Mickey M

Rondy Bro is so nice!! Hee.

looking gd! i envy most of u here. ur WC is S-trap right? mine is P-trap, so designs very limited. The better ones (eg. OXO, TOTO) are too big to fit into my toilet - HDB toilets are too small.

gd for u all le. I still have to work full day lor. ^&^&^%&$%#. Some markets still open for business. Sian. N hamper draw or anything. No benefits at all. Anyway......... MERRY CHRISTMAS!!!!!

I think have compressor. I asked shops better. So end up not buying 3+1 or 3+2. Actually, my air con ledge still have space for 1 more compressor. But i can imagine the trunking part. So end up not buying. Thinking of portable air con.

Thanks Bro!! We love Disney stuffs! Hee.

I can't remember from whose t-blog but was mentioned that the front door can be 'touch up' to change the design. I think either Henner or Mr Yeak is the ID/contractors. Wanted to change the front door but if can 'touch up', might as well 'touch up' than change the whole door. Should be cheaper. Who can advise? Tsk tsk.

Pomme, nice paintings! U drew or bought them?

okay! So fast receive housewarming gift liao! So happy! Thanks Rondy bro!!!!

That one my ID's blog. Not mine. Muahahaha. Disney stuff har? hee. My house warming lor. Hee. Jurong le, don't know how many want to come also. I know Angel don't mind coming for sure. I think I should change my handover date liao. CONFIRM by christmas won't be ready. lol.

hihi! ever thought of doing those pull out drawer for ur sauce bottles? if u go Blum or IKEA, u will know what i mean.

Charemme no internet at hm yet rite?

no la. bank trading. deriviatives trading job scope in particular. in case u ask what is deriviatives, deriviatives are financial instruments which will forever be remembered to have trigger the 2009 finanical crisis. lol.

everyday like that. but today unusually bz. trading is up and down over the yr. dec is usually quite quiet. but today like mad.

0% installment is okie. Cash is KING!

Merry Christmas! So did u rush to see the progress of your new home?

today in office work like mad. sian.

Cat, u back in town? - must always ask this when u post. hee.

Welcome! Enjoy ur stay here. All the best to your reno.

wah, let me see how to clarify in words, what u have stated is one type of loan with amortization. Amortization in short mean the interest which u pay is reducing every month. in your case, is every yr. Let me show some examples: Loan Amt: $10000 Tenure: 5 yrs Interest : 1% For Flat Rate type of loan, Prinicipal: $10000 Simple Interest for 5 yrs: $500 No. of months to service: 60 Payment for each month = ($10000 + $500) / 60 Assuming half way (2 and a half yrs) of servicing liao, u decide to redeem the loan, u will pay = $5000 (remaining principal) + redemption penalty if any. - u don't get any interest rebate the other type is loan with amortizing factor, Let say for Jan month u pay $200. This $200 will consist of both principal and interest. For Feb, u also pay $200. But more money will goes into paying back the principal than servicing the interest. eg. Jan: $175 (Prinicipal) + $25 (Interest), Feb: $180 (Principal) + $20 (Interest) So when u early redeem the loan, u get some interest rebates because change in loan tenure and calculation. Hope this is clear enough. I tried my best liao. lol.

err....... can appeal.... hee.

no la. our situation are all different. i don't dare to say i am 2 feet in stage 3, probably 1 and a half. we all have different incomes at the moment. so dont need to self reflect so much. just ensure that for the start, have 12 months of savings as back up. thereafter, should invest the rest. if i work as interior designer, then i wont get an ID to do my house liao. muahaha. so u how old lei, rondy bro? heehee.

i la?? less than 365 days to the BIG 3.

yes. it works the same for banks. BUT there is usually a penalty for early redemption. so it is usually not wise to fully redeem the loan when u have serviced 80% liao.

rondy bro... i think everyone should be as financial savvy as possible la. as for me, i work in banks all these yrs, from consumer to wholesale banking, so probably know more abt this. rondy, u how old har? keep on saying i dont sound my age. hehe. i am like in stage 3 but financial freedom still long way. many ppl are risk adverse, that why stuck in stage 3.

gd afternooon Charemme! yes. u can interest rebate if you clear your loan earlier. in simpler term, today i borrow $100 from you. u charge me $10 interest provided i pay back by Sun. But if i pay back earlier (eg. Fri), i will pay a lesser interest (eg. $8). hee. that is how flat rate loans work.