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A friend of mine due to some reasons have loss a hefty sum from properties in the past. The properties were forced sell hence resulting in hardship . He managed to get by for years by getting credit lines and credit cards to pay for the loss, he has since reduced the debt to about 200K. Whatever he has earned go to paying the credit lines through monthly instalment. He told me that he is just 36 months away from being debt free. However, his current company is folding up due to current market situation hence he is extremely depressed . There is only so much that I could lend it to him in the past. At his age, if he is being retrenched, he is unlikely to even get 1/3 of what he is getting now. This is sad but a true case. I wonder whether to declare bankrupt is a better choice for him . So wonder what is the best course of action that we could advise him. I heard that there are some debt consolidation firms that could help him, anyone has experience working with them? Are there any free public bodies that he can seek advice and to help him with the hardship? By the way, I'm seeking constructive advice here please don't give nasty remarks . Thank you very much for being considerate. Regards,

GREELEY, Colo. - A dog stood guard over her owner's body for up to six weeks after the man committed suicide on the remote northeastern Colorado plains, authorities said. ADVERTISEMENT The body of 25-year-old Jake Baysinger of La Salle was found Sunday on the Pawnee National Grasslands about 75 miles northeast of Denver. Cash, his German shepherd, was found beside him, thin and dehydrated but still alive. The dog had apparently survived by eating mice and rabbits, authorities said. The Weld County coroner ruled Baysinger's death a suicide. The cause of death wasn't immediately determined but authorities found a gun nearby, the coroner's office said Tuesday. "At least we know it's over now," said Baysinger's wife, Sara. "We'd been looking for my husband for six weeks, and this isn't how we wanted it to end. At least we can close this." Baysinger was reported missing June 28. An extensive search failed to locate him, but Kip Konig, a rancher, saw the dog last weekend, went to investigate and discovered Baysinger's body and his pickup. He said Cash kept running back to the pickup and jumping into the front seat. "I got the sense she was trying to tell me where her master was," Konig said. Cash was reunited Monday with Sara Baysinger and her 2-year-old son, Lane. She said her little boy is "very close to that dog" and happy to see her again. Investigators said the dog probably kept coyotes away from the body.

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My friends booked a car with PI. Supposedly 6 bid guaranteed COE. It wasn't indicate that there will be COE rebate. The PI bid $7006 and got the COE at $2. Friend requested the PI to give some discount on the car as the COE had fell, otherwise he would not want to register the car and offer to buy back the COE and forfeit the deposit to the PI. The PI does not want to give discount and say that the loan has been approved. Friend then calle the bank, bank said the loan has not been reimbursed yet (I supposed this is true as the car has not been registered yet and the HP agreement had not been signed). The PI then said that they will sue my friend for breaching the sale contract. Friend asked for the sale contract and the PI said it is confidential and will not show it to him (I don't know why friend did not have copy of the contract in the 1st place). Need some advise here. What does the PI mean when he say will sue my friend? Sue him for the $2 COE? Friend is ready to forfeit the deposit leh. Sue what sue? Its just like I go book tour package, I pay deposit, tour agency got the air tickets for me, then I last minute cannot got tour. The most I pay for the air ticket and forfeit the deposit mah. Right?

Situation is this: 1) Friend had this guy as bf back then 2) Bf wanted her to take loan on his behalf 3) She took the loan under her name 4) He took off leaving her high and dry Now: 1) She has been servicing the loan for quite a while 2) She has been thinking of getting a flat for herself 3) Interest payment is pissing her off as she really wants to start saving up for the downpayment 4) She's thinking of borrowing from someone and pay that person in 4-6 months without interest of course 5) She will start saving up for her house once she finds that someone Your comments?

Hi need some help here. My friend knock into a cab's bumper. But is just a slight knock. And both cars has no physical damage or anything. But the cab driver insist on getting my friend's particulars. So they exchanged and my friend took the picture of both cars showing there is no damage. The cab driver said his company will check the car thoroughly to see if there is any damage and stuff. So now should my friend call the cab company to inform them of this incident first before he cook up some story? Or inform the insurance company and affect her NCD? Thanks alot for the help!

Hi All, Any place where I can send it back for servicing? Can bring back to C&C lah... but alternatives? Thx!

He was riding bike and he saw a tp on some bridge. Me thinks its the SLE flyover.. I thought tp always hide at the bus stop.. He saw them, and jam brake, and slowed down considerably.. So drivers, watch out.

Damm jia lat him, will be charge soon. Will he be paying for the traffic light damages as well as fine? He sure damm broke for the repairs of his car liao.

Nice??

This happened a few weeks ago. Was working, when I received a call from my friend M, who told me that he is now waiting below my office building and insisted I take a look at his new car, and then hung up. I was irritated, but also curious. What could the guy have bought himself now? On the way down in the elevator, I mentally cycled through the rides which he had owned and sold: BMW 320, Evolution VII, BMW 330 coupe, Nissan 350z, then MRT, due to interim indecision. I have always thought that M was a little erratic and definitely on the wrong side of crazy when it comes to cars, and having too rich a father. Without giving away his family business, I would just say that his father owns one of the food retail chains in Singapore. M is 29years old this year. I walked myself to the basement carpark, and I spotted M's latest ride straightaway. It was parked next to mine, and it was a black, presumedly preowned Nissan R34 GTR. I began by asking M if he was crazy, buying this car. He replied that he has "always wanted" a GTR and he "couldnt afford" to buy the "new one". Besides, he said that the R34 looks decidedly old-school, and more monsterlike in appearance. He rattled on and on about the features and plus points of the R34 but I perked up only when he asked if I would like to test drive it, and shoved the keys rudely in my face. I grabbed the keys and hopped into the cockpit of the car. (Note: The word cockpit is something I reserve mostly for cars having bucket seats and approximately 60-70 gauages, as seen on a lot of WRXs, Evos, and Hyundai Matix )M hopped in next to me while continuing to extol the virtues of the car. I started the car, and it was like armageddon has arrived in this little basement carpark in the heart of our CBD. Apparently M or the previous owner did not know that silencers are required for street cars in this country. Put the car into first gear, and stomped on the clutch pedal (yes stomped. It was triple or quadraple plate I forgot as M gleefully informed me then) and moved off cautiously, not wanting to let the engine die on me due to poor clutch control, and perhaps earning a snide remark from the demented M in the process. I will spare you the bits where I tried to get the R34 onto the highway and having the car engine stalled on me twice anyway and getting the hell honked out of me by a toyota something (altis?, vios?) and a Comfort taxi. Poor clutch control. Kindly pardon me. Well on the highway it was something else! This is quite a different beast altogether from whatever I have driven before. This particular R34 was boosting at 2 insane bars, and it felt like an unleashed hellhound surging forward to consume whatever was put in front of it everytime the throttle was engaged. M was whooping next to me asking "how?how? shiok or not?!" next to me all this while, and I have to admit that this is very close to the epitome of "shiokness". It humbles me to know that this car betters any of mine in sheer raw power and speed, though its footing was not as nimble around bends and corners. "How many horses again?" I asked M. "Close to 900" was his gleeful reply. And I believed him. This was a machine built to intimidate, to devour tarmac. It has an external electronic speedmeter built in, and I later noticed that the meter clocked and recorded 305kmh somewhere before. Every change of the gear was accompanied by what seemed like an endless wave of torque and the way the car goes, you keep reaching to up shift, only realising that there are only 5 gears, so you had to pace yourself accordingly. This car was tuned and built at one of the premier "modshops" in Singapore, and converted to a single large turbo car from its original twin turbo setup. Everything else was modified too by the same workshop, and M had the luck to buy it over in its "fully-tuned" condition. I told M after the drive that he had hit jackpot this time. I cursed M for making my car feel slow when I drove it home afterward. 900 ponies? I believe.

you want to sabo the couple, http://www.yourfilehost.com/media.php?cat=..._dance_ever.flv or you(the wedding couple) want to shock your parents.

You were here for me all the time You did not complain when I got my first girlfriend You even decided to touch her just to make us feel good You help me with the daily chores of life and never once complain about it You were there whenever I'm passing motion You helped me pen my thoughts (the happy moments, the sad moments) Now that I'm all alone in this world again... YOU SHOWED ME HAPPINESS AND FULFILLMENT ONCE AGAIN! I know I can depend on you at all time! Thank you my friend

After done shopping for a BD present for a guy friend, my female companion stopped by a shoe shop to shop. Seeing her hands filling up with shoes, I then offer to help her carry her handbag for a while. She refused and comment she would never let a guy carry her bag for her. Even for a short trip to the ladies, however she think it is ok to let a fellow female help carry for a while. Her comment is she can't stand guys who carry handbag for their GF. I however think it is Ok if the need arise. I thought it is conservative to think guy should be touching a ladies' handbag, but my friend turned again and said those who are ask their guy friends (or BF) to carry their handbags are conservative. Sounds like a topic here, so what do you all here thinks. Fact: We are old friends, not in a relationship.

Anyone has done that? Any pros and cons? I personally feel a bit uncomfortable with having a friend as my house agent... as somehow think not too good to have money dealings with close friends. but on the other hand, if i'm going to let some stranger earn my 1% commission, i might as well let my friend earn the 1%?

any reviews?thanks man!!!

Hi Guys, My friend need help. Can you advise whats the best option for her. Her close friend bought a Estima using her name on Nov 2006. My friend has no license but she is the owner of the car. But sadly her close friend passed away on 5th Feb 2008. She has no ways to pay the car loan of $1100 per month so she wanted to sell away the vehicle.How much is she expected to lose? And whats the best solution for her right now?

What would you guys have done?

"dose dreams again...ok had another one of dose dreams again n i'm afraid it's not one of de good ones or harmless one...sadz okay u might ask wad kind of dreams...thing is since like a few yrs back like when i was in sec 3...everi once in a while when i'm like troubled or under some sort of stress be it exams or wadeva...i'll have one of 'dose' dreams where i can really 'see' dat which has yet to happen...you might choose not to believe but i stand by wad i type...let me explain... back when i was still in sec 4 before my 'o' levels...i dream of a place where de stool n tables were like a cafe's one, where de tables were de round metal kinds and de chairs were dose made wif de rattan one but it was in a school not a cafe...fast forward to jc 1...it turns out dat it was de place i studied for 3 mths...temasek jc...before hand i had nva heard ani1 talk about de canteen dere or been dere myself...ok at least this was harmless... den when i was studying in temasek jc before de 'o' level results were announced i dreamt of another place...where it was an entrance to a place where de stairs slanted from de left to the right den from the right to de left but it still led up...fast forward 3 mths...i couldn't stay in temasek jc cos i missed by 1 point and i was then posted to tampines junior college...guess de first thing i saw when i went to tpjc for de first time...yup de slanted stairs...ok another harmless one... another incident...beocs i haf some connections...i knew my posting way before ani1 in singapore does for de jc one...one week in advance...so when everi1 else knew deir posting during de march hols...i knew mine during de last wek in school...and thus i was troubled...cos i was in dis LEO club as cca in temasek jc...i was involved in de anti drug dance competition in 2004 as a helper...den when i was still studying happily in temasek jc daes months before de actual event...before i even knew about this dacne competition...i had a dream...i remember it veri well...even up till now... in de dream i was at indoor stadium...but i dun see myself...as in i was dere at de stadium but i dun know wad i'm doing...all i know is i heard de dj daniel ong introducing a group here how's it goes :"in chinese dey call demselves zi long...in eng dey're de paper dragons...so let's give it up for dem". The reason i remember it so clearly was cos i was amused by it...it was a sch dae so as usual i woke up earli on time...den i said aloud to myself...:"zi long paper dragon?" weird name...den i went to wash up...fast forward to de dae of de actual event in de march hols...i heard de exact same thing WITHOUT A SINGLE WORD MISSING said by de exact same person in de exact same tone n voice n speed n lighting n EVERITHING...dat was when i believed i could reali see into dat which had yet to happen...n turns out paper dragon was frm de jc i was being posted to...tampines jc... when i spoke about this to my folks, it turns out dat it's not jus my imagination...yrs ago n i do mean yrs ago...when my dad was still young as a boy. My dad's family at dat time wasnt well off...poor in fact...one day he dreamt of numbers n went to tell my granma...in fact dese numbers were de winning numbers of de 4D or lottery back den...3rd place numbers which could have won my dad n his family a few hundred dollars at least...back den a few hundred was a princely sum...genes??? fast forwad to jus now...let's jus say its not a pretty dream i had which involved a dbl decker bus, a black lexus suv (i saw de liscense plate, but i'm not gonna type it here) and me n a few other ppl...thing is, it's one of dose dreams...i can feel it...and in de dream i dun see myself veri much older...in fact i dun see ani diff between me now n de other me...so i'm not feeling easy now...esp when i am troubled now n dat if it reali does happen de way i 'saw' it...i wonder if i ever mattered to some1...i mean i know i matter to my family n all but dere is some1 which i wanna know if i mattered...dats why i'm troubled n taking this so badly i guess... years back whenever any1 asked, i could confidently say dat i reali had to leave this world de next dae, i would be able to do so w/o regrets becos i reali was happy...but now i can't do so animore...it's reali true dat when ppl pass on de things dey regret are reali de things which dey did not do, not de things dey haf done...for me de regret i haf now if i were to reali go would be an ans to something which i'm afraid to know but yet at de same time i wanna know so badly...haiz...uneasy...n i'm not even 21 yet..." friend's experience. would like to hear more opinion from you guys if you had any similar experience..

Any good suggestion which i can avoid her without hurting her? I have this friend who will always call me to complain abt her work and colleagues non stop. If i'm too busy to pick the call, she will flooded me with email... when we went out together, she will cling to me like super glue... I can't think of a way to stop her, and i cannot tell her off in her face as her get hurt easily.. pls help....

Thinking of buying over a friends' 1 year old Jazz. (He wanna upgrade to bigger car due to family expansion).. Need help to know what is the actual cost I have to bear, and also the Loan portion...any expert on this? details 2006 Jazz, bought on Jan8, 2007 10 years loan, monthly repayment is $620 OMV value: $14,487 PARF rebate amount: $11,952 QP Paid: 9605 COE rebate Amount : $7,684 Total Rebate Amount : $19,636 Transfer fee: $1,310 (for 1 year road tax) How to calculate the price which I am actually buying the car? the new repayment amount if I take over the loan ?

Any Bro or Sis got any good ideas as to how to reject a friend or relative in borrowing your car? i know a few friends who friend everytime ask to borrow his car.

My friend just told me he had a minor accident with taxi in Aug06. last week he got lawyer letter from taxi company to pay damages of $3600. But my friend say that day when hit there was no damage at all to the taxi or the car he is driving. His car rolled forward at traffic light and bumped against the stationary taxi. Actually when he told me he hit taxi I say die already lor sure kena pay jialat .... I told him even if u just have little scratch on the taxi the bill will be more expensive than painting the whole taxi 2 times over... how to help him?? any advice??

Looking for a place to get it replaced. Any bros here can recommend a shop to visit? Not intending to add alot of ICE, just change speakers. Thx.

My frd is driving a Chevolet Aveo 5 (Hatch) for abt a yr, OPC... mileage abt 20k. The steering wheel start wobbling fr 90km/hr on a even road... things get with higher speed. I've test drove his car and find it unbelievable. The situation is quite bad... he went to Starauto and gt the standard "it's like that one" kinda answer aft performing sm checks. Any kind soul here encounter or c/across such prob... pls advise on hw 2 rectify it. thx alot...