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  1. Ever had this feeling like you are being watched? Then when you turn around, there seems to be a shadow darting past the corner of your eye?
  2. i saw there is a wiziwig.eu but i can never access that site. i am using sopcast i am singtel subscriber, do they purposely block off that site???? btw it is a site for free soccer matches via pap software.
  3. Sometimes my whole car is so bloody dirty, after diy using the sponge-cleaner to clean my windscreens, i use them to clean the doors, and other parts of the car body......but i make sure i dip the sponge long in the water to have as much water to sponge off the dirt... Not a 100% clean job cause normal car wash with wet cloth i at least wipe the surface 2-3 times, but with the sponge-cleaner i only do once or twice and without rinsing...... at least the car will look cleaner when i drive off... If you use the same petrol kiosk as me, please double check the sponge-clearner before using it to clean your windscreens
  4. This video compiles some of the very best car crashes caught on tape. Even though you can't help laughing some of these people must have been seriously injured, so let's try and not think about that :P Check out the video
  5. Well crisis seems to be here to stay, and for some Porsche buyers it seems to have struck really hard. They have to move bedding out of mansion on their 911. Funny video
  6. (Reuters) - Bank of America Corp reported a record quarterly loss of $8.8 billion as persistent mortgage problems and low interest rates squeezed revenue at the largest U.S. bank. The loss was expected after the bank said in June it would pay $8.5 billion to settle lawsuits from mortgage bond investors and take more than $14 billion of other home loan-related charges. But investors were troubled by indications that a tepid economy is retarding recovery outside of mortgages. Interest income fell during the quarter, and Chief Executive Brian Moynihan said in a conference call that demand for loans is sluggish and the economy is not improving quickly. Shares of the bank closed down 1.54 percent at $9.57 on the New York Stock Exchange. Some of Bank of America's businesses, like credit cards, experienced rising profits and loan growth during the quarter. "It's a tale of two cities," said Jason Ware, equity analyst at Albion Financial Group. "You have one that looks like it's starting to make money, and then you have this mortgage business that is still throwing off pretty large losses." He and other analysts also said Bank of America is not likely to raise its skinny penny-a-share dividend until at least 2012. One negative sign for the bank is that its loan book shrank, even as many rivals experienced loan growth. Also pressing profits is lending margins, which are shrinking as the longer-term rates at which banks can lend are falling relative to the short-term rates at which banks borrow. At Bank of America, these factors translated to a 13 percent decline in interest income and a sizable 0.17 percentage point decline in lending margins from the first quarter. On a conference call, Chief Financial Officer Bruce Thompson said the bank was "pretty close" to the trough for net interest income, if it was not there already. JPMorgan Chase & Co reported a similar shrinking in its lending margins last week, which pressured the shares of many regional lenders. Wells Fargo & Co said on Tuesday that its margins shrank less. Analysts had expected rising interest rate margins to fuel higher bank earnings next year. For the second quarter, Bank of America reported a net loss of $8.8 billion, or 90 cents per share, compared with net income of $3.1 billion, or 27 cents per share, a year earlier. Analysts on average expected a loss of 90 cents per share, according to Thomson Reuters I/B/E/S. On June 29, the bank said it would take big one-time charges in the quarter related to a settlement with private investors who demanded the bank repurchase toxic home loans held in mortgage-backed securities. The settlement underscores the pain caused by the purchase of Countrywide Financial Corp in July 2008 by former CEO Kenneth Lewis, as the financial crisis was intensifying. The $4 billion deal saddled the bank with billions in toxic mortgages. Most of the loans related to the $8.5 billion settlement were from Countrywide. Bank of America received $45 billion in aid through two U.S. government bailouts during the financial crisis, which it subsequently repaid. Excluding the charges, the bank earned $3.7 billion, or 33 cents per share, in the second quarter. "It's a slow grind for them," said David Hendler, senior analyst at CreditSights in New York. CARDS, INVESTMENT BANKING IMPROVE The results highlight that many of the bank's business units, most notably its credit card and investment banking units, are becoming more profitable. Global card services reported income of $2 billion, up from $826 million a year ago. Global banking and markets income rose to $1.6 billion from $1 billion. BofA's investment bank reported fixed income results increased to $2.6 billion in the quarter, up from $2.2 billion a year prior, but down from $3.6 billion in first quarter 2011. BofA's year-over-year increase in bond trading stood in contrast to Goldman Sachs Group Inc's 53 percent decline in bond trading revenues, a surprise for what was once the largest Wall Street bond trading house. Bank of America's consumer real estate services unit lost $14.2 billion in the quarter, continuing a series of losses for the business dating back to the 2008 financial crisis. Overall, revenue tumbled 54 percent to $13.5 billion because of a provision taken as part of the mortgage settlement. Excluding that, revenue was $26.5 billion. Like its peers, including JPMorgan and Citigroup Inc, Bank of America reported improving credit quality as loan losses declined. At Bank of America, net charge-offs -- loans the bank is writing off -- declined for the fifth straight quarter and the bank lowered its loan loss provision. Earlier this year, the Federal Reserve denied permission for Bank of America to raise its dividend later this year. The Fed's denial, paired with mortgage woes and a weaker U.S. economy, have pushed shares down 27 percent this year. Albion's Ware said BofA's shares -- now trading at roughly half their book value -- are not attractive to many investors because of the uncertainties surrounding the bank's mortgage woes. "From a pure price perspective, you would think it's a bargain, but there's just so many red flags right now," Ware said. (Editing by John Wallace, Robert MacMillan, Andre Grenon and Phil Berlowitz)
  7. For me, these are the cars that i will not buy 1) Kia Koup -- labelled as poser 2) Sonota (taxi model) -- unless i lose my job 3) WRX (even sti) -- poor man sports car 4) BMW 318 -- labelled as badge whore 4) Chery cars -- sat in one and the quality is terrible. 5) Renault Megane -- this just looks aweful to me 6) VW Touran -- looks like a van and not a car
  8. http://www.sgcarmart.com/used_cars/info.ph...403&DL=1000
  9. For TVB fans or those who have watched this HK drama...gotta say really one of the best I have watched in years. Superb acting...storyline/plot and really nothing else but praise for this show. Truly a magnificent and realistic love story. Really encourage all to watch it if you have the spare time.
  10. As above, there are so many lucky draws going around in Singapore. some use car, some give money while other use house as bait. honestly, anyone actually win big like a car or house before? or even TOTO or big sweep. I have only once witness a frd who have won TOTO some years back but the amount was 600K. Never knew anyone who cross 1million mark. Here i mean is real ppl around you whom you know. Not those my friend's cousin's father side auntie's in-law's son's gf's uncle. Do you believe in lucky draw or windfall?
  11. Some car models can do plastic surgery or heart-transplant? My wishlist:- RX8 has another version with an conventional engine say the 2.3 turbo of the Mazda6.......... i have no real issues with the wankle engine, but due to limited number of workshops to support the rotary engine, maybe a 'normal' engine as an option will be nice? I like the full four-seater and half-door concept, superb!! Similarly, the 350Z or 370z with the older GTR 2.4L engine or even the 2L S15 engine to suit sgp's rdtx system
  12. Our gf, or wife..... they seem to need a big bag wherever they go, else they will stop breathing?? Take for example my wife, since the day i knew her, havent seen a day she goes out without a bag which to me, seems to be big enough to keep all the stuff i need for an overnight trip... why?? Strangely, although I am curious, I have not really peeped inside her bag (or bags) to find out what she keeps inside?? first aid kit? all the keys for home, car, office? spare blouses etc etc? half her makeup table's contents? i dont know.......... If any bro has any clue, please share it here........... if you are sister, can you explain this 'mystery' why females need BAG bigger than a wallet? Most men can be away from home whole day with nothing more than a wallet, or at the most, a clutch-bag, small small one....
  13. haha when can i own a alfat again?
  14. The OMV + the owner's description makes me LOL... Makes me wonder whether this adv is real or what... [laugh] http://www.sgcarmart.com/used_cars/info.ph...913&DL=1000
  15. Hi car lovers, Anyone happens to lower your coilover by yourself? Cause the WS said the height will never balance which puzzle me. That's y I hope someone could share with me your knowledge as I want to perfect the height. Currently height consider quite close to each wheel but I still want to lower more. WS is charging me. So I am seeking car lovers who could assist. Thanks.
  16. Hi all I decided to start a thread to discuss YOUR opinions of the most beautiful continental car ever made, here's mine, Lotus Esprit V8
  17. read this: http://www.businessinsider.com/there-are-n...-america-2010-9 and this: http://www.businessinsider.com/the-chinese...-dramatically-1 and see the resemblance in sgp?
  18. Sunday monring, I exited SLE (toward BKE) via Woodlands Ave 2. At the 1st t-juncture turning into Ave 1, there is this odd traffic light which has the red/amber/green light for right-turning lane. when the entire direction turned green light, the right-turning light also turned green. Then suddenly it turned amber and then red. I was the 3rd car in the waiting lane and was trailing behind a slow pickup. Being the 3rd car, I togt I should be able to clear the traffic light. Howver, I didnt expect the right-turn green light to change to amber then red so soon. I think I was just before the stop-line when the turning light became red. The slow pick-up caused me to over-estimate my speed of turning and I was overly optmisstic that I could make it. On hindsight, I should have stopped. I drove past the junction again and realised that there is a redlight camera. I dun recall seeing a flash at all. As the entire traffic direction was still green light except that this right-turn lane which was turned red, I wonder if the camera will activate. The funny thing about this junction is that after the red light for the right turn comes on, it will go off after 5 sec. It becomes a "normal" right-turning lane when the red light goes off. i reckon that the camera wont activate for a single lane (general traffic direction is still green) or due to the weird set-up for this right-turning lane (turns red then turns off). Any expert opinion? Having said the above, I am absolutely sure it was a mistake on my judgement. I will definitely be less optimssitic when crossing traffic lights...
  19. Hi brothers, Anyone know of any good "Ngoh Hiang" sellers in Singapore or Malaysia? I am crazy over Ngoh Hiang but can't find a good Ngoh Hiang maker until recently my wife ordered the home made Ngoh Hiang through singapore motherhood forum, really good. (Not sure whether i can post the link here) Is there any other seller who make very good ngoh hiang?
  20. Does you ever keep the packaging for the items you have brought? for example a television, computer, headset, handphone or even a mouse and a keyboard?
  21. http://forums.motortrend.com/70/6567789/th...-trd/index.html Its also known as the Camry Solara in US. Its awesome looking man!! And its a coupe!! Imagine Toyota decide to throw in a 2.5L or 3L V6 and make it RWD.... OMG it will be sweet!!
  22. Dear Japanese car Owners, Kindly participate on the following poll, and do share your experience of what was the situation and how did you find help. Thanks.
  23. The last exorcism all talk..shows this american 'pastor' babbling throughout the whole movie..pls avoid.. wads ur..maybe can note here..so others can avoid
  24. http://sg.video.yahoo.com/watch/3710199/10203309
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