March 18, 2013

Intermission.

Don't be sad.

You already know that life isn't about acquisition. Life's also about sharing with others, opening up to people who open up to you. Taking in the sights and sounds and stories of people that stumble your way. When  all that has come to pass, you will have lived life fruitful, even if you had not sought to yield.

Life's a roadtrip. Sticks and stones may break your bones but words that are intended to hurt you, grant them no audience in the sanctuary of your mind. That space is reserved for better.

Sometimes we get hurt. How you take the hurt will define your personal experience in your life. You have to be willing to take the hurt and yet continue moving against the forces sent against you. Maybe life afterall, is about spiritual renewal. I would think so.

Be not intimidated by your weaknesses, they were made for you to overcome against. Wipe the blood from your nose, and laugh in the face of adversity. Is that all there is, O adversity? Fear and doubt begone. For they themselves know they fight losing battles with your consciousness,. Can you see all the endless possibilities you behold, alas you were made for so much more.

I see it.
And it is Beautiful.
Someday i will show that wonderful you to you, too.

Be heartened by your strengths. Beauty. Kindness. Peace. Love. Joy. Knowledge. Empowerment. Enthusiasm. Truth. Courage. Limitless possibilities. Be that positive infinity algorithm, even if for no one else, be it, for you.

I believe in you.

Yours Truly.
The Fatso.

March 12, 2013

Somewhere, Beyond the Sea...

Someone I knew on facebook asked me about overseas singaporeans and as usual, he got my feelers up.
So I went and dug up some "Population in Brief" statistics for the years 2011 and 2012.
In case you don't yet know, these statistics are easily available online nowadays.

Let me share my findings soon. Links are provided for your convenience.

This is found on page 28 of the report.

This is found on page 32 of the report.


March 11, 2013

Flamingo Lingo.



The unique pink of a flamingo comes from their diet of algae and shrimp with high levels of Carotenoid (gives carrots their orange hue) and effervesces red pigments after digestion.

Likewise, people come in 50 shades of grey. Some lighter, some darker.
This comes from their diet of  knowledge, choice, opportunity and some say, life experience.
Alas, most people come only with one wing and most need to unify themselves with others before they fly right.
Some just prefer flapping harder alone, and hey, that works too.
(its flapping not fapping - get your mind out of the gutter!)

Which shade of grey pink makes you fly? And if you fly solo, how much harder is it?



It is not known why flamingos stand on one leg.
It is thought to be the conservation of body heat in colder, deeper waters.
Apart from preventing muscle fatigue by alternation,
it also appears to bring some comfort during resting positions.

When it gets warmer, more are observed to stand on both legs.
But as it gets colder, more prefer using only one leg.

Well, sometimes I'm like that too.
Its just naturally more comfortable that way.
But i'm not withdrawing to conserve sanity and love for myself.
If you must know, its conserved for other flamingos I know.

March 10, 2013

Time isn't money, unless you're conscripted yo.

Top 30 politicians in Singapore from renumeration top down costs Singapore around $75,000,000.
½ of this amounts to $37,500,000.

Birth rates being 30,946 for 2012:

http://www.singstat.gov.sg/stats/themes/people/popinbrief2012a.pdf

 ½ being male, assume every male serves NS, thats 15,473 males.

 $200/mth x 12 months = $2,400 more per NSF per year.

15,473 NSFs x $2,400 = $37,135,200.

Who says we can't express our gratitude for their conscription?

Bollocks I say.

March 09, 2013

Treason is the Reason

Some of us may already know this but i'll just go ahead articulating what i know and feel about this topic. Kindly forgive me in advance should I trespass on your beliefs should you know better.

So in Singapore theres something that befuddles me. Why the need to have 2.5% CPF interest rate returns and then have housing loans @ 2.6% interest? Why not just make it 0.0% CPF interest rates and 0.1% housing loans instead? $100,000 loan means $100 a year if its @ 0.1%.

0.1% interest per year? Thats fine. but 2.6% isn't.
Let's digest this in increments of $100,000.

===
By simple number pattern logic:
The 1st year's cumulative payment of your interest is about $2,600.
The 30th year's cumulative interest is almost $0.
So, 1st + 30th = $ 2,600

Since the 2nd year, you pay slightly below $2,600 (its around $2513.33)
and the 29th year you pay slightly more than $0 (its around $86.67)
their cumulative total is also around $2,600
So, 2nd + 29th = $2,600

We soon notice that every pair of years is around 2.6% of unavoidable interest recognized by the lending body (in this case, the government) as 'profit'. (More on this later)

So, for the duration of a 30 year loan, we have about 15 'pairs' of years.
That works out to be 15 x 2.6% = 39% interest.

For ease of calculation i shall just use 40%.
(once you add your housing insurance and what not, trust me you aren't far, and i have yet to include conservancy fees to the equation, i will speak more on this soon)
===

For the next few examples, i will use simpler math and more conservation approximations.
Yes, I am fully aware some of you will be able to pick out that i left out:
Wage increments over time (I prefer conservative estimates and will not hedge against the future)
Fixed housing costs (I prefer a general assessment of today's figures over prospective years)
Inflation (I shall bravely anticipate inflationary prices over time to neutralise wage increments)

So in short, if you:
borrow 100k , you pay 140k and bleed 40k interest over 30 years.
borrow, 200k, you pay 280k and bleed 80k interest over 30 years.
borrow 300k, you pay 420k and bleed 120k interest over 30 years.
borrow 400k, you pay 560k and bleed 160k interest over 30 years.
borrow 500k, you pay 700k and bleed 200k interest over 30 years.

This doesn't make sense to me whatsoever.

===
In the first place, 'public' housing, should not be pegged to 'open' market prices (in addition, property speculation of PUBLIC housing should not be encouraged the slightest bit for its inflative bubble, when endorsed, is difficult to undo) and becomes sensitive as sensitive issues come, when you inculcate a mentality of said property appreciation/speculation, see.

When the cost to build a public apartment is between 100k-150k, i believe what should be done, is to charge that, and that alone. That can easily be achieved by a working couple within 10 short years. No more interest gnawing and culling value from those who need that value to be some place else instead of ending up as an attrition of value, tis such a waste, really.
===

If a couple, together, take home 60k a year, current CPF rate of 20% employee contribution makes this annual figure $12,000. Given that what the employer contributes (15% as of now and more to come soon) more or less goes into Medisave Account (MA) and Special Account (SA), i will consider an employee's own contribution to primarily pay for the housing loan.

This way,
100k will take around: 100k / 12k = 8 years 4 months.
120k will take around: 120k / 12k = 10 years.
150k will take around: 150k / 12k = 12 years 6 months.

And thats it. You're done paying for accommodation, time to spend all those other aspects of value on things that are important, like self development, and having a resource cache for the raising of good quality children. (Yes kids are expensive nowadays, i will write in time to come about this)

Some of you are beginning to wonder about how the government could afford to build your current accommodations. And that's a good question. I do not know this myself, but i have a good hunch that it is off the very same CPF monies and interest rates that the generation before us has accrued them. So the position i am taking here is this:

===
If you've already made your money slowly but surely through housing, then its time to get to the social equity part of the deal that you as government is elected the sole purpose for, and not run autopilot capitalism and drive the rest of us into the ground with you and fall back on whatever ninja immunities you legislate yourselves in having so as to evade accountability. This much you owe the people.

I can only associate any other deviation from honorable intentions to help the people, for the sake of making a quick buck (or slow and painful and poisonous buck, if you will) from your people to be treacherous treason.

So you build 1 floor with 10 units @ 150k/unit, and allow them to be sold for 350k each.
1 floor = 10 x 350k = 3.5 Million.
20 floors = 70 Million.

Yes the money doesn't entirely go to the governemt, this i understand.
But you're playing devil's advocate charging 2.6% per annum on that 70 million that exchanges hands.
Over 30 years, your return on that 70 million is 40%. that to you is 'making' 28 million in profit.
That to the couples who need housing and monies rightly theirs, for starting the families you charge them to have, is robbery!

Should I add the profit made instantaneously so as to coerce couples to take huge loans in order to procure themselves accommodation, then its $200k profit per unit.
1 floor = $2 Million profit.
20 floors = $40 Million profit.

So you have 1000 of such blocks made because you think this makes you fast cash:
1 block = $40 million profit
1000 blocks = $40,000 million profit = $40 billion.

Total sum of interest accrued and considered as 'profit' if:
everyone takes a 10 year loan = 5 x 2.6 = 13% return = $5.2 Billion
everyone takes a 20 year loan = 10 x 2.6 = 26% return = $10.4 Billion
everyone takes a 30 year loan = 15 x 2.6 = 39% return = $15.6 Billion

Trickle economics at its worst, i say.
how many people can 1000 blocks made this way, house?

5(people/household) x 10(units per floor) x 20(floors) x 1000(blocks) =
200,000 couples or 1,000,000 people

So, potentially, our next $45-55 Billion in unjustly created 'profits' from retailing housing, this 'wealth' is coming from increasing population, and its no wonder why government conveniently thinks that way. How dark the con of man.

with 200,000 working couples earning $50k per household, collecting $10k per year:
in 30 years, you collect 300k in CPF monies per household.
200,000 households = $60 billion in CPF.

So the next 105-115 Billion over the next 30 years has already been made. you're fully in team 'Treason' now. Governance becomes easy. Blame the people for not having children, import more foreign labour. Try as best you can to change your cash inflow and deter the outflow by playing with peggings and once again hedging against your own citizenry. Q.E.D, right?

===
Time to audit Public Housing I say, and not a moment too soon!
===

Think for a second, isn't this what we now have?
150k apartments sold for 300k / 400k / 500k. Why the need to push up prices? This is why.
we could have the next generation happily sowing the firm foundations of the greater future but instead they are mired in debt due to unnecessary inflated prices that make you unwillingly COMMIT to then paying even more INTEREST on. Total allocation of resource failure imo.

The cost savings of charging at cost is tremendous:
(this, I reiterate, should already be the status quo but isn't)

So, for a unit sold @:
200k : Savings =  50k (direct profit) + 80k (interest on 300k over 30yrs) = 130k saved.
300k : Savings = 150k (direct profit) + 120k (interest on 300k over 30yrs) = 270k saved.
400k : Savings = 250k (direct profit) + 160k (interest on 400k over 30yrs) = 410k saved.
500k : Savings = 350k (direct profit) + 200k (interest on 400k over 30yrs) = 550k saved.

Presuming that 1 parent earns around 30k / year, that would translate to:

200k : 130k saved / 30k = 4 years 4 months of prospective wage needing to be earned.
300k : 270k saved / 30k = 9 years 0 months of prospective wage needing to be earned.
400k : 410k saved / 30k = 13 years 8 months of prospective wage needing to be earned.
500k : 550k saved / 30k = 18 years 4 months of prospective wage needing to be earned.

===
If we're as hyped up about increasing population, then we should be making it as scalable for couples as we can to both marry young, and at that end, increase the utility of child bearing years for a couple, we should be making things EASIER not HARDER, silly.
just taking the 300k-400k example.
(This incidentally is the more common situation most people find themselves in)
===

You can pretty much have 1 parent fully devote his/her time raising the kids, and have 9 - 13 full years doing family planning wholeheartedly, whilst still being able to 'economize' themselves in other endeavours, like self-education, cottage industry(baking/cooking), tuition, providing childcare services to your neighbours and so forth.

The idea is that instead of focusing on making money, we're focusing on meeting each others' needs. Can you imagine if this culture extends forth on a national level? What a marvel it will be, supplementing our needs as a country, and as countrymen!

10 years, my friends, 10 whole years!
Couples who marry at 20 have easily until 30 to build a family with only 1 working parent.
Couples who marry at 25 have easily until 35 to build a family with only 1 working parent.
Couples who marry at 30 still have easily until 40 to build a family with only 1 working parent.
Oh my, even couples who marry at 35 have until 45 to build a family with only 1 working parent.
(last example not so easy, biological clock me thinks, but nevertheless...)

Recipe for high birth rates? No outstanding loans. Even if there were a loan, interest rates must not and cannot undo couple's level of financial security and erode their savings.
Reducing societies need to rely on asset appreciation that will make us feel rich now on the backs of the next generation, that will ultimately mortgage their future for what will soon be considered unattainable 'past prosperity' in the near future.

The moment a government starts to fall into a web of self deceit and is complacent to the point that it knows it cannot guaranty future events and stability, the more it should not hedge its citizenry's future positions for you moult instead, into a government that gets distracted by profits instead of its rightful KPI: that of public service, rather, government slowly but surely evolves into a corporatocracy instead.

I feel this incessant pursuit, initially earnest and steadfast, is made perverse into a pursuit of delusions of grandeur where the few live so large for so long, at the expense of the many, who are left wanting.

Soon i shall write about the divider effect that in my opinion triumphs the misunderstood and misappropriated concept of the multiplier effect.

March 02, 2013

Enchanté, comrade!

Enchanté, Andrew.

 Did you know that even in the states there are people who have to work in places of visual pleasure to pay off their huge college debts. They speak perfect English as well.

 Alcoholics who physically harm their spouses are not characteristic of (All of China minus Beijing minus Shanghai). I think that perspective can be moderated to include everyone everywhere, regardless of creed/skin/religion.

You mention about "communism", "poverty", "overpopulation" and "upbringing", and you mention that you do not "judge" them as you have "been" there many times. I have to agree with you there. Better to reserve your opinions about them based on your life experience.

Having "been" there, and being the intellectual, prudent, patient, empathetic person you are, you would have come to the epiphany that these are circumstantial factors.

Let me share where i think you have been to. You've been to one of the many places on Earth that have harsher environmental/circumstantial factors than what you are now likely accustomed to. But the test for today does not hinge on the many other possibilities of all that.

What you are opinionated about, in actuality, is the human condition responding and adapting to those factors. Some of that is nature, some of that is nurture. Not everyone responds the same way. Attributing why, and coming to the conclusion that it is (as i gather, from your opinion) racial or genetic, is a cop out.

Its a convenient excuse for one to pile their foundation of hatred / prejudice / unacceptance into their psyche and it is dangerous. Sooner than later, you subconciously allow crystalisation of fear / intolerance / angst / vindication / rage.

There have been people who have risen to power and shown the world the depths of depravity and abuse those negative festering feelings can inflict onto everyone else.

Have you been acquainted with Hitler?
 Rage multiplied exponentially with power can lead to terrible atrocities that are needlessly painful for everyone else.

It will not matter if you do the nasty with 20, 200 or 2000. Accented English is likely a poor criteria to judge any human being. How would you go about judging a group of deaf or/and blind people? Hope the point I am trying to put forth is made.

People do make mistakes, but not everyone learns the lesson, so history may repeat itself until the opportunity is taken.

 Take care! ^_^