Hi, my name is Michael Tay.  I am married to Loretta Ang, and have two children:  3 years old Elisha and 18 months Joshua.

I guess the idea of having a website is to make your presence known throughout the vast reaches of cyberspace.  At this time, each one of us has our own page that will allow us to express or individuality as we wish......

be back soon........back to Jelms