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We provided protection for you and your family losses caused by any of the insured perils

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I confirm that the information I have provided is my personal data.
By providing this information, I understand that AXA Insurance Pte Ltd (collectively “AXA”) and their respective representatives or agents may collect, use, and/or disclose the information I have provided for the purpose of contacting me about products and services offered by AXA, and I give my consent for AXA and their respective representatives and agents to contact me for this purpose by Telephone, Text Message & Email.

*Terms and Conditions
This offer of the complimentary 1st Year free coverage for Smart Home Essential with basic Sum Assured of $50,000 on Fixttures, Fittings & Renovation, $250,000 Worldwide Personal Liability coverage is exclusively for RenoTalk visitors. Each participant is entitied to one time redemption only and the offer are not exchanged for cash. In consideration of Desmond Kwa Organisation’s collaborations with different corporations, each participant;s member is only entitled to one time. If you have previously enjoy a promotion from Desmond Kwa Organisation you will not be eligible for this offer.

*The offers are only valid for insurance plans purchased from AXA Financial Planners appointed by Frankie Tong Unit of Desmond Kwa Organisation, an agency unit representing AXA Insurance Private Limited. Frankie Tong Unit of Desmond Kwa Organisation reserves the right to change the terms and conditions without prior notice.

Disclaimers:
1. This form is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract.
2. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
3. The above is for your information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from an AXA Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from an AXA Financial Planner, you should consider whether the product in question is suitable for you.
4. A product summary is available and may be obtained from AXA Insurance Private Limited and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.
5. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.
6.Investments in investment-linked policies (“ILP”) are subjected to investment risks including the possible loss of the principal amount invested. The value of units in the ILP sub-fund and the income accruing to the units, if any, may fall or rise. You should read the product summary and the product highlights sheet (“PHS”) before deciding whether to subscribe for units in the ILP sub-fund. The product summary and the PHS may be obtained from a Financial Planner representing AXA Life Insurance Singapore Private Limited.
7. The insurance policy featured in this form is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you should you buy the policy. For more information on the types of benefi­ts that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at www.axa.com.sg or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme (Life Insurance).

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"I Saved Up to 50%" Ashok Kumar, Homeowner "I was so stressed while looking for a good interior design company, so I'm really grateful to have stumbled upon Renotalk as they streamlined this tedious process by half! The condominium packages were a bargain, and I can safely say I've saved up to 50% from them."
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Imperial Harvest Advises on Annual Feng Shui Afflictions 2020

Living & Lifestyle

Time flies at this time of the year, and as we face our daily hustles and bustles, it can be hard to believe that 2020 is less than a month away.

As we know, Feng Shui plays a major role in our lifestyles, and in that essence, an informative guide will be extremely beneficial for 2020.

Thankfully, Imperial Harvest has prepared a Feng Shui guide to prepare us for the shifting energies in the coming year.

Here is a section from the guide, where Imperial Harvest reveals the Annual Feng Shui Afflictions for 2020:

Annual Afflictions of 2020


Annual affliction stems from the same principle of San Yuan Xuan Kong Flying Star.

Every year, the different affliction/stars move to the different sectors in your home. It is important to be aware of these annual afflictions as they can cause you and your family harm and misfortunes.

We will be sharing the annual afflictions you should take note of in 2020.

If you are planning to carry out construction, renovations or anything that will create lots of noise, it is important that you read this article to ensure you avoid problems the annual afflictions will bring.

Tai Sui: North 2

Sui Po: South 2

Three Killings: SouthEast 3, South & Southwest 1

Five Yellow: East

Definitions and Meanings

Tai Sui (太岁)


Tai Sui, also known as the Grand Duke Jupiter Tai Sui.

Its position is signified by the earthly branch (Zodiac sign) of the year. It is important to watch out for affliction with Tai Sui direction as offending it will bring worries, material losses and health issues to the family. It covers an area of 15 degrees.

Since 2020 is the year of the rat, the North sector will be affected by Tai Sui.

Important things to note:

1. Avoid construction or renovation if your house has a facing direction of North.

2. Direct conflict may result in loss of wealth, illnesses, accidents and theft.

3. Avoid construction or renovation in the North sector of your house.

4. You can sit with your back towards North direction while working but never face it while you are sleeping or working.

Year Breaker (岁破)


The Year Breaker occupies the sector that is directly opposite Tai Sui. This is the South direction in 2020, covering an area of 15 degrees.

The Year Breaker brings about loss of wealth, obstacles and illnesses.

Important things to note:

1. No construction or renovation should be carried out if the sitting position of your home is situated at the South direction. If disturbed, this can cause immediate health problems especially for the elderly.

2. Always face the Year Breaker while sleeping or working.

3. Never sit or sleep with your back facing this direction as you will be directly facing Tai Sui.

Three Killings (三煞)


The three killings is associated with negative repercussions such as theft, loss of wealth and recurring health problems to members of the family. It covers an area of 90 degrees.

For the year of 2020, the three following sectors are affected: SouthEast 3, South and Southwest 1.

The three killings consist of 3 types of Sha Qi: Robbery Sha (劫煞), Calamity Sha (灾煞) and Annual Sha (岁煞).

Important things to note:

1. If three killings is situated at the sitting direction of your house, renovation should be avoided completely.

2. As the three killings is said to be like a poison arrow, you should avoid sitting with your back faced in this position as it will result in getting back-stabbed.

Five Yellow (五黄)


Five Yellow (五黄) is known as the misfortune star. It causes severe illnesses, accidents, financial losses and challenges in your relationships.

As the name suggests, this is one of the most inauspicious sectors or directions to avoid. It covers an area of 45 degrees.

For the year of 2020, it lands on the East sector.

Important things to note:

1. If the sitting direction of your home is situated in East, renovation works should be avoided completely.

2. If East is the facing direction of your home, renovation and moving in can still happen under the condition that Five Yellow must not be situated at the main door.

3. Problems and misfortunes will arise when Five Yellow is situated at the main door, the stove, or the bed that has a bad flying star combination.

Is Your House Affected by These Annual Afflictions


Imperial Harvest has this informative guide conveniently available as an e-book to help you avoid and counteract the incoming wave of negative energy next year; click here to download your free 2020 Feng Shui Guide by Third Generation Master, Master David Goh.

We wish you all a happy and prosperous 2020!

Request for quotes and we'll match you with a selection of Interior Designers!

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Renovation Details

Property Type

HDB

Condo

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Commercial

Property Status

Area Size

Floor Plan (optional)

Renovation Details

Renovation Budget

Key Collection Period

Loan Required

I'm interested in free 12 month home insurance!

We provided protection for you and your family losses caused by any of the insured perils

Consent to contact
I confirm that the information I have provided is my personal data.
By providing this information, I understand that AXA Insurance Pte Ltd (collectively “AXA”) and their respective representatives or agents may collect, use, and/or disclose the information I have provided for the purpose of contacting me about products and services offered by AXA, and I give my consent for AXA and their respective representatives and agents to contact me for this purpose by Telephone, Text Message & Email.

*Terms and Conditions
This offer of the complimentary 1st Year free coverage for Smart Home Essential with basic Sum Assured of $50,000 on Fixttures, Fittings & Renovation, $250,000 Worldwide Personal Liability coverage is exclusively for RenoTalk visitors. Each participant is entitied to one time redemption only and the offer are not exchanged for cash. In consideration of Desmond Kwa Organisation’s collaborations with different corporations, each participant;s member is only entitled to one time. If you have previously enjoy a promotion from Desmond Kwa Organisation you will not be eligible for this offer.

*The offers are only valid for insurance plans purchased from AXA Financial Planners appointed by Frankie Tong Unit of Desmond Kwa Organisation, an agency unit representing AXA Insurance Private Limited. Frankie Tong Unit of Desmond Kwa Organisation reserves the right to change the terms and conditions without prior notice.

Disclaimers:
1. This form is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract.
2. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
3. The above is for your information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from an AXA Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from an AXA Financial Planner, you should consider whether the product in question is suitable for you.
4. A product summary is available and may be obtained from AXA Insurance Private Limited and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.
5. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.
6.Investments in investment-linked policies (“ILP”) are subjected to investment risks including the possible loss of the principal amount invested. The value of units in the ILP sub-fund and the income accruing to the units, if any, may fall or rise. You should read the product summary and the product highlights sheet (“PHS”) before deciding whether to subscribe for units in the ILP sub-fund. The product summary and the PHS may be obtained from a Financial Planner representing AXA Life Insurance Singapore Private Limited.
7. The insurance policy featured in this form is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you should you buy the policy. For more information on the types of benefi­ts that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at www.axa.com.sg or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme (Life Insurance).

Contact Information

Name

Contact Number

E-mail

Our team will contact you shortly after you submit this request. Do ensure that your contact details above are correct.

By submitting, you are accepting our Terms of Service and Privacy Policy

What's in it for me? 5 Quotations (up to) from reputable interior designers FREE Curated Renovation Packages 24 Hour quick turnaround Join the growing 46,923satisfied homeowners
Your Renovation Budget? Homeowners with similar property type spend $35,000 SGD on average
"I Saved Up to 50%" Ashok Kumar, Homeowner "I was so stressed while looking for a good interior design company, so I'm really grateful to have stumbled upon Renotalk as they streamlined this tedious process by half! The condominium packages were a bargain, and I can safely say I've saved up to 50% from them."
Send me goodies, exclusive deals, and Inspiration for my home! We pinky promise not to spam your mailbox! Sign me up
"I Saved Up to 30%" Muhammad Fahmi, Homeowner "I used RenoTalk's method of getting quotes and received many attractive packages without hassling & bargaining! I even gained an extra 30% value and better service from the Renovators!"
×
Maintenance Details

Property Status

What service do you need?

Network Services
Mover
Storage
Aircon Services
Electrician
Home Automation
Caterer
Carpentry
Flowers Delivery
Painter
Laundry System
Landscaping

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Contact Number

E-mail

Our team will contact you shortly after you submit this request. Do ensure that your contact details above are correct.

By submitting, you are accepting our Terms of Service and Privacy Policy

What's in it for me? 5 Quotations (up to) from reputable interior designers FREE Curated Renovation Packages 24 Hour quick turnaround Join the growing 46,923satisfied homeowners
Send me goodies, exclusive deals, and Inspiration for my home! We pinky promise not to spam your mailbox! Sign me up
"I Saved Up to 30%" Muhammad Fahmi, Homeowner "I used RenoTalk's method of getting quotes and received many attractive packages without hassling & bargaining! I even gained an extra 30% value and better service from the Renovators!"
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