bepgof

Since I'm old, ok lah, address you as young lady, let you mode feel better. Each is entitled to express their views freely, whether here or there. But be mindful of CCS and JBJ's cases. My personal encounters with spirits are that they "follow" one's heart/mind/desires. Since they are called "spirits" - they are of "formless", or/and can be in any "form".

Like whether little or giant brain, all needs water, air and bread, right?

Am I logically to say that every single objects on this planet can be enshrined? Like chair, table, even a stone at roadside. If so, wow very busy liao.

A wrongdoer gives attention to evil lips, and a man of deceit gives ear to a damaging tongue. Chiam hor? Hope no evil lips and damaging tongues here. Master has the right to do what as he deems fit.

Kun = 坤 http://img844.imageshack.us/img844/4997/64588072.jpg http://img685.imageshack.us/img685/7250/77823009.jpg Depend on whether you want to use the "before" ore "after" bagua. Confused right? I am as confused as u, after much study.

She has slow hands, but ever changing aptterns. Next yr, all slowdn, need no prediction, all know. China banking now also in trouble. Trains keep collision. Bicycles seem to be safer - slow and steady.

These ones more tokong: http://img718.imageshack.us/img718/9237/propertynavigatingchopp.jpg http://img546.imageshack.us/img546/9237/propertynavigatingchopp.jpg http://img847.imageshack.us/img847/9237/propertynavigatingchopp.jpg http://img171.imageshack.us/img171/9237/propertynavigatingchopp.jpg

You are precise, broke yet beautiful. Little ppl understand. No choice but to "keep it", it can't be ereased or replaced!

Out of question. Different spectrum. Jealousy kills.

I've so far seen no ghosts, met no ghosts, but once with strong "sense" of ghosts were just very near me, some 20 years ago (before marriage) while I was walking alone in a dark narrow street(Now's Tew Chew St, both sides with old warehouses then). Once I was a serious free thinker. Over my mind was : All physic, chemical and biological changes. Mass, volumn, energy needed to move or overcome gravitional force/friction.....When I "looked back" - I was too naive. Now I believed super-natural forces/world, a creator, co-existence of spiritual world and material world...... = co-existence of "human beings" and "spiritual beings". Note: It is not common for me to address "spiritual" stuff in here.

Don't like that le, just share share.... 太上 = 太上老君 = 老子 = "orignal" founder of Taoism. There is a "book" (like bible consists of 66 "books")in Taoism, named "太上感应篇". The book starts with these 16 characters : “祸福无门，唯人自召，善恶之报，如影随形”. This is exactly in line with modern management theory of thoughts - actions -habits - destiny. FS stresses this same principle. If tilting of door makes you feel good, it will be good and "lucky" to you. If it is always an "eyesire", it is "no good". If purely relying and into believing the tilting the door will bring you "luck" and you do no other productive work, your doom day will come eventually. Remember the farmer-rabbit-tree story? Oops, I'm too long-winded liao.

Inspection after 2nd appt(same day)= title, money exchanged hand then inspect?? Have established "what to inspect" in the first place?

Flat rate applies , same as those car instalment. A= loan amount B= Interest rate C= total number of yr to pay D= Total number of monthly instalment E= Monthly instalment amount = (A*B*C)/D + A/D

Ivy must have forgotten to do her grading, or, is she waiting for more participants? Never mind, suddenly I remember a natural law abt "thoughts", important hor, try to memorise it: Sow a thought, reap an action; sow an action, reap a habit; sow a habit, reap a character; sow a character, reap a destiny. Thought and destiny are related. Mineral water is the original thought. Salt water is the result of habit.

If one have read Steven R. Covey's " The 7 habits of highly effective people" (wow lau, one-inch thick book)then, more or less, he will know what is "inside out" - a kind of gravity force which change a person, and the processes of dependance, independance and interdependance which has no short cut, no quick fit, all have to be step by step, stage by stage. Unlike FS discussion here, ppls like to do "quick fit" and short cut. Quick fit and short cut can work "superficially" only. If "deep inside" never change, the same old things will re-surface in no time again, want to bet?

Just to confirm what I've been told is true and correct. Husband and wife divorced, HDB 3rm must sell, Husband only can get his cpf back with accured interest....questions come: 1. Was told there is a "resale unit" business unit within HDB??? Can confirm? 2. This "resale unit" helps to "sell" the house and process the rest, so no property agent in between? 3. The "sell" means "name transfer" or "name updating" = wife will take over the whole house and get a bank loan??

Serious unauthorised mods le. Get hold a copy of this HDB's letter to seller first. - If 2nd appt cannot be longer tha 8wk, starting from 1st appt. If this rule violated, whole OTP would then be considered null, however, HDB reserve rights to extend this period till ??? - Personal opinion is: serve HDB a letter/email ask them abt their intention of "how long" to be extended, cc to your MP as well to town council. ECTC once owed me SC charges (did not rebate me), cc an email to Lim SY only, responded within 2 hrs. Before this, have wasted me almost 2 months, spoke and wrote to this and that depts on this.

Shadow is caused by object in between light source and wall/ceiling/floor. Cove light is "hiden" light, casts directly onto ceiling and reflects down to wall/floor. This light from ceiling is "soft" enough, won't cast any shadow onto floor/wall with fan blades in between. However, don't ever choose ceiling fan with light at bottom, will cast shadow onto ceiling....

If money not enough, do those "heavy" reno first - flooring, tiolet, kitchen, window...

Here is the answer: 太上曰：祸福无门。惟人自召。Agree ?

SGX's definition on SOR: The SOR represents the effective cost of borrowing SGD synthetically through borrowing USD for 3 months and swap out the USD in return for SGD for the same maturity. In simple terms, SOR is the projected interest rate it costs to you if you borrowed the same amount of money in USD instead. Look at past 3 wks' trend, USD rate is on the rise from 1.206 to now 1.300. Many funds are used to chased after USD, like ppls chase after gold.... If you want SOR rate down, pray that USD exchange rate down first. Some pray it up, some pray it down. If you were God, who would you like to listen to and why? Read this: http://www.yenkai.net/content/sor-home-loan-rate-how-it-works and http://smp-consulting.com.sg/smpc/?option=com_content&view=article&id=62

Let me speak my mind: don't be "pantan" abt the stove and sink position. The wuxing is not to be interpreted in this way. Since married, present one is my third home. All along the sink & stove have been sitting next to each other or in a L-shaped. It is pretty convenient, Esp with amber kitchen top area. If fire were not to meet water, or water not to meet fire, then, showering area shouldn't have water heater installed or those electrical wires should not be in the tiolet in the first place! We need fire to boil water, right? And we need water to put off fire right? So what is the real problem?? Stomach too full, feel bored, looking for something to do?

Care to share what are the 5 unauthorised mod which take so long to be rectified?

Ya, now normal liao, last night got this ad screen "superimposed" onto the user name, no way to access to log off. You can try tonight.

Study table stays as far as possible away from TV set. Table near window to "borrow" natural light and wind. Sit face door if possible, 30-60 deg also can, so no surprise passer by to tap on her shoulder suddenly. Remeber the old saying "reap what you sow" = hardwork pays.