bepgof

Precise. Black nija dart. Say easy than done. 修心养性? Digital devices convenient life, no wrong. Complicate life, for sure. Faster pace, heart beat increases. More data, mind confuses. Looking at screens, bad for eye. Sit and sit, no exercise. Look and look, touch and touch, go into 'independent' world mode. Less face-to-face communication. Efficiency? Sure! Effectiveness, I doubt My 'house rule' - no 'look and look', 'touch and touch', communicate while dining whether in or out!

To share. I hold no crystal balls to see future. I'm not a magician to change things instantly. I can't perform miracles, like Jesus. But, Experiences grant me a pair of ' X-ray' eyes!

费话少说. We aware that 'physical objects'( other than resources) could bring about changes (build or destroy). Contingency approach applies, it depends..... 'intangible things' like wisdom, power, leadership styles, & etc could do the changes! I-Ching holds 3 broad principles, called '三易' = 1. 变易, 2. 简易, 3.不易 1. 没有一样东西是不变的 2. 宇宙间万事万物，有许多是我们的智慧知识没有办法了解的 3. 万事万物随时随地都在变的，可是却有一项永远不变的东西存在，就是能变出来万象的那个东西是不变的，那是永恒存在的。那个东西是什么呢？宗教家叫它是“上帝”、是“神”、是“主宰”、是“佛”、是“菩萨”..... Besides 3 principles, it holds 3 rules, named 1. 理, 2. 象, 3. 数 宇宙间的任何一个现象，一定有它的理，同时每个现象，一定有它的数 1. 人生也好，情绪也好，思想也好……都有它的原则和道理。以我们现代的观念而言，理是属于哲学的，宇宙间万事万物既都有它的理 2. Example cassette recorder. 是录音用的，它能录音，其中有很多理，录音带的样子、大小以及它还会放出声音，就是它的象 3. 有若干长，若干宽，这就是它的数 Mankind, holds 'relationship' with 'all things' on this earth. The relationship changes every moment, once changed - which involved 理、象、数 Once comprehend such principles and rules, you can understand I-Ching liao. 'Some genuines', not one or two, translated I-ching into 64 卦, purely symbolic. 'All things' in this universe covered by only 64卦? To me, obviously not, should be 124, 256, 512, 1024....infinity! Principle #2 tells!

We're experiencing impacts that digital cyber brought, be changes ofo business operation modes, lifestyle choices, relationship, survival, competition, growth & etc. Am interested if anyone could share how does digital era brings challenges to mankind in FS perspective. Or any 'old', 'modern' FS scripts talk about this ?

Good. 武林秘籍易懂难精. 'Culture' factor need to be incorporated in nowadays' globalise setting. 'sword' vs 'gun'.

Rubbish!

Hi Mae, nice to 'see' u here again. Feel like drinking a good old wine. I quoted someone said to me before: 'I won't penalise you for holding different opinions with me but laws of mother nature will penalise you if you show no understanding of your opinions' Luck happens only when preparation meets opportunities!. Tons of various 'opportunities' await in market. To 'meet' or 'cross' such opportunities need 'preparation' or we call 'homework'. A lousy-prepared '命', I guaranteed sure meets with lousy-opportunity. This is universal law. He/she might grab, at times, some good-opportunities without preparation, but easy come easy go. Another universal law. These good-opportunities will go to a more-prepared one.

You are precisely correct (I view) that YY and WX are scientific fundamentals of FS. The northern sphere star constellation confuses many, in relation to fs. Not mentioning the 天干地支 concepts in Chinese calendar application. To me, after so many years studying and experiencing, they are nothing but a plate of 'rojak'. This 'rojak' is like a '武林秘籍' that everyone hopes to possess and master the strokes. It "teaches all the 'strokes'. This stroke good, that stroke superior...... Eventually? I kill you, you kill me. The more I learnt, I less I know. One thing I learnt from taichi principle is that: 返璞归真, forget all strokes and blend all strokes. KCwee, control the language a bit. Emotion (cause) impels men to actions (effect), universal law, otherwise men are machines. Respect always need to be gained. 先避凶，后取吉.

先避凶，后取吉. = 'Bite the bullet' first, 'enjoy the shade' later. = sow the seed first, reap the fruit later. Decision makes todays, consequences ( 凶，or 吉) follows tomorrow. This is cause-effect. This is an universal law. This is FS. This leads to many examples in life. Ex1. we work like 'cow', save and save, enjoy retirement. Ex2. We do physical exercises that give us some 'pains', health we gain. Ex3. We borrow $ that requires repayments(bite the bullet), for investment, which generate cash inflows (enjoy shade). Ex4. We don't borrow $ for consumption that leads cash outflows later. This is 先吉后凶. 4 quardrants mix application. Not urgent to urgent (y-axis, upwards), not important to important (x-axis-right ward). 1. Settle urgent & important. (phone call, life-death situation) 2. deal with Urgent but not important. (email) 3. Not-urgent, important. (relationship maintaining) 4. Not urgent, not important. (hobbies, watching movies, watching movies) We learn 'swimming' not merely by reading manual, front to back, can memorise even from back to front. We get ourselves wet, through process and time, we 'master' swimming which can be learnt via 'mouth' alone. Again, this is universal law. This is FS.

A 'taichi' stroke, stabilising resale price pushing/adding effect to 'rental' market. Implying PRs should 'contribute' non-returnable (no cash value) cashflow stream to landlords, meanwhile testing their commitments.... A basic fact, Foreigners buy property here besides capital gain but also for currency exchange rate gain. SGD appreciates slow and steady... Imagine you fork out SGD500K, convert to Riggit and buy property in Iskanda one year ago, now??? after converting to SGD?

Haha, you reached 'self-actualisation' stage liao. 返璞归真. Congrats.

Basically agreed. These are intangible variables subject to different contexts of interpretation. The 'period of time' and the 'intervals' do play a part. Sleep late, wake up early for a period of time, say one month, then see a master to read face, what would he tell most likely? Must always look at macro and micro levels then prediction would be more accurate. The vibrant energy could be due to a 'single factor' effect. We often a find couple in love with vibrant energy, right? So for a good residential house, what are those macro and micro variables we are looking for?

四海之内皆兄弟也。 I 'take' without permission, too precious to be missed.

Like this. There is no new things under the sun. History repeats itself.

We borrow $ for investment which generate cash inflows. Not borrow $ for consumption which causes cash outflows. We save $ by defer personal consumption thus lending others for consumption, get 'yield' in return. Owning/buying a car is an investment(asset)? How it generates cash inflows? How it causes cash outflows? Take a 1.6 liter car for example: Fixed costs: Road tax(6 month)= $369. 1 day=2.1 Insurance(1yr)=$1.2k. 1 day=3.3 Parking(1 month)=$85. 1 day=2.8 Say COE(10yr) = $70k. 1 day = 19.2 Variable costs: Fuel(1month): $300, 1 day=$10 ERP(daily): $1 Total cash outflow daily = 2.1+3.3+2.8+19.2+10+1 = $38.4 Not mentioning maintenance + car cost! Worth? Consumption? Investment?

Wu-xing is a rather imaginary concept that confuses many, especially when it is applied 'within kitchen'. If a fsm tell me stove can't face or sits next to basin, would ask him to go home. Practically, he is saying 心(火) can't be located next to 肾(水). If he tell could me the 'distance' of this between that, would ask him for the formular, then invite him to go home as well. It's all about balance/equilibrium, to what? To body's function, for TCM. To environment-human, for fs. Would appreciate more if fsm could advise thing like to install fume sucker above stove, a proper shortest drainage piping from basin to main drain pipe, and etc. Door is for human entry/exit, who would install 'things' next/around that causes traffic obstruction?

Exercise your imagination/knowledge/experience. Cheap vs good concept. I tend to buy products/services with features that suit my needs. Don't pay 'extra features' that I don't use. I've learnt what is 'value for $'. A single food stall which sell multiple varieties, usually 多而不精, I avoid. Majority chases after 'branded' stuff for hope to become minority. 'value for $'? I buy stock when investors 'dump', keep and give when they want. Important: know what your exactly needs or wants.

Share this with you: 通常人們讓你提出批評指 正時，其實等待的是表揚。

Good. Motivate you to climb mountain, but 記得每一種上坡都會有下坡!

Side track. Portrait u a bigger picture. Investors buy property for rental yield(DY) as well as capital gain (CGY). Much like stocks. Short term (1-5yr) Mid term(5-10yr) Long term (10 and above) Are u able to ride the 'roller coaster' still in 'one piece' at end of journey(actually no end, end only when call home by Lord) Do you asset allocation planning properly. This one school never teach (some finance courses do actually) 1. Cash - cash flow (all the liquid accounts) 2. Estate - property 3. Insurance (home, car, medical, life, inv link......) 4. Education (intangible) - increase yr capacity to earn more! 5. Children/dependent... 6. Investments (business ventures, stock mkt, foreign exchange......) All about cash inflows and cash outflows......

Could he recognise u? before u blah blah, blah? No 'relationship' analysis? No 'wealth-ship' analysis?

There is no such thing as -'best' house loan rate - One size simply can't fit all. House loans' catch varies by each offeror. A 'good loan' 'now' is one with < 2% IR. I predict next q1, IR will climb up to >2%-2.5%. MAS, few wks ago, in a one-year investigation, over ST's front page, mentioned someones intended to manipulate some financial benchmarks - like sibor, sor, etc. Some banks not 'honoured' in short, or don't follow the book. They tried to influence these benchmarks to their advantage - the 'artificial hand', not Adam Smsith's 'invisible hands'..... MAS now wants to be a non-executive director on the Board. Good sight. Car loan was 1.68% to recent's 2.88% after the 50% DP/5 yr instalment - again, it is the work of 'artificial hand', not 'invisible hands'. Forget about the S/D theory. Hendry Ford knew best. Who has power, who calls the shot - determine the rates - take it or leave it. They lead, you follow.

Relevant info here. Setup an account first. http://www.cfainstitute.org/programs/cfaprogram/exams/Pages/index.aspx Unless in finance-related trade, see no points to pursuit II and III. The more I experience, the less I knew. To understand 'finance', one needs to have some b/g of: - accounting - Maths - Statistics - Econ, mac and mic - best with practical experience in equity/stock, debt/loan, forex/currency, derivatives/put/call/forward, etc, - risks/returns/risk-free, cap budgeting/cap structure, etc concepts I've done a project on evaluating the 'worth' of DBS - shareprice, cap structure, financial statements, div growth, etc...

Sharing of knowledge and experience. No speculation. My angmoh not up to par, hope readers appreciate. ‘冲’ concept originates from 阴阳学说。 Later, being incorporated into 五行学说. This concept evolves over time, on various subjects/aspects, not mentioning today's certain creative and innovative FS 说(subjects/topics). '冲' equates to '害' and many other Chinese characters (see bazi book for explanation) but of different intensity. The opposite to '冲' is '通' or 'smooth'. One typical example: Too much 'yang' in girls thus become 'tom boys', too much 'yin' in boys produce 'nians'. This concept develops from observance of natural occurrences, in fact is the foundation stone of FS. Such has its truth and meaning IF interpret and adopt 'correctly' in various situations. It stresses/concerns with 'balance' or 'equilibrium' in a particular situation. Life is like a plate of 'rojak' with many ingredients (occurrence of events) at the same time. Each may supplement or constrain each at various degree without our real awareness of their implications and effects. So, I would say always prepare (plan, action-make things happen) for the worst (from what we know), and hope (do nothing, sit and wait, react later perhaps) for the best. To know the 'know' takes time, patience and most importantly the commitments. We reap what we sow.

多门多通 没门包不通 不通变成空。共勉之。See Ikea, 通 till you blur blur. Look at 'open space' merchandises arrangements... observe and think!