Leaderboard

Hi Reefers, Clearing 5 x zoas frag @‌‌‌ 25 per frag. About 10 +/- polyps(big/small) per frag. Good Day!

Hi all, Selling below: 1) Tropic Marin salt, about 95% full - $88 2) Bubble Magus Magnet Scraper - $28 3) LED light, suitable for 1.5 to 2 ft tank - $38 4) Skimz SH1 skimmer - $68 Collection at west, SMS 9.3824981 for details. Thank you.

Strictly collect tomorrow. dun ask me for more photos or anymore details. Am giving it out so kindly take it as it is. 2 rocks of 3-4 flowers of green and purplish mushroom. 1 number of UFO luminous sea urchin all been with me for past 6mths and bought from CF. PM me.

Fishes 1) Blue Tang approx 3.5 inches - $20 Reserved by 0801 2) Sailfin Tang approx 3 inches - $25 $20 3) Leopard wrasse Male approx 2.5-3 inches - $40 Reserved by 0801 4) True Percula approx 1.5 inch - $15 Reserved by 0801 5) False clown approx 2.5 inches - $5 6) UFO sea urchin approx 2.5inch diameter fellow - $10 7) Sea cucumber approx 3-3.5 inch - $10 8) Abalone approx 3-4 inch - $10 9) Marine Betta - $10 Reserved and pending collection by 7776 10) Coris - $10 Reserved by 5882 11) Sand star - $5 for two (Package Sea cucumber/Abalone/sand star/UFO sea urchin @ $30) Corals 1) Orange rhondatics approx 2.5 inch and 1.5 inch when open - $100 for the whole rock of 2 Reserved and pending collection 9034 2) Green mushroom approx 3-4 flower per rock - $15 $10 for whole rock 3) Purplish mushroom approx 3-4 flower per rock - $15 $10 for whole rock 4) PPE zoas rock of approx 20 polyps - $35 Reserved by 0801 5) RBTA - $15 each Reserved by 0801 and 2589 Rocks Approx 40-50kg of live and dead rocks - Offer me a reasonable price Equipments 1) Artica 1/4 chiller approx 3-4yrs old - On Hold 2) RW 4 wavemaker approx 6-8mths of usage from brand new - On Hold 3) WP25 wavemaker approx 1 yr from brand new - On Hold Reserved by 8268xxxx 4) Deltec SC 1350 skimmer approx 1yr from brand new - $250 5) Dymax 9w UV filter with Dymax pump - $20 6) ATO glass Tank with lid 16inch x 16inch x 4inch - On Hold Reserved by 1238 7) AI Hydra with Director - On Hold Reserved and collection on hold by 3033 8) AI controller - $50 $40 9) Reflectometer - $20 10) FR (similiar size to TLF) - $10 (FOC with any equipment purchase) 11) ZERO 3 stage DI unit - $90 Reserved by 0042

Hi Bro Slayer213, Got see the Escenius australianus??what is the cost of this blenny??

How to Be a MILLIONAIRE ??? Retire With S$1 Million – even if you haven’t started to save By Stephanie Thng, Funds Supermart Start saving early and it could make a world of difference to your retirement plans. Time is your best friend as you will find in this story. Here, we assume five individuals at different stages of their life, from those earning at entry-level, to those close to retirement age. All aim to achieve a monthly income of S$2,500 during their retirement years from age 62 to 82. We also taken into account that the inflation rate stands at 3% per annum, meaning that the general cost of goods and services rises by that amount each year. Further, we assume that whatever the investors save during their pre-retirement days will earn 8% annually. After they hit the age of 62, we assume that the return on their savings drops to 4% per annum as they take less risk in their investments. This simple illustration does not take into account your other financial needs, such as whether you have planned for your insurance needs (life or term insurance, mortgage insurance, health and hospitalization plans). If You're 25 Savings: S$0 Monthly Salary: S$2,500 Rate of Increase in Wages: 3% p.a. Number of Months in Bonus: 2 months Housing Loan: Not Required What You Need to Save per Month for the next 37 years: S$158.30 Planning for your retirement when you are 25 years old may seem a bit far-fetched. But the benefits of starting early cannot be underestimated. Assuming that a person starts working at 25 with a salary of S$2,500, you would need to save S$158.30 per month to ensure that your retirement income can stand at S$2,500 per month during your retirement days, which we assume will run from the age of 62 all the way to 82. Even with no savings to start with, having a regular savings plan (RSP) may be a good way to start planning. An RSP would ensure that you have the discipline to force yourself to invest – there is little room for excuses! Very often, we may be tempted to use up our savings for a travel trip or to purchase that dream car. And even for those who believe in the merits of investing, they may not have the discipline of investing regularly because they feel it is not the "right" time to invest. This could be especially true when markets are going through a bull run and some may feel that it is too expensive to go into markets. An RSP is a disciplined way to ensure that you will invest no matter markets are up, down or sideways. If You're 35 Scenario 1 Savings: S$0 Monthly Salary: S$6,000 Rate of Increase in Wages: 3% p.a. Number of Months in Bonus: 2 months Housing Loan: S$800 per month over 30 years What You Need to Save per Month for the next 27 years: S$666.57 Scenario 2 Savings: S$40,000 (earning 1% p.a.) Monthly Salary: S$6,000 Rate of Increase in Wages: 3% p.a. Number of Months in Bonus: 2 months Housing Loan: S$800 per month over 30 years What You Need to Save per Month for the next 27 years: S$620.73 At the age of 35, the monthly salary is assumed to have risen to S$6,000. But being able to afford an expensive lifestyle has meant that there are no savings in the bank account, and now you have a housing loan to deal with. While things do not look very bright, it is not too late. Save S$666.57 per month and you could ensure that you have S$2,500 every month during your retirement days. If You're 45 Scenario 1 Savings: S$0 Monthly Salary: S$8,000 Rate of Increase in Wages: 3% p.a. Number of Months in Bonus: 2 months Housing Loan: S$800 per month over 20 years What You Need to Save per Month for the next 17 years: S$1692.34 Scenerio 2 Savings: S$40,000 (earning 1% p.a.) Monthly Salary: S$8,000 Rate of Increase in Wages: 3% p.a. Number of Months in Bonus: 2 months Housing Loan: S$800 per month over 20 years What You Need to Save per Month for the next 17 years: S$1582.63 At the age of 45, things will get tougher if no plans have been made yet for retirement. After all, the time horizon till the retirement age of 62 is less than 20 years. Assuming that there are no savings in the savings account, you would need to save S$1692.34 per month. And even with savings of S$40,000, you would still need to save S$1,582.63 per month. If You're 55 Scenario 1 Savings: S$0 Monthly Salary: S$10,000 Rate of Increase in Wages: 3% p.a. Number of Months in Bonus: 2 months What You Need to Save per Month for the next 7 years: S$5319.54 Scenario 2 Savings: S$40,000 (earning 1% p.a.) Monthly Salary: S$10,000 Rate of Increase in Wages: 3% p.a. Number of Months in Bonus: 2 months What You Need to Save per Month for the next 7 years: S$4937.02 The lesson is to start early. The later you drag your retirement planning, the higher the cost. You would need to save over S$5,000 per month (over half your salary) from the age of 55 to 62 to ensure that you have S$2,500 per month during your retirement days.