The_King

now can cause kidney disorder

i interested in saving $$$$$$$$$$$$$

There are some bad spending habits that the rich people avoid and that unfortunately poor people and middle-class people have. This is Tom Corley, I am the researcher behind the rich habits study. The rich habits study is really a five-year study of 233 millionaires, 128 poor people, and what I found out was that wealth, success, being in the middle class, being poor, is all about your habits. Emotional purchases. These are "oh I love that beautiful red dress or that cute sports car" and you make this emotional purchase and often times it causes you to go into debt if they're a big purchase but if not then you are depleting your savings account your checking account. Spontaneous purchases are also a poor habit. That's something the rich avoid, well, this is the very reason why at the checkout counters they have all of these goodies for people to buy. The retailer's know that the human brain works off of impulse many times and they'll make this spontaneous purchase and they add up and they could really cause a lot of damage. That leads to the last one which is living below your means. You want to spend modestly. One of the smartest things you can do is to purchase a modest house in a modest neighborhood. This means you're not only going to have a lower mortgage, you are going to have lower real estate taxes, you're going to have lower utility cost, lower home repairs. One good decision like that and it has a ripple effect throughout your spending. So those are a couple of the bad habits to avoid. video here: https://www.businessinsider.com/personal-finance/bad-spending-habits-rich-people-avoid-2017-11

The Department of Health (DOH) announced the detection of the first case of the Lambda variant of COVID-19 in the Philippines on Sunday, August 15. In a statement, the DOH said the case was a 35-year-old female. She was asymptomatic and tagged as recovered after undergoing a 10-day isolation period. Authorities are verifying whether she is a local or a returning overseas Filipino (ROF). The DOH is also conducting tracing and case investigation. The Lambda variant was first documented in Peru in late 2020, and was classified as a variant of interest by the World Health Organization last June 14. The variant "has the potential to affect the transmissibility of SARS-CoV-2 and is currently being monitored for its possible clinical significance," said the DOH. 182 more Delta variant cases The DOH also announced that 182 more cases of the Delta variant have been detected from its latest batch of whole genome sequencing. This brings the total number of Delta variant cases in the Philippines to 807. Of the 182 new cases, 176 cases have been tagged as recovered, one is still an active case, four have died, and one is still being verified. Then, among the new batch, 112 are local cases and 36 are ROFs, while the origins of 34 cases are being validated. Advertisement The 112 local cases had indicated addresses in the following regions: National Capital Region – 42 Central Luzon – 36 Calabarzon – 8 Mimaropa – 6 Northern Mindanao – 6 Central Visayas – 4 Davao Region – 3 Caraga – 3 Western Visayas – 2 Cordillera Administrative Region – 1 Bangsamoro Autonomous Region in Muslim Mindanao – 1 Meanwhile, two cases tagged as Delta variant cases from NCR on August 4 were actually Beta variant cases after further verification. In addition, the DOH reported 41 new cases of the Alpha variant, 66 more cases of the Beta variant, and 40 cases of the P.3 variant. These raise the total number of Alpha variants in the country to 2,232, and the Beta variant to 2,483. – Rappler.com

http://www.mybezza.live/watch/52391.1#466

Paging @The_King

Prime Minister Muhyiddin Yassin will tender his resignation to the Yang di-Pertuan Agong tomorrow. Muhyiddin conveyed his decision when he met Bersatu MPs at the Perikatan Nasional (PN) headquarters this morning, according to Minister in the Prime Minister's Department (Special Functions) Mohd Redzuan Md Yusof. "We just finished the meeting. Tomorrow, there will be a special cabinet meeting. After that, he will head to Istana Negara to submit his resignation," Redzuan told Malaysiakini. Redzuan said Muhyiddin informed the MPs that he had exhausted all avenues to sustaining his administration and resigning was the last resort. https://www.malaysiakini.com/news/587251

Expensive and quality not good. My suggestion is go to the durian plantation to eat, you know the different

Singapore, 24 June 2021… The Monetary Authority of Singapore (MAS), together with the Association of Banks in Singapore (ABS) and the Finance Houses Association of Singapore (FHAS), today announced an extension of the existing industry-wide support measures [1] for individuals and Small and Medium-sized Enterprises (SMEs) in Tier 1 and 2 sectors [2] that continue to face financial difficulties due to the COVID-19 pandemic. 2. The industry-wide support measures introduced in 2020 have helped ease the financial strain of borrowers impacted by the pandemic. With the gradual opening up of economic activities, most borrowers have been able to resume loan repayments. However, as the COVID-19 restrictions have impacted borrowers unevenly, the extension is targeted at those individuals and businesses who continue to experience cashflow difficulties, by giving them additional time to transition to full loan instalment repayments. 3. The extension of support measures for individuals and SMEs is summarised below: Objectives Extension of Support Measures for Individuals [3] Ease cashflow and reduce debt for individuals who have sustained recent income/employment impact The application window for the following support measures will be extended from 30 June 2021 to 30 September 2021: Property Loans: Reduced instalment repayment plans pegged at 60% of borrowers’ monthly instalment until 31 December 2021. A loan tenure extension of up to 3 years can also be discussed with lenders. Unsecured Revolving Credit Facilities: Convert outstanding balances to term loans at a reduced interest rate. Debt Consolidation Plans: Extend loan tenures by up to 5 years. Renovation and Student Loans: Extend loan tenures by up to 3 years. Eligibility Criteria Opt-in basis for borrowers who can provide proof of income impact and with loan repayments that are not more than 90 days past due. [4] Objectives Extension of Support Measures for SMEs [5] Ease cashflow for Tier 1 and 2 SMEs that have sustained recent revenue impact The application window for the Extended Support Scheme – Standardised (ESS-S) will be extended from 30 June 2021 to 30 September 2021 for eligible SMEs in Tier 1 and 2 sectors. SMEs in Tier 1 and 2 sectors that are currently participating in the ESS-S may opt to defer 80% of principal payments on their secured loans granted by banks or finance companies, as well as loans granted under Enterprise Singapore’s (ESG) Enhanced Working Capital Loan Scheme and Temporary Bridging Loan Programme for an extended period till 30 September 2021. SMEs in Tier 1 and 2 sectors that have not participated in the ESS-S can also apply to their lenders to defer 80% of principal payments till 30 September 2021. Eligibility Criteria Opt-in basis for borrowers who do not have loan repayments that are more than 30 days past due. Borrowers whose loans are already granted partial principal moratorium, should not have overdue payments on those loans. Facilitate restructuring of SMEs’ loans The application window for the Extended Support Scheme – Customised (ESS-C) will be extended from 30 June 2021 to 31 December 2021. SMEs with more than one lender may approach any of their lenders to assess if they would benefit from a multi-lender restructuring programme. Eligibility Criteria All SMEs with multiple creditors that do not qualify for other restructuring programmes, such as the Simplified Insolvency Programme, and Sole Proprietors & Partnerships Scheme. 4. This is expected to be the final extension of the industry-wide support measures. Borrowers who are unlikely to be able to resume full loan instalment repayments by the end of the relief periods should approach their lenders early to work out longer term repayment solutions. After the industry-wide support measures expire, lenders will continue to offer relief and restructuring options for borrowers facing cashflow challenges based on their specific circumstances. Borrowers who are able to resume full loan repayments should do so to avoid unnecessary debt accumulation. 5. Mr Ravi Menon, Managing Director of MAS said, “The industry-wide support measures introduced by MAS and the financial industry last year have helped borrowers affected by COVID-19 restrictions. This final extension will provide support for remaining borrowers still affected by the restrictions. With continued economic recovery and transition to an endemic COVID-19 situation, loan repayments must start normalising so as to minimise debt accumulation. We must pivot away from industry-wide credit reliefs to more selective support measures tailored to individual borrowers’ circumstances.” 6. Mr Wee Ee Cheong, Chairman of the ABS said, “While the economic outlook has improved, recovery continues to be uneven across sectors and recent developments have led to some individuals and SMEs requiring further financial support. ABS and banks in Singapore will continue to stand by our customers through this time of need. Working closely with MAS, we will extend the ESS measures and engage customers to facilitate a smooth and progressive transition out of these relief programmes. We will also provide other targeted assistance and restructuring solutions to customers as appropriate.” 7. Mr Ang Tang Chor, Chairman of the FHAS, said, “Economic recovery towards a new normal is underway, underpinned by substantial fiscal stimulus as well as successful rollout of vaccination programmes. However, some individuals and SMEs may take a longer time to recover from the impact of the pandemic. Together with MAS, the finance companies in Singapore are committed to rendering further cash flow assistance to such borrowers via an extension of the support measures. The extension will ease their cashflow pressures and provide more time for borrowers to discuss suitable repayment options with their financiers.” https://www.mas.gov.sg/news/media-releases/2021/mas-and-financial-industry-further-extend-support-measures-for-individuals-and-smes-in-tier-1-and-2-sectors

Nice look yummy

A sexual wellness brand wants to normalize female sexuality, and that’s a cause that has us quivering with excitement. The Poet, Smile Makers’ newest stimulator, is a rosebud-inspired air pulse stimulator now available at pharmacies and Isetan Scotts shopping mall for S$169 (US$124). Forget one-size-fits-all, this clitoral-targeted gadget comes in different shapes and sizes catered to all. “Based on insights from our community and knowing what was available on the market, we’ve created a product that caters for the fact that all clitorises are different. Not only in size, but also in sensitivities and pleasure preferences, which is why our product enables the user to create their own experience. They’re the ones in charge.” Smile Makers’ Cecile Gasnault said in a news release. The pleasure toy is equipped with touch sensors that let users adjust the intensity of stimulation, noise levels and browse a selection of modes. It also comes with information about the clitoris and tips on how to enjoy the product to its fullest. According to the FemTech brand, 60% of women globally prefer clitoral stimulation from a survey of more than 780,000 women, and 62% of Singaporean women want vibrators in retail stores instead of only sex shops. The company said it worked with gynecologists and experimented with suction technology to absolutely guarantee women their devices pulsate with the most air for maximum possible bliss. The Poet is now available online and in mainstream retailers such as Watsons, Guardian, Motherswork, and Isetan Scotts.

As Philippine President Rodrigo Duterte rushes to fulfil his pre-election promise to build a railway for Mindanao island, reality is beginning to bite. Duterte is five years into his six-year term, yet the 83 billion pesos (US$1.64 billion) he claimed China would lend him to build the first phase of the railway is yet to materialise. Also yet to appear is most of the US$9 billion of official development assistance (ODA) and the US$15 billion in foreign direct investment (FDI) that – according to Duterte at least – Chinese companies had pledged towards his Build, Build, Build domestic infrastructure campaign. Analysts have suggested various reasons why Chinese promises might have fizzled out, from the slow process of getting projects approved in the Philippines to increasing caution by Chinese investors. Less charitable observers have suggested Duterte himself should shoulder some of the blame. Some see him as China’s tuta (“lapdog”); others suggest he might simply have exaggerated the support for his projects. “I think he’s more like a highway bandit who knows what he wants and is willing to sell whatever it takes to get it,” said Filipino political economist Alvin Camba. “Many of Duterte’s promises including the Mindanao railway are simply publicity stunts,” he said, having come to the conclusion after talking to several of the players in some of the projects. Philippine and Chinese officials at the groundbreaking ceremony of the Kaliwa Dam project in Rizal Province. File photo “The pledges [of US$9 billion in ODA and US$15 billion in FDI] did not come from the Chinese government. The pledges came from different sources in China, which were aggregated by the Duterte government to make it appear like one big deal,” said Camba, who teaches at the University of Denver’s Josef Korbel School of International Studies. It used to be relatively easy for the public to check on the status of Duterte’s Build, Build, Build flagship projects as they could be tracked on the dedicated website, build.gov.ph. But the site has been abandoned, even as the number of projects continues to grow. There were originally 55 projects, but this rose to 75 in 2017, then to 100 in 2019 and even in 2020 amid the coronavirus pandemic the government added four more, taking the total to 104. Boosting the number of projects was “a way to help stimulate the economy, keep construction jobs, and catch up on delayed targets,” said Lucio Blanco Pitlo III, a research fellow at the Asia-Pacific Pathways to Progress Foundation. But it was also a way for the government to showcase its “accomplishments”, he said. Camba agreed. “Yes, it is to simply show that they are doing more,” he said. Camba said many of the Build, Build, Build projects that had already been built “were either started by the previous administration, doable due to the nature of the project, or politically meaningful to the administration”. Protesters give Philippine President Rodrigo Duterte a symbolic goodbye in Manila. Photo: EPA Critics say Duterte took a grab-bag of miscellaneous projects and marketed them under the umbrella of the Build, Build, Build project to make him appear more successful than he really was. They say this became apparent during a July 28 presentation by Transport Secretary Arthur Tugade at the presidential palace, when he rattled off a list of infrastructure accomplishments. Among these he included two railway stops for the Mindanao railway that he said would be partially operational by March next year (coinciding with the 2022 election campaign period) and the Philippine coastguard’s acquisition of a 94-metre Multi-Role Response Vessel. While the coastguard falls under Tugade’s department, the vessel had never been listed as a Build, Build, Build project. Another way of gauging the success of the Build, Build, Build programme would be to consider the amount of funds actually covered by signed loan contracts. The Department of Finance said on August 10 that the government had already “contracted” US$7.95 billion in bilateral ODA, mostly for the Build, Build, Build project. Japan accounted for US$6.12 billion – nearly 80 per cent – of this. The department did not say how much China accounted for. The department has, however, uploaded on its website five contracts signed by the government with Chinese banks totalling US$1.58 billion – still more than US$7 billion short of the promised US$9 billion. The Export-Import Bank of China has extended US$830 million worth of loans to four projects: US$62.09 million for the Chico River Pump Irrigation project; US$211.21 million for the New Centennial Water Source or Kaliwa Dam project; US$219.78 million for a project management consultancy on the Philippine National Railways South Long Haul project; and US$337 million for the Safe Philippines Project signed last June 17, to install high-definition, advanced closed-circuit television cameras on public roads. The biggest loan amount, of US$750 million for the coronavirus pandemic response, came from the Asian Infrastructure Investment Bank last June. Philippine President Rodrigo Duterte said in 2016 that he “loves” China’s President Xi Jinping. Photo: AP Why the shortfall? Analysts say there are various reasons for the lending shortfall, which comes despite Duterte’s best efforts to court China – such as his giddy profession in 2016 that he “loves” Chinese President Xi Jinping . Pitlo said project approvals had slowed and been delayed because China reorganised many of the agencies under its top organ of state power, the State Council, as it set up its own aid agency in 2018. Reforms were introduced particularly to “the powerful National Development and Reform Commission which has a big impact on Belt and Road infrastructure projects abroad.” Pitlo said the reforms included “more stringent due diligence to ensure Chinese capital goes to viable projects and only capable contractors get to take part in China-backed projects abroad, especially under its flagship Belt and Road connectivity initiative”. The reorganisation affected Duterte’s showcase Mindanao railway project, with Chinese officials asking for feasibility, market studies and the project design before approving any loan contracts. Assistant Secretary for Transport Eymard Eje acknowledged as much last February when he told reporters it was “painful” to admit the project had been delayed “due to documents being required from us by our counterparts”. Camba said only two projects – the Kaliwa Dam and Chico River Pump Irrigation – were likely to be completed during Duterte’s presidency. As for the rest of the unfinished China-backed projects, Pitlo said he worried “about the continuity of projects given the coming elections next year”. Unfinished business Pitlo said China might feel burnt from past projects that were abandoned when new governments came into power. “Chinese projects, notably the National Broadband project, during the time of former president Gloria Macapagal Arroyo, for instance, were discontinued when her successor, the late president Benigno Aquino III took over.” Camba said it was “hard to say” what would happen to the current crop of unfinished projects. “I think the projects that are about to be finished will not be discontinued unless there are major issues that emerge. But the newly signed Chinese deals are vulnerable if the [next] government is anti-China.” The New Centennial Water Source Project is aimed at providing water security to Manila. Photo: Handout He warned that even finished projects had the potential to cause a headache for China if they came to be seen in a negative light. He gave the example of the irrigation and dam projects, which had displaced local communities. He blamed the “disregard for social and environmental standards” on the Duterte administration, saying it had deliberately chosen Chinese partners “to expedite” proceedings because Japanese partners “would have demanded more stringent social and environmental standards, [which] would have delayed both projects”. However, the result threatened to fuel anti-Chinese sentiments that would “have adverse long-term consequences”. He suggested that China and Chinese firms “should insist on thorough environmental, social, and other impact assessments” in future projects. In a paper published by the Global Development Policy Center of Boston University, Camba wrote that Duterte had given up “the South China Sea in exchange for better relations with the Chinese state and increased access to its capital”. Camba now suggests whether China can rely on that deal is an open question. Camba pointed out that Duterte had resisted pressure from the Chinese government to crack down on online gambling “until the last minute”. Said Camba: “Duterte will ‘turn’ against China when it’s convenient.”

Singapore’s DBS Bank brokerage affiliate announced it has received compliance in-principle from the Monetary Authority of Singapore (MAS) to begin offering crypto services to asset managers and companies. DBS Vickers (DBSV) received the go-ahead from the country’s financial regulator under the country’s Payment Services Act. In 2019, Singapore passed its payment act, requiring all-digital payment service providers to get their license in order to operate. When the license is granted, DBSV said it will be able to directly support managers and companies via its DBS Digital Exchange (DDex), where they will gain access to its digital payment token services. According to the press release, DDEx will operate “round-the-clock.” This means that DDEx’s members will be able to trade on the exchange at any time, enhancing their ability to seize opportunities and manage risks arising from changes in cryptocurrency spot prices. The exchange first operated only during Asian trading hours to allow for processes and protocols to be finetuned. DBSV said it is one of the first few financial institutions to obtain such approval, adding that it intends to work through the necessary follow-ups with a view towards meeting MAS’ requirements for a license. It follows on from DBS having issued an SGD$15 million (US$11.3 million) digital bond in its first security token offering via DDex, which was completed by way of a private placement in May. Eng-Kwok Seat Moey, Group Head of Capital Markets at DBS, said the bank is “pleased to have made steady progress on our digital asset ecosystem in the six months since we launched the DDEx last year, and this shows in our trading and custody activity.” He admitted there is a huge interest among asset managers and corporates for access to digital payment token services, and with DBSV receiving in-principle approval under the PS Act, the company is ready to meet this growing demand. Further plans, according to the announcement, include accelerating growth for DDEx by doubling its investor base by the end of the year. Southeast Asia’s largest lender recently announced that its digital exchange did as much as SGD$180 million (US$133 million) of trading in the second quarter of 2021 and that it held about SGD$130 to SGD$140 million of digital assets under custody.

SINGAPORE — A home-based bakery has been prohibited from distributing and selling food after 15 people reported gastroenteritis symptoms from having consumed food that it had prepared. In a joint news release on Friday (Aug 13), the Ministry of Health (MOH) and Singapore Food Agency (SFA) said that they were investigating the incident involving The Peachy Sugarmaker. “Nine cases have been hospitalised and are in stable condition,” they added. A check online showed that the home-based business sells pastries and cakes. The 15 people reported having gastroenteritis symptoms after consuming the food on Aug 5 and 7. Gastroenteritis, commonly associated with food poisoning or “stomach flu”, is the inflammation of the stomach or the intestines, with sufferers having symptoms of diarrhoea and vomiting. “In view of the suspected ongoing transmission, SFA has prohibited the distribution and sale of food prepared by The Peachy Sugarmaker with effect from Aug 13 until further notice,” both agencies said. They stressed that food safety is a joint responsibility. “SFA would like to remind food operators, including home-based businesses, to observe good food and personal hygiene practices at all times. "SFA will not hesitate to take firm action against anyone found to be in violation of the Sale of Food Act or the Environmental Public Health Act, or both.” Read more at https://www.todayonline.com/singapore/9-people-hospitalised-after-eating-food-home-based-bakery-peachy-sugarmaker

Watching the world burn

Today wait for your food