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

Embed Documents, Audio to blogger post

How to embed audio into blogger post?

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

1. Go to Google Drive
2. Upload your audio file (MP3, M4A, WAV) to Google Drive
3. Right-click the file → Share → Share
4. Change access to “Anyone with the link → drop down arrow, change to Viewer”
5. 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

<iframe height="60" src="https://drive.google.com/file/d/1X_ZBs31vhazvf8lKVEG_wflmpNGDre0x/preview" width="100%"></iframe>

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

1. Go to Google Drive
2. Upload your audio file (MP3, M4A, WAV) to Google Drive
3. Right-click the file → Share → Share
4. Change access to “Anyone with the link → drop down arrow, change to Viewer”
5. 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

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

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 chatGPT - TYPE get tge embedded code for me

Or

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="600px"></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="600px"></iframe>

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:

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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)

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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.

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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

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4. Alternative ways to strengthen loan application

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

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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

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✅ 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

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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:

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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)

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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

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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

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✅ 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).

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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

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✅ 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.

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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:

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🧾 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.

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🧑‍💼 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.

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📌 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.

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🔍 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.

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🧠 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.

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🧩 Practical tips before applying

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

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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!