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Guys, If you look at the benefit illustration, it is based on 'nominal interest rate of 5%'. You might as well go read a fantasy novel. U.S. 10-year notes yield is less than 2%. Singapore Govt bonds less than 3%. How to get 5% ? Depend on the equity funds ? Many people who buy...

I noticed a pattern. Let me post it Streetsmart style here: 1) The hedge funds and investment banks will load up on a speculative instrument. 2) After they do, they will feed the information to their private banks (e.g. JP Morgan Investment Bank to JP Morgan Private Bank). 3) The...

I think you are wrong about the welfare situation in china. The older folks who worked in govt-owned enterprises have pension plans, but for the younger generation, they are on their own. They have to take care of their own retirement by participating in pension plans managed by insurance...

Nowadays, product designers and manufacturers are not too keen to make home appliances that last too long. How else are they going to increase the volume ? We ought to change our expectations. For refrigerators, get japanese brands. Mitsubishi is tops. The high-end ones are made in...

As a blackjack banker, I allow players to close their cards. They can: 'zhao gai' = hold less than 16 points (cards are all closed), betting that the banker comatose 'ngo leng' = 5 cards total 21 or less, pay double 'triple 7' = pay triple

I think I'm educated because I am banker. Everytime I play blackjack, I am the banker. When I play baccarat, I bet on banker too.

The beer there is really cheap. About RMB 3.50 for a can of beer, slightly more expensive than their soft drinks. But of course, I am aware that I am ingesting lots of arsenic, lead, cadmium, mercury and other toxic heavy metals when I stay over in China for vacation.

I think no-porn Lui is both bipolar and schizo. Kong wu kong boh. Vocalizing his thots like IMH patient. Might as well don't open his donald duck mouth.

I support our local kelings. Those hindi-speaking pundeks can fuck off from Singapore.

Nicole Seah is prettier by a mile. Nicole has the face to launch a thousand dicks. Nicole for parliament !!! :D

<iframe width="640" height="360" src="http://www.youtube.com/embed/SRtABfTTv4I?feature=player_detailpage" frameborder="0" allowfullscreen></iframe> This one ? 邱淑貞 I think Nicole Seah is prettier :D

Need to burn 3 joss sticks or not ? :D

Your tale brings back memories of a chick I used to bed She too yearned for carnal excitement and chance to get laid Giggling and blushing as she glared at my big obtrusive boner Multiple orgasms later, ‘low bat’ in my implanted cardio-pacemaker

Two women go out one Saturday night without their husbands. As they came back, right before dawn, both of them drunk, they felt the urge to pee. They noticed the only place to stop was a cemetery. Scared and drunk, they stopped and decided to go there anyway. The first one did not have anything...

A kid comes home from school and says to his mom, "Mom I've got a problem." She says "Tell me." He tells her that the boys at school are using 2 words he doesn't understand. She asks him what they are. He says "well, pussy and bitch". She says "Oh that's no big deal, pussy is a cat like our...

ok ok, you touch Nicole. I go touch Lily Neo. Swee boh ? :D

One fine day, can I touch Nicole's neh neh ? :D Sure song song gao julong one :D

If in Singapore don't drink water from the tap, then drink what ? I think all the bottled mineral/distilled water are also from the tap. Same for canned and bottled soft drinks. So what is the alternative ?

Fuck PAP !!! :oIo:

LKY has done a few things for Singapore. His most notable is transforming Singapore into a garden city through his conscious effort, during the development years, to plant tropical trees of all varieties along the streets and roads. In China, it is written in their geography textbooks and...