1. Phtthp

2. Laughingcat :rahrah:
3, Gtgt
4. MommyNg - Red (if have)
5. Jedamum - Red (if have)
6. Davischew
7. bubble dream
8. publica
9. Icyqueen36
10. chin99
11. qms
12. melodyrain2 (red, if any)
13. abc123 - Red (if have)
14. cool_hi (red if have)
15. coast - Red (if have)
16. Sweet Joy
17. Fantasylanddreams ( red, if possible)
18. cindycsm
19. barney (red, if possible)
20. mamamia359 (red if available, thanks)
21. almondjelly
22.Needtoupdate

thanks in advance

I read from a post by {IFA on duty} because the identity info can be misused such

that it is possible
1.Ah long could accept such info unknowingly and sent money to another account but the imposter use your stolen id
2. imposter use the info to surrender the insurance policy and take the cheque
3.use your info to sign TELCO contract and get Handphone with debt to original person

SO take precautions!

1best to avoid pet owners eg possible bugs in your flooring when they leave

2 do run name check for" tenants from hell": eg the chinese lady who had a wild aggressive teen son probably now in NS and fierce daughter -they didnt pay rent long time
3 Avoid tenants who want to shift in "The next day" -they ?may have been evicted for ? non payment
4 Expect more kitchen grease from the ethnic group that uses more ingredients.
This ethnic group tend to argue over T And C incessantly
5 Smokers cause damage and litter
6 Better tenant -those with helper

i use http://ja-travel.com/ Local travel agent

charge $10/per pax for singaporean submission when i submit for 4 pax
one business day reply
they did not charge for amendment when i key wrong country of birth

THE INCREMENTAL adb is with reference to the acct adb in month prior to participation in the promo

which means first time applicant gets to enjoy the high interest for 3 months. then best to quit and close acct
becos next 3 month cycle only the increment amount gets the higher interest, the initial first 3 months average amount gets only basic interest.

you jus need 100k to qualify for Advance status( can get 1.7%for 3 months) or 200k for Premier (1.8%)

After getting final top-up interest bonus, approx day 24 of 4th month ,can close account but pay $50 for earlier acct closure than 6 months otherwise pay $50 monthly maintenace for fall below 100k/200k charge fee

Cimb has 6 months Fd 1.5 to 1.55%

Stanchart e- saver 1.5 month promo 1.5% to 1.7% (have to maintain min 1k through out)

Besides https://www.bondsupermart.com/main/home

any other website for reference?

How do we find out the liquidity of the bond or how do we find out the top volume of the traded bonds?
Any advice on which bank/finance vendor to use for low tranactions fees?

MY friend told me Hsbc has a step up bonus promotion Starting May 3 2016

You need to deposit at least $200K to open hsbcPremier acct and
it is a 1.8% p.a. on next 90 days of adb of at least 200k comparing with 0 dollar in april account as a reference month
However after 90 days, the normal 0.1% interest rate will apply.
To game the system ,can consider pay $ 50 early termination fee to end the Premier account Early AS you need to hold the account for six months to avoid paying the $ 50
So it works out to 1.7% for 200k for 3 months if you pay penalty $50 and close account after 3 months

there is a potential additional 0.7% to be earned fon the 1st 100k of the 200k if you used the debit card and spend more $500 retail per month

She also said some of the hsbc phone CSO are not familiar with the above scheme and for such important matters ask for their full name and time and date as have encountered before other bank Cso with fake name