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@Cestbon, What you are talking about is more to investment, investment linked type of insurance and unit trust. 1) No it's not. Life insurance make use of your money to invest is real investments and actually give you back profits. Ponzi doesn't. 2) Agent got to eat, company have to...

Bro Troll, this is so not true. 1) Agent's commission is only entitled for the first few years and, depending on the type of plan you bought, most of the time it's less than 50% of the premium. 2) Only 10% of the profit is paid to shareholders and the rest is paid to policy holders for...

Erm... We shouldn't think that they are all sinkies, right?

Anybody who have problems paying the conservancy fees, go talk to the Town Council and let them know your difficulties. Usually they will help. Yeah, even in PAP TC they will help you. But of course, they will not waive off the whole thing. If you chock up a few months outstanding, probably...

If i bring in ancient alien theory here i'm going to be weck by a lot of people, right? :p

** delete **

Yeah, milk powder is the most expensive items during the first few years (apart from diapers and medical).

Erm... I don't belong to the vinyl era. I'm from the cassettes era. :D These old vinyl are left over from my parents' business. They used to own a retail shop selling records and cassettes. I just thought that vinyl not so easy to make.

Why God create dinosaurs?

Oh... didn't vinyl also can pirate one. lol yeah i think i'll just throw them away.

Oh... its all old chinese songs, even got chinese opera. :D

I also dunno lei :P Let go and check...

I have some old vinyl records dunno what to do with it (other than throw away). But I know some people are still into it. Any bro here want?

Bro hokkien, why ah cha ko is call ah cha ko? Doesn't sound like any hokkien words leh :confused:.

Yeah, I know phone communications is quite difficult to trace due to overseas diverting and unregistered mobile line. But the question is whether they got try or not. Further more, I'm very sure by following the money trail they should be able to yield something. Another words is "ai ga mai nia"...

Is there no way to catch loanshark? SPF can send under covers to act as borrowers. Trace phone communications and follow the money trail. I'm sure technology is there to do it. Sure, it's not easy to catch the head of heads but this way sure can catch alot of people and understand how...

So that one day he can return to contest in Presidential election?

I dunno whether it's just my imagination or what. But I watched the recent videos and GE2011 videos of KJ, he seems to changed alot in appearance and speach. He looks and sound like JBJ now.

:mad: Pantene! At the last part where she was performing with the broken violin, I was thinking "CB, indoor place the hair also can fly until like that...". Then at the end I was like -_- ok... she used Pantene.... Nice commercial I really like it. I did not take notice of the video title...

Do our schools still provide free dental to students now?