Toil

Relentlessly I toil

On this beautiful land

Even though the harvest will not be mine

But still I toil...

For I still love this land of my choice.

-songs of the farmers from the tribe whose flame within have died

6 Shortcuts

1) Reciprocity
-obligation to give when you receive
-be the first to give and it should be unexpected

2) Scarcity
- people want more of those that are getting less
- not enough to just show benefits, should show whats unique and what they stand to lose

3) Authority
- people follow the lead of credible, knowledgeable experts

4) Consistency
- people like to be consistent, so ask for small, public, and active commitments that can be made
- get those commitments in writing

5) Liking
- people prefer to say yes to those they like
- people like those that are similar to them, pay them compliments, and those that cooperate with them

6) Consencus
- when people are uncertain, they look to what similar others are doing

一, 二, 三, 四, 五, 六

一、心甘情願吃虧的人，終究吃不了虧。 能吃虧的人，人緣必然好，人緣好的人， 機會自然多。人的一生，能抓住一兩次機會，足矣！

二、愛佔便宜的人，終究占不了便宜，撿 到一棵草，失去一片森林。你看那些一到買單就上廁所或錢包半天掏不出來的聰明人，基本上都沒啥成就。

三、只有惜緣才能續緣。在人生的路上， 我們會遇到很多人，其實有緣才能相聚， 親人多半是前世的好友，好友多半是前世的親人，給你帶來煩惱的，多半是你前世 傷害過的。因此切記:善待身邊的親人， 關心身邊的朋友，寬恕那些傷害你的人。 這就是因果。

四、心中無缺叫富，被人需要叫貴。快樂不是一種性格，而是一種能力。

五、笑看風雲淡，坐對雲起時。不爭就是 慈悲，不辯就是智慧，不聞就是清淨，不看就是自在，原諒就是解脫，知足就是放 下。

六、不亂于心，不困于情，不畏將來，不念過往。


- compassion life society

「因果不虛」

「因果不虛」

世間沒有好，也沒有壞，只有因果在，
世間沒有對，也沒有錯，只有分別在，
世間沒有是，也沒有非，只有執著在。
...
願有緣人能深信因果，
放下妄想、分別、執著，
放下貪嗔癡慢，
放下五欲六塵，
放下人我是非。
放下恩恩怨怨。

when in doubt...go back to first principle

I shall not be influenced by internal or external forces...this will be achieved by constantly being aware that I have a choice and the ability to respond in the most appropriate way under any circumstances

I shall observe and adjust accordingly so that I acquire the necessary experience and skills to respond appropriately under any circumstances

I shall constanly seek out that which do not change in order to remember that everything is subject to change

I shall abide by a set of core values as a guide when making choices

I will contsantly review these values to suit any changes that come along

These values are humility, sincerity, clamness,

5 Things to know abt home loan in Singapore

Five Details That Matter
If there was a Home Loans Monthly magazine, it’d be illegal to read it aloud. The resulting boredom would send half a district into a coma.
So it’s not surprising that most people don’t keep up with home loans; not until they need one. Then they wander into the market wide-eyed and confused, like Bambi staring down the barrel of a shotgun. The lucky ones pick through the banker’s jargon, and realize:

• The Main Difference Between SIBOR and SOR
• What the “X” Months in Front of the Interbank Rate Means
• Fixed Rates in Singapore Don’t Last the Entire Loan
• Variable Rates May Not Be Transparent
• Property Agents Get Paid When They Refer You to Bankers

1. The Main Difference Between SIBOR and SOR
SIBOR and SOR are both interbank rates.
SIBOR (Singapore Inter-Bank Offered Rate) tracks the rate at which local banks lend to each other. Almost every country has its own counterpart, such as JIBOR (Jakarta Inter-Bank Offered Rate) in Indonesia, and the now notorious LIBOR (London Inter-Bank Offered Rate) in the UK.
And before you ask, no, SIBOR is not as easy to “fix” as LIBOR. SIBOR rates are based on transactions, whereas LIBOR rates were based on hypothetical estimates (read: whatever the hell their bankers felt like).

“So the dollar fights the %, and then…Mr Ong, I really don’t know how to simplify this further.”

SOR (Swap Offer Rate) is based on foreign exchange rates, between the US dollar and Singapore dollar. You can check the SIBOR or SOR rates yourself.
With some exceptions, SIBOR and SOR move in tandem. When SOR rises, SIBOR tends to rise. When SOR falls, SIBOR tends to fall. So what’s the difference between them?
Volatility.
SOR is sensitive to global market shifts. Because SIBOR is local, it responds more sluggishly to changes outside Singapore. So when the SIBOR rate moves, it does so by a smaller margin than the SOR rate.
As an example:
On 2 July 2012, the SIBOR rate was around 0.38%. A month later, on 1 August 2012, the SIBOR rate was around 0.37%. That’s a movement of about 0.01%.
On 2 July 2012, the SOR rate was also around 0.38%. On 1 August 2012, the SOR rate was around 0.35%. That’s a movement of around 0.03%. Note that SOR’s margin of movement was three times greater.
That makes SOR better suited to risk-takers. When the SOR rate drops, you save more money compared to SIBOR. But when the SOR rate rises, you also lose more.



2. What the “X” Months in Front of the Interbank Rate Means

At least it’s not *unplanned* homelessness.

A SIBOR or SOR rate is expressed with a number of months in front of it. For example, a loan package could be based on “3 months SIBOR”, or “1 month SOR”.
The number of months determines how often your interest rate is “refreshed”. If you take a 1 month SIBOR, for example, your interest rate will adjust to match SIBOR every month. That means your loan repayments can be different every month. If you take a 3 month SIBOR, your interest rate will only adjust every 3 months.
Interbank rates can come in 1, 2, 3, 6, 9, or 12 month rates. However, most home loans will only use a 1 month or 3 months rate.
In general, 1 month SIBOR / SOR tends to be cheaper during a down trend (when interest rates show a pattern of falling). During an up trend, the opposite is true.


3. Fixed Rates in Singapore Don’t Last the Entire Loan

“Funny enough, there’s a difference between fixed rates and rate fixing. Now please call off the police.”

In other countries, fixed rates can last the entire loan tenure. Your loan repayments could be the exact same amount, from year 1 to 30. But that’s too unexciting for Singaporeans.
In Singapore, most fixed rate packages last three years. After that, you’re back on a floating rate. The only way to “extend” your fixed rate is to refinance. You need to find another bank that’s offering a fixed rate, and then switch your loan to that bank.
If you insist on fixed rates, it’s advisable to start looking toward the end of your third year; this will give you time to compare rates. You can find the information on free loan comparison sites like SmartLoans.sg.
Or follow us on Facebook; we’ll let you know when we see interesting loan packages.


4. Variable Rates May Not Be Transparent

“Alright, I’ll let you know the board rates in a minute. Distract that guard.”

In Singapore, the term “variable rate” often means a loan package which uses neither SIBOR nor SOR. Instead, such packages are tied to a IBR (Internal Board Rate).
Each bank manages its own Internal Board Rate. Banks sometimes disclose the history of their board rate, in an attempt to convince clients. But for the most part, there is little transparency in a variable rate. Likewise, banks do not need to justify movements in their board rate; this is different from SIBOR or SOR, which are public and regulated.
I’m not implying that banks lie about their board rates. I’m implying it’s easy if they want to. So while a board rate may seem cheap, just ask yourself: How much do I trust this bank?


5. Property Agents Get Paid When They Refer You to Bankers

“In conclusion, this banker knows what he’s doing. I mean, this coffee house is awesome.”

Property agents can be demanding with regard to bankers. Sometimes they’ll threaten to raise prices, or to let a deal fall through, unless you use “their” banker.
That’s because the agents want a referral fee. When your agent directs you to a banker, and you get your home loan from that banker, the agent gets paid for it. Problem is, the property agent might not care that you’re getting a bad loan.
When your property agent refers you to a banker, always get a second opinion. Compare home loans yourself, and find the best deal.

Controversial Math Problems

Controversial Math Problems

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Faith Reason Passion

As reason is a rebel to faith, so passion is a rebel to reason.

- Thomas Browne