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At times wondering ppls look for trouble themselves, inc me. What investments, borrow this and that to finance another, make life complicated Gong gong, I think the best, but...don't know what to say. 'Be contented' is the key. Money can never be earned 'finished'. The more you have, the more troubles you invite, i dare to conclude.

Your arguments? Supports?

Sickness needs right medicine with right dosage Medicine takes time to work We are all sick Below are 'medicines' to various wealth-related sicknesses, calender year 2013. Take as much as you can, decision is yours FD-1.3%Bond-2.6%Equity Dividend-3%Residential Property- 6.3%STI- 9.3%

New dogs may be susceptible of tech advancement w/o considering consequences Posting photos/video announcing to whole world then can't delete Say something here also 'dangerous' you know Old dog's opinion Old dogs can't learn new tricks,cos new is not new Announcing names, phone #, addresses (hard or soft)...are all indifferent

Ren qi is symbolic, modernist perspective can't explain. -10 person within a elevator - 3 meter sq foot print? - Within a 3 rm HDB of 65 meter sq? Rush hour mrt train - many 'ren' as well as 'qi'. Wherever there are lives (movable and non-movable), there will have 'qi'. 'Qi', as so-call in FS perspectve, prospers as well as diminishes, physical and non-physical things. Physical sciences explain things in modernist approach, quantitative, can count, see, touch, chair & table.... Non-physical sciences, say motivation and leadership, can't be seen as piece by piece, but can be felt, and its effects can be seen - it moves and transforms things! Qi (a generic term) exists in too many forms and is quiet complex (its effect to human at different conditions). The key is 'equilibrium' - no more and no less, just nice. However, we exist in this world with many constraints (health, wealth, happiness, etc)that we constantly seeking after, qi around us keep 'changing'. Hope it helps.

From citizen perspective - a welcome policy change on public housing, before same 'nationality' non-citizen get too 'concentrated at one place'. http://www.singstat.gov.sg/statistics/latest_data.html#15 As at mid 2013: Non-citizen = 2,085.7 mil (38.6 %) Resident = Citizen + PR = 3,313.5mil (61.4%) Total = 5,399.2mil (100%) This translates (normal distribution in statistics, +/- 2 sigma), say within a smrt train, among 10 passengers, 4 are non-citizen (Not PR not Singaporeans). Scare? What if these non-citizens population distributed pattern get skewed, meaning outside +/- 2 sigma range - you throw a stone - will have 80 to 90 % chance the stone hits on a non-citizen. 80% (0.8 x 3,313.5mil)of resident stay in HDB, remaining 20% in private The non-citizen (2,085.7mil) stay where? Answer: Pareto principle - some public(80%), some private(20%). This is an issue in relation to non-citizen residential population distribution control in public housing. Generally, it is good MND identified and took action before too late. Similar 'distribution controls' have to be in place, especially those PUBLIC facilities. You know what I mean.

Well decrypted 'secret'. Human very 'funny' - Often self blindfolded see no treasures in front, look for treasures far far away told by others. I learned one thing in life -the more i know the less i understand Why bother to know these 'heavenly secrets' - the 'troubles' will trouble you. Why look for troubles?

It's fire-retardant cable. Try Sam Huat, speak to Mr. Khoo.

Slightly side-track, however, related in some senses.... Back yst from HK for visitation, as 'worst' as my previous visit 11 yrs ago. The 'pearl' looked from hill peak, no longer radiant but hazy. Neons lights, signboards, aircons, overhead wires...remained the same except property prices rocket up despite the 3 dips in 1997, 2003 and 2008. A general working class can't afford a 400sqf apartment(2nd mkt) for whole generation. Be reminded, majority HK land lease will expire in end 2047...... Singapore 'follows' HK in many 'models'. Our public housing model, 50 yrs liao, is comparatively 'successful' in this century. Must say, it is a great model but backed with strong political forces. Without these forces, it will........you may not know, i know but can't write here. Residential/commercial along MTR lines....productivity = shortest possible 'waste' in travelling time (home-work, home-sch, etc) Environmental is always 'cruel' - nothing is accidental, things exist for reasons = u pay for what u live. As u have heard many times-singapore is land scared-different ppls have diff 'interpretations' due to diff 'needs', 'visions', 'knowledge and experience'. My advise is, as a 'start' - go 'primary mkt', now is the right timing with prevailing forces supporting this, why 'waste'? Such time is hard to come by if look back. 'Secondary mkt' comes with 'rewards' but tag with prices, why 'fight' with those who have no 'choices'? - want rewards and pay no prices? No, no. Many runners ahead of u know this rule. Pay price for 'features' that you need which come along with product. 99-36 = 63, what do the cpf rules say? implications?

Precious son, once commissioned fighting with 'private' market forces, called home by great mother having 'reunion' with siblings.

7 early 8 early left foot/hand prints and body smell there. Haha. Look more like a mall! Grand entrances

Yup old Bedokian still alive! Since 1981 Bedok Mall opens today u know

Good video on what are 'perspectives' and what are 'good fit'. Same for FS - perspectives and good-fit. No 'standard formulars'?

My great grand father said spiritual beings are capable of 'attach' themselves to any physical items they love, including 'space' - for their intended purposes. They 'float' here and there then attach or 'reside' in 'dirty' minds. WHY they 'prefer' unoccupied house? Just because it is emptied? Ghosts love 'to occupy emptied space?' - can't be seen for public good? I tot only those drag addicts, adultery couples, theft....prefer 'unoccupied' yet 'ready' space and construction allowing them performing some 'unseenable' activities by the public? Every human has his 'dark side' when ghost resides, be aware. Those with huge 'dark side' see and meet ghosts every where at any time.

Including 'fire the boss', haha. New chapter starts. So ST, Let them touch/move - cos they love it! Give them if they want - u'll 'see through' many things

So far I've 'cashed out' only one insurance-related policy, Aviva's "His Assurance Gold" plan. Took in 2003, purposely terminated it in 2012. Lost abt $2K without 'timed value of money' being taken into consideration and the opportunity cost. Insurance is one of the '4 assets class' - besides covering financial liabilities (life, medical, investment, saving....), it is part of retirement planning as well. Meaning: it is a 'cash inflow' source when no earning capability. It is a 'long-term' planning process. One important features policy holders must understand: as time passes, the 'liabilities' change - meaning policies need to be 'reviewed' constantly - perhaps at 3 yrs interval. I bought numberless policies till I 'lost count' over the years (since 1993). Lately, I 'summarise' them, get some 'shocks'. Many cover 'the same things' - death, TPD...Also discover many 'raiders' paid in cash with no 'cash value', esp those CPF-related. Medishield & PAID. Also sum up those 'projections'...also shock - if surrender, get back less than what the premiums have been paid - life/illness types. Example: Yearly premium $1500 for 20 yrs can get back only 54% on what has been paid ! 100year-old life policy. General advise, don't just buy and buy: 1. Try to get 'short-term' tenure type, so allow you to stop or switch. yearly, 5 yrs. max 10yr. 2. Try invest on those with 'cash value'. 3. CPF type has no choice. 4. Review it constantly.

Information on animals behaviours.

Experiences tell: luck happens only when preparations meet opportunities. TS is doing preparation and looking for opportunities. Well done.

What about 'hair' on head? 24/7. Mine being touched and moved by barber almost every month. ?

Luck like? Sell away luck? New place= full of uncertainties. If, this item has proven brought you luck, the more u need to bring along at all costs. 50kg is nothing.

Look at formular carefully: it is actually monthly OUT/monthly IN, but take {'yearly out'/12} / {'yearly in'/12}. It invovles 'commitmments' - very subjective. According to gov's 'self-explanatory': a ratio of 0.35 to 0.4 is considered 'safe'. Banks are interested in your evidence of 'INCOME', not so much so on 'outflowsss' - they have no ways to know the true story of your 'outflowsssss'. Unless you show/prove you have 'reserve' , that is another story. The ratio is very 'static'. Life is dynamic.

'Free thinking' belief stresses no ghosts who 'float', only 'ghosts' who walk. Walking 'ghost' is more scary then one who 'floats'. Dirty things occupy only dirty minds, not space.

FS is supposed not to be culture embraced, but....'problems' are: ppls put cultures into their so-called 'FS'. Examples: Stove vs basin - explain in fire vs water context. Completely inappropriate. - Growing plants along building wall to shield away 'unwanted' sun's heat is FS application. - Electric fan installed at deemed 'hot' place for cooling purposes is FS application. FS is not abt Chinese lunar 7th month can do this and cannot do that. Lunar 7th month is part of Chinese's culture. - 'Synergy effect' is FS application. Chinese explains it as cause and effect of 'small man' and 'expensive man'. Hitting the paper-made 'small man' diminishes the real 'small man' surrounded? And bring the 'expensive man'? Round air duct shaped like 'snake' is a snake? 'Sharp' corners are 'blades' and 'shas"? FS concerns 'logic' that brings effectiveness and efficiency get things done as well as balance between human members. The cultural factor comes in about bringing balance between human members. We live within 'community culture' - set of norms,rituals that govern the 'acceptable behaviour' of each members. Majority 'wins', or speaks 'louder'. We 'look around' then behave. Many threads in this forum deal with 'look around'.

My 13 years experience in HDB 5-rm, as above, proved my 'heart' remain intact - further more, it earned me the first bucket of gold. My 3.5 years experience in 3 bed-rm condo, as above, proved no 'arrow', yet earned me a bucket of 'silver'. If above theory holds, perhaps 1/3 of houseowners in Singapore already dead by arrow through heart. The theory is rubbish!

You ae right on 'paper", in fact everyone knows this. Problem is 'how to'. Everyone awares, knows and momorises 'swiming manual' so well, however, when need go into pool, 'problems' come. Let's not talk about the 'manual'. Let's talk about 'problems' about to go into pool. 'Problems' while in pool. How u enjoy in the pool. Ok?