Any MTB in Punggol?
- Thread starter crystalwhite
- Start date
petite_chose
Active Member
got to cook my chix rice now... talk again tmr....
eunice_sng71
Active Member
Funny : I let u know again on swimming cos my hb intention is let Elbib and Elvis learn from his brother who is cert. swimming and Gym instructor. but he got no time la.
Petite / Lileen : lucky my maid still knows stems can be eaten.
Petite / Lileen : lucky my maid still knows stems can be eaten.
smurf_ling
Active Member
mtdt
it's a matter of "who pays?"... in their homecountry. i bet they eat the stems, yellow leaves etc.. but in sg.. since vegesssssss are freeeeeeeeeeeeeeeee for them, of coz they cook and select only the nicest greens
it's a matter of "who pays?"... in their homecountry. i bet they eat the stems, yellow leaves etc.. but in sg.. since vegesssssss are freeeeeeeeeeeeeeeee for them, of coz they cook and select only the nicest greens
eunice_sng71
Active Member
Lileen, I let u know later cos boss ask me to do things. Likely bus cos Elbib like to take bus unless late ;p
eunice_sng71
Active Member
trial lesson is possible for 4 kids and above.
Lynn : or u want to take over my slot. Hb nag.
Lynn : or u want to take over my slot. Hb nag.
petite_chose
Active Member
more stories on my maid:
Happen a few dazs ago:
I got a maid since 2mths+ aridi. But this maid is so blur and trying to act smart.
I always tell her 'smart abit but don't be too smart'...
Last few days, I very stern and told her to find the biscuit that was kept in the fridge. Told her that she has no sense of urgences in keeping the items, you nod wat: she started crying...
(But every nite, she hurry pack, clean up the kitchen so she can sleep early)
2 days later, I told her do nt take kindness for weakness, she got scare, like as if she going to loss her job!
1 morning, I use another tatic. She left a stool near my door. She forgot to keep. So I turn round and asked her is there a care taker sitting there. Bitchy hor!
At nite, my big boy wanted somemore milk. So I asked her to fix. She came back with a small bottle for my bb to drink. I told her is for big boy. she asked me wat to do with this milk....
Then I asked her did you wash the bottle b4 fixing another round of milk? (Cos my boy drink the 1st round and she bring it to the kitchen for washing) she answer NO. COs there is milk inside and she has nt wash. Juz throw away the milk and make another round.
The I asked her is the lid covered the teats or expose, she don't understand. So I told her throw away the milk and wash b4 making the milk again.
Eunice, you end up like me, HB nag.... so cfm you want the face mask for kids? me going to buy...
Happen a few dazs ago:
I got a maid since 2mths+ aridi. But this maid is so blur and trying to act smart.
I always tell her 'smart abit but don't be too smart'...
Last few days, I very stern and told her to find the biscuit that was kept in the fridge. Told her that she has no sense of urgences in keeping the items, you nod wat: she started crying...
(But every nite, she hurry pack, clean up the kitchen so she can sleep early)
2 days later, I told her do nt take kindness for weakness, she got scare, like as if she going to loss her job!
1 morning, I use another tatic. She left a stool near my door. She forgot to keep. So I turn round and asked her is there a care taker sitting there. Bitchy hor!
At nite, my big boy wanted somemore milk. So I asked her to fix. She came back with a small bottle for my bb to drink. I told her is for big boy. she asked me wat to do with this milk....
Then I asked her did you wash the bottle b4 fixing another round of milk? (Cos my boy drink the 1st round and she bring it to the kitchen for washing) she answer NO. COs there is milk inside and she has nt wash. Juz throw away the milk and make another round.
The I asked her is the lid covered the teats or expose, she don't understand. So I told her throw away the milk and wash b4 making the milk again.
Eunice, you end up like me, HB nag.... so cfm you want the face mask for kids? me going to buy...
eunice_sng71
Active Member
Petite : kekeke...I post after you show me the link and I replied I dun liao. I thought it's DIY toy mask. So sorry.
PM188 : OTC how?
PM188 : OTC how?
Eunice: I yet to let hb knows abt this trial cos no slot...
let me go test test sekali he oso nag
IS the trial tml? timing again
Mtdt: Any comments...
http://www.seimpi-music.com.sg/musicmind.html
let me go test test sekali he oso nag
IS the trial tml? timing again
Mtdt: Any comments...
http://www.seimpi-music.com.sg/musicmind.html
eunice_sng71
Active Member
Lileen, maybe we take cab go cos Ros sms me the address liao. Dun koe how to go
Lynn : kekeke... i tink she dun mind if additional 1 student bah. let me know soon.
2molo 10.30am
Lynn : kekeke... i tink she dun mind if additional 1 student bah. let me know soon.
2molo 10.30am
eunice_sng71
Active Member
Our thread, anyone keen to donate to this girl?
[email protected]
[email protected]
eunice_sng71
Active Member
kekeke... I dun stay near Meetoh. I stay near TPE. Meetoh actually quite far from me although walking distance
I stay near TPE. Meetoh actually quite far from me although walking distance
eunice_sng71
Active Member
MTDT is nearer. I can't check now boss in and visitor. I will come in ltr to see conclusion.
Ros no : 97873538
Ros no : 97873538
eunice_sng71
Active Member
PM188: sure. Me din do yet. btw she needs it by this mth.
Meetoh is buddhist school?
Meetoh is buddhist school?
hey ladies,
want to ask u all something re the calculation of home loan...
eg: if we loan $xxx from HDB and the i/r is 2.6% per annum.. so the total amt to return to HDB should be $xxx x 2.6% = $yyy, right? and to calculate the monthly instalment, it should be $yyy/(no. of yrs for repayment x 12mths).
is my calculation correct?
want to ask u all something re the calculation of home loan...
eg: if we loan $xxx from HDB and the i/r is 2.6% per annum.. so the total amt to return to HDB should be $xxx x 2.6% = $yyy, right? and to calculate the monthly instalment, it should be $yyy/(no. of yrs for repayment x 12mths).
is my calculation correct?
chloemummy
Member
hi all,
have been a slient reader to this thread saw u "talking" abt Ros school house, just want to let u know ros place can reach there by bus no 3 from punggol drop ops her blk, chloe have been with her for abt 1 yrs. she enjoy her class.
mummies who are worry abt h1n1 just to let u know ros do take temp for all parent and kids and the kids are require to santise their hand b4 going in. As mention by ros she will be opening a branch in punggol plaza jan 10 but its for certain level only hope it helps
have been a slient reader to this thread saw u "talking" abt Ros school house, just want to let u know ros place can reach there by bus no 3 from punggol drop ops her blk, chloe have been with her for abt 1 yrs. she enjoy her class.
mummies who are worry abt h1n1 just to let u know ros do take temp for all parent and kids and the kids are require to santise their hand b4 going in. As mention by ros she will be opening a branch in punggol plaza jan 10 but its for certain level only hope it helps
eunice_sng71
Active Member
ok. loan i tink yr calculation is correct. but if HDB decide to drop / up the rate, the total amt to pay is different but mth installment can remain same.
If your CPF got extra $$, can go there and 1 time off the loan so tat total is lesser. You can downgrade number of yrs too.
kekeke... this is wat i did
If your CPF got extra $$, can go there and 1 time off the loan so tat total is lesser. You can downgrade number of yrs too.
kekeke... this is wat i did
eunice_sng71
Active Member
oh thanks Chloemummy, If Ros lesson is interesting, I may sign up when she at PP next yr
So Lileen and Lynn, take bus since direct?
So Lileen and Lynn, take bus since direct?
eunice_sng71
Active Member
when you go HDB can you check wat's the rate this yr?
I forgot to go there and pay a lump sum again, else the house is totally mine liao. I now left 1 yr i tink so.
huh? rate is fixed for HDB @ 2.6% mah. can check online
https://services2.hdb.gov.sg/webapp/BF02SPINS2/BF02PSPINSLogin.jsp?ctxroot=webapp/FI10PPORTAL
i've not visited HDB website for ages since i bought the house my fren recently told me can view all the loan details from this link.
https://services2.hdb.gov.sg/webapp/BF02SPINS2/BF02PSPINSLogin.jsp?ctxroot=webapp/FI10PPORTAL
i've not visited HDB website for ages since i bought the house
my fren recently told me can view all the loan details from this link.eunice,
hey, i think my calculation is wrong leh... coz i jus checked:
if based on my monthly instalment x the loan period = $yyy. then i take $yyy - loan amount = interest paid.. and the interest i pay for is so huge. hence i think the calculation is wrong.
anyone has a better idea how to calculate? i'm v bad at this.. hehehe
hey, i think my calculation is wrong leh... coz i jus checked:
if based on my monthly instalment x the loan period = $yyy. then i take $yyy - loan amount = interest paid.. and the interest i pay for is so huge. hence i think the calculation is wrong.
anyone has a better idea how to calculate?
i'm v bad at this.. hehehe
eunice_sng71
Active Member
kekeke... i'll take the bus outside Cove LRT
eunice_sng71
Active Member
kekeke... call hdb instead?
no need to call liao.. i've found the way to calculate liao.. basically.. my conclusion is this - the interests we pay to HDB/ pte banks is sooo huge.. the amt can be as high as the amount we loan... come to think abt it, really not worth to buy a house leh coz we r paying so much for i/r
eg if loan $100k fr HDB @ 2.6% for 20yr loan period, the amt of i/r paid is $28,349.13. that's almost a third of the loan amt.
if loan fr pte bank @ abt 3%, the i/r is $33,103.42.
nw i tink.. best is save until we hv tat much cash and pay it once off.. then can save alot on i/r... (but of course.. hw to hv so much cash in the 1st plc)..
eg if loan $100k fr HDB @ 2.6% for 20yr loan period, the amt of i/r paid is $28,349.13. that's almost a third of the loan amt.
if loan fr pte bank @ abt 3%, the i/r is $33,103.42.
nw i tink.. best is save until we hv tat much cash and pay it once off.. then can save alot on i/r... (but of course.. hw to hv so much cash in the 1st plc)..
cool_daughter
New Member
pm
all along, i thot it's :-
Interest = loan amt x 2.6% x # of yrs you loan (like 30yrs)
Than interest + principle (loan amt) = total we need to pay to HDB (X)
so mthly instalment is X divided by # of yrs divide by 12 (mths)
which means, if u pay lump sum, it will reduce the interest u r paying
dats my interpretation only .. dunno it's correct anot.
all along, i thot it's :-
Interest = loan amt x 2.6% x # of yrs you loan (like 30yrs)
Than interest + principle (loan amt) = total we need to pay to HDB (X)
so mthly instalment is X divided by # of yrs divide by 12 (mths)
which means, if u pay lump sum, it will reduce the interest u r paying
dats my interpretation only .. dunno it's correct anot.