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my friend selling some clothes in her blog.
i add a link to my blog already.

feel free to visit.
http://unicoemo-styles.blogspot.com/

i might sell my things via her blog after i get my stock

a letter to MD

Dear MD

i dont know wat happen to u years ago. u used to b a hardworking, cheerful guy who likes to help teachers n classmates.

u used to lead a group of guys n command e parade, virtually e whole school knows u. how come u become so shy n reserve?

u had a great fall, but this fall is just a piece of ur life. u may have injuried ur leg n now is bai ka, ur leg will heal by itself. y u keep thinking of how and when to heal it?

e road of healing e wound is tough but it will heal naturally. u have lots of hands to support u, u dont have to stand up by urself.

e guys call u 天公仔, u call urself 天子. heaven's son, dont worry so much.

being heaven's son is blessed, e gods will oversee u and arrange things for u. juz that the time is not ripe...
relax urself, go for a short trip next yr, u might see things better cos u now in tears

draw house

got nothing to blog, so i went to shanice house site to do my own drawing
http://www.drawahouse.com

Your house tells the world that you ought to be a leader. You are a freedom lover and a strong person. You are shy and reserved. If you've drawn a cross on each of windows, you always want to live alone. You are very tidy person. There's nothing wrong with that because you're pretty popular among friends. Your life is always full of changes.

You will avoid being alone and seek the company of others whenever possible. You love excitement and create it wherever you go. You have a strong personality and you like to command, influence and control people.

You added a flower into your drawing. The flower signifies that you long for love. We also see that you are sensuous, sexual, and privately passionate. You don't think much about yourself

pui... i dont really like to live alone... so lonely... n i not popular among friends lor. e rest of e comment bah... u all decide n c for urself bah

ma zu

was watching chen ya lan's ma zu online these almost 20 nights or so...
i finishing e last eposide 2morrow.

learnt some things...
苦, 人生无痛苦. 必学懂得放下，可了解痛苦.了解痛苦，可知错，便可学习人生之道。

e 'escape' tax by transferring fund to ur cpf account, u will enjoy the benefit. but if u donate the $, u not only get tax exemption, u also benefit others. benefiting others is better than benefiting urself

3 bao -
tong zhen, the heart of the kids, friendly n forgiving
liang yuan, love others more than urself, include ur spouses, kids n relatives n other friends.
wu hui, dont do things for the benefit of urself, do it with a open heart n do for others without considering taking advantage of others

budget 09 expected

We will have our budget day before CNY, normally its in feb. but this yr, they holding it in jan.

as usual, i think they will give more incentive for innovation n research... making it difficult for my exam.

then i think they will give more tax exemptions for companies. currently its $300,000. maybe will be increased to $500,000

next, they might decrease e personal tax to 18% cap. hm... increase personal tax exemption from first 20k to 23k? damn... then i no need to pay tax again... sigh

actually these are nothing

i hoping for a GST cut to 5% from current 7%. That will have a lot of effect on the economics

wat i scare is e change of audit exemption from $5m to $7.5m or $10m
this means that auditors will run out of rice to eat. so sad... its means that i going jobless soon

hopefully CPF dont cut.

Next freebies from govt
This yr, we have Growth Dividend

hm... next yr, we might have Recession Relief Fund. er... $200 per half yr? same as this yr. More discount on utility bills!!!!
u can dream abt ERP reduction haha...

sick

i been feeling quite sickly recently. i tot i had recovered but apparently not. exam is coming, i am physically n mentally tired.

hopefully i have enough strength n support to go through this.
well... i think i might recovered by christmas...

Sterling Pound

Time to find money to go UK
Exchange rate hit $2.25.

The last time it hit such low price is in 1995 - 1996

1995
Jan 2.3080 2.2848
Feb 2.2962 2.2852
Mar 2.2781 2.2729
Apr 2.2522 2.2503
May 2.2305 2.2147
Jun 2.2213 2.2252
Jul 2.2333 2.2277
Aug 2.2008 2.2109
Sep 2.2451 2.2334
Oct 2.2313 2.2482
Nov 2.1707 2.2103
Dec 2.1884 2.1786
1996
Jan 2.1391 2.1752
Feb 2.1642 2.1689
Mar 2.1493 2.1530
Apr 2.1212 2.1358
May 2.1575 2.1300
Jun 2.1834 2.1728
Jul 2.2023 2.1988
Aug 2.1907 2.1896
Sep 2.2014 2.1962
Oct 2.2988 2.2368
Nov 2.3544 2.3322
Dec 2.3670 2.3314

This is based on MAS 20 years data. Beside Iraq disarmament crisis in Dec 1995, i cant find any information that could cause the pound to drop so low.

i am likely to change some pound out for keeping. But when... that's the question...
When will the pound hit bottom? will it rise up again? who knows?

How to spend ur money

I took this article from BT

1. Super-marketing
Shop only when there is sales.... apparently.. Year end sales is coming

2. Care-less list
Dont care abt the brand whether is jack n jill or pringles, buy cheap... haha


3. Use your credit card only when necessary
Ya, for points. Cards with no point, dont use


4. Avoid big-ticket items at such times
esp those useless items... but hor... if a company giving buy 1, get 5 free... can consider buying


5. Give your dream holiday a peak
Dont go for Europe... Aim at Ubin


6. Build your passive income now for the next recession
hm... try buying funds now n sell at peak?


7. Shop using shopping sprees
No difference... Shop at sales


8. Buy only what you need, don't be upsold
ya, i think i need a dragon robe to sleep in...


9. Review
For those who no on msn, i only left with $370 and must give a wedding angbao for this mth


10. Pay yourself first
Try save some money before u pay ur expenses

leave eaten

i very upset lor...
so many upsetting things happen this 2 weeks...

boss juz announce that no more exam off
as everyone going for exam and there are some taking in msia, boss requested those taking in sg to ensure that there are pp in the office daily.

this means tat abt 3 of us had to come back on exam eve... kns...
pek chek...
dont come n bother me... i very angry...