Me Time!
-
Was it some kakis mentioned here or K read somewhere, some plants better water on the soil not top down.
-
MrsKiasu\" post_id=\"2083213\" time=\"1663919376\" user_id=\"43981:
u had answered your own question.
Is holding property the best at this time?
This morning I was thinking probably sell our place can put cash in bank earn interest, then rent a place with walking distance/very near mrt to school..look at the 17% stamp duty for 2nd prop plus the work involved in finding a suitable/good value place to rent deflated my plan.
, also must pay back to own CPF acct for the interest accrued
on the principal amt that was taken to pay the housing loan ... in the end there is also possibility hard cash back may not
be alot alot..
u mean after sell one property , u going to get another 2nd ppty ? then cash back to the stamp duty leh -
MKS, I made heaps of mistakes in my early years of gardening.
We need to know our plants, then techniques to water & fertilize them. Along the way know which plant love sun & which plants prefer shaded light or can tolerate indoors.
Ive also learnt to identify diff types of pests - mealy bugs, aphids, whiteflies (typically chillli & tomato plants often prone to these pests); scales, lace bugs, stink bugs … There’s also root mealies but I’ve yet to encounter (touch wood).
We use right medium for plants that love lots of moisture retention or if plants don’t like wet feet, hv to do soil adjustments. So cannot just use one type of soil o’wise too much water retention (like loam, clay spaghnum moss, etc) or no nutrient ( so we regularly add compost to enrich the soil. Compost is not soil. To achieve better drainage, we use diff types depending on yr plants & what u want to achieve. So to amendment drainage, gardeners use perlites, Leca, sand, lava stones, zeolites, etc.
Some plants don’t even need or like soil such as orchids, Hoyas, Staghorn ferns, Monstera, etc. We can use charcoal, sphagnum moss, drift wood, or Just lava stones or zeolites. These are aerial plants that thrive in humid environment & can survive under shade with some sun rays as their natural habitat is in forest depths growing on & shaded by trees.
Some examples of plants that do not like wet feet are tomato plants, Lavendars, Rosemary & many herb plants. Yet, tomato plants hv to be watered regularly o’wise it’ll dry up. Gardeners will grow with mix of soil, perlites or small Leca. Deep watering 2-3 rounds till water drips/drains out & u’ll hv moist soil but not wet till the roots & bottom stem wet for long periods till rot. I water my RMs & Lavendars thoroughly till water drips thro every 3 days or twice a week but not daily, or when very hot days, daily if the soil is dry. There were times I left these herbs unwatered for 5 days, but with deep watering, all the roots gets a quick wake up. A week of not watering might kill the plant.
I do not keep succulents, so can’t adv though. -
MyPillow\" post_id=\"2083220\" time=\"1663921616\" user_id=\"70594:
No cpf for this one. Interest is going up. Earning interest should be nice feeling I think right. If 'brave' can sell then rent a place..keep changing not bad also as kids don't know where they going also..if very near mrt I don't even need a car..can save money. I don't need to worry kiddo after school going home. But if sway prop prices keep going up then ended up cannot afford to buy next time.. I read seems int rate will peak sometime like 1st qtr next yr start going down is 2024 but very slowly.
u had answered your own question. , also must pay back to own CPF acct for the interest accrued
on the principal amt that was taken to pay the housing loan ... in the end there is also possibility hard cash back may not
be alot alot..
u mean after sell one property , u going to get another 2nd ppty ? then cash back to the stamp duty leh -
Funz\" post_id=\"2083214\" time=\"1663919659\" user_id=\"6230:
ya ya...the atmosphere there very tension leh!
Came here to unravel what I have just read in the IP, IB, A levels thread. Impressed and intimidated by the discussions there. Haha.
My place here not sunny. Humid though.
Killed a couple of my Zebra succulents. Read that when watering them, the right way should be to dunk the whole pot into a pail of water then let the water drain out, repeat only when soil is dry. I did that once and they ended up with root rot. They were growing so well before this.
Should have stuck with my occasional spritzing of water when the soil dries out. Note to self, don't fix what is not broken or don't challenge a tried and tested method. :razz: -
Funz\" post_id=\"2083214\" time=\"1663919659\" user_id=\"6230:
I stay away fr contentious opinion topics. Just stick to factual discussion best. I try not to be overly anxious abt life too & my kids don’t want to chase papers & don’t need me as info readily out there. They’re so resourceful where they want to head & what resources they can tap on whether study locally or overseas & the types of scholarships available.
Came here to unravel what I have just read in the IP, IB, A levels thread. Impressed and intimidated by the discussions there. Haha.
Anyway, I’ve full respect for educators who are subj matter experts, which I am not, but I just don’t need to straddle myself nick-picking on entry grades. OK lah, he hv the years of research to bavk what he shares.
Education for me is abt the one taking the journey & as long as they’ve found a happy route, they’ll learn & thrive. If a top sch curriculum does not suit my child but offers an overly competitive & stressful environment, I do not wish for my child to sink in that big ocean. -
MrsKiasu\" post_id=\"2083213\" time=\"1663919376\" user_id=\"43981:
Rentals hv gone up sky high & hit the roof now. If u hv 2 properties, good to collect rent now. If only 1 property, after selling high, will hv to buy high too but if rent, money flow out of yr pocket & u hv to contend with hopefully good landlord that will not take adv of tenants hv to pay expenses too (stamp duty, movers, etc). If good landlord can renew but if lousy LL, end up moving like nomads lor. Own home still beat lah.
Is holding property the best at this time?
This morning I was thinking probably sell our place can put cash in bank earn interest, then rent a place with walking distance/very near mrt to school..look at the 17% stamp duty for 2nd prop plus the work involved in finding a suitable/good value place to rent deflated my plan. -
If property loan interest rates are rising too much, consider paying down your loans if you have excess cash instead of investing that cash in FDs or bonds that give returns lower than loan interest rates.
From my limited view, if you have a property already, hold on to it. I think it will just get more and more difficult to own any properties with the way prices are moving. -
MrsKiasu\" post_id=\"2083224\" time=\"1663922701\" user_id=\"43981:
Calculate the maths ba…the cash u get from the sale, sufficient to rent near mrt for how many years? Until they finish schooling? If got balance to pay for intl school fees even better lol.
No cpf for this one. Interest is going up. Earning interest should be nice feeling I think right. If 'brave' can sell then rent a place..keep changing not bad also as kids don't know where they going also..if very near mrt I don't even need a car..can save money. I don't need to worry kiddo after school going home. But if sway prop prices keep going up then ended up cannot afford to buy next time.. I read seems int rate will peak sometime like 1st qtr next yr start going down is 2024 but very slowly. -
Actually we cannot 小看interest…the interest earned if sell off plus interest to be paid if no sell off can rent a place already.
Hello! It looks like you're interested in this conversation, but you don't have an account yet.
Getting fed up of having to scroll through the same posts each visit? When you register for an account, you'll always come back to exactly where you were before, and choose to be notified of new replies (either via email, or push notification). You'll also be able to save bookmarks and upvote posts to show your appreciation to other community members.
With your input, this post could be even better 💗
Register Login