bepgof

Aiyo, my name being mentioned, must response. Correct, new age FS = "new ingredients" addition to "classical rojak". No change no gain not always holds true. Obama's change, change, change, yield any? Some time, don't change better than to change, remember "干卦“ 's 初九："潜龙勿用"? Patience pays. No pain no gain, I 100% support.

Master Chang, comprehensive, $269. 高手一出手，就知有没有.

Don't get excited too soon. Stamp fee MUST be paid in CASH first. One can reimburse the paid CASH amount from his CPF OA account, provided he fills in and submits the prescribed form (can't remember the form's name). There is a grace period for this form to be submitted, quite many "traps" here & there, watch out.

Pls allow me to chip in. Academical question deserves academical answer: " knowing and understanding is one thing, applying is another thing". Knowing does not mean applying. Identifying and knowing the "right things" is another issue. If and only if FS is magic, it could "transform" from something to anything you like, so it were 100% and if synergy added, it is >100%. I've repeated too many times, fs deals with mother natures or laws of natures. To know, understand and apply laws of natures allow ones to "blend into" with the Mother. Things around one will get "smoother"(because see through liao), but at times, ones have to make painful decisions tot blend into with the Mother.

Getting HDB's lawyer to act for bank??? Don't worry abt the laywer stuff, unless you pay full in cash/cpf. Seem you've not exercised the otp. You have only 14 days (from the day you paid 1K) to apply for either HDB loan or bank loan. Time is very short. When exercise the otp, you must have the mortgage loan arrangment settled, then can apply for " submission of resale application". Before apply HDB loan, must apply HLE first. Banks need quite many docs to assess your earning capacity b4 granting you the required amount, will take at least a week for processing, need valuation report....Not to scare you, banks' loan mortgage application forms, abt 6 pages to fill in.... Time is not with you, must act quick. You have reversed the sequence - should have attended the seminar b4 buying! Remember this: "Make sure know the rules of game b4 playing the game!". "Losser" always get caught with the rules!.

- Must ask to read the POA, ensure names mentioned tallied with ICs'. - Since cheque made payable to seller's name, u have more strong ground to demand to read POA. - POA holder must be present during 1st & 2nd appt. - HDB loan/bank loan? It is lawyer's job to lodge caveat to SLA. If pay cash full at one go, then u need to engage lawyer too to settle transfer of ownership of property. http://www.sla.gov.sg/htm/new/new2003/new0222.htm

Seem forumers here are either reserved or humble. Yhy don't try to "go into the tiger cage, to find out if there are any little tigers there?" From tables attached in prev posts, one could tell that year pillar has 60 possible combinations. month pillar has 60 possible combinations. day pillar has 60 possible combinations. time pillar has 60 possible combinations. So, in total possible bazi combination, made up of 8 chinese "numerical character" = 60x60x60x60 = 12,960,000 The fundamental problem with bazi is the different significance( or different weight) of yr/mn/day/time pillar that interpreter put on. Bazi is like a plant. Yr piller=root, month=stem and branches, day= leave, time=flower & fruit. Zhi Peng said "day" is the most important. But when come to the process of "推命" for the small/big "流年", all pillars need to be used. The "干“ in respective pillars tell the core "outlook", whereas "支” in respective pillars tell "intrinsic characteristic" of one's. So, which is which, I still very confused, frankly speaking. How the wuxing's "sheng" and "ke" functions play in the respective "chinese numerical character" in each of the pillars, remains a myth, no "figure", or quantitative approach can be used! That is the big problem! Same problem as to how to define "beautiful" - 各花入各眼。 Systematic approach? Different interpreters "see" different things, how can have "systematic approach"? Something which human cannot logically explain then coins it as "luck", same term like "cancer"- doctors don't know the cause. When dealing with "something" someone don't know, how could one tell that this "something" will lead to "this" result?? Exercise wisdom more than blind following.

Memeber this "Leafy trees bear no fruits". Leafy trees subject to "winds". Once blown, all leaves down. Need wisdow to identify where the fruits are and what are the decorative leaves, ok?.

Should try inviting chinese opera to house & sing u a song or 2 during cny. http://www.chineseoperainstitute.com.sg/

Allow me to "luso" a bit. Many yrs ago, before going deep into bazi, I regard bazi as "rubbish" and had hot arugments with my 3rd bro who is a fan of fs,bazi,ZWDS, and TMC. I remembered he "asked" me to "study further" before "anyhow" commend. So, I went into study of: - Chinese calendar structure/history. - Chinese star constellation,三垣(three enclosures)二十八宿(twenty-eight mansions)or 四象(four Symbols), 黄道, incl 北斗星（northern dipper)- within one of the 3 enclosures. I even taught my son, when he was at UK, to identify the direction of "handle" of the northern dipper, so one can tell the "month" without knowing the calendar. I also taught him to look at the "shapes" of moon, so one can tell which day in a month. - TCM's 阴阳五行 theory, I even bought 2 vol of 黄帝内经 - abt 3 kg in weight. - Some books on 天干地支阴阳五行, 五行五方四时,五行寄生十二宫,推命,十天干五行生旺死绝, 地支生旺,十二长生诀,六十甲子空亡...etc etc My experience/comments, at this point of time: - Bazi is very very complex, has been linked up with many "theories" at a single time. Unless one studies it systematically, from "easy" to "difficult", there is no way to understand and appreciate this divination method. - Some theories are collection of wisdow, some theories are "rubbish". - Wisdow + rubbish = rojak - wisdow + rubbish + superstition = modern rojak caters to suit modern ppls' tastes. - From month (jieqi)of birth can "agar agar" tell one's character tendency. - Bazi is not God. Nobody will know exactly what will happen onto him tmr, not to mention next wk, next month or the 小流年, or the 大流年. These are just "games" of prediction. - 地支's "sub-theories" have been very questionable. - The wuxing is just an "agar agar" concept, expaining relationships among materials, which is impossible to be "quantified". Enough? Or who wants to add somemore?

Did I promise to "decode" further? beside constructing 4 pillars from DOB of Gre yr/month/day/time. I was trying to tell jialuck that the time's gan depends on day, and day's gan depends on month's gan...and month's gan depends on yr's gan, they are related.... To have comprehensive bazi analysis, can always consult master chang who charges $269, and will ask for your exact place and time of birth. Also, no "outsider" to be around during the consultation, unless the owner allows one/ones to sit in.

ROI = (Gains – Cost)/Cost Can either be expressed in monthly, quartly or yearly, or even 10-yearly, esp true for capital budgeting investment purpose which always involve "opportunity costs" and future value of money. The main concern here is the "cost" component at the denominator, usually ppls take it as valuation price or buying price, fixed, but, in actual fact, unless a property is fully redeemed, otherwise this "cost" is still a variable because of the monthly mortgage interest,etc. The "cost" at numerator could be subjective as well. - agent fee, pty tax, bills, sofa, chair, aircon....."all tangible assets/expenditures" which make the property being capable in the production of revenue. Some assets involve "depreciation" as well. It is all up to one to include or exclude from the calculation. So long as you understand the concept, you wont get b u l l s h i t by papers. It is purely sort of marketing gimmick, and an "academic tool" for academic ppl who live in academic world.

I've asked the same Qs many yrs ago. I'm afraid no one can give convincing retionale, these are fundamentlly the "structure" of this divination method. I can explain HOW the combination of 10 tiangan and 12 dizhi to give 60 possible combinations of the 2 Chinese "numerical" characters. It is purely a "maththematical game", same like how the 4D(of different numerical number)number give rise to 24 combinations. List 1st TG vs 1st DZ, 2nd TG vs 2nd DZ.....till 10th TG vs 10th DZ, 2 DZs "left over" right? Never mind, continue with 1st TG vs 11th DZ, 2nd TG vs 12th DZ, 2nd TG vs 1st DZ...so on and so forth, until the 10th TG meets wth 12th DZ. So there are 60 possible combination. 1甲 子 2乙 丑 3丙 寅 4丁 卯 5戊 辰 6己 巳 7庚 午 8辛 未 9壬 申 10癸 酉 11甲 戌 12乙 亥 13丙 子 14丁 丑 15戊 寅 16己 卯 17庚 辰 18辛 巳 19壬 午 20癸 未 21甲 申 22乙 酉 23丙 戌 24丁 亥 25戊 子 26己 丑 27庚 寅 28辛 卯 29壬 辰 30癸 巳 31甲 午 32乙 未 33丙 申 34丁 酉 35戊 戌 36己 亥 37庚 子 38辛 丑 39壬 寅 40癸 卯 41甲 辰 42乙 巳 43丙 午 44丁 未 45戊 申 46己 酉 47庚 戌 48辛 亥 49壬 子 50癸 丑 51甲 寅 52乙 卯 53丙 辰 54丁 巳 55戊 午 56己 未 57庚 申 58辛 酉 59壬 戌 60癸 亥 This TG & DZ combinations have been used since 2637 BC by Chinese to mark which "year". It is just like present's gregorian calendar year( which starts from Jesus Christ's birth year)2010, 2011, 2012,...etc. Chinese year starts from 甲子 and ends with 癸亥 as one cycle (60 years), the cycle repeats itself. Why don't use 70-year cycle, 100-year cycle? or even 10,000-year cycle? Can, why not, question is WHO will adopt this "cycle"??? I have explained before the calculation of maximum "possible combination of bazi". Anyone cares to try to explain the possible combination? and later compare the the world population(6.97 Bil, over 1/4 are Chinese!)

Please read with patient, I try to put it in a structured yet easy-to-understand manner. Unavoidable, Chinese characters will be used. To know construction of bazi manually, one MUST first understand the structure/meaning of: No.1 (Chinese numerical characters) 10 天干: 甲,乙,丙,丁,戊,己,庚,辛,壬,癸. 12 地支: 子,丑,寅,卯,辰,巳,午,未,申,酉,戌,亥. No. 2 (24 jieqi (节气)***the “月” here corresponse to the bazi’s “月干”, important. Many get confused with geo-to-lunar conversion’s “月”. Example: 12/6/1977 = 四月初二十六, however, this date is after ”芒种”, so in bazi construction, it should be taken as 五月. 立春(begin)，雨水、惊蛰(一月)、春分、清明（二月）、谷雨、立夏（三月）、小满、芒种（四月）、夏至、小暑（五月）、大暑、立秋（六月）、处暑、白露（七月）、秋分、寒露（八月）、霜降、立冬（九月）、小雪、大雪（十月）、冬至、小寒（十一月）、大寒-立春(end)(十二月) The 24 jieqi, in fact, indicates the relative positions of the EARTH to the SUN, over the orbit during a “sui”岁 cycle (立春 to大寒). Not to the MOON. One can see that a jieqi to the next is exactly 15 degree difference in between (Sun as centre point). 立春 is usually on 3rd / 4th /5th of Feb (Geo. Calendar). During a Geo. Leap year (366 days) lichun most likely falls on 5 feb. See below the isometric view of 24 jieqi, in relation of earth to sun, I plotted. http://imageshack.us/photo/my-images/90/24jieqi2011.jpg/ However, on the CNY day(初一)(nian cycle), the MOON must be a “NEW MOON”= earth’s shade covers the moon during night, so one cannot see the moon. So the CNY day, at times, can be a few days before or after立春. A nian cycle (which tracks relative position of moon to earth) year could be as short as 352 (29.33x12)days, to, as long as 384(353+31)(leap month inserted) days. No. 3 (Nian and Sui cycle year, sun, earth, moon positioning) Bazi’s year, month, day, time follows “sui” cycle year(start from 立春, ends at 大寒), not “nian” cycle year(start from 正月初一，end at 十二月初二九 or 初三时, remember! This is significantly important to tell that BAZI does not care the relative position of moon to earth, but track only relative position of earth to sun. OK now we come to bazi construction(manual). I will the example of Year: 1977, Month: Feb, Date: 6, Time: 11.30pm 4 pillars = year pillar, month pillar, day pillar and time pillar. In short, 4 pillar is structured as: 年干/年支，月干/月支，日干/日支，时干/时支 Bazi was back dated to 2637BC. If I were to explain here the formular of 2637+x=60y, would take more than 10 posts. So I skip this. 年干/年支 follows the Sexagenary Cycle (六十花甲子)is formed by the combination of 10 天干 and 12 地支. Start from 甲子 till癸亥. Refer to following tables for the corresponding “year” to their respective”年干/年支” Note: These table use “nian”, not “sui” year concept, so there could be a “slight error” in年干/年支 if one’s BOD falls between 正月初一 and 立春. http://img28.imageshack.us/img28/5485/table1yearpillarpage1.jpg http://img695.imageshack.us/img695/4830/table1yearpillarpage2.jpg So, “Year Pillar” for 6/2/1977 is丙辰. 年干 =丙, 年支=辰, Correct ?? Answer is wrong! The “Lichun” in 1997 fell on 4 th Feb, any date after this would be considered as a “new” year, I have mentioned before. So, “Year Pillar” for 6/2/1977 is丁巳. 年干 =丁, 年支=巳. Now come to construction of月干/月支, refer to following table: http://img171.imageshack.us/img171/1886/table2monthpillar.jpg 月干/月支 is based on 节令 of that particular year. See the 24 jieqi above. 6/2/1977 's "年干" is "丁". So the "月干" is "壬". Since 6/2/1977 fell under "一月". "月支" is "寅", because 6/2/1977 fell under "一月", just 2 days after 立春, remember? "月支" is stright forward, obtain from the table, hold unchange for the whole月。 So，月干/月支 for 6/2/1977 is "壬寅" Please do take note that "月干" is "年干" dependent. Now come to construction of日干/日支. Since鲁隐公三年(公元前722年)二月己巳日till now, the chinese calendar (using 干支) has never been interrupted. The 日干/日支follows the sexagenary cycle and repeats itself every 60 days. Due to the facts that there are “big”, “small” months with a nian cycle year + a leap month for about every 3 years. This makes manual calculation/construction of 日干/日支 impossible. Must refer this to 历书。 One thing worths mentioning: the cut-off hour for the “day” is at子时,meaning that after 1am is the “next day”. If say born at 12.59am, 59 minute, it is considered as “today day”. May refer to 《克择讲义》：11pm to 12pm = “阴”and 12pm to 1am= “阳”. 日干/日支for 6/2/1977 is "甲午" Now come to construction of时干/时支, refer to following table: http://img683.imageshack.us/img683/7180/table4timepillar.jpg Day's 干/支 is every 60 days one cycle. 時干 is 日干 dependent, refer to above table. Since 2/6/1977's 日干 is “甲”, at "巳"(0930am) , 时干 is therefore = 己. Look at left table, 时支= 0930am = "巳" So 2/6/1977, 0930am's "time pillar" = 己巳 2/6/1977, 0930am’s bazi = 丁巳, 壬寅, 甲午,己巳. Clear, any questions?

Really envy u guys have chance to go to uni. I don't. At times, I get sentimental easily. 2 or 3 forumers already know the following story of mine, i repeat here and shall not in the future, wish to get your blessing for next yr and the next. Some 18 or 19 yrs ago wanted to get a bachlor degree in management after poly's engineering & SIM's dms, somehow or rather, it is "fate" than "manipulates" ppl or God's will? HDB key came, reno follow by wedding. Facing issue of "money not enough". So dream remains as dream. Work, work, work. Son comes to this world 2 yrs later, 20 months after, daughter comes, then again work, work, work and save, save, save & also invest, invest & invest. They've grown up & have quite certain degree of "independence", so I can let go more or less. It is time. I'll go to SIMGE's bachlor of business(management), major in finance, starting from next jan, with advance standing, need to take only 12 modules, 2 yr, part time, cert by RMIT, australia. Just to fulfill "my dream" - this dream really takes long time to be realised. Don't stop your dreams.

Hi, thank for the encouraging words. "Setting up" bazi from DOB manually is a bit complicated, need some tables which takes time. Hope tonite I can finish these tables & let forumers know. Just to keep this thread "on top" so I won't forget. Anyway, once I promised something, i'll make sure it get fulfilled, this is principle issue.

Quite similar to this post leh. Only directions different but is better than the one as follow, in term of wind flow: http://www.renotalk.com/forum/index.php?showtopic=44483&view=findpost&p=674281

Frankly, my character is alert but not "sharp". Do things like to just "agar agar", never aim 100%, always give "some space" for others to accomodate, lol. Staying alone at top of mountain is very boring, i prefer to be "average" and mixed around leh, i enjoy fun.

Investments should always start YOUNG. Experience borns confidence. When one gets older, heart gets old, then comes high resistance to change, afraid of failures, and prefer to remain "as it is"..... Try different hobbies to make "heart" stays young. Besides building character, hobbies also widen the horizons. "Waste" time and money but.... Sound investments need some knowledge background of accounting, finance, econ, statistic, business law..... So far, have stepped into: IPOs Stock mkt(cash, no cpf) Foreign currency timed deposit Unit trusts(wife likes, I don't like) Different sorts of insurances(considered investment???) Properties (hdb, L99, FH) FDs, saving, bond..... Last but not least, raising 2 children, now age 16 & 14 liao. Pls share yr experience leh.

I got 2 personal email accounts, 2 office email accounts, holding 2 mobile phones, got FB, skype, linkedin, msn, life very "messy". Always get confused with passwords, IDs....Tell you a true story happened on me on 17/10/2011, morning & afternoon. Morning went to UOB ATMs to withdraw $1500, machines not "cooperative", thought may be too early, machines no cash. Lunch time, went to same atms again, "same problem" happened! Asked UOB staff there why like that. I demostrated to them. You know what was the "problem" - I used the POSB card instead of the UOB card! The 2 cards' color/outlook almost the same! Very paiseh.

Almost miss this, thank for seeing me "up". Houses(whether apartments or landed),sure have "missing corners", unless one is living in space without 4 walls, roof and floor. To put 9-grid, 12 grid or even 24-grid onto a floor plan, sure result in "missing corners" - so what's the big deal?? Comments on fl plan:(sorry to say, generally not so ideal) - Rm2, rm3, living hall windows subject to west evening sun. Meaning those walls will be "hot". - MBR window facing "very funny"- not in line with door - poor ventilation, but seem there is an "opening" to aircon ledge which may help a bit for air ventilation. - Windows/doors not in NS facing, air flow not ideal for the whole yr in location like singapore. Esp the "N" block by hall. - Hall/kitchen will be stuffy. - Anyway, ceiling fans/aircon can "help" some. I've explained b4 the wind direction patterns throughout the "4 seasons" in singapore. I play RC planes( incl thermal slope gliding)in open field and like fishing, so no choice I kena forced to study weather and tidal patterns.

What are the differences between Magicians & Fsms?

Read this, you will know, better read with patience which the present ppls lack: http://www.lyg819.com/books/lsy/1/晋·郭璞《葬书》考及白话解.htm My personal comments on "book of burial" -郭璞(317～419） - Rubbish + garbage. Concluded only after reading. - How does the place of bury for the dead "affect" the live ones? Should ask TKY who bring delegates to study "tombs". - Now the "Remain of the dead" is in a little container, stacked onto each other in a "cemented apartment" - Some "Remains" go into "water" becoming "food" for fishers, or "land"-fertiliser for the plants..... - Qi's concept not bad, still very "imaginative" and "generalise".

Apply lacquer onto SS?? Without 3M adhesive spray? This is like killing a chick using a "bull knife". Won't last long. Lacquer won't stay on SS surface effectively without adhesis spray(as primer). Further more, lacquer get harden and crack easily. Apply autosol on "top surface" and " within the sink" ? Not lah, once SS sink is used constantly, no rust lah. However, the "underneath part" may be rusty which needs autosol. Apply "singal oil" on cloth and rub the underneath part enough liao.

Tree with too many leaves bear no fruits.