Daniel Choy

Thursday, 18 December 2025

Christmas 2025 CWW Community

Stage Right Camera

Stage Left Camera

Final Rehearsal with Narration

Final Rehearsal without Narration

Audio Recording from the speaker stage left

Praise & Worship Songs Content Page
Christmas Carols Content Page

Download Word Format

Embed Documents, Audio to blogger post

Summary way to remember embedding Audio and PDF Files

So, Embedding audio and pdf is similar right?

Syntax

</iframe>

Where

URL minus from view? onwards

URL:

https://drive.google.com/file/d/1X_ZBs31vhazvf8lKVEG_wflmpNGDre0x/view?usp=drive_link

____: range from 60 to 700

to add below for audio after the Height command is optional. This is to allow the audio or video to auto play.

  allow="autoplay">

Yes — that’s exactly right, and your summary is a perfect simple way to remember it.

Here’s a clean version with clarifications:

Embedding PDFs or Audio (Google Drive)

<iframe src="URL/preview" width="100%" height="____"></iframe>

Where:

URL → the Google Drive link up to /view (remove everything from ? onwards)
/preview → required to make it display in the iframe
width="100%" → usually full page width
height="____" → pixels, depending on content:
- Audio: 60–100
- PDF: 400–700

✅ Example: PDF

<iframe src="https://drive.google.com/file/d/FILE_ID/preview" width="100%" height="600"></iframe>

✅ Example: Audio

<iframe src="https://drive.google.com/file/d/FILE_ID/preview" width="100%" height="80"></iframe>

Quick memory trick

iframe = box
src = what to show
/preview = needed for Drive
height = enough room for content

If you want, I can make a tiny visual cheat sheet showing PDF vs Audio embed in one table, so it’s super easy to copy-paste. Do you want me to do that?

How to embed Audio into blogger post?

syntex

<iframe  
  src="URL/preview" 
  width="100%" 
  height="60"
  allow="autoplay">
</iframe>

Copied URL, cut the Green Portion to replace the URL in red above

https://drive.google.com/file/d/1X_ZBs31vhazvf8lKVEG_wflmpNGDre0x/view?usp=drive_link

Method 1: Copy the Link and paste into ChatGPT and ask ChatGPT to embed

Step-by-step

Step 1: Upload Audio to Drive and Copy Link

Go to Google Drive
Upload your audio file (MP3, M4A, WAV) to Google Drive
Right-click the file → Share → Share
Change access to “Anyone with the link → drop down arrow, change to Viewer”
Click Copy link

Eg of a Link being Copied looks like the following

https://drive.google.com/file/d/1X_ZBs31vhazvf8lKVEG_wflmpNGDre0x/view?usp=drive_link

Step 2: Ask ChatGPT to embed

Please help to embed the following audio file link for me to post to blogger

It will return with the following results

Step 3: Copy the Step to embedded code and paste to blog post HTML Page

Method 2: Create your own embedded code with the following steps

Step-by-step

Step 1: Upload Audio to Drive and Copy Link

Go to Google Drive
Upload your audio file (MP3, M4A, WAV) to Google Drive
Right-click the file → Share → Share
Change access to “Anyone with the link → drop down arrow, change to Viewer”
Click Copy link

Eg of a Link being Copied and paste into any text editing for later use. Copy or Cut only the green portion at the text editor. The rest delete or discard, of no use.

https://drive.google.com/file/d/1X_ZBs31vhazvf8lKVEG_wflmpNGDre0x/view?usp=drive_link

~~https://drive.google.com/file/d/~~1X_ZBs31vhazvf8lKVEG_wflmpNGDre0x~~/view?usp=drive_link~~

Step 2: Copy and Paste and use the following in the blog HTML

<iframe 
  src="https://drive.google.com/file/d/FILE_ID/preview" 
  width="100%" 
  height="60" 
  allow="autoplay">
</iframe>

Step 3: Replace the Red Portion (FILE_ID) with the Green Portion (1X_ZBs31vhazvf8lKVEG_wflmpNGDre0x)

Copy or Cut and Paste the Green Portion to Paste onto the Red Portion

The Final result is as follow. Ready to use embedded code

<iframe 
src="https://drive.google.com/file/d/1X_ZBs31vhazvf8lKVEG_wflmpNGDre0x/preview"

width="100%" 
height="60" 
allow="autoplay">
</iframe>

Step 4: Copy the Step 3 embedded code and paste into the blog post HTML page

How To Embed PDF and other Documents In Blogger Blog Posts?

<iframe src="URL/preview"
width="100%" height="700px">

</iframe>

<iframe src="https://drive.google.com/file/d/1m6bV62zmabZ9oZnWNLyfN8aX2BVRh0nR/preview"
width="100%" height="700px">

</iframe>

From Dec 2025 onwards
The New UI (User Interface) no longer showing up OPEN IN NEW WINDOW. Have to use following complicated steps from Dec 2025 onwards

Use ChatGPT to help to embed the code

In the event that the following didn't work
Open the pdf file in Google drive (preview mode) - Share - Copy Link - Launch ChatGPT - Paste into Link into chatGPT - TYPE get the embedded code for me

Or

Do the Embedding code yourself

On the pdf file name you want, on the far right, 3 dots menu - click on it - Share - Right arrow - Copy Link, it should look something like this

https://drive.google.com/file/d/1m6bV62zmabZ9oZnWNLyfN8aX2BVRh0nR/view?usp=drive_link

Replace: /view?usp=drive_link
With: /preview:

Result Link:
https://drive.google.com/file/d/1m6bV62zmabZ9oZnWNLyfN8aX2BVRh0nR/preview:

Sample Template of embedded iframe:
<iframe src="PDF_LINK_HERE" width="100%" height="700px"></iframe>

Copy the Result Link to Replace the "PDF_LINK_HERE"

Final Embedded code
<iframe src= https://drive.google.com/file/d/1m6bV62zmabZ9oZnWNLyfN8aX2BVRh0nR/preview:
width="100%" height="700px"></iframe>

Terms:

What src stand for in HTML code?

In HTML, src stands for “source”.

What it means

src specifies the source URL or file location of the content that an element needs to load.

Source + URL (location of the file in Google drive). Ignore the open quote and close quote often used in the example

After any command word, there should not be open and close quote

Example

src="photo.jpg"

It means

Src=URL(where is the source location of the file to be loaded)

Common examples

Image

<img src="photo.jpg" alt="My photo">

photo.jpg is not the file name, it is the URL (file location in Google drive)

My photo: is just a suggested text that you can replace it with any text you wish to type in, it will not show up unless image failed to be loaded.

<img src=URL alt="______">

Where:

URL → the file location link (where the image is stored)

______ → the alternative text (words of your choice that describe the image)

➡️ The browser loads photo.jpg as the image source.

Audio

<audio controls>
  <source src="song.mp3" type="audio/mpeg">
</audio>

Unfortunately, <audio controls> </audio> cannot accept link from google drive. So it is better to use the <iframe> method as described above

➡️ src points to the audio file.

Video

<video controls src="movie.mp4"></video>

Script (JavaScript)

<script src="app.js"></script>

➡️ Loads an external JavaScript file.

Iframe

<iframe src="https://example.com"></iframe>

WWhen iframe is used, since it is a frame, must provide width and height

➡️ Loads another webpage inside the frame.

In simple terms

src tells the browser: “Get the content from here.”

If you want, I can also explain the difference between src vs href, which often confuses people.

For image, must it end with alt="My photo">

What does alt stands for

Good question 👍

1. Is `alt="My photo"` required for images?

No, it is not strictly required for the image to load, but it is strongly recommended.

<img src="photo.jpg">

✔️ This will still display the image.

However, best practice is:

<img src="photo.jpg" alt="My photo">

2. What does `alt` stand for?

alt = “alternative text”

It provides a text alternative to the image.

3. Why `alt` is important

✅ If the image fails to load

The text in alt will be shown instead.

✅ For screen readers (accessibility)

Visually impaired users rely on alt text to understand what the image represents.

✅ For SEO (search engines)

Search engines cannot “see” images; alt text helps them understand the image content.

4. When to use `alt` and how

Informative image

<img src="church.jpg" alt="Church building during Christmas service">

Decorative image (no meaning)

<img src="divider.png" alt="">

(Empty alt tells screen readers to skip it.)

Simple summary

src = where the image comes from
alt = text replacement if the image cannot be seen

If you want, I can also explain when NOT to use alt text or how to write good alt descriptions.

Wednesday, 17 December 2025

Industrial and Commercial Property Loan

Q & A

If a Singapore PR want to open a limited company in Singapore to purchase a B1 in Singapore. But they already have operation in China and batam, can they use their oversea finically statement to borrow money in Singapore financial institutions to fund the above purchase

Yes — it is possible, but there are important conditions and limitations when a Singapore PR wants to borrow from a Singapore bank using overseas operations as financial support. Here’s a detailed explanation:

1. Singapore PR opening a company and buying B1 industrial property

A Singapore PR (Permanent Resident) can incorporate a Private Limited Company in Singapore.
The company can then purchase a B1 industrial unit as its business premise, provided:
- The company is registered with ACRA
- The purpose is legally allowed for industrial use
- Compliance with URA/HDB guidelines for property type is met (if it’s B1 leasehold from government or developer)

2. Using overseas financial statements to borrow in Singapore

Singapore banks generally prefer Singapore-based financials when lending to local entities.
However, for PRs or companies with significant overseas operations, banks may consider overseas audited financial statements if:
1. The company is profitable and well-established
2. Financial statements are audited by reputable auditors
3. Bank can verify cash flow, profitability, and debt service capacity
Banks often require additional collateral or guarantees if the revenue is overseas, because repayment risk is higher.

3. Practical bank considerations

Factor	What banks usually require
Creditworthiness	Singapore PR or company credit history, plus overseas track record
Collateral	B1 property itself, sometimes personal guarantee, sometimes additional assets in Singapore
Financial statements	Audited accounts (local or overseas), translated into English if needed
Cash flow	Must demonstrate ability to service loan from company revenue or PR’s personal funds
Loan-to-Value (LTV)	Often lower than local-only company loans (e.g., 50–70%) if income is mostly overseas

4. Alternative ways to strengthen loan application

Co-signing: PR or Singapore citizen as personal guarantor
Singapore bank accounts: Show deposit history and liquidity in Singapore
Lease or rental income: If B1 unit will generate revenue, this can be factored in
Conversion of overseas revenue: Show funds can be legally repatriated to Singapore

5. Key points to remember

Using overseas financial statements does not automatically guarantee approval. Banks assess:
- Credit risk
- Repayment risk
- Legal and regulatory compliance
Interest rates may be higher due to perceived risk
Documentation must be audited, reliable, and possibly translated
Certain banks may refuse non-local financials for property financing; it depends on bank policy

✅ Summary

PR can open a company → buy B1 property
Banks can consider overseas financial statements, but:
- Usually require audited reports
- May require guarantees / collateral
- May offer lower loan-to-value ratio
- Approval is case-by-case

If you want, I can make a step-by-step guide for a Singapore PR with overseas operations to secure a B1 property loan, including:

Documents needed
Recommended banks
How to present overseas financials for better approval

Do you want me to do that?

Company involved in silk screen printing, storage, office and showroom, is B1 or B2 industrial building is more suitable

For your situation — a company involved in:

Silk screen printing (manufacturing/production)
Storage (warehouse)
Office
Showroom

…the suitability of B1 vs B2 industrial zoning depends on the type of activities and intensity of use. Here’s a detailed breakdown:

1. B1 Industrial (Light Industrial Use)

Allowed activities:

Light manufacturing / assembly
Small-scale fabrication / workshops
Ancillary office space
Showrooms if incidental to industrial activity

Characteristics:

Typically low-impact: minimal noise, dust, fumes
Often has restrictions on customer traffic
Suitable for businesses that don’t need heavy machinery or produce little pollution

Pros for your business:

B1 is usually cheaper than B2
Easier to get office and small showroom approvals if combined with light industrial use

Cons:

Silk screen printing may involve inks, solvents, fumes — some B1 estates may restrict this if considered higher impact
Limited customer or public access (so showroom visits may be restricted)

2. B2 Industrial (General/Heavy Industrial Use)

Allowed activities:

Light + heavy industrial activities
Manufacturing with higher emission/noise levels
Warehousing and storage
Office space ancillary to industrial use
Showroom possible, but typically smaller and secondary

Characteristics:

Suitable for more intensive industrial processes
Can handle higher volumes of materials, machinery, and chemicals
Often less restrictive on operational hours

Pros for your business:

Silk screen printing with inks/chemicals may require B2 if emissions or cleaning processes are considered higher impact
Storage and office functions are easily accommodated

Cons:

B2 estates often less premium, may have fewer amenities for walk-in customers
Showroom function may need to be incidental to industrial use

3. Other considerations

Factor	Impact
Customer traffic	B1 may restrict visitors if showroom is open to the public
Machinery / emissions	If printing involves solvents/fumes → B2 safer
Leasing costs	B1 usually cheaper than B2
Parking & loading	B2 usually has larger loading bays & parking for trucks

✅ Recommendation

Scenario analysis:

If your printing is light, low emission, and showroom is important → B1 could be sufficient.
If your printing involves chemicals, heavy equipment, or larger storage → B2 is safer to avoid compliance issues.

Tip: Some companies choose B2 even if light industry, for future-proofing (more flexibility for production expansion and chemical use).

If you want, I can make a clear side-by-side table for your company’s specific functions showing B1 vs B2 suitability, including legal compliance, showroom, and storage considerations. This makes it easy to decide which to target.

Do you want me to do that?

Here’s a clear side-by-side comparison for your company (silk screen printing, storage, office, showroom) between B1 (Light Industrial) and B2 (General/Heavy Industrial) in Singapore:

Function / Factor	B1 Industrial	B2 Industrial	Notes / Suitability
Silk Screen Printing	✅ Allowed if low-emission, light manufacturing	✅ Allowed, suitable for higher volume, chemical-based, or heavier printing	If using inks/solvents/fumes, B2 is safer to avoid compliance issues
Storage / Warehouse	✅ Allowed, usually limited floor load & size	✅ Allowed, heavier load and larger storage possible	B2 better for larger inventory or heavier goods
Office / Admin	✅ Ancillary office allowed	✅ Ancillary office allowed	Both B1 & B2 permit offices as long as main use remains industrial
Showroom / Customer Access	✅ Allowed if incidental to industrial use	✅ Allowed if incidental	B1 may have restrictions on walk-in traffic; B2 allows showroom but it must not be the main function
Noise / Fumes / Emissions	⚠ Limited tolerance	✅ Can accommodate higher noise or chemical usage	For silk screen printing with solvents, B2 avoids potential fines or restrictions
Leasing / Rental Costs	✅ Usually cheaper	⚠ Slightly more expensive	B1 can be cost-effective if production is light
Operational Hours / Flexibility	⚠ May have restrictions	✅ Flexible hours, better for 24/7 or shift work	B2 offers more operational freedom
Loading / Parking / Logistics	⚠ Smaller loading bays	✅ Larger loading bays and parking	Important if frequent deliveries or trucks are needed

✅ Summary Recommendation

If your printing is light, minimal chemicals, and showroom is important for customers → B1 can work.
If your printing uses chemicals, involves fumes, heavier production, or large storage → B2 is safer and more flexible.
Future-proofing: Many companies choose B2 even for light industrial work because it allows expansion or changes in production processes without zoning problems.

If you want, I can also give a practical checklist of what to check when inspecting B1 vs B2 units for your type of business, including ventilation, load-bearing capacity, and showroom setup. This helps avoid regulatory or operational issues later.

Do you want me to make that checklist?

TDSR does apply to Industrial and commercial loan on the directors listed in ACRA if the company is newly incorporated

Here’s the accurate clarification on TDSR (Total Debt Servicing Ratio) and how it applies to industrial/commercial property loans in Singapore — especially when a new company is borrowing and directors are involved:

🧾 1. TDSR is a banking/credit framework set by MAS

TDSR is a rule introduced by the Monetary Authority of Singapore (MAS) designed to limit how much of an individual’s gross monthly income can go toward repaying all loans (typically capped at ~55–60%). It was primarily introduced to reduce excessive leverage among residential property borrowers.

However:

📌 Commercial/industrial loans are generally not subject to TDSR

According to property loan guides and banking practice in Singapore:

Commercial/industrial property loans (e.g., B1 industrial) do not fall under the TDSR regime the way residential mortgages do.
Banks assess these loans mainly on business cash flow, company financials, creditworthiness, and collateral, not the individual’s TDSR.

This means:

If a company applies for a commercial/industrial property loan in its own name, the TDSR framework does not automatically apply to that company’s loan approval.

🧑‍💼 2. So when do directors’ personal finances matter?

Even though the company may be the borrower, banks often ask for personal guarantees from directors — especially for newly incorporated companies without much local track record or financial statements. In that case:

✔ If a director personally guarantees the loan:

Banks will look at the director’s ability to support the guarantee, which may involve:

Personal income
Personal debt obligations
Credit profile

In such cases, the bank may consider the director’s personal debt servicing capacity — which can resemble TDSR-style assessment — but it’s not strictly the statutory MAS TDSR regime that applies to residential lending; it’s more a bank’s internal credit risk assessment.

So in practice:

A well‑established company with solid financials & cash flow may be able to borrow on its own without heavy reliance on director personal guarantees.
A brand‑new company often needs directors to guarantee the loan, and then the bank may assess the directors’ personal finances — including how much debt they can service.

📌 3. Why this matters practically

Scenario A — Established business
✔ Company has audited financials, profit, strong cash flow
✔ Bank gives loan to company based on its merits
✔ Directors may not need heavy personal recourse
⟶ TDSR-like limits may not be applied

Scenario B — Newly incorporated company
✔ No Singapore financial history
✔ Bank likely requires personal guarantee
✔ Bank assesses directors’ personal finances
⟶ This may limit how much you can borrow based on your creditworthiness (similar to TDSR), but this is bank credit policy, not the MAS TDSR rule for residential mortgages.

🔍 Key Distinctions

Aspect	Residential Loans	Commercial/Industrial Loans
MAS TDSR mandatory	✅ Yes	❌ Generally no*
Bank may assess personal finances	Yes	Yes, if personal guarantee provided
Loan assessment basis	Income vs debt obligations	Business cash flow, company financials
Role of director	Personal borrower	Usually guarantor, not borrower

*MAS has at times provided temporary relief or clarifications about TDSR for property loans including industrial when deferred, but that relates to payment deferment programs — not the standard borrowing framework.

🧠 In simple terms

✔ If the company is borrowing in its own name, TDSR doesn’t automatically apply like it does for residential loans.
✔ But if directors sign personal guarantees, banks will want to check their ability to support the debt — effectively putting pressure on personal finances (which feels like a TDSR check) to protect the bank.
✔ The stronger the company’s cash flow, the less personal finance matters.

🧩 Practical tips before applying

Prepare good company financial projections — banks focus more on business cash flow for industrial loans.
If your company is new and lacks Singapore history, expect banks to want personal guarantees.
Ask the bank whether they use director’s income & obligations in underwriting — different banks have different policies.
A good accountant or loan broker can help structure your application to minimize personal guarantee exposure.

If you’d like, I can break down how directors’ personal guarantees affect your borrowing power and how to strengthen your application for an industrial/warehouse loan in Singapore — just let me know!

Friday, 28 November 2025

老鼠爱大米 (Lao Shu Ai Da Mi) - 郭美美 @ Jan 2006. C-C#-D Chord. (Lyrics and Chords)

YouTube Video Original Key: C-C#-D (Female Singer). Tempo节奏: 67 or 114 bpm 拍速

YouTube Video Original Key: F-F#-G (Male Singer). Tempo节奏: 74 or 148 bpm 拍速

老鼠爱大米 (Lao Shu Ai Da Mi) - 郭美美 @ Jan 2006

Original Singer 原唱: 王啟文 (Wang Qi Wen) @ 2004, Key: F-F#-G (Male Singer)

Tempo: 67 or 114 bpm (王啟文)

曲詞:楊臣剛, 唱:杨臣刚编 Arranged by: 琅峰小宝 Kermit Tam

Original Key: C-C#-D (Female Singer 郭美美版本 Cover)

Time Signature 拍号: 4/4 Tempo 节奏: 74 or 148 bpm 拍速

Sequence: Intro-V-C-Inter-Transpose (C#)-V-C-Transpose(D)-C-C

Intro 前奏: | F - ^G - - | C - ^Am - - | F - ^G - - | F - ^C - - (2x)

Verse 第一段

- | C - G - | Am - F -

Wǒ tīng jiàn nǐ de shēng yīn Yǒu zhǒng tè bié de gǎn jué

我听见你的声音有种特别的感觉

When I heard your voice I got a kind of special feeling

| C - Am - | F - G

Ràng wǒ bù duàn xiǎng Bù gǎn zài wàng jì nǐ

让我不断想不敢再忘记你

Allow me to keep thinking and don't dare to forget you

- | C - G - | Am - Em -

Wǒ jì dé yǒu yī gè rén Yǒng yuǎn liú zài wǒ xīn zhōng

我记得有一个人永远留在我心中

I remember there's a person Forever remain within my heart

| F - G - | C - -

Nǎ pà zhǐ néng gòu zhè yàng de xiǎng nǐ

哪怕只能够这样的想你

Even if this is all I can think of you

- | Em - Am - | F G C -

Rú guǒ zhēn de yǒu yī tiān Ài qíng lǐ xiǎng huì shí xiàn

如果真的有一天爱情理想会实现

If really there is a day Love ideal becomes reality

| Em - Am - | Dm - G -

Wǒ huì jiā bèi nǔ lì hǎo hǎo duì nǐ yǒng yuǎn bù gǎi biàn

我会加倍努力好好对你永远不改变

I will double my efforts to treat you and forever never change

| Em - Am - | F G C -

Bù guǎn lù yǒu duō me yuǎn Yī dìng huì ràng tā shí xiàn

不管路有多么远一定会让它实现

No matter how long the journey may be, I will surely make it come true

| Em - Am - | Dm - Dm - | G - -

Wǒ huì qīng qīng zài nǐ ěr biān duì nǐ shuō, duì nǐ shuō

我会轻轻在你耳边对你说, 对你说

I'll lean close to your ear and gently say to you,

Chorus

- | C - Am - | C - Em -

Wǒ ài nǐ, ài zhe nǐ Jiù xiàng lǎo shǔ ài dà mǐ

我爱你爱着你就像老鼠爱大米

I love you, I'm loving you, Just like mice love big grain rice

| F - Em(C) - | Dm - G

Bù guǎn yǒu duō shǎo fēng yǔ Wǒ dū huì yī rán péi zhe nǐ

不管有多少风雨我都会依然陪着你

No matter how many storms may be, I will still be accompanying you

- | C - Am - | C - Em -

Wǒ xiǎng nǐ xiǎng zhe nǐ Bù guǎn yǒu duō me de kǔ

我想你想着你不管有多么的苦

I miss you, I'm missing you, No matter how bitter the way may be

| F - Em - | Dm - G - | G ^C G# -

Zhǐ yào néng ràng nǐ kāi xīn Wǒ shén me dōu yuàn yì Zhè yàng ài nǐ

只要能让你开心我什么都愿意这样爱你

So long it makes you happy, I'm willing to do anything to love you

Transpose to C# (using G#)

[Repeat Intro - Verse - Chorus]

Transpose to D (using A)

[Repeat Chorus - Chorus]

老鼠爱大米 (Lao Shu Ai Da Mi) - 郭美美 @ Jan 2006

Original Singer 原唱: 王啟文 (Wang Qi Wen) @ 2004, Key: F-F#-G (Male Singer)

Tempo: 67 or 114 bpm (王啟文)

曲詞:楊臣剛, 唱:杨臣刚编 Arranged by: 琅峰小宝 Kermit Tam

Original Key: C-C#-D (Female Singer 郭美美版本 Cover)

Time Signature 拍号: 4/4 Tempo 节奏: 74 or 148 bpm 拍速

Sequence: Intro-V-C-Inter-Transpose (C#)-V-C-Transpose(D)-C-C

Intro 前奏: | F - ^G - - | C - ^Am - - | F - ^G - - | F - ^C - - (2x)

Verse 第一段

C G Am F

Wǒ tīng jiàn nǐ de shēng yīn Yǒu zhǒng tè bié de gǎn jué

我听见你的声音有种特别的感觉

When I heard your voice I got a kind of special feeling

C Am F G

Ràng wǒ bù duàn xiǎng Bù gǎn zài wàng jì nǐ

让我不断想不敢再忘记你

Allow me to keep thinking and don't dare to forget you

C G Am Em

Wǒ jì dé yǒu yī gè rén Yǒng yuǎn liú zài wǒ xīn zhōng

我记得有一个人永远留在我心中

I remember there's a person Forever remain within my heart

F G C C

Nǎ pà zhǐ néng gòu zhè yàng de xiǎng nǐ

哪怕只能够这样的想你

Even if this is all I can think of you

Em Am F G C

Rú guǒ zhēn de yǒu yī tiān Ài qíng lǐ xiǎng huì shí xiàn

如果真的有一天爱情理想会实现

If really there is a day Love ideal becomes reality

Em Am Dm G

Wǒ huì jiā bèi nǔ lì hǎo hǎo duì nǐ yǒng yuǎn bù gǎi biàn

我会加倍努力好好对你永远不改变

I will double my efforts to treat you and forever never change

Em Am F G C

Bù guǎn lù yǒu duō me yuǎn Yī dìng huì ràng tā shí xiàn

不管路有多么远一定会让它实现

No matter how long the journey may be, I will surely make it come true

Em Am Dm Dm G

Wǒ huì qīng qīng zài nǐ ěr biān duì nǐ shuō, duì nǐ shuō

我会轻轻在你耳边对你说, 对你说

I'll lean close to your ear and gently say to you,

Chorus

C Am C Em

Wǒ ài nǐ, ài zhe nǐ Jiù xiàng lǎo shǔ ài dà mǐ

我爱你爱着你就像老鼠爱大米

I love you, I'm loving you, Just like mice love big grain rice

F Em(C) Dm G

Bù guǎn yǒu duō shǎo fēng yǔ Wǒ dū huì yī rán péi zhe nǐ

不管有多少风雨我都会依然陪着你

No matter how many storms may be, I will still be accompanying you

C Am C Em

Wǒ xiǎng nǐ xiǎng zhe nǐ Bù guǎn yǒu duō me de kǔ

我想你想着你不管有多么的苦

I miss you, I'm missing you, No matter how bitter the way may be

F Em Dm G G C G#

Zhǐ yào néng ràng nǐ kāi xīn Wǒ shén me dōu yuàn yì Zhè yàng ài nǐ

只要能让你开心我什么都愿意这样爱你

So long it makes you happy, I'm willing to do anything to love you

Transpose to C# (using G#)

[Repeat Intro - Verse - Chorus]

Transpose to D (using A)

[Repeat Chorus - Chorus]

Praise & Worship Songs Content Page
Christmas Carols Content Page

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Thursday, 20 November 2025

It’s Beginning To Look A Lot Like Christmas – Bing Crosby @ 1951. G Chord. (Lyrics and Chords)

YouTube Video Original Key Signature: E (Male Singer)

It’s Beginning To Look A Lot Like Christmas – Bing Crosby @ 1951

Writer: Meredith Willson (1951)

Original Key Signature: G (NCC Version) 112 bpm

Time Signature: 6/8 Shuffles beat Tempo: 112 bpm

Sequence: V1-V2-C-V3-V4-Inter-C-Outro

Guys: Blue Girls: Red (NCC Christmas 2025 Version)

Intro: | G - - - | G - - - | G - - - | A D7 G Em7 | A7 - - - | D7 - - -

Verse 1

= - - | G - - = - - | C - - = - - | G - - = - - | G - - = - -

It's be-gin-ning to look a lot like Christ-mas

| G - - = - - - | Bm7 - - = - - | C - - = - - | E7 - -

E - very - where you go

= - - | Am7 - - = - - | D7 - - = - - | G - - = - - | Em - - = -

Take a look in the five - and - ten, gli-sten-ing once a - gain

- | Am7 - - = - - | Am7 - - = - - | D7 - - = - - | D7 - -

With can - dy canes and sil - ver lanes a - glow

Verse 2

= - - | G - - = - - | C - - = - - | G - - = - - | G - - = - -

It's be-gin-ning to look a lot like Christ-mas

| G - - = - - - | Bm7 - - = - - | C - - = - - | E7 - -

Toys in e - very store

= - - | Am7 - - = - - | B7 - - = - - | Bm - - = - - | E7 - -

But the pret - ti-est sight to see, is the hol - ly that will be

= - - | Am7 - - = - - | D7 - - = - - | G - - D - - | G -

On your own front door

Chorus

- = - - | G - - = - - | B7 - - =

A pair of hop a-long boots and a roc - ket that shoots

- - | Em - - B7 - - | Em - - = - -

Is the wish of Bar-ney and Ben

| A7 - - D - - | B7 - - A7 - - | D7 - - Am - - | D7 - - = - -

Dolls that will talk and will go for a walk Is the hope of Ja - nice and Jen

- | D7 - - = - - | D7 - - = - - | D7 - - = - - | D7 - - = - | D - D7 - | G - D

And Mom and Dad can hard - ly wait for school to start a - gain [To Verse 3]

- | B7 - - = - - | B7 - - = - - | B7 - - = - - | B7 - -

Ah ha ha ha ha ha ha ha ha ha ha ha ha ha [Sing only 2nd Chorus]

Verse 3

= - - | G - - = - - | C - - = - - | G - - = - - | G - - = - -

It's be-gin-ning to look a lot like Christ-mas

| G - - = - - - | Bm7 - - = - - | C - - = - - | E7 - -

E - very - where you go

= - - | Am7 - - = - - | D7 - - = - - | G - - = - - | Em - - =

There's a tree in the Grand Ho-tel, one in the park as well

= - - | Am7 - - = - - | Am7 - - = - - | D7 - - = - - | D7 - -

It's the stur - dy kind that does - n't mind the snow

Verse 4

= - - | G - - = - - | C - - = - - | G - - = - - | G - - = - -

It's be-gin-ning to look a lot like Christ-mas

| G - - = - - - | Bm7 - - = - - | C - - = - - | E7 - -

Soon the bell will start

= - - | Am7 - - = - - | Bm - - = - - | G - - = - - | Em - -

And the things that will make them ring is the ca - rol that you sing

= - - | Am7 - - = - - | D7 - - = - - | G - - = - - | G - - = - - | G

Right wi - thin your heart

Interlude: | G - C - | G - - - | G - Bm - | C - E7 -

| Am7 - Bm - | G - Em - | Am7 - D7 - | G - G -

[Repeat Chorus]

Outro

= - - | G - - = - - | C - - = - - | G - - = - - | G - - = - -

It's be-gin-ning to look a lot like Christ-mas

| G - - = - - - | Bm7 - - = - - | C - - = - - | E7 - -

Soon the bell will start

= - - | Am7 - - = - - | Bm - - = - - | G - - = - - | Em - -

And the things that will make them ring is the ca - rol that you sing

= - - | Am7 - - = - - | D7 - - = - - | G - - = - - | G - - = - - | G

Right wi - thin your heart

It’s Beginning To Look A Lot Like Christmas – Bing Crosby @ 1951

Writer: Meredith Willson (1951)

Original Key Signature: G (NCC Version)

Time Signature: 6/8 Shuffles beat Tempo: mid bpm

Sequence: V1-V2-C-V3-V4-Inter-C-Outro

Guys: Blue Girls: Red (NCC Christmas 2025 Version) SIMPLIFIED VERSION

Intro: | G - - - | G - - - | G - - - | A D7 G Em7 | A7 - - - | D7 - - -

Verse 1

- | G - C - | G - - - | G - Bm7 - | C - E7

It's be-ginning to look a lot like Christ-mas, E - very-where you go

- | Am7 - D7 - | G - Em -

Take a look in the five-and-ten, glistening once a-gain,

| Am7 - - - | D7 - - D A7 Am D7

With candy canes and sil-ver lanes a-glow

Verse 2

- | G - C - | G - - - | G - Bm7 - | C - E7

It's be-ginning to look a lot like Christ-mas, toys in e - very store

- | Am7 - B7 - | Bm - E7

But the prettiest sight to see, is the holly that will be,

- | Am7 - D7 - | G D G

On your own front door

Chorus

- | G - B7 -

A pair of hop along boots and a roc-ket that shoots

| Em B7 Em -

Is the wish of Barney and Ben

| A7 D B7 A7

Dolls that will talk and will go for a walk

| D7 Am7 D7 -

Is the hope of Janice and Jen

| D7 - - - | D7 - - | D - D7 - | G - D

And Mom and Dad can hard-ly wait for school to start a-gain [To Verse 3]

- | B7 - - - | B7 - -

Ah ha ha ha ha ha ha ha ha ha ha ha ha ha [Sing only 2nd Chorus]

Verse 3

- | G - C - | G - - - | G - Bm7 - | C - E7

It's be-ginning to look a lot like Christ-mas, E - very-where you go

- | Am7 - D7 - | G - Em -

There's a tree in the Grand Ho-tel, one in the park as well

- | Am7 - - - | D7 - -

It's the sturdy kind that doesn't mind the snow

Verse 4

- | G - C - | G - - - | G - Bm7 - | C - E7

It's be-ginning to look a lot like Christ-mas, Soon the bells will start

- | Am7 - Bm - | G - Em

And the thing that will make them ring is the ca-rol that you sing

- | Am7 - D7 - | G - - -

Right wi-thin your heart

Interlude: | G - C - | G - - - | G - Bm - | C - E7 -

| Am7 - Bm - | G - Em - | Am7 - D7 - | G - G -

[Repeat Chorus]

Outro

- | G - C - | G - - - | G - Bm7 - | C - E7

It's be-ginning to look a lot like Christ-mas, Soon the bells will start

- | Am7 - Bm - | G - Em

And the thing that will make them ring is the ca-rol that you sing

- | Am7 - - - | D7 - - - | G - - - | G

Right wi-thin your heart

It’s Beginning To Look A Lot Like Christmas (NCC 2025 Version) – Bing Crosby @ 1951

Writer: Meredith Willson (1951)

Original Key Signature: G (NCC Version) 112 bpm

Time Signature: 6/8 Shuffles beat Tempo: 112 bpm

Sequence: V1-V2-C-V3-V4-Inter-C-Outro

Guys: Blue Girls: Red (NCC Christmas 2025 Version) NON SIMPLIFIED VERSION

Intro: | G - - - | G - - - | G - - - | A D7 G Em7 | A7 - - - | D7 - - -

Verse 1

- | G - C - | G - - - | G - B7 - | C - E7

It's be-ginning to look a lot like Christ-mas, E - very-where you go

- | Am7 - D7 - | G - Em -

Take a look in the five-and-ten, glistening once a-gain,

| D7 - A7 - | Am - D7

With candy canes and sil-ver lanes a-glow

Verse 2

- | G - C - | G - - - | G - B7 - | C - E7

It's be-ginning to look a lot like Christ-mas, toys in e - very store

- | Am7 - B7 - | G - E7

But the prettiest sight to see, is the holly that will be,

- | Am7 - D7 - | G D G

On your own front door

Chorus

- | B7 - - - | Em B7 Em -

A pair of hop along boots and a roc-ket that shoots, Is the wish of Barney and Ben

| A7 D B7 A7 | D A D -

Dolls that will talk and will go for a walk, Is the hope of Janice and Jen

| D7 - A7 - | D7 A7 D7 - | | D - D7 - | G - D

And Mom and Dad can hard-ly wait for school to start a-gain [To Verse 3]

- | D - D7 - | G - | D

Ah ha ha ha ha ha ha ha ha ha ha ha ha ha [Sing only 2nd Chorus]

Verse 3

- | G - C - | G - - - | G - B7 - | C - E7

It's be-ginning to look a lot like Christ-mas, E - very-where you go

- | Am7 - D7 - | G - Em -

There's a tree in the Grand Ho-tel, one in the park as well

- | D - A7 - | Am - D7

It's the sturdy kind that doesn't mind the snow

Verse 4

- | G - C - | G - - - | G - B7 - | C - E7

It's be-ginning to look a lot like Christ-mas, Soon the bells will start

- | Am7 - B7 - | G - E7

And the thing that will make them ring is the ca-rol that you sing

- | Am7 - - - | D7 - - - | G - - - | G

Right wi-thin your heart

Interlude: | G - C - | G - - - | G - Bm - | C - E7 -

| Am7 - Bm - | G - Em - | Am7 - D7 - | G - G -

[Repeat Chorus]

Outro

- | G - C - | G - - - | G - Bm7 - | C - E7

It's be-ginning to look a lot like Christ-mas, Soon the bells will start

- | Am7 - Bm - | G - Em

And the thing that will make them ring is the ca-rol that you sing

- | Am7 - - - | D7 - - - | G - - - | G

Right wi-thin your heart

It’s Beginning To Look A Lot Like Christmas

NCC Christmas 2024, 2025

Writer: Meredith Willson (1951)

Original Key Signature: G (NCC Version)

Time Signature: 6/8 Shuffles beat Tempo: mid bpm

Sequence: V1-V2-C-V3-V4-Inter-C-Outro

Guys: Blue Girls: Red (NCC Christmas 2025 Version)

Verse 1

It's beginning to look a lot like Christmas (guys)

Everywhere you go (gals)

Take a look in the five-and-ten

Glistening once again

With candy canes and silver lanes aglow

Verse 2

It's beginning to look a lot like Christmas

Toys in every store

But the prettiest sight to see

Is the holly that will be

On your own front door

Chorus

A pair of hop along boots and a rocket that shoots

Is the wish of Barney and Ben

Dolls that will talk and will go for a walk

Is the hope of Janice and Jen

And mom and dad can hardly wait for school to start again

Verse 3

It's beginning to look a lot like Christmas

Everywhere you go

Now there's a tree in the Grand Hotel

One in, the park as well

The sturdy kind that doesn't mind the snow

Verse 4

It's beginning to look a lot like Christmás

Soon the bells will start

And the thing that will make them ring

Is the carol that you sing

Right within your heart

Interlude Music

Chorus

A pair of hop along boots and a rocket that shoots

Is the wish of Barney and Ben

Dolls that will talk and will go for a walk

Is the hope of Janice and Jen

And mom and dad can hardly wait for school to start again

Ah, Ha, Ha, Ha, Ha, Ha, Ha, Ha, Ha, Ha, Ha, Ha, Ha, Ha!!

[Repeat Verse 4]

Ket: G (Female Singer)

Praise & Worship Songs Content Page
Christmas Carols Content Page

Download Word Format

Christmas 2025 NCC

01. Carol Of The Bells - The St. Olaf Choir. A Chord. NCC Key: Gm, Tempo: 183 bpm

02. It's The Most Wonderful Time Of The Year (Redeemed Version) – Andy Williams @1963. D Chord. NCC Key: C, Tempo: 101 bpm

03. Angels We Have Heard (Glory Be) - Jordan Smith @ Oct 2020. G Chord. NCC Key: F, Tempo: 128 bpm

04. O Come All Ye Faithful. G Chord NCC Key: E-F, Tempo: 133 bpm

04. O Come All Ye Faithful. E-F Chord, Peter Ng 2016 Caroling Version. V2 difference. NCC Key: E-F, Tempo: 133 bpm

05. Do You Hear What I Hear. D Chord. NCC Key: F, Tempo: 102 bpm

05. Do You Hear What I Hear. E Chord. NCC Key: F, Tempo: 102 bpm

06. The First Noel - D Chord. NCC Key: D, Tempo: 88 bpm

07. It’s Beginning To Look A Lot Like Christmas – Bing Crosby @ 1951. E Chord. NCC Key: G, Tempo: 112 bpm

07. It’s Beginning To Look A Lot Like Christmas – Bing Crosby @ 1951. G Chord. NCC Key: G, Tempo: 112 bpm

08. Deck the Halls. D Chord, NCC Key: D, Tempo: 149 bpm

08. Deck the Halls. G Chord, NCC Key: G, Tempo: 149 bpm

09. Go Tell It On The Mountain (NCC Christmas 2018 Version). E Chord. NCC Key: Eb, Tempo: 134 bpm

10. Jingle Bells. C Chord. NCC Key: C, Tempo: 107 bpm

10. Jingle Bells. D Chord. NCC Key: C, Tempo: 107 bpm

10. Jingle Bells. G Chord. NCC Key: C, Tempo: 107 bpm

11. Feliz Navidad. G Chord. NCC Key: A, Tempo: 70 or 140 bpm

12. We Are The Reason - Avalon. C-G-Ab-D Chord. NCC Key: C-G-Ab-D, Tempo: 64 bpm

13, That's My King - CeCe Winans @ Feb 2024. G Chord. NCC Key: Ab, Tempo: 95 bpm

The Power Of Praise & Worship and The Real Estate In Singapore

Thursday, 18 December 2025

Christmas 2025 CWW Community

Embed Documents, Audio to blogger post

Embedding PDFs or Audio (Google Drive)

✅ Example: PDF

✅ Example: Audio

Quick memory trick

Step-by-step

Step-by-step

What it means

Common examples

In simple terms

1. Is alt="My photo" required for images?

2. What does alt stand for?

3. Why alt is important

✅ If the image fails to load

✅ For screen readers (accessibility)

✅ For SEO (search engines)

4. When to use alt and how

Simple summary

Wednesday, 17 December 2025

Industrial and Commercial Property Loan

1. Singapore PR opening a company and buying B1 industrial property

2. Using overseas financial statements to borrow in Singapore

3. Practical bank considerations

4. Alternative ways to strengthen loan application

5. Key points to remember

✅ Summary

1. B1 Industrial (Light Industrial Use)

Allowed activities:

Characteristics:

Pros for your business:

Cons:

2. B2 Industrial (General/Heavy Industrial Use)

Allowed activities:

Characteristics:

Pros for your business:

Cons:

3. Other considerations

✅ Recommendation

✅ Summary Recommendation

🧾 1. TDSR is a banking/credit framework set by MAS

📌 Commercial/industrial loans are generally not subject to TDSR

🧑‍💼 2. So when do directors’ personal finances matter?

✔ If a director personally guarantees the loan:

📌 3. Why this matters practically

🔍 Key Distinctions

🧠 In simple terms

🧩 Practical tips before applying

Friday, 28 November 2025

老鼠爱大米 (Lao Shu Ai Da Mi) - 郭美美 @ Jan 2006. C-C#-D Chord. (Lyrics and Chords)

Thursday, 20 November 2025

It’s Beginning To Look A Lot Like Christmas – Bing Crosby @ 1951. G Chord. (Lyrics and Chords)

1. Is `alt="My photo"` required for images?

2. What does `alt` stand for?

3. Why `alt` is important

4. When to use `alt` and how