Phantom

oh well.. seems like no show liao..

can try olam bonds... 1 year bond.. yield to maturity have abt 3.1%p.a.

wah... nice.. mouth watering

ha ha ha ha... you guys have been busy while i was away.. lol.. whats the update.. i had things to attend to.. so couldn't really spend the time to post..

yup.. you are right.

of course i know lah. wah lao. lol..

thats what i thought she would guess... lol.. mandy.. eh cheesegirl.. u don't ah chee ah chor ok.. its ME see u until zzzz.. u msn also put ur own picture... WAHAHAHAH

Personally I've advised a couple of my clients who were asking me about buying into the property market to hang on since 3 months ago. I've realized from my agent friends and the overall market sentiment since last 3 months, movements have slowed down considerably. At the same time, burgeoning news on the US subprime market is creating jitters in the markets. This in term could affect other sectors. On the other hand, while this could be a short term to mid term issue, we can't rule out that the subprime markets which only account for 9% of mortgage debt in US to be a trigger for other events to happen. Especially since the market can't put a price on CDO's debt obligations which the underlying are subprime debt and this is a can of worms slowly finding its way to the surface. Ironically, we see REITS affected quite badly with global reits and regional reits falling up to 20% in the last 4 months and they shouldn't have because the lease agreements are typically long term and locked in, I believe that market is repricing right now. Since 2 months ago, I've checked with an agent friend on one particular property in district 9 whcih looked like a good buy for the client, wierdly, there were more than 10 units in the same area for sale. My gut instinct is something isn't very right. same unit today is selling for 100psf lesser. Liquidity issues are edging from big conglomerates down to the everyday consumer. I personally feel that alot of properties were selling at a future price since late last year. Today's price should be at least 10% cheaper.. then again thats my view. Whether this issue becomes a global crisis remains very much to be seen.

Fifi don't say so much.. come come join in on the outing.. lol.. eh how come devilaz no noise huh?

yeah girl .. your name is Kxxxx! hiak hiak.. and cheesefirl is Mxxxx! yup yup.. i have your number...

lol.. private lah.. wa lao.. u don't like that leh. i know ur name u know my name.. lol..

i try lah.. but then u don't faint hor.. lol.. wah lao.. the joke very cold leh.. brrr... -> "apple pie" aiyah.. that one easily solved lah.. we sms each other our real names lah.. lol... wah lao.. sure ppl will know.. this ppl so old still irc or something.. ha ha ha..

lol.... cheesecake also coming liao lor.. come la ..

We could go to makan.. then adjourn to a pub that has singing? lol.. then those who wanna sing can sing.. if not can drink and chit chat..

The fake buddha tooth temple?

Don't let what other ppl say sway you. Its water under the bridge now, just hang tight and wait to move in. lol. Congratulations on getting your new place.

LOL.. Devilaz means that he is also interested? ha ha.. then how leh.. whats the consensus.. sign up quite weak leh..

Put a clause that if the company decides to terminate the employee due to unsatisfactory work attitude / performance, the employee is also liable to pay the bond. Explain the rationale to the employees and they should understand that.

I second what therat has mentioned, if you didn't think its reasonable, you wouldn't have bought it right? As long as you like the place, thats all that is important.

think your house is going to be lovely!

lol... storeberry mei mei... my suggestion is no excuse one.. lol.. save you the trouble.. save enci the trouble of ebanking and other excuses... just drop in a cheque nia.. oh well.. you are right at least, this 4 dollar even if given back, donate better..

Hmm... quite true.. kbox buffet spread looks a possible option.

i thought i gave a very good suggestion.. dropping off a cheque.. storeberry mei-mei.. sorry hor.. if a person don't wanna pay.. you go to his house also no use..

Sounds good. 1) Buffet + Movie 2) Buffet + Chillout 3) Buffet Only really? then again.. KBOX like newer and more comfy.. lol.. partyworld gives me the nightclub feeling.. lol.. which buffet at marina square? Aiya.. if we all can sing so well.. can go become singer liao.. no need to work.

Are we going to makan early dinner then head down to KBOX? Anyone know the prices for KBOX per person on Sat? I think could be pricey leh.. then again its the only place i know that has a BIG BIG room. We can hold our own Renotalk Idol. lol...