Friday, May 6, 2011

Esprit styling workshop

Signup to Esprit's styling workshop and receive fashion tips from celebrity stylist Keing Png.

Date:    Saturday, 14 May 2011
Time: 2-3PM or 4-5PM
Location:    Esprit Liat Towers

To Register attendance, visit the following Esprit stores by 13 ay 2011.

  • Liat Towers
  • Wisma Atria (Isetan Level3)
  • 313@Somerset
  • Raffles City
  • Vivo City
  • Great World City
  • Parkway Parade
  • United Square

Registration fee of $20 per person, fully redeemable for a $20 Esprit voucher $ receive an attractive door gift.

Special for workshop attendees!
Enjoy 15% off 2 or more regular-priced items at Esprit Liat Towers on 14 May 2011.

Esprit styling workshop

Thursday, May 5, 2011

Minimum Occupation Period (MOP) required before selling HDB flat

A block of HDB flats in Queenstown

HDB flat owners can sell their flats in the open market to eligible buyers of their own choice at a mutually agreed resale price. The seller and buyer shall declare to HDB the true resale price of the flat. They shall not enter into any supplementary or other agreements or arrangements that may cause the true resale price as declared to be inflated or understated.

Important Note
Under the Housing & Development Act, the penalties for buyers and sellers who give false information to HDB is up to 6 months' imprisonment and/or a fine of up to $5,000.

Before selling your flat, you must ensure that you have met the eligibility criteria to do so, i.e. to have met the Minimum Occupation Period (MOP).

Minimum Occupation Period (MOP)

HDB flat owners must have physically occupied their flats for a period of time, referred to as Minimum Occupation Period (MOP), before they are eligible to sell it in the open market.

The period will depend on:

  • The purchase mode, and
  • The flat type

*If you have rented out your entire flat, the period of subletting will not be included in the computation of the MOP.

Flat type listed below and their required MOP*.

1-Room and HUDC Flat
- No occupation period for owners owning 1-room flat or HUDC flat.

Flats bought from HDB (direct-purchase flat), DBSS flat bought from developer and Resale Flat under CPF Housing Grant Scheme
- 5 years from effective date of purchase.

Flats bought under Selective En Bloc Redevelopment Scheme (SERS)

  • For SERS replacement flat purchased with portable SERS rehousing benefits
    - 5 years from the effective date of purchase of the replacement flat.
  • For SERS replacement flat not purchased with portable SERS rehousing benefits
    - 7 years from the date of selection of the replacement flat, provided they had taken possession of the replacement flat; or
    - 5 years from the effective date of purchase of the replacement flat.

The computation of the MOP excludes the period (if any) of non-occupation of the replacement flat, such as subletting of whole flat or any infringement of the flat lease.

Resale Flat bought in the open market (without CPF Housing Grant Scheme)

The minimum occupation period you need to meet depends on when we receive your resale application:

Resale Application Received Date
MOP applicable
Before 5 March 2010
(includes owners owning their resale flat as at this date)
  • 2½ years from effective date of resale if the owner takes a loan from HDB
  • 1 year from the effective date of resale if:
    i. the owner has not taken a loan from HDB; or
    ii. he has taken a loan from the bank/financial institution to finance the purchase
5 March 2010 - 29 August 2010
  • 3 years from effective date of resale, regardless of the type of loan taken by the owners or loan status
On or after 30 August 2010
  • 5 years from effective date of resale, regardless of the type of loan taken by the owners or loan status

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Wednesday, May 4, 2011

A take on Singapore “kiasu” culture according to Glenn Connley

Singapore Kiasu Culture

Glenn Connley has been a news junkie since he was 17, when he joined Australia's top-selling newspaper, Melbourne's Herald Sun, as a cadet reporter.

Working in Washington in 2003 he was first to tell Australians their nation was at war, following George W's "shock and awe" invasion of Baghdad ... and was one of the first reporters into Thailand after the devastating 2004 tsunami.

In 2006 he moved to Singapore to produce and present ESPN's flagship nightly news program, "SportsCenter". His first book, "How To Be Ferocious Like Fergie" will be released in early 2011.

It was an accident. I promise.

As I prepared to step from the train at Singapore’s biggest MRT station, the labyrinthine Dhoby Ghaut Interchange, the “Love Your Ride” jingle was still ringing in my ears.

It’s a brilliant campaign designed to educate Singapore’s commuters about how to best use the immaculate, efficient -- although usually freezing -- suburban transport system. It’s played on a loop in stations and onboard trains.

It’s impossible to avoid the charming ditty, which combines humorous Singlish with flawless English and Mandarin, cleverly reminding travelers about the importance of being courteous to fellow passengers.

“Hey you, over there, don’t cut queue, don’t you dare! Wait your turn to board the train. What’s the rush? There’s no rain.

“Before you go in, let them out. Before you sit, look about. Just got on? Move to the back. A happy journey starts like that.”

The "Love Your Ride" jingle... It's catchy but is it effective in promoting graciousness?

It’s a catchy campaign that cost a pretty penny to make.

What a waste of money.

In the real world, Singaporeans’ urge to win, to be first, to surpass others, is far too tempting to let something as trivial as a multi-million dollar national advertising campaign get in the way.

The phenomenon is known as kiasu, a Hokkien word which means, literally, “fear of losing.”

Evidence of kiasu is found across the country, nowhere more so than in the department stores during the Great Singapore Sale each July.

When I first saw the commotion over a heavily discounted table of goodies on display at Tangs on Orchard Road, I thought perhaps Angelina Jolie or U2 were making a guest appearance.

In fact, and this is no joke, it was shoppers fighting over cheap socks. Cheap socks! And a few pairs of sports shorts and T-shirts going for less than half price.

The snatching and screeching was a sight to behold; aunties with armfuls of items, many which would be discarded at the cashier, elbowing each other and squawking like chickens.

All to save a few lousy dollars.

Recently, I went to the new NEX shopping mall at Serangoon Central. Walking with a friend who was new to Singapore, we saw a bunch of squabbling men and women queued at the information counter.

“What’s going on?” asked my friend.

“Must be something free,” was my reaction. It was.

With the right coupon shoppers could collect an ugly red plastic logo of some description, worth maybe fifty cents.

Another good example is the much-loved Singaporean buffet. I have seen families filling containers with food to take home and eat later.

In a Lion City buffet, it’s every man for himself.

Say there are six prawns left on a plate and you’re second in line. Don’t for one minute expect anything to be left for you. The greedy person in front of you may pretend he doesn’t know you’re there but, trust me, you’ve just been kiasu-ed!

The pathological urge to be the first, regardless of the cost, has been examined by smarter minds than mine. A "National Courtesy Campaign" was launched in 1992 and, obviously, failed miserably.

The finger is often pointed at Singapore’s education system. In this tiny nation, with practically no natural resources, only academic success can ensure a prosperous future and children are under enormous pressure to beat their classmates to become number one.

There’s nothing wrong with striving for excellence. I know as well as anyone it’s a competitive world out there.

But in a country where public toilets offer step-by-step guides to wiping your backside and washing your hands, there seems to be little room for free thinking, common sense or common courtesy.

Which brings me back to my train ride.

As we pull into Dhoby Ghaut, a couple of hundred people are standing, neatly organized, behind those painted lines that mark where you wait for others to disembark.

But, as we slow, the passengers behind me start twitching to get ahead of the inevitable rush to be first off, practically pinning me to the door.

I can sense the chaos outside, as those who’d been patiently waiting leap over the guide markings in a desperate bid to be first on the train and claim a seat.

The doors open.

Propelled by someone’s umbrella pressing against my rear, I burst out. A child, maybe 12 years old, runs flush into my left elbow. His brother’s head hits my chest and goes down, the wind knocked out of him.

I am in no position to stop to see if either is all right.

Yes, I most certainly loved my ride -- there’s no better public transport system in the world -- but it ended with a couple of unnecessary bruises to kids whose parents should have taught them better.

The bruises will heal, but I can’t help but wonder as passengers rush in around them, have they learned a lesson? What about their parents?

Thankfully, Singapore is a peaceful place. Try this nonsense in Europe, America or Australia, you’ll get more than a brush across the noggin with an elbow… and it won’t be accidental.

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Tuesday, May 3, 2011

HDB/Flat Rental Scam–Police are appealing for information to assist with investigations into a series of flat rental scams

Police are looking for the man shown in the picture to assist with investigations into a series of flat rental scams reported at Blk 1 Lor Lew Lian #06-24.

From 31 Mar 2011 , at least 13 cases of flat rental scams have been reported at Blk 1 Lor Lew Lian #06-24. In all the cases, victims had responded to flat rental advertisements placed in the Chinese newspapers between 4 and 29 Mar 2011 . The suspect would arrange with victims to view the unit, and would collect money ($500 - $4800) from them as deposit for the rental of the unit. The victims were told to move into the unit between 3 and 7 Apr 2011. After collecting the money, the suspect would then become evasive and remain uncontactable.

Police believe that this man in the picture may be able to assist in investigations. His name is Chua Thiam Lye and the description of the man is as follows:

a) Gender : Male Chinese in his 40s
b) Height : About 1.7m tall
c) Hair : Short and black
d) Build : Plump
e) Other :

A mole below his lips

Anyone with information on this man is requested to call the Police Hotline at 1800-2550000. All information will be kept strictly confidential.

Crime Prevention Tips – Flat Rental Scam

a)
Seek service from an established estate agent;
b)
Conduct a check against the agent and the company before signing any agreement;
c)
Observe due diligence and carry out verifications of any documents relating to the property;
d)
Visit the flat you wish to rent and ensure that the person you are dealing with is the rightful flat owner. Request documentary proof of flat ownership that bears the flat owner’s name.
e)

Request the flat owner to show you a copy of the approval letter from HDB if you are renting the whole flat

f)
Be careful if asked for an advance payment and do not pay large sums in cash. As proof of payment, you should pay the rental deposit and rents by cheque; and
g)
Do a check with the company to ensure that the estate agent is indeed with the company. If in doubt, request to sign the documents and hand over the deposit at the office.

Monday, May 2, 2011

An invitation to play Bingo with FRIENDS

Map of Catanduanes showing the location of Virac


Bring your family and friends on May 14  2011 at 3:00 pm at 7107 Flavours!

Tickets are at  $35.00 which will include merienda and one BINGO card. You may have more BINGO cards at $5.00 apiece. Prizes galore and Lucky Draw!

Be our partners in this fundraising event by FRIENDS in collaboration with 7,107 Flavours to support more needy and deserving scholars in the Philippines.

What is FRIENDS?

Filipinos Reach-Out Initiatives to Educate Needy Deserving Students or FRIENDS is a non-profit organization which is the realization of our Pledge of Love, as envisioned by the late Sr. Mary Laetitiae. This Filipino group in Singapore aims to uplift the dignity of fellow Filipinos by providing needy and deserving students in the Philippines a decent education and the opportunity to realize their dreams and sustain themselves and families. FRIENDS have supported some scholars, and have helped with school needs of two elementary schools in Virac, Catanduanes.

 

Contact:

Manny Gumapon - +65 93880956
Marieta Foo - +65 96750166

Housing Development Board guidelines for renting out whole HDB flat/unit

This are the guidelines for subletting of flat but is also useful info for those who will be renting the HDB so that they can verify the legality of the flat.

In particular, information provided concerns:

  • Eligibility conditions : Flat owners
  • Flat owners' responsibilities
  • Eligibility conditions : Subtenants
  • Maximum subletting period
  • Costs involved in subletting
  • Apply for approval

Eligibility Conditions: Flat Owners

To sublet the entire flat, you need to satisfy the condition of a 3-year or 5-year Minimum Occupation Period (MOP).
You are allowed to sublet your whole flat if you have occupied your:

  • Non-subsidised flat (flat purchased from the open market without a CPF housing grant) for at least 3 years if your application for the purchase of the flat was received before 30 Aug 2010;
  • Non-subsidised flat (flat purchased from the open market without a CPF housing grant) for at least 5 years if your application for the purchase of the flat was received on or after 30 Aug 2010;
  • Subsidised flat (flat purchased directly from HDB or from the open market with a CPF housing grant) for at least 5 years

In case you do not meet the MOP condition for subletting, you may still sublet your whole flat only if it is under any one of the following special circumstances.

Living in quarters provided by employer
  • You/your spouse, your family members and authorized occupiers, are all staying in quarters provided by your employer.
Going overseas to work or study
  • You/your spouse are going overseas to work or study and the entire family will be going with you
OR
  • You are leaving behind family members who:
    • Cannot take care of themselves, and
    • Will be moving out of the flat
Living in commercial properties
  • You/your spouse are tenants, subtenants or owners of commercial property with living quarters
AND
  • You need to stay in that property, with your family members, to look after the business
Other circumstances
  • You are the sole owner and occupier of the flat and need medical care from relatives because of an illness
OR
  • You are the sole owner and occupier of the flat and have been hospitalised for more than 6 months
OR
  • The flat owners have passed away and left behind an orphaned minor child (under 21 years of age)
    • The guardian or public trustee of the minor child may sublet the whole flat

Flat Owners’ Responsibilities

As a flat owner subletting your flat, you will be responsible for:

  • Making sure the flat is sublet to eligible subtenants only
  • Making sure that there is no overcrowding and the number of subtenants does not exceed the maximum number allowed
  • Making sure that your subtenants have entered and are remaining in Singapore lawfully at all times (while the subletting is in force)
  • Making sure that your subtenants do not further sublet the flat to other persons
  • Making sure that your subtenants comply with all the covenants in the lease and the provisions of the Housing & Development Act and that you are responsible for all infringements, if any, committed by them
  • Informing the Comptroller of Property Tax of the subletting, and HDB of any changes in the subletting
  • Resuming occupation of your flat and ensuring your subtenants vacate the premises when:
    • The subletting is terminated, or
    • You are no longer eligible to sublet your flat
  • Surrendering the flat if the flat is repossessed by HDB

  • Eligiblity Conditions : Subtenants

    Citizenship

    Subtenants must be :

    • a. Singapore citizens; or
    • Singapore permanent residents; or
    • Non-citizens legally residing in Singapore [holders of Employment Passes, S Passes, Work Permits*, Student Passes, Dependant Passes, Professional Visit Passes, Long Term Social Visit Passes (6 months and above)].

    *Construction workers who are Work Permit holders should be Malaysians.

    Immigration status of non-citizen subtenants may be verified using the Immigration & Checkpoints Authority's VERIFI website.

    Maximum Number of Subtenants
    The maximum number of subtenants allowed in each flat is:

    Flat Type
    Total Number of Occupants
    1-room and 2-room
    4 persons
    3-room
    6 persons
    4-room and bigger
    9 persons

    Tenancy/Property Ownership Status

    • Subtenants must not be tenants/owners of other HDB flats except for :
      • Tenants/owners who are divorced/legally separated
        • Only one of the divorced/legally separated parties may be a subtenant
    • Owners who are eligible to sublet their whole HDB flat
      • They must sublet their own flat within 1 month after having rented a flat from another flat owner
      • They are not able to sublet their own flat after they move out of their flat as there are other occupiers remaining behind
  • Subtenants must not be owners of Executive Condominium units where the 5-year minimum occupation period has not been met.
  • Maximum Subletting Period
    - Three years per subletting approval.

    Costs Involved In Subletting

    • Administrative fee
      Flat owners have to pay an administrative fee of $20/- for each subletting application.
    • Renewal fee
      Flat owners must submit a new application and pay a fresh administrative fee to continue subletting the flat when existing subletting period expires. The new application will be subject to a reassessment of your eligibility to sublet your flat.

    Apply For Approval

    You must obtain HDB’s approval before you sublet your whole flat. You can submit the application online at My HDBPage. Alternatively, you can obtain the application form from any HDB Branch Office or download the application form and print it.

    If the lessee is overseas during the period of subletting, there must be a properly appointed Attorney to act for him in the management of the flat. A certified true copy of the Power of Attorney (POA), executed in HDB's prescribed form and which has been lodged with the High Court, must be furnished (Please consult your solicitor on the POA).

    Saturday, April 30, 2011

    Warehouse Sale up to 80% on Branded Fragrances and Cosmetics

    Branded Fragrances and Cosmetics will be on sale on the following dates:

    Date: May 4-6 2011
    Time: 10:30AM - 07:00PM
    Location: 6 Jalan Kilang, Dadlani Industrial House Singapore 159406

    • Versace
    • Moschino
    • Alessandro Dell’Acqua
    • Antonio Banderas
    • Armand Basi
    • Paul & Joe
    • Ferrari
    • Banana Republic
    • GAP
    • Mango
    • Guess
    • Givenchy
    • Charriol
    • Luciano Soprani
    • ST Dupont
    • Jessica Simpson
    • Paris Hilton
    • FCUK
    • Jaqs Fath
    • 4711
    • Beyonce
    • Liz Clairborne

    Singapore Warehouse Sale

    Cash, Nets, Visa and MasterCard are accepted.

    NOTE: Items sold are not exchangeable or returnable.