Friday, September 30, 2005

"saving for retirement"

1.begin saving as early as possible...

2.create a retirement plan...

3.get the most out of your CPF...

4.take advantage of other savings plans...

5.invest wisely...

6.take a retirement job...

7.be flexible in your savings plans...

8.monitor your progress

9.plan an exit strategy

Thursday, September 29, 2005

"pricey!"





Launching this month in Maldives, Rania is a brand-new resort concept, encompassing yacht travel, a private island retreat and a luxury spa, all available to only one group of guests at a time (groups consist of nine people maximum). Unlimited spa treatments, diving, alcohol (excluding champagne and specialty wine), ? la carte dining at the resort's two restaurants, sport fishing, snorkeling and water sports and three hours of sailing a day are included in the nightly rate, which starts at $10,000 per couple from Dec. 20 through Jan. 5, with an extra charge of $750 per additional guest. A minimum three-night booking is required. Through April 30, 2006, the all-inclusive nightly rate is $8,000 per couple, with additional guests at $500 per person, per night. A three-night minimum is required.

High-Season Rates
Australian dollars: 13,000
Canadian dollars: 11,705
Euros: 8,214
Pounds: 5,541
Rupees: 438,449
Singapore dollars: 16,812

all these details are taken from Forbes.com

well, the day i travel to this place for a break, i gotta well be a super rich guy to do that!
"carpet bombing"

like the americans, who trusted their carpet bombing methods in vietnam, here too in singapore we started one... that is to wipe out the terrible aedes mosquitoes... blocks of areas are repeatedly fogged with pesticide to wipe out these pesky creatures

12th death today, a small number in such a case, but uneventful deaths and unnecessary deaths...

these cheeky little 'bas' 'tards' actually should say 'bitches' since only the ladies suck blood... then spread the dengue around, how coolz can that get? they do not realise the consequences!

lets hope either we stop them in their tracks, or try training some deadly assasins to take them out... =p

Wednesday, September 28, 2005

"where's our blogger's rights?"

front page news yes-today...

students got suspended for blogging remarks deemed unsatisfactory by their teachers and vice-principal...

some more, recently the schools started promoting blogging championships manz... how ironic?

well if you dun like someone, and you like to blog it down to let the world see, why cannot? does it harm you in any way... ok lets not bring any psychoanalysis into this as a factor...crapz hell with it... what mental or emotional breakdown on the "educator's" part... aren't they using their so-called authority to give the students a mental or emotional breakdown by not letting them blog? and to blog in a free and democratic manner?

oh come on all these crapz have been going on for so long, why take out on our bloggers?

the well known bloggers have been at it for years...starting as early as 2003 or even earlier... even myself started in 2002... pioneers to be exact...why and why only now do the news start picking on bloggin? why do people make a big fuss over bloggin? and why are we restricted?

blogging have been around for most part of the internet lifespan...geocities, hosted sites, manz the list was long...not until recently, new blogging tools helped shaped our craze for it...

i guess, its all about being harmonious...we give some we take some... take for example, the racist bloggers... man those dudes should be "hanged". oh come on if you hate people of a different race so much, go find yourself a new planet! we've got the moon and mars unoccupied...

and young"sters" please refrain from making too much remarks over whom you dislike or like...maybe in the new future we see things like "student expresses love for teacher over her blog".... ahahaha

well the "oldies" we're not above the law either i suppose, so alittle restrain might be good sometimes...but what the heck! we just love the way we're writing!
"Income Tax"

Singapore's income taxation is one of the lowest in the world, ok this is despite claims of, we're one of the lowest paid in the world...

well come 2006, those who earns up to $20,000 dun have to be taxed. the next $10,000 is taxed at 3.75% then the next $10,000 5.75%, then the next $40,000at 8.75%, then the next $80,000 at 14.5%, the the next $160,000 at 18% and finally anyone earning above $320,000 at 21%...

so we range from a mere 3.75% to 21% for individual income tax...
and our gst is at 5%

now lets stack this against other well known countries, that we often so like to emigrate to...

australia's tax ranges from 17% to 47% gst at 10%,

china's from 5% to 45% gst at 17%,

france's from 10% to 48% gst at 19.6%,

germany's from 15% to 42% gst at 16%,

hong kong's from 16% to 20%,

malaysia's from 1% to 28% gst at 5%,

japan's from 10% to 37%,

taiwan's from 6% to 40% gst at 5%,

USA's from 0% to 35%,

UK's from 0% to 40% gst at 17.5%....

how that sounds? weird ain't it... i mean, if you wanna see the breakdown of whom they tax, i tell you some of these countries will sound so ridiculous...even the lowest rungs who earn less than $10,000 gotta pay taxes...some joke

maybe its just a one sided affair...i didnt mention the salary over here... but i'm sure our salary is quite good

Tuesday, September 27, 2005

"smoking"

there's a buzz going on that here in Sg, the smokers are going to get their cold turkey in like 10 years time...thats if legislation will allow the ban of cigarettes...at least the sale of it =)

imagine a smoke free environment... woo hoo... =)

ok my 2 cents tots on this is... we can do it...

my logic behind this is simple, at $11/- bucks a week for a big packet of ciggies, thats going to cost you a huge $570 bucks or more...thats an average price and cost i remind everyone...

with that amount of money you could do quite a few bits of things thats going to make you enjoy your life alot better... ok dun mind me saying... i know smoking is some sort of enjoyment for smokers...but hey only you enjoy..the rest of us dun... so let's face it... thats a hefty price to pay a year...

all the programmes to help educate the masses that smoking is bad is not really helping at all...we need to push it further

i still see kids as young as 13 to 17 smoking along the pavements of back alleys to even more open spots in front of 7 Eleven stores...how they got their ciggies? older irresponsible youths age 18 and above buying for them? sounds interesting...

smoking is seen as cool and sociable, something the companies had put in great effort to advertise... ok you guys better not come suing me for this..hahaha

i think their marketing efforts are paying off =)

good effort i say, helping the young continue to smoke at an early age, they will probably love it to death...

ok lets see the list of things that is associated with smoking, its all just my listing no harm at all, lung cancer? throat cancer? tongue cancer? impotency? block arteries? brain cancer? damage to pregnancy chances? oh i could go on... just a few to list...

ok nuth said...

---------------------
scenario 1

now imagine if our great country is to go ahead with it... what's the cost? i think the country will benefit more...

ok fictional part... smoking is outlawed at public places and shelters, air-conditioned places, only 10% to 20% of pub and club spaces are smoking allocated places, smoking only allowed at designated yellow points with huge air-vents above slowly sucking the toxic smoke away to be blown upwards and away from pple, sale of ciggies is forbidden, and the only place you can buy ciggies is from the airport at one small box each time...

lost of income for the govt revenue? i doubt so, if everyone wanted to smoke so much then they just gotta head to the airport get a airticket at $500 bucks and buy a box at $20 to $30 bucks through the duty free shops...

no sale will be made at the budget airline areas though, so dun try to pull off any stuns...

go across the causeway they say, no way i say, you're restricted too, at 1 small box, any more and you'll be fined a $1,000 bucks and any ciggies you've confiscated...

so if on average $570 bucks is spent on ciggies, its no harm at all in imposing such strict rules...

well its not banning of smoking ciggies, its just banning the sale of ciggies...

---------------------

scenario 2

govt imposes heavy taxes on the ciggies...pushing prices to around $20 to $30 bucks a box... now, that will surely burn the pockets of all the smokers...thats like 2 fold increase of prices...

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so smokers, good luck to you all, non-smokers good luck to us all too... in this never ending debate of smoking, whether is it good or bad, healthy or not healthy, neither will win or lose...

its our choice to make, and if you know what's good for you, what you like to do, just do it... just make sure you know the CONSEQUENCES and dun REGRET

Monday, September 26, 2005

"exercise regime"

started my total body work out nearly 3 wks ago...now i'm feeling alot healthier

3 months from now i hope the new year will be different for me =)

jogging got started but kinda irregular thanks to the unpredictable weather... thought of heading to the gym for the tread-mail, but decided to give it a skip for more down to earth regular training

climbing up and down the 16 stories, flights of stairs is one small step for me to gain fitness levels... injuries might be more frequent on this regime...but easy does it will do...

regular sit-ups are a pain in the ass...so keeping to crunches at 3 sets of 20 during morning, noon and evenings... regular push-ups are subsituted with assisted ones a.k.a female push-ups to give toning to the upper body at minimum risks for now... same number of sets and reps at those same intervals...

well thats about it for now until end of the month... where the real works being...for now, everything seems to be paying off... feeling alot sharper, fitness levels are higher, body is feeling alot more better overall...

from october onwards should be a exciting one for me too... well wanna get fit and toned...before the year turns 2006 =)
"why the rich get richer, and the poor just gets poorer..."

imagine... how the banks charges you for every savings account that don't have the minimum of $500/- bucks or even $1,000/-, at $2/- per month

now imagine every month, you've got at least 200,000 people who are of the lowest rung in our society footing this $2/-

thats $400,000/- earned by the banks...per month, or roughly translated to $4.8 Million Bucks a year...

now imagine... how the banks gives 2% on average interest to wealthy customers for fixed deposits up to a cool 1 MILLION bucks! an annum...

and thats roughly at least $20,000 per annum earned... well thats the basics at least...not counting the daily interest they may earn... =(

and if our society got a thousand millionaires who put such a sum aside... the banks gotta pay them? a cool $20 Million...

now now...where do you think our banks gets its money to pay them?

so while the poor are losing $4.8 million a year... the rich are just getting richer $20 Million a year... now does it makes simple sense?

we gotta break down these absurd rules...if not we're never going to help the poor...

how many more generations of children must they suffer? how many more countless lives lost before we step out to help those who are needy? i myself dun have any clue...

i guess if the rich are willing to lend a hand to everyone who is needy, helpless, homeless... then only then we will move forward as a truly humane and human society =)

p.s. show us the money!
"let's drink!"

my current fav. beer that is available in our free world!

erdinger dark

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"let me get wasted on it....let my life revolve around it...let it thrash the hell shit out of me!"

Sunday, September 25, 2005

"dysfunctional family"

my life is being controlled so tightly, i'm beginning to feel the restraints that i once thought it didnt exist...

why are my parents, the older they become the more unrealistic, impractical, unreasonable and sometime uncontrollable?

will i become like them? most likely the answer lies in my genes... like being stubborn, being proud and 'must have face' kind of attitude, alittle paranoid, hot-tempered, mostly the unwanted stuff... and damn shit i hate this!

they are starting to control every aspect of your lives...as though i'm the living puppet... 'ok u must do this... you must do that'

i say heck shit! i dun deserve being treated like some freakin doll with a pretty face...

oh yes oh yes....

when i was younger, they say cannot 'pak tor' otherwise known as get a gf... ok fine... now that i'm older... they say 'hey you can start dating, its fine with us...' oh crapz...now then you say this...alittle bit too late too slow...all the whole way is already dating, you're left behind and probably all the good gals are paired up with the good guys and vice versa... so how good an advantage i have...

they say, it takes time to know someone... yeah right... it sure does...how you going to do that? when half the time you're going to be working at the office making ends meet... probably tired out to do anything by the evening... and the weekends are probably used to rest and for family days...so what time and chance do i stand? go to hell i say!

i know i know i got all the grounds covered...some will say...i just gotta make time... duh...who dunno, you think i god or what?! if i can create time i won't be here... its all about planning? yes i know... but you need time to plan huh? ok so what i dun have the whole thing covered...

i'm sticking to being how i'm now...the way i like it... no strings attached no commitment to no one...just myself...

i think i'm better off travelling off to some other country to learn stuff than to stay in singapore and listen to all these crapz...all the lies and deceit are hurting my ears... i've since long forgotten when i started to listen thru' one ear and out the other...

it's a matter of time before i break out from this circle... the circle i once called family and home

Friday, September 23, 2005

"profiling page up soon!!"

thought i did something extra... just to brush up on some bloggin skills if there is any?!?!

Just click here to go to my new profile page which will be up soon...

well if anyone got some ideas to what i should include, just drop a message or buzz me lol
... =)

Thursday, September 22, 2005

"future holiday destination"

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yupz my holiday destination for the future... i'm so going to pamper myself... heck care about rome now...forget it... now just have to wait for something special to happen...

Wednesday, September 21, 2005

"just a little longer"

Just a minute longer.
Just a little closer.
I would get to know you,
A little bit better.

I wonder what you think about.
Do you think about me?




Monday, September 19, 2005

"my destiny"

ever wondered what is your true destiny? its like something you never seem to be able to predict or understand.

i am wondering where my destiny lies... is it in the mountainous regions of the swiss alps or the burning sweltering heat of the sahara desert... or maybe the perilous depths of the jungle rainforest... but then again...i guess it lies in the heart of an urban jungle...

its something i always wondered... 20 years, 30 years even 40 to 50 years down the road... where do i stand in this society. how can i better contribute to the society... but really does it really help? i'm not too sure how much i can make my own country a better place.. but i really hope i can contribute one day...

its good to know much have been done to improve our standard of living...much have been done to improve and somewhat change our way of life...but nevertheless here i'm stuck, neither academically inclined nor skilled in any asethetic or atheletic abilities...

rather i'm the half breed... the common boy... the common man... the in-between... i'll be dutifully paying my taxes to play my part in country building... working half my life accumulating an asset that will get by the later parts of my retired life... helping the needy and the unjust whenever i can contribute... but thats about it... there will be no glamour nor glitz in my life...

i won't be strutting down the red carpet anytime with my partner... i won't be getting the best rides in my life... i won't be mingling with the socialites and rich...

yet i'm satisfied with my life now...its neither here nor there... its in between... living the way of life i should be =)

maybe all these are just how deep the rabbit hole for me goes...the red pill or the blue pill now?

Saturday, September 17, 2005

"the name's slacko"

well using some english accented way of putting that title into action really sums up my day...

woke up at 10"nish" started recovering my old old old laptop...did away the old stuff in there and rebooted the whole thing... well now it's working faster and alot sleeker... =)

finally got the time to do some sourcing for new digital camera... maybe i can use it for my trips...thats if i get it in time...hahahaha

did some studying and browsing of my books lying in my room... didnt really do much...

did a couple of cat napz... and now i'm feeling like garfield...fat, lazy, intelligent =p and crappy hahaha

manzzz.... i really feel like a slacko today

Friday, September 16, 2005

"drop dead gorgeous..."

had a busy day and boy...the trip to the uni was good...had a good look at the campus site... but kinda dissappointed by it... played badminton for 3 hrs straight...now my right hand feels like a wooden stick...my legs...no need to say...feel likes bloody jelly fish...crapz...

right after that went home to rest before meeting up with alicia to visit our dear geri... but that gal must arrange to meet earlier...darn...i was half way up my bed to sleep liaoz...visit "tin gong" to yum cha... but alas...i still got dragged away from it... no choice...who ask alicia come pick me up...wahahahaha =p

geri is fine for those who knows what happen...but those who dunno...dun ask me i not telling...muahaha...

after that had a hearty meal at newton circus...eat like a pig...wahaha ok lah not bad...then the phone call from chris came... (it was on alicia's phone..) i dunno on speaker mode liaoz...so i talk to him like how we normally would lah...then she must laugh, ahaha i really uncle lah...then realising it...i hold in a weird posture still... coz i scared cannot hear mah...then more laughter

ok head out to a pub called "crazy elephant" got some great beer to chill out... well talk crapz all the way till it was time to leave...coz i really cannot tahan liaoz...so sleepy...my eyes closing...must be the good food n drinks we had lah..

end up reaching home..clearing my stuff... i started watching movies...haha quite contrary to what i should be doing---> SLEEP!

well now i'm here writing all these things i've done today with great companies...from my buddies at the badminton game... to "auntie" alicia lah for bringing me out to eat like a pig always

ok time to snooze...zzzzzzzz but hey its one heck of a drop dead gorgeous day...not to mention the company i had.. =p

Thursday, September 15, 2005

"perfect day"

started off well, preparing to head out and luck wasn't really on my side...miss the bus...then the train...darnz!...was kinda rushing for time but things dun turn out well...

reached at my destination... talked to her... learnt more about her... taught her how to ice-skate...something i have never taught anyone else... something i with-held for a long long time now... hahaha sounds like i just came out of the mountain...bleh =p (dun see me uncle uncle or small boy...i can be very adaptive and well-versed in a lot of things)

my very first student hahaha.... kinda got her accomplished how to stand on ice and move forward...despite the falls...well its a good start... =)

the "perfect-ness" comes from the fact i'm reaching out to teach...slowly but surely... imparting something you know to someone else is a refreshing and somewhat rewarding aspect...

Wednesday, September 14, 2005

"missing"

well this entry goes out to my long time buddies... for whom i've known for the large part of my life... its been wonderful and the journey fruitful...

think of the time, those young and early days, how have we changed along the way... wows!

well the list is long.. it will never end if i wrote them down here

Tuesday, September 13, 2005

"francais"

avec plaisir je l'emploi francais ecrire une lettre le blog...

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okok i practising my french...for no reasons... lol

try guessing what it means... =)

time to rest more books to hit tomorrow... oh greats...

Saturday, September 10, 2005

"of numbers and digits,
of spiders and aedes"

up up down down...minus minus plus plus....bleh...the stock exchange is one weird place...well had a good experience learning about it though

ok was really pissed off these few days but then kinda got sick and the worse thing is, the area's getting dengue cases all over...a few reported cases here in the estate...but what's scary about it is ...at least 20 to 30 cases around my area alone already! crazy i tell you...

was using my comp last nite and happen to see a spider crawling up the wall near my speakers... wanted to smack it into oblivion.. just like how garfield would always do...but this time round i decided not to...maybe they have a good role to play against the deadly aedes mosquitoes...well i guess the spidey was kinda grateful as its scrambled up the really old looking wall of mine...

hey maybe it might spawn another few hundreds replicas to eat up those bugs? hopefully its a female though, maybe it can name a couple of them after me =p

Friday, September 09, 2005

"diagnosis"

not too sure what it is, but at the rate i'm going... will end up in the hospital...better see the doctors again... =(

ok besides the close brush with death here are some cool pics of friends...

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this was taken after our hearty meal, also part of my farewell to gippy land at the start of the year...(from left; yen yen, stacey, samantha, me, samson, zyan, thomas and yan chyuan.)

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this was taken during samson's birthday last year wow and that was a huge turnout... =)

Thursday, September 08, 2005

"dengue feverish!!"

according to the ministry of health...bleh...here's some background info on this deadly assassin!

Dengue fever is characterized by the sudden onset of fever, (which can last up to 7 days) and is accompanied by intense headache, body aches, joint pains, loss of appetite, nausea, vomiting and the development of skin rashes. A blood test will often show low platelets.

Dengue haemorrhagic fever presents similarly to Dengue fever but is associated with more severe bleeding problems (e.g. gum bleeding, nose bleeding and bleeding into the skin and internal organs) along with evidence of plasma leakage.

There is NO specific treatment for Dengue or Dengue Haemorrhagic fever. However, supportive care with intravenous fluids and frequent blood test monitoring reduces complications of the disease. In severe cases, blood transfusions may be required.

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this is the photo spec of the deadly assassin! do not harbour any of them in your homes... they take no prisoners!

Monday, September 05, 2005

"memories continued"

got out a few special pics which i found... hehe and edited it ali'bit haha great and funny moments captured on camera!

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shelvin in a striking pose... sexy lah...while the rest of us try to do a totem thingy -_-!! which failed badly haha


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dunno why zyan so grouchy?....must be ah sam lah =P

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look carefully at the printed words on that shirt... =) well guys like us have too much to give anyway...haha just kidding (wonder what is zyan thinking?) this rates as one of the funniest subtle pics i have in collection

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well he sure got what he wanted, thats why so satisfied lah! hahaha