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no matter how hard i try to save.. i seem to lose more $$ in other ways.. first it was this.. now it's this.. oh ya.. just to let those without any insurance premiums to pay.. there's a veri attractive flexi savings policy offered by prudential.. they onli req u to pay $110 per mth and there's a 2 time pay back? once at the time of diagnosis and another time at time of death.. for more info pls go to any singpost branches... sad le.. realised that i am in debt at the age of 21! ah!!! 1 more year to go! haa... better enjoy my free days now.. before i've to worry about $$... perhaps have to take up tution.. or have to work always in all the hols.. perhaps ia also.. sigh sigh,,, still dun understand programming... how how?! studies suxxx.... $$ lacking... i'm becoming a pauper in both knowledge and $$... sigh.. sigh...