bepgof

$1452psf at CCR to some still very cheap. CCR land is getting less.

The data updated over the web ought to be after 2nd appt when transaction is deemed completed. Many things miggt happen which result in cancellation of transaction between 1st & 2nd appt.

Wife: pay bank 100K. bepgof: with my yr of experience, can generate abt 8% roi in stk mkt. So??? True story on me. - more than 200k cash in stk mkt - existing resale 5rm(528k bought in dec 2009) os mortage abt 81K, wife has been po ro so me to redeem since Jan 2011, I say wait.... - Tah boleh tahan her po ro so, asked lawyer to proceed the redemption in May 2011. Completion on 1 Sept 2011.

For rental/appreciation, chiong. For own stay, forget it. Everyday shopping till you broke.

I like this. I like your "locks & pad locks" theory. The poor: We have no money Gov: Don't worry, we have welfare system, just apply. Possible to meet MS while have been using CPFOA paying toward mortgage loan? I'm 47, work like cow since 21, OA=19k, SA=115K, cpf contribution kena cap at $4500 monthly, now streching neck long long looking forwards Sept to come. This reminds me of the dog chasing after the bone where it is tied on a stick and the stick is tied on the dog.......the dog "chiong" and ....drips, can't touch the bond.

Currently, 3 mnth sibor moving average = 0.4375, 12 month moving average = 0.75807, 3 yr MA=??? should be higher than 1yr's. If other terms on same pars for the 2 packages, obviously the 1/3 mnth is better. Compare the "penalty" & other costs: - Partial payment within xxx yr "admin charge" - concersion charge. etc Watch out, China recently up the lending interest to 6.06% & deposit interest rate to 3%. Implication: discourage borrowing, encourage put $ into deposits(saving).

This is a war of the 3 Ts, is also "weight" fight. TCB Vs Tan KL Vs Tony Tan. Very obvious TT has more vast experiences than the other 2 Ts. GIC, SPH, OCBC, MOE, MTI, MOF, MOH, DPM, Mindef....super heavy. If put 10 TCB & 10 TKL at one side of the Balance & one TT at the other side. TT still weights heavier. Personally what I don't like was when TT in MOE(1980-1991): Policy: "2 Uni were enough", ended many talented singaporeans lost chances to go to U. I like his hair style, same as mine, 十年如一.

Why needs 30 montsh grace period for "first timer" who presently stays in pty to apply for "new" public housing(BTO/DBSS/EC)?? Logic?

for 30 yr loan, valuation Limit will be hit at about 26th yr. Meaning 27th-30th yrs' instalment have to be paid by CASH, no cpf.

True. Need to mix soil with little white cement power to neutralise the PH. Make seashells into smaller pcs and mix with soil also help. I used to do that. Yrs ago was a member of hydroponic club of ngee ngee polytechnic. Won 2nd price for the design of logo for the club. Have frown a few veg specis and cacti within styrofoam boxes with hydroponic technique. Bought PH meter & conductivity meter, used NPK solutions. Flowering plants tend to be short-lived, therefore need maintenance, except those like bougainvillea, cacti....could pass them to your next generation. Miniture fruit trees not a bad idea. From flowering to bearing fruits, very rewarding. Too bad, no $ to buy landed property, otherwise....sure invite all you guys to look see look see.

Please read and comply to "general Note" on top of the page, thank you.

Please read and comply to "general Note" on top of the page, thank you.

Ever lived in "landed house" till age of 16, shifted to HDB due to land acquisition. With big plot of land, 3 ponds, 2 wells. Late father was a farmer, we grew all sorts of veg/plant for sale (whole sale market was at present's hong kong st, carpenter st, previously called 三沟).....Really missed those days. Some links here for airplants. I was the first batch of visitors to Botanic Garden's airplant garden some 15 yrs ago. http://plants.web-indexes.com/airplants/airplant-basics.html http://www.airplants.com/ http://natureloveyou.sg/Plants-P.html

Platycerium species. Check this out. http://purificacionorchids.com/index.php/gallery/platyceriums Suggest to grow all sorts of air plants. Super lasting. Especially those flowering type, very nice.

Refer to Windows Grilles at Service Yard/Private Balcony ONLY. Not normal window openings.

godloveyou, don't agitate a maddog, read this. http://www.renotalk.com/forum/index.php?showtopic=41529&view=findpost&p=651374

Another law of nature about maddog. Deduced after years of observation. It anyhow barks and bites. The more one responses, it feels more "shiok" and barks and bites louder. It enjoys barkings and biting. Its inherited genes must have caused this. When it sees others having what it lacks, its eyes sore and trigger its madness. Best way to deals with it is to aviod it. Soon it feels bore and looks for new target.

A few have prompted me this question. Geomancy deals with laws of mother natures ONLY, no more and no less. No quick fix, no magic, no involve of super-natural powers, no religion beliefs practices, no rituals, no superstitions, no pang tang...... I've mentioned earlier, I cultivated cacti not for fs reasons but for horticultural reasons. If family members don't like plants and if often lead to quarrels, then forget about plants, or unless you can change their mind to become love the plant after sometime then go ahead. Cultivating plant is merely a hobby. Of course there are many pros of a "good hobby". One best to understand these laws, follow them, "utilise" them to help maximise ones' goals. Sound simple right? Simple does not mean easy. Everyday we're dealing with laws of mother nature every moment. - don't do this, will get that. Effects may take time to surface. - do this will get that. Effect may take time to surface. - We're subjected to gravitional force, why take stone to throw at one's feet? - Why put something heavy on top of where we use to sleep? Effect? - Why spent more than one could earn? Effect? etc etc... These are laws of mother nature.

I didn't delect yours, I don't know who did. Before I delected nimm12's, I have given him written "reminder". He chosen to ignore, I merely acted. Today, I sent him a last gentle reminder. http://www.renotalk.com/forum/index.php?showtopic=41865&view=findpost&p=651190

Dearest nimm12, last gentle reminder, mind words used towards he who writes.

Animals' happy hours? Animals advertisement time?

下下= worst,bad, inferior...... 上上= excellent, best...... 策 = policy, plan, strategy, action..... Putting things above bedhead is bad policy, best strategy is not to put anything above bedhead. Have not met him, exchanged emails a few times. Believed some posts here were not real happenings. As godloveyou/BK88 mentioned: no "magic"/"hocus pocus" in real life. Magic = human-manipulated tricks = not real. Had put up the wedding photo (big) in MBR for 13 yrs, after wed. Cold stored in cabinet after moving home. Anyway, got 2 small frames next to bedhead (husband, wife + 2 children). Got digital photo frame put up on TV console. Turn on only when got guess visit. Noticed: Wife sometimes turns it on and sit in front and watch!. I hardly watch.

Do right first: Put plants at right place for its survival, not put at "place for FS". Unless it is artificial type, then anywhere as one deems fit. Anyway, only a few "places" to put potted plants in HDB/apartment environment: Door entrance, windows edges, balcony....can put on floor, table, nail/hang onto wall, ceiling drop-down.....

I've intentionally delected 2-3 posts by nimm12. If he carries on in this manner(have to read his posts in other threads), I would recommend Admin to block this user name. Of course he can create another user name....

"Gods" are "spiritual beings" who can appear in any forms (to human's eye or brain), or possess and reside in ANY materials whether wood, porcelain, paper, metal..........This is bepgof's belief. Edenstrauss was saying human are "see-to-remember" creatures and whether a picture or a statue makes indifference, but there are various practices of the religious acts, and most commoners requie some forms of materials like a picture or a statue to remind the worshippers of the presence of the Gods. Need to use "spirit/heart" to worship God, since God itself is a spirit = 无所不在，无所不知，无所不能。It needs no materials but "hearts" from human being for worshipping. "Hearts" translate into good acts. That is why there is a saying: 人在作"天"在开。We are at all times being monitored!