Wednesday, April 30, 2014

Om Mani Padme Hum

Om Mani Padme Hum

- wong chee tat :)

Tuesday, April 29, 2014

Om Mani Padme Hum

Om Mani Padme Hum

- wong chee tat :)

Om Mani Padme Hum

Om Mani Padme Hum
Om Mani Padme Hum
Om Mani Padme Hum

- wong chee tat :)

Monday, April 28, 2014

Scheduled Maintenance - POSB

Scheduled Maintenance - POSB

ServiceScheduled Maintenance DateExpected DowntimeRemarks
iBanking13 Apr 20140200hrs to 0245hrsSystem Maintenance
Credit Card Application
-Upload documents 
13 Apr 20140055hrs to 0110hrs, 0355hrs to 0410hrsSystem Maintenance
-  MCSA Funds Transfer, and Portfolio Enquiry 
13 Apr 20140055hrs to 0110hrsSystem Maintenance
- Online Equity Trading
13 Apr 20140355hrs to 0410hrsSystem Maintenance
- Online Equity Trading
13 Apr 20141800hrs to 2359hrsSystem Maintenance
-FAST fund transfer to Sumitomo Mitsui Banking Corporation
19 Apr 20141000hrs to 2200hrsSystem Maintenance
- Online Equity Trading
20 Apr 20140100hrs to 0500hrs
System Maintenance
- Credit Card Payment New: Pay Other Banks' Visa and Mastercard bills New: Make Payment, Add Payee
- Send Money to an Overseas Visa Card (Visa Personal Payments) New: Send Money, Add Beneficiary
20 Apr 20140300hrs to 0600hrsSystem Maintenance
-D2Pay
26 Apr 20141000hrs to 0000hrsSystem Maintenance
- Online Equity Trading
26 Apr 20140700hrs to 0705hrsSystem Maintenance
- MCSA Funds Transfer, and Portfolio Enquiry
26 Apr 20140700hrs to 2359hrsSystem Maintenance
- Online Equity Trading
27 Apr 20140000hrs to 1200hrsSystem Maintenance
- Online Equity Trading
27 Apr 20140030hrs to 1000hrsCredit card application related services( New credit card application)
27 Apr 20140030hrs to 0300hrsRemittance STP( Funds transfer overseas, DBS India Remit, DBS Indonesia Remit)
27 Apr 20141506hrs to 1511hrsSystem Maintenance
- MCSA Funds Transfer, and Portfolio Enquiry
27 Apr 20140000hrs to 1931hrsSystem Maintenance
- Online Equity Trading
04 May 20140000hrs to 0600hrsSystem Maintenance
-FAST Transactions
Cards & unsecure Loan application forms / Vickers form--
-
mBanking07 Apr 20140100hrs to 0230hrs
System Maintenance
-FAST fund transfer to Far Eastern Bank
System Maintenance
-FAST fund transfer to United Overseas Bank
13 Apr 20141800hrs to 2359hrsSystem Maintenance
-FAST fund transfer to Sumitomo Mitsui Banking Corporation
04 May 20140000hrs to 0600hrsSystem Maintenance
-FAST Transactions
iB Application27 Apr 20140330hrs to 1000hrs
System Maintenance
iB - Trading Services19 Apr 20141000hrs to 2200hrs
System Maintenance
26 Apr 20141000hrs to 0000hrsSystem Maintenance
27 Apr 20140000hrs to 1200hrsSystem Maintenance
D2Pay--
-
Phone Banking--
-
NETS--
-
Passbook Update--
-
Automated Teller Machine (ATM)--
-
Cash Deposit Machine---
Coin Deposit Machine---
Cheque Deposit Machine---
POSB Print---
AXS D-Pay---
Token Registration--
-

- wong chee tat :)

Brisbane dad hired underage prostitute for son

Brisbane dad hired underage prostitute for son

A Brisbane father has been convicted of hiring an underage prostitute for his 13-year-old son on a family holiday to Thailand.

He is believed to be the first person charged under child sex tourism laws introduced in 2010 and aimed at stopping Australian pedophiles from exploiting foreign children.

The episode happened during a trip to the resort island of Koh Samui for a friend's wedding in September 2012, the Courier Mail.

The father, who cannot be named for legal reasons, got drunk at the buck's party and told his son he did not want him returning to Australia "without losing his virginity," the Brisbane District Court heard.

He then paid a prostitute, inspected the room to make sure there were condoms and waited downstairs while his son had sex.

He then told the boy not to tell his mother, who was holidaying with them in Koh Samui.

The mother did find out, however, and made a formal complaint to police after an "acrimonious" marriage split.

The father later pleaded guilty to procuring a child to engage in sex outside Australia.

Yesterday his defence barrister said his client realised his behaviour was wrong and a psychologist treating him for depression had concluded there was no risk of reoffending.

The father was sentenced to 12 months in jail but released on a $2000, two-year good behaviour bond.

Source: Courier Mail
Author: Erin Tennant, Approving editor: Matthew Henry


- wong chee tat :)











Upskirt cases going up

Upskirt cases going up

April 4, 2014 - 1:10am

By: Ronald Loh

TNP PHOTO: MOHD ISHAK

Upskirt video fanatics sometimes share their spoils on websites that attract contributors from Singapore, Japan and as far away as the US.

But many are not interested in just viewing the videos. The thrill is in the filming.

Such offences are on the rise, District Judge Christopher Goh said last month when sentencing a former systems technician who was caught filming an upskirt video.

Psychologists and addictions specialists say these perpetrators are not crazy, but do it as a way of coping with their problems.

- wong chee tat :)

Cool reception to condo launch

Cool reception to condo launch

April 26, 2014 - 12:31am

By: Linette Heng



QUIET: Potential buyers listening to a talk by a banker at the relatively quiet show-flat of newly launched condominium The Santorini in Tampines last weekend. TNP PHOTO: LINETTE HENG

Named after a famous Greek island, The Santorini condominium was launched late last month, to little fanfare.

The 597-unit condomium project in Tampines was the only major launch in March, but despite the low competition, sales at the 99-year-lease development were slow.

A total of 80 out of 200 units were sold, mostly one- and two-bedders, said a spokesman for The Santorini.

The average selling price was $1,100 psf.

Developers are having to become increasingly aggressive in pushing sales in a cooling property market.

Last Sunday afternoon, The Santorini held a seminar and carnival at the show-flat, inviting lawyers, bankers and PropNex chief executive Mohamed Ismail to provide advice to potential buyers.

But when The New Paper visited the show-flat at Tampines Avenue 10 at about 4pm, the place was only about half-filled and there were more property agents than potential buyers there.


- wong chee tat :)

Om Mani Padme Hum

Om Mani Padme Hum

- wong chee tat :)

Sunday, April 27, 2014

Om Mani Padme Hum

Om Mani Padme Hum

- wong chee tat :0

Saturday, April 26, 2014

Documents to Prepare for Application of HDB Loan Eligibility (HLE) Letter


Important note:
To enable us to process your HLE application, please submit the relevant documents listed below for all persons listed in the flat application. The HDB may also request for other documents to be submitted other than those listed below for purpose of credit assessment. The HLE application cannot be processed if the documents are incomplete.


1.For Employed (with monthly CPF contribution)*
As an applicant:
a)Latest 3 months’ payslips or Recent letter^ from employer certifying job designation, commencement date and salaries for the last 3 months; and
b)Latest 15 months' CPF contribution history.
If income includes allowance, 12 months’ income proof will be required.
As an occupier:
Latest 3 months’ payslips or Recent letter^ from employer certifying job designation, commencement date and salaries for the last 3 months.


2.For Employed (without monthly CPF contribution)*
As an applicant:
a)Latest 12 months' payslips or Recent letter^ from employer certifying job designation, commencement date and salaries for the last 12 months; and
b)Credit bureau report#; and
c)Latest 12 months’ bank statements/passbook.
As an occupier:
Latest 3 months’ payslips or Recent letter^ from employer certifying job designation, commencement date and salaries for the last 3 months.


3.For Self-Employed
As an applicant:
a)Valid Accounting & Corporate Regulatory Authority (ACRA) Computer Information (Business Profile)or Valid license of business / trade; and
b)Latest Notice of Assessment from IRAS or Certified Annual Statement of Accounts from an audit firm; and
c)Credit bureau report#; and
d)Latest 12 months’ bank statements/passbook
As an occupier:
a)Valid Accounting & Corporate Regulatory Authority (ACRA) Computer Information (Business Profile)or Valid license of business / trade; and
b)Latest Notice of Assessment from IRAS or Certified Annual Statement of Accounts from an audit firm.


4.For Commission-Based and Regular Part Time Worker
As an applicant:
a)Latest 12 months' commission statements/payslips or Recent letter^ from employer certifying job designation, commencement date and commissions/salaries for the last 12 months; and
b)Latest 15 months' CPF contribution history; and
c)Credit bureau report#; and
d)Latest 12 months’ bank statements/passbook
As an occupier:
Latest 12 months' commission statements/payslips or Recent letter^ from employer certifying job designation, commencement date and commissions/salaries for the last 12 months.


5.For Odd Job Worker
As an applicant:
a)Latest Notice of Assessment from IRAS or Recent letter^ from employer certifying job designation, commencement date and commissions / salaries for the last 12 months; and
b)Latest 15 months' CPF contribution history; and
c)Credit bureau report#; and
d)Latest 12 months’ bank statements/passbook
As an occupier:
Latest Notice of Assessment from IRAS or Recent letter^ from employer certifying job designation, commencement date and salaries for the last 12 months


6.For Pensioner
As an applicant:
a)Payslip/letter^ from previous employer stating the monthly pension received; and
b)Credit bureau report#; and
c)Latest 12 months’ bank statements/passbook
As an occupier:
Payslip/letter^ from previous employer stating the monthly pension received


7.For Unemployed between 18 to 62 years old
Unemployed applicant/occupier will need to submit a Statutory Declaration on unemployment status or a valid Student Pass, if they are currently a full-time student.

The Statutory Declaration can be executed at Loans Counter or any HDB Branches. Declarants are required to bring along their Identity Cards to execute the Statutory Declaration.

In addition, the following documents are required if applicant / occupier were unemployed for fewer than 3 months:
a)Income proof for the preceding month(s) from previous employer stating their gross monthly income and last day of service; and
b)Latest 15 months' CPF contributions history


8.For Applicant and Essential Occupier who have taken one HDB concessionary housing loan and are buying the next HDB flat after disposing the existing one
a)Completion statements (showing the breakdown of cash proceeds and CPF refund) for the disposal of the applicant's and his/her spouse/fiance/fiancee's last owned HDB flat (if they do not have a current flat); and
b)Divorce documents showing the division of matrimonial HDB flat (if the immediate past HDB flat was disposed of with / by ex-spouse)


9.Income / Allowance NOT considered for credit assessment
a)Rental Income;
b)Interest from fixed deposit / savings account;
c)Alimony allowance (divorce cases);
d)Bonuses;
e)Dividend income;
f)Director fees;
g)Overtime;
h)National Service allowance;
i)Claims / reimbursement / expenses;
j)Scholarship overseas allowance
k)Occupier’s Income


Note:
*Income tax returns are not acceptable for employed persons.

^For proof of income, note that all letters from employer must have company letterhead/stamp, name, signature and designation of certifying officer.

#A copy of the Credit Bureau report can be requested either on-line or at any of the SingPost branches, or directly at the Credit Bureau Office located at 72 Anson Road #11-03 Anson House. If you have requested to send your report directly to HDB, please submit a copy of the payment receipt for our verification.

If you are working overseas, please submit additional income proof such as employment pass, work permit, evidence of trade business, overseas income tax returns, where applicable. If the documents to be submitted are in languages other than English, Mandarin, Malay or Tamil, an official translation in English of these documents are required.
Last Updated on 16 Apr 2014



- wong chee tat :)