Articles
Plain-language articles on Singapore property, BaZi, feng shui, Zi Wei Dou Shu, Reiki and radiesthesia.
Property · Retirement · BaZi · Feng shui · Zi Wei Dou Shu · Reiki · Radiesthesia
Property
- Guide: Buy a home in Singapore without the financial stressFive steps and five free calculators.
- TDSR vs MSR explained: how Singapore limits your home loanTDSR caps all your debts at 55% of income; MSR caps an HDB or EC loan at 30%. What each means, who it applies to, and a worked example.
- HDB loan vs bank loan in 2026: which should you choose?Compare the HDB loan (2.6%, 75% LTV) with a bank loan (75% LTV, 5% cash, floating rates): costs, flexibility, eligibility and who each suits.
Retirement
- Guide: Plan a calm retirement in SingaporeFour free CPF and income calculators.
- Is my CPF enough to retire in Singapore?What CPF LIFE pays at the Basic, Full and Enhanced Retirement Sums in 2026, how it compares with typical spending, and how to close the gap.
- Dividend income for retirement: how much do you need?How much capital you need for a dividend income in retirement, how to think about yield and risk, and how dividends fit with CPF LIFE. No stock picks.
BaZi
- Guide: Free BaZi calculator and Four Pillars of Destiny readingFree BaZi (八字) calculator using true solar terms. See your Day Master, five-element balance, Ten Gods, luck pillars and a 2027 month-by-month guide.
- How to read a BaZi chart: a step-by-step guideLearn to read your BaZi Four Pillars chart in six steps: find your Day Master, judge its strength, count the five elements, read the Ten Gods and luck pillars.
- The ten Day Masters in BaZi: what yours says about youJia, Yi, Bing, Ding, Wu, Ji, Geng, Xin, Ren and Gui: the ten BaZi Day Masters explained, with each one’s nature, strengths, blind spots and favourable habits.
Feng shui
- Guide: Feng shui Kua number calculator and Home Harmony scoreFind your Kua number and best directions with Eight Mansions feng shui (八宅). Score an HDB flat, condo or house for the whole family, with bed and desk tips.
- Feng shui for HDB flats and condos: a room-by-room guidePractical feng shui for Singapore HDB flats and condos: door, living room, kitchen, bedrooms, shelter and balcony, plus how to find your facing direction.
- Feng shui bedroom guide: bed position, mirrors and coloursFeng shui bedroom tips for small homes: where to put the bed, which way to face, mirrors, beams, colours by element, and calm children’s rooms.
Zi Wei Dou Shu
- Guide: Zi Wei Dou Shu chart calculator (Purple Star Astrology)Free Zi Wei Dou Shu (紫微斗数, Ziwei) chart: the 14 major stars across 12 palaces, the Four Transformations and decade periods, explained in plain English.
- The 12 palaces of Zi Wei Dou Shu explainedWhat each of the 12 Zi Wei Dou Shu palaces means, from Life to Parents, how opposite palaces work together, and where the Body palace fits.
- The 14 major stars of Zi Wei Dou ShuA plain-English guide to the 14 major stars of Zi Wei Dou Shu: Zi Wei, Tian Ji, Tai Yang, Wu Qu, Tian Tong, Lian Zhen, Tian Fu, Tai Yin, Tan Lang and more.
Reiki
- Guide: Reiki in Singapore: no-touch Reiki for your homeNo-touch Reiki by Usui Reiki Master Tan Yan Tong (陳衍通): Reiki space clearing on home visits in Singapore, 1–2 hours per session. In beta. Not medical care.
- Reiki levels explained: Level 1, 2, 3 and Reiki MasterWhat each Usui Reiki level teaches: Level 1 (Shoden) self-practice, Level 2 (Okuden) distance Reiki, Level 3 (Shinpiden) and Reiki Master.
- Reiki for relaxation: what the research saysAn honest look at Reiki research: what studies report about stress and relaxation, the limits of the evidence, and how to get the most from a calm session.
Radiesthesia
- Guide: Energy healing for your home: radiesthesia and no-touch ReikiEnergy healing for your home: radiesthesia (energy dowsing) and no-touch Reiki by Tan Yan Tong (陳衍通). Home visits in Singapore, now in beta.
- What is radiesthesia? Pendulum dowsing explainedRadiesthesia explained: where the word comes from, how pendulum dowsing is used to assess a home’s energy, what a session involves and what tests found.
- Radiesthesia and feng shui: harmonizing a home with bothHow radiesthesia and feng shui work together: Eight Mansions sets bed and desk directions; a pendulum assessment looks at each room. Home visits in Singapore.