surfedelic

Thanks for pointing out .....our New form of brine shrimp without heads

You dont need to buy UV glass just normal standard tempered glass will shield 97 % of UV. If you are unsure you can check on the net from those who uses DE lighting.

That's interesting .... I thought BBS comes in 2 form ... the decapitated and the non-decap form .. and both works fine for me without any problem. The fastest way to kill hydroid is just mix fresh salt mix and and change about 20% of your tank water .... maybe do that everyweek .... usu the hydriod will die off ... it works for me. They just disappeared after some time.

Nice setup .... love your cabinet .... I have seen your old setup .... corresponded with you before SRC crashes and all data gone .... I am also planning to drill my walls to pipe the chiller heat to the open in the near future ..... as i am moving my tank into the living room curently it is in the open area of my balcony. Might need your advice ...

too used to comfort ......wait till you get a car .... you will know what is comfort .... you can't live without one ...

The problem is a budget is always a small sum of money but with big big plans .... so plan wise. For a typical 2 seater car .... - extra cost comes from insurance .... take for instance Z3 insurance cost about 3K + including NCD hor ....i believe the RX8 ...is not far from it but cheap road tax .... rotary engine .... so be prepared to pump more petrol.... but the car look real good. But I agree with the rest that chances of driving a 2 seater is usu once ...before marriage and just after marriage ........ The other day I saw a lady driving a renault 206 convertible ... and i saw her tucking her kid at the back seat ...... I really pity the kid ...there was hardly any space .... So since you have 2 person and the price are real damn low ..... you are in a position that many of us envy ......

Bread also got superior quality ones ..... breadtalk ...1 piece can buy one plate of lasi lemark ..... Creetin, it is really an open questions with alot of factors ... like make of car, cost of maintenance ....price of COE of exisitng car .. loan penalty .... new car price ... new COE price ...so the list is about there ..... you have to find a comfortable position in the midst of these factors.

Natural skimmer thread ...... until our brains no more nutrients .... no need red dragon .... now back to the questions when is the best time to buy car ... I think it is like share market now ..... depending on when you think you can sell/buy the shares ................don't want to give the wrong advice otherwise kenna hamtum ....especially boss is also eyeing on the wheels ....

Wah meaning those come to forum very poor .... your statement kills the entire padifield .... but got a point there ... hammanbmw, Your car definitely belong to the new category ....

Yah man ..... ....hey but wait ...you poor meh .... got ferrari pump .... mime only a korea-made hyundai equivalents - haliea pump .. only poor man like us so calculative .......

With the curent trend of Parf value reducing - car should be cheaper (doesn't seems to be the case) ..... WL what you said "Got PARF no PARF the annual depreciation also around the same. " By right the car price should drop but it doesn't seems to be the case ... I think the car dealer will play a waiting game until the market is dry then they lower down the car price.... then your depreciation should be lower .... I think this year will be an exciting year - they found that the number of pple scrapping car in the year 2004 is relatively high .... so prepare to have more excess COE rolling in for biding all the way to May ....+ PARF reduction in April .....these news is sufficient to guesstimate a reduction on the overall car price tag.. ... which also means car price should not be able to sustain in the long run based on the current price tag ..............History will repeat itself ...those who bought with the old parf 130% will also change car ....as there is no point chalking up higher depreciation if the current COE plummet to new lows ..... and in the end more car will be scrapped again and then more COE ..... properly this will last another year ......before the saturation point is reached where there is no more old parf left .........and only the rich change car.

Creetin, You are dead right .. 2nd hand car cushion you from the up and down of COE ... especially now the government want to remove the PARF slowly ...and totally ... so the next moment you know your car value plummet till 1/2 the value when they announce. The only concerns is of course the condition of the car ... you can never be sure .... the technology is so advance untill you can't tell whether it is repaired or not ... so if you buy 1 - 2 years not too bad really ...a steal as it is still under warranty.

Wah .. WL ... you have a meter for the PO4 - manual or mechanical

The problem with Seachem product is that it required some kind of range to work properly ... take for instance Seachem nitrate- reducer (not sure what is the actual name ) it only works if your nitrate level is not more than 20 ppm ... if it is more than that ... it will not work ...

Patience is the name of the game ..... if you could drive the longer ... the better .... the COE is already reaching saturation point soon.... according to what i read the current bid is only 1.2 bid per COE .. whereas in the past it is like 4 to 5 bid per COE ..... ... toyotas SE told me they are changing job soon ... ... it will not be the same again. But Agree strongly the market sentiment is not so promising for this year as compared to last year ... so expect ...more roller coaster COE .....

Everytime I use Rowa I will wash it slightly ... though it recommend not to wash ... as I think the particles flowing into the water column might have something to do with the sps RTN ......so far I use it without any major problem .. though sometimes when i change new Rowa media ... i will siphon the so call dust from my sump area even though after the slight wash ....there are still some which will flow back to the sump...

But not the case actually .... the car price they quoted me is pegged at the current price COE ... so I calculate ... even if I get 14K .. it is still cheaper .. not sure what the catch .. heard from my friend that the OMV is different from some car dealer .. so got to be wary ..... My car is like yours also left about 1.5 years to reach 5 years .... but actually if scrapped earlier might be the same because the COE is half of what i am having now ..... if your COE is 30+ then every year depreciation is 3K if now ..... lets says 14K .... then it is only 1.4 K /yr ... anyway it is going to be scrapped ... but the body for export ... not sure any bro outside got any lobang in car export ... if approach the car dealer .. sure kenna "tok" here and there ...

I think the urges to buy new car is very high with the decreasing COE trends ............. maybe downgrade to smaller cc car ........ But I am quite surprise nowsaday you can bid your COE and buy the car separately from the car dealer .......in the past .. even if you bid ..... nobody is going to sell you the car ..

Diabolus, I checked it out ..... with regards to your definition of HP act or non-HP act. The definition given by you is correct......but the bank are still using the rule 78 according to my friend who deals with car loan regardless of HP act or non hp act.. ... in order to protect themselves ......but of course .. there are other things which stick to rule 78 eg. period of notification before repossess of cars.. With regards to the removal of rule 78 to benefit consumer -- the government wants to have more transparency as to all the charges the bank made to the consumer ..... and the government assume the consumer is wise enough to sign on the dotted line having understood all the underlying T & C . Anyway having said all that ... I fully agree with you that it is a steal with the current price ...... but given our kind of lifestyle .. singaporean change car like changing clothe ........I dont think anybody drive their car more than 7 years .....

Hmm .... that's sound interesting .... BTW .... he already got the car ..... He bought a vios ........

But where got break even point ? ...now the break even point is not 5 years also ..... if you scrap the new car for the first 5 years .. you only get roughly 82.5 % of your OMV ... .. the moment you roll out the new car .. they already break your "arms and legs "

I spoke to my friend who works in the bank. He told me the rule 78 was mandatory in the past. But the government didn't scrapped it if you read it down to the dot... now the bank have free play meaning it is up to them to have rule 78 still in the new loan basically to protect them .... but in addition with another 20% interest rebate penalty currently. If you don't want to have rule 78 tied down and the additional interest rebate penalty then you take the floating interest option.... so whichever suits you .... Diabolus, I am not sure with regards to your category ....My FIL pay 50% for the car so his loan amount is only 30K ... I even checked twice with the SE why there is a 20% interest rebate ....she told me it was standard

No more penalty is definitely not true because my father-in-law just collect his car last week - I verified with the SE .. she told me there is a 20 interest rebate penalty..... for early termination.

From what I know there is another 20% interest rebate penalty on top of the HP act - rule 78 with effect recently. This is what I understand from a friend who works in the Bank.