Since we signed the letter of offer from the bank, there were numerous delays in the further processing of our purchase… most likely being held up at the lawyer’s office. Within two weeks from signing the letter of offer, the legal clerk made an appointment with us to send theContinue Reading

Since finalising the purchase of our property in JB, I felt a need to look for a new challenge. And out of nowhere I suddenly recalled a long subdued desire to climb mountains. While I don’t intend to scale Mount Everest, my goal is to at least reach the summitContinue Reading

I was desperately counting down to this day. Since the beginning of 2012, Theo and I had almost burnt every free moment of our time juggling our careers, managing Joel’s burgeoning school work and tests and making key financial decisions pertaining to a new car and property investment in JohorContinue Reading

Saturday’s papers reported that Singapore needs 30,000 immigrants every year just to sustain productivity. This is because we are not giving birth to enough children, at a total fertility rate of 1.24, we are barely replacing ourselves. And even with the influx of immigrants, we will not be able toContinue Reading

After placing the nominal booking fee of RM1000 (not all developers have the same practice, some require 10% downpayment upfront), the developer gives you about 1 month to get your loan approved. And so begins the arduous search for the best loan package. After going all out to find myContinue Reading