i've reached safely. but im lazy to reply ur PM. 

why you and Maxd suddenly popped up of no where? 

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Added on July 26, 2009, 3:44 pm
Choi!

Haha. Yeah. Thanks. I think I am younger in terms of age too.

This sounds scary. Then everybody would be like 'which one is eyhc89? HAR? that fugly one?' 

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Added on July 26, 2009, 4:50 pm
NEVER. haha. I doubt you will come down to Penang International Airport to do that.

 
wun la.... u'll be

which one is eychc89? that one lo..... ooooh......

end of story.

there are few penang peopel i think, one of it is max

oh nope
the chinese and indians complained so the government has to sell to them now
RM 1.6b was sold out on the first day itself

I don't know but I'm shocked to see less people here on weekends although I understand the ration of it.
Is there a big difference from old times of SC compared to now?
Cheesenium and Kampung seem to agree to the fact that it's being very different from old times.

it's only useful if you have some amount of money that you're not gonna spend anytime soon because its going to take time for the compounding effect to generate returns high enough to compensate your freedom of spending it now

sammore you have to keep pumping in money whenever the bonds are being offered in order to maximise the benefits
it will be like a forced saving making ur life miserable unless you really have no desire to spend your money or virtually have no idea what to do with ur money at least for the next few yrs?

young ppl ought to go for aggressive investments

huh? you should know how wert

two options:-

by being a capitalist
or gradual savings from permanent or temporary jobs until you have a lump sum

in addition to that, proper financial planning spending behaviour (go read money basics - time value of money, compounding and discounting effect until you can apply them in real life)
by that time u'll be knowing how to manage your loans and plan ahead

e.g. if your only source of income is your monthly pay, learn to appropriatel distribute the amount that should go to amortized home loan, stock market investments, insurances etc

the result of good financial management = i bet with you with no more financial woes

have to keep pumping in coz u'll get more returns mah by maximising the earnings from premium they offered

that will not happen if you dont over spend, i.e. spending (on items that will not generate returns) more than you actually earn

harlo maggi.