August 20, 2016

周深 歡顏 HD

歡顏 – 齊豫


Bukit Batok resale flat buyer aghast at 14 holes in ceiling

August 14, 2016

ST Paper, 13 Aug 2016, Bukit Batok resale flat buyer aghast at 14 holes in ceiling

Ms Arip, 44, and her husband bought the four-room resale flat in Bukit Batok because they felt it was good value for money at $320,000.

But their happiness has been marred by the discovery of not one or two – but 14 – gaping holes in the ceiling board of their living room.

Ms Arip and her husband, a food and beverage manager, bought the unit at Block 509 in Bukit Batok Street 52 on June 28.


An investigation found that the holes were probably created during the installation of the false ceiling by the past owner, said HDB.

“We have explained to the flat owner that these openings do not affect the structural stability or safety of the flat or the building,” it said.

Mr Rajan Supramaniam, a lawyer at Hilborne Law LLC, said that before buying a resale flat, valuation and inspection of the unit have to be done, and it is the buyer’s responsibility to do them properly. But he noted that, in this case, the ceiling was covered and the owner might not have seen it.

“If she had known about the defect during the valuation and inspection stage, then she could have asked the previous owner to absorb the costs,” he said, adding that HDB does not have to pay for repair of the holes, unless they make the building structurally unsound.

“If it’s a new flat such as a Build-To-Order one, and the problem concerns the workmanship, then HDB will bear responsibility,” he noted. “But if it’s a resale flat, and the defect is cosmetic and within the confines of the unit, then it would just become part of the buyer’s renovation costs.”

The “lemon law”, which protects consumers against defective goods, does not apply here, said Consumers Association of Singapore executive director Seah Seng Choon, as it does not apply to property.

Caring for Seniors

August 10, 2016

MyPaper, 10 Aug 2016, Page 5, Caring for Seniors

Caring for seniors

Caring for seniors (PDF)


Doing business at MRT stations could earn you a fine

August 3, 2016

TODAY, 3 Aug 2016, Doing business at MRT stations could earn you a fine
It is not uncommon these days to see people exchanging money and goods at MRT stations, often doing so across the fare gates so as not to incur any fare charges. SBS Transit, which runs the North East Line and Downtown Line, has reminded commuters that such a practice is prohibited.

It has put up notices at Beauty World MRT Station, stating that “no person shall for the purpose of any trade or business transfer any article or goods between the paid area and unpaid area unless the article or goods is taken by a person through a ticket gate”. Under the Singapore Statutes, offenders may be removed from the stations or fined a maximum of S$2,000. The long-standing rule seeks to discourage people from using public transportation for the delivery of commercial goods.

In a response to TODAY’s queries, SBS Transit spokesperson Tammy Tan said yesterday: “For commuter safety and security, we do not encourage loitering in our premises particularly at stations with high passenger flow.” She added that the notice was put up as the operator has seen “increasing numbers of commuters loitering to conduct what appears to be transactions on our premises”.


Lawyers told TODAY that there is sound legal basis for the ban. Compared with, say, a shopping mall, the human traffic is more concentrated at MRT stations, said Mr Amolat Singh from Amolat & Partners. The stations also serve a more essential purpose in comparison, he said. “The (human) traffic is very heavy, so that would have been in the minds of the lawmakers. The overriding purpose of the transit area is to facilitate public transport, for commuters to go in and out, not such unregulated transactions,” he added.

Noting that the exchange of parcels at MRT stations could be a security concern in today’s climate, Mr Singh added: “This must be becoming so rampant that the operators have to take action.”

Mr Jason Chan, director of Amica Law, reiterated that the station premises are owned by SBS Transit or SMRT. “They can impose any condition for entry. For that matter, the owner of any commercial building can impose conditions too,” he said.

Robot Kitty event staff lodge reports over unpaid salaries

July 28, 2016

TODAY, 28 Jul 2016, Robot Kitty event staff lodge reports over unpaid salaries

Event organiser: Mighty Eight
Director of Mighty Eight: Mr Jacky Teo Choon Leng
Incorporated: 19 August 2014
Paid-up capital: S$500,000.


They are in a bind because the contract they signed was a ‘contract for service’ instead of ‘contract of service’. According to the Ministry of Manpower (MOM) website, those under contract for service are independent contractors. They are not covered by the Employment Act and statutory benefits do not apply.

The staff told TODAY that while some of them have made police reports and have spoken to MOM officers, they were advised to seek their own legal advice, or to make claims at the Small Claims Tribunal, given the nature of their contract.


Mr Shashi Nathan, a partner at Withers KhattarWong, said for contract for service, “if you are not paid, it is a breach of contract” and the workers would have to sue the company if they want to move forward.

The contract, which signifies an agreement between two parties, may not always be a criminal matter, he added. “The police may not in all cases investigate. They will only investigate if a criminal offence has been disclosed, for example if there’s an element of cheating or deceiving somebody to enter into a contract.”

However, the outcome of the civil claim will depend on whether the company has money to pay them back, he said. “Even if you get a judgement against somebody, if he has no money it is just a paper judgement. Even if you bankrupt him you may be at the back of the queue…Other creditors who have secured debts with him like banks or Government agencies are way before an individual.”

Where to get an awesome bak chor mee fix in less than an hour

July 26, 2016

TODAY, 25 Jul 2016, Where to get an awesome bak chor mee fix in less than an hour


1. 132 Traditional Teochew Noodles (59 Marine Terrace, #01-105)

Eastsiders swear by this mee pok stall, which was founded in 1969 in Siglap Market. The stall has moved several times in the East Coast area and even spawned the also popular Jalan Tua Kong Lau Lim Mee Pok located in Simpang Bedok. The original stall is now helmed by founder Chan Sek Inn’s son Chan Choon Wing. Customers keep coming back for its light and springy noodles, which are never clumpy, and fresh ingredients such as prawns and fish cake. Toss them all with the fantastic chilli that is said to be made with buah keluak and shallots and you get a potent, heady bowl of comfort noodles at its best. Estimated queue time is about 20 to 40 minutes during peak periods.


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Banks’ credit card scheme could help California Fitness clients get refunds

July 26, 2016

TODAY,  24 Jul 2016, Banks’ credit card scheme could help California Fitness clients get refunds

A little-known clause called the chargeback scheme may offer a recourse for some California Fitness customers seeking refunds following the fitness chain’s closure.

Offered by credit card companies like Visa, MasterCard and American Express, the scheme allows cardholders to claim money back if the goods and services they paid for do not arrive or are faulty or if the merchant has gone bust.

Three out of five banks contacted by TODAY said those who have used their credit cards to buy California Fitness packages are entitled to refunds, subject to varying caveats and administrative requirements.

Affected customers holding OCBC Bank credit cards will have to submit a credit card dispute declaration form along with a copy of their membership contract and credit card statement displaying the transaction with California Fitness.

“OCBC Bank will then help them raise a dispute through Visa/MasterCard to the merchant’s bank under ‘services not rendered’,” said a spokesperson.

While the chargeback amount is limited to the time frame of services not yet utilised, those with lifetime memberships are entitled to a full refund, he added, as it is not possible to gauge each customer’s lifetime accurately.

For Citibank cardholders, there is a 120-day limit on claims, starting from the day of transaction. Cardholders requesting chargeback must also satisfy requirements such as providing the bank with “relevant documents”, it said.

DBS said its cardholders are entitled to chargebacks “in most cases”, if less than 18 months have passed since the day they entered into a contract.

DBS customers who have taken up instalment plans, however, are to seek recourse with the Small Claims Tribunal.

In its latest advisory on the episode, the Consumers Association of Singapore (Case) urged affected customers to ask for chargebacks, but said this applied only to those with “month-to-month membership packages”.

“Consumers who have purchased pre-paid or fixed-term membership should note that they may still be liable to make monthly repayments to the bank if the bank had already paid California Fitness in full,” said Case.

There are currently no regulations here governing chargeback protection. The Association of Banks and the Monetary Authority of Singapore do not have guidelines for disputed credit card transactions.

[Related News]
TODAY, 18 December 2009, Credit card users could get protection through chargeback scheme

How to find all windows version serial key

July 24, 2016

1. From: answers.microsoft.com

Set WshShell = CreateObject(“WScript.Shell”)
MsgBox ConvertToKey(WshShell.RegRead(“HKLM\SOFTWARE\Microsoft\Windows NT\CurrentVersion\DigitalProductId”))

Function ConvertToKey(Key)
Const KeyOffset = 52
i = 28
Cur = 0
x = 14
Cur = Cur * 256
Cur = Key(x + KeyOffset) + Cur
Key(x + KeyOffset) = (Cur \ 24) And 255
Cur = Cur Mod 24
x = x -1
Loop While x >= 0
i = i -1
KeyOutput = Mid(Chars, Cur + 1, 1) & KeyOutput
If (((29 – i) Mod 6) = 0) And (i -1) Then
i = i -1
KeyOutput = “-” & KeyOutput
End If
Loop While i >= 0
ConvertToKey = KeyOutput
End Function


2. How do I find the OEM key of UEFI

If your computer or laptop has been preinstalled Windows 10 professional activation and you want to view OEM key (which is stored in the UEFI motherboard), you can use a simple command that must be run on the command line.

WMIC path softwarelicensingservice get OA3xOriginalProductKey


3. Some alternative Software Key Finder tools:

July 22, 2016

TODAY, 21 Jul 2016, More households to be eligible for computer subsidies


The NEU PC Plus Programme lets students and persons with disabilities own a new computer at a discount of up to 75 per cent, bundled with three years of free broadband access.

From September, the maximum monthly household income threshold for one to qualify for this programme will be raised from S$3,000 to S$3,400.

The per-capita income cap for low-income households will be raised to S$900 (from S$800), or S$1,125 (from S$875) if there is a family member with disabilities.

This means paying as little as S$239 for a desktop or S$248 for a laptop.

Application for the scheme will also be streamlined so that special education students already on financial assistance will automatically qualify for a higher subsidy.


Quick simple advice on how to tackle common legal issues

July 3, 2016

ST Paper, 2 Jul 2016, Quick, simple advice on how to tackle common legal issues


If it is your first time dealing with a lawsuit or a court case, this is a good stop. This independent charity offers a wide range of aid, including referrals to legal services agencies and legal information. CJC is based in the State Courts and aims to ensure that litigants in person (LIPs) have access to justice through community partnership. The website lists programmes and support services available to help people who need legal aid for cases that include civil claims of less than $60,000, as well as divorce and criminal cases.

You can also download the Justice@State Courts mobile app from Google Play or the App Store to access the relevant information using mobile devices. Visit the State Courts’ YouTube channel for informational videos about key processes, and check out the Facebook page for updates on their programmes.

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