bepgof

Emotion(through hearing) impels men to action. - Wind too strong, find shelter. - Feel too cold, burn fire. - Hunger urges hunting/cooking. Shelter, fire, hunting/cooking impel men into different emotions. Different emotion brings different actions. Cycle repeats. To fit into environment or make environment to "fit human as to what has been "heard"", which sounds wiser? Culture controls our lives.

Do right things right. - accumulate 5%+15%+3%+reno FIRST.

Perhaps in China. Chinese cultures promote "all in one" package.

It is human who make things happen. Objects are just only a tool to human. Tool aids to process thing faster, if use wrongly otherwise. So it all depend on how one "use" the tool. A is tool, B is human.

Pendant light the cause or "human heart" the cause? MCQ, A or B?

1st day- new moon (see no moon) - good for catching fish. 14th day- full moon (moon round and bright) - catch no fish, make baby better. last day- new moon again. What bothers u?, chinese culture pressure?

Quite detailed elaboration except the bazi portion. Core teaching: everything "originates" from "heart" and consequences are "reactions" dependent. True enough. Similar to 90%/10% rule of steven covey. FS related meh? May be HDI related. You know HDI, mean yr of school, gross national income per capita....Why singaporeans not happy, Bhutaneses very happy? On HDI: Bhutan score 0.522, Singapore 0.866 On mean yr of school: Bhutan 2.3yr, singapore 8.8yr They take 2.3 yr to go to school and become monks!LOL

Each has different appetite for risk, life-style choice, etc. These result in different patterns on spending. Good concept on investment is putting $ into those assets that appreciate in value over time, like property, stock, gold, bonds, etc. Those assets that depreciate in value over time - try minimise it. Own them based on "needs", not "wants". Example, car, keeping pets,... Financial leverage( debt vs earning power), assets allocation concepts are important too. - once start work, save for that 20% downpayment for property, reno, get wed with the loved one as 1st phase. - Kid, car, insurance, etc come 2nd phase. - Save for kid's future education fee, learn & look for investment opportunities (stock, part-time job, property. - upgrade self earning capacity.... - Old age, poor health, leave whatever u've earned to your "loved ones" and return your body to dust. - All these, a chasing after wind under the sun. Some contended to - "enjoy first", pay later mentality - "no kid, keeping pet" policy - remain single and enjoy "one night stand" till a day can't stand. - Work like cow and no enjoyment So, I can't suggest u anything, can only "explain" to u. Simply decision is on your hand. However, bear this truth in mind: Sow a thought and you reap an action Sow an act and you reap a habit Sow a habit and you reap a character Sow a character and you reap a destiny

"one-stop" service is always better than "multiple-stop" service, especially when u're an "outsider" to the trade. 2 golden rules applies: - No free lunch. - Price = MOL. M-material O-Overhead L-Labour Bigger firms, higher O & L Smaller firms, everything low, provided u're an "insider". To be "insider", takes time, no quick fix. Enjoy your process.

Mathematically, HDB resale price follows the ideology of y= mx + c Where y=resale price, from HDB database mx= valuation m = multiplier effect/factor = location,amenity, urban, matured..... x = psf+ fl height+ fs+....all the human subjective factors c=constant=COV c=y-mx = COV You can create a spreadsheet with abv variable input selection tables, u can find the c, within a few clicks.

Fall nicely into the mentioned "prematured conclusion" species. Selective reading, thinking and commenting. I'm here to stay, to stand and to fight for feng shui.

http://www.renotalk.com/forum/index.php?showtopic=51236&view=findpost&p=736926 I shall wait for Q's return, my words valid. All things men done under the sun, just a chasing after the wind. Come from dust will return to dust. Take care, bye bye.

My intentions explicitly expressed. Bye bye!, gd luck to u in all tin u do. http://www.renotalk.com/forum/index.php?showtopic=51277&view=findpost&p=737970

Bye bye!

Perhaps FS masters need to further study, understand the implications of - business ethics - Corporate Social Responsibility, in short CSR and act accordingly before too late. FS consumers (buying products & services) should be aware of their consumption rights - demand certain form and degree of assurance and warranty, similar to situations whereby consumers suffer bodily damage and medical expenses due to consuming some "unwanted extra" things through channel of LICENSED finished-food sellers. No license, no control, no claim is legally recognised and possible - "roadsides stalls", now understand WHAT I'm referring to? For those liciensed one, wise to visit the front(restaurant) and the back (kitchen) before any consumption is made, particularly FS. The queen by now, should know why so many fs enthusiasts wanted to visit the "front" and the "back"..... Perfectly nothing wrong holding deconstructionism views on "things". Yr reaction indicated that u simply don't understand the philosophy jargon, why jump to conclusions? Let forum Adminstrators, like "therat", "forgotten", etc judge and do the policing job as they have agreed to with owners of this forum of administrators' roles. FYI, they can warn, re-route, delete postings or block users as they deem fit. Shall I invite forum policemen to look into your postings?

Different wave length. Check dict - deconstructionist, decondtructionism, postmodernism.

These days' "knowledgeable ppl" take complicated behaviour and speaking as camouflage to being looked "cool"(knowledgeable)hoping that others can't see their "true color". To me, these ppls have completely no "color" at all. Pardon me for english is not my 1st language, so i can use only simple english to explain simple things. To christians, God created the universe, and the notion of FS is part of the universe, it is like a sub-set, from perspective of modernist. So, ANYTHING WRONG ABT BEING A CHRISTIAN TALKS ABT FS HERE? PROVE ME WRONG, pls. Allow me bringing u back to the then 东汉's "堪舆术" which is the present's so called FENG SHUI(风水). The very first aavailable bk talk abt fs was 郭璞's（AD 279～324）《葬经》. The definitions of feng shui stated there. In narrow sense, the definitions seem applicable to residential-related ONLY, that was why i commented the queen's "mind still in the box". In broader sense, it refers fs as "避风聚水", what does this mean? It simply means to "avoid the inauspicious and gether the auspicious". It mentions the law of natures and connotation of "qi". The importance of qi (symbolic, intangible)to grow the auspicious. Lau Di, fs covers many aspects. Try look at it from modernism, symbolic interpretivism, postmodernism, and critical perspectives . The more the auspicious things gethered, and the more inauspicious things avoidance, will make an individual/entity/org from From poor to rich - in finance, health, human-relationship, survival, growth, competition strength, so on and so fourth. The question is "HOW" - this is where and why all the different schools of fs come abt to argue that "I am right" as to making "poor to rich". - putting crystal/stone/water f...here & there can definitely create some positive "strength" to some, but not all. Can we therefore conclude this is no good? One thing i'm sure, there is NO definite ANSWER. - Avoiding "something"(say door facing north-west) that most commoners perceived "no good", and through such intended avoidances, can really help making poor to rich?. Or would through changing perceptions of "no good" to "neutral" be a better way? - Or shouldn't we study the relationship of risks(inausp) & return(ausp) before making an investment? Or simply putting coins here & there and through "HOPING", things turn "auspicious" AUTOMATICALLY? Or u prefer doing some calculation, analysis and action? Lau Di, we are 不打不相识。 Hope now u've better understanding of my "color", before making incorrect yet conclusive statements.

Download this and read.http://ishare.iask.sina.com.cn/f/23109227.html Then show us your "hand". If u're influential and heavy enough, ask/beg/invite- via yr whatever possible ways get the queen to show hand. I'm a man of my words. Siam - is bad choice in life!

Bingo!

Abt 4 yrs ago at car agency buying car, salesman was amazed with my "home work". He kept pressing calculator, I simply took out a sht with all the possible combination of loan amount vs int rate vs monthly payment. He was shocked.

Felt my effort wasted liao. 5.74% is for RHB bank, not Maybank. Maybank's 2.98% is the "norminal rate p.a"- they NEVER mention the compounding interval(show front of restaurant, must go to kitchen and take a look!)The effective interest rate is 6.24%.http://info.maybank2u.com.sg/site_functions/rates_lending.aspx#renovation Flat computation, 6.24% eff p.a, $30k, 5yr. Monthly payment is $656.00. Notice they use the phrase "in advance"? Don't believe? Ask her again to put down black & white, make sure no "fine-print" or hidden clauses here & there.

This is one of the best fs forum. Welcome all queries. Ask yourself this, why founder (SFSC)bother spending resources to have a systematic organised structure to impart fs awareness/knowledge?. He definitely "more difficult" to run away. "Road side" fs stalls/entities most frequently playing "hide & seek" game. No obligation, no liability and therefore no responsibility. You like this kind of "service"?. No doubts at time roadside stall foods taste better than those of restaurants', but can't claim compensation in case of stomach upset. So u like RS stall food? or Restaurant food? Remember to peep at kitchens of those restaurants, it help u to assess. The deconstructionist may response to above.

Typical deconstructionist with postmodernism view, no construction at all.

Risk is on conversion, interest rate different as compared to sgd = "sure earned"? Unless u can "spare" those amount till the conversion rate up to your favour. In today's volatile mkt, 5% for 1yr? wait long long 4% possible but for 1month then down to 3% for another month, you like this sort or "roller coaster". Suddenly the mining export reduced (very likely), immigration policy change(work 2 yr become citizen). Personally I don't feel comfortable with AUS now, "many rooms" to head south. Anyway, Euro-zone confirmed insolvency liao, noone want to do business(invest) there now, all siamm as far as they could. Companies and gov debts coupon rates up -uob emerging mkt bond fund, i already studies the past 5yrs trend 5%-6% return, notably monthly payout.

No such thing as "average" reno cost - the variances are simply too wide, different ppls having different appetite, unless u narrow down some parameters further aact to gender, demographic, age range, income range, district, age of property, psf, discount factors for value of money over the years... wow so many. Pls read note 5-"illustrative purpose only", meaning agar agar, not accurate. Why bank doesn't want to provide "actual" because the "actual" is too urgly, the "rubber" phrase - "illustrative purpose" "allows" bank to publish much lower figures and make it big big to attract client, then come with a small small footnotes...... Let me work out the "actual" figure for you. Effective interest rate is the "yearly" compunded rate. "Nominal rate" can be 3-monthly,6-monthly, or daily compounded! Nominal rate also express as % pa which is very super misleading in finance! Based on 5.74% effective rate, 5 yr, flat rate package (same as car loan calculation), $30,000. Monthly instalment is $643.5 (NOT $571)for 60 instalments!Total interest payable is $8,610 spread over 5 years. Don't forget money has future value. The monthly rest package is very similar to mortgage loan payment calculation, in short called PMT, based on 5yr, $30,000, efr=5.74%, monthly payment is $576.36. In corporate finance, there is a topic call "cost of capital structures" - meaning to find out the COSTS of raise $ via share issuing, or to borrow from banks, or through debt issue....For personal finance management, i teach u a concept, call "cost of borrowing/lending" Remember 1. Paying $8610 over 5yr = paying $1722/yrly=$143.5 mnthly. Remember 2. If put $30k into bank to earn, say 2% efr, $600/yrly, $50/mnthly So, if u take up the loan and put yr $ into bank: You will be paying interest difference of 143.5-50=$93.5/monthly for NOTHING for 60 months. Use that $30K u have! Apply golder rule of - "bite the bullet and tighten the belt" and save save save - I'm sure nothing will go wrong - a good choice in life!. Notion play hard and party hard - bad taste in life - expect someone to take care of you later on?