chronograph

Every buy/sell there is always risk involved. U need to be prepared for all kinds of unforesee situation that result to fail deal. Take for example, if u buy already, but selling failed then u need to see if u can finance two property at the same time. Can always write to HDB to extend you selling so long u can prove that u r marketing your unit. So no need to lelong your flat. That was what happened to my elder brother, financing 2 hdb units for 5 months before selling the old one.

Where got such thing charge interest? I think it is illegal, u will have to play by the rules set by HDB if u buy HDB resales. Like i mentioned in earlier post, Buyer need to get HLE or LO(bank) before committing. On seller part, you can request to see if they have all the papers. I think for my case, my seller sold at a lost to me that's why i don't pay any cash during first appointment.

Yes, i second that. Need to time your buy and sell closely. Like for my case, I took up bridging loan, buy/sell completed on the same day. The BL was about 60% of my valuation and i paid $900 interest just for 10 days.

Just sharing my experience, on 1st appointment, no cash transaction yet. Just signning of some document, exactly what i don't remember. 2nd appointment, seller will have 770k - 250k - 100k - 5k = 415k cashier's order. 100k will goes back to seller CPF in 14 days. As for buyer, 1) Bank will pay 536k to HDB, 80% loan. 2) Buyer will need to pay in cash COV 95k(- 5k for OTP) + 33.5k(5% of 670k, since it is bank loan), total = 128.5k 3) The balance of 100.5k will be deducted from buyer's CPF OA. If not enough will have to make up with cash. 4) Buyer also need to prepare stamp fee in cash up front first before reimburse through CPF OA. Buyer if taking HDB loan should apply for HLE first before OTP. If bank loan, buyer needs to obtain bank letter of offer before OTP submission to HDB. The actual cash mandatory part is 128.5k and 5k OTP or more if 3) is true. Buyer can always apply to HDB to cancel the deal but the OTP is legal binding and seller has the rights to claim losses from buyer. Next, seller need not to payback 5k OTP to buyer cos buyer is at fault. Hope the above help.

I was told Samsung is using edge LED whereas Philips is using back LED(full panel).

If the floor tiles have been there for more than 10 years then i will rather hack away and lay everything new.

Have your paid full? If not, get them to do it till u r satisfied. I got a feeling your contractor will disappear once balance fully paid.

If your TV is wall mount, get plastic trunking to contain your TV wire/cable. Plastic trunking has to be mount on the wall as well. Then paint the trunking same color as your wall.

but dun forget, your sampling size is way too small. Based on what release from the news on BTO, the number of application to one unit far exceeded expectation, the new flat is still highly in demand. Unless the news is not true or some information is intentionally hide away. Besides, PRs need to accompany by a Singaporean applicant to be eligible for new flat. Otherwise they have to go resales which is even worst. MBT said cannot satisfied everyone, which i agreed. Like your example, west facing don't want, low floor don;t want, that's the reason why GOV came out with BTO, only when application hits a certain % then will they go ahead to build. In that way GOV will not repeat the same mistake. (I also have colleagues staying in low floor, just individual preferences.) I also want to complaint, everything go up and up very fast but salary always stay put or climb like snail.

Don't think HDB will make the same mistake of oversupply like 2005. Gov target is to have 6.5 mils population, at the current HDB supply rate, it is still not enough to feed the demand.

It the same everywhere, eg like booking for movie tickets.

Login on to CPF then: 1) Left column select "My Requests" 2) select "Other CPF Matters" and click on "Proceed" button 3) select "Submit My e-Concierge request" and click on proceed 4) enter your request and submit That's all.

Now got a e-concierge service, no need download form or whatever. U can sit in toilet longer.

To compare u need to ask for breakdown of the cost, how much $/ft, $/sft?

Don't like that leh, if MBT reading this we will be fried again.

Jackpot.

Ok, job well done, u have done your home work. Like u said HDB will accept 2nd valuation as long it is produced before first appt. But the fact is that seller is not allowing 2nd valuation and it is his rights, no? Many pointed out, what is there for the seller? 2nd valuation price up, u happy, seller lugi? And if u r not concern with "no revaluation", so why am all of us writing here, waste of BW. Pay money, talk to your lawyer.

Valuation report is only valid for 3 months from date of issue. You can ask for 2nd valuation if your first one is expiring soon before submission to HDB. Then u can take which ever is higher to reduce your COV part. Of course seller must be kind, understanding and reasonable, seller need to know that it will not change anything, the selling price is fixed at OTP. Otherwise it can turned ugly. Some seller might create problem if they knew 2nd valuation is much higher. Anyway seller doesn't gain from 2nd valuation.

You have already submitted OTP, current valuation report and obtained 1st appointment. So why make it so complicated? Asking for another valuation will mean cancel this appointment and resubmit your OTP and new valuation. If u cancel, it will mean re-negotiating a new deal, if i'm the seller i will ask for more. Its poor planning at your part, you should have called for a revaluation before submitting to HDB. Which means you have 2 valid valuation reports to choose from and of course subject to seller cooperation for 2nd valuation.

Which one trip? MCB or ELCB?

Talk to your buyer, ask for grace extension stay otherwise pay market rental.

Yes, I must admit that bro vic is a hts guru. He has provided alot of info on plasma, lcd and led which make my selection easy. If i want to go for picture quality, plasma is the one, power saving lcd or led. It is clear from the chart plasma consume more power. The point here is cannot compromise image and power. Some members might felt that his language used can be offensive at times but he has apologised and the matter should rest. However, many lady members might be offended by this: "(hope youre not a lady coz lady & electronics dont mix very well)" I'm must stressed again my mix, I'm a man but still a dummy with electronic stuffs, otherwise i would not have such a headache and asking so many questions.

Bro thanks for the chart, the chart tells eveything. On average the cost of plasma tv is about one time more than LCD, samsung 46" LCD on average $30 plus whereas samsung 46" plasma $70 plus. About $3 ~ $4 more a month. Btw, i'm not good with electronic stuffs and i'm a man, they can still mix. If u read my earlier post, my main concern is power consumption, with Power tariff increasing every now and then, buying engery saving electrical/eletroinc applicances can help save quite a bit each month. With your inputs, plasma is an option for me in my hunt for TV.

I have checked out panasonic website, from the specification shown, the power consumption between plasma and lcd seems huge. They only have at max 42" LCD for comparison. 42" LCD power consumption = 140w 42" Plasma power consumption = 230w That's quite a difference of 90w, almost 64% up. Asumming the power consumption is per hour usage, for 6 hours daily, i would have chalked up 90 x 6 = 540w additional usage. Per month = 16.2kw, about $4 +/- per month. Thinking thinking thinking.........

Thanks again. Will do as advice.