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Dear All, I'm intending to giveaway my current set of hankooks 205/45/17 to anyone who needs it as the tyre shops doesn't do trade ins and the set of tyres are still relatively new and threads still have a long way to go. Some conditions I can think of: 1. I will need your worn out tyres so I can drive to my designated location to change my tyres. 2. Cost of exchanging tyres at workshop to be borne by interested party. Reason why I'm changing out my current set of tyres is because I cannot bear the noise and the wet grip of this tyres doesn't fit my style of driving. Below are several photos taken today for your reference and information. Can always meet up to view the actual condition of the tyres before you decide to take up or not. Please don't flame me by saying the tyres sure got problem that's why I giving it away. I don't have this intention and the interested party can always verify before changing out. By the way, I'm staying in north-east in case you wanna know.

Hi guys. Been a while. Hope everyone has been doing well. I'm going to be trading in my car with an existing loan for a new car (and taking minimum loan). I was wondering if anyone has managed to get their bank to waive the early settlement penalty (rule 78) if they took up another car loan from the same bank.

aside to the rule78's 20%, is there such practice impost by the loan company in the market? banks? in house? private institutions? TIA

along Sembawang Road on 30 Jan...circled the tail end of the car

Had they started burning forest in Indonesia. Its only begining of February 2014 ..... yahoo news: Return of haze feared as Indonesian forest fires reach ‘alarming conditions’ Hazy days may return to Malaysia after it was reported today that hundreds of hectares of forest in Indonesia's Riau province have been ravaged by fire, reaching "alarming conditions", according to the Jakarta Post. The English-language daily reported that a lack of rainfall made fire-fighting efforts more difficult, and thin haze has already blanketed Dumai and Pekanbaru, Riau's capital. “Firefighters experienced difficulties extinguishing the flames as the area is dried peatland,” Riau's Meranti Islands regency forestry agency head M. Murod was quoted as saying. Fires have been burning since last week in the regency, and have spread to Rangsang Island and Tebingtinggi Island, destroying about 200 hectares of land. Murod hoped Jakarta would help the efforts by arranging for cloud seeding to avoid a repeat of the haze which struck neighbouring countries. In June last year, schools in Singapore and Malaysia were shut and state of emergency declared in several areas in Johor after the Air Pollution Index (API) crossed 700. An API rate between 0 to 50 is considered as good, 51-100 as moderate, 101-200 as unhealthy, 201-300 very unhealthy, and above 300 as hazardous. In the past, the dry season, between May and September, was blamed for the haze, as well as on Indonesian farmers who did land clearing for the planting season. The haze last year had also sparked a war of words between Jakarta and officials from Malaysia and Singapore, after an Indonesian minister said Sinaporean and Malaysian companies were to blame for forest-clearing activities. Murod said he could not identify the plantations involved in the latest fires. “The blaze is getting bigger and bigger inside the plantations. It’s difficult to identify. I have just received a report on losses suffered by residents,” he said, as reported by the Jakarta Post. Bengkalis regency's Disaster and Firefighter Agency head Mohammad Jalal meanwhile did not rule out land clearing activities for the latest fires. “We have often warned about avoiding fire in peatland. In the current hot weather and strong winds, the dried peatland could easily burn and it’s difficult to extinguish,” he told the Jakarta Post. – February 3, 2014. link: http://sg.news.yahoo.com/return-haze-feared-indonesian-forest-fires-reach-alarming-043157236.html We are now enjoying North-East wind condition and should the wind direction changes, we will be affected ... Couple with their volcano still throwing ashes into the air. So last year 'papers' which was send to Indon Minister still in their in-tray ......

Early in the morning i was "awaken" by this red light beater truck. is there anyway i can report to the TP? [rifle]

Lau nang, think i join your loose stool club. think have early IBS, cos everytime after meals, guarantee to off load what is remnants in the rectum....i know what you are suffering fr now [laugh]

Booked in march with agency to go China Guilin in early June. But now with bird flu looming mostly affecting eastern provinces, in two minds whether to go elsewhere. Paid deposit liao for 8 people including elderly and one child. Would you go if you are in my shoes? Most likely want to play safe and go elsewhere.

A prelude to a war with Iran? Never mind, the Iranian love this new toy paid by angry American tax payer. CIA "0", Iranian "1". Source: Iranian news report

Updated 03:51 PM Oct 20, 2012 NEW YORK - The release of Microsoft's Windows 8 operating system is a week away, and consumers are in for a shock. Windows, used in one form or another for a generation, is getting a completely different look that will force users to learn new ways to get things done. Microsoft is making a radical break with the past to stay relevant in a world where smartphones and tablets have eroded the three-decade dominance of the personal computer. Windows 8 is supposed to tie together Microsoft's PC, tablet and phone software with one look. But judging by the reactions of some people who have tried the PC version, it's a move that risks confusing and alienating customers. Tony Roos, an American missionary in Paris, installed a free preview version of Windows 8 on his aging laptop to see if Microsoft's new operating system would make the PC faster and more responsive. It didn't, he said, and he quickly learned that working with the new software requires tossing out a lot of what he knows about Windows. "It was very difficult to get used to," he said. "I have an 8-year-old and a 10-year-old, and they never got used to it. They were like, `We're just going to use Mom's computer.'" Windows 8 is the biggest revision of Microsoft Corp.'s operating system since it introduced Windows 95 amid great fanfare 17 years ago. Ultimately, Windows grew into a US$14 billion a year business and helped make former Chief Executive Bill Gates the richest man in the world for a time. Now, due to smartphones and tablets, the personal computer industry is slumping. Computer companies are desperate for something that will get sales growing again. PC sales are expected to shrink this year for the first time since 2001, according to IHS iSuppli, a market research firm. The question is whether the new version, which can be run on tablets and smartphones, along with the traditional PC, can satisfy the needs of both types of users. "I am very worried that Microsoft may be about to shoot itself in the foot spectacularly," said. Michael Mace, the CEO of Silicon Valley software startup Cera Technology and a former Apple employee. Windows 8 is so different, he said, that many Windows users who aren't technophiles will feel lost, he said. Microsoft is releasing Windows 8 on Oct. 26, and it doesn't plan to cushion the impact. Computer companies will make Windows 8 standard on practically all PCs that are sold to consumers. Speaking to Wall Street analysts on Thursday, Microsoft's chief financial officer Peter Klein said he isn't very concerned that user confusion could slow the adoption of Windows 8. When Microsoft introduces new features, he said, people eventually realize that "those innovations have delivered way more value, way more productivity and way better usability." That's going to be true of Windows 8 too, he said. Instead of the familiar Start menu and icons, Windows 8 displays applications as a colorful array of tiles, which can feature updated information from the applications. For instance, the "Photos" tile shows an image from the user's collection, and the "People" tile shows images from the user's social-media contacts. (Microsoft is licensed to use AP content in the Windows 8 news applications.) The tiles are big and easy to hit with a finger - convenient for a touch screen. Applications fill the whole screen by default - convenient for a tablet screen, which is usually smaller than a PC's. The little buttons that surround Windows 7 applications, for functions like controlling the speaker volume, are hidden, giving a clean, uncluttered view. When you need those little buttons, you can bring them out, but users have to figure out on their own how to do it. "In the quest for simplicity, they sacrificed obviousness," said Sebastiaan de With, an interface designer and the chief creative officer at app developer DoubleTwist in San Francisco. Technology blogger Chris Pirillo posted a YouTube video of his father using a preview version of Windows 8 for the first time. As the elder Pirillo tours the operating system with no help from his son, he blunders into the old "Desktop" environment and can't figure out how to get back to the Start tiles. (Hint: Move the mouse cursor into the top right corner of the screen, then swipe down to the "Start" button that appears, and click it. On a touch screen, swipe a finger in from the right edge of the screen to reveal the Start button.) The four-minute video has been viewed more than 1.1 million times since it was posted in March. "There are many things that are hidden," said Raluca Budiu, a user experience specialist with Nielsen Norman Group. "Once users discover them, they have to remember where they are. People will have to work hard and use this system on a regular basis." Mace, the software CEO, has used every version of Windows since version 2.0, which came out in 1987. Each one, he said, built upon the previous one. Users didn't need to toss out their old ways of doing things when new software came along. Windows 8 ditches that tradition of continuity, he said. "Most Windows users don't view their PCs as being broken to begin with. If you tell them `Oh, here's a new version of Windows, and you have to relearn everything to use it,' how many normal users are going to want to do that?" he asked. The familiar Windows Desktop is still available through one of the tiles, and most programs will open up in that environment. But since the Start button is gone, users will have to flip back and forth between the desktop and the tile screen. There's additional potential for confusion because there's one version of Windows 8, called "Windows RT," that looks like the PC version but doesn't run regular Windows programs. It's intended for tablets and lightweight tablet-laptop hybrids. Budiu believes the transition to Windows 8 will be most difficult for PC users, because Microsoft's design choices favor touch screens rather than mice and keyboards. Alex Wukovich, a Londoner who tried Windows 8 on a friend's laptop, agrees. "On a desktop, it just felt really weird," he said. "It feels like it's a tablet operating system that Microsoft managed to twist and shoehorn onto a desktop." Not everyone who has tried Windows 8 agrees with the critics. Sheldon Skaggs, a Web developer in Charlotte, N.C., thought he was going to hate Windows 8, but he needed to do something to speed up his 5-year-old laptop. So he installed the new software. "After a bit of a learning curve and playing around with it a bit more, you get used to it, surprisingly," he said. The computer now boots up faster than it did with Windows Vista, he said. Vista was Microsoft's most recent operating-system flop. It was seen as so clunky and buggy when released in 2007 that many PC users sat out the upgrade cycle and waited for Windows 7, which arrived two and a half years later. Companies and other institutions wait much longer than consumers to upgrade their software, and many will keep paying for Windows 7. Many companies are still using Windows XP, released in 2001. Colin Gillis, an analyst at BGC Financial, is optimistic about Windows 8, pointing out that it's snappy and runs well on PCs with limited processing power, making it suited for compact, tablet-style machines. But he also notes that through Microsoft's history, roughly every other operating-system release has been a letdown. Intel Corp. makes the processors that go into 80 percent of PCs, and has a strong interest in the success of Windows. CEO Paul Otellini said Tuesday that when the company has let consumers try Windows 8 on expensive "ultrabook" laptops with touch screens, "the feedback is universally positive." But he told analysts that he doesn't really know if people will embrace Windows 8 for mainstream PCs. "We'll know a lot more about this 90 days from now," he said. - AP todayonline

knowing that i have been a good guy for 2012, santa got me something great a big Thank You to George Lucas, it was really generous of him to give every employee an Iphone 5, ipad 4 and 2 other gifts.. The morning Xmas breakfast was great too. wow, it's really generous as it was extend to intern, contract workers like myself. THANK YOU, woohoo

Local Version of Sadako??

[/size]To All those Born in the 40's, 50's , 60's & early '70s.. The article below was written by Patrick Teoh in his blog "Niamah!!". To All those Born in the 40's, 50's , 60's & early '70s... First, we survived with mothers who had no maids. They cooked /cleaned while taking care of us at the same time They took aspirin, candies floss,fizzy drinks, shaved ice with syrups and diabetes were rare. Salt added to Pepsi or Coke was remedy for fever. We had no childproof lids on medicine bottles, doors or cabinets and when we rode our bikes, we had no helmets. As children, we would ride with our parents on bicycles/ motorcycles for 2 or 3. Richer ones in cars with no seat belts or air bags. Riding in the back of a private taxi was a special treat. We drank water from the tap and NOT from a bottle. We would spend hours on the fields under bright sunlight flying our kites, without worrying about the UV ray which never seem to affect us. We go to jungle to catch spiders without worries of Aedes mosquitoes. With mere 5 pebbles (stones) would be an endless game. With a ball (tennis ball best) we boys would ran like crazy for hours. We catch guppy in drains / canals and when it rain we swim there. We shared one soft drink with four friends, from one bottle and NO ONE actually worry about being unhygenic. We ate salty, very sweet & oily food, candies,bread and real butter and drank very sweet soft sweet coffee/ tea, ice kacang, but we weren't overweight because..... .. WE WERE ALWAYS OUTSIDE PLAYING!! We would leave home in the morning and play all day, till streetlights came on. No one was able to reach us all day. AND WE DON

Hullo bros, I understand that for HDB loans there are no penalty for early redemption. Since home loans are based on reducing principle (right?) would I have paid out same amount based on either scenario below: Scenario A loan 10 years paid up 10 years exactly. Scenario B loan 30 years paid off in 10 years via early redemption. Thanks for advising!

many of them became the richest men in Southeast Asia through hard work and entrepreneurship [thumbsup] Liem Sioe Liong (林绍良) aka Sudono Salim - born in Fujian in 1916 - son of a farmer - ventured to Indonesia at age 20 - owned Salim Group, well-known as Property King - became Indonesia's richest man in the 90s - became targeted by Indonesian rioters during Asian Currency Crisis 97/98 - passed away in 2012 Ng Teng Fong (黄廷芳) - born in Fujian in 1928 - came to Singapore at age 6 - became property tycoon - owned Far East Organisation - Singapore's richest man since 2000s - passed away in 2010 Khoo Teck Puat (邱德拔) - born in Malaysia in 1917 - started as clerk in bank - founded Malaysia Banking - owned Goodwood Group and Goodwood Park Hotel - largest shareholder in Standard Chartered - migrated to Singapore in 1994 - Singapore's richest man in the late 90s - passed away in 2004 Robert Kuok Hock Nien (郭鹤年) - born in Malaysia in 1923 - started as office boy and ventured into sugar refineries - well-known as Sugar King - owned Shangri-La Hotels and Wilmar International - Malaysia's richest man since 2000s Sam Goi Seng Hui - born in Fujian in 1949 - came to Singapore at age of 6 - started with engineering workshop - bought and expanded Tee Yih Jia - well-known as Popiah King - ventured into properties and hotels in China - Singapore's top 11 richest man in 2011 Zia Gokmi aka Dhanin Chearavanont (谢国民) - born in Thailand in 1938 - Father Chia Ek Chor came to Thailand from Swatow, China in the 1920s - ventured into agricultural business - owned CP Group - Thailand's richest man Henry Sy (施至成) - born in Xiamen in 1924 - arrived at Philippines at young age - started by selling used shoes - established departmental store in 1970s - well-known as Retail King - Philippines' richest man in the 2000s George Lien Ying Chow (连瀛洲) - born in Guangdong in 1907 - arrived at Singapore at age of 13 - started as a shipping clerk - founded OUB after WWII - sold OUB to UOB in 2001 - one of Singapore's richest men - passed away in 2004

Just came across TP roadblock at Airport Rd towards KPE at abt 10plus. So early already conduct roadblock. Nowsaday TP very on.

Our members have made a total of 3,038,633 posts We have 93,478 registered members The newest member is Wisemantsp Most users ever online was 61,075 on Sep 30 2011, 05:29 AM

Early morning TP along TPE.....wonder why he stop the biker.....

Timing damm zhun... just nice for short term memory voters to "feel relief" for GE2016 wor

Early in the morning, two mad dogs, nearly cause me to bang into them............. GVGT :angry: http://www.youtube.com/watch?v=MHNgDsye4XU

I am 37years old. Earn 350kpa after tax. Own 2 condo, total value of about 2m. Both under loan. Rental for one paying for itself and a bit more. Car fully paid. Cash in hand and stock current value about 600k. Passive stock income about 24kpa(taxed already) My wife and I will need about 10k pa for retirement. Any advice? This is my genuine situation, would appreciate any advice.

Hi everyone as above i believe many of us had heard its better to pump cold petrol early morning as petrol is more dense than when its hot....very logical right? But recently i started to pump petrol myself and i touch the metal part of the hose which connect to the nozzle and i can feel that its warm! i tried at another station and b4 i start pumping the metal part is cold and during pumping i again can feel the metal part is warm again So i suspect that petrol stations got some sort of equiment to warm the petrol and that in turn let them be more profitable by selling warm and less dense petrol to us What do u guys think? Maybe u guys can try pumping urself the next time and feel for urself?

Hi All I recently changed from Bridgestone RE001 to Dunlop Sport Maxx (not TT). This morning, roads all wet as was raining. I noticed dat with the dunlop, when i jam brake just a bit, the ABD kicks in quite easily. With my RE001, only once did my ABS kick in and that was in a really hard braking situation (in fron of with the 5 cars not so lucky and got into a chain collision, i escaped). Does this mean the dunlops not so good cos lose grip more easily triggering the ABS. Quite scary. All constructive info/opinions welcome. Thanks.

Kinda sad for those affected ones. Xmas round the corner and CNY is not even near to hear this kind of news from the nation papers. Dec 10, 2010 S'PORE MOTOR INDUSTRY Letting go of staff By Christopher Tan, Senior Correspondent For Toyota agent Borneo Motors, the largest distributor here, another round of retrenchment could be around the corner. More than 100 employees have already been let go in two earlier rounds of staff cuts. -- ST PHOTO: CAROLINE CHIA IN WHAT could be a sign of things to come, motor group Cycle & Carriage will let its 20-strong Mitsubishi sales force and administrative support team go after Chinese New Year. The group, which retrenched a number of other employees earlier this year, will be farming out its Mitsubishi franchise to a sub-dealer.

This is definnitely the generation for apple iphone series 4 . However some when far to the extend of queueing up for it outside mobile outlets as early as 6am just to be first in the line to get the hands on the phone???(You know who you are) Fact is , will you go to such extend just to get the latest gadget????? Previously was the first wave for ipad ....heard they interviewing some nerdy guy who is first in the queue on his views ...i was like wtf ????? What are ur take on this fellow bros??? I dun own a iphone but there is one thing i do know... "one can dun earn a higher pay,drive a posh car , go expensive restuarnt, but coming to mobile phones...die die must get the latest model even if one have to starve 2 meals a day just to save ."