Residents' Committee

Ape moved to a new place not too long ago. Ape joined the Residents' Committee (RC) there as an observer... for the time being. For those of you who wish to know a little bit about RC, a good start is to google or go here.

Before anyone jumps to any conclusion, ape's joining the RC is rather impromptu. It started with wifey enquiring about the lift upgrading program around the flat where ape stays and the possibility of elderly, disabled or pram friendly walkways from the MRT station ape's flat. Wifey was eventually connected to the CC and as sort of btw thingy, was invited to join the RC. Invitation was extended to spouse of wifey - that is ape :p

Ape was reluctant at first and still is. Reason being ape is not sure exactly how much commitment one has to put in. However, ape reasoned that one will never know until one starts participating actively, right? Furthermore, RC is run by volunteers which means there is really no obligations for the members to participate in each and every activity. So that resolve the first hesitation ape had.

The next worry is, how objective or nonpartisan is the RC? So far, after attending a couple of meetings and activities, ape has yet to see any die hard fans of the ruling party (or die hard fans of the opposition party for that matter). That's good. This is important because one of the functions of the RC is to liase with and make recommendations to the governmental authorities on the needs and aspirations of the residents. So regardless of who seats in the ministry, RC has to work closely with them.

So far the experience with RC is not particularly exciting but then again, it's too early to tell as ape is not only very new to this particular RC, ape is very new in this estate. As mentioned before, ape is still an observer so ape shall continue to observe :=)

What is ape's objective in joining RC then? The reason is simple. Life is not simply about work work and more work. Ape wanted to get involved in some activities that allows ape to has more "visuals" about what is really going on around ape. What better way than to start getting involved with matters that surround the place where ape stays?

Ape Supports AWARE

Ape Supports AWARE... and ape don't mean the bogus new EXCO. In ape's previous post, ape has already made known and urge any readers here to support AWARE by signing the online petition here.

What are ape's reasons besides those stated in the petition?

1) The removal of the old guards was clearly a deliberate and pre-planned coup, orchestrated by a certain Dr Thio... who self-proclaimed to be "feminist mentor". Ape has heard of Braema Mathi but who is this self professed Dr Thio Su Mien?

This tells ape the new EXCO (and supporters) lacks humility.

2) The new EXCO allege that AWARE had strayed into promoting homosexuality and intend to set AWARE back on its correct path. If this is true, why can't they address this concern in an open debate? Instead, they went in stealthily and staged a coup.

This tells ape the new EXCO is capable of dodgy actions.

3) All the sub-committee heads, include internationally known Braema Mathi who heads CEDAW were removed from their positions without reasons ... and a simple thank you.

This tells ape the new EXCO is disrespectful and lacks decency.

4) The locks were changed, effectively keeping out the old guards from saving their documents. The centre's manager was fired for "not following instructions" with no further elaboration when the manager had wanted the new EXCO to explain their actions to the old guards.

This tells ape the new EXCO is unreasonable and will force its way through.

Ape suppose the above four reasons is more than enough for ape not to support them. What has the old guards done, anyway, that wins ape's support?

The old guards have maintained their position and objectives clearly and soundly. They embraces diversity in race, religion, culture and sexuality. To ape, the key word is embracing diversity which apes finds is particularly important in this multiracial, multireligion and multicultural society. Embracing diversity is also one of ape's beliefs. So if you do share the same belief as ape, please lend your support by going here and here.

(If you noticed, ape has not mentioned anything about religion other than the last paragraph. The reason is simple. This AWARE saga has nothing to do with religion. It's about our ability to mature as a society in whole and truly progress as a great nation. This is also the reason why ape got involved in this misunderstood "38 38 women thingy")

Buying a (HDB) Property

Ape sold his HDB flat a couple of months back... when property market was still good. Nope, ape did not make any profit - ape only managed to break even. How much ape (and wifey) took out from CPF to furnish the loan (including interests), how much ape (and wifey) returned back to our CPF. It's like saying ape has lived in a HDB flat for close to decade... for free :=)

For those of you who are considering purchasing a HDB flat, ape has no advice for you since ape is no property guru. However, the following was what went through ape's mind when he embarked on the journey of "owning" a property. (BTW, one doesn't really own a HDB flat since it's only good for a maximum of 99-years lease, that is, if you live long enough, the flat will be returned to HDB and you won't get a single cent in return)

What For?
The first thing that got into ape's mind was the objective of purchasing a property. What was ape buying a property for? To speculate and earn money or what they call "investment"? To live nearer to ape's workplace/parents/mistress (oops)? Or simply wanted a place to stay and able to declare "Welcome to OUR humble abode"? Well, it's all a bit of the above (and perhaps more for others) but ape set priorities and put "A place to stay and call our own" at the top.

Listing these objectives is important because they would eventually shape the choices and availability of the property ape were looking for. Therefore, with the priorities set, certain options such as "renting a property" or "staying in parents place" were ruled out.

HDB or Private?
First off, private property was (and still is) out of the question. Ape's income simply could not afford one. So ape turn to HDB. Ape didn't think further than affordability then. However, ever since, ape hears a lot of advice to make HDB your first property, even if you could afford private property. One of the reasons is that, should you ever wish/need to switch from private to HDB, it will be very difficult and it's not about affordability. Ape will leave that to the experts to explain.

Direct or Resale?
But then hor, should ape buy direct from HDB (supposedly subsidised?) or from the open market? Since ape was a first time buyer, ape can still enjoy a certain amount of grant ($40K then for a 4 room HDB flat) which more or less made the differences between direct and resale flats close to neglible - as far as $$$ is concerned. Eventually ape chosed buying resale for the following reasons:-

1) New flats were developing in places too far from parents (hey! ape still want to visit parents regularly hor!)

2) New flats were developing at areas not close to MRT (hey! ape no peanuts for private transport hor!)

3) Ape has to wait for a couple of years before the new flats are complete (hey! ape was getting married hor!)

To put it another way is that there's more flexibility in getting a resale flat instead of purchasing direct from HDB.

Where and Affordability?
So ape zoomed in on our requirement, that fulfilled our needs and start checking out the prices of resale flats in areas (near parents and/or MRT stations) to get a feel of "market rate". Next, of course is affordability. With our paychecks, we can afford a 5-rm or EC HDB flat but we decided against it. For the following reasons:-

1) The floor area for 5 room is big...which means we'll have to sweep more often, mop more often, pay higher Service and Conservancy Charges. BTW, Town Councils' Sinking Funds investments were not known and rebates base on flat type was also not popular then. So when all those news came out, ape said "Heng ah! Lucky I never buy 5 room flat!"

2) Whatever that went into our CPF would be utilised to service the housing loan... for the next 30 years! What? Did someone say "But your money just sit in the CPF cannot use for other purposes?"

But ape thinks simply, mah!

Firstly, can anyone guarantee that ape will keep his job for the next 30 years? On top of that, his income will at worse remain stagnant and will never decrease? Last time ape checked, no one gave such guarantee.

So how much can the ape afford? We estimated on this basis:- the monthly installment to furnish the housing loan should preferably be around 50% of our monthly CPF Ordinary Account (OA) contributions and not more than 75%. You'll need to do a bit of reverse engineering to establish what should be the purchase price of the flat. Other things ape had to consider was exactly how much loan would ape be taking? The loan cannot be more than 90% of the purchase price and cannot include any Cash-Above-Valuation (COV). On top of that, your initial CPF would be wiped clean first. (Ape will probably explain this in more details in the next post... but then again, ape thinks you shouldn't be lazy...so go HDB to find out the latest updates)

Why did we pick this figure of 50% of our CPF OA? Since no one can gaurantee that we could keep our jobs for the next 30 years, ape had to prepare for the worst - that is in case ape or wifey or both of us had been out of job! Let's say if ape was out of job the very fist month when he start furnishing his loan... where can he find the money? Not forgetting CPF already wiped clean. From his own savings, right? Then who's going to pay for S&CC, utilities, bread and butter? However, since ape applied the "50% rule" and if the ape was able to hold out for say 3 months before losing his job, he would be able to furnish the housing loan for another 3 months, right? The longer the ape keep his job, the longer he'll hold out if he loose his job. Boleh? In fact, if ape could afford it, he would not even want to stretch his loan for 30 years... the longer you loan, the more interest you pay!

So far,we're still on housing loan. We had to consider the cash sum, too. Thnigs that cannot be paid by our CPF, including Cash-Above-Valuation, property agent fees (if you're getting one), renovations and furniture. All these have to be worked out before one actually commit to purchasing the property.

So after working out our objectives, setting our priorities and calculated our affordability, the rest was a breeze - find a place that we like, give and take a bit base on priorities and make an offer within our affordability. Seller not impressed? Move on and find the next.

We got our first home within 3 months...I think. Had been staying there happily since. So why sell now? Well... objectives changed (or perhaps not) but priorities certainly changed but ape will tell you more next time.

Terrorist On The Run

Just doing my part for the safety of Singapore. This man was placed under preventive detention at the Whitley Detention Centre for involvement in a number of terrorists plots against Singapore. He had escaped on Wednesday 27 Feb 2008. If you see him, please call the police immediately.

Added on 8 March 2008

It's been more than a week and seems like there's not a single trace of this man's whereabouts other than the lead provided by the petrol kiosk workers on the day his man escape. Is he still hiding in Singapore? Or has he left the country? Is he working with accomplice(s) or still hiding alone. There's still a lot of questions left unanswered. The first and foremost is "How did he escape?" We've been told that he escaped while he went to toilet break when his family came to visit him... hardly a satisfactory answer. Wasn't he escorted? Shouldn't the toilet/building/compound be secured? Well, I hope MHA can release the details... eventually, whether he is caught or not.

Next perplexing issue is that why is the information released to the public 4 hours later? On the previous case of the NSF who smuggled a rifle with live rounds out of the army camp, public was also made aware much later. The reason cited then was that they do not want to alarm the NSF, forcing him to panic and go on a shooting spree... or hide. That sounds reasonable, at least to me. But what about this case? Supposedly, he did not pose an immediate threat since he's not armed... and he will definitely go into hiding... much better than the NSF. Afterall, he's been trained overseas making him somewhat a "foreign-trained-talent". Will the public panic? I don't think so since the public did not panic when news of the NSK with a dangerous weapon came out. In fact, I think most Singaporeans are too complacent to panic. If they had alerted the public earlier, perhaps the petrol kiosk workers would have informed the police much earlier and maybe he could have been caught on that very night. Anyway, its just my wild speculations.

What made me perturbed is that the information to assist the public to identify this man is released in piecemeal. We have his face in the papers and news on that day. We were told he walks with a limp on the left leg the next day. Later, we were informed that his limp is not observable unless he is running or walking fast. And a couple of days later, the public was informed of the clothes he is likely to be wearing when he escaped... information that is no longer useful or relevant since after so many day, he could have changed or even left the country.

One other very puzzling thing is that Dr Teo Ho Pin, Law and Home Affairs Government Parliamentary Committee Chairman, posed questions to Mr Wong Kan Seng, Home Affairs Minister, in parliament about this security lapse (see link) !?!?! Pardon my ignorance, isn't the Law and Home Affairs Government Parliamentary Committee equally accountable or are they just an independent audit committee? Is there too much focus in creating too many committees that we have over-sighted on the REAL issues?

Of all the statements that came out from the politicians so far, I feel it is still these from MM Lee that make sense. Trust this old man to be rationale, precise and to the point... whether you like what he said or not.

I can only hope and do what little part I can to ensure that Mas Selamat is caught before any harm is done. Mas Selamat is not a threat just to Singapore. He is an allege terrorist. He is threat to the world.