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	<title>Comments on: Year In Review: HDB flats &#8211; subsidy, affordability, prices.</title>
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	<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/</link>
	<description>a community of Singaporeans</description>
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		<title>By: Ravin</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-140012</link>
		<dc:creator>Ravin</dc:creator>
		<pubDate>Sun, 11 Apr 2010 08:28:37 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-140012</guid>
		<description>Great article. Many foreign buyers is converting to PR and buying HDB with high cash that causes the market to go unstable and COV is peak all time</description>
		<content:encoded><![CDATA[<p>Great article. Many foreign buyers is converting to PR and buying HDB with high cash that causes the market to go unstable and COV is peak all time</p>
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		<title>By: PeeAndPoo</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-130789</link>
		<dc:creator>PeeAndPoo</dc:creator>
		<pubDate>Sat, 20 Feb 2010 15:49:27 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-130789</guid>
		<description>Have we forgotten that some 38,000 HDB flats were left unsold for a few years sometime around 2001 .Then HDB started the &quot;5 minutes&quot; flat sales...where one can buy a flat in just a few minutes!
And it&#039;s not hard to sell HDB flats anymore when our gates are wide open to so-called &quot;Foreign Talents&quot; .The influx of FTs has since artificially created demand for flats and its spiralling prices.
But the PAP&#039;s quick-fix has overlooked the social costs and burden to Singaporeans... </description>
		<content:encoded><![CDATA[<p>Have we forgotten that some 38,000 HDB flats were left unsold for a few years sometime around 2001 .Then HDB started the &#8220;5 minutes&#8221; flat sales&#8230;where one can buy a flat in just a few minutes!<br />
And it&#8217;s not hard to sell HDB flats anymore when our gates are wide open to so-called &#8220;Foreign Talents&#8221; .The influx of FTs has since artificially created demand for flats and its spiralling prices.<br />
But the PAP&#8217;s quick-fix has overlooked the social costs and burden to Singaporeans&#8230; </p>
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		<title>By: Jeff</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-127724</link>
		<dc:creator>Jeff</dc:creator>
		<pubDate>Sun, 31 Jan 2010 17:04:40 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-127724</guid>
		<description>tiredsingaporean on 3 January: Two quotes come to mind.

#1 “If you tell a lie big enough and keep repeating it, people will eventually come to believe it. The lie can be maintained only for such time as the State can shield the people from the political, economic and/or military consequences of the lie. It thus becomes vitally important for the State to use all of its powers to repress dissent, for the truth is the mortal enemy of the lie, and thus by extension, the truth is the greatest enemy of the State.”

#2 “Think of the press as a great keyboard on which the government can play.”

Joseph Goebbels is not exactly the role model most of us would want for anything Singaporean...</description>
		<content:encoded><![CDATA[<p>tiredsingaporean on 3 January: Two quotes come to mind.</p>
<p>#1 “If you tell a lie big enough and keep repeating it, people will eventually come to believe it. The lie can be maintained only for such time as the State can shield the people from the political, economic and/or military consequences of the lie. It thus becomes vitally important for the State to use all of its powers to repress dissent, for the truth is the mortal enemy of the lie, and thus by extension, the truth is the greatest enemy of the State.”</p>
<p>#2 “Think of the press as a great keyboard on which the government can play.”</p>
<p>Joseph Goebbels is not exactly the role model most of us would want for anything Singaporean&#8230;</p>
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		<title>By: Utter Disbelief</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-127714</link>
		<dc:creator>Utter Disbelief</dc:creator>
		<pubDate>Thu, 28 Jan 2010 11:28:32 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-127714</guid>
		<description>A 5 room HDB in the East was posted in Property Guru with an aksing price of $990,000! Total absudity!</description>
		<content:encoded><![CDATA[<p>A 5 room HDB in the East was posted in Property Guru with an aksing price of $990,000! Total absudity!</p>
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		<title>By: The Singapore Daily &#187; Blog Archive &#187; Weekly Roundup: Week 02</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-125975</link>
		<dc:creator>The Singapore Daily &#187; Blog Archive &#187; Weekly Roundup: Week 02</dc:creator>
		<pubDate>Sat, 09 Jan 2010 03:12:07 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-125975</guid>
		<description>[...] - TOC: Year In Review: HDB flats – subsidy, affordability, prices. - Singapore Alternatives: Mah Bow Tan &#8220;Caught off guard&#8221;? - TOC: HDB flats – a [...]</description>
		<content:encoded><![CDATA[<p>[...] &#8211; TOC: Year In Review: HDB flats – subsidy, affordability, prices. &#8211; Singapore Alternatives: Mah Bow Tan &#8220;Caught off guard&#8221;? &#8211; TOC: HDB flats – a [...]</p>
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		<title>By: hopeless</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-125374</link>
		<dc:creator>hopeless</dc:creator>
		<pubDate>Wed, 06 Jan 2010 00:59:33 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-125374</guid>
		<description>prepare to move out of singapore if pap wins again. let the 66.6percent enjoy this country......</description>
		<content:encoded><![CDATA[<p>prepare to move out of singapore if pap wins again. let the 66.6percent enjoy this country&#8230;&#8230;</p>
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		<title>By: PropertyGuru</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-125191</link>
		<dc:creator>PropertyGuru</dc:creator>
		<pubDate>Tue, 05 Jan 2010 08:09:53 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-125191</guid>
		<description>Here is a new artcile regarding surge in HDB prices that I hope will be useful to you:

http://www.propertyguru.com.sg/news/2010/1/27071/hdb-resale-prices-surge-3-8-to-hit-record-high</description>
		<content:encoded><![CDATA[<p>Here is a new artcile regarding surge in HDB prices that I hope will be useful to you:</p>
<p><a href="http://www.propertyguru.com.sg/news/2010/1/27071/hdb-resale-prices-surge-3-8-to-hit-record-high" rel="nofollow">http://www.propertyguru.com.sg/news/2010/1/27071/hdb-resale-prices-surge-3-8-to-hit-record-high</a></p>
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		<title>By: Loonged again and again</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-125038</link>
		<dc:creator>Loonged again and again</dc:creator>
		<pubDate>Mon, 04 Jan 2010 16:36:51 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-125038</guid>
		<description>I saved and saved over many years with my meagre pay to pay and pay for a flat i hope to buy to get married.

Now , all have to be delayed. The price went up again just when i thought i was getting near. The goal post shifted , again, so to speak.

sigh.

i must stop this madness. I have decided. Its this time or no more chance. I dare not imagine my future.</description>
		<content:encoded><![CDATA[<p>I saved and saved over many years with my meagre pay to pay and pay for a flat i hope to buy to get married.</p>
<p>Now , all have to be delayed. The price went up again just when i thought i was getting near. The goal post shifted , again, so to speak.</p>
<p>sigh.</p>
<p>i must stop this madness. I have decided. Its this time or no more chance. I dare not imagine my future.</p>
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		<title>By: AffordableFerrari</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-124921</link>
		<dc:creator>AffordableFerrari</dc:creator>
		<pubDate>Mon, 04 Jan 2010 10:19:31 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124921</guid>
		<description>It&#039;s an absolute disgrace!   Based on MBT&#039;s shameless abuse of &quot;statistics&quot;, we can even conclude that Ferraris are afforable cause most Ferrari owners can afford them.</description>
		<content:encoded><![CDATA[<p>It&#8217;s an absolute disgrace!   Based on MBT&#8217;s shameless abuse of &#8220;statistics&#8221;, we can even conclude that Ferraris are afforable cause most Ferrari owners can afford them.</p>
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		<title>By: tiredsingaporean</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-124677</link>
		<dc:creator>tiredsingaporean</dc:creator>
		<pubDate>Sun, 03 Jan 2010 13:13:38 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124677</guid>
		<description>35) Wahahaha! on December 30th, 2009 2.56 pm
I ask a simplest of all questions to you the so-called highly educated:

Q: Who knows how many would have voted for the PAP if there is no walkover?
A: ???
See if you can answer this question.
Does the DOS knows too?

Not be surprise if they can cooked up a story later and the whole nation would be a total walkover without anymore GE by just telling you more and more people are threatening the internal security of the nation, possible? yes of course!</description>
		<content:encoded><![CDATA[<p>35) Wahahaha! on December 30th, 2009 2.56 pm<br />
I ask a simplest of all questions to you the so-called highly educated:</p>
<p>Q: Who knows how many would have voted for the PAP if there is no walkover?<br />
A: ???<br />
See if you can answer this question.<br />
Does the DOS knows too?</p>
<p>Not be surprise if they can cooked up a story later and the whole nation would be a total walkover without anymore GE by just telling you more and more people are threatening the internal security of the nation, possible? yes of course!</p>
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		<title>By: soulfly</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-124667</link>
		<dc:creator>soulfly</dc:creator>
		<pubDate>Sun, 03 Jan 2010 11:04:01 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124667</guid>
		<description>cpf (if not)…. is the largest bank if to be compared to the 3 local banks….. like co-operative funds that can be easily and readily provided…. however, being a trustee institution, till date, there is no annually audited figures published for the public for viewing.

interestingly, each and every time, cpf is tweaked with petite interest adjusted, is still unable to meet with the ever increased inflation cost.

for the younger generation, getting to be married before age 30 and a hugh housing loans for 25 – 30 years. By then, both in age 60 – so today cpf for the younger generation is to pay for your H igh D ebt B urdens. don even think that both cpf are sufficient for your gracfully retirement.

ThinkAll @”Debt becomes a social, economic and political control.”
LKY publicly said it is his intention to get singaporeans into debt (read: heavy debt) as a way for them to “have a stake in the system” and not “rock the boat”.
The unsuspecting usual singaporean may think nothing about this and might even agree with him, yes people need to be motivated to work and work towards the better good of singapore – but they only need to realize that this means the PAP government is literally imposing crippling indirect taxes on the people and subject them to a lower standard of living which they would otherwise have. (which could develop a viable domestic market – never quite understood the PAP argument that domestic market is based solely on population size. surely disposable income is a better gauge?)
To add insult to injury, the huge capital proceeds from land and property sales are funneled and redirected eventually to our GLCs Temasek, GIC…etc which suddenly owes no transparency or obligation, or for that matter, pay interest to the people of singapore whose money they used.
Not to mention singapore is a highly volatile economy with no social safety net. High debt exacerbates the financial and social stress on singaporeans which indirectly leads to low, almost non-existent birth rates, which leads to the PAP government having the excuse to import foreigners which further increases the social stress factor.
So perhaps singaporeans should stop and think about the symptoms of their lives and question the root causes of them.</description>
		<content:encoded><![CDATA[<p>cpf (if not)…. is the largest bank if to be compared to the 3 local banks….. like co-operative funds that can be easily and readily provided…. however, being a trustee institution, till date, there is no annually audited figures published for the public for viewing.</p>
<p>interestingly, each and every time, cpf is tweaked with petite interest adjusted, is still unable to meet with the ever increased inflation cost.</p>
<p>for the younger generation, getting to be married before age 30 and a hugh housing loans for 25 – 30 years. By then, both in age 60 – so today cpf for the younger generation is to pay for your H igh D ebt B urdens. don even think that both cpf are sufficient for your gracfully retirement.</p>
<p>ThinkAll @”Debt becomes a social, economic and political control.”<br />
LKY publicly said it is his intention to get singaporeans into debt (read: heavy debt) as a way for them to “have a stake in the system” and not “rock the boat”.<br />
The unsuspecting usual singaporean may think nothing about this and might even agree with him, yes people need to be motivated to work and work towards the better good of singapore – but they only need to realize that this means the PAP government is literally imposing crippling indirect taxes on the people and subject them to a lower standard of living which they would otherwise have. (which could develop a viable domestic market – never quite understood the PAP argument that domestic market is based solely on population size. surely disposable income is a better gauge?)<br />
To add insult to injury, the huge capital proceeds from land and property sales are funneled and redirected eventually to our GLCs Temasek, GIC…etc which suddenly owes no transparency or obligation, or for that matter, pay interest to the people of singapore whose money they used.<br />
Not to mention singapore is a highly volatile economy with no social safety net. High debt exacerbates the financial and social stress on singaporeans which indirectly leads to low, almost non-existent birth rates, which leads to the PAP government having the excuse to import foreigners which further increases the social stress factor.<br />
So perhaps singaporeans should stop and think about the symptoms of their lives and question the root causes of them.</p>
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		<title>By: MeeSiamAiHum</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-124662</link>
		<dc:creator>MeeSiamAiHum</dc:creator>
		<pubDate>Sun, 03 Jan 2010 10:09:54 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124662</guid>
		<description>Look below the U-tube screen after you are done with Part 1 and you will see part 2.</description>
		<content:encoded><![CDATA[<p>Look below the U-tube screen after you are done with Part 1 and you will see part 2.</p>
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		<title>By: aiyoyo</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-2/#comment-124407</link>
		<dc:creator>aiyoyo</dc:creator>
		<pubDate>Sat, 02 Jan 2010 01:24:19 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124407</guid>
		<description>aiyoyo

really blur leh, 3room now cost ~S$250000,

how to survive?

economy dont know recover or not?

pray 2010 can help all people in this country...

aiyoyo</description>
		<content:encoded><![CDATA[<p>aiyoyo</p>
<p>really blur leh, 3room now cost ~S$250000,</p>
<p>how to survive?</p>
<p>economy dont know recover or not?</p>
<p>pray 2010 can help all people in this country&#8230;</p>
<p>aiyoyo</p>
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		<title>By: ObserverOne</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-1/#comment-124355</link>
		<dc:creator>ObserverOne</dc:creator>
		<pubDate>Fri, 01 Jan 2010 15:06:20 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124355</guid>
		<description>Mr LSH,

Sharing of experience:

As part of SOP, when a point is to be published, it has to be supported by data from certain statistic. So this was the conversation that took place:

Self confessed professional statistician (S) : Sir, what conclusion that you want to derive from this data?

Boss (B): That it is white in color.

Personal Secretary to Boss (P) : But then majority of our data is black. What to do??

S : Don&#039;t worry. As a professional statistician, it is my job to find the right data sampling, with the right statistic method, to produce the right conclusion, that it is white in color.

P : But how can you do that?

S : Leave it to me.

B : That is why I need professional to be around. They know how to work things out in proper way.

So, in simple statistics terms, this is what S did:

1. S tried to find a very complex and recursive sampling procedure that will generate a sampling data that has majority white in color. (Please note that the actual data is majority black in color).
2. Then S tried a find a matching statistic method to produce the desired outcome, that is a conclusion that it is white in color.
3. Having all steps1 and 2 completed, then S and P work together to find justification to each of the above steps, both in statistic and in layman terms.
4. Final conclusion is submitted to B for brainstorming. All likely questions are mapped out, and corresponding answer are formulated.

So, I guess that explains some points that you mentioned about statistic. But then again, not all statistician belong to this category. Many still have true good heart.</description>
		<content:encoded><![CDATA[<p>Mr LSH,</p>
<p>Sharing of experience:</p>
<p>As part of SOP, when a point is to be published, it has to be supported by data from certain statistic. So this was the conversation that took place:</p>
<p>Self confessed professional statistician (S) : Sir, what conclusion that you want to derive from this data?</p>
<p>Boss (B): That it is white in color.</p>
<p>Personal Secretary to Boss (P) : But then majority of our data is black. What to do??</p>
<p>S : Don&#8217;t worry. As a professional statistician, it is my job to find the right data sampling, with the right statistic method, to produce the right conclusion, that it is white in color.</p>
<p>P : But how can you do that?</p>
<p>S : Leave it to me.</p>
<p>B : That is why I need professional to be around. They know how to work things out in proper way.</p>
<p>So, in simple statistics terms, this is what S did:</p>
<p>1. S tried to find a very complex and recursive sampling procedure that will generate a sampling data that has majority white in color. (Please note that the actual data is majority black in color).<br />
2. Then S tried a find a matching statistic method to produce the desired outcome, that is a conclusion that it is white in color.<br />
3. Having all steps1 and 2 completed, then S and P work together to find justification to each of the above steps, both in statistic and in layman terms.<br />
4. Final conclusion is submitted to B for brainstorming. All likely questions are mapped out, and corresponding answer are formulated.</p>
<p>So, I guess that explains some points that you mentioned about statistic. But then again, not all statistician belong to this category. Many still have true good heart.</p>
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		<title>By: sefergfe</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-1/#comment-124291</link>
		<dc:creator>sefergfe</dc:creator>
		<pubDate>Fri, 01 Jan 2010 09:48:42 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124291</guid>
		<description>Mr Leong you mentioned every year people ask about the actual cost of HDB flat but there are no answers always.

1) Do Singpaoreans have the right to know the actual cost?

2) Do HDB have the right to keep the actual cost secret?</description>
		<content:encoded><![CDATA[<p>Mr Leong you mentioned every year people ask about the actual cost of HDB flat but there are no answers always.</p>
<p>1) Do Singpaoreans have the right to know the actual cost?</p>
<p>2) Do HDB have the right to keep the actual cost secret?</p>
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		<title>By: Harry</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-1/#comment-124183</link>
		<dc:creator>Harry</dc:creator>
		<pubDate>Thu, 31 Dec 2009 18:41:26 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124183</guid>
		<description>They can&#039;t just increase HDB Flats prices just because how many times oversubscribe.
This is Public Housing, MBT. Like you can&#039;t increase public transport prices because every morning the buses and MRT always crowded.
Maybe HDB should partner with Singapore Pools. For Q number 1 will receive a $100k subsidy for the flat of their choice. Number 2 $80k, Number 3 $60k, Number 4-50 will each receive $40k. Please note: subsidies will be deducted from your sales proceeds should you sell your property after 5 years of minimum occupancy.</description>
		<content:encoded><![CDATA[<p>They can&#8217;t just increase HDB Flats prices just because how many times oversubscribe.<br />
This is Public Housing, MBT. Like you can&#8217;t increase public transport prices because every morning the buses and MRT always crowded.<br />
Maybe HDB should partner with Singapore Pools. For Q number 1 will receive a $100k subsidy for the flat of their choice. Number 2 $80k, Number 3 $60k, Number 4-50 will each receive $40k. Please note: subsidies will be deducted from your sales proceeds should you sell your property after 5 years of minimum occupancy.</p>
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		<title>By: Year In Review (Part 2): Retirement, CPF, economic outlook &#124; The Online Citizen</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-1/#comment-124178</link>
		<dc:creator>Year In Review (Part 2): Retirement, CPF, economic outlook &#124; The Online Citizen</dc:creator>
		<pubDate>Thu, 31 Dec 2009 17:46:33 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124178</guid>
		<description>[...] 1 is here: Year In Review: HDB flats &#8211; subsidy, affordability, prices.  Related [...]</description>
		<content:encoded><![CDATA[<p>[...] 1 is here: Year In Review: HDB flats &#8211; subsidy, affordability, prices.  Related [...]</p>
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		<title>By: NoPart Two?</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-1/#comment-124141</link>
		<dc:creator>NoPart Two?</dc:creator>
		<pubDate>Thu, 31 Dec 2009 12:47:34 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124141</guid>
		<description>No Part Two?</description>
		<content:encoded><![CDATA[<p>No Part Two?</p>
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	<item>
		<title>By: commentator</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-1/#comment-124130</link>
		<dc:creator>commentator</dc:creator>
		<pubDate>Thu, 31 Dec 2009 11:48:00 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124130</guid>
		<description>My definition of &quot;affordable&quot; means able to pay for something in full at one go in cold hard cash. If you HAVE TO get a loan for something, it&#039;s not truly affordable - as far as you are concerned.</description>
		<content:encoded><![CDATA[<p>My definition of &#8220;affordable&#8221; means able to pay for something in full at one go in cold hard cash. If you HAVE TO get a loan for something, it&#8217;s not truly affordable &#8211; as far as you are concerned.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: The Singapore Daily &#187; Blog Archive &#187; Daily SG: 31 Dec 2009</title>
		<link>http://theonlinecitizen.com/2009/12/year-in-review-hdb-flats-subsidy-affordability-prices/comment-page-1/#comment-124069</link>
		<dc:creator>The Singapore Daily &#187; Blog Archive &#187; Daily SG: 31 Dec 2009</dc:creator>
		<pubDate>Thu, 31 Dec 2009 03:20:17 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=18248#comment-124069</guid>
		<description>[...] - TOC: Year In Review: HDB flats – subsidy, affordability, prices. - Singapore Alternatives: Mah Bow Tan &#8220;Caught off [...]</description>
		<content:encoded><![CDATA[<p>[...] &#8211; TOC: Year In Review: HDB flats – subsidy, affordability, prices. &#8211; Singapore Alternatives: Mah Bow Tan &#8220;Caught off [...]</p>
]]></content:encoded>
	</item>
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