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Singaporean professional in his 30s neck-deep in debt

income - (savings + investments) = expenditure

tsk tsk tsk...
 
actually, come to think of it, his behaviour has been engineered in the process of sinkie development, typical pap products. most sinkies want to feel good after going thru years of study and nsf.
in the past, i believed many nsf sinkies were introduced to MLM schemes nearing ROD period.:D
 
actually, come to think of it, his behaviour has been engineered in the process of sinkie development, typical pap products. most sinkies want to feel good after going thru years of study and nsf.
in the past, i believed many nsf sinkies were introduced to MLM schemes nearing ROD period.:D

You have a choice, be a debtor or creditor. Be a MLM team lead or MLM follower. You want to smoke people or let people smoke u.

If you are fat and stupid like RUN, it's ok if you are male.
If you are chio and stupid, it's ok if you are female.
 
you got brains. dun feel bad about yourself...

You have a choice, be a debtor or creditor. Be a MLM team lead or MLM follower. You want to smoke people or let people smoke u.

If you are fat and stupid like RUN, it's ok if you are male.
If you are chio and stupid, it's ok if you are female.
 
actually, come to think of it, his behaviour has been engineered in the process of sinkie development, typical pap products. most sinkies want to feel good after going thru years of study and nsf.

I am the product of the PAP and a huge supporter of the party too. However, apart from a mortgage, I have never borrowed money in my life and have always kept expenditure well within my means.

The PAP taught me to be prudent. That's why the PAP is the best.
 
I am the product of the PAP and a huge supporter of the party too. However, apart from a mortgage, I have never borrowed money in my life and have always kept expenditure well within my means.

The PAP taught me to be prudent. That's why the PAP is the best.

A good PAPfollower is one who is willing to be enslaved by debts for the sake of owning an inflated car or property, so that he will obediently work hard and serve his NS to protect his indebted assets. If you accidentally scratched the car of one such follower........trust me, he will bash u up as if you fucked his wife.
 
yes, pap is the best, just like you are a hero...

I am the product of the PAP and a huge supporter of the party too. However, apart from a mortgage, I have never borrowed money in my life and have always kept expenditure well within my means.

The PAP taught me to be prudent. That's why the PAP is the best.
 
I am the product of the PAP and a huge supporter of the party too. However, apart from a mortgage, I have never borrowed money in my life and have always kept expenditure well within my means.

The PAP taught me to be prudent. That's why the PAP is the best.
I had seen your CPF statement, you are indeed my hero.
 
singapore-dreaming-2009508292.jpg
 
I am the product of the PAP and a huge supporter of the party too. However, apart from a mortgage, I have never borrowed money in my life and have always kept expenditure well within my means.

The PAP taught me to be prudent. That's why the PAP is the best.

Boss we know you like to show off. But i know you r the kind type that is willing to help those in need. People like me.... who can help you in return to spend your money.and without remorse when every cent is used. So how about it.
 
Boss we know you like to show off. But i know you r the kind type that is willing to help those in need. People like me.... who can help you in return to spend your money.and without remorse when every cent is used. So how about it.

I am not showing off because I attribute any success that I have to the PAP. I take no credit whatsoever.

Without the PAP, I would be penniless and an abject failure in life. However, the PAP helped me make my life so much better. For that, I will be forever grateful to LKY and LHL.
 
I am not showing off because I attribute any success that I have to the PAP. I take no credit whatsoever.

Without the PAP, I would be penniless and an abject failure in life. However, the PAP helped me make my life so much better. For that, I will be forever grateful to LKY and LHL.

ok you not showing off but you will b rewarded with 99 virgins in your after life if you do your part to help the needy ones like me now.

think about it.
 
I am not showing off because I attribute any success that I have to the PAP. I take no credit whatsoever.

Without the PAP, I would be penniless and an abject failure in life. However, the PAP helped me make my life so much better. For that, I will be forever grateful to LKY and LHL.


Without White Scums there would have been no need
For the best and brightest to upgrade to other places
In order to better realise their full potential
You have yet to be completely Unsinkified
Remember to book a place for your corpse
In eternal freezer for travel at warp speed


[video=youtube;XQQYbKT_rMg]http://www.youtube.com/watch?v=XQQYbKT_rMg[/video]
 
I am not showing off because I attribute any success that I have to the PAP. I take no credit whatsoever.

Without the PAP, I would be penniless and an abject failure in life. However, the PAP helped me make my life so much better. For that, I will be forever grateful to LKY and LHL.

I remember initially your story of 800k cpf savings belongs to your relative. Don't know why Later the story becomes yours.
 
You have a choice, be a debtor or creditor. Be a MLM team lead or MLM follower. You want to smoke people or let people smoke u.

If you are fat and stupid like RUN, it's ok if you are male.
If you are chio and stupid, it's ok if you are female.

some people doesn't know how to make a choice..they use their untrained emotion to decide the best for their temptation and pleasure.
 
I am the product of the PAP and a huge supporter of the party too. However, apart from a mortgage, I have never borrowed money in my life and have always kept expenditure well within my means.

The PAP taught me to be prudent. That's why the PAP is the best.

Membership has its privileges. Not everyone can suck up to the PAP, especially when you have integrity. :D
 
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