bepgof

Already engaged lawyer right? Many correspondence will fly in between u & husband on T & C, negotiations. Meeting with HDB oin one-way, yield no result. Consult lawyer's opionion is the best.

All things come at costs. Phase 2 C has no guaranty to a seat. Voluntary service to school a year before enrolment helps. Good schools always have many volunteers. "Service differentiation" is the key. Don't say I never highlight to you.

Who is that someone? He "elaborated" by lip service? I now elaborate you with figures. 1. $300,000 for 30 yrs @ 3% interest flat 2. At end of first 3rd yr, outstanding = $280,632.48, take as $280,633 and carry on with 3% flat 27 years for another 3 yrs. 3. Or, at end of 1st 3rd yr, you switch and refinance. Outstanding amount = $280,633, for 27 years, at 2% interest, tenure=27 yrs, for 3 years. Figures speak for "themselves". Monthly instalment/payment toward intest/payment toward principal 2. 1264.81/701.58/563.23 vs 3. 1121.66/467.72/653.94 So would you choose 2 or 3? If no other opportunity costs involved. http://img222.imageshack.us/img222/9547/130000030yr3pc.jpg http://img132.imageshack.us/img132/1115/228063327yr3pc.jpg http://img221.imageshack.us/img221/9891/3r...063327yr2pc.jpg

Grand master TKY got new book launching cum signing event, don't know who chiong ah. http://img29.imageshack.us/img29/9122/91257398.png

Can tell who is the fsm? As long as the lighting won't cast the shadow of turning blades, then it's ok. Watch out for sunlight reflection too. KDK's 56VK got Led light, at night with lighting off, look nice.

Where got cheem. Similar to new moon(moon in between sun & earth)so no one can see moon even at night. Full moon (earth in sun & moon) everybody can see a round-moon at night. When "Aquarius" in between sun & earth, thought the stars are there, no one can see them in day & night. However, at "night" location, half of earth blocks by sunlight, all ppls can see "Leo". That is why I say one needs "imagination power".

Not heard, true fact, unless these fan built with OT light which casts no shadow, when rotate. If the ceiling fan makes your mind "kong kong" then it is not a good choice of brand/maker/model/type, same apply for lighting. My common sense worths.

The "interesting curve" look like is the terrace house's price index. Here is PI for majority catageories of pte pty, but did not breakdown into F/H, L99,OCR,CCR,RCR..... http://img195.imageshack.us/img195/8625/pr...etrends2010.jpg No one can tell what will happen tmr. Can only agar agar based on past trend + prevailing mkt conditions/short-long term economic outlook....So I say: Price drivers: - Low mortgage loan interest rates - likely to maintain for a year or 2. - Low bank deposit interest rate - investors invest "somewhere else" - Bridght econ in Asia - global econ prime mover - > 10 years - High GLS, enbloc price, as long as CPI is positive, land cost will "all the way up" - Demand, immigrate inflow - slowdown liao, to how many? - USA QE effects - "hot money"- yet to experience the effect Price breakers - Supply > demand, who knows??Statistic Board? - Political unstablity - unlikely with 5 to 10 years. - Econ down? Unlikely within 5 yrs. - Domestic lending rates up, highly possible - SAR-like, super bug ?? - Energies crisis? - Great natural disasters, ash lah, snow, flood, winds....affect food supply, tourism... Whenever PI shoots up 15%-20%yoy, or 5-7%% qoq, government's "visible hand" will come in and "press" the % down. Typically Singapore's CPI has been maintaining at 3% yoy rate, meaning that any investment that yield > CPI is a good investment.

Before viewing, buyer should have these "figures" in mind liao. valuation range lah, COV range lah, cash upfront lah, cpf how much to activate lah, mortgage loan amount & tenure lah, agar agar how much to apy monthly instalment with prvailing market interest rate lah, if these "figures" have not even flashed across mind, strongly suggest don't do any house viewing, not to mention "buying". I paid 5K cheque on viewing day, arranged bank loan within 7 days... SPRs, self-employed banks very scare to "render" the "umbralle".

First must understand chinese star constellation's classification method: They are 4 "measurement units": 1. 垣 - stars grouped in "walls" or "enclosures", there are 3 enclosesures. 2. 象 - stars grouped in animals/symbols, they are 4 animals. 3. 宿 - lunar mansion, or zones. There are 28 zones over 360 degree over northern hemisphere 4. 星官 - "similar" to angmor's constellation. Can be as small as 1 star. Suggest you to buy books and read, difficult to post here. What you asked only abt 2 animals/symbol. Each animal has 7 groups of stars. With each group got different number of stars. Here come some pictures for easy understanding: http://img600.imageshack.us/img600/1470/40216549.png http://img819.imageshack.us/img819/9873/18485256.jpg http://img840.imageshack.us/img840/996/40830268.jpg http://img826.imageshack.us/img826/1084/63759081.jpg http://img34.imageshack.us/img34/6476/17951223.jpg http://img146.imageshack.us/img146/9831/83012841.jpg http://img683.imageshack.us/img683/5500/14098055.jpg

It needs one to have some imaginary power to understand what is "Ecliptic" or 黄道, thereafter can then comprehen “stars”. We know that the earth’s axis tilted at 23deg and 26minute and self-rotates CCW. Self rotate 1 round takes 1day. The Earth at same time moves along the Earth Orbit around the sun. One round takes 1 year. Celestic equator is an imaginary expanded(from centre of earth) version equator which is "parallel" to earth's equator. That is to say ecliptic plane is always "cut" with celestic equator at an angle of 230 and 26minutes. Ecliptic plane is "superimposed" or "parallel" (if look from sideway) to the earth's orbit. See pictures below to have better understanding. Some BC 5 years ago Babylonian astrologists(not BC 2000, remembered the figure wrongly in previous post) observed the existence of these constellations at different seasons and divided the ecliptic circle into 12 portions, each group of constellation occupies 30 degrees (do take note that some constellation slight bigger than 30 deg, some slightly smaller) This 12 groups of constellation appear at ecliptic's +/- 4.5 degress, so ppl around whole whole all can see by naked eye, unlike those stars at northern and southern hemispheres. Like 北斗星 can be observed only at location 30 deg N latitude and above. Now ,come the area of interest: angmor birthday & star constellation(horoscope) - Say one borns in Feb 21, The "Aquarius" stars will apear over the sky during day time. So one cannot see this group because presence of the sunlight, however, in the opposite, at same period, at night, one can see the "Leo" constellation. So on and so for. - So "questions" come: those born in this period(21/1 to 21/2), at DAY time is "Aquarius", at NIGHT time is "Leo". But we understand nowadays ppls adopt only "Aquarius", but not "Leo" during 21/1 , 21/2, then those horoscope's prediction, how huh? Chun bo? Take care only "day", no "night"? Another question(a bit chim) is that, when earth self spinning, its rotation axis location is not fixed due to the lunisolar precession slowly shifting westwards over the ecliptic with a speed of 1° per 72 years. The 12 zodiac observed BC5 till now already some 2015 years, so 2015/72 =28 deg shifted, meaning that location of these 12 groups of stars, with respect to earth have been changed. In other word, the stars appear during day time in 21/2 no more Aquarius, has become “Pisces”, so on and so for. Why the angmors still follow the horoscope??? Axial precession is the movement of the rotational axis of an astronomical body, whereby the axis slowly traces out a cone. In the case of the Earth, this type of precession is also known as the precession of the equinoxes or precession of the equator. The Earth goes through one such complete precessional cycle in a period of approximately 25,920 years. (72year x 360 degree) One needs "many reading" to understand above, hope I've summarised those essential portion with essential pictures. http://img339.imageshack.us/img339/7553/63649676.jpg http://img51.imageshack.us/img51/1153/71408161.jpg http://img196.imageshack.us/img196/9749/3eclipticpath.png http://img35.imageshack.us/img35/4125/412zodiac.jpg http://img341.imageshack.us/img341/2444/91714434.jpg http://img196.imageshack.us/img196/905/71207509.jpg

Hope to provide a ray of light to light up the little corner: - Ancient chinese maps's directional orientation always N-bottom, E-left, S-top, W-right, (6 o'clock to 6 o'clock, CW) unlike nowsadays' N-top,E-right,S-bottom,W-left(0-0 o'clock, CW)Many readers get confused, many books (esp english fs book) carry no explanation on this but sometime include pictures with both directional orientations. Some do orientation "conversion" only the top-bottom, & forgot the L-R conversion......like the bagua - in chinese directional orientation. I'm serious abt the 6 degree difference between magnetic pole & true pole (rotation axis). Because the longtitude and latitude are based on true pole, and navigation of ships & planes have to based on true pole not magnetic pole. If permanent magnets were used as directional navigator, in these carriers you can imagine the consequences. So, luopan is used to locate magnetic poles, not true poles. Good fsms should know the significance of both pole systems.

There would have no such chinese phrase: 塞翁失马，焉知非福 if one knows when is his "luck" or the opposite. Often, only after things happened(transacted) AND one looks back, will realise it was his luck or no luck. He who doesn't "look back", still "blurr blurr" in wonderland, looking for his luck.

I've mentioned the 4 celestial animals many times(here you mention only 2 out of the 4). Nobody ask me, i thought all of you know already. I thought you only fond of Bazi which stress "space" & "time". Finally, you show interest in Chinese star constellation where all the chinese astrologies originated., like bazi, ZWDS, many others....FS's formation concept was from "stars" over the sky" too hor. Allow me to be long-winded, better to be long-winded otherwise all of you will see all the stars over the sky and that's all. And may not answer to your question in this post here, be patient. Better be patient, because too many stars already, without a good "mentor" one will just watch stars. Some years ago, I already started learning system classification of stars over northern semisphere (Chinese star constellation), too bad Singapore is 1 deg N in latitude, & too much cloud and no high mountain, though I have a powerful telescope which allows me to read moon's surface, other than moon, can see also venus and Jupiter from naked eye. Only lately come to learn some angmor stars, then come across the babylon's 12 animals or zodiac invented some BC 2,000 years ago and learnt the imaginary circle called celestial equator (黄道) and realised that there has been a some 30 degree shifted of the 12 zodiac. Tai Sui, San Yuen's 20 year a cycle concept, 24 jieqi......all related to stars. Let not talk about the "stars revealing heavenly will" - an outdated belief. Stars also has to with with chinese's half-lunar half-solar calender - the one and the only one in this world - you will understand when you go into other contries' calender structures... also got to do with stars.... May be let others to kick start the topic, I take a rest first. If I go into details suddenly, all will get lost somewhere in the space. Note: Also best to have some fundamental knowledge on Sun, Earth & Moon relationship to understand other stars further. I've explained and posted before but no response, I taught all knew that already?? Or topic too "cold".??

I would adopt contingency approach = it depends.... Condo's swimming pool: Always a "selling" point - Watch out for noise, especially children during festive seasons, sat/sun/Ph - Sunlight reflection at certain angle. - Humidity for long term Reservoir/Sea: - Sunlight reflection - Salt content - North West Wind breeze

Luo Pan is nothing more than a permanent magnet (of superior magnetism, made of Neodymium-Iron-Boron) with south needle painted red. Built with "rings" - those rings are actually "cross reference tables". Maximum is 33 rings, so far. Each ring has its functions, eg, 0-360 deg, 10 heaven & 12 earth branch, 24 jieqi,..... 1. Steel structures built within buidings disturb and distores earth's natural magnetic lines, thus Luo Pan get erroreous readings. Mountains with vast iron affect reading too. 2. Power cable with huge current (whether AC or DC) passsing through affect the readings too. 3. Sun's black spot activity affect Earth's magnetic flux too, so does LuoPan. 4. Earth's N & S poles are called earth's magnetic poles, this pole has a 6 degree(If I remember correctly this figure)tilt with earth's rotational axis. Meaning that all permanent mangnets indicate ONLY the MAGNETIC POLEs but not TRUE POLEs. Only Gyroscope or Gyrocompass is able to indicate the true poles, and this instrument is nowadays installed in marine application for navigation. Its readings are not affected by external factors. FSMs should bring this and take picture leh So, what makes luopan great are those "cross reference tables", not the permanent magnet itself.

Of course financially sound is no1, but not the point of discussion in the thread.

4 heavenly animals suggests: 1. Spacious front, 2. Left with mountain/building, taller than the one on right 3. Back with mountain/bushes, wall, etc. Never have pond, cliff, drainage, etc See those chinese grave tombs in CCK, will understand the concept of the 4 heavenly animals.

Understand charts/tables AND action.

Give an example to help explaining: When you are sick, professional doctor prescribes some medicine to cure that particular sickness. However you refuse to take "western" medicine and go & see a chinese TCM who prescribes some medicine and you take SOME and let immune system to fight and after some time sickness recovers. Bazi report suggests one the strong & weak elements, 刑、冲、害、化、合 components and relationship as well as many pointers to smoothen or hinder one's performance and therefore suggest some "optimise mix" (reality is that these "pointers"-tabulated in tables and charts are so general that one is hard to quantify them, can only agar agar). However, due to many situational conditions, one decides to do his own "mix". So..... It is always a "AND" condition, or "OR". You can borrow money from some someone provided he is rich AND willing to lend you. If you follow the table & charts will yield the best, but report never never mentions "WHATs are the best"= THIS can be the best, THAT can be the best too, so.......likely you will eventually conclude wasting all the resources you spent on bazi analysis.

A good thread, hope to add some, more on "controllable" environmental issues. - Existing and potential future noises - Sunlight direction - Surrounding buildings blockage, therefore airflow, potential future buildings - Traffice entrance/out going - Ren qi(human traffic), overall. Too quite/too much/noisy no good. - Humidity, air quality - Avoid "front", always "sit behind" to oversee - 4 heavenly animals formation - Building structure, formaton...... To me, "house audit" to negligible is "macro" is done properly.

Interesting indeed! Printout in English or Chinese? If angmor, I wonder how/what are those terms being translated, should look out for: - your "喜用神" - 刑、冲、害、化、合 relationship - 地支生旺 table - 四柱三元：天元、地元、人元 - 日干旺衰和十神生克、十神功能 - 胎元命宫 - 十神分析 - 十神总论 - 十神心性 - 大运小运 - 八格外格 - 富贵贫贱 - 断验集锦 - 吉星凶煞 Thereafter, commoners most interested: - 性格职业 - 健康仪表 - 祖业父母 - 婚姻 - 子女兄弟姐妹 - 财运、官运、功名 - 僧佛之道 - 流年运程 Bazi analysis is complicated and time consuming. One a life time analysis is enough. Explaining the tables/charts already take time. A computer aided tool is always the best for such chinese astrology. A "manual calculation" face-to-face consultation within a hour or 2 is very much short cut and will miss out many things and does not serve the purpose at all. Bazi analysis covers many things, always have recency effect (know the tail, forget the head, unless has a report to read....)and since covers so many things so "very chun". It characterises one's character tendency,suggests wu-xing elements to maximise the mix, and therefore the "destiny" in furure. Whether for one to follow the table/charts not is another thing hor. It can't predict the future, simply the one's future still depend on one's hand if to carry out as accordance to the tables/charts. Carrying out correctly, timely again is another thing..... I shall stop here, otherwise forumers will say I too long winded.

冬= Winter 至= arrival 冬至 = winter is coming to town. Since earth is tilted at 23.5 degree and self-spin CCW along the axis, generally those areas ( 23.5deg N and 23.5deg S latitude, say Taiwan(30 deg N) and Sourth Africa(30 deg S)) cannot sense much difference of the season changes, not to mention Singapore. Equator is 0 deg. Singapore's latitude is at 1deg N. http://img42.imageshack.us/img42/3500/worldmapx.jpg http://img502.imageshack.us/img502/97/generall.jpg These celestia spheres' location change, living & non-living things ob earth do change thus have bearing on FS = Ambience temperature changes are vital to living things. Wind flow direction change too, the sunrise, sunset, inclination angle all change too hor. Always remember, northern & southern hemisphere's temperature always in the opposite. Taiwan now cold but south africa is hot now. North pole now dark dark, & south pole now bright bright. Above is the basic to star constellation, hor. When got time will tell you about the angmor's (exactly is babylon's)12 zodiac or the chinese called 黄道十二宫. Anyway, you don't practice eating 汤圆?

Today (22/12/2010) is 冬至. Is a day to eat 汤圆 (I ate late night liao), and to celebrate unity. It is also on the northern hemisphere this day that having shortest day time and longer night time. After 冬至, northern hemisphere will experience the period of "coldest of the year", till 立春(beginning of Spring) When "Wood" start to grow. This is also the day the earth closer (Perihelion is closest) and falls on chinese's 17, so moon reflects most sunlight from sun, so moon looks brighter..... http://img703.imageshack.us/img703/2568/24jieqi2010.jpg

Would do the same if I were you. Somemore, wife got one super-heavy safebox, I don't know the password....