Hi all. I just came back from m'sia Supper at DUO(our usual place for supper in m'sia). I'll like to make a confession at my blog be4 the other 3 guys (don, qy, tiong ) flame me.
My apology for my carelessness. I actually forgot to bring my passport and tiong had to tell the custom officer that he made a wrong turn. Well, the lucky thing is they dunno the other 3 guys had their passport with them. if not, they wouldn't have believed his excuse (They had came in m'sia for at least 10+ times this year....)
Well, my excuse to my 3 fellow friends are tt
a) Study and do my project until I forgot to take my passport ( too hardworking)
b) went to toilet be4 and thus I forgot to take my passport
And obviously, It didnt' work
Well, luckily I live at woodlands....... I'm gd!
Y
Monday, April 7, 2008
Sunday, April 6, 2008
INFLATION
haha. normally I post mostly rubbish stuff. But I think this is impt , esp as an econs student.
The Sunday times came up with an article on "HOW TO BEAT INFLATION" and came up with 10 ways to overcome the shrinking dollar
1 - Cut down spending, live within your means (reduce expenditure)
2 - Try to save 20% of your pay or more (pay urself 1st)
3 - Do not be overly conservative (invest instead of leaving all of it in savings or fixed deposits)
4 - Don't rely solely on guaranteed products (bonds tt have marginal protection against inflation in long term )
5 - Save regularly via an investment platform (start investing earlier via savings plan)
6 - Take on sensible level of investment risk (resonable spread of defensive and growth assets)
7 - Invest for returns that will beat inflation (gobally diversified portfolio of stocks and bonds)
8 - Understand the power of compounding (plan, save & invest early. Rule of 72)
9 - Invest in asset class that appreciate (eg. property. but invest within ur means)
10 - Limit exposure to depreciating assets (consumer goods like car)
However, if you examine it again, the one way mentioned by sunday times to beat inflation is to invest, invest and invest.
The annual rates of inflation by CPI in singapore was still okay for the past few years. BUT....
"Singapore's annual inflation rate hit a 25-year high of 6.6% in January, according to Department of Statistics (DOS) data released on Monday [25 Feb 2008]. The inflation rate, as indicated by the consumer price index (CPI), was the highest since the 7.5% hit in March 1982. In December, the annual rate was 4.4%."
FInding things to invest to beat this 6.6% would be quite difficult. Seems like everyone of us needs to be equipped of the knowledge of investing if we wanted to win the battle against inflation.
Well, I need to find a job first..... haha.....
Y
The Sunday times came up with an article on "HOW TO BEAT INFLATION" and came up with 10 ways to overcome the shrinking dollar
1 - Cut down spending, live within your means (reduce expenditure)
2 - Try to save 20% of your pay or more (pay urself 1st)
3 - Do not be overly conservative (invest instead of leaving all of it in savings or fixed deposits)
4 - Don't rely solely on guaranteed products (bonds tt have marginal protection against inflation in long term )
5 - Save regularly via an investment platform (start investing earlier via savings plan)
6 - Take on sensible level of investment risk (resonable spread of defensive and growth assets)
7 - Invest for returns that will beat inflation (gobally diversified portfolio of stocks and bonds)
8 - Understand the power of compounding (plan, save & invest early. Rule of 72)
9 - Invest in asset class that appreciate (eg. property. but invest within ur means)
10 - Limit exposure to depreciating assets (consumer goods like car)
However, if you examine it again, the one way mentioned by sunday times to beat inflation is to invest, invest and invest.
The annual rates of inflation by CPI in singapore was still okay for the past few years. BUT....
"Singapore's annual inflation rate hit a 25-year high of 6.6% in January, according to Department of Statistics (DOS) data released on Monday [25 Feb 2008]. The inflation rate, as indicated by the consumer price index (CPI), was the highest since the 7.5% hit in March 1982. In December, the annual rate was 4.4%."
FInding things to invest to beat this 6.6% would be quite difficult. Seems like everyone of us needs to be equipped of the knowledge of investing if we wanted to win the battle against inflation.
Well, I need to find a job first..... haha.....
Y
Saturday, April 5, 2008
Dream Again.....
hi all! I just finished a japanese drama by "ドリーム☆アゲイン" or "Dream Again" !!! V-.-V
It's one show by mr GTO aka Takashi Sorimachi. Well, Long time no see his show le. Welcome back, idol!
A pic taken at press conference! I think both the female lead and the young actress in white are pretty!!
Well the story is not completely original and though the story has it's funni parts also, but it's not exactly tt funni also. How should I put it.... It has a little bit of here and there. It's not like OUR STUPID "TRICK" , nor does it focus alot on luv, or funni like nodame. Let's just say it's about an average or slightly above average show if none of the actors or actresses are your favorites. Still I enjoyed watching this drama.....
If you got the time to spare, u can try watching this drama. =) well My drama craz will be back again as the exams approaches (haha i seriously has no hope , as mentioned by ms kaiqi), So visit my blog again for more japanese dramas updates!!
Y
It's one show by mr GTO aka Takashi Sorimachi. Well, Long time no see his show le. Welcome back, idol!
A pic taken at press conference! I think both the female lead and the young actress in white are pretty!!
Well the story is not completely original and though the story has it's funni parts also, but it's not exactly tt funni also. How should I put it.... It has a little bit of here and there. It's not like OUR STUPID "TRICK" , nor does it focus alot on luv, or funni like nodame. Let's just say it's about an average or slightly above average show if none of the actors or actresses are your favorites. Still I enjoyed watching this drama.....
If you got the time to spare, u can try watching this drama. =) well My drama craz will be back again as the exams approaches (haha i seriously has no hope , as mentioned by ms kaiqi), So visit my blog again for more japanese dramas updates!!
Y
Thursday, April 3, 2008
secondary school week!
haha. i decided to make this my secondary school week cuz i managed to meet up wif 2 of my secondary school friends! one of them is my tomo! Another one is my long lost ms stingy yang who went MIA after she graduated from nus!
Wednesday: Met xingyi and went to makan japanese food at The Central! Well the restaurant we went to was alritely designed But the proportion of the food was.... little. The side dish that we ordered (fried calamari) had oni 6 pieces! and tt's for like $12! Impressive..... But luckily it was tomo who foot the bill!
Being concerned of whether my Dear tomo was still hungry or not (she drank quite alot of green tea but the amt of food she ate was veri little - 1/2 of the raw sushi was eaten by me), We went to Manhattan Fish Market to order some sides (haha we did order fried calamari again, and this time it was value for $) and manhattan MUD PIE! ( YUMMY! =p) The view at the river was pretty gd! Of coz, this time round I offered to pay for the food .... cuz... it's cheaper.... and I just got abit of my tuition pay. As usual, we had our chats and talks, and it was a enjoyable nite wif my tomo!
Thursday: Met Ms Yang at CWP (yes i was abit more lazy this time round, but it's sun4 lu4 for her...so I guess it's okay.... haha). Well Kaiqi haven't realli changed much in appearance. Just that I think her hair is longer now. Initially wanted to eat wif her at pasta mania, but it was under renovation, thus we decided to makan at mac. I guess being a professional social worker has made her to be stingy. ASK HER TO TREAT ME FOR DINNER ALSO CANNOT! worked for 2 years le loh, treat also muz think twice ah! still dare to give me $2 initially to ask me to buy a set meal for her!
Both of us blamed each other for pushing our meetup till today. I think I feel more demoralised after talking to her cuz kaiqi keep laughing at me. She isn't doing wat a social worker should do - encourage ppl. In her viewpoint she felt that I was a gonecase for studies. But she tried to encourage me to find a job by saying that she will treat me the next time when i've found a job. But after analysing and breaking down her salary and her expenses, I found that it is indeed tuff to save $. No wonder ppl say that u get poorer after u work. Have to pay for this and that. ( at this point of time I realli felt blessed that tomo treated me yesterday! hahaha) But of coz, we both had a nice rubbish talk. I hope she will meet up wif me next time after she went overseas so that I can have some present from overseas.
And after tt I still met up wif gay bro CK for some supper session. (but I dun think he's of any reason why this is a secondary school week, cuz i meet him like almost any other day... oh i meeting him today again.... for forensic science.....)
I need to meet up wif my other friends soon! (whom I may have neglected)
Y
Wednesday: Met xingyi and went to makan japanese food at The Central! Well the restaurant we went to was alritely designed But the proportion of the food was.... little. The side dish that we ordered (fried calamari) had oni 6 pieces! and tt's for like $12! Impressive..... But luckily it was tomo who foot the bill!
Being concerned of whether my Dear tomo was still hungry or not (she drank quite alot of green tea but the amt of food she ate was veri little - 1/2 of the raw sushi was eaten by me), We went to Manhattan Fish Market to order some sides (haha we did order fried calamari again, and this time it was value for $) and manhattan MUD PIE! ( YUMMY! =p) The view at the river was pretty gd! Of coz, this time round I offered to pay for the food .... cuz... it's cheaper.... and I just got abit of my tuition pay. As usual, we had our chats and talks, and it was a enjoyable nite wif my tomo!
Thursday: Met Ms Yang at CWP (yes i was abit more lazy this time round, but it's sun4 lu4 for her...so I guess it's okay.... haha). Well Kaiqi haven't realli changed much in appearance. Just that I think her hair is longer now. Initially wanted to eat wif her at pasta mania, but it was under renovation, thus we decided to makan at mac. I guess being a professional social worker has made her to be stingy. ASK HER TO TREAT ME FOR DINNER ALSO CANNOT! worked for 2 years le loh, treat also muz think twice ah! still dare to give me $2 initially to ask me to buy a set meal for her!
Both of us blamed each other for pushing our meetup till today. I think I feel more demoralised after talking to her cuz kaiqi keep laughing at me. She isn't doing wat a social worker should do - encourage ppl. In her viewpoint she felt that I was a gonecase for studies. But she tried to encourage me to find a job by saying that she will treat me the next time when i've found a job. But after analysing and breaking down her salary and her expenses, I found that it is indeed tuff to save $. No wonder ppl say that u get poorer after u work. Have to pay for this and that. ( at this point of time I realli felt blessed that tomo treated me yesterday! hahaha) But of coz, we both had a nice rubbish talk. I hope she will meet up wif me next time after she went overseas so that I can have some present from overseas.
And after tt I still met up wif gay bro CK for some supper session. (but I dun think he's of any reason why this is a secondary school week, cuz i meet him like almost any other day... oh i meeting him today again.... for forensic science.....)
I need to meet up wif my other friends soon! (whom I may have neglected)
Y
Wednesday, April 2, 2008
TR3002
Today's lecture is another veri interesting game. However, this game also reflects the reality world in a very harmless manner.
Today we are supposed to break up into groups of either being a VC (venture capitalist) or company which require VC to invest in them. The aim of the game is to make ur VC thinks that ur company is worth alot of money and asking them (those who think ur company is worth alot) to invest more. (equities and stuff..... )
And my team is the one of the companies asking for investment from VC. Sadly to say my company came in last. haha.... Sorry to my other team mates ...... Probably we didn't do as well as other companies..... And I came up wif some conclusions tonite.
1)Honesty is not the best policy if u want to maximise profits.
2)Dog eat Dog world.
3)There are no friends in the corporate world, maybe.
4)Guys are all brothers, maybe. (This 1 is funni....) PST me for more details.
Another conclusion I have made is:
I'm not suitable to start up my own company , at least for now.
I'm better off as a worker, at least for now.
I'm not under the norm category.
But the overall conclusion is : " I'm GD! "
yeahhhhhhh
PS ( btw... i realli enjoyed myself for this module....... haha..... )
Y
Today we are supposed to break up into groups of either being a VC (venture capitalist) or company which require VC to invest in them. The aim of the game is to make ur VC thinks that ur company is worth alot of money and asking them (those who think ur company is worth alot) to invest more. (equities and stuff..... )
And my team is the one of the companies asking for investment from VC. Sadly to say my company came in last. haha.... Sorry to my other team mates ...... Probably we didn't do as well as other companies..... And I came up wif some conclusions tonite.
1)Honesty is not the best policy if u want to maximise profits.
2)Dog eat Dog world.
3)There are no friends in the corporate world, maybe.
4)Guys are all brothers, maybe. (This 1 is funni....) PST me for more details.
Another conclusion I have made is:
I'm not suitable to start up my own company , at least for now.
I'm better off as a worker, at least for now.
I'm not under the norm category.
But the overall conclusion is : " I'm GD! "
yeahhhhhhh
PS ( btw... i realli enjoyed myself for this module....... haha..... )
Y
Friday, March 28, 2008
GEK 1542 TEST
Later I'm going to have my mcq test for forensic science at 7pm.
Being a PuRE mcq test, I have 20% chance of getting an answer correct. (A/B/C/D/E)
Using method of elimination, I should be able to cross out 1 of the answers for each question if the questions are not too difficult.
Thus my chance of getting an answer correct has increased from 20% to 25%
Given that I have briefly read through the notes, I should be able to narrow down to 3 options (33% to get correct).
Let's hope the avg marks of the test is 33% of 35 marks ~ 11.67. IF NOT I JIA LAT LE
Y
Being a PuRE mcq test, I have 20% chance of getting an answer correct. (A/B/C/D/E)
Using method of elimination, I should be able to cross out 1 of the answers for each question if the questions are not too difficult.
Thus my chance of getting an answer correct has increased from 20% to 25%
Given that I have briefly read through the notes, I should be able to narrow down to 3 options (33% to get correct).
Let's hope the avg marks of the test is 33% of 35 marks ~ 11.67. IF NOT I JIA LAT LE
Y
Sunday, March 23, 2008
JL & TED's Bday celebration!
We went to celebrate JL and Terry's Bday celebration at Swensens on thursday! Well I'm still proud to say that we still have such a big group from our secondary schoool! wuzhong rulez!
Below are some photos taken during the gathering.
Sim's food for da day. A few pieces of vege, mash potato, 1 slice of fish, 1 slice of lemon. SO little how to satisfy his stomach....
My table's group foto! haha. But I'm da camera-man, so i'm not inside. But hey, DK from da other table is point middle finger sia.... FIERCe.....
Foto taken for da other table. weeee! look how closely JL clinches her bf's hand. =)
Ah bear, QY and WL's group foto. see how happy WL is in da foto! Look at ah bear's face. SO.......ren4 ming4....... LOL. QY wif his gayish pinkish t-shirt again....
Da three gals wif WP! notice the 3 gals. They have grown prettier after they started working. WP...... still looks the same to me though.... boyish face... haha...
Me, JL's bf and QY taking a foto! Oni JL's Bf is grinning! muz be becos of successful rlts and career! ME and gayish QY still stuck in schoool...
haha. Reen trying to pose a cute foto here wif JL. not bad... but needs improvement though! remember to find job for me and ck hoh.... =p
DK aka organiser presenting the gifts. haha. Organising for 2 ppl isn't tt easy... GD job~
Last but not least, JL and her BF! Look how happy they are together!
haha. SO when's the next one?
=p
Y
Below are some photos taken during the gathering.
Sim's food for da day. A few pieces of vege, mash potato, 1 slice of fish, 1 slice of lemon. SO little how to satisfy his stomach....
My table's group foto! haha. But I'm da camera-man, so i'm not inside. But hey, DK from da other table is point middle finger sia.... FIERCe.....
Foto taken for da other table. weeee! look how closely JL clinches her bf's hand. =)
Ah bear, QY and WL's group foto. see how happy WL is in da foto! Look at ah bear's face. SO.......ren4 ming4....... LOL. QY wif his gayish pinkish t-shirt again....
Da three gals wif WP! notice the 3 gals. They have grown prettier after they started working. WP...... still looks the same to me though.... boyish face... haha...
Me, JL's bf and QY taking a foto! Oni JL's Bf is grinning! muz be becos of successful rlts and career! ME and gayish QY still stuck in schoool...
haha. Reen trying to pose a cute foto here wif JL. not bad... but needs improvement though! remember to find job for me and ck hoh.... =p
DK aka organiser presenting the gifts. haha. Organising for 2 ppl isn't tt easy... GD job~
Last but not least, JL and her BF! Look how happy they are together!
haha. SO when's the next one?
=p
Y
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