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This Year No Need to Pay Income and Property Tax

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After the Parenthood Tax Rebate this year no need to pay any income tax. Then my house is 2-room which we stay so also no need to pay property tax. I guess the only way I'm contributing to nation is via the GST.
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Cough One Month Finally Getting Better

During my last holiday , my daughter passed her illness to me then I end up coughing for more than 3 weeks. I tried robitussin red, woods all no use, keep coughing all the time. They only gave very short relief but after a while the cough come back. So recently I tried the Huiji Herbalmint Cough Syrup now I feel so much better. Last time the robitussin works but now not effective anymore. I think if kena cough, good to buy different types of cough syrup, if one don't work try another one.
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Apply BTO Before MOP

I have colleague, family and even some comments from this blog suggesting a possibility of applying for Build-To-Order (BTO) flat before fulfilling the Minimum Occupation Period (MOP) of 5 years, but based on what I interpreted from the HDB website some time back this doesn't seem to be the case, but I don't think so many people are suggesting it for no reason, so I decided to drop HDB an email to clarify. The following is their response: " Eligibility to buy an HDB flat Dear Sir   Thank you for your email of 19 May 2018. 2  You may wish to know that if you are living in the current resale flat bought on the open market (without CPF Housing Grant) you can submit a flat application for a project which has a Delivery Possession Date (DPD) on or after the 5 year Minimum Occupation Period (MOP) for your resale flat. For example, if the MOP for your resale flat ends in Mar 2022, you can apply for flat with a DPD on or after Mar 2022. 3  However, if your current resale flat boug
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My HDB Flat Left with 48 Years Lease

Recently I read an online article about the lease of older HDB flats, the current minister for national development Mr. Lawrence Wong mentioned the following: He said the oldest Housing Board flat today is around 50 years , and that the majority have more than 60 years remaining on their leases. He stressed that lease extension is not an immediate issue and "we still have time to do this work". Then I decided to check the remaining lease on my HDB flat, the lease started in 1967, so 2018 - 1967 is 51 years old, ok this number is around what he mentioned, then 99 - 51 is 48 years remaining, this second number is quite far from what he mentioned. So if he can get the first number so close, how come second number so far apart? I don't know man, 60 - 48 is like 12 years, maybe he didn't think 12 is a very big number, but when one factor in the 99 years lease, 12 is actually 12.12% of 99, so it's not a very small number to neglect. Anyway obviously resale price
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Next Year Must Use Cash to Service Housing Loan

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Just received this letter today, it says that after Mar 2019 I have to use cash to pay for my housing loan. This is one bad thing about buying house with less than 60 years lease but still ok la since the monthly payment is $721 so not that bad. Good thing is less money come out from CPF, why it is good is because CPF interest is the best and guaranteed, there is no other place you can realistically get what CPF is paying out. Anyway just nice next year May my current flat will meet the MOP so I can apply for a new one, still thinking apply where, BTO or balance flat, thinking of getting a big one, location sucks never mind, I see places like CCK 5-room so cheap so quite tempting. In SG really no such thing as location good or bad, it's so small that getting anywhere is not far at all plus delivery services are so convenient nowadays you can just order anything online, even groceries also can send to home.
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Long-Term Visit Pass - Plus (LTVP-PLUS)

http://www.ica.gov.sg/news_details.aspx?nid=12665 Good news for those of us who cannot get PR for our beloved spouse, because the Singapore government has come up with a enhanced long-term visit pass called LTVP-PLUS or LTVP+. I'll sum up the key points in the FAQ provided by ICA so you don't have to go through one big page. Do let me know if I missed out anything or correction is required by dropping a comment. GENERAL LTVP+ will be in effect from 01 Apr 2012. LTVP+ holders will enjoy extended duration of residency, public healthcare subsidies and easier access to employment. No separate application required for LTVP+; an application for LTVP will automatically include your spouse for LTVP+, if eligible. LTVP applications submitted from 01 Feb 2012 will automatically be considered for LTVP+. The first approved LTVP+ will grant 3 years residency and subsequent renewal will be 5 years. Current holders of LTVP will be considered for LTVP+ on next renewal. If holde
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How to Marry a Thai in Singapore

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You should refer to here -  https://www.rom.gov.sg/reg_info/rom_marriage.asp Please spend some time to go through and understand the information on that section (legal provision, other information, filing of notice, solemnization and etc), if your still not sure, feel free to drop a comment here or you can use their FAQ . The ROM website did a really good job of putting together the information that you need in a well-organized manner. I've done it once and I think the guide is very easy to follow. The only hiccup I've had with my marriage is during the  Appointment for verification & Statutory Declaration where both of us were required to read out a wall of text and my wife had difficulty getting past the first few lines and the counter guy got fed up and told my wife to stop. Definitely my oversight as I didn't arrange for an interpreter beforehand but luckily, there was a licensed interpreter at the scene and we managed to get her to do the interpretation fo
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Commission Calculator for DBS Vickers SG Stocks

Made this little tool to help me calculate the costs of buying or selling a stock, just enter number of shares and price and it will show both buy and sell costs at the same time. Can even choose by cash upfront, online or phone and it will calculate using respective rates. Cash Upfront ONLINE By Phone Shares: Price: Value: Commission: Clearing Fee:
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