bepgof

The coffee you drank this early morning must have kept you HIGH till now with all sort of wild wild wild imaginations, from husband & wife to birds of same feather and doing flocking together. Owl brand?.

There is no new thing under the sun = history keeps repeating itself. Once over will comes/happens again. So nothing to be surprised of. Whether FS audit done or not, no "living happily forever after" mythology on earth, only have "small fires" and "big fires" on & off. Lives are all abt putting off fires and at times to generate fires, tio bo?

Beside singing, I can dance too. Let's sing along, dance and party time starts liao.

Must salute to yr wild imagination. Appreciate yr "good" intention.

Chrisop, My wife is rooster, me rabbit, we are in 6th-chong, meaning that we always "chong" in all aspects, according to chinese zodac/12 earthly branch explanations. She is the eldest of 2 and I'm #8 of 9, in respective family. Because of the "position" in her family, diverse cultural backgrounds, she has been used to make decisions and "lead" her family while I "follow" mine as they are 7 seniors ahead of me. She grow up in “city”(大玻),while I from “kampong”, anyway, she is 5 yr younger than I. This resulted me be “chin chye”, “carefree” & “bo chap” while she cares much of the “face”, “make nice cake”, “careful conversation with others”, “dominating”, “forceful”….. 2 individuals come from diverse culture, differing family background with different core values, when come stay together, always “chong”. Small “chongs” like : different ways of squeezing SAME tooth paste everyday, putting cups, plates, spoons, towel lah, too many to list, all these are “small fire spots” at different times. When time ‘right” become “big fire”. Big “chongs”(big fire) mostly related to family finance, ways of saving/spending $, relatives of each own. You may have not faced these yet. We’ve experienced all sorts of small & big fires, still in one piece till today. We (me & wife alone) fixed ourselves the wedding date on 13 March 1993 (sat), we made decisions as to which hotel, # of dinning tables, etc. I got big scolding from eldest bro/sis for not consulting them for invitation for their friends/relatives, anyway I bo chap their requests. We never informed my father-in-law abt the wedding, not even inviting any single souls from “his side”, as during that time, he was a classical & typical gambler with all the ah longs hassling the family members. Naturally, I invited wife’s mother & younger sister to stay with us right after our Chinese custom marriage, leaving FIL “at large”. Wife’s family was staying in rented hdb’s “1 room half hall” unit. I considered we’re blessed as we both attended “pre-marriage” counselling course so knowing the causes of “small & big fires” or “chongs” and some techniques to put off these fires. As time passes, we also attended post-marriage counselling course, just to refresh the skills & technique and be reminded of our marriage vow. Do more “deposit” than “withdrawal” habits in marriage account, look at round marriage ring and not just remembering the vow but to put into action. Make yr next half aware of such and do the same. FS is not a "cure it all" mean, nor a "set and do nothing but wait for good result" methodology, it needs human's actions to complete. Remember the story of farmer sits under tree awaiting for rabbit to run into tree trunk?

Fate is always like that: when one short of certain ability, he will strengthen other abilities just for survival..... No limbs- use mouth to hold painting brush to paint pictures, till swee swee. No paper qualification, chiong pte sectors and become boss on one's own one day! Got paper qualification - mostly get stuck with 9am-5pm work. Entrepreneurship die liao.

I got my taxi driving licence since abt 1997 as "standby", never drive taxi before. Wife pushed me to take. She also "pushed" me to take swimming instructor course as well as class 5. I told her to spare "rice bowl" to others. So I did not take these 2. Got put $1k deposit with ntuc comfort, 1 yr later collected back. About late Ng TF, you are correct, the lucky plaza...my ex-colleague's father was neighbour, described him as "eat ppl with bone swallowed". DWG's big boss, Dennis Wee, I think Sec 2 only, got awarded(don't know which body) honorary "doctorate" title. Got lawyers become estate agents, got MBA holder selling poh pian also laywer....So don't need to study liao?

Got "six sense" no "six dimension". You can google abt "dimension". 一元空间， 二元空间，三元空间。Mathermatic called 一元次方，二元次方，三元次方.

Give me some time to work out some tables, will prove you wrong.

Much to do with "personal style". Personally I prefer to clear the loan immediately if CPF OA got enough money, would think "twice" to activate cash for instalment payment. Simply cash can do many other things. OA=2.5%, SA=4%. Definitely I would use cpf to pay up as much as possible, I would dump all the SA if regulation allows, simply: 1. Remain $ in cpf account, just to earn interest that 2.5%? No. no, just leave some (~ 24 instalments, my standard) for just in case. 2. Say, compare 300K in OA with 2.5% interest and 300K outstanding loan(2.6%) for 1 year. Actually this is "capital budgeting" technique. 2-1. OA earns $7500 of intest. Need to pay $4242 loan interest if use cash. CONCLUSION: use cash to pay 2-2. 2 years. OA (300K+7500) earns $7687, loan interest(2 yr) =8,192 .CONCLUSION: use OA to redeem loan 2-3. 3yr, 4 yr....the longer the year the more loan interest than interest earn in OA! 2-4. One must know that the way of interest calculation is different from OA and loan! For OA is simple, like Fix deposit, the interest just add on to the principal. Loan's interest calculation is not like that, need spreadsheet. That was why I die die obtained one from UOB in 2005. 3. One may be called home by the Lord tmr without advance notice, then what happen to $ in cpf? If can "consume" while one is still alive, do it fast. 4. The $ in cpf is just like $ in fund mangers' hand.(temasek holding). How I wish the $ is in my hand!

By agar agaration 5% too troublesome to make the trip, time & energy are more precious. 15% take "very long" to save to reach this figure. 10% just nice CPF also money. Best strategy is monthly instalment all pay by cpf OA. Simple logic that cpf money cannot be withdrawn as "cash", & one does not know whether he can survive till 55yr old (2013 withdrawal rule no more liao for 55yr old). Put cash into property needs patience liao. Just make sure you have "spare cash" for contigent events lor. Personally, I don't give cash to "fund managers" to play, I prefer "to play" on my own. But need to give face to wife, as she like to put cash into different "baskets"- letting wife happen is more important than making that little % differences.

History reveals that these "animals" are meant to be kept outdoor. And these were/are always fierce-looking and "big size". Don't know why now all become so cute and "miniature", look very much similar to japanese's "pikachu". 2009 Nov in Taiwan at 国宾馆(where foreign countries' chief stay)，saw 2 pixiu sitted at 2 tip of the roof top, facing a building far away, top with a long antenna. Same year, different month on tour with family & SIL, "accidentally"(not in original schedule, last minute changes)went into a Taiwanese FS shop, selling all sorts of pixiu (big & small, colors, materials...)Again, akin of "seller said his flowers' the best. Asked for our chinese name & DOB. I gave the fake name & DOB and kena recommended a brown-color "earth"-pixiu, as the fake name & DOB need "earth". Of course I never buy any, but sil bought 2 oranged-color transluscent-stone miniature pixiu (~SGD1,200), one herself & one for her daughter for hanging around the neck. Now I never see her wearing anymore(divorce in progress). Niece's color faded liao, this yr taking psle. Remembered seeing 2 big stoned-pixiu at kallang ice-skating rink(same floor, outside glass panel)

Hi jetlover, where did you buy in singapore?. Beside table & floor standing, got wall or ceiling mounted types? Brushless motor high pitch & noisy or not? for 10"/or 12" can blow "how far"? Tendency to fall "backward" while at full speed & air-foil ring swinging? Appearantly K.Auto Acess & Life Style at Bukit Batok st23 got import these.

1. sitting=resting=off duty, standing=on duty. 2. Pixiu has 2 kinds: PiYa (2 horns)meant for wards off evil. Tian Lu(one horn)meant "sucking" wealth. Piya at "evil" place, Tian Lu usually placed facing outside main door(don't get stolen). 3. Pixiu has no anus, only "in", no "out". No anus where got tail? Don't know will it suffer from constipation problem or no? 4. Your money suck by it and go into seller's pocket first. The more you buy the more it sucks into seller's pocket.

Wisely said. The 3 variables($,%,yr)in Mortgage loan structure look simple but complex when mortgagee's terms come in. As rule of thumb from experience, if one has accumulated >10% cash of outstanding loan amount, wise to do a partial payment(no penalty cost)& revise the tenure to cut down interest payment....

Glennyuen, Here are the breakdown of figures from years 0 to 12. As at 120th instalment (end of 10 year = 2011+ 10= 2021 Feb, if year 0 starts in Feb 2011), the outstanding amount would be $195,669.41, if no partial payment is made during the period mentioned. Look at the amount of interest(s)you would have to pay, see you scare or not! http://img62.imageshack.us/img62/6903/60116210.jpg http://img217.imageshack.us/img217/5382/18973228.jpg http://img717.imageshack.us/img717/3987/60025960.jpg http://img687.imageshack.us/img687/3354/1012go.jpg

Sure, each has his own core values. Simply put it: Author puts "study" or "gaining knowledge" as first priority and uses it as sword and shield to fight against and change "fate". His logic is "fate" influents "destiny". 运可改，命可造，命由己作，福由己求. He mentions about the "humanity" and "natural" sciences in FS. Second last para is the classical example of cause & effect, it is also fs-related. Topic of the article should be renamed as "读书=万能！" He must have read a lot, thus able to produce such a "good" article. Good reader always produces good writer. What happened to ancient scholars who failed examination? All became "mobile" fortunate tellers, book writers and teachers liao.

Glennyuen, pls clear yr inbox, already full.

The english google translation is poor. Read the article carefully again. Esp the last 3 para, author believed only in HIMSELF, though he stressed he believed 命 and not 运 & disagree with the "sequence of arrangement". He believed more in humanity science than natural science.....

Though SPF can't produce practical & effective help on this, it is SPF's CONSTITUTIONAL DUTY (they take taxpayer's money, should make them work for you)to crack down any CRIMINAL act. Not updating address within 28 days is classified as "criminal act". That is why I said earlier that please take down officer's name, report number and date. Go to meet Wong KS if this criminal act can't be solved within a certain time! Next, you have everyright to COMPLETELY ignor those letters(white, or red) where you are not the addressee. Anyone(except police)not that you know of come & harass you, ask police to handle, as simple as that.

Ensure your investments in OA yield >2.5% and >4% in SA. Anyway, afterall, the "profit" still go back to cpf account. Towards a conservative & logical approach, while making monthly payment, make sure the OA also growing. Till a certain point of time (say 50k or >), then do a partial payment towards o/s loan amount, to cut down the interest and make changes to tenure. There is no quick way. The longer the tenure(slowly pay as muffin quotes), the more "interest" one needs to pay.

No complaints = no actions from SPF, therefore no alert to public prosecutors, tenants are at large. Even complained, SPF has no "strategy" to act on situation like this(pt 3). The supercomputer at SPF stores thumbprints of all citizen, perheps, SPF should input the "culprit"'s biodata & work with ICA's computers at various checkpoints to deny entry/exit when "culprit" happen to be gaining entry/exit there.

1. SP's SAP computer programme is smart enough not allowing 2 different clients' ID under same address, otherwise SP eats north-east wind liao. SP will get court's order to deduct o/s amount from that person's cpf account as & when they deem fit. 2. Statutory boards letters received mean this tenant has not updated his address! It is illegal thus constitutes an offence if address not updated within 28 days after moving out. Public Prosecutor has the POWER to bring him to court. SPF will notify PP if to bring him to court if SPF has the evidence which needs to be provided by you! This is a criminal act, SPF has the constitutional duty to handle this. 3. Question is, can police catch hold of him? If I were you, I will make a police report, attached with the relevant letters on tenant's name & IC number. Frame up the police report, take note of the report number, name of police office who makes the record, and the date. Keep all the incoming st board letters (write date of receival on outside), discard the rest of letters, for 1 month. If no improvement, go to MP with all the st board letters & the report.

Read here: http://img80.imageshack.us/img80/1276/hdbloan.jpg PM me your email, if you like to study the formular.

Many have voiced up this issue over & over, years after year, and gov turns a dead ear. OA withdrawal rule will be phased out in 1 january 2013. SA withdrawal with be increased from 62 to 65, and more to come. Minimum sum amout keeps increasing, until all "Money" in get "stuck" in cpf. Medisave account ? Gov should let the citizens vote if to PHASE OUT OA withdrawal rule, to INCREASE minimum sum year by year, to INCREASE SA withdrawal age ! Not just read and pass the Bill in parliament! Temasek Holding should ask all cpf holders if they want were to park their money with Temasek Holding willingly or not! http://business.asiaone.com/Business/News/...731-158244.html From 1 January 2011 those reach 55, can withdraw ONLY 20% from their OA. Further reduce to 10% from 1 January 2012. From 1 January 2013, withdrawal rule phase out liao. Can withdraw only $5k for buying candy. It takes Egyptians 30 years to build up the "dissatifyiers" to say "ENOUGH !" and acted. Would not be long to be our turn here if gov still turns a deaf ear to the voices.