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  1. Can Chilli Crab, etc be considered our National Dish??..... I feel its not unique enough, a National Dish should 'combine' uniqueness + food culture(s) of the people...... anyone has ideas to share how to create it?? In fact, we should have a unique national dress, actually two: one for everyday, one for special/formal ocassion....
  2. Kimi Raikkonen set for Formula 1 return after signing a two-year deal with Lotus Renault GP Lotus Renault GP have confirmed that former world champion Kimi Raikkonen will return to the Formula One grid next season after signing a two-year deal with the team. Back in action: Kimi Raikkonen won the F1 world title with Ferrari in 2007 Photo: AP By Emily Benammar 8:15AM GMT 29 Nov 2011 The Finnish driver, who walked away from Formula One at the end of the 2009 season in order to compete in the World Rally Championship for two years, lifted the F1 world title in 2007 while driving with Ferrari. Lotus Renault GP looked set to announce another driver after Robert Kubica last week said he was unlikely to return next season as he continues with his recovery from a near fatal rallying accident in February. Thrilled to be back on the scene, Raikkonen said: "I'm delighted to be coming back to Formula 1 after a two-year break, and I'm grateful to Lotus Renault GP for offering me this opportunity "My time in the World Rally Championship has been a useful stage in my career as a driver, but I can't deny the fact that my hunger for F1 has recently become overwhelming. "It was an easy choice to return with Lotus Renault GP as I have been impressed by the scope of the team's ambition. Now I'm looking forward to playing an important role in pushing the team to the very front of the grid." http://www.telegraph.co.uk/sport/motorspor...Renault-GP.html
  3. stand aside guys ... and be in awe !! I was waiting for a friend at katong area, and was walking pass the bus stop near the red brick house. as i was walking very slowly pass this group of 4 women abt mid 20s, i overheard them talking about - men's underwear !! btw, i had too much time so i walked slowly .... not that i wanted to eavesdrop. one was naming some of the expensive brands and the other one commented that it was all being worn inside !!! well, that was all i got from that 4 to 5 secs that i walked pass.
  4. What about our neighbourhood's 4D/Toto shops? They do not even have a $10 or $1 entry deterrence. What are they going to do about these outlets mushrooming everywhere, with thousands of housewives, retirees and average Joes all flocking to them without fail on daily basis? How much $$$ are these folks pumping in on a regularly basis? Many of them do not know they have contributed generously to the building of the Esplanade. This MG merely TCSS only. See if he and his ministry can tackle this more pressing menace. From CNA: http://www.channelnewsasia.com/stories/sin...1167611/1/.html Tighter advertising & promotions guidelines for casinos By Imelda Saad | Posted: 25 November 2011 1800 hrs
  5. STOMPer Kris is surprised at the discontentment expressed by a young doctor, who complained about his pay on Facebook. The STOMPer says: "I chanced upon this Facebook post by a young doctor and I am surprised by how discontented he is. "This was followed by a flurry of posts from his medical colleagues that empathized with him, and also by an equal number of non-medical friends who expressed disappointment and disapproval at his comment. "Should the relevant authorities be reviewing this doctor's work-life balance and his gripes? "It is certainly unhealthy to see young doctors disgruntled so early on in their careers as Singapore's ageing population will require their total dedication and care in future."
  6. Six ways to predict your brokerage is about to crash Reuters Posted at 11/09/2011 7:59 AM | Updated as of 11/09/2011 1:09 PM http://www.abs-cbnnews.com/business/11/08/...age-about-crash NEW YORK - The blow up of now bankrupt-MF Global proves that vetting a financial firm isn't ever simple. Companies use accounting tricks and other machinations to hide problems until the last possible moment. While no one expects individual investors to become forensic accountants, there are usually warning signs before a disaster strikes -- you just have to know where to look. Here are some things you can do to protect yourself: 1. SET UP A GOOGLE ALERT TO TRACK YOUR BROKERAGE FIRM If you just do a general search, you'll be inundated with emails. But you can curate the feed with a few terms (SEC, enforcement action, lawsuit) to keep the search focused and help you identify red flags. 2. DIG DEEPER ONLINE BrokerCheck is one of the best places to do some sleuthing. While most people tap this free online database (see http://brokercheck.finra.org) for the scoop on current and former FINRA-registered individual brokers, you can also get detailed information on 4,501 FINRA-registered firms. (The Financial Industry Regulatory Authority is a self-regulatory group for securities firms.) You may not find the right information on your first try - a search for Merrill Lynch, for example, yields 11 different iterations of Merrill-related businesses. But once you've identified the right financial institution, click "Get a Detailed Report," to take a deep dive (up to thousands of pages) into a firm's disciplinary actions, criminal charges and other important information, including details about arbitration claims filed by investors. Another website with essential information is the Securities & Exchange Commission's website (http://sec.gov). Here you can access information either on individual advisers or whole firms. You can quickly see if individuals have ever been fined or suspended, pleaded guilty or no-contest to a crime, or have violated any investment-related statutes or regulations. A firm penalized for minor violations, such as a bookkeeping error, may still be trustworthy, but beware of any institution with a string of penalties in a short time period. 3. SEEK PROFESSIONAL HELP Some private services now also offer free information about financial advisers. For example, BrightScope, a financial information company, introduced a free service in April that lets investors search for advisers by assets under management, geographic area and other criteria. The company, based in San Diego, gathers information from BrokerCheck and the SEC database, including disciplinary histories, but allows investors to search in different ways. Investors can also use the service to compare advisers. (See: http://www.brightscope.com/financial-planning/find/advisor/) You can also check out the regulatory financial examinations from CME Group. The derivatives marketplace performs these assessments to effectively monitor a firm's financial records and determine if accounts are appropriately divided up, which in industry speak is known as segregated. The CME also monitors any corrective actions. If there are any signs of trouble, CME may uncover these first, as CME rules require clearing firms to calculate their customer segregated position daily - and notify both the regulator, the Commodities Futures Trading Commission (CFTC), and CME in the event of a problem. 4. LOOK AT FINANCIAL STATEMENTS For many people, the appeal of reading a financial statement ranks right up there with going to the dentist. But you'll need to do some sleuthing to understand what makes a company tick if you want to get a handle on the financial health of a firm. For example, MF Global revealed in public filings that it had a long position of $6.3 billion in short-duration European sovereign debt -- more than five times the firm's book value, or net worth. New York-based MF Global, which was run by former Goldman Sachs chief Jon Corzine, disclosed its position in European debt as early as May, which could have provided an advance warning to eagle-eyed investors. Net capital is one gauge the professionals use to measure financial health. "The best way to check out a firm's financial stability is to find out what kind of net capital requirements they have," says Gerri Walsh, FINRA's vice president of investor education. Regulators require firms to keep a financial cushion to stay in business. One place you can often find reference to net capital is a quarterly earnings release (10-Q), which is available on the SEC's website. But the net capital ratio often varies by numerous factors, such as a firm's type of business and risk profile. Futures brokers, like MF Global, must report net capital on the CFTC website - providing the most up-to-date information the CFTC has. There are financial reports from futures commission merchants (FCMs) and retail foreign exchange dealers (RFEDs), which are required by law to file monthly. It's easy to download by PDF or Excel files. There's a catch: The most recent data might not be made public for a full 29 business days - as firms have 17 business days after the month to file, and the CFTC needs up to 12 business days to post those filings. 5. WATCH LEVERAGE Leverage is another useful measure of a firm's financial footing. Simply put, think of leverage as the ratio of equity to assets: If a company's assets take a hit, which was the case with MF Global's bet on European debt, then the equity has to be sufficient to cover the loss. An overleveraged company doesn't have enough equity to cover significant fluctuations in asset value. "Leverage kills," says Dan Wiener, who edits The Independent Adviser for Vanguard Investors newsletter. Sean Egan, a principal at the Egan-Jones ratings service in Haverford, Pennsylvania, saw warning signs of MF Global's impending doom when few others did. On Oct. 28, his firm issued a B-minus rating for MF Global, a total of six notches below that of Standard & Poor's credit rating, he says. Egan says that a look at the company's leverage would have revealed trouble right away: "They had shareholder's equity in the area of $1.2 billion, but they had total assets of $41 billion. That means if their assets declined in value by nearly 2.5 percent, they would wipe out their shareholder's equity." To get a sense of what kind of leverage is appropriate, you'll need to talk to someone who understands financial companies. A firm such as MF Global, which dealt with high-risk futures, should be able to cover at least 25 percent of its assets with equity, experts say. MF Global had just 3 percent. Appropriate leverage percentages vary depending on the risk profile of the sector; banks, for example, traditionally can operate on a lower ratio. While the pros have complex financial models to measure volatility, Hersh Shefrin, a finance professor at Santa Clara University in California, says individual investors should look at New York University's Volatility Lab website (See http://vlab.stern.nyu.edu/) to monitor factors such as leverage, along with a company's overall stability. Currently in a beta format, the "V-Lab," as it is also known, looks at volatility and systemic risk, tracking close to 1,800 data sets. Figures are updated daily. Enter "Bank of America," for example, and you'll see a volatility rating of 75 percent for November 8, almost double where it stood a year ago. 6. KNOW WHO YOU ARE DEALING WITH Because the financial system is so complex, companies are usually tangled up with each other. "If you have an adviser that's putting you with a managed futures fund, you have to call up that broker and ask them, 'Who is this money invested with?'"says Charles Rotblut, a vice president at the American Association of Independent Investors and an editor of the AAII Journal. "There will be a paper trail where the money is going, and where the transactions are being made - so they should be able to tell you where the money is invested, and with whom." While channeling your inner Sherlock Holmes may sound exciting, research shows that most people don't take the initiative to vet their financial relationships. But the constant barrage of blow ups might soon lead to a tipping point, says FINRA's Walsh. "After all, a lot more people used to smoke," she says. One more warning: If you do spot a red flag, don't wait to act. Right before MF Global filed for bankruptcy, some clients asked to pull their money from the firm. But instead of simply wiring that money back to customers, the firm sent old-fashioned checks via snail mail. By the time some clients deposited the checks, the firm was insolvent
  7. further questions 1. does the larger capacity car you drive tells something that of your financial status (please remember it is CARS we are talking about and NOT LORRY or MRT)? 2. when you drive a higher capacity, does your ego become inflated? 3. would you place priority in buying a bigger cc car over saving the money for investment? 4. finally when you bought a car, did you really calculate if you can afford the maintenance expenses, including petrol, carpark coupon, ERP and etc? have fun
  8. Anyone reads folktales, fairy tales? I know of Aesop, Grimms brothers, hans C anderson... Maybe some in old testament. Some great metaphors from spring autumn period too. The recent parliamentary debates also have some wanna be eh. Firing first salvo is LSS, zorro. Before that , we also have LTY on poisonous mushroom. Anyone has youtube for LSS's folktale of 勾心 and 斗角?
  9. Any bros have information of the new DBSS site at clementi ave 4 Please tell me...thanks bro
  10. bros Scenario as follows Buyer initially was introduced to a broker to apply loan for him in order to take over a car,forms submitted to broker on 27, right now buyer doesnt want to continue . Buyer checked with bank on 28, and verifed that no application was received as yet. As buyer withdraws, broker says need to pay him $100 for processing fee else legal action and he mentioned there was a contract of agreement. Buyer did not sign any form of contract apart from the loan form. Broker intially meneioned no fees and admin fee involved as he was introduced by friend. Did not meet broker at all, only communicate via email so not much work involve. So what can the buyer do? Do you guys think broker will really go to the extend to take legal action because of $100?
  11. Hi do anyone knows roughly how much the insurance would be for a 50yo driver with 20+ years of driving experience with no accident? roughly and the car is a kia rios 2nd hand OPC 1.4cc? can help roughly? thanks
  12. the room rates will kill you $350 per room per night at Hotel 81 during F1 AsiaOne | Wed, Sep 21 2011 SINGAPORE - With the Formula One (F1) just around the corner, even non-track side hotels stand to be big winners here, charging almost double their usual room rates. Rooms at Hotel 81's branches at Bencoolen and Bugis, located near to the track, are going for about $350 a night on Friday, Saturday and Sunday - about twice the regular $159 weekend rate. The lowest-tier hotels in Geylang, for example, now cost $130 per night, up from $80, reported The Straits Times (ST). There is typically a room rate hike during race weekend as hotels have to pay a F1 tax with those by the track having to fork out 30 per cent of the price of each room they fill, while those away from it pay 20 per cent. The night race for F1 will take place in Singapore on Sept 23-24 for the fourth consecutive year. According to ST, hotels tend to benefit as their room rates go up by more than the tax amount and many of them expect occupancy rates to be high, if not fully booked over the three days of the grand prix. Hotels like Marina Mandarin Singapore, which is by the track, is charging $750 for premier rooms, up from about $400 normally. The hotel is currently 95 per cent booked for race weekend, and expects a full house. At The Fullerton Hotel, which is already almost fully booked, rates start at $1,000 a night for at least three nights. As for Marina Bay Sands, rooms are going for at least $2,000 for three nights. Even hotels located at Orchard Road are charging higher prices. Rooms at Royal Plaza on Scotts cost $580 per night, up from $360 on a typical weekend. The hotel is 71 per cent full between Thursday and Sunday, General manager Patrick Fiat told ST. It is the same story at Fairmont Singapore, Swissotel The Stamford, Pan Pacific Singapore and the Millennium and Copthorne hotels.
  13. From Yahoo http://sg.news.yahoo.com/citizen-run-faceb...government.html A Facebook page in support of the People
  14. ..18 Chinese nationals jailed over fake degrees By Faris Mokhtar | Yahoo! Newsroom
  15. Guys, mod have spoken... Welcome to part 4
  16. How can anyone continue to drive on a highway whe they have their hood up making visibility almost/completely impossible? Well, this lady can...and she doesn't seem intimidated by it. In fact she doesn't want to stop, definitely in a hurry (maybe a hairdresser appointment). Probably the worst driver in New Hampshire
  17. Has anyone watched Smurfs already? Is it nice?
  18. http://johnharding.com/why-gas-should-be-a-a-buck-a-gallon/ = Price of gas $0.91 in Saudi Arabia, $0.78 in Kuwait, $1.74 in Puerto Rico (part of the USA). So how can that be? It costs less than a dollar to produce a barrel of oil in Saudi Arabia
  19. i got it in my Email.. Disclaimer: I do not know if all these are true or not.. since its circulated in email, take it with a pinch of salt.. and read for entertainment sake? :p Subject: Tan Jee Say ( tjs ) is GOD ?? Tan Jee Say is GOD By TheRealTruth 15 August 2011 Dear Fellow Singaporeans In the interest of transparency and in the spirit of being the voice of conscience, this is to correct the false impression that is conveyed in the Sunday Times article about Tan Jee Say (tjs). Tjs has no moral righteousness, compass or anchor and blows where the winds of opportunity takes him. He quit the government when it became apparent that he would not become permanent secretary. After quitting the government, he first joined Morgan Grenfell, then Peregrine Bank, Standard Chartered Bank and finally AIB Govett. When Morgan Grenfell came knocking, tjs jumped at the chance. He promised them to bring in much monies from the Malaysian conglomerates which he came into contact with during his tenure at the Ministry of Trade & Industry. His results at Morgan Grenfell speak for themselves, tjs did not deliver the monies and his peers soon found that he was a light weight load of hot air. His stay at Peregrine Bank was just as short lived. In fact, he had a contributory role in Bank Peregrine’s eventual demise. His poor judgement, resulted in his failure to dispense proper advice that the investment into an Indonesian concern was not viable. Tjs, the person responsible failed to do appropriate due diligence. Peregrine's subsequent bankruptcy saw him packing his bags again. At AIB Govett, it was reported that his strength was in policy making. This firm collapsed whilst others survived. Obviously tjs’s policies were wrong. This forebodes poorly on the potential for tjs to be EP as at every employment stop he has demonstrated poor judgement. Translate this into safeguarding our nation’s reserves and it will result in disastrous consequences. Tjs’s next stops at Standard Chartered Bank and Hi Green is also empty of significant contributions. He was forced out of Standard Chartered by his Indian FT boss. His claim to be ‘not a lavish man’ is a distortion of the truth. In his ‘high flying’ years, tjs openly boasted that his income tax contributions were higher than an average man’s annual income. Tjs aspired to the lifestyle of his successful PAP friends and his banking colleagues. Tjs had his fair share of thoughts about redeveloping his Frankel Avenue house into a mansion. It is obvious that tjs squandered his wealth on ill conceived and dubious ventures in his empty years. If tjs had prudently invested his wealth, he would be fairly well off. This can be verified by any banker. 2006 till present, tjs was unemployable as by that time the banking industry had seen tjs for what he was, no substance and only hot air. Let the people exam tjs’s empty years for themselves. And these were indeed empty as he was trying to chase his ‘China make money’ dream backed up by the casual connections made when he accompanied government officials in China state visits earlier. There was also an abortive attempt at marketing Chinese breast enhancement drug treatments in Singapore. Not surprisingly, it failed. His attempt to provide training of bank personnel also failed as tjs could not deliver what he promised. Acquiring a certificate in Islamic finance, he tried to hawk his credentials as an Islamic finance adviser. Predictably this flopped too. Tjs is a serial failure after quitting the government. There is also an erroneous reporting that Tjs’s wife was an investment banker. This is inaccurate. Pls verify for yourself which investment bank she was employed under. In fact, Mrs tjs abused her position when she was with their 4th child. NTUC Income would not grant her paid maternity leave so she took unpaid leave but traded on her information from the NTUC Income equity positions she managed to make money for herself. In what ever manner one looks at this, this is a conflict of interest. Tjs’s selective use of reality makes him dangerous to Singapore. Reporting that tjs is an independent candidate is also erroneous. He was brought up through the PAP system and for a time worked within the system when he was PPS to DPM GOH. In truth, tjs is a rogue PAP onion setting his own agenda to revenge the wrong that he perceives the PAP had done to him under the disguise of public interest. Tjs cannot claim to be a people’s man and have the Singaporeans’ interest at heart. For those who know tjs, he thinks highly of himself, is full of airs, highly opinionated, talks down to people. No way can Tjs be Singapore’s President Closing factories, moving workers to Batam, disbanding Temasek Holdings, closing casinos, draw $60 billion from reserves to finance his hare brained schemes, etc all came from his lips. Has he seriously thought through what he is proposing, or is he just shooting from the hips to rouse mob hysteria. His endorsement by Chee Soon Juan and his EP campaign being financed by SDP make him beholden to Chee Soon Juan, and thereby a SDP spokesman, and not representative of all Singaporeans. I feel that tjs does not have ALL SINGAPOREANS' interest at heart; tjs has an axe to grind with the PAP because he is disgruntled that his dreams of higher government office was not realized. This is very dangerous and a threat to our country’s stability and because of this I feel strongly to disclose what I have discovered about tjs so that the TRUTH be correctly reported. Best regards TheRealTruth
  20. Sorry if I sound like a complete newbie (I am one!) ... 1. Will I need to call and make an appointment before visiting a ICE installer? 2. Can the installation (if any) be done on the same day, or do I have to make another trip down on a separate day? 3. Are there any newbie-friendly shops bros can recommend? I have phobia about visiting audio shops because I am a newbie ... Thanks ...
  21. hi guys, need some info about getting a maid. My family never got a maid before and we're not sure about some of the rules. But here's the situation, My mom works and is taking care of my brother's baby at our place ( i'm not married, still staying with parents) Baby is taking a toll on my mom and my bro refuse to get a maid ( for dunno wat reason). Bro stays in the next block ( 2 mins walk) in the same condo as us. So, assuming we get a maid, assuming the maid is employed under my bro's name, the maid stays with them during the night, but at night, when they are both at work, the maid can come over to our place and look after the baby under the supervision of my parents. Is this against some regulation? Thanks in advance guys Cheers
  22. Any feedback on these 2 cars? I'm looking at 2nd hand 06-07 model, i feel the price is reasonable compared to Jap cars of the same yr. My concern is the part availability and maintainence of the car. What are the things i need to take note when choosing 2nd hand C3 or Meriva?
  23. Curious to see what are the things that bros and sis here are thankful about....will be good to know what are things we take things for granted... Let me start the ball rolling: 1. Family is healthy 2. My little girl is growing up healthy and bright 3. I think about what to buy....rather than where to find money 4. I have a good stable job which allows me to plan for the future 5. I have PS3 to play at night
  24. I'm about to change car battery. And all the while, i'm using Amaron Maintenance Free (Green). I paid $100 last time i replaced (Oct 2008). I'm going to use back Amaron again, since this brand never gave me any trouble since donkey years ago. In fact right now, my present Amaron still going strong, though its already 2 years and 5 months. I got sub amp and box woofer installed. Convince me to switch to another MF brand with similiar or cheaper price and which workshop i can go to change. Any workshop that charge cheaper than $100 for Amaron Battery MF? My batt is the smallest capacity.
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