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icetomato Elite	18-Apr-2011 16:00        icetomato About Contact  Quote this Post!
x 0   x 0  Alert Admin	No lah ... I don't have any sembmar.. anyway it's up a little now again!! eplepl      ( Date: 18-Apr-2011 15:56) Posted: not everyone gets the juicy peak like u..... icetomato      ( Date: 18-Apr-2011 15:51) Posted: hey.. we  said pray for drop then you still buy... hm
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eplepl Master	18-Apr-2011 15:56        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	not everyone gets the juicy peak like u..... icetomato      ( Date: 18-Apr-2011 15:51) Posted: hey.. we  said pray for drop then you still buy... hmm Gaecia      ( Date: 18-Apr-2011 15:34) Posted: ya man,  following HSI. sheet, even my 5.81 is on the line now.  *_
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icetomato Elite	18-Apr-2011 15:51        icetomato About Contact  Quote this Post!
x 0   x 0  Alert Admin	hey.. we  said pray for drop then you still buy... hmm Gaecia      ( Date: 18-Apr-2011 15:34) Posted: ya man,  following HSI. sheet, even my 5.81 is on the line now.  *_* rotijai      ( Date: 18-Apr-2011 15:20) Posted: suddenly everything drops like crazy..
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eplepl Master	18-Apr-2011 15:44        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	if u listen to me..... maybe uob or ocbc short can be more attractive .......   Gaecia      ( Date: 18-Apr-2011 15:34) Posted: ya man,  following HSI. sheet, even my 5.81 is on the line now.  *_* rotijai      ( Date: 18-Apr-2011 15:20) Posted: suddenly everything drops like crazy..
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eplepl Master	18-Apr-2011 15:40        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	thanks, no so old yet  but minimum sum do apply for me. property can offset 50 % of the sum...... but not always good to use it as guide.....  and special account, I did not touch it is counted as part of min sum and ordinary account...... which you can use it to buy property. artng25      ( Date: 18-Apr-2011 15:32) Posted: eplepl, there are implications if you are near 55 years old. A certain amount of your CPF funds will be converted into your retirement account. if buying you have to consider this point On the other hand many sold their properties at 55 or after and realized the minimum amount had to be 'locked in' reducing their amount of 'take home cash' BullishTempo      ( Date: 18-Apr-2011 15:21) Posted: From what I understand, HDB will always take what you have in your CPF first and then give you a loan for the remaining amount that you need. But I am not an expert in this area, best to call HDB and check with them directly.
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eplepl Master	18-Apr-2011 15:35        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	return of equity from selling off property....   now some cpf money is idle in the account..... so thinking to full redemption or let it roll on interest income... 2.5 % vs 1.75 % sibor BullishTempo      ( Date: 18-Apr-2011 15:21) Posted: From what I understand, HDB will always take what you have in your CPF first and then give you a loan for the remaining amount that you need. But I am not an expert in this area, best to call HDB and check with them directly.  eplepl      ( Date: 18-Apr-2011 15:18) Posted: i have a small question.... which ask those bank loan experts and they are giving diff answers. say for hdb bank loan of 100K - sibor interest rate 1.75% or lower.... changes from time to time... and your cpf and you got sufficient or more than 100K...... do you perform a full redemption or u keep the 100 K in cpf as passive income.... given cpf is paying 2.5 % interest rate
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Gaecia Elite	18-Apr-2011 15:34        Gaecia About Contact  Quote this Post! Style: Combined   Mood:
x 0   x 0  Alert Admin	ya man,  following HSI. sheet, even my 5.81 is on the line now.  *_* rotijai      ( Date: 18-Apr-2011 15:20) Posted: suddenly everything drops like crazy..
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artng25 Senior	18-Apr-2011 15:32        artng25 About Contact  Quote this Post!
x 0   x 0  Alert Admin	eplepl, there are implications if you are near 55 years old. A certain amount of your CPF funds will be converted into your retirement account. if buying you have to consider this point On the other hand many sold their properties at 55 or after and realized the minimum amount had to be 'locked in' reducing their amount of 'take home cash' BullishTempo      ( Date: 18-Apr-2011 15:21) Posted: From what I understand, HDB will always take what you have in your CPF first and then give you a loan for the remaining amount that you need. But I am not an expert in this area, best to call HDB and check with them directly.  eplepl      ( Date: 18-Apr-2011 15:18) Posted: i have a small question.... which ask those bank loan experts and they are giving diff answers. say for hdb bank loan of 100K - sibor interest rate 1.75% or lower.... changes from time to time... and your cpf and you got sufficient or more than 100K...... do you perform a full redemption or u keep the 100 K in cpf as passive income.... given cpf is paying 2.5 % interest rate
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BullishTempo Supreme	18-Apr-2011 15:21        BullishTempo About Contact  Quote this Post!
x 0   x 0  Alert Admin	From what I understand, HDB will always take what you have in your CPF first and then give you a loan for the remaining amount that you need. But I am not an expert in this area, best to call HDB and check with them directly.  eplepl      ( Date: 18-Apr-2011 15:18) Posted: i have a small question.... which ask those bank loan experts and they are giving diff answers. say for hdb bank loan of 100K - sibor interest rate 1.75% or lower.... changes from time to time... and your cpf and you got sufficient or more than 100K...... do you perform a full redemption or u keep the 100 K in cpf as passive income.... given cpf is paying 2.5 % interest rate ? BullishTempo      ( Date: 18-Apr-2011 14:42) Posted: So you bought another condo or HDB? Just look at commercialguru.com.sg if you are hunting for commercial properties
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rotijai Supreme	18-Apr-2011 15:20        rotijai About Contact  Quote this Post!
x 0   x 0  Alert Admin	suddenly everything drops like crazy..
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eplepl Master	18-Apr-2011 15:20        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	XD date is 19 April 2011.   so will it goes down further ? BullishTempo      ( Date: 18-Apr-2011 15:14) Posted: Check the XD date for OCBC. I don't keep track of OCBC so I don't know. Tomorrow give out dividends does not mean the XD date is tomorrow. The XD date could be today or last week, better check.  eplepl      ( Date: 18-Apr-2011 15:09) Posted: just a question,   like ocbc tomorrow giving out dividend.... today it seems to drop alot.... after the dividend pay out will it drop further
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eplepl Master	18-Apr-2011 15:18        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	i have a small question.... which ask those bank loan experts and they are giving diff answers. say for hdb bank loan of 100K - sibor interest rate 1.75% or lower.... changes from time to time... and your cpf and you got sufficient or more than 100K...... do you perform a full redemption or u keep the 100 K in cpf as passive income.... given cpf is paying 2.5 % interest rate ? BullishTempo      ( Date: 18-Apr-2011 14:42) Posted: So you bought another condo or HDB? Just look at commercialguru.com.sg if you are hunting for commercial properties  eplepl      ( Date: 18-Apr-2011 14:37) Posted: brother BT, Life is good, thanks for the blessing and introduction to CFD....... sold my condo.... now explore if commerical property can generate some income or not...
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BullishTempo Supreme	18-Apr-2011 15:14        BullishTempo About Contact  Quote this Post!
x 0   x 0  Alert Admin	Check the XD date for OCBC. I don't keep track of OCBC so I don't know. Tomorrow give out dividends does not mean the XD date is tomorrow. The XD date could be today or last week, better check.  eplepl      ( Date: 18-Apr-2011 15:09) Posted: just a question,   like ocbc tomorrow giving out dividend.... today it seems to drop alot.... after the dividend pay out will it drop further ? BullishTempo      ( Date: 18-Apr-2011 14:55) Posted: Should be 30%. Use only 30% of your capital with CFDs. Keep the other 70% free.
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eplepl Master	18-Apr-2011 15:09        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	just a question,   like ocbc tomorrow giving out dividend.... today it seems to drop alot.... after the dividend pay out will it drop further ? BullishTempo      ( Date: 18-Apr-2011 14:55) Posted: Should be 30%. Use only 30% of your capital with CFDs. Keep the other 70% free.  eplepl      ( Date: 18-Apr-2011 14:52) Posted: no not buying anything yet..... price is not raising but I am..... waiting for prices to drop.... browse when i am free.   Greece and europe is a good choice.....euro is cheaper now.....   CFD charges interest rate.... but capital upfront is small but need to apply your principle of 50% ----in case anything happened suddenly.
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eplepl Master	18-Apr-2011 15:08        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	saving account, because saving account cannot earn much interest income. eplepl      ( Date: 18-Apr-2011 14:55) Posted: if 150K just pay from cash account. BullishTempo      ( Date: 18-Apr-2011 14:50) Posted: No CPF, but bank loans are allowed up to 70% or 80
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BullishTempo Supreme	18-Apr-2011 14:55        BullishTempo About Contact  Quote this Post!
x 0   x 0  Alert Admin	Should be 30%. Use only 30% of your capital with CFDs. Keep the other 70% free.  eplepl      ( Date: 18-Apr-2011 14:52) Posted: no not buying anything yet..... price is not raising but I am..... waiting for prices to drop.... browse when i am free.   Greece and europe is a good choice.....euro is cheaper now.....   CFD charges interest rate.... but capital upfront is small but need to apply your principle of 50% ----in case anything happened suddenly.   BullishTempo      ( Date: 18-Apr-2011 14:42) Posted: So you bought another condo or HDB? Just look at commercialguru.com.sg if you are hunting for commercial properties
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eplepl Master	18-Apr-2011 14:55        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	if 150K just pay from cash account. BullishTempo      ( Date: 18-Apr-2011 14:50) Posted: No CPF, but bank loans are allowed up to 70% or 80% artng25      ( Date: 18-Apr-2011 14:48) Posted: I think you can't use CPF for commercial property and there are GST charge
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eplepl Master	18-Apr-2011 14:52        eplepl About Contact  Quote this Post!
x 0   x 0  Alert Admin	no not buying anything yet..... price is not raising but I am..... waiting for prices to drop.... browse when i am free.   Greece and europe is a good choice.....euro is cheaper now.....   CFD charges interest rate.... but capital upfront is small but need to apply your principle of 50% ----in case anything happened suddenly.   BullishTempo      ( Date: 18-Apr-2011 14:42) Posted: So you bought another condo or HDB? Just look at commercialguru.com.sg if you are hunting for commercial properties  eplepl      ( Date: 18-Apr-2011 14:37) Posted: brother BT, Life is good, thanks for the blessing and introduction to CFD....... sold my condo.... now explore if commerical property can generate some income or not...
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BullishTempo Supreme	18-Apr-2011 14:50        BullishTempo About Contact  Quote this Post!
x 0   x 0  Alert Admin	No CPF, but bank loans are allowed up to 70% or 80% artng25      ( Date: 18-Apr-2011 14:48) Posted: I think you can't use CPF for commercial property and there are GST charges BullishTempo      ( Date: 18-Apr-2011 14:42) Posted: So you bought another condo or HDB? Just look at commercialguru.com.sg if you are hunting for commercial properties
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artng25 Senior	18-Apr-2011 14:48        artng25 About Contact  Quote this Post!
x 0   x 0  Alert Admin	I think you can't use CPF for commercial property and there are GST charges BullishTempo      ( Date: 18-Apr-2011 14:42) Posted: So you bought another condo or HDB? Just look at commercialguru.com.sg if you are hunting for commercial properties  eplepl      ( Date: 18-Apr-2011 14:37) Posted: brother BT, Life is good, thanks for the blessing and introduction to CFD....... sold my condo.... now explore if commerical property can generate some income or not...
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