bepgof

About yin & yang. According to book of change (I-ching): thing change every split seconds, 阳极阴生，一件事物到了极点，就要走下坡路了. Look at the 3 爻 of the bagua, or 6 爻 of the 64 卦, are all about yin and yang changes and combination. Yang gets weak and yin grows, when yin grows to an extend and change to 少阳 then 老阳, 老阳 - 少阴- 老阴. It is always in a loop. NW receives cold winds from nov~feb, SE receives warm winds from may~aug, etc etc. Close the door will have no winds liao, got it? It's all depend on human!.

Based on wu xing: east=wood south= fire west=metal north=water center=earth The fsm stresses NW = 金水= owner's bazi requires metal & water elements. Can't see pitfall of tiolet being at "center" = 土. All come from 土 and heaven, go into mouth, processed, and back to 土 and heaven (evaporation), very logicall leh, nothing wrong.

Tiolet bowl can be shifted one meh? Like that the waste stack must be shifted too liao. Can change from squat to sit type and vice versa.

HDB applies 2 types of interest rates: - Concessionary rate, 2.6% - Market rate, 3.82% These rates are revised every quartly. http://www.hdb.gov.sg/fi10/fi10328p.nsf/w/UpgradeHDBInterestRates?OpenDocument Read carefully. See calculation at end of the page there. Monthly loan instalment amount is the sum of 2 components: "interest" + "mnthly payment towards principal"

Got new tank, happy lar. Remember, no free lunch.

Dirty old man pays attention to "dirty" things?

Wow, fast hand fast leg. How come the Private Enclosed Space on the top disappeared? Penthouse with 2 storeys(Say P3), each storey with different layout and floor area, which layout should be used to draw the 9 grids?

UOB has withdrwn an lawsuit against HK fsm 陈振聪 who bought a plot of land in Sentosa (monthly instalment=SGD68,000) buy house yet to be built within certain timing. You know what he said: Have to see neighbours' houses first then he can decide WHAT to built! Tokong!

Like that then Sim Lian Group's Waterview condo finish liao. http://www.waterview.sg/floor-plan.html

http://en.wikipedia.org/wiki/June_2011_lunar_eclipse A perfect lunar eclipse can be viewed from Singapore on June 16 2011 (Thursday morning) for 3.39 hours. The spectacle will begin at 1:22am, reach full stage at 2:22am and end at about 4am. This appearance is unique with the moon in red, together with the Milky Way visible throughout the period and beyond. One lunar month = 29.5 days (rotates earth one round, orbit tiles 5 degree with respect to earth's plane), so one lunar year = 354 days. This explains why lunar month in chinese's calender has to be increase by 1 month for every 2 to 3 year. This "extra" month is called "leap month". http://www.chinesefortunecalendar.com/clc/LeapMonth.htm Question: what happen to the Bazi of those who born on this month?

http://sg.news.yahoo.com/blogs/singaporescene/torrential-downpour-triggers-flash-floods-across-pore-040951911.html Did a multi-million dollar project to raise low-lying roads in the Orchard area last year contribute to Sunday's flash floods? Or did it prevent even further damage? This after two Orchard Road buildings -- Tanglin Mall and St Regis Residences -- were hardest hit by Sunday's floods -- the worst this year. The Orchard Road Business Association (ORBA), for one, has questioned if the Public Utilities Board project has actually made the problem worse. ORBA executive director Steven Goh said "It's kind of like an anniversary for us. It happened last year on June 16... and the PUB road raising works has almost been completed." "It seems like... the problem (had) been transferred from the downstream of Orchard Road to the upstream of Orchard Road," he added. But the PUB has rebutted Mr Goh's claim and said the flooding would have been worse without the project, it told MediaCorp. PUB announced last year a $26 million project to raise a 1.4km stretch from Orange Grove Road to Cairnhill Road by an average of 300mm. The project, which started last November, is due to be completed by the end of the month. Currently, the junction of Cuscaden Road and Tomlinson Road is being raised. At the time, PUB had said that when works are completed, it would "prevent rainwater from overflowing onto the roads but instead contain it inside the canal to be conveyed towards Marina Reservoir. It will also help prevent future flash floods." However, the PUB did admit that a software glitch led to Tanglin Mall and St Regis Residences not being alerted of Sunday's impending flash floods. It said all other buildings in the area, such as Delfi, Lucky Plaza and Tong Building received the flood alerts. PUB said it would rectify the problem immediately. Tanglin Mall was among the hardest hit mall on Sunday with several shops having to close temporarily after flood water from Level One, which was at road level, started pouring in. Within minutes, water fell like a mini-waterfall onto Basement One. Several businesses -- a supermarket, food court and various shops -- were submerged in ankle-deep water and had to close. There was also widespread chaos after the basement carparks were also affected. In June 2010, similar floods along Orchard Road cost businesses hundreds of thousands of dollars. But this time, employees said the floods were worse. The Little Gym instructor PJ Lucero said on CNA, "The last time it happened, it was actually more mild. We were still able to open the facility for the day. Today (Sunday), of course, everything got submerged, that's why we had to close down. "In fact, after the first time it happened, we had sandbags ready. We did use those sandbags today (but) it didn't work. The water just went through it". Chen Jiahui, store manager of Spinelli Coffee Company along Forum Shopping Mall, added, "This is the second time (it flooded). It's really bad, so I hope that the management are doing something about it". National water agency PUB said the severity of the flood at Tanglin Mall was something it had not seen in the last 25 years. It said rainfall was more intense than that of June last year, when various parts of Orchard Road were flooded. About 65mm of rainfall was recorded within 30 mins on Sunday morning, compared to 100mm within two hours on June 16, 2010. Later in the day, at a press conference which was also attended by Minister for the Environment and Water Resources, Vivian Balakrishnan, PUB explained that the flash floods on Sunday morning were caused by two bouts of heavy rainfall. It said the first bout of rainfall started slightly past 6am, and second downpour, which was more intense, occurred at about 10.30am. Speaking after inspecting the flood areas at Tanglin Mall, Dr Balakrishnan said, "Personally, I think our weather has changed. I'm actually psychologically prepared for it to get worse." "You're dealing with nature, and you're dealing with the weather; you have to be prepared that there is a limit to human engineering and what we can deliver, " he added. "But having said that, let us make sure we have done the best we can and within those limits, then cope with whatever else that nature throws at us." In a Sunday post on his blog entitled "Focus of floods: 5 Key questions", the Minister also wrote "We are dealing with Nature, and Man needs to be humble when addressing the challenges that Nature poses". He also admitted that "sometimes despite our best efforts, we cannot win" when dealing with flood issues but he promised that "we will be open and transparent. We will share as much data in real time as possible so that solutions and precautions can be devised for the immediate and long term." PUB chief executive Khoo Teng Chye, meanwhile, said he is studying some possible solutions to prevent future occurrences. "These include, possibly, building a big retention pond near where we can then trap some of the peak flows," Mr Khoo said. "The other alternative is to really create a diversion canal from where this pond is to the Singapore River. But given Singapore's built-up situation, these are very, very expensive schemes." What is the use of receiving alert then minutes later see water at door front?

Well said. Try understand logically "directions"(N,E,S,W)effects caused by sun's radiated heat, wind flow, microclimate issue, etc. Pay attention to macro rather than micro issues. Tiolet is "peanut" to me. Pay attention to "pressure difference" = "flow" of window openings, doors, passage way while viewing house. They are all inter-linked. Try to understand singapore's yearly wind flow pattern. Not so much as to a partiular direction of main door. View house always in "open all windows", "open all doors", off all fans & aircon, day & night, sun & rain situations. If owner closes all wndows and turn on aircon and or fans, can forget abt the unit. Since pay fsm money, don't feel paiseh to ask him ANY question. Ask him to explain in plain language, if he keep "hits aroud the bush", can drop him liao.

Foyer of a residential unit is only part of "microclimate" subject as a whole. It seems, nowaday's fs little is mentioned about the heat & wind effects of residential (esp HDB flats)area, building, unit. Instead, those "crappy" ideas of stars (1-9), "directions" based on DOB, "energies", tiolet, stove.....all are very "imaginary". The "microclimate" constitutes to part of "qi" where fs is concerned. Singapore is located at latitude 1 degree N, quite close to Equator. Can't tell much difference between the length of days and nights throughout 1 whole year, however, the variation of radiated heat from sun is obviously observed throughout a year. South-facing slopes(say houses built on slope) in the Northern Hemisphere is exposed to more direct sunlight than opposite slopes and are therefore warmer for longer(earth tilts 23.5 degree and self-rotate ccw, revolve around the sun). This explains why ancient china (located 23 deg N and above) prefer to built houses on south-facing slope (The Vermillion Bird of the South) to gain more radiated heat from the sun because the areas are cold. Ok, back to Singapore. Since so hot all year long, best to install fans and aircon at home. "Tap water" is just "a hand" away, so no need to find a place with U-shaped-river. However, with so densed population and residential units just build side by side or opposite, windows/balcony can been looked through, door open, everything can be seen, "privacy" is at stake. So build partitions?

- Water level rises fast due to "blockage" somewhere along the drainage channel. "incoming rate" is higher than "outgoing rate". - Lower in water level difference(between 2 water sources) also "lower down" the rate of flow of water from upper stream. - The lowest stream is the Marina Barrage where 3 rivers mouths are channelled into. The damming is effective in controlling sea water from entering into CBD area (raffles place, hk street, circular st....)during high tide. One of the cons is, during downpowur, the "reservoir"'s water level affects the flow rates of water from the 3 rivers. Not to mention those channels along each river.

3rd party policy - 100% cannot 1st party policy - also 100% cannot, it is "act of God". 1st party covers against thief (mkt value), injuried party's claim, damage due to "human error", "design error"...

What's more inportant is one must realise what he is doing. LOL, I got myself a prime life insurance coverage in 1993, you know when is the maturity date? When I reach 100yo! Monthly premium abt $250. Silly or not?

Bro, sorry for the late reply, agreed. I worked hard to build the spreadsheet for the cpf rate/ceiling changes, see below, correct? http://imageshack.us/photo/my-images/30/cpfcalculation132011to3.jpg/ http://imageshack.us/photo/my-images/192/cpfcalculationfrom19201.jpg/

Parc Lumiere is DBSS built by Sim Lian Grp, is classified under Public Residential Scheme. "Landlord" is HDB for land title, maintenance carry out by TC, it is not a strata title building. Window grille standardisation for DBSS?? - RUBBISH!

29 years. Wife & myself are joint owners for both. We'll revise every 3 years. As long as meeting the minimum sum issue, can use cpf's OA to pay for 2nd property. 1st instalment just started few days ago, we use our cpf OA to pay. We still have some $68K in OAs can be utilised, as in june 2011, after meeting ms rule, to pay for property. This 68K can last, 1k instalment for 12 months, 2k instalment for another 12 months, 3k instalment for another subsequent 12 months...then TOP when "supply tsunami" will come as I anticipated. Original intention was 100% cpf for present's 32-year old 5 rm. I don't intend to sell this as my age not allow me to "flip" any more, and, you know those cpf rules - I foresee little chance to withdraw the $ out to spend the ways I wish. Logically, I should put as much as CPF $ there...... - Put cash in banks, no "juice" to earn. - Put cash in stk mkt, "risky". - Remain cpf in OA??? to earn 2.5%??? No way. I prefer to park them in property till I die.

Many skills in finance-related, best to be pickup and tried while one is young enough, this gives one confidence. If fails, can try again. Human tends to resist to change when get older. Without knowledge, hand-on, at this year (say 50yo) = miss the boat liao. Confidence needs to be earned but at times could be very expensive.

gimz63251073, correct. Some to add. "Planning" concept best to be instilled and prctised while one is young and become a "way of life". It is the "key" to make things happen by intention. http://www.cpf.gov.sg/multimedia/retirement/retirement.html Planning process involves many attributes, like discipline, responsibility, resistance to temptations, know-how, skills, projection, anticipation, level of confidence, wisdom, etc etc. It also involves "courage to correcton" as and when needed during the process. This allows one to have a "big picture" in vision/mind. I have been teaching my children on these. Pictur on left taken in year 2000 dec 24, the 2 standing are mine, the one in walker is my niece

1. With property pledging(automatic), memebers (before turning 55) needs to set aside 50% of MS($65k as at 2011), the excess in OA can be used to pay toward Public Residential or Private Residential properties. Illustration: OA=40k SA=50K Inv=0k total = 90K, Excess = 90k-65k=25k. Therefore, member is only allowed to use the 25k in OA (remember not 40K!) to pay towards properties. 2. Married couple(provided they nominate each other as beneficiaries for their Minimum Sum), when 2 of them reached 55, can apply to joint the "combined MSS" whereby the need to set aside only 1.5 time of the ms amount, instead of 2 times.

This $466.2K was 90% of valuation of $518 which I took in 2009 with UOB. Lock-in 1 year, however comes with one "free" partial prepayment within lock-in. Another clause states MUST maintain >$80K within lockin period. So, within lock-in, I made a partial payment(CPF) and left the outstanding some 83K from 466.2K. Now lock-in expired, however, get caught with clause 10.2 for paying back "subsided legal fee" if full redemption were to make within 3 years from 1st day of cash disbursement. This amounts to some $1688. The yearly interest would have incurred for 81K = 2.4K. Have to pay legal fee of $600 for processing full redemption. Ok, come to your query: Because of low interest environments, I dump much of my cash into stock mkt and wife has been "nagging", 2 loans lah, put so much cash in stock lah.... 1. Recent Allgreen's stock buyback has helped me get back some $111K from stk mkt, inclusive of abt 26K profit. Have asked son to be incharge and plan for yr end holiday. 2. So, to make wife happy( so I also happy) and my ears peaceful, I actioned. 3. Worth mentioning, this ($466.2- $81K)paid by cpf, 81k by cash. 4. Another loan(80% of 1.03mil) just got 1st cash disbursement 10% ($100.3K) on 1st June 2011. 20% of 1.03mil, stamp duty have been paid by cash. TOP 2014. Just nice, will be 50oy then.

Bro, another financial planning "course" here. <ADV> HDB Heartland Public Talk - Enriching your golden years, conducted in English, on 18 Jun 2011 From the talk, you can learn more about: 1. Monetisation options available to HDB flat owners. 2. Protecting your interest by appointing a lasting Power of Attorney. 3. Useful exercise tips to keep your body and mind healthy. You can also purchase age-friendly items at special prices. Date : 18 Jun 2011 (Sat) Time : 2.00 to 4.00pm (Registration starts at 1.30pm) Venue : HDB Auditorium Basement 1 HDB Hub 480 Lorong 6 Toa Payoh Singapore 310480 If you would like to attend the talk, please register online: https://services2.hdb.gov.sg/webapp/FI10REGGEN/FI10SMainController?recID=GoldYrs11&steps=4 Seats are limited. Sign up now to avoid disappointment. For more information on past HDB Heartland Public Talks, please visit: http://www.hdb.gov.sg/fi10/fi10333p.nsf/w/CORTalks?OpenDocument