Phantom

i didn't say that there are.. but then.. lol..

its too much lah.. ether they will make alot of money or they will not survive. lol.

don't worry, i get Mrs P to come in and post. lol.. then you'll feel better... lol.. Its called reverse auction. the paying to bid is quite ridiculous.

For discos, i believe they use strobe lights.. then you need a "smoke" machine .. lol.. and while you are at it, bar counter.. cashier.. bouncer.. lol..

Maybe gone through very bad times before so I'm very afraid of not having money with me. Its like if I have a loan of 10k but have 15k cash, I won't pay off the loan one.. lol... I'll leverage until i save up more before paying off.. lol..

I handle corporate investments/retail clients (higher networth)

Sounds wierd to me. but really depends on you all. Everyone has different requirements.

Your idea is the same as compassvale. Which is why i take cabs. IThe cars i like aren't really that cheap. A4 is selling for 139k for the basic version and 149k for the souped up version, around the same as an EVO what.. If its a beemer only a 330 will bring out the V6 capacity as compassvale as mentioned, but a 320 is much more affordable for the mass, the depreciation is also much better than Audi cars.. With regards to getting what you like, everyone wants things that are better but at what cost? If I get an A4 and end up paying close to 2.5k for petrol + installments + ERP + Season Parking + road tax + insurance.. then end up only can save 1k a month.. VS.. I buy a much cheaper car total spend around 1k.. and save 3k a month. within five years can downpay another property or whatever. To me financial planning is about being able to do things i want yet not worrying about the cost. If i make such a decision, at least I will have money within the next five years to buy another property, go for holidays.. + buy a nice higher end watch to pamper myself.. etc.. and still have savings to boot. Ultimately I have been giving much thought on it and no matter how much I like the premium vehicles, but the thought of pampering myself today and 3 years later have savings of 58k (7%p.a.) vs being prudent in my spending and having 115k in savings in 3 years time. And at the age of 40 having 360k vs 720k I still can enjoy life but enjoy later lah. lol.. What i feel is if enjoy too much now, later years how to fight to make the money.. got kids.. got more commitments.. and old already might not have the heart to do it. lol.. That is but my humble opinion of things.

EVO is around the price of an A4 or 320 .. so the comparison is the same mah. If can afford EVO, can well afford the Audi or Beemer. See. can still change car.. lol.. For me buy one car is like need to think Think and THINK. lol.. I like the SLk but too pricey for me. later not enough savings.. wanted to get the 3 series / A4.. but still feel painful.. in the end.. maybe won't buy.. or prolly get a cheap cheap type of car.. kekeke.. ha ha ha ha ha.. I used to be in IT.. first job.. for less than a year.. then jump over to do insurance.. then after that banking lor..

eh you 26 nia? lol.. paiseh.. yah 27... on the way to 28.. ai yah.. can one lah.. its the industry / nature of the job / and endurance

Tell me when you used to make more.. lol.. Lifestyle need to make alot of changes leh. ha ha ha..

Same age as Xinyi I think.. my pay also never hit five figures.. if you talking about with commision for that one month that it was 22years old. first time. then 24years old to 26years old still have..

No use lah.. you don't want to be high high BEFORE.. you want to be HIGH HIGH NOW. lol.. your boy also got earn good money mah.. if not how to enjoy EVO.. lol.. must be more than me.. lol... Last job to this job.. drop to around 4k only..

Fifi.. don't get cheated by Air.. 50 treat won't miss much one.. lol..

don have ten lah. on the way to ten maybe..

LAST time.. LAST time! lol now probably average joe pay.. so just got to work hard..

Sounds good. I don't have bonus.

i pay cut 3-4k leh..

Its enuff lah.. Excess is Kat pay mah.

Now thats difficult. Who gets the free car? lol.. Moderator? kekekeke..

so its confirmed at CITYHALL 10th July 2008 Meet at 6.30pm ok? xinyi and kat can meet first.

Please confirm. TIME AND VENUE...

will have cracks one.. its not easy to maintain. true.

aiyah doesn't matter. whatever works can liao.

depensd on your taste also.. lol.. my friend did another way.. cement screeded the walls.. lol..