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  1. Friend sent me this..duno how true. 看看你的骨重 算法:出生年、月、日、時辰各有一個特定重量,把四項重量相加,便得出「骨重」。 注意:出生年月日皆以農曆計算,若不知道自己的農曆生日日期,可翻查萬年曆 年     鼠 兔 馬 雞 1924 / 1984 1.2兩 1927 / 1987 0.7兩 1930 / 1990 0.9兩 1933 / 1993 0.8兩 1936 / 1996 1.6兩 1939 / 1999 1.9兩 1942 / 2002 0.8兩 1945 / 2005 1.5兩 1948 / 2008 1.5兩 1951 / 2011 1.2兩 1954 / 2014 1.5兩 1957 / 2017 1.4兩 1900 / 1960 0.7兩 1903 / 1963 1.2兩 1906 / 1966 1.3兩 1909 / 1969 0.5兩 1912 / 1972 0.5兩 1915 / 1975 0.8兩 1918 / 1978 1.9兩 1921 / 1981 1.6兩 牛 龍 羊 狗 1925 / 1985 0.9兩 1928 / 1988 1.2兩 1931 / 1991 0.8兩 1934 / 1994 1.5兩 1937 / 1997 0.8兩 1940 / 2000 1.2兩 1943 / 2003 0.7兩 1946 / 2006 0.6兩 1949 / 2009 0.7兩 1952 / 2012 1兩 1955 / 2015 0.6兩 1958 / 2018 1.4兩 1901 / 1961 0.7兩 1904 / 1964 0.8兩 1907 / 1967 0.5兩 1910 / 1970 0.9兩 1913 / 1973 0.7兩 1916 / 1976 0.8兩 1919 / 1979 0.6兩 1922 / 1982 1兩 虎 蛇 猴 豬 1926 / 1986 0.6兩 1929 / 1989 0.5兩 1932 / 1992 0.7兩 1935 / 1995 0.9兩 1938 / 1998 0.8兩 1941 / 2001 0.6兩 1944 / 2004 0.5兩 1947 / 2007 1.6兩 1950 / 2010 0.9兩 1953 / 2013 0.7兩 1956 / 2016 0.5兩 1959 / 2019 0.9兩 1902 / 1962 0.9兩 1905 / 1965 0.7兩 1908 / 1968 1.4兩 1911 / 1971 1.7兩 1914 / 1974 1.2兩 1917 / 1977 0.6兩 1920 / 1980 0.8兩 1923 / 1983 0.6兩 月(農曆) 正月 二月 三月 四月 五月 六月 0.6兩 0.7兩 1.8兩 0.9兩 0.5兩 1.6兩 七月 八月 九月 十月 十一月 十二月 0.9兩 1.5兩 1.8兩 0.8兩 0.9兩 0.5兩 日(農曆)       初一 初二 初三 初四 初五 初六 初七 初八 0.5兩 1兩 0.8兩 1.5兩 1.6兩 1.5兩 0.8兩 1.6兩 初九 初十 十一 十二 十三 十四 十五 十六 0.8兩 1.6兩 0.9兩 1.7兩 0.8兩 1.7兩 1兩 0.8兩 十七 十八 十九 二十 二十一 二十二 二十三 二十四 0.9兩 1.8兩 0.5兩 1.5兩 1兩 0.9兩 0.8兩 0.9兩 二十五 二十六 二十七 二十八 二十九 三十 1.5兩 1.8兩 0.7兩 0.8兩 1.6兩 0.6兩 時辰 子 (2300 - 0059) 1.6兩 午 (1100 - 1259) 1兩 丑 (0100 - 0259) 0.6兩 未 (1300 - 1459) 0.8兩 寅 (0300 - 0459) 0.7兩 申 (1500 - 1659) 0.8兩 卯 (0500 - 0659) 1兩 酉 (1700 - 1859) 0.9兩 辰 (0700 - 0859) 0.9兩 戍 (1900 - 2059) 0.6兩 已 (0900 - 1059) 1.6兩 亥 (2100 - 2259) 0.6兩 例:生於1980年新曆8月29日晚上8時 年: 1980年 = 0.8兩 月: 農曆7月 = 0.9兩 日: 農曆19日 = 0.5兩 時: 晚上8時 = 0.6兩   骨重 = 2.8兩 解說: 稱骨歌的骨重由2.2兩至7.1兩,愈重愈佳,而每個重量亦有相關的解說,     由四句歌訣說出一生命運,現將每個重量的解說簡化如下: 2.2兩 為乞丐命,孤苦伶仃,朝不保夕,吃不飽穿不暖,為人庸碌無能,一生行乞度過。 2.3兩 福氣不全,求謀作事卻一事難成,妻兒兄弟旨不可靠,離鄉別井投靠別人,尚可有兩餐溫飽。 2.4兩 福祿不全,出身貧苦,家道難有興旺的一日,親人沒有助力,宜出外謀事,但求三餐一宿。 2.5兩 祖蔭少,出身貧苦,六親無情冷漠,難以依靠,一生辛勞自食其力,尚且能得兩餐溫飽。 2.6兩 苦中掙扎,獨自為生活奔波勞碌,宜及早離家謀事,勤勤懇懇,晚年生活雖不富裕,但總算無憂。 2.7兩 祖蔭少,出身貧苦,少年已須靠自己到處闖,到處碰壁,多做少成,一生煩惱困苦無窮無盡。 2.8兩 出身貧苦,父母或家庭沒能大庇蔭,一生輾轉流離,飄泊無依,若無過繼他人,便是一生居無定所。 2.9兩 早年運差,諸事欠順,四十歲後才可安身立命,名成利就,離鄉別井或改姓對運程有幫助。 3兩 一生勞碌奔波,為生計而苦苦掙扎,難有安定日子,須終身勤儉克苦,晚年才能稍有安穩。 3.1兩 早年謀事艱苦,家道貧寒,為生計而苦苦掙扎,中年後才見順利,興家立業,衣食尚算無憂。 3.2兩 早年運滯,諸事難成,後來漸有財源滾滾的一天,而中年後衣食不缺,名利雙收。 3.3兩 早年事事難成,半生辛勞謀事亦枉費心力,多做少成,至晚年運勢稍旺,衣食無憂。 3.4兩 在塵世福祿不全,為僧道之命,須離鄉別井,終身拜佛修道,多作善事才得善果。 3.5兩 福分不全,缺少家蔭,謀事須安守本份,不可好高遠,待時來運到之時,自能衣食不缺。 3.6兩 早年福星高照,際遇非凡,並非庸碌無能之人,福分不淺,能靠自己能力出人頭地,諸事皆成。 3.7兩 事事難成,兄弟缺乏助力,須自食其力,一生辛勞亦難守微不足道的祖業,枉費心力。 3.8兩 骨格清高,聰明勤學,終能苦學成才,中年後有望擺脫貧苦,甚至踏足官場,或在大機構擔任要職。 3.9兩 終身運勢不通,多勞少成,儘管一生苦心竭力,克勤克儉營生,即使略有所成,到頭來還是無福享受。 4兩 早年雖吃苦,但注定福祿綿長,早年受過不少風霜挫折,猶幸為人聰明能幹,意志堅定,終能大器晚成。! 4.1兩 為人聰明能幹,絕非池中物,早年運勢欠順,但中年運勢轉順,已能無憂無慮,逍遙自在。 4.2兩 早年運氣不順,為名利終日多思多慮,難以寬懷,中年後運勢漸順,名利齊來。 4.3兩 心思靈巧,聰明能幹,人品極佳,做事光明磊落,早注定衣祿豐厚,一生無須勞心勞神。 4.4兩 早年過份強求名利,奈何財運不順,但福份也是靠修來的,該放開胸懷,晚年便能無憂。 4.5兩 早年為名利奔波勞碌,中年後亦難以安定,一生難有兒女,晚年運須靠早年未雨綢繆。 4.6兩 父母沒有能力庇蔭,早年須離鄉別井穿州過省謀事,改姓或過繼他人運勢更佳,中年後衣食豐足。 4.7兩 福份綿長,無須為營生而終日勞碌,晚年運尤佳,妻 (夫) 榮子貴,生活無憂無慮,財源滾滾,豐衣足食。 4.8兩 早運不佳,蹉跎歲月,辛苦奔波,多勞少成,命帶孤苦,無依無靠,但晚年亦算興隆,衣食豐足。 4.9兩 福澤不淺,聰明自立,能靠雙手光宗耀祖,白手興家,晚年有名有利,有財有勢,受人敬仰。 5兩 為名利勞心勞力,難以安心,中年福祿亦不佳,但幾番辛苦之後,晚年財星高照,衣食豐足。 5.1兩 一生事事順遂,無須勞心勞神,親人皆有助力,一門顯赫,立業興家之時,福祿無窮。 5.2兩 家世顯赫,聰明有才幹,一世亨通,事事順利,無須勞苦奔波,自能光宗耀祖,家財萬貫。 5.3兩 福澤深厚,聰明有才幹,一生衣食無憂,立業興家,財源豐厚,富甲一方。 5.4兩 福澤深厚,出身書香世代,飽讀詩書,必能名成利就,豐衣足食,生活安穩,無憂無慮。 5.5兩 才幹非凡,從事武職 (紀律部隊) 爭名逐利,少年作事枉費心力,中年後富貴榮華,顯耀六親。 5.6兩 人品非凡,胸懷磊落,早年嘗過不少苦楚,但福祿無窮,財源滾滾,晚年豐足。 5.7兩 福祿雙全,富貴長壽,品德完美的聖人,名聞於世,受萬人景仰,一生無憂無慮淡泊名利。 5.8兩 富貴福祿俱全,衣食自來,飽讀詩書,為高官厚祿之命,或在大機購中身居要職,執掌權柄。 5.9兩 聰明靈巧,出類拔萃,飽讀成才,在古代為狀元之命,從事武職 (紀律部隊) 功名顯赫。 6兩 聰明能幹,飽讀詩書,在古代必金榜提名,揚明立萬,顯耀宗親,衣食不缺,田產家財豐盛。 6.1兩 聰明能幹,天才橫溢,若非飽學成才,也必定富甲一方,成就非凡,舉世聞名,光宗耀祖。 6.2兩 福澤深厚,飽學成才,榮華富貴無窮無盡,在古代為卿相之命,威名顯赫,在現今也可解作掌權。 6.3兩 飽學成才,命格注定為官,或在大機購中掌權,福祿無窮,富貴榮華,家世興旺,一門顯赫。 6.4兩 古代為上書之命,能掌權威,富貴不盡,功名顯赫,在現今亦必為一國高官,政績超凡。 6.5兩 品格非凡,在古代為大將軍之命,建功立業,威名顯赫,在現今可解作從事武職而得威權。 6.6兩 出身富裕之家,福氣深厚,無須為名利煩惱,無憂無慮,亦可憑一己聰明而飽學成才。 6.7兩 出身顯赫富裕之家,福祿自然而至,家財冠世而聲望高,富可敵國,衣食豐足,事事順利。 6.8兩 生於富裕之家,家財萬貫,無須為名利愁煩,但才幹不凡,能靠自己能力使家業更鼎盛。 6.9兩 在古代為受封賜之命,在現代可以為官,亦可以是在大機購中受到賞識而掌權,富貴雙全,受人欽仰。 7兩 雖福份不輕,但終日勞心勞神,勞勞役役,追名逐利,其實注定富貴雙全,位高權重,名聞四海。 7.1兩 命格超凡,富貴雙全,在古代為公侯卿相之命,成就非凡,位高權重之餘,卻能無憂無慮。
  2. Is the HDB housing loan a reducing balance loan? If so, how is the monthly instalment amount calculated? I understand that if the monthly instalment is X, then X = Y+Z where Y goes toward principal and Z toward interest. Over time, X remains constant but Y and Z will change. How is X determined? How are the proportions of Y and Z determined? attached: example using CPF website calculator
  3. Can one of you kind souls help me on this? Despite reading the Wikipedia page numerous times I still cannot derive or understand the check digit calculation of my vehicle. Using the example quoted in Wiki, how do they derive the "6 fixed numbers as (9, 4, 5, 4, 3, 2)"? and why are the 19 characters used quoted in this order?? (A, Z, Y, X, U, T, S, R, P, M, L, K, J, H, G, E, D, C, B) where A=0, Z=1, etc... Can anyone make this Wiki page a lot clearer to understand for a layman? Cheers http://en.wikipedia.org/wiki/Vehicle_registration_plates_of_Singapore#Checksum
  4. hi all, i just happen to browse sg car mart to see my dream car, then i notice my current car mini cooper s fc is too good to be true. in sg car mart, it stated mini cooper s is 14.9km/pl. vios is 14.1km/pl kia cerato 1.6 is 14.2km/pl subaru legacy gt is 10.3km/pl wrx sti is 6.4km/pl swift sport is 13.1km/pl u all belive? for me i dont really
  5. Came across this advert in sgcarmart. http://www.sgcarmart.com/used_cars/info.ph...627&DL=1117 Nov 2006 Wish selling at 57k. It is stated in the advert "$0 Deposit! $635 Monthly Installment!" That is a Nov 2006 car so will have 6 more years to go until scrap at 2016. Now Dec oreadi so there is a repayment period of 71 months if full loan. So 635x71 is $45,085/- ...tio bo? And that also haven't include interest from the loan... So how come the repayment is cheaper than the price of the car? Or did I count wrongly?
  6. 1. i want to buy a second hand 3yr old car that depreciates 40k a year. with road tax, servicing, insurance, petrol etc all in, about 50k per annum. 2. i decide to pay cash for the car and expect to take the 100k lost when i sell the car after 2years. 3. i sell away the car after 2 years and collect cash less 100k back. questions 1. did i miss out anything on car ownership in singapore now? 2. do all of you car owners do this method of calculating ownership of cars in singapore? 3. does number of ownerships of a second hand car further depreciates when i sell? 4. should i buy a second hand car only when the coe drops? 5. are direct buyers on sgcarmart trustable? i read somewhere that they are actually dealers in disguise. 6. i also heard there is football money when i buy through dealers!? what the hack is that? one of them goes by 1% of the done price. 7. what happens when the car reaches 5th year. i understand that the parf or something will drop or so? thanks. please help me understand this.
  7. is there any simple calculation to calculate the damage i had to pay to loan company?i took a 10 yrs loan.(know the damage would be big but just wanna check how big is it). loan=49k mthly=537 interest=3.15%
  8. http://motoring.asiaone.com/Motoring/Drive...124-194091.html Would anybody take the trouble to actually do this mathematics for parallel parking.
  9. Anyone knows how to calculate land size? The draft is measured in Feet and inch.... me math very bad so need the bros here for help, thank you and appreciate it.
  10. Hi Bros, need some advise on downpayment amount in relations to breakeven calculation. Scenario as follows: Car Price: 43k Reg Date: Dec 05 COE: $15669 OMV: $19962 De-reg at Dec 2012 Parf rebate: 12975 COE rebate: 4700 Total: 17675.7 If loan at 3.5% for 5 years. How do I calculate the downpayment I should put so that I can scrap car to cover outstanding loan in 3 yrs time - Dec 2012?
  11. A friend just bought a 1st hand flat. HDB sent her the monthly payment of $1,800. She checked HDB webby and got to know its 2.6% But...if work backward on the sums. Its impossible to be 2.6% Any bros here can enlightened me on this? How HDB calculate their interest rate? Price of Flat: $484,000 Down 10% : $48,400 Loan Period: 30 years Monthly Instal: $1,800 Should the loan amount be after less 10% down. Its $435,600 Thanks in Advance
  12. What's the answer when you have a Honda Civic Type R FD2R and multiplied with some Mugen engineers?Well....Let me not take much of your brain-juices...... As of this morning at 0300hrs, the limited edition red Civic Mugen RR had arrived on our shores (PSA Wharves). Limited to ONLY 300 units, its not known where the other 299 units are though....Duh! http://www.autoblog.com/2007/06/28/officia...civic-mugen-rr/[/url] http://www.autoblog.com/2007/09/18/0-300-i...llout-in-japan/ [/url] P/S: Correct me if I'm wrong. Doesn't the front look amazingly similar to the UK CTR? I had a VERY close-up look and discovered this. Oh yes, the rear exhausts are twins on the sides unlike the single right side of the CTR. Wonder which PI is presenting the lucky guy this gem?
  13. Dear all, Just wanna post this here to check with all the expert. For GST calculation ..... Let's say for $1,000 ... to add GST ... we take $1,000 x 1.07 = $1,070 ... correct? So now ... to less off GST ..... Which is the correct way? $ / 1.07? OR $ x 0.93? Please advise.
  14. Does anyone have any idea where to download the Income tax tiering system for personal income tax? I've search all over the www.iras.gov.sg website and can't seem to find it anywhere? I need to calculate where the tax thresholds are for my wife and I.
  15. Thinking of buying over a friends' 1 year old Jazz. (He wanna upgrade to bigger car due to family expansion).. Need help to know what is the actual cost I have to bear, and also the Loan portion...any expert on this? details 2006 Jazz, bought on Jan8, 2007 10 years loan, monthly repayment is $620 OMV value: $14,487 PARF rebate amount: $11,952 QP Paid: 9605 COE rebate Amount : $7,684 Total Rebate Amount : $19,636 Transfer fee: $1,310 (for 1 year road tax) How to calculate the price which I am actually buying the car? the new repayment amount if I take over the loan ?
  16. Have read before here that every $1 drop in OMV is multiplied by 2.3(?) times on car price, anyone have the formula on how this ratio is arrived at ? Tried looking at onemotoring but cannot arrive at this figure. Thanks
  17. hi...been to xxxxxxx.com to calculate my car loan/redemption and supposed i need 2 more years to even out...its is infact shorter right cause car body value upon scrap is not factored in????
  18. Hi guys, I have been driving my present car for slightly more than 3 years. Bought at $80,388 with COE of about $32,000.00. Am thinking of changing car now to a 1.8L car which cost around $76,000.00. I am quite a dimwit when it comes to calculating whether is it a suitable time to change car. What are the things i should be considering? Sorry, i know i sound hopeless. Any advice or pointers?
  19. Anybody knows? Wondering how much a 3800 cc car's road tax is....
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