bepgof

Well done. Frankly speaking, I found HDB's style of putting common tiolet/bathroom within kitchen is not so practical. May be this idea was originated due to cloth washing & drying concerns. Need access 2 doors to visit the tiolet. kitchen is where all cookings and eating are to be done and if possible, dining table should be there too, so to minimise movement of plate/bowls.....Now got service balcony...still need to access via kitchen, sigh. I have a shared "study corner" with daughter of 2 long benche,with laptops/printer & all necessary stationary, files....all in wall-mounted cabinet. Most of the books landed in storeroom, sigh, too many, wall-mounted cabinet can't accomodate all. All my RC hobbies stuff landed in storeroom with all the tools. Electric induction cookers is the trend and gas-stove likely will get phased out sooner or later. I saw most of new private show rooms come with this induction type, no more gas. Steamboats will be induction too, then all those "magnetic waves" come which radiate through all directions....

No "touring" hor, make sure only research work-see compass can work there or not.. And, how to identify east/west from compass.

Wu xing stresses result of when 2 or more elements "interacted" together, not side by side, parallel or opposite. To put it plain: When water being splashed onto fire, fire goes off = result. When they are next to each or opposite, nothing wrong. TCM stresses this. In fact, best to have water source near to fire source... firemen know why. Ancient ppl's tiolet usage & today ppls tiolet usage already so different... why bother abt stove, tiolet, sink? Convenience is more important.

- self employed - no steady income - too "old"

Really become "uncle" liao - eye sign poor is one thing, mind don't know think what, paiseh lah, very sensitive to "unable to rapay imstalment"... No experience on both yet leh. Just ke ke first lor, just wait for 1st red letter and some reminders then pay interest. But utilities must be paid first, otherwise have to watch TV programmes at CC, take shower at public swimming poor and candle light magee noodle at home. At least can "tong" 6 months, I think.

Tow to where? Breakdown vehicle during traffic accident, TP authorized vehicle to be towed to scrap yard only. Towing without authorisation is amounting to stealing hor.

Grand-master always only stand and put their hand at back and watching he grand-disciple doing frontline fighting, he just smile.... Grand-master will hand on for long standing and "valuable" friends.

Aiyo, you bad hearted. I saw ppls put plastic chair lah, pole lah, big tin lah, pattern laio laio...

Go to this: https://services2.hdb.gov.sg/webapp/BC31ISOP2/BC31SMain standby your credit card number and email account.

To put it plain: 1. Those bankrupt who take HDB loan need not to sell their flat, to pay creditors. So now can borrow money and default payments liao and still got "roof" to cover, provided you are singapore citizen. 2. Those bankrupt on bank loan, need to sell to get poceeds to pay creditors. While in the state of bankrupcy, to sell or to buy a smaller hdb unit to stay, need consent from OA.

Whether owner is a singapore citizen or SPR, make some difference. Extract from web: Under the Housing & Development Act, so long as one of the flat owners of the HDB flats is a Singapore citizen, the HDB flat (of any type) will not vest in the Official Assignee ("OA") in the event of bankruptcy of any or all of the flat owners; ie the flat owners would not be compelled to dispose of their flat. However, notwithstanding the above, if the purchase of the flat has been financed with a mortgage loan from a bank or the HDB, then the flat may be sold by the bank through a mortgagee sale or compulsory acquired by the HDB in the event the owners default in the mortgage repayment and run up mortgage arrears. The Official Assignee's consent is not required if a bankrupt wishes to sell his/her HDB flat which does not vest in the Official Assignee. This applies to bankrupt flat owners who belong to Singapore citizen households. For bankrupt flat owners of Singapore Permanent Resident Households ("SPR households"), it is a requirement that they get the Official Assignee's consent before they can sell their flat. The letter of consent must be obtained from the OA before the owners grant an Option to Purchase to the prospective buyers. The Housing Development Act(HDB)is powerful enough to ensure & "protect" singapore citizen has a roof even thought he is bankrupt. Catch the "ball"?.

Look at this world map, may be can help you to visualise a bit. http://img408.imageshack.us/img408/6189/worldmap.jpg Especially on the last pillar of the "4 pillar" (time = 2 hour interval), how the 2-hour interval(360/12 = 60 deg)covers the geographical area on the earth. Meaning, at a particular time, ppls born with this zone having same "destiny", irrguardless of sourthern or northern hemisphere. Imagine you & yous wife at north pole, and she is due to deliver a child, what time, how huh?

Why not? "South" needle will stick to north pole and "North" needle will stick to south pole.(Added: North needle points towards sky, place compass vertically, but you don'r know where is East & West). Compass malfunctions only in places where are no/weak natural magnetic lines, eg enclosed room, walls built with iron/steel mixed with Ni-cd compounds. My questions are: FS direction issues applicable in norther hemispher, can we copy them "without any changes" and apply in southern hemisphere, say in NZ or Australia. - 24 jieqi jie qi is not applicable , due to earth's 23.5 degree tilt which causes 4 seasons. - "South" concept in N.H., need to change to "North" in S.H, and vice verse? - "East" concept in N.H. change to "West" in S.H? - 12 animals ? - Heaven & earthy stem & branch's directions and ying yang concept? An Australian uses bazi analysis, how to settle "direction issue" mentioned? - If Australian uses flying star, then how huh? Above will brain storm you on "direction issues" mention in FS. Must know the Cause and its Effect. 知其然，知其所以然。

Anyone knows "How" does the directions being applied to place like north pole & south pole? FS was "invented & developed" in china where situated in northern hemisphere, how does these direction stuff being applied in southern hemisphere? Say flying stars, bazi and bagua... Just to brain storm about the "direction stuff" in fs. Please....

Count yourself fortunate that no deal done. There are plenty of good houses out there, take your time. When come to "hot" house, always like that. Agents start to manipulate, best talk to seller directly for firm price. If seller undecisive, be prepare to go into bidding war, or simply just walk out. Esp true with units which have good panoramic view, high flr, good location(with good amenities), no evening sun.....

I don't cultivate money plants, I cultivate figures in bank accounts. Have tried many many potted plants like different species of Azalea, lemon tree, cheechu, different types of chille, tomato, Cacti - esp those ball-shaped, step-shaped, clustered form, succulents - "stones", some other miniture fruit trees....Don't like indoor plants, green green, no flower, not nice...Have tried hydroponic too. Flowering plants love "fire"- sunlight. I'm a plant "siao".

Your money plant needs "barber" service liao. "Hairs" too long and messy liao. Stagnant liao "Olds" don't go, "news" will never come. Give up some old, will bring more new, ok! Anyway, there are too many different plants are named "money plant", is this the one you're refering to? http://img827.imageshack.us/img827/1921/moneyplant.jpg

Confirmed tomorrow open liao (16/12/10). Just received brochure from letter box!

For chinese, 子 always used AT the 1st character of a 2-character name, 子中，子建，子仪 。。。。。。。Late president Ong TC's son also center-character with 子. Son's japanese friend's sister name: 山崎美至子。Wow, bo paiseh, parant name daughter : "utmost beauty". Only lately I realised that they know how to write, but don't know the pronounciation of chinese characters, very funny.

Japanese know how to write chinese character, but don't their pronounciation. The 子 in japanese's context is for female only. Japanese's surnames followed "what they see", you studied history will know why. What Well lah, within the rice field lah, the entrance to mountain lah......

Wrong ! Fixed rate is not equal to "flat rate". Flat rate: P= principal I=interest Yr= # of year P= period = # of yearx12 monthly payment = interest(fixed) + payment towards principal(fixed) = (PxIxYr)/Period + P/period For compound interest rate cal (very complicated, need software) If M=100,000 I = 2.6% period = 360 monthly instalment = 400.34 (1st payment) Interest portion = 216.67 Payment toward principal = 183.67 monthly instalment = 400.34 (36th payment) Interest portion = 202.21 Payment toward principal = 198.13

These names "look" grand. No 1 master, don't play play hor. No all can call himself 子. Like 孔子，孙子（孙武）。。。。

What is skillsets? Sector Skill Council?

Need not to apologise for ignorance, even a professional accountant also "see stars" over interest rate, capital, present value, future value, period.....& get confused too. Existing Singapore's car loan, reno loans, etc are using "flat rate" which is quite different from home mortgage loan. Basically, mortgage loan uses "comppund interest" calculation, period = 12 months. "Capital & interest mortage", as its name implies, it is the "core" for all mortage loans of fixed, or variable interest rate calculation. In other words, there are only: - fixed, or variable (minimum period = 1 month) mortgage loans. HDB mortgage loan has been maintained at 2.6% for quite some years, which can be considered as "fixed mortgage loan". Has to use PMT financial function to calculate the monthly instalment amount based on - prevailing interest rate, - existing outstanding amount, - instalment periods, in term of month So, monthly instalment = monthly intestest (reducing from each period) + monthly payment toward principal(increasing each period). Period = 1 month. Such that the monthly instalment amount to hold fixed for 12 periods (Jan to dec) *** Monthly interest for each period is computed based on outstanding amount at "n" period. So it is different everymonth, unlike the "flat rate" method.

动土, ribbon cutting, ground breaking, moving, wedding...... events (whether small or big)etc are human habit (norm, in community)aiming to announce to world at large: Hai, look we are doing this, siam ah........in one way or another, it is kind of "show off" of status. Tio bo? - Wedding date, we fixed ourself, as parents alreas passed away, eldest sister said, "up to your convenience". - Making of children, we fixed ourselves. Which schools to go to we choose ourself. - Bought condo, put deposit, we decided ourself. - Moving out/in, we decided ourself. - Changed jobs, we decided ourself. - Celebrate birthday, we made our own. We are the ones facing the consequences of our decisions! What's so special about turning on the stove?? Turning on the tap leh? Tiolet bowl "commissioning" leh? If all these need "auspicious" date and hr, then can we choose when to die? Life already full so some many events which we can't influent its outcome. Why act pressure onto one's. A norm is a norm (usually acted by senior or community), if you have no pressure from "senior", just follow rule of doing these "to your convenience", no one will finger point at you.