(2008/06) June 2008
- Thread starter avoros
- Start date
tinyfeet_tf
Active Member
Cactus
Honestly, actually given the money, I wld invest for better return while taking loan for the new home cos now interest rates for homes are very low. Tat's hw the rich gets richer if they r in investment minds, which i dun mean the speculative investment. Smtx u will be surprise on the price variation of hw 1 property wif good location (just pay downpayment) can fetch rental to pay for your 1st n 2nd hse, wif 2nd hse at nt so gd location n u stay in the 2nd hse. There's lots of creative ways to get your returns faster, so dun stress too much in trying to quickly get your instalment paid up, esp for hse. Cos in S'pore property px will likely move up, and we are still consider low as compared to HK. Just maybe u n hubby nt so investment incline to knw wat are ways to play ard wif, so taking the safer way. Cos if u roll your money for other capital gains, u can anytimes still decide to paid up more for your instalment at later stage if one day home interest is more than 5%.
Honestly, actually given the money, I wld invest for better return while taking loan for the new home cos now interest rates for homes are very low. Tat's hw the rich gets richer if they r in investment minds, which i dun mean the speculative investment. Smtx u will be surprise on the price variation of hw 1 property wif good location (just pay downpayment) can fetch rental to pay for your 1st n 2nd hse, wif 2nd hse at nt so gd location n u stay in the 2nd hse. There's lots of creative ways to get your returns faster, so dun stress too much in trying to quickly get your instalment paid up, esp for hse. Cos in S'pore property px will likely move up, and we are still consider low as compared to HK. Just maybe u n hubby nt so investment incline to knw wat are ways to play ard wif, so taking the safer way. Cos if u roll your money for other capital gains, u can anytimes still decide to paid up more for your instalment at later stage if one day home interest is more than 5%.
Cactus,
we also dun like to use condom cos i find it painful also de...hb will onli withdraw if he needs to come lor..so far, we using that method until we wan to hv bb, then he release in me lor =D*shy*...
morraine,
I can't even touch my feet now...can't cut my toe nails lor..hiaz..can't wear pants also, hv to sit down =D..
All,
anyone has piles problem? i am havign this prob and gynae say after delivery more pain lor..i was tinking of doing an OP to remove it away are my confinement...anyone experience this before?
we also dun like to use condom cos i find it painful also de...hb will onli withdraw if he needs to come lor..so far, we using that method until we wan to hv bb, then he release in me lor =D*shy*...
morraine,
I can't even touch my feet now...can't cut my toe nails lor..hiaz..can't wear pants also, hv to sit down =D..
All,
anyone has piles problem? i am havign this prob and gynae say after delivery more pain lor..i was tinking of doing an OP to remove it away are my confinement...anyone experience this before?
feliciarosey
Active Member
cactus,
thanks for your explanation. Cant remember which brand my hubby brought oso. Anyhow, i dont plan to use the ex-stocks if we wanna try again on condom next time.
Morraine,
I cant see my toes now when i stand. My tummy is blocking my view. hehe...
thanks for your explanation. Cant remember which brand my hubby brought oso. Anyhow, i dont plan to use the ex-stocks if we wanna try again on condom next time.
Morraine,
I cant see my toes now when i stand. My tummy is blocking my view. hehe...
tinyfeet_tf
Active Member
Bizznow
I have been using the squatting one since pregnant (tho some advice me nt too). Lately abit tight, still managing..keke.
Feifei
Yes, last week, had constipation n my bowels was so hard n i force it out. Then realize a little skin lump on the anus n bit sore, wonder if that is piles. Then i push it back so its nt expose. Nw ok. So is tat piles? I read that piles can be common in pregnancy n may go away after delivery, so u may wnt to see how later.
I have been using the squatting one since pregnant (tho some advice me nt too). Lately abit tight, still managing..keke.
Feifei
Yes, last week, had constipation n my bowels was so hard n i force it out. Then realize a little skin lump on the anus n bit sore, wonder if that is piles. Then i push it back so its nt expose. Nw ok. So is tat piles? I read that piles can be common in pregnancy n may go away after delivery, so u may wnt to see how later.
tinyfeet_tf
Active Member
I smtx sit like a Rickshaw uncle (leg open L shape) to cut toenails or if i nd to sit on the floor to do sthg. 
tinyfeet_tf
Active Member
Shinely
Yes, i bleed too. Got a fright initially tot was fr V area. Then later realize is anus. After washing, felt sore, then feel the skin out, so push it in so nt so sore. So far my next bowel, back to normal n more soft. So hope is the 1 time off thing.
Yes, i bleed too. Got a fright initially tot was fr V area. Then later realize is anus. After washing, felt sore, then feel the skin out, so push it in so nt so sore. So far my next bowel, back to normal n more soft. So hope is the 1 time off thing.
jesslyncheong
New Member
Hi felicia,i join the motherhood yahoo member alady but i can't tab the files u teach mi to log in ley?i very blur one...hehehe
tf,
sometimes is bo bian..cos u go out then queue for toilet..but only the squatting 1s avail..n u feel urgent leh..so no choice..juz go lor..haha.. n hor..i think normal to bleed if ur poo poo is too hard leh..even b4 preggie i oredi experience dat..but not very often..juz make sure drink more water n eat more fibre lor..i think it helps to soften it..
sometimes is bo bian..cos u go out then queue for toilet..but only the squatting 1s avail..n u feel urgent leh..so no choice..juz go lor..haha.. n hor..i think normal to bleed if ur poo poo is too hard leh..even b4 preggie i oredi experience dat..but not very often..juz make sure drink more water n eat more fibre lor..i think it helps to soften it..
feliciarosey
Active Member
jess,
after you login, click on the June08_Motherhood on the left screen. After that, click on "Files" on the left screen oso. Then you'll be able to view all the files posted there. Look for the title ' Massage lady"
after you login, click on the June08_Motherhood on the left screen. After that, click on "Files" on the left screen oso. Then you'll be able to view all the files posted there. Look for the title ' Massage lady"
tinyfeet_tf
Active Member
Cactus
I actually put some of my CPF (govt allowable %) in China funds 3 years back, tho we pd our dwnpayment. Today, almost 50% gain (returns of 15% p.a) on average, compared to CPF 2.5%. Tho i'm a higher risk taker, i also put in shares which i gain 100% return in last 3 years. So its putting $ when times are bad n locking gains when mkt up. Another eg. is Citylights (near Lavendar) tat my sis bgt at slightly below $500K, nw worth >$700K in 2 years. So all these capital gains fetch far more than the interest tat CPF/Bank gives.
However, if u choose to use ur CPF to pay most of your home plan, dun use too much cash for your property, cash can always generate more cash gains. For me, if i nd to repay own CPF interest aft selling house, i still see it as our money cos I try to put CPF for the property i knw i wont sell until near retirement, so that even if pay back CPF interest, can still cash out after rching the minimum age. Then use extra cash to buy 2nd place to rent out to generate rental n capital gains, which anytime, u can sell that place n have more cash. Actually its a whole lot of financial thingy, which my hubby also nt financial incline to understand all these. Can share wif u privately more if u wnt to find out
I actually put some of my CPF (govt allowable %) in China funds 3 years back, tho we pd our dwnpayment. Today, almost 50% gain (returns of 15% p.a) on average, compared to CPF 2.5%. Tho i'm a higher risk taker, i also put in shares which i gain 100% return in last 3 years. So its putting $ when times are bad n locking gains when mkt up. Another eg. is Citylights (near Lavendar) tat my sis bgt at slightly below $500K, nw worth >$700K in 2 years. So all these capital gains fetch far more than the interest tat CPF/Bank gives.
However, if u choose to use ur CPF to pay most of your home plan, dun use too much cash for your property, cash can always generate more cash gains. For me, if i nd to repay own CPF interest aft selling house, i still see it as our money cos I try to put CPF for the property i knw i wont sell until near retirement, so that even if pay back CPF interest, can still cash out after rching the minimum age. Then use extra cash to buy 2nd place to rent out to generate rental n capital gains, which anytime, u can sell that place n have more cash. Actually its a whole lot of financial thingy, which my hubby also nt financial incline to understand all these. Can share wif u privately more if u wnt to find out
tinyfeet_tf
Active Member
bizznow, Shinely
Ya, nwadays, i drink more water cos scared the constipation again.. Duno is it grapes tat cos constipation cos ate quite alot recently too.
Ya, nwadays, i drink more water cos scared the constipation again.. Duno is it grapes tat cos constipation cos ate quite alot recently too.
ellysia
Active Member
Hi,
Yesterday i went to the doctor talk which is part of the pre-natal class package from TMC. Find the talk quite informative.
This morn i went for checkup and to take glucose test. Have to fast from midnight to 11.30pm. So hungry after the test.
I have only gain 0.5KG since last checkup (1 mth ago) and bb is now 1.3KG @ 28.5 weeks. Gynae said this is considered ok as the average weight is 1.2KG.
Have to rush back to office for a meeting, now then got time to come forum.
Yesterday i went to the doctor talk which is part of the pre-natal class package from TMC. Find the talk quite informative.
This morn i went for checkup and to take glucose test. Have to fast from midnight to 11.30pm. So hungry after the test.
I have only gain 0.5KG since last checkup (1 mth ago) and bb is now 1.3KG @ 28.5 weeks. Gynae said this is considered ok as the average weight is 1.2KG.
Have to rush back to office for a meeting, now then got time to come forum.
feliciarosey
Active Member
i'm having backpain the whole day...maybe due to the rain.
jesslyncheong
New Member
Hi felicia ,i log in alady but i cant find the files at all?
tinyfeet_tf
Active Member
bizznow
I duno Just guessing cos was the few most tat i ate recently.
Ellysia
Welcome back, how is your sugar level this time? Better?
I duno
Just guessing cos was the few most tat i ate recently. Ellysia
Welcome back, how is your sugar level this time? Better?
ellysia
Active Member
TF,
Looks like u got piles from constipation. I had piles since young cos i always constipate. Gynae gave me medicine for piles and seems quite good. Maybe u shd get 1 tube from yr gynae cos my gynae said better treat it or else it will be v painful after giving birth.
To relieve constipation, i have been eating vegetables everyday and drinking more water. It seems to work.
Looks like u got piles from constipation. I had piles since young cos i always constipate. Gynae gave me medicine for piles and seems quite good. Maybe u shd get 1 tube from yr gynae cos my gynae said better treat it or else it will be v painful after giving birth.
To relieve constipation, i have been eating vegetables everyday and drinking more water. It seems to work.
tinyfeet_tf
Active Member
Cactus
No wonder, u already plunge your cash in CPF. Nw i understand. I knw nt easy to invest in shares. I was lucky cos i bet on Genting when they went for bidding, and also China Aviation when Temasek took over. I usu go for these near sure win gains. Like nw, if Genting is anywhere 60cts or below, i will accumulate for the next round for them to get their license. Cos no opportunity to buy gd property, so use Genting as my property..keke.
Ellysia
Nw i'm ok, will monitor n see hw.
No wonder, u already plunge your cash in CPF. Nw i understand. I knw nt easy to invest in shares. I was lucky cos i bet on Genting when they went for bidding, and also China Aviation when Temasek took over. I usu go for these near sure win gains. Like nw, if Genting is anywhere 60cts or below, i will accumulate for the next round for them to get their license. Cos no opportunity to buy gd property, so use Genting as my property..keke.
Ellysia
Nw i'm ok, will monitor n see hw.
hello ,any mommies heard of this?..Zaky pillow..looks cute but rather ex.
http://www.mumcentre.com/index.php?option=com_classifieds&act=reviews&task=details&cid=304
http://www.mumcentre.com/index.php?option=com_classifieds&act=reviews&task=details&cid=304
feliciarosey
Active Member
jess,
can give me your email address and i'll send to you the file.
ellysia,
Dont worry so much on the result, okie?!
can give me your email address and i'll send to you the file.
ellysia,
Dont worry so much on the result, okie?!
tinyfeet_tf
Active Member
Cactus
Understand. Do consider Foreign Currency FD too, esp S$ or NZ$, they have good interest rates. But now exchange abit at high, yet a good n low risk investment tool. Yes, portfolio must spread on risk variation n have some cash in hand for rainy days.
BabyCupid
We can DIY in Yahoo on our baby details liao. Go to "Database" when u login to input.
Understand. Do consider Foreign Currency FD too, esp S$ or NZ$, they have good interest rates. But now exchange abit at high, yet a good n low risk investment tool. Yes, portfolio must spread on risk variation n have some cash in hand for rainy days.
BabyCupid
We can DIY in Yahoo on our baby details liao. Go to "Database" when u login to input.
tinyfeet_tf
Active Member
Jesslyn
Ya, i dun think you are invited cos we have nt got your email so far, tat's why u could nt access.
Ya, i dun think you are invited cos we have nt got your email so far, tat's why u could nt access.
feliciarosey
Active Member
ladies, logging off!
The sky is so dark at Jurong, i think gonna had a heavy rain soon.
The sky is so dark at Jurong, i think gonna had a heavy rain soon.
tinyfeet_tf
Active Member
Yes, now too high risk cos due to the US rate cuts n recession, most currencies are very high now, so if u exchange to the fgn currency nw, anytime if it falls, u lose on the exchange when convert back to S$. I guess nw is people are waiting for USD to go as low as possible n waiting for the curve-up, to buy back USD later. In fact, recently, i staying out of any investment until all the dust settle dwn fr the U.S news then i go in, probably in 2009 bah. 2008 is nt a so gd year.
ellysia
Active Member
bizzsnow,
Dunno leh. i also hope to get results on the spot so tat if anyting i can tok to gynae straightaway and no need to go down again.
Felicia,
I have made the worst expectation lor. At most have to really control my diet if really is gestational diabetes. Hope not.
Dunno leh. i also hope to get results on the spot so tat if anyting i can tok to gynae straightaway and no need to go down again.
Felicia,
I have made the worst expectation lor. At most have to really control my diet if really is gestational diabetes. Hope not.
jesslyncheong
New Member
Hi felicia my email add is [email protected]
feliciarosey
Active Member
jess,
Pls wait for TF to invite you to join our yahoo group, by then you'll be able to view all the files there.
Pls wait for TF to invite you to join our yahoo group, by then you'll be able to view all the files there.
