The Key To Financial Planning.

Start When You're Young And Do Know That It's Never Too Late To Start.

Most People In Our Current Generation Are Really Spendthrift. Sometimes It Feels Like What's On The Outside Is Worth Way More Than What's On The Inside. Branded Goods Everywhere. Not Like It Matters Because Did You Earn It? Or Did Your Parents Bought It For You? If Your Parents Did Earn It Then Do Know That Your Outfit Just Depicts Your Parents Sweat And Perspiration, Not Yours. You Earned It? Of Course You Have The Right To Spend And I Have NO Right To Stop You. How Long Did It Took? Is The Image You Are Portraying Worth The Effort? If You Are Making Tonnes Of $$$ Then Maybe This Would Be A Small Issue, But If You Are Not Spending Within Your Means Then You Better Think Twice.

So What Is Financial Planning About? In My Definition, It Is About Managing Your Expenses Based On The Income/Allowance You Have And Plan For The Future. Do You Want To Get Married? Do You Want To Start A Family? Do You Intend To Start A Business? All This Requires $$$.

Financial Planning Revolves Around $$$ But Do Note That $$$ Isn't Always A Need.

Food Is. Water Is. Oxygen Is.

Most People Have The Misconception That $$$ Is Everything When $$$ Is In Fact Just A Medium Of Exchange. A Good Example Of When $$$ Would Be Useless Would Be In Times Of War. I'm Pretty Sure One Would Be Willing To Offer You All Their $$$ If You Can Offer Them Food. Another Example Would Be When You Have Your Own Farm Or You Are Capable Of Manufacturing Or Producing Your Own Needs. To Put It Simply, If You Are Capable Of Self Sustaining, $$$ Is Worthless.

Not Able To Do So? This Is When The Need To Work Comes In. You Work, You Get Paid And With This Amount Of $$$, You Buy Goods And Services. Most People Think That The Pay They Get Is What They Have Earned. The Truth Is, You Only Earn A Dollar If You Save It. If You Spend It, It's Gone. If You Save It, It's Still There. It Can Shelter You On A Rainy Day. It Can Multiply. And Last But Not Least, It's Still Yours. Keep It. It'll Come In Handy Some Day.

Saving Isn't Really That Difficult. The Trick To Doing So Is To SAVE FIRST BEFORE YOU EVEN START SPENDING! Try It. It's So Much Easier. The Rational Behind Starting When You're Young Is To Benefit From The Compounding Effect. A Dollar Saved Today, 10 Years Down The Road Could Be $1.10. And It Grows Even More As Time Passes. Does Not Seem Significant In The Short Run But Definitely Has A Huge Impact When You Are About To Retire.

I'll Give A Simple Illustration Of How I Save-Up Since I'm Managing My Own Expenses Right Now. (You Can Make Use Of Apps To Keep Track Of Your Daily Spending)

Current Allowance  : $40 Per Working Day
Total                        : About $840 Per Month.
Transport Expenses : $51 Per Month (Bus & Train Concession)
Target Saving          : $550
Remaining Amount : $239
Average                   : About $10
Assumption             : I Have My Meals At Home On Weekends And I Don't Spend $$$ On Entertainment.

OR

Average                   : $9
Entertainment          : $25
Assumption             : I Have My Meals At Home On Weekends

Possible? Yes.

Percentage Of Savings On Total Salary = 65.5%. If Assuming I Have To Spend On Weekend Groceries As Well, I Would Still Have Over 50% Of Savings.

So It All Comes Down To The Ultimate Question: Why Save? Everyone Has Different Reasons As To Why They Should Save, But I Will Give The Most General Reasons.

The 3 Most Important Things That An Ordinary Person Should And Would Consider About In Their Future.

1) Buying A House

Property Prices Have Been Falling Ever Since The Cooling Measures Have Been Implemented But They Are Still High. And You'll Never Know When Prices Of Properties Could Sky Rocket Again. Expect To Pay Installments Your Entire Lifetime If You Don't Start Learning How To Save. The Longer You Take To Pay Off The Installments, The More Interest You Are Paying. $$$ Down The Drain. Plan Properly And I'm Sure You Can Get To Pay Off Installments In Probably 20-30 Years.

2) Starting A Family

Have You Ever Thought Of Having Kids? If No Then Congrats. You Have Saved Yourself A Huge Sum Of $$$. Just Know That When You Grow Old, There Won't Be Anyone To Take Care Of You. If Yes, Then You Better Start Planning. From Diapers And Milk Powder To Food, Education And Daily Necessities, Be Prepared To Folk Out A Huge Sum. So, If You Don't Plan, Don't Pray For $$$ To Drop Down From The Sky~

3) Getting Insurance Coverage

This Is The Most Important Of All. Putting Your Money Into Insurance Is As Good As 'Saving' Your $$$ For A Rainy Day. It Is A Must To Have Protection Unless You Are Telling Me That You Can See The Future And You Can Expect When Something Bad Is Going To Happen To You. If You Can, Do Help Me See Mine Too. I'm Really Interested To Know My Future. If You Can't Then DON'T EVER SAVE THIS $$$.

And One Important Thing That We Should All Start As Soon As We Can If We Haven't Already Done So..

Investing.

Start Learning How To Invest Every Single Dollar You Have. Regardless Of Whether It Is Investing In Stocks, Bonds And/Or Even Exchange Traded Funds (ETFs), Just Invest. If You Are Not A Risk Taker, It Is Highly Advised That You Put Your Money Into Bonds And A Highly Recommended Bond To Take Up Is The Singapore Government Savings Bond (SGS). Absolutely RISK-FREE And You Can Take Your Money Out At Any Time Without A Penalty On The Interest You Earn. It Will Launched In The Second Half Of This Year.

Do Find Out More Here If You Are Interested:
http://www.mas.gov.sg/~/media/resource/news_room/press_releases/2015/Factsheet%20Savings%20Bonds

If You Have A Bigger Risk Appetite, Do Consider Investing In ETFs Or Blue Chips/REITs. ETFs Have Dollar Averaging Cost Effects. Basically You Invest A Fixed Sum Every Month To Buy A Certain Stock Or A Portfolio Regardless Of The Price. The Longer You Invest, The Lower The Risk. As For Blue Chips/REITs, They Are Generally Of Lower Risk And Have High Dividend Yields.

Whatever You Do, It's Always Better Than Parking Your Money In The Bank. Inflation Is At Around 3% And Even Though Interest Rates Are On The Rise At The Moment, The Current Consumer Floating Interest Rates Is Still Pathetic (Not Even 0.5%) This Just Means Your Money Parked In The Bank Is 'Shrinking'.

Looking At The Long Run Is Key To Securing A Smooth And Bright Future.

Good Luck And All The Best!

Note: Do Share With Your Friends If You Find This Post Interesting And Helpful. Feel Free To Tweet Me Or Message Me (If You Know Me Personally) If You Got Any Clarifications.

The 10 Types Of Friends We Could Possibly Have.

Life Is About Perspectives. We Come Across All Kinds Of People In Life And It Is Crucial To Accept The Fact That Not Everyone Is Like Us. There Will Be Differences And I Just Hope Everyone Can Look On The Bright, Positive Side And Get Along With People. After All, You Don't Get To Choose Your Working Partner (Unless You Are The Boss)!

Note: Him/His/He References Used Are In General.

Credits: www.wordle.net

1) The Popular

Don't Be Disappointed When You Don't Get To Interact Much With 'The Popular' When You're With Him. Do Understand That Many Are Seeking His Attention.. You Should Be Expecting Him To Pick Up Calls Or Text People 60% Of The Time And He Will Bump Into Someone He Know 30% Of The Time. Well, Be Glad That You Still Have The 10%. And If You Are A Credit Card Or Insurance Sales Person, That'll Be Simply Perfect! Just Imagine How Much More $$ You Can Make With His Connections!

2) The Noise Polluter

We All Have That Friend Who Sings Randomly And Out Of Nowhere. It Can Be Extremely Annoying Especially If That Friend In Particular Has A Horrible Singing Voice. Bringing A Masking Tape Along Wherever You Go Can Really Comes Into Handy. Otherwise, You Could Have Some Fun As Well By Bringing Along Tonnes Of Marshmallows. Every Time He Starts Singing, Just Stuff A Marshmallow Into His Mouth. If He Continues, Then Stuff Another. Play Chubby Bunny! Yayyyy! Don't Worry, The Marshmallows Can Also Be Used To Stuff Your Ears If He's Still Making Those Horrible Noises. Problem Solved! (:

3) The Vulgar (With Singlish)

One Of A Kind When It Comes To Communicating. The First Thing People Usually Say When They See Each Other Is 'Hi' Or (What')'Sup' But 'The Vulgar'? 'F*** You Lah!' He Will Try To Add Words Into Sentences To Make Them Sound More 'Interesting'. So 'Where Are We Going?' Will Sound Like 'Where The F*** Are we Going?' His Following Replies Would Be Something Like 'Wah! C*** B** So F****** Expensive!' Or 'K** N* N*! Always F****** Eat The Same Thing!' Notice If You Take Out The Bold Words, They Have The Same Meaning Too? I Definitely Suggest You Bring A Taser Along With You. Every Time He Gets Too Aggressive With Words, Just Zap Him! Have Fun!

4) The Mugger

Feeling Stress Because Of The Amount Of Workload You Currently Have At Hand? Fret Not, Because 'The Mugger' Is Here To Add On To Your Stress. Yes, ADD ON. Wherever The Mugger Goes, You Can Be Assured That He Will Be Carrying A Book/Notes Along With Him. Even When He Is About To Head To The Toilet, He Refuses To Let You Hold On To It For A Minute. Let's All Face It: If You Go Out With 'The Mugger', You Are Not Expecting To Have Some Fun Time Are You? Done Revising For One Chapter And Feel Like Taking A Break Or Just Calling It A Day? Look At The Mugger And You Will See That He Is Capable Of Sitting On The Same Chair For 10 Hours Straight And Finish Revising For Every Single Topic And Writing 91239612736 Pages Of Notes. This Is When You'll Just Feel Like Picking Up A Knife And Stab Yourself Because That's So Much Easier.

5) The Inert/Lazy

It Can Be Rather Tedious When Hanging Out With 'The Inert' But It Would Definitely Be A Good Workout Experience And Gym Replacement Session. 'The Inert' Simply Doesn't Want To Shift His A**. Dragging Him Along Is The Only Way To Get Him To Move. What Makes Him Really Unique Is That He Will Tell You The Most Ridiculous Things You Have Ever Heard In Your Life. 'Bro, Can Help Me To Buy Shirt? Help Me To Test The Size. If You See It's Fitting, Just Buy' So, I Might As Well Just Wear The Shirt For You. Or Maybe You Shouldn't Even Bother To Put On Clothes If You're That L.A.Z.Y. Go And Be Some Underwear Model!

6) The Mysterious

'The Mysterious' Is Known For Wearing His Mask Wherever He Goes. No One Really Knows His Intentions Of Doing So And What Exactly Is He Hiding. You Have Been Warned Not To Get Too Close To Him Or You Will Come To Regret It. Or Maybe Not. The Mystery Will Come To Light When You Catch What He Is Carrying. A Cold. Taking An MC And Getting A Day Off To Rest At Home Sounds Like A Great Plan! Wheeee!

7) The Blood-Sucker

Tagging Along With You Has All Along Been Part Of His Plan. The Plan Was Easy Enough. He Eats, You Pay. He Buys, You Pay. Well You See, Anything He Does, You Pay For It, As Good As A Mosquito Sucking Your Blood Dry. There Is However One Thing That I Am More Than Willing And Happy To Pay. My Respects. If He DIES!!! MUHAHAHAA! But Anyway, Sharing Is A Really Good Thing To Do And You Can Be Assured He Will Always Give You Something In Return As Well. A Hole In Your Pocket. Enough Said.

8) The Backstabber/Two-Faced

Definitely The Best Type Of Friend One Could Possibly Have. If He Goes Around Telling Your Friends What An Awful Person You Are And After Hearing All That Bullshit Your Friends Still Stand By You, This Is When You Know You've Made True Friends. Friends Who Trust You For The Person They Believe You Really Are. Be Thankful. And Do Understand That The Reason People Have Two Faces Is Because One Isn't Enough. Isn't Enough For You To Slap.

9) The Pig

Are You The One Who Is Always Wasting Food? Fret Not, Because 'The Pig' Is Here To Aid You And The Rest Of The World In A Battle Against Food Wastage. Countless Tonnes Of Food Are Wasted Every Year And We Should At Least Be Thankful Because People In Other Parts Of The World Could Be Starving. Morale Of The Story Here: Don't Make Fun Of Obese People And Trust Me, I Have No Intentions Of Making Fun. 'The Pig' Just Sounds Really Cuteee! (: It Is Also Definitely Possible To Consume High Intake Of Calories Every Meal And Still Stay Slim And Healthy. Just Exercise Regularly And Eat A Variety Of Fruits And Vegetables.

10) The Magician

Don't Be Mistaken. There Are Two Types Of Magicians And The One I'm Referring To Isn't The One Who Does Fancy Tricks To Trick And Impress. Well, The Other Type Does 'Impress' Too! Basically What He Does Is: Tell You That He Will Turn Up For An Outing And Then He Just Goes Missing. Like Totally Missing. Message? No Replies. Call? No Answers. He Just Goes M.I.S.S.I.N.G. We Shouldn't Rule Out The Fact That His Phone Could Have Well Dropped Into The Toilet Bowl Or Dropped Into A Bowl Of Soup. But He Goes Missing For Days, Weeks, Months. Absolutely No Reply Of What Happened, No Explanation And No Sorry. It's As If Nothing Happened. Definitely The Best Magic I've Ever Seen! Can Someone Tell Me How To Not Be Impressed? (:

BONUS:

The Same Boat

Having Friends Who Feel Like They Are On The Same Boat As Us Isn't Uncommon. However, When It Comes To: You Jump, I Jump. If You Ever Jump, I'll Say Bye Bye To You, Because Who The Hell In The Right Mind Would Do That? I Mean It's Possible. You Jump Off 100 Stories And I'll Jump Here, Right On The Spot. You Jump, I Jump.

The Selfie Master

Taking 'Professional' Selfies These Days Requires Delicate Skills And The Right Equipment. The Selfie Stick Must Have Been Invented By A Genius. Who Would Have Thought Of Attaching Your Phone At The End Of A Stick To Take Photos Of Yourself. Even A Blind/Handicapped Man Can Do So With His Walking Stick And Look Good! Simply Genius.

Of Course There Are Many Other Types Of Friends And It's Impossible To List Everything Down, Nevertheless, It's Still Possible To Appreciate Them For Who They Really Are. Be Thankful That You Are Not Alone Because I'm Sure Someone Out There Is.

Tips For Train Rides During Peak Hours.

Do Pardon Me For This Ugly Drawing And My Limited Vocabulary And Poor Usage Of English. These Are Based On My First-Hand Experiences.

I've Been Taking The Train To Work For The Past 3 Weeks. It May Be A Short Period Of Time And Yet, I've Seen So Much Happening In And Outside The Train. During The Rush Hour, The Trains Get Really Packed And I Often Encounter People Raising Their Voices Just Because They Got Pushed And Shoved. I Know It's Uncomfortable, But Do Note That Everyone Is Feeling The Same. The Fact That Some People Have Lower Tolerance Level Can Lead To Staring Incidents Or Even Conflicts.

The Trains Here May Be Really Crowded During Peak Hours, But It's Really Nothing Compared To How It's Like In Japan. I've Been To Japan And I've Experienced The Train Rides There Before The Morning Rush Hour (Around 6.30 Am). They Are Already As Packed. Couldn't Even Imagine How It Would Be Like When It's 7 And Even Later. Taking The Trains In Singapore May Seem Really Horrible, But Sure Enough, You Haven't Seen The Worst. (But You Could Well Argue That Trains in Japan Don't Breakdown As Often)

Now, Here Are Just Some Of My Opinions On How Train Rides Can Be Less Uncomfortable/More Tolerable (Enjoyable..? Not Really).

1) Queuing Up Before The Arrival Of The Train

I Do See People Doing So Most Of The Time But When The Train Arrives, The Queue Immediately Vanishes And It Feels As If Everyone Is Competing To Get On The Train. These People Should At Least Respect That Since They Are Already In The Queue, Then STAY IN IT. Not Like It's The LAST DAMN TRAIN That Is Coming. 赶着去投胎 (Rushing To Be Reborn)? Translations Taken From Google.

2) Allowing People To Alight First

This Is Where Shit Happens. There Will Always Be People At The Train Exit Blocking The Way Out Of The Train And Hence, Some People Will Take A Longer Time To Get Out. Before Entering The Train, Do Make Sure That These People Have Alighted Before Boarding. You Don't Want Them To Be Shoving You On Their Way Out.

3) Try Not To Listen To Music And If Possible, Don't Watch Dramas/Movies Etc. And Read Newspapers At All

It Is Generally Alright To Listen To Music So Long As You Are Aware Of When The Train Is Stopping At Each Station. This Will Allow You To Make Way For Those Who Are Getting Out Especially If You Are Standing Near The Exit. You Don't Want People To Be Screaming At Your Ears. If The Train Is Too Packed, Kindly Step Out Of The Train To Allow Others To Alight First.

If You Are Watching Drama/Movies, Chances Are You Aren't Even Aware. Hope You Get Shoved Out Of The Train Without Even Realising. Muhahaha!

Reading Newspapers Is One Of The Really Selfish Things To Do On A Train. When Everyone Has Already So Little Space To Themselves, Suddenly There's This VIP Who Whips Out A Newspaper And Takes Up The Space In Front Of Him Instead Of Moving In For More People To Board.

4) Spraying Some Perfume/Deodorant/Taking A Bath

I'm Not Too Affected By This Personally But I Believe Many People Are. Everyone Is So Close To Each Other That You Can Literally Smell Someone Else's Body Odor And Trust Me, It Can Be Really Disgusting. But Then Again, Spraying Too Much Perfume Can Have A Reverse Effect Too. Taking A Bath Would Be Just Right To Keep You Smelling Fresh.

5) Saying Sorry/Excuse Me/Thank You When Making Way/Giving Way

Basic Courtesy. Words Like This Are Really Pleasing To The Ears. I'm Sure If You Are Polite, People Would Give Way To You Willingly.

5b) While Exiting, If The People Standing Near Is Unaware (Watching A Movie Etc.), Kindly Tap On Their Shoulders To Alert Them

At Least Warn Others Before You Are Going To Push And Shove Right? Don't Give Others A Heart Attack. Who Knows, They Might Be Watching A Horror Movie. But If They Really Are, Tapping On Their Shoulders Could Be Even More Creepier.

6) During Train Emergency Brakes, Grab Hold Of Someone Who Has Loss Their Balance If You Are Holding On To A Handle.

This Happens Quite Often, Especially If There Is A Train Ahead. I Got Caught Off Guard Once When The Train Brakes Were Jammed But Thankfully, This Kind Lady Actually Grabbed Hold Of My Hands. Don't Just Look Out For Yourself. Be Nice And Lookout For Others Too! (: Of Course, Do Notice Where You're Grabbing Too, You Don't Want People To Misinterpret Your Kind Intentions And Accuse You For Molesting.

Here Are Also Some Problems Which I Have Noticed But Have No Ideal Solutions To:

There Is Uncomfortable, And Then There Is TEN TIMES More Uncomfortable Just Because Someone's Hair Or Face Is 1 Inch Nearer To Yours. Imagine A Lady/Gentlemen Stand Facing You And Her/His Lips Are Just Centimeters Away From Yours. When This Happens To Me, I Just Look Down Or Look Away. Looking At Someone In The Face Can Get Really Awkward And When The Train Brakes, The Unexpected Could Happen.

As For Farting On The Train, Holding Your Breath Would Be Ideal. Allow Others To Breathe In The Air First. When You Start Seeing That The People Around You Has Fainted, That's When You Know It's Safe To Continue Breathing.

Jokes Aside. I'm Sure If Everyone Puts In Even A Little Effort, Train Rides Will Be Much More Tolerable. We Will Be Able To Start Our Day Well Rather Than Being All Grumpy.

There Is Nothing As Hard In The World As Understanding Yourself.

An Awesome Week.

Work Life May Not Be As Interesting But At Least I Have Scheduled Weekly Tues-Dates To Look Forward To. And Fri-Dates With My Parents As Well. And Well, Time Passes Really Quickly When You're Busy. 2 Weeks Down!! 20 More Weeks To Gooooo!

Another Meet Up With Course Mates Again For K Session On Friday. Had A Blast~

And While Me And My Friends Were On Our Way Back On The Last (Or Last Second?) Train, Someone Vomited. It Was Near The Doors Of The Train. And As Usual, I Never Fail To Surprise Myself. 90% Of The Time I Don't Really Know What I'm Doing. It's Like I'm Only In Control 10% Of The Time.

At That Point In Time, When I Saw This Lady Vomiting, I Never Really Thought Of Cleaning Up The Mess. Really. This Isn't My Job. It Clearly Isn't. So I Offered Her All The Tissue That I Had In My Bag, While My Friend Also Offered His. She Did Not Even Respond So I Place The Tissues At A Seat Beside Her. A Lady Also Walked By And Offered Her A Plastic Bag.

And I Stood There Waiting. Hoping Someone Would Clean Up The Mess Miraculously. But Of Course No One Did. People Just Avoided And Moved Away, Disgusted.

Putting Myself In The Shoes Of Someone Who Was Entering The Train, He Could Slip, Fall And Land On The Pool Of Vomit. Putting Myself In The Shoes Of Her, She Would Be Feeling So Embarassed. Can Totally Understand That If It Was Me, I Probably Would Be Too Shocked To Even Make Any Movement Because I Could Imagine Everyone Staring At Me.

This Is When I Did The Craziest Thing I've Ever Done In Public. I Walked Over, And Started Cleaning The Mess. Of Course I Didn't Really Care About The People Looking At Me Because Obviously The Stench Was Bothering Me More. I Almost Threw Up As Well, But I Got It Done With And Alighted The Train. Luckily I Had My Friend Around To Carry My Bag For Me.

After Which, My Friend Actually Told Me She Was Drunk. I Never Really Thought Of That, But I Guess She Could Well Be (Because She Did Not Even Say A Word The Whole Time). And Logically Speaking, Maybe She Did Not Deserve My Help, But I'm Helping Those People Who Are Entering The Train And Risk Slipping And Fall.

It's Not Like I Wanted To Be A Hero And This Clearly Doesn't Make Me One. Not Like I Saved Someone's Life Or What. But I Guess Life Is Boring Without The Want To Constantly Help Others.

Sometimes, It Feels Like An Addiction.

因为不想接受

不能接受

又能怎样

The Things That We Can't Explain In Life, We Live With It.

I Survived My First Week At Work Miraculously.

Thought I Was Already Doomed On My First Day. Work Sure As Hell Was Tiring. Way More Tiring Then Studying. But At Least At The End Of The Day, It Feels Fruitful. It Feels Like I've Accomplished Something. But Staring At The Computer For Hours Is Really No Joke. Working On Those Excel Spreadsheets Can Be Really Really Frustrating As Well Because Excel Works In A Funny Way At Times.

Anyway To My Surprised, My Department Had Lou Hei And Buffet Lunch On Thursday In The Office. There Are Also Other Events And Bonding Activities Aside From Daily Work - CIP And Department Outing. I Guess These Activities Is To Make Working Life More Interesting And Not Too Mundane.

Anyway, I Usually Sleep At Around 1 Am Before And Now I Can Hit The Sack By 11 Pm. Really Goes To Show How Tired I Am. And I Must Admit It Can Get Really Annoying At Times In The Morning When Everyone Is Pushing And Shoving Around In The Train.

Overall, I Would Consider My Experience So Far To Be Good. I'm Given Work To Do And I'm Always On Task. And I'm Given More Work To Do. This Allows Me To Past Time Really Quickly. The Working Hours May Be Long From 9 - 6.30 Pm, But If You're Working On Something, You Don't Even Notice How Fast Time Passes By.

Well Anyway, Treated My Parents To Dinner @ Eighteen-Chefs On Friday Because Why Not, And Cooked Spaghetti For Lunch Today. My Dad Actually Said My Spaghetti Was Better Than Eighteen-Chefs And All I Used For The Sauce Was Just Packet Chili Sauce, Tonnes Of Tomato, Celery, Mushrooms And Chicken Meat (Because There Wasn't Any Ready-Made Spaghetti Sauce). To Me, Maybe There Was Still Much Room For Improvement But At Least I Believe It's Way Healthier This Way By Using Natural Tomatoes And Well, Life Isn't Just About Eating Good But Also Eating Healthy And I Can't Emphasize This More Than Enough Because We All End Up Having Health Problems.

太多时候

我们把一切

当作是理所当然的

只可惜失去了

才懂得珍惜

We Can't Keep And Collect Life's Best Moments In A Bottle, But Yet They Never Will Leave Our Hearts.

Yesterday (Friday) Was Simply Awesomeee. KTV With My Clique After Which Had Steamboat With My Fellow Course Mates. Walked All The Way To The Flyer To Enjoy Chingay 2015 And River Ang Pao. There Were Fireworks Too.

Sorry For The Lack Of Pictures. Was Really Lazy.

At Times I Wonder, Why People Would Even Keep And Bottle Up Their Feelings. And I Realise There Are Two Main Reasons. One, There Is Absolutely No One They Can Trust. Two, They Feel Like They Should Not Burden Anyone With Their Feelings. And Then I Realised When Both These Reasons Add Up, You Get Someone Silly Who Keeps All Their Feelings To Themselves, Because They Cannot Share Their Feelings Simply With Someone They Trust Or Don't Trust. That's Me At Times But It's Only Because I Can Handle It.

And For Those Who Can't. I Really Really Hope They Will Think About It As A Whole. Think About Your Friend's Point Of View. Would They Want To See You Fake A Smile? That's Really Cruel To Them. Bottling Up Your Feelings Is Simply Selfish. If You Care, You Would Share Because Isn't Caring About Sharing? This Will Also Strengthen A Friendship Because Your Friend Would Feel Like They Are Reliable And Can Be Trusted.

Well, Internship Starts Next Week. Life's Gonna Be Really Busy. But I Guess Being Busy Is A Good Thing. Let's Hope Everything Turns Out Well.

只能说

我没资格

去爱

Review On Buffet Lunch @ Suki-Ya Hotpot Buffet (Kovan Heartland Mall)

It's Been Awhile Since I Last Blogged So, Why Not Blog About Food? Suki-Ya Is A Hot Pot Buffet Restaurant Which Also Comes With An Ala Carte Menu. My Overall Experience Was Slightly Disappointing.

From Above, As You Can See, This Is All That The Buffet Has To Offer. The Variety Is Really Really Pathetic. There Are No Desserts And Only 3 Types Of Fruits Served For Lunch Only. There Will Be Ice Cream Served However, For Dinner.

The Soup Base For The Hot Pot Comes In 5 Different Flavors. The Manager Was Kind Enough To Explain To Us What We Were Expecting For Each Flavor And Their Distinct Taste. We Chose Sukiyaki (Savory-Sweet Soy Sauce) And Batauiku (Pork Base Soup) And They Were Surprisingly Fragrant And Flavorful. The Sukiyaki Base Was However Slightly Too Salty But The Batauiku Was Simply Perfect. The Taste Wasn't Too Strong And It Lingers On Your Tongue.

These Are The Main Things They Serve For The Buffet. The 3 Different Types Of Meat: Pork, Chicken, Beef And Not To Forget The One And Only Type Of Fish Served: Salmon. They Were All Really Fresh. Taste Was Distinct And The Quality Was Definitely There. For Meat Lovers, This Is The Part Where It's Time To Spam Meat. NON-STOPPP!

Among The Other Food Offered, Those That Were Noteworthy Was The Cheeseballs, Cheese Toufu, Purple Cabbage, Mushrooms And Even Bamboo. They Had Other Varieties Of Vegetables As Well. Everything Served Was Generally Fresh And The Quality Was Definitely There.

Service In General Was Mediocre. In Fact, It Felt Like They Did Not Have Enough Staff Attending To The Customers, Maybe Because It's Weekday (Went On Monday). But The 'Special Service' Given By The Manager Was Indeed Impressive.

Another Thing To Note Is That Pricing Is A Single + Only. There Is Absolutely No Service Charge.

Monday - Thursday
 Lunch: $23.90+    Dinner: $29.90+

Friday - Sunday, Eve Of Public Holidays And Public Holidays.
Lunch: $25.90+     Dinner: $31.90+

Food          : ★★★★☆
Ambience  : ★★☆☆☆
Variety      : ★★☆☆☆
Service      : ★★★☆☆
Price          : ★★☆☆☆

Value        : ★★★☆☆

If You Are An Insane Hot Pot And Meat Lover And You Feel Like You Could Eat Meat NON-STOP Throughout, This Is A Good Place To Try Out. However, If You Prefer A Wider Variety Of Food To Taste And Tryout As Well As Lovely Pastries To End It Off, Like Me, You'll Find This A Real Disappointment And I'll Suggest You Give This A Miss.

*Thumbs Not Up. Not Down Either*