Phantom

i think you'll like my mahjong set.. lol.. all green.. really like jade..

Leveraging on low Cost of Funds to invest elsewhere to get a nett gain of return is a financially savvy move. In some ways I find it similar to arbitraging. Having said that, there will be people who 1) lost money as they took more risks 2) are adverse to the idea of paying interest on a loan even if the nett rate of return can be assured. Generally I agree on leveraging and what another forum member has said on good debt and bad debt. One example. 1.5m SGD property can be fully paid but a loan of 66% is taken. meaning the COF for the 1m SGD free cash is between 2%p.a. to 3%p.a. as long as an annualized gain of above 4%p.a. is achieved, it makes more sense in the longer run. 1) Interest charged on mortgage is daily rest and reducing. Lesssor interest is charged as the years go by. 2) Gains on free cash are compounded and increasing.

very naughty at home.. lol..

lol.. i let u know u on anot? .. lol.. planning to watch with a buddy of mine who is a red devil's fan.. in fact if my other colleague also join in.. then together it will be 3 devils fans and 1 chelsea fan.. lol...

lol.. if we are coming we will bring baileys along.. lol.. hopefully he wont' be naughty.

thanks for the invite... lol.. didn't realize until someone sms me.. kekeke.. i'll need to check with my wifey.. she going overseas tomorrow and back on following monday. anything.. get cantona to sms me.. lol.. eh.. cantona.. wanna watch man utd vs Chelsea boh? kekeke..

Princess Hour.. Nice mah.. can't afford the real thing.. but if too ex.. i'll but the real one.. lol.. europe so much cheaper than singapore. and they say they got inflation problems in europe.. irony.

Maybe i change. I want LV wallet can??

Baileys don't like yogi pee tray.. i bought one.. then sold it off 1 week later. lol lol.. yeah.. not cheap.. wife got 2 the last round.. sigh. got LV teddy bear meh?

of course I scared lah... i very poor one leh. lol... teddy bears lor.. from those drama serial.. heh heh..

Why you like that one? lol.. say abit make me shiok u also wanna suspect.. wah lao eh. your blade **** sharp lor.. heh heh heh.. you never realize why i seldom come in liao? .. lol.. scared of you all .. long time never see you around..

Hi Pretty.. got morning sickness boh? lol

I'm not the resident technician wor.

Hi gals..

WAH.. i treat.. then i don't go liao.. you gals enjoy yourselves.. lol.

I'm just saying that Kat house no tv.. so nothing to do mah.. lol.. that's why always got "preggie" symptoms.. lol and who treating dinner!? lol xinyi?

Kat house no TV ah?

Who said anything about browsing internet.. i meant going to the shops.. don't tell me all your LV bags from online buy one? kekeke

No. She just spend enough time browsing at LVMH.. Gucci... Etc.. You can do it too.

1m SGD nia.. not big lah.. i got bigger still.. think of it this way.. i more scared client lose money.. then client scared i lose money..

aiyah.. stocks how to make money now.. lol.. i help him invest in currencies lah.. lol. eh u go and jio jio him lah..

When can you pass me the money? lol. wah! can you ask your boss to put SGD1m with me. if after 6mths he happy with performance then he put more. lol...

When i live alone, I wash using hands, even when my landlord have washing machine.. the collars very difficult to wash by machine.. must use hand then can get rid of the dirt. kaoz if my side charge me 3% p.a. i'll also borrow.. then can roll the money.. lol.. **** it. why am I working in such a lousy place.. pay not good.. no bonus.. no commission and now not much benefits.

WTF... I work in a bank.. also don't have such good schemes to loan money.. kaoz.. and don't say MY company no money....

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