scb as main acct, uob/dbs as convenience acct.. yeaps.. then get cards from both sides... scb use e-savers acct current acct + chq n high yield if u meet criteria, uob just regular savings will do... got xtra $$? upgrade to preferred/priority banking, dont need line up

wat has cash got 2 do wif internet?

no cash no problem... need fast cash? contact aloong guaranteed halal too...

pm mackiddo or deodorant for vvip club... accelerated learning bout living in sg, funded by wda, supported by temasek, a community project by hdb... free gifts upon registration... perks n benefits awaits you

yes, or u cant convert... no translation needed... btw, dont need to declare intent of extract application to jpj

criminal record, std record, mental health..

no lar, will rent instead coz if go private also will be renting not buying...

johor west welcums u 2nd link to changi ftw!

msia hard meh? sg was easier i think..

u ask hdb lor.. singkie would say, tak suka keluar!

yes, standard procedure to report to hdb... you can request house title, house insurance and approval/acknowledgement from hdb that u r renting..

yes, depending on the owner's status...

oss.. so u r sub tenant... yes, make sure d main tenant pass the info to the owner... get the rental agreement and IC/work pass from d main tenant...

submission for residency... but if renting... gotta declare too

yes, u r right..

no regrets la.. the key is use averaging... change a bit over a period of time... so forex fluct wont affect u too much

dont say ppl like that...

toughnut got promotion again?

can accommodate 2 instead? make it even number... me n my is trying to save $$$

there's 1 newbie going to be a teacher here... forgot his nick, scroll back few pages

me too...

ng waifu no gf, go geylang also will work? 5% more pay

Having more sex leads to higher wages: Study

People who have more sex tend to earn more than others, a recent study has found.

The study on 7,500 people by the Anglia Ruskin University in Cambridge found that those who engaged in sexual activity at least 4 times a week earned up to 5 per cent more than those who did not.

People who did not have any sex at all earned 3 per cent less than those who did.

Workers who have more sex tend to have higher confidence, thus allowing them to be happier and more productive at work, the study suggested.

Sex also increases a person's satisfaction with their lives, allowing them to have a more successful career too.

While the study found that more sex could lead to higher wages, it also suggested that higher wages could lead to more sex as well.

As individuals earn more, they can seem more attractive to others, researcher Nick Drydakis said.

Human Resources Online reported that there are many reasons why more sex could lead to a better work life.

For instance, sex helps to keep stress away and those who have more sex tend to be more relaxed and less anxious than those who do not. Sex also boosts an individual's happiness by making them feel better about themselves.

Moreover, sex might also help to relieve bodily pain. According to Human Resources Online, a study found that over 30 per cent of patients who had sex experienced relief from headaches and migraines.

- See more at: http://business.asiaone.com/career/news/ha...h.dhIC56np.dpuf

you traded before?

tony pua and yeo bee yin ftw

sime darby all kroni and tongkats inside one... badly run

i rikes how u change gender to bait

not everyone makes sgd 12k/month on first salary like u la... zzzz

msia dont need to eat and roof over the head?

bicycle or motorbike?

bicycle ask jitsiong

motorbike ask lester1987 / washabushi

wats d trading coy's name?

ohh... trading in sg? apa coy name?

amoi... sure bo?

wats d name ler...

hmm.. 1 pearl or 2 pearl?

hahahahaa... i know which one liao...

ayam hokkien... know a little cantonese only.. dun get it

hmm... tulen

http://www.smu.edu.sg/programmes/professio...mmodity-finance

http://www.smu.edu.sg/programmes/professio...nal-oil-trading

ambil ini then maybe can intro u to some traders... or u can network yourself during class...

Why Singapore could be suffering from a 'labour supply shock'

Foreign labour continues to tighten.

According to Morgan Stanley, not only is Singapore contending with secular global demand shock, it is also contending with domestic issues of its own – essentially “a labour supply shock”.

"An ageing population and a need to wean the economy from dependence on foreign labour given infrastructure/political constraints means that policymakers have undertaken steps to slow down the growth of foreign labour.

To the extent to which an aggressive immigration policy had lifted labour inputs and driven growth," says Morgan Stanley.

Here's more:

Our upward revision to 2013 takes into account a stronger-than-expected 1H13 GDP growth and the carry over effect this may have on 2H13 GDP growth.

Our downward revision for 2014 incorporates the downward revision that the global team envisages for EM economies as markets adjust to a less easy Fed policy.

Moreover, the exogenous tightening is also likely to take the wind out of the previously strong credit growth cycle in Singapore.

Our thesis on Singapore remains broadly unchanged. The economy is transitioning from a “Goldilocks” period of high growth and extremely benign inflation seen in the run-up to 2007, to one in which growth is likely to settle at a newer lower normal whilst inflation is likely to trend higher.

This is both due to global developments and idiosyncratic issues at home. On the growth front, growth has trended down from 8.5% CAGR seen in 2004-2007 to what looks likely to be a 3%-4% range going forward.

Indeed, macro-rebalancing (first in DM and now also EM) point to a global growth which would be significantly lower than the 5% CAGR seen since 2004-2007.

MS Global economics team expects 2013/2014/2015 global GDP growth at 2.9%/3.5%/3.7% respectively.

Given that domestic demand is hardly domestic in nature for the small open economy, the spillover growth implications for Singapore are already being felt

- See more at: http://sbr.com.sg/economy/news/why-singapo...h.CBQmWQr0.dpuf

eh, tee is ur trader?

eh u from the mill, product, trading or oleo?

you leech off parents izzit?

you mean your meal allowance...