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  1. Bought a brand new car and want to avoid door dings? Or perhaps you're a car enthusiast and want to keep your car away from potential busybodies? You can now create your own private parking space even though you don't live in a private estate! Check out this dude in the video below and how he does this...We wonder what this guy drives that gives him the right to have his own special private parking lot. Whichever car that is going to be parked in that lot at 406 Fernvale Road MSCP better be a nice car... Check out the comments people on SG Road Vigilante have to say! 104247240_2999667930147081_5514356786496781035_n.mp4
  2. would you sacrifice everything else to own a car? http://www.channelnewsasia.com/news/cnainsider/low-income-and-owning-a-car-why-9449930
  3. Of late, luckily not too often, we have been getting requests from members (you know who you re) to delete/edit/remove posts that they have complained/given adverse feedback about a company/AD, etc and then want to retract AFTER they have posted and started a thread either because: 1) the other party have gotten back to them 2) Threatened a lawsuit or otherwise Then, the request comes to the mods to clean up their act for them. What makes it even more juicy is they request that they BE INFORMED when the act is done. Let's get a few things straight here: 1. Be RESPONSIBLE for your actions. If you dare to post online, be prepared for the repercussions. Use your own due diligence to go to all means and then post here for HELP! Case in point, 2nd hand car dealers 2. Seek clarity first and post as a general question as opposed to a DIRECT implication to any party. This saves you a lot of headache 3. MODS are not at your beck and call to DELETE and erase your EVIDENCE and then CALL YOU and INFORM you it is done. MODs are volunteers and it is enough to deal with trouble makers and now we have to be your personal assistants? I trust this should explain the rationale and the first point should clarify and kindly POST RESPONSIBLY! thank you @babyblade pls move this to the feedback folder. Sala folder
  4. We have our national orchid and now, our national bird....... Crimson Sunbird Yahoo : Did you know that Singapore has a national bird? Everyone knows Singapore’s national flower is the Orchid, but do you know that Singapore’s national bird is the Crimson Sunbird? The Crimson Sunbird, or Aethopyga siparaja, was declared the national bird by Dr Shawn Lum, President of the Nature Society (Singapore) at the 6th Asian Bird Fair Fellowship Dinner on 31st October 2015. The national bird was apparently chosen in a public vote at the society’s 1st Nature Day way back in 2002. In that poll, the Crimson Sunbird won with 400 votes, or 38 per cent of a total of 1038 votes. Yahoo Singapore has reached out to the Nature Society (Singapore) regarding the 13 year gap between the vote and announcement, but has not received a response at the time of publication. Many members of the public that voted for the bird commented that it was small, active and red, much like Singapore. Other contenders were the White-bellied Sea-eagle, which was second in the vote count, followed by the Black-naped Oriole, Olive-backed Sunbird and the Greater-Racket-tailed Drongo. One interesting fact about the Crimson Sunbird is that it was collected and named by none other than Singapore’s founder Stamford Raffles, who published his findings in a journal. The bird can be seen at places like the Bukit Timah Nature Reserve, Central Catchment Nature Reserve, Pulau Ubin, Bukit Batok Nature Park, Singapore Botanic Gardens, Sungei Buloh Wetland Reserve, according to the Lee Kong Chian Natural History Museum. Considering the small voting pool, it’s no wonder that hardly anyone knows about the Crimson Sunbird and many people believe the crane or joke that the Singapore Airlines is the national bird. link : https://sg.news.yahoo.com/did-you-know-that-singapore-has-a-national-bird-083735196.html Nice little cutie birdie ....
  5. The sharp reduction in COE (certificate of entitlement) supply relative to current demand has led to sky-high premiums and equally astronomical car prices. A Toyota Vios, for instance, now costs $119k – twice as much as it did five years ago. As if that wasn’t enough, the introduction of a tiered ARF (Additional Registration Fee) scheme plus the stricter financing rules implemented earlier this year have truly left aspiring car owners in a quandary, for they’ve created a significantly higher barrier to car ownership for the average buyer. The previous lending regulations, which allowed banks to extend “full” loans with a repayment period of 10 years, have been abolished. Under the new rules, buyers who intend to purchase a car (including used ones) with an OMV less than or equal to $20k can only borrow 60 per cent of the vehicle’s price (COE included), and must repay the loan in five years. If the car’s OMV is above $20k, a buyer can only borrow 50 per cent of the car’s price and must settle the loan within five years. Specifically, it’s the hefty down payment that is a big hurdle to many people. Buying a Toyota Vios, for example, requires one to fork out a $47.6k down payment. Acquiring a Camry 2.0 – which is listed at $167k at press time – would mean handing over $83.5k should you decide to purchase one. If you can’t afford to buy a car, we’ll demonstrate how you can still “own” one. Even if you could purchase a car outright, we’ll show you how leasing could potentially save you a good amount of cash. THE ADVANTAGES Apart from not having to hand over a big chunk of your savings as a down payment, most leasing contracts also stipulate that the leasing company will be responsible for expenses such as road tax, insurance and vehicle maintenance (see sidebar overleaf for potential “savings”). Some dealers even offer the use of a courtesy car while the leased vehicle is being serviced. Of course, the lessee remains responsible for ERP charges, parking fees and any fines incurred for the duration of the lease. The greatest advantage leasing holds is that since you don’t own the car, you don’t have to contend with depreciation and resale issues when changing vehicles. This is significant as, generally speaking, a new car loses 15 per cent of its value within the first year alone. If you’re planning to lease a new car, it is possible to choose specifics such as colour and standard equipment. But if you’re leasing a used vehicle, you’ll be limited to whatever the dealer in question currently has in stock. A new car is, of course, more expensive to lease than an older one. Most firms will also allow you to use your own registration number on the car you intend to lease (as long as you pay the necessary LTA transfer fee, of course). In contrast to owning a car, leasing also gives you the opportunity to change vehicles sooner, without having to worry about settling the outstanding loan for the car in question. According to Steven Ng, marketing manager at Motorway Group, a customer can negotiate to have an “upgrade clause” included in his contract. “But we will only allow a client to change cars within a reasonable amount of time. A customer cannot expect to be able to change cars every two months. But if it’s a four year contract and the client wants to upgrade after two years, we can negotiate and put that into the agreement.” THE CATCH However, when monthly payments on a car lease are compared to monthly payments on a hire-purchase loan, the former’s advantage doesn’t seem especially great. Local Suzuki agent Champion Motors, for example, is offering the Swift 1.4 GLX hatchback (manual gearbox) from $998 a month – subject to a minimum lease period of 36 months. But if you were to purchase said Swift model, the monthly repayment on a five year loan (at 2.6 per cent annual interest) would be $1,231. This is assuming a 40 per cent down payment against the car’s selling price of $108.9k at press time. When it comes to luxury models, however, leasing is a much more expensive option. Under Mercedes-Benz’s Star Lease programme, for example, the A200 Style hatchback costs $2,460 a month for a 60-month term. But if you were to purchase the vehicle, listed at $159,888 at press time, your monthly repayment would amount to $1,506 (assuming a 50 per cent down payment and a five-year loan). That’s $954 more to lease the same car per month, or an extra outlay of $57k after five years. And once the hire-purchase loan is fully paid, the car is “free” to be driven for the rest of its COE lifespan. Besides, if you’re planning to buy a new vehicle, you’ll have your Preferred Additional Registration Fee (PARF) rebate and the remaining COE paper value – provided the owner scraps the car before its tenth year – to put towards the next car. The PARF rebate is 50 per cent of the Additional Registration Fee (ARF) in the car’s tenth year. In contrast, when the leasing period is over, you’re left with nothing. As several industry veterans have pointed out, this is the other reason why many remain cool to the idea of leasing. PRE-OWNED LEASING If leasing a brand-new car is too expensive, you could consider leasing a used vehicle. Performance Premium Selection Limited (PPSL), a dealership that specialises in pre-owned BMWs. If you want more variety in terms of the makes and models available, you can check out multi-brand distributor Wearnes Automotive’s leasing programme, which offers all the models – both new and used units – from the seven marques (Volvo, Jaguar, Land Rover, Infiniti, Renault, McLaren and Bentley) under the Wearnes umbrella. Apart from these brands, the company also claims to be able to meet a customer’s request for any make/model that isn’t part of its portfolio. Unique to Wearnes, however, are the added services not offered by most firms. For instance, Wearnes’ “Full Service” leasing programme includes vehicle pickup/delivery for maintenance, personal accident insurance in addition to the comprehensive insurance coverage, and 24-hour roadside assistance that covers driving in Malaysia, too. The quality of the used vehicles available for lease varies by dealer. Motorway, for example, tries to ensure that its cars have good service histories no matter their age, but if your budget is lower, you’re more likely to end up with a high-mileage vehicle. Wearnes, on the other hand, tries to offer cars not more than five years old. Be aware, too, that some dealers place mileage caps on their cars. Wearnes, for instance, has an annual cap of 20,000km on its vehicles (whether new or used) and charges 50 cents per additional kilometre covered at the end of the lease, although a spokesperson did mention that clients can negotiate to have this clause waived. AN EMERGING TREND Although leasing isn’t popular among local motorists yet, more car dealers have joined the leasing game anyway. Porsche, MINI, Kia and Volkswagen are just a few of the authorised agents that have recently introduced leasing schemes. This is great news for drivers, as more options equal better chances of finding the programme that best suits their needs This article was written by Jeremy Chua, writer for Torque
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