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HDB’s Policy That Made Me Loss More Than $20,000

Untitled-4A local Singaporean netizen has submitted a story regarding his unfortunate loss of confidence and trust in the govt.

The Story

Few years ago, Mr Lim and his wife bought a 5 room flat at bedok area a new BTO which cost him around $480,000. Mr lim was young and was offered a young couple scheme only 5% deposit is required(regular is 10%). He took up a grant of $20,000 from the HDB scheme and was able to purchase the flat by topping up with his current CPF account which wipe his CPF ordinary account to zero.

No Installment

Sadly, he divorced even before he was able to get the flat. HDB’s verdict was that his $20,000+ deposit has been forfeited and HDB is wants Mr Lim to pay back a separate amount of $20,000(GRANT MONEY) in CASH. Mr Lim wanted to get an installment to repay HDB.

HDB’s respond is they do not allow installment and he have to pay the $20,000 in full cash!

WHO THE HELL HAVE THIS KIND OF MONEY?!

WTF? Mr lim has already lost $20,000 over in grants and personal CPF savings and now he has to pay back the grant in full cash. This is extremely unfair! The HDB did not lose anything as he already paid and the amount has been forfeited. So now HDB is earning an extra $20,000 from Mr Lim.

No one can help him not even the MP

Mr Lim was furious and went down to Toa Payoh HDB board and ask if the amount can be waived. Sadly HDB said no. Mr Lim had no choice but to visit the MP at that time it was Khaw Boon Wan for sembawang area. He did not get a chance to see Mr KHaw. Another attendant wrote down Mr Lim’s story and said that he will try his best to get the HDB to waive the amount.

After waiting for a month HDB send a letter to Mr Lim’s home “sorry HDB is unable to waive the amount…” and expect the $20,000 to be paid in full cash or HDB will start collecting interest. Mr Lim only can suck thumb.

In Mr Lim’s case, he will not be able to buy HDB in the future till he pay up the $20,000. Example, if Mr Lim only earns $2000 a month. Monthly CPF will be $720. He thinks that in the future he can save up his CPF account and pay up the debt. Guess what? HE CAN’T PAY THE DEBT USING HIS CPF. ONLY IN CASH AND FULL AMOUNT NO INSTALLMENT.

Mr Lim ” F HDB KN*, you give me 20k, take back 40k from me.”

Mr Lim will have to save up the amount to return CPF that was deposited into his account and deducted to pay for the house, which the amount has been forfeited, even if he is able to save up $1000 a month it will take about 2 years.

Meaning for at least 2 years he will be working for nothing.

CPF problems

In this situation, Mr Lim cant use his CPF to resolve his problem. CPF getting lock up till retirement is a problem. I see no wrong in Mr Lim using his CPF money to pay a CPF related debt. But we can’t touch or use it, the CPF account is ours yet not ours. Technically, THE MONEY CANNOT SOLVE HOUSING ISSUE. CPF money is a govt scheme for Singaporeans to enjoy affordable homes. But what can Mr Lim do? He can’t pay his debt? = can’t buy flat from HDB. The money in CPF can’t use. Meaning CPF ordinary account will be entirely useless for Mr Lim.

Verdict

Don’t use the HDB housing grant unless you’re sure you will live happily ever after with your spouse. But in life there is nothing that is “sure” and “100%”. You have been warned! Nothing is free in Singapore! Remb PayAndPay.

Live Murder Caught On CCTV, Watch till the end…

Watch till the end, don’t be scare. Trust me it’s worth it.

Mothers are buying vibrators for daughter

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A mother wants to buy 2 vibrators for her 2 daughters in the near future. One of them is 8, while the other is ONLY 1 years old.

Who is this mother? 

Her name is Stephanie Land, currently a 37 mother of two. Working as a writer in Montana. Her idea of buying vibrators for her daughters is her plan to let her daughters feel less tempted to sex as the daughters will learn what is masturbation. She feels that the daughters will understand pleasure instead of looking for a ding dong.

Why?

Stephanie explained this decision was because of her experience as of someone that has face domestic violence when she was only 17 years old and she became addicted to SEX and did not know how to pleasure herself. Her idea is hoping that her daughters will get it off without a Ding Dong.

She also believe that girls should not just start by learning about having sex with guys, but they must learn how to let themselves have some fun first.

Not only just vibrators, she has another plan in mind. She will give the girls magazines and books about the woman’s magical part and let them learn techniques of masturbation and how to achieve it.

Her idea is to let her daughters achieve orgasim feelings before needing to think that the boy’s ding dong could be tempting or attracting. Letting her girls feel orgasim will counter this issue.

She hope that her daughters will learn to make decisions before answering to a guy’s request for sex, she wants her daughters to only say “YES” after they know what is good sex and proper sexual satisfaction before engaging in sexual activities.

Authors View

For me i feel that this might be a double edge sword. If it goes the wrong way she could be introducing the sexual world to her daughter in a premature state. “oh it feels this way with vibrator! i want to try it with a guy” POOF “mom, im pregnant”

What do you guys think? Tell us in the comments below

Becareful Of Fake Singapore Govt Websites

One of the websites is fake the other is real, can you identify before you become a victim?

12923187_10153554443732934_4499130162605139990_nIn recent events, there is a high amount of phishing websites and emails circulating around the internet.

This website’s have targeted audience to steal credentials such as banks,email and even Singpass. The amount of people that are not IT savvy and fall victim into phony websites like this are on the rise.

What is Phishing?

Fake websites or email that try to imitate just like the real one’s and cheat users into logging in personal information.

Phishing Website and emails

Recently there is an email travelling around the corporate world of Singapore where the user target Google users. The email will be send by one person to another, the cycle does not stop.

Schools and Singapore government should educate people about the latest tricks, hacker use to steal your information. But most people are just careless and want to login to a website without even looking at it.

Tampines 1 Is Insensitive To Malays

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A woman wanted to rent space for Hari Raya, but was rejected due to her background. An email replied by Tampines 1 employees mentioned that they are only renting to Chinese.

“Hi Dee, We are not so keen to run a malay road show as our target audience are mainly chinese. Thus,we regret to inform you that we are unable to rent a space to you”

The woman was furious and reported Tampines 1 to the police.

Ms Diana’s posted her unfortunate situation on Facebook and it got viral.

pix1

Tampines 1 has responded by apologizing to Ms Diana on Facebook. The staff that send the email is being insensitive by responding to Ms Diana, the staff deserve to be sacked!

Singapore Navy Ships No Space For Halal Kitchen

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Republic_of_Singapore_Navy_mine_countermeasures_vessels_RSS_Katong_M107_and_RSS_Bedok_M105_at_Changi_Naval_Base_Singapore_-_20070527In recent events that the Singapore Navy has address that the issue of having a Halal Kitchen on the ship is difficult due to space constraints.

Local muslims feel that this is biased and unfair towards the local muslim community. Although the navy are trying to accommodate they do not promise that there will be kitchens can be all halal.

Singapore army feels that this operation of the ship comes first. Are they saying that respect for the local Muslims come 2nd?

 

SAF is trying to accommodate as far as possible for various religions. Personally, i’m not a muslim. But, This is bullshit. It sounds as though there is no respect for our local Muslims. It seems that they are trying hard to fit all requirements for each religions but it does not seem to be enough. In the statement of “try to provide muslim kitchen but not all” sounds like those ships with no Halal kitchen no need eat la? Our malay brothers have to starve?

Come on!

I No Money To Support Wife, I sell wife go geylang rent a wife

d_1Sarcasm?

People with wife with financial difficulties may be offered a temporary wife and reduction or deferment of their mortgage instalments to help with their financial situation.

Minister of State for National Development Koh Koh Crunchie told Parliament on Wednesday that the HappyDivorceBoard has various assistance measures to help such families.

These include financial counselling and referrals to social support agencies for job placements and financial aid.

Dr Koh Koh Crunch was responded that who had asked what kind of mortgage assistance HappyDivorceBoard provides to the retrenched, particularly those in their late 40s and 50s.

Right-sizing to a smaller wife within their means is also an option, he added.

“For low income households who are unable to afford another wife, have no family support and no other wife options, HappyDivorceBoard may offer them a public rental wife at geylang”

When asked if HappyDivorceBoard would consider providing financial help to flat owners who have already taken loans from banks, Dr Koh Koh Crunchie said the Divorce Board is not a bank and is unable to offer personal loans.

But he added that HappyDivorceBoard can assist wife owners in restructuring their finances.

 

Singapore Minister “No Money Sell Your HDB, Go Rent”

Dr-Koh-Poh-Koon-02Singapore Uncensored BTH (bua ta han, cannot take it) liao. What is no money sell your HDB go rent? Congratulations to the people that vote for you know who, This is the kind of people you vote for.

This minister also mention that HDB is not a bank cannot help with personal finance issues. Personal ah? like that the HDB is considered personal also la? i happy i sell the HDB to foreigner? I don’t need wait 5 years to sell la? Since when is the HDB personal? it has always been partly owned by the government, this is a issued shared between the people and the government. HDB is suppose to be a provider for cheap homes,This is too heartless.

What does he mean by they are not a bank? You think we stupid ah? cannot differentiate between a bank and HDB?

A place to stay is a necessity, no wonder Singaporeans have no sense of belonging. How can we trust the government if they can be so heartless? So what if this is a fact that the poor must sell, a politician will only lose support for making this kind of harsh speech.

You might be thinking.. Singapore Uncensored talking c**k la. But, put yourself into the situation where you have to sell your home and rent somewhere? You think you know poor? You have internet to read article means you’re not poor. YOU DON’T KNOW POOR…. OR,  Maybe he does not know how it feels to have commoner’s salary. Oh you work govt ah? salary big big, house big big, car big big la. Come on la. Arbo we sell our HDB and go stay with you in your minister condo? You sleep floor i sleep with your wife la? can anot?

If this his solution for the poor? Should he be the minister? This does not sound like a very responsible statement to make. This is a super Bo Chap attitude. Do we even see the attempt to help or plan to help the poor? The best part of his statement is ” HDB MAY offer them a public rental”. MAY??? Then i no place stay how? I go your house sh*t can anot?

Crazy PRC Shouting Middle Of Night Refusing To Leave Taxi

Untitled-3The cabby had recorded the episode to show confirmation of harm to his vehicle.

“Don’t at any rate kick my auto, I let you know,” the cabby said in Mandarin, to which the lady denies doing as such.

“Come over, come over! I need to go home! I need to go home!” the lady shouts as loud as possible more than once.

The cabby strolls a little closer to her trying to get to his auto, yet gets kicked by her.

“Try not to touch me!” she yells.

A bystander asks the cabby what happened, who clarifies that she was with a companion, yet the companion had left as of now, leaving the crazed lady with the cabby. He had brought the couple from Jalan Sultan.

He had attempted to ask her where she needed to go, yet she didn’t give her street number.

“She’s inebriated as of now, I ask where’s her location she didn’t let me know how would I bring her home?” he says.

While he clarifies, the lady keeps on shouting at the uncle, instructing him to “go kick the bucket”.

“The companion flee as of now, he likewise frightened [of] her,” he includes.

She hollers, “F**k your mom” and called the cabby “improper” on numerous events.

The lady approaches different occupants remaining around and says, “You see? I didn’t do anything affirm.”

To which the uncle answers, “What is your location? Where do you stay?” However, she doesn’t answer particularly and says “close-by”.

“Try not to tail me,” says the cabby.

“Why not? You are the vehicle proprietor,” she says and stimulates her stride towards him.

“You never at any point give me your location!” the cab driver emphasizes while she tails him.

“On the off chance that I get you I will sue you,” she countered.

The cabby advises her to search for her companion, whom he had recently dropped off, yet she reacts by asking, “You need to pass on? F**k your mom.” She then hits his taxi.

He steps back yet she keeps charging at him in a scary way, letting him know, “come la!”

The police land at the scene. The onlooker breaks into a run and tries to evade her. She then charges at everybody who was at the scene, shouting exclamations.

The act appears to at last reach an end as officers attempt to get the story from both sides.

Singapore Boss Not Paying You? REPORT AND HE WILL BE ARRESTED IMMEDIATELY

singapore-166544Employers who don’t pay their laborers face harder activity from today.

A position of safety change to the Employment Act kicks in today, giving Manpower Ministry (MOM) authorities the ability to capture errant managers on the spot.

This is on top of higher fines that the service can give out to these businesses, even without hauling them to court.

The most extreme fine that does not include court procedures has hopped to $5,000 from $1,000.

To flag that it implies business, the service is sending its staff for expert preparing on the utilization of binds and police twirly doos.

The MOM drew nearer forthcoming coaches a week ago to draw up a preparation system to empower its officers to be “satisfactorily outfitted with the information and expertise in executing a capture”.

The preparation will incorporate “techniques including the utilization of binds or flex-sleeves, execution of hunts on the blamed and the escort for a charged individual”, said the service to mentors in a letter got by approaching them to propose the expenses for their preparation administrations.

The officers will likewise be taught how to secure themselves in the event that somebody opposes capture. They are required to breeze through both composed and pragmatic tests in the following three months.

Whenever reached, the MOM said the harder punishments and expanded forces for its officers will “encourage the authorization” of the upgraded laws.

“Examining officers will be satisfactorily prepared to authorize the Employment Act in an expert way,” said a representative.

The harder activities against errant firms are among a few far reaching changes to the Employment Act producing results today.

The month to month compensation roof under the work law has been raised from $2,000 to $2,500, which puts 150,000 more general population specialists under its assurance.

A further 300,000 experts, chiefs and officials procuring up to $4,500 a month are presently ensured against unjustifiable release and will have the capacity to claim wiped out leave advantages. Preceding the progressions, these specialists did not have these rights.

Firms will likewise need to pay additional time to non-manual specialists acquiring up to $2,500 a month, in spite of the fact that the month to month compensation used to ascertain their extra time pay is topped at $2,250 to hold work costs down.

Indeed, even as the new standards on extra minutes pay kicks in, a worldwide overview by enrollment firm Hays has found that one in three businesses says their staff are timing up all the more additional time work.

Two in five say those additional hours are unpaid.

Feeds reviewed 2,600 managers in Asia in the report, discharged yesterday. It was not clear what number of were Singapore-based.

A few firms were astounded when told that employers can now be captured by MOM for not paying specialists.

Mr Kurt Wee, president of the Association of Small and Medium Enterprises, said that the utilization of such powers ought to just be constrained to the minority of errant firms which “conspicuously dismiss the law”.

“Most little and medium undertakings are honest,” he included.