Mickey M

It is always gd to pay in full if you can. Never gd to be in debt. So I feel it depends on your pocket.

I like the water feature! Well created.

Very nice and cosy. Definitely a cosy home!

wah, let me share my view. In any case, it is always a gd decision to clear whatever debts we have. Do note HDB housing loan is a flat rate, 2.6% p.a. Interests are calculated upfront. Meaning if your loan is $250000, the amt which you pay every month will be the (loan + total interest for 30 yrs) / no. of months. So whenever you do a partial repayment in any forms (eg. cash or cpf), you will get a interest rebate. Technically, the longer your loan is, the interest rebate which you will enjoy will be lesser when the amount is discounted back to current time. So for a 30 yrs loan tenure, $250000, if you do a partial repayment of $5000, your interest rebate will be abt $20 to $30. That is one reason why there are monthly reducing type of loans. I support early repayment, but prefer to reduce the months of servicing. In both ways, your interest rebates are the same actually. But somehow it feel better to know you can reduce a few months of servicing rather than knowing u get a $20 to $30 interest rebates. Personally, my way of investment in property goes: Firstly, finish servicing hdb loan asap. As hdb are protected against creditors, it is always gd to have one hdb as roof top for worst case scenario. thereafter, gd to invest in pte property. i agree rental incomes are not guarantee. picking the right location is impt.

Err.. we just choose what we like. didn't pay attention to the size. if u ask me now, i can't tell u what is the dimension of my kitchen tiles.

as far as info from newspaper, singtel wanted to tap on the cable tv technology when they was setting up mio tv. but starhub say no. then they develop their own box. as far as laying of fibre optics cable goes, singtel outbid starhub for the project. there is no free lunch in the world. so i guess it is matter of fact that whoever wants to use fibre optics connection have to paty for for it. i know opennet is a joint venture between singtel and the new company. but under anti-monopoly act in sg, no company can proclaim exclusive rights to anything. although singtel have joint ownership of the project, there can be no conflicts of interests when the service is roll out. so in some way, singtel have no rights to stop starhub or anyone else to tap on the technology. anyway, i think being user of services from both singtel and starhub, there are pros and cons.

err.. what is the relationship between opennet and singtel? in any case, opennet is the next generation of network. personally, i believe when this is eventually roll out to all corners of singapore, it is a matter of time when the scv box get phase out. in time to come, it will be only one box regardless of mio tv or cable. unless u don't want fibre optics connection la. don't want faster internet connection etc.

Congrats to the start of your reno, SGBuzz!

Congrats to the start of your reno!

Charemme is a man in disguise. hee.

muahahaha.

me too. no wonder i find the looks so familiar. don't worry, kopi. ur swimming pool is personal swimming pool. hee.

quick! ask kopi to help! be Charemme's slave! hee.

btw, u all plan for the opennet thingy or not during ur reno? i did.

lol.

no la. i was quoted $25 by my ID. he said this is his price. will show us is the real blum. previously new new said too cheap. then i question my ID. he said this is his carpenter's price. hinge is $4.50. slightly more exp than buy myself. but the price give and take lor.

i love rice, cos i feel more full eating rice than other staples. hee.

slowly la, take ur time to know and understand ur rice cooker. rice cooker has feeling also. that why the rice turns out differently all the time. muahaha.

new new, btw, i was quoted $25 for my Blum runner system. *Special price*.

ur hubby no gd! didn't help u. joking la.

no la, i was thinking cooking rice not very difficult. but no matter what, every rice cooker behave differently. so need some practice to master how much water to add, etc.

i was thinking. if u want the skirting to be the same color, might as well remove all the skirting in the first place. but skirtings to protect the tiles. previously, wifey was saying to paint the skirting. but i told her when we reach that stage then decide. hee.

hee. Angel is a gd cook!