Has anyone tried out the NS Formulas? Any feedback?

Anna Ng:

today is my hubby on leave to train her. My hubby said she is slow and not smart (stupid lor), she needs lots of training and reminder. But i can see got a little (really a little) improvement. I worry \"stone\" is \"stone\" then headache lor!

When my hubby and i at home, my one year old boy will cling on us and refuse to let the maid carry him. However, my nanny and housemate told me that my son is ok with her, they can play together and let her carry. How your think? she got hope or not? don forget she already been here for 1 mth, should be able to catch up lots of things already. (still cannot cook well, housework ok). When i asked her what do she eat for lunch, then she think and think and said cannot remember. then my hubby said chicken rice lor, she seem like \"don believe\" she was having chicken rice for lunch, then she said she really cannot remember as she focus on her work and worry she cannot meet our expectation and transfer her again. I really don know whether i should be patient to her or hard to her, cannot find the balance point.

What nationality is your maid?

Heard that Panasonic is not bad. Can check it out.

The banks will determine your income liquidity which includes your income as well as loans i.e car loans to determine your loan quantum. Do inform the banks the estimated property amount you are purchasing and check the % loan you are eligible.

This is very interesting indeed. Lol.

In choosing a tuition centre, it is important that the class size relatively small to ensure all the students are kept engaged.

Investing in property requires some careful considerations. Just as there are good and bad stocks in the stock market, there are also good and bad properties in the property market at any one point in time. One must be able to identify which are the good properties for investment through careful studying of the project price/psf trend, surrounding developments, nearby projects prices, etc.

Hi Laurenwkids, in my opinion, Singapore high-end property prices (approx $3000+ psf) are still low as compared to Hong Kong property prices which are priced as high as $8000+ psf in severn road. With a strong economy coupled with stable government, property prices are unlikely to fall unless there is a major economic crisis around the world. While there are certain indication of debt woes in Europe and US, it appears to be stablising and in fact, there was a recent article that mentioned U.S. properties prices are expected to go up as their subprime mortgage issues are becoming more contained.


Within Singapore, different segments of the property market moves differently. Even 2 condos within a certain area/district can appreciate at different pace. This is how seasoned property investors/speculators look at the trend and buy under valued property and sell them later to earn astronomical profits. With the government coming in strongly against speculators, it is good news for genuine buyers as the market is more stablised. And by saying stablised, it means in a healthy economy, property prices will continue to go up (at a more manageable pace) instead of a huge surge in prices. That is just my humble opinion.

Hi Chloecube, being property agent is not easy especially with so many rules and regulations to keep up. Every industry has its pros and cons. While it is true that attrition rate is high for property agents, on the bright side, there are agents that can succeed in earning a decent income to provide for the family.


It might be a good idea to be CEA certified as you'll have more options in the future. You may even be able to help friends sell their houses as a P/T agent