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As we can see, anything related to Filipino is a sensitive issue lately. Another good example for squandering away money is the recent news about the Indian lady from Johor who received a huge sum of money from donations & insurance payout due to her deceased husband. I read with anger &...

Ladies & gentlemen, ultimately, we're discussing about our retirement, this is what the CPF is set up for. The government does not and will not look after us so it's a forced saving. There's nothing much we can do about it unless we vote them out & put someone more resourceful in taking care...

Hahaha the first post is funny but quite true. In Malaysia, many drive in their own world & some don't even care if there's other traffic users. They see something on the right, they just turn right without signaling, crossing 3 lanes & don't check blindspots. Many also don't know the law of...

Thank you Uncle Fai but of course cannot rely on full settlement from Cpf, probably only enough to buy an overseas apartment for me so maybe sell bakuteh there :D

No. Was tempted a few times before Iskandar was even up, back then the landed prices in JB Palace area was RM100/sqft which was a premium while those projects in the now Iskandar area were Rm30-60psf. The reasons I don't buy into the southern state are: #1 Poor Security #2 Poor public...

The way I look at it? Surrender our passport & migrate is the only chance to see 100% refund of your CPF & hopefully the Medisave too.

In UK, if one were to use non factory specified tyres and has an accident, the insurance company will void your claims :o I drive a lot of high performance cars and everyone of them can be modified to extract more power etc. All car manufacturers de-tune the engines so that the car operates...

Eloquent jargon my dear forumner. Roy would have been a nobody until the spotlight was turned on him & making him a martyr is the last thing a politician would want. 得饶人处且饶人； To err is human;let people off easily whenever possible

Surely we have heard of bad cheques? In this case, it's more of post dated cheques. My friend just turned 55 & discovered that he cannot touch his special account. There's also a min sum ($43500) needed in Medisave failing which monies from OA (ordinary account) or SA must be transferred to...

https://www.flickr.com/photos/911sg/14090560285/ https://www.flickr.com/photos/911sg/14090560285/

Professional models need to pay bills so unlikely they'll trade but you can start a "casting" thread & try your luck in MM. Otherwise, some talents might be willing to trade.

Most of us have actually not heard of Roy until the suit & that's when people start to Google. So, how many of you here have read his postings? On the contrary, some of us in the business world feels that the PM has own goaled this time. Yes, he will win but he has also lost. Most of us...

Wah lau very the funny leh http://www.youtube.com/watch?v=3EjqHxLtwSQ

The thing about property is yes you rake in profit but if it's your only property aka home then you'd be buying another property at similar market conditions as well so it's really money from left to right pocket unless you cash out & rent but then you have opportunity loss as well plus the fact...

;) Aiya, we also had traitors too remember?

They look 1/2 to 1 stop over-exposed as her skin is blown off without details especially against the white painted doors. Anyway, it can be adjusted in PS but I would dial down the flash in the first place. Poses wise, they look stiff & bored. Put her at ease & speak to her. You can check out...

That's called military intelligence or intel for short. During WW2, the British & Allied forces depended largely on the Engima device that decifered the German Navy's U boats plans which helped them won the Altantic front while the US used Japanese American cryptologists to listen on Japanese...

The last image is best of the lot & whitening of her teeth will look better in PS. #4 is a huge NO! That pose+tight crop looks as if she just snapped her head.

Pretty fun but very exhaustive work http://www.thephoblographer.com/2013/09/22/creating-the-photograph-jaroslavs-milky-pinups/#.U3dVELFhsSg

Nice use of wide angles & wonderful location.