Mi Choza De Nipa

With the changes upcoming for CPF usage , it will be a blow to Buy-and-sell boys.   Why?   They’d be hitting the limit. When they sell , they’d have to buy after. So what’s the gain?

With the bank loan pending final approval , the banker keeping track of my application reassured me that ‘it should be ok’.   My agent , on the other hand , called in about an hour later , and he also promptly called me to say that I shouldn’t be worrying about the bank loan.   To top it up , he told me that I can go and ‘see’ the house one more time. ‘When can I do that?’ was my reply. Next week , when the LO is out for signing.   Since there is a branch in Yishun for the financial institution , I suggested that iunstead of going all the way to Bukit Merah (Red Hill) , we would just request the bank officer to come down to Yishun , especially that I and my wife would both be signing the papers.   And , we’d be paying the rest of the downpayment of 4k when we go and see the flat the second time around. I was thinking that the kids wouldn’t even want to go in ...

Beware of Garbage Trucks by David J. Pollay   How often do you let other people's nonsense change your mood? Do you let a bad driver , rude waiter , curt boss , or an insensitive employee ruin your day? Unless you're the Terminator , for an instant you're probably set back on your heels. However , the mark of a successful person is how quickly he/she can get back her focus on what's important.   Sixteen years ago I learned this lesson. I learned it in the back of a New York City taxi cab. Here's what happened.   I hopped in a taxi , and we took off for Grand Central Station. We were driving in the right lane when , all of a sudden , a black car jumped out of a parking space right in front of us. My taxi driver slammed on his breaks , skidded , and missed the other car's back end by just inches!   The driver of the other car , the guy who almost caused a big accident , whipped his head...

The bank loan has been applied and is already half-through for about 3 weeks now. The Option and Valuation documents were sent in yesterday , and the bank officer promptly contacted me to inform me of final documentation requirements.   Amidst the joy of “owning” a house , of being able to call a roof our own , a place where we can sleep soundly under the protection of our Lord , in a place that He has provided , there is still the doubt creeping up now and then. I analyze , and I find that it is not lack of faith. It is , rather , the means by which , even in the midst of the fulfillment of God’s promises , even at the point of receiving the answer to our prayers , and the blessings He so freely will give , if only we believe – and it is not that we don’t believe , but that we still have our finite sight , there are moments when even we know that God is on our side , we doubt. God allows it , as in t...

In my hunt for purchaseable flats , I’ve learned a few lessons: 1.        It pays to view. - Pictures don’t even come close to the real thing , so go out there , and view flats! 2.       What you don’t get , you learn from. - I’ve seen many flats , saw their makes and designs , and some undesigns , while some , no designs at all. And we’ve seen some that we like so much , but cannot afford , and wouldn’t afford even if we have the money. Nonetheless , we have learned a great deal of how to fix up and mix up and arrange things in the (new) house , thanks to what we have seen. 3.       Obstacles are what we see , when God is showing us something else. - Sometimes , we pray for great things. And when God wanted us to see the answer , we can’t , because we have fixed our eyes on what we think is the best house , ever. 4. ...