Dec 22, 2008

野村证券:我国高档私宅价格 至后年可能跌43.8%

野村证券:我国高档私宅价格 至后年可能跌43.8%

野村证券:我国高档私宅价格 至后年可能跌43.8%

(2008-12-17)

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  • ● 李韵琳

      遭金融海啸吹袭入“冷宫”,我国高档私宅的“身价”可能在2008至2010年之间共暴跌43.8%,而大众化私宅也无法幸免,可能锐减32.1%。

      野村证券(Nomura)最新的新加坡房地产研究报告中作出了上述大胆预测。这是目前对本地楼市前景,看法最为悲观的一份报告。

      在这之前,瑞士信贷(Credit Suisse)在今年5月发表的报告曾预测,私宅租金和楼价可能下跌高达40%。野村则在3月25日发表的《暴风眼》中预测,豪宅价格将在未来三年内滑落32%,大众化私宅价格也可能在2010年下滑高达20%。

      考虑到新加坡的宏观经济前景迅速趋软,明年的全年经济增长几乎是零,甚至萎缩,撰写报告的分析师达尔威(Tony Darwell)和蔡明兆指出,私宅租金已开始急速下跌,进而将拖累楼价跟着跳水。


      他们表示,高档私宅的租金已从今年第一季的高峰退低了14.1%,而大众化私宅租金相比第二季达颠峰期已下滑了11.1%,进而拖累全岛私宅租金在今年可能退低8.5%。

      由于私宅需求处于疲弱状态,而空置率有上升的趋势,他们预测明年的情况更糟,业主能收取的租金将进一步锐减16.3%,使租金在2008年至2010年之间将总共下降29%。大众化私宅的月租可能跌至每平方英尺2.46元。

      此外,分析师也提出,去年高调成交的一些集体出售项目遭发展商延后发展出租,使市场一时间被大量供应充斥,打压了实际租金。

       报告中提到,去年8月创下本地99年地契私宅售价新高的景福苑(The Grangeford),近几个星期被推出市场短期出租。这个由华联企业(OUE)以6亿2500万元买下的项目,两房和三房式单位的月租为每平方英尺 3.13至3.41元,或每月4000至5000元。这要比第9、10和11邮区黄金地段私宅单位所收取的每平方英尺4.60至5元的月租,显著来得低。

      至于楼价走势,分析师指出,买卖双方的出价和要价差距正在扩大,但由于成交量过于微薄,阻碍了分析。

      参考了转手交易数据,分析师表示,本地楼价自年初已平均退低了13.4%,身价被打折超过15%的项目也有增加的趋势,下跌幅度更高达超过30%。

       他们举例,圣淘沙的升涛舫(Oceanfront@Sentosa Cove)在9月份卖出的三个单位,平均售价为每平方英尺1578元,较1月份的每平方英尺2450元低35.6%。大众化私宅方面,去年卖得满堂红的红 山公寓The Metropolitan,9月份的每平方英尺930元成交价也比1月份的1150元少了19.1%。

      分析师表示,在经济进一步萎缩的拖累下,大众化私宅将逃不过折价的命运,在未来6至12个月将直线下滑。高档私宅的尺价则预计在2010年回跌至每平方英尺1847元,接近1996年高峰的水平。

      警惕投资者也许短期内不是进场的时机,分析师提出,发展商在未来几个月里为了清仓而削价的可能性相当可观,而炒卖者抛售资产也将给楼价带来下跌压力。

    《联合早报》


    新加坡PR買房(HDB)流程 - vicky的部落格 - Yahoo!奇摩部落格

    新加坡PR買房(HDB)流程 - vicky的部落格 - Yahoo!奇摩部落格

    新加坡PR買房(HDB)流程

    2007/06/05 13:04


    資料來源:獅城華人網bbs

    PR买房(HDB)流程


    1.如果你是PR,找一个银行助理评估你可以最多贷款多少买屋子,并获得一份贷款原则批准书(免费)。

    2.确认你要的地点

    3.找一个你觉得沟通舒服的中介,告诉他你的要求(地点,房屋大小,楼层,内部装修),你告诉他越详细,就越能做的越好,避免带你看你不想看的屋子。一个好的中介可以节省你许多的时间和麻烦。

    4.当你找到了梦中的家后:

    放 1-1000的定金,让所有的屋主签OTP。

    去银行拿到贷款协议书

    执行 OTP,(EXE OTP)付一笔费用给卖方,包括定金,最高5000。

    呈交所有资料给HDB,等待第一次面议(1st appointment)。

    10天内HDB会派技术人员去检查房屋,有任何未经批准的装修,屋主需做回。

    5.第一次面议时,HDB官员会审查所有上缴的文件,及转售价。并安排第二次面议的时间。(第一次面议后的6-8周)。

    6.10天内,批准交易。

    7.第二次面议前两周,将准备好的现金交给律师,由律师与各方解决其余的问题。(HDB,CPF,印花税,等)

    8.完成前的几天,在去检查屋子,确信屋子已搬空,没有别的损坏。

    9.完成交易当天申请水电及从律师那里拿钥匙。

    HDB成交价查询

    http://www69.hdb.gov.sg/bb33/ispm051p.nsf

    公寓成交价查询

    http://spring.ura.gov.sg/lad/ore/real_estate/transactionProceed.cfm

    房屋贷款问与答

    问题1

    我最先是跟HDB贷款的,后来在经纪人的劝说下改成跟OCBC贷款,按歇期限20年,现在已经三年过了绑定期,剩余贷款14万,每月利息是3.5%波动,我想偿还银行3万块现金并缩短贷款年限为10年,请问:

    1,由于现在的贷款利息太高,想换银行要办哪些手续?花费多少?有利可图吗?

    2,目前哪间银行的贷款利息最划算?

    3,OCBC的职员告诉我现在向HDB贷款的利息是3.75%,OCBC的新客户也是从3.75开始(这么高的利息是真的吗?)但是公民向HDB贷款利息只有2.6%,如果夫妻一方申请公民后还可能就现在的房屋向HDB重新申请贷款吗?

    答:

    1.对于你的14万来说,并非大数目,3.5%还不算高,我教你一个和银行讨价还价的方法。(见短消息)

    2.现在DBS还不错

    3.HDB的规定是,一旦你从最先是跟HDB贷款改成跟银行贷款,你不能再改回。

    夫妻一方申请公民后不能就现在的房屋向HDB重新申请贷款,要买别的组屋才能享受。

    问题2

    新公民在第一次买了新祖屋后,再次买房还有没有现金30000块津贴?

    答:

    没有了,新公民只能享受一次,申请新组屋或拿津贴。

    问题3:

    第一次买房子是不是有三万块津贴???

    答:

    只有新公民可以,PR没有。

    问题4:

    父母子女均是公民,爷爷奶奶均为PR。父母联名已购买了一套3房式组屋,屋子太小,爷爷奶奶准备自己另行购买一套3房式组屋,现在的问题是:

    1)爷爷奶奶若无工作,可否申请贷款?

    2)孙子(公民,但小于21岁)可否与爷爷或奶奶联名购屋,从而享受新公民优惠贷款利率?

    3)若(2)的情况允许,是否也可购买新组屋?或购买靠近父母的市场上的组屋,享受某些优惠?

    答:

    1. 银行贷款,如果能有收入证明,可能可以。(如租金收入等)。

    2.孙子可以作为居住人occupiers,但不能享受新公民优惠贷款利率。

    3 不能

    问题5:

    PR 夫妇买房可以向HDB贷款吗? (以concessional rate 2.6%)

    会不会中介软性限制只能通过银行贷款?
    答:

    PR夫妇买房不可以向HDB贷款。

    中介无权限制任何人向任何银行贷款。一切取决于买主。作为中介,我们只在客户需要时提供当时最佳利率的银行。

    问题6:

    家庭月入已超过8000,请问申请加入新公民后,一定不能买新HDB了吗?

    或者有其他补偿,30K?去买CONDO?

    答:

    是的,你是高收入者,政府不会给你补偿。

    30千津贴可用来买执行公寓(EC)

    问题7:

    是指如果从HDB买 exec. condo,还能有30K.

    从外面买private condo, 就没有, 是吗? 谢谢. 看来需要一个人辞职.

    答:

    是的

    问题8:

    请教,PR从银行贷款(分期付款)买房,要付多少利息?

    举例来说,买一套市场价300K的HDB,首付至少多少?还款期如果是20年,每月还款额多少?其中的利息要付多少?到全部还款结束,总共支付了多少利息?

    还款期可以超过20年吗?还款期中间,能否要求增加每月还款额,以便提前还清贷款(好减少支付的利息)。

    答:

    5% of 300k = 15k 现金15k cpf, 其余的是贷款

    外加大约2.5% 印花税,律师费及其他不包含中介费。

    贷款270k:

    每月付: $1565.89 (3.5%利率) 到 $1636.15 (4%利率)

    共支出: $375 813.90

    总利息: $105813.90(3.5%) 到 $122675.25(4%)

    还款期中间,能要求增加每月还款额,提前一到三个月通知银行。

    还款期可以到35年,取决与你的年龄及屋龄。

    问题9:

    顺便再请michael8330确认一下,仍然按上面的数字,如果后来有能力将月还款额提高到每月3200元(提高一倍),那么剩下的还款期限将会缩短一半(指剩下的部分),那么后面这部分的还款的利息也将减少大约一半,是这样吗?

    答:

    是的。利息将减少但最好找个banker 帮你算一下。更保险。

    问题10:

    加速还款有两种途径:一种是增加每月还款额,还有一种是一次性填进一笔钱,每月还款数额不变。后一种是否也是允许的?

    答:
    有的银行要你绑住2年。两年后你才能减少贷款。两种途径都可以。取决于银行。

    问题11:

    如果确定要买30万左右的房子,请大家帮忙看看那种方案好呢?先谢了!

    1)现在买,等一人转公民后买新房

    2)一年后等夫妻其中一人转为公民后再买。坏处是要租一套房子(2+1)一年。好处是可以享受3万补贴和HDB的低息贷款。

    另外能不能拿到30k补贴的家庭月收入8k的限制,是看买房子时候的几个月还是看全年的总收入的月平均值啊?

    挺难决定啊

    答:

    在一人转为公民后你还是可以享受补贴,当然你现在要买二手房,加印花税,律师费中介费及其他,一年后换,费时费力。和租金相差无几。反正只是一年,等一等吧。

    取决于你的工作,如果你有工资单,他们看你的家庭总收入。自雇人士,他们要报税单。

    问题12:

    请问一下楼主: 上周末刚签了OPT 并exercise了. 是不是一定要在30天内做好银行贷款并向HDB交申请书?

    答:

    你在EXE OTP之前有拿到银行的in-principle approval?如果没有,是挺危险的。当然,你的OTP 放了30天,你就要照着作拉。

    问题13:

    现在想要买房,但首期20%的钱因为目前有别的用途,要等明年2月才能拿到。所以想问问首期是什么时候付给屋主啊?是交钥匙的时候吗?现在开始看房是不是还有点早啊?

    答:

    5K现金为定金。

    银行贷款,在completion 的前两周现金交给律师。

    问题14:

    我们是PR,太太明年中申请公民。我的问题是有关S$30K CPF HDB grant。

    如果我们现在买二手房,成为公民后还能申请津贴吗?有人说一年之内可以申请,只是不能拿HDB贷款,是真的吗?

    答:

    我从来没听说过这个,我想没有这样的条例。你可以问HDB-18008663066(已证实,没有)

    问题15:

    我最近看上了一套4房室,HDB估价是227K,屋主要求245K,经纪说多出来的18K,我要在签第一次appointment时候付给屋主,请问通常的做法是什么样的?是不是我一定要给屋主专门多cash,而且要不要这么早付?

    答:你的OTP上是245K吗?

    如果是,你只需给卖主5K。剩下的CPF + 现金由你的banker 来处理,通常是结束前一周。

    问题16:

    已经exercise option,跟银行签完贷款合约,联系到了lawyer,再有两个礼拜就要第一次appointment了,我的agent跟我说那天要带10%的现 金,还说lawyer 1st appointment当天不需要过去。我有点糊涂了,你又说给5K现金最多,现金通过律师来给...。

    能否详细说明一下 何时 给谁 什么名目的钱?一笔一笔列出来。

    多谢了

    答:
    当你喜欢屋子你需要给 $1-1000 的定金,确保屋主不再卖给别人。两周内EXE OTP。 另付一笔钱,与定金之和少于5000。

    银行贷款者,第一次约谈(1ST APPOINTMENT)你会见到HDB官员,获得所有文件。。。。所有的现金(5%或10%现金减option money+印花税+律师费+转让费$124)CPF不够多的话〕将在completion前交给律师。HDB只是帮你处理文件。

    我想你的中介把银行贷款和HDB贷款搞混了。

    问题17:

    你说的如果CPF够多的话就是5%-option money,如果不够就是10%-option money? 这笔钱要在2nd appointment之前的2到4周交给律师来办理。我理解的正确么?

    那另外的10%左右的钱以及高出估价部分的钱何时给谁呢?

    我的房子估价243K,成交价255K(OTP上也是写着这个数字),贷款190K(估价的78%),两个人的CPF普通账户加起来约5K。

    我的理解是255K-190K=65K需要在2nd Appointment之前以一定的方式给卖方,但是何时、交给谁我就不清楚了。

    答:

    completion前两周,以上所有的现金交给律师,他会帮你给正确的人,如 $X 给HDB, $X 给 seller , $X 给 cpf, $X 给 stamp duty 。

    问题18:

    那在2 week before completion date我总共需要交给lawyer的钱是:

    1)255K-190K=65K

    2)律师费、HDB印花税及一些小数目的其他杂费(可用我仅有的5K cpf支付这里面的部分费用)

    对吗?

    另外,我何时能知道completion date的准确日期呢?因为我还有一点钱是在那个时候才能到帐(我11月1号1st appt,手上还缺的8K左右现金11月30号才会进帐)。

    答:

    在 1st appt , HDB会把2nd appointment 设在通常是6-8 周后的同一天。

    问题19:

    找银行时,都让我们填Application loan form, 我们签了二家这样的FORM, 没有签正式的贷款合约, 会不会有麻烦? 谢谢

    答:

    不会

    问题20:

    我们夫妻是一个SC+PR. 从来没有买过房.现在租房子.等了HDB的WALK IN SELECTION 有一段时间了,看来希望不大了,好的地段很难求。

    请问,如果我们现在买二手,那么至少住几年可以卖出来? 因为是首次买房,拿政府的3万在卖了房子后,是否要还给政府? 如果到时候卖房价钱高过政府预算,是否并不能拿到多出来的全部,而是要回馈给政府一些?

    如果我买了二手在先,然后买新的,是否只有一次买新房的机会而已?

    答:

    如果我们现在买二手,那么至少住几年可以卖出来?

    HDB贷款 2.5 年或 30 个月

    银行贷款1 年

    拿津贴,则是5年,不管谁贷款

    在卖了房子后,3万会进入你的CPF户头,这是政府的礼物。只有公民才有,所以3万进入公民的普通户头。如果是两个公民,则各1万5。

    卖房后3万是属于CPF的。所以是先清银行的贷款,然后CPF及其利息,剩余部分是你可获得的现金。如果成交价-剩余贷款-CPF及其利息是正的,你有现金拿,反之如果是负的,你之前所收的现金要还回CPF。

    每个公民家庭可申请两次HDB。如两次都是一手房,则第二次要还levy 。每个公民家庭可申请两次HDB贷款。(符合条件者)

    新加坡房租急跌 机构预测房价两年将跌四成-美股频道-金融界

    新加坡房租急跌 机构预测房价两年将跌四成-美股频道-金融界

    新加坡房租急跌 机构预测房价两年将跌四成


    http://www.jrj.com 2008年12月17日 16:00 全景网络
    【字体: 】【页面调色版
    免费解套:010-58325082

      全景网12月17日讯 根据日本野村证券的最新预测,新加坡的高级私人住宅价格可能在今年到2010年间暴跌43.8%,一般私宅也会暴跌32.1%。

      野村的报告指出,由于金融海啸的冲击和过去房价的过度被炒作,新加坡私宅需求现在处于疲软状态,高级住宅的租金已经从今年第一季的高峰时下滑了 14.1%,空置率也有上升的趋势,明年的状况将会更糟。在新加坡经济进一步下滑的情况下,大众化私宅价格将逃不过大幅削价的命运,未来6到12个月将直 线滑落,高级住宅价格预计在2010年回跌至每平方英尺1847新元,接近1996年的水平。

      而此前,瑞士信贷银行也曾在今年5月预测,新加坡的私宅租金和价格可能下跌高达40%。(全景网/周蓓)


    Dec 20, 2008

    You can save your space

    image

    I have a bed for my kid. Now I need re-calculate the additional kids I could raise by the means of this manner.

    Dec 19, 2008

    100 top sites for the year ahead: our latest selection finds that location-based services, work-anywhere collaboration and video are prominent | Technology | The Guardian

    100 top sites for the year ahead

    100 top sites for the year ahead

    Two years after we last picked the web's cream of the crop, our latest selection finds that location-based services, work-anywhere collaboration and video are prominent

    100 top sites illustration

    Illustration: Jan Kallwejt

    The online world has changed dramatically even since we last drew up a list of 100 useful sites in December 2006. In the interim, there has been a revival of the browser wars - with Google's Chrome and Apple's Safari making surprising inroads into the Windows monopoly, and offering a new vision of what browsing can be like.

    Many of the sites listed here were not available when we did our last list; although longevity is a mark of pride online, it is difficult for companies set up in the 1990s to reinvent themselves quickly enough to take advantage of new technologies. Although of course rapid change brings casualties too: it's possible that with all the economic turbulence going on that some of the sites here won't be around in a year from now, or that their now free services will have become paid-for. That doesn't diminish their usefulness, though; it just underlines their determination to survive.

    The biggest changes since 2006 have been in the fields of collaborative online services that let people in different locations work simultaneously on projects. Collaboration in 2006 was very much focused on words, but now you can create presentations that look as though they were made with expensive packages. And then you can share those presentations, or look at other work that people have done - and even download them. You can convert files without needing expensive systems. Collaborative working has never been easier, even across different platorms. The web really is becoming the operating system, as the rise of the "netbooks" (aka ultraportables, aka Liliputers) emphasises.

    The growth of location-based services - particularly those which you can choose to log yourself in and out of, thus protecting your privacy - has been rapid. A parallel growth has come with the mobile web; there's no escaping the fact that Apple's iPhone has revolutionised how its users, in their millions, think about the internet. For them, it is no longer something that is experienced well on a computer and then badly on their mobile phone; the mobile version of Safari has made browsing on the move an altogether more pleasant experience, which it never was before.

    That opens up new vistas: location-aware task managers can adjust the order of your to-do list based on what the GPS unit in the phone is telling you, so that while you're in the supermarket it will remind you about the cereal you need, but in the office it will tell you to send that important memo right away.

    Video, of course, is now everywhere. YouTube was already dominant in 2006, but now the BBC's iPlayer is taking over. If it makes its technology available to all, perhaps the UK will become a nation of video makers and watchers.

    So here are our 100 revised best sites to see you through the next couple of years. They're organised roughly along those lines.

    Blogging

    Now as easy as falling off a log.

    Bloglines bloglines.com for reading web feeds. Smart and clean.

    Wordpress wordpress.com free, and most importantly spam-free, blogging.

    Browsers

    A newly revived category, thanks to Chrome and Safari.

    Chrome google.com/chrome newly out of beta, though Windows-only.

    Firefox mozilla.com/firefox infinitely malleable, with fewer security holes.

    Flock flock.com with an emphasis on linking to social networks.

    Opera opera.com growing in importance for mobiles.

    Safari apple.com/safari Apple's contender; a leader in mobile web access.

    Cartoons

    Everyone needs some relaxation.

    Dilbert dilbert.com hi, cube-dwellers.

    Alex alexcartoon.com amid the financial crisis, Alex the banker remains reliably self-interested.

    Doonesbury doonesbury.com the cartoon you'll also find in that printed newspaper thing.

    The Joy of Tech geekculture.com/joyoftech well-drawn, witty near-daily takes on Apple and computing life.

    XKCD xkcd.com "Stick-figure strip featuring humour about technology, science, mathematics and relationships."

    Create/collaborate

    The main change from last time: whatever you want to do, wherever you are.

    Dipity dipity.com build timelines and add text, pictures and videos.

    Zoho zoho.com everything in one place, from documents to presentations.

    Rememberthemilk rememberthemilk.com online task/to-do management.

    Netvibes netvibes.com your to-do lists, news, weather and photos on one page.

    280slides 280slides.com create presentations online. Very slick.

    Zamzar zamzar.com convert files from one format to another.

    Gaming

    A field where handheld, bedroom and Flash games are becoming mainstream

    Eurogamer eurogamer.net reportage, with breadth, if not always depth.

    The Independent GamingSource tigsource.com a great place to pick up on tomorrow's breakthrough hits.

    Pocket Gamer pocketgamer.co.uk still by far the best site on handheld gaming.

    Metacritic metacritic.com/games industry touchstone and useful one-stop buying guide.

    Jay is Games jayisgames.com passionate, well-designed and knowledgeable.

    Geek squad

    Stack Overflow stackoverflow.com where programmers gather.

    The Daily WTF thedailywtf.com daily despatches from the coding warzone.

    Joel On Software joelonsoftware.com essays by a former Microsoftie.

    Government/public services/politics

    Streetwire streetwire.org hyperlocal information including planning alerts, crime and public safety, traffic, local news and postings to FixMyStreet.com.

    Recycle Now recyclenow.com winner of the Show Us A Better Way competition.

    British and Irish Legal Information Institute bailii.org a database of laws. Only survives hand-to-mouth on voluntary donations; where's yours?

    What Do They Know? whatdotheyknow.com makes filing a Freedom Of Information request as easy as sending an email. Too easy, some in power think.

    Upmystreet upmystreet.com all the detail on your area you could ever want.

    Location, location

    Services like these blossom with a mobile phone that can access the internet

    Dopplr dopplr.com "share your future travel plans with friends and colleagues", then find out if others will be there too.

    Qype qype.com localised search for pubs, restaurants, etc; also a bit of a social network.

    Loopt loopt.com "transforms your mobile phone into a social compass".

    Brightkite brightkite.com a "location-based social network".

    Maps

    The flip side of location-based services: seeing where you are.

    OpenStreetMap openstreetmap.org a rights-free map created by people like you. Remarkably detailed and precise.

    Walkit walkit.com walking directions for all sorts of routes.

    Google Maps Street View maps.google.com/help/maps/streetview soon to have the UK as well.

    Noise pollution map noisemapping.defra.gov.uk how noisy is it in the area around your house?

    Where's The Path? wheresthepath.googlepages.com/wheresthepath.htm Let down by OS's absurd OpenSpace restrictions.

    Money/finance/ consumer fightback

    We all need someone on our side.

    Money Saving Expert moneysavingexpert.com does what it says on the tin.

    BView bview.co.uk review businesses before you use them.

    Say No to 0870 saynoto0870.com direct-dial numbers, not expensive national-rate ones.

    Consumer Direct consumerdirect.gov.uk government site for consumers.

    Zopa zopa.com a human-centred way to loan money to people in the developing world.

    Music

    Last.fm last.fm British-made, CBS-owned, music recommendation station.

    Amazon amazon.co.uk now has its own MP3 store in the UK as well as the US.

    7Digital 7digital.com music downloads in MP3 format - so not tied to iPods.

    Passionato passionato.com classical music MP3 downloads, slowly building momentum.

    Songkick songkick.com find out where your favourite bands are playing next, based on your music library.

    Blip.fm blip.fm be your own DJ and create a social network from your choices and recommendations.

    News recommendation

    Digg digg.com still the reigning champion.

    Reddit reddit.com slightly upmarket from Digg; slightly below...

    Techmeme techmeme.com technology news chosen by computer, though it's now adding human editors.

    Popurls popurls.com aggregating the aggregators: the web in a window.

    Slashdot slashdot.org still attracts a big, and often knowledgable, audience.

    Offbeat

    The Onion theonion.com still the satirical newspaper of record.

    B3TA b3ta.com beyond classification; its forum has spawned many memes... and trolls.

    Lolcats icanhazcheezburger.com captioned cats and other animals.

    PostSecret postsecret.blogspot.com notes of secrets sent by people who want them posted. So they are.

    Passive-Aggressive Notes passiveaggressivenotes.com would it be too much trouble for you to have a look?

    Photography

    Flickr flickr.com the granddaddy of photo-sharing sites.

    Picnik picnik.com photo editing in your browser.

    Picasa picasa.com Google's photo organisation and editing tool. Windows only.

    Physical from virtual

    Moo moo.com Moo business cards have become a calling card in themselves.

    Blurb blurb.com coffee-table book publishing of your books.

    Lulu lulu.com book, photobook, calendars and other sorts of publishing.

    Cafepress cafepress.com badges, T-shirts etc. US-only at present.

    Spreadshirt spreadshirt.net design your own T-shirt or sweatshirt and get it printed.

    Reference

    CIA Factbook cia.gov/library/publications/the-world-factbook all the data you need on pretty much anywhere.

    Wikipedia wikipedia.com still a first port of call on most topics.

    Rotten Tomatoes rottentomatoes.com check the film you plan to see here.

    Internet Archive/Wayback Machine archive.org the web in aspic.

    Wikileaks wikileaks.org anonymous source of leaked documents.

    Search

    Google still dominates.

    Clusty clusty.com results in clouds.

    CoolIris cooliris.com image-based searching - a new way to use the web.

    Social software

    Chances are high you're a member of at least one, and perhaps all, of these sites.

    Facebook facebook.com virtually everyone's your friend here.

    Myspace myspace.com hangout for all the teenagers. And Kirk Douglas.

    LinkedIn linkedin.com mainly for business.

    Friends Reunited friendsreunited.co.uk the original social network.

    Twitter, and associated

    Twitter has proved itself over and over this year as a vector for news.

    Twitter twitter.com the ur-site, where you can create an identity (or several).

    Monitter monitter.com watch keywords on Twitter. A brand, your name, a meme? No login required at present.

    Matt themattinator.com post to multiple Twitter accounts. Requires your password; only give if you trust the site.

    Twitterfeed twitterfeed.com posts blog contents to Twitter. Requires password; only give if you're sure that you trust the site. We do.

    Twitter Grader twitter.grader.com find how you rank on Twitter.

    Video

    BBC iPlayer bbc.co.uk/iplayer already taking up 10% of UK network traffic.

    YouTube youtube.com dominant provider of video content online.

    Vimeo vimeo.com better rights control than YouTube and a cleaner interface.

    Worldtv.com worldtv.com set up your own global TV channel.

    Qik qik.com video-sharing from your mobile.

    Joost joost.com internet TV via a browser plugin.

    Videojug videojug.com a sort of social network of informational video.

    Seesmic seesmic.com short video conversation: another social network.

    Virtual worlds/MMORPGs

    Runescape runescape.com amazingly successful MMORPG.

    Entropia Universe entropiauniverse.com set in a distant future on the untamed planet of Calypso.

    Club Penguin clubpenguin.com minigame-tastic virtual world for kids.

    Moshi Monsters moshimonsters.com "educational" virtual world for kids.

    Visualisation

    DabbleDB dabbledb.com create online databases and analyse them.

    Google Visualisation tools code.google.com/apis/visualization/documentation/gallery.html dozens of tools for making data more comprehensible.

    Many Eyes manyeyes.alphaworks.ibm.com/manyeyes/page/Visualization_Options.html IBM's visualisation tools, similar to Google's.

    • Which essential sites have we missed? Tell us on the Technology blog

    · This article was amended on Friday December 19 2008. We originally gave the wrong address for the local information website Streetwire. It is streetwire.org. This has been corrected.


    我同学写的

    依西人之观点,政府不过是众人权利让渡之承受者。“主权在民”之思想乃现代号称共和国家之基本理念,一切权力来源于民众。现在朝之执政者,起事之初,亦高举建立民主共和之旗帜,号召工农,扬镰刀斧头反也。时蒋公之政权,难言民主,然尚有迅翁、适之先生等人发民主之声。
      近段乃网络多事之冬,有号称高官者猥亵幼女者,有强奸民意强令房舍不降价者,诸多官员,行为令人捧腹。虽如此官员或受执政党纪责罚,或遭网民人肉等等,但事过境迁,令人思之良多。
      某思之,倘政府员工又成肉食者,则庙堂之高,江湖之远,何处不暴力?诸多民众与政府间之冲突,倘均以暴力解决,岂有解决之方?民众亦父母,衣食之源也,吾痴长至今,尚未闻城市高楼能出稻粱,何彼政府官员仍视民众若草芥?吾尝闻某官员论及出身,其曰:上推三代,其祖均百姓也。此语可信,毛公之父亦农人也!
      现今之政府,官多冗员,薄薪而实厚禄,寡义而鲜耻,为民贼也。国之总理,操劳国是,其职似为一小县之主也。众官贪腐,使政府几成众腐也!
      为政之道,恤民第一,诸官可知?

    image

    Dec 18, 2008

    Google Translate

    Google Translate

    (综合讯)台北地方法院18日下午针对陈水扁是否收押重开羁押庭,当审判长周占春问陈水扁能否就机要费问题回答时,由于陈水扁所答非所问,周占春显得有些不耐烦,他要求陈水扁具体陈述事实,“不要左顾右盼,讲到别的事情”。

      据台湾今日新闻报道,台湾高院17日以陈水扁释放可能串供灭证,裁定抗告成立,案件又回到北院,仍将由审判长周占春、法官何俏美、林伯泓3人负责审理,由于3名法官今日上午都已事先安排有庭,因此排在下午2时30分开庭重新裁定。

      今日出庭的特侦组检察官包括越方如、林嚞慧、李海龙与周士榆以及两位台北地检署公诉检察官,并由林嚞慧首先针对陈水扁可能逃亡一事提出见解。林嚞慧表示,扁家把钱汇往海外,并非单纯洗钱,而是希望有朝一日能到海外;他以黄姓少年事件为例指出,当时陈水扁就在没有随扈陪同的情况下前往,换言之,只要陈水扁愿意,随扈可以不必跟在他身边,因此只要排除随扈这个因素,陈水扁绝对有渠道、有动机逃亡。

      另外,林嚞慧也陈水扁将191万美元汇给民进党“大老”吴澧培为例,证明陈水扁有湮灭证据之虞,这也是检方希望将陈水扁继续羁押的理由。

      在串证、伪造证据方面,林嚞慧则列举多项事证,包括SOGO案,陈水扁指示亲信马永成、林德训扛责任,杜撰的“南线项目”,陈水扁知情还将假的证据交给检方,通过媒体放话,点名余政宪短短两天就招了,意图影响其供述等等。

      有关机要费部分,检察官提出“扁每次讲的都不一样”,这时陈水扁委任律师郑文龙一度反对检方陈述,但周占春问陈水扁能否回答这个问题,陈水扁则反批检察官把很多事情都搞乱了,他所举的两项机密“外交”不是只有两件而已,这时审判长打断他的话,要陈水扁能回答就回答,不能答就别说,似乎有点怪陈水扁答非所问。

      检方也举出多项陈水扁企图影响其它被告的事证,例如陈镇慧、林德训、马永成、吴景茂等人的律师全部由扁办聘请,表面上是“关切”,实际上是监督对方一举一动,陈镇慧在转为“污点证人”前,就希望律师不要在场,充分显示陈水扁即便在押,都可利用其它方式影响证人,更何况被释放在外。


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    Translate text or webpage

    Enter text or a webpage URL.Translation: Chinese » English
    (Syndicated news), Taipei District Court against Chen Shui-bian in the afternoon on the 18th whether or not to detain the reopening of court custody, the chief justice when the spring accounted for weeks whether to ask Chen Shui-bian on charges confidential to answer the question, due to give an irrelevant answer by Chen Shui-bian, the week accounted for a bit impatient spring, he asked Chen Shui-specific A statement of fact, "not to glance right and left, and talked about other things."

    According to Taiwan press reports today, the Taiwan High Court on the 17th to the release of Chen Shui-bian's anti-collusion may permit the establishment of the Kanggu found, the case returned to North Academy, will remain chief justice by the Zhanchun week, the judge Mr Qiao Mei Lin Bo Hong 3 to hear, as the 3 Judge this morning have been pre-arranged tribunal, so at 2:30 p.m. to court ruled.

    Today's special investigation group in court, including prosecutors, such as the Vietnamese side, Hui Lin Zhe, Zhou Yu and Li Hailong, as well as two of the Taipei District Public Prosecutor by Lin Zhe-hui, Chen Shui-bian may be the first against the run of the views put forward. Lin Zhe-hui said that the family flat Baqian Hui overseas, is not simply money-laundering, but hope that one day be able to go overseas; Huang He pointed out that the juvenile as an example, Chen Shui-bian was not in the Sui Hu, accompanied by circumstances to, in other words, as long as Chen Shui-bian Willing, Sui Hu did not have to talk to him, so long as Suihu rule out this factor, there is no channel of Chen Shui-bian, the motive to flee.

    In addition, Lin Zhe-hui, Chen Shui-bian has 1,910,000 U.S. dollars will be remitted to the Democratic Progressive Party is also the "big" Wu Li-pei, for example, has eliminated evidence to prove Chen Shui-bian is in danger, the prosecution is also hoped that Chen Shui-bian will continue to custody.

    In the string of evidence, evidence of forgery, Lin Zhe-hui cited a number of things are evidence, including SOGO, Chen Shui-bian's close aides Ma Yung-cheng instructions, carry the responsibility of training Lindh, coined the "Southern Line", Chen Shui-bian will also be informed of the false evidence to the prosecution, Media release, named in a short span of two days to Dr. Yu Cheng-hsien, has sought to influence his statement and so on.

    Some of the costs related to confidential, prosecutors "every flat do not like talking about" when Wen-Long Zheng Chen Shui-bian appointed lawyers were opposed to the prosecution statements, but the week accounted for Question Chun Chen Shui-bian in a position to answer this question, the anti-Chen Shui-bian was granted a lot of the Prosecutor Everything is thrown into chaos, he cited two secret "diplomatic" is not only no more than two, then presiding judge interrupted him, Chen Shui-bian should be able to answer on the answer, not to mention on the A, it seems a bit strange Chen Shui-bian give an irrelevant answer.

    The prosecution also cited a number of other accused Chen Shui-bian is trying to influence the permit thing, such as Chen Cheng-hui, Paul Lind, Ma Yung-cheng, Wu Jingmao and others by lawyers hired to do flat, it appears that the "concern" to monitor each other's every move in practice, Chen Cheng-hui To the "tainted witnesses", on the hope that they will not be present, even if Chen Shui-bian fully revealed in custody, may affect the use of other witnesses, let alone be released outside.
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    (综合讯)台北地方法院18日下午针对陈水扁是否收押重开羁押庭,当审判长周占春问陈水扁能否就机要费问题回答时,由于陈水扁所答非所问,周占春显得有些不耐烦,他要求陈水扁具体陈述事实,“不要左顾右盼,讲到别的事情”。

      据台湾今日新闻报道,台湾高院17日以陈水扁释放可能串供灭证,裁定抗告成立,案件又回到北院,仍将由审判长周占春、法官何俏美、林伯泓3人负责审理,由于3名法官今日上午都已事先安排有庭,因此排在下午2时30分开庭重新裁定。

      今日出庭的特侦组检察官包括越方如、林嚞慧、李海龙与周士榆以及两位台北地检署公诉检察官,并由林嚞慧首先针对陈水扁可能逃亡一事提出 见解。林嚞慧表示,扁家把钱汇往海外,并非单纯洗钱,而是希望有朝一日能到海外;他以黄姓少年事件为例指出,当时陈水扁就在没有随扈陪同的情况下前往,换 言之,只要陈水扁愿意,随扈可以不必跟在他身边,因此只要排除随扈这个因素,陈水扁绝对有渠道、有动机逃亡。

      另外,林嚞慧也陈水扁将191万美元汇给民进党“大老”吴澧培为例,证明陈水扁有湮灭证据之虞,这也是检方希望将陈水扁继续羁押的理由。

      在串证、伪造证据方面,林嚞慧则列举多项事证,包括SOGO案,陈水扁指示亲信马永成、林德训扛责任,杜撰的“南线项目”,陈水扁知情还将假的证据交给检方,通过媒体放话,点名余政宪短短两天就招了,意图影响其供述等等。

      有关机要费部分,检察官提出“扁每次讲的都不一样”,这时陈水扁委任律师郑文龙一度反对检方陈述,但周占春问陈水扁能否回答这个问题, 陈水扁则反批检察官把很多事情都搞乱了,他所举的两项机密“外交”不是只有两件而已,这时审判长打断他的话,要陈水扁能回答就回答,不能答就别说,似乎有 点怪陈水扁答非所问。

      检方也举出多项陈水扁企图影响其它被告的事证,例如陈镇慧、林德训、马永成、吴景茂等人的律师全部由扁办聘请,表面上是“关切”,实 际上是监督对方一举一动,陈镇慧在转为“污点证人”前,就希望律师不要在场,充分显示陈水扁即便在押,都可利用其它方式影响证人,更何况被释放在外。



    (comprehensive hearing) Taipei District Court 18 afternoon for CHEN Shui - bian whether reception centre for the reopening of the custody of a court, when was the week zhanchun asked cratic can machine to answer to the question, since CHEN Shui - bian are the questions, Zhou zhanchun some impatient, as he may require Chen Shui - bian specific statement of fact, “ do not hold, to other things ”.

      As far as Taiwan today News, Taiwan High Court on 17 May to Chen Shui - bian release may 串供 Golf card, determine anti - formed, case back to 北院 by his mother, was CHOW zhanchun, Judge Ho check in the United States, lindboe fuke 3 people hear, because 3 judge this morning have prior arrangement, so leapfrogged at 2: 30 PM sitting back.

      Today duces tecum the surveillance group Crown Counsel including koshikata, forest 嚞 Hye, Li Hailong CHOW serai nire and two Taipei indictment Crown Counsel, and Mr Arde Lam 嚞 - huei for CHEN Shui - bian may have managed to raised a view.Lam 嚞 Hye said that the flat home money meeting to overseas, is not solely on money laundering, but hope that one day to overseas; he Huang surnamed sonyon event, for example, Chen Shui - bian as Kao accompanied by under, in other words, as long as Chen Shui - bian is willing, Kao can do not have to follow him, so as long as exclude Kao this factor, Chen Shui - bian has the absolute channels, motives.

      In addition, Lam 嚞 keiya Chen Shui - bian will 191 million meeting to the DPP “ tairō ” NG day - Pui, for example, to prove that CHEN Shui - bian has annihilation evidence in this is also 检方 want to continue to the custody of the reasons for CHEN Shui - bian.

      Conspiracy, forged evidence Lam 嚞 - huei is cited so investigators have somewhere, including the Sogo, Chen Shui - bian indicates by zamayon%, Linde kunrei, once the responsibility, to fabricate “ the provision of ”, Chen Shui - bian ' will also false evidence to the 检方, through the media, Ms Masanori just two days, gatou, with intent to affect its 供述, and so on.

      the machine to part of the Crown Counsel proposed “ flat each time the non - like ”, Chen Shui - bian appoint a solicitor CHENG wenlong once against 检方 statement, Chow zhanchun asked cratic can answer this question, Chen Shui - bian is an issue of Crown Counsel to a lot of things are chaotic, he quoted the two confidential “ diplomatic ” is not only two, at this point, was interrupted, to Chen Shui - bian can answer reply, you cannot for the girl, seems a bit earthmovers and Chen Shui - bian was asked.

      检方 also cited a number of CHEN Shui - bian attempt other defendant so investigators have somewhere, for example, Chen Hye, Linde kunrei, amayon%, Ng King Mau and others lawyers all by flat do employ, on the surface is “ concerns ”, is actually authority offset is immense, Mr Chan Wai - in to “ a tainted witness ” before that lawyers do not present, Chen Shui - bian even was in detention, can take advantage of the other way affect witnesses, let alone is released.

    Slashdot | Opera Develops Search Engine For Web Developers

    Slashdot | Opera Develops Search Engine For Web Developers


    nk497 writes "The Metadata Analysis and Mining Application (MAMA) doesn't index content like a standard search engine, but looks at markup, style, scripting and the technology behind pages. Based on those existing MAMA-ed pages, 80.4 per cent of sites use cascading style sheets (CSS), while the average web page has 47 markup errors and 16,400 characters. Should you want to know which country is using the AJAX component XMLHttpRequest the most, MAMA can tell you that it's Norway, with 10.2 per cent of the data set." Additional coverage is available at Computerworld, and a deeper explanation is up at Opera's Dev site.

    Dec 13, 2008

    上帝為什麼不獎賞好人

    1963年,一位叫瑪莉.班尼的女孩寫信給 《芝加哥論壇報》,因為她實在搞不明白,
    為什麼她幫媽媽把烤好的甜餅送到餐桌上,得到的只是一句 "好孩子" 的誇獎,
    而那個什麼都不幹,只知搗蛋的戴維(她的弟弟)得到的卻是一個甜餅。
    她想問一問無所不知的 西勒.庫斯特 先生,上帝真的是公平的嗎?
    為什麼她在家和學校常看到一些像她這樣的好孩子被上帝遺忘了。
    西勒#8226;庫斯特是 《芝加哥論壇報》 兒童版 "你說我說" 欄目的主持人,十多年來,
    孩子們有關 "上帝為什麼不獎賞好人,為什麼不懲罰壞人" 之類的來信,他收到不下仟封。
    每當拆閱這樣的信件,他心就非常沉重,因為他不知該怎樣回答這些提問。
    正當他對瑪莉小姑娘的來信不知如何回答是好時,一位朋友邀請他參加婚禮。
    也許他一生都該感謝這次婚禮,因為就是在這次婚禮上,他找到了答案,並且這個答案讓他一夜之間名揚天下。
    西勒.庫斯特是這樣回憶那場婚禮的。
    牧師主持完儀式後,新娘和新郎互贈戒指,也許是他們正沉浸在幸福之中,也許是兩人過於激動。 總之,在他們互贈戒指時,兩人 陰差陽錯地把戒指戴在了對方的右手上。
    牧師看到這一情節,幽默地提醒:右手已經夠完美的了,我想你們最好還是用它來裝扮左手吧。
    西勒.庫斯特說,正是牧師的這一幽默,讓他茅塞頓開。
    右手成為右手,本身就非常完美了,是沒有必要把飾物再戴在右手上了。
    同樣,那些有道德的人,之所以常常被忽略,不就是因為他們已經非常完美了嗎?
    後來,西勒﹒庫斯特得出結論,上帝讓右手成為右手,就是對右手最高的獎賞,
    同理,上帝讓善人成為善人,也就是對善人的最高獎賞。
    西勒.庫斯特發現這一真理後,興奮不已,他以 "上帝讓你成為好孩子,就是對你的最高獎賞" 為題,立即給 瑪莉#8226;班尼 回了一封信,這封信在
    《芝加哥論壇報》 刊登之後,在不長的時間內,被美國及歐洲一千多家報刊轉載,並且每年的兒童節他們都要重新刊載一次。
    前不久,一位中國人不知在什麼地方發現了這封信,讀後,他通過國際互聯網在 《芝加哥論壇報》 的網頁上留言,說:"中國民間有一句古話,叫
    「惡有惡報,善有善報,不是不報,時候未到」。 我曾經對惡人遲遲得不到報應感到迷惑不解。
    現在我終於明白,因為 "讓惡人成為惡人就是上帝對他們的懲罰。"
    『人為善,福雖未至,禍已遠離; 人為惡,禍雖未至,福已遠離』......共勉之

    Dec 10, 2008

    How to call NLP utilities using Web Service

    One said,

    I love the work of developing simple, reusable, and hopefully long lasting software components. By simple I mean easy to use, not necessarily easy to design or implement. As software engineers we should, in my opinion, work hard to make complicated things look simple, not the other way around. On the other hand, I like distributed computing, which is pretty complicated by nature. I get very excited if my programs can jump from machine to machine, go through firewalls, and eventually retrieve or update data on a legacy system (which usually means mainframe to me :-).

    I hope our NLP utilities follow such principle.

     

    Here is the main steps you use our NLP utilities. More functions will be added.

    1. Create a windows forms application using visual studio 2005/2008.
      image
    2. Add Web service
      • open “add service reference” in solution panel
        image
      • You will see
        image
      • Click “advanced…”
        image
      • Click “add web reference…”
        image
      • Type “http://nuscu.ddns.comp.nus.edu.sg/WikiService3/Service1.asmx” and click “go”
      • image
      • Change name space as you will (such as NUSNLP) and then click “add reference”
      • tips:
        • If you use visual studio 2005. You can add “web service” directly;
        • Do not use “service reference”. It is mainly designed for WCF. It is wir
    3. You will find a new web reference
      image
    4. Call the web service
      image
      Here, TermValuePair has the structure of
      image
      So you do not need to specify the output structure. You can use it directly.

    45 Excellent Free Web Templates



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