MJ2009:

cktee:

Just checked with them. They can't provide separate service to student care centre as they are under contract.


Think have to look for private bus operator.

Thanks anyway.

Hope you manage to find the bus operator by now

Can I check if you bought ALL that is listed in the booklist? Was looking at the stationery and wonder if they will use whiteboard marker, 2-button plastic file, etc...?

Plastic file I buy cos some bear the logo of the school. as for white board etc, stationery, chinese words card I din buy cos few yrs back my niece oso bought, in the end, seldom use.

Actually noted the school sell books slightly more X then some of the other school (compared the booklist), but as some of the book title not v clear, so bo pian buy fr them.

Think the stellar english and the social studies like quite diff to find, unless u go other pr sch to buy. Next monday there will be another sale.

My girl and niece will be going P1 next yr. Just bought our Uniforms today.

I do re-pricing when the rates up, so paid 500 admin cost.


I think is better to retain longer tenor, cos imagine if u suddenly short of cashflow, u want to lengthen the tenor, is v difficult, subject to approval, but shorten it v easy.

Even though my rates dropped, I tell them I want to retain the monthly payment amt, so that more payment towards the capital.

You can consider TM Asia Life Educational plan, so far TMAL well known for never cutting their bonus rate.


Just bought one for my girl last year.

Hi, I have DBS home loan of about $200k for 30 yrs, I am paying it off very slowly because I want to keep my CPF. My loan interest is about 1.75 while my CPF interest earned is about 2.5%; due to compounding interest effect, the interest expensed definitely would be lower than interest earned and is not worthwhile to pay off the loan now.


In addition, if you need to buy a new house, currently government set a cap on borrowings, so if u spend all you have, subsequently if u want to buy house, maybe abit troublesome cos u need to time ur buying and selling nicely so that the funds can be contra off.

Lastly, CPF can also be used for education, as such, I also plan to keep it for my children tho I already bought educational insurance for her.

Yap, the withdrawal age is locked in the year u open the a/c, I just opened it last year and put in $1k in case they revised the retirement age this year.

you should at least get $1 mainteance fr him, just in case he strike toto in the future, dun give up your right totally.


My sis’s ex never go court today, the court has issued warrant of arrest.

I created SOP for my maids, with every details, then I gave her a schedule on what are the things she need to do daily, what are the rotational duties.


Even with that detail, she dun follow, when asked her why, couldn’t answer. She with us for about a year, just resigned and left yesterday. She was a transferred maid, worked in Msia before for 4 yrs, ex-employer dun like cos she can’t cook (according to the agent).

Lucky she left the SOP behind, now I just have to follow…

PS : we were very good to her, and she also quite free at home, reason she quoted for resignation was she missed her family.

my sister divorced her husband before her 2nd child was born, her husband run away from family when he realised that the 2nd child was also a girl, like the 1st one.


He gv up custody, but fought for visitation rite, now my younger niece already 6 yo, he had never bother to visit them. He also had been paying maintenace irregularly, sis had sue him so many times, either he claimed he jobless or he claimed my sis wouldn’t allow him to visit the kids.

After using both excuses so many times, now court also dun trust him, currently my sis going to family court tmr to sue him again, hopefully, this time can put him in jail to teach him a lesson.

Though your husband not working or not earning much, is his problem, so long as you requested for reasonable maintenace and court approve, he has to pay, otherwise, they will help him to find a job, if he refused, they will take harsh actions on him, so dun be lenient w him

does your wife has any sibilings, maybe u can ask for their help to talk to your wife.


If you really did nothing wrong, there is nothing to fear, and if your wife really leave your because of another man, and you have evidence to prove it, the court may rule in your favour.

(keep the sms if any that they send to you, and please don’t send threatening sms to them, cos these may be used against you if later the case go to court).