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I feel obliged to express my view. If find 'intrusive', simply ignor. Objectively, a 'to each his own' question. No right no wrong. Only he/she has his/her 'answers'. Each life starts at different starting point(time), different phases different needs, but all comes to same point. Knowledge,skills, experiences contribute to form one's 'understanding to this world'. The boundary of this 'understanding to this world' expands each day, via learning. What he thinks/spokes/writes/behaves is from what he has learnt. 'Monkeys see monkeys do' fits this best. Human behaviour is notoriously unpredictable. Some see and do, move in herding as if like animals, to escape from predators, by instints. They simply see and follow. They have their own-defined 'meaningful'. Some pauses and reasons, ask what, why, what if, why not, etc....They too, have their own 'meaningful'. 'Meaningful' brings joys today and becomes bitter and sorrow tmr. Perhaps, Ah Hui knows this well. Peter Lim and Mr. Ng also know this. Some 'meaningful' resulted in 'bitter' responses from environment, but joys, peace within. They're well aware of what they are doing and for what purposes. Me? Of course, has tasted the various results of 'cause and effect' - parts of laws of nature. I always mention that human behaviour is 'propel' or 'impel' by his emotions. Motives results to emotions. Traps mean to me, 'acts' of against laws of natures. Remember MAE's '...least resistance', I said bingo. I did put personal advise in posts that if one 'REALLY' wants to know about FS, best to start from -天干地支 -Chinese calender -Theory of yin yang - Theory of 五行 - star constellation Took me years and 'pains' to understand each, how they are 'integrated'. Now no more 'pains', I 'enjoy'. Now I can 'zoom in and out'. No more get trapped. No easy to understand indeed. I read all these in chinese text. The Engish translation has lost part of its intended Chinese-text 'meaning'. Bazi? Based upon '天干地支' combinations, incoporate with yy,wuxing,stars(will of heaven).... - 天干地支 basically is a 'numbering system' started in '商'。 - '2 hour' interval system, time moves in a '2-hr' block. No concept of 'mintue', 'seconds'... I found some 'wisdom' there. Hope i've more or less, in one way or another, satisfied yr queries.

Must confess, I took english subject as L2 not L1 in O level. Failed only English in P6 exam. Really a painful and struggling process in language learning le, academic essays all got a 'pass' only. I often searched no 'chim' english vocab in mind, but i believed i could present the arugments in a logical manner, thought my mind always in a 'quite confused' state abt the sentence structures between the E and C. Also must tell you, Renotalk is the only 'forum' i participated and I found 'a job' here. Most of my seniors regard online forumers or blogger are the 'angry' ones to vent anger and their stomach are full with food, and no other better jobs to do. I sort of agree to. You asked me to find 'another meaningful job'? In yr context? Doesn't that equates and constitutes to an 'intrusion' to me? I admitted that I 'intruded' into ppls' business here as if mine, at times, to some extents and in some ways. They are my loved ones so I care and give the 'bitter' views. It is indifferent to your caring me thus providing the 'intrusion', 'pathetic', and 'get a life' wordings. In fact, I appreciated yr views engaged no offensive words. My intent and motive are pure here - to share what i know/experienced in hope ppls don't fall into the 'traps' as i defined. However, the 'wheel remains in their hand'. I'm quite creative in fact, but at most times I 'follow the book' - calling in moderator....is just a procedural rules. If one does no wrongs, nothing to be afraid of, 'threat' doesn't exist. I welcome all policemen to check on me, anytimes. Share with you what i defined as 'business' and 'care'. No moses and red sea but coffee shop. When poor behaviour happens in front of me, it becomes my business. As a decent consumer enjoying meal, the children of next table, run, yell, scream, make a scene..like no body's business in public area. Their business cross into my business. They are impacting into my space. If i remain silence meaning I'm sending them a signal that yelling...are warranted and acceptable. I walked to their adult and politely ask them to exert some control onto kids. They are my loved ones, so i care. I have countless number of such experiences, including car accidents, gang fights. Wait till seeing someone laying on roadside then extend 'the helping hand'? Seeing a girl being raped in front, act as if nothing happens? I don't mind to get whacked, stabbed or killed. Or feel 'sorry' reading news next day..... I dare to conclude: when one shows no love, one speaks and acts 'don't care'. He cares only his business, and often his business get crossed into others' business.

Don't ever believe only via seeing, hearing...and draw conclusions. Assumed u've missed out 'part 1' of this 'soap opera' in which I've explicitly expressed i believed, tasted the effects of FS which drives me into finding out more over the years and make 'contribution' here, whereby you interprete such acts as 'intrusion'. Up to present moment, including your goodself, there reside 3 forumers try to expel me out of this forum due to???. If were to expel, call police in first, let judge does the justice. Allow me tell you, there are forumers pm me for fs advises. I've paid a site visit foc for a poster thus far. Posting video clips causing 'goose pimple' aft hearing called 'intrusion'? I spoke my mind. Circulating bad fs namelist, in fact, renders to acts of soliciting commercial transaction which is against the rules of game of this forum. I advised once and let go, the choice is her-let her be sole responsible. I don't chase her out. I'm aware of my scope of 'duties', besides rights and obligations. Go and find out more abt the '冲' and '和' characteristics for 10天干and 12 地支 and how they are applied onto the 12 animals. You'll agree with me that the only 'He' condition exists is when one staying alone. Bazi, Zhi Wei Dou Su, etc... Strictly speaking, these are non-fs related, these are simply the divination 'technologies' dealing with finding out future. Did I ask them to get a life, please? About the altar, KY, TPK, pineapple, etc posters...did I chase them out? Bro, creativity is one thing, imagination is another, be factual.

6.9 millions by 2030 you know. Now 5.8 mil. (6.9-5.8)/27 , approximate 1yr 40,740, or 1 month 3395, 1 day 113 ppls. Chiong ah!

话出如箭，方要见血才可罢休? I merely taking chance highlighting to forumers here to pay attention to rules of game. Get police(modeator) to do arresting, let judge (administrator/owner)does the verdict. Don't ask forumer to get a life elsewhere, without 'licence'. If don't know say don't know, don't conclude and condemn things which don't know/understand. No one would 'penalise' u. Your words bother & 'intrude' me. I'm a human. All human propel by emotions into action, i always mention. I dare to bet u 'care' otherwise wouldn't put 'care less', 'don't care'......my experience tells me such ppl, saying such words (esp my exboss)have tons of hidden agenda. Just like 'self-centre' ppls love to put at mouth: 'none of my business', 'not my business'. They have no sense of responsibilities to ppls around, or to society. But getting as much as they could from ppls/society. I have one more yr to exit midlife crisis, advise here is don't do boss's job unless being authorised and accepted. U are right, I was once the authorised 'policeman' here to put things in order. Policeman retired liao, young ones take over.

Repeat. We are on the same boat. We are vol workers for the same boss, in cyber org. Be aware that only boss holds firing power. Acting on boss's power without empowerment is called xxxx. Remember i mentioned i would call in the cyber policeman...... Don't ever repeat the error.

风水包罗万有。Everyday we practice FS. Taichi developed from concept of Yin Yang. Beginners learn specific strokes, one by one, till a day he forget the complicated strokes. He blended in all stokes he learned. When situations come, he create own strokes to deal with situations. It is a compliment.

I found a job here to awake what is FS.

Today is Li Chun , the beginning of spring, good for doing anything. Of course, those legal and ethical i mean. Moving house can be done today. 一年之计在于春。一日之计在于晨。In classical FS context, this principle applies to all events. It leaves "room" for corrective action, if there are in the planning and execution. Have been mentioned many times that classical fs stresses the relative position of earth to sun, moon to earth, as well as moon to sun. Why? It has to do with 'heat' which is YANGY in nature. Moon is the Yin in nature. Sun provides energy, moon compensate it. All lives thus grow. Too much Yin in guy turn him into girly. Too much Yang in girl makes she a Tomboy. All events the same, need Yin Yang balance.

Taichi master, i must say. Claimed know nothing about FS, yet sentenced forumer into non-believer class, indeed pathetic. Can one become law judge without knowing laws? All has the answer. He who knows nothing doubt nothing. A query mind with all questions posted mean intrusion? Btw, appreciated yr reply to part 1& 2. Much better than the Queen and King.

Bank is an intermediary in an indirect market. There are many players in such market, so there are many sellers and buyers. Unlike direct market, in usual situation, only one buyer (economic surplus unit) and seller/borrow(economic deficit unit), no intermediary. Stock market is an indirect market. IPO is a direct market in financial context. Take chicken rice stall for example. U see potential in this and lend some $ to owner to run the operation, u become 'chicken rice stall shareholder'. However, after some time, the stall landed in red figure and can't survive. Can u sell yr 'shares' away to recover the $? To who? Probably another owner who is willing/able to take over the.....otherwise, yr $ invested down to drain. This is direct market, or 1st hand market, no middle men in between. BankA who lend u $ has rights to 'sell' yr property to another bankerB(MAS rules)in order to recover $ to pay creditors. Jurisdiction comes in before 'official' windingup of business. U need to pay banker B. Remember Bank A lodged caveat against yr property? It is you who cannot 'run away'.

Typical sydrome of midlife crisis, watch out! Cantanese saying: 讲就天下无敌，做就有心无力. Typical Hokkien love to fire 'canon'. Right medicine to disease always tastes bitter. Good words always becomes 'intrusion'. Men of today prefer to 'add flower on good stuff', escaping 'deliver charcoal in winter'. Love sharing joyful moment with 'kaki', run far far 'kaki' run into sorrow. Queen has not back home, seemed. King no where in sight. '1st & 2nd parts' ended into 'don't care'. I heard only canon sounds. Enjoy.

By 2030, 6.9mil, what does that signal you?

I got cars and planes at home. All are RC 'toys'. 'Eat' away my $$$, time and energy. Keeping, looking, maintaining, playing merely an 'hobby'. Hobby can bring u many 'things', imagination is the limit. No hobby, life would be dull. No excitements, no 'emotions'. Emotion impel men to actions. Actions can make $$$, as well as 'eat' $$$. All depend on yr 'luck', all fsms will tell u this. I can be a fsm liao....

To love someone to whom he loves, no surprise and no sad. Sadness come only when the loved ones no longer exist. To love someone to whom he hates, understand what is love. Life is 'bitter' but happy. Every moment in life is 'once in a lifetime', treasure it.

When wet, clean with used news paper. After sometimes, stains will be gone. He who wash car should know this.

We study maths right? It reveals relationship/correlationship and 'weight' between this and that, Y is a function of 1A+2Bx3C.... Same in life, there are countless 'A,B,C...' or, I call 'elements' that influence each of different amplitude, further more these are very dynamic, non static, that result in any specific 'end result'. Football match is not played by one man running, all participants 'run' at the same time as they deem fit(reactions to others' actions)! 12 animal signs facilitate one's memberance of others' 'age', but too little and simplied as 'elements' to result in and any specific 'end result' in life! How I wish whole universe consists only these 12 elements, which could make my life more simple and predictable, but I'm sure life would be very unexciting, then. Zodiac with 10 Gan and 12 Zi are simply man-made 'rules of game' with pre-defined 'meanings'. This game has been on and on for thousand years, and if we apply such 'rules of game' into real life with countless dynamic 'elements', what would one get eventually?

Ginko good for brain function leh. I think she ate too much, brain got poison liao. Seem she doesn't aware of TeoChew food culture during cny. Ask her to advise not to eat mandarin orange and give/receive no angbao, see what'll happen to her.

Equate to 'no choice' situation yet need to pick a 'left over'(no body wants) choice. Principle is evaluate pool of choices 'before hand' and chop your best choice before being pushed to a corner. Look at parents choose good school for children. Don't let 'nature takes its course' till late minute.

Lol, don't know meh? What if pick one from good list and tasted bad? Should add 'disclaim' clause in good list? Who does such to spoil own name? Receiving such is indifferent from receiving all under BAD list, then pick one and try yr 'luck' lor.

What a joke! That applies probably to ah long, wait long long.

Nowaday's residential developers proved 'fs' theory of importance of location of stove/hood/sink.... wrong! Kitchen at centre of hall, no door or partially doored. Say bye bye to CO2, no burning flame, only induction cooker, microwave, pressured cooker, 'heat reflective conseal' cooker.... New fs theories will emerge.

Not that u don't know, all of us apply it, lies whether consciously or unconsciously.

Bingo! "path of least resistance", objectives of true FS. Luck? FS doesn't "absolutely assure"....., but "resonably assure".....

Have to thanks to technology, especially telecommunications that make markets to work in an efficient way, meaning everybody can access to and receive the same infomation for decision making, and therefore whenever there is a small "gap", it would be filled up immediately. One has to be fast hand and fast leg to "grasp, make, then run", later come back to make same actions again. Back to yr questions: - Fundamentally in different. But think of the "convenience" of cheque deposit facility, atm, branch, service, online transaction, etc. Sure the "foreign" bank lose out to local ones. - So, to be on "competitive edge" to counter these disadvantages, these foreign banks always have to come out "some patterns" to woo customers for own survival(mortgage loan)= lower interest rate or some kind of rebate, gift, discount.... - Forget not that Singapore Central banking regulatory board (MAS) has duties to ensure banking licenses being granted to "sound" foreign banks, however, it doesn't guaranteed consumers of these banks to be 100% risk free. In other words, in chaotic economic time, these banks can "run" away easier than the local ones. - Generally, foreign banks take a more "daring" approach in granting mortgage loans. Local ones are more "reserved", they prefer to have less default payment cases.