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My Thoughts on Investing in Lottery (TOTO)

Recently I have been reading quite a lot on lottery winners, about how lady luck smiled on them and about how some of them lost all the money so quickly. Then I thought, if I had that kind of money, I would probably not tell anyone, and I would invest all of it in stocks and just collect dividends. I would keep my job though, a person simply cannot sit around and do nothing all day, you could say if I had that kind of money, I could start a business or tour the world to keep myself busy but those are not what I like to do. Then it struck me, if I never buy, chance of winning is zero, then what's the point of daydreaming about it. So acting on my justification, I bought a number for 4D and 2 sets of quick pick numbers for TOTO, all for S$2. Just checked and my 4D number didn't win, now waiting for tomorrow to check my TOTO numbers. I think I would probably try my luck every week, buy S$1 at a time, so I would end up spending S$4 a month, which is really not much. I feel like
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My Aircon is Finally Working Again!

Let's recap, it all started on 11 May when I noticed that it wasn't cold and I had to switch it off and on again for it to work but that didn't last long. The following night, there's no cold air coming from the unit, not even the one in my parents room. We also tried switching on the one in our living room but it's not cold as well. By the way, we are running a Sharp system 3 inverter setup. So I told my mom to call Gain City because we bought everything from them; from running of cables to installation. Unfortunately, they were fully booked until today, and luckily, the guy who came today managed to solve our problem, but not entirely. Initially he suggested to clean the aircon as he suspected it might be due to dirt and mold but my mom told him that we cleaned the unit only recently, actually it was cleaned about 6 months ago but anyway, we are sure it's not due to dirt because for the unit in our living room, I think we switched it on no more than 3 time
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New Free to Play MMORPG Neverwinter!

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Site Download Found out about this game last week and have been playing for a while, I'm a level 10 Control Wizard! Very cool game, feels like World of Warcraft (WOW) but the gameplay is much different, it's got a First Person Shooter (FPS) feel to it because you need to aim to attack, not like in WOW where you select a target and your character will auto-attack. It's also got tons of quest, there's even player-made quests and the graphics is good, but I think they are still working on it as it gets a little choppy sometimes but it's not that bad. Must try, and it's free! Oh and don't create an account first, download the game and create through the game's login screen so you won't see those silly errors that I encountered, what a waste of time! See, isn't it pretty! My Level 10 Control Wizard
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What Causes Pain?

Why does she cry so much he asks himself, as her cries pulls him out of his concentration of trying to write something, what is he trying to write? He is writing this story, as he questions why, why does she cry so much. Is it due to pain? Does pain cause a person to cry? He doesn't cry when he is in pain, why is that so? What can make him cry? How long has it been since he last cried? But does pain really make a person cry? Or perhaps it's just because she is a baby, but does that mean a person should cry in pain? What causes pain then?
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Singaporean and Foreigner Couple Can Buy New Flat (BTO) from HDB with Singaporean Baby

Recently I chatted with a colleague of mine and we spoke about how HDB flat prices are getting more and more expensive. I told him I definitely won't buy resale flat because of the COV and will wait for my baby and then apply for BTO. He was aware that my wife is not a PR so he was quite surprised that I can apply for BTO. I was surprised that he was surprised, I thought everybody knew that because the eligibility conditions for new flats are put out very clearly. New Flat Eligibility Citizenship You must be a Singapore Citizen - I am. Your family nucleus must comprise at least another Singapore Citizen or Singapore Permanent Resident - My baby will be Singaporean. Age You must be at least 21 years old at the time of application - I am currently older than 21. Family Nucleus You must form a family nucleus under one of the following schemes: Scheme Family Nucleus Public You, the applicant and; - your spouse, and children (if any) - Me, my wife and baby. - your pare
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May is Definitely One of The Hottest Month in Singapore

I wonder when it will rain and I can't remember when was the last time it rained, I just can't take the heat anymore, and the aircon is not working, even two fans aren't solving my problem, the heat is just unbearable, even at night. How can it be so hot, I can feel the heat surrounding me, it's like the air is still, no wind at all, ok there's the occasional breeze but it dies out too fast to make any difference. Tonight is 31 Degrees Celsius according to Google, that's like daytime temperature, what the f... I remember it can get as hot as 38 Degrees Celsius in the day when I was at my wife's house but it was freezing at night, I don't know how cold it was but I had to tuck myself into a thick blanket to stay warm. I think that's the good thing about farmlands, they don't have tall buildings to block the air flow, look at here, tall buildings everywhere, my house for example, wind can only come from one direction because it's blocked ever
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Help! Another Super Hot Night!

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My aircon is really faulty since yesterday night, I think the compressor is not working as all the aircon in my house is not cold. What a bad timing! 31 Degrees Celsius And tonight is 31 Degrees Celsius, oh crap! The servicing guys can only come earliest on 21 May, one more week to go... I hope it rains soon...
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What a Super Hot Night!

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Yesterday night was hot as well, at 29 degrees, tonight is 30! 30 Degrees Celsius I thought my air-con was malfunctioning as I set it to auto mode which will detect the current room temperature and lower it by 2 degrees celsius, which is still warm. I am now manually setting it to 20 degrees celsius, phew, what a hot night.
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Phone Scam in Malaysia

Source Why do people so easily part with their hard-earned money, I think this lady transferred out of fear but I think she should have checked with someone before transferring the money, at least check with her husband. S$29,000 is so much money, all gone with two phone calls, sigh.
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Lucky Draw Scams in Singapore

Source Jan 2013 to March 2013 19 cases reported of which 8 were successful. S$410,000 were cheated. Jan 2012 to Dec 2012 327 cases reported of which 181 were successful. S$7,400,000 were cheated. Wow, that's a lot of money lost to scammers, how can people be so stupid? Just think about it, if you didn't participate in any lucky draw, or even if you did, is it the same one? Whatever it is, which lucky draw require you to pay money to claim money? Remember this, "If it's too good to be true, it probably is". "Police say so far, biggest single amount cheated in such lucky draw scams was some S$1.127 million in June 2011." That scammer must be laughing his head off.
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Planning for a 2014 Baby

We were trying to conceive since 06 May 2013, now the question is how long does it take for a woman to get pregnant. This question is not as easy as finding out the menstrual cycle of a woman as it varies widely for different couples. I can only hope by next month we have good news, but last night, I heard my wife saying that her breasts are getting painful and she just finished her menstruation, I think that's good news? Let's see.
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Straits Times Index Broke 3400 and Uptrend Likely to Continue

Source US, China and Europe is doing well and everybody gets a ride from them. And there is not much noise from the North Koreans, I think they are all talk and no action, to be correct, they can't do anything. I wonder how high can this wave go.
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Before You Buy a Car, Read This Article

Source What the writer is saying is that if I don't buy a car, I can save a lot of money and if I know how to put that extra money to good use i.e. investment, I can turn it into more money. I totally agree. Buying a car in Singapore is like burning your money away, well, it's easy for me to say when I can't afford a car but if I do have that extra disposable income, I would rather dump it all into investment and let it grow, even at a modest rate, at least it's growing.
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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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