The_King

i rather have 5k k in annual interest when i am in my 30s then i 50k in annual interest when i am 67 in my30s and 40s, i still can travel, ssrr hiking, etc....

https://www.straitstimes.com/business/invest/how-retiree-saved-over-16m-in-her-cpf A 67-year-old retiree holds a record of sorts that most of us would yearn for - she has more than $1.2 million in her Ordinary Account (OA) of the Central Provident Fund (CPF). If that's not impressive enough, she has another $400,000 in her Retirement Account and over $50,000 in her MediSave account. These savings allow her to enjoy close to $50,000 in annual interest from the CPF alone. The obvious million-dollar question is how she achieved such high savings. It is certainly no mean feat because Janet (not her real name) not only refunded all the money she had withdrawn from the CPF when she was younger, such as for a mortgage, she is still doing something that few retirees would consider - making further contributions. She is putting in the maximum allowed every year - $37,740 - even though she has been retired for about four years. Thanks to her own contributions, her Special Account, which was initially depleted after the funds were moved to the Retirement Account, has grown to over $15,000. In addition, she uses only cash savings for her expenses because she is keen to grow her CPF money further before she starts to draw down when she hits 70, as part of her long-term planning. Janet, who attached a photograph of her CPF statement in an e-mail as proof of her balances, shared her experience with Invest because she wants to inspire younger Singaporeans so that they can similarly plan for the same outcome. The key is to start monthly contributions as early as possible, because any monthly income above $6,000 will not be eligible for contribution. So such balances have to be gradually saved over three to four decades. "I have shown that it can be done," Janet wrote in her e-mail. She can easily withdraw over $30,000 of interest annually now without affecting her principal sums. She can also access a further $2,000 or more a month from her Retirement Account, but chooses not to do so until she is 70 so that the payout then will be higher. "I am not trying to show off or anything like that, but to reiterate the point that it is possible to accumulate your savings in CPF and achieve your million-dollar status even at age 55," she notes. "Like what they say, compounded interest is the eighth wonder of the world and this is particularly true in the case of CPF. This is especially so if you start working from age 25 and then save and grow the money there for the next 40 years."

since i BBFA, Eat then die also nvm

they need to watch my video

@socrates469bc please cum cream

Buy high : Bribes and kickbacks are NOT part of this business model. Buy low: Yeah, you really never built a business from the ground up, have you, pal?

heng i stop buying mouthwash few yr ago when i notice it did not keep my clean at all, even 1min of brushing offer better protection

dentist reveals common oral hygiene mistake: 'Stop doing it' Dr. Anna Peterson is a London-based dentist who told her 20,000 followers that “using mouthwash after brushing your teeth is going to give you tooth decay.” The TikTok has been watched almost 3 million times, with people seemingly more confused than ever in the comments. “Stop doing it,” Dr. Peterson says in the video. “Your toothpaste that you brush your teeth with has around 1,450pp fluoride … Your mouthwash only has 220pp fluoride. This is a much lower concentration, and it’s not enough to protect your teeth from sugars that you eat and drink. So when you brush your teeth and you rinse with mouthwash straight away — you just rinse off all the high concentration fluoride.” Dr. Peterson also clarified that she isn’t “against mouthwash” and even recommends it to her patients regularly. She just tells them not to use it after brushing. The only time you could use mouthwash after brushing is if you wait 20 to 30 minutes after brushing your teeth, Dr. Peterson clarified in the comments. Usually, dentists and doctors go viral on TikTok for condemning popular trends — like making fake teeth out of InstaMorph beads, filing teeth with nail files and DIY braces made with rubber bands. It’s rare these professionals go viral for debunking things people were raised to believe are true. For example, another dentist, Dr. Gao, went viral on TikTok for telling people that we’ve been using the wrong amount of toothpaste this whole time. That’s why there was a lot of skepticism in Dr. Peterson’s comments. “Dental hygiene is a lot more complicated than what they teach,” someone wrote. “Unbeknownst to me I’ve been TRYING to destroy my teeth for decades,” another joked. “Cool.” “Here I am struggling to just brush my teeth every day,” a commenter said.

just say richer are getting richer and poor are getting poorer i no money, so i so i stay in slumkang, there also slumggol, slumdok etc...

SINGAPORE 一 The Ethnic Integration Policy (EIP) introduced by the Government in 1989 has sought to ensure that racial enclaves do not form in public housing estates. Nevertheless, homeowners from the main ethnic groups comprising Chinese, Malays and Indians have been found to gravitate towards certain parts of the island. This is based on a study led by Associate Professor Leong Chan-Hoong, a psychologist and statistician from the Singapore University of Social Sciences, who has been studying the spatial distribution of public housing blocks that have met their EIP limits since 2016. The study was published in August last year in the book “Building Resilient Neighbourhoods in Singapore” which Assoc Prof Leong co-edited. As part of his ongoing research, Assoc Prof Leong has since updated the findings with latest statistics. The study also found that the proportion of Housing and Development Board (HDB) blocks that have met the occupancy quota for at least one of the ethnic groups has increased in the last six years, from 28 per cent in 2016 to 33 per cent in 2021. While the percentage of blocks that had met the Chinese quota has remained largely stable at around 17 per cent since 2016, the figure for Malays doubled from 4.7 per cent in 2016 to 10.1 per cent this year. For Indians, the figure rose from 6.8 per cent to 8.8 per cent over the same period. Assoc Prof Leong said that the clustering trend was due mainly to the differences in the purchasing power of the different races. Commenting on the study, experts interviewed by TODAY said that if left unchecked, this trend could be a cause for concern. By combing through data from HDB, Assoc Prof Leong found that distinct “clusters” of HDB blocks have emerged in different parts of the island where the quota for a particular ethnic group has reached its maximum. Chinese homeowners, he found, tended to congregate in more central neighbourhoods such as Bishan East, Marymount and Tiong Bahru. Malays set up homes in areas such as Tampines and Woodlands, while Indian homeowners did so in Admiralty and Boon Lay, among other neighbourhoods. In his study, Assoc Prof Leong did not set a minimum number of blocks to determine if a cluster had formed but said that as a rule of thumb, if at least five or six blocks in a group of 10 blocks within a neighbourhood had hit their ethnic quota, it would be considered a cluster. The EIP was introduced by the Government over three decades ago after it observed that ethnic enclaves appeared to be forming in certain neighbourhoods. For instance, Chinese households exceeded 90 per cent in neighbourhoods in Hougang New Town while Malay households exceeded 30 per cent in neighbourhoods in Bedok and Tampines. Under the policy, the proportion of flats in each HDB block and neighbourhood that can be owned by households of each ethnic group is capped. When the EIP was first introduced, the limit for each block was capped at 87 per cent for Chinese, 25 per cent for Malays and 13 per cent for Indians and other races. At a neighbourhood level, this quota was 84 per cent for Chinese, 22 per cent for Malays and 10 per cent for Indians and other races. The quota broadly corresponded to the ethnic proportions of the population at a national level at that time. In June 1988, Singapore’s ethnic proportions stood at 76 per cent Chinese, 15.1 per cent Malays and 8.9 per cent Indians and other races. The quotas were revised in 2010, with the ethnic quota in blocks for Chinese and Malays remaining the same, while that for Indians and other races was increased to 15 per cent. At a neighbourhood level, these quotas again remained the same for Chinese and Malays but increased to 12 per cent for Indians and other races. As of 2020, Singapore’s citizen population was made up of 76 per cent Chinese, 15 per cent Malays, 7.5 per cent Indians and 1.6 per cent of other races. WHY CLUSTERS ARE FORMING Assoc Prof Leong reiterated that the clusters he observed had formed in part due to the disparity in the purchasing power of the different races. Through his research, he found that price was the main consideration of property buyers. Using data from HDB, Assoc Prof Leong calculated the average resale prices per square metre (psm) for flats in different neighbourhoods based on resale transactions from 2017 to 2019. He then mapped out the neighbourhoods according to the following average resale price bands: S$3,000 to S$3,958.46 S$3,958.47 to S$4,699.24 S$4,699.25 to S$5,492.50 S$5,492.51 to S$6,501.28 S$6,501.29 to S$9,000 He found that Chinese clusters had formed in areas where the resale prices of flats were higher compared to the areas where clusters of minority races had formed. Sociologist Chua Beng Huat from the National University of Singapore (NUS) said that clustering could be driven more by cost rather than a preference to live with those of the same ethnicity. Chinese clusters were found in central areas such as Bishan East, Bukit Ho Swee, Cheng San, Holland Drive, Marymount and Tiong Bahru, where the average resale price psm for an HDB flat was between S$3,958.47 and S$6,501.28. Clusters of Malay homeowners were mostly found in the northern parts of Singapore such as North Coast in Woodlands and Woodlands West and the eastern neighbourhoods such as Tampines East and Pasir Ris Drive. These areas have an average resale price psm of between S$3,000 and S$3,958.46 in the north, and between S$3,000 and S$4,699.24 in the east. Clusters of Indian households were found in Admiralty, Boon Lay and Pasir Ris Drive where resale prices psm were between S$3,000 and S$3,958.46. Indian clusters were also found in areas with higher resale prices. These included central areas such as Bendemeer and Kampong Java, where the average resale price psm ranged from S$5,492.51 to S$6,501.28. There were also clusters in the northeast such as Punggol and Sengkang where resale prices psm ranged from S$3,000 to S$4,699.24. Assoc Prof Leong said that in general, Chinese flat buyers with higher purchasing power are pricing out the minorities with lower purchasing power in the prime and central areas where flats have higher resale value. “And then minority ethnic groups will move to other places, perpetuating this ethnic clustering effect,” he added. On clusters of Indian homeowners found in both areas of high and low average resale prices, Assoc Prof Leong attributed it to a “difference in choice... between local-born Indians and naturalised Indians”. He added: “We do not have residential location segmented by place of birth and income, but we know that permanent residents and by extension naturalised citizens tend to have higher income than average Singaporeans.” He noted that the Global Indian International School has a campus in Punggol, while Kampong Java and Bendemeer were located near Little India. As such, both areas had amenities which drew Indian permanent residents or naturalised citizens. Latest census data from the Department of Statistics 一 which surveyed Singapore citizens and permanent residents 一 showed that the median household income from work increased across the board for all households between 2010 and 2020. However, the increases for Chinese and Indian households outpaced the rise for Malay households. In 2020, the median household income from work was S$$7,972 for Chinese, S$5,704 for Malays and S$8,500 for Indians. Although Indians have the highest median household income, Assoc Prof Leong believes that Chinese buyers are able to “dictate” market forces in resale prices as they make up the majority of home buyers. “Given the numerical dominance, if the majority of Chinese decide to move into a residential neighbourhood, that will drive up resale prices and limit the options for minority home buyers with lower purchasing power," he explained. Most property analysts and sociologists interviewed by TODAY said that while cost could be a factor, there may be other factors driving the formation of clusters, such as being close to family or workplaces. Ms Christine Sun, the senior vice-president of research and analytics at property agency OrangeTee, said that the preference for a particular neighbourhood by different ethnicities could be driven by industries that hire a higher proportion of a particular race. Property analyst Nicholas Mak, head of research and consultancy at property agency ERA, said that price influences the choice of flat buyers, but location also plays a key role in their decision. Many buyers prefer areas near their older parents, workplace or schools where their children are studying, he said. POTENTIAL IMPLICATIONS Assoc Prof Leong noted that some homeowners, particularly those from minority races, have faced difficulties in selling their flats. Under the EIP, a homeowner of a minority race can sell his or her flat only to another member of a minority race, once the quota for the majority race has been reached. Therefore, sellers may see a smaller pool of eligible buyers, resulting in them having to lower their asking price, reducing the capital gains on their property. This issue took centre stage during the parliamentary debates earlier this month when Leader of the Opposition Pritam Singh questioned the relevance of this policy, pointing out its negative impact on minority homeowners. This was met by a rebuttal from National Development Minister Desmond Lee, who stressed that the policy is still needed to buttress racial integration despite its “rough edges”. Location of HDB blocks which have hit their ethnic quota from 2016 to 2021. Source: Assoc Prof Leong Chan-Hoong Assistant Professor Laavanya Kathiravelu from the Nanyang Technological University (NTU) said that the clustering effect was concerning because it potentially means that people have lower chances of meeting others of a different race or socio-economic class. “This could create more insular living environments and everyday experiences in interacting with fellow residents. “This effect could also be heightened since many of us now work from home and have less opportunities to interact with people outside our immediate residential neighbourhoods,” the sociologist said. RELOCATING SCHOOLS TO ‘DE-CLUSTER’ To “de-cluster” areas that have hit their limits on ethnic quotas, Assoc Prof Leong suggested relocating popular schools from central to peripheral areas to encourage Chinese buyers to move to other areas. His other suggestion is that a cap be placed on the cash over valuation (COV) permissible for resale flats, to reduce incentives for the seller to sell to the highest bidder. COV is paid when a resale flat is sold above its valuation by HDB and it must be paid in cash by the buyer. Mr Mak of ERA said that relocating popular schools may draw Chinese buyers to peripheral areas and benefit minority flat owners in these areas who can pocket a profit from the sale of their flats. However, subsequent minority households with lower purchasing power will be priced out of these peripheral neighbourhoods again. One suggestion by Ms Sun from OrangeTee was that ethnic quotas in neighbourhoods that are experiencing clustering can be readjusted if it will not significantly erode the mix of races there. Asst Prof Laavanya of NTU proposed that there may be more flexibility in the conditions of the EIP so that flat purchases can be more equitable across the different ethnic groups. She pointed out that the policy also does not account for naturalised citizens, who are a growing group in Singapore, and warned that clusters of new citizens would not be ideal for integration efforts. Assoc Prof Leong reiterated the need to address the trends found in the study. “In the long run, this could lead to an unequal housing structure that is also explained by racial background, running contrary to what we want to see in our neighbourhoods,” he said. Read more at https://www.todayonline.com/singapore/study-finds-clustering-races-some-neighbourhoods-largely-due-purchasing-power-disparity

SINGAPORE - David James Roach, the Canadian sentenced to five years' jail and six strokes of the cane for robbing a bank of more than $30,000 in 2016, has been spared the cane. The Ministry of Home Affairs (MHA) said on Sunday (July 25) that Roach, who committed the Standard Chartered Bank robbery which took place on July 7, 2016, had his sentence of caning remitted on Saturday. This is because the Singapore Government had assured Britain that any corporal sentence on Roach, who had fled Singapore, would not be carried out in order to secure his extradition. The ministry said that the President, on the advice of the Cabinet, has exercised her powers under Article 22P(1) of the Constitution of the Republic of Singapore to remit the sentence of six strokes of the cane imposed on Roach. "The Singapore Government has thus fulfilled the assurance given to the United Kingdom (UK) Government. No alternative punishment will be imposed on Roach in lieu of the remitted sentence of caning." David James Roach, now 31, had fled Singapore soon after the robbery, where he made off with $30,000. He was sentenced on Wednesday (July 7). MHA said that Roach fled Singapore to Thailand on the day of the robbery. On January 11 2018, Roach was deported from Thailand and arrived in London on the same day. Authorities here sought assistance from the UK authorities to arrest Roach, with a view to extraditing him to Singapore. As part of the extradition proceedings, the Singapore Government undertook to the UK Government that no form of corporal punishment would be carried out on Roach should he be found guilty here of the offences for which his extradition was sought. "This is because the UK's extradition laws prohibited the extradition of Roach without such an assurance," the ministry explained. Roach was extradited from the UK and arrived in Singapore on March 17 to face charges of robbery and money laundering, having exhausted all legal channels for appeal in the UK against his extradition. On July 7, he pleaded guilty in the State Courts to one count of robbery and one count of money laundering. For robbery, an offender can be jailed for up to 10 years and receive at least six strokes of the cane. David James Roach (right), now 31, had fled Singapore soon after the robbery, where he made off with $30,000. PHOTO: SINGAPORE POLICE FORCE MHA noted that it was necessary for the Government to provide this assurance to the UK, or it would not have permitted the extradition. "Extraditing Roach to Singapore to face justice for his crimes was our top priority," it said. "The Singapore Government will do whatever is necessary and permissible within our legal framework to seek justice against those who commit crimes in Singapore, regardless of nationality and where they may have fled to."

any free backdoor?

They should be a study which is more likely to suffer serious side effects

My eye Ahhhhhhhhhhhhhhhhhhhhh

If he sell mean he know something that most don't

i really to upgrade my flash light, my one is around 10yr old type. that when you focus you can see the circuit board

got titled shoik ma

Ms Toh Steckler, 48, a Singaporean who moved to the US in 2014 with her American husband who was there as part of his job in the cyber-security industry, said that American customers who had visited Singapore and “fallen in love” with the food often dropped by to patronise the cafe as well. During peak hours, the queues can stretch on for three blocks outside, she added. The cafe is open every day, except Monday, and typically attracts about 400 customers a day on weekends and 300 on weekdays. The outlet in the US is surrounded by the headquarters of technology giants such as Facebook and Apple, since it is located at Palo Alto in Silicon Valley, a 40-minute drive from San Francisco. For this venture, she has partnered with chef Nora Haron, who is Singaporean and is the director of culinary operations at the branch. “The excitement and anticipation from the community motivated us,” she said. On the menu at the cafe are items familiar to Singaporeans such as toast with butter and kaya (a coconut jam), soft-boiled eggs, freshly brewed kopi (coffee), curry chicken, laksa (spicy coconut milk-based noodle soup) and even bak kut teh (peppery pork rib soup). Killiney Kopitiam was founded in Singapore by Hainanese immigrants from China in 1919. It was only in 1998 that it opened a second branch and then became a franchise chain. In 2001, its first overseas branch was launched in Kuala Lumpur, Malaysia. It now has 30 branches in Singapore as well as dozens of branches in eight overseas countries, including the US. Some of the dishes sold at Killiney Kopitiam's outlet in Palo Alto, United States. Photo: Killiney Kopitiam Palo Alto/Facebook Ms Toh Steckler had to apply with the Killiney Kopitiam headquarters in Singapore and succeeded in doing so after “extensive dialogue” with the owner. She also had to delay the opening of the cafe by three months owing to the Covid-19 pandemic. Singaporeans based in the US who could not fly home due to travel restrictions had been heading there to get a taste of home. “(This) gave them more reason to come to Killiney… They were missing Singapore food and I feel that we filled that void for them,” she said. A kaya toast that costs about S$2.50 in Singapore is US$5.49 (S$7.45) there. A kopi o kosong (black coffee), which is typically S$1.60 at franchised branches here, costs US$3.49 (S$4.75). FOOD IS KEPT AUTHENTICALLY SPICY Ms Toh Steckler, an entrepreneur and real estate investor, thought of the business venture because she liked the idea of introducing Singaporean food to people who may not have the chance to try it. She first jumped upon the idea of opening this business when she noticed upon moving to the US in 2014 that there she “simply could not find authentic Singapore food”. “There are so many Singaporeans in the US that could benefit from this business,” she said. “Not everyone has the luxury to travel, (and food) fills that void,” She also noticed that the demand for Singapore food in the US has “grown exponentially” over the last 10 years. For instance, more restaurants offering Singaporean and Malaysian cuisine have opened up in the US. Examples include the Lion Dance Cafe, Dabao Singapore and Satay By The Bay. However, cooking Singapore dishes in a foreign setting came with its challenges. At first, it was hard to find some ingredients because they were not easily available. For instance, she had to import curry paste from Singapore. “Our chefs worked hard in our (cafe’s) opening months on spice levels, textures and plating to constantly improve and respond to feedback while simultaneously maintaining our authenticity,” she said. “(Our customers) hold us to a very high standard.” Other than slightly larger portion sizes, there has been no need to pander to American palates or preferences. For example, Ms Toh Steckler said that she has not found it necessary to reduce spice levels. “We would like to keep it that way for authenticity.” Ms Toh Steckler added that constantly training new chefs, tasting the food and relying on the feedback of the customers will be crucial to ensuring the food remains authentic. Within the next year, she plans to open five other stores in Cupertino, Santa Clara, Mountain View, Livermore and Walnut Creek, all located in the Bay Area in California. In the longer term, or in the next eight years, she is hoping to expand to 62 locations across the US. The vision is to “transform the American palette”, she said. “(Singaporean food) is unique on its own and it connects people from a myriad of cultures,” she said. “We hope to connect Americans with our kopi and our food.” Read more at https://www.todayonline.com/singapore/killiney-kopitiams-first-cafe-us-draw-customers-who-miss-singapore-food