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Hi all, Needed some advices as me and my wife couldn't decide which way to go. I shall tell my story in point form. 1. Currently living in a 5 room flat in woodlands. 2. Bank loan left 8 years to clear about $52K. 3. Applied for a 4 room BTO flat and was lucky enough to have slected a flat next to Bedok Mall and opposite Bedok MRT. 4. We had paid the the $2k option fee. 5. Pending to pay $52k(10% downpayment) + $15k(3% stamp fee). These 13% going to cost us about $67K. 6. We have $50k cash on hand. Another $15k from my wife CPF. 7. Wife just became PR 2 years ago. Therefore her CPF OA was little. 8. My CPF OA was used to service the bank loan of our current flat. 9. The amount was just enough to service the monthly loan. 10. New BTO flat in Bedok TOP 2021. 11. Selling our current Woodlands flat in 2021 need to pay HDB $50k levy. 12. Expected bank loan left around $30k in 2021. 13. I am using a safe amount to calculate. Let's say we only managed to sell our Woodlands flat for $400k in 2021. Minus levy and leftover bank loan. we can get back $320k from our Woodlands flat. 14. I knew out of the $320k that i get back. About half need to goes back to my CPF OA. But these money that went back to CPF OA will be used to pay for our New Bedok flat in 2021. 15. New flat left $470k after the downpayment. HDB able to grant us about $150k loan. 16. Therefore we have no problem for the new flat. We only need to save another $50k - $70k to renovate our new flat in 2021. Option 1 1. Thinking of investing our $50k cash on hand on oversea property. Wife is from china Hainan Dao. 2. We are thinking of buying a small condo unit about 40 square meter that cost about 400k - 500k RMB. 3. Why small unit? We only have $50k SGD on hand. Plus small unit maybe easier to rent out to single professional. 4. Downpayment needed about 30%. Therefore downpayment for an average 40 square meter condo unit about 120k - 150k RMB which is about $24k - $30k SGD. Option 2 1. Shall we go ahead with the Bedok BTO flat? (We like the location very much as it is next to Bedok Mall and opposite Bedok MRT). Capital gain from the new flat will be much better as compare to other flat that is not near to mall and mrt. OPtion 3 1. Apply for another 4 room BTO in other location which cost around 280K. I believe after selling our current 5 room flat in Woodlands. We should have enough cash for other investment. Hope that the expert here will give us some advises. Thanks in advance!

Been years since I last surf here actively..... Cannot tahan the new car price so thinking of extending existing 06 Latio for another 5 yrs.... The thingy is.... 1) Aircon Compressor gone again (change ard 4 yrs back)..... aircon can only tahan 10mins before it start blowing hot air..... then switch off for a while.... can tahan a few mins before hot air again. no gas leak so, its likely the compressor issue yet again.... any recommended workshop? 2) Shock absorber seems to be gone.... car always dance across hump.... so I guess need to change again... any recommended workshop and reference quote? 3) ikey...... kiddo drop keys while alighting, and I only realise a few mins later..... trace back, and found the key ran over by a few vehicles.... intermittent working, until it decided to totally give up today. I dun mind using the manual key (have 2 anyway), but would like to have a recommendation for 2 way alarms Thank you guys for the kind attention to the abv inqueries ^^

Hello, I will be flying off to Brisbane/Goldcoast this Saturday and I will be renting a car there for the very first time. I plan to book the car thru AVIS website but the strange thing is the local office website(avis.com.sg) gives a much higher quote as compared to when i tried going to Australia AVIS website. Anyone experience this before? What might the reason???

Want to see fellow MCFers advise. This morning was at a junction going straight, car stopped. The car behind me (Grey coloured Golf) wanna squeeze out of his lane to turn right. Some car horn him, so he half car out of lane while waiting for traffic to clear. Then when he finally turned, "bang".. his side mirror hit my side. Although only some minor scratches, but he just speed off. What should i do? just let it be? i got his car plate.

Hi, anyone can give advises on what SUV that is available currently suitable for on-road and off-road drive ability?' Sorri to ask such a noob question but just want to know more the experts / SUV owners. Thanks alot

Hi all, I need to change my 4 tyres very soon. I'm thinking of the following with 195/55 R15: 1. ST115 2. ZE512 3. Michelin tyres Any advise on the price and workshop to go? Thanks in advance.