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Looks like loan sharks are getting smarter. now everyone will want to take a loan! i'm sure most guys wont mine to be harassed by her @jamesc i think you should look into this! http://mothership.sg/2015/01/this-suspected-female-loanshark-runner-in-spore-can-pour-paint-on-my-front-gate-any-day/ (picture is from Straits times facebook)

Received a text from a malaysian number offering financial services. looks like this is outside the jurisdiction of the DNC. anyway received similar texts?

Its fake but have a laugh ba haha http://therealsingapore.com/content/sg-f16-pilots-use-singlish-stop-us-f15-pilots-listening-during-joint-exercise Being in the Singapore Airforce for many years already. I would like to share with your readers this story of ours which makes Singlish a very powerful and unique identity for us Singaporeans. The Spore air force went to the US to take part in their Red Flag combat exercise. For the first three days, our F-16 pilots, no matter how much they planned and prepared, they were always ambushed by the USAF F-15s. Then they realized that the USAF pilots were eavesdropping on their conversations (not disallowed by the rules), so they switched from plain English to Singlish/Chinese/Malay. Suddenly the F-15s lost their magic, and for the last three days, found no way through the defensive screen set up by our F-16s. So who says Singlish got no use har?

Feeling a bit sore, got massage shop near my office - Looks legit, 11am till 9pm, unisex, seems proper. They give underwear to put on during massage also (every other time the biggest clue I get is improper when they ask you to go bare) Ok, will go and see. About 5 minutes in, I HEARD the guy in the next cubicle ask for "special" massage. Whoops Ok, never mind, I still want my massage Much giggling, he appears to have been quietly satisfied. I get offered towards the end of the massage. How should I decline? I also feel guilty - the girl obviously makes far far more from the special ending than the massage itself. I guess I am a "wasted" chance for her. What do you do when it happens to you? yeah lah, yeah lah....darn stewpid typo...and DON'T go calling it a freudian slip!

The Star Online > Insight down south Saturday October 29, 2011 http://thestar.com.my/services/printerfrie...%20down%20south The Mandarin-speaking strategy INSIGHT DOWN SOUTH BY SEAH CHIANG NEE The PAP has been winning elections since the 1950s because it has commanded the support of many Chinese-speaking middle-class Singaporeans. HOWEVER much the government may dislike the idea, a two-party system is already a reality in Singapore

Anyone is playing the UBID from NTUC? The lowest unique bid will win the weekly prize. Unique means you are the only one to have bid this amount. Each bid will cost you 10 linkpoints. The system allows multiple bids, as long as you have remainingnlinkpoints! This week is diamond ring, next week is Europe holiday,etc. What is the strategy? Anyone care to discuss?

http://www.top-baccarat-info.com/baccarat-strategy.html what ya guys think?

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It appears that Volkswagen wants to dump its premium pricing strategy in order to compete with Japanese competitors in the compact and mid-sized sedan segments in the US. The first step begins with the redesigned 2011 Jetta sedan which will go on sale in October. The new Jetta pricing will start from USD $16,000, down from USD$18,435 for the current Jetta. In addition, the entry-level version is offered with stability control and air conditioning. Regarding the competition, the entry-level 2010 Toyota Corolla starts at USD $16,200 while the base 2010 Honda Civic is offered for $16,405. The Jetta will be the most affordable car from Volkswagen in the United States, slotted below the Golf which starts at USD $18,370. Apparently, the Jetta price was lowered because it is Volkswagen

guys, you all should try this. Im impressed by their marketing strategy on the web. http://www.verbatim.jp/senshuken/

If you have decided on your bid range, what is the right bid price that should you put in? This is critical since you may have to wait for the next bidding exercise if your failed bid is just short of a few dollars or worst case $1. And you may not be near an ATM to revise your bid near the closing. Lucky digit 8 has only won once in this year while digit 9 has won 16 times. Read on to find out why ... Here's my analysis of the lowest winning bid prices in 2009 at my blog post Lucky Bid Price.

I am looking for good strategy games like oil tycoon, oil tycoon 2, monopoly tycoon. Have not tried any of these so any personal reviews appreciated as I dont want to waste my $ and time to realise a lousy product ... Thanks....

I've been thinking. Now that COE has plunged to really almost zero. Maybe it is time to review car buying strategy. Cars in the past with the higher COEs (25-30k) have a higher intrinsic value thanks to COE. So even cars with a low OMV will have a higher intrinsic value. Now that COE has dropped, the intrinsic value of a car now not rests with COE but with its OMV. So those with cash now, I mean lots of cash and would like a brand new car should aim for the cars with higher OMV. Next thing to consider is that banks now hold on to their cash tightly. So to get a 100% loan is now next to impossible. Even overtrade is taboo. They now demand 20% downpayment to secure a loan. Please note that this was a legal requirement in the past but they are given free play in this area so this is not a legal requirement but their requirement. Now if you have SGD 10k, would it be a better strategy to deposit this 10k with LTA to bid for the COE yourself. Granted that it will be low for the next few biddings. Note that if you deposit the 10k with LTA and the COE is SGD200, LTA takes 200 but returns you the SGD9800. Bargain with the car dealer. Tell him that you are bidding for the COE yourself. Ask him to offer you the best price sans COE for the car. Any comments on such a method?

Home > ST Forum > Online Story Feb 21, 2008 " MUCH talk has gone on about transport woes and solutions in the last three weeks with great energy, ideas and discussion surfacing from the many writers writing in and participating on the web. Let me put together some views and a personal reflection from these collective thoughts. Motorist caught in a Catch 22 situation Let me quote Dr Lim Boon Hee (Feb 7): To avoid paying electronic road pricing (ERP) charges, motorists use collateral roads but once the latter becomes congested, another gantry is erected to speed up traffic. It appears we have a Catch 22 situation. This is a paradox in practice in which we become a victim regardless of the choices we make. In another case, we are encouraged to take the MRT through giving up our cars, and when we do that the MRT is already at its peak (http://www.straitstimes.com/Free/Story/STIStory_203506.html ), and we are 'left stranded on the platform'. Yet we are stuck with an ERP hike. The Emerging Consensus The views of Amos Toh (Feb 7) are indeed relevant: That our solution seems short term and that we are using the ERP to firefight. Let me quote him: Higher ERP charges would certainly result in immediate traffic improvement but the current situation may resurface in the long run if improvements to the public transport system are not made urgently. Chris Yong Yoon Kwong (Feb 6), as with several other e-contributors, recommends adopting a holistic approach in easing traffic jams. He reaffirms the need that the solution is not in using ERP hikes repeatedly but to work with other measures and facilities concurrently. Many online writers agreed. I concur. The solutions here is to look holistically with a set of initiatives, rather than looking at what was done last year that relieved the pressures somewhat, so we do the same this year (since it seemed to have worked), and so will it be the following year. Financial Stick Culture There is a strong agreement and dislike from several writers that Singapore seems to favour the 'financial stick than the carrot despite public transport still remaining a poor alternative to private cars', said one of the e-writers in ST Forum and being made to think it's for our own good. In my opinion, if this becomes an accepted value system and the financial stick is accepted as 'the way to go' in Singapore, we will soon find a gantry on every road. After all, it's 'easy money' from ERP, COE, ARF and what-have-you to build the next second generation gantry. Perhaps paying top dollars to an independent traffic/transport planning consultant to integrate the many initiatives and 'lost carrots' (see point below) may be a better use of this money than new gantries, GPS technologies, enforcement methods, etc; otherwise, we will one day find an ERP gantry at our doorstep. An ERP gantry at our doorstep? Can this happen? Think again, as what Hume Park residents found out as they rolled down Hume Avenue one morning. Turning right into Upper Bukit Timah Road, they were faced with a live ERP gantry, despite the lack of alternatives or MRT lines there. One resident commented after looking for alternatives.... 'Pay lah!' What can you do? It can happen to any estate or suburb. I raised this as an issue because it does seem a good example of a fast solution to a crowded road situation. If that's 'the way to go', we don't need to think much more for a better solution. What next? The ERP City (ST, Feb 9) Quote: >>'The next-generation ERP system is intended to have the capability to charge based on distance travelled along congested stretches of roads.' >>'A distance-based system will need to track movements of all vehicles accurately and that is where Global Positioning System (GPS) technology comes in.' Unquote Dr Chin Kian Keong Chief Engineer, Transportation Land Transport Authority e-Writers Comments: >>The truth is: ERP + GPS system = Driver pays more for new technology used that looks good and can claim some first in the world of traffic. >>Built-in speed trap function? >>Cost of business goes up >>Singapore, the driving circuit for the rich. >>Error in focusing solely on traffic engineering, rather than traffic management >>Hope we don't discover one day that frequent passing under these gantries' activating our IU units is not the cause of high incidence of cancer or infertility. Are all cities alike? This, too, has been frequently used to justify ERP hikes. London has an entry toll, New York is following us, and therefore we must be right, reinforcing the 'Village Venus Effect'. (see below) ... and justifying the ERP hike. I personally feel, we should be careful when using comparatives to expediently justify our actions as no two cities are alike. Nor should we stake our claim that we are so right that even New York or London follows us. Each city is unique and hardly the same. But since the cards have been opened, let me share my view. New York has 19 million people, traffic jams are common, and most are driven to public transport as a natural alternative. Despite their woes, they have yet become the top financial centre in the world. They never used the financial stick when they were smaller. We are 23% their size but use this as the first choice. Over the years, New York has developed some world-class transport infrastructures. The New York City Subway is the largest rapid transit system in the world when measured by the number of stations in operation, with 468. Its annual ridership is 1.4 billion passenger trips in 2005 and nearly all of the system remains open 24 hours per day. It has the longest suspension bridge in North America, the world's first mechanically ventilated vehicular tunnel, more than 12,000 yellow cabs, and an aerial tramway that transports commuters between Roosevelt Island and Manhattan. They may have something we can learn from in managing a gigantic city. Yet we only chose to say they will be taking up the financial stick like Singapore soon. If we look at Perth (hitting 2 million recently) free bus transport in and into the city has been in use for over five years. It has reduced the congestion somewhat. Their Park & Ride programme is so effective that they sometimes cannot find a spot to park. The pleasantly cool weather also allows for long walks to the trains. But the city sprawls out and thus, personal transport is more demanding as not all parts can be reached by public transport. They have problems different from Singapore. From the city centre to Joondalup suburb, just 26km north, is likely the distance from Singapore city centre to Woodlands, while the southernmost suburb Mandurah is some75 km away, doubling the length from Changi to Tuas at 42km. The city is one of the fastest growing in Australia with property prices equal to Sydney's. Another e-contributor mentioned that Texas uses an RF card with an encrypted code attached to the windshield with adhesive. When the car goes under the gantry, the ID of the RF card is read and funds deducted from an account held by the Toll Authority. One can easily update his funds by Internet via credit card or bank deduction. One may also have an 'auto-update' option. Melbourne has a somewhat similar system on a main highway but not the collateral roads. Singapore has a system but not the only one in the world. Other cities choose to approach their problems in different ways and uses fiscal means as a last resort or only on selected main highways, as in Melbourne, but with lots of collateral roads toll-free and allowing for some tolerance and market forces to manage these roads. It becomes a choice for them to choose a slower road for free or a faster one, the highway and pay the price. The 'Village Venus Effect' Is this where our problem lies? I believe many here feel we have a great ERP system. As a result it has caused planners to have the 'Village Venus Effect'. As highlighted by Edward De Bono, a very familiar name in Singapore, it is 'one of the errors hindering creative thinking'. He explains his story. Quote: Like the villagers who think that the most beautiful girl in the world is the most beautiful girl in their village, the thinkers began believing that there is no better solution other than that he has already found. This blocks creativity. Not only individuals but societies and even the whole mankind sometimes fall prey to this error. Unquote. The 'Lost Carrots' approach. Ideas gone unnoticed. In today's postmodernism era, the stick culture will draw people further away from the government. The carrot culture in responding to the postmodernist society on the other hand would seem more therapeutic and thoughtful, drawing people together to appreciate a common cause. These 'carrots' below are not exhaustive, but it leans towards being considerate, allowing for options, an offer of a helping hand to ease their woes, and thus, 'you' will be missing out on benefits and savings if you continue your old driving habits once these are in place. This would appeal to the people more and seem less arrogant. Let me elaborate. 1. Re-introduce the Park & Ride scheme with attached facilities Build multi-storey car parks above MRT lines or designated adjacent sites for Park & Ride commuters with sheltered and linked walkways, use of escalators and travellators, air-conditioned, so you don't sweat before reaching your office. A similar Park & Ride ex-Newton Circus scheme is doomed to fail unless proper underground walkways, aircon and planning routes to the MRT are designed into the plan. 2. 'Incentivising' Park & Ride Improving and 'incentivising' the Park & Ride schemes with very attractive rates or free for Park & Ride commuters parking for seven hours or more. They don't have to start at the same time but hundreds of cars will be off the roads and freeing up road space during each block. Short-term parking continues as normal. 3. Distribute parking loads >>Decentralise the Park & Ride locations to several stations. Charge less for Park & Ride locations farther away from the city to distribute parking loads >>Free MRT rides from these stations for Park & Ride commuters linked cards into the city to initially change behaviour patterns and make it worthwhile for drivers to make that switch or experience the cool convenience and savings for the 'Park & Ride-MRT' or 'Park & Ride-BUS' link. The latter to places in the city, not services by the MRT. 4. Review ERP Policy & Practices >>ERP rates could go up within the CBD when these alternatives arrive. >>The speed on collateral roads need not match the speeds of expressways proportionately and should allow people the choice of using the slower collateral roads or take the faster highways and pay the price. But with Park & Ride schemes and as a result many cars are off the roads, the collateral roads may not be so bad. >>Take a holistic approach and put money for an independent professional transport planner, free from any 'pressures' and past inhibitions to find the holistic solution with a mandate to integrate facilities and not find new fiscal measures and investments into new ERP/GPS technologies to curb and penalise usage. >>Let's shoot to be revenue neutral and put money from the ERP, COE and ARF, etc, back into the system like the Park & Ride scheme than building new infrastructure for ERP gantries, GPS research and implementation, speed monitors paired with ERP technology, enforcement methods, maintenance, etc. >>Focus on policies to change habit and 'carrotising' new behaviours, changing mindset than penalising old habits. 5. Other measures >>Working from home, with a government driven campaign to set the culture in place. Perhaps 40-50 per cent or more of executive level workers who drive spend the first hour or two of their workday dealing with e-mail. They could do this at home and come to office later without feeling guilty or victimised. Moreover, in this present technological age, with web cam and Skype, VoIP, etc, and with monitoring devices, it only takes a mindset change and identifying the criteria to qualify them for the scheme. Every little change will redistribute the traffic load. >>Staggered work hours, schools and timings to maximise transport resources. This has far wider implications. Let's put our best minds and talent pool to it. And I am sure more ideas can and will come up through organised meetings with the dedicated consultant with this mandate, and those who drive to work. These are ideas, motivators to change behaviour and provide alternatives collected from the ST e-Forum pages as well as personal ones, and will still need fine-tuning. They can work collectively but certainly not in isolation, nor having ERP working on its own. They are bold challenges and a major government decision that needs to be orchestrated, customised and adapted along the way with ideas and leadership from the talent pool in our government. I hope this letter might start the ball rolling. In Closing From the issues raised, it is good to reflect and ask 'Does the shoe fit, so far?' Which parts? Others might have different views from their on-the-road experiences that could be added on. Perhaps going back to the lost carrots can rekindle the rationale of reviewing an overall plan to integrate transport and relieve it of its woes, than to continue using the same hose on a growing fire. Or perhaps consider a transport planning specialist to overcome the 'Village Venus Effect' that can help 'sharpen the saw' and manage the problem more effectively. This is from an analogy of a woodcutter who kept dragging his saw through the tree trunk without making much progress till an outsider (a consultant in this case) suggested to him to stop and sharpen the saw. To which the woodcutter replied: 'Can't you see I am so busy. (...building a world class ERP city?). Where can I fine time to sharpen the saw?' In rounding up, lets 'begin with an end in mind' (Source: Stephen Covey) with regard to the outcomes we want, and work backwards to what we must do today. To be a world-class ERP city or .... To have a world-class integrated transport infrastructure that works. Whichever is the legacy we leave behind and be proud of, determines how we deal with the problem today. In closing, I wish to thank the many writers' comments whom I have adapted for this letter and my apologies for not seeking their permission first as I have no means to contact them. We can always 'meet' again on the web. " Rodney Wong Yu Hock RODNEY

prices going up ! getting new car but arrival in june. dealer pegs coe rebate at $12K, but encourages me to bid immediately at $15K to "hedge" against price increase come June. 2 bids to go... what do you guys think ?