For most Singaporeans, buying a home is probably the biggest fi nancial commitment we will ever make. This MoneySENSE guide takes you through areas that you should consider when buying a home, and includes a worksheet to help you assess affordability before buying a home.

Before buying a home, determine your budget to ascertain the type of property you can afford. Your budget will be infl uenced by your available resources to fund the upfront costs as well as your ability to pay ongoing mortgage instalments and expenses.

Available Resources
Your available resources may include:

• Your cash savings,
• Your CPF Ordinary Account savings, and
• Sales proceeds (net of outstanding loan) from your current home if you are selling it to help pay for the new home.

Upfront Costs
The upfront costs of buying a home include:

• The down payment which is typically 10% of the property’s value,

Battery Packs

The VG_D70 can operate with one or two battery packs installed. It doesn’t matter if one of the battery packs is not charged. The grip will automatically use the battery with the greater charge.

If two battery packs are desired, simply drop one into the bottom of the grip, so that the battery pack’s metal contacts will touch the exposed springs in the grip. If you install this battery pack incorrectly, nothing will be damaged, but this battery won’t be connected.

If you use one or two packs, one must be placed upright on the grip, and the tethered battery cap dropped over the end of the battery pack. There are contacts in the cap which mate with the battery pack, and the orientation becomes obvious when you handle it.

Chapter 1. Introduction

This chapter provides some background information about Kubuntu, obtaining Kubuntu and finding help with Kubuntu.

1. About Kubuntu
Thank you for your interest in Kubuntu 6.10 – the Edgy Eft release.

Kubuntu is an entirely open source operating system built around the Linux kernel.
The Kubuntu community is built around the ideals enshrined in the Ubuntu Philosophy [http://www.ubuntu.com/ubuntu/philosophy]: that software should be available free of charge, that software tools should be usable by people in their local language and despite any disabilities, and that people should have the freedom to customize and alter their software in whatever way they see fit. For those reasons:

• Kubuntu will always be free of charge, and there is no extra fee for the “enterprise edition,” we make our very best work available to everyone on the same Free terms.

About fring

fringTM is a mobile internet service & community that enables you to access & interact with your social networks on-the-go, including make free calls, live chat and seeing your contacts online presence with all your fring, Skype®, MSN® Messenger, Google TalkTM, ICQ, SIP, Twitter, Yahoo!TM and AIM®* friends using your handsets internet connection rather than costly cellular airtime minutes. Once you’ve installed fring, fring’s main screen displays your contacts and their presence status (e.g. online, offline). This list shows the names of your fringster-friends, your Skype/Google-Talk/MSN/ICQ/Yahoo/AIM contacts. From the main Buddy list you can navigate between your contacts, find their presence status and initiate a communication session with them. You may initiate a voice call, start a chat session and move between all open sessions using the ‘Goto’ menu. You can also make SkypeOut/SIP calls directly from your fring Buddy list. To sum it up, you’ll not only make your iPhone more useful, you can also save money. This guide will help you get started.

Before You Turn On Your Phone

1. Remove the back cover Lift the top of the back cover. There’s a narrow opening where you can use your finger to remove the back cover.
2. Remove the battery Lift the battery from the small opening (encircled in the drawing.)
3. Insert the SIM card 1.) Slide the SIM card holder to the right to unlock it, and then flip it open. 2.) Insert the SIM card with its gold contacts facing down and its cut-off corner facing out the card slot. Slide the SIM card completely into the slot.
4. Lock the SIM card holder Close the SIM card holder and then slide the SIM card holder to the left to lock it.
5. Put the battery back in 1.) Align the battery’s exposed copper contacts with the battery connectors inside the battery compartment. 2.) Insert the contact side of the battery first then gently push the battery into place.

Speaker ready room and practice sessions. Student speakers should plan to rehearse and test equipment prior to the formal presentation. The location and schedule for rehearsals will be announced at the National symposium. PC-based computers, with a CD-Rom and floppy drive, will be in each session room configured with Microsoft 2000 Powerpoint and Adobe Acrobat. The use of Macintosh computers or use of other software requires students to bring their own equipment.

Steps to ensure your success

1. When building your presentation, make sure you include any external files utilized in the same folder as your presentation. When creating your media for transportation copy the entire folder to the disk. To ensure the success of your presentation, remember to make a backup copy of your files and transport that media in a separate piece of luggage. Please also be reminded to bring back-up overheads in the event of equipment or software problems. If you have inserted movies into your Powerpoint presentation, we will require that you check your presentation in the Speaker Ready Room.