Saturday, November 30, 2019

Look at the interest of all parties, and not personal interest only

Someone accused me of supporting the use of PMD because I and my family member do not use the footpaths.

Why should this person make an unfounded accusation or be personal in giving his views?

I use the footpaths every day. So does two of my grandchildren who walk to school.

Anyway, I do not give my views based on personal interests. I am able to see the perspective of other people, and not only my own, in coming to my decision.

I have seen many PMD riders use their gadgets responsibly. Why should they be penalized?

I am sure that some riders are irresponsible. I prefer that they be dealt with severely, and maybe sent to jail. I also like to see them banned.

Someone asked - how can these irresponsible riders be stopped? The answer is - more enforcement officers. We need these officers to implement the ban, right? We can use the same officers to monitor the speeding. It is not difficult.

Why not create jobs for locals to be enforcement officers?


NAJIB said...

We may have the best facilities. At the end of the day its still human that makes the rules?
Dear Najib,
Here is some additional information that may be useful to you in deciding the appropriate package to opt for.

Documents required from all Borrowers
For Owner-Occupied Property : Please submit documents 1 to 4

1. Front & Back copy of NRIC (mandatory)

2. Property Tax Page for all Owner-Occupied Property (mandatory)
a. Log on to IRAS Website at
b. Click on “Login to my Tax Portal
c. Click on “LOGIN” with “SingPass” or IRAS pin (right side of webpage)
d. Search for “Property Tax” on the left panel
e. Click on “View my Property Portfolio / Change mailing address”
f. Click on the property address that is “owner- occupied”
g. Print out the page that indicates “Tax rate : Owner-Occupier”
***Kindly note printout to indicate date of printing and reflects IRAS logo

3. HDB Printout (If you have a term loan with us)
a. Logon to HDB Website at
b. Log in via Singpass at “My HDBPage”
c. Click on “My Flat” and then click on “Financial Info” under Purchased Flat (on left)
d. Please print and email page over

4. CPF Property Withdrawal Statement (if you have a term loan with us)
a. Log in to CPF Website at
b. Go to My Statement
c. Scroll down to Section C and click on the “Property”
d. Select “I wish to view my Private Housing Withdrawal Statement” from “My Statement – Property”
e. Print out this statement to show Private Housing Property Withdrawal Details

For Investment Property : Please submit documents 1 to 7

5. Income Documents (mandatory)
 Self-employed, commissioned or variable income earners: Latest Notice of Assessment
 Salaried Employees: Latest year Notice of Assessment and latest pay slip and Last 12 months CPF Contribution statement
• Overseas Employees: 3 months’ pay slip/Letter of Employment and 3 months bank statements reflecting crediting of salary

• Dividend income (If applicable)
- Latest CDP Statement
- Certification of latest year dividend income by certified accountant
- Letter from company with corresponding bank statement showing crediting of latest year dividend

Steps to obtain Notice of Assessment
a. Log on to IRAS Website at
b. Login with your Singpass or IRAS pin
c. Go to “View Correspondence/Notices” (left of webpage)
d. Click on “Letters/Notices” and select the required Notice of Assessment

6. Statements for All Existing Credit Cards/Credit Line Statements(mandatory)
***Please provide statements which reflect card holders name, card number and minimum payment amount

7. Details on other loans (for example: Car Loan, Housing Loan, Renovation Loan, etc):
a. Original Loan Amount & Loan Tenure
b. Outstanding Loan Amount & Remaining Loan Tenure
c. Monthly Instalment
d. Current Interest Rate
e. Name of Financier
***Missing information of the above might delay the review process

Please note:
Kindly note that we will close your repricing request 1 week after the date of this mail or by end of this month, whichever is later, if no documents are submitted. We seek your understanding.

The REPRICING application is subject to TDSR & Quantum of Financing assessment and review.

Please email all required documentation specified above.

Do note that the loan package(s) and fee(s) may be subject to changes as determined by the Bank from time to time without further notice to you.

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Anonymous said...

Micromanagement hampers creativity.

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