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Friday, December 28, 2007


haa. haa. xmas over

projects not over..

kaimono.. not done..

projects not done..

deadlines.. coming to town...

school opening... sad...

die....


xmas gift...
my photo got prob. cannot post.. haa..
next time i post again

love notes @ 11:05 PM


Tuesday, December 25, 2007

HOhoHOho... Merry Xmas...
ほほほほ。。。クリスマス　おめでとう　ございます。
霍霍霍霍霍。。。 圣诞快乐

my first xmas sms from abel " Christmas is coming. So heres a big f*** you from me. _l_ "

love notes @ 2:00 AM


Sunday, December 23, 2007

is coming...
cant wait...
projects deadline are coming......
cant wait....

love notes @ 1:51 PM


Thursday, December 13, 2007

yeah..
agressive strat vs conservative strat.

Average seasonal funding needs = (Add up all ) / 12
Average permernant funding needs = lowest month.

Conservative strat = LT Finance * Highest Month in Total Funding needs

Agressive Strat = (LT Finance * Permerment Average funding needs ) + (ST Finance * Average Seasonal Funding Needs)

Cost of giving up cash discount =
CD * 360
(100-CD) N


Cash Discount is an implicit cost.


Tightening Credit Terms "
Sales Decrease
Investment in a/r Decrease
Bad Debts decrease


Profit wise :
Sales Negative
Inv in a/r Posative
Bad debts Posative



The 5 C's

Capacity
Character -->
Capital -->
Collateral -->
CHAM ~ FORGOT

love notes @ 12:40 PM


Thursday, December 6, 2007

dot. today thur.
cca meeting
fri no skool
sat CT. die.

dot.
dot
dot.

good luck for ct.
mel.
study hard.

love notes @ 3:46 PM




♥loved


Mel - 5 April 1989
KS - 3 November 1988

♥please

1. hope that our love can last and never change
2. hope that can do well in studies
3. work hard for our future

♥whisper




♥goodbye

Ks Friends

Ah Long
Juliana
Joanna
Alvin
Donal
Sebestian

Mel's Friends
Jasper
Yoke Leng
Bee Ping
Wanni
Magdeline
Yao Kuan
Shu Han

Our Friends
Peishan Aka Ponyo
Phui Shan
Xin Jie
Stephie
Kenny
Bibian
Hui Yee aka HY
Look Up
Look Up even higher
♥past

July 2007
August 2007
September 2007
October 2007
November 2007
December 2007
January 2008
February 2008
March 2008
May 2008
August 2008
October 2008
November 2008
December 2008
January 2009
February 2009
March 2009
April 2009
May 2009


♥thanks

x x x x x