Cecil Lee

Freesia Woods Condominium Location: Sunset Way Developer: Keppel Homes, Keppel Land Website: http://www.keppelhomes.com.sg/ Specific website for Freesia Woods Condominium: http://www.freesiawoods.com.sg/ Tenure: Statutory Land Grant TOP: Immediately available This development comprises of 1 room, 2, 3 and 4 bedroom apartments. What I like about this development is that this condo is a low rise development where the maximium height is 5 storey high. Please see attachment file. If one notice carefully, What is not favourable is that Sungei Ulu Pandan river seems to be slicing into this site. As such, in my opinion, the overall site is not as auspicious. Especially for Block 63 units #07 to #12. Again, many Singaporeans are very discerning and often rush into true bargains. For this site, one still finds that many units are still for sale - in a relatively `choice' site. Warmest Regards, Cecil

Dear Sandra, Often, this is not a major flaw. To some people, this is a non-issue. However, the simplest method is to use one's personale.g. table cloth or any cloth that is of appropriate length. One simply covers this bookshelf. For example if there are two shelves, for the lower shelf: 1. simply remove all the books from the first shelf. 2. Next, take a piece of cloth: fold it to the appropriate length; use part of it to cover the base of the first shelf. 3. Next, place back the books. Now, with these books on top of this cloth, it acts like a temporary cover for the lower book shelf. Often, the upper bookshelve is much higher and no issue. If one still wants to temporarly cover them, Simply do the same method and place one or two books to hold this cloth. Or, go buy some double sticking tape or use blue tack to hold the top cloth. *Joke* Let's imagine that we live in an age where there are no paper books. But electronic books. Perhaps, at this time, one need not worry about poison arrows from books but from the sharp edge of computers! Perhaps, this is the price to pay for being an `educated' person:) Warmest Regards, Cecil

Dear Wasis, 1. I personally think that a lot more issues should be taken into consideration, first. 2. I have always found the management concept: Situational approach - " It depends ". 3. It happened that, particularly in Singapore, we have a small island and majority lives in high rise buildings. 4. One must understand that as a building goes up (vertical); often, the building is at the `mercy' of the elements. 5. For example, taking my most recent comments on the condo: The Yardley. Some of the units are in a direct compass East-West line. 6. In addition, just imagine that this unit is e.g. at 7 floor/storey. And that there are no other buildings or trees to shade this east/west frontage. 7. I must therefore, offer an apology for many who listen into this forum and are staying in places where a home is a landed property. In your case, it is much cheaper to build `side-ways'. This is also in rural or sub-urban areas in Malaysia, United States et... 8. In the context of a high rise building: 8.1 Just look at a skyscraper. Most often, we can imagine a box light / steel structure, encased by windows. In an office environment, buildings are often air-coned, most of the time. And often there are no windows unless, it is a toilet. In addition such buildings use tinted glass or nearly the whole facade is made of glass. 9.2 Often, a condo cannot afford to have it's external glazed entirely with glass: - If so, often, windows are awkard or cannot be fully opened. - Next, privacy issue: especially at night! Often, even if we draw the day curtains, at night (glass homes); many people can simply look into the entire house. - How many who stay in such a condo, can turn on air-con all day long? 9.3 Here, often, it makes more sense to marriage: concrete/red brick walls - plastered with white plaster mixed with casement or sliding windows. 10. Walls made of bricks often absorb the heat especially if it is in full sunlight. And as I mentioned, if one lives in near especially at the equator; many of the walls that are exposed to the East-West sunlight can literally heat up the interior. 11. As I mentioned under Para 10: this is a very particular concern for those living in the equator or anywhere else that has strong heat. Singapore, Perth, Australia. 12. In fact, some countries, have relatively fewer clouds and the heat from the sun can literally burnt or `bite' our skin. 13. Landed property 13.1 As mentioned above, what happens if one stays at a high floor in a condo. For example 20th floor. There is no way that a tree can reach this height. 13.2 If one owns a landed property, often, heat can still be controlled:- A. Roof awning 1. In fact, some Singapore government built flats i.e. Housing Board Flat, has a sort of an awning or shade for flats that face West. But as mentioned, what matters most is that the walls in that specific bedroom will still get heat built-up. The shade, helps to block sunlight into the windows of these rooms - to make e.g. studying or sleeping in the day time more comfortable. 2. The advantage of a landed property is that often, we can easily erect awnings protuding out of the windows to offer shade. 3. Another ingredient is that often, homes are side-by-side to each other. Better still if these are terrace (jointed together) or semi-detached homes. 4. Even for bungalows, especially if they are parallel to each other and close-by can offer much shade. 5. The secret weapon for landed properties are the greenery. Let us not forget that at ground level, often, the minimum vegetation is grass. Many owners have lush landscape and even trees to shade their home. 6. Therefore, I do hope that you look at from a more positive side. And, whenever, was discussed here, often, takes a more serious look at high rise buildings. 7. In fact, there are a few more points that show some differences between a landed property vs a condo. However, I believe, I hope that one can now better understand some of the differences. 8. Often also, many of us may get frustrated, by so many different theories in Feng Shui. Here: please ponder over this: " Feng Shui like everything else should be worked on based on - PRIORITIES or ranking of importance". Warmest Regards, Cecil

Dear All, 1. Often, when a developer borrows financing from a bank to fund a condominium project; the bank does it's own calculations for each unit to be sold by the developer. 2. In fact, the banker will normally calculate out the cost of bidding/tender for the site and advises the developer; what is the mininum selling price for each unit. 3. To safe-guard the bank, often, the bank will require the developer to maintain the minimium price - so that the bank will not make a loss on the funding. 4. Sometimes, if one is fast enough; one can seek out bargains. But often, unfortunately, the bargains are for smaller units e.g. 2 rooms or studio ones where often the p.s.f can be as low as $385 of $395. This is the level of bargain one can get 4 to 5 years ago. 5. However, for a 99 year lease property; at today's rate - very good bargains are at pricing of $420 to $430 p.s.f. for sites away from MRT/LRT. For sites, next to MRT; one can still expect somewhat a value of $430 to $550 (depending on the location and distance to MRT or ease of transport/schools). 6. Paying anything more than this amount for any type of apartment e.g. 3, 4 or more rooms often translate to making a loss if one needs to sell the property. 7. For example, lets take Eastpoint Green condominium at Simei :- (Previously, I had done a review of this property in this conference - do a search for it). In short, this is a 99 year lease property, TOP in 1999. Then, little, did anyone know that there is a glut in condominium properties. People then, pay crazy prices for this property. Many pay on average over $600 to $670 p.s.f. This year, some units were resold for $470 p.s.f. 8. Take for example another condo, which a user recently had requested for advice: Regentville condo, at Hougang. 8.1 Due to the high cost for the developer to bid for the land at that time, the selling price for first owners is something in the region of $600 to $620 p.s.f. Here, we can say that people are paying crazy prices for a 99 year old lease apartment. 8.2 And, it would be silly to think that, the clock starts ticking, such 99 lease propery prices will defintely depreciate, as each 5 year period passes. 8.3 In 2002, many of the units in Regentville condo were sold ranging from $385 p.s.f to $450 and only one unit was sold for $511 p.s.f. 8.4 In 2003, some units at this condo were sold at as low as $318 p.s.f to $380 p.s.f. Only few units were sold at $410. 8.5 Just imagine the huge lost and for many who are now staying there; indeed a large paper loss. 9. Therefore, the most realistic method of looking at the financial value of a property is to calculate ot the p.s.f value. Warmest Regards, Cecil

Dear Singaporeans, 1. Quite sometime back, I cautioned that majority of Singapore is a city mostly of "salaried workers". 2. As we all know, salaried workers have a limited "shelf-life": 2.1 Currently, many people will eventually be forced to retire at 60 or 65. Or around this age. But many of us, with modern conditions and health care can expect to live thru to 80 year old or more. 2.2 In the past, many "salaried" jobs such as those in the civil service and even in some banks like UOB etc.. can be considered somewhat as "iron rice bowls". Not anymore. 2.3 Expecting to get large salary increments till old age? In the past, we often get almost standard increments. So that when we say start out at work; for example some earn $1,500/- but when we reach 40 year or more, some get increments and gross pay of $4,000/- or more. (this is just an example and not based on type of industry etc..) 2.4 Nowadays, with NWC guidelines and pay increments based entirely on merits and performance; some people may lose out when they get older --- and gross pay may not reach that high as $4,000/-. 2.5 As many Singaporeans know, if today, one has reached his 40s and above; these people are the ones that have to start to worry, since; most likely these people may be considered a liability to their company as: OVER paid, UNDER worked. 3. In the future, as a recent newspaper article suggests; many people from what I envisage will happen in 10 to 20 years time is a flood to downgrading their condos to smaller and cheaper apartments. 4. In fact, this has already happened to some middle income people especially those that had started out to work for a few years and also people who have started to retire. This is shown by the contant increase in the `value' or above market value of 3 room HDB flats. 5. In addition, there is a constant glut of; or we can nearly say a `flood' of new condo release. (In addition to the existing ones.) 6. In fact, many of the NEW condos, have advantages: 6.1 They are new and more appealing than buying existing ones. In my opinion, young people: (usually have earning power) have preference for new rather than old unless they buy the old unit because they had got used to the place and want to stay nearby with their parents.) 6.2 This is because, p.s.f is often at very reasonable levels for new developments. And further bank loan evaluation is relatively straight forward. It would be a nightmare now in Singapore to get a bank loan for a house that has less than 60 years lease. 7. If you have read up to here; and own a condo, and is worried, do really try to see how best one can save money for the future. 8. If you are new and interested in buying a condo: 8.1 Please do your SUMs first. Don't be too greedy to factor in too high your expectations of higher income or joint higher income. It may not be realised! 8.2 If you are an `upgrader' and can afford a condo now; both Para 8.1 and Para 8.2 need to share the same objectives: "LOCATION, LOCATION AND LOCATION" 9.1 If one can really afford, then go for: freehold or at least 999 years. 9.2 If one purchase a 99 year lease even more so: Location, location and location. 9.3 Don't end up buying "JUST ANOTHER CONDO". 10. Else, one will end up "stuck" or become "entrapped" in one's tomb/prison....oops! Home! 11. As mentioned, besides, looking at homes based on Ba Chai (Eight House) or some other Feng Shui directions that favour us (for now); equally important are considerations like: heat e.g. East-West facing home etc... Cheers and all the best in your house search! Warmest Regards, Cecil

Regent Ville Condo Location: 2, 6 to 12 Hougang Street 92 Developer: Serenity Properties Pte Ltd (A member of Far East Organisation) Tenure: 99 years TOP: in 1999 or close to 4 years old. Total units: 580 units comprising 2 and 3 room apartments. Can be considered as having full condo facilities. URL: http://www.streetdirectory.com.sg:8080/map.jsp?x=32963.633&y=39614.0&level=7&postal=538687&star=1&xyfile=&oldX=32915.96&oldY=39570.66&heading=10+HOUGANG+STREET+92%2C+REGENTVILLE+%28538687%29 Here are my comments: 1. I am always amazed by it's current "worth". For example for a 99 year old apartment it's selling price is/was around $500 (1st storey) to $600 p.s.f. This price is unfortunately, before the opening of the North-East MRT. 2. A distinct parallel can be drawn with Lagua Park HUDC apatments that was built around the mid 1970's. This development of 500 units (and next to it - the 500 units of Lagua View) - remains popular from 1970's to 1998. 3. Here, one explanation for resale at this location is that some children who grew up there; bought a unit there, because they grew up in these flats. Some have bought a unit at market value just to stay close to their families. 4. My reasoning is that this is one of the driving force for purchasing a 99 year lease property. Even if, logic prevails that if the development comes close to 60 years remaining; banks normally do not like giving loans or even reduce it dramatically. 5. Thus, in my opinion, for the next 15 to even 20 years of the life of Regentville, it can still be sellable. But anything after this, would have to appeal to sentimental people who wants to stay close to their parents. Or HDB upgraders who like to stay in this area. 6. Given that Hougang is predominantly more of Chinese location; where Chinese is the majority race in Singapore, the purchasing power is there. 7. Currently, because of what I perceive as wage disparity, majority of other race e.g. Malays, would prefer to live in areas like Bedok, Eunos. While, Indian community is the smallest and spread out. 8. I am no racist, but currently, in my opinion, the Chinese (majority) has the highest purchasing /spending power; condos located in `Chinese' favoured locations will continue to be relatively `risk' free. 9. Another advantage is for a family i.e. both breadwinners are in their 30s. Here, usually, this group often own a car. And, this type of location suits them. Because, it is close to the CTE and SLE. 10. The only pity, is that units facing the Yio Chu Kang road, will become more and more noisy - in no part thanks to the continous development of HDB flats. First, at Bangkok, now at Fernvale (Jalan Kayu) and Sengkang East/West. 11. For example, in the past; the East/West connection of CTE via slip road Ang Mo Kio Ave 5 has relatively low traffic. Same for the slip road from Ang Mo Kio Ave 3 to Yio Chu Kang road etc... 12. What I like about this site is that it is in walking distance of Hougang Point - a small, mall. So far, the NTUC (National Trade Union Congress) Supermarket plus BEST electrical is there. The most important, is that this NTUC supermarket is very spacious - unlike many others. For the food court - Compass Point or even Rivermall Mall is much better:( 13. Given that many new 99 year condos have lower p.s.f; paying the current $600 p.s.f is in my opinion, at the high end. Since many new 99 year condos are priced around the $400 p.s.f. mark. 14. Paying close to $600 would mean that if one wants to convert this property into liquidity in a hurry; one expects to lose around close to $50K to $100K or more! 15. Nevertheless, as I had mentioned; one can still take a risk in this development. 16. In the past and in my opinion, I have often heard the `poor quality' of Far East organisations development such as leaks and workmanship problems. Perhaps, psychologically, I never liked staying at Far East Organisation's development. This is my personal preference view point only. Call it " my premature evaluation ". Warmest Regards, Cecil

Cosa Rosa Condominium Location: 35 and 37 Lorong Ong Lye Developer: Tiong Aik Investments Pte Ltd Tenure: 99 years TOP: was in 2001. Nearly 3 years old Total Units: 96 units consisting of 3 bedroom type of apartments with approximately 100 to 210 sq metres or around 1,100 to 1,400 sq feet. On average, price per sq. foot is around $500 to $560. Location Map: http://www.streetdirectory.com.sg:8080/map.jsp?x=33074.15&y=36482.3&star=1&xyfile=&level=7&heading=11+LORONG+ONG+LYE+%28536441%29&oldX=33171.66&oldY=36672.99&postal=536441&Click+Any+Point+To+Centralise+Map.x=251&Click+Any+Point+To+Centralise+Map.y=185 In my opinion, the most valued apartments are the top floors (4th level). Based on past precedents; if this is a freehold property, it may have some exceptional value after 30 to 40 years. Since, often, in the future, such developments can go to enblock sale. But unfortunately, this is only a 99 year lease location. One distinct advantage of this 99 year lease condo is that it is not more than 4 storeys high. However, please take note that for 4 storey high apartments, it is very important that THEY MUST HAVE LIFTS! Often, many future potential buyers will see this (NO LIFTs) as a liability. For example, in Yio Chu Kang area, Far Horizon Gardens condo (developed by Far East) has certain blocks that are only 4 storey high! And without an elevator/lift. Even in the popular east coast of Katong, some four storey high condos are not popular just because it does not have a lift. Take for example, some of the condos at St. Patricks' Road:- http://www.streetdirectory.com.sg:8080/map.jsp?x=36942.895&y=32218.59&star=1&xyfile=&level=7&heading=1+ST.+PATRICK%27S+ROAD+%28424115%29&oldX=36509.51&oldY=32218.59&postal=424115&Click+Any+Point+To+Centralise+Map.x=367&Click+Any+Point+To+Centralise+Map.y=153 For investments, locations like Nassim Hill area has some 4 storey apartments. One built by CDL i.e. Nassim Park. (4 storey, Swiss cottage design). That provides lifts for all units. This is very popular with expartiates (rental income). Since it is near to Orchard Road, Embassies etc... So far, at the present moment, it is very difficult to earn revenue from rental at this area - other than perhaps, Serangoon Gardens. But still quite a risk, here. Unlike: Holland Road, Bukit Timah or River valley area. Singaporeans are a pampered lot! And, as recent as several years back, certain banks can receive complaints from clients that because of the bank pulling out certain ATM machines; an alternative machine that is just 200 metres away is simply too far:( Warmest Regards, Cecil

Amaranda Gardens Condominium Developer: Keppel land Location : Serangoon Ave 3 Tenure : Freehold Total number of Units : 189 Expected TOP Date : Dec 2005 URL of Keppel Land: http://www.keppelland.com.sg/Residential/amaranda.htm The URL for Amaranda Gardens Condo: http://www.keppelland.com.sg/Residential/amaranda.htm Here are my personal comments: 1. If one looks carefully at the profile of this development, it looks like a "hammer" with a handle. And in my opinion, this is considered auspicious. Feel free to view the perspective:- http://www.amarandagardens.com.sg/perspective.asp 2. I personally like the three point blocks as this allows for proper qi flow for each of the three blocks. 3. In addition, it is good to be exclusive since there are only 189 units as compared to some mega / HDB density condominiums. For one; I dislike the NTUC Choice homes "Rivervale Crest" (that I had reviewed previously under this conference). Do a search for RIVERVALE. 4. Close proximity to Serangoon Central MRT. This perhaps accounts for what I personally feel is a premium to pay on average $630 p.s.f . 5. Often, even if it is a freehold property, I strongly believe that even if we need to convert it to liquidity, we normally may not make a loss, neither do we be able to make a `huge profit.' Perhaps, we can still get $650 premium 20 years down the road. 6. In Singapore, freehold property is like a double-jeapordy. 7. For example, it is much like purchasing a BMW car. And later trying to sell it. Two years later, we would like to sell it close to the close to 30 percent depreciation. 7.1 (Assuming that the first year depreciation is 20 percent and every subsequent years it is 10 percent). 7.2 Even if we want to sell close to this amount; many who could afford to buy a BMW would definitely buy a new one! And those who are eyeing this second-hand one will not want to pay more for it! 7.3 Here, the more expensive the property; given that it is not in the most safest locations like district 10 or district 14 or 15. (Where formerly district 10 is at Bukit Timah and districts 14 to 15 is at East Coast/Katong). 7.4 Perhaps, say in the next 10 to 15 years; and as you had mentioned, good schools are here to stay, then this is fine. Let's hope that good schools continue to be here. Much like Bishan. 8. Another good bet is better roads (Serangoon is now getting better roads/highway). As in the past, the notorious Upper Serangoon/Eunos / Paya Lebar and downstream such as Towner/Jalan Besar/Serangoon Roads often is congested. 9. In my opinion, I just looked at sample units and I do not really like Type A's : A1, A2's ' C2's and more ... as the back/utility/service balcony toilet is often very close to the main entrance of the house. What a pity! If you have the time, do take alook at this small condo. Which has just TOP recently:- Sunsine Apartments (Walking distance to St Gabriels.) But may not qualify for Rosyth School.) http://www.streetdirectory.com.sg:8080/map.jsp?x=32300.027&y=36484.836&star=1&xyfile=&level=7&heading=32+SERANGOON+AVENUE+1+%28556151%29&oldX=32891.59&oldY=36514.09&postal=556151&Click+Any+Point+To+Centralise+Map.x=202&Click+Any+Point+To+Centralise+Map.y=177 Warmest Regards, Cecil P.S. Please note that all comments are my opinion only. And, I will not be held responsible for my views. It is always prudent to bring the entire family to view the place. Discuss with each other. Check one's financial budget / seek advise from a financial planner. My emphasis is always " CAVEAT EMPTOR " Let the buyer beware!

Dear Corrine, 1. The Dragon and the Pearl. 1.1 If we take a close look at many temple roofs, we can often see two sets of dragon `chasing' after the pearl in the middle. 1.2 In the picture resources, in fact, I have taken quite alot of such photos. Here, we often notice two dragons on the temple roof facing each other. At the middle is the `pearl'. 1.3 Mass Rapid Transit Trains and Train stations 1.4 In Shapes and Forms Feng Shui, we can imagine that these trains are the equvalent of the dragons. The dragons that move on the MRT track. 1.5 In fact, there are always dragons that move in opposite directions much like the dragons on the temple roof (facing each other in opposite directions). 1.6 Now, imagine the each MRT station is the equivalent of a `Pearl' (wealth). 1.7 In Singapore, MRT trains were often built around density (hub) such as existing estates like Bedok, Clementi etc... 1.8 The empty land facing Sunglade condo (although) smaller but nevertheless, seems to `mimic the Tampines Central of the `past'. Where, prior to the MRT station, activities centred closer to Tampines South. 1.9 Thus, Sunglade condo, developed by Capital Land is worth considering. In fact, should have been considered earlier. As if I am not correct, sold out already or very few units left. 2.0 Here, the test is to follow the instincts of many Singaporeans. Often, the better sites are where even before TOP, all units are sold out. (Whether the first owner put it up for sale is a different question). 2.1 Sunglade condo 2.2 This is not really based on Feng Shui. But, my first impression ain't good. This is because, in order for me to drive up to the guard room, there is no slip road but one is met with a divider from the opposite side of the road i.e. (Serangoon Ave 2). URL streetdirectory location for this Sunglade condo:- http://www.streetdirectory.com.sg:8080/map.jsp?x=32203.42&y=36764.28&star=1&xyfile=&level=7&heading=238A+SERANGOON+AVENUE+2+%28551238%29&oldX=31927.14&oldY=37334.18&postal=551238&Click+Any+Point+To+Centralise+Map.x=198&Click+Any+Point+To+Centralise+Map.y=168 I had to frequently, make an illegal U-turn at the traffic light (traffic flowing into the major Upper Serangoon Road). If there are traffic police personnel reading this, erh... plse hand-cuff me! I am truly guilty! Anyway, sorry for the side-track. I felt that the developer should have the sense of urgency to write in to Land Transport Authority to remove the physical barrier for this road. This is easily correctable. 3. What I really, (really) like about Sunglade is that it is truly a short distance from the Seragooon central MRT station. 4. Most probably, the empty land opposite the development facing Serangoon Ave 2, will eventually be built up. During the built up, of course there will be day-time noise. 5. Those unit facing Serangoon Ave 2, may eventually, have their views blocked. 6. And those facing this road has to be-careful since there is a slop i.e. traffic turning from Upper Serangoon Road (to the left) into Serangoon Ave 2. This Serangoon Ave 2, road slopes right thru parts of units facing Serangoon Ave 2 towards the main guard room. 7. This is not Feng Shui, but like many other condos, the road leading towards the guard room is short. (But I find this is minor. 8. Like many other condos, future saleability or liquidity of the property depends on macro - e.g. very good advantage of less than 5 minutes walk to the MRT station. In addition, each unit in a development is also important. As I mentioned: Location, location and here, internal location of the unit vis-a-vis the development. 9. Under the Five elements concept: Sunglade is considered an `earth' element i.e. this is because of the flat roof (although the colour is partial yellow - this can still be changed in the future). But no matter what, it is an earth building. A developer who decides to build next to this development, should harmonize their building by adding either: wood, fire element or go for metal and water building. For example if the building is a metal and water building: the building should be e.g. white with blue/grey colours. I will cover the other condos you had mentioned in another message. More importantly, buying a home is about being able to service the loan and (quickly) or as fast as possible owning it. Bankers may not like me. This is because, the more one drags on, we end up paying quite a tidy sum even if the loan percentage is low. This is still money. Equally important is that in any emergency, we can at least convert our home into `liquidity'. If we bought a home that cannot be sold, we will end up as a `prisoner' of our home. Warmest Regards, Cecil

1. Although we all know that a vehicle/car is wasting asset, one has to really open our eyes that the price Singaporeans pay for a car. 2. I believe, this will come as a shock to readers outside of Singapore. 3. This is one of the rationale why, I mentioned that boys in Singapore may end up asking their parents: " Daddy, can you give me money to buy a car?" Please note that the average exchange rate for Singapore S$1.00 is equal to US$1.70. Average prices (Source and Credit: The Highway magazine, July 2003) All prices are for brand new cars on the road: BMW: BMW318i (Auto) S$149,000 BMW520i (Auto) S$179,000 FORD: Mondeo 5dr (Auto) S$102,900 Galaxy Ghia 2.3 (Auto) S$123,900 MERCEDES BENZ: E200 Kompressor (A) S$230,888 SL 500 (A) S$468,000 TOYOTA Corolla 1.6 LX A S$83,388 As mentioned above, vehicle prices in Singapore is really EX. With the government looking at more Light Rapid Transit trains linking to MRT stations, locations close to MRT stations will continue to have a better advantage in realising liquidity much easier. In my opinion, for now, locations near or next to LRT is OK but not as good as the ones that are close to the MRT station. Warmest Regards, Cecil P.S. Imagine, for many salaried Singaporeans who had married late.. and are in their mid-50's to 60's hearing their once upon-a-time baby boy... who had grown up needing not just a car but a new car ... erh.. to impress on his girl friend. Perhaps, the dad, may had wished that he went to his grave earlier:( But at last! There is still hope! Perhaps, THE MINISTER OF FINANCE (wife) will stop this `nonsense' - Cheers!

Dear All, In particular, this year; many developers allow their purchases of their condo to arrange for a `visit' to their unit prior to TOP or if is TOP; allow the owners (subsidary proprietors) to arrange for a visit with their Feng Shui practitioner to review their homes. For example, just recently sites like Sunglade (Capital Land) and The Dew (Sim Lian) and many more developers allow their owners (with prior approval) to do so. Warmest Regards, Cecil

Futher to what I had mentioned; these are additional considerations: What is the single most important factor about buying a home? It is LOCATION, LOCATION, LOCATION, LOCATION AND LASTLY LOCATION! 1. Feeding the family Many Singaporeans marry late. And in fact, many will need to set aside money for children's tertiary education. And such fees can be expensive for tertiary studies. 2. I want to go into business! 2.1 Singapore is such a tiny island! Very limited local market. And quite a large pie or share of business has been taken up by government linked companies. 2.2 In my opinion, only 1 out of 99 local start-ups ever succeed. And even so, without proper strategic plans; business plans can fail even after every 6 months. 2.3 For example, during my reservist stint way back in the 1980's; I get to see some of my staff `yo-yo' in their business. 2.4 In one case, this corporal, a businessman drove a new car. In the 4th yearly reservist training.. he had to get a lift from me. As he had to sell his car. 2.5 It is interesting to meet such people. They have brillant business minds. I can still remember that this corporal had even told me that he had explored `business' that no one had taken a second look! This is because; nearly every business that nearly everyone had went into business that can be considered to make profits. 2.6 For example, if one visits Singapore and go to shopping centres in all parts of the island; one can nearly find similar business or branches set up by bigger companies all over the island. In such a situation, one can say " If you had visited one town shopping centre " one can imagine that he/she has already visited nearly all of them. 2.7 (The above is other than specialised shopping malls such as e.g. Funan (IT mall) or Sim Lim (electrical / IT) malls in town. 3. In addition; in my opinion, the education syllabus, was an unexciting syllabus that does not promote creativity - in the past. And many who had gone thru this "sterile" academic studies -- simply do not have the enterprenuer acumen. 4. Nowadays, the trend for younger people to go overseas or the export of brain power .. to work in emerging markets like India, China, Vietnam etc... 5. The PLUS point for hiring Singaporeans especially accountants overseas is that majority of Singaporeans are hardworking and honest. Since, many are brought up in a "clean" (uncorrupt) society. 6. Singapore's population will continue to age. And there are more emerging markets in health care, health care services etc... So, do not discount any business ideas in this area. 7. For those who are unemployed: teaching or being a tutor can be another interim measure. Since, this does not require much capital. And one can even go to student's home to teach (if necessary). 8. Pillars of Destiny - Summary of your Ten deities: Often, when I go for Feng Shui audits; I will take a look at the ten deities of family members: It is quite interesting to explore this area. For today, I will just give you a glimpse of some of the interpretations: 8.1 Competitor - 0 vs 3 or more counts Usually, those who have 2 or 3, will often have competitive spirit. And this is good for both a salaried worker as well as a businessman. Often, such people, will be `noticed' in their work. 8.2 Determination - 0 vs 3 or more counts If one is doing business, and if one has zero or even 1 count; one should try to make an effort to improve on it. 8.3 Emotional Intelligence - 0 vs 5 or more 8.4 It is interesting to note that if one has especially 4 or 5 will often have a `distrubed' mind. This can be collaborated with palm reading. For example, if one looks at the `writing' hand, often the heart line will have lots of branches. Worse! If there are `peaks' on this hand. 8.5 Often, such people think too much. And are unable to control their mental state. 9. If Singapore's birth rate does not catch up, and if there is no market for " unapertising " existing condo units put for sale; many who had bought it at their `prime' and cannot afford to keep it will be forced to sell them at rock bottom prices! And it can get even worse-off! Cannot be sold at all! 10. Girl or boy? In China, due to the one child policy; many in the past had resort to `killing' their baby girl(s). In Singapore, during my rounds; I often noticed that: 10.1 Having a baby boy/son - when they grow up - " Daddy... can i borrow money to buy a car? Daddy and mummy, you know lah! I have to pay for my apartment, rear my children.. Erh.. sorry no money to give you. " 11. But nowadays, I do see daughters are better. They do care for the parents and some even, pay for their family's feng shui audit. And in fact, many do think of their parents and often `provide' for them or give them money. 12. Many `hand-pecked' husbands will know this statement: 13. The woman of the house is the " Ministry of Finance " or Controller of Money in the home. Here, the man can only be the " Minister Without any portfolio". 14. Often, some couples ask me " can we hang a wedding photo" in our bedroom. I would say why not. In fact, this is " advantages" since, when one walks into that room (master bedroom) one is REMINDED that Hey! Watch out! You are already married! No "flower of romance!" (having affairs). 15. Some young couples also often asked me: can we use glass for our wardrope.... etc... Here, I would have to look at their palm. If their area closest to their thumb region has lots of concentric circles.. this indicates that the person has lots of temper! 16. So, if one or both get into a hot temper.... I can imagine some people may resort to banging things. And what worse is the glass on such doors shatter. For wood, not that bad. It does not shatter. One can easily change or replace hinges! 17. One more important point is that: when each of us grow older, there is a higher probabilty given our life style to `fall sick' or needing a major surgery e.g. heart by-pass or unexpected cancer. It is bad enough if one partner goes down with it. Not to say, the other may not get this. (touch wood) but if this really happens, it will surely drain much of any accumulated capital. Here, today, insurance people, would be happy to hear this -- that things like taking up insurance or sound capital invested planning is required by all of us! Warmest Regards, Cecil

Have you ever wondered why often one is so impressed with a magician's illusion? In fact, many Geomancers will often resort to `chance' to get fame for themselves. The `trick' here is based on a few simple statistics: 1. Most common human problems. 2. the 50-50 chance! The idea here is to go for situations that may occur within that year. The most safest bet are: 2.1 War in such and such a country 2.2 Earthquake 2.3 A certain virus. If we look at it carefully, there is a high probability that any of the first three situations can occur! Since there are 24 hours x 7 days x 364-5 days a year. In Singapore, it is said that the best brains run the country. Even politicians like our Senior Minister or Prime Minister does not give such predictions. For example, it would seem unprofessional for the Prime Minister to predict that a dreaded virus will come to Singapore. The interesting thing is that, often, to play safe, a Geomancer, will try to give several predictions. And often, those that did not occur, suddenly disappears. But if there is a 50-50 chance that it does occur, Wow, we will be reading the prediction. Often, also, if we notice carefully, the predictions are hazy or general. But if an event took place e.g. a War in Iraq, wow, the Geomancer is accurate! In fact, the Chinese system has the I-Ching. There are various methods of using it to ask questions. And even these questions have to be properly worded. Anyone, be it a geomancer or a lay person can ask such a question, also. Tne morale of the story is that no human being can act like a God or be a messenger of a god. Usually, all these have a hidden agenda -- to boost up their Fame and Image. One way of looking at it is that Geomancers that offer predictions are more like magicians.. that provide an illusion. An illusion to boost up their fame. Which translates to more `sales'. Warmest Regards, Cecil

Dear all, Recently, an intelligent client, gave a different perspective of winning a lottery. Client: "I have always won the lottery every time!" Client: "My method of winning the lottery is simple. Instead of going to the lottery booth to buy a ticket; I give it to my Minister of Finance (wife). She keeps it for me." Client: "At the end of the year, she presents me with a cheque for whatever amount I gave her for lottery minus the daily interest on it. (She keeps this as her admin fee). I used to spent at least $200 a month. And for sure, at the end of the year: Hey! I won $2,400/-! " Therefore, isn't correct that I won at lottery? Cheers! Cecil

Dear Anon, The clue here is to understand what is: Heaven Luck Earth Luck and most importantly what is Human (Man) Luck In general: 1. In the old, Feng Shui was used to look at locations for a city, town etc... 2. The most used word in the English dictionary are words like: I , me, my etc... 3. Here, we can draw a parallel to many of us. How do we improve our homes. 4. More importantly, the key success of any home is: Location, location and location. 5. Therefore: MACRO Feng Shui is the MOST important factor. 6. Commercial products 6.1 Often, what "corrupts" a Feng Shui practitioner, book author of Feng Shui etc... are commercial products. 6.2 In my opinion, usually, if one follows the history of some practitioners, they eventually succumb to the `temptation' of making money by `glorifying' products. 7. I often use a simple illustration. For example, a three-legged toad figurine can easily be manufactured in China for a small amount. But, it can be sold in Singapore for as much as US$300 or more. 8. Who makes such profit? If one goes to majority of Feng Shui consultant's site: one can easily see a section full of such " Feng Shui products ". 9. As I always mentioned, Geomancy.net can easily make tons of money from selling such items. But as long as I am alive and handling this site; I will never sell any physical products. 10. Often, such profit motive, can fall to temptation by any practitioner which `clouds' their mind when doing Feng Shui consulations or services. 11. What you had mentioned belong therefore belong to "commercial products". 12. Here, the trend is that more and more Feng Shui practitioners turn to selling such products - to enrich themselves. And I refer to them as Human Luck or Man Luck practitioners. 13. Calling these people Human (man) luck practitioners is not exactly a good term. But rather Human (Man) Luck vultures. 14. What is really Human (Man) Luck? Does it costs money? In fact, rather than purchase these commercial goods; it would be best to save the money for a rainy day. Or, spent more quality time with the family i.e. family bonding. Does it cost money to hug one's child? Does it cost money to give a listening ear to your spouse? Or be romantic. Even bringing out the entire family to dinner is money well spent:) 15. Often, after buying a product, do we see dust gathering on it? How much effort to clean up these clutter. How often do we buy something (useless) and later, do not know where to put it or put it aside? 16. If these goods e.g. three-legged toad has magical qualities; how come they do not come with a certificate of guarantee? For example, the certificate could say: After buying the product from us, within the next 14 days, you will touch a minimum amount of $15,000 dollars lottery? 17. Please ponder over some of these points. 18. So far, many rich person who has large houses don't cluster our homes with such silly things. (Other, as a decorative piece e.g. they love it so much). 19. Many of us own smaller homes and yet, do the silly thing of congesting or cluttering our homes with lots of these things. 20. For example, in Singapore, I often find many typical Chinese speaking owners of 3 room government housing cluttering their homes with one or more laughing buddha and many more such items. Yet, it takes only less than ten steps or less to reach the other side of the living room. 21. It is no wonder that, I am sad to say such mentality only leads to this saying: " the poor, always will remain poor!". 22. It is best not to emulate such situations. Frankly, a house that has less clutter has an even better success than one that has all these items. Warmest Regards, Cecil

Dear students and all, Besides using Microsoft MS word, MS excel, if you really want to use a house/office layout program; why not look at these two software links:- This is easy to the software called : Smart Draw :- http://www.smartdraw.com and one can conveniently save to virtually any format. I have not evaluated this one, but perhaps, can Wasis give his comments. If I am not mistaken, he has used this? http://www.homeplanpro.com Warmest Regards, Cecil

Dear James, 1. Often, a better method is to apply Flying Star Feng Shui. This is because, if the sector that you are placing a water position has #3 or #4 i.e. bad wood elements (disputes, legal entanglements, scandals etc...) 2. Then under the Five elements concept: Water helps fuel wood element. 3. In such a situation, this will further inflame #3 or #4. 4. If you are not sure what I am talking about, please do some research into Flying Star. Or do a SEARCH in this forum for this topic. 5. The worst location based on Shapes and Forms Feng Shui is to try and avoid water position at WEST direction of the house. As this is said to be the white-tiger domain. Water could inadvertently create an `open' mouth (hungry mouth) of this white tiger. 6. Again, I must strongly emphasise that NO TWO SIUTATIONS are similar. In management studies, or drawing a parallel from management concepts : IT DEPENDS!. (Since no two situation are often the same. Thus no two locations are identical. Caveat Emptor! Warmest Regards, Cecil

Dear Anon, I have viewed, once, opened, close and open your mail. Seeing whether I have the time to understand even if I have to reply to it. Frankly, I often do not really like mails that show only text e.g. SSW etc.... To be more effective, I prefer a sketch or pictures. As I hope you can understand, I do not want to have additional `white hair' digesting the information. I had just glanced thru your message. Often, high walls are not favourable especially since you live on the ground level. Especially so, if the walls do not have `openings' in between. For example, some wrought iron grilles with a flower bed. This is often better to soften the walls. " And not make your site look like "Fort Knox". If the high walls surround the entire building (all around it) such HIGH walls looks like imprisoning. based on what you had mentioned that it is 6 foot high. In fact, as mentioned, this will defintely, affect ground or first floor apartments - as air circulation (most likely) will be affected. For example, it is hard for me to imagine this statement without a sketch. Warmest Regards, Cecil

Dear Piet, Here goes.. (please refer to attachment - which can only be seen by logging into the forum). In general, or usually; the mouth-piece should be at the `top' i.e. blowing downwards. Warmest Regards, Cecil

Dear Anon, The link can be found here: http://www.geomancy.net/resources/art/art-face.htm In fact, other than to see a doctor; some people managed to use a strand of their hair and tie a knot to `kill' or starve the mole. And often, it drops off after a few days. Warmest Regards, Cecil

Dear Anon, Clue: "Is there a thief somewhere? " What happens if your neigbhour loses theirs? Once, twice? Warmest Regards, Cecil P.S. Please not that I am not responsible for what happens. The above, is just a "HOPE" that it disappears!

Dear Anon, This sounds very familiar recently. This is because nearly everyone who got their keys at The Eden condo at Tampines are `cursing' their developer. Fortunately, many of those who got their keys in the first phase - several of my clients there, are fortunate to have the kitchen at the `South' location. If the kitchen is at the south, this if acceptable i.e. OK to have the stove face a water position. In general; the most inauspicious is the kitchen is at the north of the house. (For example, if one stands at the centrepoint and use a compass. If the kitchen is at the north direction; this is not very favourable. To be honest; the only Feng Shui remedy is to relocate it. Any other remedies may be taken as hear-say or simply swallowing a sugar coated pill. Given that many of us are conscious of many aspects of Feng Shui; it is only right that the architects and developers do their groundwork - not to inflame or provide insecurity to the residents. Here, this developer ought to be `shot-in-the back'. For those who are not aware of the developer, this is a joint-venture and one of the partners are United Overseas Land and .... (I had posted the information under the conference " Singapore Property .. " try to a SEARCH for THE EDEN. Warmest Regards, Cecil

Case Study of Lakeholmz condominium Additional comments: Please refer to attachment. 1. Blk 80 Units 01 There is a sha qi coming from one corner of Unit 22 at block 90. (Please refer to the purple colour marking that I had made on the illustration.) 2. Unit 22 Those who are at ground floor and 2nd level of units 01, 02 are not auspicious since, the semi-circular trellise of Unit 22 radiates towards them. 3. Unit 22 at Blk 90 Don't be too happy, with all of the above statements. If one looks carefully, Unit 22 is `like a prisoner' entrapped - location. The easiest to follow this statement is that this unit is `sunken' in. And if one sees carefully the concentric circles that I had drawn in green colour on the layout: One can see that the qi is gradually reduced towards this unit. Warmest Regards, Cecil

Dear Madan, If the Flying Stars are ok at this sector; since the person is a weak metal person; it is best to harmonize the room to this person's element. Thus, for a weak metal person, the best element to help him/her is "earth" element (yellow, cream or beige). This is the best "boost" as earth helps to fuel or increase weak metal. Another element that is favourable to this person is `metal' which is white or gold. Therefore, as you had mentioned if this sector is balanced and if there are no bad #5 or #2 earth stars here, then the best colour for the bedroom is cream or beige i.e. on the walls. And we can also harmonise this room by adding metal e.g. white or `gold' coloured curtains. Since this is too general i.e. based only on year of birth; it is like throwing a dice and a 50-50 chance. As mentioned above; you have correctly applied Flying Star. And after applying flying star; see if, we humans can `fit' this room. For example; let's say that there is an imbalance of the Flying Star. And that this sector which you had mentioned has bad #5 and/or #2. Since these are bad earth stars; it would not be prudent to advise the client to paint the room " yellow, cream or beige ". Since this can further fuel bad earth. Thus, if say the bedroom has such bad earth; then, it would be prudent to ask the client to -- instead paint the walls white instead of cream or beige. Warmest Regards, Cecil

Further to what I had mentioned; although a development can be considered in general as a reasonable good site; there are `best' units and erh... not so favourable units in a development. Attached, please find some of my comments....