Wednesday, May 21, 2008

financial planning

An average man and woman dies at the age of 83 and 87 respectively nowadays.

The age of retirement is 65.
As a woman, I will have to live 22 more years without any income.
22 years x $2000 a mth x 12 mths = $528,000.
That is provided you do not have other commitment/ liability/ sickness... & I am intending to retire 15 years earlier than that!!!

My financial advisor told me that:
I need an emergency fund which is 30% of my average expenses in 3 mths.
I need $150 per session x 3 times a wk x 4 times a mth x 12 mth x 3 yrs = $64,800 for chemotherapy should I fall ill.
I need an average of $10,000 for my own funeral if I am dead.
I have two parents and michelle junior(s) who are dependent on me.
How much money do you save in a month?
How much money do you have in your bank account?
How much money do you plan to save in 5 years time?

How? Like that how???








Sunday, May 11, 2008

Belgium Taste




You are not supposed to take out the Kwak glass from it's handle!
I am no alcoholic!


Draft

Stella Artois Draught

Alcohol: 5.2%

Character: A light, golden lager, this is the world’s best selling Belgian beer. Crisp, with delicate hop aromas, it’s the ideal thirst quencher on a hot day.

Hoegaarden Blanche Draught

Alcohol: 5%

Character: This refreshing cloudy beer has hints of coriander and orange peel. Light, spicy and refreshing in this tropical climate.

Leffe Blonde Draft

Alcohol: 6.6%

Character: A dry, fruity beer with a creamy palate and subtle clove aromas. It’s roots can be traced back to the Abbaye Notre Dame De Leffe, founded in 1152.

Leffe Brune

Alcohol: 6.3%

Character: A Dark Brown Abbey Ale, with a high degree of bitterness but perfectly well balanced with the caramel sugar sweetness & chocolaty flavours.
Exclusive to Oosters in Singapore.

Artisan

Duvel

Alcohol: 8.5%

Character: A “Devil of a beer” this golden ale has delicate fruity aromas with hints of apple and a crisp finish. Deceivingly drinkable, this is our best selling bottled beer.

Pauwel Kwak

Alcohol: 8%

Character: This double fermented amber ale displays earthy aromas and a light vanilla/liquorice taste. Named after the innkeeper who first brewed it in 1791, it is served in its own miniature yard of ale glass.

La Chouffe 75cl

Alcohol: 8%

Character: First brewed in 1982, this relatively new beer is a golden ale with a spicy, slightly hoppy taste. A second fermentation occurs after bottling. The 75cl bottle makes it ideal for sharing.

Hoegaarden Grand Cru

Alcohol: 8.7%

Character: Pale golden in colour, quite fruity in both taste and aroma, and has a warm finish. Grand Cru is not a wheat beer, being made solely from barley malt.

Mc Chouffe 75cl

Alcohol: 8.5%

Character: This dark ale is coffee coloured and very thick. Hints of chocolate, sweet and somewhat spicy in taste, Mc Chouffe is inspired by the legend of a Scottish gnome! Again, ideal for sharing.

Hoegaarden Forbidden Fruit

Alcohol: 8.5%

Character: Deep red, mellow and full bodied, with hints of roasted malt, coriander and dried orange peel. Succumb to the temptation…

Palm

Alcohol: 5.2%

Character: New to Oosters is the best selling Belgian ale, Palm. Exceptionally fresh, clean and well rounded with aromas of toasty malt, a bitter-orange palate and a tartly refreshing finish.

Jupiler 25cl

Alcohol: 5.2%

Character: Golden yellow in colour with a complex bouquet of hops, malt and fruit. Smooth and easy to drink, with a soft bitterness. One of Belgium’s favourite pilsner beers.

Fruit

Timmermans Kriek (Cherry)

Alcohol: 4%

Character: Sweet and fruity with refreshing sour notes. These beers have rich strong flavours arising from the addition of crushed fruit during the fermentation process. Loved by the ladies.

Timmermans Framboise (Raspberry)

Alcohol: 4%

Character: Sweet and fruity with refreshing sour notes. These beers have rich strong flavours arising from the addition of crushed fruit during the fermentation process. Loved by the ladies.

Timmermans Peche (Peach)

Alcohol: 4%

Character: Sweet and fruity with refreshing sour notes. These beers have rich strong flavours arising from the addition of crushed fruit during the fermentation process. Loved by the ladies.




images_large02.jpgimages_large05.jpg

                                 The Manneken Pis



http://www.oosters.com.sg/index.htm
        - a place where you wanna be -

I have tried Timmermans Framboise, Leffe and Kwak. Just love the taste and the glasses!
Belgium is the paradise for beer.
Each glassware was designed specially to bring out the taste of each beer.
But be carefully when using the traditional glass while having your Kwak! Hehe.
Definitely going back for the food. Lovely place.
 

Wednesday, April 30, 2008

fever

                                          mine

                                         his


he infected me with this fever that wont go away!
why does he have less medicine that me? arghh...
feel terribly lousy and couldnt sleep at all...
luckily the fever is gone for the moment (3rd day of my mc)...

Monday, April 14, 2008

kallang

welcome to the east...

vietnamese food




very nice authentic vietnamese food at a little corner at Tanjong Pagar... 

Tuesday, March 25, 2008

have u seen her?

the story doesnt end there... here i am looking for a room... and it is so bloody difficult cos it is
so bloody expensive... and time is running out!

thousand and one reason for me to move out...
- the landlord is selling her flat
- she uses her key to open our room door whenever she feels like, this includes when we are       sleeping in the room, dressed or undressed in the room
- she let her friends stayed in the room next room while the tenant went back to KL, and left      
  behind some stuff for her to discover
- she cook when i just hung up my laundry
- she wanna sell us her coffee powder that she bought wrongly from the store
- it was almost a year and still no sight of the kettle she promised
- she collected 10 dollar for the gas which was initially told to be free of charge
- this reminded me that we paid half for the hot water installation when we first moved in
- she blast thai and la la musics ie tse dum dum dum kind anytime of the day 8am/ 3am
- she doesnt pay her phone bills/ utility bills!

only one reason to stay on
- cheap
- lazy

About a little girl

To avoid having to keep repeating the same old story, let me just put it down here...


I was new to the company... I joined my GM and his PA for lunch initially and formed a gang of 3...  It was nice of the GM to bring us out for lunch/ pick up & drop his PA on his way home/ exchanged with the PA when she ordered the wrong dish/ brought her for every single meeting big or small, formal or informal/ pinch the PA on her cheek... It was nice of the PA to make the GM tea everyday/ share the same drink every lunch/ suggest for places to have lunch/ give opinion on everything the GM buys/ buy things for the GM's kids/ make muffins for us...

I thought it was ok... it was demoralizing at times when you were so busy working your ass off and all they did was msn-ing/ walking in and out of the office/ leaving the office at 12 sharp to "run errands"/ leaving the office at 4pm for only-they-know what... Finally, people was sacked... one by one by the GM... I was told they werent performing... okay... the story began when the Corporate Manager was being asked to leave due to under performance... the whole team of 3 left together with him... new people was being employed and everything was in a mess and gets elevated to the CEO... 

Yes, it wasnt so simple btw the 2 of them... and all of them in this office... they were both married-respectively and they are both together... they thought it was such a good disguised but everyone sees and everyone knows... there is something wrong... very wrong with the GM... i was being approached and apparently not the only one... i couldnt care less as i should be fine as i am always out with him and his girlfriend right? so naive of me... i was thought to be involved for going lunch together, in a threesome?! even clients look at me differently when i go for meetings... am i his new pets? what about all those things that he told us about so and so saying she missed him/ loved him? and whoever is not performing? all just right the opposite! words come ard and go ard... he has a reputation of approaching girls and such in the office, outside the office. asking if so and so loves him (i was one of them, asked twice, rejected twice) and also twisting the fact!!! but i was new! how would i know?! and i m here for the work and not all these things...

now he was asked to step down... and the whole of Corporate Team was being brought back... and he disappeared for 2 weeks while the PA got sacked by the CEO... you'd though it was such an embarrassing scene... just right the opposite, they though nobody knew what was going on and all these happened just caused people were jealous of him & her, that we should sympathize them for having to step down and pack and go... i knew this day would come... why didnt you, even until today? i almost broke down during that period knowing what was going to happen sandwiched in the middle!!! i m on the fence and i'm just there for a living waiting for a better chance to go... 

sad to say, until today at this moment, they still thought nobody knew despite all my hints... it doesnt matter who, where and why anymore, does it? it is about learning from the mistake... which had fallen into deaf ears... i dont like this idea of bringing the whole team back, with increments and promotions... you might wonder what happened to those brought in as their replacement now that they are back... beats me... play on and i m out of here...  

Saturday, March 22, 2008

Pain

okay, gastric again...

it started in the evening and got worse at night, especially middle of the night and it woke me up from bed...
i took 2 anarex and 1 zimor but didnt seem to help...
i finally surrender to the doctor at 730am...
the 24 hour shenton clinic was charging $50 for consultation alone versus $12 after 800am...
i endure and finally it was my turn... it was to my relief that at least this doctor didnt recommend me a visit to the hospital or specialist as did the previous one...
i was given a jab and some medications...
i felt much better after the injection and stop taking the medications =P...
i hate gastric because the pain is extremely acute middle of the night... always!


Sunday, March 16, 2008

MOS night


birthday girl


Fred: "Where is a cloud?"
Roger Sanchez in the house

the dead drunk...

Saturday, March 1, 2008

政治

为什么把我牵连在这种关系???
我只想做好我的本分!!!
我相信清者自清!!!

what would you do, if you find out that your wife cheated on you?
what would you do, if you find out that your husband cheated on you?
what would you do, if you find out that your friend betrayed you?
what would you do, if you find out that your supervisor made use of you?
what would you do, if you find out that your colleagues are all talking behind you?
what would you do, if you find out that you betrayed your loved one for someone who cheated on you?
what would you do, if you find out that you have been accused of something you didn't do and never will do?
what would you do, if you find out that the person everyone is talking about is actually you when you thought it was someone else!??

u & me

LIBRA WOMAN


Libra woman mostly has an egg oval facial shape. She has a nice smooth skin
and a good figure. She will spent so much efforts to keep her skin clean and
pretty. She can be easily allergy to cosmetic and make up, but taken care of
her face and avoid wrinkle is her hobby. She is good at it and tend to look
younger than her age.

She can be very naughty like a little boy, but yet fully 100% woman. She
looks nice in either Jean or night gown. She thinks woman is equal to man.
Sometimes she can think faster than you, but she will not leave you far
behind. She will try not to make you feel like you are competed or defeated
in any games she plays with you even she is winning.

She is a little flirt even she has no idea what she wants. She can not
decide what to do, and what not to do, so she can not set her schedule very
well in all cases.

She is gifted with how to dress, and how to match her dress. She likes to
dress in black and wear perfume. She likes a mild flowery scent.

In any argument, she can really argue. She can argue for hours, and mostly
win the argument. If it is not a serious argument, she could argue and once
a while give you a smile also. She will make a good politician, because she
can tell which party will win the election.

She always has a good reasons ,even she likes to contradict herself. She can
not decide what is right and wrong for her, because everything has a good
side and a bad side. Woman in other Zodiac might not care what other people
think, but Libra woman care what other people ,or what you feel as much as
her own feeling.

She can adjust to her environment very well, so at work she will be at the
ladder up. She likes team work in doing things. If you ask her for help or
advice, she will help you except if she does not like your guts. She can
change you and make you think you change by yourself without her influence.

Good side of being with Libra woman are she never interfere with your
privacy. She will not make you loose face in front of your friends. Even she
cares about how much money she has left his her bank account, she will never
forget to let you know how much she cares for you.

She think taken care of the house is a woman job and she can do it well. But
if you expect a Libra woman to fear you, then you are wrong. She is a strong
woman even she looks at you with that sweet innocent pairs of baby's looks
and may loose you (let you win) in a few poker games.

If she is the one you are after, then go step by step. The best way is using
her friends introducing you to her. Do not make her feel or treat her like a
bubble head. You have to move forward toward her with confident and secure.
Show her that you are a kind , polite and a real gentleman. Be a slow hand
or else you might get smack!



SCORPIO MAN


A man with a foggy clouds over him. He is sensitive and easily hurt and
always feels lonely. He does not trust anyone but himself. Sounding so
negative, but he has an amazingly charisma. He is a compassionate man . He
absorbs other people sentimental feeling and pain.

He is a good psychiatrist and he could understand complex and confused
feeling. He has a hidden power that he could use it to make things happen
and do things well. He does not like people who never try to help themselves
before asking other people for favors. He is the type of guy who mostly
achieved his goal in life.Once he sets his mind for something, he will put
all his energy and efforts in it , whether or not it is a small matter or a
big project. One of the most success man in all the Zodiac.

He is a very patient man and can waits for years to reach his goal. He hates
thin feeling and weak determinations. He can not retreat or rest for long,
for he thinks life has more questions and more answer to be searched.

If he is in love, you will get plenty of love from him, sometimes may be too
much than you have asked for. He is serious about love and relationship and
will not waste time with someone he does not love whether how pretty she is.

He hardly makes mistake. He could tell if you have any bad thought, and will
not hesitate to tell you so. If you do not like straight forward sincere
man, then pack your bag now. If you are an over sensitive person, try not to
ask for his comments. He will tell you the truth, even you might not be able
to take it. Example , if you ask him if you are fat (and you are fat), he
will say "yes, as big as a balloon". He makes such comments because he cares
for you, so do something about your weight and do not get up set with him.

If he says "you look pretty today", you can be proud because he will not say
such think just to please you if he does not really mean it. There will be
both kind of people, those who like him and those who hate him. If you are
in love this guy, be strong and belief in your decision, do not be
vulnerable. He remembers all his anger and will wait for his pay back time.

He is very serious about your promise, do not promise something you could
not keep. He loves his friends and will do anything for his close friends.
He likes you to take care of him, but not in front of his friend. He is a
complex man and you will never understand what he means if you do not really
know him. He is happy to know he is a complex figure. When he is thinking or
when he needs his privacy, you should give him some space.

He memorize everything well. You may say something that you already
forgotten, but he will remember every words. He wants to be respected and
admired and at the same time he does not like people to have power over him.

When he falls in love, he really falls deep. A man in this Zodiac once in
love, he will be sweeter than sugar. He does not like a plain and simple
woman. A complex woman's mind is his venture. Always be interesting and able
to talk to him about every things in any subjects. He does not like a woman
who sits around waiting for his call.

Thursday, February 21, 2008

Sandakan Food

碗仔翅
虾公
东风骡
沙白
拉尿虾
石斑?海地鸡?
香香滑蛋面
滑蛋河啊新加坡人!!!
巴刹炸肉干捞米粉
鱼蛋
皮蛋饺炸肉干捞面
蛋挞

Saturday, February 16, 2008

Welcome to Jesselton





每天都在这坐好几个 小时 -。-
阿vun在surf某人的照片
chloe和ham sap哥哥
呐。。。帮你免费宣传Jesselton。。。哈哈哈。。。