Sic yr ppty portfolio!

[princess_morbucks]

noe here got many old bird, rich bird, king bird, fortune teller bird ... so how many ppty do u own?
Im an agry bird cos Im a MTB
oni purchased my 1st ppty tis yr.
hope to buy another one in the next 1 yr or 2.

How abt u?

Oh , so u have only one bird?
That's normal.
The majority have only one bird.

Btw yours is big or small bird?
And where is it ?
If it is in the vicinity of bird park, confirm will huat.

[mermaid]

Oh , so u have only one bird?
That's normal.
The majority have only one bird.

Btw yours is big or small bird?
And where is it ?
If it is in the vicinity of bird park, confirm will huat.

u 女孩子家 dun yr bird, my bird, big or small bird .. sounds very kinky to me leh hahaha
anyway, mine is a mm in rcr.
far fm bird park, but I believe in quite a fair bit of future growth cos there relatively undeveloped.
y u nvr sic yr portfolio de?

[princess_morbucks]

u 女孩子家 dun yr bird, my bird, big or small bird .. sounds very kinky to me leh hahaha
anyway, mine is a mm in rcr.
far fm bird park, but I believe in quite a fair bit of future growth cos there relatively undeveloped.
y u nvr sic yr portfolio de?

Aiyo, why you so serious?

Sic is simi?

Ok, bird doesn't go well with you, I use other animals.
I don't wanna blow cow, so I don't wanna talk about my portfolio.
You mermaid will always have boat, so no MTB nonsense.
Blackjack become bearjack.

[ecimbew]

Hi...it is possible to transfer property (HDB or private) to your wife/husband at valuation price (you can arrange for your own valuator to give whatever price you want). Next, transfer and transact as though your wife/yourself buying one. Then the "proceeds" (also additional amount loaned from your wife/yourself) is then transfer to your account.

So, how can it be not possible not to have the bank loan to you or your wife and vice versa?

Anyway, this was valid at the time I went through. I could not elaborate further then.

Wow! Yowetan is very clever. How come you not as handsome as BJ21?

[mermaid]

Wow! Yowetan is very clever. How come you not as handsome as BJ21?

ah huh! y muz a person de intelligence got to do wif the appearance?
likewise, dun earn a lot nid not necc means one cannot be investment savvy mah ...

Aiyo, why you so serious?

Sic is simi?

Ok, bird doesn't go well with you, I use other animals.
I don't wanna blow cow, so I don't wanna talk about my portfolio.
You mermaid will always have boat, so no MTB nonsense.
Blackjack become bearjack.

Im an innocent pure boiboi mah, I scare u will corupt me
I dun feel is blow cow wor, cos I can learn something fm yr portfolio.
Sic means sharing is caring

[ecimbew]

ah huh! y muz a person de intelligence got to do wif the appearance?
likewise, dun earn a lot nid not necc means one cannot be investment savvy

Hahahahaha you are too serious lah. Relax it's national day.

[taggy]

Sic means sharing is caring

now then I know what is sic
I live in hdb, got 1 pc, and 1 buc.

[mermaid]

Hahahahaha you are too serious lah. Relax it's national day.

din realise u r juz teasing him

[Autumnwinds]

Wow if counting inheritance I confirm trump yowetan! my own parents own a hdb, 1condo at redhill and 1 condo at Lakeside!

[yowetan]

Wow! Yowetan is very clever. How come you not as handsome as BJ21?

Hi...I look quite reasonable.

[mermaid]

Hi...I look quite reasonable.

ecimbew, yowe meant to tell u tat u r mistaken, he is actually quite handsome, hahaha ...

Wow if counting inheritance I confirm trump yowetan! my own parents own a hdb, 1condo at redhill and 1 condo at Lakeside!

wat makes u so positive tat u will sure to inherit all tbe assets fm yr parents?
n inheritance cannot be counted as personal achievement

[yowetan]

ecimbew, yowe meant to tell u tat u r mistaken, he is actually quite handsome, hahaha ...



wat makes u so positive tat u will sure to inherit all tbe assets fm yr parents?
n inheritance cannot be counted as personal achievement

Hi...I am not handsome neither. If yes, I would do bank sales.

I believe inheritance should be part of personal achievement for you need to plan, and persuade and convince the parents and in-laws.

Personally, I have got them to state in the will that in an event of unforeseen circumstance, their assets will go to me or my wife.

[mermaid]

Hi...I am not handsome neither. If yes, I would do bank sales.

I believe inheritance should be part of personal achievement for you need to plan, and persuade and convince the parents and in-laws.

Personally, I have got them to state in the will that in an event of unforeseen circumstance, their assets will go to me or my wife.

凡是靠自己 la, den will hv the 成就感.
If I wan more ppty, I will buy them when I hv save enuff $.
I dun nid my parents wealth to make me richer.
imagine how yr parents will feel if they noe tat u r gd to them cos u r eyeing on their assets?

[Autumnwinds]

wat makes u so positive tat u will sure to inherit all tbe assets fm yr parents?
n inheritance cannot be counted as personal achievement

I'm not positively sure. But I'm pretty sure. Inheritance is a bonus la. if have, then better for me. Not like I'd die without it.

[blackjack21trader]

凡是靠自己 la, den will hv the 成就感.
If I wan more ppty, I will buy them when I hv save enuff $.
I dun nid my parents wealth to make me richer.
imagine how yr parents will feel if they noe tat u r gd to them cos u r eyeing on their assets?

WOAHAAHAHAHAHAH

靠自己,慢三拍！

[CondoWE]

Hi...I am not handsome neither. If yes, I would do bank sales.

I believe inheritance should be part of personal achievement for you need to plan, and persuade and convince the parents and in-laws.

Personally, I have got them to state in the will that in an event of unforeseen circumstance, their assets will go to me or my wife.

I pity your brother in law.... !

[blackjack21trader]

I'm not positively sure. But I'm pretty sure. Inheritance is a bonus la. if have, then better for me. Not like I'd die without it.

I hope you will get your inheritance. That will help you enormously as compared to your peers

[mermaid]

WOAHAAHAHAHAHAH

靠自己,慢三拍！

agree, but Im not competing to be sg wealthiest person. I wanna maximise n put my assets to gd use so tat I can retire early n rich enuff to last me for the entire life. Really meaningless to hv a few mil yet carn finish spending them.

[edwinleeap]

agree, but Im not competing to be sg wealthiest person. I wanna maximise n put my assets to gd use so tat I can retire early n rich enuff to last me for the entire life. Really meaningless to hv a few mil yet carn finish spending them.

A few mil can be spent quite easily in this high inflation reality...

[puffer_fish]

This is the reason why, even after our passing. No one would have total control of our 6 properties, as all would be place under a trust fund for my 3 kids

[henryhk]

I have the following:

Public Housing
1. 5 room HDB Tiong Bahru (valuation 1mil) - My wife's name. (rent advertisment)
2. 5 room HDB Jurong East (valuation - 0.7 mil) - My parent's name. (renting @ 3.35k)
3. 5 room HDB Queenstown (valuation - 0.85 mil) - My in law's name. (renting @ 3.5k)

Private Housing
1. Mt Sinai 2 bedder (Valuation 1.8mil) - My name.

For all the properties, wat is your total loan?

[DKSG]

I hope you will get your inheritance. That will help you enormously as compared to your peers

Mentor, you mustnt confuse your kind of inheritence compared to yowetan.

Your inheritence is the type your parents use all their might and cannot finish spending so leave it to you all.

For yowetan, this is money which he is going to deprive his parents and in-laws spending so as to enrich him. For example, dont be shocked to know that he tied up all their finances and give them peanuts (real nutty ones not $600K type), so as to squeeze them dry and probable leave them to die and not spend additional medical money when the time comes.

For your information.

DKSG

[mygeemeel]

Our spore education taught yowe to splurge his family's money. It is very sad.

[yowetan]

For all the properties, wat is your total loan?

Hi...my parents and in-laws HDB are fully paid of.

So, we are left with Tiong Bahru HDB flat loan and the Mt Sinai loan, total of 2Mil SGD loan.

The upfront cash portion, my wife and myself took company "equivalent" cashline loan (to initiate) the upfront transfer from wife to me, and cash flow flows back to me, and I can still initiate this flow to proceed with my Mt Sinai 20% downpayment.

Our CPF is not totally exhuasted, so after I recover all of these money from my wife's purchase of remaining 50%, my CPF and cash portion and the cashline are able to withstand the shock.

The crux is I need to return the cashline by 36 months as it is staff loan policy.

[Adva181]

TDSR includes all loans such as cc n cl.
After u made the cl loan, ur 60% ratio should be even lower right?

And oh ya, cash line only 4x monthly salary = $3.5k x 4.
Even u staff n benefit of doubt give u 20x oso just 70k.

[walkthetiger]

Mentor, you mustnt confuse your kind of inheritence compared to yowetan.

Your inheritence is the type your parents use all their might and cannot finish spending so leave it to you all.

For yowetan, this is money which he is going to deprive his parents and in-laws spending so as to enrich him. For example, dont be shocked to know that he tied up all their finances and give them peanuts (real nutty ones not $600K type), so as to squeeze them dry and probable leave them to die and not spend additional medical money when the time comes.

For your information.

DKSG

Even if the in-law parents agree somehow, the fundamental principles of right conduct may seem like a concern.

[minority]

I have the following:

Public Housing
1. 5 room HDB Tiong Bahru (valuation 1mil) - My wife's name. (rent advertisment)
2. 5 room HDB Jurong East (valuation - 0.7 mil) - My parent's name. (renting @ 3.35k)
3. 5 room HDB Queenstown (valuation - 0.85 mil) - My in law's name. (renting @ 3.5k)

Private Housing
1. Mt Sinai 2 bedder (Valuation 1.8mil) - My name.

Other then the 2 1s. The other hdbs can hardly be considered urs.

[minority]

TDSR includes all loans such as cc n cl.
After u made the cl loan, ur 60% ratio should be even lower right?

And oh ya, cash line only 4x monthly salary = $3.5k x 4.
Even u staff n benefit of doubt give u 20x oso just 70k.

I belive this is talk cock . Unless I see the option of dont belive this bs

[Adva181]

I belive this is talk cock . Unless I see the option of dont belive this bs

At least we are entertained in this forum right?

[chiaberry]

How did Mermaid thread morph into Transformed Yowe thread?