Cecil Lee

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.

Chinese belief that "spirits" move in a straight (line) path. Thus, because of this belief, it is better to have foot-paths or landscaped paths in a home that is winding...

This condo unit has a high percentage of 3 bedrooms (variants) and 2 bedrooms stack. Majority of the bigger units face the afternoon West sun.

Note: the illustrations(s) are based on Singapore's Right-hand drive version of traffic flow. For America, China, Korea &Europe (other than UK) and other left-hand drive countries, one must follow or visualise the traffic flow in your specific country:- Yesterday, while transit to a Feng Shui audit, near-by, I took some photos (illustrations) of the site where your dream home is. The attached photos with remarks on some of them shows: an imaginery line of travel - if a vehicle happens to run amok and directly towards the site of your dream home. From the photos, they show that there is a directional sign with two support pillars. And to the left of this directional sign, there is a lamp post. Thus even if a vehicle where to run amok and plough directly to the site of your dream home, most likely the vehicle would be stopped in it's track by the pillar(s) of the directional sign or the lamp post. What is more concerned of or for your dream home is that hopefully you don't get LOW floors: as inadvertently it may be blocked by the large green directional signage or the lone lamp post slice into the unit's window(s) or balcony. Thus to be safe, if you want to get your dream home it is preferred that the stack /unit should preferably be at least 5th or MORE storeys high. In terms of resale value, most Singaporeans prefer higher the better. (But of course, the price usually goes up incrementally at each level).

Traditional Feng Shui cure(s) use either 6 coins = big metal or 7 coins = small metal. A string of 8 coins as shown in the example is a modern invention. Fuelled by the commercialisation of Feng Shui or rather "in the name of Feng Shui". Furthermore, these commercialised coins are extremely large: often twice or more (larger) than the traditional original coins. It has to do with the Chinese obsession with or the number 8. Which sounds like "prosperity". We can say that Feng Shui drives commercialisation.

I kept on charging more and more to my various credit cards for the purchase of useless products in the name of Feng Shui! Please help me! Selling, Cheap!

Some homes are like an unpolished gem. Some enhancement can do wonders to this home. But for some homes, the odds may be stacked against it. As no amount of enhancements can work. Such home often have more problem areas and instead of enhancements, one may have to use more Elastoplast (plaster) to fix up!

Is Feng Shui the mother-of-all cures? YES/NO?

I have a bad time at work: my boss is a task master and with no compassion. I am paid very little. And the costs of living in Singapore is so high.

Is there a link between the Feng Shui Emporium and the Pest Control company? Plenty... take a look at the attachment... When the buying stops, the selling, can!

To some who are superstitious, No. 13 is considered inauspicious. But to others especially Chinese Cantonese dialect group,instead, 14 is considered inauspicious. As 1 = Sure and 4 = die. Thus when we add the two together symbolises: SURE TO DIE. Thusauspicious or inauspicious numbers arehighly subjective!

These are some considerations: 1. As we all know, we live in a real world. 2. In real world situations, like you have discovered, there is no such thing as a PERFECT date. 3. Even for any home, there is really no such thing as a 100% perfect home. 4. Here, auspicious dates are considered as NICE-to have. And not a must-have. 5. Often, even choosing a date for two persons may be difficult. Not considering selecting dates for three or more persons. 6. In tradition, it is good to select a date that is auspicious for the breadwinner (usually the Male breadwinner). 7. And nowadays, it is nice to also consider auspicious date (IF possible) for the spouse - but again, it is NICE-to have. 8. In my opinion, one has to be realistic and practical, here.

Majority says "Shapes and Forms". Why? The FORMS (Shapes and Forms) determine the stars (Flying Stars). The stars determine fate of people living in the home.

In the past, some over jealous Kung Fu practitioner would "strengthen" their fingers by punching into sand and later progress into punching at wood and stone. Thus, when one sees that their finger tips are all black; these practitioners are said to have fingers that are made of "steel". Lethal weapon...

One can also use the search feature on the top left frame of this forum and type in e.g. "T-junction" to view more links to such articles.

These are some considerations: 1. You wrote: The hallway door is facing my nice glass balcony one. 1.1. Without a photo, it is difficult to fully grasp this. As often, unless one is physically at the home/apartment; or at least see the layout out; 1.2. Harder here to understand what you mean. And also, how large is the "nice glass balcony" and whether you open it or slam shut it most of the time. 2. With all the haze around, one possibility could be the frontage could be "facing the street" view. 3. Other considerations include: if you always slam-shut your main door when at home; then this is highly unlikely to be your frontage.

Many think that the estate of Ang Mo Kio (Amk) is a dialect transaction for tomatoes. So everywhere you go, you can see figures of tomatoes in the estate landscape...

These are some considerations:- 1. Feng Shui comes in different flavours. 1.1. Ultra-conservative Feng Shui practitioners: these people will quote from ancient Feng Shui manuals and talk about the time or era when there were no high-rise apartments. 1.1.1. If so, the test of whether if a car suddenly run amok or out of control; could this vehicle hurl into the house or even the support beam of the apartment and even cause it to collapse? 2. Thus if you take the reasoning of such ultra-conservative Feng Shui practitioners then YES, your House is considered at a "T-junction". 3. Singapore is a "right-hand" drive country thus,for a better understanding, I have added theway vehicles would flowaround your proposed dream house. 3.1. The main concernis the "RED line" or the flow of vehicles exitingCompasspoint and heading towards the right.If you imagine the vehicle would suppose to curve towards your dream house. 3.2. Because of Para 3.1; let's hope someone does not speed out of the traffic junction and loose control of their vehicle. 4. The good news is that often the "most affected" is the ground floor unit. As the vehicle would normally by fluke land towards the ground floor unit. There is a remote possibility it may also fly towards 2nd storey. 5. Other than the reasoning under Para 4 and hopefully the say "run amok vehicle" does not destroy too many supporting pillars of the entire stack that make that stack collapse. This is the worst scenario. 6. Thus because of this type of scenario or once in a million of such an occurrence that some say it is inauspicious. 7. Other factors include how fast the run away car is travelling; any obstacles that prevent the car from crashing into your dream estate; how far is the stack from the road and run away car. 8. If you feel that the above is highly unlikely, then, this is a plus point.

In my opinion, this is worth considering if you DIY Feng Shui. Again, this concept is based on common sense as well as doing it step-by-step in an orderly fashion:- http://wiki.geomancy.net/wiki/The_Customer_Engineer_Concept