Phantom

no leh.. cannot opt one.. i was carrying the eufoneum (can't even spell the boody instrument.. ha ha ha) then they say baritone lah.. i tell u i can't play for nuts.. only the notes in ascending order.. lol.. singing was always more my thing..

i think the chairs are pretty decent.. prices are ok to pricey in my opinion.. maybe u think that its cheap? lol.. anyway good luck!

ha ha.. i'm a wuss.. i just can't stand carrying such a heavy instrument and marching all day... whether or not i sing well.. the teacher decides that.. ha ha

who's to say i'm not already one?

i was in the school choir and band. had to quit band so i could focus on choir.. i heard that i was the only one in history to quit band for choir. lol.. everyone else did the opposite.

phantom now out of job. lol

lol.. its always like that one lor..

i dun use the lift because i need to walk past this neighbour and its a jungle out there.. at least 5metres of plants.. and there's this smell.. i think from cats... i hope the lift upgrading gets done soon at my block..

The furniture mall at beach road has a shop that sells chairs.. price wise should be cheaper.. they also have those starck lookalike chairs.. gd luck.. its on the 1st floor if i'm not wrong.. just opp the indian convenience store..

Just ask them politely in my humble opinon... no matter what won't hurt to ask.. if they really nasty.. get your ah lao to do it... lol...

lol... my pleasure.

The property "bubble" which has extended to the HDB are mainly due to ppl downgrading from private property.. typically the en-bloc ppl .. cash rich.. sigh..

I bought a sofa from them.. 800 bucks i think... well... value for money loh.. but we don't expect it to last long.. maybe 2 or 3 years we'll change.. now budget. lol..

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Gold is still considered an important reserve asset by most central banks, even though it is no longer the centre of the international financial system. Gold is the only reserve asset that is no-one's liability. This means that, unlike a currency, the value of gold cannot be affected by the economic policies of the issuing country or undermined by inflation in that country. Gold has a track record of holding its real value over the centuries. Since gold is no-one's liability, it can not be repudiated and holding it is a safeguard against potential unforeseen crises. Gold also brings much needed diversity to a central bank portfolio due to its low correlation with key currencies and its strong inverse correlation with the US dollar. Coins and bars Bullion coins and small gold bars, for example, which each contain a minimum of 99.5 % fine gold, are appropriate for private investors wishing to buy small amounts. 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Good points made. Every career has it pros and cons.. I dunno abt DBS but where I am.. work life balance isn't really a focus although they want it to be.. lol..

because the msg was actually for karen77sg... lol...

I can only imagine... there was a period i was working 14hr a day almost every day and that already took quite a toll on the family.. You've made a valid point.. no amount of $$ can buy happiness.

you can take a look at www.pets.com.sg -> forum www.dogsforum.sg

thats very understanding.. and i take back the ben and jerry ... lol... i forgot.. that constitutes monetary gift.. but what if we eat that together? lol... well.. maybe she eats 7/10.. i eat 3/10... but hey.. love isn't abt equal share.. lol..

ha ha ha. thats mine too.. i got addicted to B&J courtesy of mrs phantom.. her favourite is Cherry Garcia lol... oh.. another little thing.. i know she lurrvves... Ben and Jerry.. so i'll buy a tub when i can to give her a surprise in the fridge.. lol..

Chunky, That got me thinking (Chunky Monkey = Ben and Jerry?) Mrs Phantom has to travel but less frequently... i try to pick her up at the airport whenever she comes back.. *unless i have company function* Sometimes wee morning have to wake up to help her bring luggage down... lol...

lol.. where got!? lol... that only means that we have to both work to survive... if 1 don't work.. then jialat.. and we can't even afford to have kids yet.. lol.. thats the actual intepretation..

the amount that the IB was asking me to help bring in for the private equity... commission alone looking at 8years of my total package.. lol....

The amount of money they make is amazing. I spoke to one who was asking me if i was able to help out in a private equity placement... the amount of commission for referral for me was ... mouthwatering.. i wasn't sure of the compliance issues that surrounded it because i work in a bank too.. so I pushed it back.