Foreign worker levy - Ministry of Manpower Singapore

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A guide to taxes and tax relief

A guide to taxes and tax relief
Taxes are another topic that all working Singaporeans will have to deal with eventually, while not fully applicable to those just starting out their careers with smaller incomes, it is good to know and will be useful down the line
This post is targeted at young adults and covers the basics about income taxes, with a focus on that of employees as compared to self-employed individuals
Full Disclosure: I am not a tax agent or certified professional, for more complicated matters please seek the assistance professional and do your own due diligence
If there are any things I missed out please let me know in the comments below

Singapore's Tax Structure

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Singapore has a progressive tax structure, with those earning more paying a larger proportion of their income
There is a misconception that I have heard
I didn't accept the pay raise because that would put me in a higher tax bracket so I would have to pay more tax
That is incorrect, here is an example
Mr A had a chargeable income of $20K and then had a raise bringing his pay to $30K
If the statement was true, the entire $30K would be subject to a 2% tax and his tax bill would be $600
What actually happens is that:
When assessing his $30K salary, following the chart from top to bottom, the first $20K earned is not subject to tax
Afterwards the remaining amount, in this case $10K, is assessed at its respective tax rate. In this case it it 2%, as such he owes $200 in tax, as shown in the chart
​

What is Taxable?

This list is non-exhaustive and contains the most common forms of incomes. Click title for full list and consult a professional if necessary
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Taxable Not Taxable
Salary + Bonuses + Commissions + Allowances Retrenchment Benefit
Employee Share Option
Business Income (For Self-employed)
Overseas Income if working under SG entity Overseas income if working for a foreign entity (Check for Double Tax Agreements)
Profits from a business that trades digital tokens Profits from investments of digital tokens
Dividends from co-operatives/partnerships Dividends from investments
Capital gains from trading in properties Capital gains from Property and financial instruments
Rental Income Winnings (4D, Toto)
Annuities from business/ as replacement of compensation Annuities (e.g CPF Life or Annuity plans)
Estate/Trust Income Estate Duty
​

Who needs to file taxes?

While everyone needs to pay taxes, not everyone needs to file taxes
One may fall under the No-Filing Service category are not required to submit a tax return, they can log on to the IRAS website and ensure all their income and reliefs are accurate or make any corrections if necessary
Others will have to file a tax return, they can do so by following instructions, tips and resources
This will most likely apply to those are self-employed
​

How to pay taxes?

Individuals can choose to pay via an annual lump sum or through up to 12 interest-free monthly installments via GIRO
Other methods include (but are not limited to)
  • Paynow
  • Paylah
  • Internet Banking
  • AXS stations
  • SAM stations

Reducing Taxes

Some definitions:
Tax Relief: Reduces the amount of income that is subject to tax
Tax Rebate: Reduces the actual amount of tax that needs to be paid
Illustration here
The examples here will fall under Tax Relief unless stated otherwise
One can only claim up to $80,000 in tax relief per Year of Assessment
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​

CPF Tax Relief

This will require an understanding of CPF, read this guide if necessary
Firstly, compulsory CPF contributions by employees are not taxable, neither are the compulsory CPF contributions of employers
There are two ways to voluntarily contribute to CPF which will provide tax relief, the Retirement Sum Topping Up Scheme (RSTU) and through Voluntary Contributions to Medisave Account (VC-MA)
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Retirement Sum Topping Up Scheme
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Voluntary Medisave Contributions
  • Voluntary top ups beyond mandatory CPF contributions provide tax relief
  • How much tax relief possible is limited by
  1. The Basic Healthcare Sum (The cap amount for MA)
  2. The CPF Annual Limit (The maximum amount one can contribute to CPF in a year)
  • Currently it is at $37,740
  • Includes both Employee and Employer CPF contributions
    • If Employee contribution is $16,000
    • and Employer contribution is $13,600
    • The mandatory contribution would be $29,600
    • $37,740 - $29,600 = $8,140 (Up to the CPF Annual limit)
  • The tax relief is given to the recipient of the top up
  • e.g Mr A tops up Mr B's MA with $500 in cash
  • Mr B will receive $500 in tax relief
  • Transfers from one CPF account to another do not give tax relief
  • Top ups must be made in cash to qualify
  • Any transfers are non-reversible
  • Any contributions in excess are refunded
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In Summary
Retirement Sum Topping Up Scheme Voluntary Contributions to Medisave Account
Funds go to SA/RA Funds go to MA
Up to [$14000 in tax relief, with $7000 from self top up and $7000 topping] or [Up to the FRS] The lower among [Up to the annual CPF annual contribution limit ] or [Up to the Basic Healthcare Sum ]
The Contributor topping up receives tax relief The Recipient of the top up gets tax relief
Both must be made in cash
Both are non-reversible
Both will have any contributions in excess not leading to tax relief
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SRS Account

With the current lack of fees and tax relief offered, if one is going to buy Robos/ STI ETF and hold long term anyway, it might be worth it to buy through one's SRS
But be aware of the 5% penalty if it is withdrawn early
Here are some articles about SRS by FirePathLion and Kyith
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Considerations

While the potential tax relief may be rather attractive there are some factors to keep in mind before using these schemes
For those below the 7% (less than $40K) tax bracket it may not be worth it as the savings VS the amount locked up is quite small
That and there's also the issue of policy risk, for a lot of younger investors theres a long time until retirement and there will almost be policy changes in the future
Especially since the futures of younger investors may be very fluid, the hard and soft lock-ins warrant extra consideration
As usual, it comes down to individual situations and their own due diligence
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Below is a list of various other tax reliefs that are more situational, one will need to apply to receive the relief unless stated otherwise

General tax reliefs for all taxpayers

Earned Income Relief
  • Automatically given to anyone with taxable income
Age of 31 Dec last year Amount Claimable
Below 55 $1000
55 - 59 $6000
60 and above $8000
​
  • For handicapped persons
Age of 31 Dec last year Amount Claimable
Below 55 $4000
55 - 59 $10000
60 and above $12000
​
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NSman Self Relief
  • For those who completed NS
  • Amount of relief depends on :
Were NS activities performed in the preceding year? NSmen NS Key Command Staff and Appointment Holders
No $1500 $3500
Yes $3000 $5000
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Course Fees Relief
To encourage skills upgrading for those currently or previously employed
  • Course must lead to a recognised, specialized, qualification
    • does not apply to social media skills, basic website building skills and Microsoft Office skills etc
  • Course must be relevant to current profession
    • or future profession if it is for a career change
  • Can claim up to $5500 each year
    • Any portion paid by an employer or organisation cannot be claimed
  • May claim
    • Examination fees
    • Regiistration fees
    • Tuition fees
  • If a lump sum payment was made for a multi-year course it can be split equally among the years of study
    • E.g Paid 9K upfront for a 3 year course
    • One can claim 3K for next 3 years
  • The rebate can be deferred if income was below $22K while talking the course, but must be claimed either (which ever is sooner)
    • In the first year of assessment when income >$22K
    • Within 2 Years after course was completed
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Life Insurance Relief
  • Only if total CPF contribution was <$5000
  • Paid premiums for own life insurance policy / life insurance policy of spouse
  • May claim the lower of
    • Difference between $5000 and CPF contribution
    • 7% of value of the life insured
    • The premiums paid
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Parent Relief / Handicapped Parent Relief
  • Relief for supporting parent/in-law and grandparents/in-law
  • Dependent must
    • Have lived together for that year
      • If they are staying apart
      • Claimant must incurred $2000 in expenses on behalf of the parent
    • Be 55 or above
    • Have an annual income <$4000
    • Be disabled physically or mentally (if claiming handicapped parent relief)
  • May claim
    • For Parents
      • $9000 if staying together
      • $5500 if not staying together
    • For Handicapped Parents
      • $14000 if staying together
      • $10000 if staying apart
  • May claim up to 2 dependents
  • May split relief among siblings
    • E.g $9000 relief split among 3 sibling can be split
      • $3000 equally
      • or $6000, $2000, $1000
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Handicapped Sibling Relief
  • For those supporting sibling/in-law
    • Must have stayed in the same household
    • or Expended $2000 or more supporting them
  • Tax relief of $5500
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Tax Reliefs for Married/Divorced/Widowed Taxpayers (Male and Female)

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Qualifying Child Relief (QCR) / Handicapped Child Relief (HCR)
  • For parents with children who are
    • below 16 y.o
    • or studying in any educational institution if >16 y.o
    • child has an annual income <$4000
    • mentally/physically handicapped
  • $4000 per child
  • $7500 per handicapped child
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NSman parent relief
  • For parents of NSman
  • May claim $750
    • Regardless of number of kids who have completed NS
      • E.g Mr A has 2 children who have completed NS
      • He will still only receive $750 of relief
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Spouse/Handicapped Spouse Relief
  • For those with spouses that
    • Are living together or are supported by them
    • Have an income <$4000
  • Relief amount is
    • $2000 for a spouse
    • $5500 for handicapped spouse
  • Additional requirements for legally separated and divorced spouses
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Parenthood Tax Rebate
  • Tax Rebate for married, divorced or widowed parents
    • For children, step-children and adopted children
  • From $5000 up to $20,000
  • Allocation of rebate can be chosen by couple
    • If not will be equally divided between parents
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Tax Reliefs for Married/Divorced/Widowed Female Taxpayers

Foreign Maid Levy
  • Can claim 2X total foreign domestic worker levy paid in the previous year one foreign maid
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Grandparent Caregiver Reliefs
  • For working mothers
  • Had a grandparent/in-law or parent/in-law, who is not working, looking after a
    • Singaporean child 12 and below
    • Singaporean handicapped child
  • May make a single claim for $3000 per year
    • A claim may be made for a tax payer's father or mother
    • But not both
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NSman Wife Relief
  • For wives of NSman
  • May claim $750
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Working Mothers Child Relief
  • For mothers with children who are
    • below 16 y.o
    • studying in an educational institution if > 16 y.o
    • child has an annual income <$4000
    • mentally/physically handicapped
  • Amount of relief increases per child
Child Order Tax Relief
1st 15% of earned income
2nd 20% of earned income
3rd 25% of earned income
  • Relief is capped at 100% of mothers income
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TL;DR:
Make an SRS account and contribute $1 to lock in the earliest possible withdrawal date
Putting funds in CPF SA/RA/MA can help reduce tax payable
SRS can reduce tax and funds can be used for investments, but beware the "soft" lock in
submitted by csm133 to singaporefi [link] [comments]

Why I Won't Touch Air NZ With a Ten-Foot Pole

Recently I have noticed a lot of blabbering about the opportunities that Air NZ has and whether or not it is a good buy. This post will be going over the reasons why I refuse to buy Air NZ and why I believe it is an awful buy.
Disclaimer: I don't trade individually trade stocks normally anyway. My knowledge of aircraft is non-existent. I'm almost ignorant when it comes to the goings-on of airlines and there's a lot I don't know.
Air NZ is currently trading at $1.76. Up 120% from it's March dip. It is still down 43% since the start of the year.
1. Airlines Are Generally Not Profitable Even in Good Times
The idea that airlines should be a profitable endeavour isn't a business practice that is shared globally. It seems unique to Singapore, Australia & NZ. The rest of the world, especially Europe and the USA, have high competition and razor thin margins - and that's if they're lucky.
Airlines always have an outflow of some kind. This could be the depreciation of aeroplanes and their fixed lifespan (flight cycles, airframe hours, engine hours), the cost of aviation fuel, levies charged by airports, maintenance, etc etc. There is a lot being taken from airlines constantly while on the demand side they're dependent on passengers and passengers only. Without their customer base, they have nothing.
Since a significant amount of airlines aren't making any reasonable money, the cash they manage to hemorrhage aside isn't going to be a significant amount nor is it going to last long anyway. Airlines are simply unable to exist on their own two feet unlike normal businesses.
Airlines can be here today and gone tomorrow. This isn't a practice that is unique to USA and their cut-throat system. It has happened to New Zealand and rather recently. In the 90's we had Ansett Airlines. In 2019, Jetstar axed a significant proportion of domestic routes. Virgin Airlines has gone belly up. There have been a lot of smaller airlines that have tried to establish themselves, run lean operations, and even then, they couldn't make it.
2. The Role of The Airline Isn't Profitability
We do expect that Air New Zealand should be a profitable company in good times. When push comes to shove, there is no real requirement for Air NZ to be profitable. It's primary utility, above all else, is to provide transport options for the government to help keep our economy chugging along. Air NZ is still our primary airline and with that comes a different set of standards.
If Air NZ starts to play up, like it has been and has done in the past, it isn't a big deal for the company itself. It is disastrous for stockholders, but if it were required, nobody is going to care about stockholders anyway. If the price of your stock tanks, there's not going to be much sympathy from the government or the public at large.
The government will keep Air NZ going. They will take the loss. We can't afford to not have an airline even if there are private present. There isn't any guarantee that QANTAS will be there for us. If we control our own aircraft, we can be sure that we're going to have aeroplanes for when we need it. This could be in disasters like the Christchurch earthquake, keeping tourists coming in, for moving government officials, or even the transportation of goods.
3. If Our Government Will Bailout Air NZ, You Best Expect Other Countries Will Too & With More Generous Terms
The bailout of Air NZ, at present, isn't all that generous compared to what other countries are offering for their national airlines. Our government has offered a $900,000,000 loan at 9% interest and/or taking greater ownership of them. This is the only bailout that has been offered so far. If things were to really sink, there is no doubt in my mind that they would offer even more generous terms. It wouldn't be the first time they've done so. See the early 2000's.
Other countries will have bailed out their airlines too by now as I'm sure you would know. But even in the good times, competing airlines have been accused of being provided subsidies by the government of their respective headquarters. Emirate Airlines being one. The UAE government (we'll call it that for simplicity sake) has no problem fronting up a loss now. Their goal with their airline is different. They don't expect to make money directly from their tourist projects like the Burj Al Arab. What they do expect is that it will attract people to the Dubai Intl. Airport and people will feel implored to visit and spend there. Essentially, the airline is a loss-leader to attract tourists to Dubai.
If you're up against the UAE government, and their oil money, what hope do you have of turning a profit? While Air NZ may not directly compete with them, there is no doubt in my mind that they would still be having an indirect impact on Air NZ. That is just one example. Singapore Airlines originally had a similar purpose. If you break-even, consider yourself lucky.
4. The Recovery of Air NZ is Going to Be Slow and Painful
The blunt truth is that Air NZ is not going to be bouncing back quickly. There will be a recovery, but it will be over years, and it will be a slow and painful process. I don't expect that Air NZ will turn a profit for years to come. By then, their liabilities sheet will be smeared in excrement or the government will have even greater control of it.
If we want to see a global recovery, we are going to be waiting on inoculation to happen. We're expecting vaccine take up to be reasonable and that the virus will start to decline. If process takes months, we will be extremely lucky. More realistically it will take years. There are going to be hiccups along the way with deploying the vaccine at a logistical level. Priorities have to be made. Other countries will make mistakes that will cause delays. We're hoping that manufacturing of the vaccine will hit its set targets. If you're hoping for a quick inoculation and opening of the borders, the stars are going to have to align perfectly for that to happen.
Even when inoculation happens, the opening of borders will be gradual. Our government is taking baby steps to reopening our borders. We're starting with the Cook Islands. Australia will be next, though that is increasingly looking delayed. After that? Who knows. I expect it will be procedural.
The big kahuna, in the immediate term, is that we open to Australia. Unfortunately this is not going to be what helps Air NZ. The Trans-Tasman route has never been a profitable one anyway. Air NZ and QANTAS have both claimed, years ago, that the Trans-Tasman route was not profitable. If it wasn't a money maker then, it won't be now. While it will be great for travelers to have the ability to fly, it is questionable whether or not this would actually be good for Air NZ or if this would only add to their losses?
5. Plan For The Worst, Hope For The Best
The previous paragraph assumes that there will be a smooth V-shaped recovery for passenger numbers. Airlines are more than susceptible to shocks at both the demand and supply level. This can have disasterous impacts for the price and profitability of Air NZ. There is always the potential of there being a double-dip loss where the future of Air NZ looks uncertain.
We're hoping that nothing will tank passenger numbers such as terrorism as one example. As dramatic as that sounds, terror events like 9/11 have caused significant trouble for airlines. Even if crashes happen, such as MH370, there is a significant loss of confidence in that airline. At the supply level, we're hoping that aviation fuel prices will stay reasonably cheap and that they will be able to scale back up with little to no hassles. If the price of tickets go up, demand will be decreased, the outgoings of the airlines will be increased, and the profitability will go backwards. In the USA, the Iraq War in 1991 was terrible for airlines because of what it did to the cost of jet fuel.
There is a lot of factors that I haven't mentioned here. While this post does take an overwhelmingly negative view of airlines, it is not all bad. Everything has its good and bad. I wouldn't buy AirNZ because of the price alone. Airlines are a tough business. Everyone should do their own research. There could be a smoking gun that I don't know about that makes Air NZ desirable. I do take a cautious approach, especially when potentially picking individual stocks.
Merry Christmas everyone!
submitted by TIMETOPAYURRENT to PersonalFinanceNZ [link] [comments]

Goodyear and the Hidden EV Play for Biden’s Presidency - Epic DD

Goodyear and the Hidden EV Play for Biden’s Presidency - Epic DD
Ticker: GT
Rating: BUY
EOY 2021 Target: 17 (conservative)
Feb. 2021 Target: 12.5
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Positions I’m Considering

Naked Pre-earnings Play: 10c exp. 02/12/21
Long Call Spread: BUY 7c, SELL 15p exp. 02/12/21
LEAP: 11c exp. 4/16/21
Thesis 1: Air and land travel will increase in 2021 as global economies recover from the pandemic. Goodyear will be a beneficiary of this recovery.
Catalyst 1: According to CNN, US air travel hit its highest level since mid-March (2020) over the (thanksgiving) holiday and millions of Americans still traveled by car to join family and friends.
TSA said it screened 1.17 million people on Sunday when many Americans were heading home from their Thanksgiving travels. That was 41% of the 2.9 million people screened by TSA on the same day in 2019. Thanksgiving 2019 set a TSA record.
That means more than 9.4 million people have been screened in the Thanksgiving travel window, which began on the Friday before the holiday.
According to NBC news, TSA data showed that 1,191,123 travelers passed through airport checkpoints nationwide Wednesday, the most since March 16.
From Friday to Sunday, a combined 3.2 million people boarded planes, according to agency data — more than 1 million a day.
Thesis 2: Goodyear will benefit in 2021 because of Biden’s energy initiative..
Catalyst 2: Biden has stated that he wants to position the U.S. Auto Industry to Win the 21st Century with technology invented in America.
Biden will use all the levers of the federal government, from purchasing power, R&D, tax, trade, and investment policies to reverse this trend and position America to be the global leader in the manufacture of electric vehicles and their input materials and parts.
Biden will spur an expansion of factory floors and a re-tool of existing manufacturing capacity, and create 1 million new jobs in auto manufacturing, auto supply chains, and auto infrastructure
America must accelerate its own R&D with a focus on developing the domestic supply chain for electric vehicles. A specific focus of Biden’s historic R&D and procurement commitments will be on battery technology – for use in electric vehicles and on our grid, as a complement to technologies like solar and wind – increasing durability, reducing waste, and lowering costs, all while advancing new chemistries and approaches. And Biden will ensure that these batteries are built in the United States by American workers in good, union jobs.

About Goodyear

Goodyear is one of the world's leading tire companies with operations in most regions of the world and one of the most recognized brand names. Together with its U.S. and international subsidiaries, Goodyear develops, manufactures, markets, and distributes tires for most applications.
Goodyear is one of the world's largest suppliers of aviation tires for commercial, military and general aviation aircraft. Operating a global business from its Akron, Ohio headquarters, Goodyear manufactures aviation tires and retreads in the United States, Thailand, Brazil, and The Netherlands.
Goodyear Segmentation: Automobile industries
Goodyear Target Market: Racing cars, heavy duty vehicles, passenger cars, bikes, industrial equipment-like forklifts, bulldozers, cranes, airplanes, etc.
Goodyear Positioning: Excellent product quality maintained over decades with continual improvement.
SWOT Analysis
  1. With the turnover of over $22 billion they are one of the world’s leading tire makers with no.1 position in North America & Latin America and second position in Europe.
  2. It has a Global Footprint with operations at 54 sites spread over 22 countries.
  3. Innovation centers at Ohio and Luxembourg provide them with a competitive edge in technology.
  4. Excellent management team with over 70,000 employees globally
  5. Company has established a strong brand identity and customer loyalty.
  6. Most successful tire supplier in Formula 1.
Potential Weaknesses
  1. Penetration level in Asian emerging economies is less
  2. Intense competition in the tire industry makes market share constant
  3. Studies reveal it company produces high amount of air pollution
Potential Opportunities
  1. Emerging markets need to be capitalized on (EV in particular)
  2. Tie-ups with Automobile manufacturing giants may go a long way.
  3. Innovative and catchy advertising campaigns
Potential Threats (not including the ongoing Covid pandemic)
  1. Volatility in raw material prices.
  2. Low priced substitutes
  3. Stiff competition both from national and international companies.
  4. Government Policies - export duties, import duties, tax levied on automobile industries and economic condition of the nations as it determines the sale of automobiles.
  5. Introduction of other transport facilities like metro, monorails and local trains keeping pollution hazards caused by combustion of automobile fuels.
  6. Fluctuations in exchange rates

Facilities in the United States

https://preview.redd.it/por5r05pmt861.png?width=1208&format=png&auto=webp&s=6aef0f1bd5a925ee05d2eff30c68b40984133da4

Environmental Responsibility

https://preview.redd.it/k4v2clivmt861.png?width=1208&format=png&auto=webp&s=6132c9f6eb4663ac5ba4ae3c3fc1d130d0728a29

A Few Goodyear Competitors

https://preview.redd.it/r24dkcj3nt861.png?width=252&format=png&auto=webp&s=2dcdacff49503420fdb00503b63823c58d64b295
https://preview.redd.it/wetgvn07nt861.png?width=1238&format=png&auto=webp&s=776cbfb651b222dbc64a395d73b1dd8f93d07860

Current Tire Market (https://www.tirereview.com)

Smithers published the Future of Global Tires to 2024 report, which sized the tire market at over 2.36 billion units in 2019, with topline volume growth expected to continue at a 3.1% compound annual rate from 2019 through 2024. In 2024, total global industry tire volume was expected to reach 2.75 billion units. The 2019 market value of $239 billion was expected rise to $280 billion in 2024, for a 3.2% compound annual growth rate. Considering the impact of COVID-19 on the global tires market, Smithers sees little recovery in 2020-2021, with real recovery starting in 2022 and 2019 tire volume not being reached again until 2023.
As part of its Global Tires report refresh that accounts for the impact of COVID-19 on the industry, Smithers estimates volume growth over the next couple of years will fall significantly with market conditions prolonging the status quo in technology. The market adjustment will slow the adoption of electric vehicles and delay ride sharing, as well as drive supply chain consolidation and other disruptions.
Although COVID-19 will significantly impact 2020 tire sales, the tire market in Asia is forecast to pick up and grow on average by 3.6% until 2025.
General tires will continue to make up the majority (84.2% share) of the total Asia tires market by 2025, but significant stronger growth is forecasted in aircraft, specialty and OTR tires.
https://preview.redd.it/4ju8hmhbnt861.png?width=1242&format=png&auto=webp&s=8450bd3dbc24f6d8fc029729263d29462f22b0a0
The high-performance passenger calight goods vehicle segment is the largest in volume and value for specialty tires and is growing rapidly, driven by the growth of CUV, SUV and pickup truck segments in Asia.
Current tire technology in China is focused on low rolling resistance (LRR) tires, driven by pressure from the government to reduce CO2 emissions and the establishment of the China Rubber Industry Association (CRIA) tire labeling system.
List of the Top Key Players of Low Rolling Resistance Tire Market:
  1. Apollo Tyres Ltd
  2. Bridgestone Corp
  3. Continental AG
  4. Cooper Tire and Rubber Co
  5. Hankook Tire and Technology Co Ltd
  6. Michelin Group
  7. Pirelli and C Spa
  8. The Goodyear Tire and Rubber Co
  9. The Yokohama Rubber Co Ltd
  10. and ZHONGCE RUBBER GROUP Co Ltd
China is, and will continue to be, the biggest EV market, and its progress in the segment will influence the rest of the world. This is due to government policies designed to reduce pollution in cities and dependence on imported oil. The government also desires to dominate this growth industry. In Asia, the electric bus market is expected to be dominated by China and India in size and to be predominantly BEVs (Battery Electric Vehicles). Japan and South Korea will also invest significantly in electric buses, as will the Southeast Asia region led by Singapore.
List of major players operating in the South East Asian tire market include PT Gajah Tunggal TBK, PT Suryaraya Rubberindo Industries, Bridgestone Corporation, Compagnie Generale des Etablissements Michelin, Sumitomo Rubber Industries, Continental AG, The Goodyear Tire & Rubber Company, Deestone Corporation Limited, Toyo Tire & Rubber Co. Ltd, The Yokohama Rubber Co., Ltd., etc.
https://preview.redd.it/74mrc4jint861.png?width=1262&format=png&auto=webp&s=0523aad0d4ce01b1959802c901dd1d0a978ef086

South East Asia Rubber Market Analysis and Forecasts to 2023 (https://www.globenewswire.com/)

Asia accounts for 93% of the world natural rubber production with Thailand being the largest producer followed by Indonesia and Vietnam. Other large rubber producers in the region include India, China and Malaysia.
In 2019, the global natural rubber production stood at 13.804 million tonnes. It is expected that in 2020, the production will increase 2.7% to 14.177 million tonnes. The first two months of 2020 have recorded an annualized fall of 5.2% in global natural rubber production. The global synthetic rubber market is projected to grow at a CAGR of 5.1% in the period 2015-2023 and be worth USD 45,767.1 million.
Economic downturn being experienced by China which is globally the largest importer of rubber is keeping rubber prices balanced in a scenario where supply outstrips demand. The oversupply situation persists even though the three largest producers of rubber, Malaysia, Indonesia, and Thailand are reducing the output of the material used in manufacturing of a range of products from gloves to car tires. China is also the world's largest consumer of natural rubber followed by India and the United States. The slowdown in the Chinese economy remains a concern for the global rubber industry. The Coronavirus global outbreak is expected to have long-reaching hampering effects on the Chinese as well as the global economy.
Goodyear does not own any rubber tree plantations, but they have taken actions as a purchaser of natural rubber with Goodyear Orient Company. Goodyear Orient Company (Private) Limited (GOCPL) is a wholly-owned subsidiary of Goodyear Tire and Rubber Company (GTRC) and has been around since 1917.

Goodyear and Some EV News

Goodyear And TuSimple Collaborate On Autonomous Vehicle Freight Operations - prnewswire - 11/20/20
The Goodyear Tire & Rubber Company (NASDAQ: GT) announced today a strategic relationship with TuSimple, a global autonomous trucking technology company, to provide tires and tire management solutions to TuSimple's Autonomous Freight Network (AFN).
Goodyear will provide products and repair services to enhance the safety and operation of autonomous trucks. Additionally, Goodyear and TuSimple will conduct wear studies designed to understand how autonomous trucks and tires can help better predict maintenance, understand tire longevity and reduce the carbon impact of fleets.
Collected data from the study will also deliver insights into the difference between an autonomous and human driver with respect to the tires.
"With our leadership in products, fleet support and advanced innovations, Goodyear is applying knowledge to help deliver performance and safety with autonomous vehicles," according to Erin Spring, Goodyear's director, new ventures.
GOODYEAR, ENVOY TECHNOLOGIES PILOT DIGITAL SERVICE SOLUTION FOR SHARED, ON-DEMAND EV FLEETS - news.goodyear.eu/ - 3/21/20
The Goodyear Tire & Rubber Company today announced a new pilot program with Envoy Technologies, a provider of shared on-demand, community-based electric vehicles (EVs). The pilot, which launched early this year, is testing services aimed at minimizing operational downtime for vehicle fleets
Goodyear’s unique predictive tire servicing solution for connected fleets is being used to forecast and automatically schedule needed tire maintenance and replacement. Envoy’s fleet managers can see its fleet’s status, schedule maintenance needs and update appointments with Goodyear’s on-demand scheduling program, helping to keep its vehicles operational and avoid the typically unforeseen issues that might suddenly force a shared vehicle to be pulled from service.
To do this, Goodyear gathers secure, anonymized data from Envoy’s connected vehicles and uses it to predict and schedule service needs. Goodyear then utilizes its network of outlets and mobile vans to provide service to the vehicles. The mobile vans can install tires on-site at their charging stations, maintaining vehicle safety with minimal time required by Envoy staff.
“With on-demand car sharing and ride hailing services on the rise, Goodyear is extending its fleet services business model to shared mobility providers to improve urban fleet operations,” said Chris Helsel, Goodyear’s chief technology officer.
Envoy provides shared, community-based electric vehicles where people live, work and stay, with a significant percentage of its fleet dedicated to deployment in disadvantaged communities. The two-year-old company recently passed a milestone of more than 100 vehicles deployed at partner sites with a pipeline of 1,800 vehicles to be launched in major metropolitan areas across the nation, including Portland, Seattle, Austin, Chicago, New York, Boston, Miami and Washington, D.C.
Goodyear’s effort with Envoy builds on a successful test program with Tesloop, a city-to-city mobility service that exclusively used Tesla electric vehicles, and the commercialization of Goodyear Proactive Solutions for truck fleets, using advanced telematics and predictive analytics technology to allow fleet operators to optimize fuel efficiency and precisely identify and resolve tire-related issues before they happen.
Goodyear Partners with Lexus to Shape the Future of Electric Mobility - news.goodyear.eu/ - 3/5/20
Lexus LF-30 Electrified concept was originally presented sitting on four bespoke Goodyear concept tires at the 2019 Tokyo Motor Show. It was presented again on Tuesday, March 3rd at Lexus’ live press conference during the Virtual Press Day of the 2020 Geneva International Motor Show.
Goodyear’s concept tires are tailor-made to benefit the modern, sleek and sporty design of the Lexus. They support EV motors and are designed to improve the overall comfort and performance of the car.
The LF-30 Electrified concept tire includes several innovative features:
EV motor cooling: Drawing on Goodyear’s expertise in aerodynamics, the concept tires are designed to improve the cooling of the EV motors. Cool air enters through the front bumper intake and fins on the tires drive the flow towards the electric motor positioned behind each wheel. The hot air produced by the EV motor is then expelled towards the outer edge of the rim of the LF-30 Electrified.
Reduced aerodynamic drag: The tire design along with the outer tire shape would improve the Lexus’ aerodynamics by reducing drag, resulting in higher efficiency and battery range.
Noise reduction through biomimicry: Goodyear found inspiration in nature when designing the concept tires. The leading edges of the cooling fins are covered with fine velvet like on the wings of an owl, which enables the predator to silently catch their prey at night. Through this biomimetic solution, the rolling noise of the tire would be reduced to a minimum.
Goodyear’s concept tire for the Lexus LF-30 Electrified concept comes in a 285/35R24 size.
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Goodyear touts mileage gains in 2nd-gen EfficientGrip EV tires - tirebsiness.com - 3/3/20
Goodyear is preparing to launch later this year the second generation of its EfficientGrip Performance electric-vehicle tire line, promising the new version will deliver 50% longer life than the first generation, which launched in 2018.
Goodyear held a video press conference from its European headquarters office in Brussels to launch the EfficientGrip Performance 2 and unveil its latest concept design, the Goodyear reCharge, which features a self-regenerating tread.
Goodyer claims the EfficientGrip Performance 2 offers 20% more tread life than the "next best tested" competitor, while continuing to outperform the competition wet and dry braking, according to Mike Rytokoski, chief marketing officer, consumer Europe.
Mr. Rytokoski said half of all the new tires Goodyear has designed now are for electric vehicles, which require bespoke EV tires because they are heavier, due to weight of the batteries, and deliver extra torque.
As for future generations of EV tires, Goodyear said industry figures show 57% of all passenger vehicle sales, and over 30% of the global passenger vehicle fleet, will be electric by 2040.
Goodyear's vision of a next-generation tire for EVs is the reCharge, a non-pneumatic design that features a self-regenerating tread based on the use of biodegradable liquid.
To regenerate the tread, the vehicle owner inserts a capsule containing the liquid into the hub, where it mates up with the tubes. The centrifugal force of the rolling tire/wheel distributes the liquid up to the base of the tread elements, Goodyear showed in a video.
https://preview.redd.it/ukr1e2cqnt861.png?width=1242&format=png&auto=webp&s=0149eed0cebf4c5afdeee1e17113ec36a37b2d42
The tread compound also would be reinforced with fibers inspired by spider silk, Goodyear said.
https://preview.redd.it/u693uebtnt861.png?width=1242&format=png&auto=webp&s=8f630d2fef1801f2fd136d8250ed4b7136ee2bae
The tire maker did not elaborate on what materials it envisions for the reCharge's wheel or how the tread elements would renew if supplied with a liquid from underneath but did say it envisions the liquid could be engineered to allow the vehicle owner to customize the tire tread to climatic or environmental changes.

Goodyear and Biden Connection - thehill.com - 08/19/20

Democratic presidential nominee Joe Biden defended Goodyear tires after President Trump urged Americans to boycott its products after he claimed the company announced a “ban” on his campaign’s “Make America Great Again” attire.
“Goodyear employs thousands of American workers, including in Ohio where it is headquartered. To President Trump, those workers and their jobs aren't a source of pride, just collateral damage in yet another one of his political attacks,” Biden said in a statement. “President Trump doesn’t have a clue about the dignity and worth that comes with good-paying union jobs at places like Goodyear — jobs that can support a family and sustain a community.”

Electric Vehicle Outlook (bnef.com) (added 2/2/21)

Automakers are accelerating their EV launch plans, partly to comply with increasingly stringent regulations in Europe and China. COVID-19 will delay some of these, but by 2022 there will be over 500 different EV models available globally
Passenger EV sales jumped from 450,000 in 2015 to 2.1 million in 2019. They will drop in 2020 before continuing to rise as battery prices fall, energy density improves, more charging infrastructure is built, and sales spread to new markets.
https://preview.redd.it/0gbbbh727x861.png?width=1978&format=png&auto=webp&s=20cb377070f4f985736eac0b1628a9ff0f5696cd
By 2040, over half of all passenger vehicles sold will be electric. Markets like China and parts of Europe achieve much higher penetrations, but lower adoption in emerging markets reduces the global average.
https://preview.redd.it/tc4xvfj87x861.png?width=1978&format=png&auto=webp&s=7660e30f3ca257d167a901c5ee90d967bd493199
Despite the rapid growth, there will be 1.4 billion passenger vehicles on the road in 2030 and EVs account for just 8% of these. This rises to 31% by 2040 as the fleet slowly changes over.
https://preview.redd.it/b8qqvjcf7x861.png?width=1978&format=png&auto=webp&s=f199055564d3bbcafe3982078ff7296c3da776f5
Number of countries that have announced plans to phase out sales of internal combustion vehicles.
https://preview.redd.it/2f6iaf6p7x861.png?width=1756&format=png&auto=webp&s=832c6e8d708462720d78d43f9889330d7ab0e1f4
Looking beyond passenger cars, several ‘killer apps’ are emerging for electrification. Two-wheeled vehicles (scooters, mopeds, motorcycles) and municipal buses are already going electric quickly and accelerate further in the next ten years. Delivery vans are the next segments to cross the tipping point.
https://preview.redd.it/26eh761v7x861.png?width=2520&format=png&auto=webp&s=45795432025a2d904065ae9eeb6f0dad042fe1ad

09/30/20 10k SEC Filing

Product

Bullish Statements
Net sales in the third quarter of 2020 were $3,465 million, compared to $3,802 million in the third quarter of 2019. Net sales decreased in the third quarter of 2020 primarily due to lower global tire volume, unfavorable foreign currency translation, primarily in Americas, and lower sales in other tire-related businesses, primarily due to lower aviation sales globally and a decrease in third-party sales of chemical products in Americas. These decreases were partially offset by improvements in price and product mix, primarily in EMEA and Americas.
Europe, Middle East and Africa: In the third quarter of 2020, Goodyear net loss was $2 million, or $0.01 per share, compared to net income of $88 million, or $0.38 per share, in the third quarter of 2019. The change in Goodyear net income (loss) was driven by lower segment operating income, partially offset by lower income tax expense.
Net sales in the third quarter of 2020 were $1,156 million, decreasing $49 million, or 4.1%, from $1,205 million in the third quarter of 2019. Net sales decreased primarily due to lower tire volume of $97 million. This decrease was partially offset by improvements in price and product mix of $40 million, driven by higher proportionate sales of commercial tires, and favorable foreign currency translation of $5 million, driven by the strengthening of the euro.
Bearish Statements
Worldwide tire unit sales in the third quarter of 2020 were 36.6 million units, decreasing 3.7 million units, or 9.1%, from 40.3 million units in the third quarter of 2019.
Net sales decreased in the first nine months of 2020 primarily due to lower global tire volume, lower sales in other tire-related businesses, primarily due to a decrease in third-party sales of chemical products in Americas and lower aviation sales globally, and unfavorable foreign currency translation.
Net sales decreased in the third quarter of 2020, primarily due to lower global tire volume of $295 million, unfavorable foreign currency translation of $56 million, primarily in Americas, and lower sales in other tire-related businesses of $48 million, primarily due to lower aviation sales globally and a decrease in third-party sales of chemical products in Americas.
Europe, Middle East and Africa: Net sales in the third quarter of 2020 were $1,156 million, decreasing $49 million, or 4.1%, from $1,205 million in the third quarter of 2019. Net sales decreased primarily due to lower tire volume of $97 million. This decrease was partially offset by improvements in price and product mix of $40 million, driven by higher proportionate sales of commercial tires, and favorable foreign currency translation of $5 million, driven by the strengthening of the euro.
Europe, Middle East and Africa unit sales in the third quarter of 2020 decreased 1.3 million units, or 8.9%, to 13.2 million units. Replacement tire volume decreased 1.0 million units, or 8.2%, primarily in our consumer business, reflecting decreased industry demand as a result of the economic impacts of the COVID-19 pandemic and expected declines resulting from our initiative to align distribution in Europe. OE tire volume decreased 0.3 million units, or 11.3%, primarily in our consumer business, driven by lower vehicle production as a result of ongoing pandemic-related impacts at major OE manufacturers and our continued exit of declining, less profitable market segments.
Europe, Middle East and Africa unit sales in the first nine months of 2020 decreased 10.0 million units, or 23.8%, to 32.1 million units. Replacement tire volume decreased 6.4 million units, or 20.5%, primarily in our consumer business, reflecting decreased industry demand as a result of the economic impacts of the COVID-19 pandemic and expected declines resulting from our initiative to align distribution in Europe.
America: Net sales in the third quarter of 2020 were $1,823 million, decreasing $226 million, or 11.0%, from $2,049 million in the third quarter of 2019. The decrease in net sales was driven by lower tire volume of $155 million, unfavorable foreign currency translation of $58 million, primarily related to the Brazilian real, and lower sales in other tire-related businesses of $42 million, primarily due to a decrease in third-party sales of chemical products and lower aviation sales.
Asia Specific: Net sales in the first nine months of 2020 were $1,208 million, decreasing $361 million, or 23.0%, from $1,569 million in the first nine months of 2019. Net sales decreased due to lower tire volume of $320 million, unfavorable foreign currency translation of $27 million, primarily related to the weakening of the Indian rupee and Australian dollar, and lower sales in other tire-related businesses of $26 million, primarily due to lower aviation and retail sales.
Asia Specific: Replacement tire volume decreased 2.1 million units, or 15.3%, primarily in our consumer business, reflecting decreased industry demand as a result of the economic impacts of the COVID-19 pandemic.
Net sales in the third quarter of 2020 were $486 million, decreasing $62 million, or 11.3%, from $548 million in the third quarter of 2019. Net sales decreased due to lower tire volume of $43 million, unfavorable price and product mix of $9 million, and lower sales in other tire-related businesses of $8 million, primarily due to lower aviation sales.
We expect our liquidity to remain strong through the remainder of the year. However, the borrowing base under our first lien revolving credit facility is dependent, in significant part, on our eligible accounts receivable and inventory, which have declined as a result of our lower sales and production levels due to the COVID-19 pandemic.

Earnings

Bullish Statements
The change in Goodyear net income (loss) was driven by lower segment operating income, partially offset by lower income tax expense.
Our earnings and forecasts of future profitability, taking into consideration recent trends, along with three significant sources of foreign income provide us sufficient positive evidence that we will be able to utilize our remaining foreign tax credits that expire between 2025 and 2030.
Bearish Statements
Earnings in other tire-related businesses decreased by $25 million, primarily due to lower aviation and motorcycle sales.
Additionally, on April 17, 2020, we reached a tentative bargaining agreement, which was ratified on May 1, 2020, and subsequently permanently closed our Gadsden, Alabama manufacturing facility (“Gadsden”) as part of our continuing strategy to strengthen the competitiveness of our manufacturing footprint by curtailing production of tires for declining, less profitable segments of the tire market.

Expenses

Bullish Statements
These negative impacts were partially offset by cost savings of approximately $76 million, including raw material cost saving measures of approximately $6 million.
These decreases were partially offset by a $24 million increase in expense related to potentially uncollectible accounts receivable, primarily in EMEA and Americas.
Interest expense in the first nine months of 2020 was $246 million, decreasing $15 million, or 5.7%, from $261 million in the first nine months of 2019.
SAG decreased primarily due to lower global travel-related expenses of $8 million and lower product liability costs of $5 million in Americas.
We have taken, and will continue to take, other actions to reduce costs and preserve cash in order to successfully navigate the current economic environment, including limiting capital expenditures to no more than $700 million for the full year and reducing discretionary spending, including other selling, administrative and general expenses (“SAG”), which, in total, decreased by $17 million and $118 million in the three and nine months ended September 30, 2020, respectively.
These decreases were partially offset by improvements in price and product mix, primarily in EMEA and Americas. In the third quarter of 2020, Goodyear net loss was $2 million, or $0.01 per share, compared to net income of $88 million, or $0.38 per share, in the third quarter of 2019. The change in Goodyear net income (loss) was driven by lower segment operating income, partially offset by lower income tax expense.
Europe, Middle East and Africa: These decreases were partially offset by lower raw material costs of $11 million and improvements in price and product mix of $10 million.

Cashflow

Bearish Statements
We are actively monitoring our liquidity and have taken a number of actions aimed at mitigating the negative consequences of the COVID-19 pandemic on our cash flows and liquidity, such as suspending production at most of our manufacturing facilities during parts of the first half of 2020, reducing our second quarter payroll costs through a combination of furloughs, temporary salary reductions and salary deferrals, refinancing our first lien revolving credit facility to extend its maturity and increase its borrowing base, issuing $800 million of 9.5% senior notes due 2025, temporarily suspending the quarterly dividend on our common stock, reducing capital expenditures and discretionary spending, and using governmental relief efforts to defer payroll and other tax payments globally.

Debt

Bearish Statements
In addition to our previous financing activities, we may seek to undertake additional financing actions which could include restructuring bank debt or capital markets transactions, possibly including the issuance of additional debt or equity. Given the inherent uncertainty of market conditions, access to the capital markets cannot be assured.

Technical Analysis

Leap PT: 17
https://preview.redd.it/8l9fav3znt861.png?width=1242&format=png&auto=webp&s=123f55a26e87d5649343602162ce2afab3ec90f6
Medium (Earnings Run) PT: 12.5
https://preview.redd.it/n3yxa7b2ot861.png?width=1242&format=png&auto=webp&s=8f2279b34a62593ef6cdd4ae1a9209ce129c1c06

Option Order Flow

https://preview.redd.it/dg38cbm8ot861.png?width=1242&format=png&auto=webp&s=d80461f9f86667b6997a07544a711fe71e6621cf

Dec. Dark Pool Prints

https://preview.redd.it/85bz5hlbot861.png?width=1242&format=png&auto=webp&s=a24b500123f1666843927e95efb41bc284554935
Rating: BUY
EOY 2021 Target: 17 (conservative)
Feb. 2021 Target: 12.5
-----------------------------------------------------------------------------------------------------------------------------------------------------

Positions I’m Considering

Naked Pre-earnings Play: 10c exp. 02/12/21
Long Call Spread: BUY 7c, SELL 15p exp. 02/12/21
LEAP: 11c exp. 4/16/21
submitted by jjd1226 to PocketAnalysts [link] [comments]

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Contemporary Theory And Research: An Introduction (2018)(self) 1 [BOOK] ETHICS, PROFESSIONALISM, AND DECISION-MAKING FOR SIGN LANGUAGE INTERPRETERS(self) 1 [BOOK] The Interpreter's Quick Guide to Self-Employment(self) 1 [BOOK] The Professional Sign Language Interpreter's Handbook(self) 1 [Book] Oxford Textbook of Medicine 6th Edition ISBN-13: 978-0198746690, ISBN-10: 0198746695(self) 1 Needs Digitizing [Article] Bjorksten 1942, "Chemistry of duplication"(self) 7 [Article] some articles regarding akbar(self) 4 [Book] Social policy in times of austerity: Global economic crisis and the new politics of welfare by Kevin Farnsworth and Zoë Irving(self) 1 [Book] Transitions: Developing Chinese Fluency: Intermediate Chinese(self) 1 [BOOK] Economics of education by Dominic J.Brewer & Patrick J.McEwan(self) 1 [Article] Some Pharmacological Studies On Bufotenine And Bufotenidine; N A Pereira, I C Marins, H Moussatche(self) 9 [Article] Cromwell, Oliver by John Morrill from Oxford Dictionary of National Biography(self) 1 [Book] The King and the People: Sovereignty and Popular Politics in Mughal Delhi Abhishek Kaicker(self) 1 [BOOK] Power, Memory, Architecture: Contested Sites on India's Deccan Plateau, 1300-1600 Richard M. Eaton and Phillip B. Wagoner(self) 1 [Book] Hospitality Management: An Introduction by Eli Sampson(self) 1 [BOOK] The Interlinear Bible: Hebrew-English (4 Volume Set) (English, Hebrew and Greek Edition)(self) 1 [Request] [Article] An Intelligent Tutoring System Tool Combining Machine Learning and Gamification in Education(self) 1 [Book] Sacred Scents in Early Christianity and Islam, by Mary Thurlkill(self) 1 [ BOOK] The Interlinear Bible: Hebrew-English (4 Volume Set) (English, Hebrew and Greek Edition)(self) 4 [book] A Peril and a hope : the scientists' movement in America : 1945-47(self) 0 [Request] [Article] Uncertainties of Measurements in Room Acoustics(self) 1 [book] The Oxford Essential Dictionary of the U.S. Military(self) 4 [BOOK] 'The Camphor Flame: Popular Hinduism and Society in India - Revised and Expanded Edition' by C. J. FULLER, 2004(self) 1 [Request][Book] New Directions in Homotopy Theory - Contemporary Mathematics(self) 5 [Book] Peace Education Evaluation: Learning from Experience and Exploring Prospects by Celina Del Felice, Aaron Karako & Andria Wisler(self) 1 Meta The Real MVP of this whole subreddit, meet Alexandra Elbakyan. The web developer who created Sci-hub.(self) 0 [Request][Book] Nature Displaced, Nature Displayed: Order and Beauty in Botanical Gardens by Nuala Christina Johnson(self) 0 [Request][Book] Postnormal Conservation: Botanic Gardens and the Reordering of Biodiversity Governance by Katja Grötzner Neves(self) 8 [Request] [Article] "New considerations on Mamluk Heraldry"(self) 0 4 10 [Article] Malaina, Alvaro 2015 The Empire as Rhizome & Assemblage: Deleuze & Guattari's Reading of Hardt & Negri's Empire. The Global Studies Journal 8(2), 2015.(self)NSFW 6 0 3 . 5 1 [Book] Dynastic Lycia: A Political History of the Lycians and their Relations with foreign Powers, c. 545-362 B.C. by Antony. G. Keen(self) 1 [Book] Handbook of Multicultural Counseling [4th e.](self) 5 [Article] Different roles of distinct serotonergic pathways in anxiety-like behavior, antidepressant-like, and anti-impulsive effects (doi: 10.1016/j.neuropharm.2019.107703)(self) 4 [Article] The Tangential Impulse Water Wheel in California Gold Mining History(self) 4 [Book] (JSTOR) Imperial spaces: Placing the Irish and Scots in colonial Australia by Proudfoot, L., & Hall, D.(self) 6 [BOOK] Sons of the Soil: Migration and Ethnic Conflict in India by Myron Weiner(self) 0 [Chapter] MUSIC PATRONAGE IN THE SULTANATE OF GUJARAT: A SURVEY OF SOURCES With FRANÇOISE DELVOYE(self) 4 [Article] request: Creative workspaces – a fad or making real impact? doi: 10.1108/JCRE-09-2016-0029(self) 4 [article] PRE-ANNEXATION SULTANATE: ADMINISTRATION UNDER GUJARAT SULTANS(self) 1 [BOOKS] Party System Change in South India: Political Entrepreneurs, Patterns and Processes by Andrew Wyatt(self) 1 [Chapter] Court and State Evolution of a Regional Consensus, c. 1390–1511(self) 6 [BOOK] Understanding the Pentateuch as a Scripture(self) 1 [Book] Prehispanic Source Materials for the Study of Philippine History(self) 1 4 [BOOK] The Aleppo Codex: A True Story of Obsession, Faith, and the Pursuit of an Ancient Bible(self) 1 [Book] Proust/Warhol: Analytical Philosophy of Art by David Carrier(self) 1 [Book] Psychology 5th edition by Robert A. Baron, Girishwar Misra(self) 3 [BOOK] "The Popular Handbook of Archaeology and the Bible: Discoveries That Confirm the Reliability of Scripture(self) 2 [BOOK] "The Popular Handbook of Archaeology and the Bible: Discoveries That Confirm the Reliability of Scripture"(self) 4 [Book] Language, Education, and Neoliberalism (Flubacher and Del Percio, Eds.)(self) 5 [Book] The Metaphysics of Technology(self) 3 [Book] The Divided Economy of Mandatory Palestine, Jacob Metzer(self) 1 [book] Cycling and Cinema by Bruce Bennett(self) 4 [Book] (JSTOR) Diaspora Criticism by Sudesh Mishra(self) 4 [ARTICLE] Carmen Miranda and Brasilidade: Hollywood glamour and exoticism reinterpreted (ProQuest)(self) 1 [BOOK] INRA feeding system for ruminants(self) 2 [Article] Comparison of p450 Enzymes Between Cynomolgus Monkeys and Humans: p450 Identities, Protein Contents, Kinetic Parameters, and Potential for Inhibitory Profiles(self) 12 [Article] The Misunderstood Roots of International Order by James Goldgeier(self) 5 [Book] Cantonese: A Comprehensive Grammar (2nd edition)(self) 1 [Article] The culture of permadeath: Roguelikes and Terror Management Theory. Parker, Rob(self) 1 [Book] Environmental Ethics: An Anthology (Light and Rolston, eds.)(self) 2 [Book] IATA LAR Manual any edition(self) 1 [Chapter] 3 chapters from the book "Guru Gobind Singh (1666-1708) Master of the White Hawk"(self) 5 [ARTICLE] 'GNOSTIC LIBERALISM' George, Robert P. First Things: A Monthly Journal of Religion and Public Life; New York Iss. 268, (Dec 2016): 33-38 (no known doi)(self) 1 [book] An Invitation to Algebraic Numbers and Algebraic Functions - Franz Halter-Koch(self) 1 [Article] Stanford Journal of International Law Vol 22 (1986)(self) 7 [Book] The Rule of Unwritten International Law by Peter G. Staubach(self) 1 [Book] Good Work If You Can Get It: How to Succeed in Academia by Jason Brennan(self) 1 [BOOK] Indo-Persian relations : a study of the political and diplomatic relations between the Mughul Empire and Iran by Riazul Islam (1970)(self) 4 [ARTICLE] - The will to conservation: A Burkeian analysis of dust bowl rhetoric and American farming motives(self) 1 [Article] request ELT Journal Debate 2010 at IATEFL(self) 3 [ARTICLE] Quadriceps Tendon Graft for Anterior Cruciate Ligament Reconstruction: THE GRAFT OF THE FUTURE! - John W. Xerogeanes, M.D(self) 1 [Book] Technologie des Flugzeuges by Klaus Engmann(self) 7 [Book] The Oxford Handbook of Philosophy in Early Modern Europe(self) 4 [ARTICLE] Would anyone with access to Project Muse be able to help me with this?(self) 4 [Article] The Babaylan in Philippine History(self) 1 [Book] European Values (2017) by Pierre Bréchon and Frédéric Gonthier(self) 3 [ARTICLE] "Direct steering of de novo molecular generation with descriptor conditional recurrent neural networks" Panagiotis-Christos Kotsias, Josep Arús-Pous, Hongming Chen, Ola Engkvist, Christian Tyrchan & Esben Jannik Bjerrum. (2020)(self) 7 [Article] Cooking Literacy: Meringues as Culinary Scaffoldings(self) 1 [Book] The Comprehensive NCLEX-RN Review by ATI Nursing Education(self) 2 [Article] Anti-inflammatory activity of a fixed combination of probiotics and herbal extract in an in vitro model of intestinal inflammation by stimulating Caco-2 cells with LPS- conditioned THP-1 cells medium(self) 5 [Article] "A meta-analysis of the facial feedback literature: Effects of facial feedback on emotional experience are small and variable." Coles, N. A., Larsen, J. T., & Lench, H. C. (2019)(self) 3 [Article] schlesinger lb 2002 stalking homicide and catathymic process a case study(self) 4 [Article] c-Rel is a myeloid checkpoint for cancer immunotherapy(self) 4 [Article] Safe, Sane, and Consensual—Consent and the Ethics of BDSM, by Morten Ebbe Juul Nielsen(self) 1 [Book] Transnationalisation and Legal Actors: Legitimacy in Question (edited by By Bettina Lemann Kristiansen, Katerina Mitkidis, Louise Munkholm, Lauren Neumann, Cécile Pelaudeix)(self) 7 [Article] MUGHAL PAINTING, PATRONS AND PAINTERS S.P. Verma(self) 4 [Chapter] Chapter 6 Sixteenth-century manuscript painting in The Illustrated Baburnama(self) 1 [Book]Strong Soldiers, Failed Revolution The State and Military in Burma, 1962‒88(self) 1 [BOOK] The Lesser-known World of Mughal Emperor Jahangir BySom Prakash Verma(self) 5 [Article] Fasted Versus Nonfasted Aerobic Exercise on Body Composition(self) 5 [Article] Prevalence and Causes of Visual Impairment and Blindness Among Adult Chinese in Hong Kong - The Hong Kong Eye Study(self) 6 [BOOK] The Worm Farmer's Handbook: Mid- to Large-Scale Vermicomposting for Farms, Businesses, Municipalities, Schools, and Institutions by Rhonda Sherman(self) 4 [Article] Sedimentological Consequences of a Steady-State Ocean-Atmosphere(self) 1 [Article] The Ekphrastic Principle and the Still Movement of Poetry; or Laokoön Revisited(self) 10 [Book] Research Perspectives on English for Academic Purposes, by John Flowerdew and Matthew Peacock(self) 1 [Book] The Moral Argument by Paul Copan(self) 6 [Article] Effects of bisphenol A, an environmental endocrine disruptor, on the endogenous hormones of plants(self) 1 [Book] Iisashibun no Kenkyuu(self) 4 [Article] Prevalence and Associated Factors of Diabetic Retinopathy in Type 2 Diabetic Patients: A Hospital-Based Study(self) 1 [Article] Antiplatelet and Anticoagulation Treatment in Patients with Thrombocytopenia(self) 3 [Article] A Unified Nomenclature for Injectisome-Type Type III Secretion Systems(self) 7 [BOOK] Built on Sand: The Science of Granular Materials (The MIT Press)(self) 1 [book] Poverty and Deprivation in Europe by Brian Nolan and Christopher T. Whelan(self) 4 [Article] Transmission of microbial pathogens by cedar shoe trees by S. Woeste(self) 1 [BOOK] The Complete Guide to Working with Worms Using the Gardener's Best Friend for Organic Gardening and Composting Revised 2nd Edition by Wendy Vincent(self) 3 [Article] Wiley: "Real‐time flood forecasting based on a high‐performance 2D hydrodynamic model and numerical weather predictions" - Ming et al.(self) 3 [Book] Thicker than water: the origins of blood as symbol and ritual(self) 1 [BOOK] Humanities, Society, and Technology: Living With Change ( Robin Satterwhite, Janet Amirtharaj)(self) 1 [Book] A Social History of the Media: From Gutenberg to the Internet (3rd Edition). By Asa Briggs, Peter Burke(self) 1 [Book]The Oxford Handbook of Schopenhauer(self) 1 [Book] Convivial Toolbox: Generative Research for the Front End of Design(self) 4 [Book] (Brill) The Dispersion: A History of the Word Diaspora by Dufoix, Stéphane(self) 3 [Article] “The Pleasure Principle and Sexual Neurosis”, Viktor E. Frankl(self) 1 [BOOK] Communication, Digital Media, and Popular Culture in Korea: Contemporary Research and Future Prospects(self) 4 [CHAPTER] Carmen Miranda: From national star to global brand by Ana Rita Mendonça and Lisa Shaw(self) 1 [Book] Atheism from the Reformation to the Enlightenment by Michael Hunter and David Wootton(self) 0 [Request] [Book] Health Policy Issues: An Economic Perspective, 7th Edition(self) 1 [BOOK] Made in Korea: Studies in Popular Music (Routledge Global Popular Music Series)(self) 1 [BOOK] Proofs in Competition Math: Volume 1(self) 1 [BOOK] Psychology for the Other: Levinas, Ethics and the Practice of Psychology(self) 1 [Book] Magnum Contact Sheets by Kristen Lubben(self) 1 [BOOK] Routledge Handbook of East Asian Popular Culture(self) 4 [Book] Existential Semiotics - Eero Tarasti (2001)(self) 1 [Book] Intonation, structure prosodique et ondes cérébrales: introduction à l'analyse prosodique(self) 2 [Book] GIVE ME LIBERTY! VOL.2 5TH EDITION(self) 4 [Article] Optimal City Selection and Concert Tour Planning Based on Heuristic Optimization Methods and the Use of Social Media Analytics(self) 1 [BOOK] 'Performative politics and the cultures of Hinduism: Public uses of religion in Western India' by Raminder Kaur(self) 3 [Chapter] Logic and the Different Types of Question - James Somerville(self) 1 [Book] The Ephebic Inscriptions of the Fourth Century B.C. O.W. Reinmuth(self) 4 [Book] Scribal Wit Aramaic Mnemonics in the Leningrad Codex(self) 4 [Article] "Is there a Sophistic Ethics?" by Richard Bett (2002)(self) 5 [Book] Information Structure in Lesser-described Languages (2018)(self) 3 [Article] Unfilled Positions in the 2020 Radiation Oncology Residency Match: No Longer an Isolated Event(self) 4 [Book] Understanding Common Law Legislation: Drafting and Interpretation(self) 9 [Article] BnBeeEpi: An Approach of Epistasis Mining Based on Artificial Bee Colony Algorithm Optimizing Bayesian Network(self) 1 [Chapter] Title: Organization and function of the inorganic constituents of nuclei by Poulson and Bowen, 1952(self) 1 [BOOK] The Evolution and Social Impact of Video Game Economics- Casey B. Hart(self) 1 [Book] Egyptian Mythology: A Guide to the Gods, Goddesses and Traditions of Ancient Egypt by Geraldine Pinch(self) 3 [BOOK] Aristotle: Metaphysics Book Iota - Laura M. Castelli(self) 6 [Article] Virtues of Theft: Andre Techine's Thieves(self) 5 [CHAPTER] 'Love and Violence: Dialectical Reflections on the Phenomenology of the Crusade' Timo J. M. Slootweg(self) 1 [Book] Countervisions : Asian American Film Criticism(self) 4 [ARTICLE] Ecological functions and ecosystem services provided by Scarabaeinae dung beetles(self) 4 [ARTICLE] Wiley: River Research and Applications: Volume36, Issue4 Special Issue: Riverine landscapes, water resource development and management: A view from down under May 2020(self) 2 [Article] Intrinsic Valuing and the Limits of Justice: Why the Ring of Gyges Matters(self) 3 [BOOK] Nelson's Illustrated Bible Dictionary(self) 1 [BOOK] THE BIOSPHERE: PROTECTING OUR GLOBAL ENVIRONMENT (whole pdf please)(self) 7 [Book] Illuminating in Micrography, Dalia-Ruth Halperin(self) 6 [Book] From Perversion to Purity: The Stardom of Catherine Deneuve(self) 2 [Book] Effective Leadership and Management in Nursing(self) 4 [Article] Foster, John Bellamy (Editor) 2020 Monthly Review 72(1) 2020. (whole issue, please)(self) 1 [book] The Zofingia Lectures(self) 1 [Book] God's Phallus: And Other Problems for Men and Monotheism(self) 4 [book] America at War with Itself(self) 1 Needs Digitizing [Article] Thermal Conductivities of Gaseous Acetates(self) 1 [Book] Morality and Mathematics(self) 3 [BOOK] Explorations in Critical Criminology in Honor of William J. Chambliss - Dawn L. Rothe(self) 4 [Book] Algae Based Polymers, Blends, and Composites(self) 1 [Book] Nepal in crisis : growth and stagnation at the periphery by Piers M Blaikie(self) 1 [Book] Once a hermit kingdom : ethnicity, education, and national integration in Nepal by Tod Anthony Ragsdale(self) 0 . pdf: [Book] Software fault injection: inoculating programs against errors by Jeffrey M. Voas and Gary McGraw(self) 1 [Book] Pokhara : biography of a town by Jagannath Adhikari(self) 1 [Journal] Studies in Nepali history and society by Mandala Book Point(self) 7 [Article] Request: Anatomy of a persuasion schema: Targets, goals, and strategies (Rule, Bisanz, Kohn)(self) 4 [Chapter] Norms of Governance and Aspects of Administration Raziuddin Aquil(self) 5 [Book] Freud: An Intellectual Biography by Joel WhiteBook(self) 4 [Article] Efficacy and Tolerability of Tranylcypromine Versus Phenelzine: A Double-Blind Study in Antidepressant-Refractory Depressed Inpatients(self) 5 [Book] Feminist Theory: A Philosophical Anthology / Ann Cudd (Editor), Robin Andreasen (Editor)(self) 2 [BOOK] Schouler-Ocak, Meryam; Kastrup, M. Intercultural Psychotherapy For Immigrants, Refugees, Asylum Seekers and Ethnic Minority Patients.(self) 2 [Chapter] Les catégories et Les Catégories by Jonathan Barnes(self) 1 [Book] Constitutional law by JN pandey(self) 4 [Article] A Meta-Analytic Review of Two Modes of Learning and the Description-Experience Gap Dirk Wulff(self) 5 [Book] Cellular and Molecular Immunology, 9th Edition(self) 6 [Article] Energy Release Rate Approximation for Small Surface Cracks in Three-Dimensional Domains Using the Topological Derivative(self) 1 [book] Cognitive, emotive and ethical aspects of decision making and humans and in artificial intelligence, volume II(self) 1 [Book] The Seventh Million: The Israelis and the Holocaust(self) 2 [BOOK] International Organizations Politics, Law, Practice - Ian Hurd(self) 1 [Article] Methylphenidate as Treatment for Clozapine-Induced Sedation in Patients with Treatment-Resistant Schizophrenia.(self) 6 [Book] Social Background of Indian Nationalism by A. R. Desai(self) 1 [Book] Human Geography: A Short Introduction by John Rennie Short(self) 4 [Article] Dai, Qingfeng, et.al (2017): 'Compact notch slot antenna with quasi-isotropic radiation for UHF RFID tags', IEEE(self) 4 [book] The Oxford Handbook of New York State Government and Politics(self) 5 [Article] Foster, John Bellamy 2001 Imperialism and "Empire". Monthly Review 53 (7), 2001.(self)NSFW 1 [Book] Sintaxis y morfología de la lengua española(self) 5 [Article] On Being a Transamorous Man by G Nicholson(self) 8 [Article] Forensic analysis of android mobile devices(self) 5 [Chapter] "Concept, class, and category in the tradition of Aristotle" by J. P. Sutcliffe(self) 1 [Chapter] "Product Class 9: Benzo-1,2-, Benzo-1,4-, Naphtho-1,2-, and Naphtho-1,4-quinone Imines and Diimines"(self) 1 [Book] Beginning Modern Korean: An Interactive Approach(self) 5 [Book] Lovers of God Sufism and the Politics of Islam in Medieval India ByRaziuddin Aquil(self) 1 [Chapter] Butuan in the pre-colonial Southeast Asian international system(self) 4 [book] Handbook of Financial Risk Management by Thierry Roncalli(self) 1 [Article] Trade and Politics in Mindanao-Sulu, Moluccas and Bornay (Brunei), 14th-16th Centuries(self) 4 [Article] Looking for this paper(self) 4 [Book] Women and the Puranic Tradition in India ByMonika Saxena(self) 4 [Book] Spinoza on Reason, Passions, and the Supreme Good(self) 8 [Article] We Acquire Vocabulary and Spelling by Reading: Additional Evidence for the Input Hypothesis(self) 1 [Book] Britain and the Seventy Years War, 1744-1815 by Anthony Page(self) 2 [Article] Passive load-deformation properties of human temporal muscle(self) 1 [Book] Grounded theory: a practical guide (2nd. edition). By Melanie Birks and Jane Mills(self) 2 [BOOK] Memes in digital culture - Limor Shifman(self) 5 [Book] Escaping Paternalism by Mario Rizzo and Glen Whitman(self) 5 [Book] California Indian Languages(self) 4 [Article] Improving the value of healthcare delivery using publicly available performance data in Wisconsin and California, Toussaint J, Shortell S, Mannon M.(self) 3 [BOOK] State, War, and the State of War(self) 1 [book] Complete English Spelling and Pronunciation Rules: Simple Ways to Spell and Speak Correctly (The Farlex Grammar Book Book 3)(self) 1 [Chapter] Luxury Goods for Royal Collectors: Exotica, princely gifts and rare animals exchanged between the Iberian courts and Central Europe in the Renaissance (1560–1612), by Almudena Pérez de Tudela & Annemarie Jordan Gschwend(self) 1 [Other] Coating, Plasma Spray Deposition AMS2437(self) 1 [book] Fundamental Concepts and Skills for Nursing, 5th Edition(self) 5 [ARTICLE] Immunologic Effects of Psychotropic Pharmaco-Therapeutics(self) 1 [Book] Admiralty in a Nutshell(self) 1 [Book] Physiology of Sport and Exercise 7th Edition by W. Larry Kenney, Jack Wilmore and David Costill(self) 3 [BOOK] A Reader's Guide to Andrei Bely’s "Petersburg" by Leonid Livak(self) 1 [BOOK] Encouraging Pro-Environmental Behaviour: What Works, What Doesn't, and Why(self) 3 [Article] Girard and the “Sacrifice of the Mass”: Mimetic Theory and Eucharistic Theology(self) 2 [Article] https://www.jstor.org/stable/10.14321/contagion.24.1.0159?seq=1(self) 2 [Book] Making Hong Kong(self) 1 [Article] “Probability methods in the theory of conformal mappings”, N. G. Makarov, (ENGLISH)(self) 1 [BOOK] Abrahamse, 2019, Encouraging Pro-Environmental Behaviour(self) 4 [Article] Achromobacter xylosoxidans cellular pathology is correlated with activation of a type III secretion system(self) 6 [BOOK] Social support and physical health : understanding the health consequences of relationships (Bert N Uchino)(self) 1 [Book] The Epistemological Significance of the Interrogative by James Somerville(self) 1 [Chapter] Meyer, R.K, Slaney, J.K. 1989. Abelian logic (from A to Z)(self) 1 [Book Chapter] Meyer, R.K., Slaney, J.K. 1989. Abelian logic from A to Z.(self) 1 [book] Santiago, A First Course in Dimensional Analysis(self) 1 [BOOK] 'Pagans and Christians in the City: Culture Wars from the Tiber to the Potomac' by Steven D. Smith, Grand Rapids, Michigan : William B. Eerdmans Publishing Company, 2018(self) 5 [Article] The perception of musical rhythms + H. Christopher Longuet-Higgins and Christopher S. Lee(self) 1 [Book] The resilience machine; Jim Bohland, Simin Davoudi, Jennifer L. Lawrence(self) 1 [Book] Law and Social Theory, by Reza Banakar; Max Travers(self) 4 [Book] Living Mirrors: Infinity, Unity, and Life in Leibniz's Philosophy(self) 1 [Book] Digital Preservation for Libraries, Archives, and Museums (Second Edition)(self) 2 [Book] Arab Cinema: History and Cultural Identity (Viola Shafik, 2007, New Revised Edition)(self) 1 [Book] Gold For The Sultan by C.G.A. Clay(self) 3 [Book] The Little Prince translated by Michael Morpurgo(self) 3 [Article] The Role of the Lawyer in Society by WM Reece Smith, Jr.(self) 1 [Book] Osbert the Avenger : Book 1 (Tales from Schwartzgarten) + by Christopher William Hill(self) 4 [Article] Arendt and Deleuze on Totalitarianism and the Revolutionary Event(self) 4 [Book] Long live Latin. The Pleasures of a Useless Language; by Nicola Gardini(self) 6 [Article](self) 6 [Book] The Wrong of Rudeness (Amy Olberding, 2019)(self) 1 [Book] Red God of War: Soviet Artillery and Rocket Forces(self) 1 [Book] Avoidance Of Cavitation Damage :Principles, Methods of Test, Applications, Experience By (author) Wolfgang Tillner ISBN: 978-0-852-98807-7(self) 4 [Article] Venous thrombosis | Nature Reviews Disease Primers(self) 4 [Article] Are There Benefits from the Use of Fish Oil Supplements in Athletes? A Systematic Review(self) 4 [Article] Ekphrasis in Recent Popular Novels: Reaffirming the Power of Art Images(self) 1 [Book] Pierpaolo Martino - La filosofia di David Bowie(self) 7 [Article] Airport/Transit Best Project: Canpotex-Portland Terminal Potash Storage Shed(self) 5 [BOOK] The Sartrean Mind - Matthew E. Eshleman, Costance L. Mui(self) 11 [book] Viscosity of Pure Organic Liquids and Binary Liquid Mixtures · Viscosity of Pure Organic Liquids and Binary Liquid Mixtures(self) 4 [Thesis] Over-Relaxation Lloyd Method for Computing Centroidal VoronoiTessellations(self) 5 [Book] Atlas of Laryngoscopy 3rd Edition(self) 4 [Article] The Real Challenge of Plato's Republic(self) 5 [Book] The Syntax of Mainland Scandinavian(self) 4 [BOOK] Quantum theory without reduction - M. Cini, J. M. Levy-Leblond(self) 1 [Book] Per ricordare i kanji 1: Corso mnemonico per l'apprendimento veloce di scrittura e significato dei caratteri giapponesi(self) 5 [Article] Applicability of Cellular Automata in Cryptanalysis(self) 2 [BOOKS] Chronicle Productivity Guides(self) 1 [Book] Egyptian Mythology: A Guide to the Gods, Goddesses, and Traditions of Ancient Egypt by Geraldine Pinch & [Book] Foyle's Further Philavery by Christopher Foyle(self) 1 [book] 500 Days: Transition to Market(self) 1 [book] Syntax der Arabischen Schriftsprache der Gegenwart Teil I, Band 1 Das Nomen und sein Umfeld(self) 1 [BOOK] Quantum theory without reduction - M. Cini, J. M. Levy-Leblond(self) 4 [BOOK] Writing Life: Early Twentieth-Century Autobiographies of the Artist-Hero by Mhairi Pooler(self) 2 [Article] A randomized, double‐blind controlled study of the efficacy and safety of topical solution of 0.25% finasteride admixed with 3% minoxidil vs. 3% minoxidil solution in the treatment of male androgenetic alopecia(self) 1 [Book] Mastering Sociology by James M. Henslin(self) 2 [Article] Maintenance of optimised hair growth from viable terminal scalp hair follicles at baseline with oral finasteride in male pattern hair loss and first evidence of a “drug dependency” and a post‐finasteride “rebound effect”(self) 6 [Article] Integrating Hunger with Rival Motivations(self) 2 [Book] Painting on the wild side by sharon stansifer(self) 4 [Book] The Quest for God and the Good(self) 1 [Book] Latin to GCSE series(self) 3 [book] Augustine's Conversion from Traditional Free Choice to 'non-Free Free Will': A Comprehensive Methodology by author Kenneth M. Wilson(self) 7 [Article] French Kiss Technique: An Anatomical Study and Description of a New Method for Safe Lip Eversion.(self) 2 [Article] Controversies in the treatment of androgenetic alopecia: The history of finasteride(self) 1 [book] Introduction to Discrete Dynamical Systems and Chaos + Mario Martelli(self) 4 [Book] Inequality in the 21st Century(self) 1 [Book] Greek to GCSE(self) 1 [BOOK] The Economics of Artificial Intelligence: An Agenda - Ajay Agrawal, Joshua Gans, Avi Goldfarb(self) 1 [Book]: Metaphysics, Epistemology, and Technology(self) 1 [Article] Bioinformatique structurale - Bases de données et méthodes de prédiction(self) 1 [Book] Universality and Continuity in International Law(self) 1 [Article] Interrogation et gestion de données bio-informatiques pour la biologie moléculaire(self) 6 [Article] Judaism: a quarterly journal of jewish life and thought(self) 3 [BOOK] Health Policy Issues: An Economic Perspective 7th edition(self) 4 [Article] Utopia of Immanence: Revolution in Delueze and Guattari(self) 1 [Article] Bioinformatique et biomathématique de la biodiversité(self) 1 [BOOK] Theories of the Democratic State - John S. Dryzek & Patrick Dunleavy(self) 4 [ARTICLE] Hermeneutic Study Of the lived Experiences of African American Women With Postpartum Depression(self) 4 [ARTICLE] Would anyone with access to Project Muse be able to help me with this?(self) 4 [Article] Rational processing or rationalization? The effect of disconfirming information on a stated religious belief.(self) 1 [Book] The Sword: Form and Thought by Lisa Deutscher(self) 4 [Article] Toward fieldable human-scale mobile manipulation using RoMan(self) 4 [Article]Pursuing One's Own Prince: Love's Fantasy in Otome Game Contents and Fan Practice by Leticia Andlauer(self) 3 [Article] Exercise Induces Different Molecular Responses in Trained and Untrained Human Muscle. Med Sci Sports Exerc. 2020 Feb 19. Moberg M, Lindholm ME, Reitzner SM, Ekblom B, Sundberg CJ, Psilander N(self) 1 [Book] Political Science Today by Wendy N. Whitman Cobb(self) 1 [Book] Women, War and Peace in South Asia: Beyond Victimhood to Agency by Rita Manchanda(self) 1 [Chapter] 'If I Had Wheels or Love' - Shaun T. Griffin(self)
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IPO DAY: Converge goes live @ 9:30am (Monday, Oct 26)

Happy Monday, Barkada --

The PSE closed up 139 points (!!) to 6484 ▲2.2%.

Happy IPO day! Converge joins the big board today with the 2nd biggest IPO ever in PSE history, in terms of value. Let's see how it does in terms of performance. Shout-out to tekwani99 for reminding me that my "IPO Calendar" still had the wrong date listed for the IPO. It's today! IT'S TODAY.
This is a very big IPO. I don't expect this to be a "ceiling play" like MerryMart. Be careful. Regardless of whether you bought stock during the offer period, or plan to trade the IPO, or just plan to watch: be careful. If you make trades on IPO day, have a plan. Don't start the day as a trader, but end up as an investor. Put in your stops.

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Top 3 MB indices:

 Fast Food ▲4.52% 2019 IPOs ▲3.51% 2020 IPOs ▲2.94%

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 Logistics ▼0.80% MiddleClass ▼0.58% Cement ▼0.39%

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Index by Topic

INDEX TO CONTENT
Welcome!
This post will be updated with every new topic to place it into the proper category (below). Also, newer posts will be added into the appropriate topics below from time to time, so expect the content to be expanding over time.
An early list of topics (2014 time frame - from our first year) sorted by topic - in the comments. Note: Reddit only lists the first 1,000 or so topics, so these are topics you won't see in the site listing (though they're obviously still there; you just have to know what to look for).

SGIWhistleblowers subreddit earliest posts - from the site's founding forward to about 2 years ago (as of March 2020)

SGIWhistleblowers subreddit posts between 6 months and 2 years ago (as of Dec. 2020)

SGIWhistleblowers subreddit latest posts - from the latest posts going back to about 6 months ago (as of Nov. 2020)

SGIWhistleblowers in-house surveys and polls

SGI is a cult

SGI's a cargo cult + Kargo Kult Komics

SGI/Nichiren sneaks attempting to shakubuku our newest subreddit visitors from "behind the scenes"

Case study of the authoritarianism and tone-deaf demands of low-level SGI-USA leaders

Resignation Letter

Library of Leaving SGI - first-hand experiences

Secondary Library of Leaving SGI - second-hand experiences

Former SGI employee Lisa Jones' now defunct Buddha Jones site

The Nichiren Shoshu side of Ikeda's and the Soka Gakkai's/SGI's excommunication

Supersession: How intolerant religions' offshoots (like SGI from Nichiren Shoshu) claim the legitimacy and lineage of their parent religions for themselves

Norman Vincent Peale's "The Power of Positive Thinking" and SGI

Authoritarianism in SGI

The Soka Gakkai's legacy of violence and fascism

The Soka Gakkai's goal to take over Japan; Ikeda's goal to take over the world

"Shakubuku Kyoten" - the Toda-Era Soka Gakkai's "Manual of Forced Conversion" or "Bible of Shakubuku"

Ikeda's Soka Gakkai and Election Fraud

The abandoned safe incident

SGI and Murders

Karma = victim blaming

The SGI's goal of DESTROYING culture

Understanding Shinto

References to SGI in popular culture

The Soka Gakkai's deep unpopularity in Japan

The Soka Gakkai's/SGI's dream of Buddhist Theocracy: Obutsu Myogo

The Soka Gakkai's Cold War Scheming: Japan as a 3rd World Power alongside the US and Russia

The Soka Gakkai's (and especially Ikeda's) dreams of world dominance

"The Human Revolution" and "The NEW Human Revolution" excerpts: Analysis and commentary

Examples where SGI ghostwriters appear to be taking the piss - inserting subversive content into SGI indoctrinational materials

Honorary Doctorates: What they ARE and what they ARE NOT

On the subject of Ikeda's hundreds of purchased degrees and "honorary citizenships"

SGI: NO CHARITY (by design), completely self-serving and inward-facing, only priorities are enriching itself and getting more members

"This practice works!"

Spiritual Bypassing

SGI and Magical Thinking

Chanting + SGI = Addiction

SGI and Narcissists/Narcissism - including narcissistic family dynamic

Ikeda's constant bleating: "Protect me!"

Why was Ikeda propped up in a chair with dark sunglasses on sitting in an empty room with his wife, all alone? Why hasn't anybody seen him in person since 2010?

On the Gohonzon

Bizarro views of/requirements around the Gohonzon, Dai-Gohonzon

The Sho-Hondo: Iconic building with layers of hidden meaning

Fine Art Shenanigans: Weird goings-on at the Soka Gakkai's Fuji Art Museum

Life gets better after leaving SGI

How SGI destroys members' social capital

Some time away, musings on no SGI
First comment at this link

SGI and Dysfunctional Families

How SGI cultivates frustration within the membership to increase their dependence upon SGI

How SGI isolates its membership

How mass movements keep their membership - Eric Hoffer, "The True Believer", and Chris Hedges, "The Lonely American"

Gratitude Entrapment
Gratitude Entrapment - from /SGIWhistleblowers
Toda: "Not a single person who does not believe in true Buddhism today can call himself happy, though in their benightedness, many think they are content."

The attitude of Japanese supremacy within SGI

Chanting for a Man I Didn't Know

Critical Thinking and SGI

Control and Censorship within SGI

Skipping One Step

Fear Training

SGI similarities to abusive relationships - love bombing, manipulation, gas-lighting, and contempt

Ikeda's pathological obsession with winning

From 1990: "At this juncture, achieving kosen-rufu seems impossible." Nothing has changed.
SGI members committing suicide

SGI members showing their true colors: Posts where SGI trolls visited

Following Ikeda may be hazardous to your health
The Reality of the SGI

The reality of SGI members doesn't match the SGI propaganda claims

Faith healing, cancer, hostility toward science, and lies within SGI

Religious Trauma Syndrome

"Friendship" within SGI

Broken Systems Posts Summary

SGI/Mahayana Similarities to Evangelical Christianity

"Inner circle" experience vs. "outer circle" experience

WHY won't they believe us when we explain why we left?
How loud do I have to shout before I am believed?
So I'm not allowed to be 'anti' SGI!
"Why can't you just get over it and move on with your lives??"
Definition time! "Bitter” means “anger that I think should have ended by now.”
"None of these individuals who have commented negatively about the SGI or President Ikeda have ever spent a moment in reading about the history of our movement nor have they read any of President Ikeda’s writings."

"Why Are Good People Despised?"

Roofying people "for their own good"

SGI's transition from Nichiren Buddhism to the Ikeda Cult

Cult Leader Favorite Hobbies

Reports by Country
90 registered constituent organizations - list
Africa:
SGI's Hidden History: Debacle in Africa
Asia:

India

SGI's own convicted pedophile Walter Williams spent time in Indonesia, an area well-known for sex tourism
Let's talk about the SGI's "Gandhi King Ikeda Community Builders Prize" and to whom it's been awarded. Just for fun.
More horror stories
Soka star among FBI's most wanted (from the internet)

Soka Gakkai religion spread to US by former prostitutes

Domestic Violence Toda

Toda's and Ikeda's yakuza connections

Toda's failed credit cooperative

Toda was a loan shark

Did Aum Shinrikyo change the face of Japanese religion - forever?

Reports from Japan - DelbertGrady1

Ikeda's Korea Connection

Update on the SGI-USA's very own, Gandhi-King-Ikeda-award-recipient and international pedophile on the FBI's Most Wanted Fugitive list, Walter Lee Williams

Singapore

Caribbean:
Central America:
Update on the SGI-USA's very own, Gandhi-King-Ikeda-award-recipient and international pedophile on the FBI's Most Wanted Fugitive list, Walter Lee Williams
What's up with Walter?
Soka star among FBI's most wanted (from the internet)

Ikeda's links to Panamanian strongman dictatodrug runner Manuel Noriega

Europe:

Ikeda claiming he predicted the fall of the Berlin Wall - after the Berlin Wall came down

Leaving SGI-Deutschland
Middle East:
North America:

The Japanese monoethnicity of the SGI

Oceania:

Tonga

South America:
Summary of a Paper on Argentina

Brazil Articles

SGI and Scientology

Another of Japan's New Religion cults: Happy Science

The Japanese sense of ethnic and cultural superiority

The Japanese monoethnicity of the SGI

SGI transparency
One of the saddest lessons of history

SGI rewriting the past

What's your take. My son looked up SGI on that cult expert's site
Yeah, people regard the SGI as a cult
"Deluded Perceptions of a Former Soka Member" - the original "hateful rantings" edition

Soka University Posts Summary

SGI-USA's Campus Club Constitution (updated Spring 2018)

Fortune Babies

Relationship problems when one person is an SGI member

Soka Gakkai religion spread to US by former prostitutes

Attempts to change SGI from within: The Internal Reassessment Group (IRG)

Internal Reassessment Group (IRG) Documents

SGI members' attempts to change SGI from the inside

Similarities between Multi-Level Marketing (MLM) scams and SGI

SGI is misrepresenting itself as BUDDHISM

The inescapable Japanese-ness of the SGI

Anti-Nichiren + anti-Nichiren Shoshu posts

List of the Ikeda Parks

Books and Papers About the Soka Gakkai

Levi McLaughlin

Jacqueline Stone

Brian Daizen Victoria

John Ankerberg

Shuhei Yajima Posts

Alan Watts

Everything Toynbee: Dialogue with Arnold Toynbee, Articles by his granddaughter, Polly Toynbee

Walpola Rahula "What the Buddha Taught" excerpts

How mass movements keep their membership - Eric Hoffer, "The True Believer", and Chris Hedges, "The Lonely American"

Reports from Japan - DelbertGrady1

SGI-themed humor

SGI Memes

Ikeda's health problems (that melting face, primarily)

Ikeda the absent father-figure, the deadbeat dad

Ikeda's odd obsession with everyone "protecting" him

Science and Religion, 1965

Memoirs: Mark Gaber's "Sho Hondo" and "Rijicho" and Marc Szeftel's "The Society"

Novel: Scientists FORCED to chant NMRK...FOR SCIENCE!!! Or "Why faith-based books should be BANNED!"

Wendy "Byrd" Ehlmann and her blog, "A Byrd's Eye View"

Charles Atkins and his blog, "Phantom City" over at the old Fraught With Peril site

Spartacus: Cult of the Master
Sexual Abuse and Predators Within SGI

Domestic Violence and Sexual Assault in SGI

More Buddhists choosing to be "willfully naive" - just like in SGI!!
SGI-USA YMD Leaders in LA hatch scheme to bilk people of millions via fraudulent oil investments
That time top Gakkai muckety-muck in Brazil (the largest Soka Gakkai satellite colony) Mr. Saito embezzled a cool coupla million from the Sho-Hondo contribution campaign
That SGI-USA member who bilked the kingdom of Tonga out of millions - from Is the SGI failing at religion while they are succeeding at something else? - also in Ikeda as a Gap Theologian

Walter Lee Williams: Convicted Pedophile, SGI leader, Lecturer at Soka University, and recipient of "Gandhi King Ikeda" award

The disastrous 'actual proof' of the McCloskey family - don't let THIS happen to you!

When an SGI member offers to "consult" on how to improve SGIWhistleblowers

SGI Celebrities: Orlando Bloom, Tina Turner, Patrick (Who?) Duffy, and MORE!

Tina Turner

July 2010's "Rock the Era Festival" posts

September 2018 "50K Lions of Justice Festival" posts

Ikeda's odd fascination with dictators, Communists, and other dodgy company

SGI Mythmaking: Transforming pudgy, soft, manipulative, sordid little squalid Ikeda into a superhuman

Transforming pudgy, soft Ikeda into a sports prodigy/superstar

Ikeda loves to play dress-up

Daisaku Ikeda faking playing the piano - what a "mentor"

On Ikeda's "magical" picture-taking technique - photography

Recent pictures of Ikeda

What's the scoop on Ikeda? Is he still alive? or senile?

Former Chairman of Komeito's Memoirs - "Remembering Daisaku Ikeda: My 50 Years with the King of Vanity" by former Komeito chairman Junya Yano

Chilling indictment of Daisaku Ikeda by Tsugio Ishida, Toda's designated successor, 1992

Masako Takamoto/Takimoto's Letter to Daisaku Ikeda - wife of Soka Gakkai Vice President Takamoto
The BBC Studies the History of SGI Ikeda (old ARBN page)

Videos:

The Chanting Millions - Julian Pettifer, BBC
submitted by BlancheFromage to ExSGISurviveThrive [link] [comments]

The True Cost of Living in Singapore versus Australia

The True Cost of Living in Singapore versus Australia
G'Day FIAustralia,
below my experience living in Australia and Singapore. I personally found claims Singapore to be expensive completely exaggerated and decided to sum up my experience living over a decade in Australia and half a decade in Singapore. I quadrupled my saving rate in Singapore while improving my quality of life versus Australia. These are updated 2019 numbers and tax rates based on 180k income and 90k income for comparison. I think you will find the analysis valuable if you consider moving to another country to optimise your tax/ income and accelerate your Financial Independence Day significantly. I hope this post will help others assessing for their own if moving countries make sense re FI.
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The True Cost of Living in Singapore versus Australia

The Economist Intelligence Unit compares the cost of living in some of the largest metropoles worldwide. They have been compiling this annual global ranking for 30 years. In the ranking they compare a basket of 160 items against a base of prices in New York City. According to the ranking Singapore has been the most expensive city in the World five years in a row now. What's worse, not a single Australian city has made it into the Top-10 this year.
Sydney came in 16th, Melbourne 22nd, Brisbane 41st, Adelaide 51st, and Perth 54th. I cannot believe these results having lived in almost a dozen countries including Australia and Singapore. We need to set the record straight and debunk this ranking. Today I'm writing to you from cheap-o and wonderful Buenos Aires which ranks 125th.
In a nutshell, I lived and worked in Australia for close to a decade. Later, I moved to Singapore for five years. As a result my quality of life increased while my savings quadrupled. Impossible? Let's check the facts/ math. Don't get me wrong, I truly love Australia, but from a financial perspective, it just doesn't stack up. If you want to achieve financial independence you are better off making a living in a country like Singapore.
This blog post is particularly relevant to highly skilled professionals who consider moving to Singapore or Australia. I have based my analysis on an single expat without kids earning a salary of $180,000 annually. Do not worry, I modelled a $90,000 scenario as well which turns out even more surprising, believe it or not. If you would like to understand the financial pros and cons between working in Australia versus Singapore, this post is for you.
Let's compare the actual costs of living in Singapore versus Australia. We are about to break down the real numbers based on my experience. Geo optimising your income and expenses can greatly accelerate saving up for your first million.
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Income Taxes Australia
Most people don't think of it but the number one cost item in Australia is mandatory income tax and superannuation. In addition most people need to pay the so-called medicare levy of 2% (basic public health insurance). There is no way around these. As a high income earner you will be required to pay an additional 1.5% medicare levy surcharge but this can be offset by buying private health insurance (at additional expense of course). I included it as either way you need to pay up. In summary as a high income earner in Australia, say you gross $180,000, you would be required to pay $56,415 in income tax, medicare levy and surcharge, and superannuation contributions tax.
The $56,415 break up superannuation tax of $2,342, medicare charges of $5,753.52, and personal income tax of $48,319. The $15,616 in superannuation contributions you can only choose to invest in a government approved superannuation fund. You are basically forced to buy paper assets by law. You can not touch this fund to invest in your Principal Place of Residence. This is unless you create a self managed super fund which comes with huge additional costs and doesn't make financial sense for most people.
So before you spend a single dollar on housing, your taxes add up to a staggering $56,515 annually. The effective tax rate comes to 31.3%. You pay this tax with each of your paychecks. They call it Pay As You Go (PAYG). You basically work from January till almost the end of April just to pay your tax bill in Australia.
Further, one can deduct a few thousand dollars a year as a professional in some instances. You can also deduct interest for investment properties. The government incentivises you to take on debt and negatively gear - a terrible idea in my view. As I have written before, you should avoid the debt trap at all cost. For the purpose of the comparison I have excluded deductions as they vary based on individual circumstances and don't impact the overall result much.
Let's compare Australian income taxes to Singapore. Doing so we will disregard exchange rates for ease of comparison. The Singapore dollar has been more or less on par with the Australian Dollar for a few years now.
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Income Taxes Singapore
In Singapore a $180,000 gross income would attract a total tax of $17,350. The effective tax rate comes to a mere 9.6%. That's it. As a foreigner you don't contribute to the Central Provident Fund (CPF). This is the equivalent to the Australian superannuation, or similar to an American 401k. You don't even need to lodge a tax claim, because there is no meaningful deductions. It's all automated for most of the companies and it couldn't be more straight forward.
You pay after the tax year has ended and can choose to pay in arrears over 12 months (interest free!). Investing your postponed savings can additionally reduce your effective tax rate. Effectively you work just over a month for the Singaporean tax man.
By the way, If you earn significantly more than $180,000 and travel a lot for business you can reduce your effective tax rate to 10% or even 0% provided you work more than 95 or 183 days outside of Singapore. You would need to apply for Non-Ordinary Resident Tax (NOR) status which is valid up to five consecutive years. I used this to reduced my already low tax bills in Singapore even more.
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Housing Costs Australia versus Singapore
Looking at Sydney prices you need to spend around $33,000 ($2,875 monthly) for a well-located one bedroom apartment. When I lived in Singapore I paid the same amount for a brand new apartment. In addition my two storey apartment came with a guest bedroom, a second bathroom, a terrace and a balcony. Did I mention my private Jacuzzi and a swimming pool? Having said that you get some world class beaches in Sydney.
I have written another blog post on Renting versus Owning in Australia which you might find interesting. I only look at renting because it made sense to do so in the past 20 years for most young(er) professionals.
What most people however don't know is that as a foreigner you can rent so-called HDB apartments. Those are apartments that were built for Singaporeans by the government. Some of these are for rent. They don't come with balconies and amenities (like swimming pools, tennis courts, etc.). They are also half of the cost to rent as compared to private apartments.
You have a huge choice in Singapore on what to rent, at which quality, and what price point. From an Financial Independence view this second highest cost bucket can make a huge difference to your saving rate.
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Transportation Costs Australia versus Singapore
Transportation is a bloody huge expense in Australia. You need a car to get around. Infrastructure and public transportation is relatively miserably developed across Australia. I get that there is no fast trains connecting major cities given population and land size of Australia. However there is no excuse to have such a terrible public infrastructure across the bigger state capitol cities like Melbourne and Sydney.
Most professionals would need a car and partially use the public transportation system. It's a double whammy. Public Transportation will set you back some about $2,064 p.a. (172$ on average a month). BudgetDirect estimated running the average costs for a car in Sydney at $22,292 per annum in 2017. You read that right. This sum includes all running costs, incl. tolls, gas, parking, maintenance, financing, etc. We can argue surely optimise here, but I have assumed a high income professional to use a combination of car and public transport (as I have lived myself in Australia).
In contrast, you truly do not need a car in Singapore. Buses, light rails, and subways connect the entire city state. It's a fast growing state of the art public transportation system, which is subsidised by the government. They don't want you to use cars and clogged the street. Consequently, there are limited effects during peak hour compared to other cities of this size. Personally, I used a mix of taxis, walking, busing, and subway transportation. It costs me less than $12,000 a year. If you would want to save and only use the public transportation, you probably can get easily away with less than $1,200 a year at today's prices. But let's say you use taxis a fair bit for comfort of getting from A to B.
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Food Singapore versus Australia
This one is really difficult to compare as taste and preference in food and nutrition in general various greatly.
I can tell you this: In Singapore I never ever cooked once. Not in the entire five years that I lived there. I would simply go to various hawker centres (they are like non air-conditioned food courts) across the entire island and get my meals there. A meal would come as cheap as $2.50 (1 meat, 1 veg, rice) and a more elaborate meal would set me back $10 or so. I don't think you can go to McDonald's in Australia and get a meal for $10 these days.
Of course, in Singapore, you have another 7,000 restaurants to choose from and food would be more expensive there, but in Australia the same quality would cost even more in my experience.
For various basic food items and today's prices I looked at Numbeo, which compares and updates average prices regularly. I don't believe all numbers are accurate. Having said this you will get the trend that Sydney is a lot more expensive than Singapore when looking at the Numbeo figures. If you were to cook basic meat and vegetables at home it would cost you about $200 a month or $2,400 per year. In Sydney this would be around $437 a month or $5,245 per year.
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Goods and Services Tax Australia versus Singapore
Whilst this doesn't seem to be a big one, it actually is. Australian GST is 10%. Any good or service you purchase attracts a 10% GST. All your remaining disposable income is basically taxed one more time by the government. This is common today but there are differences.
In Singapore the GST is 7%, one of the lowest in the developed World. This equates to an instant 30 percent saving comparing to Australia. Think of the thousands of dollars saved here again. Of course the actual saving amount is difficult to estimate. Given most people live paycheck to paycheck we can estimate a 3% saving on the average saving potential. This equals $1,236 a year more disposable income in your pocket in Singapore than in Australia (based on the Australian Disposable Income).
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Summary of Basic Living Costs in Singapore and Australia on a $180,000 gross income
Cost of Living Australia vs Singapore on $180,000 gross income
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I have compared the biggest living expenses in Singapore and Australia above. These include taxes, housing, transportation, food, GST and utilities costs in Sydney and Singapore.
In our illustrative case we took a young individual grossing $180,000 in income a year. The saving potential is almost triple in Singapore compared to Australia. But wait, there is much more. Think about holidaying, investing savings, the opportunity cost of your time, and fun things like drinking beer.
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Vacations Singapore versus Australia
You can buy a return flight in Singapore for $150 to visit Thailand, Malaysia, Indonesia, Vietnam, Taiwan, Hong Kong, etc. There are even cheaper promotions available if you look for them. That $150 wouldn't even pay the international airport tax in Sydney or Melbourne, let alone the actual flight. Vacationing in Australia is extremely expensive, whereas all around Singapore is extremely affordable. Your disposable income takes you so much further. Having said this I will never trade my experience wandering out into the hugely diverse Australian wild. Camping in and exploring magnificent Australian National Parks and Outback is truly amazing.
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Investing Australia versus Singapore
So what are you doing with all the savings in Singapore? You invest them at zero % capital gains tax. Yes you have to pay income tax on your dividends (if applicable), but gains from sales of shares is 100 % tax exempt. In Australia you would have to taxes, again... sniff.
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Drinking Beer Australia versus Singapore
Drinking beers like the locals do in Singapore is about half the price of drinking beers in Australia. A 650ml bottle of beer in the local hawker centre sets you back $6.50 in Singapore. In Australia the same amount in the cheapest locale would be at least double that price. You can buy a bottle of whiskey in a bar in Singapore from $80 including mixers. In Australia "responsible serving of alcohol" prohibits you to buy in bulk. The average spirit has 24 shots and costs $6 per shot. We are looking at $144 and queuing up 12 times to drink a few rounds with a buddy. All the meanwhile we are being assessed if we can take more?
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Well, What If I you $90,000?
Sydney actually stacks up even worse here. I looked at how a low to medium income salary would compare in Singapore and Australia. You'd think $90,000 is not considered low to medium income, right? However, according to the Australian Tax Office this group of people can save on medicare levy surcharge of 1.5% and are eligible for an additional tax offset of $1,080. In Sydney your saving potential would actually drop further to a mere $20,050 per annum.
Assuming you keep the nice one bedroom apartment, still cook mostly at home, you would no longer be able to afford the average car and rely on public transport. Quality of life just reduced significantly. I assumed a similar scenario for Singapore, with the exception that we would cut most spend on taxi fares. In Singapore you could still afford a very nice life plus save almost two times the amount you would in Sydney. Below are the numbers.
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Cost of Living Australia vs Singapore on $90,000 gross income
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Opportunity Cost Singapore and Australia
There are many costs we can measure but some are just priceless. We are pursuing Financial Independence to gain time after all. This is our ultimate goal. And time is the biggest saving in Singapore. Think about it for a minute.
You don't need to shop groceries, get stuck in traffic jams, look for a car park, maintain your car. I saved tremendous amounts of time as everything is around the corner in Singapore. Whether it's commuting, going to the gym, doctor, airport.
If you think of the endless opportunities to generate additional income, or simply live healthier due to lower stress, this is what I valued about Singapore the most. Of course if you prefer to pay thousands of dollars a month more for Sydney Beach access, that is ok to, but don't count on becoming financially independent as fast as you could in Singapore.
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My Experience in Singapore versus Australia
In my personal case I saved thousands of hours and unnecessary stress, besides hundreds of thousands of dollars in just five years. I vacationed much more frequently for far less money, in many exotic places. It was amazing to pay a fraction of the taxes while enjoying a far superior infrastructure and much more convenient lifestyle. It's safer, easier and at least as much fun to live in Singapore.
I hope I showed you today that it's far cheaper than working and living in Australia. Like everything in life it is all about the choices we make. If you are after Financial Independence, living in a country like Singapore can greatly accelerate your Financial Independence Day.
For Freedom and Living Your Dreams,Your Financial Gladiator
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Original Blog Post:
https://financial-gladiator.com/2019/04/18/the-true-cost-of-living-in-singapore-versus-australia/
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edits: corrected table for 90k income as it shows a wrong calc for superannuation contributions.
submitted by financial-gladiator to fiaustralia [link] [comments]

Covid-19 update March 4th

Good morning from the UK. A bumper post today...
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Virus update
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Statistics
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The WHO dashboard currently reports 93,094 infections globally (up 2.4% globally since yesterday) with an extra 4 countries now reporting cases bringing the total to 77. Countries with large outbreaks: China (80,422 - up 119, their daily infection increase continues to slow down), Republic of Korea (5,328 - up another 516, that's over 10%), Italy (2,502 - up 347, that's a 22.8% jump), Iran (1,501- up 805, that's a huge 55.6% jump). Other countries include Japan (287), France (212), Germany (196), Spain (151), Singapore (110) and the US is now into triple digits with 108. All of the countries mentioned above have experienced additional infection counts in the past 24 hours.
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Plenty of space on this flight from London to Milan - journalist Laurel Chor travelled from London to Milan on a BA flight that was had an alarming amount of empty seats yesterday (Link). Within that tweet thread she also includes a picture of a police road block stopping traffic from entering an infected area.
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Experts now believe the virus mortality rate is higher than 1% - Bloomberg reports (Link) that the global fatality rate is closer to 3.4% - a story also picked up by CNBC (Link). CNBC points out that the mortality rate differs between 0.7 - 4% depending on the quality of the health care system where you're treated.
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Calm down, stop panic buying, you're making supplies hard to find for others - USA today has an article saying the US won't wipe out essentials such as toilet paper, hand sanitiser - unless frenzied stampedes continue at the current pace, mentioning that Amazon, Kroger, Costco and Target all sold out. “Panic buying is a self-fulfilling prophecy," says Karan Girotra, professor of operations at Cornell University. "If everyone thinks things are going to run out, they go and buy out things and they do run out.” Shoppers at low risk buying up protective gear have left too few face masks for medical professionals and workers who have frequent interaction with the public, such as taxi and bus drivers or retail clerks, he adds. Link. The story is much the same in Australia, with Professor Peter Collignon saying in a Guardian article (Link) "...It’s always good to have a supply of critical medicines, particularly if you have conditions like diabetes... As for over-the-counter medicines, a packet of Panadol or Nurofen lasts a long time and most people have a packet on hand, and that’s all people need. You don’t need boxes and boxes of the stuff.”
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Dr Mei Zhongming dies in Wuhan central hospital - the boss of whistleblower Dr Li Wenliang (who alerted the world to the severity of the virus before being reprimanded by police) has himself died in Wuhan hospital according to multiple reports including the largest Chinese newspaper The People's Daily (http://archive.is/wip/TEIVk). If you can read Chinese, you can read a bit more here: Link
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Amazon employee at Seattle HQ tests positive - an Amazon employee who went home feeling unwell on February 25th has now tested positive according to an employee circulated to Amazon employees. The employee remains in quarantine and employees who worked in close contact (closer than 6 feet over a prolonged period of time) have been notified. The HQ is in Washington State which so far is one of the most affected states in the USA. Link
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Economics
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WTO head says the epidemic will have a "substantial impact" on the global economy - Roberto Azevedo told heads of delegations in a closed door meeting on Monday that the virus is likely to have a significant impact on the global economy and will start to show up in trade data in the weeks to come. A ministerial level meeting in June in Kazakhstan that will attract several thousand participants is still scheduled to go ahead. Link
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G7 officials reviewing ways to bolster their economies - a conference call scheduled today to discuss the outbreak and ways to respond. Bank of England Governor Mark Carney says the officials are working on a powerful and timely response. Link
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South Korea unveils $9.8bn USD emergency budget to stem virus impact - Bloomberg is reporting that the South Korean government is seeking to unveil an emergency budget to increase government spending (already at a record) to ease the impact of the virus. The money will go to medical support, loans and subsidies for impacted business and to support low income families and jobs. The article points out that other governments are taking action relating to the virus - Hong Kong and Italy have issued emergency budgets whilst the US Federal Reserve introduced an emergency interest rate cut of 0.5% late yesterday. Link
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US Tax cuts won't stop the virus or fix broken supply chains - an editorial in Forbes has come out criticising proposals by Trump and some members of Congress to introduce new tax cuts as well as the US Fed's interest rate cuts. Fed chairman Jerome Powell said the rate cut would provide a boost to “household and business confidence,” but also acknowledged, “We do recognize a rate cut will not reduce the rate of infection, will not fix a broken supply chain.” The author of the editorial points out The US—-and the world—faces a real economic risk. But it is not a normal financial threat or economic slowdown. And it will not respond to standard fiscal stimulus. Link
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Large Alibaba-backed outbound travel agency to liquidate amid coronavirus outbreak - Reports are emerging that Beijing Baicheng International Travel is to seek liquidation. Struggling since the last half of last year, the company (which operates much like Expedia does) has 16.47% of its shares hold by Alibaba. Last year it reported 283m RMB ($40m USD) in revenue, serving just under 1m customers. Link
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Supply chain specific update
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If you only have time to read one article today read this one from Harvard Business Review "How Coronavirus Could Impact the Global Supply Chain by Mid-March" - Link The HBR predicts that the peak of the Covid-19 impact to supply chains will occur mid March, forcing throttling or temporary shut downs for thousands of companies in the US and Europe. Those most vulnerable are those which rely heavily/solely on China based factories due to shutdowns there. The article compares the current situation with the SARs epidemic (it says it's an unfair comparison) and points out (as I did) that the last of the Chinese shipments before the shutdown arrived in Europe last weekend. It also discusses the drop in consumer demand in China, and the drop in imports in major European ports.
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PwC issues advice for senior supply chain managers what to do to protect their supply chains from the coronavirus - For more information, see Link
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Demand for health products soaring - China state owned newspaper Global Times tweets that demand from Alibaba for health products has soared. Medical masks is up 13,769% (yes, thirteen thousand percent, hand sanitiser 7,360%, thermometers (4,306%). Link
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China stopped its economy, now the world is suffering (personal note: and it will affect us all) - the NYT (requires subscription) reports a case study of a US based manufacturer which supplies major retailers in the outdoor recreation lifestyle space. His suppliers have shut down, already forcing him to lay off 20% of his workforce. It's not just small players, Apple, Microsoft and Pfizer are also being impacted. The article also gives a Mongolian example of a truck driver now struggling to pay truck repayment loans because Mongolia closed the border with China and he cannot deliver coal anymore with some drivers without enough money to even buy food. The virus "is going to affect every level of American society" says the small American supplier. Link
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British online grocer experiences "exceptionally high demand" - Ocado, the British online grocer emailed its customers at the end of last week warning that exceptionally high demand was causing delivery slots to sell out rapidly, advising them to place orders 2-3 days before their intended delivery date to ensure on time arrival. Link
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What's selling on Amazon? - Vox reports that whilst Amazon has so far blocked more than 1m items from sale in recent week from scammers that falsely claimed to defend against the virus, searches for "coronavirus" or "covid-19" is producing pandemic books and protection gear along with more unusual books such as the "F*ck Coronavirus Swear Coloring book" (personal note, that one seems to have been removed but I did find "You're Going To Camp Coronavirus: Because you didn't wash your hands (Rejected Children's Books)" here: Link. Price gouging continues to be a problem with Amazon stating it's actively monitoring the store and removing offers that violate policies. Link
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Indian e-commerce giants sourcing goods from other (more expensive) markets to satisfy demand - The Times of India reports (mobile link: Link) that Amazon India and Flipkart are sourcing from California and India to source goods. For mobile accessories, the price is about 25% higher than sourcing from China. Goods will also take longer to arrive to be made available for sale, resulting in future limited availability. A senior forecast analyst at Forrester predicts that Walmart is likely to feel the same problem in the future. For now there's enough inventory, but a lot of payments and agreements between manufacturers and buyers would get stuck, take longer to materialise, and that would adversely impact pricing for private labels said one senior executive at an e-commerce firm.
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Bangladesh apparel sector being hit by soaring prices for raw materials - The Loadstar reports that some material prices have gone up by nearly 50%, forcing factory owners to fly in raw materials by air. Worse still, demand may possibly drop in key markets such as US and Europe if the virus continues to spread. 60% of Bangaldesh's woven fabrics are sourced from China and the impact is expected to last at least 3-4 months. Link
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India restricts export of some APIs and manufactured drugs - Reuters reports that India (the world's main supplier of generic drugs) has restricted the export of 26 pharmaceutical ingredients (APIs) and the drugs made from them. The list includes paracetamol (known as Tylenol in the US). Industry professionals say the generic drug makers are likely to face supply shortages if the epidemic drags on. Link
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Major US Pharma company Eli Lilly says its insulin supplies are not being impacted because it doesn't source APIs from China - a company statement is available here: Link
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Levi's says it's cautiously optimistic - Having reduced its manufacturing in China from 16% in 2017 to 1-2% in 2019, CEO Chip Bergh says that its 3rd party vendors are up and running again at approximately 75%. China is just 3% of their revenue, but they have closed over 500 stores in the country. The company has invested heavily in improving its internal e-commerce fulfilment in recent years. Link
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Sailings continue to get blanked (cancelled) - the Loadstar reports (Link) that large container carrier CMA CGM is blanking 23 North-Europe Asia sailings from now until 2nd June due to a recent demand in slowdown. The line advises that this will affect space on their Med, North Africa, East Africa, Middle East, Oceania and India subcontinent trades too. As of today, it's introduced an emergency space surcharge of €50 per 20ft and €100 per 40 ft for all shipments from North Europe to all Mediterranean and N African ports. Meanwhile, the build up of reefer boxes in Shanghai is worsening, forcing Maersk to expand its $1,000 per reefer container congestion surcharge to include Ningbo effective immediately for non-FMC trades (and for all trades by 22nd March). It asks customers where possible to ship to other China ports, especially if the cargo is time sensitive. Meanwhile, the financial cost to container lines is now approaching $2bn USD says the Loadstar in a separate article (Link)
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Airfreight prices expected to continue to rise - Rubbernews reports (link, needs subscription unless you look at the source code like me) that cargo only airlines such as Kalitta air may see a boon in the virus' wake. "There is going to be lots of demand," said Brandon Fried, executive director of the Washington D.C.-based Air Forwarders Association. "Shippers are not going to have time for the next ocean freighter sailing out. They are going to run out to the airport to look for air cargo space.". The article points out that prices have jumped from $1.65 per pound to $3 and suggests that they may reach $4.54 per pound in the coming weeks. The article finishes by pointing out that Kalitta (which primarily works as a spot hire on-demand carrier) is well positioned to take full advantage of the demand. Link
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Loadstar reports very high airfreight prices for import to SE Asia - in a colourful article, it reports that intra-Asia rates have hit an unprecedented high - currently it costs more to fly from Shanghai to Singapore/Bangkok or Yangon than it does to fly to Europe with some forwarders saying they have never seen such high rates. “This is one of the fastest peak seasons ever,” said one air freight forwarder. “The market has got very f..ked up, very quickly. “It’s becoming a pay-to-play market, and it’s all about deep pockets and whether shippers can afford to pay.” Link
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Asia-Europe specialist forwarders hitting tough times - The Loadstar also reports in this article (Link) that forwarders are seeing little air cargo on the move due to limited charter flights availability plus limited Chinese freighters operating (because the passenger airlines which fly 40-45% of the freight are still not operating). Some forwarders are adopting a sea-air solution and sending via short sea feeder vessels to Taiwan, Japan or South Korea and then flying from there. Rail is still an option but it's difficult to get cargo to the rail terminals due to a lack of trucks.
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EDIT: Added the infection count info at the top, sorry, forgot to include it! :-)
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what is monthly levy in singapore video

A Singapore Government Agency Website. Ministry of Manpower Homepage. Menu. Work passes. Employment practices. ... You are limited by a quota for your industry and must pay the monthly foreign worker levy for each Work Permit holder you employ. Find out your sector's quota and levy requirements. Foreign Worker Levy (FWL) The FWL is a monthly levy that employers are liable to pay for each foreign employee (Work Permit or S Pass holders) hired. The levy rate depends on the employer’s industry and the ratio of foreigners to Singaporeans and permanent residents employed in the company. Payroll taxes. Singapore does not have payroll withholding. All Singapore employers of maids are required to pay a monthly levy to the government as a means to limit the number of foreign domestic workers in the country, hence avoiding pressure to social resources. Normally, employers in a company in Singapore has to pay Central Provident Fund (CPF) (a savings plan) contributions for their employee. The monthly foreign worker levy due in April will be waived, as the government looks to ease the labour costs of firms during the four weeks that Singapore is on a circuit breaker to slow down the coronavirus transmission, Deputy Prime Minister and Finance Minister Heng Swee Keat said. Currently, about 80 per cent of Singaporean maid employers pay a $60 monthly levy under three concessionary schemes, instead of $265 a month. This service lets employers of foreign workers or foreign domestic workers (FDWs) see their levy bill and settle it, if they need to. It was formerly known as the Internet Foreign Worker Levy Billing System (iFWLB). The foreign worker levy, commonly known as “levy”, is a pricing mechanism to regulate the number of foreign workers in Singapore. The levy liability will start from the day the Temporary Work Permit, Work Permit or S Pass is issued, whichever is earlier. It ends when the permit is cancelled or expires. From October 2008, the statutory Singapore SDL contribution rate is 0.25% of a staff’s monthly remuneration, capped at $11.25 per month. There is a minimum levy of $2. For monthly salary bands below, the equivalent levy is: Employers have to contribute Skills Development Levy (SDL) for all employees* up to the first $4,500 of each employee's total monthly remuneration** at a levy rate of 0.25%. This is subject to a minimum of $2, whichever is higher. S Pass quota and levy requirements in Singapore. The number of S Pass holders you can hire is limited by a quota. You must also pay a monthly levy for these workers. What is the foreign worker levy. The foreign worker levy, commonly known as “levy”, is a pricing mechanism to regulate the number of foreign workers in Singapore.

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