Sunday, 15 July 2012

HDB Steps Up Enforcement against Unauthorised Subletting and Revises Subletting Rule for SPRs
 
HDB flats are primarily meant for owner occupation. Those who wish to sublet their flats must meet the Minimum Occupation Period (MOP) and obtain HDB's approval before they can do so. This rule applies to both Singapore Citizens (SCs) and Singapore Permanent Residents (SPRs).

 
Enforcement Actions Taken Against Unauthorised Subletting


2. In 2011, HDB carried out 7,000 flat inspections and took action against 56 flat owners for unauthorised subletting. Of these, HDB has initiated compulsory acquisition action against 18 flat owners for blatantly infringing subletting rules. (See Annex A (PDF 22KB) for details of 3 cases where HDB has initiated compulsory acquisition actions as the flat owners have blatantly abused the public housing system and flouted HDB rules.)


 
Revised Subletting Rules for Singapore Permanent Residents (SPRs)


3. HDB reviews policies and rules regularly to keep them relevant. As part of ongoing reviews, the rules for subletting by flat owners who are SPRs will be revised with effect from 11 Jul 2012.


 
Current Rule


4. Currently, both SC and SPR flat owners are allowed to sublet their flat after meeting the MOP. The approval is granted for a maximum of 3 years per application. Owners can apply to renew the period of subletting upon the expiry of each 3-year period, with no cap on the number of renewals and the total period of subletting.


 
Revised Rule


5. Under the revised rule, SPR flat owners will be allowed to sublet their flat after meeting the MOP, if they have not sublet the flat before. The approval will be granted for 1 year only, instead of 3 years. Upon expiry of the 1-year period, the application to extend the approval will be assessed on a case-by-case basis and approval will be granted only if there are extenuating reasons. The total period of subletting during the flat owners' entire duration of the flat ownership is capped at 5 years.


6. The revised rule is to reinforce the policy intent of providing HDB flats as homes to SPRs, and to deter those who are buying the flats for rental yield or investment. While HDB allows SPR owners who have met the MOP to sublet their flat, the subletting should be on a temporary basis. If the SPR families no longer need the flats for their own occupation, they should sell the flat instead of subletting them.


7. There will be no change to the subletting rules for flat owners who are Singapore citizens.


 
Advice to Homeowners and Tenants


8. HDB would like to remind all flat owners to comply with its terms and conditions for subletting, such as ensuring that the number of tenants does not exceed the maximum number allowed for the various flat types and that the flats are only occupied by the listed tenants. They must also monitor their tenants to prevent nuisance or misuse of the flat, such as further subletting the flat to non-authorised occupants for short-term stays.


9. HDB takes a serious view of any unauthorised subletting and will take stern actions against owners, including compulsory acquisition, even if it is the owner's first infringement. This is especially for cases where the flat owners had bought the flat purely for monetary gains, with no intention of occupying it. HDB has also encountered cases where flat owners try to circumvent HDB's rules by locking up one room and subletting the rest of the flat without physically staying in it. Such cases will be treated as unauthorised subletting of the entire flat. Subletting of flats or bedrooms for short-term stay to tourists is also not allowed.


10. Prospective tenants are also advised to familiarise themselves with the eligibility conditions for subletting, e.g. whether the flat owner has obtained HDB's approval to sublet the flat. More information can be found on HDB's website www.hdb.gov.sg, under the section "Living in HDB flats".


11. HDB flat owners who intend to rent out their flats/rooms and tenants who are renting a flat/room are advised to check CEA's Public Register of Estate Agents and Salespersons at www.cea.gov.sg to verify their salespersons are registered with CEA before engaging their services. In addition, flat owners and tenants should not allow their salespersons to handle rental payments or rental deposits as they are prohibited from handling transaction monies for or on behalf of any party in the lease of HDB properties.


12. Consumers should only engage salespersons who are registered with CEA. They are also advised not to respond to any real estate agency flyer, leaflet or advertisement that does not provide a salesperson's details or registration number. Consumers should report to CEA when they encounter any person not listed on the Public Register but carrying out estate agency work illegally or handling transaction monies in the lease of HDB properties. They can report the matter to the CEA at 1800-6432555 or feedback@cea.gov.sg.



 
For Enquiries


13. The public can call the following numbers for more information or enquiries on subletting or report suspected cases of unauthorised subletting or unauthorised use of flat:

      a) For information or enquires on subletting
      HDB Branch Office Service Line @ 1800-225-5432

      b) For report on suspected unauthorised subletting / use of flat:
      HDB's dedicated hotline @ 1800-555-6370
      (All feedback will be kept strictly confidential)

Thursday, 5 July 2012

UPDATES ON CPF CHANGES


CHANGES IN CPF MINIMUM SUM, MEDISAVE MINIMUM SUM AND MEDISAVE CONTRIBUTION CEILING FROM 1 JULY 2012

News Release by:
Ministry of Manpower
Central Provident Fund Board

30 May 2012 --

CPF members who turn 55 between 1 July 2012 and 30 June 2013 will need to set aside a Minimum Sum (MS) of $139,000. The MS for 2011 was $131,000.
The MS has been adjusted over the years to account for inflation, longer life expectancies and Singaporeans' rising expectations of their quality of life post-retirement. Since 2004, the MS has been increased by $4,000 (in 2003 dollars1) each year to reach $120,000 (2003$2) in 2013, as recommended by the Economic Review Committee in 2003. The actual increases in MS are also adjusted for inflation each year.
Based on 2011 inflation and incorporating the annual $4,000 (in 2003 dollars) adjustment, the increase in MS due this year would have been $12,000, which is relatively large compared to previous years. In response to concerns over large increases in MS in any given year, we will spread out the remaining MS increases needed to reach the $120,000 (2003$) target over a longer period of four years. This means we will reach the target in 2015, instead of 2013.
With this change, the 2012 MS will be $139,000, a 6% increase ($8,000) over 2011. Without the change, the 2012 MS would have been $143,000 or a 9% increase over 2011.

Medisave Minimum Sum and Medisave Contribution Ceiling
The Medisave Minimum Sum (MMS) is the amount that a person turning 55 needs to set aside for his hospitalisation expenses in subsidised Class B2 and C wards, subsidised outpatient treatment for selected chronic conditions and basic MediShield and ElderShield premiums in his old age. Regular MMS adjustments are necessary to help Singaporeans plan for their long-term healthcare needs.

From 1 July 2012,
    a.The Medisave Minimum Sum (MMS) will be raised to $38,500 from $36,000, a 7% increase. Members will be able to withdraw their Medisave savings in excess of the MMS at or after age 55.
    b.The maximum balance a member may have in his Medisave Account, known as the Medisave Contribution Ceiling (MCC), is set at $5,000 above MMS and this would be increased correspondingly to $43,500, from $41,000.
              As announced previously, any Medisave contribution in excess of the prevailing MCC will be transferred to the member's Special Account if he is below age 55 or to his Retirement Account if he is above age 55 and has a MS shortfall.
              CPF Board organises free talks for members reaching 55

              As part of CPF Board's ongoing efforts to help members reaching 55 understand the MS and make informed choices about their CPF savings, the CPF Board will be organising three talks opened for members' registration from June to August. More information on the talks, please refer towww.cpf.gov.sg/events.

              1 The actual increase each year will have to be more than $4000 since the increase must account for inflation between 2003 and the time the increase is made. This is what is meant by a $4000 increase in 2003 dollars.
              2 The $120,000 target in 2003 dollars is effectively $120,000, adjusted for inflation between 2003 and the time the target is met. Doing so preserves the real value of the target.
              PUBLIC ENQUIRIES
              For more information, please visit 
              www.cpf.gov.sg or call the CPF Call Centre at 1800-227-1188.

              Sunday, 15 April 2012

              Hello rusty blog....

              Sekian lama tidak menulis di lelaman blog ini; kini sampai masanya ia kembali bernyawa. Pelbagai peristiwa yang dilalui dalam kehidupan tetapi dengan sikap tabah dan tidak putus asa, impian akan tercapai berturut kehendakNya.

              Tiada siapa yang dapat memahami sepenuhnya hati seseorang melainkan yang punya diri itu sendiri. Tujuan kehidupan serta setiap langkah yang diambil hanya yang punya diri lebih mengetahui. Pelbagai dugaan yang dilalui; namun jangan sekali-kali mengundur diri kerana dengan pengunduran munculnya kekalahan.

              Andai kata, ramai yang masih lagi sedang dalam perjalanan mencari kebahagiaan. Sedang menuju ke arah itu, pelbagai rintangan yang harus dilalui sebelum dapat mengecap kebahagiaan. Usah putus asa.

              Namun demikian, ngin ku kongsikan sebuah lagu tema yang diambil dari drama "Nora Elena" yang didendangkan oleh Asfan yang berjudul "Terhenti di sini." Senikata lagu ini membawa pengertian yang mendalam jika dihayatinya.

              Asfan - Terhenti di Sini (OST Nora Elena)

              Asfan - "Terhenti di Sini"

              Sedangku membaca wajahmu
              Senyumanmu menggambarkan sesuatu
              Jika kau fahami isi hatiku
              Ku tak ingin waktu henti tanpamu
              Dirimu menyalahkan sebuah erti
              Tapi diriku masih terhenti di sini
              Dan jalanku masih belum dapat ku pasti
              Namun diriku masih terhenti di sini

              Andai kau dapat memahami
              Bahawa ku menangung semua ini
              Bukan niatku ingin kau pergi
              kerna ku masih terhenti di sini
              Dirimu menyalahkan sebuah erti
              Tapi diriku masih terhenti di sini
              Dan jalanku masih belum dapat ku pasti
              Namun diriku masih terhenti di sini
              Tiada daya untuk ku lakukannya
              Kau tiba, di waktu ku masih punyai cinta
              Tiada daya untuk ku lakukannya
              Kau tiba, di waktu ku masih punyai cinta
              Dirimu menyalahkan sebuah erti
              Tapi diriku masih terhenti di sini
              Dan jalanku masih belum dapat ku pasti
              Namun diriku masih terhenti di sini
              Tiada daya untuk ku lakukannya
              Kau tiba, di waktu ku masih punyai cinta
              Tiada daya untuk ku lakukannya
              Kau tiba, di waktu ku masih punyai cinta


              Sunday, 16 October 2011

              Up Yours?

              Recently, I had been passing by this carpark to where the other car was parked and I thought this was something 'creative' done by the contractors who painted the multi-storey carpark and are responsible for drawing up the signage etc.

              So as curious a your neighbourhood cat, I walked on every level of the carpark to see if this was really done on purpose; a creative idea. However, as I walked a few decks up, I realized this may not be the work of the contractors in-charge somehow. It must be a case of another 'artistic' person who probably didn't get a chance to express himself on the designated walls thus he took this very place as the perfect venue for him to express his creativity.

              Yes, he succeeded in getting his work done but I am very sure, his creativity may not be well accepted by us Singaporeans. I thought it was an interesting caption and wanted this to share with all of you.

              P/s: I bet someone's gonna come into my blog and snatch all these pictures and start stomping them. I disclaim myself from this act. Haha.

              Enjoy.

              EDITED.


              THE ORIGINAL.

              Wednesday, 12 October 2011

              Just for Sharing : For the Ladies!

              This is taken from Facebook from a guy name Tu Nor. 


              ‎(¯`v´¯) 13 ALASAN TIPIKAL WANITA YANG ENGGAN MENUTUP AURAT
              `•.¸.•´`•.¸.¸¸.•**•.¸¸❤`•.¸.¸¸.•*❤ ¸¸.•*¨*•♫♥♥♥♥♥♥♥♥♥♥


              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              Pernah nasihat atau tegur kawan-kawan anda yang tidak menutup aurat? Jom kita tengok apakah alasan yang selalu digunakan wanita yang enggan menutup aurat apabila ditegur kesalahan mereka itu. Dan apa jawapan yang mungkin sesuai untuk mereka.??~~~>

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              1. Semua yang tutup aurat, confirm masuk syurga ke?

              -Yang pasti, kalau tak tutup aurat, confirm masuk NERAKA..Nauzubillah

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              2. Tudung labuh pun macam baik sangat. Buat dosa jugak. Mengumpat orang.

              -Bila Iblis tak mahu ikut perintah Allah untuk bersujud kepada Adam, dia menyalahkan perintah Allah itu. "Apahal pulak aku kena sujud, aku lebih baik dan mulia". Samalah seperti tudung. Tudung pula yang disalahkan, " pakai tudung tak mestinya baik..bla...bla...bla..."

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              3. Macamlah kau bagus sangat nak tegur aku. Kau dulu lagi jahat nak mampos.

              -Tidak tersabit larangan dari Nabi untuk seseorang yang bahkan baru masuk Islam untuk pergi berdakwah kepada kaumnya. Maksudnya, dakwah itu tuntutan. Selagi kau Islam, dakwah tu wajib walaupun kau sendiri tak berapa betul. Sekurang-kurang dia insaf dan bertaubat sekarang.

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              4. Walau kami pakai seksi tapi hati kami baik.

              -Adakah kau mendakwa diri kau mempunyai hati yang suci, iman yang tinggi dan kononnya ia sudah cukup menjamin maruah diri kau tanpa perlu menutup aurat?

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              5. Pakai jarang ke ketat ke, itu hak kami. Kalau tak suka jangan tengok.

              -Adakah kau berani menjamin bahawa semua lelaki ajnabi mempunyai hati suci dan iman yang tinggi untuk menahan godaan syaitan serta nafsu yang membuak-buak?

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              6. Kami rasa apa yang kami pakai tak seksi. Terpulang kepada individu yang memandang kami.

              -Seksi atau tidak, kau tetap berdosa walaupun hanya menayang sehelai rambut kau.

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              7. Walau kami tak bertudung, kami tetap solat dan puasa.

              -Apakah ibadat kau diterima? Kau yakin cuma dengan berpuasa sudah cukup untuk menjamin kau masuk syurga?

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              8. Suka hati kamilah nak pakai macam ni. Kami tak susahkan hidup orang lain.

              -Kau sebenarnya dah susahkan bapa, abang, adik, suami serta orang lain dengan menarik mereka ke neraka bersama kau disebabkan mereka tidak menegur dan gagal mendidik kau.

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              9. Apa yang kami pakai, ini antara kami dengan ALLAH.

              -Berani cakap di dunia, berani ke kau cakap macam tu depan Allah nanti? Lawan perintah Allah, Neraka tempatnya.

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              10. Kami pakai seksi macam ni, sebab ikut arahan photographer/pengarah filem untuk disesuaikan dalam scene. (ayat artis)

              -Sanggup patuh arahan mereka daripada patuh suruhan Allah?

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              11. Bukan kami tak mahu menutup aurat, cuma masih belum sampai seru.

              -Mati tidak mengenal usia. Tak takut ke mati dalam usia muda? Tak sempat nak bertaubat nanti.

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              12. Takkan nak buat perubahan secara drastik? Slow-slow la..

              -Boleh ke cakap kat Malaikat Izrail nanti, tunggu kejap! Lepak la dulu. Jangan ambil lagi nyawa aku.

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              13. Tutup aurat tu bagus tapi kami tidak mahu hipokrit kerana tidak ikhlas melakukannya.

              -Kalau begitu kau sebenarnya memang hipokrit kerana tidak ikhlas beragama Islam.“Wahai wanita, setiap ciptaan tuhan yang berharga di dunia ini akan terlindung dan amat sukar untuk diperolehi. Di mana kamu boleh dapatkan permata? Tertanam jauh di perut bumi, tertudung dan dilindungi. Dimana kamu jumpa Mutiara? Terbenam jauh di dalam lautan, tertudung dan dilindungi oleh kulit kerang yang cantik. Di mana kamu cari emas? Terperosok di lapisan bumi tertudung dengan lapisan demi lapisan tanah dan batu. Tubuh kamu adalah suci malah lebih berharga daripada emas mahupun permata. Oleh itu kamu juga perlu bertudung dan melindungi diri kamu.”

              •*""*•.¸❤❤¸.•*"*•.¸❤ ❤¸.•*" "*•.¸❤❤¸.•*" "*•.¸❤ ❤¸.•*" "*•.¸❤

              ~~>copy from sahabat FB..InsyaAllah,moga ianya bermanfaat buat kita semua..amin ya Rabb..

              Saturday, 8 October 2011

              What should I share?

              Humans need to learn how to keep a fine line between personal and public issues. 

              When we fail to differentiate, we may draw various opinions and reactions what more on issues that not concern the person's self but also involving others as well. These opinions and reactions may be right but it may also be wrong because us being humans, we tend to be judgmental of others, worse still, for someone we have clearly totally no idea about unless its proven black and white that they are such an ass.

              Why make it worse? It does not help a situation whereas it only make matters worse.

              Some tell almost every single thing about their personal life online. Why? Seeking attention or sympathy?

              Personally, maybe some would agree, its clearly hazardous to be telling everything about our personal lives online. Social spaces were formed to share ideas, network and interesting stuff not to draw unnecessary attention.

              Be wary of what we share on the various social networks. As much as we love this 'little' space to express ourselves, it is not the best place to resolve issues. Most of the time it worsens, jeopardize us and the last thing we want are someone we know to take his or her own life because of failing to draw a line between personal and public issues.

              Be careful of what we wish for...


              Sunday, 2 October 2011

              Syawal, you came and brought joy even for a while...

              This has been my long awaited post to sum up Syawal.
              Finally found some time to share this and many thanks to those who have contributed for this very post.

              I have received several photos of Syawal celebration and I am so excited to share with the readers. Lovely, wacko and whatever word that describes it, so happy to be receiving them!

              Maybe this post, less words, more pictures? Let these awesome pictures express our Syawal celebration here in Singapore. Bear in mind, it is not only for those are well but for everyone who find joy in celebrating it.

              So, it's my pleasure to share with you.

              Not only the joy in faces of people but also what we all feel is very essential in Syawal itself will be... GOOD FOOD! I have to thank Farihah (@blurtedkisses)  for the delicious looking photos!

              When I received this email, I admitted it was a very large file but was worth downloading it. Creative contribution indeed.


              After all the good food and the celebration, boys will be boys. They will never want to miss catching soccer on tv!


              And of course, Syawal brings us closer as a family. It doesn't matter if we all come from various different walks of lives full of different colors, what is important is we come together in this eventful month. One family which I know does better than anyone else is Irma's!
               Syawal's Aidilfitri celebration did not only bring families closer, friends as well as cousins. Happy faces everywhere. Let us bring joy and happiness! Smile! Snap!
              And if those weren't enough, feeling unwell did not stop someone from celebrating. Sajhira's poor sister got admitted on the eve of Syawal but that did not deprive her of the "standard" dishes to commemorate Syawal. 
              FYI, if you wonder what's inside those tupperwares, they consisted of rendang, sambal tumis telur, sambal  goreng, lontong and kari ayam. No wonder she's the (@foodgoddess_). Yummy!!!

              I hope everyone managed to celebrate Syawal one way or another, in a joyous manner. Now we will have to wait for another year to welcome this month again. May all you be blessed with great health, wealth and happiness with your loved ones.

              Remember, we live life once; so live life with great joy and happiness!

              Thanks again to those who have took some time to contribute to this post.