Phantom

wah seh.. so exciting I also wanna find kakis.. maybe i list down my house rule first ahem.. House Rules Minimum (番)Fan - 1 Maximum (番)Fan - 5 自摸 - Nothing Extra Animal 咬 - Nothing Extra 門清 - Nothing Extra 獨聽 - Nothing Extra 搶槓(明槓) - 加 1 (番)Fan (Note : 暗槓 can 搶 for 十三么) 花上自摸 - 加 1 (番)Fan 槓上自摸 - 加 1 (番)Fan 天胡 - MAX (番)Fan (Note : 雞胡 ji hu also can 胡) 地胡 - MAX (番)Fan (Note : 雞胡 ji hu also can 胡) 字一色 - MAX (番)Fan 平胡 - 4 (番)Fan 清一色 - 4 (番)Fan 混一色 - 2 (番)Fan 對對胡 - 2 (番)Fan * 小三元 / 大三元 / 小四喜 / 大四喜 : 要吃出 ** 七对子 is not a legal play. Rates 1 (番)Fan $1 / $2 2 (番)Fan $2 / $4 3 (番)Fan $4 / $8 4 (番)Fan $8 / $16 5 (番)Fan $16 / $32

我的手 also very itchy...

Thank you Thank you. Eh I'm going to post something in the mahjong thread. u go take a look later.

wah seh.. must announce until like that ah?? ha ha.. thank you ! ha ha ha ha. ok .. i buy more ziploc for you. thankyou thank you.

Fifi. u come over still want me to provide tupperware to taopao food home? I provide u ziploc buay pai liao.. heh heh

lol.. as long as AIR don't finish everything lor.. if not then no choice. heh heh.. oh i just realized taka voucher can use at cartier.. coach.. maybe if my vouchers cannot sell.. i'll just go shopping. lol

you guys really so free.. lol.. hey kat.. i'm ok.. dun worry.. can come come.. canot come also ok.. we'll show u and diva pictures!

bro, of course la. u won't beat this. markets sure go down in world cup.. coz productivity down.. everyone on watching soccer. eh bro.. find somewhere else to continue. off topic.. tio

points answered by waileong.

lol not alot of ppl are bullish on dollar my friend. you've just found another kaki. lol..

Question #1: Therefore will writing a Will be effective to let the wife inherit the fully paid HDB even when her name not included as owner? that should be correct. hdb would also be part of the estate. as mentioned, CPF monies are under nomination. but if no nomination is done. it will be accrued as estate also. Question #2: What is the market rate for lawyer fees to write a simple Will? the recommended bar "price" for a will is around $180. depending on lawyers. a typical will can range around $150 to even $500 or even alot more due to the complexity of the will and different conditions and clauses. tenancy-in-common is extremely touchy when large families are involved and when the designated ppl to receive the inheritance is deceased/mia/uncontactble. thats one of the reasons why some old houses are abandanoned but yet can't be sold. As usual. always check with your lawyer.

lol... buy me Kopi over weekend.. kekeke. LOL. Risk aversion. Everything is on the down since start of the year. Except gold. But its diffferent for us and ppl like george soros and jim rogers. those ppl trade derivatives off the market. they long/short the market. never good to listen too much.. always base your investments on long term fundamentals. emerging europe has good political stability cept for the turkish borders. inflation is pretty much contained. huge oil reserves and commodities around the eastern european bloc.

KAT you not coming anot for my CNY invite? den i give ur maggie mee coupon to AIR hor..

lol not guru. i'm not bullish on asia equities as much as others though.. lol.. SG will still do reasonable well for the next 1-3years. but i won't expect anything more than 10% returns p.a. that will be a bonus. coz SG does rely quite a bit on US growth. just to explain my take on asian equity. Indonesia and Korea run up is really quite a lot. Thailand and Philipines political stability is really questionable. Malaysia's growth is doubtful to be sustainable in longer run. unfortunately latin america unit trust don't allow for CPF.. lol I'd go for BRIC / Emerging Europe . . . For China, as long as its H-shares, I'm ok, infact i'm pretty bullish on H-shares on the mid to long term. The PE gap between A/B and H shares are really big.

I would go for a different set of opinions. lol.. just to mix in with the rest abit. 1) what you invest in depends on your beliefs and your risk appetite. 2) similarly how much to set aside depends on your comfort level. I would look at setting aside 1year worth of housing loan contribution towards the house. reason because if both couple are working and one stops work, assuming a 50% - 50% contribution to the loan, your funds can last up to 2 years. In a marriage, such financial planning is prudent because in alot of marriages, financial issues are almost the 1st thing that cause tensions. if one person cannot find a job within 6mths, then something is very wrong, no matter how bad the market is, there are jobs available it just depends on whether ppl want to work for the kind of pay or job scope. 2) investing into a diversifed portfolio of investments e.g. unit trust would help even a novice in getting started. benefits are that because its a diversified investment, e.g. global balanced fund investing into both bonds and equities, in most economic situations, you'll hardly see huge drawdowns. which is important if ppl are concerned abt liquidating their funds in case of emergencies within a short period of time. 3) tenure for the loan in my opinon would be to take the longest period available. you can shorten the loan anytime but you cannot lengthen the loan. take the longest available tenure first then decide on your options the following year. you can also make pre payments to cut down the loan size. the vital crux abt a longer term loan is, do your sums. for a person who can afford a 20year loan and another who invests every month and compound the return by 7% p.a. I prefer the latter scenario but thats also because i have extra savings from CPF every month after the housing loan is paid. investing through Finatiq/fundsupermart would ensure you get lower salescharges instead of via banks. at the same time read up plenty on the funds available. being in the industry i can say that alot of those financial ppl in who claim to be consultants hardly know their 2+2. having an understanding will ensure you don't get hoodwinked into an investment. its hard earned money, CPF or not. Cheers! Ka Ka loot Emerging Markets. Confirm you'll be smiling all the way after you come out of CPF board at retirement age.

triangle rule not FS. lol its abt how kitchens should be designed to maximize space and ease of "using" the kitchen. lol what themes have you decided to reno your place??

I actually agree with Xinyi, the album can be designed much better.. maybe becoz we share similar tastes.. so i can understand her fustrations.

if you really do that then u really very kian png. sorry.. i mean kian mee. lol. hoot them left right center.. tell them u premium member leh.. top up so many photos.. lol.. Wah lao eh.. that fifi.. always got photos.. also wanna see..

lol.. phantom house got abalone flavoured maggie mee.. lol.. u think go restaurant ah.. steam prawn and soup..

wahahah.. not bad lor.. 4 dian jin cannot ask my parents to buy.. i also paiseh.. lol.. xinyi.. i intend to do cupcakes leh.. lol.. for xi bing.. kekeke.. my wife friend do very swee. www.creativeparadiz.blogspot.com / teatea.multiply.com

buddha jump over the wall? u think restaurant ah? why cannot order MAC? lol... eh anyone knows if they still have the 10,000 weekly prize going on? eh why don't ask AIR go to your place settle her 3 meals... daily.. i think she stay nearer to you. my house also got alot of flavours.. wanna fight is it? lol my wife also maggie mee siao..

we wanna see the BRIDE !

dun kay kay la.. lol YO! gals.. someone wanted to bring maggie mee for pot luck wor...

ha ha ha.. same one lah.. u go new job.. work hard.. then haven't 3mths on preggie.. then go on maternity leave. got photo meh?