MaCe

10+k

good tip here.

I just told val yesterday. from now on, we should just replace "hello how are you? " with "what forest you?"

email her lor. patrick.....sometimes beri the blurred/occupied/busy.

long time ago i did mention this - wonder if you remember. I was Q-ing in hdb to hand in app forms yr 2006. Those forms that need to state income..etc. I kaypoh and peek onto the form of a lady who is standing infront of me. $300 over K house - hubby income $1800+, wife income $1600+. In 2006 unlike now, there are so much sub-200k and even sub-100k houses offered by hdb.

optional, unnecessary.

hmm....me still pondering over that forest question...... what if it's a forest in autumn? winter? or a dying forest(oasis) near a desert? and what if that MIST is not a MIST but becos someone called the rentokil to do FOGGING?

talk to plants? then i go talk to her vases

gotcha...

If you are in your early 20s and buying your first hdb flat from hdb. When the hdb officer says - you got to top up cash every mth for the instalments. What they actually mean - is that you cant afford this $$$ house, go buy a smaller house. Cash is KING - never never throw your cash into cpf or into the mthly payment of a hdb flat. Use your cpf whenever/whatever you could - cos all those $$$ you see in your cpf statement can never be turn into cash UNLESS you give up sg citizenship or unless you become VERY VERY successful in your career making 5 or 6 figures a mth and surpass that minimum sum in cpf. A recent article in the news quoted the hdb saying - about 120 flats are being reposessed every mth. If you have richie rich parents, nope, you shouldnt be bothered about the above.

some of your chinese potteries are actually NO GOOD for fengshui. better donate to me

best part of it - one of them just got her citizenship in the year 2008.

wahsay......nice furnitures....

sg gov "made use" of them and they "made use" of sg. even.

ya. alexandra village opp queensway/ikea, the famous electrical shop HONG LIANG.

http://www.autokey.sg/ call them, if they cannot....siao liao.

no point....more than half of this 60 are dead/sleeping members.

go and pray pray when the time comes. http://www.shtemple.org.sg/cheng%20huang%20xin%20yang.htm

www.ccm.sg both are good - clipsal is a little more exp than legrand. both of them are OLDsignboards 老招牌 in the industry. http://en.wikipedia.org/wiki/Veblen_good not all will agree on the above.

Nowadays things are very different from our parents'/grandparents' time. Example = furnitures/electrical appliances In the past stuffs are built to last but now ; 1) 99% electrical stuffs are built to last till their length of warranty. 2) 99% furnitures are made with cheapo material - selling point/price is more on their designs. so for the remaining 1% - it's so difficult to find. ________________________________________________ For a typical home, one might need to spend less than $2k for cheapo/ikea furnitures but it's going to last them max 5-7yrs. On the other hand, rosewood/teak furnitures might cost 2 times more but when your grandson serve tea to you on his wedding day - you will be drinking it while sitting on your rosewood/teak sofa. Another school of thought is that - one gets to change NEW furnitures every 5-7yrs, how nice...instead of looking at old old furnitures. Nothing wrong with that. Over a period of 30-40yrs - how much you would have spent/save? when one reaches 55-60 yrs old - lets be frank - any type of furniture is fine. Old folks are never bothered by furnitures cos it's the medical bills thats killing. It all boils down to MONEY - are you very sure you have enough $$$ by then? In sg, i dont think anyone is dead sure about that. Cos when you are 40 yrs old and jobless, what are the chances that you can find a job? it's scary but it's a fact. ________________________ Buy stuffs that lasts....

will go over to see look see look when free. if hidden cost is only GST...thats nothing. it's always those stuffs that we did not expect to be of separate cost. example = painting - what simi sealer/extra colour/grade must pay extra..etc their reputation in the industry don need my gurantee lor... bo lui ... so bobian.... must KENG here KENG there...

if you cant do volunteer work at oldfolks' home...etc.

me beri SMALL...where got big?? always recommend HOBEE especially for first timers - cos they dont have hidden cost.

it will be the same as petrol companies. all the big bosses will have coffee and agree upon a FIXED % ala cartel.

hopefully your ID wont come up with the usual CON-practice of this one/that one not included MUST pay separately.