bepgof

Wow, getting basic yet smell vulgar. If one's daily course of work can't follow the law of nature, it is sure BAD for him, no matter whether he is rich or poor, healthy or sick, young or old. Mankind is "odd" and take law of nature for granted. Things in front cannot see yet prefer to seek complicated. Spend $ eat fat fat then spend $ again to slim down. Aircon switch on cold cold and put on thick blanket. Putting on heavy ICI to pretend matured when young and dress like a christmas tree to act cute when found time longer with them. Married yet dishonest the wedding vow. Perhaps, i guess, their stomach are full and found life is boring by trying to do something against the law of nature, to get satisfaction? The Dragon arrives a bit "late" this year but will stay put for 13 months(leap month in lunar May)For sure, it will make more hungry ppls and hope can turn them back to look into the basic and respect the law of nature. Argument starts.

Prof Rat, Give home work to forumers to practice academic writing? Forumers can write at least 2,000 words thesis-style arugment on your sentence.

True to some extend, as long as the coverage not extended beyond those so called common property. MC has guidelines as to "cosmetic" of outlook of building. Ask MC first before reno. Quite "noisy" during pool peak seasons, and those "wet" traces here & there, good luck.

Shaggydong made a claim, K made an argument counters the claim. There is no right or wrong. Anyway, Milk + Honey + Coffee is a perfect mix! Must try one day at coffee shop. We are all adult liao, I'm just practising some academic writing, if the standard is not up to par, don't laught hor.

I'm curious too. Sweets in angbao and $1 psf also mentioned but no mentioning of WHICH or BOTH she adopted. Great masters "usually" in "self-actualisation" stage of life. They "seow, seow". Look $ as if sweet and sweet as if $. They prefer something "intangible" in return or no return as they please, i strongly believed. Those who collect $ as return yet to reach the "self-actualisation" stage. May be I read too much & use my brain too little?, lol.

Milk & Honey man, i know you like to sweat $ for $.

An eye for eye only ends up making the whole world blind.- M.K Gandhi

Wish ALL a Happy DRAGON YEAR(壬辰)in the coming. Just to share: 1. Theoretically, the DRAGON year(壬辰) comes only from 4 Feb 2012 onward-Gregorian clender, the date chinese termed 立春. 2. So we are in RABBIT YEAR(辛卯) till end of 3 Feb 2012. 3. Those who study Bazi should have known this. So remember to remind those who are still in the "dark", tmr. Oops, Dragong Year has 2 x May = leap month, remember.

You mean academic "research"?, then present it in paper-form? Discussion? Remember this: "you can discover more abt a person in an hour of PLAY, than in a yr of DISCUSSION" In real wrold, one always find himself need to do many "experiments" by "trial and error" methodology = apply for looking for a "good" fsm. Experience gains through experiments. Number of "bitter experiments" can be significantly reduced if "homework" done before commencing that "experiment"! No "guessing work" if situation allowed.(you'll know what I mean when you taste the "fruit" of this work) Enjoy your homework and experiment.

Completely ignore the "comtemporary" theories and theorists on door facing issue. You'll find no conclusion till yr last breath. Try understand why ppls in northern semiphere prefer N-S facing. The same applies for those live in southern semiphere. Note: N-S means airflow through N to S or S to N. This is more than enough on "direction" stuff for FS. http://www.renotalk.com/forum/index.php?showtopic=25191&view=findpost&p=565756

I'm yet to buy a Texas Instrument BA2+ finaancial calculator for cal npv for various "investments" - FD, insurance...., those movables & immovables... The "paper loss" just brush aside, it is important but not urgent, i can wait to "reap" them one day. Opportunity cost is quit academic but this concept must always be in mind when one does "investment". Mkt is volatile, the "paper loss" amount, at every seconds, up & down. Last Dec again, SIL was mentioning the monthly $300 maintenance fee for her S1 girl is insufficient....ended up wife & I sat together, seriously cal the monthly expensesfor our 2 children(JC1 ans S3, this yr), everything apportioned to monthly: to my "horror", they "consume" us, monthly, slightly >$1k each! The knowledge to investment is one thing, skill(knowledge+experience) is another, behavious(skill + value systems)sums up the rest. Invest while young, fall can always stand up again. Do investment at old age(say >50yr)without prior skills, kill.

Hi bro BK. it is a matter of fact & time that, all men and women, will be one day called Ah Chek or Ah So. No onw will be "spared". I'm at end of "baby boomer", many of the forumers could be fallen into Gen X, Gen Y or even what "straberry" and other "fruits". Act fast, time stops & waits for no one.

1. "actualise" means actual losses + actual gains = $31,682, during the whole year. 2. "paper loss" not reflected in book. 3. Actually should consider a few "opportunity costs", if this $250k were put in somewhere(s) else: - bank saving/FD account, 1% interest - Bonds, gives 5% pa return (less liquid) - Foreign currency capital gains+ interest gain, perhap 3% - Gold trading, if timings right ~ 15% - Other businesses? Golden rule(sound simple but not easy): Decision made yesterday is result of today. Last yr ~ sept I "actualised" an "investment programme" by submitting my registration which I supposed to have initiated some 19 yrs ago, when I choose to "receive HDB key", instead of choosing this "investment programme". Time really flies. This "investment Prog" =BBM(Bachelor of Business(Management)) by SIMGE & RMIT. 12 subjects, incl 4 electives on business finance. 2 years, $18k. I'm now in wk2 of the programme. Might come here less cos too many materials, to write essays with referencing and data.....really "heavy"..

To satisfy yr curosity. Market value aa at today = $ 73,600 Purchased price = $121,032.76 Of course return incl dividends. Worth mentioning, mid dec 2011, I let go some, lossing abt $7k. The capricon effect, for this year, seem not to be actualised.

Simi is SAW & MAGNUM? Ah chek's time is running out, no time to watch movie. Ah chek tried dry Vodka before but never used any lemon twist as garnish. Ah chek guarantee you: - No gains without pains. - To face difficulty is to go through it, walk out fm your comfort zones.

Can ! Get "written approval" from HDB only mah. OTP clause 3.1.b

Seem "logical", got such expressed legislation?

Tease yr big head, I'm serious. Ah hia this yr, starting fm 12/1 till Nov 2013 busy schooling at evenings beside normal work, no time and energy to play teasing game with you. Men are forgetful, forget those posts I made on how the "黄道吉日" comes about? Don't mix up with "黄道忌日" hor. OK, long story cut short. Beginner courses: http://www.analemma.com/Pages/framesPage.html http://www.physicalgeography.net/fundamentals/chapter6.html http://space.jpl.nasa.gov/ http://people.bu.edu/sscruggs/earthandmoonhome.html http://www.math.nus.edu.sg/aslaksen/calendar/chinese.shtml#Why http://www.iching123.com/64_hexagrams_list_text.htm Quick fix courses: http://www.hdjr.org/ http://www.nongli.com/item4/ Can really "fix" or not, don't ask or blame me. Experience tells me that "auspicious date/timing" selection based upon the basic rule of thumb of "meeting together" of 天时，地利 & 人和 for that particular event. Event = Open door = open ceremony? Ask your goodself: 天时: morning? afternoon? night? Windy day? sunny day?, raining day? 地利: Want to let many ppls know? Quitely carry out? Lion dance? 人和: Ensure "everybody" convenient/happy during/end of process, incl family, visitors, neighbour...., always prepare some "sweetener", don't say I never teach you. Believe now you roughtly got the "picture".

Does it make significant difference? Doing capital budgeting? Not worth spending time & precious "brain power" in keeping track price of a basket.

The 2,3,6,9,12 are actually refer to "moving average". Returned to teacher liao? Example, say 3 month MA: Jan=0.5 Feb=0.4 Mar=0.3 So 3-month MA, as at march = (.5+.4+.3)/3 = 0.4% Apr=0.6 So 3-month MA, as at april(drop the Jan data out) = (.4+.3+.6)/3 = 0.433% Same approach applies to those 6,9 & 12 month MAs. The 1-month is a "single-tier" factor, up is up, down is down, no more & no less. Those 3,6,12 months are "multiple-tiers", if the coming month's rate, either up or down, the "resultant MA" effect is not so "severe". In above example, would you prefer a 1-month sibor which jumps from 0.3% in mar then 0.6% in apr, or a 3-month sibor at 0.4% in mar then a 0.433% in april? Look like Euro would be weak( so USD strong) in coming many months(sibor/sor will inch up), and based on the facts that the past 12 months' sibor rates were pretty low, so, if NOW I were to take a mortgage loan, i would choose either a 6-month or even a 12-month offer, see the point?

Good piece of writeup, deserves only a "credit" scale. More rooms for argument, especially in the areas of "skills & techniques", "capital issue", "risk and liquidity", "tidal & archery effects".......& many many more, youngsters yet to "experience", not "read from books". Thank you for your compliment. I dare to say, I deserved it! through accumulation of "experience" throughout past years.

Want to calculate the min or max gravitational pull from panets at particular date & time, so door can be open easier? New moon the heavier, full moon the lighter. - Download the tide table here. http://www.rafflesmarina.com.sg/marina_tid.htm HT=heavy pull, LT=light pull, look at hours columns.

Say 1 mil.=$1,000,000. 1. Booking = 5% 2. Stamp + lawyer, abt 3%+2%=5% 3. Cash payment = 20%-5%(booking) = 15% Loan =80% Total = 1+2+3 = 25% = $1,000,000 x 0.25 = $250,000. Your cash($200K) not enough le! You failed the homework! Monthly instalment = $3,860 (Loan amount=$800,000)for 20 yrs at 1.5% interest rate. Best to "empty" your cpf OA as much as you could. MS & SA, haizzz, can see but cannot touch, better don't see or even "think" of them, treat them as if "dead".

Believed you belong to GEN-Y, yet to taste the REAL power of CASH. Golden rule: Don't activate CASH to pay anything, unless no choice. U forgot to set the price of the 2nd pty. If u set, I will tell u the what/how/why.

1st sentence: No gains without pains. 2nd sentence: Once pained, comes experience. 3rd sentence: Experience impossible to pass down by words. 3 quotes more than enough, use your "instints"-give your order to the one you feel "most comfortable". Build trust and relationship, you may need him next round. Same item of different "materials", price varies - how to tell you here?