Lace Bib Chiffon Blouse in Pink OR Jade
OR Lace Insert Embroidery Tunic in blue?
Friday, April 29, 2011
Thursday, April 28, 2011
I miss my Mr Lai.. :(
I envy those couples who stay near to each other.. I know some couples meet almost EVERYDAY, from schooling life to working life ..
For us, we WORK FAR away, STAY FAR away from each other (each at the end of EAST-WEST).. so usually can only meet weekends..
But I know for us, we can have our own space, meet own friends etc
THOUGH I thought I should be used to it by now.. I still misses him
I am always waiting for my weekends to be with him.
Distance and Time will not be a barrier, it will only make US STRONGER!
we have survived various periods of absence, distance over the last 7+ years.
we will make it through!
I envy those couples who stay near to each other.. I know some couples meet almost EVERYDAY, from schooling life to working life ..
For us, we WORK FAR away, STAY FAR away from each other (each at the end of EAST-WEST).. so usually can only meet weekends..
But I know for us, we can have our own space, meet own friends etc
THOUGH I thought I should be used to it by now.. I still misses him
I am always waiting for my weekends to be with him.
Distance and Time will not be a barrier, it will only make US STRONGER!
we have survived various periods of absence, distance over the last 7+ years.
we will make it through!
Wednesday, April 27, 2011
Flat and Maths
Mah Bow Tan: New HDB flats affordable to most Singaporeans
Despite growing public perception that the prices of new HDB flats are becoming exorbitant for first-time home buyers, PAP Housing Minister is adamant that they are still ‘affordable’ to the majority of Singaporeans.
He also lavished generous self-praise on the PAP regime’s efforts to keep housing ‘affordable’ to young couples.
“Most buyers of new flats need to fork out little or no cash to pay for their homes. Eight in 10 couples who bought new flats last year used only a quarter or less of their salaries to service their home loans, which means their Central Provident Fund (CPF) contributions can cover almost all their monthly mortgage payments,” he proclaimed at a press conference at Tampines East Community Club.
Though buyers of new flats may fork out little cash, most have to take up thirty year bank loans to finance their HDB flats.
While the median income of an average Singapore worker has remained stagnant at $2,500 monthly, the prices of HDB flats have almost doubled since 2006.
“With all this in place, you would get a flat with zero deposit. Now how many housing ministers in the world can say what I’ve just said?’ On top of that, a new HDB flat is not ‘any ordinary, low-quality flat’, but ‘a good-quality flat, a flat in a good environment”,added Mr Mah.
Mr Mah forgot to add that HDB flats are merely 99-year leasehold flats owned ultimately by the PAP regime and that buyers are merely ‘leasing’ them from HDB for a period of 99 years.
On the issue of Singapore PRs being responsible for jacking up the prices of HDB flats, Mr Mah insisted that their impact is ‘small’ though PRs make up some 40 percent of the buyers in the resale market, according to some housing agencies.
PAP strongman Lee Kuan Yew announced lately that Singapore still needs 900,000 foreign workers on work permits and the number does not include those on S and E passes who are potential Singapore PRs and citizens in the making.
http://www.temasekreview.com/2011/04/26/mah-bow-tan-new-hdb-flats-affordable-to-most-singaporeans/
**********************
I just did alittle maths with the help of financial calculators found in HDB website, assuming flats nowadays cost 350K for a 4 room(ave)
assuming no AHG (capped at 5K combined income)
deduct 50K from Ordinary CPF (ave)
=300K(payable over 30yrs)
=around 1.2K/mth for CPF installment
=>5K/mth combined pay needed
so it means bf and I need to earn >2.5k/mth EACH to afford a midlevel flat in a non-matured estate comfortably WITHOUT using cash at all to pay for the housing installment
***********************
Calculators that I used
HDB website
CPF website
Despite growing public perception that the prices of new HDB flats are becoming exorbitant for first-time home buyers, PAP Housing Minister is adamant that they are still ‘affordable’ to the majority of Singaporeans.
He also lavished generous self-praise on the PAP regime’s efforts to keep housing ‘affordable’ to young couples.
“Most buyers of new flats need to fork out little or no cash to pay for their homes. Eight in 10 couples who bought new flats last year used only a quarter or less of their salaries to service their home loans, which means their Central Provident Fund (CPF) contributions can cover almost all their monthly mortgage payments,” he proclaimed at a press conference at Tampines East Community Club.
Though buyers of new flats may fork out little cash, most have to take up thirty year bank loans to finance their HDB flats.
While the median income of an average Singapore worker has remained stagnant at $2,500 monthly, the prices of HDB flats have almost doubled since 2006.
“With all this in place, you would get a flat with zero deposit. Now how many housing ministers in the world can say what I’ve just said?’ On top of that, a new HDB flat is not ‘any ordinary, low-quality flat’, but ‘a good-quality flat, a flat in a good environment”,added Mr Mah.
Mr Mah forgot to add that HDB flats are merely 99-year leasehold flats owned ultimately by the PAP regime and that buyers are merely ‘leasing’ them from HDB for a period of 99 years.
On the issue of Singapore PRs being responsible for jacking up the prices of HDB flats, Mr Mah insisted that their impact is ‘small’ though PRs make up some 40 percent of the buyers in the resale market, according to some housing agencies.
PAP strongman Lee Kuan Yew announced lately that Singapore still needs 900,000 foreign workers on work permits and the number does not include those on S and E passes who are potential Singapore PRs and citizens in the making.
http://www.temasekreview.com/2011/04/26/mah-bow-tan-new-hdb-flats-affordable-to-most-singaporeans/
**********************
I just did alittle maths with the help of financial calculators found in HDB website, assuming flats nowadays cost 350K for a 4 room(ave)
assuming no AHG (capped at 5K combined income)
deduct 50K from Ordinary CPF (ave)
=300K(payable over 30yrs)
=around 1.2K/mth for CPF installment
=>5K/mth combined pay needed
so it means bf and I need to earn >2.5k/mth EACH to afford a midlevel flat in a non-matured estate comfortably WITHOUT using cash at all to pay for the housing installment
***********************
Calculators that I used
HDB website
CPF website
Tuesday, April 26, 2011
Even after all this time,
The sun never says to the earth,
"You owe me."
Look what happens with
A love like that.
It lights the whole sky.
The sun never says to the earth,
"You owe me."
Look what happens with
A love like that.
It lights the whole sky.
************************
“Never idealize others. They will never live up to your expectations. Don't over-analyse your relationships. Stop playing games. A growing relationship can only be nurtured by genuineness.”
“Never idealize others. They will never live up to your expectations. Don't over-analyse your relationships. Stop playing games. A growing relationship can only be nurtured by genuineness.”
3 OFF Days in April+May!
Easter day
Fri 22th April
Labour Day
1st May substituted by 2nd May (MON)
Polling Day
7th May- eligible for Off-in Lieu within a month
Vesak Day
17th May
Fri 22th April
Labour Day
1st May substituted by 2nd May (MON)
Polling Day
7th May- eligible for Off-in Lieu within a month
Vesak Day
17th May
Monday, April 25, 2011
Easter weekends~
Fri 22nd APril
SENTOSA!
Sat 23rd April
IKEA with mum and Dear~
Sun 24th April
ZOO!!! with dear~
selected pics with US :) the rest in facebook
SENTOSA!
Sat 23rd April
IKEA with mum and Dear~
Sun 24th April
ZOO!!! with dear~
selected pics with US :) the rest in facebook
Thursday, April 21, 2011
For Eternity
Eternity rings are becoming increasingly more and more popular, and for good reason. An eternity ring is more than just a ring. An eternity ring symbolizes something. It symbolizes eternity. It symbolizes everlasting love. It tells someone that you love them forever. If the diamonds go all the way around, then it symbolizes how your love is a continuous circle that never ends. When you give an eternity ring, you really are saying how much you cherish someone and it is like a promise that you will always feel the same way about them. Eternity rings are so popular because the recipients will remember how you feel each and every time that they look at their beautiful eternity ring.
Some people believe that each stone symbolizes something about their relationship. Come up with something romantic that each stone represents when you give the eternity ring. One could be for the day you met. The next can represent your first kiss. One diamond can represent you falling in love. One can be for your wedding day. The next one or more can represent each of your children. If you do not have children yet, or if you just want to make a statement about your life ahead, you can leave some stones to represent your future that has not happened yet. Then, as you make your memories together you can name the next stone to symbolize its importance to you as a couple.
Eternity rings make great gifts for many occasions. The birth of a child can really spark a flood of new emotions and mark a special time in a couple's life. An eternity ring can represent this new life that you are embarking on together. Eternity rings make very beautiful wedding bands. Eternity rings compliment almost every engagement ring. The timeless beauty and simplicity of the eternity ring will ensure that you never grow tired of the style of your eternity ring. The sparkle and beauty of an eternity ring far surpasses that of traditional wedding bands.
There are two types of eternity rings to choose from. Full eternity rings have diamonds (or other stones) that go all the way around. These are very beautiful rings with the maximum amount of sparkle. They sometimes cost a little more than half eternity rings because they have to be custom fitted. You can not buy a full eternity ring and have it sized later, because of the stones going all the way around. Some people prefer the full eternity rings because they symbolize the eternal circle of love that they have for the recipient.
Half eternity rings have the stones only on top of the ring. Having exposed precious metal on the bottom of the ring makes it possible to have it sized. Another benefit of the half eternity ring is that you can put bigger stones in it. This makes for a more dazzling display of diamonds (or other stones). Some believe that half eternity rings are slightly more comfortable, but jewelers keep comfort in mind when designing both types of eternity rings, so feel free to pick the one that you are drawn to. Keep all of these things in mind when selecting the eternity ring that is right for your special someone. You are sure to have a special moment in the giving of your eternity ring, followed by a lifetime of love and memories.
Some people believe that each stone symbolizes something about their relationship. Come up with something romantic that each stone represents when you give the eternity ring. One could be for the day you met. The next can represent your first kiss. One diamond can represent you falling in love. One can be for your wedding day. The next one or more can represent each of your children. If you do not have children yet, or if you just want to make a statement about your life ahead, you can leave some stones to represent your future that has not happened yet. Then, as you make your memories together you can name the next stone to symbolize its importance to you as a couple.
Eternity rings make great gifts for many occasions. The birth of a child can really spark a flood of new emotions and mark a special time in a couple's life. An eternity ring can represent this new life that you are embarking on together. Eternity rings make very beautiful wedding bands. Eternity rings compliment almost every engagement ring. The timeless beauty and simplicity of the eternity ring will ensure that you never grow tired of the style of your eternity ring. The sparkle and beauty of an eternity ring far surpasses that of traditional wedding bands.
There are two types of eternity rings to choose from. Full eternity rings have diamonds (or other stones) that go all the way around. These are very beautiful rings with the maximum amount of sparkle. They sometimes cost a little more than half eternity rings because they have to be custom fitted. You can not buy a full eternity ring and have it sized later, because of the stones going all the way around. Some people prefer the full eternity rings because they symbolize the eternal circle of love that they have for the recipient.
Half eternity rings have the stones only on top of the ring. Having exposed precious metal on the bottom of the ring makes it possible to have it sized. Another benefit of the half eternity ring is that you can put bigger stones in it. This makes for a more dazzling display of diamonds (or other stones). Some believe that half eternity rings are slightly more comfortable, but jewelers keep comfort in mind when designing both types of eternity rings, so feel free to pick the one that you are drawn to. Keep all of these things in mind when selecting the eternity ring that is right for your special someone. You are sure to have a special moment in the giving of your eternity ring, followed by a lifetime of love and memories.
Wednesday, April 20, 2011
The 12 Chinese Zodiac Sign
Rat – this is the first Chinese zodiac sign that represents action.A rat is clannish in a word. it is frequently a star performer in social gatherings, but they are much rather want to spend their time with those only few people that they only allow with their inner circle.
Ox – this is the most dependable of all zodiac signs.once the ox will sets its sights on specific course of action. it would impossible to make the ox waver from its set of path.
Tiger – not like other sign, this is the most adventutous and courageous that was born to be a leader. If a person is under with this zodiac sign, he is not afraid to blaze new trials and all the independent treak given to him.
Rabbit – known as the peice maker than the other sign.The rabbits love peace nad their creature comforst. it generally avoid any kind of argument, and it dont have a doubt to have an excellent diplomac skills.
Dragon - he is the visionary with grandiose goals above all of them. It is not only decisive but when it comes to decision making, tenaciously holding onto the idea just to fulfill the dreams.
Snake – this zodiac sign is depth and charisma that makes him more formidable presence. Tend to spend more time in the head, but not a worrier. It will just rather past its quite time in reflection and contemplation.
Horse – It is the popular literature in the West that speaks of men from mars and women from venus. It is the complementary sign associated with male. The horse is a fun member of any team, its more independent and loves to be around with many people.
Sheep – this is the one that symbolizes altruism and female persona. Tend to be a gentle hearted person. Being warmest, loving and tender is what the sheep has.It has a good heart and genuinely cared about others.
Monkey – this was symbolizes fun and versatility. It is likely unpredictable, witty and charming, it was also engineered to make the rest happy.They tend to spend lot of time in the head. They are also a quite clever but naturally curious.
Rooster – it will tell you whats on thier mind.They are frank when speaking, and they have wry sense of humor, it means it has a clever and often ironically or grimly humorous.
Dog – this was symbolizes honor and justice. They are the sign that speak out about wrongs in the world and call for justice. It has a strong sense of fair play and usually forthright and outspoken.
Pig – this is the last sign of the chinese zodiac.It is honest, good hearted and present a kindly face to friends and strangers alike. It does has a genuine affection and a love with no bound.
Tuesday, April 19, 2011
Monday, April 18, 2011
someone once said
"being long together does not gurantee anything"
sure.
but I got to experience the ups and downs of our growing up phrase together.
And I WILL experience and accompany him for the many years to come.
it's not for anyone to judge me or US.
I am looking forward to celebrating dear's birthday, for the 8th time :P
Sunday, April 17, 2011
Mid April
Friday 15th April
Dinner with colleagues at Marina Square
Sat 16th April
Dear's Dad birthday, Indonesian food and icecream
Sun 17th April
Breakfast at TIong Bahru Market
Coffee! dear sent me home
Friday, April 15, 2011
Blackie Chen and Christine Fan
After almost 11 years of courtship, Taiwan's celeb couple Blackie Chen and Christine Fan will wed on May 7 at W Hotel in Taipei.
A few days ago, Christine took her wedding photos in a specially-designed lacey bridal gown, which was studded with crystals.
The designing of the dress took half a year and was created by Christine's good friend and celeb Jia Yongjie and designer Huang Shu Chi. Christine's bridal gown reportedly cost NT$600,000 (approximately S$26,000).
When the groom-to-be saw his bride, Blackie gushed, "[She] looks like a vintage doll. [She's] really pretty and she's finally mine."
During the photo-taking session, the couple flirted openly with each other. Christine complained that Blackie acted so much like a comedian, which caused her to break into peals of laughter.
"I kept whispering 'I love you' to her, because my love for her is so much. If I don't say it, I'm afraid I'll drown [in my love for her]," Blackie explained.
In other related news, the couple's wedding invitation card was also revealed. The couple is looking at ways to send the big card which measures 33cm in length, to friends and relatives.
"The wedding invitation uses a cross design, which symbolises our religion. The plus sign represents 'home'. We wanted to choose black and white as the main colour theme, but are worried that the elders would not like it," Christine let on.
She added that the scripture "printed on the invitation is the same one my mother forced Blackie to read aloud when he first came to our house".
The couple expressed that they will learn from good friend Barbie Hsu's experience and hope that friends, relatives and media who are attending the wedding will have a good time. Christine also apologised for any inadequacy in advance.
***************
HIS proposal
Jobs closer to home, more housing near MRT stations
SINGAPOREANS can expect 'more than 10,000 dwelling units in vacant land around MRT stations such as Commonwealth, Queenstown and Bishan,' said Minister for National Development Mah Bow Tan on Thursday.
This can take place in the next decade and beyond, and are higher-rise housing of more than 30 storeys. He was speaking at the URA Corporate Plan Seminar on Thursday, at the Grand Copthorne Waterfront Hotel.
The Minister mentioned in his speech that '2011 will be the year of the Concept Plan,' under a 'new phase of planning for Singapore's physical transformation.'
Mr Mah said the URA (Urban Redevelopment Authority) has decided on a 6.5 million population figure as a planning assumption for the concept plan, though this figure, he added, is not a population target.
Another important issue addressed during the Minister's speech was the plan to bring jobs closer to homes. This will be achieved by building more housing in the Central and West regions, where there are proportionately more jobs than homes. More commercial and industrial activities will also be planned for the North and North-East, where there are currently more homes than jobs.
This redistribution of housing and jobs will hopefully ease peak hour traffic flowing in the North-South direction towards the city, said the Minister.
This can take place in the next decade and beyond, and are higher-rise housing of more than 30 storeys. He was speaking at the URA Corporate Plan Seminar on Thursday, at the Grand Copthorne Waterfront Hotel.
The Minister mentioned in his speech that '2011 will be the year of the Concept Plan,' under a 'new phase of planning for Singapore's physical transformation.'
Mr Mah said the URA (Urban Redevelopment Authority) has decided on a 6.5 million population figure as a planning assumption for the concept plan, though this figure, he added, is not a population target.
Another important issue addressed during the Minister's speech was the plan to bring jobs closer to homes. This will be achieved by building more housing in the Central and West regions, where there are proportionately more jobs than homes. More commercial and industrial activities will also be planned for the North and North-East, where there are currently more homes than jobs.
This redistribution of housing and jobs will hopefully ease peak hour traffic flowing in the North-South direction towards the city, said the Minister.
Thursday, April 14, 2011
Tuesday, April 12, 2011
New house for my PEN
came in the mail today
took 3 weeks to fly in from KOREA~
around 30 bucks LOLZ Cheap deal!
Dad's birthday 2011
had CRABS AND DURIAN CAKE!
i specially bought from 717 durians~ full of durian flesh~
One pepper and one chili crab each, SHIOK~
Friday, April 08, 2011
Thursday, April 07, 2011
Opportunities
came aknocking after a month!
4 in a week~
Relentless pursuit of my dreams and goals takin shape soon..
nothing ventured nothing gained
Tuesday, April 05, 2011
5 Things Happy People Do
http://www.oprah.com/spirit/5-Things-Every-Happy-Woman-Does/1
1. They find their most golden self.
"The positive emotion accompanying thoughts that are directed toward meaningful goals is one of the most enduring components of well-being."
2. They design their lives to bring in joy.
"people don't devote enough time to thinking seriously about how they spend their life and how much of it they actually enjoy,"
3. They avoid "if only" fantasies
Happy people are wise to this, which is why they keep their lives full of novelty, even if it's just trying a new activity (diving, yoga) or putting a new spin on an old favorite (kundalini instead of vinyasa).
4. They put best friends first
social engagement is one of the most important contributors to happiness.
5. They allow themselves to be happy.
Monday, April 04, 2011
Ramblings
你看我好而已
I am waiting for Mid April, gosh I hate the wait. Now I can understand how others feel.
I am waiting for Mid April, gosh I hate the wait. Now I can understand how others feel.
Voyage de la vie
Friday 1st April
was fantastic!! first time watching a play+theatrical circus~!
Had CHilli's at RWS, first time there too AND we went into HARD ROCK HOTEL, nice hotel room~ courtesy of new friends who are staying there 
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