Sunday, November 30, 2008
Saturday, November 22, 2008
Christmas is here!





A pity I only have my mobile phone with me but I guess it is better than not having any=P
Saw the KFC jingle bell TVC in support of the deaf association the other day. Find it quite nice & meaningful.
Christmas is near=)
Tuesday, November 18, 2008
Berries Porridge!
Sunday, November 16, 2008
Food Note - Sun Dinner @ Compasspoint
Good run!
Cranberry & Blueberry porridge, anyone? Gotten it from Marks & Spencer. It comes in a box with 8 individual sachets. 2.5mins in the microwave & it is ready to be served. I don't hve a microwave @ home, which means I need to cook it for 5 mins over saucepan. It shall serve as a good meal choice for me next week since mum is not around. Will update on how it tastes, hope it is not too disappointing.
Organic pure camomile infusion, relaxing? It is in fact naturally caffeine free and should be a light & refreshing herbal tea. From Marks & Spencer too. Comes in a small box with 20 teabags. Product of Egypt, blended & packed in UK. Shall try in office & share the true flavour soon!
Fiesta Cheesecake, is always so tempting! Had dinner @ ichiban sushi. Can't resist not lugging the box of cheesecake home. It shall be sis, bro & my breakfast for sun morn. Luv Fiesta Cheesecake cos it is baked.
Sunday, November 09, 2008
Joy of ice-skating
Went ice-skating @ kallang leisure park with sj, js & xq this afternoon. The exhilarating thrill of ice-skating is the freedom to glide smoothly with nice music surrounding you. Imagine yourself skating in an outdoor ice rink in a winter city with blue skies, fresh breeze, snow flurries & a festive mood.
What a joy it will be!
Food Note - Sun Dinners
Sunday, November 02, 2008
Golden Rule of Investing: Know Thyself Pass It On...
____________________________________________________________________________________

We are living in exciting times. The financial markets are in decline and uncertainty prevails. Nevertheless, in every adversity there is opportunity. Every few years the world markets present good investing opportunities. I wasn't ready during the 1998 Asian Financial Crisis and the 2001 market decline. This time however, I'm not going to let this golden opportunity slip away. Of course there are risks. But will you simply sit on the sidelines? Or will you seize the day and make the best use of the opportunities presented?
Golden Rule of Investing: Know Thyself Pass It On...
Everyone is familiar with the investment maxim, "buy low, sell high". There's no "lower" time than in a bear market similar to the one we are facing now. Before jumping in with our hard-earned money, there are certain things we first need to know. Even though all investors try to make money, each one comes from a diverse background with different needs. Thus, success depends on ensuring that our investment strategy fits our personal characteristics.
There are two tiers in knowing ourselves. The first is to know our "financial situation". The following factors are a general guide to knowing our financial situation:
Financial Situation
1) Expectation of change: Do we have enough finances to meet immediate needs? For example, if we have financial obligations to meet in the next six months, it's not be advisable to speculate with equity funds, hoping to make a "quick buck". It's also not prudent for someone who has sufficient backup to try to grow their monies from the meager interest banks pay.
2) Investment goals: We should always have an investment objective in mind. A retiring professional would have different investment goals as compared to a young couple just starting out. Is early retirement our goal? Or is enjoying a luxurious lifestyle more important? This determines the investment instrument we would choose.
3) Time Horizon: How long can we stay invested? The longer the time frame, the more likely to receive a positive return. Also, the longer the time, the less risk there will be, citrus paribus. Conversely, if we are only out to make a "quick buck", chances are, we won't do very well.
Unique Individual
The second tier is knowing ourselves as "unique individuals". Individually, we are "wired" with certain behavior biases and personality traits. What's your personality? Do you love extreme sports and the thrill of risk? Or do you prefer reading on your bed while enjoying the stability and safety of your room? Obviously, a compulsive gambler, a worrier, or simply someone who has no interest in, or capacity to learn matters of finance, should stay away from making investment decisions. You may be well-acquainted with yourself already. If not, you may want to try this online personality assessment based on the Jung-Myers-Briggs typology.
Only through understanding our financial health, preferences and personalities can a proper investment plan based on our unique needs be drawn up. As your personal Financial Services Consultant, I am committed to being your Right Partner; to help you understand your needs and plan your investments. So, don't be a stranger; and let's work together on a proper financial plan to ensure you have all the information you need before making any financial decisions.
Pass It On...
Is there anything we can do differently the next time to make it better and more valuable for you? What would you like to see in our subsequent issues? If this newsletter has been beneficial to you in some small way; please share it with your friends and family. Please don't hesitate to contact us should you require more information or would like to meet for a personalized Financial Healthcheck.
Ubin!
Saturday, November 01, 2008
Asia's Top 20
Looking @ the menu, I definitely want to try one fine day.
___________________________________________________________________________
Four Singapore restaurants voted as Asia's Top 20
By Asha Popatlal, Channel NewsAsia Posted: 01 November 2008 2112 hrs
SINGAPORE: Few would dispute that Singapore has some of the best street food in the region.
But now, according to the inaugural Miele Guide, published by German home appliance maker Miele, Singapore also has Asia's best fine dining restaurant in the form of Iggy's.
However, choosing the best was not easy.
It took 84 of the most respected food critics, votes from over 15,000 diners across 40 countries, and a special jury of 1500 journalists and foodies, to come up with the final list.
Eight Hong Kong restaurants and four in Singapore made it to the list of Asia's Top 20 Restaurants. The ones from Singapore include Les Amis, Gunther’s and Garibaldi, which are placed at the third, fourth and seventh spot respectively.
To come up with the guide that lists 200 of the best, restaurants in 16 countries were evaluated.
Managing director of Miele South East Asia, Mario Miranda, said: “There was actually no serious credible guide in Asia - such a rich and diverse region, such great dining experiences."
The full list of the Top 20 restaurants is available at this website.