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Is the HDB housing loan a reducing balance loan? If so, how is the monthly instalment amount calculated? I understand that if the monthly instalment is X, then X = Y+Z where Y goes toward principal and Z toward interest. Over time, X remains constant but Y and Z will change. How is X determined? How are the proportions of Y and Z determined? attached: example using CPF website calculator

Guys, how to reduce bodyroll? What to install? Went to track and when i turned, my hand also had to hold on to my handbrake to support my body as the car was rolling with the turn? Is it bodyroll? And are there legal slick tyres for the track? Driving a swift sports that belongs to a friend though.

Even our neighbour knows something got to be done. Do we?? http://www.straitstimes.com/BreakingNews/A...ory_778984.html Malaysia to tighten visa applications for visitors from China KLUANG, Johor (THE STAR/ASIA NEWS NETWORK) - Malaysia will tighten visa applications for visitors from China to ensure they are not involved in any criminal activities, especially prostitution. Home Minister Datuk Seri Hishammuddin Hussein said that other than using the biometric system, the Government was looking at other ways to differentiate criminals from real tourists. 'Due to cheap air fares, almost anyone including criminals such as drug mules, human traffickers and even terrorists can travel freely from one country to another. 'Prostitution does not only happen in Malaysia but is a global problem which needs to be addressed,' he told reporters after a meet-the-people session at Felda Ulu Belitong here on Saturday. Mr Hishammuddin said he had recently met with his counterpart from China to discuss the issue as many Chinese nationals misused their visas to work as prostitutes. 'One of the ways to solve this problem is by tightening visa applications,' he said, adding that he would make an announcement on the matter soon. In another development, Mr Hishammuddin said those who had proof that the Opposition received financial aid from Jewish groups should come forward instead of making wild allegations. He said the ministry would investigate the matter. Penang Umno deputy chairman Datuk Musa Sheikh Fadzir urged the Home Ministry to take action against the Opposition which he alleged received financial aid from NGOs that were supported by Jewish groups. Meanwhile, Mr Hishammuddin said the people needed to change their perception that Malaysia was a crime haven. He said Netizens and bloggers had questioned how Malaysia was ranked 19th out of 153 countries worldwide in terms of security and named one of the safest countries in the South-East Asian region. 'Crime cases such as murder and rape are isolated and many are solved by the police. After the introduction of the National Key Result Areas, the crime rate has dropped,' he said.

Anyone has experiences or knows where to get this kind of lens? New view to reducing myopia with special lens SINGAPORE: Ten-year-old Sherwyn started wearing spectacles to correct his myopia just two years ago, but what alarmed his mother Michelle Cheong was the worsening of his myopia by about a hundred degrees a year. To help children like Sherwyn fight short-sightedness, new lenses that have been clinically proven to slow down myopia progression in children by up to 30 per cent were developed by optical products developer and manufacturer Carl Zeiss Vision. The new lenses, called MyoVision, make use of Peripheral Vision Management Technology, which corrects the image on the central part of the retina as well as on the periphery, by curving it so that it stays entirely on the retina. This is different from the normal method used in optometry to correct myopia, which is to adjust the distance of images through the use of lenses. Short-sightedness, also known as myopia, is more common in Asian countries - with over 50 per cent of 11- to 13-year-olds developing the condition in urban populations. Compared to the rest of the world, Singapore has one of the highest prevalence of myopia, with about 30 per cent of children with the condition when entering school at age six, growing to 80 per cent of the population by the time they are 18 years old. Asians also have a higher hereditary rate as compared to Western counterparts, with 60-per-cent of them being more likely to develop myopia if both parents have the condition which makes objects appear blurred at a distance. Compounding the common eye problem in Asia is the fact that there is no way to completely stop or cure myopia progression due to continuing eye elongation. But now, the team behind MyoVision said they have made a breakthrough. The new lenses look and feel like what have been used so far by optometrists. The only difference is that while vision through the lenses is sharp when a user looks straight ahead, vision at the sides is blurred. The lenses also do not not provide as wide a spectrum of clear sight as normal spectacles. Still, children who tested out the lenses said they only needed a few days to get used to their new lenses, especially when used during sports or playing instruments. "At first (Sherwyn) had a bit of trouble playing the piano, as he couldn't see keys further away using the side of his eyes and he had to turn his head a lot more," said his mother, Michelle. "But after a day or two, when he got used to it, he could play the piano perfectly." A three-year study of 700 children in Australia and China who used the lenses found the myopia progression slowing down by some 30 per cent. "What we find in the study is that the lenses are controlling both the length of the eye and the prescription," said Professor Brien Holden, chief executive officer of Vision Cooperative Research Centre. "So the evidence is that if they stop wearing the lenses, the eye will not rebound - it will stay the way it is, but it'll stop having the effect of the reduction." Singapore is the third country in which the product is being made available to the public, after China and South Korea. "The idea that we can control the growth of the eye to limit the progress of myopia... is a breakthrough in vision correction for billions of people around the world," said Prof Holden. Currently, the MyoVision lenses only work on children and not adults whose eyes and vision have settled in. The other setback is the price tag. The lenses cost S$360 a pair, which is about three times more than normal lenses. But Michelle said: "I

Does it mean 2nd hand prices will have chance to recover from the current parf + few K body?

KUALA LUMPUR: Petrol prices will be reduced by a further 10sen to 20sen from Wednesday. RON 97 petrol is reduced by 15sen to RM2.30; RON 92 petrol is reduced by 10sen to RM2.20; and diesel is reduced by 20sen to RM2.20. A post on the Prime Minister's Office website (wwww.pmo.gov.my) said the decision was made following the marked drop in the global oil price of late. "The lowering of the fuel prices is also made to speed up the reduction of retail prices so that the people will be able to enjoy the benefits sooner," the post added. The statement was signed by Prime Minister Datuk Seri Abdullah Ahmad Badawi. The previous two reductions were on Aug 23 and Sept 24.

1. Some cars come with the heat insulation board behind the hood. it helps to protect paint work on the hood. Is this a neccessity? 2. Some also mentioned that it helps to reduce engine noise. Is this true? 3. What is roughly the market price to install one? Please advise. Thank you. Regards,