I now have lots of S$1 and 50 cents coins already pre-sorted in those plastic ear-buds containers!Yes, knew of the coin deposit machines of DBS bank but the coins are simply too heavy! So I always transfer the equivalent amounts into my DS' kids accounts via internet banking (same as for ang pow money!). This is a much more convenient way.However I still need to dispose of these coins! My DS is still too young to help me count. One good way to use it up is to spend on those kids' machines with music or sweets/toys! Another way is to use a purse and pay lunch with all coins! :celebrate:

A question to traders in stocks/shares, what chart software are u guys/gals using?I am currently using ChartNexus which is free. Anyone has a better one to intro?Thanx in advance.

hquek: I enjoy the idea of savings generating 4% p.a. Last year alone, I think we saved 10K in interest charges. Although I cannot take out that interest and spend, it's gratifying that i'm not paying that sort of money to the banks.Yes yes... to think about 4%, it seems exorbitant now. I really enjoy banking with CITI. My hubby decided to just pay the $500 conversion with UOB so that our interest rate will reduce immediately. If not, we need to wait for 3 months for the switch to other bank. We told ourselves that in 9 months time, we will start to inform the bank and probably make the switch to CITI. Are HSBC, Maybank or SC flexible with such charges??? Anyone can share? Yes, CITI is really good at waiving of such charges. My 2 other loans were even before the lock in period. I just called them to discuss the options. They not only offered me the significantly lower rate package but also waived off all penalty or other charges. This is why I would prefer to stick to them. This is superb service.

Dreamgear:zeedoo:Thanks for the heads up, but what's the service record to be used for?To establish that when u handed over, the aircon is in working condition. Your tenant will have to get a service contract for the aircon, to service to aircon regularly.I have never bothered with the service record. I do however agree to pay for repairs/maintenance issues within the first month of the tenancy. After that, it's the tenant's responsibility. So far, tenants have found it fair.

Must take DHA, check out the brands and choose the one with the highest level subject to budget of course.

jedamum:no he didn't, but i felt so guilty and i allowed him to use 30min of computer today (still under 'playing with bro' activity cos he played the 2 player game with his bro). :oops:You have good boys lah, jedamum

Related to CNY, how much do you give for red packets to colleagues’ or friends’ kids?

Just read on Sat's papers that gahmen complaining birthrate went down again.... Serious or not? I see my friends pop until their tummies so loose already... I am really curious about the breakdown of the statistics...times like this, I am keen to read statistics.

Hi,Does anyone know where to get this???

any recommendation for induction cooktop? am searching for one but not sure which is good.