bepgof

A good choice in life. Having a roof can never go wrong, in singapore. Worry not on facings/directions. Plan more meeting financial needs/wants.

Timed interest rates looked to be the "best" among other major currencies. http://www.uob.com.sg/personal/deposits/fixed/foreign_currency_fd.html But, conversion rate is at its highest, back all the way to 1999. http://sg.finance.yahoo.com/echarts?s=AUDSGD%3DX#symbol=;range=my;compare=;indicator=volume;charttype=area;crosshair=on;ohlcvalues=0;logscale=off;source=undefined; Gain = interest rate yield + conversion yield. In this case, I do not suggest to convert SGD to AUS just to earn that 2.82%/6 mnth timed, or 2.6%/3 mn timed. Too high the risk. Anyway market rules say high risk high return. CAPM rules say "diversify yr investments" to minimise risks. I would suggest u to park yr $ into "uob emerging markets bond fund", got MONTHLY ~ 5% payout. But upfront to "loss" some for high admin charge, worth for "long term" say 3yrs. I just did that a couples of mnths ago. Not my $, wife's $

Spotted 2 Tai Chi masters practising same stroke, humming the same tune. Good at fleeing and siaming. 1. Tai Chi Queen said L box shouldn't be considered a beamzzzz. Snappy asks WHY, can explain?. Queen flees fast and far as she could. 2. Tai Chi King said "don't bring psychology into feng shui". Being counter asked "Explain us WHY don't". King siam all the way. My arugments are always established with proof, I would "showhand" for what & why I said, only after the King & Queen answer the queries arouse from what they have pen down.

I learn tai chi. I never have paranomal view. I froggy in the well. ok lah monkey see monkey do no wrong. My circle quite small. I reaching andropause. Now then know u know me so well , feel like crying. Can borrow your shoulder?

The sun rises and the sun sets, and hurries back to where it rises. The wind blows to the south and turns to the north, round and round it goes, ever returning on its course. The eye never has enough of seeing, nor the ear its fill of hearing. What has been will be again, what has been done will be done again, the is nothing new under the sun. "Feng" comes and goes, and comes again. "Shui" from streams to sea, yet sea never full. Only FS "black belt" holder can say and understand abv.

Are you trying to imply that Bazi methodology is dyfunctioning when applying to 2 or more ppl who born at same place, year, month, date and time? Mankind has been on this poor planet for so long, and their fates have been constantly "challenged" and subjected to the very dynamic yet unpredictable environmental, social, political and technological changes. Some has learned while some not. To survive within such dynamic settings, one needs to know(through learning, not "monkeys hear monkeys say" type)and apply skills(take time to perfect, not "monkeys see monkeys do" kind )to predict and master things in a more "controllable" way, so one can MAKE THINGS HAPPENED, to his favour. Being trained is one thing, ABLE and WILLING to apply what have been trained is another. Different ppls have different rate of learning and applying. Why I so lorsoh keep repeating all these SIMPLE rules? Perhaps ppls these days like complicated stuff so they can be viewed as "complicated" by others. Can't master the simple how to handle the complex ones?

LKY said FS is "rubbish". That was the basic yet fundamental reason that I asked u which whom u know in IRAS, got fs done on IRAS building, and which fsm was invited. Bear in mind this, u challenged and questioned my "fs knowledge" in this issue first. http://www.renotalk.com/forum/index.php?showuser=22268 If you DON'T KNOW, WHY mentioned it in the post? Isn't this slapping own face! Don't anyhow "money hear monkey say" and pluck figures from the air, these invite troubles, for sure. Look at Dr Chee and JBJ. Tip #1. To substantial an arugment, besides stylish and convincing writing, most important is able to provide authoritative evidence, not "monkey news", remember. Tip #2. Hero dies first and fast. Tip #3, If for committed reasons and die first or fast, I won't mind.

Explain us WHY don't.

Power, control, conflict, everywhere as long as there is human.

Another Peter Lim & Mr.Ng, or Npark cyclist fan? I challenge you to tell forumers here WHO decided, acted and spent public $$ on IRAS building FS matter? WHO are the FSM. You know WHY the 7 wonders of S'pore are designed in this way? Do not "monkey hear monkey say", no benifit to all.

Your "head" still "within the box".

bepgof says, if u think it is bad, then it is bad. If u think it is ok, then it is ok.

Let imagination runs wild. Any thing abv head is "beam". Drop, press.....

Simply anything abv hd is "beam", can drop dn, can "press" u.Haha

We are all bankers - we lend our $ to gov in cpf's OA, SA, MS to earn the respective 2.5%, 4%, and 4% with strings attached. We lend our $ to banks in whatever accts. We lend our $ to public listed companies in form of stocks, etc. We are also borrowers - in all sorts of "loans". To enjoy the "fruit" now while paying with interest. It is a capital structure issue and identification of what depreciate/appreciate in value over time. When interest up we lend, when interest down we borrow. "Talk" very easy. Practising this principle takes time to perfect skills, involve risks. I, sincerely speaking over all these years, now very tire to monitor & control the up/down, in/out.

At times, ppls scare "to lose out", " being left behind", "lose face", "not to conform to social norms", "cannot beat them join them",.......etc, ultimately driving ppls to follow the behaviour of "money see money do", " you queue I queue", "u park like that i also park like that". Some of these applicable to u?

Feel shiok name being cited. Thank you.

Mankind has feeling or emotional, thus comes "AFFECT DISPLAY" - the result of a respond to a stimuli. Different ppls response differently to the same stimuli, subject to upbringing, values, social domain, culture....etc. I firmly believed in affect display, as well as placebo effect. I'm not a certified psychologist, and i "stereotype" ppls based on their responds to a given stimuli, no more no less. Notably, my stereotyping skill get more perfect as time goes by, hehe. "Psychological effects" has something to do with one's mind/emotion. I've purposely asked 3 ladies whom I know: why you wear high heel. They all answered: wear high heal gives them "confidence". When one does thing with high level of "confidence" it tends to be more "successful". Same principle applies for today's so called "fs"- by putting coins, water, stone,cock, dragon etc here and there, the owners "feel" "confident" and "chiong" into the "battle fields" of real life. Results? My experience tell "confidence" can last "a while", and is "situational", real "competence" is the one which get the job done or deal closed. 明没？

Grounds? CPI? GDP? unemployment rate?... Journalist's name & ID? Any disclaimer clause at "end of news"? - may dip 10 yrs from now? Any time from now? - CCR?RCR?OCR? - Journalist's PERSONAL view? - Citate any authoritarian reports/figures? At times hor, these ppls as if the blinds touching elephant and make conclusions...

Mankind(bear in mind, not machine hor)attached their learned culture, values, experiences, knowledge...onto "things/event" they encountered. Interpret and act upon it. Mr. A says his fsm is good, cos he experienced it. Does his experience hold true "across the board"? When Mr. B had bad experience with the same fsm, and commented BAD on this fsm, what would Mr.A's respond be? Why the "apple"(fsm) become so different to 2 of them?Then where/how should WE look at this "apple" and interpret to the world?

Pls compare 2 mortgage loans, each amount at , say $800k, interest rate at 2%, one at 30yr tenure, another at 50yr tenure. Compute the monthly instalment payment for each, u will know what i mean. Remember car loan tenure at 7yr, then increased to 10yr? Effects? Chiong ah! Present ppls really look at "present", not "future".

Let us be symbolic rather than modern, at times. That is why women are more happier than men, at most times. To each who speak their own language and understanding, let he/she attached his/her values and interpret things he/she views, whether merely personal sharing or armed with an intent to promote. Should always welcome newbird to the nest, isn't. Feel better now?

Allow me to be lorso again. Believe limited forumers here able to give u satistactory "answer", only some high or low "opinions" which reflect where they stand on this subject. There is no answer to this question if an individidual is a symbolic interpretivism who is directly involved in the process. They give MEANING and order to their experience within specific contexts, through interpretive and symbolic acts, forms and processes. A modernist will tell you: "could be", however, more research need to be done. They need "solid" and consistent data over the same event b4 they say yes. A postmodernism would probably ask you: Who has the right to ask or answer this question?(The created has no right to "ask" the creator?, 100% submissive?) Our earth staying with humans holding this three major different perspectives. Now come right to yr..... BECAUSE we are humans, the reaction/behaviour performance over the same issue always DIFFERENT depending on TOO MANY FACTORS, and most importantly they (humans) don't react rationally because they posses "emotion", or "mental", or "spiritual". My stand on this is: - possibly, depend on "who". Usually one with less knowledge of real world and with weak meantal, get this "result". - This is not fs, it is psych...to be more accurate.

Hi Avidmomey80, I've done some homework for u, chiong to UOB's newly launch 50 yr mortgage loan package, monthly instalment very very "affordable". Many will grab cherries by the "affordability" theory, go get one b4 stock run out!. Remember to us how UOB sets the maximum age.

If buy a house at 21, 71yr "finish" the loan. 1. CPF - 50yo, contribution down. - 55yo onwards, can't use cpf to buy pty. Pay cash for another 16 yrs. No retirement liao - Meaning, if you buy pty "late", can't use cpf toward loan payment become "fast". "Existing" rules as to max mortgage loan tenure "allowed". HDB = 65-existing age Banks = 70-existing age for Joint tenancy, "younger" applicant's age applies. 2. In line with gov's "affordability" theory/arugment? 3. Sure attract the youngs, sure price up or at least maintained. Sure bubble.