Cecil Lee

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AN EXAMINATION OF WHICH FLYING STAR PERIOD ONE SHOULD UTILIZE? +++ Which Flying Star Period to Use? For example, take a look at Treasure @ Tampines The transition of Feng Shui Qi is significant in the context of the Chinese New Year 2024, as it influences the energy dynamics within a space. The timing of when a unit is first occupied plays a crucial role in determining its Flying Star Feng Shui. This means that the specific day of occupancy will affect the energetic quality and overall Feng Shui of the unit, highlighting the importance of timing in Feng Shui practices. Understanding these elements can help individuals optimize their living environments in alignment with the changing energies associated with the New Year. +++ When did the first owner/resident/tenant take residence in the unit at Treasure @ Tampines? +++ EITHER Can be the owner, resident or a tenant OR Can be the owner, resident or a tenant REGARDLESS, UNITS FACING NORTH POSSESS A POSITIVE FENG SHUI OVERALL How do you Feng Shui your home? Use your front door? Who are the Conservatives & the Modernist? +++ For Parc Clematis, for example, many collected their keys in 2023. However, some may choose to move in on or after CNY 2024. +++ Cecil Lee, Geomancy.net

Related: Conceived Twins After Feng Shui Consultation

Source & Credit: THE STRAITS TIMES Monday, June 08, 2026 Singapore households’ net wealth up, but also taking on more debt by Chor Kieng Yi , Senior Business Correspondent Households here are better off than a year ago, with net worth rising 6.7 per cent, but are also taking on debt at a faster pace. Household liabilities grew by 8.2 per cent year on year in the first quarter of 2026, according to the latest household balance sheet releases by the Department of Statistics (SingStat). This marked the 10th straight quarter in which household borrowing has picked up pace. Meanwhile, the financial and residential property assets held by households increased year on year by 6.8 per cent in the first quarter of 2026, although at a slower pace than the 7.3 per cent growth in the fourth quarter of 2025. Notably, households are accumulating debt at a faster clip than they are building wealth – a shift that emerged in the fourth quarter of 2025 and continued through the past quarter. Lee Yen Nee, senior country risk analyst for the Asia-Pacific region at BMI, a unit of Fitch Solutions, told The Straits Times: While household liabilities have grown faster than assets, the sheer scale of household wealth means Singapore remains relatively low-leveraged. SingStat’s report released on May 26 also showed that household wealth as a percentage of personal disposable income held steady at 863.8 per cent in the first quarter. This means the net worth of all households – assets net of liabilities – is about 8.7 times their annual aggregate take-home pay. Excluding illiquid property assets, financial assets as a percentage of personal disposable income fell 0.5 percentage point to 557.3 per cent. Financial assets include readily available bank deposits and other less liquid assets, such as insurance and listed securities. While not completely representative, this figure gives a rough idea of a family’s financial cushion. At 5.6 times take-home pay, it means that households collectively have a reserve that can sustain them for around five to six years if they lose their jobs. MORTGAGE AND CAR LOANS The pick-up in household liabilities in the first quarter of 2026 was due to faster growth in mortgage and personal loans, noted SingStat. Mortgage loan growth rose 5.8 per cent year on year in the first quarter of 2026, following 5.4 per cent growth in the fourth quarter of 2025. (photo-side callout in the article) Total residential including outstanding loans grew for nine straight quarters to $186.6 billion. Such loans include secured car loans, and other unsecured loans like education loans, overdrafts and renovation loans. Car loans and other unsecured loans drove the increase in personal loans in the first quarter. A separate quarterly report from Credit Bureau Singapore showed that home owners in the 21 to 29 age group had the highest average real estate loan balances of $523,199 in the first quarter of 2026, but one of the lowest delinquency rates of 0.14 per cent. The report also showed that average [motor vehicle] loan balances were highest among those aged 50 to 54 (shown as $64,633 in the infographic), while those aged 21 to 29 had the highest delinquency rate (shown as 0.51 per cent) despite having the lowest average balances (shown as $46,039). UNSECURED PERSONAL LOANS AND CREDIT CARD DEBT The situation for unsecured personal loans was more of a concern, with delinquency rates above 1 per cent. Meanwhile, unpaid credit and charge card bills grew at a slower pace of 6.8 per cent in the first quarter, from 6.9 per cent growth. DEBT GROWTH CONTAINED Still, SingStat figures indicate that the debt situation remains broadly stable for now. Despite household liabilities as a percentage of personal disposable income rising 0.5 percentage point to 107.9 per cent in the first quarter of 2026, this remains below the 10-year historical average of 132 per cent. BMI’s Lee noted that despite the rise in borrowing, liabilities account for just 11 per cent of household assets in the first quarter of 2026, broadly in line with around 10 per cent throughout 2025. She added that Singapore’s reliance on macroprudential measures such as the total debt servicing ratio (TDSR) and loan-to-value (LTV) limits ensure that additional borrowing remains prudent and sustainable. TDSR caps a borrower’s total debt obligations to no more than 55 per cent of their gross monthly income, while LTV limits cap the maximum amount a borrower can take for secured loans, typically at a percentage of the asset’s value. Unsecured loans, like credit card debt and personal loans, do not use LTV because there is no underlying asset to value. Instead, MAS caps a borrower’s total unsecured credit to 12 times that individual’s monthly income. Given the safeguards in place, Lee said the recent pick-up in liabilities growth is more likely to be driven by wealthier households who have strong cash reserves. The debt build-up does not reflect a rise in financial vulnerability across the population, she added. Household borrowing picks up pace in Q1 GROWTH IN HOUSEHOLD NET WORTH, ASSETS AND LIABILITIES (% year-on-year percentage change) - Liabilities: 8.2% - Assets: 6.8% - Household net worth: 6.7% Other charts shown: - Average real estate loan balances + Delinquency rate (%) - Average motor vehicle loan balances + Delinquency rate (%) - Average unsecured personal loan balances + Delinquency rate (%) - Average unsecured credit card balances + Delinquency rate (%) Note: “Delinquency rate is the percentage of loans that are more than 30 days overdue.” Sources): Department of Statistics; Credit Bureau Singapore; Sunday Times Graphics. +++ Source & Credit:

DIY House-Hunting Feng Shui Kit DIY House-Hunting Feng Shui Kit: “Should I Buy This Home?” Checklist - FAQ: Home Feng Shui / Cannot Cannot Buy / Baby Name / Auspicious Dates - FengShui.Geomancy.Net

The Auspicious Date Report will flag out days that are within the lunar 7th month. 13th August to 10th September 2026. : : :

Good morning, Master Lee, Yes I received the files. Thank you. Really a big chunk of info to digest and not familiar with the bazi linggo...look forward to the "class" on sat

The comments are subjective Source & Credit: Calling out to all designers who do public works and to the MPs who bother to check. Bus stop seats dont make so slanted. I know the purpose may be not to encourage people put things on top but people are educated lah. We just want to put our food on them to rest our hands when no one else need the seats. Who wants to put edible stuff on the floor? Your clients and MPs? Im sure they don't want too. You made the seats so slant nothing can stay there, even our butts, for long. But dont come dismantle n redo again. You had just recently done it only when the residents were asking among ourselves what was wrong with the old ones which worked perfectly fine. Bus stop outside Blk 102 Boon Keng MRT.

Clear results to reduce choking at PWCSSource & Credit: Source & Credit:

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Bukit Batok West Plains

On 7th June 2026

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Year 2026 Please note that Chinese 7th Month starts on 13th August to 10th September 2026.

Hi Cecil, may I ask, is it Is it okay to purchase and start renovation on 7th lunar month? From a Chinese custom, since it is not physical delivery or entry generally no issue.