bepgof

1. Legs best point toward either N or S. Once you understand how the earth self revolves and the centrifugal force, you will appreciate what I write here. No aircon or fan blow directly toward centre of foot and head. 2. Today is 11/9, it is between 白露 and 秋分, September Equinox (Sep22/23) is just round the corner = day length=night length. During "Equinox" in March & Sept there is no "tilting" of the sunlight, so no compensation is needed. Look at the morning sun as your EAST. 3. Ask a TCM to explain the 五行，in stead of a fsm. Will be quite different. 4. My present work bench hung with shelves/cabinet on top. 5. Go & read the sec 1 text book on light's effect on objects. Understand what are primary colors. A white object under "warm light" will be looked in our naked eye as "yellowish". Whatever objects' true color under the "white light" will remain to be looked in their "true color". So , over my whole house I insisted only "white light" thought it looks "hard" while those "yellowish" light looks "soft" & "cosy", but no good for reading in long term.

Decided to bend the principle slightly and put the "face" down, why? Realised i'm really "behind time" after getting a personal android smartphone last mnth. Has been using the co's "dumb" mobile handset for 11 yrs or so. After some study, decided to get Samsung galaxy S2 instead of BlackBerry, Iphone4, or Nokia, because of the OS. If you pay attention to the developement, you will know why. Lengthy words, not to discuss here. Really, the handset makes everything "on the go" - no go, will be left behind. After re-read the "Who moved my cheese?" by Spencer Johnson like a lightning strike me -has to make some changes to life. Believed, the young working professional know what I meant. Will be back to school(SIMGE) again next January, 2 yr part time. Submitted application & all docs liao. Expected to be the "oldest" student in the class, just to fulfill a dream I have some 18 yrs ago. Perceived have climbed to almost top of the coporate ladder, have wife, 2 children aged 16 & 14, have car, has one fully redeemed 5rm, and one FH condo under construction, what else I "want"? Now jogging/chinup/push up/situp hard, hope to reduce at least 1 inch "fat" at waist when school starts. Also, will take up an archery course soon, to shape the mind to stay determined & focused. Wish me all the best lah! I boh paiseh! I shall declare I'm back!

Put my "face" down, I'm back again. Yap, u need a lawyer to interact in between HDB & yr bank. Remember lawyer'll talk to lawyers only. Yr lawyer will inform you how much to pay the bank as at the day of 2nd appt. Whether doing full redeemption or selling house while still on loan, the legal fee is approx SGD650 for 5rm HDB flat, clear?.

Tokong. When ppl reach "sun set" stage when about to lose its shine, many "morning sun" and " noon sun" stages ppls will come and "corner them to a corner". History repeats itself without fail. Sad story.

Big "build in" areas have small $psf values. Small "build in" areas have high $psf value. Their correlationship is a like a left-hand-side portion of a hyperbolic cosine curve. Y-axis being "build in". X-axis being "$psf". It is not a tangent +45 degree curve. Chiam hor?

Feel like crying. Personally, have taken 1 hdb loan and 3 bankloans. Now still servicing 2 bankloans. 1st sept 2011 will "finish" 1 loan and remain 1 loan. So, agar agar know how this credit facility works, still learning. Actually, have a few insurance/endo related "loans", need to pay $$$ every month and some yearly. Frankly speaking, I've lost count as to what is what & which is which and how much. Don't know anyone of you got this "encounter" or I'm abnormal? Today's FS has become "rojak". I'll write as many as I can today. Not now, may be tonight.

A cause will bring abt some effects, this is life. Today, 15th July 2011, my last day here, but not "doom" day. I also no experience setting up forum le, can make $$ or not? I already have too many hobbies which "waste" money & time as my wife claimed. So, have been trying zooming in those areas which generate revenue (money face). A search of KDK ceiling fan in 2009 has bought me to this forum. You still hold my personal email right? bepgof@starhub.net.sg this email account has been with me since 2006.

http://www.renotalk.com/forum/index.php?showtopic=42263&view=findpost&p=654355 I've set today as my last day in this forum. Will miss you all.

You also observe this yuh? This indicates you are no longer young. Organisation Behaviour study suggests that when one gets older, more "resistance to change" will develop. That's what ppls say " cannot teach old dogs new tricks". But management so far seems does not suggest either stomach too full or too empty will bring abt "change". Only those too full like to come out with "funny ideas" to make them looked busy, those too empty stomach sincerely & eagerly like to change to better? like street protest? So many SA or "shoeboxes" suddenly, don't know out of ideas of too full or too empty?

Many thanks for the words of encouragement. I'm no longer a 3-yr old child, or one just passing out from school. I've established some "principles" over the years. Now "it" violated one of the pricinples which I've developed over the yrs - pride and integrity. Or can call this as "face" as well. So this is a "face" issue. Like climbing up a ladder/hill, always up, no down. Or like a work relationship in a company, once "promoted" cannot be "demoted". Once demoted meaning - OUT!. Got it? I was once "promoted" to moderator, but, abt 2 wk back, account flagged down by Admin because of "massive removal" of files. This is a typical case of "good intention leads to no good result". You never noticed those 2005, 2006 threads gone liao meh?

WHATs are so special about SW direction? Houses with no "SW" owners remained single or always quarell with others??? Divide a house into "9 palace": CW rotation: N, NE, E,SE, S,SW, W, NW, C. Only a house layout assembles the mirror image of "L" which has no "SW" palace. Next time go to other ppls' house, open eye big big hor, if see no "SW" corner, better stay far from owner!

A property mortgage loan amount of <SGD80K, banks usually don't "entertain", but.... - If one has long standing and sound credit record with the borrowing bank & good "relationship" with the bank representative (or so called private banker), thing goes smooth. - If for "enquiry request" only and first timer with the bank, they'll tell immediately NO, NO, NO. Reason: little "juice" but high risk. The checking of one's financial earning power/liabilities/age/assets take time and "$" for the bank concerned. - Say,100K, 10yr tenure with 1% interest difference between 2 banks: ONLY abt $44/per month different! Paiseh, should leave "some room" for others to express views. My relationship with this forum will be ended soon, please don't miss me.

Apply the right solvent before knowing what kind of paint. Hydrocarbon Solvent Aliphatics Hexane Alipax 1425 (Special Boiling Point) Alipax 3040 (Low Aromatic White Spirit) Alipax D40, D60, D80, D100 series Aromatics Toluene (C7) Xylene (C8) Aromax 100 (C9) Aromax 150 (C10) Ethylene Oxide and Derivatives Glycols Mono Ethylene Glycol Diethylene Glycol Triethylene Glycol Glycol Ethers Ethylene Glycol Monobutyl Ether (BGE/BCS) Ethylene Glycol Monoethyl Ether (EGE/CS) Butyl Diglycol Ether Glycol Ether Esters Ethylene Glycol Monethyl Ether Acetate (EGAC/CA) Oxygenated Solvents Alcohols Ethyl Alcohol (Ethanol) Methyl Alcohol (Methanol) n-Butyl Alcohol (Butanol) n-Propyl Alcohol Isobutyl Alcohol Isopropyl Alcohol Esters Ethyl Acetate n-Butyl Acetate n-Propyl Acetate Isopropyl Acetate Ketones Acetone (DMK) Diacetone Alcohol (DAA) Isophorone Cyclohexanone (CYC) Methyl Ethyl Ketone (MEK) Methyl Isobutyl Ketone (MIBK)

Only fsm does not want his rice bowl would suggest this. No imagination needed. Simply: that goes without saying.

Where got as ridiculous as this Pasir ris Blk 780, 1528sqft, asking for $900,000. COV???

HDB LAUNCHED 7 BTO PROJECTS OFFERING 3,600 FLATS http://www.hdb.gov.sg/fi10/fi10296p.nsf/PressReleases/AA31AEA1FFAC40CC482578CD0002D80A?OpenDocument

That goes without saying. Further, One who could "afford" mortgage, won't mind record pice. Simply look at those " ah saows" who break record price - are those with cash par par.

NL is one of the best DBSS. TOP 2011-2012. From construction progress, should be end Dec 2011. http://www.hdbhubber.com/main.htm http://www.cnqc.com.sg/index.html

Tokong

鳥事年年有,今年特別多. 衰事年年有今年特別多. 邪事年年有今年特別多. 蠢事年年有今年特别多. 浮尸年年有今年特别多.

Same sad story happen everyday. Why?

100% guanranteed you that solid rods can "chime", I've seen those in Japan. String broke sure cannot "chime". Why broke? Corrosion? moisture?UV light? Too "noisy" someone shoot it down? cause of gravitional force + wind force? These are "negative" forces. After the japan trip, I put up two near my study bench window, wife complained "so noisy". Before they were shot down, or acted by "negative forces", I brought them down and keep first.

Care to tell us WHO's yr FSM? Not only he is outdated from HDB rule, and allow me to be blunt, such recommendation is at the expense of others but at comfort of user. http://www.todayonline.com/Voices/EDC110514-0000276/Are-reflective-window-films-really-a-nuisance The reflective material(abt 70% reflection) acts like a mirror, causes discomfort to neighbours. Can either install non-reflective solar film, curtain, temperature-sensitive film, etc etc. Never ever put "mirror" at windows, invite only "human disasters" whether intentionally or not, better believe me.

Don't mention. All are welcome, some more "food" for you - an extract from an email: Buyers buy properties essentially for two main reasons. The first is for their own stay as a primary residence while the second is as an investment, meant to be rented out. There are different criterias used for selecting a property that is suitable for one's own stay and one that is meant to be an investment property. Many buyers and investors often confuse and mix up the criterias they use when deciding what to buy. I will not be covering the differences in this post. What are you looking for? The first point to consider is understanding the kind of properties that you will be interested to buy for your own stay. What is the supply like for this type of properties? Are such properties readily available? At any one time, there will always be properties in the market for sale. However, when it comes to something that you are happy to call your home, such a property may not always be on the market. It would be different if you are buying an investment property - you have a lot more options as long as you are not insistent on buying only units in that one or two projects or locations. Property Market Cycle There is no guarantee that in a market downturn, the type of properties that you like will definitely be on sale. And even if it is on sale, it does not necessarily mean you will be able to get it cheap. Happy Owners There are a lot of owners who are very happy with their primary residence. They have no intention to move and are often oblivious to how much their homes can fetch or how much their neighbours just sold sold their homes for. It does not bother or matter to them which part of the property market cycle they are in. Neither does it bother them if the price of their residence has not gone up since the time they bought. Are you someone who is on the lookout to buy a primary residence and will very happily stay in that place for many years to come? My Recommendation(not mine, it's the one who wrote to me) If you are someone who will happily stay put once you find something suitable and you have specific requirements for a home, I would encourage you to ignore the market cycle and go ahead to buy if you see something suitable and this property is within what you are willing to put in. The added advantage to this is the opportunity to lock in the current low interest rate for the next couple of years and (to clear the 4 years seller's stamp duty earlier) for pty. To buyers who are looking for properties to buy at the moment, do your homework, enjoy the process and I hope you find something really suitable for your needs.

20yr ago, everyone wished to be a Millionaire. Now, everybody wish to be a Billionaire. In 5 year time, all want to be Trillionaire. Value of money keeps going down..... Great parents move home for children. Time waits for nobody. Plan & aim, don't miss the boat schedule. In good time(singapore) and with low interest environments, don't expect pty price to drop. With recent rules changed make HDB resale mkt supply even smaller. Land supply increase can pause or delay the rate of price increase but can't stop the trend. Big news: By 2 Aug 2011, US gov has to decide to increase debt ceiling. Now already ready hit USD14.294 Trillions. No increase means defaulting.....http://en.wikipedia.org/wiki/United_States_public_debt May be by the time when all mkts shake, you can get cheaper flat? To be cont'. Here I come again. >$100KCOV Vs Rent Vs Wait 1. Renting is like "throwing" hard cold cash into drain, piece by piece, simply at end of the day, you have less cash yet possess nothing tangible, beside "convenience". Convenience always comes with costs. Want convenience or save cash first? Must ask yourself, to rent for WHAT, for HOW LONG? at HOW MUCH? 2. Pty transaction is abt 4 wks "faster/quicker" than HDB resale transaction (at mercy of seller, I would say). If cash not enough for the "turn-around", can always consider bridging loan (abt effective interest rate of 14% per month for 6 months, monthly interest abt (borrow amount*0.14)/6). Stay at PIL's place for a month or 2? But those barang barang? 3. Hurry to move? Google the web abt the difference of purchasing property for "own stay" and "investment". Will help to raise your horizon. Notes: -The People's Bank of China has increase, the 3rd time within this year, its lending rate to 6.0%, one-year deposit 3%. PBOC has raise 6th time within this year its RRR(Required Reserve Ratio) to 21%, as monetary policy.Intention is to "keep/absorbe" cash from market to banks. Why? beside fighting inflation. The pty price for the 18 cities has finally fell 23%. In short, developers want to collect back money quick by cutting price. When will this happen to Singapore? Singapore's RRR has been maintained at 10%, won't be surprise if MAS announce sudden increase to 12%, then.... -USA 'll have presidential election in Sept this yr. He can't print money anymore, debt ceiling is at the corner, he has to "paint" a nice picture before being elected..... - PIIGS, problematic one by one. Strongly recommending considering pt 3 till 2013 - 2014.