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  1. So we have checklists for buying a new car, and why not one for a new home? I've consolidated what I have previously written here, so everyone can benefit and also contribute and some of the info comes from other bros. Before we even go into the list, there are some basic things to do: - make sure everyone in the family agrees to this purchase, and whether it's for investment or as a home - check your financials well and get a large enough budget to buy and for renovations or other costs - do your homework! Check the online property forums, buy and sell places and see what your money can buy and which regions suit your needs best So, now onto the buying process Is it going to be landed, a flat or a condo? Some of the general principles which apply to all three types: Is the home paid for or is the seller still in debt and not bankrupt How many owners are there, and any divorce in process. Who is the legal owner or executer of the property if the owner is deceased? Is it tenanted and when does the lease run out Can you break the lease How old is the place. As a general rule, most places under 10 years can do without major renovations and you can use the piping, aircons and wiring. Most places above 20 years old will need more extension renovations - freehold, 999 years or Leasehold (how many years left) - location - is it within 1km to a primary school and how many places are there - sun direction - North South is the ideal - developer matters too - some are cheap and use poor quality materials - neighbours - good ones to whom you can entrust your keys, psycho ones, and nosy ones - visit the location at different times - if you go over a weekend it's usually quiet and the traffic is light, so see at at peak hours and see if there's any choke points and if the streets around it become very noisy or is there a school or some place that attracts a lot of noise - amenities eg market, food places, 24 grocery, petrol station, postbox - near work - near a clinic or GP - MRT, bus or good roads etc to work, school etc - wind : how well ventilated it the place - how high is the place - the interior of the place, can you salvage the parquet floor for example - TV reception - is there a fibre / home line (will cost $288 to run a new fibre line for example) - where is the mains and the PUB meter located - do you have the plans for the electricals Items specific to an apartment: - the shape of the unit, any odd unusable corners, how square is it - how many units are there? Is it going to be too crowded over the weekends to swim? - what are the amenities? Sometimes too many water features, landscaping or pools will mean higher costs to maintain - pools: regular shape? Good for swimming laps or merely for wading? Any lifeguards? - maintenance fees - sinking funds - more units will mean more people to share costs. Small developments will need larger contributions to fix items like lifts, repainting costs etc - number of lifts, is it private - ratio of parking lots to units and the number of visitor lots - number of entry and exits, side gates - how much power is there? As a rule, you need a minimum of 45A and up - any provision shops? - who runs the place? which security company do they employ? - get a copy of the house rules - eg no moving in hours and are there a lot of AirBnB listings? Items specific to houses: - plot ratio and GFA - zoning and potential developments of the area - who was the designer or builder and are they still around - cul de sac - land size, is it square or narrow, can you expand the built up area? (remember to account for set back if you do more than A&A) - soil analysis - is it reclaimed land - fengshui : water, wind and mountains etc - at a junction - noise level in the neighbourhood - any new developments - renovations or reconstruction can continue for years around the place - is there going to be enbloc or a new road running through the area - if the homes near you are going to be replaced by flats, the roads can be much busier - parking - flooding / ponding - any religious building around you or a popular eatery that attracts a lot of visitors eg illegal parking during peak periods and noise levels - any piped in gas... so you don't need to use gas tanks - any retaining wall, and is it near a 24 hour gas station - noise and fumes - is the place close to electrical plant or substation - how much power is there? Single Phase or Triple Phase (most modern terrace houses will have a triple phase 63A main DB, which can support the needs of most homes, even those with a swimming pool) Don’t forget to check for termites and mossies. How windy and well ventilated the place is. How wide is your lane and even the type of roof and tiles used. Bring a builder along to give you an idea of renovation costs.. But before you even look around, do the financials first. Make sure you have a loan approved in principle and also enough cash for the renovations with a 20 percent buffer. Then bring the check book for every viewing. A basic renovation for a landed place can go from 2-300k, and for a A&A you might be looking at twice that. Adding a new roof 50k, and a new floor around 150k. A tear down? It can be 600k and up and these costs don't include furniture or fittings. Time is the other factor you have to budget in. Add 20% to any schedule, especially if you are doing it around Chinese New Year or Christmas. Be detailed in your planning, for example: If you are doing a rebuild, make sure you work with your builder and neighbours. A small road - like the Countryside one, yes that 'wide' road, may not be able to take a full truck or a cement mixer coming in. And with such a long road, you need to coordinate with the entire road of owners, so they clear the road such that the truck can come in. Trust me, it's not a given nor an easy task. If a car gets scratched... be prepared for an ugly scene. So also check that your contractor is registered and has insurance. One of your neighbours might own a limited Maclaren that your builder just happens to nick whilst transporting your tiles into your plot... Are there any other persons building in the same area, maybe you two can work together and save cost on building materials or if the other person started first, they can share some of their experiences Is there space for your builders to park? Is there good road outs of your estate or are you reliant on a single exit which can get very clogged up during peak hours? Here's a BCA owner's checklist guide Finally, I would like to start that I'm not an agent. I'm just trying to share since others have helped me before and I'm giving a little back so everyone can benefit. But YOU and you alone need to get that info you need. No one will spoon feed you and there's no charity. You find those good deals, with the aid of a good agent. Look at as many areas as you can, and take your time. But timing is everything and sometimes, that dream home just pops up and you have to be ready. You snooze and you lose... Good luck! BCA Homeowners Guide.pdf
  2. this Hunter made debut liao.. just tot this might interest military fans https://www.snafu-solomon.com/2019/08/singapores-hunter-ifv-frontal-armor.html
  3. What things or activities do you do or see people do in caparks?
  4. Hi all, would like to know what should I be careful after apply paint protection/coating? Something like should not wash the car for certain time till the coating settle??? Experience MCF bros please share some tips!! I am worry what will happen if somehow heavy rain after I apply the coating? Especially it's rain often recently, and I park at OCP, not MSCP. I damn unlucky that, every time right after I wax, sure will rain one, either the same day or the next day~ sigh.....
  5. Hi people In this day and age when COEs are higher than a Boeing 747 can climb, I would like to recommend a car that is cheap (about $25k) that is durable (some have their COEs renewed till about 2019) that is reliable (mileage about 400,000km and still going strong) that is maintenance-friendly (parts can be as cheap as or even cheaper than some Japanese cars) It is a Mercedes Benz built between 1987 and 1995, Mercedes Benz cars are classified by their chassis ID, and this one is known as the W124 following the first 4 letters of their chassis designator Available in 2.0l onwards, road tax is on the high side (about 1.8k a year) Fuel consumption varies from 8 - 9 km/l Road handling is very stable, very comfortable, very spacious, very safe so it's suitable for young families with young children and a tight budget Main appeal is the low price tag and the prestige of Mercedes Benz Sometimes people forget the good things in hand and then they progress to buy other cars - and after a while, a tinge of regret creeps in ha ha Oh well, hope some fellow W124 owner is able to share his experience here with me I have owned my 1991 W124 8v 200E for 7 years now, fully paid up, drives it daily to work without much problems - towed once in 2005 when I first bought it, and then recently in 2012 towed again due to an alternator (my itchy backside wanted to try out a recon alternator) After the towing, the new alternator cost me $400 plus installation and then it's back to my best workhorse running its daily routine again :-)
  6. Think this thread should be interesting eg. Why I never think of this?? Lemme start .. Saw this interesting n functional rubbish Bin in Singapore while having a smoke.. Can be tilted for easy disposal of rubbish..
  7. all single members fall in https://www.todayonline.com/world/durian-trader-offers-s425k-man-who-wins-daughters-heart can keep the monies...I take the gal n durians next few days wont be free...errrrrr.....I go langkawi visit mahathir
  8. For your reading pleasure http://www.moneysmart.sg/money-talks/thing...ld-stop-saying/ 4 Things Rich People Should Stop Saying By Ryan Ong in Featured Post, Money Talks | May 10, 2013 11 Comments I have nothing against rich people. Hell, I
  9. Please be honest and share. Reading books or watching BBC not counted.
  10. Of late I have sort of ran out of things to do with my wife. Besides the usual groceries purchase, attending church, and little shopping we basically do nothing new as a couple. and recently she's busy so i have been hanging out with my colleagues after work and it involves colleague... and i have to remind myself i am married... i surprised wife with mcdelivery breakfast last week... but received mixed reception. She told me she preferred big breakfast instead of pancakes and commented that it is expensive with delivery charge and asked me y don't eat with her at mcdonalds instead.... but eventually she still thanked me for the breakfast. this is the 4th year with her liao .. what couple stuff do u guys usually do? i want to fall over for her again...
  11. amidst the claim of FW that their issue can't be helped by MOM. now, ...the art of dodging bullets..
  12. Hi guys, I got some items no longer in use to my kids so planning to give away for free to anybody who need it more than me.
  13. Japanese women list the things men do that make them look cool without even realizing it https://en.rocketnews24.com/2017/11/15/japanese-women-list-the-things-men-do-that-make-them-look-cool-without-even-realizing-it/ Tiny gestures can make big differences in how these women see a man. Japan puts a lot of effort into personal appearance, as thorough grooming and stylish, seasonal attire are considered by many to be prerequisites for going out the door in the morning. But recently women on Internet forum Oshiete Goo highlighted the fact that often a man is at his most attractive when he’s not actively trying to look cool. The discussion was kicked off when one woman, going by the screen name kozakura, posted: “What are the little gestures and moments that make you think you could fall for a guy? For me, it’s when a man gets a serious look on his face when he’s putting something together or repairing something. Or when he’s talking to an animal…that gets me every time.” From there, others were quick to chime in with their personal favorites, some of which, like kozakura’s mention of household repairs, included old-fashioned masculine activities, or simply the overall atmosphere of the strong silent type. “I like the look a guy gets in his eyes when he’s driving and checks the next lane before crossing over into it.” “When he reaches up to change a lightbulb, or gets something off a high shelf and hands it to me with a smile.” “For me, more so than talkative guys, I like men who are sort of resonant. Guys who have a cool quietness to them, and who only show their smile to people they’re really close to, those are the kind of guys who get my heart racing. Seeing them smile, there’s a childlike cuteness that just pierces my heart.” But as some women pointed out, even the most mundane motions can be enough to make them feel drawn to a guy. “When a guy takes off his glasses, to casually scratch his eye, wipe the lenses, or put in eye drops.” “The way his hands look when he’s dividing up a large plate of food for everyone at the table.” “The way he walks. If I think a guy is cool or handsome, he always has a gallant stride. It’s like his attitude and life philosophy are all reflected in the way he walks.” Of course, some were willing to admit that they might be reading a bit too much into these mannerisms, such as the woman who said: “There’s something attractive about a guy who’s looking off into the distance. It’s like he’s getting ready to take on a big challenge, or chase after a fervent dream…or maybe he’s just admiring the view.” But as far as providing that initial spark of attraction, these little things can be enough. --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Your thoughts?
  14. What are the odds of encountering one or two oddball, batty teachers (even principals) during one's ten to sixteen years typically spent pursuing a formal education in Singapore schools? Well, obviously not so improbable. Read: the nasty, weird shit or advice spewing out of the mouths of some of these folks who were supposed to enlighten the eager bright young minds of tomorrow aka you the student. Oh yes, the horrors, the horrors indeed. More than a handful over at Reddit Singapore "affectionately" reminisced about the ridiculous (perhaps bordering on crazy), at times unintentionally entertaining and possibly thoughtless remarks their innocent(?) ears had to endure once upon a time in the classroom: By chongccino: "In secondary school, I got caught for folding back my skirt during an open house event. Normally I wouldn't do such a thing and I tried to explain that it was because the hook fell out. But the discipline mistress cut me off really rudely, told me I was setting a bad example for the juniors (another one who I never spoke to in my entire life was caught alongside me for folding her skirt) and exclaimed: “do you want the public to think our girls are cheap sluts?” Back then I was afraid of any further repercussions but in retrospect I should have complained and not let that slide because that was plain insulting and rude. What a bitch." By uniscent: "Last year one teacher in my school was helping out a group of girls with their geography project (during a camp) and requested they enter into a room to complete things; when the girls declined he laughed and said : “ Why are you so scared? It's not like I’m gonna rape all 3 of you at once.” "
  15. I was picking up my kid from a renowned child care centre whom my kid just enrolled in. Upon entering the place I saw a care giver cum teacher reprimanding a young boy of 3 years + demanding an answer why he did such a thing..she kept repeating her questions in commanding tone..I was like thinking if I was one of the parents of the boy my heart would sink.
  16. https://www.youtube.com/watch?v=W42zsFYjZvM No wonder VW dry clutch fail so often in SG... too much start stop traffic here...
  17. Hi, what are the things to do before getting you new car, 1st time owner here, please share your tips..thanks Like .... can go HDB buy season parking after IU and plate number is known? buy coupon? getting to know the road (any tips?) During collection of new car, what to look out for? What sort of documents the SE will give me?
  18. How do we tell the difference? Let's say someone don't earn much. By being frugal, he has some small savings and is perfectly ok with not owning a car or living in a condo ever. At work, he is quite happy where he is and not trying to move further up. At home, just play PC games and go for occasional movie / window shopping on weekends Is this considered contented or slack? Above is hypothetical example only
  19. I know this is random, maybe no one will be reading this thread. It is ok. Just want to know how many people out there still have their dreams unfulfilled. What are the things that you want to do but never have a chance to do it. My list goes on... 1) wish to see the aurora. 2) have every chance to bring my DSLR around the world and take nice pictures of scenery. Possible every sunset and sunrise. What are yours? http://calgaryherald.com/opinion/columnists/fortney-local-veteran-wins-chance-to-realize-an-unfulfilled-dream Was reading this article, thinking aloud will i ever be like this man, live to my 80 and recall that i still have dreams unfulfilled.
  20. 1. You grew up watching He-man, Transformers, Silverhawk, Ultraman, Super Friends, Woody WoodPecker, Tom & Jerry, Care Bears, My Little Pony, Smurfs and Mickey Mouse. Not to forget, maybe Ninja turtles too. 2. You grew up brushing your teeth with a mug in primary school during recess time. You would squat by a drain with all your classmates beside you, and brush your teeth with a colored mug. The teachers said you must brush each side ten times. Not forgetting the silly red tablet which you know not the purpose for. 3. You know what SBC stands for. 4. You know in school, you could subscribe to get the milk which would come before you go back home. Some days you would get chocolate milk, other days strawberry. The old Magnolia fresh milk came in a triangular packet. 5. You were there when the first Chinese serial, The Awakening was shown on TV. 6. Everyone in class would tremble in fear when someone with a gauze stuck in the mouth came to your class and called out a name to go visit the school dentist. 7. You find your friends with pagers and handphone cool in secondary school. 8. SBS buses used to be non-airconditioned. The bus seats were made of wood and the cushion was red. The big red bell gave a loud BEEEP when pressed. There were colorful tickets for CSS buses. The conductor would check tickets using a machine that punched a hole in each ticket. All SBS buses used to be manually operated, with a gigantic gearstick to the left of the driver. 9. Your favorite actor and actress were Huang Wenyong and Xiang Yun. Next were Li Nanxing and Zoe Tay and the Aiyoyo woman (Chen Liping). 10. You
  21. http://www.mycarforum.com/index.php?autoco...mp;product=3128 $55 for the VS! thats less than 1/3 the price of what is sold in SG..... Sounds too good to be true? I don't know, just saw the address that its in JB. I know there are many chiong stuffs there. Wonder if this is one of them.....
  22. This is so apt considering that most here still cannot agree to disagree. Good time to reflect and think deep down what really matters. This is timely considering the 'disliking' going on Peace and stay happy and most of all let it go
  23. i dunno what you guys think about this but one day, a student came knocking at my door and asked to to buy something from them so as to help them help themselves with their education fees. They even had this "pass" or something. on hearing its for their education fees, did not think twice i said yes and i bought a rubber luggage tag for $10. (these tag could be bought from shops for maybe $1.50 to $2). a few days later, my wife was looking at the tag and she realized that the tag was actually broken ! it seems that the bottom half of the tag (about 2 cm was broken off). I dun mind helping students in need and dun really think much of the items that they sell ... but somehow i feel this is a rip-off as the students were selling rejects or damaged items (maybe sponsored?) I would have bought it with a peace of mind if the student had been truthful and told me it was damaged even. well, i guess i does not pay to be helpful. I am already telling myself not to "help" students or people selling things on the streets already ... but this door-to-door is a first and last for me also.
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