bepgof

My advise, don't repeat the path i went throught some 20 yrs ago. Singapore is a knowledge economic, study comes first, forget abt the "new house". Work, study, save $. He'll get a bigger and nicer house in return.

Wife prefers "secured" type of financial committments: fd, endorsement, fixed int rate mortgage loan, to her everything "should be" measurable, managable, controllable kind of philosophy, lesser returns never mind, pay more also never mind, important think is "risk factor", as we are living in a world with vast of uncertainties whereby Feng Shiu strategies offered by fsms, at most times, are inappropriate, without taking details into consideration. Fire always start from small. I prefer to demonstrate what I've learned(competency), whether knowledge or skills, then apply them to "test water" to see if these really work. Learn, try, result and repeat till a day i feel "tire". I don't believe in so called "luck" component in life. Bro, signs of tireness have surfaced on me. No one is a losser or winner till end of journey. Apply what I know is the most enjoyable parts in the processes, thus far. Look at "big picture" first then "zoom in" and "zoom out" make possible. Remind me of TaiJi originator, first learn "strokes" and "patterns", then practice and practice and blend them in all together in mind , till a day there be "no strokes and no patterns" in mind, then it is time to go downhill to help the general public. Fixed, variable, sor, sibor, prime, tenure, outstanding amount, earning power, terms and conditions, etc are "strokes and patterns", be able to back to basic, after all these "wars", can then be conferred as "master". You already have the "stroke" in mind to counteract the uncertainty, why still ask?

Each has different risk-aversion appetites, meaning each "investor" take on the relationship between "risk", "return", "peace of mind" in different "weight",..., that is why got this efficient frontier curve vs investor utility curve. Like u have $100 to put into 3 investment portfolios: $10:$20:$70, or $50:$40:$10, or $20:$20:$60, etc... - Federal Reserve has committed till 2015 with "low interest" - Banks "switch off tap" when in meltdown - The west has "chiong" to the East - Now is the time for east to go "on stage" and do the performance to the world audience. - With all these, meaning, "we" are pretty "sound" and "safe" in term of global econ performance. So?

Buy TOTO is more neo-liberal and "wealth" feasible and consideration.

Have experienced 3 renos, so far, 4th one will be in end 2013 or mid 2014. First time very excited, buy this and buy that, ask here and ask there, do this and do that, almost everything DIYs, cut cost mah, still young, energetic but no much cash. Second round, pocket got $ liao, "empowered" ID to designs with "my innovative ideas" input and "material specifications", insisted to see drawings with color, sense of achievement and satifaction achieved. Third round, wow, lazy liao, no second thought, engaged same ID. Again my ideas, my specifications, but no need drawings liao. 8 pilers distributed around hall/dining area, "48" inch sliding kitchen dr, "big" mirror next to dinning table. Customised 8ft full teak console from indonesia, full granite (rms, hall,kitchen), 8-seater dining table with super "tokong" legs - soup won't spill off if hit table accidentally. All tables covered with glass...., very tired. Now prefer everything back to simple, any table any chairs, rms no drs also can, no aircon only portable electric fan, no king size bed only "portable" "dunlop"....why like this, anyone can "explain"?.

Limited supply? Increasing population? What would happen once the "panic" button is press? 5.8mil liao. LHL said sing can take on 6 mil. GDP very high hor, but, who are contributing to it?. The 3.2 mil singaporeans or the 2.6 mil non-singaporean? Don't forget: half of 3.2 mil are children and women non-working + old ages. The real "ratio" is 1.6 WORKING Singaporeans vs 2.6 WORKING non-singaporean. Property is non-liquid, humans are very mobile. Experienced Teochew old men says "那里凉，那里坐"，those europe and american angmohs are here and more to come to share with you the "shaded seat", watch out hor. Look at BTOs, EC, DBSS (left a few), condos(99 +fh), soho.....everywhere being built, in singapore I see until i so scare. You see the mrt works, digging everywhere, everyday. What'll happen NEXT?

Dare to dream big is the first step, always. No dreams no actions. But, carpenter's experience tell us: "measure twice, cut once". I think i've measured too many rounds and dare not to "cut", half dream half awake.

Personal comments. He found his "heart". His wife can rest in peace liao. Once 1st appointment settled, transaction "confirmed". Even seller or buyer pass away prior 2nd appointment. Keep in mind:"Heartless" worsts than "Homeless". House audit usually lands to "no where", as time progresses, but only conflicts. Similar to bz reading, "good ones" makes one sticking out neck, "wait" to appear, "bad ones" drags one for life. This is I called "backside itchy". Observe, understand and apply rules, would blend one naturally into life. Control things within yr influence circle, meanwhile expand this circle.

An eye for an eye makes the whole worlde blind.

They have "guns" and "guts", but possess no crystal ball nor magical powers, as simple as that. Same to politicians. Public gives/empowers them "POWER". To me(pls not against fs nor bz), Bazhi is like "义合团"'s so called "气功" - proclaimed against all forces of penetration, however, once the "bullet" shoots - people become salted fish - result shown. Any way, many refused to acknowledge the result and insisted "气功" does its job. I always said "simple doesn't mean easy", to really "understand" one thing, takes time.

Another way of modern explanation: Public figure must have "same images" in public and private. Media very interest to "dig" these figures' images(behavioural performance)under different social conditions, to boost the readership. Once differences found, declared salted fish. This is dog-bite-dog cycle, never end till world ends.

Experts kill birds with one stone. Romney/Obama/Ah Jack/those salted fishes get killed by one stone. Ah Jack acted "in public" decently, "in private"-within his hybrid mpv...u know i know and everybody know, and became "salted fish". Ah hui's "private" now u know i know everybody know...another salted fish liao, may be.

M & A, join pieces to whole then sell and buy pieces again... Beware cash flow, interest rate, exchange rate, good/bad news, ms rule, age. We're approaching 6 million "head count" liao. Remember Steve Jobs's right hand rule: " be hunger back to beginning".

In Singapore context, if within control, best avoid b4 cny and prior lunar 8th month. Higher demand for works. Most renovators are malaysians. Most Chinese avoid reno during lunar 7th months, give owners upperhand negotiating price...if they don't mind the "good brothers". Avoid typical pri/sec school holiday periods, higher demand for reno works.

Be factual that human bodies died everywhere, every corners on this planet, for whatsoever "reasons". Space/place/human overlap, time different. Same place, same spot, different bodies died, and the forth coming will be the same. Thousand, hundred, ten, one yrs ago or "down the road " in future, same thing repeats - as sure as the sun will rise from the east tmr. Hospital beds,OT, prison execution rm- just typical exmples. Look at Bishan, now is a residential "hot potato", previously? Upper Changi? Present's Casa Merah condo? Where all the "dead" ppl lived. So? Everyday, your foots stepped over the places where the "dead" bodies had laid before, it is just that "you don't know". "Don't know" equates to no such thing has had happened? Try erase the "known" becoming "don't know" make life earlier. Closed your eye, talk to her you intend to "forget" her, ask for her excuse.

Good question, commoners don't aware. Even the so called feng shui expert also not aware, but it is part of fs. If the "reference" point of house is to sun, then it "changes" , say from march Equinox to Sept Equinox will be 0 deg. From March equinox to July 7 will be 11.25 deg, from July 7 to ~ 23 sept will be another 11.25 deg. Please read the 24 jieqi, you will understand.

Peter Lim & Mr. Ng?

Really need the fan for "private consumption"? How many ppls use the tiolet, 24 hr a day? I can understand those coffee shop tiolet, too many users...so need fan, but own home ??? consume electricity to burn pocket a hole?

Almost no one believed this: My washing m/c is not for washing, for spin dry cloth only. MIL & wife insisted hand wash, sigh, still living in 1960...before wask, must soak overnight. They believe in sunlight, instead of wind. Each time going out, all bamboos "in", reach home, bamboos "out" again. In raining days, bamboos everywhere, sigh. Ask them to get electric dryer, they say not environmental friendly, consume electricity, got smell..tabolah tahan them. Anyway, they are the ones dealing with the "job", let them be. If for me, i sure get dryer. Need not to depend on sun's face. Anytime can make them dry-easy and convenient. Good for working couplers.

Anyway, can someone enlighten me how to differentiate/classify "fs paintings" and "non-fs paintings"?

AVA gives licence to allow owners to have pets. MC has rights to issue bylaw, if majority vote not to....this constitutes to "rules". Damocles merely "thinks"...., for sure, to me, you attached your personal values with experience perceived that Damocles "blaming cats and dogs". Did he/she "blame"?

Apply carpenter rule in life: Measure twice cut once.

FSMs give advises like doctors prescribing medicine. Take or not EVENTUALLY go to owners.. Everybody has his own "PROBLEMS", fsms spare NONE. Fsms like ah hui knows well the POWER of public media, can BUILD also can DESTROY.. In asian societies, when a "well known figure" get involved with "multiple women" and get published in front page - his "LUCK/STAR" down with him liao. Remember I've commented before in the "Dakota fs" thread before? His mee mee eyes, do fs audit at night...His secretary fix appt for him.... Anyway, there are chances for him to turn the "SALTY FISH" to an "ALIVE FISH". Observe his "SKILLS". The woman with her name in the house, looked not in a "favourable position". A bold anticipation, he would keep low profile for "a while" = No CNY "forecasting" in the papers in the forthcoming. Men are forgetful, but not for women. History repeats itelf. Emotions impel men/women to actions.

Hi back again. I hold no crystal ball, not God's messager, don't play magic..... The mining export model is the main weak pt for Aust, luckily has China to "suck". Aust central bank does good job, don't worry.