kalimantan

which means the threadstarter needs to have AT LEAST 400K cash for a 1m pty (which i assume they intend to hold hdb and not fully paid up - singaporean mentality )

one of the famous full grained leather company states "cheap leather, prepare to buy more"

singapore herself is consider one of the most lawful country, and yet some un-scruplous retailer still exists ...what do you think of malaysia ? singapore at least still use lemon law ...malaysia use threats ... come on guys ..i am not against malaysia, but do they really give a care of after-sales service ? If things are cheap, it means NOT Substainable ! come on, if you guys want after-sales service, etc, there must be a price to pay. I remember a logo in a real full grain sofa italian company : it says "cheap leather, prepare to buy more" ... Unless our government OWNS JB CITY, then there is HOPE.

wow, borrow close to 1m ...when i was your age (at 36) ...i do not remember borrow that much ... i guess younger generation superb man !

so far, anyone use it before and what is the expected price like ?

Hi Just want to get a comfortable herman miller chair in my own room - one that is used to sit and face computer and reading. where is the distributor or retailer in singapore ?

gemstone (gold, diamond, etc) - used to be women's keeps. men seldom keep those stones, so if have chance, will buy a bar ...1kg is expensive for me, maybe a few grammes will do. Just want to touch and feel that's all.

Hi Happyhouse88, how much did you borrow ? Honestly i rather put 150k into the market, then open and close account. my house left 11 years of loan. nowadays bank will no longer subsidise lawyer's fee, which is why all loans mean you pay lawyer fees separately on average of $2500. Well dbs came back to me, and also give me a .75 rate, except it is lock-in for 2 years (variable sibor)

conclusion : singaporeans are cash-rich ..they can afford COV , and drivers can afford COE. Leave your contact number here so i can borrow from your folks ...lol

sorry i meant that compare to Jade, it is better to buy Gold as gold has a market where u can sell. Jade - there is no market and no proper appraisal system, therefore difficult to sell. And jade - u can bargain (compare to gold based on the day's prices) As for gold price, i have zero experience in trading and i do not speculate. However i always want to buy gold bar and display at home - maybe you guys can help me instead ..lol

ah that i admit I do not know much on Type B, C or D. But since they use the word Jade, yes it is Jade stone but of poorest quality that no craftman can create anything out from it. It could be full of cracks, no translucent color, etc - and chemicals are added to make it better, brighter or shiny.

seems that most married men know about this problems :-)

yes, it is ANZ. Did you get .7% by default or you put in 150k in the anz bank ?

no leh ..i did not put anything on my floor and my life is wealthier (with experiences) as i age.

color will go off within months and chemical is bad for the body. in fact it is not jade and chemical make it feel like a jade. It is like silver, chemical with gold and sell as a gold. In the end it is still a silver.

Well a long thread indeed ... The threadstarter wants to complain on rudeness, but HDB wants to move on and continue the transactions (you can't blame HDB for this as they have really no time to investigate on rudeness behavior,their KPI is to ensure you get your flat asap) Well, threadstarter wants to stop the rudeness from going on, therefore he plan to raise a complaint. Maybe he can try to work in HDB and setup a Quality and Superior customer service ... Or maybe once threadstarter gets the new HDB, he so happy that he totally forgot about the rudeness and don't bother to complain anymore ...

adding eldest son name in the HDB ownership or applicant - means one day got gf (he is a pilot, will have gf), and gf said "i don't want to stay with parents in law" ...therefore it is better that eldest son leave his name out. My era aleady got such problem, don't we think that today's era, ladies will not think that way ? Anyway since this topic is about finance and from financial view, yes the eldest son can put the name in.

hmmm ..i ask for options, but all i get is reading between the lines ..hahaha 1. no intention to sell. 2. fixed or variable fine. 3. i approach the housingloan consultant, and Bank A called me first. It is variable rate of average of 3M combo plus .8 % which equates to about 1.18% (average .0379 + .8) ==> this looks attractive, without penalty of partial payment. Yes there are definitily legal fees, with clawback thing, etc 4. Honestly the partial payment thing - how many of us really make partial payment ? For the last few years, very lazy to sell stocks and make partial payment. Might as well, pay everything right ? But seeing liquiity in stocks / funds make you "feel good "... 5. Let me see what DBS offers back for existing customers,with refinance package of $500.

okay, let me put in more information than mislead ... 1. My loan package expiring Nov 2012 period, for last 3 years - fixed at 1.99% on this coming 4th years - which i can re-finance, is charged at 1.75% above 12 month SIBOR. 2. Now i need to re-finace, what would be the better options ?

no need. open door and walk in, and start planning your house renovation

I am currently an existing dbs home loan (private pty) and they sent me a letter that there is a revision of interest rate of 2.3210% pa from Nov 15 onwards. Can anyone update me which housing bank loan offers lower than dbs ? Please discuss here openly

I can guide you in Jade. rule 1 : only Type A jade is genuine. Type B or C or D - are chemical applied. rule 2 : Type A - many different classes. Ex there are many pretty ladies and handsome men - all type A, but the quality of each Type A differs. All those shops that sells Type A varies. Rule 3 : There is NO fixed price in jade market. One shops sells Type A - for 1k, the other shop sells Type A for 10k Rule 4 : before buying anything, ask for certificate. No certificate - no need to buy. I rather you buy GOLD

i am working in shanghai now. and i see plenty of DARK COLOR FAKE jade with animal that sells around 10 - 50 yuan. My point is don't spend a bomb in singapore buying a jade that sells for few hundreds singapore dollars for fengshui. If u want it for fengshui, go to some ebay or chinatown - get a fake jade for a few dollars will do - to satisfy your fengshui object.

buying JADE ? do you know anything about jade ? sigh ..put any stone that represent elephant and rat - less than $1 will do. Kuti Kuti also can.

www.amuletforums.com - look under Hall of Fame, check Woodlands fortune teller. I want to hear feedback from FS perspective, from such thing like spirtual eyes, etc etc ..does FS believe in that ? As a layman , do you believe in that ? I am sure other threads, FS also talk about ghost-buster, etc, so i brought this topic for discussion as well.