Today i been to an old age home to do some charity works…

hoping for a better tommorrow.Though its not alot of money.

but do hope that it will help some of my business income.as business is real bad this few days

慈善的一天

希望明天为更好。。。做了慈善后的感觉和心情不一样的。。。

今天我去做慈善了。看到了那么多的老人在哪里看电视。
我忽然觉得自己很幸福。

还在想，我哪天也会老的。。。到时会有人给我吃的吗？？？
但我做慈善不是要回报的。是为了我的生意。。。

希望可以帮助我。。。。

Hi Readers

I will try and explain whats the main course for this big turmoil as of this 2008, Whats the main cause of it to my knowlegde, and the big Reasons behinded it.

Well as of studies and knowldge of this market, with my researach. Like many of you does wonder whats is this turmoil all about that causes all the banks to have problems and institutes to pull from the market. As i was also like you scratching head along with all this possiblities of causes. But whats the main reasons. So  went and study the turmoil for which happen years back. Like the mid 1990s. So let me begin. I stress this. this is base on my knowledge of the market and base of my study. It may be wrong or right. So lets share this if its correct.

Easy credit with house deeds

As of what i know. In the mid 1990s, in the united states, its was ridiculously easy  to get a Home Loan. Why? cause the housing prices are soaring, so its makes the market easy to get a bank loan due to the rasing prices and banks can easily raise the interest price anytime.As there are many people in the market able to get loans. The banks lower the interest rates. to seduce buyers.

Leading investments getting tied down to mortgages

  From here, the bubble of housing spreads to banks through mortgage link investments. Trillions or billions of dollors worth of mortgages pack into investments products and bonds that gave retail investors the proceeds of getting loans repayments. With higher returns rates that all this investments that is begin created by the banks itselfs for retail investors. After which it leads to a gobal poures which other world banks follows.

With demand .Sub-prime rates came up

  With heavy demand in the market during the peak. the banks started making what we call the SUB Prime loans to high risk takers in the market.  So what are this people? this people are the many with NO INCOME PROOF. So when the housing were raising in prices this was not even an issued. Cause if the loaner defaults on payments. the bank can seize back and sells it back to the market when the price is rasing. So next came is the BUBBLE Begin BURST”

Housing prices start falling, what happens?

  With all the above. Now like i always says….What goes up….Must come down. Its just a matter of time. What ever boom you can have in this market. It will have to settle somewhere, and some place. But When is the Time????  Well its just about now in august 2008, the property prices started falling, Mortgages started to default on home loans. Then the investment mortgages that is begin tied down to banks returns turns sour. and started falling.

So in times comes, banks have no choice but to start writing down values of the mortgage link investments, causing Hugh Losses.

There fore today. We faced the same issue of whats known as the CREDIT CRISIS

  When investors and loan payments becomes a burdon to banks due to defaults and non repayments.banks becomes despertae to get new capital. But it will actually get more difficult to attrach new investments.  Follows down , Banks tighten down the credits. Begin fear of lending and repayments.  In which it will affect business loans and individual loans. Its starts to Disappear.

Begin unable to cover. Market started to panic

  In the end , market started to panic. And the big time players in the market have been waiting for a while. They started what we call the market Short Selling, or naked short selling. With nothing to lose, Due to the market begin in RED. Which in turn turn the market WORSE. Then banks began liquidate the shares to raise funds. It brings more trouble.

Further down came US biggest mortgages fanny mae trouble. All eyes were like.OH my God. Its time to RUN. This leads to panic selling. When it comes to panic selling. It does not care who you are. or what you are. people just wants to RUN.  So when people starts running, banks dun get enough funds, when bank do not get enough funds. They run into trouble. In which all this Market Crisis or credit Crisis came up. Eventually leading to the etire market having the biggest MELT DOWN ever in century.Which no body can save. i do not think that the 700billion injection will help any thing.

cause i think the next big thing that is comming up will be the credits cards repayments. which will be the biggest part. Unless the govement is able to cover up. Like i analyst. this melt down affect jobs and losses, housing begin taken back by banks, leading to people having no places to stay. In turns, people having bankupcy. follow will be robery on the raise. the biggest part is having losing jobs. Alot will default on Credit cards payments, which about 80% of Americans live their lifes off them. Thats whats makes Amercain express. Follow will be the next biggest turmoil as of yet to come.

i hope am right. lets see who shares my view

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Hi readers and followers

I be movng out of this blogspot to give more and better views to my writings and sharing.
Cause am having alot of porblem with all this blogspot handling.
I be converting to wordpress so that i can index the pages.
Which i can simply do options on a page and forex on another etc.
Cause readers email me and complain that all my writings are all in a mess.
Ha…
So please do bare with me for the time begin.
After i setup i will post the URL and hope that you guys will be able to followup

HANGIN THERE FORKS…

Cheers
tradingworld is here to guide.

Another NYP Sex Scandal

Please read the follow-up to this article here.
Anyway for those who came here in search of the video you won’t find it anywhere on this site as there was no link posted here in the first place and comments with links to the video are not allowed.When you pick up a handphone from a school campus/anywhere, what would you do?a) bring it to the lost & found counter/police station b) trade it in for a new handphone c) keep it for personal use d) transfer the pictures and videos in the phone to your computer and upload it on the net.Apparently d) is the option that is gaining in popularity in Singapore these days and it leaves some wondering how potential victims can be better protected from such malicious acts.Case in point: The most recent case (which has yet to be reported in the mainstream media but which is currently spreading like wild fire in our very own local forums as we speak) of such an incident involves an NYP cheerleader. According to various yet to be verified sources, a rival who was jealous of the victim’s popularity stole the latter’s handphone which contained private intimate video clips of the victim and her boyfriend. The rival extracted the clips onto her computer and mass mailed it to NYP students and staff. The 10 minute clip ended up in popular local pornographic forums and has reached audiences as far as the UK and US within a day. Some EDMWers (who happen to be students of NYP) have also gone into the school’s database and digged up the victim’s full name, email address and faculty.Further sources revealed that this is not the first sex scandal involving NYP. Not too long ago, a NYP lecturer by the name of Susan Chua was implicated in a sex scandal involving a student from the same school. For those interested in the Susan Chua NYP Sex Scandal, you can read more about it here.It has been rumored that NYP authorities are looking into expelling the victim (Could my readers who are studying in NYP please confirm this?) My question (to NYP authorities) is: Shouldn’t the girl who stole the victim’s handphone and mass mailed the video clip to the whole of NYP be expelled instead? Also (to my law students/lawyers readers), is there a legal case against this malicious girl? (If there isn’t, there should be)Moral of the story: If you want to take private intimate videos of yourself, don’t use your handphone (especially if you are in Singapore, where there are so many cases of people losing their handphones every day).Technorati Tag: nyp sex scandal, another nyp sex scandal, singapore

I do not bare the resposiblies of this post.AS the singapore newspaper came to advertise on this.

Another one BABE Nice….

I have tones of them….when they were in singapore…upcomming lots more

This one one of my fav Racequeen when i was in Jap.There is more to come…
hope that you guys will stay tune…
My personal option of this queens compare to european queens.I find that there ae nicer…

Subject: Special Hotel Room Info Only OK,
here’s some believes of the hoteliers :
Every single hotel, there shall be at least a permanant room which should be left vacant at all times. No matter how full the hotel are, they are not to sell that room(s) to any guest. It was said that special room was “reserved” for those “special visitors”. So, if you plan to stay in some hotel, always book in advance. Try to avoid walk in.If the receptionist tells you there’s no more room available, do notinsist one anymore or try to bribe them to give you a room. If you do that, most of the time the room you have will be that “special room”. Sometimes those “special visitors” might go to other rooms also, so here’s some tips on how to protect yourself: Before entering your room, always knock on the door first, even you know the room is vacant. After you enter the room, if you felt very cold suddently and have “chicken spore”, leave the room quitely immediately and go to reception to request to change room. Most of the time the receptionist will understand what’s happening.After you enter the room, immediately switch on all of the lights, and open the curtain to let the sun light in. Before you go to bed, arrange your shoes so that one of them is upside down. Some say this is representing yin & yang to protect you while you’re asleep. Always leave at least a lamp on while you’re sleeping, preferbly the toilet’s lamp.If you’re staying alone and they have give you a twin bed, do not sleep with the other bed vacant, try to put your things like luggage on the other bed before you sleep.best of luck

Subject: Ghost story
THE STORY OF ITE EAST CLEMENTI
believe it or not…up to youhave a story to tell…..
i was a college freshman.during my first sem, i had this experience…..i have a class in the comm. dept. we had a group presentation, so we reserved the auditorium…when we got in, the lights were already turned on and i dropped my bag and set up my laptop while the others fixed the projectors and the posters…..we noticed that one of our group member was not around….i looked for heroutside and i saw her sitting on a bench. she was having a smoke and looked pale…i let her in the audi cause the teacher was on her way….she didn’t want to come in. she revealed to me that she can see ghosts and other supernatural beings that no on else can.according to her, there was a girl at the ceiling that kept on laughing and was pointing at me. she said she follows me around and kept on swinging from beam to beam….as we reached the door, she grabbed my arm. i saw that there was a wet puddle right next to my bag on the chair. suddenly something small fell from the ceiling and landed on the puddle, it was a drop of liquid. she told me not to look up theceiling…but i was curious…as i looked up i saw a girl with black ragged clothes,she has yellow teeth as if she didn’t brush her teeth since she was born, she has long unruly hair that looked like it can’t be brushed no matter how you try.she was mocking and was laughing at me…she kept on pointing at me. she was drooling, and her drool was color yellow and it has an awful smell, it was slimy.i got my things and went out of the room, i threw away the bag that has her drool on it. i didnt want any memories of what happened that day. but i kept seeing her in my room. i didn’t know what to do. i found out later that before the school stood there, it was a big house…she lives in the big house and her father didn’t want her to go out of their mansionso she was locked in a room, she died and her body was not found, some say she became crazy, some say her body was in the walls of the room and she loves to play on the ceiling wandering around, swinging.the room later on became the comm. dept of the school. i realized that she wanted to let the people know what happened to her, because when i began to tell people, she didn’t visit me in my room anymore.the problem is that the person i told about her also have to spread her story.so post this message again and also send it to other people..if u ignore this and just read it, she will visit you in your room and follow u wherever you will go by swinging on the ceiling.don’t ignore this, u dont want to see her face…..BELIEVE ME……you’ll regret it…..keep on sending and posting NOW…u must be done after anhour or else….