27/2/2010- wats wrong w me?!

Am crying..

Duno wats wrong w me!
My fingers super numb!
Duno is it due to chemo?
Is it due to hormones?

My mood suddenly v sad..
The numbness makes me cry.
I thot I'm fine liao. Why why why?

Dear not w me now :(
Sent from my BlackBerry Wireless Handheld from M1.

2 mths after all treatments - weak joints, numb fingers

Its been abt 2 mths after my treatments..

life's been back to normal..
i wanted 1 activity per day..
but end up have 2 or more activities..
like morning meeting, nite meet client etc..

super bz bz last few wks..
very tired too..
but so many things need to attend n do..

went see chemo & radio doc for 2-3 mths review..
there's something not right abt me..

-fingers will suddenly feel numb..
N will last few hrs..

-joints all weak..
esp my fingers joints..
like the veins got sprained..
especially jia lut when wake up in morning..
like whole body super ache + stiff fingers...
when sit too long, hip ache when stand up..
like old lady like tat..
prob due to chemo medicine haven go off..
doc say shd take abt 6 mths to clear the chemo medicine!

-cannot carry heavy stuff too..
cannot use fingers strength...
thumb veins like sprained...
this happen only this wk..
weird..

-got hot flush again..
happen on n off.. will last for abt 1 min only..
doc say its hormones change..

-feet also 水肿..
shoes all tight..
cannot wear heels too..
end up went to buy 2 flats..
haa..

but overall all 3 docs are very satisfied with my condition..
say recovering very well..
jus have to give myself more time ba..

my Guide to buying pte property

this is just base on my experience..

1) view hse.. 
we did it by searching propertyguru.com
then ask my bro whose part-time property agent to contact other agent to co-broke.
they'll split the comm half.
i rather let own bro earn then let others earn full comm.. haa..

viewing hse is a very tiring process..
1 evening we can view 3-6 units (can be different condo or same condo different unit)
per unit can spend ard 15-30min viewing..
total usually 2-3hrs..
we always shag out after viewing..
somemore bro stay boon lay n he come viewing at hougang n sengkang etc..
so far we viewed ard 10 condos n more than 20 units in D19/20 ba..

the more u view, the more u know wat kind of hse u want..
also u'll roughly know wat shd the price be (in ur own feel) for tat property.
no hard n fast rule..

but take note of the "unchangeable" factors which can be important..
like
*where the hse/living room/bedroom face.. try not to have west sun. 西晒
cos in late afternoon-evening,4pm-7pm.. hse with 西晒 will be super hot..
we bring along a compass to see the direction.

*structure of the hse.. got any wasted space.. got balcony?
we think tat balcony is a waste of space, as its seldom used..
its usually used to hang clothes etc..

*is the living room/bedroom facing main road?
take note it'll be very dusty!

*wat is the view of the hse.. eg opposite bldg blk 444..
we saw this n wont want this unit liao..
pool view? usually much more expensive..

*is it low floor? usually high floor more windy..

*wat is the maintenance fee? usually ard $250-$350/mth

*full condo facilities? basic are swimming pool, tennis court, bbq pits, function room. is bonus if got KTV room, billard table, squash etc.

*how many parking lots?
usually 1 hse is given 1 lot.. extra lot depends on availability
usually need to pay for the extra lot..

*location of ur hse..
near mrt? amenities? bus stops?

*freehold or leasehold..
freehold usually more expensive

*how long is the condo liao?
10 yrs? 20 yrs?

*hows the neighbourhood?
good to tour ard the area in morning/afternoon/nite.
see the traffic during peak hrs too..

changeable factors
*sometimes the "unchangeable" factors is perfect but hse interior look old n dirty..
so tends to give ppl not good feeling.. n end up didnt buy this unit..
take note tat its ok one, anyway gona renovate it..

2) apply for AIP
meanwhile look for any bank or u have fr in bank doing mortgage loan, apply for AIP (approval in principle)
if u dun have any1 in mind, can ask me.. my fr is UOB banker..
AIP is to make sure tat u r eligible to take bank loan..
its not a confirm loan decision, jus an assessment 1st.
in case end up u cannot take loan, then trouble.. n its free...

3) write cheque of 1%
after decide on the unit, need to make an offer, then write cheque of 1% of wat u wana offer.
eg seller wana sell 1mil. u wana buy at 980k. so write a cheque of $9800, pass to own agent.
own agent will then negotiate w seller's agent for the price..

4) "exercise" the OTP (Option to Purchase)
if seller n buyer agree w a price, seller will sign an OTP (Option to Purchase).
meanwhile seller will take the 1%  n give buyer 14days to "exercise" the OTP.
"exercise" means need to pay another 4%  n confirm agree to wana buy this hse,
also need to pay stamp duty of (3% x price of hse - $5400)
within the 14 days, buyer can still change decision to dun wan to buy this hse.
but will forfeit the 1% down pymt.
so when meet lawyer, will pay 4% + stamp duty + some lawyer fee thingy.
bank usually will absorb the lawyer fee which is abt $2500..

-meanwhile these 14 days, need to find lawyer n decide which bank loan u wana take up n exercise the option. also need to do inventory list (means seller will leave wat thing behind in hse for seller, eg oven, lighting, sofa etc)
means need to find lawyer n bank loan within 10 days preferably.
left 4 days for lawyer to liase w seller's lawyer to exercise option.

in my case, i really have 2 贵人.. my bro n christine (uob banker)
cos christine give me all banks quotes at 1 shot..
this really really save my trouble of going down bank by bank for quotes..
she also take the trouble to explain to dear n me n my bro different type of package out of her own wkend timing. 谢谢你 girl..
then my bro help me assess diff bank's package (cos he's graduating soon n gona be auditor, so very sensitive to interest n numbers)
n thanks to bro, we can decide which bank loan to take without cracking our head..

deciding which bank loan is also a tedious thing. cos it involves big sum of $$ n over long period of time..
so it is extremely important to calculate n think it thru properly.
bro also help me assess how much we shd loan, our mthly financial status etc.. (funny hor.. im financial consultant, end up bro help me.. haha.. i need 2nd opinion la.. hahah)
we did our calculation even before buying the unit..
like how much cpf to pay, how much cash to pay, how much mthly instalment, how long the loan, 10/20/30 yrs? set aside $ for reno n furniture etc..
n thankfully, we settled lawyer n bank loan before CNY..
so we had ease of mind during cny.. no need to worry this n tat..

5) decide which bank loan
anyway once decide which bank loan wana get, need to get a LO (letter of Offer) from Bank.
this is to get official confirmation from bank tat buyer can get the loan.
different bank got different rules. means if bank B approve ur AIP, bank D may not approve cos bank D maybe stricter etc..
so lawyer wld wan to know that the bank confirm approve loan then will exercise the option.

6) wait for "Completion"
then meanwhile wait for "Completion" which usually takes 10-14 wks.
the completion date will be written in the OTP. must ensure completion is done before this written date, else buyer need to pay charges one...
something to take note is if use cpf to buy, lawyer need to apply for approval from cpf board n this may take 8-10wks..
so after lawyer exercise the option, buyer jus have to wait till completion.

7) source for Interior designer
so while waiting for completion, can go source for Interior designer/contractor/shop for furniture..
now we keep going to fr hse to see see look look.. wat to take note, wat to do etc..
alot of things to take note oh..
like must know how many power pts u want etc..
wooo.. tiring process again..
but am soooooo looking fwd to my 1st self own hse!

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this is me n christine in pri 6..

we knew each other jus 1 yr n we became best of frs in pri 6..

Happy CNY! 3-2-2011

im very happy this cny..

cos on day 1, everyone happens to come at same time..

so we can see all at one go..

so we took a pic!

but bro is in shower n yufeng not reach yet. my dad din come too.
3叔 pass away liao..
last time even more ppl leh..
from pic, ah ma small hse can still hold 23 ppl hor..

also maybe after my illness, i treasure meeting everyone more..

 funny 4 叔.. wana take pic with 2 pretty girl..

 love 小叔 n 婶婶's smile..

very bright n sunshine

 boys prob feel bored.. so stuck inside rm doing own things..

 ah ma n wan ting

 ah ma n hio hio yuzhen..

 hse is always full of noise n laughter when yuzhen is ard..

she is like the 开心果 in family...

in this pic, she is explaining why need to use hand to cover chin..

its to cover her double chin when take pic..

 see action 多多..

haaa

 we 3..

 w dear..

 w bro...

we dun look alike hor..

he got nicer nose.. hmmm

my wig din adjust properly.. 

right side too long..

 fun pic..

we r arranging ourselves in position as 19 yrs ago..

4 婶 is holding i pad to show us the young pic..

see yujie's face like wah wah.. haha

me n yuping is discussin w yufeng which hand is his "yes"

 fun..

 tada!

this is taken in yr 1992-1993..

cos im wearing my pri 6 PE shirt..

see all kids so cute..

 19 yrs after!!

all grown up..

either teacher, dentist, auditor, businessman, insurance, property n Uni students..

wat good genes we all have.. haa..

 2 more little ones born after 1993..

wan qi n shuning..

 zi hao reach..

cry.. duno why..

see hio hio yuzhen..
today is 4 generation.. 四代同堂
grandma, parents, us n yufeng's son, zi hao..

 w me..

 w beloved ah ma..

 dear w zi hao..

ipad / iphone never fails to attract little ones attention nowadays..

 had a fun time this cny..

My House!! 27-1-2011

went amk hub shopping..

if u r there.. must go this store @ level 2.

clothes there are cheaper..

i saw some tops tat i bought at other stores, is sold here..

exactly the same n cheaper..

arghh...

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anyway has been viewing condos in D19/20 for some time..
FINALLY found the ONE!
its at Regentville..
hougang area..
we like this unit for few reasons

1) it is relatively cheaper than other units tat we viewed (stil not cheap la)..
others mostly almost 1mil or some over 1mil..
its crazy price.. esp for D19/20.

2) it is pool view!!
seller can easily sell maybe abt 50k more if it is pool view as compared to same level unit w/o pool view..
lucky not facing main rd too!
so wont gana dust from rd..

3) its level perfect 10!
we viewed some low floors..
low floor's feel is not wat we want..
so far high floor really feels better..

4) we have unblock living n bedroom view!
also means windy!
below pic is view from our living rm! keke

5) it is jus beside dear's parent hse..

so we r super familiar with the area..

opposite still got a small shopping mall with NTUC..

so convenient..

6) size is ok.. not too small.. 1152sqft/107sqm

3 bedrm.. cos in laws living w us..

7) location is very accessible..

few bus stop away from hougang NEL, YCK mrt, 

serangoon NEX shopping mall, AMK hub shopping mall etc..

drive to city w/o traffice is ard 15 min..

8) no west sun!

other units either got west sun or low floor or too few parking lots or no pool view etc..

9) maintenance only abt $260/mth..

can park 2 cars!!

most condo can only park 1 car..

then problem for us..

10) the condo got ktv room n billard table in function rm n got a big study area..

brought 2 gu n ah ma to see the hse when we r doing inventory list taking..

they like it too..

am happy!

Not so good is this development is 10+ yrs old liao..

n its leasehold..

got abit old kinda feeling.. 

but personally we feel more pros then cons..

anyway we wont live till so old la..

so we immediately pay 1% after viewing the hse..

haha..

also happens tat seller's agent is dear's old time fr!

so we got a rather good deal..

seems like its meant for us..

am also happy tat we found it before CNY so we need not search anymore..

viewing is super tiring..

we also settled bank loan n lawyer things before CNY..

after CNY i can start meeting client proper..

n we can start looking ard for interior designers n furniture.

keke.. so looking fwd to my new hse!

LOVES!