bepgof

left-right, front-back swapped!= assignment indicated members failed understanding orientation of celestial animals orientation. 坐北向南(china's map, S at 0 o-clock)and ；坐南向北(Singapore's map, N at 0 o-clock) Already suspected project not led by JY, he could not be that blur.

Still hold. Bank loan yet to disburse (10% for ground completion,.....) till mid 2014 TOP when my son will be enlisted into NS liao. Total more than 30 pages( most on property stock counters performamce), just extracted out the relevant ones.

The previous post was to explore the possibilities of getting the buying of condo done legally but at expenses of $. My MOP just over- 31/12/2010. I bought a FH, now under construction (yet to complete ground breaking) last yr JULY while my HDB unit was still within MOP - this was allowed before the rule changed (Aug 2010) read this: http://singaporewatch.org/?p=1380 then Jan 14 2011, change again: http://singaporewatch.org/?p=1396 then, 15 Feb 2011, scrap siblings scheme...http://singaporewatch.org/?cat=33 It follows USA's OB's political slogan: change, change, change. Only few months ago only, forget liao?

Sorry to highlight the animal-direction mixup in the satelite picture (2nd pict). Ancient chiinese maps's South at 12 0'clock, west at 3, North at 6, East at 9. "modern map" N at 12, E at 3, S at 6 & W at 9. The actual landform of Alpha Centre should be read as below: http://img19.imageshack.us/img19/587/alfacentre.jpg You can counter check with JY.

1. Seller hdb unit to HDB, then buy condo. 2. Buy condo under sibling's name first, after MOP met, transfer name. So hurry to buy now meh? Condo supply is flooded like tsunami, URA's forecast of new supply is very much underestimate. Never read my post meh? http://www.renotalk.com/forum/index.php?sh...st&p=611859

Never mind lah, whether XKFX, flying star or purple white stars, they are still stars. This yr not so that smooth leh. Car accident then late wk sick till 2-day MC. Evry day head goggy goggy. Tried panador liao too mild lah, no effect. Doctor already prescribed antibiotics, flu, cold, cough, medicine liao. I must have offended the #2 & #5 stars liao.

Under this circumstance, only GOD can help.

I prefer reading "real" stars over the sky at leisure time. Correction hor, I did not mention Mae's stars that fly make a person goggy. I admit that XKFX founder must be super smart or anti-goggy to just plunk only 9 stars out of trillions from the sky, superimposed with ancient Hetu & Luoshu, come out with digit 1 to 9, mixing with wuxing , property's DOB+ invention of 3 yuans and 9 lucks + all the facings & directions - can really make me goggy.

Here are some "case study" cases, read ok lah, believing or not up to you. http://www.xinyifengshui.com/cases.html

Before building a house, study and understand the properties of building ingredients, (choose the ones you want) and built house on rock. -天干地支, yi yang wu xing, universe concepts (sun,earth,moon- solar system at least), are the "must" understand. - Must understand backgound info for some "famous" "ancient" fs characters like , before "believing" their theories 1. 徐子平- summarized then bazi sub-theories and recognised as true bazi founder. http://www.zxtang.com/book/yhzp/ 2. 杨益，号救贫 - "dragon" and "mountain" founder. Set some important standards on luopan.http://www.lyg819.com/ 3. 蒋大鸿 - founder of "xuan kong" theory and "purple white star" = "flying star", 9 stars, 3元9運. Found own-standard of luopan. Have been criticised of his "wild imaginartion" of XK concept. 4. 晋郭璞-http://zh.wikipedia.org/zh-cn/%E9%83%AD%E7%92%9E and many many. Advise to Mae, before too deep-rooted on XKFX, ask your sifu or search yourself more abt 蒋大鸿's background, & the truths of his sub-theories......

Please allow me telling the story of house building vs gaining fs knowledge. A house is built started from base, then pillars, beams, follow by rooftop..... Building materials like sand, cement, steel, wood....are needed. The mixture of these materials eventually made up a house. Some like to build house on sand - much easy to build, however, when rain come downs and there is a rush of waters and the winds are driving against that house; and it comes down and great is its fall. Some build house on rock - harder to build, however, when rain comes down and there is a rush of waters and the winds are driving against that house, but it is not moved; because it is based on the rock. Likewise for FS knowledge gaining, no short cut, has identify different types of sand, cement, steel, wood.....these basic "elements" , in fs equivalent, are: - yin yang wu xing - 10 heavenly stems & 12 earthy branches - 9 "palace" & 8 trigrams, 64 hexagrams - 12 宫 - 三方，四正，六合，六害 - 三元九運 - 河图，洛书，24 mountains - 三垣, 二十八宿 etc etc Bazi theory, XKFX theory, ZWDS......all are "mixtures" of sand, cement, steel, wood.... If one jump to study these theories without solid understanding the "properties" of sand, cement, steel, wood, then it is like building house on sand..... will be washed away in no time.

On one hand set higher & higher bars preventing rightful owners to withdraw hard-earned $ (for retirement ???, retirement's a very personal thing, why should gov get involved?). But must admit that the 2.5% & 4% monthly-rest interests are very tokong. Tokong is one thing, $ eventually cannot be enjoyed while alive, what's for?

Interesting report saying URA's forecast not accurate. http://img703.imageshack.us/img703/3923/po...bynomura17f.jpg http://img225.imageshack.us/img225/3923/po...bynomura17f.jpg http://img156.imageshack.us/img156/3923/po...bynomura17f.jpg http://img683.imageshack.us/img683/3923/po...bynomura17f.jpg http://img109.imageshack.us/img109/3923/po...bynomura17f.jpg http://img192.imageshack.us/img192/3923/po...bynomura17f.jpg http://img408.imageshack.us/img408/3923/po...bynomura17f.jpg http://img413.imageshack.us/img413/3923/po...bynomura17f.jpg http://img832.imageshack.us/img832/3923/po...bynomura17f.jpg http://img684.imageshack.us/img684/3923/po...bynomura17f.jpg

Indeed true facts. Not sure within 10 feets or not, however, those tree branches sure within 10 feets to windows. Added: HDB/condo doors face neighbour door, door face wall, all within 10 feets.

Just for reference: http://img411.imageshack.us/img411/1830/31071752.jpg

Replace with white light. Don't quite understand WHY nowaday ppls still like filament bulbs which emit great amount of heat and give off "yellowish" light, of course it still contain some amount of "white light". Law of physics tells us that when pure yellow (combination of red & green)light shine on objects of different colors, have the following observation: - white, see as yellow, yellow light being reflected away. - black, see as black, yellow light being absorbed. - Green, see as green, red being absorbed, green reflected - Red, see as red, green being absorbed, red reflected. - Blue, see as black, yellow being absorbed, none reflected. so on so for. What I'm trying to say is that in "yellowish" light condition, one can't differtiate the "true" colors of objects! So when selecting colors in showrooms with yellowish light environment, watch out, don't be deceived.

Hi Mae, can do me a favour by asking yr shifu: 1. Earth's magnetic pole positions drifting every now & then, can be varied as far as 2 degrees, meaning that this spot/direction today reads 303N, tmr may read as 305N at same spot/direction. Ignor this truth? When come to determines the angle of 64 挂(Hexagrams) (360/64 = 5.625 deg!), will give "different" degree readings at different times, how yr shifu settle this? Earth's axis of rotation is based upon "true north or true south" and where seasons/weather changes based upon, but not magnetic north or magnetic south. 2. What are the "parameters" used in determining the "Direction Facing" of a building, of an unit within a building (say condo or HDB). Thank you in advance.

He can't, unless he sells the house to someone and TS gets the sale proceeds. In a typical mortgage home loan structure, cash is disbursed from bank A to bank B, CASH not go into Mortgagor's pocket. If mortgage loan or whatever loans' $ can go into one's pocket directly, MAS must be not doing his job well. Since TS has obtained the property title, he can arrange for a secured OD facility, taking his property as collateral, of course he needs to find out what's the cheapest way of borrowing $. The amount needed & interest rate is borrower's credit worthiness dependent, borrower's history with the bank..... Or he can arrange for unsecured OD facility which requires no collateral,like line of credit, of course the amount can be brrowed would be very much smaller. When property is concerned, the cavaet( a legal notice of claim of property tiltle)is kept by SLA. To generate a caveat, need a lawyer (therefore lawyer fee is needed)Read & understand the below http://www3.nationproperty.com.sg/npp2/EF_REF_stp9.aspx

Be it Equity Home Financing(UOB) or Assetline(DBS), they are actually a secured OD facility in principle. Banks can beautify this facility with many fanciful names but nature still the same - using borrower's assets (must be liquid enough to exchange into cash in case of default payment) as collateral. Lending bank does risk assessment onto borrower's assets, financial liabilities, earning power...to determin approve credit limit. Assets' type & nature determine the the interest rate, so all these need to be customised and take time to process. Interest will be charged for amount used. Singapore law allows no partially paid property to be used as collateral for application of secured OD facilty under 2 different lenders(creditors). Reason is obvious in case borrowers run into bankruptcy. One can't use fully paid HDB unit as collateral for applying secured OD facility - I "think" so, because if one lands into bankruptcy, creditor can't force sell the unit under HDB rule. Singapore allows insurance and re-insurance business, but no "re-mortgage" and "re-re-mortgage" on property. The 3 cows story tells the pitfall of such. Another area of concern is the "effective interest rate". CPF OA's 2.5% is "monthly-rest", if apportion it to "yearly-rest" would be 2.53%. Likewise, believed the secured OD facility's interst calculation model is based on "weekly-rest" - used amount has to be top up within a week, if not (interest +used amount) would be added on and on every week, this is a typical case of licensed ah long. Only " super desperator" will engage in secured OD facility.

It is not a loan but called "secured overdraft facility". All full-licensed banks have this product/service. It has to be customised based on one's assets & earning ability. One has to use either their FD, shares, or property(if not fully paid, cannot re-mortgage)...as collateral. Singapore's law not allow two "lenders" on one property which used as collateral. Singapore Post has the lowest interest rate of 1% per month or 12% per annum! This facility work much like "credit online", except needing collateral - one lump sum allocated, pay interest on used cash only. Not too sure whether the interest is computed based on daily-rest, weekly-rest or monthly-rest. The approval process may take some time.

I think likewise. Now fast hand fast leg patching up the "holes", not letting opposition have "holes" to shoot. CPF scheme's hole too big, cannot be patched up in time. This hole is getting bigger. Luckily Mr.Goodyear realised this and run away fast.

True that each has different financial needs & wants at different timing. Life is full of lots of uncertainties with many volatile "variables" which always intercorrelate to each others, whether in tangible or intangible forms, a major "wrong" move will lose the entire game. To stress, as singaporeans, always keep the HDB unit as it is your "right" and subsidised by gov in one way or another, foreigners can't "enjoy". "Fight" with foreigners in pte property when time's right, at same time enjoy the subsidy by gov.

Assume tenure=30yr, hdb concession loan at 2.6%, CPF OA at 2.5%. I work out a 3-year period for comparison: 1. For loan amount at 100K at 2.6%, the interest for first 3 years = $7543.03 2. For loan amount at 70K at 2.6%, the interest for first 2 years = $5280.11 You can save $ 2262.92 if loan 70k instead of 100k. 3. If put 30K in OA, after 3 years, would earn you interest of $2,334. Conclusion: you can SAVE $71.08 over the 3 YEARS(one yr SAVE $23.69), if you put 30K in OA & take mortgage loan of 100K. The interest earn on OA would be more over the next 27 yrs. The "resultant" saving would be more, question is: no one will know what would happen tmr. Can you wait?. For housing mortgage liability: always settle it as fast as you could. Investment can wait.

Here are the tables: work up to 10 yr (comparisor of OA vs loan of various interest) 1. 300k loan, 30yr tenure - provided OA principal & accured interest untouched and keep added on, then it is good to remain the sum in OA (see sht 4's accumulated ineterests after 10 yrs. http://img819.imageshack.us/img819/1341/lo...0k30yrpage1.jpg http://img825.imageshack.us/img825/3714/lo...0k30yrpage2.jpg http://img836.imageshack.us/img836/7541/lo...0k30yrpage3.jpg http://img691.imageshack.us/img691/1315/lo...0k30yrpage4.jpg 2. 300k loan, 10yr tenure.- save interest (loan) a lot more if pay fast. http://img411.imageshack.us/img411/8396/lo...0k10yrpage1.jpg http://img143.imageshack.us/img143/9172/lo...0k10yrpage2.jpg http://img715.imageshack.us/img715/3335/lo...0k10yrpage3.jpg http://img510.imageshack.us/img510/6862/lo...0k10yrpage4.jpg

I'm bo chap, don't bother of being accused "husband sings wife follows" and birds of same feather flock together: Not psalms but 传 道 书 Ecclesiastes chapter 1: By solomon, king of Israel, son of David. 1:1 在 耶 路 撒 冷 作 王 ， 大 卫 的 儿 子 ， 传 道 者 的 言 语 。 The words of the Preacher, the son of David, king in Jerusalem. 1:2 传 道 者 说 ， 虚 空 的 虚 空 ， 虚 空 的 虚 空 。 凡 事 都 是 虚 空 。 All is to no purpose, said the Preacher, all the ways of man are to no purpose. 1:3 人 一 切 的 劳 碌 ， 就 是 他 在 日 光 之 下 的 劳 碌 ， 有 什 么 益 处 呢 ？ What is a man profited by all his work which he does under the sun? 1:4 一 代 过 去 ， 一 代 又 来 。 地 却 永 远 长 存 。 One generation goes and another comes; but the earth is for ever. 1:5 日 头 出 来 ， 日 头 落 下 ， 急 归 所 出 之 地 。 The sun comes up and the sun goes down, and goes quickly back to the place where he came up. 1:6 风 往 南 刮 ， 又 向 北 转 ， 不 住 地 旋 转 ， 而 且 返 回 转 行 原 道 。 The wind goes to the south, turning back again to the north; circling round for ever. 1:7 江 河 都 往 海 里 流 ， 海 却 不 满 。 江 河 从 何 处 流 ， 仍 归 还 何 处 。 All the rivers go down to the sea, but the sea is not full; to the place where the rivers go, there they go again. 1:8 万 事 令 人 厌 烦 。 （ 或 作 万 物 满 有 困 乏 ） 人 不 能 说 尽 。 眼 看 ， 看 不 饱 ， 耳 听 ， 听 不 足 。 All things are full of weariness; man may not give their story: the eye has never enough of its seeing, or the ear of its hearing. 1:9 已 有 的 事 ， 后 必 再 有 。 已 行 的 事 ， 后 必 再 行 。 日 光 之 下 并 无 新 事 。 That which has been, is that which is to be, and that which has been done, is that which will be done, and there is no new thing under the sun. 1:10 岂 有 一 件 事 人 能 指 着 说 ， 这 是 新 的 。 哪 知 ， 在 我 们 以 前 的 世 代 ， 早 已 有 了 。 Is there anything of which men say, See, this is new? It has been in the old time which was before us. 1:11 已 过 的 世 代 ， 无 人 记 念 ， 将 来 的 世 代 ， 后 来 的 人 也 不 记 念 。 There is no memory of those who have gone before, and of those who come after there will be no memory for those who are still to come after them. 1:12 我 传 道 者 在 耶 路 撒 冷 作 过 以 色 列 的 王 。 I, the Preacher, was king over Israel in Jerusalem. 1:13 我 专 心 用 智 慧 寻 求 查 究 天 下 所 作 的 一 切 事 ， 乃 知 神 叫 世 人 所 经 练 的 ， 是 极 重 的 劳 苦 。 And I gave my heart to searching out in wisdom all things which are done under heaven: it is a hard thing which God has put on the sons of men to do. 1:14 我 见 日 光 之 下 所 作 的 一 切 事 ， 都 是 虚 空 ， 都 是 捕 风 。 I have seen all the works which are done under the sun; all is to no purpose, and desire for wind. 1:15 弯 曲 的 不 能 变 直 ， 缺 少 的 不 能 足 数 。 That which is bent may not be made straight, and that which is not there may not be numbered. 1:16 我 心 里 议 论 ， 说 ， 我 得 了 大 智 慧 ， 胜 过 我 以 前 在 耶 路 撒 冷 的 众 人 。 而 且 我 心 中 多 经 历 智 慧 ， 和 知 识 的 事 。 I said to my heart, See, I have become great and am increased in wisdom more than any who were before me in Jerusalem--yes, my heart has seen much wisdom and knowledge. 1:17 我 又 专 心 察 明 智 慧 ， 狂 妄 ， 和 愚 昧 。 乃 知 这 也 是 捕 风 。 And I gave my heart to getting knowledge of wisdom, and of the ways of the foolish. And I saw that this again was desire for wind. 1:18 因 为 多 有 智 慧 ， 就 多 有 愁 烦 。 加 增 知 识 的 ， 就 加 增 忧 伤 。 Because in much wisdom is much grief, and increase of knowledge is increase of sorrow.