
Benefits of Decluttering Your House Before Selling
If you’re planning to sell your house, decluttering should be at the top of your to-do list. Not only is it free, but it also
As a trustworthy realtor, I understand the importance of forging a good connection with my clients. I make it a point to be personable and share something about myself to build rapport. Getting to know my clients is a priority for me and I’m passionate about my work.
As a responsive individual, I am skilled in handling multiple appointments and listings effectively. I understand the importance of being organized and efficient in my work to provide the best possible service to my clients.
of real estate advisory experience
Property Asset Progression
from 2003 to 2009
from 2009
who leads a team of experienced realtors

If you’re planning to sell your house, decluttering should be at the top of your to-do list. Not only is it free, but it also
Even a lifetime of experience couldn't stop a $400,000 mistake
.
This is definitely a chilling wake-up call: an "experienced investor" in her 50s lost her life savings after being lured into a sophisticated web of social engineering.
It didn't happen ...overnight... it was a calculated, two-month long psychological play involving fake WhatsApp communities and a professional-looking app.
Scammers are no longer just sending "obvious" phishing emails; they are building relationships, using local phone numbers, and even meeting victims in person to collect cash.
🚩 5 Red Flags to Protect Your Wealth
* The "Pay-to-Withdraw" Demand: Legitimate platforms never ask for "taxes" or "fees" to be paid upfront before you can access your own money. If you have to pay to get paid, walk away.
* Coached Bank Interactions: If a "broker" tells you to lie to your bank teller or claim withdrawals are for "family expenses" to avoid suspicion, they are training you to bypass the very systems meant to protect you.
* The False Security of App Stores: Don’t assume an app is safe just because it’s on the Apple or Google Store. Scammers often use "unlisted" or "beta" links to bypass official security screenings.
* Manufactured FOMO: In-group social proof is a powerful weapon. Those "friends" in the WhatsApp group sharing screenshots of massive profits are often bots or accomplices designed to make you feel like you're missing out.
* Physical Cash Transfers: No regulated investment firm will ever send a person to your home or a public place to collect physical cash for a digital trade.
🛡️ Stay Vigilant
Financial literacy now includes digital literacy.
Always verify any platform against the MAS Financial Sector Directory or your local regulator’s alert list before moving a single cent.
We often think we're too smart to be scammed, but these tactics are designed to exploit our trust.... what’s one "rule of thumb" you use to verify if a digital platform is actually legit?
#FinancialSafety #InvestmentScams #WealthProtection #CyberSecurity #SingaporeNews #SmartInvesting
Market trends or just a blip? 📈
The latest data from The Business Times shows loss-making condo resales in Singapore ticked up to 3.9% in Q4 2025.
While overall prices remain resilient, the Core Central Region (CCR) felt the most heat, with some luxury units seeing significant... hits after long holding periods.
Interestingly, Executive Condominiums (ECs) like Hundred Palms Residences continue to dominate the profit leaderboard, proving that the "suburban surge" still has legs. Success in this market is clearly shifting from "location at all costs" to "strategic entry prices."
Does this rise in loss-making deals signal a buyer's market approaching, or is it just a localized correction?
Is "Bait-and-Switch" becoming the new normal in real estate marketing? 📉
A recent investigative report by The Straits Times reveals that some property agents are using artificially low prices to "lure" buyers in a hyper-competitive market. In one case, a unit was ...advertised for nearly $100,000 less than its actual transaction price.
While the hustle is real, this tactic raises serious questions about transparency and ethics in our industry.
Key Takeaways:
✅️Market Distortion: Fake listings create "unnecessary dissonance," making it harder for genuine buyers and ethical agents to navigate the market.
✅️Regulatory Pressure: The CEA is actively issuing fines and suspensions. Between 2023 and 2025, over 300 complaint cases related to misleading ads were addressed.
✅️The Tech Factor: The rise of third-party marketing tools is making it harder for agencies to supervise every listing, placing more responsibility on the consumer to verify data.
Integrity is the only currency that lasts in real estate. When we prioritize lead generation over honesty, we erode the trust that the entire ecosystem depends on.
I’d love to hear from my network on this.
As a buyer or a fellow professional, do you think current penalties are enough to stop these tactics, or do we need a total overhaul of how listings are verified?
A Will Doesn’t Stop the Bank.
A real-life situation crossed my path recently.
An elderly parent owns several properties.
Most are fully paid.
One property, however, still has a large outstanding mortgage.
In her will, that encumbered property is left to one... family member.
The fully paid properties go to others.
Let’s call her Jenny (not her real name).
Here’s the problem 👇
The mortgage has started defaulting.
And this is the part many people don’t realise:
📌 A will passes ownership
📌 It does not pause bank action
If defaults continue, the bank can:
Accrue penalties
Issue legal notices
Force a sale — often below market value
By the time the inheritance is “activated”,
the property could already be gone.
What makes this even trickier:
Beneficiaries are not the legal owner yet
Paying “out of goodwill” can create legal complications
Executors have duties — but many families don’t act early enough
For someone like Jenny, the right move isn’t to panic or act emotionally, but to get clarity early. This usually means speaking to an estate & probate lawyer to understand her position as a beneficiary, an independent conveyancing lawyer to assess the mortgage and estate obligations, and a banker or mortgage specialist to evaluate whether the loan can be restructured, taken over, or refinanced later. In some cases, a financial planner can also help assess cashflow impact and long-term implications, especially if the beneficiary already owns another property.
This isn’t about blame.
It’s about blind spots.
Most families plan for:
✔️ Who gets what
Very few plan for:
❌ What happens if a loan defaults before inheritance
💡 Key takeaway:
If a property has a mortgage, estate planning is not just about the will.
It’s about cashflow, liabilities, timing, and protection.
If you or your family:
Own multiple properties
Have loans running into retirement years
Or assume “the kids will sort it out later”
Please don’t wait until emotions and urgency collide.
Have you ever thought about what happens to a property loan if something happens to the owner?
👇 Share your thoughts — this is a conversation more families should have before it’s too late.
🏠 HDB Resale Market: Cooling Down or Just Catching its Breath? 📉
The latest data for 2025 is in, and it’s a tale of "slow and steady."
While HDB resale prices grew by 2.9% over the past year, that’s a significant dip from the 9.7% surge we saw in 2024. In fact,... prices remained unchanged in Q4 2025—the first time we haven't seen a quarterly hike since early 2020! 🛑
Key Takeaways:
* Moderating Growth: This is the slowest price climb since 2019, suggesting the market is finally stabilizing.
* Supply Impact: A steady stream of BTO launches and SBF exercises is successfully easing the demand for resale flats.
* The Million-Dollar Club: Despite the overall slowdown, "sharp jumps" in flats sold above $1.4M were still noted in Q4.
With more than 19,000 BTOs coming in 2026, the landscape is shifting. 🏗️
What’s your take? Are you feeling more confident about entering the market now that prices are leveling off, or is the "million-dollar flat" trend still a concern for you? 💭💬
Let's discuss below! 👇
#SingaporeProperty #HDBResale #RealEstateSG #MarketTrends #HousingUpdate #SmartInvesting #TheStraitsTimes
Being a foodie realtor, today I met up with a friend over breakfast.
Before meeting, I asked him what he felt like having. Roti prata, he said.
Eight minutes later, we were seated.
I ordered masala thosai and roti prata kosong.
He went with his favourite cheese ...prata and roti prata kosong.
Teh tarik for him, teh halia for me.
Simple food, good company, meaningful conversation.
That’s when he shared a story that stayed with me.
Many years ago, he went for a job interview.
Seven candidates. Same room. Same opportunity.
He was offered the role on the spot.
Most people would say yes immediately.......
He didn’t. Not because the offer wasn’t good.......but because he knew the value he could bring, and the role didn’t align with who he was becoming.
Today, he’s a charismatic public speaking coach, helping others find their voice and confidence. Someone I deeply respect.
Knowing your value is how you master your destiny.
What would you do if success came quickly, but didn’t fit your path?
(Thanks for sharing your story over breakfast this morning.......hope it inspires many friends out there 😃)
🏗️ Location vs. Classification: The New BTO Reality
The landscape of Singapore’s public housing is shifting. Piling has begun on the former Kebun Baru Primary School site in Ang Mo Kio, yet notably, it isn’t in the February launch.
As a seasoned realtor, I’m watching ...this site closely for two reasons:
* The "Plus" Factor: Given its proximity to Mayflower MRT and top-tier schools like CHIJ St Nicholas Girls’, analysts expect a "Plus" classification. This means a 10-year MOP and subsidy clawbacks….critical factors for long-term financial planning.
* Scarcity Value: AMK has seen fewer than 3,100 new units in 6 years. Demand here remains resilient, but the tighter restrictions on "Plus" flats may shift some buyers toward the resale market to maintain flexibility.
For my clients, the question isn't just about "getting a queue number"…. it’s about whether a 10-year commitment aligns with their life stages and exit strategies.
If you were eligible, would you prioritize a prime location like this if it meant a 10-year stay requirement? Let’s discuss in the comments.
Calories burned, excuses left behind.
A solid 2-hour walk this morning — not chasing speed, just showing up and staying consistent.
Progress doesn’t come from intensity alone, but from choosing movement again and again.
Which part of your week is reserved for your ...body, not your inbox?
Dear Yoke Leng,
Thank you so much for your incredibly kind words. It truly means the world to me that you reached out, especially knowing you have other friends in the industry. I don't take that trust lightly.
Handling your late aunt’s flat was a responsibility I was... honoured to take on. I know these transitions can be complex and emotional for a family, so I’m glad I could provide the clarity and guidance you needed to make the process smoother.
I really value our connection through our networking group and look forward to catching up at our next meeting. Thank you again for your lovely note!
Warmly,
Milson
Let me call you back at the day/time you preferred