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  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
    • You and your best buddy make an awesome twosome!

      Celebrate your awesomeness at The Manhattan FISH MARKET with these awesome deals!

      Simply flash your favourite e-coupon to enjoy!

       

      Terms & conditions

      • Available from now till 31 Oct 2017 (except PH) at all restaurants except Changi Airport T1.
      • Not valid with other promotions and discounts.
      • No changing of dishes allowed.
      • Prices are subject to 10% service charge and 7% GST.

      Find your nearest Manhattan FISH MARKET outlet here.

  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
    • after wedding lunch went to bvlgari to try ring size liao 

      but will buy at airpok 

  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
    • the short guy is getting more and more hamsum 

       

      and so wasted channing tatum not much action 

      he did attempt some dancing though (but not magic mike style)

  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
    • chose GV @ GWC bcos of the timing..... cannot too early but dun want too late as the movie 2hr+ then later cannot take mrt (in the end also grab hitch, haha~)

      supposed to have dinner 1st then go is just nice de

      but then the dinner queue so super long so we gave up halfway

       

       

      no spoilers but got one part is close to home. haha~

       

      and, somehow u need to watch the 1st instalment then u will understand some parts in this episode

      as much as they tried not to link too far back, some things u need the knowledge from part 1 to make sense

  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
    • back from watching Kingsman

      GWC de GV de seats relli uncomfy...... too straight liao........ gimme neckache sia...... esp is 140min show + 一大堆 ads in front

      Edited by FireIce 23 Sep `17, 12:08AM
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
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    264,011 posts since Dec '99
    • Originally posted by laurence82:

      today everything fave

      are noopig and me your fave fellow forumers and co-participants of eat-sleep-sex focus group?

      my fav hi-tea mates

  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
    • the NEA app says "Heavy Thundery Showers with Gusty Winds"

       

      it will be song to sleep 

  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
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    264,011 posts since Dec '99
    • 5 Important Financial Decisions That
      Singaporeans Should Not Make Without Thinking

       

      There are many financial decisions in life that we have to make. Sometimes, there are important decisions that we should think through carefully, rather than to go with the default choice that everyone else around us has made.

      #1 Getting A Private Integrated Plan With Complete Rider

      All Singaporeans and PRs are automatically covered under MediShield Life, Singapore’s basic health insurance plan. Coverage is provided regardless of age or pre-existing conditions.

      According to the Life Insurance Association (LIA), two in three Singapore residents have a private Integrated Plan (IP). In addition to that, one in three have an IP rider. A rider allows deductibles and the co-payment portion of the bill to be covered by insurance companies.

      While we think a private integrated shield plan is something everyone should consider, it’s also important for you to first understand the extent of the coverage that you want, and to get the plan that best fits your requirement.

      Think about long-term affordability as well. When you buy an IP, you will be paying the premiums for many years. So check out how much future premiums will be before committing to it.

       

      #2 Getting A BTO Flat

      Many people advocate getting a BTO flat as your first home. It costs less and is newer, compared to other similar flats in the vicinity. We have also written extensively about why we think you should get a BTO flat.

      But a BTO flat isn’t always your only choice, or even the best choice. A home is after all…your home and your personal preferences matter.

      For example, some couples may want to stay near their parents and may opt for a resale flat. Others may want to stay nearer to the CBD for a more convenient daily commute.

       

      #3 HDB Vs Bank Loan

      As a default option, most HDB homeowners will opt for a HDB loan because interest rates are stable. In contrast, bank loans can vary over the years depending on the interest rates of the market.

      In recent years, low interest rates offered by banks has led to more interest even among flat owners who qualify to take a bank loan.

      If you wish to find out more about whether a HBD or bank loan is more suitable for you, you can read this article we wrote about HDB vs Bank loan.

       

      #4 Using CPF Instead Of Cash For Home Loan Repayment

      Many Singaporeans pay their home mortgage using money from their CPF Ordinary Account (CPFOA). In fact, more than 80% of HDB homeowners do not pay any cash for their monthly home loan repayment.

      However, funds in your OA can earn you a risk-free return of up to 3.5% per annum, while cash on hand, unless invested, do not generate any returns. Interest earned will become a large sum of money when compounded over a long time period.

      When Singaporeans use their CPFOA for their home loan repayment, they should think through carefully on how tapping on these funds today will impact their own future retirement.

       

      #5 Choosing Your CPF LIFE Plan

      Singaporeans age 65 have a choice of choosing their preferred CPF LIFE plan. They can choose from the Standard Plan (default choice) or the Basic Plan.

      In a previous article written, we analyse that based on life expectancy, the Basic Plan appears to be the “superior” plan. This is of course subjective and largely based on how long you actually live to.

      While we are not saying that everyone should choose the Basic Plan, we think more Singaporeans need to do the comparison for themselves, before deciding on what makes the most sense for them.

       

      Thinking through a decision does not mean that the default choice available is not a good choice. For the most part, a default choice is usually the more logical choice for most people, hence the choice being “default” in the first place.

      However, as with many other financial decisions in life, what is suitable for others may not always be the best choice for you. Big decisions should never be taken lightly. So think through these decisions in advance before you make any of them.

       

      dollarsandsense

  • Queen of sgForums
    驚世駭俗醜不啦嘰 moderatress
    FireIce's Avatar
    264,011 posts since Dec '99
    • There are more billionaires walking the planet than ever before.

      According to the Forbes 2017 Billionaires List, there are now a record 2,043 billionaires, having increased by 233 from the previous year.

      If you fancy joining the ranks of the mega rich – these billionaires are worth a whopping $7.7 trillion (about £5.7 trillion) – then what do you need to do?

      It turns out picking the right subjects to study at university or college can play a big part. Analysis of the rich list by recruitment specialists Aaron Wallis has highlighted that of the 100 richest billionaires, 75 pursued some form of higher education.

       

      As the table below highlights, these mega rich people picked some rather disparate subjects to study, though there are a few that stand out as being particularly popular among the would-be wealthy.

       

      Clearly, having a hands on understanding of engineering is a useful way to end up with the big bucks; if people are willing to spend £1,000 on a mobile phone that’s awfully similar to the one they already have, then it’s a good sign that tech is a fruitful area to pursue. Indeed, according to Forbes, there are now 183 tech billionaires.

      However, it’s notable that business and economics also score highly. Understanding economic cycles, and when – not just how – to make a deal are obviously incredibly useful assets for the super rich to have.

      Aaron Wallis also picked out certain trends among the first jobs held by the richest of the rich. A significant 30% of the richest 100 inherited their wealth, which isn’t an option for most of us, but more than half of them started their working life in somebody else’s company.

       

      Interestingly, of those 53 super billionaires, the most common starting role was as a salesman (10), just ahead of being a stock trader (9), a software developer (5) and an engineer (5).

      Again, a familiarity with making deals, with understanding how to sell something, is a big plus if you want to end up with a swimming pool filled with money a la Scrooge McDuck.

      If you do manage to find yourself on the rich list, be warned that membership may only be temporary.

       

      Forbes kicked 78 members of the 2016 billionaires list off as a result of falling fortunes, most notably Elizabeth Holmes whose net worth went from $3.6 billion (£2.67 billion) to a big, fat zero after her blood testing company Theranos was the subject of a scandal that has raised the prospect of liquidation.

      yahoo

      Edited by FireIce 20 Sep `17, 11:01PM