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Thursday, September 23, 2010
Inequality of Wealth Distribution
America has a big inequality in the distribution of wealth. The author of this paper carried out a survey of 5,000 around 5,000 people that has a demographic distribution and political inclination that represents the the population. The key findings of this report are that the ordinary people grossly under-estimated the actual inequality in the distribution of wealth and preferred a distribution that more closely reflect Sweden (which has high welfare and taxation).
The findings of this survey is relevant to Singapore, where the inequality of wealth distribution is worse than America, as reflected by the Gini coefficient. Read www.tankinlian.com/latest.aspx (Building a Better America).
The findings of this survey is relevant to Singapore, where the inequality of wealth distribution is worse than America, as reflected by the Gini coefficient. Read www.tankinlian.com/latest.aspx (Building a Better America).
Importance of meditation
If you are interested to find out why meditation is important, you are invited to read the chapters “Second Conversation with Guru Harry” in Tommy Wong’s book “Wisdom on How to Live Life (Book 2)”.
The book can be ordered here.
Survey: contingency fees
Read this paper on Contingency Fee for Professionals.
Should Singapore adopt a system of contingency fees for laywers and doctors? Give your views in this short survey.
Should Singapore adopt a system of contingency fees for laywers and doctors? Give your views in this short survey.
Wednesday, September 22, 2010
Affordability of housing
This article suggests that a person can spend up to 40% of the monthly income for the monthly mortgage payment for a home. This is too high.
My benchmark is 25% of the monthly income on a loan not exceeding 25 years. Based on my benchmark, which is explained in Practical Guide on Financial Planning, the price to pay for a propery should not exceed 5 years of the combined income. If the couple are both working, the cost of employing a maid should be deducted from the combined income. The negative consequence of putting too much earnings into a home are also explained in my book. There is a need to accumulate savings to meet unemployment, which is now a high risk in Singapore.
My book is available at www.tankinlian.com/ishop. There is a 40% discount under a 5 book bundle.
My benchmark is 25% of the monthly income on a loan not exceeding 25 years. Based on my benchmark, which is explained in Practical Guide on Financial Planning, the price to pay for a propery should not exceed 5 years of the combined income. If the couple are both working, the cost of employing a maid should be deducted from the combined income. The negative consequence of putting too much earnings into a home are also explained in my book. There is a need to accumulate savings to meet unemployment, which is now a high risk in Singapore.
My book is available at www.tankinlian.com/ishop. There is a 40% discount under a 5 book bundle.
Licence fee demand by SPH
SPH has demanded a licence and investigation fee from a local website for posting its article in their website. It seems to be quite unreasonable. There is a new for a law to be passed to determine if such action by a media company is acceptable or undesirable. Read www.easyapps.sg/sgep/latest.aspx.
Make CPF Life more attractive
Many member are not taking up CPF Life because they find it difficult to decide between the four options. They are also suspicious that it offers low value to the consumer. CPF Life will be made compulsory for those who turn 55 in a few years time. It is likely to be unpopular. I have written this article to suggest how to make CPF Life more attractive to the public. Read www.tankinlian.com/latest.aspx.
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