Matthiaspeaks: August 2016

Mortgage Loan Calculation (with more details than the one on HDB website)

Since most of us will be tapping on Govt's BTO projects to get their very first subsidized flat, I thought this might be something useful for those with less financial knowledge.

You may have tried using this calculator from HDB to find out your estimated monthly payments, but this calculator doesn't show how much interest you will be paying.

But I had found this alternative calculator from this website (below) which not only show the total interest but also the breakdown of your payments.

http://www.excelfunctions.net/Excel-Mortgage-Calculator.html

Basically, once you have downloaded the excel (you may click here to download), you will input the info on the left and the rest will be shown on the right (boxed in red) and if further scroll down the excel, you will get to see the breakdown of your payments and the monthly balance.

Below is an example on how you can derive more info of your loan (boxed in red) when you are intending to borrow $300000 (balance to pay after CPF deduction) from HDB with your inputs filled in the beige boxes. You may adjust the conditions accordingly to the interest, how much and how long you would like the loan to be. Since this is probably one of your biggest loans in this life time, do set a few scenarios and select the one which you and your spouse is most comfortable with!

Do share this if you think it would be helpful to anyone around you who is planning to get their own HDB flats!

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, by Unknown

DIY

Interesting DIY Greenhouse That Can Be Done At Home

As all of us know that looking at greens are good for our eye sight, but how often you look at them? You might have the best designed furniture and home decorations, but you just felt something was missing. Try having some houseplant in your home to fill up the lack of touch in real life, it can be the cheapest houseplant you can get from the nursery. Here are some very common houseplants you can find anywhere else in Singapore that need little attention on them.

Money Plant

Snake Plant

Succulent

Or if you like plants that need to be placed in the Greenhouse, here are some great DIY ideas too! You can recycle trash and make them into greenhouse at home! Yesterday I came across my friend's post on how to DIY your own greenhouse article by The Outliers. Talking about how he/she did he/her own greenhouse from containers and trying to germinate the Venus Flytrap seeds at home. Here are some of the examples of what the The Outliers had posted on what he/she did and other example he/she grabbed online.

"I poked holes at the top of the outer container for ventilation of air circulations and excess heat to escape. I tried 2 different methods of planting the seeds, 1 is using the soil the other using cotton wools."

"strings connected to the water which touches the cotton wools for the right container (image below), making sure that they are always in the moist condition."

Credit to: The Outliers
http://www.theoutliers.sg/index.php/2016/08/21/how-to-create-your-diy-greenhouse/#.V7qHSmWO7wc

We are going to try it when we got our new house! :D Happy planting!

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, by Unknown

bottle

I Am Ready To Catch 'Em All! Pokemon Go!

LOL! It was nice seeing this notice, but really don't forget to hydrate yourself while searching for the Poke Monsters! Remind your kids to drink more water too! Pokemon Go!!!