McAfee DAT version = 8357 (nov 22nd 2016)

McAfee DAT version = 8357 (nov 22nd 2016)

Link: here ( Select Yes. And it keeps getting updated daily. Region=US)

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The Grand Prayer that Blesses and Benefits All Sentient Beings

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November 2016 BTO Prices

November 2016 BTO Prices
Town	Contract	Flat Type	Selling Price (Excluding Grants **)	Selling Price (Including Grants ^)
Non-Mature Town
Punggol	Matilda Sundeck Northshore Trio Waterway Sunrise I	2-room Flexi *	From $80,000	From $4,000+
		3-room	From $164,000	From $94,000
		4-room	From $258,000	From $203,000
		5-room	From $329,000	From $319,000
		3Gen	From $348,000	From $338,000
Mature Towns/ Estates
Bedok	Bedok Beacon Bedok North Vale Bedok South Horizon	2-room Flexi *	From $135,000	From $95,000
		3-room	From $276,000	From $246,000
		4-room	From $407,000	From $392,000
		5-room	From $503,000	From $493,000
Toa Payoh	Woodleigh Glen Woodleigh Village	2-room Flexi *	From $181,000	From $141,000
		3-room	From $335,000	From $305,000
		4-room	From $468,000	From $453,000
Kallang/ Whampoa	Kallang Residences	3-room	From $350,000	From $320,000
		4-room	From $497,000	From $482,000

Notes:
*	2-room Flexi flats come in two sizes of 36 sqm (Type 1) and 45 sqm (Type 2).
^	The assumed housing grants are meant for applicants applying as a family nucleus or two singles under the Joint Singles Scheme for a 2-room Flexi BTO flat. SHG is applicable only to 2-room Flexi, 3-room, and 4-room flats in the non-mature towns. With the SHG enhancement announced at NDR 2015, eligible first-time flat buyers with income up to $8,500 would now enjoy SHG of up to $40,000: 2-room Flexi flat: $80,000 (comprising AHG of $40,000 and SHG of $40,000 where applicable) 3-room flat: $70,000 (comprising AHG of $30,000 and SHG of $40,000 where applicable) 4-room flat: $55,000 (comprising AHG of $15,000 and SHG of $40,000 where applicable) 5-room flat / 3Gen flat: $10,000 (AHG only) The actual grant amounts vary based on income and choice of flat type. Read more on various CPF Housing Grants available.
+	Buyers are required to pay 5% of the published price using their own CPF and/ or cash savings when the total housing grants (i.e. AHG and SHG) they can enjoy exceeds 95% of the published price of flat. Excess housing grant, if any, can be used to pay for Optional Component Scheme items and premiums that singles and Singapore citizen/ Singapore permanent resident households have to pay, before crediting the balance into the Singaporean buyers' CPF accounts.
**	Singles who apply for the 2-room Flexi flats under the Single Singapore Citizen Scheme will pay $15,000 more than married couples. Eligible singles can also apply for AHG and SHG. The additional amount payable and the grants will vary based on the choice of lease tenure. The actual grant amounts will vary according to income. Read more on various CPF Housing Grants available.
Selling prices (excluding and including grants) quoted above are rounded up to the nearest thousand dollars.

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Conductor Whiskers

02nd Nov - Conductor Whiskers came and played.


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Nov 2016 Singapore Savings Bonds - GX16120N

Issuance Details- GX16120N

Bond ID	GX16120N
Amount available	$300 million
Issue date	1 Dec 2016
Maturity date(1)	1 Dec 2026
Interest payment dates(1)	The 1st interest payment will be made on 1 Jun 2017, and  subsequently every six months on 1 Dec and 1 Jun every year.
Investment amounts	You can invest a minimum of $500, and in multiples of $500  up to $50,000 for this issue. The total amount of Savings Bonds  held across all issues cannot be more than $100,000.
Application period	Opens: 6.00pm, 1 Nov 2016 Closes: 9.00pm, 25 Nov 2016 Results: After 3.00pm, 28 Nov 2016 Keep track of the important dates with our SSB calendar.
Apply through	DBS/POSB, OCBC and UOB ATMs and DBS/POSBInternet  Banking, from 7.00am - 9.00pm, Mon - Sat, excluding Public Holidays. On 1 Nov 2016, these channels will be open from 6.00pm to 9.00pm. CPF and SRS funds are not eligible.

This bond will be reflected as "SBDEC16 GX16120N" in your CDP statement and "CDP-SBDEC16" in your bank statement.

Interest rates

Year from issue date	1	2	3	4	5	6	7	8	9	10
Interest, %	0.87	0.93	1.30	1.74	2.01	2.11	2.25	2.41	2.60	2.86
Average return per year, %*	0.87	0.90	1.03	1.21	1.36	1.48	1.59	1.68	1.78	1.87

* At the end of each year, on a compounded basis

Calculate the interest you will earn based on your desired investment amount using the Interest Calculator.

(1)If this day is not a business day, payment will be made on the next business day.

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Om Mani Padme Hum

Om Mani Padme Hum


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