Friday, June 10, 2016

Home Loan Rates - DBS

Home Loan Rates - DBS
Rates are applicable for residential properties (including HDB), quoted on per annum basis and are subject to change without prior notice.
For purchase of property
Fixed Deposit Home Rate (FHR)
Floating Rate Package
Rates
Year 1FHR18 + 1.30%
Year 2FHR18 + 1.30%
Year 3FHR18 + 1.30%
Year 4 and thereafterFHR18 + 1.30%
No lock-in period. Fixed Deposit Home Rate (FHR18) refers to the prevailing 18 months Singapore dollar fixed deposit interest rate of DBS Bank for amounts within $1,000 to $9,999 or such other sum as we may specify. The current FHR18 is 0.600% per annum.


For refinance of property
Fixed Deposit Home Rate (FHR)
Floating Rate Package
Rates
Year 1FHR18 + 1.30%
Year 2FHR18 + 1.30%
Year 3FHR18 + 1.30%
Year 4 and thereafterFHR18 + 1.30%
No lock-in period. Cash rebate is given for loan amount of $500,000 or more. Fixed Deposit Home Rate (FHR18) refers to the prevailing 18 months Singapore dollar fixed deposit interest rate of DBS Bank for amounts within $1,000 to $9,999 or such other sum as we may specify. The current FHR18 is 0.600% per annum.


Singapore Interbank Offered Rate (SIBOR)
Floating Rate Package
Rates
Year 13-month SIBOR + 0.80%
Year 23-month SIBOR + 0.80%
Year 33-month SIBOR + 0.80%
Year 4 and thereafter3-month SIBOR + 1.25%
3-month SIBOR refers to the 3-month Singapore Interbank Offered Rate based on the 11a.m. fixing by ABS on the first business day of the month. Click here to view the latest SIBOR rates, under the Rates & Fees tab.


Fixed Rate Package
Rates
Year 11.80%
Year 21.80%
Year 31.80%
Year 4 and thereafterFHR18 + 1.20%
Comes with a 3-year lock-in period. Fixed Deposit Home Rate (FHR18) refers to the prevailing 18 months Singapore dollar fixed deposit interest rate of DBS Bank for amounts within $1,000 to $9,999 or such other sum as we may specify. The current FHR18 is 0.600% per annum.





- wong chee tat :)






Frasers Logistics prices Singapore IPO at top end of range, to raise S$903m

Frasers Logistics prices Singapore IPO at top end of range, to raise S$903m
It is the second mainboard IPO on the Singapore Exchange this year, and the biggest in about three years.

By Nicole Tan
Posted 10 Jun 2016 21:40

SINGAPORE: Frasers Logistics and Industrial Trust is set to raise about S$903 million ($666 million) after pricing its Singapore initial public offering at the top of its indicative range in the country's biggest new listing in three years.

The real estate investment trust (REIT) said in a filing on Friday (Jun 10) that it is selling 521.7 million units - priced at 89 cents apiece - to institutions and retail investors.

It will also be the largest initial pure-play Australian logistics and industrial REIT to be listed on the Singapore Exchange (SGX).

All 51 properties under Frasers Logistics and Industrial Trust are located in Australia and are valued at almost S$1.6 billion. Going forward, the REIT manager said it is looking to expand beyond its initial Australian focus.

Said Mr Robert Wallace, CEO of Frasers Logistics & Industrial Asset Management: “There is visible growth available to the portfolio not just from the development platform but also from another nine assets that are being held on balance sheet at this point of time of Frasers Property Australia.

“Certainly in the longer-term future, given the strength of the sponsor, being Fraser Centrepoint Limited, there will be opportunities elsewhere potentially around Asia. The sponsor has a very good presence in Singapore, but I can see opportunities potentially being in markets such as Thailand, Malaysia and Vietnam."

The REIT is projecting a distribution yield per unit of 6.83 per cent for 2016 and 7.3 per cent for 2017.

Mr Liu Jinshu, director of research at NRA Capital, noted: "Industrial REITs on average generally yield between 6.4 per cent and up to 8 per cent. So in terms of yield, I think it's priced fairly reasonably. If you look at weighted average lease to expiry, it's about seven years. Seven years is quite decent. So to some extent, I think the REIT can sustain its dividend yield at the current offer price."

It is the second mainboard IPO on the SGX this year. Despite recent market volatility, observers said they expect to see retail investor interest, amid the search for yield. However, they also cautioned retail investors of potential currency risks.

Mr David Kuo, CEO of The Motley Fool Singapore, commented: "It's being sold at a price to book of about 1. So therefore you'd say everything there, all the metrics actually look quite good. In the case of Frasers Logistics, what you actually have with that is a little bit of currency risk as well.

“So people need to bear that in mind. Because what would happen if the Australian dollar were to fall against the Singapore dollar? How would that affect the returns you're going to get from your investment? So people have to balance a number of things."

The REIT is expected to have a market capitalisation of S$1.27 billion at listing.

- CNA/ms


- wong chee tat :)

Increase in midges at Bedok Reservoir due to hot and wet weather: PUB

Increase in midges at Bedok Reservoir due to hot and wet weather: PUB
Some businesses and residents say they have noticed an increase in midges, although intensity is lower than the swarms that plagued the area in 2012.

By Monica Kotwani
Posted 09 Jun 2016 19:05 Updated 09 Jun 2016 23:49

SINGAPORE: The pesky insects that plagued residents and shop owners along Bedok Reservoir are back - a "localised increase in the presence of midges" that can be attributed to the hot and wet weather, said national water agency PUB in a statement to Channel NewsAsia on Thursday (Jun 9).

Some residents Channel NewsAsia spoke with said they noticed an increase in the number of midges entering their homes in the last two weeks, although numbers are nowhere near the swarms seen in 2012.

A resident living in a HDB unit opposite Bedok Reservoir Park said: "Every morning when I walk into my balcony, I see a cluster of dead midges on the floor. It has become worse these last few days." A staff working at a nearby condominium told Channel NewsAsia that residents have been giving feedback about the growing population of the insects.

Some businesses have noticed the increased presence. Ms Saadiah, who works at the Mr Prata outlet at Block 746 Bedok Reservoir Road said the midges appear just before it rains.

She said: "When our lights are on, it gets worse. It's pretty scary, a whole 'family'... they would stick to the wall, get into the kitchen. It really affects our business. Last month, we had to close for about 15 minutes, cover all our food, turn off the lights, and clean the area." Owner of Burp Kitchen & Bar, Sarah Lim said her customers sitting outside initially thought they were mosquitoes. She said: "They thought the insects were mosquitoes. When we went to take a closer look just to make sure we were not breeding mosquitoes, we realised they were very small flies."

In its statement, PUB said it has received more than 10 "pieces of feedback" from residents. A spokesperson for the agency said: "As midges are small, light and weak fliers, they tend to concentrate in areas in the direction of the wind and the recent southward winds may have blown the midges to nearby residential estates." The agency said it has stepped up its control measures since May.  It carries out daily fogging around the reservoir every morning and five times a week in the afternoon to control the adult midge population. It has also increased the application of a biological larvicide in reservoir waters to prevent the growth of the larvae into adults. PUB said other measures include planting shrubs to act as barriers, as well as installing spotlights at the reservoir pumping station to divert the insects from residential areas. It reiterated that while midges can pose a nuisance to park users and residents, they do not bite or spread diseases.

Following the surge in the midge population in 2012, PUB commissioned a study, together with National University of Singapore researchers, to help the agency understand the midge population and identify intervention measures.

Researchers identified the species as Tanytarsus oscillans, a minuscule green species that inhabits deep waters in the central part of the reservoir.  Based on this information, PUB modified the applicator of the larvicide, so that the chemical can also be applied to the reservoir bed in the central part of the reservoir, when it would normally be applied along the banks.

- CNA/mo


- wong chee tat :)

Scheduled Maintenance - POSB

Scheduled Maintenance - POSB

We are constantly upgrading our systems to bring you a more pleasant banking experience. During the mentioned period of scheduled maintenance, some of the services will not be available:

iBanking

Date
Maintenance Period
Services under Maintenance
Every Sunday
0400hrs to 0700hrs
System Maintenance

- Foreign Currency Current Account (FCCA)
- Foreign Currency Fixed Deposit (FCFD)
- Multi-currency Autosave (MCA)
- Multiplier Account
19 Jun 2016
0000hrs to 0600hrs
System Maintenance

- Fast Funds Transfer to Other Bank (New/Existing Payee)
- Adhoc Fast Funds Transfer to Other Bank
- Fast Transaction History
- View/Delete Post Dated Funds Transfer
22 Jun 2016
0000hrs to 0500hrs
System Maintenance

- Mobile Prepaid Topup
26 Jun 2016
0000hrs to 0600hrs
System Maintenance

- disruption of services
10 July 2016
0200hrs to 0300hrs
System Maintenance

- Intermittent disruption of services

digibank app

Date
Maintenance Period
Services under Maintenance
19 Jun 2016
0000hrs to 0600hrs
System Maintenance

- Fast Funds Transfer to Other Bank (New/Existing Payee)
- Adhoc Fast Funds Transfer to Other Bank
- Fast Transaction History
- View/Delete Post Dated Funds Transfer
26 Jun 2016
0000hrs to 0600hrs
System Maintenance

- disruption of services
10 July 2016
0200hrs to 0300hrs
System Maintenance

- Intermittent disruption of services

SMS Banking

Date
Maintenance Period
Services under Maintenance
22 Jun 2016
0000hrs to 0500hrs
System Maintenance

- Mobile Prepaid Topup
26 Jun 2016
0000hrs to 0600hrs
System Maintenance

- disruption of services
10 July 2016
0200hrs to 0300hrs
System Maintenance

- Intermittent disruption of services

PayLah!

Date
Maintenance Period
Services under Maintenance
22 Jun 2016
0000hrs to 0500hrs
System Maintenance

- Mobile Prepaid Topup
26 Jun 2016
0000hrs to 0600hrs
System Maintenance

- disruption of services
10 July 2016
0200hrs to 0300hrs
System Maintenance

- Intermittent disruption of services

D2Pay

Date
Maintenance Period
Services under Maintenance
22 Jun 2016
0000hrs to 0500hrs
System Maintenance

- D2Pay
26 Jun 2016
0000hrs to 0600hrs
System Maintenance

- disruption of services
10 July 2016
0200hrs to 0300hrs
System Maintenance

- Intermittent disruption of services




- wong chee tat :)

McAfee DAT version = 8191 (jun 09th 2016)

McAfee DAT version = 8191 (jun 09th 2016)

Link: here ( Select Yes. And it keeps getting updated daily. Region=US)



- wong chee tat :)

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

- wong chee tat :)

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

- wong chee tat :)

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

Homage to the 36 trillion, 119 thousand, 500 Amitabha Buddhas

- wong chee tat :)

Om Mani Padme Hum

Om Mani Padme Hum


- wong chee tat :)

Sutra in Forty-Two Sections


Section 6
Tolerating Evil-doers and Avoiding Hatred
The Buddha said, "When an evil person hears about your goodness and intentionally comes to cause trouble, you should restrain yourself and not become angry or blame him. Then the one who has come to do evil will do evil to himself. "




- wong chee tat :)

Windows 10 Insider Preview Build 14361 for PC and Mobile now available in the Fast ring

Windows 10 Insider Preview Build 14361 for PC and Mobile now available in the Fast ring

By Wayne Williams

It’s been a couple of weeks since we last had a new Windows 10 Insider Preview build released to the Fast ring, but today the wait is over as new Windows Insider chief Dona Sarkar has pushed the button to roll out Build 14361 for both PC and Mobile.

This new release includes new features, some improvements to existing features, and plenty of fixes. The release date for the big Windows 10 Anniversary Update is edging ever nearer, so the quest is on to fix as many problems as possible before then.

As you might expect, the new additions aren’t that exciting, but they do include a LastPass extension for Microsoft Edge, and Hyper-V Container which will let you use Docker natively on Windows 10.

A raft of improvements have been made to Windows Ink, and there have also been improvements made to the Settings app as well, including changes to the colors so it's more obvious whereabouts you are. Jumping to the Settings homepage has been made easier now too.

The Blu-ray icon has been updated, which is exciting for those people who a) like icons and b) have a Blu-ray drive. The Network Quick Action icon has been updated as well.

Other improvements and fixes for PC include:

Fixed the issue causing keyboard navigation in Store apps like Netflix or Tweetium to not work.

Fixed the issue causing certain websites like YouTube to fail to render in Microsoft Edge or IE due to a recently implemented feature called TCP Fast Open.

Fixed an issue resulting in a strange gray bar frequently being seen on the left side of the Microsoft Edge browser window (for example, after invoking a context menu).

The window of active hours for when you are using your PC has been increased from 10 to 12 hours under Settings > Update & security > Windows Update and "Change active hours".

Updated the download notification in Microsoft Edge to include filename, download status, and site domain on separate lines.

Fixed an issue that would cause the icons to disappear from the tabs in Microsoft Edge after the DPI change corresponding with remotely connecting to the PC via Remote Desktop.

Fixed an issue where DNG file thumbnails were not displaying in File Explorer.

Polished the appearance of Start by reducing the amount of whitespace at the top of Start, and adding logic so that the scrollbars will immediately hide once your mouse is no longer hovering over that area. Also fixed an issue resulting in clipping on the bottom or side of Start’s context menus.

Fixed an issue where pressing the Enter key would not submit the Wi-Fi password in the network flyout from the taskbar.

Decreased the size of icons used in notifications from 64×64 to 48×48 -- maintaining the visibility, while improving the use of space in the Action Center.

Improved the reliability of Cortana’s listening after tapping the mic button and fixed an issue that resulted in focus being lost to Cortana’s search box after a typed search has been deleted via backspace.

Updated Windows Defender to not show recap notifications in normal mode if no scans have been run, or in scan-only mode if no threads have been found.

Fixed an issue that resulted in certain apps, such as Photos, not being able to set the desktop background.

Going forward from Build 14361, your Task Manager settings will now be preserved across build updates.

Fixed an issue where Start wouldn’t dismiss after launching Sticky Notes, leading to Sticky Notes appearing behind Start.

Fixed an issue resulting in not being able to set your account picture in Settings using the camera option.

Added a keyboard shortcut for opening the taskbar’s clock and calendar flyout -- this shortcut is WIN + Alt + D.

Fixed an issue where Command Prompt wasn’t maximizing correctly on high DPI monitors. We also fixed an issue where Command Prompt wouldn’t refresh the windows properly when doing an upwards Ctrl + F search with a long output of text.

Fixed an issue where the taskbar’s volume icon was showing incorrect states for 0 percent and muted.

Fixed an issue where applying a new save location on the Storage Settings page for any one file type would result in any other pending save location changes being lost.

With this being a Fast ring release there are of course still quite a few known issues to be aware of. These include:

If you have a French Windows 10 Insider Preview build installed on your PC, you will not receive Build 14361. There is an issue with the French translation process in this build that would revert a lot of text that was used to be shown in French back to English. So Microsoft has chosen not to release this build to Insiders whose base build is French. If your base build is not French and you have a French Language Pack installed -- you will still be able to install the new French language pack on top of this build, but this issue will also impact you.

Text prediction using the Japanese IME will freeze your PC. To avoid this issue and continue using the Japanese IME, we recommend turning off text prediction. You can do this by right-clicking IME mode icon "A" or "あ" in systray and selecting "Properties", clicking "Advanced", and navigate to the "Predictive Input" tab and check off "Use predictive input system". You can turn on prediction feature again by checking it on.

Navigating to the Privacy pages in Settings app will crash the Settings app and prevent you from adjusting your privacy settings. Your privacy settings already set will remain intact after updating to this build. If this is a blocker for you, you can move to the Slow ring until this bug is fixed or be sure to set your privacy settings before updating to this build.

If you click on a file download link, it will open a tab and close it without doing anything in Microsoft Edge. The workaround is to go to the Download pane and start the download there by clicking "Save" or "Save As".

For certain languages, such as Chinese or Portuguese (Brazil), you will not be able to launch Start while an app is installing.



- wong chee tat :)

六字真言頌 怙主三寶

六字真言頌 怙主三寶

虔心皈依怙主三寶,真心憐憫慈母眾生,嗡瑪尼巴美吽……

佛為導師法為正道,僧為善侶同為救主,嗡瑪尼巴美吽……
登山階梯過河船舟,驅愚慧燈險隘坦途,嗡瑪尼巴美吽……
口誦真言心中祈禱,地獄烈火從此熄滅,嗡瑪尼巴美吽……
唱頌六字胸中發願,冷獄冰雪消融變暖,嗡瑪尼巴美吽……
誦持六字威力無比,十八地獄變成樂土,嗡瑪尼巴美吽……
世間無實因緣難料,生死輪回行善為要,嗡瑪尼巴美吽……
萬物無常善惡交替,向善精進矢志不渝,嗡瑪尼巴美吽……
暇滿人身難得至寶,虛度此生實為可惜,嗡瑪尼巴美吽……
貪心無盡欲望皆空,惡趣業因棄之從善,嗡瑪尼巴美吽……
萬惡煩惱罪孽根源,時刻提防凡夫癡念,嗡瑪尼巴美吽……
強壯身軀入土荒野,驅走死神上師引路,嗡瑪尼巴美吽……
瑪尼頌詞怙主三寶,諾言活佛順口編唱,嗡瑪尼巴美吽……
虔誠頂禮觀音菩薩,消除罪孽速證佛果,嗡瑪尼巴美吽……
如來佛子慈悲引路,眾生往生極樂佛土,嗡瑪尼巴美吽……


六字斷除六道苦難頌


嗡字放光照耀天界,死苦難忍觀音救度,嗡瑪尼巴美吽……
瑪字光照阿修羅界,爭斗死傷觀音救度,嗡瑪尼巴美吽……
尼字放光照亮人間,生老病死觀音救度,嗡瑪尼巴美吽……
巴字放光照亮畜生,蠢啞痛苦觀音救度,嗡瑪尼巴美吽……
美字放光照亮惡鬼,饑餓難熬觀音救度,嗡瑪尼巴美吽……
吽字放光照亮地獄,冷熱煎熬觀音救度,嗡瑪尼巴美吽……


- wong chee tat :)

Om Mani Padme Hum

Om Mani Padme Hum


- wong chee tat :)