Friday, January 5, 2018

Heart of the Business Plan

This is the heart of the modern business plan. The only reason to launch a project is to change something, and I want to know what you're going to do and what impact it's going to have.

This is the heart of the modern business plan. The only reason to launch a project is to change something, and I want to know what you're going to do and what impact it's going to have.

This is the heart of the modern business plan. The only reason to launch a project is to change something, and I want to know what you're going to do and what impact it's going to have.

This is the heart of the modern business plan. The only reason to launch a project is to change something, and I want to know what you're going to do and what impact it's going to have.

This is the heart of the modern business plan. The only reason to launch a project is to change something, and I want to know what you're going to do and what impact it's going to have.

The modern business plan
It's not clear to me why business plans are the way they are, but they're often misused to obfuscate [verb; make obscure, unclear, or unintelligible.], bore and show an ability to comply with expectations. If I want the real truth about a business and where it's going, I'd rather see something else. I'd divide the modern business plan into five sections:


The truth section describes the world as it is. Footnote if you want to, but tell me about the market you are entering, the needs that already exist, the competitors in your space, technology standards, the way others have succeeded and failed in the past. The more specific the better. The more ground knowledge the better. The more visceral the stories, the better. The point of this section is to be sure that you're clear about the way you see the world, and that you and I agree on your assumptions. This section isn't partisan, it takes no positions, it just states how things are.

Truth can take as long as you need to tell it. It can include spreadsheets, market share analysis and anything I need to know about how the world works.

The assertions section is your chance to describe how you're going to change things. We will do X, and then Y will happen. We will build Z with this much money in this much time. We will present Q to the market and the market will respond by taking this action.

This is the heart of the modern business plan. The only reason to launch a project is to change something, and I want to know what you're going to do and what impact it's going to have.

Of course, this section will be incorrect. You will make assertions that won't pan out. You'll miss budgets and deadlines and sales. So the alternatives section tells me what you'll do if that happens. How much flexibility does your product or team have? If your assertions don't pan out, is it over?

The people section rightly highlights the key element... who is on your team, who is going to join your team. 'Who' doesn't mean their resume, who means their attitudes and abilities and track record in shipping.

And the last section is all about money. How much do you need, how will you spend it, what does cash flow look like, P&Ls, balance sheets, margins and exit strategies.

Your local VC might not like this format, but I'm betting it will help your team think through the hard issues more clearly.

Steps to Starting a Successful Health Coaching Business

Having a vision and a desire to succeed is hugely important to the success of your health coaching business. However, sometimes it just isn’t enough.

If we take a look at the statistics, you can see that around 50% of small businesses fail in the first four years.

But it’s not all doom and gloom. With careful planning, clever marketing, and guidance from someone who’s been there before, you can increase the likelihood that your business will be a success.

Whether you chose to coach online, from home or run group sessions, here are seven tips to give your health coaching business the very best chance to succeed.

Step 1: Turn Your Vision Into a Business Plan
The best way to turn your vision into a successful business is to write a business plan. A 2010 survey showed that writing a business plan doubles the likelihood of your business making profits and securing external funding.

So what is a business plan?

A business plan can be as simple or complex as you make it. When you break it down a business plan is a map that details how to turn your goals into actionable items and ultimately, business success.

It will comprise of short and long term goals, marketing strategies, sales targets, expense budgets, yearly milestones and revenue projections.

The U.S. Small Business Administration website is a useful resource with plenty of information on what to include in your business plan, and they also have a handy business planning tool to help you build your very own business plan.

There are so many reasons why you should write a business plan and here are our top three:

1. A business plan will keep you on track. For example, a business plan will help you predict when it’s safe to invest into your business as well as help you identify potential obstacles and when they may arise.

2. If you’re looking for a start up loan, then a business plan is a must. A start up loan may give your business the financial push it needs to get started, and having a business plan is a must if you wish to seek funding from a bank or another financial institution.

3. Know your competition. Market research is an essential part of writing a business plan, and sussing out what your competitors are doing will help you define your niche within the market.

Step 2: Understanding Your Legal Responsibilities
One of the most important aspects of running your own heath coaching business is getting your head around your legal responsibilities, and here are are four tips to help you stay on top of it all.

1. Identify Your Scope of Practice
Legislation regarding nutrition advice differs for each state and country (if you live outside of the U.S.).

Identify your scope of practice as a health coach and/or any other credentials you may hold, so you know precisely what you can and can’t say from a legal perspective.

2. Get a Lawyer
Investing in a lawyer while your business is still in its infancy is a very smart idea. While the initial outlay can be pricey, a lawyer will be able to make sure your client contracts, terms and conditions and any marketing material (blogs or group emails) are all within your scope of practice as a health coach, within your local jurisdiction.

3. Trademark Your Business Name
Coming up with a catchy health coaching business name that embodies your business ethos takes time and effort, so it’s important to protect it.

How do you do that? By getting it trademarked.

The USPTO website has loads of information, tools and links to help you start the process. Here, you can search for existing trademarked names as well as apply for your own trademark.

4. Get Insurance
In the unfortunate event of a lawsuit, professional liability insurance will protect you and your health coaching business. Here are three insurers to consider:

Philadelphia Insurance Company
American Council of Health Care Professionals
The International Coaching Federation

Step 3: Develop Your Marketing Strategy

Effective marketing is essential to developing leads and converting them into new clients.

Here are three clever marketing tips to help you get started.

1. Discover Your Secret Sauce
When planning your marking strategy the first step is to identify your secret sauce, or in other words, what makes you different from other health and wellness services.

Maybe you’re a mother and you tie that experience into your health coaching practice, maybe you work in the fitness industry, or maybe your own health journey has seen you shed masses of body fat and reverse your metabolic syndrome. Whatever it is that makes you unique will be your selling point and will help you stand out to your ideal client.

2. Identify Your Ideal Client
When you’re just starting out, you may feel that it’s best to market your services to anyone and everyone. Contrary to this belief, a more targeted marketing strategy will actually bring in more clients.

To identify your niche market you need to work out who your ideal client would be. To determine this, consider who you would be most passionate about coaching. The over 50s? Post natal women? The morbidly obese? Elite athletes?

Providing a unique service that only a particular sub-set of the population will be interested in will set you apart amongst the other health and wellness services in your area or online, and will attract the type of client you would like to work with.

For example, if you’re passionate about coaching women, then your marketing strategy will reflect this, from the language you use in your blog posts, to the color schemes you use on your website and your logo design. Your marketing may (or may not) appeal to men or some other group, but that’s okay, as they are not your target clients.

3. Build Your Business Brand
Now that you have discovered your secret sauce and your ideal client it’s time to develop your business brand. Your business brand will go to the very core of your business and will reflect what your business is about and who you are as a person.

Sharing your personal story (see below) is an effective marketing strategy to convey your business brand.

Your personal story will be the basis of your business brand and it is important that it reflects the qualities that you want to attract in your clients.

Once you bring together these three marketing tips, you’re on your way to developing an effective, targeted marketing strategy.

Step 4: Grow Your Online Presence
In order to attract clients, you need to build a reputation and some credibility. One common way of doing this is by putting together free content online in the form of a blog, YouTube channel, and social media posts.

Growing your online presence is very much linked to developing your marketing strategy; one doesn’t really work without the other.

Here are two strategies you can implement to develop your online presence.

1. Set Up Your Website
Developing your business website is an absolute must for a health coach. Your business website will act as your virtual hub, where all your online content can be stored or linked to.

These days, there’s no need to develop a website from scratch, as there are plenty of high-quality platforms that you can use either for free or as a paid service.

If you’re not too familiar with building websites, a great place to start is SiteBuilderReport, which is a super handy resource that compares the different web builders such as SquareSpace, Weebly and WordPress, so you can decide which platform will suit your business needs.

2. Social Media
Social media can be used to exponentially grow your business exposure. There are so many different social media platforms, including Facebook, Instagram, Twitter, Snapchat and LinkedIn, just to name a few. When you’re posting on multiple social media platforms at specific times of the day, the entire process can become tiresome and time consuming. For more efficient social media publishing, consider the use of a social media managing tool such as HootSuite or Buffer. These tools can store, save and post onto multiple social media accounts, saving you time and optimizing your social media reach.

Step 5: Develop Your Program
It may seem like an obvious step, but making sure you have developed your health coaching program before you begin any advertising is a must.

You don’t want to find yourself is a situation where you’ve signed up multiple clients without any programs in place as this will be highly stressful for you, and will appear very unprofessional for your clients.

For Primal Health Coach graduates, the done-for-you 12-Week Coaching Program is a great resource to be used as-is, or as a template to customize.

Step 6: Outsource and Delegate
Learning how to delegate and outsource tasks is a key aspect to running your own business.

Here’s a simple step-by-step process to help you identify which aspects within your business are most appropriate for outsourcing and delegation.

1. Make a List
Start by making a list of all the tasks that need to be performed and how long they will each take.

For example:

1.Developing your coaching program (3 hours/week)
2.Website development and maintenance (3 hours/week)
3.Posting on social media (2 hours/week)
4.Writing blog posts (4 hours/week)
5.Balancing your spreadsheets (2 hours/week)
6.Developing a business logo (3 hours/week)

2. Identify Your Passion
Next, identify the tasks that you are most experienced with and enjoy performing. Conversely, identify the tasks that you feel you are least qualified or experienced with.

3. Prioritize
You now have a list ranking your business’s tasks in order from most essential to being performed by you through to the tasks that you have less interest in or less expertise or knowledge in. These are the tasks that you should delegate or outsource to a professional.

Upwork is an online repository where you can find freelance web developers, mobile developers, graphic designers, accountants and other skilled experts to work on your business.

Realizing that you don’t have to do it all on your own will help free up time in your busy week to focus on the tasks that require you and only you.

Step 7: Find a Mentor
Finding a great health coach business mentor will have a huge impact on your early success. Having someone there to guide you through each aspect of your business development could make the different between your success or failure.

A mentor can create leads and open doors that would otherwise have been closed. Choosing the right mentor is very important. Someone with a high profile that you’ve admired for a long time may not necessarily be the best fit, as they may have a very busy schedule and may not have as much free time to invest into you as someone who is less well known, but still runs a highly successful business.

Once you’ve identified who you would like to contact, give them a call, introduce yourself and explain that you would like to arrange an information-only interview with them.

It’s important for you to build a relationship with your chosen mentor. However, be realistic about the amount of time you would like your mentor to invest in you.

Instead of a two-hour weekly phone call, maybe a 30 minute quarterly phone call is more realistic.

Starting your own health coaching business can feel like a juggling act. There are so many different aspects to running a business, from writing your business plan to building a website. We hope this list of seven essential business startup tips will help you build the best possible health coaching business possible right from the start.

Ready to become one of the world’s most trusted, experienced and knowledgeable health coaches? Get certified as a Primal Health Coach.
Establish clout. Elevate your career. Enrich your knowledge… with the only comprehensive ancestral health certification program in existence.

Share Your Personal Health Story to Attract Clients

Storytelling is a powerful marketing technique that has huge potential to bring in future clients. If you share who you are, what your personal struggles and experiences have been, and how you’ve overcome your biggest challenges, you’ll position yourself to find and connect with people that need your help. Let’s take a look at how you can use your own personal health story as a tool to land new clients.

Storytelling, what is it?
Storytelling is an ancient form of communication used in all cultures and has been a powerful method of sharing information since Grok was sitting around the campfire telling tales. A perfect example of this are the Dreamtime stories that have been passed down from generation to generation for thousands of years by Indigenous Australians as a form of education and inter-generational bonding within families and the wider community. Storytelling in its essence is an interactive process between the storyteller and the listener. As the storyteller you’re inviting your listener to use their imagination through colorful language and imagery. Active engagement with your audience is what gives storytelling it’s power and allows the impact of your words to linger with your listener long after your story has been told.

Brand storytelling is a very successful and popular marketing strategy used by many businesses, both large and small to attract clients and customers. The key to brand storytelling is to draw your future client in with a compelling story which will allow them to feel an emotional connection to you and your business. As Health Coaches, we work in the field of building genuine personal connections, so you can see how much of an impact sharing a little bit of yourself can have on an interested individual. Your personal health story will give your reader an idea of who you are, what is at the core of your business and what makes your services suited to them.

Why is storytelling useful?
Sharing your own personal health story will enable you to attract your ideal client. In order to do this you must stand out, and you can do this by making your story unique and authentic. Yes, you’re a Primal Health Coach, but do you have any specific focus or niche? Do you have any specific expertise that will help you stand out over other Health Coaches? Do you have experience in the fitness industry? Are you a parent? Do you have experience in patient care, or a PhD in cell biology? Whatever it is about you that makes you and your services unique needs to come across in your personal story.

What does sharing your story accomplish?
Sharing your own personal struggles, achievements and successes throughout your primal health journey will make you more relatable to potential clients. It will allow your potential clients to see that you’re a normal everyday person, just like them. If you can do it, so can they—whether you’re a mom or dad who’s overcome burnout, or an athlete whose former life was consumed by chronic cardio and calorie counting. Whoever you were then and whoever you’ve become will be relatable to your target client. They will see you as someone that has been through what they are currently experiencing and has now become a healthier person by making a few simple, yet life-altering lifestyle adjustments.

If you have been highly successful in other aspects of your life (like sport or career), you should consider sharing this in your personal story as well. However, try to avoid sounding boastful as this may make you appear less relatable and may make your health journey seem less attainable to an interested individual. It may also be best to avoid topics such as religion and politics in your personal story (unless it is very important to you or your target clients), as you may unknowingly turn away future clients.

How storytelling can be used to gain clients
Sharing your personal story is more than a single blog post. It’s about creating your entire business brand. Your personal story needs to resonate through all your communication, from your social media posts, your website, and most importantly through your personal contact with potential clients. You have to live and breathe what you write, which shouldn’t be too hard if you’ve been authentic and real.

As Health Coaches our job is to connect with our clients, and sharing your personal story for the purposes of attracting new clients is a powerful technique to connect with a large audience, while still keeping a personal, intimate approach. It’s also a great way to create and build your business brand. If you haven’t already done so, why not share your personal health story today?

Monday, December 4, 2017

To Delete Cookies

How to delete cookies...
Most cookies are easy to delete. Just pick your browser from the choices below and follow the instructions. If your browser isn't listed, please contact us.

You probably have Adobe Local Shared Objects on your computer, also known as LSOs or Flash cookies. Generally you can't delete them with browsers controls, but Adobe's website offers tools to control Flash cookies on your computer. Users of the Firefox browser can also get an add-on to detect and delete Flash cookies. 

Windows PC

Google Chrome
Internet Explorer 9
Internet Explorer 8
Internet Explorer 7.x
Internet Explorer (all other versions)
Mozilla Firebird 0.7
Mozilla Firefox
Netscape Navigator 7.x
Netscape Navigator 6.x
Netscape Navigator 4.x
Deepnet Explorer 1.1+
Apple Macintosh

Internet Explorer 5 (MAC OS X)
Internet Explorer 5 (MAC OS 9)
Mozilla (Mac)
Netscape Navigator 7 (Mac)
Netscape Navigator 6 (Mac)
Safari 1.0 (MAC OS X)


Windows PC

Google Chrome

Click on the "Tools" menu and select "Options".
Click the "Under the Bonnet" tab, locate the "Privacy" section and click the "Clear browsing data" button.
Select "Delete cookies and other site data" to delete all cookies from the list (alternatively, you can remove all cookies created within a specific time period by selecting the period you want from the dropdown list).
Select "Clear browsing history" to delete traces of which websites you've visited.
Select "Clear download history" to delete records of which files and programs you've downloaded.
Select "Empty the cache" to delete cached website pages.
You can also delete saved passwords (which log you into websites) and saved form data (such as your name and address).
Then click on the "Clear browsing data" button.
Click on the Close button when you've finished.

Internet Explorer 9

Open Internet explorer window
Click the “Tools” button
Point to “safety” and then click “delete browsing history”
Tick the “cookies” box, then click “delete”

Internet Explorer 8

Click "Safety" on the Command bar
Select "Delete Browsing History"
Select the option for cookies and click Delete
Alternatively, Internet Explorer 8's new InPrivate browsing feature allows users to browse the internet without recording information from visited sites (including cookies). To use InPrivate mode:

Click "Safety" on the Command bar
Select "InPrivate Browsing"

Internet Explorer 7.x

Exit Internet Explorer 7, and then exit any instances of Windows Explorer
Click Start, click Run, type inetcpl.cpl, and then press ENTER
On the General tab, click Delete under Browsing History in the Internet Properties dialog box
In the Delete Browsing History dialog box, click Delete Cookies
In the Delete Cookies dialog box, click Yes.

Internet Explorer (all other versions)

Internet Explorer saves cookies in more than one location, depending on the version of the browser and the version of Microsoft Windows being used.

The best way to find and delete them is to close Internet Explorer then use your file management software (such as Windows Explorer) and search for a folder called 'cookies'.

AOL 8 and 9

Sign on and select Settings from the toolbar.
Version 9.0 users should select the By Category tab and click the Internet [Web] Options link, while for Version 8.0 and below click Internet Properties (WWW).
Click Settings.
Note: Windows Vista will see more than one Settings button. Click the button in the Browsing history section.
Click View Files. Your list of cookies (plus your other temporary internet files) will be displayed.
If you wish to delete any of the cookies or files, right-click on them and choose Delete.


Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list, or remove all cookies.

Mozilla Firebird

Click on Tools, then Options
Select the Privacy icon in the left-hand panel
Click on Cookies
Click on Stored Cookies
To remove a single cookie click on the entry in the list and click on the Remove Cookie button
To remove all cookies click on the Remove All Cookies button

Mozilla Firefox

Click on Tools, then Options (or Edit | Preferences on Linux)
Select Privacy
In the Cookies panel, click on Show Cookies
To remove a single cookie click on the entry in the list and click on the Remove Cookie button
To remove all cookies click on the Remove All Cookies button

Netscape Navigator 7.x

Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list, or remove all cookies.

Netscape Navigator 6.x

Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list, or remove all cookies.

Netscape Navigator 4.x

In Netscape, all cookies are stored into one file, called Cookies.txt, in the user preferences folder, making them easy to find and delete. The folder can be located by using your file management software to search your hard disk drive for "cookies.txt".

Users of Netscape Navigator 4.x may also stop cookies from being written to the hard drive, by making the cookies file read only. However, even if the browser can't "write" cookies to the hard drive, it can still cache them, and it may create a new cookie file.


To delete all cookies at the end of every session, select it in the privacy settings under Tools > Preferences.
Click on Manage cookies to delete specific cookies or cookies from specific domains.

To delete all cookies immediately, go to Delete private data on the Tools menu.

Deepnet Explorer 1.1+

Choose Tools and then Internet Options
Click the Privacy tab
Move the slider to choose your preferred settings.

Apple Macintosh

Microsoft Internet Explorer 5 (MacOS X)

Choose Preferences from Explorer menu
Select Receiving Files options
Select Cookies
Select the Cookies to be deleted from the list
Press Delete button

Microsoft Internet Explorer 5 (MacOS 9)

Choose Preferences from Edit menu
Select Receiving Files options
Select Cookies
Select the Cookies to be deleted from the list
Press Delete button


Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list, or remove all cookies.

Netscape Navigator 7.x

Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list, or remove all cookies.

Netscape Navigator 6.x

Choose Cookie Manager from the Tools menu.
Choose Manage Stored Cookies.
Remove any cookie from the list, or remove all cookies.

Safari 1.0 (MacOS X)

Choose Preferences from Safari menu
Select Security icon
Press Show Cookies button
Select the Cookies to be deleted from the list
Press Delete button


To delete all cookies at the end of every session, select it in the privacy settings under Opera > Preferences
Click on Manage cookies to delete specific cookies or cookies from specific domains.

To delete all cookies immediately, go to Delete private data on the Tools menu.



From the Home page, select Help
Select Utilities Tool
Select Reset Cookies
Power off the WebTV for 60 seconds
Cookies should be deleted when you turn the WebTV back on again


From the Home page, select Settings
Select Web Appearance and Security
Select Delete Cookies

Sunday, December 3, 2017

Love Life Learning Wisdom Service

Workshop Facilitator: Good morning class! My name is Soong See Choo. And welcome to the first day of Healthy Wealth Community College! Whooa! Alright now, before we start embarking on this journey of learning and growing, let's take a moment to get to know our fellow classmates. 

(Whole class handshakes, self introductions going on, chit-chatting away)

Lady: Hi, handsome.
(She extending her hand)

You: Hey, how are you? (give her a firm handshake with a smile)

Lady: I'm Heidi. I'm 81 years old. Can I give you a hug?

You: Sure! 

(Hugging for two seconds)

You: So, why are you in college at such a young innocent age?

Heidi: I'm thinking of meeting a rich husband, get married, and have a couple of kids. 

(laughter & giggles)

You: But seriously what brings you to college?

Heidi: I've always dreamed of having  a college education. Now I'll have one.

You: WOW! That's amazing!

Workshop Facilitator: Alright class, everybody find your seats please! And let's start learning. 


Workshop Facilitator: It's been a pleasant teaching you guys this semester. Just watching you learn and grow, you guys are amazing! 
Now before we go, one of our dear students would like to say a few parting words before we leave. Heidi, the floor is all yours. 

(Heidi got up and stood in-front her classmates.)

Heidi: (She starts with a sweet smile)  Before you enter the "real world," just a few words of wisdom, I would like to share with you. 

"We don't stop playing because we're old. We get old because we stop playing. There's a huge difference between growing old (Heidi pretends a walk with stick) and growing up. I could stay in bed for a year. I'm 81 so I'll be 82. You can stay in bed, you're 20, what will you be in a year? You're going to be 21, anyone can grow old. The trick is to seek possibility and growth. And use that time and love that time. We elderly people, we don't regret what we did. We regret what we didn't do. The only people who fear death are those who have regrets. And remember! We make a living by what we get; we make a life by what we give. Secret to happiness is to serve others more than self-serving, daily. Happiness is when I am loving! Loving in serving others with love in the heart. Always. Thank you. I love you, guys!"

(Class dismissed)

Age is nothing but a number, according to new research that suggests you're only as old as you let yourself feel. 

A study has shown that people who perceive themselves to be old and frail are more likely to give up activities which could help to keep them young – such as socialising and taking regular exercise.

By contrast, people with a positive attitude are more likely to continue taking part in these activities which helps them to stay fit and mentally alert.

People who perceive themselves to be old and frail are more likely to give up activities which could help to keep them young.

⇧Krystal Warmoth, from the University of Exeter, believes that older people who categorise themselves as elderly and decrepit are more likely to behave as though they are.

She interviewed 29 older people in the southwest of England and asked them about their experiences of aging and fragility.

She discovered that an elderly person’s attitude could lead to a loss of interest in participating in social and physical activities, poor health, and reduced quality of life. 

One respondent summed up the findings: ‘If people think that they are old and frail, they will act like they're old and frail,’ she said.

Ms Warmoth also discovered there can be a cycle of decline whereby perceiving oneself as frail can lead to a person disengaging from activities that could reduce the likelihood of frailty - such as physical exercise.

This, in turn, makes them more likely to become frail and to have a poor quality of life.

Ms Warmoth said: ‘This study gives an insight into the role of psychological factors in older adults’ health and activity levels.’

However, plenty of elderly people are clearly following Ms Warmoth’s advice.

People with a positive attitude are more likely to continue taking part in activities which help them to stay fit and mentally alert

People with a positive attitude are more likely to continue taking part in activities which help them to stay fit and mentally alert.

A 2010 report from the Health Protection Agency found a rise in the number of people in their 50s, 60s, 70s and 80s having sex with new partners since 2000.

The study also found that there had been an increase in all of the five main STDs in older age groups, with the age group 45 to 64 witnessing the biggest rise in syphilis, herpes, chlamydia and genital warts between 2000 and 2009.

Meanwhile, researchers at North Carolina State University found that elderly people who played video games had 'higher levels of well-being'.

They asked 140 people aged 63 and above how long they play games for, then put them through tests to asses their emotional and social well-being.

Sixty-one per cent of participants said they played video games 'at least occasionally', while 35 per cent said they played at least once per week.

The results of the study indicated that those who played games occasionally reported higher levels of well-being, whereas those that did not play reported 'negative emotions and a tendency toward higher levels of depression'.

Sunday, November 26, 2017

Strata Living in Singapore

click here for more 

 Introduction 1
 1 Share Value 3
Significance of share value
What does share value represent?
Who determines share value?
How the share value is determined
Share value in a staged development
Can the share value of a strata lot be changed?

2 Duties and Responsibilities of the
 Subsidiary Proprietor 6
Contributions by subsidiary proprietors
Maintenance of lots and exterior features
Inter-floor leaks
Compliance with notices
Improvements and additions to lots

3 Duties and Responsibilities of the Developer 8
Maintenance fund
Constitution of the management corporation
The initial period
First annual general meeting

4 The Management Corporation 11
Responsibilities of the management corporation
Election of the council of the management corporation
Eligibility for election to the council
Duties of the office bearers of a council

Restrictions to the council
Disclosure of interests

5 Meetings 15
Meetings of the management corporation
Meetings of the council

6 Maintenance Contributions 19
Contributions for maintenance and other expenses
Recovery of maintenance contributions
Variation of contributions
Rebates and incentives for early payment

7 Managing Agents 21
Appointment of the managing agent
Duties and liabilities of the managing agent
Independent accreditation schemes for managing agents

 8 By-Laws on the Use & Enjoyment of
 Common Property 23
Compulsory by-laws
Making of additional by-laws
Breach of by-laws and remedy
House rules
Exclusive use by-laws

9 Insurance 27
Insurance by the management corporation

Insurance by individual owners

10 Resolutions 28
Resolution by consensus
Comprehensive resolution
Unanimous resolution
90% resolution
Special resolution
Ordinary resolution
Summary of resolutions

11 Resolving Disputes 31
Resolving disputes by talking to the other party
Seeking mediation
Referring disputes to a Strata Titles Board
Referral to the courts

12 Two-tier management corporation scheme 33
What type of property is eligible for two-tier MC schemes
Limited common property
What developments are suitable for a two-tier MC scheme
Formation of a sub-MC
Function and administration of sub-MCs
Contributions by the subsidiary proprietors of a sub-MC

13 Staged Development 36
Staged development contract

14 Getting Information 38
Getting information from the management corporation
Getting information from other sources

 Glossary 42

Management corporation :
A management corporation (MC) is a body corporate
with perpetual succession capable of suing
and being sued and comprising as its members all
the subsidiary proprietors of the estate. The MC is
formed when the strata title plan is lodged with
the Chief Surveyor and a strata title application
is made to the Registrar of Titles of the Singapore
Land Authority. The MC has powers, duties and
functions conferred or imposed by law to control,
manage and administer the common property for
the benefit of the subsidiary proprietors.

Regulation :
Subsidiary legislation or regulation prepared under
the primary legislation, for example, the Building
Maintenance and Strata Management Act.

Strata roll :
A register of the owners, mortgagees and share
values of each unit in the development.

Strata title plan:
 A plan showing the strata units and the common
property of the estate. It is prepared by a
registered surveyor employed by the developer
in a form approved by the Chief Surveyor of the
Singapore Land Authority.

Subsidiary proprietor :
A purchaser to whom the developer has transferred
ownership of a unit, as shown on the strata
certificate of title.

Temporary occupation permit:
 A permit issued by the Commissioner of Building
Control under the Building Control Act allowing
temporary occupation or use of a building when
only part of the statutory requirements have been

Valid vote :
A vote cast by a subsidiary proprietor entitled to
vote which is clearly for or against a motion. A
vote that is uncertain, for example, for and against

the motion or unmarked, is not a valid vote. 

If buying landed home is new to you, check out this list of things you need to know.

The average Singaporean’s property purchasing journey is likely to follow one of the below scenarios:

Buy HDB. Stay in HDB until old age.

Buy HDB. Sell and upgrade to larger HDB. Stay until old age.

Buy HDB. Sell and upgrade to condo. Stay until old age.

Buy HDB. Sell and upgrade to condo. Downsize upon retirement, and return to HDB.

Buy EC. Sell and upgrade to condo. Stay until old age.

Spot something interesting? Our options typically revolve around HDB flats, ECs, or condos. There’s the option of buying a landed home of course, but because these are much more expensive than the above options, they remain firmly out of reach for the average Singaporean.

If you have enough assets and cashflow and you’re thinking of buying a landed home, however, that’s awesome news. Regardless of whether you only own one property, or you’re a seasoned property investor, take your time to do the required research. After all, purchasing landed property is vastly different from purchasing other sorts of property in Singapore.

Want to learn more? Read on for 3 things that you need to take note of if you’re planning on purchasing landed property in Singapore!

#1: You need to be a Singapore Citizen or a PR to buy a landed home.

First things first: whilst expats can purchase condominiums, they’re not allowed to purchase a landed home; this includes bungalows, semi-detached houses, terrace houses and cluster housing.

If you’re not a citizen, but you’ve been a Permanent Resident (PR) for at least five years, you can apply. That having been said, things aren’t that straightforward – applications are assessed on a case-by-case basis, taking into consideration several factors including whether you’ve made “exceptional economic contribution” to Singapore.

#2: You can’t build as many levels as you please.

Thinking of buying an old house, getting your contractors in, and zhnging (read: fixing it up) it till it’s a 10-storey mansion? Think again. Each landed home comes with a certain number of floors “allocated” to it. If the land is zoned for 3 floors, for example, you can build up to 3 floors, plus an attic. If the land is zoned for 2 floors, you’ll have to make do with 2 floors and an attic.

#3: You’ll probably need to hire a professional inspector before sealing the deal on your landed home.

People who are purchasing or renting apartments have it relatively easy – they can refer to checklists that will help them assess the property and any defects that may be present. When it comes to landed property, though, a lot more expertise is required. You’ll want to hire professional inspectors to ensure that the property gets the green light in the following areas:


Resolving a foundation issue will cost you dearly, in terms of both time and money. Properties which have weak or suspect foundation are complete deal breakers, unless you’re okay with spending tens of thousands of dollars on getting these foundation problems ironed out. Warning signs include cracks, unaligned walls, and unaligned window frames or doors.


Again, moisture problems are both expensive and time-consuming to fix. These are more likely to be present in landed properties which have a basement built in; if you spot any leaks or mould, consider it a red flag.


You’ll want to purchase a landed property in an area with compact soil, as opposed to an area where the soil is overly soft and/or prone to movement. If the latter case occurs, you might be required to install sheet piling which will provide earth retention and excavation support; the expense for this differs on a case-by-case basis, but it will cost a pretty penny.


If the property you’re looking at has a leaky roof, you have two options. Either ensure that the owner fixes it before you make your purchase, or simply walk away. Because fixing (or replacing) a roof is exorbitantly expensive, you definitely don’t want to be saddled with this cost when you’re buying a property. If the roof has simply lost its colour, on the other hand, that’s fine – it’s relatively simple and cheap to clean it using bleach.

Buying any property in Singapore is a momentous occasion, but buying a landed property is especially significant. You’ll want to get a home which you absolutely love, given that you’re forking out a huge sum of money, so be sure to do your homework before making your decision. Whilst you’re here, check out our articles on 5 landed property you can buy for under $3 million and home inspection for defects before you buy: necessary or not?

Many Singaporeans think of landed property as a sign that you’ve “made it”. But then again, they think the same thing about car owners, many of whom are seriously wondering what to sell off on Carousell in order to meet the next car instalment. For those of you who wish to enter the landed property scene, here’re a few deals that can be closed for $3 million or under:

5 landed property you can buy for under $3 million
AUGUST 28, 2017

Serenity Terrace

Sims Avenue East, District 14

Freehold, 5 bedrooms, 6 bathrooms, 1,819 square feet (land area)

Approx. $2,850,000

This 24-year old unit is a three and a half storey unit, with a built-up space of about 3,650 square feet. It’s situated on a quiet stretch that’s about six minutes from the Kembangan MRT station.

If you’re willing to walk a bit (about 10 minutes) to nearby Changi Road, there are lots of small eateries that dot the area. As you walk closer to the Kembangan MRT station, you can find prata stalls, small bakeries, a pet lover’s centre, and convenient if unremarkable dining options.

As far as retail goes, your best bet is to drive to Siglap or Marine Parade; it’s not far, but frankly it’s not convenient without a car.

Interestingly, this landed property has two kitchens: the dry kitchen is a massive open concept plan, which doubles as dining space. The wet kitchen (where all the washing up and sinks are located) is in a smaller, separate space. This is an old school configuration that you rarely see anymore, but it’s great for hosting big parties.

Good for:

If a large space and quiet environment is for you and you already own a car, then you’ll like this one. There are few areas in Singapore that exude this level of serenity, and it’s hard to find so much room at a comparatively reasonable price.

Belgravia Villa

Belgravia Drive, District 28

Freehold, Inter-terrace 3,520 to 3,584 square feet, Corner-terrace 3,584 to 3,767 square feet, semi-detached 3,929 to 4,026 per square feet

Approx. $2,650,000

Belgravia Villa will TOP in 2018, and this cluster of landed houses will take advantage of the Seletar Aerospace Park – that’s still under development, but it will likely drive up rental prospects once it’s finished.

As for current conditions, the location suffers from the lack of an MRT station. The units here are strictly for drivers only (unless you are okay to rely on the one bus stop outside the development; even cabs are infrequent).

If you are a current car-owner, then this major drawback falls away. You’re about a 10-minute drive from the Ang Mo Kio hub, and the future North-South Expressway will give you quick access to central Singapore. Within five minutes is a small mall called Greenwich V, and it’s surrounded by small but fancy dining options (the sort that hipsters and expats like, such as wine bars and places that put pear in hamburgers).

Good for:

Long term gains. The prices are low right now, because the location isn’t fantastic; but once the nearby aerospace park is built, and the expressway is up, owners will probably see nice gains.

For home-buyers, this is a chance to get high-end interiors that you normally find in District 9 or 10 condos. At the same time, you’ll have as much space (probably more) than those pricier options. If you don’t mind having to drive, this is a serious bargain to consider.

Thomson Hills Estate

Thomson Terrace, District 20

Freehold, 4 bedrooms, 6 bathrooms, 2,200 square feet (land area)

Approx. $2,999,888

This unit is the oldest on the list, having been completed in 1980. But the condition is still great, as it was reconstructed in 2011. It has two storeys, with a front and back garden, and is about eight to 10 minutes from Mayflower MRT station.

St. Nicholas Girls’ School is within one kilometre, and both Lower Pierce and MacRitchie Reservoir are less than a 10-minute drive away.

There aren’t many amenities in walking distance, to be frank. But you can get to Thomson Plaza or NEX mega mall with a 10-minute drive as well.

There’s not much more to say about this unit, other than that it’s rare to get a freehold landed property of this size near Upper Thomson; especially at this price range.

Good for:

If you want a sizeable and fancy home, but don’t want to pay Sentosa Cove type prices, this is the closest you’ll get. This area will also suit drivers who hate traffic, and don’t like going into town; the roads here are congestion free at almost any hour.

The Morris Residences

Paya Lebar Crescent, District 19

Freehold, 4 bedrooms, 5 bathrooms, 4,015 square feet (land area)

Approx. $2,852,000

Quirky and unusual is what comes to mind when I reviewed this landed property, but in a good way. The first thing that gets your attention is the location – it’s close to Kensington Square, which has a Giant supermarket.

In case it hasn’t been abundantly clear in this list, landed homes usually mean a degree of isolation (the prestige comes from not being surrounded by hawker centres and rowdy malls). This is the only landed property on the list where you can take a five to eight-minute walk to a supermarket. The development is also quite close to NEX at Serangoon, and it always helps to have a full-service shopping mall that’s a short drive away (five minutes or so).

The Morris Residences is actual a cluster of 10 houses. The most outstanding features would be the Ken-jo lift, and the balcony pool. The lift provides basement access, which is linked to the car park; it also means less climbing up and down the stairs (helpful if you have elderly residents or creaky knees).

The balcony pool is literally what it sounds like – a balcony where you can take a dip, and look over the horizon. It’s not big enough for full-on Olympic practice obviously, but it’s a unique way to unwind (or get struck by lightning if it’s raining; you can’t use it in bad weather, despite the awesome temptation to sit in it during a storm).

Good for:

One of the rare landed properties that’s not super-inconvenient, in terms of location. Also, the balcony pool is a hard feature to find. A very solid buy given the price.


Wak Hassan Drive, District 27

Freehold, 6 bedrooms, 6 bathrooms, 3,466 square feet (land area)

Approx. $2,301,000

This landed property is the new kid on the block (our puns get worse by the month), and it is hot right now. Bukit Sembawang Estates, the property developer, has already sold 18 of the 80 units, and TOP is only in 2020.

Watercove is a low-rise, cluster housing project with a seafront. Not a seafront view mind you, but the actual seafront, sand and all that. It’s just a short walk away from the houses.

The units are built to take advantage of that – the roof terraces are designed for BBQs while giving you the full view. This creates a sort of East Coast or Sentosa area vibe. There’s even a lift to take you directly to the terrace, so you won’t have to lug 10 trays of food and a coal bag up to the roof.

Location wise, well, you know how it is with landed housing. You’ll need to use the shuttle bus to get to the Sembawang MRT station. Retail and dining are mostly non-existent in the immediate area for now, so you’d better get used to ordering from RedMart (and to the McDelivery guy getting lost). We’ll tell you right now, you’ll take 40 minutes to get to the Central Business District by car.

That being said, this is an ideal location for anyone who loathes the urban jungle that makes up most of Singapore. It feels as if you’re not living in Singapore, but on some kind of resort island.

Good for:

People who want to be far from the madding crowd, but don’t want to fork out insane Sentosa Cove prices. Also for homeowners who prize seafront living over having a mall or hawker centre nearby.

Balking at the price tag that comes with a private landed property? Check out these HDB terrace flats that provide a landed living experience in a public housing setting.


Rental viewing checklist for the savvy tenant
JULY 2, 2017
rental viewing checklist

When it comes to renting, it’s better to be safe than sorry!
We’ve all heard of that one friend (or friend’s friend) who’s encountered a downright nightmarish rental situation. When this happens, you’ll have to choose between the lesser of the two evils – staying there and sucking it up, or terminating your tenancy agreement early (which could lead to some pretty hefty penalties). To make sure you limit your chances of running into unforeseen problems as a tenant, check out our rental viewing checklist that contains all the important information you should take note of when viewing your potential home. Make sure you inspect the apartment like a hawk during your viewing (and don’t be afraid to ask for multiple viewings if necessary), so that you don’t get any nasty surprises down the road!

Apartment exterior

Investing the time to inspect the common area around the unit, and the condo/apartment grounds is worth your while as you should know what’s going on around you.

Does the property seem secure?
Is there a burglar alarm or any sort of security at the entry point?
Is there a garden? If so, who is responsible for the garden’s maintenance?
Is there parking available?
Utilities and amenities

Essential for daily living, looking out for these features has an impact on your quality of life at the premise.

Are there sufficient powerpoints and are these located conveniently?
Is there Wifi? How strong is the Wifi signal in both the common areas, and in your room?
Are laundry facilities free to use?
Upkeep and maintenance

You’ll be spending a fair amount of time at home. Is the condition of the premise something you’ll be happy coming home to every day?

Are there any signs of badly flaking paint, infestations (book lice/termites/ants), or other general wear and tear?
Are there any items that are broken and/or not functioning?
Is there air conditioning? Does it work well? Who is responsible for cleaning the aircon filters?
Is there are loose or dodgy wiring? Do all the lights work well?
Do the kitchen appliances work well? Are all the burners in the stove working?
Is the bathroom in good shape, with non-leaky taps? Is the water heater working properly? Does the WC flush properly?


It’s highly advisable to be absolutely clear on money issues with the landlord before committing to a lease.

Other than the rent, are there any other bills or maintenance fees that you need to pay?
How much deposit is required? In which circumstances will the deposit be forfeited?
How long does the lease agreement run for? At which point can the landlord increase the rent, and by how much?
Other questions to ask your landlord

Miscellaneous points to bring up to ensure your well-being as a tenant.

If there are other tenants, what are they like?
What are the neighbours like?
To what extent can you decorate? Can you paint the walls?
Has the apartment ever been burgled or damaged?
What are the building’s quiet hours?
Who is the point of contact for maintenance requests? What is the typical response time for these requests?
You’ll want to make sure that you have all these covered before making the decision whether or not to rent the premise; depending on how watertight your contract is, it’ll be hard getting out of it once you sign on the dotted line.

Another tip: if you’re expecting multiple tenants or roommates, go through our list of 19 questions to ask before moving in with a roommate. There’s nothing quite as off-putting as discovering that your new roommates are the exact opposite from you when it comes to day-to-day habits (having to stay with someone who loves loud music when you prefer a bit of peace and quiet, for example, can be excruciating). Good luck!