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my rear seat car door lock is spoil.. passenger cannot open the door from inside but opening using the outside is ok.. how much will the repair roughly cost?

No need to save cash from your monthly disposable income for retirement anymore...woohoo govt say wan no need multiple income streams, investment etc life is so simple i got it wrong all this while... better start spending since CPF can provide me 71% of my pre retirement income even after paying for housing YOUNG Singaporeans starting work today will have enough savings in their Central Provident Fund (CPF) accounts to retire comfortably in their golden years, says a study commissioned by the Manpower ministry. They would have accumulated CPF savings that will give them a comfortable level of income in retirement - a level equal to a large part of their pre-retirement earnings, it says. Deputy Prime Minister Tharman Shanmugaratnam, giving a preview of the findings, said, however, that the CPF balances of older workers will be inadequate, although most of these individuals would have gained from the rise in the value of their homes, courtesy of government subsidies, earlier withdrawal of CPF savings and economic growth. "Our strategy is to help them monetise the values of their homes in retirement if they wish to," said Mr Tharman, who is also Finance minister. He was delivering a keynote address at the opening of the Singapore Human Capital Summit conference. The study he was referring to was done by National University of Singapore professors Chia Ngee Choon and Albert Tsui. In their study into whether the CPF system adequately meets retirement needs, the professors computed what economists call the income replacement rate (IRR), which is the ratio of retirement income to pre-retirement earnings. Using all CPF savings acccumulated by a worker up to the age of 65, including savings above the CPF Minimum Sum which the worker can withdraw at age 55, they found an IRR of 71 per cent for a median male worker who starts working today. The female median worker's IRR is 63 per cent. These IRRs factor in only the cash savings in the CPF; they exclude the benefits the worker gets from owning a home. "These IRRs are within the recommended range by the World Bank, which is between 53 per cent and 78 per cent," Mr Tharman said. "They are also comparable to those seen in pension systems in many developed countries." The equivalent IRR in the median country in the OECD, the league of rich nations, is 66 per cent of pre-retirement earnings, while the average among the OECD countries is 72 per cent. Mr Tharman pointed out that Singapore's IRR is even higher when its near-universal home ownership - under which homes are fully paid by the time workers hit retirement age - is taken into account. "By not having to pay for rent, cash is freed up for other living expenses in (the workers') old age," he said. With workers who are already older, however, he acknowledged that their CPF balances will be insufficient for three reasons: their wages were much lower in the past; they were required to set aside less in their CPF retirement account; and the fact they could use much of their CPF savings for housing. The study found the IRR to be lower for higher-middle earners because, as Mr Tharman pointed out, the CPF system is designed to meet the retirement needs of workers in the middle- and lower-income groups. High-income earners have private savings. Workers in the lower income group, in fact, have an IRR of 81 per cent of pre-retirement income. If the supplements of their wages through the Workfare programme are included, the IRR is even higher - 93 per cent. Mr Tharman said: "The results of the study are an important validation of the CPF system. The refinements we have made to it over the years have ensured that the vast majority of young Singaporeans will receive adequate payouts in retirement." He pointed out, though, that it still falls to individuals to take responsibility and save, and for employers to take the responsibility of providing good jobs, sharing productivity gains fairly and keeping older workers employed. The fifth edition of the Human Capital Summit is hosted by the Human Capital Leadership Institute, the Ministry of Manpower and the Singapore Workforce Development Agency. At the conference yesterday, Acting Manpower Minister Tan Chuan-Jin presented this year's Asian Human Capital Award to digital-security specialist Gemalto and global supply chain manager for agricultural products Olam International for their people-management practices. MTR Corporation, Tata Consultancy Services and Toyota Motor Philippines Corporation were named Special Commendation Prize Winners.

Thot id give some context. moving to slowing down so: 1. monthly spending items and in what? 2. age in 2025 3. How much? as usual I have my excel😂 and I’ll post it later but those who dun track, why don’t u?

I just brought my car in for servicing - the mechanic said my shocks need to be changed - all four for $840...is this the normal price?

Some sources aren't as healthy as you think For years we’ve been fed the line that a diet of red meat, supplements and protein shakes can have real health benefits. If only it were that simple. A recently published by researchers at the University of Eastern Finland, who tracked 2,400 middle-aged men over the course of 22 years, reported that a high-protein diet resulted in a 49% greater risk of heart failure. Many large, long-term population studies have also found that people who consume large amounts of protein, especially in the form of red and processed meat, are more likely to be obese or develop type 2 diabetes, cardiovascular disease and colon cancer. Thomas Sanders, professor of nutrition and dietetics at King’s College London, says the idea of a protein gap in our diet was first broached by a professor at MIT, Nevin Scrimshaw, in the 1960s. He claimed that the protein that comes from plant sources such as vegetables was deficient in vital amino acids and that we therefore needed to eat more animal protein. Perhaps one of the biggest problems with high-protein diets is that the excess protein typically indicates an imbalanced diet, as it comes with a deficiency in another crucial food source. “A balanced diet is one that meets all your nutrient requirements and prevents chronic disease,” Sanders says. “High-protein diets are often low in fibre, and we think colorectal cancer and obesity are linked to low intakes of fibre. There has been so much negativity about fat over the years, but you see in the big population studies that weight gain typically occurs when a big proportion of the diet comes from animal protein.” https://www.theguardian.com/lifeandstyle/2018/jun/04/are-you-eating-too-much-protein?utm_source=pocket&utm_medium=email&utm_campaign=pockethits

having a healthy debate with my wife on this.... How much did you spend on your last major house renovation?

Anyone knows roughly how much to install a retractable awning for a home open balcony? About 5m x 5m area to be covered.

I had a small accident today. My mazda 3 side mirror back cover is peeled off and broken. Anyone know how much does it cost to replace it? Also other than going back to Mazda, is there any alternative? I don't think this is covered by warranty right? Thanks

I see that there are some retired people in MCF. I am wondering how much do a person need to retire and support what sort of lifestyle? For my case, I am thinking like 1 paid freehold terrace house and 1 paid 99yr condo at maybe AMK area. 1 paid car. 200k cash. Then I will "retire" by getting a simple, stress free job that pays maybe 4k/month, enough to cover my expenses, travel twice a year. The condo can rent out and be sold when my single kid needs to go uni. When my kid get married, sell off the terrace and get 2 small place and rent one out. u you guys think it is enough to retire like that? please note I am not going to full retirement but rather getting a simpler job so I will probably still get some income.

kudos to the guards for keeping their cool

As above. my suspension seems perfectly fine now but I'm planning ahead. Not sure what's the service interval. I do occasional tracking and Road trips in Malaysia and usually corner real hard but I usally drive on pavements only. The dealer is Fong Kim, but I'm wondering if there are other alternatives. Cos they are pretty busy and I have this feeling that the price will not be too cheap correct me if i'm wrong I'm hoping the servicing costs below $400 for parts and labour and that it means that the coils are in 10/10 condition after tt. considering the set cost me below $1.3k when new. i'm willing to do it up north to save costs, if the job can be done in less than 6 hours. pardon my ignorance because i'm new to this. if it matters, my ride is a getz 1.1

Does anyone know much SAF regulars make a month? Is it true the LTCs and COLs make at least $10k +? What about fighter pilots? Junior officers?

This question was asked on a forum I frequent but I'm interest in knowing whats the opinion of Singaporean driver/car owners. I purposely posted the poll in whp because what matters is what the car can put to the ground not at the engine. My opinion is anything more than 500whp is too much and really no point. So how much power is too much for street in your opinion?

All this minor started to have Intimate relationship starting in Secondary school. This is what I saw just now while running some errands at Punggol. I do not know what school is this but this school students mostly in pairs. And they don't even care who is watching them. Hugging, fondling, kissing........... this too much for public to accept. Is it very hard for parents to educate their children nowadays? I have a son and a daughter myself.

Just curious.....hehe Mod pls remove this poll if found inappropriate, thanks

This topic was discussed before but I cant seems to find it. Any comments on hw much a new car salesman can earn? Any salesman wants to share his/her pay scale?

Want to give my ride a new car exterior look after all the scratches and knocks for the past 3-4 years. Any idea how much I am looking at? Which workshop can give good quality results? I am driving a silver Honda Civic.

Hi guys, any idea how much should a coe miata NA version cost in the market? The paper value is at best 2.5k X the number of years left but how much above to pay above that and the per year depreciation? Check out sgcarmart and most looking at at least 6k p.a. Many thanks.

Anyone knows? I am also looking at KOI and Gong Cha...wondering how much will be the franchise.

I was browsing thru sgcarmart and saw this ad on a used Hilux double cab pickup. The dep is whopping 10K/yr which is higher than big sedan like Camry and Accord. What is so special about this pickup truck that can command such a high resale? Bcos it is rare? This amount of dep can buy sport sedan like Euro R. Can this pickup run faster than a Euro R? Ridiculous pricing. http://www.sgcarmart.com/used_cars/info.ph...238&DL=2047

Cost of Youth Games goes up three-fold An extra $265 million needed to meet the cost will be borne by MCYS and Ministry of Finance SINGAPORE - The cost of organising the inaugural 2010 Youth Olympic Games has risen three-fold. With 38 days left to the opening ceremony at The Float@Marina Bay on Aug 14, it will now cost $387 million to stage the Games, up from its original estimate of $122 million during the Games' bid phase, before Singapore was named host by the International Olympic Committee in February 2008 after a keen tussle with Moscow. Despite the increase, both the Ministry of Community Development, Youth and Sports (MCYS) and the Singapore Youth Olympic Games Organising Committee (Syogoc) said there was no cause for alarm. The extra $265 million required to meet the cost of organising the Games will be borne by the MCYS and Ministry of Finance. Syogoc has also raised more than $50 million in sponsorship, but MediaCorp understands the bulk of it is in kind. Speaking at a news conference yesterday, MCYS Permanent Secretary Niam Chiang Meng said: "The original bid was an estimate. There was no precedent or template ... When we made the bid, the figures were based on specifications not fully spelt out by the International Olympic Committee or by the international federations. "It was only very recently that the sporting events had their formats spelt out ... which is why many of these things can only be finalised so late." Technology accounted for the biggest spike - $97 million (see box). Added Mr Niam: "The estimate is not fixed, although it is likely to be lower than higher." The Youth Olympic Games, which run from Aug 14 to 26, will feature 201 events across 26 sports, with some 3,600 athletes from 205 National Olympic Committees (NOCs) competing. About 20,000 volunteers will help run the Games, and about 370,000 spectators are expected to watch the two-week event. Apart from having top sporting facilities, there are other spin-offs. On the economic front, $260 million worth of tenders and contracts were awarded to local companies for the Games, and some $46 million to international companies with local subsidiaries, while conservative estimates from the Singapore Tourism Board expect tourism receipts to hit $57 million. In terms of international media value, the Games is expected to be worth $86 million - $11 million from print and online, and $75 million from broadcast, where some 1.5 billion viewers worldwide are expected to watch the Games. Already, nearly 2,000 international media networks are keen to broadcast the multi-sports events. Socially, an Olympic education programme will be introduced to 430 schools, while some 260 community-led events involving 135,000 people will be held. Said Mr Niam: "We're making history as the first hosts, but at the same time, we're also the first to have to iron out the kinks in the system

http://www.sgcarmart.com/used_cars/info.ph...604&DL=1309 http://www.sgcarmart.com/used_cars/info.ph...120&DL=1034 same model similar yr...why price difference so much? 2nd dealer more greedy???

My left low beam light bulb blown, can advise how much to change (so that i would not be robert) and where to fix it on a weekend? I'm driving a create forte by the way. Thanks.

Hello all, I thought Citibank DIVIDEND Card can get 18.3% discount petrol at Esso, but the counter casher only agreed to give 14%, and said another 5.3% subject to site promotion do you have same experience?

Even can say which cp somemore and how the process went... Taking the stand for the first time, former Central Narcotics Bureau (CNB) chief Ng Boon Gay on Monday came clean on his relationship with former IT sales executive Cecilia Sue. 15 minutes into the beginning of his testimony in the afternoon, he recounted how their affair started between end-2008 and early 2009. Accused of four counts of sex-related graft, Ng said he had a three-year extra-marital relationship with Sue during which they had oral sex 20 to 30 times in various car parks and other secluded spots across Singapore. Among these locations were the Singapore General Hospital car park, a car park in Mount Faber, East Coast Park and the Halifax car park in Novena. The first encounter occurred at East Coast Park, about two to three months after they first met at around the end of 2008. Each intimate session that followed throughout the time they were together was consensual and lasted about 30 minutes, he said.