Phantom

Sorry hor Me not like u.. I was saying you gals talk S.H.I.T... naughty fifi

actually talking abt wine.. i wanna appear liao.. but still busy with work leh.. i not like you gals.. can talk **** and relak

wah.. need 1 and half hour... half clearing.. half sleeping izzit?

hahahahahah

MY harddisk limited... everyday must clear. lol.

never take bonus first ah??

thats the trick.

Expensive is a personal evaluation. Whats expensive to you might be cheap if you are looking long term. Then again are you comparing 05 prices? Its alot to ponder...

what you think of it.. should be my views.. you know i and you same tastes mah.. lol.. overall much better. but still areas to improve.. sure got one lah.. 1 type of rice feeds 100 different type of ppl.. lol.. 2 dollar ang pao lah.. all sorts of funny things.. ok i got to go off .. work calls.. see you all tonite or tomorrow.

generous pao 100. ngiao ... pao voucher. expiring type some more..

ha ha ha.. come on.. kat one table is 1388 one..

Google lah.. lol... its considered A-Line. got many other cuts like.. mermaid cut lah.. (body huggin type) etc.. me also not wedding planner. kekekekeke.. but i just wanna point out.. to do MTM because you want a new gown is the wrong mentality imho.

One of the rationale why loans under HDB are not applicable is because the government feels that if you have the earning capability of more than 8k a month, then you also should be able to set aside more cash for the future cash payment for the house. Its like : if you make less than 8k a month -> 1st priority is housing 2nd priority retirement if you make more than 8k a month / take private loan -> 1st priority is retirement 2nd priority housing anyone can to expand on this?

ha ha ha.. durian chendol.. i like chendol alot though.. yeah.. everyone wants more money. but some need it more mah.. wahahahaha... if my boss give me ang pao got 200 bucks i must hide somewhere laugh liao..

... Make me envy.. i think need to tell my boss I REALLY need more money.

wah seh.. then u better get more rest lor.. how come got such thing one.. did the first doc prescribe wrong medication? yeah.. Salsa..

plantom? sounds like plankton.. hmmm.. suddenly i've been banished to the lowest echelon of the food chain.. lol.. For ladies who are slightly on the plus side and have a pretty full bust, can consider a Princess Cut for the wedding gown, it helps to accentuate the bust area and the bustier and cutting actually makes the waist look smaller. check out with your BS coordinator for more details. For "bye bye flabby" arms.. avoid having anything to cover the the shoulders and arms.. the more you cover.. the more ppl notice.. cheers

lol.. after chinese 30th. go around 2am to chinatown.. all cheap.. good anot i dunno. heh heh. Like oil prices, I expect Bah Kwa to hit $50 bucks. lol

For discussion, it seems that we might also see a pullback in prices though, it still remains to be seen how many ppl who have bought property actually have the capability to hold the property as we will see TOPs starting end of the year onwards. If a substantial number of property owners do not have the capacity to pay for their houses and start selling, we could see some pullback in the market. It really depends on many factors but I'm not a very keen person on investing via property, unless I have an extremely liquid position and have loads of cash to spare. 1) Property Tax 2) Income Tax on Rental Income 3) Legal Fees 4) Agent Fees 5) If taking a loan, redemption fee when selling. 6) Interest charged on loan.. To me investing in properties is akin to taking a bet, rather big bet..

Although mortgage issues have plagued the states, uk and other countries, residential properties in singapore seem pretty well shielded as reflected in the transacted prices and even newly launched HDBs. If anything, transaction volumes have decreased dramatically, pulling buyers out of the market due to fear in the equity markets. It remains to be seen whether the level of support for property prices (in my humble opinion today's prices reflect fair prices in 2-5 years time) will be able to sustain in the longer term. With the F1 and IR just over Singapore's horizon, do expect property prices to continue to climb, albeit at a much slower pace.

because boh zho gang... photos come back not up to ur expectation mah.. heh heh.. 3k worth of photos.. dun want.. later my wife ask me why take other ppls photograph.. u want to xian hai me is it? ..

Now I blur liao.. lol... yeah.. must get hold of xinyi's money first leh.. heh heh heh.. see ya around..

could be an uphill task but worth trying.. then again if you meet you-know-who downstairs.. then really sway sia.. upstairs cannot avoid.. downstairs still cannot avoid.. you-know-who.. sounds like harry potter Nope. And don't intend to find out. I'll dread meeting up with the "clients"... mai lah.. this kinda biz .. mai zho la.. i thought xinyi say assassin go for op??? Honesty is good mah... In life alot of ppl very tua pao.. i think being a tua pao xian and an honest chap.. i rather be the latter.. shhh.. not so loud.. i spilt with u the money.

lol... like that u put cash with me. every 100 SGD u give me I give u paper money worth 1m good deal... lol but like deferred plan.. until you go off liao then i start payment.