Jay Adam

Exactly. Like other day I watched this movie where spider bites a guy and he becomes spider man!

Paling tak boleh blah dengan tempat parking charge mahal mahal pastu buat statement lepas tangan "Park at your own risk".

indonesia lowered the poverty rate by lowering the poverty line btw

Why are they never doing this for dictators or child molesters or serial killers? Why voodoo never use on student loan forgiveness? Always stupid shit like this

this looks like shit and makes literally zero sense

NASA I love you but what you did to my home that day was fucked up.

Luis Díaz, Harry Kane and Michael Olise have scored a combined 𝟏𝟎𝟎 𝐠𝐨𝐚𝐥𝐬 for Bayern Munich this season. The first attacking trio not from Barcelona or Real Madrid to accomplish it 🔴✨

These players thought rebelling against Xabi was the easy way out With this one they can’t get their journalists friends to bully him 😭😭😭

he always been old my entire life but now he’s actually old 😭

5 goals in the first half of PSG vs Bayern Tomorrow we’re back to 90 minutes of pure haramball ending 0-0

“If he hates video games why even be the director?” Brother he’s Peter Berg you’re about to see the biggest IDF commercial you’ve ever seen

🚨 BREAKING: Vinicus Jr has told Real Madrid that he will consider leaving the club if Jose Mourinho is the next Madrid Manager

Don't harm opossums! They’re harmless and actually really useful. They keep pests in check (eating ticks, roaches, rats, and scorpions), clean up dead animals, and help spread seeds. Basically, they’re nature’s cleanup crew

Tukar kerja memang boleh naikkan gaji. Tapi syarat dia satu: nilai pasaran kau mesti naik sekali. Masalahnya, tak semua tempat kerja beri ruang untuk tambah nilai. Ada orang duduk 2–3 tahun, tapi kerja masih sama, akses ilmu tak ada, peluang naik pun tertutup. Waktu itu, job hopping bukan manja. Itu cara keluar dari tempat yang tak lagi besarkan kau. Yang patut dikejar bukan offer letter baru. Tapi leverage.

We would have been playing like PSG and Bayern by next season under Xabi if this crybaby didn’t throw a tantrum, now we hear names like Mourinho😭

A friend told me that Singapore's HDB is a form of wealth transfer by their government. I didn't know what he meant. Wealth transfer from who, to who, and how? We have PPR in Malaysia. Isn't that just our version of HDB? The more I dug, the less true that turned out to be. Start with who each system is for. PPR is welfare. The income cap is RM3,000 per month. Earn RM3,500 and you do not qualify. It is for the bottom half of B40. HDB is the default. Around 80 percent of Singaporeans live in HDB flats. The income ceiling for new flats goes up to SGD 14,000 per month, roughly RM48,000. Almost everyone qualifies. So one is a safety net. The other is the country's main housing system. That is a huge difference at the starting line. Now financing. This is the part nobody talks about. Every working Singaporean contributes to CPF. Roughly 20 percent of their salary plus 17 percent from their employer. That money funds the HDB downpayment. It also pays the monthly mortgage directly, no commercial bank in between. The whole thing is a closed loop. The government builds the flat, sells it to you, holds your retirement savings, and pays itself back from your retirement savings. In Malaysia, PPR ownership is paid through commercial bank loans. Regular mortgage. Regular interest. Regular default risk. EPF can be tapped for housing in limited ways but is not structurally integrated with public housing the way CPF is with HDB. This is why HDB ownership is near-universal in Singapore. You almost cannot avoid owning a flat because the retirement system is built to push you toward one. Then there is the part that turns this from a housing system into a wealth-building system. HDB flats are sold at subsidized prices and appreciate in price almost from the moment it's sold. The HDB Resale Price Index has gone up roughly 50 percent since 2009, even though the flats are technically depreciating 99-year leaseholds. The newer the lease, the better the location, the better the resale value. So Singaporeans who bought HDB flats in their twenties and thirties are sitting on assets that have grown alongside the country. They can sell, downgrade, and keep the difference. They can borrow against it. They can pass the lease on to family. PPR units do not appreciate the same way. The resale market is thin. The locations are not desirable. The buyers are limited to other low-income households. The unit you bought for RM35,000 might still be worth RM35,000 fifteen years later in real terms. So one system gives you a home and a wealth-building asset. The other gives you a home. OK so let me circle back to my friend's claim. Why is HDB a wealth transfer? I think I see it now. In the 1960s and 70s, the Singapore government acquired most of the country's land under the Land Acquisition Act, often below market rates. They paid the old landowners less than the land was worth. Then they built flats on that land and sold them at subsidised prices to the population. The wealth transfer flowed from old landowners to new flat buyers, with the government as the middleman. Land that would have made a small number of families very rich was converted into housing that 80 percent of the population could afford. By 1985, the Singapore government owned 76 percent of the country's land, up from 31 percent in 1949. That was the foundation everything else was built on. You might be wondering why Malaysia cannot just do the same. The political moment for that kind of land acquisition has passed. Singapore did it during a specific window of nation-building under a one-party government. Malaysia has federalism, state land powers, multiple ethnic land claims, and a political environment where mass land acquisition would be near impossible. So PPR is not a smaller HDB. PPR is a different programme answering a different question. HDB asks "how do we house everyone." PPR asks "how do we shelter the poorest." These are not the same project. When someone says Malaysia should have an HDB, they are really asking us to redo a 1965 nation-building exercise in 2026. That is much bigger than just building more PPR. Did you learn something today like I did?

📲 Erling Haaland on Snapchat: “Watching Arsenal will make you think Football is a boring game ” 😂

is that a threat

thank you @googlemaps

Bayern - PSG Arsenal - Atletico