Cecil Lee

Dear Sumita, I hope I got your message correct. When you mentioned that the steps are rounded on the front entrance: 1. Do you mean (Top-view) it looks like radiating out in a semi-circular fashion or 2. that the steps are rounded at every step? Warmest Regards, Cecil

Dear Glyn and all, 1. Further to what I had mentioned, 1. We have to be realistic with what Feng Shui can or cannot do. Feng Shui is not a cure all. 2. Human Advancements. 2.1 In the past, we can say that there is a limitation for all of us to change our "destiny". (Lest - we go time-travel). Even in time-travel, as we had seen the three series of Back to the Future.. our destiny can be alterated. 2.2 In modern history, we now see advancements in science and technology. 2.3 For example, in the field of medicine; many of our lives are extended beyond what our Ba Zi tells us. 2.4 Rather than buy a figure, sit down and wait for money to drop from the sky, we need to depend on ourselves. 2.5 The classic case of " the richer, they are, the harder they fall'. Here, there is a vast improvement in the study, practise and application of many management methods such as: Strategic Planning; Organisation Behaviour; Human resource etc... Thus, rather than `relying' on the change of `Qi', we must have a realistic solid foundation. This is why, recently, I wanted to elaborate more on the `idea' of per square foot or p.s.f. To show that in REAL life, our LUCK is not soley on Feng Shui but rather -- prudent finacial planning; not only for today but for our FUTURE! Tell me, many Singaporeans today, have already made a Paper Loss on their property. Not to say stocks and shares. And many of these losses are `huge' to these individuals. Some even make as much as S$200K lossess! So, how can Feng Shui cure all these? Let's all go to the fundamentals to guide us: Use our Heads (first) not our hearts! Going forward, like family support or family bonding, these can far exceed our own personal failed `greed'. Warmest Regards, Cecil

Dear Glyn, Yes, this is indeed a good observation. These are my views:- 1. In one or two of my past messages, I had mentioned that many practitioners are still `new' in this business and many did not live thru several of these "20 year" change of period. 2. For example, if one has `lived' thru three x 20 year period, one would now be (if assuming this person had practised Feng Shui since 16 years old) would NOW BE 76 years old! 3. If one looks at the age profile of many practitioners today, many would be in their teenage years when the last change occured in 1983-84. 4. Given this lack of experience, or little experience in this area; one can than understand why there are so much "talk/worry" etc... 5. I sincerely hope that many practitioners remain `Honest' in this business. This is because, as you had mentioned, there can always be hidden motives. 6. For example, it is interesting to `inflame' this issue; as it can ultimately increase additional audits for practitioners. More money. (I am not saying that this is true, but, as mention, this is one of the many methods, one can use to perk up one's business). 7. Fame Although, this is a lesser motive, but, this is one way to drum up activity e.g. in a forum. 8. What really matters is that whenever there is a change of period, one interesting thing to watch are the `millionaires'. 9. In Singapore, this is already beginning to happen. The `richer' one is, the harder one falls'. For example, in the 1980's, those who know about the Pan Malaysian and the Carrian Group saga. Recently, we had a nominated Member of parliament (who also nearly wanted to vie for the President of Singapore's post. He was a teacher but `made' it rich in his `low tech' clothing company. Today, just before, the turn of the new period, he now owes millions to banks. 10. Another case is the boss of the $1.99 shop. Her fortunes now turned in the next period. 11. Frankly, many of this is related more towards: Poor strategic planning. For example, ridiculously paying high rental for mass market products. But, also bad luck e.g. SARs. 12. Many people are `small' fries and live in "small" homes. We should all be contented that we at least have our all our arms and legs. And for most of us not saddled with such burden. Of course, some of us, do have financial problems. 13. Let us all not create a stampede or create fears. This is simply `lunatic'. In a stampede, some people can get trampled and die. These are innocent, people. 14. I always feel that this is an appropriate statement: "After the bitterness, comes the sweetness" "Avoid the self-fulfilling prophercy" and avoid "Auto-suggestion" 15. Recently, when I was looking many client's palm, I see lots of branches on the heart line. This suggests too much undue worry! Life is short, so - make the best of it! Cheers! Warmest Regards, Cecil

Sims Residences Condo Location: Lorong 39 Geylang Developer: MCL Land Ltd Tenure: 99 years TOP: This year Total of 112 units comprising 2 and 3 bedrooms Location: http://www.streetdirectory.com.sg:8080/map.jsp?x=34414.0&y=33157.0&star=1&xyfile=&level=7&heading=8+GEYLANG+LORONG+39%2C+SIMS+RESIDENCES+%28387882%29&oldX=34414.0&oldY=33157.0&postal=387882&Click+Any+Point+To+Centralise+Map.x=202&Click+Any+Point+To+Centralise+Map.y=161 This condo is just opposite the Sims Ville condo. And is close-by to the Paya Lebar MRT station. --------------------------------- My comments: 1. Fortunately for the residents, MCL Land's pricing for this project is quite reasonable in-view of the high costs; that developers had to pay for the lease of the land. 2. Dislikes about this site: Close to the mosque. 3. For the fire station - this can be a double edged sword! Touch wood - should a fire occur; I believe, response time should be fast. 4. Nevertheless, let's look at the p.s.f. for this development:- 4.1 In 2000, the first opportunity to sell this unit `second-hand' price ranged between $480K to $530K p.s.f. 4.2 In 2001, the price dipped to $436K to $456K p.s.f. 4.3 In 2002, the price dipped to as low as $329K to $440K 5. In my opinion, many owners still made a PAPER loss. But, because, they purchased their apartments at a lower p.s.f, this paper loss (altough is painful) but is much lower than that of say .. the Sims Ville condo saga. Therefore, Feng Shui or no Feng Shui; nowadays, no one can make much from 99 year leases - especially if they had purchased their units way above in my opinion, the threshold of not exceeding $450K. Warmest Regards, Cecil

Sims ville condominium Location: 2,4,6,8 and 10 Geylang East Avenue 2 Developer Sims Place Reality Ltd (CapitaLand) In true fact, this property was developed by the former DBS Land. But because of Monetary Authority's requirement for Banks (Development Bank of Singapore - DBS and other banks to divest their property arm). Tenure: 99 years TOP: In 1998 (around 6 years ago) Total number of units: 522 units consisting of 2, 3 and 4 room apartments. Location Map: http://www.streetdirectory.com.sg:8080/map.jsp?x=34242.66&y=33262.895&star=1&xyfile=&level=6&heading=15+JALAN+SUKA+%28399443%29&oldX=33512.41&oldY=32699.5&postal=399443&Click+Any+Point+To+Centralise+Map.x=191&Click+Any+Point+To+Centralise+Map.y=183 =========================== 1. In my opinion, many who had wrongly `speculated' on properties in the mid 1980's got their hands (mouth and feet) burnt to a crisp! 2. This site TOP in 1998 and construction started way back in mid 1980's. 3. At this period; many did not foresee the glut of new condominiums. This is a typical Singapore - scene. Whenever, companies felt, that they could make profits, nearly every local company will try to `dip their hands' into becoming a developer. 4. As a result, many (HDB) upgraders and new couples; now prefer to purchase a `brand' NEW condo rather than purchase one that is several years old! 5. The main advantage of this condo is that it is a stone throw away from the Paya Lebar MRT station. 6. Unfortunately, it is surrounded by a temple, and next a muslim mosque. And practically, most of the blocks next to the MRT line can be pretty noisy. 7. Subsidary proprietors who had purchased many of the units in the heydays have truly burnt their fingers! For example:- In 2000, depending on the storey/level, apartment prices can range between $580K p.s.f to as high as $682K. In 2002, prices dipped to as low as $420K p.s.f or to the high of only $520K p.s.f. Today in 2003; some units are sold for as little as $410K or less! Therefore, the morale of the story is that: for a 99 year old lease, try, try your best to buy one that is around the $410K to $450K mark depending on the location/near vicinity of MRT etc...) Anything more, may mean a loss. And if one uses one's CPF or a higher loan quantum, this is a REAL loss. Not just simply a PAPER loss for now. Warmest Regards, Cecil

Dear Siew Yong, Yes, I agree with you that Geylang has changed alot:) And you are right to say that the Aljunied/Paya Lebar MRT station is near-by to the Sims/Geylang area. Sorry, this is off-topic:- In fact; when corner coffee shop next to Katong Mall closed down; I really missed the very hot and spicy wanton noodle stall at this coffee shop. And a few years ago, I chanced upon this coffee shop, which shares the same link fence with the Aljunied MRT station. (Close to the Koi shop). Although, this wanton noodle stall cannot match the Katong Mall - I find this as an acceptable subsitute:) Overall, no matter how, one can say that I am truly biased with the word "GEYLANG". For example let me share this *Joke* which I had just thought out:- Senario ======= Couple: Mr & Mrs Tan, who are currently staying at Mountbatten Road, Katong. Mrs Tan had several times forgiven Mr Tan for his infidelity. One day, Mr Lim, a long time friend and primary school classmate bought an apartment in GEYLANG. And wanted to invite his classmate Mr Tan to have dinner with his family. Overheard this converstation over the phone: Mr Tan: Dear, I am having dinner with a FRIEND. Mrs Tan: OK, don't be too late. Mr Tan: Sure, no problem, it is only in GEYLANG. Mrs Tan: (Had a misunderstanding....) WHAT! SPENDING TIME AT GEYLANG WITH A FRIEND??? NEVER "DIE" BEFORE IS IT?". The morale of this story is "No matter which part of geylang one stays; one is STILL IN GEYLANG!" Cheers! Cecil

Dear Glyn, Yes, I sincerely feel the same way as you do i.e. North i.e. main door with 737. Yes, overall, just the token red floor mat is a better option to help neutralise #3. If you do not mind, free feel to post your contact numbers. Anyone staying especially in Perth or Australia, feel free to consult Glyn. She has continiously proven to be very focused and an asset to the Feng Shui community - given her many years of research into authentic Feng Shui:) Wishing you all the best in your Australia practise:) Warmest Regards, Cecil

Dear Koh, I believe that many of the readers in this forum are adults or at least adults. I have to apologise first, if you are not. This is because, what I am going to say may not appeal to the young. This is because, although it is right to say that Jade (or an object of jade is considered priceless) but; many are not aware of the "bad mouth" associated with Jade. If you are too young to read this... please close this message immediately.... STOP... Here goes... Perhaps Geylang will always be a red light district is because of it's association with Jade. Although many of us think that Jade is priceless, but if one research further it has SEXUAL connotations. Jade which is often cool to the touch is like the skin of a girl. And in Mandarin - the term "handling Jade" if translated simply means sexual intercourse. There are even more intensive meaning linking to the `vulva'; `penis' such as jade fluid -- associated with semen or vaginal secretions etc... I will stop... here. I must sincerely apologise to all, if the above sounds crude. But, honestly, the above is the truth about `Jade'. Thus, it would certainly seem that the "priceless jade" has other meanings after all. And no wonder, Geylang continues to be a `red light' district. For now and perhaps, in the distant future. This is why I often skip evaluating of Geylang properties. Once again, I truly apologise to everyone for this message, if it has offended or embarassed you in anyway. Do take this as an education or an eye-opener. Warmest Regards, Cecil "In the past, Jade feels cool and this is akin to the skin of a girl. And

Dear Glyn, It would be best to see a picture of the town houses. But in my opinion, based on your key information below:- The developer is in-tune with reality:) In Singapore, how I wish, many developers would truly consider the heat from the west sun. I believe, in Perth, this can equally be quite hot. Since the developer chose not to have any windows at the West; because of this, in my opinion, the frontage cannot be at this location. Without the pictures or a street directory close-up map; I would personally think that "north side" where there is the full views of the ocean should instead be the facing direction. (And not the west even if it faces the ocean - unless, there are openings at this location). Warmest Regards, Cecil

Dear Kohsy, Yes, at the moment, because Geylang is a red light district. And, in my opinion, it looks like this red light district is going to stay for sometime. I believe that, in the next 10 to 15 years at least, this red light district will still be around - geylang. It is not like the government can simply relocate it to e.g. Pulau Ubi etc... Yes, and because of this reasoning; and in a recent documentary, some residents (females) who stay in condos in geylang were asked for such services. As a parent, we are already concerned about our children's education. We do not want to have additional concerns about their `safety' right at our door steps. Many of us cannot afford to own more than 1 car. Nor our children can expect to be driven around. They will often have to take a bus and alight a the bus stop. In addition, Geylang, does not have a MRT hub or at the moment LRT convenince. And much therefore depends on open public transports. Therefore, no matter how good a location is e.g. "A Jade", it can easily turn out to be a "sugar coated Jade" or " a black jade". Sad to say, many Singaporeans, I believe, will still look at this area as a "low class" area. And anyone coming from there .... is given a "black mark". However, in terms of first-hand purchase, the p.s.f. per square feet at this location - is the only attractive thing. Warmest Regards, Cecil

Dear Diane, 1. In my opinion, it is difficult to precisely say for sure whether the windchimes are or are not beneficial to you. Since often, compass school Feng Shui e.g. Flying Star is often used to determine if, a wind chime can be used beneficially or not. 2. In addition, you had not mentioned the material these windchimes are made of. As this can play a part when combined with Para 1 to see a `bigger' picture. 3. For now, one can often apply "intuition" or to call it crudely: "Trial and Error" Feng Shui. 4. Please do a search in this forum to find out what I had written many years ago: The concept that I had coined " The Customer Engineer " concept. As this has a bearing on how best one should approach the "Trial and Error" Feng Shui. Warmest Regards, Cecil

Case Study of Oasis Garden freehold Apartment ======================================= Purpose of this case study: In examinations, we often review the past year questions. And see how best we can approach to maximize our answers. This is an extract of the information put up by the Source and Credit: ---------------------------------------- The Sole Marketing Agent, Sieow Teak Hwa of Teakhwa Real Estate PL at 9858 0900 or 67771008. Email teakhwa@starhub.net.sg Company Name: Teakhwa Real Estate Pte Ltd Country: Singapore Tel: 65 - 9858 0900 Fax: Nil Contact Person: Sieow Teak Hwa Email: teakhwa@starhub.net.sg ======================================== Collective Sale of Oasis Garden Freehold Residential Site Message: Enbloc Sale of Oasis Garden - Best Investment Today! * A sizable 77,509 sf development site * Highly marketable near MRT station location * Very competitive pricing. Property Description: Property Address: No. 30 to 48C Bunga Rampai Place Land Area: 7,200.8 sm or 77,509.4 sf (approx) Tenure: Freehold Master Plan Zoning : Residential / Plot Ratio 2.1 Potential GFA: 162,769.8 sq feet Potential Development: About 130 to 150 units Niche Highrise Condo Development project. The site has the URA Outline Planning approval for a Highrise Condominium Development. The Benefits: 1. Located in highly Sought-after and Marketable District 19 & 20 North Eastern area 2. Sandwiched between two proposed MRT stations along the new MRT Circle line 3. Near choice schools including Maris Stella Primary/ High School and Cedar Girls School 4. Convenient stores, shops and eating place are all within walking distance 5. Quiet and serenely located away from any major roads or MRT tracks 6. Surrounded by lowrise housings and shops in the vicinity, most of the units should enjoy unblocked breathtaking views of Paya Lebar & Serangoon area 7. Ideal size and shape for a Niche Condominium project 8. Have good economy of scale Competitive Pricing: The Subject Property is very attractively priced which allows the Prospective Developer to: 1. Have very low break-even price 2. Immediately market the ?Priced-to Sell? project to the mass upgrader market segment 3. Translate into a tidy margin for the potential developer === End of Notice placed by the Sole Marketing Agent ==== Cecil's comments: A. If we read between the lines, I know that it is nearly impossible nowadays to find new freehold condominiums that has such an attractive redevelopment potential and high capital gains. B. Nevertheless, many of the points under "The Benefits" are worth relating to; whenever we want to purchase any property. C. Here, it is interesting to note that with a land area of 77,509.4 s.f.; the authorities has allowed for a potential built up of 162,768.9 s.f. D. Some of you who had read this, may perhaps, hmm.. want to consider purchasing flats similar to this. But, one should only do so if one has spare money. Else, if such an en bloc sale never materialises, this may even be worse. E. In the past; many graduates or those who had succeeded in their own business had several `upgrading' considerations: Option 1 ======== Live in a HDB flat. Hope it appreciates; then sell it and either buy a bigger HDB flat or upgrade to a "condo" - 99 years or freehold depending on combined salary etc... Option 2 ======== In the past, graduates, often rise in their career and the combined income can easily allow them to afford immediately `private property'. And, even progress to a landed property. Nowadays, majority of the young couples; either go for 4 or 5 room new HDB apartments e.g. Sengkang, Woodlands etc... or go for Executive Condos, where they receive a special government subsidy. And... if they are realistic enough ... in the future upgrade further. Ultimately, it is a fair chance to say that many Singaporeans, when they grow old would MOST likely downgrade to smaller or affordable apartments. Therefore, I must again emphaise, Feng Shui is not the first priority. But rather: Location, location and location will ultimately make or break your `bank' (finance). Warmest Regards, Cecil

Further to what I mentioned: 1. No matter what house or apartment that we are buying, do more thorough financial planning for the future and perhaps seriously consider some form of insurance (hospitalisation) 2. Invest by procreating more little ones. Hope and pray that at least one or more of them shows filial piety: 2.1 As mentioned in some of my messages: TODAY, a higher success rate (in Singapore) are girls. 2.2 If not, pray that at least one of the boys become a billionaire! In Singapore, even a millionaire cannot afford some of the freehold landed properties. 3. Stay, pay up as much of the loan for the freehold condo and try to look for some landed property. A modest terrace freehold landed property is; in my opinion, much better than any freehold condos. 4. Again, pray hard that after your son's graduate or complete their highest education to the best of their ability: They do not `pester' you for money. 5. If any of the above does not sound attractive... perhaps, one may seriously consider migrating to e.g. Australia. Or even Canada (welfare state)! 6. What else? Pray hard, and cross your fingers! Warmest Regards, Cecil

Dear all, 1. In this write-up, for ease of reference; when I mention Freehold it should also include sites that are 999 years or given a Statutory grant. 2. In my opinion, there is a difference between buying a Freehold LANDED PROPERTY vs a Freehold CONDOMINIUM. 3. It is very important to understand past precedences:- 3.1 In the past, e.g. prior to 1970's there were very few condominiums. Often, many of these collective apartments are not higher than 6 or 8 storeys high and very spacious. 3.2 Many of them need renovations to the plumbing (sewerage/leaks) etc... And for such sites, an attractive alternative to selling individually is via `En bloc' sale. 4. For example, because of the poor state of these freehold apartments: many of the units, perhaps a unit could still say fetch a reasonable sum (depending on the location/size) of say $500K - in a good market condition. But, if it can be sold collectively, perhaps each owner could pocket e.g. $1 million each. 5. This could be true because: often, the government could increase the plot ratio and allow for higher than 8 storeys high. With allowance for basement car parks (instead of open car park); more space for more units. 6. What about the new FREEHOLD condo; that you want to purchase? If you live on a landed Freehold property; often, it would seem attractive to anyone wanting to purchase it - IF the price is right. Often, many who purchased such `old house' e.g. 30 or 40 years old would like to either renovate it or pull it down to built a new one. 7. How about that Freehold condo, that you are eyeing? 7.1 Nowadays, developers have already squeezed in to the maximum allowed ratio of apartments per site. 7.2 Even if the condo can be around for the next 30 to 50 years. There will always be people who never liked to live in old locations. 7.3 For such Freehold condos, it is not a simple matter of knocking down your unit and rebuilding it. It has to be the concensus of the entire `En bloc' residents for such a sale. 7.4 Even if we do sell it, many of the units already are not as big in space as those in the early 1970's. 7.5 Here "so what if it is freehold?" If Enbloc is unattractive and by the next 20 to 30 years, many of the residents are `aged' - they simply cannot afford to move out since they are stuck with such a property! It would end up literally as an `old' folks home! 7.6 What is worse is that, after 30 to 40 years, given that it is unattractive for an `En bloc' sale; then can we do an extensive renovation to spruce it up? Again, many who had retired, may perhaps no longer have the means to support their home. 8. Therefore, in my opinion, the above are some of the considerations to note if we want to purchase a freehold condo. If possible, even if we want to purchase one; are they any freehold developments that we feel is currently generous e.g. relatively lower units to plot size? Warmest Regards, Cecil

"When I first learnt about feng shui, I had no idea there was such thing as kindergarten FengShui and the true and proper form of feng shui. I have simply accepted that fact and have followed it step by step. I have learnt many things. It's encouraged me to bring my wellbeing desires forth. Feng Shui really does bring joy into our lives - IF we apply it correctly. FIRST by starting with yourself. How is it that we can gain strong health if we drink coffee, smoke and alcohol? How do we gain a stable financial account if we tend to spend money on things we really don't need in our lives. How can you gain knowledge and wisdom if you curse and criticise? So as you can see, if we want to take advantage of fengshui, then you, as yourself must change." "When I took action to change myself, I also felt the desire to goto church. religion is like feng shui, there are kindergarten churches, and a true and proper form of church. As i joined the church of Jesus Christ of Latter-Day Saints; the only true and proper form of church on this earth. life has never been any better. I love it!! It feels as if I can take advantage of fengshui as well as live a happier life I have most desired for. It has brought many blessings into the home." "Happiness is not within money or wickedness, but love and charity, it balances your life so it will bring forward a more better and stronger YOU!" "I would like to thank Cecil for this website. I have followed Cecil's feng shui advice and have found them work for me." "I hope this testimony will help all realise that fengshui will not work, if you plan to be lazy about it!!" All the best, Daniel, New Zealand

Dear Anon, Thanks for seeking clarifications on this. Actually, what I was trying to imply has more to do with the Chinese custom known as "ancestor worship". Let me elaborate: Often, when a loved one passed away; especially a parent; a filial eldest son would often have the photo portait blessed with a priest. Some priests even paint over the eyes of this portait for the dead. The above is more for info. It may or may not happen. But, given this idea, it is best not to place this portrait/ancestor tablet facing the main door or dining table or have the back on the same wall as the toilet. Or face into the bedroom. For other pictures; or pictures of rememberance, it is normal to place it in our bedrooms or even next to our bed. Warmest Regards, Cecil

Dear Wincash, Yes, laughter is indeed a good medicine:) We should always if we can take a break. If so, we can certainly improve our human luck:) Please see below:- Under Feng Shui, the key success factors are: 1. Where possible, try to use a three element logo. For a logo, there are two ways of looking at it: 1.1 Usually, this is based on the ba zi of the owner or partners. 1.2 Logos based on the business. Here, since the company deals with fire and metal. A harmonious logo MAY (CAN) consists of three elements: Fire (usually Red is used) Metal (usually white background or gold colour is used) The extra element should be: Earth (Yellow). Under the productive sequence of the five elements concept: Fire produce Earth. Which in turn supports Metal. 1.3 For a logo panel, always go for the `harmony of yin and yang'. Thus if the length of the logo is: 89 cm then the width should be say 42. (Yin is even numbers e.g. 2, 4, 6, 8 etc...) (Yang is odd numbers e.g. 1, 3, 5, 7 etc...) 1.4 If the main entrance is facing NE, then, more importantly, the logo panel should preferably at the side of the office. Or if there is already a logo panel above the door, then, another one should be placed next to the door for the NE facing main door. 1.5 Frankly, there is not much choice if the main door faces the lift. 1.6 Often, if this is a Chinese business and do not have Malay clientelle, then, some business place plants at each side of the business. Or place a red banner above the main entrance area to invite better qi. It is still safer to introduce metal at this sector. since fire #9x2 often fuel or inflame #5 misfortune/sickness star. Fortunately the auspicious #8 has helped to lessen it. This has more to do with safety of the structure rather the water tank. This is because, often the water tank is enclosed. It is not like a swimming pool. In commonsense approach to Feng Shui, this has more to do with the strength of the structure or measured in per kilo newton weight that the roof can support before it collapses. If the roof was not built or calculated properly or the wrong mix of cement / steel beams are used imagine the devastating effects it has even in a low magniture earthquake. (This is especially true in earthquake prone cities.) Quite sometime back, we hear of poor quality construction in Turkey. And personally, in earthquake prone cities; I don't want ever to stay in such an apartment. Where, such a water tank can come crushing downwards. Hiding under a table would not help, here. Frankly, as mentioned above, many, many concepts or ideas in Feng Shui has it's origin with commonsense. All of us should always try to take this approach, first. By doing so, we can then have a firm grounding on what is and what is not Feng Shui. Lastly, I always mentioned that even if we were to buy a new home; what matters most is our affordability and how much liquidity it can bring. In addition, we should not fall into the trap of being `entrapped' in a home where we had made an expensive purchase. But had committed to huge loans. Many Singaporeans are now in a fixed. Some need liquidity e.g. because they lost their job etc... but if they do sell their current property; they could easily lose $100K to $200K or more. Worse, many are still paying for their bank loans! No Feng Shui Master in the world can bring us out of this `blackhole'. This is why, I often emphaise to everyone here, money is not everything. Many of the Human/Man luck are FREE! What is more important is to have a healthy family relationship. So long as each of us still have our arms and legs, and willing to do honest work; we still have "each other" (family members) for support! Cheers! Everyone try to change your outlook and bring joy to those around you! This SECRET is truly free! Warmest Regards, Cecil

Dear Anon, It does not matter if it is N-NE, NW-SE. But rather, often, the entrance is at the frontage of the building. And, if often also, open car parks are most conveniently location at the frontage or surrounding / around the perimeter of the building - taking into consideration, the movement in and out of the building. For example, in some larger buildings with only open car park, cars are often parallel parked in a one-way direction. Where vehicles come in at one direction and exit another direction. It also depends on the shape of the plot of land plus the outline of the plot of land. For example, if the front has only room for the entrance, but the back of the site is relatively large, then, here, of course, car parks or any other vehicles can be parked, at this location. If the building has in-door car parks, then, parking is dependent of the building architect's design. Sure, why not if one personally likes objects of art and buy them. Please note that often, it is not as what you had mentioned. Many people, read, or have heard or were `told' that a specific figurine is good as it brings in wealth. For example, the most common are " The three-legged toad" and " Feng Shui crystals ". The simplest question asked is: Are you buying it in the hope of gaining more wealth or is it purely a decorative item. You had mentioned that the rich of buying loads of antique works etc... This is precisely my point! As you had correctly said one of the items is an antique. The true definition of an antique is that normally, it can appreciate in value. Can anyone tell me that the three-legged toad, made by an unknown source is an antique? Yes, rich people can afford to buy even expensive paintings e.g. Van Gough, Michealangelo etc... Yes, they can afford to purchase decorative items from the House of Cartier etc... But the difference here, is that these antiques or collectibles does not "have a promise" of giving riches to a person. For example, just go to any of the Feng Shui emporiums. How often, does one see a description of objects like Fu Lu Shou and more... and a description of the type of `luck' it may symbolise. Therefore, even if it is an antique, often, it appreciates and has a value. Many of us have a `poor' thinking that our `cheap crystals' or many of the Feng Shui items we purchase can give us hope. The saying goes "the poor dream about being rich" or buy some silly object and hope they strike rich. THE RICH WORK FOR IT. "Money does not fall from the sky". Warmest Regards Cecil

Further to what I had mentioned, many Singaporeans had paid unrealistic prices (to me I call it `crazy' prices) for apartments. For example, I remembered when this development was placed on sale, the price is something like S$800 to S$860 p.s.f. in late 2000 to 2001. Last year, the average 2nd owner market is around S$700 p.s.f. to S$740 p.s.f. There are several units that were placed on forced sale. And the transacted price is $492 p.s.f.! Freehold, 999 or statutory grant; again, do study or carefully look at the p.s.f. of the potential apartment that you like to purchase. Warmest Regards, Cecil

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