how US funds their giant debts level?
https://fiscaldata.treasury.gov/americas-finance-guide/government-revenue/
What is the national debt? The national debt ($33.85 T) is the total amount of outstanding borrowing by the U.S. Federal Government accumulated over the nation' s history. Updated daily from the Debt to the Penny dataset.
 
by controlling the interest rate of 5.5% and usdsgd
1.3278
chartiskao ( Date: 15-Dec-2023 13:12) Posted:
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在 1965年 后 , 我 就 知 道 未 来 有 变 化
https://www.youtube.com/watch?v=jWXCkPJyqAs
 
https://www.investing.com/currencies/usd-sgd
chartiskao ( Date: 15-Dec-2023 13:10) Posted:
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https://tradingeconomics.com/united-states/interest-rate
https://www.youtube.com/watch?v=jWXCkPJyqAs
https://www.usdebtclock.org/
 
after setting the rates at 5.5% worldwide
Can Us still fund the two big wars : Ukraine' s war and Gaza' s war and the S.china sea war? 
chartiskao ( Date: 15-Dec-2023 13:06) Posted:
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how small country manage big country ' s debt
https://www.usdebtclock.org/
 
https://www.youtube.com/watch?v=jWXCkPJyqAs
chartiskao ( Date: 15-Dec-2023 13:04) Posted:
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the story of sgd to usd after 1965
https://www.youtube.com/watch?v=EKcMPtAeEKQ
 
 
will us debt pull down sgd after 2024?
chartiskao ( Date: 15-Dec-2023 12:57) Posted:
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more rich malaysian millionaires put their money in sg after sgd/myr become 3.5145
chartiskao ( Date: 15-Dec-2023 12:21) Posted:
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https://www.sgx.com/securities/securities-prices
usdsgd 1.3273 and the 3 local bank share performance on  15/12/2023 mid december sales
 
usdsgd 1.3273 and the 3 local bank share performance on  15/12/2023 mid december sales
 
chartiskao ( Date: 15-Dec-2023 11:57) Posted:
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the three local banks and the 9 overseas banks will continue to leand money to manulife reits in 2024
chartiskao ( Date: 15-Dec-2023 09:45) Posted:
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low interest rates buy buy assets ,high interest rates at 5.5% sell sell and cut debts
https://www.youtube.com/watch?v=YJ_k2sJSgVI
https://www.youtube.com/watch?v=YJ_k2sJSgVI
chartiskao ( Date: 14-Dec-2023 15:32) Posted:
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all time low so the company started to buy back its share
https://investors.sgx.com/company-disclosures/company-announcements?securityCode=C52& annc=D11L97A1ILOFNN46
https://investors.sgx.com/company-disclosures/company-announcements?securityCode=C52& annc=D11L97A1ILOFNN46
chartiskao ( Date: 14-Dec-2023 15:21) Posted:
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will Sichester' s resurrect comfort' s
AT A quiet cemetery in eastern China, bereaved father Seakoo Wu pulls out his phone, places it on a gravestone and plays a recording of his son.
They are words that the late student never spoke, but brought into being with artificial intelligence.
&ldquo I know you&rsquo re in great pain every day because of me, and feel guilty and helpless,&rdquo intones Xuanmo in a slightly robotic voice.
&ldquo Even though I can&rsquo t be by your side ever again, my soul is still in this world, accompanying you through life.&rdquo
Stricken by grief, Wu and his wife have joined a growing number of Chinese people turning to AI technology to create lifelike avatars of their departed.
Ultimately Wu wants to build a fully realistic replica that behaves just like his dead son but dwells in virtual reality.
&ldquo I can train him... so that when he sees me, he knows I&rsquo m his father.&rdquo
Some Chinese firms claim to have created thousands of &ldquo digital people&rdquo from as little as 30 seconds of audiovisual material of the deceased.
Experts say they can offer much-needed comfort for people devastated by the loss of loved ones.
But they also evoke an unsettling theme from the British sci-fi series Black Mirror in which people rely on advanced AI for bereavement support.
&lsquo Needs are growing&rsquo
Wu and his wife were devastated when Xuanmo, their only child, died last year at the age of 22 while attending Exeter University in Britain.
The accounting and finance student, keen sportsman and posthumous organ donor &ldquo had such a rich and varied life&rdquo , said Wu.
&ldquo He always carried in him this desire to help people and a sense of right and wrong,&rdquo he told AFP.
Following a boom in deep learning technologies like ChatGPT in China, Wu began researching ways to resurrect him.
He gathered photos, videos and audio recordings of his son, and spent thousands of dollars hiring AI firms that cloned Xuanmo&rsquo s face and voice.
The results so far are rudimentary, but he has also set up a work team to create a database containing vast amounts of information on his son.
Wu hopes to feed it into powerful algorithms to create an avatar capable of copying his son&rsquo s thinking and speech patterns with extreme precision.
Several companies specialising in so-called &ldquo ghost bots&rdquo have emerged in the United States in recent years.
But the industry is booming in China, according to Zhang Zewei, the founder of the AI firm Super Brain and a former collaborator with Wu.
&ldquo On AI technology, China is in the highest class worldwide,&rdquo said Zhang from a workspace in the eastern city of Jingjiang.
&ldquo And there are so many people in China, many with emotional needs, which gives us an advantage when it comes to market demand.&rdquo
Super Brain charges between 10,000 and 20,000 yuan (S$1,860-S$3,730) to create a basic avatar within about 20 days, said Zhang.
They range from those who have died to living parents unable to spend time with their children and - controversially - a heartbroken woman&rsquo s ex-boyfriend.
Clients can even hold video calls with a staff member whose face and voice are digitally overlaid with those of the person they have lost.
&ldquo The significance for... the whole world is huge,&rdquo Zhang said.
&ldquo A digital version of someone (can) exist forever, even after their body has been lost.&rdquo
&lsquo New humanism&rsquo
Sima Huapeng, who founded Nanjing-based Silicon Intelligence, said the technology would &ldquo bring about a new kind of humanism&rdquo .
He likened it to portraiture and photography, which helped people commemorate the dead in revolutionary ways.
Tal Morse, a visiting research fellow at the Centre for Death and Society at Britain&rsquo s University of Bath, said ghost bots may offer comfort.
But he cautioned that more research was needed to understand their psychological and ethical implications.
&ldquo A key question here is... how &lsquo loyal&rsquo are the ghost bots to the personality they were designed to mimic,&rdquo Morse told AFP.
&ldquo What happens if they do things that will &lsquo contaminate&rsquo the memory of the person they are supposed to represent?&rdquo
Another quandary arises from the inability of dead people to consent, experts said.
While permission was probably unnecessary to mimic speech or behaviour, it might be needed to &ldquo do certain other things with that simulacrum&rdquo , said Nate Sharadin, a philosopher at the University of Hong Kong specialising in AI and its social effects.
For Super Brain&rsquo s Zhang, all new technology is &ldquo a double-edged sword&rdquo .
&ldquo As long as we&rsquo re helping those who need it, I see no problem&rdquo .
He doesn&rsquo t work with those for whom it could have negative impacts, he said, citing a woman who had attempted suicide after her daughter&rsquo s death.
Bereaved father Wu said Xuanmo would &ldquo probably would have been willing&rdquo to be digitally revived.
&ldquo One day, son, we will all reunite in the metaverse,&rdquo he said as his wife dissolved into tears before his grave.
&ldquo The technology is getting better every day... it&rsquo s just a matter of time.&rdquo AF
AT A quiet cemetery in eastern China, bereaved father Seakoo Wu pulls out his phone, places it on a gravestone and plays a recording of his son.
They are words that the late student never spoke, but brought into being with artificial intelligence.
&ldquo I know you&rsquo re in great pain every day because of me, and feel guilty and helpless,&rdquo intones Xuanmo in a slightly robotic voice.
 
Stricken by grief, Wu and his wife have joined a growing number of Chinese people turning to AI technology to create lifelike avatars of their departed.
Ultimately Wu wants to build a fully realistic replica that behaves just like his dead son but dwells in virtual reality.
A NEWSLETTER FOR YOU
Monday, 3.30 PM
Garage
In-depth news and opinions on all things startup and tech to kickstart your week. 
 
 
 
Your feedback is important to us
Tell us what you think. Email us at [email protected]
Tell us what you think. Email us at [email protected]
 
&ldquo Once we synchronise reality and the metaverse, I&rsquo ll have my son with me again,&rdquo Wu said.&ldquo I can train him... so that when he sees me, he knows I&rsquo m his father.&rdquo
Some Chinese firms claim to have created thousands of &ldquo digital people&rdquo from as little as 30 seconds of audiovisual material of the deceased.
Experts say they can offer much-needed comfort for people devastated by the loss of loved ones.
But they also evoke an unsettling theme from the British sci-fi series Black Mirror in which people rely on advanced AI for bereavement support.
&lsquo Needs are growing&rsquo
Wu and his wife were devastated when Xuanmo, their only child, died last year at the age of 22 while attending Exeter University in Britain.
The accounting and finance student, keen sportsman and posthumous organ donor &ldquo had such a rich and varied life&rdquo , said Wu.
&ldquo He always carried in him this desire to help people and a sense of right and wrong,&rdquo he told AFP.
Following a boom in deep learning technologies like ChatGPT in China, Wu began researching ways to resurrect him.
He gathered photos, videos and audio recordings of his son, and spent thousands of dollars hiring AI firms that cloned Xuanmo&rsquo s face and voice.
The results so far are rudimentary, but he has also set up a work team to create a database containing vast amounts of information on his son.
Wu hopes to feed it into powerful algorithms to create an avatar capable of copying his son&rsquo s thinking and speech patterns with extreme precision.
Several companies specialising in so-called &ldquo ghost bots&rdquo have emerged in the United States in recent years.
But the industry is booming in China, according to Zhang Zewei, the founder of the AI firm Super Brain and a former collaborator with Wu.
&ldquo On AI technology, China is in the highest class worldwide,&rdquo said Zhang from a workspace in the eastern city of Jingjiang.
&ldquo And there are so many people in China, many with emotional needs, which gives us an advantage when it comes to market demand.&rdquo
Super Brain charges between 10,000 and 20,000 yuan (S$1,860-S$3,730) to create a basic avatar within about 20 days, said Zhang.
They range from those who have died to living parents unable to spend time with their children and - controversially - a heartbroken woman&rsquo s ex-boyfriend.
Clients can even hold video calls with a staff member whose face and voice are digitally overlaid with those of the person they have lost.
&ldquo The significance for... the whole world is huge,&rdquo Zhang said.
&ldquo A digital version of someone (can) exist forever, even after their body has been lost.&rdquo
&lsquo New humanism&rsquo
Sima Huapeng, who founded Nanjing-based Silicon Intelligence, said the technology would &ldquo bring about a new kind of humanism&rdquo .
He likened it to portraiture and photography, which helped people commemorate the dead in revolutionary ways.
Tal Morse, a visiting research fellow at the Centre for Death and Society at Britain&rsquo s University of Bath, said ghost bots may offer comfort.
But he cautioned that more research was needed to understand their psychological and ethical implications.
&ldquo A key question here is... how &lsquo loyal&rsquo are the ghost bots to the personality they were designed to mimic,&rdquo Morse told AFP.
&ldquo What happens if they do things that will &lsquo contaminate&rsquo the memory of the person they are supposed to represent?&rdquo
Another quandary arises from the inability of dead people to consent, experts said.
While permission was probably unnecessary to mimic speech or behaviour, it might be needed to &ldquo do certain other things with that simulacrum&rdquo , said Nate Sharadin, a philosopher at the University of Hong Kong specialising in AI and its social effects.
For Super Brain&rsquo s Zhang, all new technology is &ldquo a double-edged sword&rdquo .
&ldquo As long as we&rsquo re helping those who need it, I see no problem&rdquo .
He doesn&rsquo t work with those for whom it could have negative impacts, he said, citing a woman who had attempted suicide after her daughter&rsquo s death.
Bereaved father Wu said Xuanmo would &ldquo probably would have been willing&rdquo to be digitally revived.
&ldquo One day, son, we will all reunite in the metaverse,&rdquo he said as his wife dissolved into tears before his grave.
&ldquo The technology is getting better every day... it&rsquo s just a matter of time.&rdquo AF
chartiskao ( Date: 14-Dec-2023 15:08) Posted:
|
sgd so strong as usd weaken so it makes sense for
This brings Silchester' s stake in ComfortDelGro to nearly 133 million shares or 6.14%, up from 5.96% previously. New York-based Silchester, which was formed in 1994, first emerged as a substantial shareholder of ComfortDelGro on Nov 7 after it bought just over 1.5 million shares at about $1.34 each.7 days ago
https://www.theedgesingapore.com/edgeinvest/invest-101/capital/insider-moves/silchester-continues-raise-stake-comfortdelgro-ameriprise-no-longer
 
chartiskao ( Date: 13-Dec-2023 15:14) Posted:
|
Structural factors affecting industry rivalry
A number of structural factors can affect industry rivalry:Numerous or equally balanced competitors
When there are many competitors, some companies believe that they can make competitive moves without being noticed. When companies are relatively balanced in strength, they are more likely to engage in competitive battles and attack and retaliate as they  strive for market leadership.Slow industry growth
In a slow growth market, companies can only grow by capturing market share from each other, which leads to increased competition.High fixed or storage costs
High fixed costs create pressure for all companies to fill capacity, thus leading to price cutting when there is excess capacity. High storage costs push companies to decrease prices to ensure sales.Lack of differentiation or switching costs
When products are perceived as commodities, choice is often determined by price and service, which then leads to increased competition in price and service.Capacity increased in large increments
When economies of scale require large increases in capacity, it causes disruptions in the industry supply/demand balance, which then leads to periods of overcapacity and price cutting.Diverse competitors
Companies with diverse strategies, origins, personalities and relationships to parent companies (especially foreign competitors) also have different competitive goals and strategies than &ldquo typical&rdquo companies within the industry. Their diverse approaches to the market and unique competitive strategies can upset the status quo of doing business.https://simple.wikipedia.org/wiki/Four_Asian_Tigers
 
chartiskao ( Date: 13-Dec-2023 15:12) Posted:
|
The Federal Open Markets Committee sets the federal funds rate&mdash also known as the federal funds target rate or the fed funds rate&mdash to guide overnight lending among U.S. banks. It' s set as a range between an upper and lower limit. The federal funds rate is currently 5.25% to 5.50%.1 Nov 2023
 
https://www.investopedia.com/terms/m/monopoly.asp
chartiskao ( Date: 13-Dec-2023 15:10) Posted:
|
bargaining power of buyer
28 August 2023. Prime Minister (PM) Lee Hsien Loong is on an Official Visit to Vietnam from 27 to 29 August 2023. This morning, PM Lee was received by Vietnam PM Pham Minh Chinh.28 Aug 2023
https://www.straitstimes.com/singapore/pm-lee-on-3-day-official-visit-to-vietnam-from-aug-27
bargaining power of suppliers
https://www.aljazeera.com/opinions/2023/9/14/bidens-vietnam-embrace-repeats-past-us-mistakes
chartiskao ( Date: 13-Dec-2023 15:06) Posted:
|
vietnam jockeying among US and china
https://learn.marsdd.com/article/industry-rivalry-and-competition-using-five-forces/
https://learn.marsdd.com/article/industry-rivalry-and-competition-using-five-forces/
chartiskao ( Date: 13-Dec-2023 15:04) Posted:
|
https://www.youtube.com/watch?v=Zm4i_rvAcxc
chartiskao ( Date: 13-Dec-2023 14:46) Posted:
|
sgdmyr3.501 again
https://www.viu.com/ott/sg/en/vod/2255836/Story-of-Qinglian?utm_source=ad_gg& utm_medium=dem_rmkt-chinese_18-65_all& utm_term=na& utm_content=2255836_12000___& utm_campaign=phdmediasisg704_ad_sg_awn_gg_all_pmax_awn_mau_newcustomers& gclid=EAIaIQobChMIvInbzeeLgwMVSxXVCh1dHQGdEAEYASAAEgLuW_D_BwE
https://www.viu.com/ott/sg/en/vod/2255836/Story-of-Qinglian?utm_source=ad_gg& utm_medium=dem_rmkt-chinese_18-65_all& utm_term=na& utm_content=2255836_12000___& utm_campaign=phdmediasisg704_ad_sg_awn_gg_all_pmax_awn_mau_newcustomers& gclid=EAIaIQobChMIvInbzeeLgwMVSxXVCh1dHQGdEAEYASAAEgLuW_D_BwE
chartiskao ( Date: 13-Dec-2023 12:47) Posted:
|
your sgd must continue to strengthen against usd as
Singapore maintains spot as world&rsquo s most expensive city, tied with Zurich: EIU

Vivienne Tay
Published Thu, Nov 30, 2023 · 12:32 pm
SINGAPORE maintained its spot as the most expensive city in the world, tying with Zurich, an annual survey showed on Thursday (Nov 30).
The pair overtook New York, which tied with Singapore last year for the pole position, based on findings from Economist Intelligence Unit&rsquo s (EIU) cost-of-living survey.
The survey, designed to help organisations calculate cost-of-living allowances and build compensation packages for expatriates and business travellers, showed that the global cost-of-living crisis is not over despite inflation moderating. On average, prices rose by 7.4 per cent yearly in local currency terms. Although price growth slowed from the 8.1 per cent reported in the same period last year, it remains significantly above the 2017 to 2021 trend.
The Republic continued to observe high price levels across several categories, notably transport due to strict controls on car numbers.
&ldquo It is also among the most expensive cities for clothing, groceries and alcohol, due to its success as a premier location for business investment,&rdquo EIU noted.
Zurich&rsquo s rise, meanwhile, reflects the strength of the Swiss franc. The city also has high prices for groceries, household goods and recreation.
&ldquo The supply-side shocks that drove price increases in 2021 to 2022 have reduced since China lifted its Covid-19 restrictions in late 2022, while the spike in energy prices seen after Russia invaded Ukraine in February 2022 has also eased,&rdquo said Upasana Dutt, head of worldwide cost of living at EIU.
She noted that Asia continues to have relatively low price increases on average, with four Chinese and two Japanese cities among the biggest movers down the ranking this year.
Despite upside risks, EIU expects inflation to decelerate further in 2024, as the lagged impact of interest-rate rises impacts economic activity and thus, consumer demand.
The 10 most expensive cities are Singapore and Zurich (tie), Geneva and New York (tie), Hong Kong, Los Angeles, Paris, Copenhagen, Tel Aviv and San Francisco.
A spokesperson from the Ministry of Trade and Industry on Thursday said the survey may not reflect the cost of living for Singaporeans, as it is designed to help human resource managers globally calculate cost-of-living allowances for expatriates and business travellers.
The consumption basket used does not reflect what Singaporeans usually consume, the spokesperson added, noting that prices were converted to US dollars to facilitate comparison. Singapore&rsquo s strong exchange rate &ndash which does not affect the cost of living for Singaporeans, and instead dampens the effects of imported inflation &ndash thus contributed to its higher ranking, said the spokesperson.
asian ' s products but fetch europe price
 
The pair overtook New York, which tied with Singapore last year for the pole position, based on findings from Economist Intelligence Unit&rsquo s (EIU) cost-of-living survey.
The survey, designed to help organisations calculate cost-of-living allowances and build compensation packages for expatriates and business travellers, showed that the global cost-of-living crisis is not over despite inflation moderating. On average, prices rose by 7.4 per cent yearly in local currency terms. Although price growth slowed from the 8.1 per cent reported in the same period last year, it remains significantly above the 2017 to 2021 trend.
The Republic continued to observe high price levels across several categories, notably transport due to strict controls on car numbers.
&ldquo It is also among the most expensive cities for clothing, groceries and alcohol, due to its success as a premier location for business investment,&rdquo EIU noted.
Zurich&rsquo s rise, meanwhile, reflects the strength of the Swiss franc. The city also has high prices for groceries, household goods and recreation.
&ldquo The supply-side shocks that drove price increases in 2021 to 2022 have reduced since China lifted its Covid-19 restrictions in late 2022, while the spike in energy prices seen after Russia invaded Ukraine in February 2022 has also eased,&rdquo said Upasana Dutt, head of worldwide cost of living at EIU.
She noted that Asia continues to have relatively low price increases on average, with four Chinese and two Japanese cities among the biggest movers down the ranking this year.
Despite upside risks, EIU expects inflation to decelerate further in 2024, as the lagged impact of interest-rate rises impacts economic activity and thus, consumer demand.
The 10 most expensive cities are Singapore and Zurich (tie), Geneva and New York (tie), Hong Kong, Los Angeles, Paris, Copenhagen, Tel Aviv and San Francisco.
A spokesperson from the Ministry of Trade and Industry on Thursday said the survey may not reflect the cost of living for Singaporeans, as it is designed to help human resource managers globally calculate cost-of-living allowances for expatriates and business travellers.
The consumption basket used does not reflect what Singaporeans usually consume, the spokesperson added, noting that prices were converted to US dollars to facilitate comparison. Singapore&rsquo s strong exchange rate &ndash which does not affect the cost of living for Singaporeans, and instead dampens the effects of imported inflation &ndash thus contributed to its higher ranking, said the spokesperson.
asian ' s products but fetch europe price
 
chartiskao ( Date: 13-Dec-2023 12:42) Posted:
|
https://www.theguardian.com/world/2023/dec/12/united-nations-general-assembly-vote-ceasefire-israel-gaza-war
Ukraine' s war plus Gaza' s war
 
Ukraine' s war plus Gaza' s war
 
chartiskao ( Date: 13-Dec-2023 11:54) Posted:
|