godloveyou

2011-1976=35, 5 more yr to 40yr. Residential with remaining lease <60yr can't use cpf. - Potential for enbloc - Look like only SPRs loaded with cash/without cpf would consider. - Typical s'poreans won't buy. - 3rd fl, a bit low Target yr buyers to SPRs ONLY, possible to get 100kCOV. Good schools around?

Based on WHATssss???Figures & trends? GDP, CPI, benchmaking of various trades, import/export models, monetary and fiscal control,....... or simply observing the stars movement over the sky??? Bazi got DOB, 大运(every 10 yrs incremental since 6 or 7 yr old)till 60 yr. Example,6,16,26,36,46,56yr old . Use that yr's 阴阳/五行,tabubulate the tables according to 五行的“旺相休囚死”, 五行寄生十二宫的原理 and compare against one's, and make the changes(participate or withdraw), base on who "旺相休囚死“ you. According to 子平, use individual's day 干 as "我". Before him, DOB's yr's 干 was taken as "我". Quite "rubbish", might as well use every month, everyday's 干 change against individual DOB's day 干, and plot the table, this is more practical & down to earth. Right?

Speak of devil, devil comes. Visitors are invited to Seatrand pasir Ris Dr3, showrm on 14/8 for: kite flying & BBQ dinner. 4pm to 8pm.

Err, excuse me....you got mixed up. THE STATEMENT: The Federal Reserve pledged to keep its key interest rate at its record low of nearly zero through the middle of 2013. The central bank also said that it has discussed "the range of policy tools" it can use to spur the economy. Bank loan, chiong ah.

Confirmed the "rain" started, before was only "dark clouds" over the west. Rain has come to the east. Trillions of $$$$ evporated over 2 days in financial mkts. Everyone wants their cash back into pockets. Foresee s'pore property mkt will do the "regression" soon since this ghost month and what a great national day celebration! Wait & see the actions of the G7 next. Germany has declared to buy greece & italys' IOU. USA will auction debts to raise billions of $$$ in the next few days, wondering WHO will buy??? Credit rating down from AAA to AA+ by S&P, likely will down further. Gold price at abt SGD66/g, wondering WHO will buy it as "safe heaven"??? Look very much like everyone will keep cash first, wait & see,for the coming months. Residential developers now headace, will come out with all the "patterns" to let go the units on hand. LHL & Tharman Motek Shanmugaratnam should be in closed door meeting discussing how to stimulate domestic mkt, while keeping the CPI down. Look like rebate and "training & re-training" packages will be out pretty soon. 1% public tpt increase at wrong time, COE increase at wrong time........

HOLD, don't buy anything NOW till eoy. Credit rating down liao, 14.4Trn +2.1Trn = americans seow liao, still want to auction debt in Aug in short/mid/long term.... "Rain" starts - some expect it to stop within a few hours and go shopping after that. - some caught in the "rain" without umbrella, wet. - Some caught in "rain" with umbrella, looking for bigger shelter. - Some see no "rain", keep shopping, enjoying...don't prepare "reserve" - Better build up the "reserve" to prepare for choppy waters for the coming 3-4 years. Look out for news in eurozone countries and usa. France and Germany scare liao.

"National day" remind me of my encounter in S.Korea and Taiwan, not sure abt other countries. Told Koreans 9/8 is S'pore's "National Day", they "huh?" Don't understand, must tell them - "Independence Day" Told Taiwanese 9/8 is Singapore's "国庆日", they "huh?". Must tell them - "独立日"。 Anyone know the political reasons that why "national day" is prefer than "independence day" for singapore???

US long term debt rating downgraded from AAA to AA+ by S&P US loses AAA rating due to political risk and rising debt burden • Last Friday (5 August) after the US market close, Standard & Poor's, one of the three major credit rating agencies, downgraded the US long-term sovereign credit rating by one notch from AAA to AA+. • S&P's outlook on the US long-term rating is also negative which means that there is a possibility of a further downgrade to "AA" within the next 24 months. • However, the short-term US debt rating was unchanged at A-1+. The writing was already on the wall of an impending S&P downgrade when the 2 August deal between US lawmakers could only reduce the US budget deficit (over a decade) by at most US$ 2.4trn, well short of the US$ 4trn S&P was looking for in order to affirm US long term rating of AAA. However, the timing of the downgrade could not have come at a worse time when the global equity markets suffered one of the worst weeks amidst global growth worries and festering Euro area sovereign debt crisis that is now threatening Spain and Italy. •Our assessment is that market will be nervous in the coming days, trying to quantify the damage of the downgrade. Both equities and FX markets will be choppy. Israel market was down 7% yesterday, while NZ equity down more than 3% as of writing. Nikkei down 1%. •Key areas to watch include haircut in the $4trn repo market, and possible bail-out in money market funds and possible liquidity disruption. So far, they look manageable, but indirect effects are always difficult to quantify. Meanwhile, foreign central banks have so far affirmed their support for US treasuries. •In all, the short-term price action will be higher yields -- especially at the longer-end. Longer-term, credit downgrade will steepen the yield curve, especially with QE3 in the radar screen. •Keep watch on Moody's and Fitch, which could change the equation dramatically. Not merely economics, it was politics S&P explained that the recent (2 August) fiscal consolidation plan (of at least US$2.1trn in savings over ten years) by the US Congress and the Administration fell short of their expectations of what "would be necessary to stabilize the government's medium-term dynamics." In addition, the recent political brinkmanship that was played out before the US managed to secure a last-minute deal to increase the debt ceiling limit to avert a default, has put serious doubt that US lawmakers can work towards "a broader fiscal consolidation plan that stabilizes the debt dynamics any time soon." S&P cited that the battle over the debt ceiling showed that the US policy making was becoming 'less stable, less effective and less predictable than it has previously believed'. The $2trn debate... But? The US Treasury Department which was given the S&P report before the official release claimed that the analysis done by S&P had overestimated discretionary spending by US$ 2trn. S&P acknowledged its calculation error but still released the report after a few hours of delay as they explained that the overestimation does not alter the fact the US debt to GDP ratio would continue to increase over the next ten years. Capital Weightings... What has changed? The US Federal Reserve subsequently issued a joint press release on the same day (with the Federal Deposit Insurance Corporation, the National Credit Union Administration, and the Office of the Comptroller of the Currency), that "for risk-based capital purposes, the risk weights for Treasury securities and other securities issued or guaranteed by the US government, government agencies, and government-sponsored entities will not change." The statement also noted that "the treatment of Treasuries and other securities issued or guaranteed by the US government, government agencies, and government-sponsored entities under other federal banking agency regulations …will also be unaffected." After S&P, all eyes will be on Moody's and Fitch ratings After the US government debt deal was signed into law on 2 August, the other two major rating agencies, Moody's and Fitch Ratings affirmed US triple A rating but pointed that more was needed to reduce the ballooning US budget deficit. Moody's affirmed the US AAA rating but put its sovereign debt on negative outlook which makes it possible to downgrade within the next 12 to 18 months. As part of the debt ceiling deal, another USD 1.5trn worth of deficit reduction, including from entitlement and tax reform, is need to be agreed upon by the newly created Joint Selection Committee on Deficit Reduction by 23 November. If this committee fails to agree on a deficit reduction plan of between USD 1.2-1.5trn by 23 November, we believe that would be a clear opportunity for Moody's to join S&P for a US downgrade although an earlier move ahead of November cannot be ruled out. We also cannot rule out another S&P downgrade in November should the new committee continue the political antics that plagued the debt ceiling limit crisis of 2 August. Meanwhile, Fitch did not rule out putting US debt on negative outlook as well when it concludes its review of the United States at the end of August, so that is something to watch out for. Impact of the downgrade on US treasuries? To assess the effects of a US sovereign rating downgrade on its US Treasuries (UST) is not that straight forward. To begin with, the US was never downgraded ever since it was given it AAA rating status since 1941. More importantly, the greenback is both the reserve currency of the world, as well as the asset of last resort. Essentially, while negative for US assets market, if there is any major meltdown, adding on the problems in the European space, and the lack of alternatives, US treasuries could well be the eventual beneficiary. The risk aversion environment the global economy is in right now adds to the complication, and that there is no substitute (or even near substitute) that is as broad and deep as the UST markets (estimated to be more than US$35trn as at end March 2011, according to Securities Industry And Financial Markets Association or SIFMA). Last Thursday price action clearly indicated this, when US DJI fell more than 500 points, USD actually appreciated on safe haven flows, and US 2-yr yields traded lower. How will financial markets pan out over the next few days? For now, we hypothesized that a US rating downgrade to AA could lead to a kneejerk spike up in UST yields but the subsequent flee to safe haven assets could press the UST yields back lower again, and the brunt of the downgrade would actually be borne by a sharp correction in equity markets, industrial commodity prices, and risk-related FX (such as EUR and AUD). There will not be an immediate or even medium term UST sell-off due to a lack of similar substitutes for funds to move into. Central banks (ex Fed Reserve) should be increasing their pace of passive diversification away from UST holdings and gold (and hence gold prices) could be a clear winner in this diversification process (Gold futures at record high of US$ 1695/ounce this morning, 8 August). Other safe haven assets could also likely to continue to see inflows including JPY and CHF (at a record low of 0.7593 against the USD this morning, 8 August). And countries whose debt remains at the coveted AAA status could see increased demand and these countries include UK, France, Germany, Australia, and even Asian economies like Hong Kong and Singapore. In the longer term, with the US debt being rated lower at AA+, investors will demand a higher interest to hold US debt and we should expect benchmark long term interest rates to increase. We think it may rise by 0.5-1.0 percentage point. According to SIFMA, they estimated it will add 0.7 percentage point to UST yields and that will translate roughly US$100bn of additional funding costs to be borne by the US government. Watch risk of QE3... and how the US yield curve will shape out? The other complication is the much talked about QE3 by the Fed. How would it affect US yield curve, amid the downgrade? Quantitative easing (QE) is an unconventional monetary policy tool used by some central banks to stimulate the economy when conventional monetary policy via interest rates has been exhausted. QE is implemented by the central bank's purchase of financial assets (for example US Treasuries) from banks with newly created money, thereby increasing the excess reserves in the banking system. And it will also keep the UST well demanded and the yields will be pressured lower -- at least the short-end. Thus, if we have to make a call, it would be lower short-end, while higher yields for longer-dated reflecting the credit downgrade. Potential liquidity shock? Higher collateral demands in repo market, and leverage implication This is one of the channels that we are a little worried, as it could affect global liquidity situation. In the US$4trn repo markets, US Treasuries are the primary form of collateral pledged by borrowers. With the downgrade of the US sovereign rating, it is likely that a larger haircut will be demanded on these securities as lenders will require more UST as collateral for the same amount of cash. Accordingly to various fixed income investors, haircuts for USTs in repos are estimated to be around 2%. Estimation is that haircut could be increased by 1% point to around 3%. Also, the impact of this haircut will reduce leverage by banks as they have to post more collateral than before. Sell-off by Money Market Mutual Funds? Reportedly, that S&P has maintained the US short-term debt of at AAA, the $2.6trn money market mutual fund industry should not suffer from extended major sell-out. But, short-term knee jerk reaction should not be a surprise. Responses from major central banks: Still supportive of US treasuries One of the key risk is perception of global investors, given that foreigners hold more than 30% of US Treasuries, and 60% of global FX reserves are held in USD. So far, the responses from some of the central banks over the weekend remains supportive of holding US government debt. According to Bank of Korea, it sees no big impact on US rating downgrade while a senior Japan government official noted that there is no change in Japan's trust in US Treasuries and UST remains an attractive investment. Australia also warned against over-reacting to the US downgrade. China, by far was the most vocal of the US government's management of its finances, saying that the US needs to cure its "addiction" to debt. According to Japanese sources, there will be a G7 finance ministers teleconference as early as Monday (8 August) to deliberate on the US downgrade and the European debt situation. It's all about liquidity and lack of alternatives Perhaps, one key factor is the lack of alternatives. So far, S&P has given 18 sovereign entities its top ranking, including Australia, Hong Kong, UK, etc. To begin with, S&P has made clear that the difference between AA+ and AAA is only a small degree. By definition, AA means 'a very strong capacity to meet financial commitments', as opposed to AAA of 'extremely strong' to meet financial commitments. Meanwhile, other countries such as France and Germany are still holding onto their AAA rating but remained bogged down by issues in the European space. UK and Switzerland are implicated by the economic growth prospect of Europe as well. Asia is holding well, but liquidity and depth of these markets cannot be compared with the US treasuries. Key events to look out for this week from the US There will be several events to watch out for this coming week that may determine the damage inflicted by the S&P downgrade. • On Monday (8 August), S&P will release the credit ratings for financial entities that are backed by the US government (including Fannie Mae, Freddie Mac). • On Tuesday (9 August), the Federal Open Market Committee (FOMC) holds its scheduled meeting and monetary policy decision, the first policy decision right after the downgrade. • Gauging the appetite for longer dated US sovereign debt, there will be a US$ 32bn 3-year note auction on 10 August, a US$24bn 10-year note auction on 11 August, and a US$ 16bn 30-year bond auction on 12 August.

Daiwa, care to elaborate more on what is "chi-blueprint" of that particular year, month, day, time??

http://www.goldprice.org/spot-gold.html Gold was at SGD52/g a yr ago, now SGD65/g. If bought at that time for 220gm. Now = 220-(0.12x12) = 218.56g Gain = (65-52) x 218.5 = 2,840.5 Principal= 220x52=11,440 yield (pa)=2840.5/11440 = 24.82% Why not??? FD offers ~2% pa

USD up, gold price down. USD down, gold price up. Gold price has the same characteristics as crude oil price. In long run, USD will still down, down, down.

Like that Ar, then after the CEA course, should further study the sales & marketing course,to know and apply: Just to name a fews: Create awareness Product mix, Marketing 4 Ps Market segmentation Many the Ps,Ss, Ls..... After that, further study business law, understand gov bodies' functions (BCA, URA, CEA,JTC,NEA,HDB,PWD.........) To get ppls and let ppls know you, only one way: through A & P.

- These pt blks have smaller built in area (114-117sqm), as compared to those in bedok north. - Those 114sqm without store room. - Good location, windy, convienience, nice view. - Gate is for privacy, is not "not safe". "visitors" can't access lifts and staircases. - Near 40 yr old liao.

Admin charge = 0.12g per month. You bought 220g, after 10 months becomes 218.8g. After putting there for 2188 months, account book print "ZERO" value. Approx 1g=$60 per month admin charge = 60/10 = $6.00

Name legally transferred ON 2nd appt. Reno application to HDB, till approval, takes approx 1 week, depend on complexity of works. Take time to negotiate materials/design/pricing etc....should have started as early as once after 1st appt.

S'pore's Ah Long is "peanut". Once you stay 3 months in Malaysia, HK, Taiwan or China, you'll understand and appreciate what I mean.

举手之劳,不足挂齿。 Now then you know got so many books to read in order to understand Bazi, not too late yet. Majority chinese s'poreans need polish up command of chinese to understand these books. Language is the "key" to mountains of treasure. No key or wrong key ends with empty hands. LKY appreciates this most.

6/2/1977 is 53th cycle of the 60. Cycle no: 53 = Jan 31 1976 to Feb 17 1977 Dragon tail, Snake head. Yang Fire 丙 辰 Dragon

Since young, we have been told : No fire without smoke. In reality, not easy to detect "smoke", old birds can sometime be conned too. For good units, sellers always call the shots. Buyers listen & follow. Now seller is eagerly need cash. Seller now "listens" to buyers' requests and buyer's scared, for just Ah long issue???? Believed the location/floor level/sun/environment/neigbour issues deter buyers, not ah long.

To collect particulars of clients. To have common understanding of stated "terms" before transaction, minimise disputes. CEA comes out these standard forms out of due consideration and needs, it is just a matter of "enforcement". You can always email CEA & question their intention. Responsible & matured buyers won't mind "to register their interest" in black & white, unless the buyers already decided to DIY.

To me, this is very "personal". If situation allows you to reno/move in late, why not "giving" seller the convenience to extend? They would appreciate your kindness. Taken "rental" or not is all up to you. Thought HDB has the MOP rule, you don't tell, he don't tell, who care? Some more it's just amonth or 2, not a year or 2. Right?

Buy?? Don't need lah, just download. 渊海子平全书 http://www.fengshui-chinese.com/discuz/viewthread.php?tid=66951 Other books: http://www.yxun.net/down.asp?classid=2 Remember, original texts in 文言文, if can't sleep at night, read these will make you snooze off.

Ask you to read china history you say you don't understand chinese much. http://www.asia-home.com/china/dyna.php 子平 was born at end of 五代十国(AC 900-979), was a good writer. Wrote many books as to bazi system: Some of the most heavy weight books as follow: -滴天髓 -滴天髓闡微 -窮通寶鑑 -三命通會 These books cover the areas of some of following, not limited to 命理基础 五干属阳，喜合。 五干属阴，喜冲。 论天干地支暗藏总诀 《论五行生剋制化》 《论日为主》 《论月令》 《论太岁吉凶》 《论征太岁》 《论大运》 《论疾病》 《论性情》 《干支体象》天干 《干支体象》地支 《论伤官》 《伤官说》 《论食神》 《论正财》 《论偏财》 《正官论》 《论偏官》 《论七杀》 《论官星太过》 《论官杀混杂要制伏》 《论印綬》 《论倒食》 《论劫财》 《论阳刃》 《论日刃》 《论日贵》 《论日德》 《论魁罡》 《论金神》 六亲专论 《六亲总篇》 《论父》 《论母》 《论兄弟姊妹》 《论妻妾》 《论子息》 《论小儿》 《论小儿关煞》 女命专论 《论妇人总诀》 《阴命赋》 《女命总断歌》 《女命富贵贫贱篇》 《滚浪桃花》 《女命贵格》 《女命贱格》 命理歌赋 十神论命口诀 断命口诀 看命妙訣 八字真言口诀 四言独步 玉照神应真经 子平举要歌 天元一字歌 讲命捷径赋 干支同体歌 妖祥赋 万金赋 五行元理消息赋 明通赋 崖泉如镜赋 络绎赋 继善篇 五行生克赋 金声玉振赋 心镜五七赋 碧渊赋 爱憎赋 Then 宋代's Mr.徐大升 reorganised the above and compiled the 渊海子平全书. This is the "reference book", must read if want to understand bazi. I've read some of those "basic" ones only, Found hard to comprehend, readers must understand the then china history, social structure, culture, rituals, star constellation.... if not, as if facing a wall with "treasures" behind. I regard some areas as "rubbish"- abt the 太岁论 and the 六亲论. The "合" and "冲" concepts are far too subjective.

万事起头难。 School never teach all these meh? Perseverance Persistence Harworking Be humble, Honesty Sincerity There's will there is a way...... Practice above sure bring you to somewhere one day.

New & resale are different. Don't you fill in particulars in guest book to show "register your interest" ? while in SHOWROOM? Handshaking is always two-way which signifies an acknowledgement.