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Also actually that every moment, we're DIY FS We make every decisions WHEN to visit toilets. When to eat and sleep. When to 'kai men' and 'guan men'...... Only when one feels he is 'FS sick', then he wish to consult 'professional' fsm. Why? Some quick fix? Without realising what are the root causes?

http://www.theedgeproperty.com.sg/content/more-landed-properties-go-under-hammer These owners run of of bananas? Or keeping too many monkeys? The monkeys facilitate 'guan men'

You can find many here. Which one you like? https://www.google.com.sg/search?q=shower+head+water+fountain+image&rlz=1C1CHMO_en-GBSG663SG663&espv=2&biw=1366&bih=643&tbm=isch&imgil=hSfemux7xhZw0M%253A%253Bl0IYssod-36_kM%253Bhttps%25253A%25252F%25252Fwww.pinterest.com%25252Fexplore%25252Frain-shower%25252F&source=iu&pf=m&fir=hSfemux7xhZw0M%253A%252Cl0IYssod-36_kM%252C_&usg=__Z2KBbszrwIac9pCgMI2iPQGBIvo%3D&ved=0ahUKEwjtlpqO99XJAhULUY4KHdooCYgQyjcIOQ&ei=Xd5rVq30H4uiuQTa0aTACA#imgrc=hSfemux7xhZw0M%3A&usg=__Z2KBbszrwIac9pCgMI2iPQGBIvo%3D

For SOHO unit?

My experiences: Set the(macro) right before viewing: - Already defined what you need/want (home work) - set your targets= only you know yr ammunition power = where/how big/$ range/property age/height/reno $/ (unless you have no intention to buy, just see see) - Know the rules of game (Cov, downpayment, option to purchase, 1st/2nd appt......) - Understand the 24 JieQi. Then hunting (micro): - Traffic issue. - Day time, night time, sunny day, raining day. - Neighbour issues. - Corridor/lift issues - Windows/doors/room/hall/kitchen airflow & sunlight issues. - Observe ambient noise level - Always be prepared for reno

TS's seeking 2nd opinion. Though in most situations, opinion seekers already have 'answer' in mind.

Identify your rights, responsibilities in this case. Exert your right, demand for the right thing to be done effectively and efficiently. (You have right to get defects to be done, and you followed proper stipulated procedures......but result turned up to be failure and disappointment again and again) Obviously the party concerned has failed to discharge their responsibility in the way it ought to be. Get a quote from your contractor, inflate the sum if you wish to. Serve office with written notice with dates/pictures/travelling expenses/evidence/quote, etc....for their omissions repeatedly. Demand for serious attention and efforts to be paid immediately. Give office a date for defect to be done, otherwise you get your contractor to do it and back charge to the office. Concurrently do this to his top and the public media to act pressure.... Remember this unwritten rule - he who s'peaks louder' get it fast and first. Not 'barking'. Hit at the root, not the branches nor leaves. Any more?

Since IMF already accepted RMB in SDR basket, unlikely China will play play with her counterparts this time. Look rather set FED would up 25 basic point after 16/12. But....its export would be worsen off... Its products and services already so expensive... who would buy and consume? Equity markets will have minimum kneel jerk effect since the 'wolves are coming' message has been set many times. But again, look like each country has to intensify its own domestic market consumption....

Consensus? Or join the crowd? The analysts failed to see the GFC in 2007. They also failed to anticipate the oil price dip. The credit rating agencies seem only 'work' overnight after things happened. Days ago MAS advised: to make partial payment.... Read FSR 2015. http://www.mas.gov.sg/~/media/resource/publications/fsr/FSR%202015.pdf As understood (was told, but yet to read any script), MAS instructed financial institutions and Singapore EUR account holders to stop EUR circulation within Singapore from 1 Oct 2015. Why?, I don't speculate here, anyway, no fire without smoke. Read ECB since March/2015, till Sept/2016, print EUR 60Bil/monthly. The EUR printing machine still running. Since Dec 2008, FED has been keeping the low interest rate between 0-0.25%. USA's Labor market conditions index plunged from 0% to -40% from 2007 to 2009. To stimulate speending and borrowing, USD printing machines very busy then in 11/2008, 11/2010 & 9/2012...then the FED has been hitting the gong and shouting 'wolves are coming' but till now no wolves seen. Don't forget why happened in UK (GBP)about the money printing - 3/2009, 10/2011, 2/2012 & 7/2012. Japan joined in the JPY printing game - 10/2010... Don't forget, the USD/EUR/GBP/JPY are the four major recognised reserved currencies in IMF's basket definition. China's RMB is likely to be in the basket next Sept. Interestingly, while the major 4 ecomonics print money, China adjusted downward its interest rate 6th time within this year (2015) and devalue its currency recently shaking the financial markets....IMF started seriously look into accpeting RMB into the basket....what do these tell? Why the devalue timing so 'chun', why the recent financial actions by China? We have experienced 1997 Asia FC, the SARS crisis (2003), as well as GFC (2007 onwards...), and we are now experiencing the worse-than SARS economic situation......the car/property rulings impede the $ multiplier effect, the per-month-SGD1.2B SSB 'suck' away the 'excess' cash in the market...... USA yet to decide interest hike after 16/12/2015. To cut the story short and sharp: My personal speculation that China would 'throw something out from sleeve' if USA were to increase interest rate. Also, there is/are no benefit/s for USA to increase the interest rate now, she would get hurt first, other than the 'face' issue. The markets are sick of the 'wolves are coming' shouting. If I were Janet Y, perhaps just increase a 1 basic point (0.01%) wind up the long soap-opera and then everyone go home safe and happy.

Can help ask on my behalf? Your words carry more weight For agent so interested to clinch business, he/she can open her contact info.....you know, why need PM?

What mediums do we use for cooking these days? Gas, electricity,charcoal......all these need $$$$! 'after kai men'!.

Reasons?

Reality often forces ppls to no choice, however, as compared to 20 years ago, now ppls spoilt with choices. Interest is sure to go up, cost of borrowing is sure to go up. Will US up the rate in Dec?China adjusted rate downward 6 times this yr and also devalue its currency. Will USA go the opposite way? Look at present mkt sentiment, many switch to bonds, even gov also initiated the SSB for 5 years since sept 15. Let the lock-in expires....then see how. The problem is the waiting sentiment that kills...why don't FED up rate small small?, let all expectations back to normal. Why Janet Yellen like to play hide & seek game? My speculation that if USA up the rate in Dec, China would devalue its currency one more round.....philosophy? Don't 'play' with me !

Quantitative expression is always far more convincing for sound decision makings, particularly in business sense. Family matters otherwise.... Value of fish caught before & after?( Rocketed!) Time frame?(Fast progression) Clientele quality - Longkang, pond, sea, ocean fishes? Sustainability is the key word, not 'Head' hot hot, 'tail' cold cold approach unless company adopts 'hit and run' game- much similar to what we saw in SL square, beauty saloons, keep fits centres, Furniture resellers....too many to list here. The sales turnaround pattern is following the FMCG trends, very much end-user approach......so, I won't be surprised yr sales result 'rocketed' after some advise with actions taken. My understanding of present and even slightly near future economic outlook here is ' very jialit and challenging', in general but very particularly jialit in O&G, petrochemical and financial mkts, except certain industries like transportation, DataCentres, power generation, etc . You know some firms are set to pull out operations from Jurong Island this year end. White envelops have been flying around. Mandatory one-week no pay leaves are 'on' among seniors. You know Sept's 2015 total bank loans here fell short of SGD52 Billion as compared to Aug 2015's. CPI in reverse gear for a few quarters. Singapore Saving Bond subscription rate have been between 30-40% since sept to Nov 2015. You know Gov is 'sucking' away cash in the Singapore mkt each month at sgd1.2 Billion, since sept 2015, for at least 5 years via the so called SSB tool. WHY??? You know SMRT has set up, in June 2014 , the Singapore Rail Engineering Pte Ltd ..... WHY????. You know there were some close-doors meetings between property developers and gov. Good show yet to begin. You know KBW's 'rat catching' model in SMRT would take time to be implemented. Why 'suddenly' HSK talked about the drift from 'value-added' to 'value-creation' - these are going to impact us in a big way Above arguments are to suggest the law of nature that 'things happen take time - from top to bottom' - through grapevine effects and linking pin model. The 'ripples' are here. FSMs know well to be self-care, need not worry for them.

U hear/read too much but think and experience too less. Can we sleep/make love 'in the air'? We sleep/make love on something and this something rests on something, right? Who care what resting on what when you need to sleep/make love?

This is an asset allocation issue. It concerns personal preferences/life style choices/financial commitments/life priorities.... Am sure HDB will advise you to seek financial assistance, likewise from the MP.

Base to basis: Twinkle twinkle little stars & Chinese calendar. Without understanding such, what to talk about 3元9运. 蒋大鸿 'forget to adjust' the 2,000 jupiter/Saturn Synod. How many XKFS followers understand the 1-4-7, 2-5-8 and 3-6-9 combination?? Read this: http://www.pjnet.my/errors-in-computation-of-feng-shui-and-astrological-years

Enjoying paying money to FTer to tell your PAST/character? Give me the money la, i invest for you.

Allow me to chip in. 蒋大鹏's rubbish XKFS theory incorporated the '1-9' stars which has time & direction dimensions (followers know why?). Why he assigned the the very subjective 'meanings' to these stars (white, earth...), then move around?? Some more each star has a period of 20 years. WHY 20 years? Repeat what i've said - try read and understand chinese's star constellation before reading any fs books. The star constellation has great influence on chinese's fs theories. The 'stars' that 'fly'(orbit patterns) on top of our heads have great influence on human life as these XUAN KONG theories claim (but how much these ppls THEN knew about these 'stars', i wondered) They thought (copied) the Jupiter (or sui xing, or tai sui) has the greatest effect on earth. But it orbits around the Sun every 12 years, not 20 years!

It's rather a financial & legal knowledge/planning issue that ppls raising this question again and again. And I believed, particularly the first time home buyer (from primary or secondary markets) opt for HDB loan.

HDB doesn't produce 'cut & paste answers', but 'creative' forumers do. The 'creative' 'cut & paste answers' or opinions would confuse you further. Go back to HDB as it's the source. Please share the info once settled, i wish to know the 'answers' too.

Mortgage loan selection choice is very challenging. It involves: - Your understanding of the financial markets trends. Past present and future. - Your comfortability with the volatility of interest rates. - Your understanding of value of future money and its calculation. - How much involves. The superpowers have been printing $ (EUR, £, JPY) USD stopped not long ago, while China 'devalues' its currency overnight. Currency war? Why some central banks adjust their interest rates up while some (USA) remains low.......all concern 'cost of capital' from borrowers' perspective , or 'market rate of returns' from lenders' perspective. We're now in a very 'volatile' energy/financial markets/technology change era. Dusts unlikely to be steady or rested within a year or 2. Many companies have started practiced 1month/1wk no-pay leave, some 'white envelops' have been flying around... My advise is, stick to banks' 3-5 yr fixed rates, if they offer <2.6% pa monthly compound, otherwise apply for HDB's HLE.

In Singapore context, land/space (offices) are comparative expensive and every efforts need to be spent optimising the intended usage for maximum return. Perhaps you need 'golden' water tap head to impress.

Insane? What can you do?, you should know. MMS insane? Many say yes, he says no. You should show your 'right' and 'power' when time comes and tell him don't drive you insane and you can make him insane too.

http://www.channel8news.sg/news8/videos/20150902-lowtk-wmv/2095842.html 我忍他很久了