Funny commercial #2

Something to watch and laugh to ease the mid week blues...

Man's guide to save $$$ in Singapore

Credit Crunch is here...Inflation is still going to stay...Housing is still going to be expensive in the long run despite the economic recession we are facing.
Doom and Gloom especially if u just started work and wanted to have some savings.

There are massive money management notes and blogs out there. Even those that ask u to grow your own vegetables. Quite Duh right for Urban Singaporeans like you and me. I will cut the crap and drive straight to the point. It ain't hard to save if you are willing to change your lifestyle.

Tip #1: Reduce "Dispensable expenses". It refers to those items we buy on impulse or think it is worthwhile to get but doesn't make a big difference in our life. E.g A Professional camera @ sale where u ain't really taking professional photos. I had a friend with a Professional camera @ 2K plus snipping shots of himself and friends photos only..how professional it is.

Tip #2: Do not own a car just for yourself. Funny statement...you buy car of course for ur convenient sake...duh... Wait a minute....Here i am saying about "Just". Having a family car instead of a personal one, with ur siblings or parents sharing the financial burdens of this expensive "wife" is definitely utilising it. If U want to show off to pretty hot dumb bimbos that u own a car, don't save money...Simply close this page....you won't be needing this page @ all.


***If u already decide not to own a family car, skip to Tip #3****
Tip #2A Following the above tip 2... I remember reading from somewhere....If u really want to own a family car. This is due to heavier cars achieve fewer miles to the gallon and are more expensive to run as a result. But filling too less will waste your efforts as u need to go for more petrol runs. Follow the recommended 1/2 to 3/4 range.

Tip #2B: Travel in off peak hours. The "stop, accelerate" cycle during peak is burning and wasting your fuel. Ouch! Even if you have finished your work in office, probably staying longer to relax surf net read news, read interesting articles, close ur eyes and rest in your armchair...is worth the time and effort plus saving your $ travelling in off peak.
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Tip# 3: Reduce your booze and partying activities. Booze and saving $$$ dun go well together....sad to say they are never good friends and never will be. Maybe a few cans of them in your fridge is still better than overpriced booze in clubs and pubs...Say goodbye to your flirtatious activities. Yea party lovers...exit here.

Tip #4: It is the best time to say Tip #4....Avoid having debts, reduce the number of credit cards to @ most 2. Y not one? One is the best to have. I currently have 2 one is a Citibank SMRT card and another is merely for some travel discounts credit card. Merely to say one is for daily expenses and another is for once in a while travel uses. Pay off your credit on time and never owe the bank money.

Tip #5: plan your purchase. E.g NTUC card owners, advice is to make your purchases during tuesday when you have additional discounts. Buy Wat u need now...and not wat u might need.

Tip #6: Have a separate account for your expenses, have a plan and monitor it. U can separate ur accounts into savings, expenses and investment. This help u to have a clear mental picture of how your expenses is going monthly. Wat plan? Practical example: besides 500 (posb required @ least 500 b4 deduction) , every month u transfer the amount u predict u going to spend in the coming month. This is to prevent you from overspending, but if u do , u will be able to keep track your transaction history of " Y ur expense account fall below 500 " thus forcing you to top up to 500 and feel the pain of overspending. It is some kind of psychological warfare against myself rather.

Tip #7: Reduce your fine dining...oh man u are a gourmet. There are plenty of cheap and good hawker foods out there... If u are a professional gourmet, u should not be here in the first place.
I remember a $20 bucks 2 scoop with lousy (in my own opinion) piece of waffle taste nothing above ordinary. It serves as a good lesson to me ever since.

WARNING...Next tip might be offending to some WAGs.

Tip #8: Do not over pamper your WAGS. Wives and Girlfriends (WAGS) are the most wonderful things given to men @ times (U can agree to disagree) that is when u make sure she loves you and not loving just your wallet. Over pampering in my own opinion is to take her FREQUENTLY to expensive dining and FREQUENTLY buying branded stuff for her. It's good and definitely healthy to make her feel special once in a while. But too much special stuff makes u eSPECIALLY poor....U are special now...haha.

Of coz please do not use Tip #8 and says "GURU CornLord teaches me how to save money. Therefore let's go dutch." Please show that u are a gentleman. Life is about balance...It's not all about saving $$$ but how to save $$$ gracefully. Misers...pls dun quote my #Tip 8

Tip #8A: It's an additional thought rather when i typing tip #8. But u may say: "how to save $$ gracefully if u got a girlfriend who always unhappy when u "dun buy this, dun buy that" for her.
or those type which always blackmail u saying "If u are not buying such stuff for me, You dun love me" Some girls are expert of blackmailing (i seen guys too ...another story a disgrace to guys) . Then u might need to think if the relationship is healthy in the first place....Relationship not only about..."You love me, I love you, Love here love there Love urself". True love is about considering for the other half...My advice is having a spendthrift wife will never make u rich. u get my hint. :)

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A Tribute to my fiancee, a wonderful wise lady, whom always considers my financial situation and being supportive to me in whatever i am embarking on.. She unwittingly taught me some money sense too. Hail to this rare wise lady!
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Serves you right if you are lamenting on Lehman Brothers' Minibonds

The Financial Tsunami crashes down devouring Lehman Brothers,. Many citizens of the world who bought mini bonds from Lehman Brothers got their hands burnt.

In their frustration, they play the blame game on banks and sales people who "con" them into buying mini bonds. I am kind of sick of hearing these blaming. Y am i not sympathetic? Yes, I am not at all. To understand why, please continue reading.

(Reading my blog when u cannot take constructive advice might cause you disturbance...exit now if u need to)

Golden rule of mine in Investment : "Without due diligence, Everything else is a Gamble."

First of all, how many of those investors understand how mini-bonds work? Many grieving uncles and aunties around the world are lamenting "They only tell me it's safe and u get good returns, Who knows banks will cheat us?"

If you ask them: "What are mini bonds? How do mini bonds works? Why are banks and investment entities selling mini bonds? What role does mini bonds play in the financial market?"

Do you THINK they can give you a good answer? Absolutely NO!
If you have bought the mini-bonds, are you able to answer them? If your answer is "YES", you know the risk and reason why you are losing money. You know there is no one to blame but yourself.
If your answer is "NO", U are worse than gambling. Gamblers knows their odds and know the possibility of worst outcome even though they might be sore losers. You do not even know your odds of worst possible outcome to accept it.

Stop putting the tag "Investor" on your GAMBLER" tag, claiming you are a investor. You are NOT!.

Many people also like to play "ride on success" with friends who are investors. What do i mean? E.g Friend A tells Friend B: "I have some cash and B ...U are good in investment. Can I put some $$$ with you to help me earn $$ following watever stocks u buy?"
No due diligence is done here, you do not know the risk of investments or even what is the investments your friend is going to do. Money is a touchy issue, and in investments we bound to have fair share of losses and wins...only money management helps to make ur wins profitable over your losses.

Whoever reading this remember my golden rule and you will never again be a self denial Gambler. Ask the "Why, What, How, Why", Read news do research and know your risks and worst possible outcome, be willing to accept your losses. Be Diligent, Be an Investor not act like one.

Lawsuit Against God Almighty

LINCOLN, Neb. - A judge has thrown out a Nebraska legislator's lawsuit against God, saying the Almighty wasn't properly served, because of his unlisted home address. State Sen. Ernie Chambers filed the lawsuit last year seeking a permanent injunction against God.

He said God has made terroristic threats against the senator and his constituents in Omaha, inspired fear and caused "widespread death, destruction and terrorization of millions upon millions of the Earth's inhabitants."

Chambers has said he filed the lawsuit to make the point that everyone should have access to the courts regardless of whether they are rich or poor.

On Tuesday, however, Douglas County District Court Judge Marlon Polk ruled that under state law a plaintiff must have access to the defendant for a lawsuit to move forward.

"Given that this court finds that there can never be service effectuated on the named defendant this action will be dismissed with prejudice," Polk wrote.

Above extract is from Associated Press 2008: Lawsuit Against God Almighty

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Omg...Then base on everyone personal opinions, God is going to be sued for Mischief, Threats, Late delivery of promises, unanswered prayers...etc...That might take an eternity for Him to clear the charges...

How dumb can the court be to allowed such filing of lawsuit?

I am amazed @ stupidity of humanity.

"There are 2 things that are infinite: Universe and Human Stupidity. I not sure about the first one but very sure on the latter."

Publish Post

Albert Einstein.

Crisis brings opportunitities: Learning to catch fishes in troubled waters

The financial tsunami reaching into Asian market and it may be bad news for most. Singapore is officially declared in recession.

Many of the stocks reminds me of the overpriced sw*s*n ice cream i had in Orchard road. Suddenly sold like ice cream being paddled by the uncles on ice cream motorbikes selling @ $1 per scoop per cone. (sidetrack)

Think this way. ..if you are home maker, or someone looking forward to long term investment. My foresight is property market in SG. SG is diff from U".S simply because we lack of land and govt have plans to further increase the poplualtion. Pro-family policies including baby bonuses not long ago remember?

Through previous down periods of Singapore banks, we see mergers (DBS-POSB, (keppel bank)). This is not likely to happen as the last merger have consolidated the strs of the major banks now. If the tsunami threatens to destroy MAJOR SG banks like DBS, UOB etc, do you think our govt will sit there and watch the show. Knowing the mentality of our government is another important point. "What goes up will come down" A rubber ball that thrown into the air will come down to the ground and then bounce... (U get the hint?)

This is only a handful of opportunities i see..there are specific ones...but i will not reveal too much for it is better to put things into action than to say a million "do wat"s.

My 2 cents about the financial turbulance.
Last advise : "The hastier u are eager to make quick bucks, the quicker u are likely to lose"

Practical tip to Speed up your Internet on Firefox.

Hi SG Guys and gals,

Do you know that for our normal singtel and starhub Internet users, we do not need IPv6 protocol as the protocol is not used for home consumers?

What is IPv6? U can read from the link below"
Definition and info of IPv6

What this means is that by default IPv6 whenever u surf your net, protocol check and some redundant check on IPv6 will take place (eating up abit of bandwidth). Therefore by disabling IPv6 is a wise and smart move to speed up your internet.

Instruction on Disabling IPv6 for Firefox users:

1. In the Location bar, type about:config, and press EnterReturn.
   • The about:config "This might void your warranty!" warning page may appear. Click I'll be careful, I promise!, to continue to the about:config page.
2. In the displayed list, type network.dns.disableIPv6 in the Filter textbox.
3. Find the entry for network.dns.disableIPv6.
4. If the value is false, double-click on it, to change the value to true.
   • If the value is already true, IPv6 is already disabled, so it isn't causing your problem.
5. Close Firefox, start it again, and try to reach a web site.

If disabling IPv6 doesn't resolve the problem, re-enable IPv6 by setting the preference back to false.

*XP SP 2 I.E Users have IPv6 disabled by default.

Hope u enjoy the tips.