bepgof

http://news.omy.sg/News/Local%2BNews/Story/OMYStory201105310412-249146.html We have read the news of "塑化剂", however many may not know what is it. Best advise is : avoid those drinks that come in "plastic" container. http://en.wikipedia.org/wiki/Bis(2-ethylhexyl)_phthalate http://www.doh.state.fl.us/Environment/programs/chemical_fact_sheets/Di2-ethylhexylphthalate_FS.pdf

To be precise, bazhai= 8 houses = classifies one's DOB into 8 categories of "directions". DOB A suit direction A, DOB B suits direction B, etc etc. The 8 category classification based on 0 to 9 is a "mathermatical game". All houses got only 8 direction meh? Doors?/windows?/balcony? decide house directions? Or a house with 8 directions facing suits for all kind of people To be precise, it is a branch of divination.

Bear one important in mind: "Accrued interest".

Ok lah, don't confuse you, get it right to the point: Bagua, whatever the arrangement of the 8 挂, is just an iconic picture, no more and no less. Alternatively, you can write: 000, 001, 010, 011, 100, 101, 110, 111 on your door.

You started an interesting yet boring subject. Long story to read (pls read china's 5 thousand yrs history)http://www.asia-home.com/china/dyna.php, the more one reads, more confusion will get. I have been confused for years. Bagua associates with I-ching. What I can say is: 宋代興起了易圖的研究，像廣為人知的河圖、洛書、先天圖、後天圖、太極圖（含陰陽魚的圓形圖案）等，都是《易經》原著中所無、後人根據對《易經》的理解添加進去的。《易经》的主要内容分三个方面，就是理，象，数。 (易經)事实上是集合了古代的《连山》、《归藏》和《周易》,但《连山》和《归藏》已经失传。《易經》以一套符号系統來描述狀態的变易，表現了中國古典文化的哲學和宇宙观。它的中心思想，是以阴阳兩種元素的對立統一去描述世間万物的变化。 廣义的《易》包括《易經》和《易傳》。《易經》分為《上經》三十卦，《下經》三十四卦。 由于《易經》成書很早，大約在西周時期，文字含義隨時代演變，《易經》的内容在春秋戰國時便已不易讀懂，因此春秋戰國時代的人撰寫了《十翼》，又稱為《易傳》，以解讀《易經》。 普遍認為《易經》最初是占卜用的书，但它的影響遍及中國的哲學、宗教、醫學、天文、算术、文學、音樂、藝術、軍事和武術。自從十七世紀開始，《易經》亦被介绍到西方。十七世紀末，德國哲學家及數學家莱布尼茨因漢學大師布維（Joachim Bouvet，漢名白晉，1662年－1732年）的介紹、更將《易經》以二進制解釋(Binary system)。 I have drawn the "sequence" of the 8 components of both bagua. Can see any difference or "logic of difference"??? http://img94.imageshack.us/img94/9910/95764274.jpg http://img191.imageshack.us/img191/3828/88518741.jpg http://zh.wikipedia.org/wiki/%E5%85%AB%E5%8D%A6 My personal advise is: forget about what early/later bagua. Some peoples enjoyed confusing peoples. I-ching in fact try to explain the complex laws of mother nature. 一物克一物, bagua itself cannot 克 anything.

Build more rental flats, those good-at-calculation retirees will flood the frontline before the divocees.

Gong gong eat, gong gong grow. In Malaysia, corpse 3 days in water tank, ppls still drink the water. Singaporeans having super high living standard, corpse in water for 3 hr, demanded TC to change water tanks??? Might as well demolish the whole block! The tank could be the bangladeshi cleaner's "personal swimming pool" for years.

怪事年年有,今年特别多。

大丈夫, 一言既出,驷马难追。Actualise a promise make a person "upright", 共勉之。 I supposed the "build in oven" appeared in the valuation report as "form of picture", instead of "itemise description", correct?.

Wife is an "Office Lady", good at making phone calls. Those were what she said to me. Loan doc says need 3 months advance notice for full redemption, and clause 10.2 says borrower/mortgagor needs to pay back bank the "legal fee" which I "enjoyed" earlier on which amounting to 4% of total loan amount or up a maximum of $2K, if redemption is made within 3 years from the date of 1st disbursement which was on 29/12/2009. I'd prefer to pay $2k instead of $2.4K(1 yr's interest payment, based on my existing loan tenure, OS and interest rate)if I were to wait till 3 yr expiration(29/12/2012). Robert Kuok's proposal of buying back all th Allgreen shares pays this.

From windows of my 23th floor, I can see(face?): cars MRT trains Vessels Aeroplanes very enjoyable and relaxing.

So many here, prove her wrong(page 11). http://www.etsy.com/search?q=windchime&page=1

I got no money no money but you. "mirage" = "floating" in the air = everyday living in dream, how can? Still got 2 loans. Trying to redeem the HDB one first within next month. You got back your title deed? Called up PKWA, $600 inclusive gst. Matthew Chiong parnership, $550, inclusive gst. TH Tan Raymond & co - closed shop liao. JC Ho & Kang LLC - reception very "rude",keep probing like machine gun, hang the call half way.

Tools which Khaw uses so far: - Build To Order (must fulfill 70% application then build) has become "Build first, take order later". I like Lim Kim San( 林金山)style. Aim, shoot, report. MBT style: report, report, report.

Try this: http://condo.singaporeexpats.com/condo-details-MIRAGE-TOWER.htm

There are quite a few variables to be considered in the cal, so I fixed some for easy cal: 1. OA: 20K, 2.5% interest 2. OS loan 1: 80K, 2.6% interest 3. OS loan 2: 100K, 2.6% interest 4. Loan tenure: 1 yr 5. Loan tenure: 4 yr Assume u have left 1 yr to clear the loan: - OA would earn you $272 for 12 months - 80K loan(1yr)would incur $1131 interest for same period - 100K loan(1yr)would incur $1414 for 12 months Conclusion: If you keep 20k remains in OA, you would loss (1414-1131)-272 = $11 over 1yr. Assume u have left 4 yr to clear the loan: - OA would earn you $1037 for 4yr - 80K loan(4yr)would incur $4319 interest for 4 yr - 100K loan(4yr)would incur $5398 for 4 yr Conclusion: If you keep 20k remains in OA, you would loss (5398-4319)-1037 = $42 over 4yr. Follow above's "format", u can work out the real situations for comparison http://www.cpf.gov.sg/cpfhsg/Hsg_totInt_calc.asp?src=#results Note: CPF OA's interest is calculated based on monthly rest (principal + interest) each month and repeat, whereas those banks' FD is yearly rest.

Not an issue as long as the pit is movable and those smoke, smell, oil stuff generated are "self contained". I've once kena a "black & white" from MC for "inappropriate usage" of bbq pit space for boiling big pot of water (for boiling abt 20 rice dumpings at one go), and unauthorised shifting of shading umbrella. Unhappy abt the letter, paid $50 to get a NEA weather report as proof of rain, at certain day/time for certain station/location, called up MA and MC, and sat in the monthly meeting about what was deemed "appropraite usage" of bbq pit and in certain day/time, no member of MC was available to give consent to shift certain "common property"......

Let u see BIG pictures, as you like it: To be effective & efficiencient in preventive & corrective jobs, "fix-it" man needs use of "proper tools". Specific tools are designed & used for specificed jobs, however, at time, "this" tool can be used for "that" job but outcome not as desired. Preventive is always better than corrective, in any situations. Senior Khaw has classified the "problem" into short/middle/long terms, and he also has identified three groups of ppls have "short term" needs. He is going to fix this first. What "tools" will he use? MBT has used tools like MOP, seller stamp, loan-value-ratio. He has thought of using the tool of "income ceiling", but does not has the opportunity of using it. Complicated jobs need complicated tools. Tool user must be proficient in using such as well, otherwise.....

- Increase in GFA, no approval. http://www.corenet.gov.sg/einfo/circulars/htmlandpdf/URA_19990303010.pdf - Permanet "fixture" which cast shadow, no approval. So, Just make whateven "house" you call, be "movable", transparent/net/transluscent covering & no solid shadow cast. Read URA's "strata living", around page 5-7, if I recall correctly.

Resale, new completed or under construction = 5% cash, remaining 35% cash or cpf. - Take note of cpf's MMS rule. - For unit under construction - progressive payment mode, the % in various stages have changed due to loan's rule change, do take note. - Resale (1% to exchange for OTP, 4% after exercise OTP) - Stamp duty MUST BE paid in CASH first, then reimburse back from CPF OA (need to apply for) - Agent's comm for resale. Buy directly from developers, no comm. Slightly complicated for unit under construction( OTP, S&P, Deed of assignment, etc etc), loan disbursement amount varies at different stages.....Hope above clear your doubts.

This should be the way, believed all think likewise, tio bo?

You lor.

Precisely! Especially during 2005-2008.

Junior Khaw finally show some "true color".