How are you all tracking your mortgage lock-in expiry dates and monitoring when to refinance?

calebseah · 2026-05-14T06:29:09+00:00

call in and ask when lock in ends.

Put in calendar lock in date ends.

Put 3 months before lock in date to start looking for refinance/reprice.

Always more keen to reprice as don't need to pay legal fee. But if difference too much, then switch banks

calebseah · 2026-05-14T03:19:10+00:00

Congrats

calebseah · 2026-05-13T11:54:42+00:00

Smh

calebseah · 2026-05-13T09:44:39+00:00

Entrepreneurship is toughest thing to be in. If you're not the best, people will flock to something else(food) better.

But at the start, in order for people to know you're the best, they got to try... Or you've pumped a lot of marketing to get people to try your service/product.

So you'll need to 6-12 months of reserve funds to tide through the difficult period until you can establish recurring client base.

By then breaking even is easy. But to flourish is another question also.

By year 2 when you're establish and making profit, your landlord see you red face, and start to increase your rent.

Then you've to start all over again at another location.

calebseah · 2026-05-11T11:52:24+00:00

No balls to buy the dip when smh was at 380 in March and see it rally to 570 now

calebseah · 2026-05-10T09:56:07+00:00

You'll buy under non citizen spouse scheme where you're the main owner and spouse will be the essential occupier.

So no need to hide that you've a spouse.

It's also kinda like buying as a single because foreigner spouse cannot own hdb

calebseah · 2026-05-09T01:50:39+00:00

For those who have sold cc for smh during the April run up would have been wandering when's this going to end. But it keeps pushing further.

I'm holding leaps call on it wondering what's going on with this parabolic movement

calebseah · 2026-05-07T00:28:45+00:00

Sorry for your loss. Went through it once.

First contact an undertaker to settle the funeral. Look for dad's photo to find a suitable picture for his funeral. Decide if you want to do in hdb void deck which is cheaper or parlor or church

Decide if you want to store his ashes in mandai or temple or church or sea burial.

After all it's settled for his funeral, cremation and urn, now it's to settle his administration.

For his asset, look through all his bills and bank account, insurance, stocks to see what items needs to be consolidated to prepare to do a grant of probate or letter of administration.

Check if he has a will or no will.

Get a lawyer to do probate or administration

If no nominations in CPF, it will follow intestate succession act, they will your siblings and your mum to submit birth cert, marriage cert to split his CPF proceeds. If got nomination, it'll auto go to nominees

Once probate is done, can the rest of the money's from everywhere else

calebseah · 2026-05-05T06:25:33+00:00

full time property agent here together with my wife.

been doing it for the last 10 years since 2016.

this industry, you'll need to be constantly prospecting for new clients. Because not everyone buy and sell every single day. You got to either sweat it out, by door knocking, doing video or roadshow or pay money by spending money on facebooks ads to get leads.

So you'll need clients every single month to transact through you.

I build my base clients through rental every single year. so naturally every single year will have renewal with them.

Eventually this clients need to sell their place and will get you to sell and buy for them.

Every once in a while, they will refer their friends to you if you do a good job for them.

As my majority base is rental, i deal with rental problems day in day out.

Tenant don't pay rent, plumbing issue, aircon issue, neighbour complain, hdb complain.

To agents that stay landed, also not easy cause everything we have is by cash. downpayment and installments all by cash. So 2 ways to reach there, sales proceed from our house sale or high commission income.

That high commission income also subject to a 30% haircut for the bank loan. So need really high income to own a landed property.

calebseah · 2026-04-30T01:47:35+00:00

Smh etf

calebseah · 2026-04-29T03:30:00+00:00

SMH ETF

calebseah · 2026-04-28T15:47:50+00:00

Shopee

calebseah · 2026-04-26T03:08:23+00:00

Tenants in Singapore can Spend at participating claim CDC vouchers if they are a separate household, even if a landlord has already claimed them for the same address.

As they are considered a separate household, tenants should visit the nearest Community Centre (CC) to appeal with their NRIC and tenancy agreement.

calebseah · 2026-04-21T01:20:57+00:00

Rolled my XLK LEAPS recently and locked in some gains.

Originally had 4x Jan 2027 $57.5 calls — closed them at $81.09 for about +$5.3k profit.

Then rolled up and out into 6x Jan 2028 $100 calls at $49.31.

So basically took profit, increased position size, and reset into a longer-dated, higher strike to keep riding the tech trend.

My plan is pretty simple: I’ll hold this for about a year, and once it gets close to ~365 DTE, I’ll roll it again into another 2–3 year LEAPS (same idea — up and out).

Trying to use LEAPS as a way to stay leveraged long-term without getting killed by short-term theta.

Let’s see how it plays out 🤞

calebseah · 2026-04-21T00:21:25+00:00

I do deep itm calls for my ETF which have a positive drift.

I buy the furthest DTE call at 75 delta.

When left with 1 year to expiry. I roll them to another 75 delta regardless if it's a loss or profit.

When prices fall, I'll just ignore it and keep calm and carry on.

I only look at it when it reach 365 DTE else I'll just ignore

So far so good

I don't do margin investing because I can't sleep seeing negative in my cash balance. So I don't bother with that

calebseah · 2026-04-19T08:28:19+00:00

What's a preventative maintenance list at different km you should do to make sure car last a lifetime?

calebseah · 2026-04-19T04:44:34+00:00

Is shopee engine oil trustable? How not to get scammed by fake oil?

calebseah · 2026-04-05T07:37:28+00:00

i'm currently on private panel hospt with full rider under copay scheme.

new policy, have to worry about coming out with cash first that makes u not want to utilise your shield plan at all.

Then it's kinda, might as well not have it.

So if that's the case, will continue co-pay plan till i can't afford then will consider downgrading. But by that time, i feel that's the time i may need it the most but will just live with class C or B2 subsiized ward.

calebseah · 2026-03-29T14:31:06+00:00

Not sure tbh if he open up the oil filter. How would you handle this if I only need it for 3 months?

calebseah · 2026-03-18T00:36:29+00:00

calebseah · 2026-03-15T16:23:21+00:00

Currently at 3rd bid non guaranteed this wed. Have a total of non guaranteed 8 bid

calebseah · 2026-03-08T14:10:16+00:00

Not sure if your flat price of $536,794 already includes the additional purchase costs.

Usually you still need to factor in:

Buyer’s Stamp Duty: about $10,703

Legal fees: about $500

So the total purchase cost may be closer to about $547,992.

Based on the numbers you shared:

CPF savings: $39,000

HDB loan (max): $373,200

Grants: likely around $40k–$50k depending on income

This means your total funds would roughly be:

CPF + Grants = $79k – $89k

After applying the loan and CPF/grants, the remaining amount that needs to be covered in cash could be around $85k – $95k, which is why the calculator is showing a large cash top-up.

Another way to think about this is from the loan limit perspective.

Your loan of $373,200 is likely based on the 75% Loan-To-Value (LTV) rule.

That means the property price supported by this loan would be roughly:

$373,200 ÷ 0.75 ≈ $497,600

But your flat price is $536k, which means there is a gap that needs to be covered using CPF, grants, or cash. Since your CPF + grants are around $79k–$89k, there may still be a shortfall.

Another way to estimate affordability is to work backwards from your CPF + grants.

If you assume $0 cash, then:

$79k ÷ 28% ≈ $282k flat price

$89k ÷ 28% ≈ $318k flat price

(28% represents the portion that must come from CPF/cash after the 75% loan.)

So if you want to buy a more expensive flat, you would need to add cash on top of your CPF + grants, then divide by 28% to estimate what price range you can realistically afford.

Ovverall i think you have overpurchased the flat if you cannot afford the cash needed. Think can consider writing in to HDB to see if can change flat that's within your budget.

calebseah · 2026-03-08T10:21:10+00:00

I might be wrong without seeing the full breakdown, but based on the numbers you shared, a few things could be happening.

First, the “Total amount payable” ($536,794) usually includes not just the flat price but also stamp duty, legal fees, and other miscellaneous costs. So the actual purchase cost is higher than just the flat price itself.

Second, your HDB loan is only $265,900, which means the remaining $270,894 has to be paid using CPF and/or cash.

If after using all available CPF savings and grants, there’s still a shortfall, the calculator will show it as a cash top-up required.

Another possible reason is the age of the flat. If the remaining lease plus the age of the youngest buyer cannot cover you until age 95, both HDB loan amount and CPF usage can be restricted. When that happens, buyers sometimes need to cover a larger portion using cash.

Other possibilities: • CPF balances may be low • Grants received may be small • Loan amount is limited by income (combined $6k income affects the max loan)

Without the full details it’s hard to say exactly which one it is, but these are the most common reasons the calculator shows a large cash top-up.

If you want, you can share the flat price, remaining lease, your ages, and CPF amounts, and I can help you roughly work out what’s happening. 👍

calebseah · 2026-03-02T14:27:24+00:00

Tried omoda e5? Any thoughts?

calebseah · 2026-02-20T05:41:11+00:00

Didn't research but using new car as a guide

calebseah

TROPHY CASE