pantieileen

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Perhaps your house just has a bad case of mould growing within the false ceiling. somewhere in the house is leaking and singapore is humid. Occupants of the house breathe in the spores and tend to hallucinate therefore everyone in the house hallucinate together but when you go out of the house is ok. Creates the notion that the house is haunted. Do a good cleanup also doesn't cost much, perhaps cheaper than engaging some @((# Check your bathroom, shower area, aircon, carpets, false ceiling

325k is value of entire estate, inclusive declared jewellery, bank deposits....anyway worse than sgp as long as <9M ok..325k is so low

coz the house must be put up for sale either as furnished or unfurnished...so if got tv, furniture = furnished then valuer come and value higher and if sell higher and then exceed 325k then kana tax..stupid right?

now inheritance tax is for >325k gbp then u'll kana 40%. What we did was to donate some items off like cars/tv/furniture to churches to lower the value of the estate. 100% agree with all the fuss in handling overseas rental unit..imagine we paid 1k gbp just for disposal services when in Singapore i can just ask some poor Bangladeshi or PRC to come salvage items we are going to dispose. Sell off the house and took the estate so much easier

Some of my searches over the last 3-6months while looking for a 2nd home (vacation/retirement) Bangkok properties : Sathorn, Sukhumvit, Silom, Siam which is considered like our Tanglin, River Valley, Orchard price of 2bedroom units (900-1000sqft) goes for about 400k-600k sgd depending on how luxurious the apt is Cheaper areas (don't know the names) but about 3-4 BTS stops fromthese 4"S" areas mentioned can get for about 60k SGD. Both comparing apple to apple, service apts, units are furnished and there's housekeeping services (sorry i can't cook/clean to save myself) -ve point : rumours that bangkok will flood in duno x number of years (maybe i die already?), rental doesn't seem to be very easy, some units i seen in july still for sale or rent in jan +ve point : low cost of living, good retirement or vacation home to consider, can easier take bank loans, close to SGP Malaysia, Indonesia, Philippines haven't explored yet coz i like to eat pork NYC properties : about 800k-1200k usd for small 3bedroom or big 2bedroom or big loft. Those i saw at 2nd Ave, 3rd Ave, some slightly off Park Ave but definitely not west side. I didn't feel very safe when i was somewhere in 86th or 88th west subway station. Felt like i was going to be mugged or shot in the next minute. To be fair, i only saw condos and not co-ops. I really like units facing Central park but those even in upper west side have great view but i don't feel safe so out. -ve point : rental yield doesn't seem fantastic when i factored in high maintenance cost (doorman). not all condos have pool facilities, their concept of condos are quite different from ours, some got no tennis courts, swimming pool etc even if got, some are indoors, not easy to take bank loan +ve point : no tax on shopping for clothes, USD quite low these days, family in NYC, great weather during spring and fall California Chino Hills properties : 350k-500k usd for 2acres land but only 3000sqft buildup, single and double storey, 4bedroom 4bathroom or 4bedroom 3bedroom units. This area has great weather, up in the hills and great view of the entire valley. Population of about 30% asians, still less than Silicon valley -ve : no rental yield, no public transport, chance of mountain lions, snakes roaming around +ve : great retirement homes but no medical coverage when i grow old Tokyo : Actually i saw some units in Tokyo, not in greater tokyo hor. i saw units around Shinjuku national park (shinjuku gyomae) facing the park. sorry i'm a sucker for parks about 1.2M for 800sqft. So actually not as expensive as Singapore's central region. The last i saw was in Oct 2010 -ve : high cost of living...even more expensive than NYC +ve : initially i tot Tokyo is a great place to live (don't talk about cost), fresh air...then now earthquake so i think twice Saw some units in London coz we have family living in central london but didn't like the pace of living as compared to NYC or California. Ok, it's always raining when i'm there and i find that people in London aren't as friendly as USA and sorry, i'm not really a financial expert, i know **** about SOR or interest rates so if can rent good, cannot rent its ok attitude. I only like viewing properties as a hobby. Currently looking at Chiang Mai and boliao look at Spanish properties....

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depends on seniority of the banker u talk to. Any bank also offer.

My new roof costs 21k from timber/tile to don't know what support/metal roof I made all the contractors who came to quote for my reconstruction prior climb up to assess the condition of the old roof. I removed the false ceiling panel and provided a ladder and a big big torch light and made them climb on the spot.

oh yeah! i got my refund for property tax coz i call and kpkb that now i demolish from the front wall onwards how to live in it? if no one can live in it and can't rent then i shouldn't be paying tax then they said ok pay first and they'll look into it. So really can refund partially since construction takes 10-11months. Guess if u never ask u'll never know.

the forest will be gone in the next 3-5years. New condo beside coming up. Signboard says marketed by huttons. I live around here. 20-25min via PIE to orchard. Don't know why but there's seems to be influx of expats in this area judging by the good bodied angmos who jog and the many jap ladies and their kids

600k budget can do wonders! Can pay for reno for my house + wedding + Audi A4 that is if i make sure my guests give me at least $200 angbao per head!

Saw someone ask about payment of property but i'm abit lazy to start another thread yet i have this lingering question in my mind for more than 6months. Property loan left : 700k Loan tenure : 30yr Both our cpf remainder not utilised : 80k (OA) Loan contract :2yr means next jan can refinance (correct terminology?) Current cpf in my OA (not sure about his) : stuck in investments, think it's unit trust or something. Foolishly bought before recession now make less loss or abit more but definitely less than 5% of cpf rate reason why i didn't dump all our cpf when we bought our place last year :market down if i liquidate means i make about 10k loss, never make loss so i felt abit unhappy. plus bf wanted to buffer enough in cpf in case i strike jackpot and decide to stop working and take care of kid. Question : Should i liquidate out my cpf investments then dump it into the property next year when i refinance? if there's no longer a need to buffer for cpf payment for the property if i stop working? I wanted to ask my insurance agent but she'll sure tell me to park it with them. Wanted to ask my mortage agent but i'm sure he'll say leave it there then i'll take higher loan hence higher commission for him. I wanted to ask my parents but they sure tell me they don't know. So don't know who else to ask and i read and it seems this bepgof quite clever. But ultimately as a consumer, which is better? quickly pay off the loan?

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Another way i thought was to explore the option of reconstruction or renovation loan which alot of banks now are happy to provide. I guess negative of this would be the loan tenure would be shorter, interest higher and cannot use CPF. Then again, buying with your sibling would also mean you or your sibling will no longer be qualified to purchase HDB if you do not own one now.

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