bepgof

I a bit "faster" than you. Got a $460K loan in 2009, last Fri submitted required docs to lawyer to process the full redemption.

Let's face what's happening now: 1. When get older, 50 onwards, cpf contribution rates reduced. 2. Upon 55, retirement account will be automatically open, and if not working, OA will be closed. $131k (OA+SA+inv)will be transfered into RA. Then wait till 62, can "slowly" withdraw some bit by bit, how much, not very sure. 2-1. If the sum of the 3 accounts is <$131K. And if one is paying property instalment by cpf = stop. 2-2. If the sum of the 3 accounts is >$131K, the "excess" can be withdrawn, but how much, not too sure yet. 3. Upon 55, if still working, OA maintains. If the sum of 3 accts <$131, every month's OA amount goes into RA, can't use cpf $ to pay property! So, must plan properly when one reaches 55, making sure no cpf instalment for loan if MS not reached. Correct me if I'm wrong, please.

No doubt banks allowed such, believed most of us, when reaching 55, don't want to live in such liabilities.

Yardsticks: - Loan full redemption after 30 yr tenure, must start the loan at age 25! - WP's 20 loan tenure as reference? - National median income as reference pt? - instalment/income ratio? - Loan, rental ratio, 20 yr, or 25 yr?

Staying in studio apartment, everyday mix around with those "55+", sure get old faster le.

Is more than those.....There are so many types of "气", just to share: 气昂昂，生气，气冲冲, 气喘，气锤，气粗，元气，气度，气氛，气愤，气功，气管，气锅，气候，气呼呼，气话，火气，气急，气节，气绝，气孔，气力，气量，气流，气脉，气门，气闷，气恼，气馁，气逆，气派，气泡，气魄，气枪，气球，气色，气势，气水，气数，气态，气体，气筒，气味，气温，气息，气象，气性，气胸，气虚，气压，气焰，运气，气韵，气质，气功，霉气，煤气，鬼气，人气，氧气，福气，怒气，义气......... And there are 10 basic classification of 气: 1. 没有一定的形状、体积，能自由散布的物体：气体。 2. 呼吸：没气了。气厥。气促。气息。一气呵成。 3. 自然界寒、暧、阴、晴等现象：气候。气温。气象。 4. 鼻子闻到的味：气味。臭气。 5. 人的精神状态：气概。气节。气魄。气派。气馁。 6. 怒，或使人发怒：不要气我了。气恼。气盛（shèng ）。忍气吞声。 7. 欺压：受气。 8. 中医指能使人体器官发挥机能的动力：气功。气血。气虚。 9. 中医指某种症象：痰气。湿气。 10. 景象：和气。气氛。气韵（文章或书法绘画的意境或韵味）。 So, remember to ask your FSM what "气" he refers to when talk abt fs.

It's perfectly alright and not uncommon to seek "2nd opinion". The fundamental essence I raised: Knowing is one thing. Applying what one knew is another thing. In certain situations one apply not what he knew.

With this MMS keeps increasing, those reaching 55 very likely to sell away "bigger" house and stay in smaller one and get some cash out to really "enjoy life" first, I foresee this is the trend.

My SA is quite "solid", almost near 131k liao. Good news: from 1 sept 2011: employer contribution up another 1%, and, employee's salary cap will increased from $4500, to $5000. These 2 "good news" = "extra" $ goes into OA liao, chiong ah.

The watt calculation gives you a "better picture" of what you required. Some loads run on 3phase, eg 5HP aircon. Most home appliances run in single phase & the "power consumption" some expressed as VA, horse power, BTU, Watt. Have to convert all to watt and add all up. Rule of thumb, incoming breaker & cable has to size at 120% capacity, if all loads add up=100%.

Any number can be 为財. 四 is definitely as "丁", simply: 甲．、乙、丙、丁 I was born and brought up in "landed" "rural" area till age of 16 when move to HDB estate due to the GREAT relocation programme of s'pore. We were using the mentioned stove, on ground, in kitchen, fed by chopped wood. However, some corrections needed: 1. The stove was quite a giant, constructed by bricks & cement with some ceramic tiles(always had hairline cracks) 2. The traditional stove has "4 mouths" - A mouth where wok or pots sit onto, always on top. - B mouth leads to where burnt ash is collected. This is where the "air" in to help burn the wood. If this mouth is blocked, no oxygen will be taken in, fire would be distinguished slowly in no time. This is the so call 入气口. - C mouth lead to area where chopped wood are input while wok/pots remain on A mouth. - D mouth - chimney where carbon dioxide with all the white smoke are out. This is the 出气口。Without this mouth, one can image "how" the whole kitchen would be like after some time of cooking. A & D "mouths" facing "upward". B on top of C mouths, both mouths facing the user who can input the wood and output the ash. Chinese believes "气" relates to life. In reality, the problem is, there are too many/much "invention" of types of "气" around and ppls get confused, including myself......

415 x 100x1.732x0.8 = 57.5Kwatt 415 x 60 x 1.732 x 0.8 = 34.5Kwatt A normal hdb flat only 32A x 230V x 0.8 = 5.9Kw.

Advise: 1. All numerical number are "neutral", no such thing as auspicious(heng) or inauspicious(sway). 2. A master or owner who KNOWs WHAT he wants will decide what he wants. He who doesn't know what he wants, "yet till want" leave rooms for being manipulated.

My cpf $ par par: OA+SA+inv = $160k+, can see cannot touch till 55. 40% to 30%, now how many %??. One month takes $300 to drink coffee? Or, better to sell off all property and take all money & go holiday (hope by then heath condition allow) & rent the hdb flat? Claim that children don't want us?

Before kicking off the course, one lobang for you first, can take this as first financial lesson: ICTSI FAR EAST PTE. LTD. LAUNCHES VOLUNTARY CONDITIONAL CASH OFFER FOR PORTEK INTERNATIONAL LIMITED - Voluntary conditional cash offer - Offer price of S$1.20 per share represents premiums of 71%, 89% and 111% to 1-month, 3-month and 6-month average closing share prices - In-line with stated strategy to expand existing network of port concessions. Portek today halt trading, last done on Tuesday was $0.71. Read SGX's news offeror's(ICTSI) banker - HSBC's term & conditions.

Deal with numbers alone is a matter of the past, too static - read till bottom forget the top. Must learn to read graphs/curves/charts - pictures speak thousand words. http://www.trackthetrend.com/t18/

Video it with sound, lodge complaint to MC, ask MC to create bylaw.

All these are "life style choice". Choices made today bear "fruits" tomorrow. CPF OA, whether used or not, all time subject to "interest". The only "difference" is: - If CPF $ with CPF board, cpf board will pay you interest, so you will have more $. - If CPF $ used in property, when property sold, you need to pay back this interest to your own account. Longer the loan tenure, will use more cpf $, therefore "more" interest(amount)to be paid. The "indifference" is: ALL still your money, so can close 2 eyes to this stupid issue. Real issue is, I see no chance to withdraw this "hard-earned" money when I need it.

http://news.omy.sg/News/Local%2BNews/Story/OMYStory201105310412-249146.html We have read the news of "塑化剂", however many may not know what is it. Best advise is : avoid those drinks that come in "plastic" container. http://en.wikipedia.org/wiki/Bis(2-ethylhexyl)_phthalate http://www.doh.state.fl.us/Environment/programs/chemical_fact_sheets/Di2-ethylhexylphthalate_FS.pdf

To be precise, bazhai= 8 houses = classifies one's DOB into 8 categories of "directions". DOB A suit direction A, DOB B suits direction B, etc etc. The 8 category classification based on 0 to 9 is a "mathermatical game". All houses got only 8 direction meh? Doors?/windows?/balcony? decide house directions? Or a house with 8 directions facing suits for all kind of people To be precise, it is a branch of divination.

Bear one important in mind: "Accrued interest".

Ok lah, don't confuse you, get it right to the point: Bagua, whatever the arrangement of the 8 挂, is just an iconic picture, no more and no less. Alternatively, you can write: 000, 001, 010, 011, 100, 101, 110, 111 on your door.

You started an interesting yet boring subject. Long story to read (pls read china's 5 thousand yrs history)http://www.asia-home.com/china/dyna.php, the more one reads, more confusion will get. I have been confused for years. Bagua associates with I-ching. What I can say is: 宋代興起了易圖的研究，像廣為人知的河圖、洛書、先天圖、後天圖、太極圖（含陰陽魚的圓形圖案）等，都是《易經》原著中所無、後人根據對《易經》的理解添加進去的。《易经》的主要内容分三个方面，就是理，象，数。 (易經)事实上是集合了古代的《连山》、《归藏》和《周易》,但《连山》和《归藏》已经失传。《易經》以一套符号系統來描述狀態的变易，表現了中國古典文化的哲學和宇宙观。它的中心思想，是以阴阳兩種元素的對立統一去描述世間万物的变化。 廣义的《易》包括《易經》和《易傳》。《易經》分為《上經》三十卦，《下經》三十四卦。 由于《易經》成書很早，大約在西周時期，文字含義隨時代演變，《易經》的内容在春秋戰國時便已不易讀懂，因此春秋戰國時代的人撰寫了《十翼》，又稱為《易傳》，以解讀《易經》。 普遍認為《易經》最初是占卜用的书，但它的影響遍及中國的哲學、宗教、醫學、天文、算术、文學、音樂、藝術、軍事和武術。自從十七世紀開始，《易經》亦被介绍到西方。十七世紀末，德國哲學家及數學家莱布尼茨因漢學大師布維（Joachim Bouvet，漢名白晉，1662年－1732年）的介紹、更將《易經》以二進制解釋(Binary system)。 I have drawn the "sequence" of the 8 components of both bagua. Can see any difference or "logic of difference"??? http://img94.imageshack.us/img94/9910/95764274.jpg http://img191.imageshack.us/img191/3828/88518741.jpg http://zh.wikipedia.org/wiki/%E5%85%AB%E5%8D%A6 My personal advise is: forget about what early/later bagua. Some peoples enjoyed confusing peoples. I-ching in fact try to explain the complex laws of mother nature. 一物克一物, bagua itself cannot 克 anything.

Build more rental flats, those good-at-calculation retirees will flood the frontline before the divocees.

Gong gong eat, gong gong grow. In Malaysia, corpse 3 days in water tank, ppls still drink the water. Singaporeans having super high living standard, corpse in water for 3 hr, demanded TC to change water tanks??? Might as well demolish the whole block! The tank could be the bangladeshi cleaner's "personal swimming pool" for years.