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First I must admit i very lazy.. Actually what is happening is that currently I living in a old 20yr old resale flat that i bought at 300k, now can get 400+k. House old liao many problems... looking at buying a new BTO/ EC since Khaw keep releasing we must give him some face and buy right? I tried to find most of info online liao but still got a few qns... Eg, If i bio one BTO. Sep close. If I am informed in Oct 2012 I get it what next? lets say 3 yrs later 2016 ready. Of course during all these waiting etc I am still staying at old house correct? So when must pay downpayment(if any) and/or start paying installment for new flat and how much all these? any kind soul can help me summarise in a short para or point me to info? I got a stay near parents grant when i got this resale flat. So if i buy a new flat from HDB means i second timer correct? this stay-near-parent grant must vomit back? then am i eligible for further grants? Kam sia many many for those who can help.

household income = $15K, 0 children household income = $7K+, 1 children household income = $1.8K, 6 children the higher the income, the lesser children (likely 0) per family this is simply because a. we want the best for the child, enrichment class such as ballet, piano/violin, etc b. we want the best for the child, clothes such as polo kid, baby guess, oshkosh b'gosh, etc c. we want the best for the child, the best and most popular pre-school with low teacher-to-student ratio will "paternity leave" solve this problem? hehe high competitive = high expectation = high expenses = this reflect the society in big cities (including hong kong, taipei, tokyo, seoul, etc unlike beijing/shanghai that has 1 child policy)

Can anyone recommend a reasonable price optical shop? I like to change my lens to a progressive, transition and polarize. I went to a optical shop today and was told only Oakley USA could provide prescription Len for such frame. :(

like that easy lor, since ungrateful and fussy some more, donations can go somewhere and someone else. "While many Singaporeans are contented living in harmony in Singapore, popular Malay musician and arts activist Art Fazil had created ruckus when he posted a photo of Muslims receiving alms from Buddhist monks in front of a Buddha statue during the holy month of Ramadan on Facebook. A photo taken from Suria channel evening Malay news was intentionally taken out of context to sow discord among the Muslims and the non-Muslims. Supporters of Art Fazil felt that the collection of alms in front of a Buddha statue was inappropriate. They even urged Muslims should not be too tolerant towards other religions at the expense of Islam, which opposes idol worship." http://www.sporehallofshame.blogspot.sg/20...-disaffect.html

Now is the best time to buy the car accessories you wanted to spruce up your car. They may be a little bit pricey, but OCBC is here to fulfil all your aspirations. With the OCBC Cashflo Card, you can pre-set a trigger amount, above which all purchases will be automatically converted into up to six months interest-free instalments. The best part? This feature on the OCBC Cashflo Card applies to all merchants that accept credit cards. This means that any and every purchase of yours, anywhere in the world, can be split into instalments. Now you will never have to miss out on a good deal! How? 1. Pre-set your preferred amount to activate automatic instalments. E.g: S$800 2. Purchase accessories at S$2,400 3. Just pay $400 for the next 6 months Other benefits:

Almost new tyres V12 205/50/17 less than 2 weeks old, less than 500km done on them. Interested parties pls pm me, thanks.

If only i had them teaching me Chinese in school. sure get my A+

Do we really want them to integrate? (An article in TODAY 19 June 2012) Quote These days, if one listens to the complaints about foreigners, one sentence crops up inevitably: They cannot integrate into our society. Every time I hear this, I wonder what we mean by

This weekends, SIN Show at SG Expo Hall 3. Yahoo Report : Cars and girls of SIN return after two-year hiatus Fans of import rides and models have been anxiously waiting and frequently asking when the next Super Import Nights (SIN) will be. SIN is a homegrown aftermarket automotive exhibition with a wide range of aftermarket parts and accessories, modified cars and of course, car show models. After a two-year break, SIN returns for its fourth instalment on 25 to 27 May 2012 at Singapore Expo Hall 3. As they get extremely busy preparing for the show, I managed to squeeze a quick word with Simon Foo and Chris Ang of Three Angles Production, the men behind this show. Q: What's new about this year's SIN? A: We have a different focus now

Hi all, Have went to sim Lim Tower, gotten below quotation for: Pioneer 4350 @ $510 to $530 Jvc Avx846 @ $530 Soundstream component speaker @ $120 They can install for me too if I want to. Only cash If I look at the sale posted in mycarforum, seller quoted $600, believed inclusive of installation.

Thought I'd give another discussion for this lazy Saturday. As above, in this age and time, we see that medical science has been able to lengthen the lives of the oldies (even those hopeless ones). Should the Living Will be MANDATORY? As we live our lives, we have decisions that we make consciously. Should the decision to not be resuscitated, ie, NO CODE, DNR also be a mandatory requirement? We are seeing more and more of the elderly, dementiated, senile ones becoming burdens to society. Some leave and are living, but are still burdens and nuisances to a certain extent. Should not ACTIVE Euthanasia be a requirement? I should have the power to decide what and when i should call it a day on my life? However, society can also decide which individuals can and should be acceded to that too? Do add, discuss as deems fit. For the record, I have signed my living will already, and DNR and No CODE documented!

Excluding bulldozer.... For me its hard to say. When a car model becomes popular with pimps, ahlongs, haolianers, gays, etc proabably its about time I consider 'blacklisting' them.... But the big question is: how to tell? any ideas?

Dear all Gurus, I am thinking of buying a DBSS next year in August, it has to be resale because I cannot qualify for a BUC one, any idea of any DBSS in the East and Central part of Singapore that will meet its MOP next year? Appreciate your kind advice, thank you.

RWS chases high rollers to court over gambling debts Following in MBS's footsteps, it is suing 5 men over debts totalling $8.5m By GRACE LEONG (SINGAPORE) First it was Marina Bay Sands (MBS). Now, Resorts World Sentosa (RWS) has turned to Singapore's High Court in its efforts to pursue gambling debt collections against local and international high rollers. In its first-ever legal salvo against defaulting casino gamblers in Singapore, Resorts World at Sentosa Pte Ltd on Monday brought five lawsuits against three Malaysians, one Hong Kong SAR resident and one Singaporean to collect nearly $8.5 million in unpaid gambling debts. This comes several months after MBS stepped up debt collection efforts with a slew of seven lawsuits filed in the High Court against several premium players at its Paiza Club to recover $7.89 million in alleged unpaid gambling debt. That's in addition to its ongoing lawsuit against Lester Ong Boon Lin, subject of the first gambling debt collection case here. According to court papers filed by Straits Law Practice LLC on behalf of Resorts World at Sentosa, Malaysians Wong Kah Hin, Chong Kim Foo and Chu Kong Ming are accused of defaulting on $2.95 million, $1.4 million and $480,546 in gambling debts respectively. Mr Wong, according to one suit, had applied for a $3 million credit line on April 29, 2010. On Nov 27, 2010, he was issued $3 million worth of casino chips, which he gambled. After a $47,520 discount for commission was offset against his credit line, he still owed RWS $2.95 million. RWS took legal action after two cheques he gave in the amounts of HK$10 million and HK$8.31 million (being the equivalent sum of $2.95 million) bounced, and he allegedly failed to respond to requests to make payment. In another case, Mr Chong was issued a $1 million credit line on July 25, 2010, which was increased to $2 million on Aug 11, 2010. On Aug 21, 2010, his credit line was increased by $500,000, and on Oct 13, 2010, by another $500,000. As at Oct 13, 2010, he had gambled $1.43 million. After a $26,432 discount for commission and his deposit with RWS was offset against his credit line, he still owed $1.4 million. RWS filed suit after he failed to respond to its letters of demand. In Mr Chu's case, he was issued $500,000 in casino chips on Feb 6 last year. After a $11,352 discount for commission and his deposit with RWS was offset against his credit line, he still owed $488,648. RWS took action after he paid $8,102 of his debt but allegedly defaulted on the rest. Most casinos globally would prefer to enter into a voluntary payment agreement with the customer, said Jonathan Galaviz, head of global tourism consultancy Galaviz & Co in Las Vegas. 'But it's quite common for casinos that offer credit to engage in legal remedies in instances where default has occurred,' he said. But in taking action against customers, the casino industry must be mindful of its image, he added. In another suit, Hong Kong citizen Leung Moon Chuen was issued $1 million in credit on June 26, 2011, which was increased by another $1 million a month later. On Aug 20, 2011, his credit line was increased to $4 million, of which $3 million was gambled. As at Oct 26, 2011, after a $1.03 million discount for commission and his deposit with RWS was offset against his credit line, he still owed $1.97 million. Singaporean Phuah Hock Guan alias Phuan Hock Guan, a premium player at RWS, allegedly owed RWS $1.68 million in unpaid gambling debts. On April 15, 2010, Mr Phuah was issued a $1 million credit line. As part of a credit agreement, he was required to issue a blank cheque to RWS as security to be applied towards any outstanding debt. On Nov 20, 2010, his credit line was increased to $2 million, which he gambled. As at March 14, 2011, after a $317,642 discount for commission and his deposit with RWS was offset against his credit line, he still owed $1.68 million. RWS took legal action after his cheque bounced, and he failed to respond to requests for payment. Some gaming analysts say RWS's legal move isn't surprising given its management's cautious stance on credit in the face of weakening regional economic growth. For fiscal 2011 ended Dec 31, RWS parent Genting Singapore's bad debt provisions totalled $121.1 million, up 48 per cent from $81.7 million a year ago. The company wrote off $219,000 in net bad debts for the fourth quarter, and about $995,000 for fiscal 2011. But its fourth-quarter receivables and bad debt provisions showed a 'marked improvement', said Tan Hee Teck, president and chief operating officer of Genting Singapore and chief executive of RWS, in a recent earnings call. Genting Singapore reported $20.7 million in bad debt provisions for the fourth quarter, down from $27.8 million a year ago, and from $56.9 million for the third quarter. 'This likely reflects management's decision to tighten its credit policy,' Citi Investment Research said in a Feb 22 report. For the fourth quarter, RWS reported $398.8 million in Ebitda (earnings before interest, tax, depreciation and amortisation) and Ebitda margin of 52 per cent. That's up from $384.7 million a year ago, and from $375.5 million in the third quarter.

He's on the run from assault charges in Singapore and his whereabouts are not known. But Robert Stephen Dahlberg, 35, a New Zealander, wants to compensate one of the victims of the Suntec City brawl in April 2010. His lawyer has written to the police about the offer. Dahlberg, an options broker, is offering $20,000 to Mr Paul Louis Liew Kai Ming, 27, who was warded at Singapore General Hospital after the attack. When contacted by The New Paper yesterday, Mr Liew said he does not want the money. The second-year law student in Australia said: "I choose not to accept the compensation because I want him to return to Singapore to face his mistakes. "Because of the severity of his violence, I know his charges cannot be compounded but he can use it in his mitigation and ask for a lighter sentence. "As long as it may have an effect on the justice process, I will not do it. All this is very distressing." The police e-mailed Mr Liew on March 6 to inform him of the compensation offer. Dahlberg's lawyer, Mr Sunil Sudheesan, could not be reached for comment. TNP understands that Mr Liew has been diagnosed with post-traumatic stress disorder and sees a psychiatrist once a month. http://www.asiaone.com/News/Latest%2BNews/...310-332702.html [thumbsup]

I have one question:- SAF is using a kind of armoured+tracked tank-lookalike veh but the gun is small calibre ie maybe about 75mm, isn't such a "large" veh with small arm a waste of money while it's killing power is small yet as a target is too big for enemy to miss?

I have one question:- SAF is using a kind of armoured+tracked tank-lookalike veh but the gun is small calibre ie maybe about 75mm, isn't such a "large" veh with small arm a waste of money while it's killing power is small yet as a target is too big for enemy to miss?

I have one question:- SAF is using a kind of armoured+tracked tank-lookalike veh but the gun is small calibre ie maybe about 75mm, isn't such a "large" veh with small arm a waste of money while it's killing power is small yet as a target is too big for enemy to miss?

http://www.sgcarmart.com/used_cars/info.ph...970&DL=2033 Price $364,900 Road Tax $3,948 / year Transmission Auto Engine Cap 3,999 cc Reg Date 07-Sep-2012 Use for 6 months can still retain original price?

These foreign workers really pai tan... :o They really deserve every single cent they are paid & much more for taking on this type of high-risk jobs. From the photo, there were no lifeline nor safety harness for them who were all working at height on a slippery facade and faced unpredictable deluge of heavy rain. Effectively both their work condition and position controvened the Workplace Safety and Health Act (WSHA). From STOMP: http://singaporeseen.stomp.com.sg/stomp/sg...up_falling.html Posted on 03 Feb 2012 One false step, and these workers could fall off wet ledge at Changi Airport STOMPer Hoe spotted these foreign workers on a narrow ledge some 10m above the ground at Changi Airport, following a rainy spell. He wrote: "This group of foreign workers were seen working dangerously on a ledge at Changi Airport. "The ledge was wet after rain and was at least 10m high. "Aren't these workers covered under the Workplace Safety Act too? "Who would answer if they were to fall?"

Here in SGP? In a more 'realistic' way, would you encourage / prevent your next generation staying/migrating if they are given the choice?

my driving licence suspended need a part time driver to send me to work and back from work total 4hrs work per day. 5day week. No need to work on weekends. MUST BE PUNCTUAL and clean driving record. morning 7am to 9am and evening 7pm to 9pm. Will pay OT if have to make additional trips pay is fair market rate PM me for interview and discuss details

if i scap, still got to top up 10k... hahaha guess i drive all the way 10 year lah better

Don't think NTUC has them. Have not seen any at Carrefour either. Please help. Thanks. For Pee Sai and my deep deep lover... I'm refering to the actual shellfish and not the salty fish found between a woman's thighs

http://www.facebook.com/photo.php?v=319581761399772 Prease ar prease... http://forums.hardwarezone.com.sg/eat-drin...bf-3523942.html