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The english google translation is poor. Read the article carefully again. Esp the last 3 para, author believed only in HIMSELF, though he stressed he believed 命 and not 运 & disagree with the "sequence of arrangement". He believed more in humanity science than natural science.....

Though SPF can't produce practical & effective help on this, it is SPF's CONSTITUTIONAL DUTY (they take taxpayer's money, should make them work for you)to crack down any CRIMINAL act. Not updating address within 28 days is classified as "criminal act". That is why I said earlier that please take down officer's name, report number and date. Go to meet Wong KS if this criminal act can't be solved within a certain time! Next, you have everyright to COMPLETELY ignor those letters(white, or red) where you are not the addressee. Anyone(except police)not that you know of come & harass you, ask police to handle, as simple as that.

Ensure your investments in OA yield >2.5% and >4% in SA. Anyway, afterall, the "profit" still go back to cpf account. Towards a conservative & logical approach, while making monthly payment, make sure the OA also growing. Till a certain point of time (say 50k or >), then do a partial payment towards o/s loan amount, to cut down the interest and make changes to tenure. There is no quick way. The longer the tenure(slowly pay as muffin quotes), the more "interest" one needs to pay.

No complaints = no actions from SPF, therefore no alert to public prosecutors, tenants are at large. Even complained, SPF has no "strategy" to act on situation like this(pt 3). The supercomputer at SPF stores thumbprints of all citizen, perheps, SPF should input the "culprit"'s biodata & work with ICA's computers at various checkpoints to deny entry/exit when "culprit" happen to be gaining entry/exit there.

1. SP's SAP computer programme is smart enough not allowing 2 different clients' ID under same address, otherwise SP eats north-east wind liao. SP will get court's order to deduct o/s amount from that person's cpf account as & when they deem fit. 2. Statutory boards letters received mean this tenant has not updated his address! It is illegal thus constitutes an offence if address not updated within 28 days after moving out. Public Prosecutor has the POWER to bring him to court. SPF will notify PP if to bring him to court if SPF has the evidence which needs to be provided by you! This is a criminal act, SPF has the constitutional duty to handle this. 3. Question is, can police catch hold of him? If I were you, I will make a police report, attached with the relevant letters on tenant's name & IC number. Frame up the police report, take note of the report number, name of police office who makes the record, and the date. Keep all the incoming st board letters (write date of receival on outside), discard the rest of letters, for 1 month. If no improvement, go to MP with all the st board letters & the report.

Read here: http://img80.imageshack.us/img80/1276/hdbloan.jpg PM me your email, if you like to study the formular.

Many have voiced up this issue over & over, years after year, and gov turns a dead ear. OA withdrawal rule will be phased out in 1 january 2013. SA withdrawal with be increased from 62 to 65, and more to come. Minimum sum amout keeps increasing, until all "Money" in get "stuck" in cpf. Medisave account ? Gov should let the citizens vote if to PHASE OUT OA withdrawal rule, to INCREASE minimum sum year by year, to INCREASE SA withdrawal age ! Not just read and pass the Bill in parliament! Temasek Holding should ask all cpf holders if they want were to park their money with Temasek Holding willingly or not! http://business.asiaone.com/Business/News/...731-158244.html From 1 January 2011 those reach 55, can withdraw ONLY 20% from their OA. Further reduce to 10% from 1 January 2012. From 1 January 2013, withdrawal rule phase out liao. Can withdraw only $5k for buying candy. It takes Egyptians 30 years to build up the "dissatifyiers" to say "ENOUGH !" and acted. Would not be long to be our turn here if gov still turns a deaf ear to the voices.

Mouth = kou = 口, better learn chinese and the chinese input methods asap, many angmohs who know the trend already migrated into oriental with their children...... What WP said is true(SA). OA, SA, MA are all "hard earned" money by individuals, ought to be returned to the rightful owner in "due time", not keep increasing the "time". Only those affected by the policy could feel the "pain", the young ones now feel no pain, but 终有一天 will be their turn. If the money there not for "retirement" then, they are for purchasing property? Further study?(Only full time, part time not allowed - this policy makes me angry) The more "delay" of withdrawal, the more ppl would suspect PAP's intention on the usage of the money, or what have happened to the money, loss in investment? Mismanage? Don't tell me kena like Japan's pension scheme "loophole" happened years ago - senior citizens's acount registration went "missing", " mismatched" when these ppls were due to draw money....

Since "dimension" is mentioned. Just to share what I have learned abt this from books( once i was crazy abt this): simply put, in physics & mathermatic: 1st dimension is a "dot". 2nd dimension refers to "an area" without thickness, like "shadow". 3rd dimension is "volume" or "space", with length, width, height... 4th dimension = more than space. We (humans) are in "3rd dimension". We can see things in 1st, 2nd & 3rd dimensions, but not 4th dimension, unless who is "tong ling". A 4th dimension being is able to see the world in 3 dimension. There "could be" a "world" exist in 4th dimension. We coin that "world" = spiritual world = heaven & h e l l . Our dear Albert Einstein suggested that if beings (we) in 3rd dimension world can move faster than the speed of light(move around the earth circumference 7.5 round within 1 second!), then, we (beings in 3rd dimension) are able to go into 4th dimension world, such that we (in 4th dimension) can go into the 3rd dimension world at any point of time (past or future in 3rd dimension world). Ok? Don't ask me why dogs, babies/tolders, tong ling ppl......

Look like the seller's agent(s) have paired and ganged up and are playing "dirty trick" while keeping everybody in the dark, in the hope to get higher selling price. The "relative" story very likely is a make-up by seller agent. If you wait, be prepared to hear another "story" the "next day". Speak to seller's directly through your agent or yourself, if you really love the unit. Be prepared to experience the similar next time you find an unit you like.

Heavenly stem- 辛(xin)- is a yin metal year. Earthly branch - 卯(mao)- is a yin wood rabbit. Please take note that 卯(pronounced as mao) is always a yin wood rabbit, or rabbit is always "wood" (spring). So, to be precise, in the 60 sexagenary cycle, 辛卯 year is a "yin wood(spring) rabbit in yin metal year" - 阴木兔在阴金年。 Yin(heavenly stem)+Yin(Earthly branch) = yang (read Book of Change about this). So technically, this lunar year is "wood rabbit in metal year", not "metal rabbit" nor "wood rabbit". I born in 癸(gui)卯(mao)year. 癸(gui)- ia a "Water year". So I'm a yin wood rabbit in yin water year - So my late uncle asked my late father to remind me to stay far away from "Water". Water always associate with "trouble", so in the west has " troubled water", and "bridge over the troubled water". Remember I have mentioned in a post to ask forumers to observe the bright "Venus"(金星) in the East in early morning? This is a Metal (金)year! Next year will be a "Water year". Anyway, anyone knows what has Venus got to do with lunar's metal year?

Like father like son. Father's dream is to have each Singaporean own 1 property only. 2 properties? Eyes red red liao. Waterfront Isle (next to waterfront Gold) sold 88 units out of 132 during preview. Mortgage Loan figures the highest in Dec 2010. More record breakings to come.

Kallang Basin's water overflow on 30/1/2011. Dams or human not working?Only mentioned over radio, no photos, no tv, no press....

COV=0? Look like you hit the jackpot. http://img811.imageshack.us/img811/8003/book1g.jpg

Hello, good morning to all dearest olds fs friends, old Tiger year is fading away while new Rabbit year is just few hours away, just to write some before year starts new. 1. Friendship is like a book, it takes few seconds to burn, but years to write. 2. All things in life are temporary, if go well, enjoy it, they will not last forever. If go wrong, not worry, they can't last long either. 3. Old friends are Gold, new friends are Diamond. If you get a Diamond, don't forget the Gold. Because to hold a Diamond, you need a base of Gold. 祝你在新的一年里，工作顺利，家庭幸福，身体健康，万事如意！

Precisely, great minds think/do alike. When young, no choice no enough money, have to work & save hard, redeemed HDB unit and bought a L99 private, then redeemed private and sell away and bought a resale HDB for staying and same time buy a FH for standby...This is exactly what i did/do. Imagine 2010 hdb resale PPI increase 14% & private 17%, with my experience & skill in stock mkt could make only 7.8%! I've once(2007) converted SGD72k into USD50K in a timed deposit, I made a decisive decision(because of the L brother) to quit after abt a year later & lost abt SGD7k, if I still hold on, l would have lost more. Some months later, I put abt SGD100K into NZD 3-monthtime deposit with 8% interest rate( now no more 8%!), I recovered back the loss about a year later ! I'm now tempted to go into RMB, but which banks in Singapore provide such service as RMB time-deposit (earn interest & appreciation)- I've checked with all banks - none! May be can consider to buy from money changer and keep the RMB in home's safebox and wait for appreciation( how many % yearly?) and forego the interest return.

The above-mentioned rates are internet-usage based, UOB Kayhian, standard rates, no discount, everybody the same. $19.5k is net take home profit. I switched to internet trading abt 2 years ago liao. If through phone, the rates will be even higher. Whether phone or internet, still needs a remisier to serve, just in case the net is down. Remisier sends me almost 10 different reports each trading day, for information. Very tired reading all those.....but still need to read for keeping myself up to date. Like now Eqypt unrest....investors worry the unrest will spread to oil-rich neighbouring countries then oil price.....everythings' prices will be affected...sigh.

2.2mx(0.275%+0.275%)=12,100. + clearing fee @ 0.04% +access fee @ 0.0075% +gst @7% (buy & sell subject to all these)

Exact "accumulated" yearly(2010) buying-in figure was 2,235,869.60. This is the figure of summation of price of all counters that were bought during 2010. Meaning many in/out transactions. Still got abt $220k got "stuck" in the mkt, if sell now(price @today 5pm) will lose some 32k. 2,235,869.6/250k = 8.94 times! Remisier is a long-standing ex-colleague, has been sending me season greeting cards, calender, books......He earns my brokage fee till "siao" liao. Take buy brokage fee at 0.275%, & sell brokage fee at another 0.275%.....

I did that few years ago, stayed in condo for 3yrs+ then sell away and bought a resale HDB, now stay in HDB. Started realising HDB units are being "subsidised" by gov, why should singaporeans give up the "privilege" by selling away HDB and "fighting for price with foreigners" to stay in condo? Depending on CCR/OCR/RCR and amenities, psf price varies a lot le.

Webs given are all correct. I studied "Capital Budgeting" in 1992, both "FV", "inflation rate" & "opportunity cost" factors have to be taken into consideration while making decisions as to choose the best choice of investments if there are a few of them of similar nature available but one can only choose one investment only. This is like someone having some cash on hand wanted to buy a private property and facing practical issues: New or resale? Rental yield immediately/cash flow problem for deposit/instalment now or in near future? Appreciation rate for new vs resale? FH vs L99/L999? If buy resale get immediate rental yield and forego new purchase, the opportunity cost is how much? One has to take note that prevailing interest rates for deposits(say FD, saving,etc) are always lower than the prevailing CPI(inflation),otherwise all banks eat "north west" wind liao. If you see a country with "high" domestic interest rates, mean that country's inflation is higher than that rates. Singapore's FD/saving is abt 1% and cpi is 5%, difference =4%! Liquidity is another consideration factor, "how bad" you need that sum of money in near future? Generally, as rule of thumb, if investment's roi is = or >CPI, then, one is making a "good" decision. However, there are always "better" decisions. My real encounters: 1. Stock mkt( Jan-Dec 2010): invested $250,000. In/out several counters, the "accumulated" IN(buy) amounted to some $2.2mil! I made profit of $19,500 = 19500/250000 = 7.8% ROI. Another possible investment of 250k is to put in fd which earns abt 1.5% or less which is the opportunity cost. I've made a "good" decision. 2. Was caught in juncture whether to buy a resale FH or new for "investment", instead of putting cash with bank or in stk mkt. After much cal/consideration/observation, bought a "new" $1.03mil FH, top 2014 june. Loan 80%, 1st cash disbursement for 10% expected ti be in march this year... Having written so much above, one need to have relevant knowlege and keep learning, most importantly is doing "homework". Homework pays.

I supposed you have no grill and curtain fully extented, wind blows out through windows. Only way is to get powerful-enough clips, clip the cloth onto window frame....Velco tape not poweful enough.

In accountancy, there is a Future Value of money calculation formular, mainly used in Capital Budgeting: FV=PV(1+i) x to the power of n. FV=future value PV=present value i= rate of return=interest rate n= number of period of payments Say, pV=$1000, i=1%, n=10 years=10 So FV of money 10 years later will be = 1,000(1+0.01)x to the power of 10= is about $1,100. This formular has not taken in some factors like appreciation/depreciation of money over the years. Example if a country keeps printing money, its currentcy value will drop fast....

Retirement, simple yet difficult, need fix some assumptions first before calculation is made possible thus following make sense: Assumptions, at retirement age(say 60 year old): - No financial liabilities for all sort of "loans"-eg car loan, house loan, hire & purchase.... - Insurance premiums all fully paid. - No need to give $, in whatever forms( eg Angbao...,), to relatives, children, grandchildren..... - Best with some sources of income. eg, From chrildren, dividend of stock, interest of some deposit, rental of some assets,need no payment of taxation....... - Retirement lasts for 15 years. - Forget about the SA in CPF. Calculations: - Everythings apportioned to monthly based. - Eat, cloth, entertain, tpt, social....- $400 - Medical expenses-$100 - household utilities bills -$150 - CPI of 3%-5% is negligible and omitted. - No other income sources. So, mothly abt 400+100+150 = $650 Yearly = $7,800 15 years = $117,000 In other words, now need to set aside $650 (in OA or cash)monthly for 15 years without fail! Above just an example of a down-to-earth "template" of assumptions & calculation for retirement age, can follow & modify to suit your own need. No copy right.

40% of take home pay? Good habit, keep it up!