work!!

its about work again!!! its never ending.

Damn the person who post that pcs of crap in the forum and created such an arrowshoot in the intranet.

Causing me to redo the poster for publicity. Urgh. my whole afternoon was gone like that. So if you happen to go to CPFB @ Robinson Rd, take the lift. You will be able to see a poster for Service Excellence Award. Its done by me. Tiring job man!

And i still have a whole list of to do list man! Due TMR!! KILL ME.

Well, i hope the effort i've put in will pay well tmr when the bosses does the ranking. I must pray!!!!!!!

Its about work again :(

Work is piling again. Worst than the previous rounds. Nearly suffocate today. And my colleague was nagging non stop when she dun even know my workload. I had to settle things one at a time, and she yak and yak and yak. Appraisal had to been submitted by friday and im half done only. Well, this doesnt determine my performance, caused i'll be ranked on this friday. Hopefully i will be getting a good rank and a jump in my grade. So i will be seeing pay raise tmr.

Almost 2 years at the board, i realise i did so many things. Though im just doing admin, felt i do much more, theres a sense of accomplishment lah.. publishing monthly newsletter, doing different announcement, updating intranet for the division and department, designing booklet for events. And the recent advertisment for business times. Man.. i didnt know i could do such things. theses would really help my ranking la.. and at least the Director and DCEO knows that i exist la. Hopefully i will get promoted la.. And one of the SE is becoming AM. Good for her. But more work to come.

Well, im just waiting for the publish of Business Times!!!! My first masterpiece in newspaper, though theres only abt 30,000 viewership in Singapore. But, at least there is someone who bothers to read la... Its some award thingy which will be announce officially. Stay tune man!

tt's something which boost my morale at work. Something i will feel proud of at least :)

Retire With S$1 Million – even if you haven’t started to save

http://sg.promo.yahoo.com/managingyourmoney/article?blogid=mmoney_features&postid=1&viewPost=1

I should start saving and hit 2.5k by 25!

Planning for your retirement when you are 25 years old may seem a bit far-fetched. But the benefits of starting early cannot be underestimated.

Assuming that a person starts working at 25 with a salary of S$2,500, you would need to save S$158.30 per month to ensure that your retirement income can stand at S$2,500 per month during your retirement days, which we assume will run from the age of 62 all the way to 82. Even with no savings to start with, having a regular savings plan (RSP) may be a good way to start planning.

An RSP would ensure that you have the discipline to force yourself to invest – there is little room for excuses! Very often, we may be tempted to use up our savings for a travel trip or to purchase that dream car. And even for those who believe in the merits of investing, they may not have the discipline of investing regularly because they feel it is not the "right" time to invest. This could be especially true when markets are going through a bull run and some may feel that it is too expensive to go into markets. An RSP is a disciplined way to ensure that you will invest no matter markets are up, down or sideways.

If You're 35

Scenario 1

Savings: S$0
Monthly Salary: S$6,000
Rate of Increase in Wages: 3% p.a.
Number of Months in Bonus: 2 months
Housing Loan: S$800 per month over 30 years
What You Need to Save per Month for the next 27 years: S$666.57

Scenario 2
Savings: S$40,000 (earning 1% p.a.)
Monthly Salary: S$6,000
Rate of Increase in Wages: 3% p.a.
Number of Months in Bonus: 2 months
Housing Loan: S$800 per month over 30 years
What You Need to Save per Month for the next 27 years: S$620.73

At the age of 35, the monthly salary is assumed to have risen to S$6,000. But being able to afford an expensive lifestyle has meant that there are no savings in the bank account, and now you have a housing loan to deal with. While things do not look very bright, it is not too late.
Save S$666.57 per month and you could ensure that you have S$2,500 every month during your retirement days.

If You're 45

Scenario 1
Savings: S$0
Monthly Salary: S$8,000
Rate of Increase in Wages: 3% p.a.
Number of Months in Bonus: 2 months
Housing Loan: S$800 per month over 20 years
What You Need to Save per Month for the next 17 years: S$1692.34

Scenerio 2
Savings: S$40,000 (earning 1% p.a.)
Monthly Salary: S$8,000
Rate of Increase in Wages: 3% p.a.
Number of Months in Bonus: 2 months
Housing Loan: S$800 per month over 20 years
What You Need to Save per Month for the next 17 years: S$1582.63

At the age of 45, things will get tougher if no plans have been made yet for retirement. After all, the time horizon till the retirement age of 62 is less than 20 years. Assuming that there are no savings in the savings account, you would need to save S$1692.34 per month. And even
with savings of S$40,000, you would still need to save S$1,582.63 per month.

If You're 55

Scenario 1
Savings: S$0
Monthly Salary: S$10,000
Rate of Increase in Wages: 3% p.a.
Number of Months in Bonus: 2 months
What You Need to Save per Month for the next 7 years: S$5319.54

Scenario 2
Savings: S$40,000 (earning 1% p.a.)
Monthly Salary: S$10,000
Rate of Increase in Wages: 3% p.a.
Number of Months in Bonus: 2 months
What You Need to Save per Month for the next 7 years: S$4937.02

The lesson is to start early. The later you drag your retirement planning, the higher the cost. You would need to save over S$5,000 per month (over half your salary) from the age of 55 to 62 to ensure that you have S$2,500 per month during your retirement days.

Back in SG

the trip was good. Berjaya Times Sq is good! love the king size bed. mike and i walked the whole of bukit bintang, chinatown, KLCC, Mid Valley and the shopping mall at BJ Sq.

Hope i can go somewhere else next year!!!

went to hdb site to do balloting again. this time round its AMK!

hopefully the priority scheme is of use. else theres no point having priority queue.

so we can stay near both our parents.

if its for us, He will have a plan for us.

we'll be praying for it to come to past.

Keep us in prayer!

The End Product


Before

After

Sew the blue on few years back. looks ugly, still got another one at his home. so total got 3 liao.. So hows the latest product? big enough to hug!

The product

Finally. i finish sewing everything. A bigger than pillow size crap. its huggable and almost becoming a bolster. Intending to bring that big stuff to KL and chuck it under the bed. Wonder can it succeed. haha.. thats my plan la. Its next week already!

Hooray....!

But then he is still at work. Wonder what time will he finish work. And i got to wake up early and reach office at 8am man! Just becos the bosses has a team building event and i have to help out the logisitcs. sianzation man. but its still job la. doing more saikang each day.

And i have to be a kpo to manage pple's uniform and accesses and all type of nonsense.. starting to feel bored abt that job. but still its a job la. at least im occupied with stuff, rather than shaking my leg at my desk.

But a good news is. i've got a new pc! the monitor is faster and its better than the old one. the It guy was cute la. i got a few stickers (ya. kiddo) pasted on the keyboard. he even manage to take it out and paste on the new keyboard. Not bad la...

Back to the KL trip. I still haven plan out the iternary as to where i should go man.. And he cant be bothered too. He said its me happy la not him. Machiam my birthday like that. Well... its an opportunity for him to have a good rest and relax.. Just intend to get the stuff i wan like make up and some clothes thats all.. not hardcore shopping la. relax and walk around.. we got 4 days man!

till then..

Lousy Weekend

Feeling really lousy. All he cares is just to play mj. Watch Inglourious basterds on friday.
Saturday, laze at home the whole day and mj at night. And sunday, which is today, at home again, and his house or a while and back to mj.

Though we are low in cash, we still could go somewhere. But in his mind he is all about mj.

Feel that we are drifting, and i suppose i just let it drift. My heart feels colder and further too.. Perhaps its really time soon after almost 6 years relationship. Im tired of waiting and waiting, getting angry and sad for no reason, and seeing him vent his anger. Im really tired of it. Whats the point of holding on when i dun even have 5 min to talk on the phone when i didnt see him or contact him the whole day?

Sometimes i jus see its coming to an end. I just want to keep to myself. Im so tired about thinking alternatives.