hazeline\" post_id=\"1947869\" time=\"1574400358\" user_id=\"18065:

fivefingers\" post_id=\"1947863\" time=\"1574399906\" user_id=\"45568:

Want to seek opinion of parents here re the new 20% for non-affiliated. I know some schools COP will drop this year as they take in mostly their own pri students (like PLMGS) previously. Just wondering if anyone knows about schools like CHIJ St Nick or SCGS? Their COP is high for non-affiliate but I wonder if they have already started taking in more outsiders in previous years. If so, this means their COP is not \"artifically high\". My dd score 248, a bit short to go to her dream schools which are in the 250 range.

I would think otherwise. Those schools who have to open up to outsides (eg.PLMGS) would see an increase in COP because previously, their COP was artificially lowered to accommodate the affiliated students.

Not sure if this is correct. No school sets a standard or artificially lowers one. Eg a school has 100 slots. It is mandated to open 20 slots to the public. It reserves 80 slots for its affiliated primary school.

The affiliated primary school competes for the 80 slots. Hence a COP of eg 220 for affiliates is derived once the 80th student enters.

The public competes for the 20 slots. Hence, the COP of 250 for public is derived once the 20th student enters.

The COP increase or decrease is dependent on how many are competing for the slots.

By my reckoning, when MOE forces 20%, the number of slots for the public increases. Hence, for the public the COP will fall.

For affiliates, bec of this forced 20%, the number of slots decreases. So the COP for affiliates increases.

(why else will MOE force the 20% to remove stress. Bec clans were hoarding up for their own)

ilovelaksa\" post_id=\"1947861\" time=\"1574399705\" user_id=\"88602:

My younger daughter comes from a non-affiliate nbh sch, she goes to an affiliate sec school. Her experience in sec sch is wonderful. Making friends is not an issue.
I think it might hv to do with her class not having many affiliates from the pri side next door (only 1 I recall) The affiliates in her class are not from next door. The rest of the classes are half affiliates or even almost entire classes of affiliates from next door.

Your daughter found friends in her class. During my sec school, I have friends from all 10 classes in my level. Bec I have been put in the same class as some, if not most of them, throughout 6 years of primary school. Who do you think has more friends?

MsB_Luv\" post_id=\"1947815\" time=\"1574393685\" user_id=\"182449:

Hello, I am new.

Just want to hear from some mummies here / school of thoughts for sec school with a wide COP vs a smaller range of COP.

~ wide range better/ narrow range

My personal tot: Maybe that wide range, eg. 220-254. Maybe that school only have 1 student 254.

Anyone good in analysing such to interpret?
:thankyou:

I did this analysis once.

To me, wide range usually have affiliates. They reserve spaces for students from their affiliated primary school. When that is filled up, the school open slots to the public. So if only one class is open to the public, the public competes to enter that one class. Such schools have very few high scorers. The low scorers are their affiliates and these form the bulk of the students.

Is that a good school? I doubt so. It just means they have few spaces for the public to enter, hence high COP. Standards set at the school cater to the bulk, which are average scorers.

Narrow bands usually means no affiliates. The students there made it on their own merit. Pupils there are surrounded with similiar peers. The general pace is set according to their standards i.e a good fit.

There is also one very important factor. When one joins a school with affiliates, the students there already formed their own cliques. It is very hard to break into the group. A close friend told me this when he joined my school decades ago.

To me, making friends is the most imperative experience in a sec school bec these are the friends that will see you through life. So, to be unable to break into cliques is a huge drawback. In a non-affiliated environment, everyone has to make new friends all over again. This is a strong plus.

Ps: Daddy here. So dunno whether my view is accepted?

tyeogh\" post_id=\"1916275\" time=\"1561703683\" user_id=\"94399:

Hi parents,
We have a WeChat support group for Autism. To discuss things, share info and support each other.

Do leave your WeChat ID here or PM me if you want to talk about your special loved ones. Hope to see you there!

:thankyou:

Bump post

One does not need an overseas property. I was just broadening the discussion re using properties to retire. Sg is expensive with low ROI. If you have millions to spare, why not. Else one can scout overseas. Just understand the risks. Attend courses etc.


Years ago, I too bought an Aussie pty for my children to study in case cannot make it to local uni. Turns out not too wise. Bec now the G has plans for 40% of each cohort to get into a local uni. Just make sure my kids are in the top 40% can ady.

The other thought was me to retire in Aust. As I grew older, I think I love my hawker food more than I love retiring in Aust. So…sigh…

Iluvmygals\" post_id=\"1938815\" time=\"1569889871\" user_id=\"26453:

HDB rental yield is usually the best. But sometimes people look at the absolute amount of rental they receive...so 4k is more than 1.8k. A friend of mine did that....rent out the condo and continue to stay in HDB...despite HDB having better yield.

Agree. Once one understand ROI, then it is about searching for the asset type to deploy one's money to build a portfolio.

Eg one can have a retirement portfolio of

CPF ERS $240k:
Monthly payout $2,000

4 rm HDB $400k
Monthly payout $1,800

Manchester, UK 2 bedder £300,000
5% ROI
Monthly payout S$2,100

Total Portfolio Cost: $1.15m
Total monthly received: $5,900
ROI: 6.1%

Want to increase monthly payout?
(One way is to) accumulate more overseas property. No ABSD. No TDSR.

Note above portfolio cost less than a FH condo

Just a quick estimate. To show ROI.


4 room HDB: $400k
Rent: $600 a room
ROI: 1800 x 12 ÷ 400,000 = 5.4%

3 bedroom leasehold condo: $900k
Rent: $2,300
ROI: 2300 x 12 ÷ 900,000 = 3.1%

FH landed: $2.5m
Rent: $4,000
ROI: 4000 x 12 ÷ 2,500,000 = 1.9%

If the purpose is to collect monthly rental income for subsistence, FH landed is a poor choice.

lee_yl\" post_id=\"1938739\" time=\"1569848041\" user_id=\"17023:

tyeogh\" post_id=\"1938519\" time=\"1569810745\" user_id=\"94399:

15 years ago property prices were at its doldrums. Everything was iffy. Nobody then knew the greatest secret. That Sg was to accommodate 6.9m people. Since then, property prices shot thru the roof. To accommodate real demand. Now, we are at an oversupply state. I dont think it's reasonable to use the past 15 years to project capital appreciation for next 15 years.

True that the past does not always represent the future. Maybe we shouldn’t expect next 15years to see property prices continue to shoot up like they did in the past, but in the long run, property prices should be heading north for a highly cosmopolitan city like Singapore.

All the more so in land-scarce Singapore, a FH landed will always be highly sought after.

The price index showed landed property prices outdo condos in recent years.


https://postimg.cc/PCns9nRS

If one can afford fh landed, why not? It really depends on the purpose. If one buys to stay, one will probably be saddled with a life time of debt. Bec one has to pay the mortgage himself. No thanks for me at this stage of my life haha

If it is to provide rental income, a 3 bedder HDB or leasehold condo will have better ROIs.

15 years ago property prices were at its doldrums. Everything was iffy. Nobody then knew the greatest secret. That Sg was to accommodate 6.9m people. Since then, property prices shot thru the roof. To accommodate real demand. Now, we are at an oversupply state. I dont think it’s reasonable to use the past 15 years to project capital appreciation for next 15 years.

lee_yl\" post_id=\"1938332\" time=\"1569680087\" user_id=\"17023:

One thing I don't like, he asked my parents to sponsor the downpayment for his Audi (not TV!).

This one champion lah. Win my younger bro. If I bring up a child like this, I would have failed them. Hope I can be heartless enough when my kids come to me with simi wonderful investment ideas when I old. Figure your own lives and grow up proper!