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Would you invest one grand to coat the car which probably will last 2-3 years or just save the money and budget a respray 3 years later? Pros and cons. 😁

As above .... If PI which company ? Thanks for all advice in advance appreciate

GOOD LUCK, GUYS!!!! http://articles.timesofindia.indiatimes.co...al-headquarters Singapore likely to hire 60k Indian pros in 2011 Mini Joseph Tejaswi, May 12, 2011, 07.37am IST BANGALORE: Singapore has emerged as one of the worlds largest hiring markets this year,and this offers opportunities for Indians. The country expects to hire over 3 lakh mid-to-senior level professionals in 2011.Hiring firms say over 20% of this talentaround 60,000 people-will be from India,50% from within Singapore and the rest from other parts of the world. Zubin Shroff,partner in executive search firm Braithwaite Steiner Pretty,said Singaporean firms requirement for talent had multiplied this year,with all markets in the region growing.This is creating opportunities for many Indian professionals from across industries. Singapore is the regional headquarters for many American and European banks,financial institutions,manufacturing giants,oil and gas companies,large IT corporations,mining firms,healthcare and hospitality brands.These companies are now expanding rapidly in Singapore and across China,Indonesia,Malaysia,Hong Kong,Vietnam and Australia.Hiring firms say some 40% of the 3 lakh recruits will be placed in Singapore while the rest will go into other Asia Pacific regions. Jayanthi Y,chairman of hiring firm AdAstra Consultants,who is in charge of talent acquisition for Apac,said,Singapore today offers a never-before opportunity for Indian talent.Its proximity is an attractive element,while salary is the biggest attraction.Professionals receive 4 to 5 times what they are paid in India. Jobs are available particularly in banking,hospitality,technology,manufacturing,oil & gas,healthcare,mining and textiles. Global executives are attracted to Singapore for its high quality of life,congestion-free traffic movement,its safety standards.For Indians,the three--hour flying time and Singapores assimilation of Indian culture are added attractions.Most companies operate out of economic zones where the maximum personal income tax is 15%.

by reducing resistence and increasing CCA on the battery, whats the real benefit if it????? electrical gurus please enlighten.....

hi wanna put on a CF wrap.. any pros and cons about it? dont wanna spend on CF bonnet cause LTA have rules and regulation of the bonnet.

Buying a car in Singapore is a burden, thinking of leasing one instead so that can change car anytime. Any bro can spell out the pros and cons on leasing? Thanks in advance.

HI pple, Considering to get a Audi A5..... May i know what are the pros and cons of getting the car from PI instead from AD??? Servicing? Warranty?? If Gearbox or Enginge kaput how?? etc etc...

As above...

Hi to all the experts here.. im contemplating upsizing my rims. So wanna know more about the implications. Hope you guys can share some wisdom. Kindly use the format: Pros: Cons: thanks a lot!

experts out there.. what are the pros and cons on ignition boosters? supposed to improve ignition with complete combustion but does it affect ECU? affect spark plugs life span? affect ignition coil life span? Please share, cheers!!

Really a damn fxxker...demand 3rd time sex, pros refused then killed her. 2 lifes man... http://sg.news.yahoo.com/cna/20100111/tap-...ng-231650b.html SINGAPORE: Not content with killing a pregnant prostitute hours earlier, an Indian national brought another back to the scene of his crime to have another round of sex. His sexual encounter with the second prostitute took place on a bed, which was hiding the body of the first. This bizarre and twisted incident was told to the High Court as 21

Hi, anyone with experience can advise me on this topic? Current things that makes me wanna sign on is that I don wanna waste my 2 yrs in army doing nothing, if i sign on i can learn more stuff and treat it as a working experience. I have a Dip in Mechatronics. I am signing on not bcos of the $$. For me i don really like military training and life that much at all so i thought i might as wel use this time to learn something about aircrafts. Any bros know the work timing? I am thinking that if its stay out, i can do my own business at night as well, and not being stuck in this profession for the rest of my life. Im not planning to be a senior tech for the rest of my career, and im gonna just treat it as a working experience and learning of new stuffs. Anyone has with experience in this matter? Thank u guys.

Interest-only loans: the pros and cons They make sense to short-term investors and individuals who are high income earners and in high tax brackets. Ben Fok CONSUMERS are constantly bombarded with offers of loans, overdrafts, credit cards and instalment plans that promise instant gratification. We cannot avoid debt entirely, especially when it comes to acquiring the big ticket items, and not all debt is bad. But those who borrow must be prudent and know that they can make the repayments. Even high net worth individuals (HNWI) go to financial institutions for loans, which might seem strange since they are presumably cash-rich. But there are situations where it is worthwhile for the HNWI to borrow instead of paying with their own cash. Some financial institutions offer interest-only loans targeted at the HNWIs. With such loans, you only repay the interest, not the principal, so the loan balance remains unchanged. Most interest-only loans offered by financial institutions are associated with the purchase of property. Interest-only loans make sense to individuals who are high income earners and in high tax brackets. The benefit comes from being able to save on tax on rental income. That's because the interest portion of loan instalments for rental properties is tax deductible. This package also works well for short-term investors. By repaying only the interest, investors fork out less cash each month, until they sell the property. As a result, they may be able to invest in two properties instead of one. But interest-only loans are not for the long term, because at the end of the loan period, the payment is raised to the fully amortising level. If you're still in your home at the end of the interest-only period, you'll have to start paying off the principal. The payments will be considerably larger because they'll be amortised over a shorter period. For example, if your interest-only option lasts for five years and you have a 30-year loan, your principal payments will be calculated on a 25-year term. Drawbacks of interest-only mortgages: - You could experience payment shock. As mentioned earlier, your monthly payment will go up - sometimes by 30 per cent or more - when you start paying off the principal. And if the end of your interest-only period coincides with an upward adjustment in your mortgage rate, you could face an even sharper hike in monthly payments. - You're more vulnerable if your home value declines. Many borrowers with interest-only loans assume home price appreciation will help them build equity in their homes. In recent years, that's been a good bet. But rising interest rates could deflate real estate values in some high-cost areas. It's best to get a reputable financial institution to run the numbers for you and spell out the worst-case scenarios. Equity provides a cushion against falling home values. Without it, you could find yourself owing more on your mortgage than your home is worth. If you sell, the proceeds won't cover your loan balance, which means you'll have to come up with money from another source. One way to avoid this problem is to make a good-sized downpayment on your mortgage. Advantages of interest-only mortgages: - You have more flexibility. Some interest-only borrowers can afford a larger mortgage payment but their priority is to beef up their retirement nestegg or build up their emergency funds. Once they've accomplished those goals, they often decide to increase their mortgage payments. Increasing your monthly payments will build equity and lessen payment shock when you're required to start paying off the principal. If you're interested in this option, make sure your loan doesn't contain pre-payment penalties. Interest-only mortgages are complicated, so make sure you understand the pitfalls before you sign anything. And don't rely on the financial institutions to figure out how much you can afford to borrow. A lender may not take into account all of your future expenses, such as child's university fees or support of an elderly parent. What worries me is Singaporeans taking two or more mortgages in a rising market. As property prices rise, the dollar amount also rises in line with higher selling prices. Affordability becomes an issue. You're in the best position to know what your financial obligations are, so get a mortgage you can afford. How much should one borrow? There are two ratios that financial advisers commonly use: - Debt to asset ratio which is total debt/total assets. This ratio should be 50 per cent or less; - Debt servicing ratio which is total monthly loan repayment/monthly take-home pay. This ratio should be 35 per cent or less. After all, wealth equals assets less debt. It is built up over the years by accumulating assets and paying down debt, especially mortgage debt. When you pay down the balance of your mortgage, you are increasing your wealth by reducing debt. But an interest-only mortgage does not increase wealth in that way. Of course, you may be increasing your wealth by accumulating assets instead. If that's your plan and you have determined that it is more effective in building wealth during the interest-only period than paying down mortgage debt, fine. But paying down mortgage debt is the most effective way to build wealth, especially in today's financial environment. Four dangers related to borrowing too much: - It can become a habit; - It takes away money from other important needs; - Your credit rating will be damaged if you don't pay the bills; - It can lead to high interest payments that are harder to make. Three situations where it's better to avoid borrowing: - Paying your everyday expenses; - Covering optional spending; - Borrowing when you know you can't afford the payments It's not a good idea to borrow a lot thinking that you will just pay the minimum back each month. It may take a long time to get out of debt and you'll end up paying a lot of interest. Also, if you have one late payment, your credit rating may suffer and you'll be charged penalties. At the end of the day, paying down a loan is the best option, because once it's paid it remains paid. Ben Fok is CEO, Grandtag Financial Consultancy (Singapore) Pte Lt. He can be reached at [email protected]

as of topic, lets say if we deviate from e manufacturer's spec of offset, wats e pros(if any) n cons of it??? For discussion purpose, take for eg. original states 55mm offset n u replaced e wheels wif a 40mm, sure it look gd wif e wheels now more closer to e fenders. But wat may b e cons of it technically???

Anybody here bore their air intake manifold before? What are the pros and cons?

Hi guys, Any HDB dwellers having a common toilet with 2 doors? any good and bad experience of using one? Thank you. Regards,

Does an Oil based filter fares better than cotton based and stainless steel drop-in air filter? It supposes to trap dirt better and yet provide higher flow than the 2. Please comment. Thank you. Regards,

Hi bros can anyone pls highlight the pros and cons from changing 16'' rims to 17'' rims

That day was out with ma fwen. Cos I dribe a stick one. Then I was like abit dulan cos left hand need to shift gear cannot touch her... Sibeh dulan... Should have gotten an auto box instead But then dribe manual the passenger can touch me instead... So I'll start... Pros for Manual: Control Fun Passenger touch you instead of you touch them Can be like Takumi Pros for Auto: Hand can Auto Roam Easy relag relag dribe Shifts faster than manual (for the better boxes out there) Yawn... Damn sian today

guys, 1)does anyone know how to download the maps from Malsing? 2)i am currently using a dopod 818pro, am i correct to say that i need to buy the garmin gps receiver b4 i can use? 3)must i get the garmin one or just anyone will do? 4)wat is the step by step download process?(I tried reading from Malsing but dun understand leh) thanks guys.

I can see the move towards cheaper COEs and more usage costs (Electronic Rd Pricing)implemented. As close as 5 yrs ago when COE prices were at >$30K levels, cars were not so many on the rd. Traffic was lighter than today and ERP prices were lower. Today at rock bottom COE prices, we not only get heavier traffic, higher ERP prices, but also more fatal accidents (more frequently too) on the road. When COE prices were high at >$30K levels, everyone complained about the high cost of cars and out of reach to many, but now when COE prices are low, everyone also complains about dealers making extra profit, higher & more ERP gantries etc. So cheap COEs = Good or Bad?

Hi MCF bros, May I know what are the good and bad of parallel import cars? How come the price is cheaper as what I see in SGCARMART? Is there a catch or need to pay extra after you collect the car? What you see the price stated is what you pay? Please advice. Thank you.

Performance Gurus, Spending $$$ on CAI and others only yield so much more HP. Warranty, legal issues aside., would it make sense to bolt on a supercharger kit on a 1NZ-FE (Auto/CVT) engine? How much more HP would it yield in reality ? Would it cause long term structural damage ? etc PS: The 1NZ-FE produces maximum power of 107 hp at 6,000 rpm ( from my expert vendor) Thanks, Neotan

hi all, im getting my new ride soon but cant decide whether to get leather seats or not. any kind soul pls advise. thks alot

Anyone used b4 the Soft99 Fusso Coat 9 Months Protection sealant..?Is it good,Is there any shine...?can it be layered...? And where to buy it...? Oh btw where are the various autobac outlets located...What are its opening hours for weekdays n weekends...? Sorry for so many questions,just one last one. I have collected my ride on 21 August,SFL plated...My ride an Ody Had been through 4 car washes,first two washes with Kit Concentrated Car Wash,following two with CarPlan's TripleWash Wash N Wax Shampoo...Now if i would like to apply the Soft99 Fusso Coat 9 Months Protection sealant.Can i just apply over my car body..? Becuz it had been through two washes of wash and wax...Is the proper Procedure(not sure if correct spelling)of applying the Soft99 Fusso Coat 9 Months Protection sealant this..?:Wash car with car wash liquid...wash n wax also can...? then dry car totally...THEN apply the Soft99 Fusso Coat 9 Months Protection sealant...? sorry for my long windedness...just wanted to make sure everything is correct...