ok just some stuff at work, probably i will be graduated soon from the academy and attached to branch.....gonna miss this place.
lying on my table is a squash ball tomato.
I was packing up my table and i found a melody on my table. the pink color creature... kinda weird... Until now i still got no idea who left it on my tab...
Monday 27 September 2010
Friday 24 September 2010
Loo the Great!!!
This is a part of my conversation with Jloo. See for yourself the "confidence" of loothegreat!
sam says:
icic
sianz
if chelsea keep up their form both epl and flick will be boring
Jonathan~ says:
so i will be supporting man city
sam says:
yeah
e main reason y u cant over take arron
is his cole and kalou
Jonathan~ says:
kalou la
kns
but its ok
u will see me above aaron after end of fantasy league this season
sam says:
LOL
last season i also make tis type of statement b4
Jonathan~ says:
lol
sam says:
but not tat siao zhang
Jonathan~ says:
last season i nv make such statement
sam says:
i more humblr
i onli say i will confirm wont bottom
Jonathan~ says:
cuz i m already above everyone
hahahhaa
sam says:
.......
u die
u will go into my blog
Jonathan~ says:
hahahaha
kidding
but
its a fact
oops
hahahha
sam says:
icic
sianz
if chelsea keep up their form both epl and flick will be boring
Jonathan~ says:
so i will be supporting man city
sam says:
yeah
e main reason y u cant over take arron
is his cole and kalou
Jonathan~ says:
kalou la
kns
but its ok
u will see me above aaron after end of fantasy league this season
sam says:
LOL
last season i also make tis type of statement b4
Jonathan~ says:
lol
sam says:
but not tat siao zhang
Jonathan~ says:
last season i nv make such statement
sam says:
i more humblr
i onli say i will confirm wont bottom
Jonathan~ says:
cuz i m already above everyone
hahahhaa
sam says:
.......
u die
u will go into my blog
Jonathan~ says:
hahahaha
kidding
but
its a fact
oops
hahahha
Sunday 19 September 2010
We can only blame ourselves for not winning
I would like to give credit to Sunderland.
Elmo was sending crosses in at any opportunity.
Darent bent was always snifing around the penalty area looking to pounce on goal. Notice about what so great about his play today? I dun remember him being flag for offside at all, he kept on level with the last defender and keep going.
Bramble was a rock in defence. Nothing goes past him.
Ok on to arsenal.
Same old arsenal? no, we did really well in defence today. I must say clichy clearance was really unlucky to hit koscielny and drop so kindly for Bent.
Almunia, was solid throughout, not tested but one particular incident stood out. Koscielny left the ball for him via a weak back pass, Almunia was very alert and quick to come out and clear. Could have concede from there
Clichy, no mistake, hard to beat, didnt lost the ball while going forward.
Sagna, strong commited and solid thru out. I notice he got forward at every opportunity this season and crossing had improve.
Koscielny, I must admit the 2 mistake probably that he made and resulted in 2 goals, against blackburn and bolton respectively probably made me caution about praising him. Otherwise he is just brilliant. he is strong in the air, great at tackle and really reads the game very well. technically he can break out of defence and goes into attack. Still untested against drogba and rooney but if he could perform like this consistently he is going to be an asset.
squillaci, solid tidy and good header. I do notice that whenever koscielny is playing, the other CB seems to be quieter. Even when vermaelen was playing, you cant help but notice koscielny rather than the partner.
AA, as mention earlier AA is really very direct this season. AA is really very effective in the 3 quarter of the pitch. he needs player like Cesc and rosicky to play him in. Other wise he offer very little by himself. His stamina is still an issue.
Wilshere, his inexperience showed in the first half. too much fancy turns and making over playing. but in the 2nd half when he cut his nonsense out, he is really good. very few mispass. what really impress me is despite his tender age and physical frame, he is tenacious. he can really tackle ppl.
Song, probably too much nitty gritty foul. looks slow today, both him and chamakh aint playing at the level that they are. His attacking play has improve and can see that he is going forward more often. I must put this down to the defensive play of wilshere.
Nasri, honestly I am not convince on nasri. I just feel that his passes are not as penetrative as fab aa rosicky. when was e last time u see nasri playing a superb tru ball? i cant rem. one thing is that he could really hold the ball and draw foul. he is looking more and more like hleb, good control but offers little creative passes. similar to AA he needs to play in an advance position to finish move rather den create.
Fab, left the field too early for much comment. just unlucky with injury and lucky with goal.
Chamakh, work his socks off, defending from the front, honestly i think he should start ahead of RVP, he really offers alot in terms of defending. upfront he could hold the line, rarely loses the ball and challenges. But today he looks slow, fatigue from CL?
Sub
Rosicky, as mention in previous post, i really like him. great movement, great passing, hardly loses ball. good going forward and also defensively sound. we really need him on a regular basis. definitely pick him over nasri.
Denilson, limited play time, but i thot he looks good. calm when surrounded by opposition. good defensively. could he become a flamini?
This season I can really seem how each player can function in a specific way. and it really adds up and give arsenal a different dimension. Defensively they look good but I must stress they haven been tested by a big team yet.
Wenger needs to get e balance rite. We are also very very unlucky with te injuries. looking the e list at one point of time the physio room would have more player den e start line up.
Walcott and diaby is sorely miss today....
I know what i put as the title, but let me indulge with just one line.
THE REFREEE IS AN INCOMPETENT ASS.
Elmo was sending crosses in at any opportunity.
Darent bent was always snifing around the penalty area looking to pounce on goal. Notice about what so great about his play today? I dun remember him being flag for offside at all, he kept on level with the last defender and keep going.
Bramble was a rock in defence. Nothing goes past him.
Ok on to arsenal.
Same old arsenal? no, we did really well in defence today. I must say clichy clearance was really unlucky to hit koscielny and drop so kindly for Bent.
Almunia, was solid throughout, not tested but one particular incident stood out. Koscielny left the ball for him via a weak back pass, Almunia was very alert and quick to come out and clear. Could have concede from there
Clichy, no mistake, hard to beat, didnt lost the ball while going forward.
Sagna, strong commited and solid thru out. I notice he got forward at every opportunity this season and crossing had improve.
Koscielny, I must admit the 2 mistake probably that he made and resulted in 2 goals, against blackburn and bolton respectively probably made me caution about praising him. Otherwise he is just brilliant. he is strong in the air, great at tackle and really reads the game very well. technically he can break out of defence and goes into attack. Still untested against drogba and rooney but if he could perform like this consistently he is going to be an asset.
squillaci, solid tidy and good header. I do notice that whenever koscielny is playing, the other CB seems to be quieter. Even when vermaelen was playing, you cant help but notice koscielny rather than the partner.
AA, as mention earlier AA is really very direct this season. AA is really very effective in the 3 quarter of the pitch. he needs player like Cesc and rosicky to play him in. Other wise he offer very little by himself. His stamina is still an issue.
Wilshere, his inexperience showed in the first half. too much fancy turns and making over playing. but in the 2nd half when he cut his nonsense out, he is really good. very few mispass. what really impress me is despite his tender age and physical frame, he is tenacious. he can really tackle ppl.
Song, probably too much nitty gritty foul. looks slow today, both him and chamakh aint playing at the level that they are. His attacking play has improve and can see that he is going forward more often. I must put this down to the defensive play of wilshere.
Nasri, honestly I am not convince on nasri. I just feel that his passes are not as penetrative as fab aa rosicky. when was e last time u see nasri playing a superb tru ball? i cant rem. one thing is that he could really hold the ball and draw foul. he is looking more and more like hleb, good control but offers little creative passes. similar to AA he needs to play in an advance position to finish move rather den create.
Fab, left the field too early for much comment. just unlucky with injury and lucky with goal.
Chamakh, work his socks off, defending from the front, honestly i think he should start ahead of RVP, he really offers alot in terms of defending. upfront he could hold the line, rarely loses the ball and challenges. But today he looks slow, fatigue from CL?
Sub
Rosicky, as mention in previous post, i really like him. great movement, great passing, hardly loses ball. good going forward and also defensively sound. we really need him on a regular basis. definitely pick him over nasri.
Denilson, limited play time, but i thot he looks good. calm when surrounded by opposition. good defensively. could he become a flamini?
This season I can really seem how each player can function in a specific way. and it really adds up and give arsenal a different dimension. Defensively they look good but I must stress they haven been tested by a big team yet.
Wenger needs to get e balance rite. We are also very very unlucky with te injuries. looking the e list at one point of time the physio room would have more player den e start line up.
Walcott and diaby is sorely miss today....
I know what i put as the title, but let me indulge with just one line.
THE REFREEE IS AN INCOMPETENT ASS.
Monday 13 September 2010
This is touching...
MM Lee spoke of his wife, Kwa Geok Choo, 89, in an interview on the New York Times’ Saturday Profile.
The couple met each other when they were law students in London and have been together for 61 years.
He shared that his most difficult moment is at the end of each day as he sits by the bedside of his wife who has been unable to move or speak for more than two years.
“She understands when I talk to her, which I do every night,” he said. “She keeps awake for me; I tell her about my day’s work, read her favourite poems.”
“I told her, ‘I would try and keep you company for as long as I can,” before adding, “I’m not sure who’s going first, whether she or me.”
The couple met each other when they were law students in London and have been together for 61 years.
He shared that his most difficult moment is at the end of each day as he sits by the bedside of his wife who has been unable to move or speak for more than two years.
“She understands when I talk to her, which I do every night,” he said. “She keeps awake for me; I tell her about my day’s work, read her favourite poems.”
“I told her, ‘I would try and keep you company for as long as I can,” before adding, “I’m not sure who’s going first, whether she or me.”
Sunday 12 September 2010
4-1 win over bolton
Just what was wenger thinking? luckily for us the result was positive.
gibbs-squillaci-koscielny-eboue
2 news signging 1 from reserve and 1 bench warmer.
all four have not even play with each other before. but its a gamble tat paid off.
fab is back to his best, see those assist, its just awesome. Genius in his passes.
Chahmakh, could this guy be our goal scoring machine? i for one has been watching him playin since the early preseason friendly. goal goals goalss. his run short passes and heading ability is really an asset to our team.
arshavin totally could have gotten a hatrick last nite. 3 one on one if i remember correctly. all miss. rh should have gotten at least 20 over pts for captaining aa. AA remains a dangerous weapon despite his misses. he will find his shootin boot back. great to see our players linking up so well. AA have been doing more of dangerous infield runs. instead of running with the ball, the new style sees him making the run and our midfield to make the pass.
rosicky is like another fabregas! early in the match u could see how rosicky release aa for an one on one with the keeper. top class. finger crossed and twisted, rosicky dun injured.
our centre back looks promising for now.
All seems rosy but crisis will set in once almunia or e defence makes their first mistake. seems like we have no problem in scoring. Arsenal season will be make or break depending on these 3, squillaci, koscielny and almunia.
gibbs-squillaci-koscielny-eboue
2 news signging 1 from reserve and 1 bench warmer.
all four have not even play with each other before. but its a gamble tat paid off.
fab is back to his best, see those assist, its just awesome. Genius in his passes.
Chahmakh, could this guy be our goal scoring machine? i for one has been watching him playin since the early preseason friendly. goal goals goalss. his run short passes and heading ability is really an asset to our team.
arshavin totally could have gotten a hatrick last nite. 3 one on one if i remember correctly. all miss. rh should have gotten at least 20 over pts for captaining aa. AA remains a dangerous weapon despite his misses. he will find his shootin boot back. great to see our players linking up so well. AA have been doing more of dangerous infield runs. instead of running with the ball, the new style sees him making the run and our midfield to make the pass.
rosicky is like another fabregas! early in the match u could see how rosicky release aa for an one on one with the keeper. top class. finger crossed and twisted, rosicky dun injured.
our centre back looks promising for now.
All seems rosy but crisis will set in once almunia or e defence makes their first mistake. seems like we have no problem in scoring. Arsenal season will be make or break depending on these 3, squillaci, koscielny and almunia.
Tuesday 7 September 2010
http://sg.yfittopostblog.com/2010/09/06/10-steps-to-follow-when-buying-a-property/
By Mr. Propwise (courtesy of PropertyGuru)
Buying a home is the biggest purchase most of us will make in our lives.
Yet many people rush to buy a property with less preparation than they would planning a holiday. This can have financially disastrous consequences, especially in light of the new measures announced by the government on August 30th, which have created a lot of uncertainty in the property market.
Follow the steps laid out below when buying a property, and you will be much less likely to make an expensive mistake.
1. Decide whether you want to rent or buy
Buying a home is often an emotional decision. That’s fine – just make sure it’s a rational one too. Honestly ask yourself if you need to buy a home, and whether renting might be a viable option.
2. Calculate how much you can afford
First look at how much money you currently have, including cash and CPF. Note that based on the new measures, if you already have at least one loan outstanding, your minimum cash outlay will increase from 5 percent to 10 percent. Next, figure out how much you can borrow, taking all your outstanding debts into account. You can work with a banker, or use the affordability calculator available on LoanGuru (https://www.loanguru.com.sg/mortgage_affordability_calculator). Most banks will only lend up to a 35-50 per cent Debt Service Ratio (your total debt payments divided by your monthly income).
3. Figure out what sort of home you want
What are your current and future housing needs? For example, a newly married couple that buys a studio or one bedroom unit might find within a year or two that they need a two or three bedroom apartment once a baby is on the way. Would you prefer HDB or private property, if you can afford it? Which districts or areas do you prefer to live in? What are the amenities and public transportation options you want?
4. Build a list of options
You can choose to either use a buyer’s agent and/or go DIY. Look at both options offline (e.g. classified ads in the newspapers) and online (property websites) to get the largest pool to choose from. Based on what you’ve figured out from Steps 2 and 3 above, come up with a list of potential projects to consider.
5. Do market research and narrow down your choices
You can check the recent transacted prices of these projects from the PropertyGuru website. Compare prices there with surrounding projects. Compare the transacted prices with the asking prices. If you are buying for investment, look at the market rents and rental yields. Eliminate the projects that do not look attractive.
6. Go for property viewings
Based on this smaller list of projects, arrange viewings of at least a few different units in each project. It’s helpful to take photos and notes to help you remember what you saw. Visit each project at different times of the day and night to see if it is noisy or otherwise unpleasant. Narrow down your list to your top few units and do a second viewing if necessary.
7. Get indicative valuations and your mortgage pre-approved
Don’t miss this critical step! Before you make an offer, ensure that you have gotten an indicative valuation from a bank and an in-principle approval for a mortgage. You can approach the different banks yourself or use a mortgage broker to save time. Based on the new measures, if you already have an outstanding loan, your Loan To Valuation (LTV) limit has been lowered to 70 percent from 80 percent, so you’ll need to cough up more cash. Also, banks will only lend to you based on the LOWER of the valuation limit or purchase price, so if you are buying above the bank’s valuation, you will need to pay the difference in cash. If you are selling your existing home to purchase a new one and hope to borrow at 80 percent LTV, you now need to present proof to qualify (in the form of a signed purchase agreement for your current home and certification showing that stamp duty for your existing property has already been paid for by the buyer).
8. Make an offer and negotiate the purchase
Once you get the indicative valuations and at least one pre-approved mortgage from the bank, you can then make an offer knowing you can borrow what you need. There have been a number of unfortunate cases of buyers who have lost their deposits because they realised later that banks would not finance their purchase. When negotiating the purchase price, it helps to have a number of options on hand so you are not forced to overpay due to a lack of options.
9. Sign and exercise the Option To Purchase
If the seller accepts your bid, typically you have to put down a 1 percent deposit to get the Option To Purchase (OTP), and have 14 days to exercise it, by which time you will have to pay another 4 percent of the purchase price. Make sure you have the funds on hand to do so. Once you get the OTP, liaise with your conveyancing lawyer and mortgage banker to settle the procedures.
10. Complete the sale and collect the keys
Before the completion date, do an inspection of the home to confirm that all agreed on fixtures and items are still around. On the date itself, collect the keys and check that you have a complete set. Congratulations! You are the owner of a new home. Time to think about renovation and furnishing…
Mr. Propwise is the founder of the Singapore property blog www.propwise.sg; which aims to help people make better real estate buying, selling, renting and investing decisions.
Read more property news at PropertyGuru: (http://www.propertyguru.com.sg/market-news)
We’re in the process of migrating our comments system to another platform to better engage with you; comments may be disabled during this migration process. Stay tuned for further Fit-to-Post updates
Buying a home is the biggest purchase most of us will make in our lives.
Yet many people rush to buy a property with less preparation than they would planning a holiday. This can have financially disastrous consequences, especially in light of the new measures announced by the government on August 30th, which have created a lot of uncertainty in the property market.
Follow the steps laid out below when buying a property, and you will be much less likely to make an expensive mistake.
1. Decide whether you want to rent or buy
Buying a home is often an emotional decision. That’s fine – just make sure it’s a rational one too. Honestly ask yourself if you need to buy a home, and whether renting might be a viable option.
2. Calculate how much you can afford
First look at how much money you currently have, including cash and CPF. Note that based on the new measures, if you already have at least one loan outstanding, your minimum cash outlay will increase from 5 percent to 10 percent. Next, figure out how much you can borrow, taking all your outstanding debts into account. You can work with a banker, or use the affordability calculator available on LoanGuru (https://www.loanguru.com.sg/mortgage_affordability_calculator). Most banks will only lend up to a 35-50 per cent Debt Service Ratio (your total debt payments divided by your monthly income).
3. Figure out what sort of home you want
What are your current and future housing needs? For example, a newly married couple that buys a studio or one bedroom unit might find within a year or two that they need a two or three bedroom apartment once a baby is on the way. Would you prefer HDB or private property, if you can afford it? Which districts or areas do you prefer to live in? What are the amenities and public transportation options you want?
4. Build a list of options
You can choose to either use a buyer’s agent and/or go DIY. Look at both options offline (e.g. classified ads in the newspapers) and online (property websites) to get the largest pool to choose from. Based on what you’ve figured out from Steps 2 and 3 above, come up with a list of potential projects to consider.
5. Do market research and narrow down your choices
You can check the recent transacted prices of these projects from the PropertyGuru website. Compare prices there with surrounding projects. Compare the transacted prices with the asking prices. If you are buying for investment, look at the market rents and rental yields. Eliminate the projects that do not look attractive.
6. Go for property viewings
Based on this smaller list of projects, arrange viewings of at least a few different units in each project. It’s helpful to take photos and notes to help you remember what you saw. Visit each project at different times of the day and night to see if it is noisy or otherwise unpleasant. Narrow down your list to your top few units and do a second viewing if necessary.
7. Get indicative valuations and your mortgage pre-approved
Don’t miss this critical step! Before you make an offer, ensure that you have gotten an indicative valuation from a bank and an in-principle approval for a mortgage. You can approach the different banks yourself or use a mortgage broker to save time. Based on the new measures, if you already have an outstanding loan, your Loan To Valuation (LTV) limit has been lowered to 70 percent from 80 percent, so you’ll need to cough up more cash. Also, banks will only lend to you based on the LOWER of the valuation limit or purchase price, so if you are buying above the bank’s valuation, you will need to pay the difference in cash. If you are selling your existing home to purchase a new one and hope to borrow at 80 percent LTV, you now need to present proof to qualify (in the form of a signed purchase agreement for your current home and certification showing that stamp duty for your existing property has already been paid for by the buyer).
8. Make an offer and negotiate the purchase
Once you get the indicative valuations and at least one pre-approved mortgage from the bank, you can then make an offer knowing you can borrow what you need. There have been a number of unfortunate cases of buyers who have lost their deposits because they realised later that banks would not finance their purchase. When negotiating the purchase price, it helps to have a number of options on hand so you are not forced to overpay due to a lack of options.
9. Sign and exercise the Option To Purchase
If the seller accepts your bid, typically you have to put down a 1 percent deposit to get the Option To Purchase (OTP), and have 14 days to exercise it, by which time you will have to pay another 4 percent of the purchase price. Make sure you have the funds on hand to do so. Once you get the OTP, liaise with your conveyancing lawyer and mortgage banker to settle the procedures.
10. Complete the sale and collect the keys
Before the completion date, do an inspection of the home to confirm that all agreed on fixtures and items are still around. On the date itself, collect the keys and check that you have a complete set. Congratulations! You are the owner of a new home. Time to think about renovation and furnishing…
Mr. Propwise is the founder of the Singapore property blog www.propwise.sg; which aims to help people make better real estate buying, selling, renting and investing decisions.
Read more property news at PropertyGuru: (http://www.propertyguru.com.sg/market-news)
We’re in the process of migrating our comments system to another platform to better engage with you; comments may be disabled during this migration process. Stay tuned for further Fit-to-Post updates
Saturday 4 September 2010
Football celebration
http://www.youtube.com/watch?v=u52QWAH3YRs&feature=related
http://www.youtube.com/watch?v=nBdgoWTzknc
Guys u got to see the football celebration....lol
http://www.youtube.com/watch?v=nBdgoWTzknc
Guys u got to see the football celebration....lol
Friday 3 September 2010
Wenger, good or bad?
Net Spending
1997-8 to 2002-3
1 Manchester United £87.5M
2 Liverpool £63.3M
3 Tottenham £59.7M
4 Manchester City £55.9
5 Chelsea £50.7M
6 Arsenal £18M
2003-4 to present
1 Manchester City £361.6M
2 Chelsea £315.3M
3 Tottenham £119.7M
4 Liverpool £106.8M
5 Manchester United £46M
6 Arsenal -£5.1M
In the face of these pressures, Wenger has kept Arsenal at the top
Quoted from fan blog, hate him or love him, wenger did a fabulous job. BUT now tat debt and stadium issue has been stabilise, we should be look forward to some success in football terms.
1997-8 to 2002-3
1 Manchester United £87.5M
2 Liverpool £63.3M
3 Tottenham £59.7M
4 Manchester City £55.9
5 Chelsea £50.7M
6 Arsenal £18M
2003-4 to present
1 Manchester City £361.6M
2 Chelsea £315.3M
3 Tottenham £119.7M
4 Liverpool £106.8M
5 Manchester United £46M
6 Arsenal -£5.1M
In the face of these pressures, Wenger has kept Arsenal at the top
Quoted from fan blog, hate him or love him, wenger did a fabulous job. BUT now tat debt and stadium issue has been stabilise, we should be look forward to some success in football terms.
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