bepgof

Cup follows me everywhere - most time at my customised long study bench, sometime at dinning table, sometime on top of shoe cabinet (2 feet tall only) while reading newspaper on floor. Sometime read newspaper at dinning table too. Once I had a coffee table-my legs always put on top, couldn't help, very naturally.

Ah Hia & Ah Jie, Mankind's biobody resistance to dieseases attacks the lowestst during 7/11/10 to 4/2/11, highest "natural death" rate during this period(check Tue or Wed?'s Shin Ming Daily News). This associates with Sun/Earth/season. After 立春, be prepared to chiong, after Sept Equinox, be preapred to slow down and 养精蓄锐 for next round. Hope I need not to mention this again. http://img262.imageshack.us/img262/2568/24jieqi2010.jpg When resistance low, mental will be distracted & lose focus therefore complaints follow. Follow Mother Nature, understand the cause/s. Take good rest, be prepare to chiong after cny.

If financially viable, should always hold the HDB unit, as Singaporeans. You'll understand as you grow older.

Hi Mark, thanks for the clarification.

I have no coffee table till now since 老大 learn to walk. Alway have to 化钱消灾 right? If money can settle, just let it does the job. See thread "is money everything".

Guess some miscommunications somewhere. HDB has only 1 "concessionary" mortgage loan interest rate, whether it is your 1st or 2nd time application, which is always pegged at 0.1% + CPF OA's interest rate = 0.1+ 2.5 = 2.6% presently. You should have already known the rate right after you applied for HLE for resale application submission, wasn't it?? 3.82% is quite "high" as compare to prevailing available rates(fix & variable) in the market.http://smp-consulting.com.sg/smpc/?option=com_content&view=article&id=62

Sorry huh for my chatterbox, busybody, ignorance, negligence....., pls accept my apologiessss.... Once again, thank you for your gentle reminder, feel very touch, feel like crying liao

Hacking on old flooring, dismantling doors & frames. Set up raw door frames (pre-made in factory)with support of some wood (horizontal & verticle). Lay marbles, so bottom of door frame embed firmly within marble slabs. Can do otherwise, but length of verticle frames must be ensured to fit the height(sit on marble) - usually ppl make the length slightly longer & knock "force in"- you know...wall (top of door) may crack after some time due to mechanical stress differences over the area.

Cos with gst registered can claim back those goods/services that bought by the Cos. Cos without gst registration cannot charge customers gst, and have to absorbe gst paid for goods/services under Cos' name. The rich becomes richer, poor becomes poorer.

Precisely, although my command of english is not that good. Tenants consume goods or services within singapore are subject to GST.

Let me guess the reasons causing sleepless nights: - thoses were starry nights, counting stars till could not sleep. No clouds, very warm. Got saw the Venus rose from horizon at east at 3am or not? - Looked at "3 little pretty flowers" reminded of her age catching up & wrinkle over face. Old liao. - Looked at mr. handsome and mind could not be helped rewinding back the sweet past memory.

Very likely from the "kopitiam" 1 to 2, 2 to 4, 4 to 8, so on so for. If got chance to see him face to face, I will clarify him, like the journalists do, ok?

Safety/noise is more of a concern if 2 "separated" bedframes to support a king size mattress. Got FS issue meh?

I seriously doubted if LKY has consulted then HC for FS issues. Merlion is sort of an icon of Singapore to "foreigners", relocation is was soly due to land reclaimation purpose, no more no lee. Lightning strike on merlion - collection of "too much" earth static charge(ion) so when storm clouds of opposite charge passing nearby, naturally there caused a "dischage" or "attraction" of two different charges. When need to be done is to install some ion dissipators on top of the merlion to make less "earth charge" at all time. SMRT's TVM(ticket vending machine)'s cashbox(black color, made of PP material) can accomodate maximum 900 pcs $1coin. When reached 850 pcs, a "cashbox near full" alarm message will be flashed over the station computer's SAP screen wthin the station control room. The CAU(cash Accepting Unit) in TVM is to validate the inserted coin throught 3 sensors in series, failure of validation coin goes to return cup, accepted one goes to cash box. The 3 inductance sensors detect "material", "thickness", & "diameter" of $1coin. The "guide path" in CAU is just slightly widen than the diameter of $1 coin. Many european countries then were using quite many coins of similar diameter coins of different thickness and material. The Automatic Fare Collection machines were manufactured by Cubic Western Data of USA. The CAU needs to be "programmed" by passing through same $1coin 100 times, during which the 3 parameters(material, thickness, diameter)data were store in a non-volatile RAM register. In 1986, I had "first hand" chance to use these "uncirculated" coins manufactured by Singapore Mint for programming & testing. After programming, many foreigner coins were used to "test" the CAU's accuracy. Finally test passed and "go ahead". Believed the "octagon" shape was then design to make "differentiated" from majority of european coins. If LKY believed "qi" or land formation, he would not have agreed to "block up" the common meeting point of singapore river, sungei kalllang & sungei geylang to form the present's Marina Barrage, some more he pressed the button to officially "open" it.

Just for knowledge. In present world, there are only 3 religions( Judaism 犹太教, Christianity 基督教, & Islam 回教)who believe in ONE God. The only and the only, no more & no less. Extracts from Exodus- second book of out 66 of Bible. 20:3 除 了 我 以 外 ， 你 不 可 有 别 的 神 。 You are to have no other gods but me. 20:4 不 可 为 自 己 雕 刻 偶 像 ， 也 不 可 作 什 么 形 像 仿 佛 上 天 ， 下 地 ， 和 地 底 下 ， 水 中 的 百 物 。 You are not to make an image or picture of anything in heaven or on the earth or in the waters under the earth: 20:5 不 可 跪 拜 那 些 像 ， 也 不 可 事 奉 它 ， 因 为 我 耶 和 华 你 的 神 是 忌 邪 的 神 。 恨 我 的 ， 我 必 追 讨 他 的 罪 ， 自 父 及 子 ， 直 到 三 四 代 ， You may not go down on your faces before them or give them worship: for I, the Lord your God, am a God who will not give his honour to another; and I will send punishment on the children for the wrongdoing of their fathers, to the third and fourth generation of my haters; So, naturally out of the belief, these 3 religions have strong sense of "opposition" to other religions. Christianity & Islam are actually developed from Judaism, over time. I've finished reading the 66 bks of bible, & many other supplementary bks on Jew's history. Sensitive issue, I shall not continue here, can PM me if you want to know more on this.

Always I see u good, u see me good. Everybody is so good, why only I no good? Just to share some of my life: - Saw late father passed away in front of me. 1st & 3rd brother almost fight at void deck cos of $ at wake of late father. - Late mother suddenly passed away in hospital while I was in NS. - 1st BIL passed away at age of 38 in prison. - 4th brother kept borrowed $ from ah long. Paint lah, chain lah all kena before. Mid-night 4-eye meeting with ah longs with chopper at side. - 4th sister almost kena divorced. - younger SIL divorce-in-progress, lawyer letter flying here & there. - No chance to go U, cos no $. Too many sibling, parents bo tahan. - Many relatives called home by the lord, young & old. - traffic accidents many times liao. So many more.... Planned: - 1st 2nd hand motor-bye at 20yr old, ~1986. - 1st 2nd hand 1000cc car in 1997, since keep changing cars. - 1st 5-rm hdb in 1992($124.2K), ROM in 1993, full redemption in 1998. - Boy joined the world in 1995, girl in 1997. - Bought a 3-rm condo in 2005, top in 1996, full redemption in 2008. - Sold 5-rm in 2007. - Bought resale 5-rm hdb in 2009, till now. - Bought f/h condo in 2009/july, under construction, top 2014. today is my 48 yr old birthday. The earth has carried me rotate around the sun 48 times liao.

I keep all sort of certs, td....etc in roll container with drying agent.

Look at cooperate image, total 3 pages with photos, all figures there got heads & faces leh. Look at chinese version, wow! there is a bagua image kena superimposed with singapore map.

You must have got your. In home's safebox? Laminated and frame up? In bank's safebox?

"...to one's advantage" = "in control" to achieve something one plans for. Politics = forces(driving vs retrainting) act on "events" to reach one's interest. You should go and study & understand "Organisational Behaviours" - one of the subject in management study. One strategy -get a strong backer as supporter, all "xiao ren" & "ghosts" will stay far far away. Remember: no politics no human. Got human got politics. All based on "needs" & interests". Added: I've studied French and Raven's 5 forms of power in 1991 during the managment studies by SIM. Web link: http://www.mindtools.com/pages/article/newLDR_56.htm Apply this to your life - Go through each of the power bases, and write down when and how you've used that source of power in the past. - Ask yourself if you used the power appropriately, consider the expected and unexpected consequences of it, and decide what you'll do differently next time. - Think about the people who have power and influence over you. What sources of power do they use? Do they use their power appropriately? Where necessary, develop a strategy to reduce someone else's use of illegitimate power over you. - When you feel powerless or overly influenced, stop and think about what you can do to regain your own power and control. You're never without power. Make an effort to be more aware of the power you have, and use it to get what you need, confidently and effectively. (copied from web)

Planning is one thing, actual hapening is another, all of us know. Only God achieve 100% target. Plan is always better than no plan, all of us know. So.... Key phrases are: "do home work before action" "plan for the best, prepare for the worst"-anticipation power comes with skill & experience!, 20% vs 80% rule applies. "make things happened to one's advantages" Never, even gong gong sit there do nothing or waiting for "others' advises" and wait for "things" to happen. "unwanted things" sure happen, then look for fsms?.

key words is "尽人事", not "鬼事"。

Win-win approach.

It is a fact & common sense that sharp corners everywhere and these pose bodily danger when get in touch with high impact of force, esp toddlers start learning walking tend to knock here & there unintended, so...doesn't mean "round" is good too. Different ppls having different degree of tolerance( like/dislike are too simple the word to describe),as to shapes of objects. No body likes to live in environment with many sharp corners exposed...some will have 心理压力 on these shapes. Fsms talking about this simply this is "common sense". Don't go too "extreme". Fsms know how to manipulate 心理压力 good enough, from "nothing", talk till "something" as if real. Watch out for this type of fsm.

HDB mortgage loan has no lock-in. Full redemption has no penalty, just pay up the outstanding amount. Just walk in to your HDB branch and say, I strike toto.... Added: Be reminded to tell HDB staff whether you want to the title deed, or leave it with HDB. NO request = keep by hdb.