Carbonated drinks which are high in sugar and have no nutrients. They have 'empty calories', said Ms Teo Kiok Seng, a nutritionist at Nutrition Network Services.

'The sugar in these drinks can lead to obesity, which increases your risk of hypertension, diabetes, heart disease and stroke,' she said.

A nutritional study by the Harvard School of Public Health found that a can of carbonated drink a day can cause one to pile on 7kg in a year.

Sausages can increase the risk of colorectal cancer, a recent European study found, Ms Teo added.

The culprits are the carcinogenic N-nitroso compounds, which are formed when nitrite preservatives are added to processed meat, she said.

Ms Jaclyn Reutens, a dietitian at Aptima Nutrition & Sports Consultants, added that sausages are usually made with fatty meat.

Chemicals and additives are also added so a person's liver has to do more work to detoxify them. 'As we age, our organs do not work as efficiently so some people may get into trouble,' said Ms Reutens.

Coffee has caffeine. What most people may not know is that caffeine makes stress hormones shoot up and stay at an abnormally high level for hours after consumption.

'One of the biggest contributors to premature ageing is the powerful stress hormone called cortisol,' said Ms Teo. 'High levels of cortisol wear down the muscles, leading to muscle wasting.' Excessive caffeine is also dehydrating, said Ms Reutens.

Potato Chips and Fries are deep fried at high temperatures, giving rise to the formation of trans-fat.

Diets high in trans-fat are linked to an increased risk of coronary heart disease, said Ms Teo. 'However, if palm oil is used, no trans-fat will be produced,' she added.

Sugary Pastries contain a lot of sugar, which can lead to obesity. What is worse is that pastries are often made with hydrogenated oils, which contain trans-fat.

Hydrogenated oils are made by adding hydrogen to liquid oils to turn them into solids for easier storage. However, this chemical process produces trans-fat. An example would be margarine.

Trans-fat increases the risk of heart disease more than saturated fat does, said Ms Teo, as it lowers good cholesterol and increases bad cholesterol in the bloodstream.

In addition, the combination of sugar and trans-fat is bad news for our liver and pancreas, said
Ms Reutens. 'It's dangerous to overwork our organs as it means we are more exposed to free radicals.'

Free radicals are unstable particles caused by chemical reactions in the body. Antioxidants are needed to fight them, she added. 'If our intake of anti-ageing foods is insufficient to combat free radicals, we age faster and have a higher risk of diseases.'

Red Meat has protein, which is essential for tissue repair, but too much animal protein may cause calcium loss from bones. This increases the risk of osteoporosis, said Ms Teo.

Studies have shown that a high protein intake in middle-aged adults is linked to inflammatory polyarthritis, where inflammation occurs in more than one joint.

White Rice and White Bread have very little fibre, making them 'high glycemic index' foods.

'Such foods are digested and absorbed into the bloodstream very quickly, causing a sudden spike in blood sugar level,' said Ms Teo.

This can lead to cell changes that accelerate ageing and increase the risk of chronic diseases, she added. These include Type 2 diabetes, gall bladder and heart diseases, Alzheimer's disease and certain types of cancers.

Other high glycemic index foods include mashed potatoes, processed grains and sugary cereals.

Keeping youthful the natural way is not all that difficult - you just have to eat the right foods. Anti-ageing foods like berries and fish contain powerful ingredients that can help keep you in the pink of health from inside out.

Foods that Keep Us Young Include:

Green Tea. It boasts catechins - potent antioxidants that have been shown to prevent cancer, said Ms Jaclyn Reutens, a dietitian at Aptima Nutrition & Sports Consultants.

In addition, Ms Teo Kiok Seng, a nutritionist with Nutrition Network Services, said that a recent report in the European Journal Of Neuroscience suggested that regular consumption of green tea may reduce the risk of age-related degenerative brain disorders, such as Alzheimer's disease.

However, not all forms of green tea carry the same health benefits.

'Green tea packaged in tea bags have gone through numerous processes that may have destroyed its goodness,' said Ms Reutens.

It is best to drink loose leaf green tea, she said.

Tomatoes contain lycopene, which helps to reduce wrinkles and fine lines, said Ms Reutens. This is because lycopene hinders the skin's ageing process.

It does this by preventing damage to the DNA in mitochondria, found in cells and which are crucial to cellular growth.

Tomatoes also contain vitamin C, which acts as an antioxidant, helping to strengthen collagen fibres, said Ms Magdalin Cheong, chief dietitian and senior manager of Dietetic and Food Services at Changi General Hospital.

Collagen is a protein essential to healthy skin.

Nuts and Seeds are great sources of vitamin E and omega-6 fatty acids, said Ms Reutens.

'These two compounds work hand in hand to keep skin elastic and to reduce the signs of ageing,' she said.

That is because vitamin E is an antioxidant, said Ms Cheong.

Antioxidants mop up free radicals - the main cause of skin ageing.

A study published in the American Journal Of Clinical Nutrition in 2005 found that eating almonds together with heart-friendly foods like soya products can significantly reduce cholesterol levels, said Ms Teo.

Yogurt contains calcium, which helps maintain strong bones, and probiotics which prevent bowel diseases.

'As we age, our bones lose calcium,' said Ms Reutens. 'Calcium is therefore needed in our diet to prevent osteoporosis.'

Osteoporosis is a condition where bones become weak and break easily.

On average, a 150g portion of yogurt contains 220mg of calcium. This amount makes up 30 per cent of our daily recommended intake of 800mg, said Ms Reutens.

Probiotics are bacteria that help improve the balance of good and bad bacteria in the digestive system.

'As we age, this balance needs more effort to be restored. Eating yogurt gives it a boost,' she said.

People who are lactose intolerant can eat yogurt too, as the lactose would have already been broken down by the bacteria, said Ms Teo.

Salmon and other oily fish contain heart-friendly omega-3 fatty acids, said Ms Cheong.
Ms Reutens recommends eating these at least twice a week.

'As you age, your arteries may get increasingly clogged, resulting in heart disease,' she said.
'Omega-3 fatty acids reduce the amount of fats in the bloodstream, hence preventing excessive blood clotting.'

Berries come in red, pink, blue, purple and other assorted colours. The pigments determine the types of antioxidants found in them, said Ms Reutens.

A recent antioxidant analysis by the United States Department of Agriculture showed that blueberries, blackberries, cranberries, strawberries and raspberries top the list of 20 foods with the highest levels of antioxidants, said Ms Teo.

In general, the antioxidants in berries help to reduce the likelihood of eye-related diseases, such as cataracts and age-related macular degeneration, said Ms Reutens.

Because different types of berries carry different combinations of antioxidants, we should not limit our diet to one or two kinds.

'Try to eat a wide variety,' said Ms Reutens. 'Mix them with cereal or enjoy them as a snack or dessert.'

Olive Oil is rich in monounsaturated fats, which promote a healthy cholesterol level.
It is also good for the heart, thanks to its anti-inflammatory effects that prevent heart diseases. For instance, it strengthens blood vessel walls, thus lowering the risk of internal bleeding.
However, too much olive oil is not recommended due to its caloric content.

Formulae for Calculating Sales Proceeds

Income Guidelines for Credit Assessment

Employed Persons

Proof of income (excluding overtime and shift allowances and transport claims/reimbursements/expenses) For applicants:- - Latest 3 months payslips OR - Recent letter from employer certifying job designation, commencement date and income for the last 3 months. AND - Past 15 months' CPF contribution history NOTE: Bonuses will not form part of the assessment and will need to be excluded.

Commission-Based Persons e.g. Sales personnel, insurance agent

Proof of income (excluding overtime and shift allowances and transport claims/reimbursements/expenses) For applicants:- - Latest 12 months commission statements/payslips OR - Recent letter from employer certifying job designation, commencement date and commissions/salaries for the last 12 months. AND - Past 15 months' CPF contribution history NOTE: Monthly fixed income components (if any) may be included as part of the assessment.

Income / Allowance NOT considered for credit assessment
e.g.
- Alimony allowance (divorced cases)
- Bonuses
- Dividend
- Director fees
- Interest from deposit/savings account
- National Service
- Overtime
- Rental income

Amount and Disbursement of CPF Housing Grant

Amount of CPF Housing Grant

For Purchase of Resale Flats Family Grant
$30,000

# For Purchase of Resale Flats near Parents/Married Child Family Grant
$40,000

# To qualify, you have to meet one of these proximity conditions:
(i) You are buying a flat in the same town as your parents'/married child's flat.
(ii) You are buying a flat within 2 km of your parents'/married child's flat, if they are in different towns.
(iii) You are buying a flat in the same town of a private residential property that is owned and occupied by your parents/married child.
(iv) You are buying a flat within 2 km of a private residential property that is owned and occupied by your parents/married child.
(v) You are buying a flat with your parents/married child included as the joint applicants or permitted occupiers.


Disbursement of Grant

The CPF Housing Grant is given only to a Singapore Citizen who is not an undischarged bankrupt.

Application for CPF Housing Grant
* Joint Applicants (husband & wife) who are both Singapore Citizens

Disbursement of Grant Amount
* Half of the full grant each

The Half-Housing Grant is only disbursed to the applicant (1st-timer) and not to the spouse who has previously enjoyed a housing subsidy.

Once the applicant has bought a flat with the CPF Housing Grant given to him, he is considered to have enjoyed a housing subsidy and is not allowed to return the grant to the Government on his own accord.

Eligibility Conditions of CPF Housing Grant for Family

Singapore citizen households can qualify for the CPF housing grant for family if they are:

* Married couples where both are Singapore Citizens; or a Singapore Citizen who marries a Singapore Permanent Resident; or

Fiance-fiancee couples about to get married and are able to produce their marriage certificate, latest by the date of resale completion; or

Widowed or divorced persons with children under their legal custody

* 21 years old and above

* First-timer households: one where all members of the family have not enjoyed a housing subsidy before

A 1st-timer citizen (with a spouse who is a 2nd-timer, ie. has enjoyed a housing subsidy), can apply for half of the grant amount (Half-Housing Grant), if the family meets the eligibility conditions of the CPF Housing Grant Scheme for Family.

* Having a gross monthly household income of $8,000 and below. For extended families, the income ceiling is $12,000. If the average monthly household income over the last 2 years is $4,000 and below, they can apply for Additional CPF Housing Grant (AHG) as well, ie. on top of Family Grant.

* Not owning any private residential property (including HUDC flat and/or Executive Condominium), house, building or land (whether local or overseas) or have disposed of such properties within 30 months before the resale flat application.

* Not buying a 1-room flat or a resale flat (of any flat type) that has been announced for redevelopment under the Selective Enbloc Redevelopment Scheme (SERS). Pls click here for the list of SERS sites

* Not undischarged bankrupt

Why HDB loan is Better than BANK loan?

1) To qualify for a HDB loan, your household income must be less than $8k

2) HDB interest rates are pegged at 0.1% above CPF OA’s interest rates (currently 2.6% as of March 2009).