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Hi bro and sis, I have found a supplier to bring in the eibach pro kit springs for kia forte which they require at least 5 person(cfm order) to bring in the shipment. price with installation :sgd 450 pls pm me for more detail or u can check on wedsite :eibach.com.sg

Heard from some SE car loan interest rate up on 1 March 2010. (2.68%)

Greetings guys. Just wanna check how many of you are interested in the SoundRacer V8/V10 ? It would be good if able to get 20 piece or more. The more, the lower the price. I will be going to Perth tomorrow for 3 days, however, the company im getting the stuff from said that stock will only be coming in a week later... Meaning i have to wait for my next Perth trip that's coming soon. Estimated cost is S$70.

Hi, All this is a carforum, we share our encounters - good or bad. especially it comes to a workshop that does not work for customer interests hopefully this thread will reveal the truth and urgliness . . . pls contribute if you had these experiences.... I spent 2 nights reasoning with my fren to help him to minimize his loses - here it goes: my fren met an accident last month. while he was hospitalised (a few days), his wife helped to settle the car by assigning a workshop they thought was good (as recommended) for 3rd party claim. inevitably, my fren had to approved & authorised workshop to go ahead - repair work & necessary claims. of cos, the other party deny all faults & offer 50-50% (this is norm). but my fren has photos to proof & also traffic summon was also issued to the other party, thus its at least a 80-20% assumptions. under most circumtances of this case, workshop whom act on interest of customer will - try to repair fast (minimal loss of use) or within surveyors' designated duration - engage lawyer to expedite the claims if they know whos right/wrong or confidence however, my fren's workshop din even pressure the other party insurance - & took a month to repair my fren's car (only bodyworks). during the repair, the workshop actually promised and agreed upfront that the repair will include the rims and bodykits, but sit on it until when my fren start chasing. Then my fren was requested to get the rims & BK himself and be reimbursed when claim is successful. So no choice, my fren obliged so as to expedite the work. now, finally car collection (a month later), the workshop insisted that the rims & BK were not his scope of works. workshop even blamed my fren's for delaying the repairs. worse, workshop : - insisted that my fren should only get back stock parts only (rims etc.) - only replaced with 2nd hand tires to my fren - invoiced my fren for the BK works workshop told my fren that he has 2 paths: A - either take it as it is (pay up 1st) & continue approval for workshop with the insurance claims (not settled yet) B - pay up all repair works and do the insurance claims himself ................................................................................ ................................ after much consideration, I told my fren to take option A as not to avoid further loses (eg. further loss of use). those whom faced similar situations will definitely agreed with me. there are a lot of calculations & reasons to this option!!! now, I'm thinking of how to help my fren to get back the workshop when the insurance claims is concluded - suggestions??? I'm only worried the workshop will duress my fren to accept 80-20% offer when he has the chance to fight for 100-0%. your thoughts???

Dear all, What is the lowest interest rate you know of now for a)new car b)used car ?? Say for a typical 7 year loan, with no cash rebates whatsoever.

avrage fixed rate of 2.245% for nxt 2 yrs- no risk or floating rate of 1.68% for 2 yrs- slightly riskier if board rate goes up pls advice which one is better as both ve a lock in peroid of 2 yrs

Hi all, anyone knows the current new car interest rates? Seems like supposed to have dropped to 2.22%, but is it across all makes?

Interest-only loans: the pros and cons They make sense to short-term investors and individuals who are high income earners and in high tax brackets. Ben Fok CONSUMERS are constantly bombarded with offers of loans, overdrafts, credit cards and instalment plans that promise instant gratification. We cannot avoid debt entirely, especially when it comes to acquiring the big ticket items, and not all debt is bad. But those who borrow must be prudent and know that they can make the repayments. Even high net worth individuals (HNWI) go to financial institutions for loans, which might seem strange since they are presumably cash-rich. But there are situations where it is worthwhile for the HNWI to borrow instead of paying with their own cash. Some financial institutions offer interest-only loans targeted at the HNWIs. With such loans, you only repay the interest, not the principal, so the loan balance remains unchanged. Most interest-only loans offered by financial institutions are associated with the purchase of property. Interest-only loans make sense to individuals who are high income earners and in high tax brackets. The benefit comes from being able to save on tax on rental income. That's because the interest portion of loan instalments for rental properties is tax deductible. This package also works well for short-term investors. By repaying only the interest, investors fork out less cash each month, until they sell the property. As a result, they may be able to invest in two properties instead of one. But interest-only loans are not for the long term, because at the end of the loan period, the payment is raised to the fully amortising level. If you're still in your home at the end of the interest-only period, you'll have to start paying off the principal. The payments will be considerably larger because they'll be amortised over a shorter period. For example, if your interest-only option lasts for five years and you have a 30-year loan, your principal payments will be calculated on a 25-year term. Drawbacks of interest-only mortgages: - You could experience payment shock. As mentioned earlier, your monthly payment will go up - sometimes by 30 per cent or more - when you start paying off the principal. And if the end of your interest-only period coincides with an upward adjustment in your mortgage rate, you could face an even sharper hike in monthly payments. - You're more vulnerable if your home value declines. Many borrowers with interest-only loans assume home price appreciation will help them build equity in their homes. In recent years, that's been a good bet. But rising interest rates could deflate real estate values in some high-cost areas. It's best to get a reputable financial institution to run the numbers for you and spell out the worst-case scenarios. Equity provides a cushion against falling home values. Without it, you could find yourself owing more on your mortgage than your home is worth. If you sell, the proceeds won't cover your loan balance, which means you'll have to come up with money from another source. One way to avoid this problem is to make a good-sized downpayment on your mortgage. Advantages of interest-only mortgages: - You have more flexibility. Some interest-only borrowers can afford a larger mortgage payment but their priority is to beef up their retirement nestegg or build up their emergency funds. Once they've accomplished those goals, they often decide to increase their mortgage payments. Increasing your monthly payments will build equity and lessen payment shock when you're required to start paying off the principal. If you're interested in this option, make sure your loan doesn't contain pre-payment penalties. Interest-only mortgages are complicated, so make sure you understand the pitfalls before you sign anything. And don't rely on the financial institutions to figure out how much you can afford to borrow. A lender may not take into account all of your future expenses, such as child's university fees or support of an elderly parent. What worries me is Singaporeans taking two or more mortgages in a rising market. As property prices rise, the dollar amount also rises in line with higher selling prices. Affordability becomes an issue. You're in the best position to know what your financial obligations are, so get a mortgage you can afford. How much should one borrow? There are two ratios that financial advisers commonly use: - Debt to asset ratio which is total debt/total assets. This ratio should be 50 per cent or less; - Debt servicing ratio which is total monthly loan repayment/monthly take-home pay. This ratio should be 35 per cent or less. After all, wealth equals assets less debt. It is built up over the years by accumulating assets and paying down debt, especially mortgage debt. When you pay down the balance of your mortgage, you are increasing your wealth by reducing debt. But an interest-only mortgage does not increase wealth in that way. Of course, you may be increasing your wealth by accumulating assets instead. If that's your plan and you have determined that it is more effective in building wealth during the interest-only period than paying down mortgage debt, fine. But paying down mortgage debt is the most effective way to build wealth, especially in today's financial environment. Four dangers related to borrowing too much: - It can become a habit; - It takes away money from other important needs; - Your credit rating will be damaged if you don't pay the bills; - It can lead to high interest payments that are harder to make. Three situations where it's better to avoid borrowing: - Paying your everyday expenses; - Covering optional spending; - Borrowing when you know you can't afford the payments It's not a good idea to borrow a lot thinking that you will just pay the minimum back each month. It may take a long time to get out of debt and you'll end up paying a lot of interest. Also, if you have one late payment, your credit rating may suffer and you'll be charged penalties. At the end of the day, paying down a loan is the best option, because once it's paid it remains paid. Ben Fok is CEO, Grandtag Financial Consultancy (Singapore) Pte Lt. He can be reached at [email protected]

Hi guys, any good recommendations?

Dear Sir/Ma, I am Mr. Salim Kumar, Indian / English citizen and Principal assurance manager in one of the reputable banks in Europe. Mr. Nasser Hani a staff of Saudi Kayan Petrochemical Company got in touch with me on an investment which was placed under our banks management some years ago.I would respectfully request that you keep the contents of this mail confidential and respect the integrity of the information you come by as a result of this mail. I contact you independently of our investigation and no one is informed of this communication. I would like to intimate you with certain facts that I believe would be of interest to you. In 2005, the subject matter; Mr. Nasser Hani came to our bank to engage in business discussions with our private banking division. He informed us that he had a financial portfolio of $18, 000, 000, 00 (Eighteen million United States dollars), which he wished to have us turn over (invest) on his behalf. I was the officer assigned to his case; I made numerous suggestions in line with my duties as the de-facto chief operations officer, especially given the volume of funds he wished to put into our bank. We met on numerous occasions prior to any investments being placed. He later asked the business to be closed that he wants to move the funds to another country for investment. The funds was moved to a private finance company who were specialist bank that accepts deposits from high net worth individuals and blue chip corporations that handle valuable products or undertake transactions that need immediate access to cash. Mr. Nasser Hani told me he wanted the money there as soon as he got into the country. This was the last communication we had; this transpired last 2005, we later got a call from the finance Company informing us about the inactivity of that particular portfolio. This was an astounding position as far as I was concerned, given the fact that I managed the International private banking sector I was the only one who knew about the deposit, and I could not understand why Mr. Nasser Hani had not come forward to claim his deposit. The disappearance of Mr. Nasser Hani which was later confirmed that he was killed in one of the bomb attacks in Iraq. This bank has spent great amounts of money trying to track this man's family; they have investigated for months and have found no family. The investigation has come to an end. My proposal is I want to introduce you to the bank as the next of kin in a position to instruct the Finance company to release the deposit to you as the closest surviving relation. Upon receipt of the deposit, I am prepared to share the money with you. That is: I will simply nominate you as the next of kin and have them release the deposit to you.45% of the total fund will be given to you for your position as the next of kin. 5% for expenses, 10% for the less privileged and I will keep the 40% for my retirement. I would have gone ahead to ask the funds be released to me but that would have drawn a straight line in my involvement in claiming the deposit. I assure you that I could have the deposit released to you within a few days. I will simply inform the bank of the final closing of the file relating to Mr. Nasser Hani. I will then officially communicate with the Finance company and instruct them to release the deposit to you which they will gladly do. I am aware of the consequences of this proposal. So I ask that if you find no interest in this project that you should discard this mail. I ask that you do not be vindictive and destructive. If my offer is of no appeal to you, delete this message and forget I ever contacted you. Do not destroy my career because you do not approve of my proposal. You may not know this but people like me who have made tidy sums out of comparable situations run the whole private banking sector. I am not a criminal and what I do, I do not find against good conscience, this may be hard for you to understand, but the dynamics of my industry dictates that I make this move. Such opportunities only come ones way once in a lifetime. I cannot let this chance pass me by, for once I find myself in total control of my destiny. These chances won't pass me by. I ask that you do not destroy my chance, if you will not work with me let me know and let me move on with my life but do not destroy me. I am a family man and this is an opportunity to provide them with new opportunities. There is a reward for this project and it is a task well worth undertaking. I have evaluated the risks and the only risk I have here is from you refusing to work with me and alerting my bank. I am the only one who knows of this situation, good fortune has blessed you with a name that has planted you into the center of relevance in my life. Let's share the blessing. If you give me positive signals, I will initiate this process towards a conclusion. I wish to inform you that should you contact me via official channels; I will deny knowing you concerning this project. I repeat, I do not want you contacting me through my official phone lines nor do I want you contacting me through my official email account. Contact me only through the numbers I will provide for you and also through this email address: [email protected] I do not want any direct link between you and me. My official lines are not secure lines as they are periodically monitored to assess our level of customer care in line with our Total Quality Management Policy. Please observe this instruction religiously. Please, again, note I am a family man, I have a wife and children. I send you this mail not without a measure of fear as to what the consequences, but I know within me that nothing ventured is nothing gained and that success and riches never come easy or on a platter of gold. I will send you a copy of my identity card after I have your full concent. This is the one truth I have learnt from my private banking clients. Do not betray my confidence. If we can be of one accord, I await your response. Best Regards Salim Kumar.

Lets say that its not possible for me to pay full for a veh now. Is it still worthwhile to get a vehicle now when the interest rates are sky high and 100% loans are a thing of the past. any comments? Heard lowest for a PI car now is 2.98% and others will range from at least 3.15% onwards.

What rate is the bank charging now? which bank is the lowest?

heard TCM provide 1.99% quite attractive, anyone know other ADs loan interest??

a friend of mine might be letting go his ep80.. here are a list of items on his car: 1. ep82 front disc & rear brakes 2. front and rear strut bars(unknown brand) 3. front ARB(unknown brand) 4. rear ultra racing ARB 5. ultra racing room bar 6. ep82 quadlights 7. ep82 front and rear doors wif power windows 8. electric mirrors 9. gearbox similiar to 2E-E(100km/h @ 2.8k rpm) 10. weber carb 11. aftermarket 4-2-1 extractor 12. hotbits semi-flow exhaust 13. power steering 14. 1 x TOMS steering wheel(rare!) 15. a sweet engine wif nice TORQUE and new pistons(used less then 5000km) 16. 4 x OZ superleggeras 17. full ep82 bodykits my friend hopes to sell all the items together wif the car to someone who can appreciate it..do pm ur offers...loan can be arranged!

Interest in CNG cars dissipating By Christopher Tan AFTER a brief lift-off, the interest in compressed natural gas (CNG) cars seems to be dissipating. Registration of new CNG cars fell considerably in the third quarter, going by estimates based on data released by the Land Transport Authority (LTA). The high of 419 cars in July dipped to 320 in August and 283 last month. Sales had been climbing steadily from January, propelled by a 40-percentage-point cut in additional registration fee (ARF). Lofty petrol prices also helped. But petrol prices have since fallen far more than CNG prices. Along with questions of dependability and an impending tax, the gloss on these cars is fading. Petrol rates have fallen 17 per cent from the year's highs, and CNG prices, by just 5 per cent, narrowing considerably the gap between the cost of the two fuels. CNG now goes at $1.64 per kg and 92-octane petrol, at $1.863 a litre. The difference is 22 cents, down from as much as 80 cents nine months ago. But since a kilogram of gas is equivalent to about 1.3 litres of petrol, users still save on running costs. Senior executive Stephen Neo, 44, who drives a gas-propelled Toyota Isis, said he saves 'about $200 a month even at today's petrol prices'. His only gripe: the long queues at the two CNG stations here. The wait at the Mandai one is 10 to 15 minutes, and he has waited an hour at Jalan Buroh. CNG retailer Smart Energy expects gas prices to fall further in the coming months. Its managing director Johnny Harjantho reckons this will happen when Jurong Island's liquefied natural gas terminal starts up in 2012 and brings in gas from the world over. Singapore's supply of gas is now piped from Indonesia and Malaysia. Mr Harjantho also disclosed that piling has started for a new gas refuelling station in Serangoon North, which could open in January. Another refuelling station is also expected to come up in Old Toh Tuck Road. Union Energy, a supplier of bottled cooking gas that operates taxi service Trans-Cab, has just secured a plot of land to build the sizeable station, expected to open in April. New stations mean shorter queues, but other concerns - a possible reliability issue and a special tax exemption to expire at the end of next year - are putting the brakes on CNG car sales. Semi-retired Mr W.M. Yap, 60, revealed that his CNG Chevrolet Optra has stalled thrice, but said he has 'accepted it'. But he finds it hard to accept the looming additional tax on CNG cars, which he said would make them 'no longer commercially viable'. Asked about the 40-point reduction in ARF that CNG car buyers enjoy, he said: 'I'm not sure if the lower ARF is a saving. Don't forget that you get back less when you scrap the car.' Mr Neo Nam Heng, the managing director of Prime Taxis, said the uncertainty over the special tax has dampened the popularity of CNG taxis. The number of new CNG cabs has fallen month on month since July, say LTA figures. Meanwhile, diesel passenger cars have appeared on the scene. There are now 10 such cars on the road, mainly Volkswagens, following a reduction on the special tax on them from July

Hi ANyone can recommend a 1 year car loan for used car with the lowest interest rate? Thanks

check it out: http://www.mycarforum.com/classifieds/clas...eds.pl?id=12709

Manulife having the above promotion. You just need to invest in their investment linked plans ...

Recently visited Kah Motor, i was informed that car loan interest rate was 2.38% p.a. and may increase to 2.68% p.a. Under 2.38%pa scheme, the condition of interest rate may be adjusted (not fixed). Every fool knows current situation like now would not permit any interest rate to move up at all. Any problem face such incident? If this is true, car price may take a tumble.

Hey guys, Not sure if you're aware of the mega MCF photoshoot coming up this Jun 21st. I was hoping if we could have our own mini Skoda meetup as well and also get to meet some of the folks in MCF. More details here. http://www.mycarforum.com/forum/MCF_photo_...397591/#2397591

Have a set of Quad light wanna let go. Anyone interested PM me.

With petrol prices and taxi fares going through the roof, sharing rides is becoming more popular here. Recently, at least five online websites have sprung up on carpooling last common in the 1970s MOTORISTS and commuters are going retro, beating the soaring petrol prices and cab fares with carpooling. By sharing rides, they hearken back to a scheme last common in the 1970s, when cars entering the Central Business District were not charged a levy if they carried four people. At least five online carpooling websites have sprung up in the past few months. Through these websites, students and workers who travel long distances every day are forming their own carpool groups. Groups usually link up through word of mouth or at online forums. They decide on times, pick-up and drop-off points and the cost of sharing rides. Car owners who used to travel solo say it is one way to defray the increasing cost of maintaining a car. 'It's a smart way to earn some money and you don't have to go out of the way,' said undergraduate Joyce Liu, who formed a carpool with two National Institute of Education (NIE) classmates three months ago. Ms Liu, 19, collects $3 per trip from her classmates. She picks them up from the Tanah Merah and Toa Payoh MRT stations while on the way from her Bedok home to her Boon Lay campus. That money takes care of half her monthly petrol bill of $200 that she chalks up with her 1,300cc Honda Fit. For human resource executive Claudia Ng, 28, her savings come from cutting back on her taxi rides. She used to pay about $13 daily for her cab ride from Pasir Ris to her workplace in Suntec City. Now, she pays $6.50 a day for her carpool rides. Both car owners and passengers say it's a win-win situation. With each trip costing between $2 and $8, commuters say it's a steal for a ride that could go from one end of Singapore to another. Online carpooling sites have also seen numbers increase noticeably. New Zealand-based CarpoolK ing.com, which began life last May, now has more than 100 Singapore users forming about 20 per cent of its user base worldwide, said founder Brian Hsu. Mr Vincent Tan, webmaster of singaporecarsforum.com, which offers carpool listings, said his website's average number of page views has jumped from 2,500 to 3,000 in the past three months. 'It used to be one ad every four or five days but now, there are at least two new postings daily,' he noted. Since April last year, at least 23 Singapore users have also added Carpool, an application which allows users to offer or request for carpool rides, to their accounts on popular social networking website Facebook. While cost cutting is one big reason behind the carpool wave, some, like trainee teacher Jonathan Teo, 27, are in a carpool for the comfort. He pays $3 a day for a ride, which he shares with three others, from Serangoon to Boon Lay. 'I don't want to squeeze on the bus and train. In the carpool, I'm assured of a seat. It saves time too.' For Mr Francois Bretault, 39, a part-time French lecturer, filling the space in his Peugeot 206 just makes plain sense: 'It's a bit ridiculous to have only one person in the car, but in Singapore, you seldom see more than one person in a car.' He now offers free rides on Facebook to do his bit to save the environment. For some, it's a good way to make friends or have company on their longer rides. Undergraduate Shawn Ang, 22, who drives his classmate to school every morning for $1, says: 'It's boring sitting alone in a jam.' Mr Justin Chong, 29, a visual merchandiser, was even invited to his passenger's wedding in March last year after having driven her to work for five months. 'The first trip was awkward but we got to know each other better with each trip and soon, we became friends,' said Mr Chong. While there are generally no carpooling rules, those interviewed say that little things make the journey more pleasant. The golden rule: Be on time. A few minutes wasted at each pick-up point can cause others to be late for school or work. For many, smoking during the journey is a strict no-no. Some male drivers specify that they want only female passengers. Undergraduate Vincent Low, 21, explained: 'When guys become friends, they end up not paying!' Some drivers, like computer engineer Thufara Dharmapala, 40, make it clear to their passengers that only English songs will be played during the journey. Then there are those who believe that one should not take safety for granted. When purchasing officer Linda Chan, 41, began carpooling to her workplace at Kaki Bukit, she passed the contact details of the driver to her colleague and asked her to call the police if she didn't show up on time. She even got her boyfriend to watch her from around the corner while she got in. But, for some, compromising on privacy and personal space is just not an option. Bank officer Daniel Ho, 42, who drives a Honda Civic, said: 'I drive for my convenience and flexibility. By carpooling, I'm obliged to answer to the other party.'

Hey guys, Not sure if you're aware of the mega MCF photoshoot coming up this Jun 21st. I was hoping if we could have our own mini Skoda meetup as well and also get to meet some of the folks in MCF. More details here. http://www.mycarforum.com/forum/MCF_photo_...397591/#2397591

Hi guys, yesterday I went to Bedok with my parent, as there were road show by some PI car dealer, was quoted that the Honda Fit 08 can clock 20km/l Then later on, the SA told my dad that he advise us to take on 3.5% instead of 2.5% reason being, if we get the 3.5%, there will be a rebate while 2.5% no rebate. If we calculated with rebate, the 3.5% would be cheaper. Is that true ? If yes, what's the pros and cons for getting 3.5% than a 2.5% ? Thanks

Full GT Brake System inclusive of master brake pump, rear disc brakes and front disc brake system. GT Bodykit Square lamp type only frontal come with Square lamps, Grill, GT Bonnet and Bumper.