Cecil Lee

Some aspire one day to attain high office... Hope her wishes come true! Saint Mercy

Is it a dragon that will soon turned into a snake with fangs? Sounds familiar? : CSM

1. You may like to do a search for "frontage". 2. Briefly: 2.1. In traditional times, all homes are at ground level: thus most of the time, the frontage is = standing inside the main door looking outwards. 2.2. But if one reads the various explanations, why often the main door is not the frontage especially for high rise; then one can understand that majority of the time, the stack or standing inside the balcony looking outwards should be taken for the purposes of applying Flying Star Feng Shui. Since this is the location with the most "Yang qi". 3. Thus, since majority of street lamp post and directional signs are of a certain height; it is preferred that your dream apartment should be at least 5th or more storeys high. Thus, I would not want to think of getting an apartment at say 2nd storey, as it will not offer unblocked view and the earlierillustration of an amok vehicle ... 4. In my opinion, for majority of flats, the frontage should be one where there are the most openings rather than the main entrance door.

I can still remember vividly the shock after visiting the first unit at Livia condominium. Another sister project by CDL Properties. Then, out of curiosity, I knocked on the interior wall of a large unit. Virtually all interior walls are of dry partition. And not only that, the entire walls of the toilets are also of dry wall partition. Shocked because, with today's Singapore sky high property prices, one would expect the same traditional built quality (at least) using pre-cast concrete = brick and mortar type of construction. NV Residences being another sister development of Livia condo, should I must say share the same fate. No wonder, what seems like NV Residences expected TOP in 2014 should now be a year earlier. And most likely TOP pretty soon this year! Personally, I got to thank Livia. As when I was looking at as much as 40 different developments (to purchase); I personally kept clear of CDL properties and some others which also share similar construction techniques... for one a certain new TOP development = 8@Woodleigh... Fortunately, there are still other developments that kept to the true "solid wall" construction method. Phew! Here, it is not true that if one pay peanuts, one get peanut shell. But rather, here one pays a premium and yet, get peanuts of an interior... Furthermore, even government HDB flats are a far cry better than this. So far, majority of new public housing flats use solid walls. Some although use thinner (but sound proof) precast concrete walls; they are still considered solid walls. The only slight disappointment of some HDB flats was some stocks that TOP around 10 years ago where the toilets share the same fate as Livia condo. Some of these flats can be found in Sengkang. Otherwise, today, HDB flats are now solid wall construction.

It is not like it is the end of the world..... Goddess of Mercy is always forgiving....

These are some considerations: 1. In the 1960's my grandparent had also a Guan Yin figurine. And was also blessed and given to me in the 1970's. This figurine also has some chipped part e.g. the tip of one of the red lotus leaf was chipped off slightly at the tip. 2. In the last few days I still displayed it (not for praying) but kept as one of the decorative piece in a display shelf. But I have since packed it up. 3. Sounds abit similar to your situation. Although yours has her finger chipped off and fixed back. 3.1 In my opinion, it is real waste or too drastic to "throw" it away. 3.2 If you feel really unsettled, then get a replacement "blessed" and maybe keep or store this one away. Given that you still pray to a Guan Yin. Perhaps even later on, throw it away - if question comes up in the future or everything remains status quo.. 3.3 Thus I feel that there is really no harm to keep or store it away given that it does have SENTIMENTAL value, like what I had mentioned under Para 1. And since it belongs to your later grandmother all the more... again NO HARM storing away later on SHOULD you decide to buy a new Guan Yin. Unless it takes too much space in your home. 4. Frankly there is no hard or fast rule. Like a former Singapore Minister: Mr George Yeo says "go with the flow" or in my opinion: go with your gut feel. 4.1. Or check with your spouse or elder for their advice. Treat it like a "National conversation" in your family. Again it has to do with your feelings afterwards. What I mentioned under Para 3.2 is in my opinion, more on the practical side of things.

Further to what I had mentioned, what I had mentioned below is the most common and the easiest method to follow. It has to do with two concepts: 1.YIN and YANG and also 2. Even numbers meansa pair and sounds more auspicious than oddnumbers. 1. YINand YANG concept: If one often notice Chinese burials or cremation; it is always done on odd days. Thusa person is buried / crematedoften either on the 3rd, 7th, 9th, 11th, 15th dayexactly after death. Here, it is not about looking at thedead's person animal sign orimmediate family's (so many) signs. 2. Even number sounds more auspicious Thus, since Para 1 says that burial is on 3, 7, 9 etc... on the contrary, open for business is exactly opposite of such a sad occasion. And in addition, even daysfor openingsounds more auspicious. Futhermore, in the past, many small business could afford to close longer. And for many Chinese businessman who are Hokien or haveHokien influence like the number 6. Which when pronounced sounds like LUCK. And many Chinese can associate 8 with"FA" = prosper. The above method, thus is robust and simple to understand. And can easily be applied for 2013 or evenin the year 2053etc... Contrast this withtrying to apply an animal sign. Manymodern business are nowadays no longer self employed. Many even have several partners. Some even have several branches. So whose animal sign one should apply? Thus, although this method MAY beused, it is equally troublesome to check out each year as well asfor whom (birth-date)do we use?

This is the link to a past article on when to start work during Chinese New Year. In general, it is a custom to start work or the 1st day to start work or open for business is on any EVEN days under the Chinese Lunar calendar between 1st day of the 1st lunar month onwards. Thus, it is very common to "Open for business" on the 2nd, 6th and 8th lunar day of the first lunar month. One might ask: 2nd day is too early to start work. In modern times, what I often do is, to stop work on the eve of Chinese New Year and on the morning of 2nd day of Chinese New Year; I would turn on myPC; logon to this forum and reply or post a message. Alternatively, one may go intoone's business, and physically do somework on that day. Note: I have skipped the 4th day of Chinese New Year given that many Cantonesedon't like 4 as it sounds like die. And this probably has spilled over to other Chinese dialect group- who to play safe, don't like opening for business during these hours. Thus it is best toopen for business on 2nd, 6th = "sounds like LUCK" in Hokien" and 8th sounds like prosperity. Fankly time is not necessary. But if one wants to can or may consider 0818HRS, 0838HRS, 0938HRS or 1118HRS to start work. Past forum posting and it's link: Reference: http://forum.geomancy.net/phpforum/article.php?bid=2&fid=1&mid=28887&new=%3EHouse%20Hunting%20:%20A%20Lot%20Position%20-%20%3Cem%3EFeng%20Shui%3C/em 1. Chinese New Year starts early this year; 2. This year's Chinese New Year starts on Monday 23 January 2012. 3. As mentioned in the earlier posting of 1/15/2011, below; it is a tradition especially by the majority of Singapore Chinese who are Hokiens to start operations on an auspicious day on Chinese New Year itself. 4. I have mentioned that for the opposite: for the dead, burial is always done on ODD days e.g. 1st day, 3rd day, 5th day, 7th day etc... immediately after death. 5. However, for business opening; it is always considered auspicious to start operations on EVEN number of days. 5.1. Thus for 2012, the first day of Chinese New Year is Monday 23 January 2012; business should or can or may open on even days e.g. the 2nd day: 24th, the 4th day: 26th, the 6th day: 28th, the 8th day = 30th of January etc... 5.2. In addition, the Hokien dialect group (a significant number of Chinese in Singapore are Hokiens (Fujian); love the sound of "6th". As it sounds like "luck". 5.3. In this attached, photo, this very famous and popular wanton noodle stall in a food centre at Telok Blangah states that they start work on 28th January 2012. Which is the 6th lunar day of the Chinese New Year 2012! 5.4. For some business, who can afford to operate or open for business at an extended date could instead operate on Monday 30th January 2012 or the lucky 8th lunar day. 8th is also a very popular and auspicious sounding term for many Chinese dialect groups: 8 in mandarin sounds like prosper for the Cantonese as well as the Hokkiens and Teochews... 6. For example, for Geomancy.net, as we have an international website, our website operations will start on the 2nd day of Chinese New Year which is on Tuesday 24th January 2012. While our phsycial business starts on the 6th lunar day of 2012 similar to this hawker stall. 7. In China, it is usual for many business especially factories to stop work as early as this hawker stall to allow their staff time to return back to their province and home county which can by bus or train be as long as 1 or 2 day's journey depending on which city they work and live.

This poster (split into three parts) shows what one can do to avoid over eating during Chinese New Year. Did you find all the familiar snacks found during Chinese New Year and what YOU CAN DO?

Do remember that when one comes across such a description when buying a new or resale home: "Large uncovered drain behind a house" Be prepared to exercise CAUTION when buying such a home. CAUTION? Implies further investigations should be made or contacting a geomancer to review it.

Impact of cooling measures introduced on 11 Jan 2011 18th January 2013 Summary For those smart people who do not want to waste their time reading all the details: The Singapore Property Market has become one with very low upside potential in the medium term (3 ? 5 years), but with quite significant downside risks. Low upside because: The govt is committed to not letting the prices to go up significantly. High Downside because: Huge supply (200 k units), and lower demand (reduction of foreign labour). Possible course of action if you agree with the above analysis : If you do not have any sentimental or intangible value for your apartment, it is perhaps a good time to sell and take profit. Rent for a year or two and get into private property after 2014. For those who have nothing better to do than derive some pleasure from reading the below: This is one of the most Comprehensive set of measures covering 1. ABSD: Increasing upfront cost in the form of higher stamp duties even on Singaporeans who are potential HDB upgraders. 2. LIQUIDITY: Reducing significantly the quantum of financing available to 50% for those who already have one loan and more significantly, increasing the quantum of upfront cash to 25% from 10% 3. PR HDB: Virtually squeezing the PRs out of the HDB market by not allowing subletting and 5% stamp duties on purchases. These measures have been taunted as anti cyclical measures to calm the market until the long term structural measures such as increasing the supply get the required time to play out its impact. Let us look at the impact of these measures Mid and High end (above 1.7 million) : ABSD: this market has already been impacted since Dec 2011 and with the further increase to 15% for foreigners , 5 to 10% for PRs and 7 to 10% for Singaporeans, all the buyer segments are significantly affected. I do not see many Singaporeans who do not own any property to be potential buyers of this segment (the only exception being investors who have cashed out in anticipation of measures and market crash) LIQUIDITY: Buyers in this segment need to come out with 50% cash, which in absolute quantum is around 1 million out of which 500 k could be cpf. Overall the investors in this segment are likely to be savvy and would stay away from the market which is what they have been doing. The property price in this segment has been virtually flat for the past 2 years and the rentals are under pressure. The existing landlords will have the resources to hold on even if the rentals fall by 20%. No major distress selling except by those speculators who bought in 2010 and later and would desperately need a tenant to make the emi payments. Mass market (800 k to 1.7million) ABSD: The key buyer group in this segment are the HDB Upgraders, high income first timers, and middle income investors who are looking at rental income. There is no impact on the high income first timers. They will have a lot to choose from. HDB UPgraders who earlier had the option to move into a condo and rent out their HDB Flats at a good rental yield of 8 to 10 %, now face a ABSD of 7%. On a 1.2 million property, that amounts to 84k upfront cost. They can choose to sell the HDB to avoid the ABSD, but that is exactly what the GOVT wants to increase the supply of resale HDB flats and bring down the resale prices. The psychology of this group of people would be rather to hold on to their HDB flats. This would result in lesser demand and developers would be forced to lower prices or offer big discounts. (check out this has already started to happen) The middle income investors are likely to be already having one or two properties and will be subjected to high ABSD OF 7 to 10%. The savvy ones were already in the sidelines. The gullible ones in this group will have lesser opportunity to be gullible as they will not be able afford the ABSD and higher cash requirements. On top of this, the PRs who are currently renting a place and looking for resale apartments in the mass market, would also be better off renting because of the higher ABSD and lower financing. A PR buying a 1.2 million property, will have to come out with 60k in ABSD , 30 k in BSD, 240k in cash or CPF Upfront, and around 4.5 k a month in EMI. Most potential buyers in this segment will be squeezed resulting in significant reduction in demand and consequently lower prices from developers. The current landlords are unlikely to sell in panic. They are enjoying a nice rental yield and they will continue to hold even if the rental yields drop a little. If they sell, getting into the market would be very costly under the current regulations. One unintended consequence of this policy is that the supply of resale private apartments will be lowered significantly. HDB resale apartments The government?s key objective is to arrest the price inflation of HDB resale flats. They have so far not been successful because very few owners are willing to sell. This round of measure aims to correct the supply imbalance partially. PRs will be forced to sell because they cannot sublet. Some HDB UPgraders will sell to get a refund of the 7% ABSD. And some of the savvy ones may sell because they can the see the deluge of pubic and private housing that is being built, and expect prices and rentals to head south. On the demand side, ABSD on the PRs will dampen demand from this segment. HIGH income PRs are generally not in this segment as they are likely to have some private property in their home country and so are not eligible. For the low to mid income PRs, the 5% ABSD is quite steep. On a 500k, HDB flat, it amounts to an extra 25k. And they cannot sublet it in the long run and so it loses its attraction as an investment opportunity. Demand from the HDB second timers will also decrease because of the more than 23K BTO flats that will be on offer this year. The above will certainly put downward pressure on the HDB resale prices. Possible course of action if you agree with the above analysis: SINGAPOREAN First timers : no hurry to buy. You will have plenty of options. Bid lower aggressively and ask developers for steep discounts(20%). Their margins are one of the highest in the world, and can afford to bring down the pricing. Current HDB owners and Upgraders: if you do not have any sentimental or intangible value for your apartment, it is perhaps a good time to sell and take profit. Rent for a year or two and get into private property after 2014. Point to note: Once you sell your HDB, it is quite difficult to get back into public housing. Private property owners: If you do not have any sentimental or intangible value for your apartment, it is perhaps a good time to sell and take profit. Rent for a year or two and get into private property after 2014. Private property investors (assuming you already own one property): Currently you are subjected to the ABSD, which is a cyclical measure and is likely to be reversed when the market comes down. So just wait for that to happen. No need to rush. If you can?t sit on your butt quietly, the go and bid lower aggressively. PRs HDB owners: owner occupiers can continue to stay at low cost housing. For those who live in private property and are renting out their HDB, will have to decide between selling the HDB or moving into it because they cannot rent it out legally. Private property owners: for those with long term plans, owner occupiers are better off staying put. If you sell, you need to pay 5% ABSD to get back into the market increasing the overall transaction cost to 10% (ABSD, BSD, brokerage, small renovation) Private property investors with one property and getting a good rental yield has the most difficult decision to make..if you sell, you lose the rental yield, and buying back will make sense only if there is a significant downturn (more than 15%), as the overall transaction cost around 10% quite high (5%ABSD, 3% BSD, 2% brokerage, small renovation). If you don?t sell, you will be subjected to 10% ABSD when you want to buy another property in the event of a downturn. Private property investors who own more than one property are better off not selling, as they will be subject to 10% ABSD to buy back which makes the overall transaction cost (ABSD, BSD, brokerage, small renovation) around 15%. PR First Timers: no hurry to buy. You will have plenty of options. Bid lower aggressively and ask developers for steep discounts(20%). Their margins are one of the highest in the world, and can afford to bring down the pricing. Foreigners: Private property owners: for those with long term plans, owner occupiers are better off staying put. If you sell, you need to pay 15% ABSD to get back into the market making overall transaction cost 20%. Private property Investors: Private property investors are better off not selling, as they will be subject to 15% ABSD to buy back which makes the overall transaction cost (ABSD, BSD, brokerage, renovation) around 20%. Foreign First Timers: Run away unless you have so much money that you need to park it somewhere safe for the long term and do not mind paying 20% transaction cost. Every one knows that these are temporary measures which will be reversed when the market hits a low and when the supply comes in. It makes absolute sense to wait and not incur these heavy upfront costs. Property Hobbyist Ref: Impact of cooling measures introduced on 11 Jan 2011

1. By coincidence, this subject was just published, today:- http://www.tremeritus.com/2013/01/17/a-politically-motivated-education-system/ 2. Although the actual subject matter is not exactly the same as this topic. 3. What it bears resemblance is that one can say that there might be I believe a modern motive for it. 4. In the past, correct me if I am wrong, some even said that Jesus is not actually born on 25 December or Christmas day. He is suppose to be born on another date. 5. As we all know, even in a tiny island like Singapore, almost every year; the Christmas spirit gets kinda earlier and earlier. In fact, in many Shopping malls, Christmas decorations come up as early as mid-October and early November. 6. What this tells us is that, today in modern times, I believe Christmas is highly commercialised. And one of the objectives is profit driven. Who cares if Santa is just a man, dressed in an oversized stuffed clothing with a false wig and hat... Who cares if Santa is not real. So long as "Santa" can drum up business for me this is fine. 7. Drawing a parallel to the Chinese "God of Wealth". Many who drum up the God of Wealth is into trying to make a buck or two. There are people selling posters, figurines and anything else in the name of the God of Wealth. Again, I believe the motive is commercial. 8. Is it true that when we hang a large red sock in our room or at the fire place, Santa will sure to find our house and deposit a gift? 9. Same here! For example in Singapore, just one estate: the recent By-Election: Punggol SMC has 30,000+ homes. How does the God of Wealth know which home has offered an offering to him? 9.1 Even if the God of Wealth multi-tasks; he may need lots of super computer to detect a few homes out of several millions that has placed an offering to him. 9.2 Look at it this way, more likely, few if ever placed an offering to him anyway. Does it also mean that if he visits a home expecting to find an offering but none provided? What do you think he will do? Get extremely angry with that household? 9.3. Furthermore, God of Wealth is suppose to originate from China. And some claim that they are pre-Tang dynasty individuals who were elevated to the title of God of Wealth. 9.4 And since Singapore is in the Far East, does it mean that every year, the God of Wealth would travel e.g. First Class on China airlines to Singapore and visit those homes that placed an offering to him. 10. What do you think? 11. Therefore, I personally feel that both Christmas and God of Wealth is highly commercialised, today. No joke! 12. Again, for those who want to believe; if it makes you happy and hopeful, go ahead... since it may be a positive thing for you.

The only thing that is similar is that God of Wealth (Cai Shen Ye) is that he is suppose to arrive close to mid-nite. On the safe side, one is told to give around 6 to 7 hours allowance. Thus, if one was told to place a bowl of e.g. rice or bottles of drinking water; one should do it 6 to 7 hours before mid-nite of either Chinese New Year's eve or on the eve of the 4th day of Chinese New Year. So how come some say, there is one God of Wealth and it should be eve of Chinese New Year. While others say that there are lots of different Gods of Wealth. And some even say he comes on the 5th day of Chinese New Year! Which is which? Why so confusing. Why so many practises which does not add up to each other? Does it matter? So long that it satisfies some person's HOPES and Aspirations and for some who see that they have been showered with BLESSINGS! Ain't this good enough for that person. Who knows no wiser!

One can say that inviting God of Wealth or Cai Shen Ye is equivalent of trying to bring HOPE and Blessings into one's home. Here, if one where to slot this into one of the three holy trinity of luck: Heaven, Earth or Human (Man) Luck. It will certainly fit more into the area of Human (Man) Luck factor(s). Especially of perhaps feeling good factor .... Logically, what is the difference between say Christmas Blessings and God of Wealth Blessings.

These are some considerations: 1. This area has more to do with a belief of sorts. 2. The key essence of this "exercise" is all about HOPE. 3. Frankly, drawing a parallel, I can think of Father Christmas. Many young children (Catholic/Christian) have been told that they should hang e.g. a stocking ... 4. And this brings much excitement especially on the EVE of Christmas. (Sounds familiar?) 5. Here, we are looking at the EVE of Chinese New Year. 5.1. And the equivalent of hanging e.g. a stocking with the hope of receiving a gift; 5.2. Some belief that on the EVE of Chinese New Year; and in 2013, one should place "something" at SE "to invite" the God of Wealth to "bless". 5.3. Thus, psychologically speaking, if you feel excited and happy to do so then, there are many, many, many ways of becoming happy:- 6. Some (Invite God of Wealth) by asking one to place a bowl or receptacle with items that range from e.g. a bowl of uncooked rice or a bowl with 3 I-ching coins or bottles of unused drinking water at South-East sector. 6.1. And most of the time: one is asked to place such an item at a certain timing e.g. usually 6 to 7 hours before mid-nite of the last day of the last lunar month which is the Eve of Chinese New Year. 6.2. Other methods include, placing a bowl of rice or rice with 5 coins (to represent North, South, East, West and Centre of the House). 7. Alternatively some advisers would ask you instead to place the bowl of "treasure" below your bed. 8. In fact, there are lots (really lots of advice = dime a dozen). Where some say that there are lots of Wealth God: some say: There is the god of wealth related to business (Quan Gong) and another for children's studies. 8.1 And some advisers say, it is not the eve of Chinese New Year but the 5th lunar day of Chinese New Year. 9. In addition, in the Chinese myth;there are actually more different types of God of Wealth. 10. Here, this is to give you a flavour that at least, I know of no less than or over at least 20 different practises. 11. I like to come back to this main essence : HOPE. Some humans depend more on "literal" hope. As in doing some or one of the above: perhaps to feel good afterwards. 12. Since there are so many different beliefs on how to invite the god of wealth... personally, having lived more than a decade on this earth, I have never ever done such things. And will always question the story about Father Christmas bringing real presents ...... 12.1 Could I have done better IF I HAD invited the GOD of Wealth? I don't think so. But, again, hey! If it makes YOU feel good, what the heck! Follow SOME of the Jones. As only some Jones do it. Many others don't.

Frankly, if one is trying to apply,this needs investigation: http://wiki.geomancy.net/wiki/Feng_Shui_Triage

If the earlier house can be described as beautify; the house that is beside this beautiful house (to the left) can be considered as the most ugly (beast) of a house!

Some homes are like a beautiful work of art on a canvas. If we split the houseexactly in the middle: both the left and right side of this homeare equally (identical) andbalanced. And with a triangle roof at the apex, it really looked "handsome". If this is the face of a woman, it can be considered as beautiful! If this is the face of a boy, he is so... so... handsome! In land scarce Singapore and ever so tiny landed property homes... don't you think that this is a rarity. (Location: along Upper East Coast Road) This home definitely gets good score from a Shapes and Forms point of view.

Still can't understand the true picture. However, since you mentioned that you are in a cubicle (enclosure) and if the entrance is not facing the "direct" opening; it may not be an issue at all. 0n 1/14/2013 2:54:11 AM, jolie qe wrote:

Many HDB flats were built around 1975 onwards. And when these flats reach 40 years, their 99 lease would have only 60 miserable years left. It is not the magic 60 that is miserable. But rather, a potential new buyer would not be able to fully utilise the CPF or all types of loans to secure or buy over your home! Thus even those whose HDB lease started in the 1980's would find that they are closer to this predicament. A 99 year lease home is ultimately not a "permanent" home. And can't last more than two generations. It has to revert back to the government.

An interesting article on Singapore's public housing: 99 year lease apartments... ?Property cooling? or ?Political heating? measures? ?Property cooling? or ?Political heating? measures? 13th January 2013 I refer to the article ?Govt announces new property cooling measures? (Todayonline, Jan 11). The link to the joint press release by the three Ministries ? ?Additional Measures to Ensure a Stable and Sustainable Property Market? is HERE. HDB less than 60 years left need cooling? What is the rationale for tightening ?the terms for granting HDB loans and the use of CPF funds for the purchase of HDB flats with remaining leases of less than 60 years (details of this measure are in Annex IV)?? Played out by asset emhancement? As more HDB flats age from the time that they were built, those who have subscribed to the ?asset enhancement? policy which arguably lead to huge increases in HDB prices, may find it harder now to monetise their flats to retire. Lower-income hardest hit? This may especially affect lower-income Singaporeans who purchased 2 and 3-room flats and may lack the financial ability and savvy to change to a second new Build-to-order (BTO) flat or resale flat with a new or longer lease balance, in order to avoid the problems that may arise from this new cooling measure. Enhanced HDB upgrading threat? In the past, voters may have been afraid to vote for the opposition because of the upgrading issue. Now, with this new cooling measure, voters may arguably be even more afraid to vote for the opposition, because if their flats are not selected for the Selective En-bloc Re-development Scheme (SERS), it may become much harder to sell them as they age beyond 34 years. With the Minimum Occupation Period (MOP) of five years, very few people may want to buy flats with a lease balance of 65 years (more than 34 years old). Less CPF can be used? To illustrate this problem, for example, if a 30 year-old couple buys a flat with a lease balance of 59 years, their prorated Valuation Limit (for the use of CPF), will be only 58 instead of 100 per cent of the valuation at the time of purchase. The 58 per cent is calculated (34 divided by 59 years) ?based on the ratio of the remaining lease when the youngest buyer who can use CPF turns 55 years old, to the lease at point of purchase? This means that they will no longer be able to use their CPF to pay once the use of CPF hits 58 per cent of the valuation. From this point onwards, only cash can be used to pay for the mortgage. Can?t use CPF? For flats with a lease balance of less than 30 years, use of CPF is not allowed at all. HDB loan restrictions? There are also restrictions on getting a HDB loan ? ?Lease balance of 30 ? 59 years ? ?Allowed, if remaining lease can cover the buyer* to the age of at least 80. Loan tenure will be the shortest of: 30 years; 65 years minus average age of buyers; and balance lease at the point of purchase minus 20 years.? Lease balance of 20 ? 29 years ? ?Allowed, if remaining lease can cover the buyer* up to the age of at least 80. Loan tenure will be the shortest of: 30 years; 65 minus average age of buyers; and balance lease at the point of purchase minus 20 years.? Lease balance of less than 20 years ? ?No HDB housing loan.? Why need to cool over 40 years? old flats? S0, in view of the serious economic and arguably political implications of this cooling measure, this policy change should be debated and reviewed, as it may make no sense to cool the property market for this segment of very old HDB flats, which as I understand it may form a very small proportion of the total number of HDB flats now. How many such transactions? By the way, how many ?over 40 years old? flats? transactions are there in a year? Still higher MSR for HDB loans? If we really want to cool the public housing market, we should also reduce the Mortgage Servicing Ratio (MSR) for HDB loans from 35 to 30 per cent, to be the same as private property and HDB bank loans. Because HDB flats not so affordable? Unless, HDB prices are so unaffordable in terms of the price to income ratio, that we have to use a higher MSR of 35 per cent? Leong Sze Hian Leong Sze Hian is the Past President of the Society of Financial Service Professionals, an alumnus of Harvard University, Wharton Fellow, SEACeM Fellow and an author of 4 books. He is frequently quoted in the media. He has also been invited to speak more than 100 times in 25 countries on 5 continents. He has served as Honorary Consul of Jamaica, Chairman of the Institute of Administrative Management, and founding advisor to the Financial Planning Associations of Brunei and Indonesia. He has 3 Masters, 2 Bachelors degrees and 13 professional qualifications. He blogs at http://www.leongszehian.com. .

IS HE CAUGHT SLEEPING ON THE JOB? WILL HE GET FIRED? Do meet the SLEEPING guardian (the man in white) in the attached photo(S). Is he the guardian of the Thai 4 headed god? If not, why is he seated "guarding" the statue? Location: Off Mountbatten Road

All the attached posters are educational. Several warn that one may be severely FINED .... Singapore is famous for FINES: Throwing Litter and even parking a motor-cycle or scooter can costs (FINED) $5,000! Would you believe that? A poster is worth a thousand words?

You really don't want one of these parked outside your (landed property) home! The vehicle's decal screams out loud! YOU OWE MONEY! Is this a modern way to intimidate people to pay up what they owe? Is this a clever load shark way of getting those who live in landed properties to pay UP!

Sorry, the info is truncated or unreadable.