CPF minimum sum 2016

CPF changes - 2Jan2016

国人今后可选择延迟至70岁才领钱，以这样的方式增加自己往后可获得的每月入息金额。若会员没给予通知，该局会待会员70岁时才开始发放入息。

公积金会员开始领取终身入息的年龄视他们的出生年份而定。例如，在1952年和1953年出生的会员，64岁起即可领取终身入息；1954年后出生的会员，可领取入息的年龄则为65岁。

明年起基本存款额每年调涨3％。

Stock Portfolio as at December 2015

UMS                               10000 shares

Kep Infra trust                 12000 shares

ST engineering                  1000 shares

M1                                    1000 shares

Dividends to be collected in Dec

Cambridge.                     60.20SGD

UMS.                             100.00SGD

Gold outlook for year 2015

（纽约／伦敦综合电）美元走强和美国利率上升前景引发市场大举抛售黄金，大宗商品价格全线下滑。金价已跌至五年低位，未来金价预计继续走低，分析师纷纷预测黄金价格年底会跌至接近每安士1000美元，国际投行高盛（Goldman Sachs）更大胆预言，今年金价将跌破1000美元 。

金价前日一度下跌4%，至每安士1088美元，这是自2010年3月以来的最低水平。亚洲的大笔抛盘致使价值超过17亿美元的黄金在开盘不久的几分钟内被卖出。后来金价回升至每安士1109美元。

高盛商品研究员杰菲里·凯利（Jeffrey Currie）认为，眼下黄金最糟糕的时刻还没有到来，金价今年料跌破每安士1000美元，为2009年来首次。该行之前认为年底金价将跌至1050美元。

SingPass Changes

政府将在七月五日（星期天）开始，使用改良版的个人政府电子密码系统（SingPass），除了采用更有保障的双重密码外，页面设计更简洁易用，忘记密码的用户可要求系统发送密码到自己的手机，比等候信密码信件方便。

新系统启用后，用户须登入www.singpass.gov.sg网站，提供并确认联系方式，设定保安问题和答案。启用后，用户登入时须输入名字和两道密码，才能在政府机构网站上进行电子交易，这比目前只须输入一道密码，更有保障。

Keppel Infrastructure Trust is planning to raise gross proceeds of $525 million by selling up to 1.03 billion new units to fund the acquisition a 51% stake in Keppel Merlimau Cogen

Keppel Infrastructure Trust plans equity fund raising of $525 million to acquire Keppel Merlimau Cogen stake

By PC Lee  / theedgemarkets.com   | May 21, 2015 : 12:11 AM MYT   

SINGAPORE (May 20): Keppel Infrastructure Trust is planning to raise gross proceeds of $525 million by selling up to 1.03 billion new units to fund the acquisition a 51% stake in Keppel Merlimau Cogen.

The equity fund raising will comprise a placement of up to 812.7 million units at between 51 cents and 55 cents to a limited number of institutional and other qualified investors.

The other portion will be non-renounceable preferential offering of 218.9 million preferential offering units at between 50.5 cents and 54.5 cents on the basis of one preferential offering unit for every 13 existing units held by unitholders.

The adjusted volume-weighted average price for the full market day on May 19 and on 20 May until 9.33 a.m. was 55.41 cents per unit.

Credit Suisse (Singapore) Limited,  DBS Bank  (  Financial Dashboard) and  UBS AG, Singapore Branch have been appointed as joint lead managers, bookrunners and underwriters for the equity fund raising.

After completion,  Keppel Infrastructure Fund Management  will also declare a special cash distribution of $30 million in aggregate to unitholders of which $16 million will be distributed to CIT unitholders and the balance of $14 million distributed to pre-acquisition KIT unitholders, or 1.05 cents per unit.

Keppel Infrastructure Trust closed 0.5 cent higher at 58 cents yesterday.

Two real-life jokes - 5May2015

(Joke one)

Yesterday ah boy talks about wat to be when grow up..

ah boy says : I want to be a doctor..

Mum says : u r afraid of blood, u can't be a doctor..

ah boy says :  I want to be a fireman..

Mum says: u r afraid of blood, u can't be a fireman..

In the end ah boy says: I want to be a teacher when I grow up..

Mum says: u want to be like your teacher - Patrick chua.. 😅

(Joke two)

Ring...

Salesman says: May I speak to Mrs Lim please..

Mum says: u look for Mrs Lim for what matter? 

Salesman says: Are you Mrs Lim?

Mum says: u look for Mrs Lim for what matter? 

Salesman says: Is Mrs Lim at home?

Mum says: u look for Mrs Lim for what matter? 

Salesman says: Are you Mrs Lim?

Mum is irritated and says: I am Mrs Lim.

Salesman says: I must have dialed the wrong number. 

😓