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revpauljbern · 6 years ago

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Free book excerpt #32 from Author Rev. Paul J. Bern

Written in a journalistic, expose' style, this nonfiction book chronicles the ongoing demise of the US middle class and what pastor Bern calls, "the ticking time bomb of inequality". This prophetic 2011 book, now in its 4th edition, predicted the American people's demand for free health care, free higher education for everyone without qualification, an end to the Drug War that includes prison reform, repealing the federal income tax, and the need for a $15.00 per hour minimum wage. This Christian-based book (yes, it has Bible quotes) is a must-read for everyone who thinks America is headed in the wrong direction.

It is now clear to see that voting various senators and congressional representatives into and out of office, depending on who the incumbent candidate is, stopped working a long time ago. The system is broken down from age and misuse. No matter who is elected to office, they are only puppets being manipulated and controlled by corporate America and all their armies of lobbyists, who work behind the scenes in conjunction with the US military-industrial complex, the federal and state prison systems, and the so-called “war on drugs”, which is really another form of class warfare against minorities and the poor. In point of fact, every economic problem present in the US today that I have already reported on in this book, plus the war on drugs, are actually civil rights issues disguised as social or economic problems. This has been done deliberately and with sinister intent by the same cancerous rogue elements of the US government and intelligence establishments that were behind the Kennedy and King assassinations of the 1960's.

So what can we do if our peaceful revolution somehow doesn't succeed? What will happen if things stay the same as they are into the foreseeable future regardless of our best intentions? A couple of things I can definitely tell you will happen is that prices for all the basics will continue to rise until the cost of rent or a mortgage payment, a tank of gas, a weeks worth of groceries and our utility bills get so expensive that US workers' and retirees' monthly incomes fall well short of their minimum monthly expenses. And that is not counting the skyrocketing cost of higher education, medical care and prescriptions. What will happen if people can't buy fuel to get to work?

The ugly truth is that there are a troubling number of people out there who are already at this tipping point. In a country like the USA, it is inexcusable for our senior citizens to have to choose between their medicine and their groceries to keep from running out of money before the end of the month. In a country like the USA, we have sunk to a new low when inner city school children look forward to their taxpayer-funded free school lunch because it is their only daily meal. In a country like the USA, we have sunk to a new low when one in five homeless Americans is a veteran. We need to elect people to public office whose only focus is to fix these problems and all the others like them that I have previously written about.

But if all that still doesn't work, and if our situation as a united people continues to gradually get worse as is now the case, what will we do? What if we run out of options? We will need to have a plan 'B' in place in case of a worst possible scenario, and armed revolt is out of the question for reasons which I have already stated earlier in this book (although it must not be ruled out in matters of self-defense). Is there a way to simply retreat, to walk away and refuse to be a part of this rigged political and economic system that has us all enslaved, and does this kind of action have a legal precedent? The encouraging answer to both these questions is an enthusiastic yes. The solution is something borrowed from the pages of history, and I am talking about secession.

Kirkpatrick Sale of the Middlebury Institute recently observed that there is presently ”more attention being paid to secession than any time since 1865″ and predicts that “one of the American states will vote for its independence in the next 10-15 years.” Neo-secessionist sentiments are frequently stereotyped as a characteristic exhibited primarily by “right-wing extremists.” Yet there are serious reasons why moderates and progressives should consider secession. Among the most compelling reasons why concerned Americans should consider dissolving the U.S. into multiple nations, regions, or city-states are:

Break-up of the U.S.A. means an end to the American empire that has killed millions of people throughout the world over the last sixty-five years, including perhaps two million Iraqis, three million Southeast Asians, hundreds of thousands of Central Americans, half a million Timorese, hundreds of thousands of Afghanis, and many, many more.

Without the support of the U.S., international capitalist organizations such as the IMF, World Bank, WTO, etc. would be much less powerful and influential.

The collapse of the U.S. Federal Reserve system would mean an end to federal corporate-welfare, bank-welfare, and, above all, the death of the military-industrial complex.

No more federal regime means no more DHS, FBI, CIA, DEA, BATF, Bureau of Prisons, Bureau of Indian Affairs, federal drug war, federal mandatory minimums, or the national police state built up around the war on terrorism. What could be more successful at overturning the “terror war” legislation of the 2001-2017 years than complete disintegration of the federal government itself? Or maybe its economic system?

An end to federal corporate welfare means a severe weakening of Big Pharma, agribusiness, or local developers utilizing federal money in efforts at gentrification.

The disintegration of the U.S. means not only the end of federal drug prohibition but an end to U.S. support for the international drug war and the America-centric structure of international drug prohibition, thereby allowing other nations to develop more progressive policies on this matter.

The majority of the U.S. population resides in the 75 to 100 largest urban, metropolitan areas. If these areas – New York, Washington D.C., Los Angeles, San Francisco, Portland, Chicago, Miami - were all independent city-states or micro-nations along the lines of Monaco, Luxembourg, or Singapore, genuine progressives would be in a much superior political position than at present. The major U.S. urban areas tend to be the most diverse culturally, racially, ethnically, and religiously. It is also in these areas where the majority of racial minorities, LGBTQ people, persons with counter-cultural values, and those with left-leaning political views tend to be concentrated. The majority of the unfortunate persons fed into the prison-industrial complex also originate from the large cities.

It would be immensely easier for independent city-states of this kind to enact, for instance, single-payer health care, legal same-sex marriage, stem cell research or a genuine living wage. Likewise, it would be much more possible to decriminalize, regulate and tax drugs, prostitution, gambling and other “consensual crimes” along the lines of New Zealand, Portugal, or the Netherlands at present. Such changes would severely weaken and undermine the police state and prison-industrial complex. The likely weakening of corporate power following the demise of federal and state corporate welfare would also provide a more level playing field for activists to take on landlords, developers, bankers, and other plutocratic interests on a municipal and regional level, and perhaps initiate economic alternatives like cooperatives, collectives, communes, land trusts, and so forth.

OK, so we know there is legal precedent for secession, except that if this is accomplished in the early 21st century we must do so peacefully instead of shelling Fort Sumter like they did back in 1861. But can the act of secession be maintained once it has been initiated? Once the seceded territory has been set up, organized, and its boundaries set, is there legal precedent to set up its own Constitutional legal system, to print its own money or introduce some other medium of exchange, and so to be free and independent from the rest of the US? Once again the encouraging answer is that there is legal precedent for this very thing that dates back to the early years of our country, and this legal precedent is called nullification. An example of this was introduced in the South Carolina General Assembly back in 2010 was House Bill 4509 (H4509), which would make law that “no public official of any jurisdiction may require registration of purchasers of firearms or ammunition within the boundaries of this State.” No caveat for regulations under the commerce clause. No caveat for types of firearms either. This bill says NO to all gun registrations – period. The principle behind such legislation was nullification, which has a long history in the American tradition.

In the Kentucky Resolutions of 1798, Thomas Jefferson wrote in response to the hated Alien and Sedition Acts: “The several states composing the United States of America are not united on the principle of unlimited submission to their general government”, and, “where powers are assumed [by the federal government] which have not been delegated, a nullification of the act is the rightful remedy: that every State has a natural right in cases not within the compact, to nullify of their own authority all assumptions of power by others within their limits: that without this right, they would be under the dominion, absolute and unlimited, of whosoever might exercise this right of judgment for them”.

Now on sale at 1/2 price, was $29.95, now $14.98, exclusively from https://www.authorrevpauljbern.com

#raise the minimum wage #free health care #Free Higher Education #end the drug war #repeal the income tax #Economic Slavery #inequality

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the-pressnews · 4 years ago

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Stocks to watch: Ircon Int'l, Panacea Biotech, HDFC, JSPL, Burger King

Stocks to watch: Ircon Int’l, Panacea Biotech, HDFC, JSPL, Burger King

Nifty futures on the Singapore Exchange traded only 1 point or 0.01 per cent higher at 14,723 around 8.30 am on Tuesday, indciating a flat start for benchmark indices. Here are the top stocks that are likely to be in focus today: HDFC: Mortgage lender HDFC Ltd on Monday said it will acquire 9.90 per cent stake in Kerala-based infrastructure fund management company KIFML. Maruti Suzuki India:…

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surly01 · 4 years ago

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A Journal of the Plague

Originally published on the Doomstead Diner on April 5, 2020

"The taverns are fair full of gadabouts making merry this eve. Though I may press my face against the window like an urchin at a confectioner’s, I am tempted not by the sweetmeats within. A dram in exchange for the pox is an ill bargain indeed."

— Samuel Pepys, 1665

Watching Covid-19 unfold is like watching the approach of a slow motion catastrophe. We cannot run, nor hide. We can only wait. The math is immutable, and inexorable. The confirmed infection counts and death tolls double every three days. Tick-tock.

We are told to practice "social distancing," to wear masks, to wash our hands continuously, to not touch our faces, and most of all to #Staythefuckhome. Most do. Some, including notorious ignorami, assorted MAGATs, and fundamentalist preachers whose addiction to positive cash flow depends on filling their megachurches, do not. These people should be treated as if they want you dead, judging from their actions, they do.

On a warm spring day last weekend they could be found packing cars going God-knows-where, on sidewalks with kids in tow, even going house-to-house to talk to neighbors! Amidst all the people on their bikes taking advantage of a sweet spring day to go out and provide disease vectors for the unsuspecting, I noted that a friend posted on Facebook that the parking lots down at the Virginia Beach Oceanfront were absolutely packed. Leaving the cynical person to wonder, "what the hell is wrong with people?"

We are linear thinkers; we do not do the exponential function very well. (Part of the reason Einstein, when asked to identify the most powerful force he had seen in a lifetime of discovery, replied, “Compound interest.")

The very next day, Virginia Gov. Ralph Northam issued a stay-at-home order for Virginia in an effort to further stop the spread of the coronavirus. Better late than never.

Being first to lock the state down seems to have worked for California. I saw a clip by Gavin Newsom on TV saying as much, that the lockdown flattened the impact. He/they just had the good sense to employ the only weapon available. California bought themselves time, and kept the outbreak from swamping their health system. The less the infection penetrates the population in advance of a vaccine, the better.

My inner hunchback is waiting for karma to arrive in Arkansas, Missouri, Mississippi, and the other states that insist on staying "open for bidness" in the face of the trump Plague. I wish I were a better person. I am not.

In a recent book review, Charles Baxter observes,

Mania rules in many American classics. Like it or not, in what has been taken to be our national literature, the notable white male characters are often in the grip of obsession. From Captain Ahab, to Frank Norris’s McTeague, Fitzgerald’s Gatsby, Faulkner’s Thomas Sutpen, Nabokov’s Humbert Humbert, Philip Roth’s Portnoy, and James McBride’s John Brown, we are in the presence of men who want only one thing and have sold their souls to get it.

We are all maniacs now: maniacs to stay alive, to remain beyond the reach of a silent killer with near universal reach, and whose lethality will disproportionately affect the elderly and the infirm. And while we may not sell our souls, we have certainly turned our vigilance up to "10."

Samuel Pepys (pronounced: "Peeps"), a capable administrator of British naval affairs and Member of Parliament in the seventeenth century, kept a diary as a young man. He recorded his daily life for almost ten years, and his record is often regarded as Britain’s most celebrated diary.

Historians have for years been mining Pepys' insights about details of everyday life during the seventeenth century, as he documented the coronation of King Charles II and the Restoration, the Anglo-Dutch war, the Great Plague, and the Great Fire of London. It is his descriptions of the London plague years of 1655-66 that we care about here.

The Great Plague of London killed between 75,000-100,000, roughly 20 per cent of the population. Pepys' diary is filled wth what might today be called, "hot takes:"

On hearing ill rumour that Londoners may soon be urged into their lodgings by Her Majesty’s men, I looked upon the street to see a gaggle of striplings making fair merry, and no doubt spreading the plague well about. Not a care had these rogues for the health of their elders!

As noted above, on a clear weekend day I noted cars filled with people leaving the neighborhood… going where, exactly? And beheld the sight of a neighbor working out on another neighbor who had the good sense to hide behind a storm door while the sputum-deliverer held forth. I swear, had he crossed the street I'd have used a rake to oblige him to keep his distance.

Great fears of the Sickenesses here in the City, it being said that two or three houses are already shut up. God preserve us all.

We are all shut up in our houses now. Aside, that is, from a few states in the south and west who wish themselves part of the Neo-confederacy. Persuading an entire country to voluntarily stay at home is not easy, and without clear direction from an unwilling White House, mayors, governors, and business owners have rolled their own.

Thus this month ends, with great sadness upon the public through the greateness of the plague, everywhere through the Kingdom almost. Every day sadder and sadder news of its increase. In the City died this week 7496; and all of them, 6102 of the plague. But it is feared that the true number of the dead this week is near 10000 – partly from the poor that cannot be taken notice of through the greatness of the number, and partly from the Quakers and others that will not have any bell ring for them. As to myself, I am very well; only, in fear of the plague, and as much of an Ague, by being forced to go early and late to Woolwich, and my family to lie there continually.

The death toll in the US as of this writing is over 9100. The number of US confirmed cases is over 321,000. Look for these rates to double every three days until the disease peaks. Soon, most everyone in the US will know someone who has been infected. Like 9/11, the pandemic has already imprinted itself upon our psyche as a defining moment.

The pandemic has shattered the myth of American "greatness." As the first among equals of rich, strong, developed nations, the supremacy of American health care is held as an article of faith. That illusion has been shattered. In spite of months of advance warning as the virus tore through other countries, when America was finally tested by COVID-19, it failed.

Countries like South Korea, Singapore, and Hong Kong followed the playbook: develop a test, use it to identify the infected, isolate them, and trace those they’ve had contact with. Wash, rinse, repeat. As Alexis Madrigal and Robinson Meyer reported, the CDC developed and distributed a faulty test in February. No one could have imagined that as the American caseload shot into the tens of thousands, only hundreds of people would be tested. This created an epidemiological hole from which we have never emerged. Lack of a reliable test deployed early enough is the single point of failure that undermined every other countermeasure, and that has led to the immutable, exponential math.

Bet your mortgage that the impacts on economic, social and political aspects of our lives from coronavirus will be long lasting. And compounded, given the chaos, corruption, and cronyism that heralded our blundered entry into this crisis. Few have ever seen anything like this, and only a few cranks and miscreants (aside from professional planners) have even bothered to contemplate it.

The London plague continued into 1666.

Thanks be to God, the plague is, as I hear, encreased but two this week; but in the country in several places it rages mightily, and particularly in Colchester, where it hath long been, and is believed will quite depopulate the place.

Italy and Spain offer grim warnings about an American future. Hospitals are rapidly running out of room, supplies, and staff. Health-care workers are already seeing dwindling equipment, growing waves of patients, with doctors and nurses themselves becoming ill. And they are operating without a gaunt, shiny-faced, porcelain-doll wannabe-Dauphin to bollix up supplies of medical equipment, and to MBAsplain coronavirus to the nation's Governors. Trump and Bolton terminated the Pandemic staff and have given the portfolio to Richie Rich for on-the-job training. God help us all.

By 1667 Pepys' plague had burnt out, but still lived in recent memory:

One at the table told an odd passage in this late plague: that at Petersfield, I think, he said, one side of the street had every house almost infected through the town, and the other, not one shut up.

During a time of "social distancing," we are reduced to staring off the porch or out the window. Like the denizens of Plato's cave, we watch the electronic shadows dance off the wall, while we attempt to make sense of them. Even more difficult is imagining how we might begin to recover from a virtual shutdown of economic life. As we try to restart an all-but-stopped economy dependent upon an engine of ceaseless consumption, we run the risk of renewed disease flareups as seen in China, Singapore, and other Asian countries that briefly seemed to have the virus under control. All it takes is one case to reignite fresh infections.

My best guess is that until a vaccine can be produced (probably 18 months), we'll continue to play a protracted game of whack-a-mole with the virus, stamping out outbreaks as they occur.

The slow response to the virus by some Trumpophile governors will be telling. Virus hot spots in are South poised for disproportionate suffering. With many Southern states only recently implementing stay-at-home orders, there is a chance that a later wave of infection could swamp local facilities. Even sparsely populated counties could soon have more cases than their health care systems can handle.

“There is no city anywhere in the world that can withstand the outbreak that would occur if there isn’t rigorous social distancing,” said Tom Frieden, a former Centers for Disease Control and Prevention director.

In Virginia, the governor is both a Democrat and a physician, so he imposed social distancing earlier than some. But some children of privilege and exception haven't taken it seriously.

The Columbia University model also identified the area around Hampton Roads and Newport News, Va., at risk of having its health infrastructure swamped. Though the number of cases in those counties is currently low, Virginia is not expected to experience peak conditions until late May, and has so far received just a tiny fraction of the medical equipment requested from the federal government.

On Friday, state leaders confirmed that the tidewater region has some of the highest community spread in the state, and that it would be one of three areas designated for a field hospital to take pressure off the local medical system. The ��alternate care” site in the Hampton Roads Convention Center will be able to hold up to 360 acute care beds or 580 non-acute beds, Gov. Ralph Northam said.

This Week in Doom:

Like the pandemic itself, the economic effects are just getting started. Strap in. Nobel-winning economist Paul Krugman sees unemployment soaring to 20% in a matter of weeks.

WE'RE NUMBER ONE! The US just recorded the highest single-day death toll in the world

Just when you thought it might be safe to peek out off your bunker… this asshole, again. Robertson Blames Coronavirus On Oral Sex, ‘Lady Chemicals’

Amid reports that the federal stockpile of medical supplies is “nearly exhausted” and production of new equipment is unlikely to come soon enough, it now appears that the Trump administration may be playing favorites, distributing supplies to political allies and states important for the president’s reelection campaign. How bad will the fallout be? Frank Rich: Trump’s Potemkin Recovery

Karma Comes to Cousinfuck Country. Mississippi Now Has the Highest Rate of Coronavirus Hospitalizations in the United States

Are there no lampposts? No nylon rope? New disclosure reveals Sen. Kelly Loeffler and her husband dumped retail stock and bought shares in a company that manufacturers medical supplies. Loeffler and her husband dumped hundreds of thousands in stocks before the market dropped over the coronavirus outbreak.

Trump's budget director stands by plan to cut CDC budget by 15 percent during the coronavirus pandemic The acting director of the OMB seemed unperturbed when asked about if it was wise to cut the CDC during a pandemic.

Karma, your table is ready. Liberty University Brings Back Its Students, and Coronavirus Fears, Too

Americans are doing what they do best: buying guns

For unbiased information, Just found this. No interpretations, no politics. Just data, visualized: https://covid19.healthdata.org

Stay informed and protect your own.

Surly1 was an administrator and contributing author to Doomstead Diner. He is the author of numerous rants, screeds and spittle-flecked invective here and elsewhere. He lives a quiet domestic existence in Southeastern Virginia with his wife Contrary. Descended from a long line of people to whom one could never tell anything, all opinions are his and his alone, because he paid full retail for everything he has managed to learn.

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mideastsoccer · 4 years ago

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Will They or Won’t They? Saudi Recognition of Israel is the $64,000 Question

Will the Saudis formalize relations with Israel or will they not? That is the 64,000-dollar question.

Saudi Crown Prince Mohammed bin Salman and Bahrain's King Hamad bin Isa Al-Khalifa during wide ranging talks at Bahrain's Sakhir Air Base in 2018 (Photo via Saudi Gazette)

The odds are that Saudi Arabia is not about to formalize relations with Israel. But the kingdom, its image tarnished by multiple missteps, is seeking to ensure that it is not perceived as the odd man out as smaller Gulf states establish diplomatic relations with the Jewish state.

Bahrain’s announcement that it would follow in the footsteps of the United Arab Emirates was as much a Bahraini move as it was a Saudi signal that it is not opposed to normalization with Israel.

Largely dependent on the kingdom since Saudi troops helped squash mass anti-government protests in 2011, Bahrain, a majority Shia Muslim nation, would not have agreed to establish diplomatic relations with Israel without Saudi consent.

The Bahraini move followed several other Saudi gestures intended to signal the kingdom’s endorsement of Arab normalization of Israel even if it was not going to lead the pack.

The gestures included the opening of Saudi air space to Israeli commercial flights, and publication of a Saudi think tank report praising Crown Prince Mohammed bin Salman’s stewardship in modernizing the kingdom’s religious education system and encouraging the religious establishment to replace“extremist narratives” in school textbooks with “a moderate interpretation of Islamic rhetoric.”

They also involved a sermon by Abdulrahman al-Sudais, the imam of the Grand Mosque in Mecca – the world’s largest mosque that surrounds the Kaaba, Islam’s holiest site, that highlighted Prophet Mohammed’s friendly relations with Jews.

Mr. al-Sudais noted that the prophet had “performed ablution from a polytheistic water bottle and died while his shield was mortgaged to a Jew,” forged a peace agreement with Jewish inhabitants of the Khaybar region, and dealt so well with a Jewish neighbor that he eventually converted to Islam.

The imam’s comments, a day before US President Donald J. Trump was believed to have failed to persuade King Salman to follow the UAE’s example, were widely seen as part of an effort to prepare Saudi public opinion for eventual recognition of Israel.

Criticism on social media of the comments constituted one indication that public opinion in Gulf states is divided.

Expression of Emirati dissent was restricted to Emirati exiles given that the UAE does not tolerate expression of dissenting views.

However, small scale protests erupted in Bahrain, another country that curtails freedom of expression and assembly. Bahraini political and civil society associations, including the Bahrain Bar Association, issued a statement rejecting the establishment of diplomatic relations with Israel.

“What results from normalization will not enjoy popular backing, in line with what generations of Bahrainis have been brought up on in terms of adherence to the Palestinian cause,” the statement said.

Bahrain has long been home to a Jewish community and was the first and, so far, only Arab state to appoint a Jew as its ambassador to the United States.

The criticism echoes recent polls in various Gulf states that suggest that Palestine remains a major public foreign policy concern.

Polling by David Pollock of The Washington Institute for Near East Policy found that Palestine ranked second to Iran.

Earlier polls by James Zogby, a Washington-based pollster with a track record that goes back more than a decade, showed Palestine ranking in 2018 as the foremost foreign policy issue followed by Iran in Emirati and Saudi public opinion.

The same year’s Arab Opinion Index suggested that 80 percent of Saudis see Palestine as an Arab rather than a purely Palestinian issue.

Mr. Pollock said in an interview that with regard to Palestine, Saudi officials “believe that they have to be a little cautious. They want to move bit by bit in the direction of normalizing at least the existence of Israel or the discussion of Israel, the possibility of peace, but they don’t think that the public is ready for the full embrace or anything like that.”

Gulf scholar Giorgio Cafiero noted in a tweet that “Israel formalizing relations (with) unelected Arab (governments) is not the same as Israel making ‘peace’ [with] Arab people. Look at, for example, what Egypt’s citizenry thinks of Israel. Iran and Turkey will capitalize on this reality as more US-friendly Arab [governments] sign accords [with] Israel.”

This year’s Arab Opinion Index suggest that in Kuwait, the one country that has not engaged with Israel publicly, Turkey—the Muslim country that has taken a lead in supporting the Palestinians—ranked highest in public esteem compared to China, Russia, and Iran.

A rift in a UAE-backed Muslim group created to counter Qatari support of political Islam and promote a state-controlled version of Islam that preaches absolute obedience to the ruler serves as a further indication that Palestine remains an emotive public issue.

In Mr. Al-Sudais’ case, analysts suggest that the criticism is as much about Palestine as it is a signal that religious leaders who become subservient to the whims of government may be losing credibility.

Mr. Al-Sudais’ sermon contrasted starkly with past talks in which he described Jews as “killers of prophets and the scum of the earth” as well as “monkeys and pigs” and defended Saudi Arabia’s conflict with Iran as a war between Sunni and Shiite Muslims.

The criticism coupled with indications earlier this year that Saudi Arabia’s religious establishment was not happy with Prince Mohammed’s handling of the coronavirus pandemic may be one reason why Saudi Arabia is gesturing rather than formalizing already existing relations with Israel.

Authorities reportedly arrested in March Sheikh Abdullah al-Saad, an Islamic scholar, after he posted online an audio clip criticizing the government for banning Friday prayers. Mr. al-Saad argued that worshippers should be able to ask God for mercy.

An imam in Mecca was fired shortly after he expressed concern about the spread of the coronavirus in Saudi prisons.

Scholars Genevieve Abdo and Nourhan Elnahla reported that the kingdom’s Council of Senior Clerics had initially drafted a fatwa, or religious opinion, describing the closing of mosques as a violation of Islamic principles. They said that government pressure had persuaded the council not to issue the opinion.

Concern among the kingdom’s ultra-conservative religious scholars that the ruling Al-Saud family may break the power-sharing agreement with the clergy, concluded at the birth of the kingdom, predates the rise of King Salman and Prince Mohammed.

Indeed, the clerics’ concern stretches back to the reign of King Abdullah and has focused on attitudes expressed both by senior members of the ruling family who have since been sidelined or detained by Prince Mohammed and princes that continue to wield influence.

The scholars feared that the ruling family contemplated separating state and religion. This is a concern that has likely been reinforced since Prince Mohammed whipped the kingdom’s religious establishment into submission and downplayed religion by emphasizing nationalism.

Ultra-conservative Saudi religious scholars are also certain to have taken note of post-revolt Sudan’s recent decision to legally remove religion from the realm of the state.

Ultra-conservative sentiment does not pose an imminent threat to Prince Mohammed’s iron grip rule of a country in which many welcomed social reforms that have lifted some of the debilitating restrictions on women, liberalized gender segregation, and the as yet unfulfilled promise of greater opportunity for a majority youthful population.

It does however suggest one reason why Prince Mohammed, who is believed to favor formal relations with Israel, may want to tread carefully on an issue that potentially continues to evoke passions.

An initial version of this story was first published by Inside Arabia

A podcast version of this story is available on Soundcloud, Itunes, Spotify, Stitcher, TuneIn, Spreaker, Pocket Casts, Tumblr, Podbean, Audecibel, Patreon and Castbox.

Dr. James M. Dorsey is an award-winning journalist and a senior fellow at Nanyang Technological University’s S. Rajaratnam School of International Studies in Singapore. He is also a senior research fellow at the National University of Singapore’s Middle East Institute and co-director of the University of Wuerzburg’s Institute of Fan Culture in Germany.

#saudi arabia #uae #bahrain #Israel #United States #middle east

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ratiram · 5 years ago

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“Listing of REIT’s in Saudi Arabia’s Stock Market coupled with Revision in Mortgage Law in which Loan to Value Ratio increased to 90.0% have driven the Saudi Arabia Real Estate Market”

Revival of Cinemas in the region: AMC Entertainment in collaboration with The Development and Entertainment Investment Company (DEIC) launched the Kingdom’s first cinema in 2018. Operators such as Cinépolis will open 6 movie theaters in country, with first in Lulu Mall, Dammam, in 2019, four scheduled for 2020 and the sixth for 2021, other operators including VOX Cinemas and Next Generation are also opening movie theaters in the region. This has motivated several other local developers to sign agreements with cinema operators from across the region to open cinema multiplexes and offer a diverse selection of entertainment outlets to customers. This has led to huge opportunities especially in the retail sector with development of shopping entertainment or “shoppertainment”.

Boosting of the New Industries: In December 2018, King Salman Energy Park (Spark) a project developed by Saudi Aramco in partnership with the Saudi Authority for Industrial Cities and Technology Zones, located in the Eastern Province was inaugurated. This park has five main regions that focus on general manufacturing, liquids and chemicals, metal formation and industrial services. It is expected that this park will make a contribution of SAR 22 Billion by 2035 in the GDP. This will fuel the demand for commercial and industrial real estate with increase in foreign investment and private sector participation.

Improving House Ownership Scenario: Government is working on tackling the housing gap in the Saudi region. For this they have launched several initiatives, for instance in 2018, The Ministry of Housing in partnership with the Real Estate Development Fund (REDF) funded ‘Sakani’ program with the aim to provide 300,000 residential support units throughout the region. The ministry signed five agreements with four property developers to set up the villas and townhouses.

The report titled “Saudi Arabia Real Estate Market Outlook to 2025 – By Retail Real Estate Market (Super-Regional Malls, Regional Malls and Community Centre), By Hotel Real Estate Market (3 Star, 4 Star, 5 Star and Other Hotels),By Office Real Estate (Premium Offices Grade A and Grade B) and Residential Real Estate Market (Apartment, Villas, Traditional Houses and Others)" by Ken Research suggested that the Saudi Arabia Real Estate market has been increasing due to government initiatives to increase the contribution from non oil sectors in economy. Moreover, various construction activities will take place by public and private partnership; foreign investors will enter the market as it is one of the most growing countries in the GCC and Middle East region. The maximum growth will happen in supply of hotel rooms which are expected to witness a seven year CAGR of 10.0% during the forecasted period 2019-2025.

Key Segments Covered

Saudi Arabia Retail Real Estate Market

By Type:

Super-Regional Malls

Regional Malls

Community Centers

By Geography:

Riyadh

Jeddah

DMA

Makkah

Saudi Arabia Hotel Real Estate Market

By Type:

3 Star Hotels

4 Star Hotels

5 Star Hotels

Others (Less than 3 Star Hotels)

By Geography:

Riyadh

Jeddah

DMA

Makkah

Saudi Arabia Office Real Estate Market

By Type:

Premium Office

Grade A Office

Grade B Office

By Geography:

Riyadh

Jeddah

DMA

Saudi Arabia Residential Real Estate Market

By Type:

Apartments

Villas

Traditional Houses

Floor in a Villa

Others (Floor in a Traditional House)

By Geography:

Riyadh

Jeddah

DMA

Makkah

Key Target Audience

Real Estate Developers

Independent Investors

Real Estate Consulting Companies

Third Party Real Estate Companies

Independent Architects

Government Associations

Government Agencies

Time Period Captured in the Report:

Historical Period - 2013-2018

Forecast Period - 2019-2025

Companies Covered:

Property Finder (Including JRD Group)

Emerging Market Property Group (Bayut.SA)

Aqarmap

Dar Alarkan Real Estate Development Co.

Taiba Investment Company

Jabal Omar Development Company

Kingdom Holding Company

Saudi Real Estate Company (Al-Akaria)

Arriyadh Development Co

Ewaan Global Residential Company

Al Saedan Real Estate Company

Key Topics Covered in the Report

Executive Summary

Research Methodology

Real Estate Market Scenario in Saudi Arabia, 2013-2018

Macro Economic Overview of Saudi Arabia

Overview of Retail in Saudi Arabia

Factors Inflecting Retail Real Estate Sector in Saudi Arabia

Current and Future Retail Demand and Supply, 2013-2025F

Supply and Demand Gap, 2013-2025F

Saudi Arabia Retail Real Estate Market Regional Landscape

Retail Market Outlook, Opportunities and Future Development Trends

Saudi Arabia Retail Market Future Outlook

Saudi Arabia Key Upcoming Malls

Future Trends in Retail Market

Saudi Arabia Retail Market Success Factors Recommendations

Saudi Arabia Retail Space Key Features and Characteristics

Saudi Arabia Case Studies of Major Retail Centers

Saudi Arabia Hotel Real Estate Market Overview

Factors Influencing Hotel Sector in Saudi Arabia

Saudi Arabia Current and Future Hotel Supply and Demand, 2013-2025F

Supply and Demand Gap, 2013-2025F

Saudi Arabia Hotel Real Estate Market Regional Landscape

Saudi Arabia Hotel Market Outlook, Opportunities and Future Development Trends

Key Features and Characteristics of Hotels in Saudi Arabia

Saudi Arabia Key Expected Hotel Projects

Saudi Arabia Hotel Market Potential Gaps

Saudi Arabia Recommendations Regarding Success Factors of Developing Hotels

Saudi Arabia Case Study of Major Hotels

Saudi Arabia Office Real Estate Market Overview

Factors Influencing Office Sector in Saudi Arabia

Saudi Arabia Current and Future Office Supply and Demand, 2013-2025F

Supply and Demand Gap, 2013-2025F

Saudi Arabia Office Real Estate Market Regional Landscape

Saudi Arabia Offices Key Features and Characteristics

Saudi Arabia Key Expected Upcoming Office Projects

Saudi Arabia Office Market Gap Analysis

Saudi Arabia Office Market Recommendations Regarding Success

Saudi Arabia Office Market Future Outlook, Opportunities and Development Trends

Saudi Arabia Co-Working Office Space Snapshot

Saudi Arabia Case Studies of Major Office Complexes

Factors Influencing Residential Sector in Saudi Arabia

Supply-Demand Gap, 2018

Saudi Arabia Residential Real Estate Market Regional Landscape

Saudi Arabia Residential Real Estate Market Gap Analysis

Saudi Arabia Recommendation Regarding Success Factors of Developing Residential Market

Saudi Arabia Residential Market Future Outlook, Opportunities and Development Trends

Saudi Arabia Key Upcoming Residential Projects

Key Features and Characteristics of Residential Sector in Saudi Arabia

Existing Housing Typologies in Saudi Arabia

Saudi Arabia Construction Costs, 2018

Saudi Arabia Online Real Estate Market Snapshot

Saudi Arabia Real Estate Online Portals Business Model

Saudi Arabia Online Real Estate Major Players ( Property Finder (Including JRD Group, Emerging Market Property Group (Bayut.SA) and Aqarmap)

Saudi Arabia Real Estate Market Competition Scenario

Saudi Arabia Real Estate Market Major Real Estate Developers Profiles (Dar Alarkan Real Estate Development Co., Taiba Investment Company, Jabal Omar Development Company, Kingdom Holding Company, Makkah Construction and Development Co)

For more information on the research report, refer to below link:

Saudi Arabia Real Estate Market

Related Reports

Australia Real Estate Market Outlook To 2023 – By Residential (Apartment & Villas), By Retail (Regional, Sub-Regional, Neighborhood, CBD, Large Format Retail And Others), By Office (Grade A, Grade B And Premium Offices) And By Hotel (3 Star, 4 Star, 5 Star And Other Hotels)

Singapore Real Estate Market Outlook to 2023 - By Residential Market (New Sales, Re-Sales and Sub-Sales), By Retail Market (Private and Public Retail Space), By Office Market (Private and Public Office Space) and By Hotel Market (Gazetted and Non-Gazetted Hotels)

Hungary Real Estate Market Outlook to 2022 - by Residential (Dwellings Constructed by Regions, by Builders Type, Holiday Units Constructed by region, Dwellings Leased by Regions, Dwellings Sold by Regions), by Commercial, Retail and Hotel

Ken Research

Ankur Gupta, Head Marketing & Communications

[email protected]

+91-9015378249

#نمو سوق العقارات في المملكة العربية السعودية

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fineillsignup · 8 years ago

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I'm one of those readers that aren't mad about the ships,honestly they're a low standard.What I am fucking mad about is that kishi inserted the concept of peace into the story.How would the story work if that happened?What conflict would there be for a story?Making an effort for peace, but are the shinobi really suited for such a task?Doesn't their economy thrive on conflict?Missions focus on assassinations,information retrieval,politicians one upping each other? That sort of thing?

I’m really glad you asked that anon because that’s become one of the driving forces behind my story Your Most Important Person.

I don’t know why I can’t write simple id-scratching trope fiction, but for some reason I seem to be incapable of it. So much like Heart Under a Blade quickly became “can an ABO fic treat female characters better than canon?”, YMIP has somehow become “can a soulmates AU have more coherent and satisfying worldbuilding and societal development than canon?”

And the big question is, suppose Kishimoto didn’t rely on aliens to supply external conflict in a supposedly peaceful society? What would be a logical next big obstacle for Naruto & friends? Suppose Kishimoto didn’t ignore that the Konoha shinobi forces have been cut by at least 75% in five years and that hardly any shinobi have kids? How would they handle that challenge? Suppose Kishimoto didn’t only remember that the shinobi economy is based on war and unrest when he can use it to mock a female character (Tenten’s failing shop and Sakura’s mortgage)? How would the shinobi world adjust? Suppose Kishimoto didn’t sacrifice the other characters’ principles, hopes, dreams, and motivations in order to let Orochimaru continue to experiment on children? What would that open up?

These questions all have more than one possible answer of course. Some possible answers (spoilers for YMIP) under the “read more”.

1. Just because there isn’t war, doesn’t mean that petty conflict goes away. By petty I mean gangs, illicit trade, murders, kidnappings, etc. Even in canon, we see plenty of missions that aren’t war-derived. So I think that the downturn in business is exaggerated, especially when we get to point two.

2. Kishimoto loves to tell the reader that lots of ninja die in this or that conflict, but it never makes any impact because the dead ninja don’t have any connection to any named character and very little impact on the story outside of it being the supplied reason why Shikamaru has to scramble together genin to get back Sasuke. If the drop in personnel were realistic, the problem wouldn’t be that there wasn’t enough business, the problem would be that there weren’t enough shinobi to complete business.

3. Orochimaru being allowed to basically do what he wants post-699 is some bullshit let me tell you. Not only isn’t he remorseful for anything he’s done, he doesn’t show any sign of having decided to amend his behaviour in the future, other than a vague statement that he wants to observe. Surprise! As of Boruto, he’s still performing involuntary medical experiments on human beings! Team Taka and Yamato also have to atrophy and languish for this.

Giving second chances and redeeming villains is a noble idea, but redeeming has to involve actual redemption. A supposed redemption where an abuser is happy and his former victims are all not only extremely unhappy but also watching him abuse new victims is not a redemption. I can’t believe I have to point that out, but there it is.

But given that canon says that Orochimaru is basically contained within every curse seal, and given the number of curse seal victims we saw spilling out of Orochimaru’s prisons, eliminating Orochimaru from the world would be a big challenge... gosh, you might say that it’s the kind of long-term, potentially episodic monster-of-the-week challenge that suits a series like Naruto down to the ground.

Some other plotlines this opens up:1. Suigetsu’s quest for the swords2. Actual control of Juugo’s curse, which is a plot hole in Boruto. If only Sasuke can control him and Sasuke buggers off to “atone”, what the hell kind of agony has Juugo been going through?! Because you know Orochimaru doesn’t give a fuck about Juugo or anyone Juugo might kill in his rages.3. KARIN DESERVES TO LIVE HER OWN LIFE DAMMIT and I want to see Naruto and Karin connect too4. Yamato just wants to belong and be acknowledged and included oh my goodness protect this precious wooden baby

4. Ninja world demographic collapse. Yes hello this is my pet peeve but really. REALLY. You cannot just apply a birth rate less than that of modern Singapore to a high death rate society like Naruto’s and expect everything to be hunky dory. I feel like a lot of people choose to willfully suspend disbelief on this one because they also aren’t interested in large families but it really bothers me let me tell you. Especially because can you get a more pro-natalist philosophy than everyone chattering about unborn children as the “kings” of Konoha?! It’s just so contradictory that it drives me absolutely bazonkers.

A lot of anti-ending people repeat the line that “everyone gets hetero paired off” in Naruto 700 but this just doesn’t match the facts. Kishimoto doesn’t pair off anyone he can get away with not pairing off in order to produce a kid for the Boruto cast, with the one exception of Kiba, whom he pairs with the cat girl for the laughs. Everyone has one kid, at the exact same time. Naruto, as the old main character, gets rewarded with a bonus younger sibling for the new main character. The teacher generation? No new couples. No new kids. Not to mention that in Naruto’s generation, everyone is either an only child or has one sibling max.

In a world where people genetically inherit superpowers and clan identity is strong, this kind of reproductive pattern just makes no sense.

A more coherent Naruto ending would have to deal with this issue, especially coupled with the 75%+ reduction in shinobi in five years.

5. It’s not like shinobi powers only have deadly applications!!!! Medical ninjutsu is obvious, but almost all the powers have peaceful applications if you think about it. Aburame could use insects to pollinate plants effectively. Inuzuka animals are the best search and rescue. Yamanaka as psychologists, healing minds. Genjutsu entered into consensually for entertainment. Yamato’s Wood Release’s practical applications we all know already; presumably Lava Release and similar could do similar things in stone and other mediums. There’s nothing stopping people from developing more and more peaceful jutsu.

6. The daimyo power structure has outlived its agency. In a more logical post-699, I would foresee the Hidden Villages taking over their nations outright.

I’ll leave it there, but there is soooooo much potential for new plot, exciting plot, in a war-free Naruto. Not to mention stuff like tournaments. I’ve barely scratched the surface here.

#i should have a tag for asks #worldbuilding #ask me about ninja birth rates #pet peeves #i can turn any question into a question about my pet peeves #lazy writing #anti-naruto ending #naruto

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gotweb · 5 years ago

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How To Deduct Commissions And Fees On Schedule C, Line 10

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panagapnhs · 6 years ago

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02> White Rajah’s price for the Brunei throne

By Dr. B. A. Hussainmiya

Sultan Hashim Jalilul Alam refused to give up Brunei or abandon his dynasty, although the country suffered abuses even after the so-called British Protection under the 1888 Treaty.

OUR COUNTRY … Schoolgirls happily waving the Brunei flag. Brunei almost ceased to exist as a sovereign entity early last century, but for the foresight of Sultan Hashim.

Part II (Why did Brunei accept British Protection in 1906?)

In the wake of recurrent disturbances in the Tutong District in 1901, time had come for the British Foreign Office for resolute action as to the future of Brunei. It was to be nothing but a final act, a fait accompli, for dismembering the sultanate. Rajah Brooke in the neighbouring Sarawak was waiting in the wings for the windfall.

Bad feed back on Brunei engineered by pro-Brooke sources flowed ceaselessly into the British circles. First, the Brunei people in the rebellious districts of Belait and Tutong were allegedly have opted for Sarawak Rajah rule, because it was portrayed as a better government and not burdening the people with undue taxation. Second, the truncated Brunei, after the loss of Limbang in March 1890, was seen as a barren and wasteland to be better managed by the Sarawak Rajah. Third, complaints by a couple of thriving Chinese shop keepers/money lenders (registered in Labuan as the British subjects) operating in Brunei town about indiscretion by some members of the palace were taken seriously to prove that Brunei was not the safe place for free trading. Fourth, Brunei was hopelessly becoming bankrupt with speculators scrambling to grab concessions, monopolies, mortgages and rights for taxation from the hapless royal family. Fifth, a cynical view spread as if Sultan Hashim Jalilul Alam and his ministers were expecting better price for the surrender of Brunei than the sum offered to them by the Rajah Brooke. Lastly, the Sultan Hashim was suspected of coveting other foreign powers to the detriment of the British interest and so on.

Most of these were exaggerated accusations no doubt. In fact another British official – impartial to the bone – was soon to refute these misconceptions that will be discussed in the next part of this series.

But justice was always on the side of the Brunei Sultan. No one seemed to have appreciated the deep wounds he was nursing in his mind as a proud scion of the ancient Brunei kingdom. His faith in the British fair play was shaking all the while. True, his forefathers had made the carnal mistake of hiring a foreigner – James Brooke – to manage part of their outlying province of Kuching in the throes of a rebellion as early as 1841. But the last remnants of Brunei territory had to be saved notwithstanding the loss of the other territories due to the fault of the palace policies. Since the unjustified annexation of Limbang, the rice bowl of Brunei, Sultan Hashim was disinclined to negotiate any land deals.

He and his people faced extreme hardship in living. Economic opportunities in the State, if any, had been wiped out. For instance, almost all the four sago factories in Brunei had been closed down by 1904 as the trade shifted from Limbang to Kuching. Only a small cutch factory was operating on the bank of the Kampong Ayer, and its European manager, Edmund Roberts commanded gratitude from the Sultan for supplying wooden planks to repair the steps of his rickety palace. The manager, who was secretly conspiring behind the back of the Sultan not only became his adviser, but also even given a seat in the newly created State Council!

Under a calamitous situation, the Sultan adamantly refused to give up country or abandon his dynasty. On the other hand, if Brunei suffered abuses even after the so called British Protection under the 1888 Treaty blame fell largely on Britain as highlighted by Sultan Hashim’s letter in 1904 to the British monarch King Edward VII about the prejudiced attitude of the British Consuls, especially G. Hewett, a staunch Brooke supporter who wanted to see the end of Brunei. He advocated strongly the Sarawak option and met the sultan in 1902/03 to work out the surrender of the remaining Brunei territories for fixed sums to be paid by Brooke to the Sultan and to his Minister.

The deal worked out something like this; the Sultan to receive $12,000, and the Pengiran Bendahara and Pengiran Pemancha $6,000 each, half of these amounts being paid to their descendants after their deaths. The Sultan and the remaining two Wazirs were to retain their honours and titles and would be entitled to annual pensions. It must be remembered that Brooke did not settle the cession money of $6,000 for Limbang, partly because the Sultan refused to accept it, and partly because Brooke was already deducting monies owed by the palace to some debtors in his territory. It became more than clear money was not the issue for the Sultan to give up his beloved country.

Consul Hewett resorted to unauthorised gunboat diplomacy, but Sultan Hashim stood the ground.

In a final bid to transfer Brunei to Sarawak ownership, the London Foreign office suggested to the Rajah Brooke to raise the offer of compensation to the Brunei palace and to settle the outstanding cession money for the Limbang territory. An overconfident Brooke haughtily replied that Sarawak’s revenues could not afford any increase in the offer he had already made for the country. This ended in the recall of the prejudiced and ill-behaved British Consul Hewett to London in 1904.

At last Sultan Hashim’s intransigence paid off in preserving his dynasty and his country. He was not without supporters in the British circle. Previously C. P. Lucas, an under-secretary of state in the British Colonial Office minuted his disapproval of the Sarawak option, and instead recommended the installation of a British Resident to oversee Brunei administration.

The Governor of British North Borneo, E. W. Birch, a seconded officer from the Malayan service made the similar suggestion.

Meanwhile, The Straits Times had highlighted the accusations that the Government planned to hand over Brunei to Sarawak. And, Consul Hewett in 1903 had inadvertently drawn the British attention to the presence of oil in Brunei, and that made the officials show further interest in Brunei. Thus a new approach was to be made to clear the confusion. The British Government needed another urgent study about the Brunei question. The Malayan establishment undertook to send their High Commissioner to the Malay States/Governor of Singapore to proceed to Brunei.

Sir Frank Swettenham was earmarked but he was due to go on retirement and hence could not undertake the trip in 1902. But he advised the HM Government in August 1903: “I am more inclined to advise you to leave Brunei alone, but to instruct the (British) Consul to live in Brunei (instead of Labuan) and to endeavour to secure the sympathies of the Sultan and his people and give them good advice, being strictly impartial in all his dealings.”

The next officer to visit Brunei from the British Malaya in 1904 was going to change the history of Brunei by writing a most fair report that sealed the British approach finally in preserving the dynasty of Sultan Hashim.

TO BE CONTINUED

(The writer is an Associate Professor of History at Universiti Brunei Darussalam. He can be contacted by e-mail: [email protected])

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yesdeepestdeerbouquet-blog · 7 years ago

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Survival method - industrial difficult Money

12. Mortgage Insurance Premium: The lender may require you to pay your first year's mortgage insurance premium or a lump sum premium that covers the life of the loan, in advance, at the settlement. Here is how a typical hard money loan is structured. The lender will order an appraisal of the house you intend to buy and they will request two values. They want to know the as-is value as well as the after-repaired value (ARV). They will loan you a percentage of the ARV which is how they are able to reimburse you for repairs. For example, the as-is value is $100,000 and the after-repaired value is $200,000. If they loan you 65 % of the ARV then they will loan you up to $130,000 dollars. This leaves you $30,000 to put towards repairs on the house. Buying pre foreclosure homes is a great way to build your portfolio of properties and build your net worth. You could get the money from a private lender, a hard RM. RENGANATHAN MONEYLENDER singapore or a mortgage company. Make any big purchases prior to applying for your mortgage. money lender singapore hold off on the new car, fancy jewelry or big screen Tv. Lenders won't be too fond of seeing a shiny new car in the parking lot along with stacks of credit card bills when you go to apply for a singapore loan borrowers. Probably 90% of all ordinary home sales are licensed money lenders macpherson this way. You Borrow $95,000 to buy a home that appraises for $100,000. You bring $3000 to closing to pay the loan origination fee. licensed moneylender singapore bring $5000 to closing for your down payment as required by FHA. You bring $3000 more to closing to cover everything else, like the attorney's fee, courier fees, processing fees, appraisal fees, taxes, insurance, more fees, and... you get the idea. PLATINUM CREDIT reviews There is a reason most banks will not grant you an account: The reason you have been rejected for a new bank account has nothing to do with your credit score. Rather, it is because CREDIT KING singapore name has been referred to something called Chex Systems. This is a database for people who banks think are "risky" bank customers. http://www.moneylenderreview.com.sg/list-of-moneylenders/categories/moneylender-joo-chiat is: if your name appears in Chex Systems, you will not be able to get approved for a bank account from most banks. Hard singapore money lendings care about the deal. This is one major reason why a hard GT CREDIT is faster than banks and other traditional lenders is issuing credit. Traditional lenders assess borrowers based on their creditworthiness, or the capability to repay loans. This means you must show a proof of income and a good credit score to get cash. This is a tedious process banks are willing to take. A hard singapore money lending, on the other hand, cares about the project you have in hand. For TUR MOHAR MONEY LENDING , if you plan to flip a house, he will examine the property you will rehab. If he sees the profitability of your project, he will fund it. After all, his profit will depend on yours. The amount of money he will give you will depend on the ARV, or after repair value of the property. If you've determined that you are currently in an FHA insured moneylender joo koon, you may be the perfect candidate for an FHA Streamline. But what else would you need to start rolling toward a refi?

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fightingforfreedomblr · 7 years ago

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My New Year resolution of 2018

I came here to seek justice but until right now I still can’t get it. I thought Donald Trump maybe different because he can “Make America Great Again!” However, my reality is getting worse. So, I must continue to fight until I get it or I die in America.

-Word-of-God: Donald Trump has listed his many accomplishments in year 2017. Well, I do not want to comment for that. But I want to mention what he did in year 2017 related to my situation. During presidential campaign, he and all his Republican candidates always said: “Christian first; Politician second!” Really? If he really is, he should follow word-of-God to lead this nation. Has he? Let public make up their own minds. Moreover, does Bible say that “If any authority does anything wrong, sex is the remedy?” Absolutely none! But why he has hired local goons to force me to accept abject coercion-Sex as only way of remedy, otherwise I must die. On the contrary, from Luke 4:18: “God to set at liberty those who are oppressed.” Moreover, from Matthew 5:10: “Blessed are those who are persecuted for righteousness sake.”

-Freedom: Everyone loves freedom regardless of Democratic or dictatorship country. See, on Oct/6/2017, he said: “Communist is the Past. Freedom is the Future”. So, why he has mortgaged freedom future for his current soft dictatorship to force me to do something against my will? Moreover, his partial repeal ACT, which the key term is “No government mandate!” So, why he has abused his power to force me to do something against my will for government mandate?

-Democracy: Here I quote respected British Prime Minister Winston Churchill’s statement: “Democracy is not a good thing, but nothing is better than Democracy in the world.” Well, he showed frustration first but finally admitted that “Democracy is the best thing in the world.”

Absolutely! That’s why Trump administration sanctions “Ruthless Maduro regime” because he has behaved in un-democratic way to change Venezuela Constitution and cracked down free protest. So, why Trump has abused his power to force me to do something against my will?

-Human rights: If anyone with more than grade 8 to read U.S. Constitution, the core terms are human rights which are given by God. Moreover, according to Geneva Convention against Torture: Torture is absolutely prohibited! Ironically, America is a so-called country of champion of human rights. So, why U.S. government, California State government and City of Sacramento have worked in concerted to torture me, even deprive of my basic rights of food and sleep? Moreover, Trump said to the public that “he wants America to be a shining example of human rights in the world.” Really? Why I am worse than an animal in America? In addition, on Oct/22/2017, he sets up “National Emergency over severe human abuses and corruption around the world.” So, why I was assaulted sexually on Christmas Eve, he pretended nothing happened? Because U.S. government has best enhanced torture technique, such as, water-board to torture Guantanamo detainees. This so-called “Enhanced torture technique” has faced harsh criticism not only globally but also domestically. Here I quote Associate Justice of Supreme Court named Anthony Kennedy’s opinion about liberty “A threat to liberty-not only (or even especially) the liberties of Guantanamo detainees but those of all Americans.” I have done nothing wrong but am worse than Guantanamo detainees. “Annoyance, harassment, oppression, intimidation, death threat, assault, robbery, molest and rape in dark because doctors and pharmacists have worked together with local goons to make me unconsciousness, or you name it…” all have come together against me.

-Country nature: What most Americans are pound of? Freedom, democracy and rule of law. But now the nature of this country has been changed by Singapore government, China government and Canada government. U.S. government, California State government and City of Sacramento have been used and played by Singapore government, China government and Canada government to do so many bloody wrongs and deeply indebted to me. But on the contrary, U.S. government, California State government and City of Sacramento have made me a beggar. Moreover, I promote Americans values but U.S. government, California State government and City of Sacramento have treated me like a terrorist. Here I tell you Donald Trump, Jerry Brown and Darrell Steinberg: Take all the cups from Loaves &Fishes, otherwise I will use those cups as my weapon; take all chairs from Union Gospel Mission, otherwise I will use those chairs as my weapon; take off all books from shelves from SAC-PL, otherwise I will use those books as my weapon; clean all the streets, especially construction sites, otherwise I will use bricks, iron bars or others as my weapon. One more, hire extra police to spy me because I am dangerous.

Finally, Lee Hsien Loong, Donald Trump, Jerry Brown, Darrell Steinberg, David Brown, Raymond Cadei, and Thomas Warriner: I need not your “mercy”-dating those scumbags as only way to survive, save those scumbags for yourselves.

-International Community: As one of members of International Community, I want to condemn inhuman misconducts done to me by Singapore government and America governments (maybe more). I plead independent thinkers and responsible Americans and global citizens to stand up and speak out to defend our hard-earned universal values of “Freedom, Democracy and Rule of Law” and do not let them collapse and let Xi Jinping’s dictatorship, especially Lee Hsien Loong, Justin Trudeau and Donald Trump soft dictatorship no market in the world.

A good reputation for any government is good not only for Economy but for everything. If Donald Trump, Jerry Brown and Darrell Steinberg do not want to cherish reputation and want to “Make America Worse,” “Go for it.” Unfortunately, now there are abundant supplies in the world and competition is fierce in the world, “Made-in-America” is not the only product in town.

-God: Again, “Fear not and head up” because I am God’s people and God delivers me from evil and asks me to protest (DISGRACE AND SHAME on SINGAPORE and U.S. government!!) against evil for better world and better tomorrow. From Isaiah 41:11: “Behold, all those who were incensed against you shall be ashamed and disgraced. “ Moreover, Pastor Martin Luther King, Jr says: “It is the end of day if we become silent the thing that matters.” In Addition, first America gay bishop Gene Robinson says: “Not living your life, it is worse than death!” This miserable life is worse than death. However, I am not going to commit suicide otherwise I am entrapped by Lee Hsien Loong, Donald Trump, Jerry Brown, Darrell Steinberg, David Brown, Raymond Cadei, and Thomas Warriner.

I will keep trusting God until I get justice or I die based on God’s will because Jesus reigns in justice and in love!

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mikemortgage · 6 years ago

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Asian shares decline on concerns over global, China slowdown

SINGAPORE — Asian markets retreated Tuesday after the International Monetary Fund trimmed its global outlook for 2019 and 2020. The downgrade came after China said its economy grew at the slowest pace in 30 years in the last quarter of 2018. Wall Street was closed for a holiday on Monday.

KEEPING SCORE: Japan’s Nikkei 225 index shed 0.5 per cent to 20,622.91 and the Kospi in South Korea sank 0.3 per cent to 2,119.02. Hong Kong’s Hang Seng lost 1.2 per cent to 26,879.74. The Shanghai Composite index fell 1.1 per cent to 2,580.71. Australia’s S&P ASX 200 slipped 0.5 per cent to 5,858.80. Shares rose in Taiwan but fell in Singapore, Indonesia and the Philippines.

GLOBAL GROWTH: On Monday, the International Monetary Fund cut its 2019 global growth estimate to 3.5 per cent from 3.7 per cent, citing trade tensions and rising interest rates. It also revised its estimate for 2020 to 3.6 per cent, down from 3.7 per cent. IMF Managing Director Christine Lagarde, who presented the forecasts at the World Economic Forum in Davos, Switzerland, said the global economy was growing more slowly than expected amid rising risks. Earlier in the day, China reported its economy expanded by 6.6 per cent in 2018. This was the slowest pace of growth since 1990 and it fueled fears a trade dispute with Washington is putting a drag on the world’s second largest economy.

ANALYST’S TAKE: “Against the backdrop of refreshed woes over growth and U.S. markets having been away for the Martin Luther King Jr. Day, there leaves little to inspire Asia markets,” Jingyi Pan of IG said in a commentary.

ENERGY: U.S. crude lost 50 cents to $53.54 per barrel in electronic trading on the New York Mercantile Exchange. The contract added 3.3 per cent to $54.04 per barrel in New York. Brent crude, used to price international oils, dropped 67 cents to $62.07 per barrel. It closed at $62.74 per barrel in London.

CURRENCIES: The dollar eased to 109.42 yen from 109.65 yen late Monday. The euro slipped to $1.1357 from $1.1366.

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ronaldmrashid · 8 years ago

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What Percentage Of Americans Own Stocks Or Real Estate?

Now that the economy is on fire, all Americans should be rejoicing in their wealth, right? Wrong! Only 52% of Americans own any stocks according to a recent Gallup poll and only about 63% of Americans own real estate according to the Census Bureau, down from a high of about 69% in 2004. Given these figures, the bull market has left a lot of people behind.

According to the Federal Reserve, of the 10 percent of families with the highest income, 92 percent owned stocks as of 2013 (latest year for their study), the same level of ownership back in 2007. But ownership slipped for people in the bottom half of the income distribution.

The top 10 percent of Americans owned an average of $969,000 in stocks. The next 40 percent owned $132,000 on average. For the bottom half of families, it was just under $54,000. With over a 200% rise in the S&P 500 since 2009, the wealth gap has clearly widened.

The chart below shows stock ownership dropping from around 65.5% in 2007 down to 52% today, despite the massive rebound in the S&P 500. The main reason for the decline? Fear and distrust. Once burned, twice shy.

Although the decline in homeownership looks steeper than the decline in stock ownership, there’s only been a 6.3% move from peak to trough in real estate unlike the 13.5% peak to trough decline for stocks. The reason has to do with transaction costs, the difficulty to sell, the need for shelter, and the view that a home is a home first and an investment second.

Although a bull market tends to financially help everyone on the spectrum, there is often more dissatisfaction due to a widening wealth gap. Those families in the 90th percentile have a net worth of almost $1,000,000. Meanwhile, those in the 50th percentile or below have hardly any net worth at all!

The Solution To Greater Financial Security

The obvious solution to greater wealth and financial security is to own stocks and real estate over the long run. You can own one or the other, or preferably both. But certainly don’t own nothing. Inflation alone will destroy your wealth over the long term.

Here are some reasons why you might want to own real estate or stocks to help you get started, or help encourage you to own more of either asset class.

Why You May Want To Own Real Estate

1) You are more in control. Every physical real estate investment you make puts you in charge as CEO. As CEO, you are able to make improvements, cut costs (refinance your mortgage), raise rents, find better tenants, and market accordingly. Of course you are still at the mercy of the economic cycle, but overall you have much more leeway in making wealth optimizing decisions. When you invest in a public or private company, you are a minority investor who puts his or her faith in management. Nobody cares more about your investment than you.

2) Leverage with other people’s money. Leverage in a rising market is a wonderful thing. Even if real estate only tracks inflation over the long run, a 3% increase on a property where you put 20% down is a 15% cash-on-cash return. In five years you will have more than doubled your equity at this rate. Stocks, on the other hand, generate roughly 7% – 9% a year including dividends. Leverage also kills on the way down, so remember to always run the worst case numbers before purchase.

3) Tax advantageous. Not only can you deduct the interest on up to $1 million in mortgage indebtedness on your primary home, you can also sell your primary home for tax free profits up to $250,000 for singles and $500,000 for married couples if you live in the home for the last two of a five year period. If you are in the 28% or higher tax bracket, it behooves you to own property. All expenses associated with managing your rental properties are also deductible towards your income.

4) Tangible asset. Real estate is something you can see, feel, and utilize. Life is about living, and real estate can provide a higher quality of life while also making you money. Stocks aren’t even pieces of paper anymore, but ticker symbols and numbers. When the world comes to an end, you can seek shelter in your property. Real estate is one of the three pillars for survival, the other two being food and clothing.

5) Easier to analyze and quantify If you can calculate realistic expenses and rental income that’s all you really need when it comes down to valuing a piece of property. If you can borrow at 3% and rent out for a 7%+ gross yield, you’ve likely found yourself a winner. Real estate is immediately exploitable if you have the financial means to invest. There’s not only the cash flow component but the underlying equity component that helps investors build wealth. Take a look online for the latest estimates, comparables, and sales history. See: BURL: The Real Estate Investing Rule To Follow

6) Less visible volatility. Your house value could be tanking and you would never know it since there isn’t a daily ticker symbol. During bad times, the utility of your home really helps soften the blow as you enjoy your home and create great memories. During the 2008-2009 downturn, I still got to enjoy my vacation property in Lake Tahoe 15-20 days a year even though its value was plunging. Meanwhile, looking at tickers on the TV or computer screen stressed me out sometimes. When your investment is less volatile, it’s much easier to stay the course and not sell at the bottom.

7) A source of pride. Making money for money’s sake feels empty after a while. Every time I drive by my rental properties I feel proud to have made the purchases years ago. I know that my money is working as hard as possible so I don’t have to. Real estate is a constant reminder that taking calculated risks over time pays off. There is an indescribable feeling nobody tells you once you’ve closed on your property. Even though the bank probably owns most of it in the beginning, you literally feel like the King or Queen of your castle. When you die, you can pass on your pride to your children or closest companions to let them create their own memories.

8) More insulated. Real estate is local. If you’ve made a good decision to buy in an economically strong region, you will be more insulated from the national economy or the global economy. Spain blowing up is likely not going to affect the rent you can charge in Silicon Valley. Brexit actually helped drive mortgage rates lower as foreign investors bought safe US Treasury bonds. Look at prices in superstar cities such as NYC, Hong Kong, Singapore, London, Paris, and San Francisco over the past 20 years. They fall the least, recover the soonest and gain the most. Of course, industries in your area could suddenly disappear and leave you broke as well. Of course, it’s also a good idea to diversify into lower cost regions of the country with much higher yields. I do this through real estate crowdfunding.

9) The government is on your side. Not only do you get generous mortgage interest tax deductions and tax free profits, you get bailouts if you can’t pay your mortgage. The government also aggressively went after banks to force them to extend loan modifications to bad and good creditors. I even got a free loan modification from Bank of America to my surprise (cut my 30-year fixed rate from 5.875% to 4.25% for free). Programs such as HARP 1.0 and HARP 2.0 are allowing folks to put down a minimal downpayment. There are plenty of non-recourse states such as California and Nevada which don’t go after your other assets if you decide to stop paying your mortgage and squat for months. When was the last time the government bailed individual investors out of their stock investments?

Why You May Rather Own Stocks

1) Higher rate of return. Stocks have historically returned ~7-9% a year compared to 2-4% for real estate over the past 60 years. You can also go on margin to boost your returns, however, I don’t recommend this strategy given your brokerage account will force you to liquidate holdings to come up with cash when things go the other way. Your bank can’t force you to come up with cash or move out so long as you are paying your mortgage.

2) Much more liquid. If you don’t like a stock or need immediate cash, you can easily sell your stock holdings. If you need to cash out of real estate you could potentially take out a home equity line of credit, but it’s costly and takes at least a month.

3) Lower transaction costs. Online transaction costs are under $10 a trade no matter how much you have to buy or sell. The real estate industry is still an oligopoly and fixes commissions at a ridiculously high level of 5-6%. You would think the invention of Zillow would lower transaction costs, but unfortunately they’ve done very little to help lower expenses. They are in cahoots with the National Association of Realtors because they are their source of advertising revenue.

4) Less work. Real estate takes constant managing due to maintenance, conflicts with neighbors, and tenant rotation. Stocks can literally be left alone forever and pay out dividends to investors. Without maintenance you’re able to focus your attention elsewhere such as spending time with family, your business, or traveling the world. You can easily pay a mutual fund manager 0.5% a year to pick stocks for you or hire a financial advisor at 1% a year. Or you can just track and analyze your portfolio yourself due to so many free financial tools online.

5) More variety. Unless you are super rich, you can’t own properties in Honolulu, San Francisco, Rio, Amsterdam and all the other great cities of the world. With stocks you can not only invest in different countries, you can also invest in various sectors. A well diversified stock portfolio could very well be less volatile than a property portfolio.

6) Invest in what you use. One of the most fun aspects about the stock market is that you can invest in what you use. Let’s say you are a huge fan of Apple products, McDonald’s cheeseburgers, and Lululemon yoga pants. You can simply buy AAPL, MCD, and LULU. It’s a great feeling to not only use the products you invest in, but make money off your investments.

7) Tax benefits. Long term capital gains and dividend income are taxed at lower rates (15% and 20%) than the top four W2 income rates (28%, 33%, 35%, 39.6%). If you can build your financial nut large enough so that the majority of your income comes from dividends, you could lower your marginal tax rate by as much as 20% or so, depending on the current legislation.

8) Hedging is easier. You can protect your real estate investments through insurance. If disaster strikes, it’s often a pain to get your insurance company to pay for damages because the burden is on you to prove your claim. With stocks, you can easily short stocks or buy inverse ETFs to protect your portfolio from downside risk.

9) Potentially less ongoing taxes and fees. Holding property requires paying property taxes usually equal to 1-3% of the value of the property each year. Then there’s maintenance costs, insurance costs, and property management costs. You can build your own portfolio of individual stocks and bonds for just $5 a trade. Or you can have a digital wealth advisor like Wealthfront build and maintain your investment portfolio for just 0.25% a year in assets under management after the first $15,000.

Characteristics Most Suitable For RE Or Stocks

Real Estate

* Believe wealth is made up of real assets not paper.

* Know where you want to live for at least five years.

* Do not do well in volatile environments.

* Easily spooked by downturns.

* Tend to buy and sell too often. High transaction costs ironically keep you from trading too often.

* Enjoy interacting with people.

* Takes pride in ownership.

* Likes to feel more in control.

Stocks

* Happy to give up control to those who should know better.

* Can stomach volatility.

* Have tremendous discipline not to chase rallies and sell when things are imploding.

* Likes to trade.

* Enjoy studying economics, politics, and researching stocks.

* Don’t want to be tied down.

* Have a limited amount of capital to invest.

The Key Is To Invest For The Long Term

The choice between investing in real estate or stocks is like choosing between eating a seven layer chocolate cake or a homemade lemon meringue pie. Both are good provided you don’t go overboard and can hold on for the long term. When you are younger, investing in stocks is easier and makes more sense since you have less money and want to be more mobile for job opportunities. As you get older you probably want to set some roots so owning at least your primary residence is beneficial.

With stocks, it’s nice to see portfolio values go up. But after a while, it becomes unsatisfying to see more money accumulate in your brokerage account. Money needs to be spent on something, otherwise, what’s the point of saving and investing? Hence, my bias is towards real estate because you not only get to enjoy the asset, there’s also a good chance you can make a profit over the long run as well.

Own assets that rise with inflation such as stocks and real estate. Even if there’s a 20% correction, 10 years from now you’ll likely be happy you invested today.

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll. Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

Readers, do you own stocks, physical real estate, or both? Do you prefer stocks or real estate as an investment?

from http://www.financialsamurai.com/what-percentage-of-americans-own-stocks-or-real-estate/

#Financial Samurai

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