bepgof

Bro, where can I get this plant, has been looking high & low, wet market got sell the "stem". I was looking for those stem with some roots, but all not roots le.

Camping, fishing, night safari, .....I use this lemonglass oil, very tokong. Mosq far far away, cover their nose & look for other victims.

Cannot teach "old dog" new tricks. If got dog pass by, one leg up & shsss, all toothpicks lay horizontal. Then the cat comes & poo. Why they take yr "garden" as tiolet?

Wow lau, yr area got intelligent cats know how to take lift. Lemongrass is effective to "chase" those small animals and insects away. They can't tahan the strong smell. Don't know why the Thai like it so much. The easier way is , go to chinese medical hall & buy the lemonglass oil (tube with a roller ball), roll one round to all yr plant (like monkey Sun draws a circle for his master to stay within, all devil cannot go in ), no animal/insects dares not go in. Remember to make a semi circle to protect yr door entrance too hor!

Me again, kpo king. Wow lau, you love to ask question which originated thousand yrs back! LD is just a tradition, like fire crackers, aimed to "cast" always the old evil spirits, to bring hence the good xxx 头 for a year to come. Chinese proverb: "He who sells flowers praise his flowers". Whatever troup will sure say their is the best & the most good luck. Lion has black, green, yellow, white and...anyone knows what do the colors represent?

Can, be a ruler first.

Quite "far away" from Kembangan mrt stn. Can see all the heavy machinery on the condo site already, from PIE (changi towards tuas, on left).

Pro Ho is a devoted Christian. When he was in charged of Yishun, many temples' activities application kena disapproved by him. So ppl of different religion heated up, LKY poured water quickly. Same thing for SM/WB, if they step "out of the border", they will be invited for tea first. I was in Public Relation Media Dept when I was doing my NS, did press cutting & translation. I "in charge" of all local chinese press. Other languages handles by other NSmen. Remember, on few occasions, all press "suddenly" kena asked to have "tea-cum press conference". My days in NS were everyday very rushed & tensed up, not worth, seriously under paid. Didn't know how to complain.....just gong gong..& follow....Some of the photographer/reports/editors now were from MINDEF's Pioneer (mag). Anyway, Pioneer mag still around? Pioneer was under PRM Department.

See this: http://www.renotalk.com/forum/index.php?showtopic=32971 FS itself, originally has nothing to do with divination, but somehow, along the way(thousand yrs), ppls add this & that...super long story to tell, if you read chinese histoy(hisrtory with proofs, not legends) can be traced as far as 2070BCE back. You will know the developement of the fs and the changes. Many "scientific ppls" coin fs as "superstitious" is because of these ppls "add this & that" and make fs look like a plate of "rojak" of today!. Actually, I'm not fit to commend this, now could have offended lots of ppls, since you ask, I speak what I know of. Singapore press is unlike those Taiwanese press or mags. S'pore press license renewal is "daily". Each press has their own strategy to improve readership, baseline is no "nosense" stuff. SM/WB likes to carry such articles, promoting ghost stories, religions etc...sooner or later, their editors will be invited for "tea" by MTI. We need not to worry. Remember Pro Ho PK in Yishun with those temples? Ended up LKY stepped in. For sure, the lady fsm's theory get published in the press openly, must be someone behind promoting it with motives. All methods have same goals, ie to know the past(past already known), present & future, so to "master" life. Can we? I've even mentioned better not to know our future now, even if there is way to do so, why?

Life follows rule of O$P$. Ah Long very smart, learnt it long long ago.

I received no formal training on this, have read a few bks before, and after that have also paid some attention/observations to ppls' inner palm. Noticed that: - Those "blue collar" ppls' palm lines tend to be "thin", "many", "messy". Especially true for those who use palm to wash clothing, mechanic who use srcew driver/spanners/oily palm & wash hands frequently, fishmongers whose palm constantly intact with water......"thin", "many", "messy" interpreted as 'bad life", "full of worries"..... - Different schools' taught will confuse you: left hand?, righthand?, dominant hand? Some even can interprete "fingers" - a bit like bazi's parent/bro/sis/own family/chrildren/career/main resistance/future..... I think pay money & spend time to learn something "extra" is always good. Remember, palmistry is only one of the many divination methods developed by human being.

If a book with substance, I would buy, even cost as much as a few hundred $. I bought 黄帝内经 (abt 6 inch thick) at around $300, is not a bomb, is the key to wisdom. I've 3 bks on LKY.

Confirmed, cash/cpf exchange hands on 2nd appointment, cpf a few days later.

My mistake, "think too fast", "hand type too slow" then "go", sigh. Old already. 1. $1K, + 4K 2. as previous.. sorry!

I got motocycle accidentssss too, kena sent to hospital by Ambulance. I got car accidentssss also, boynet went up, windscreen broken, son flew out. Right palm got electric burnt, MC 16 days. The scars remained as witness. I "offended" Tai Sui? I received many "fine" letters, also received "warning" letter from boss. Pay cut, pay freeze, I offended "tai sui"? I only blame myself for all these "unfavorables", no ones else. I also very nice leh, ppl give me i inch, I give 1 feet in return. If I were to be more "careful" or "more patience" = cause, accident(effect) would not have happen. Or too much "artificial intellegent" = cause, to authorize air shipment, I would not have kena "warning" letter (effect). Say is always easier than done. "Cause" is not that easy to be identified in real life, until thing happens, then oops... Those that we have "escaped", = we consciously knew the "scary effect" if were to do this (cause) and we've prevented the "scary effect" from happening. Some effects take long to be effected, ie investment, children education/upbring. Gamble has immediate effect and this effect is the cause of another event....never end lah. Next, from Bible (words of God) effect could be "effected" within 3 generations.

According to the "traditions", you're right on the General & animals. While study the mathermatic of Chinese Calender, I realised Chinese do not have a continuous year count. Every 60 year repeats a cycle. Unlike the western calender which counts from the birth of Juses Christ, till now is 2010 yr. Many scholars tried to traced back which is the yr 0(chinese calendar), but up till today has no conclusion. By legend, chinese calender was invented by Yellow Emperor (2697BC - 2637BC) who remained as a mythological figure. If we follow this legend, then the chinese calender up till today has history of 4647 yr, or the sexagenary cycle have been repeated 77 times!. Back to your queries, that's not my formular, just merely a reply from a Master in a china web, why not +2, +4...? I'm also very doubtful to these formular. Up till now, I don't know What the 12 animals have done to the 60 Generals or offended the Jade Emperor, some 5000 yrs ago. Everyone has free will, you can contineous signing-hopefully not on a bounce/blank cheque.

Your concern should be WHEN the CASH & CPF will reach you for selling:(if buyer take HDB loan, then I'm not too sure) 1. 1% cash immediate, after u give seller OTP 2. Cheque reach you on 2nd appointment. CPF acct, I think abt within 7 days after 2nd appointment. Ppl take "bridging loan" -which comes as "optional" when you apply mortgage loan for new purchase, maximum allowable is 15% of valuation. This loan can "tide" you over while you waiting for the CASH & CPF $ from your sales of "old home". This loan charges at abt 6+% pa right now. If, say B loan=$150k for 6months. 6 month's interest~ $4500. So must plan properly.

Aiyo, yo have missed out the stamp duty fee which is at (Valuation x 3%)-$5,400.

1. 1% cash to exchange for OTP. 2. Within 14 days to exercise (quite rush, get loan approval asap)(bank will do the valuation later) 3. Pay 4% cash + stamp duty (pay in cash first, can reimburse by using cpf, banker/solicitor know what to do) 4. Pay 15% (either cash or cpf), at this point, you've the banker & lawyer with you to tdo the transaction 5. Usually whole transaction fast = 8wk ~ 12 wk, depend on seller's any special request. Note: personally expected the sibor/sor will remain low till end of the yr. NExt yr onwards "too far" for me to see, forecast not accurate. See whether west big brother wake up from ICU or not. Sibsor seem to be more preferable by "kiasi" ppl. Short term investment would prefer to use loan peg with Sor. UOB- offer only Sor, now abt 3mnthsor+0.75%, with T & C DBS - Sibor, 3mnthsibor+0.75%, seem better T & C than UOB. OCBC - ?? StanChart - same as DBS, fixed at 1.85% for 2 yr... Citibank - seem the most "tokong", but application got 6 pages, scare me off. If you want to do partial payment after selling yr house, better choose those without "lockin". Some features need mentioning: - Find out if got "cancellation charge", usually at 0.75%x outstanding amount. - See if loan type can be "converted" to other type withi certain period. (in case make wrong decision for 1st choice) - Full legal coverage or just "legal subsidy" - abt $500~$1000 difference Everyday in life is a learning process, enjoy your "shopping". If loan has been taken, each time bank revises the interest rate will send you a letter, upon open the letter box, don't get shocked!

"Freelance" masters are like that - less organised and not so "aftersales service" oriented. From the setup of FS shop, oversea fs trip, sponsor movie making, with so many disciples, TKY is sure organised, innovative. I supposed he has been "loose" in mouth and he has also built a big tree which subjects to strong "winds". However, if what he does is for the well being of commoners, not for profit/honour/glory/name, he would be considered a real reputable FS master. Look at what he has said in the public, would know what is in his mind. Why talk abt so "chime" topic abt magnetic wave vs ghost, rendered help to the "dead" in the dream..... Alway treat "good" to ppl while he is alive. No point offering the dead parents a trillion $ or a mountain of food but did not play filial to them while they were alive.

1. HDB resale needs 5K cash(as booking & otp exercise) 2. Another 5% cash - this 5k, +cov, + agent's comm, the remaining can use cpf$ to settle. 3. 2 owners MUST HAVE > 50% in OA. If one meets, while the other one can't meet, then the first one must set aside $123,000 (100%), any balance in OA then can be used. Your spouse can only sit & watch = can't help.

6th floor, extreme corner (closest to ave 3), owner knocked away wall in mbr and linked up study room, to make air ventilate. I told seller agent on the spot that the mbr made no difference to a prison cell by felling. Built in 1992~1993. 1st time I see hdb room without windows. It is a 3bedroom +1study unit.

Not so tokong to hold 3 properties concurrently lah. Some profile just for sharing: 1. 1st hand hdb 5rm, get in 1992(age 29), married there, stayed there, make 2 babies and rented out for 11months. Sold after 13+1 years later. 2. 1st hand 3bed condo, buy in 2005, top in 2006, stayed there 3+yr then sold last yr. 3. Buy hdb resale 5rm last yr(age 45), now staying there, 5 months to a yr. 4. Pay booking last month & stamp duty early this month for TG. So far Citibank, DBS, UOB have approved house loan, eyeing my pocket with saliava dripping mouth, even offer to come to my home tonight leh. Tell u a "secret": Before marry, wife was staying at the "1rm 1/2 hall" hdb rented, she wished to have a owned hdb after marry, so we joined hand, wish fulfilled. See ppl stay at L99 condo very shiok, join hand again, dream fullfilled. She concluded maintenain fee "expensive" and children tired of the facilities, so shifted to present's hdb resale. Now, greed grows, she wants to own F/H. Bopian, I follow her lor. I guess the next target will be "landed"- where I "originally" come from - those zinc roof wooden house with cement floor, surrounded with many coconut, mango, rambutan, durian....trees. Lengthy to write... I just fond of D15 district Why now still "dare to go" into proty? - Global eco, USA, Europe unlikely to recover from "injuries" and become "fit to run" within 1~3yr. - Borrowing cost is so low and so "attractive" - chance hard to come by! Expected to go even lower till end of this yr. - "Seem too many" L99 condos which, to me, make not much different from hdb flats. That was why I don't buy resale L99 condo for rental. - Those recently announced BTO, GLS for private , take ~ min 4 ~5 yrs to be fit for stay. - S'pore is land scared, Immigrant is the prime mover, will keep going for a few years, create the demand for housing needs. - Resale may be facing some volume & price resistance. - Developers are very unlikely to axe price now or even till end of the yr. - Our west "big brother" looks like seriously injured, now till in ICU, any shocking news can be expected. -West "2nd brother" also had a great fall, take years to get up right. - East "big brother" also suffered, financial industry very messy, looking for "outlets" to vent the "waste". - Local developers, recongised the trend, all join hand and chiong to "eat" the cake offered by east big brother. - Do not "overlook" the "rich" from China & India - come like hungry tigers, wherever they go, left nothing. - So, want to buy or not?

Paiseh, made a silly mistake. It is $7xxk onwards, not $7xxpsf. Any different?

HDB doesn't believe the effect of G month, now kena knock the wall.