(2010) 2010 Brides
- Thread starter eevee
- Start date
LOL thanks for the advice... Taking at Chinatown should be quite interesting too~ but will be super crowded now! But actually hor i not taking PS in SG so... cannot go Chinatown anywayz hahahaha
but i think my PS will be at crowded places too... Jaq i can join you in the "PS in crowd" group
but i think my PS will be at crowded places too... Jaq i can join you in the "PS in crowd" group
la_vie_en_rose
New Member
darrel: your analysis of housing loan with hdb makes sense except that if you use the money in cpf earn 2.5% sure lose out compare to using 2.6% loan rate. because the principle of your loan will always be bigger than your loan. unless your cpf amt = or > than your loan.
alicia_yong
New Member
annisan> Yup, like wat the rest says, PS early no harm. =) I had mine in Sept.. lol~ U can always go down & look at their gowns lor, den ask ur co-ordinator whether any new gowns soon. =)
Valerene > It's true that HDB loan is always higher than CPF OA interest rate by 0.1%, so actually should invest the OA money to beat that interest rate. Anyway, first 20k of OA earns higher interest if i remember correctly.
SIBOR has gone to as high as 8.8% some 10+ years ago, meaning housing loan rate can hit 10% easily. Home loan is a long term commitment, say, at least 20 years. No one can guarantee if interest rate will remain as low as now in the next 20 years.
Jaq > hahaha i m thinking of taking night shots with Tsing-Ma Bridge as the backdrop (at the beach of my BS' studio). Heng these few days getting warmer... around 18~20 degrees, else i will dieeeeeee from cold weather...
SIBOR has gone to as high as 8.8% some 10+ years ago, meaning housing loan rate can hit 10% easily. Home loan is a long term commitment, say, at least 20 years. No one can guarantee if interest rate will remain as low as now in the next 20 years.
Jaq > hahaha i m thinking of taking night shots with Tsing-Ma Bridge as the backdrop (at the beach of my BS' studio). Heng these few days getting warmer... around 18~20 degrees, else i will dieeeeeee from cold weather...
xiaofeizhu83
New Member
Deerixp - Its a video for our childhood montage...
rand: haha I went fullerton for night shoot...then on my way back, PG asked us whether wanna take at anderson bridge or not cos since there liao, might as well...and we agreed lor haha. but we took in the middle of the bridge, standing on the kerb with traffic bypassing us on both sides, quite dangerous LOL
ellen: if the economy improves, SIBOR will surely shoot up...hence I gotta monitor very freq lor
ellen: if the economy improves, SIBOR will surely shoot up...hence I gotta monitor very freq lor
darrelandgeri
New Member
Val > yup. For CPF/HDB the interest gained is less than the interest you need to pay for the loan. but what we need to look at is not to let HDB wipe out your entire CPF. if you put your money elsewhere, you can use it for investments that gain more than the 2.6% interest incurred. Add the fact that you can shorten your loan without penalty, its more like using the money which should have gone to service the loan to generate income that covers more than the interest collected.
bank loans don't have a penalty-free loan repayment, so borrowing as little as possible is a better option.
bank loans don't have a penalty-free loan repayment, so borrowing as little as possible is a better option.
Alicia> But But i need time to slim down mah... haha 
Rand> oh, but im totally clueless on MTM wor, thinking if i really cant find any gowns of my liking, i will have to go for MTM le...
Booy> Yeah dont issit a HAPPY or SAD news lah... haha
xfz> u did your own childhood montage? im looking for someone who can do for me...
Rand> oh, but im totally clueless on MTM wor, thinking if i really cant find any gowns of my liking, i will have to go for MTM le...
Booy> Yeah
dont issit a HAPPY or SAD news lah... haha xfz> u did your own childhood montage? im looking for someone who can do for me...
darrelandgeri
New Member
thansk thomas for the email.... actually i tot the MC script will be much longer
anyway i need to ask my brother/sister in law to be the MC... both teachers, so won't have stage fright
anyway i need to ask my brother/sister in law to be the MC... both teachers, so won't have stage fright
darrelandgeri
New Member
anni > you haven't look for your photoshoot studio ?
thomas> haha, if i can slim down that much, it will be good lah~ BUT BUT saying is always easier than doing it... just like my ROM i also nv slim down... *lack of determination* Oops... now is different... AD le, so must be pretty pretty... somemore once in a life time wor~
darrel: no prob...my wife asked her boss to be our emcee cos he's a very good speaker. some ppl got the flair for talking u know?
annisan: better to diy ur own montage, not worth paying that amt of $ to ask others to do for u. my wife did all her 4 montages on her own also, feel very proud of her hehe.
annisan: better to diy ur own montage, not worth paying that amt of $ to ask others to do for u. my wife did all her 4 montages on her own also, feel very proud of her hehe.
darrelandgeri
New Member
anni > ok .. rephrase... have you signed up with a BS ?
cos got the other option where you do the gown at a bridal shop which doesn't have in house photgraphers. those BS usually charge more, but do more detailed work. better for MTM gowns.
thomas > i dunno that many... or rather those that i arrow all siam...
cos got the other option where you do the gown at a bridal shop which doesn't have in house photgraphers. those BS usually charge more, but do more detailed work. better for MTM gowns.
thomas > i dunno that many... or rather those that i arrow all siam...
darrelandgeri
New Member
orrhh... what some gown shops tell me, its always better to pick OTS gowns from these types of shops because if you MTM, the worksmanship not very good. the seamstresses that they use are better at doing alteration than making gowns from scratch, since thats what the do most of the time. Also, some of these will just draw the design, and fax to their dressmakers in china. so sometimes the actual product and the design can come out quite differently.
annisan: my wife used Microsoft Movie Maker, u can try also =)
darrel: guess my wife is lucky, hers not from china lol. designer managed to translate abt 95% of her ideas into reality, so she's quite happy overall.
annisan, if u are clueless then better for u to take OTR instead of MTM. MTM sometimes may come out worse than OTR if u dunno what u want.
darrel: guess my wife is lucky, hers not from china lol. designer managed to translate abt 95% of her ideas into reality, so she's quite happy overall.
annisan, if u are clueless then better for u to take OTR instead of MTM. MTM sometimes may come out worse than OTR if u dunno what u want.
pink_lady00
New Member
Thomas, is it difficult to diy the montage?
By the way, can u email me a copy of the MC Script to [email protected]? I want it for reference too. Thanks.
By the way, can u email me a copy of the MC Script to [email protected]? I want it for reference too. Thanks.
pink: it is, I know my wife spent hrs doing our montages and also many sleepless nites too. not easy to coordinate esp the music part with the slides, timing must be just nice. but the satisfaction of seeing ur own montage being shown on the projector screen = priceless
ok emailing u now
ok emailing u now
xiaofeizhu83
New Member
annisan - The PG that I engaged for my AD will be doing the childhood montage for me...
Jaq > should be okie de... the beach with Tsing Ma bridge background is just at the BS' studio and they take the same place like a million times liao... hahahaha
about montage... there is a software from Nero also. quite easy to use according to my friend who diy-ed his montage.
Actually, if you have the patience, even MS powerpoint can do the job
about montage... there is a software from Nero also. quite easy to use according to my friend who diy-ed his montage.
Actually, if you have the patience, even MS powerpoint can do the job
Thomas> My hubby also doing montage on his own and he's still working hard on it.. Really a lot of effort required.
Annisan> Be happy.. haha.. Just take it that the tax is used to make your life 'better' in singapore..
Jaq> Really dangerous to take those kinds of photos indeed.. Just take by the side of the road will do...
My hubby used After Effects for the montage..
Darrel> Think it really depends on the BS you choose.. I went back to my BS for a few fittings and I slowly see the transformation of the gown.. And Im rather sure that the seamtress belong to the BS..
Annisan> Be happy.. haha.. Just take it that the tax is used to make your life 'better' in singapore..
Jaq> Really dangerous to take those kinds of photos indeed.. Just take by the side of the road will do...
My hubby used After Effects for the montage..
Darrel> Think it really depends on the BS you choose.. I went back to my BS for a few fittings and I slowly see the transformation of the gown.. And Im rather sure that the seamtress belong to the BS..
darrelandgeri
New Member
booy > i agree it depends on the BS.... and also depend on the person seeing it... layman like me also can't tell the difference. only those people who make gowns day in, day out can tell from a look. Ignorance is bliss
after-effects... sounds complicated.
I use a mac, so i can use iPhoto of FotoMagico.
Windows, can use windows movie maker for simple ones, or proshow gold (Photodex) for more "pro" looking one.
after-effects... sounds complicated.
I use a mac, so i can use iPhoto of FotoMagico.
Windows, can use windows movie maker for simple ones, or proshow gold (Photodex) for more "pro" looking one.
darrelandgeri
New Member
mine is completing on wed. my contractor never remind me to buy the toilet bowl and fittings *curse+swear*...
so weekend have to go shopping again. grr.
whats a good place to get toilet bowls, mixers, showerhead, towel hangers etc. other than the standard sim siang choon.
so weekend have to go shopping again. grr.
whats a good place to get toilet bowls, mixers, showerhead, towel hangers etc. other than the standard sim siang choon.
darrelandgeri
New Member
actually, i also dun see the point of the childhood montage :S . I usually yawn through them when I attend weddings. but my wife insisted. Partly cos she's not the one who has to do it.
