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I can't see the DOB factor played any significant role.

A subjective question, many factors involve. - If CASH is needed to fund the loan, the standard advisable max 35% of disposal income applies. However, there are many 'hidden annual payables' and 'hidden half-yearly payable' which you need to apportion to monthly-based, to get this 35%. These payables include,but not limited to, personal income taxation, property tax, insurance premiums/riders, etc & etc. These payables, i'm talking about are in CASH mode,not cpf. Further more, the taxation payable is quite variable over time. Insurance needs also change over time. - Over time, family structure changes - children, education fees, medical, etc & etc - Wise to plan towards mortgage loan full redemption by age of 50~55. If you are now at 30, you have to planned to get whatever loans settled within 20 years. - You may google about 'personal wealth management' to have broad concept of what sorts of 'options' you could face when time, in various stages of life, is up. - Always to have 4 broad asset classes in mind while doing financial planning and making decisions - Property, Cash/FDs, Insurance, stocks. Welcome any queries.

So, with my 3 replies combine as one: - 'Luck' happen only when the preparation meet the opportunities. - Preparation is controllable that involve KSA which takes 'time'. - Some opportunities can be created. - Opportunities often appear as 'nothing' in eyes of he who possess not competent, but 'something' to less competent, a 'big thing' to those who are competent. - As Chinese saying goes : 先知先觉 -智者, 后知后觉 - 愚者，不知不觉 - 寲者。 先知先觉是天聪，后知后觉是迟钝，不知不觉是麻木。 先知先觉智慧者，后知后觉明白人，不知不觉糊涂人。 先知先觉为智者，后知后觉为勇者，不知不觉为弱者。 先知先觉是上策，后知后觉是中策，不知不觉是下策。 先知先觉是天聪，后知后觉是迟钝，不知不觉是麻木。 先知先觉者成功，后知后觉者落后，不知不觉者失败。 先知先觉先赚钱，后知后觉后赚钱，不知不觉不赚钱。 先知先觉者早熟，后知后觉者晚熟， 不知不觉者不成熟。 先知先觉者吃肉，后知后觉者啃骨头，不知不觉者喝西北风。 先知先觉是创造者，后知后觉是经营者，不知不觉是消费者。 先知先觉为发明家，后知后觉为宣传家，不知不觉为实干家。 先知先觉改变一生，后知后觉遗憾一生，不知不觉荒废一生。 先知先觉创造机会，后知后觉者抓住机会，不知不觉者失去机会。 成功的概率上说，先知先觉者50%，后知后觉者99%，不知不觉者0.01%。 面对新机会，5%的人先知先觉，80%的人后知后觉者，15%的人不知不觉。 So, what is the 'impact' of 'time' onto events about to happen ?

You can google the movie-version and historical-version of 雍正 and 康熙. I believed more that 康熙 must have read the KSA of 雍正 thus made the decision. From 雍正's performance, he must have possessed the KSA to have these results. Notes: In reality, KSA needs 'authority/power' to get things done in his ways.

Competency is a 'big' word that consist of KSA - Knowledge, Skills (experience), Attitude. Many people, including myself (once), don't really understand its meaning. I had written an academic article on 'competency and its significance with career performance'. Then, I had a deeper understanding.... Knowledge - is 'dead', can be acquired through many ways (school, book, observation, communication.....etc), w/o application then store in 'memory'. Skills(Experience) - The application of 'knowledge' - the 'hand-on', trial and error...... Attitude - is the action/behaviour that combine ones' knowledge, skills, perception, values and environment setting. It is a decision making that combines all these. 'Sound judgements' with actions combine KSA that often 'make things happen', less competent ppls often miss 'opportunities' with no option but to 'wait for things to happen'. KSA is not expressed in 'paper' but 'results'. Paper expresses only the most - 'knowledge' in this modern society, so as to speak. Note: we 're not talking about 'isolated' cases who accidentally strike it 'big' - easy come will easy go, am sure.

'Time' definitely involves in a 'process' on earth, at least, otherwise the 'process' is defined as indifferent from a miracle which, to me, is the result of supernatural. 十天干与十二地支 combination is the unique Chinese numbering system that used to express 'time' and other numerical-associate. In 'time' expression, the system move 'time' in present's '2 hour' till 60 years, then 'repeat'. This is a fact. However, i strongly believed that many DOB-related 算命术 strong beholders don't even know what the basic 十天干与十二地支are, not to mention their combination and the 60-year-recycle characteristics. The more 'interesting' is I completely loss how the 甲 being 'attached' to as 阳，木，东, and 子 being refered to as 0°(north),winter,11pm to 1am so on and so forth. 我只知其然，而不知其所以然． Just wish to cast thinking that how can a numbering system just simply be linked to YinYang,Wuxing, direction & timing? Can any Bazi beholders enlighten me?

Well said. Perhaps due to my postings, many has said I'm not a FS believer, on contrary. I firmly acknowledged the significance impact of law of nature on one's 'ming'. Understanding and putting these into daily life (blend) help to go to a 'better finger mountain'. I don't deny there are other sets of laws (actual not laws, should call rules - created by human and is subjective) of games that dictate one's 'ming'. Like politics, technology, cultures, legal, finance,........., etc, however, these rules are often 'subjective, not absolute' and I don't regard these as FS. I shall call these as human-rules. W/o saying,understanding and 'blending well' with such rules are equally important as to 'ming'. Supernatural forces otherwise. What has DOB got to do with these?

Am sure 99% of ppls define 'Ming' as the summation of processes that ones encounter, since birth till return to dust. Some writers here have commented that BZ/ZWDS.....etc are very 'chun' methodologies that 'see' one's past, present & future processes. The fundamental fore-assumption of these methodologies is; 'ming',or all the processes, is written in 3,4,5...n 'pillars',or simply put: formula of ming is in the D.O.B . What do you think? Believed no one would dispute that all the processes are results of ones' decision makings cum uncontrollable 'things' (we call environment)happen at that point of time during a single event. Mathematically expressed: single event = one's decision makings (free will ?)+ environment (planned?). That single event would trigger another decision makings and processes, so on and so forth. Worth mentioning is there always multiples events happen at same time/period that impulse ones to make decisions and actions, whether or not to understand/consider the impacts of the environment. We all know that decision makings and actions are result of one's competency (knowledge, skills, experience) and ones' consideration of external influences (or pressures from society, human, PESTEL....,etc ). These external influences are very dynamic and changing all the time. I write so much just wish to cast some thinking: 1. What has DOB to do with the external environment/influences? As these environment/influences dictate our 'ming' processes. 2. What has DOB to do with the competency that build over time? As competency decides our decision making model. 3. Childhood moulds, one way or another, the adulthoods' 'ming' processes. Most decision makings during childhood depend on parents or grandparents' hands. What has DOB to do with the parents or grandparents' decision makings? What do you think?

Allow my little brain to 'think out of the box'. The main issue concerns each defines 命 differently, that results in various arguments. - If 命 is pre-determined (eg, allowed only live within 如来's 五指山). 命 is a set, FS is only a 'sub-set' within this set. So FS would direct one to live in either one of the 'finger mountain'. This 'finger mountain' perhaps is 'better' than other finger mountains, that's all. FS still applies. The biggest question is WHO determine ones' 命 ?.under this context of definition. The Chinese always say it is the '天＇, some say it is 'God'. They refer to the same thing, to me. Only the 'description' differs. - If 命 is not pre-determined (as the saying goes 人定胜天）, then FS also makes sense to exist, as a tool directs towards a better life. However, do forget one fundamental thing - who governs these rules of natures? Why must a human being, live in the planet 'follow' these rules? These rules are 'setup' by chances ? I'm not talking about the human rules, the cultures....,etc - Even achieved a better life, so what? From dust will be returned to dust, why chase after the wind?. With much wisdom comes much sorrow . The eternity is the most concern.

This concerns metaphysics which you could not find an answer but one has to trust his 'faith'. - Monkey Sun can go travel anyway he likes, but he can only travel within 如来's five fingers. - Mankind has 'free will' to make any choice, but he can't God's plan for him. 命 is defined as 'eventual outcome'- which make up of a series of events. These events intertwined each and these are 'interdependence' and has been 'planned' in the very beginning. So, FS is merely a tool, from one perspective, for making lives 'better', smoother or less obstacles in the process of life. Mankind has been trying ways and means to 'unlock' 命 so as to read his 命 in advance. And try to change his 命. Can they know and 'change' their 命? It is a yes and no answer. We change things to change our 命 - one perspective, the answer is yes. From a '命predetermined' perspective, the answer is no. You'll live within the '5 fingers' no matter how good your 'jumping skill' is. I more tend to believe the latter.

Business improves within a week?. Account Receivable got improved? APs got successfully extended? So less worry? Sales revenue shot up 3 digits, wow? yoy? No cashflows/working capital issues? What's your friend doing? Trader? Service? OEM?System integrator? Hawker? CAN PERFORMANCE OF BUSINESS BE CONCLUDED WITHIN A WEEK??? WHAT KIND OF BUSINESS ? Did something to the house?? Then business improve?? Care to elaborate further how these are linked together?

FS concerns 'balance' or 'equivalence', visible and invisible, tangible and intangible, among all things, within the environment where one exists. Environment is constantly changing as we knows - tech, laws, tastes, culture, social constructs, etc... From business sense, for an entity to be able to survive, it has to have 'values' creating demand for revenue-therefore marketing, location selection, branding, market positioning, sales strategies come in. Working capital for cash in/out flows has to be properly managed. If not enough capital,then financing and cost of capital management take place. Material, overheads, labour also come into the pricing equation. Not to mention business ethics, corporate government and corporate social responsibilities topics. Can a fsm has these entailed skills/experience....to run fs shop as a business? Or simply by his DOB/bazi with the look-simple yet complex theories of YY, NESW, Stem-branch drawing conclusion the business is sure 'sustainable' ? Competency or DOB a more 'surer' way to success?

Edited

Things get repeated in 'cycles' When one cycle completes = 气数已尽 A man on earth can have how many '20 years cycle'? Every 20 years change residential place? Seok arh? Like Mongolians? FS shop business is indifferent from any profit-making entities, once formed, either up or down, finally closed. 1 month?, 1 year?, 100yrs? ....finally closed. This is not 天机 but common sense. FS shops must be 'forever green' implying founders tokong?

Simple. 气数已尽. FS is not 'crystal ball'

医者不能自医,为什么？ Cardiology cannot prevent himself from suffering heart problem. This does not equate he is no good at his profession.

Believed you should have known who was 蒋大鸿. since you studied XKFX. You should have known all the critics about his theories by his follow peers The '20 year cycle' theory is very questionable. The actual 4 pillars for human already so different to be certain mainly due to re-classification of time zones, not mentioned these days' D.O.B for buildings. You use 蒋大鸿's invented Luopan?

While in course of pursuing for the 'better', often face 'many options'. The 'mind' gets unrest. It is the moment to follow your 'heart'.

Anywhere and everywhere got fs implications as long as human existence is concerned. Wuxing implications are not those what water and heater.....

Any catch? No one bothers? Want to master 九天玄女's 真传？What's so good?From heaven to earth and one era to another, 面目全非． 孙子's 13 chapters so special meh? The strategies very 'dirty' you know in westerners' eyes.？Japanese's black/white ninja originate from the martial philosophy. No ethics, no corporate governance and no corporate social responsibility concepts. All about kill! kill! kill! and survive, then? Return to dust eventually. Joey Yap is indifferent from an ordinary lecture speaker. For sure, he knows what is packaging for eye catching (like any restaurant front), market positioning and segmentation with product/service diversification yet stay within core.....Definitely he masters the human herding behavioural knowledge and skills.

XKFS is 江湖风水.上梁不正下梁歪 方的 can be manipulated as 圆的 Again, all the numbers, grids, directions and stars. Round & round and round, like a merry-go-round.

Free lunch often turns out to be painful, and/or with 'memorable' experience. Go north pole, look up the sky, try identify the Zi Wei Enclosure, see if you locate yourself within the Enclosure. I'm sure it will be a memorable experience, if you understand what is Zi Wei Enclosure. If you couldn't locate yourself within the Enclosure, don't be disheartened. Simply, nobody is up in the star Enclosure. So, why letting opportunity for 'free lunch giver' 'telling' you that hey, you were born in palace, hands holding xxxx stars, foot with 7 stars......I'm sure this experience would be painful to you and memorable too.

Information is one of the five power sources. Internet/webs is a convenient means for acquiring this power. The hopeful intended power could eventually become 'powder', believed everyone here has the experience. Believe everyone here knows: - Don't judge a book by cover - a nice looking restaurant doesn't guaranteed good food with reasonable price So, what's the issue here? - Don't access fs webs? - With cares? That goes w/o saying!

If toilet facing issue is really so get on your nerve, do away the toilet lah, then no facing issue. But soon you'll realise the asshole always 'looking for the toilet', for ? And if asshole couldn't discharge whatever natural calls, all your systems malfunction. Then there will be no FS issue. Don't trouble the trouble you when you have no troubles. Wherever there is restaurant, sure there is a kitchen. If you 'see through' this logic, you won't care anymore the facing of toilet door. Privacy is completely another issue - nothing to do with fs.

Apologise for my 'powderful' angmoh. These tragedies could have been avoided, if not for the 'peer pressure', 'social culture', 'knowledge ignorance', 'sword effects'..... The 'sword' acts its power on 'peer pressure' and 'social culture' for community behavioural conformance. Chinese often say: - 人在江湖身不由己, true? community behavioural conformance is the 'culprit'. Recognition, acceptance...'hero' die first and fast. FSMs know this super well. - 另可信其有不可信其无, true? Kiasu? Behavioural herding without seeking the truth. 'Many people do it, i can do it' mentality.FSMs 'pull the noses'... - 宁可杀错 不可放过, true? Take & take & take resources and never consume, who suffer at end of the day? Who would suffer by taking in the 'sword effects'? Or who'll benefit by spreading sword effects?