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Cigarette Butt Again!

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WTF, 3 times in one month , I wonder who did that, must be the same a$$hole, not sure which unit, so zhun always kena my aircon, f**king hell purposely aim at my aircon or what, I reported to NEA again, better come and install the spycam and catch that scumbag and fine him at least $500, no at least $1000. See 3 Holes See my 3rd report. 3rd Report to NEA Actually on 30 Jul the NEA guys got come and stake-out but unfortunately never catch that f**ker, I think stake-out not so effective, install spycam easier, my area so many litterbugs, one shot catch and fine them all. I'm also a smoker, I don't understand why after smoking can throw out of the window, no ash tray? No trash bin?
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Just Noticed SGX Clearing Fee is Cut

Source Well it's not going to make a huge difference but it's better than nothing, it's cut from 0.04% to 0.0325%, so for small time investor like me, every trade I can save a few cents, a few cents also money lol. 0.04% of $5000 is $2.00 0.0325% of $5000 is $1.625 I think the purpose is to encourage small time investors to trade more, I think it helps, see now SGX is going up, more people are pouring in their money but I wonder how long this rally will last, good things never last long.
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Bought 10 Lots of Cambridge Industrial Trust at $0.735

A few minutes before closing I quickly went in to buy 10 lots, tomorrow is exclude dividend date which means any shares that I buy today will be eligible for their recently declared dividend of $0.01251 per share, to be paid on 10 Sep 2014. I have no idea why but after looking at their price today, which is down 1.342% from yesterday, I have a gut feel that the price will go up tomorrow, and I will sell it within this week for a quick buck, let's see.
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Received My First Adsense Cheque

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See my  last post  when I finally hit 100 USD for payment to be released, I received it today, damn fast, I was expecting to receive it next month. And before I post it here, I checked the  Adsense Terms and Conditions  to ensure I am not breaking any of their rules. "9.    Confidentiality You agree not to disclose Google Confidential Information without our prior written consent. "Google Confidential Information" includes: (a) all Google software, technology and documentation relating to the Services; (b) click-through rates or other statistics relating to Property performance as pertaining to the Services; (c) the existence of, and information about, beta features in a Service; and (d) any other information made available by Google that is marked confidential or would normally be considered confidential under the circumstances in which it is presented.  Google Confidential Information does not include information that you already knew prior to your use of the Servic
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My GST Voucher 2014

I won't get getting any cash or Medisave top-up, can only get the U-Save rebates, let's see how much I can get. From what I understand, U-Save eligibility is according to home size and limited to HDB flats only, and the smaller your flat, the more you get. Mine is a 2-room HDB flat, so let's see. This is for U-Save. Flat Type Jul 2014 Oct 2014 Jan 2015 Apr 2015 Total Amount Per Year 1- and 2-room $65 $65 $65 $65 $260 3-room $60 $60 $60 $60 $240 4-room $55 $55 $55 $55 $220 5-room $50 $50 $50 $50 $200 Executive $45 $45 $45 $45 $180 So I can get $65 every quarter until Apr 2015, total $260, not bad. And there's also a U-Save Special Payment, it will be paid in Jul 2014 and Jan 2015 in payments of $130 each, total $260. This is for U-Save Special Payment. HDB Flat Type  GST Voucher − U-Save Special Payment  1-room  $260 2-room  $260 3-room  $180 4-room  $110
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Tomorrow No Need to Work!

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Sit back and relax, watch some movie, play some games, smoke and drink a red can of Tiger beer haha, it's red because it's the NDP limited edition. Smokes and Beer Oh just now I watched Divergent , not bad but a bit overrated.
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Most Effective Non-Prescription Cough Syrup

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Remember I said I was sick and my wife also fell sick, we recovered from the flu and fever but our cough persisted, then I bought a big bottle of  Nin Jiom Pei Pa Koa and consumed for a few days but didn't get better, finally I decided to try Robitussin Ex syrup, I got better after 2 sips, my wife also got better. One bottle costs $8.60 at Guardian. Robitussin Ex Next time I'll just buy this and nothing else, the Nin Jiom also not cheap but not effective, I think it's more of a health supplement than cough medicine.
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Went to Talk to Neighbour Above

Before I went up, I spoke to the an elderly lady living two units away, I asked if she heard any noises yesterday night and she said she didn't, I guess her unit is too far away. She told me the unit above mine is a Malay unit, since this month is their fasting month, they probably get up early to prepare for prayers, but I told her that surely they don't need to be awake from 12am to 4am, she smiled and agreed with me, I also asked whether they have baby and she said yes, no wonder we heard little footsteps running about, she also told me to speak to them nicely. I went up with my wife, my wife was hiding beside, first thing I saw when I peeked in was a cute little baby watching television, there was no one else and the baby was knocking on the ground with an object, I can't see clearly as their unit was dark even when light was shining in, not sure why Malays like to have dark rooms, my previous owner is also a Malay, his unit was also very dark because he painted purpl
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2014 Hungry Ghost Festival

Just now my father dropped by with a package of offerings for the spirits, it's a combination of hell bank notes, Yuan Bao (Sycee), joss sticks and red candles, personally I don't believe but my father say regardless of whether I believe or not, no harm doing the offering. So me and wife went downstairs our HDB block, there is an open grass patch and there are two containers for people to burn the offerings, I think the spirits can only receive it after we burn it or something like that. By the way, according to the Lunar calendar, today is the first day of 7th month, 10 Aug is the 15th of 7th month, 15th is the day when the gates of hell open, so I think we are making an offering in advance. Then just now when we were at the container, one Ah Ma was preparing her stuff, my wife kicked off the burning by dropping in the Yuan Bao, and the Ah Ma was mumbling and looking at us, heard from my father that she was speaking in Hainanese, we are Hokkiens so we have no idea what she w
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Sold My 4 Lots of Sheng Siong at $0.70

Overall profit is $387.27, about 15.49% of the cost price, not bad. I sold because I don't think it can go any higher, anyway hard to say, every time I sell a stock, the price go up haha. Now I have some spare cash, not sure what to buy, everything seems so expensive, but I'm looking at F&N, if it can go below $3, I will wait and see, CIMB target price is $2.66 but I really don't think it's so worthless, their financials is good, and I think people scared to buy because they are worried that there is not much growth for F&N, but I like this company, I also like their products, see how, anyway I won't be buying anything anytime soon, just wait and see.
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SAF IPPT Changes

Finally they did something about the IPPT, there are several changes and it's quite a long page to read, let me highlight the important ones that every NSmen will want to know, as for the details, you can click here . All changes will start from 01 Sep 2014, including the pilot implementation of the 3-stations IPPT. IPPT monetary awards increased, gold from $400 to $500, silver from $200 to $300, incentive pass from $100 to $200. NSmen will have 1 year to pass their IPPT, another year to clear their RT if they cannot pass, total 2 years. If you are in 9 months IPPT window on 01 Sep 2014, you will enjoy a 3 months extension. If you are in 3 months RT window on 01 Sep 2014, you will enjoy a 12 months extension. One-time reset of default offenses if you can clear your RT within current RT window+12 months. 3-stations IPPT are Push Up, Sit Up and 2.4KM run, maximum of 25/25/50 points respectively for a total of 100 points (refer to the details link for the scoring board). Fo
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Finally Confirmed Renovation Flooring Price

My father informed me that his friend will collect $1600 for the flooring works, way below the amount that I expected, I set aside $2000 so now I can save $400. I also checked with my father whether his friend made a loss, he said his friend only collected about $200 for his own transportation and the logistic stuff, the rest are for materials and labour, so basically he didn't earn anything. I think his friend also find it difficult to set a price, they are friends for 30 over years, if it was me, I think I would probably also find it hard to take money from an old friend, I won't mind absorbing all the cost if I can afford it. But of course we can't let his friend pay for everything, people do something for me, I must pay them accordingly, if they don't want to make a profit out of goodwill for us, fine, at least take the money to cover the costs, no such thing as do everything for free. And now that I saved $400, I will give my father $100 as referral fee, and
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Cigarette Butt Landed on My Compressor Again!

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Bloody hell, this is the 3rd time since I bought this house, only about 2 months and I kena 3 times, I have no idea which f**ker threw it but I'm guessing it's not from the unit directly above because their window is closed but also hard to say, basket, I will lodge another NEA report, must bring this f**ker to justice, fine him pain pain. 3rd Time! I lodged another report with NEA, f**king hell, I hope this f**ker kena cancer. 2nd Report at NEA Really don't understand, I'm also a smoker, I have an ash tray at home, so after I smoke, cigarette butt throw where? In the ash tray of course! What the f**k, how come this idiot smoke already throw out of the window, power la, must fine him at least $500 to wake him up, my wife say go upstairs and check with them but what's the point, everyone will definitely deny, my way is to report to NEA until they cannot take it then they come and install the spycam and hopefully catch the f**ker in action and slap hi
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Long-Term Visit Pass - Plus (LTVP-PLUS)

http://www.ica.gov.sg/news_details.aspx?nid=12665 Good news for those of us who cannot get PR for our beloved spouse, because the Singapore government has come up with a enhanced long-term visit pass called LTVP-PLUS or LTVP+. I'll sum up the key points in the FAQ provided by ICA so you don't have to go through one big page. Do let me know if I missed out anything or correction is required by dropping a comment. GENERAL LTVP+ will be in effect from 01 Apr 2012. LTVP+ holders will enjoy extended duration of residency, public healthcare subsidies and easier access to employment. No separate application required for LTVP+; an application for LTVP will automatically include your spouse for LTVP+, if eligible. LTVP applications submitted from 01 Feb 2012 will automatically be considered for LTVP+. The first approved LTVP+ will grant 3 years residency and subsequent renewal will be 5 years. Current holders of LTVP will be considered for LTVP+ on next renewal. If holde
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How to Marry a Thai in Singapore

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You should refer to here -  https://www.rom.gov.sg/reg_info/rom_marriage.asp Please spend some time to go through and understand the information on that section (legal provision, other information, filing of notice, solemnization and etc), if your still not sure, feel free to drop a comment here or you can use their FAQ . The ROM website did a really good job of putting together the information that you need in a well-organized manner. I've done it once and I think the guide is very easy to follow. The only hiccup I've had with my marriage is during the  Appointment for verification & Statutory Declaration where both of us were required to read out a wall of text and my wife had difficulty getting past the first few lines and the counter guy got fed up and told my wife to stop. Definitely my oversight as I didn't arrange for an interpreter beforehand but luckily, there was a licensed interpreter at the scene and we managed to get her to do the interpretation fo
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Commission Calculator for DBS Vickers SG Stocks

Made this little tool to help me calculate the costs of buying or selling a stock, just enter number of shares and price and it will show both buy and sell costs at the same time. Can even choose by cash upfront, online or phone and it will calculate using respective rates. Cash Upfront ONLINE By Phone Shares: Price: Value: Commission: Clearing Fee:
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