Low interest rate is harmful

America, Japan and Europe have low interest rate for many years. It was thought that low interest rate would reduce cost to business and encourage more businesses to be created to create jobs for the people. It did not seem to work well.

The low interest rate has caused asset prices to increase, especially property prices. It has made housing more expensive and out of reach to ordinary citizens - although the low interest rate helps to remove the pain of paying the mortgages.

At a certain point in the future, the housing prices will collapse. It happened in Japan, USA and Europe. This is why the banks are shaky, as they have lent too much on the inflated housing prices. There seem to be no escape from the disaster down the road.

There is actually a solution - and that is to get away from the concept of marking to market of property prices. I shall not go into much discussion here - as it requires a totally different approach. It may be necesary to avoid the global disaster.

A more fundamental question is - could the developed economies have adopted a different approach (instead of low interest rate) to grow the economy and create sufficient jobs for everyone? The answer is "yes" - and that is to get everybody to work less, so that the available work can be distributed to all those who are willing to work. There will be more time for social life. Life is not just work alone.

How can work be better distributed? This is another interesting question and requires a more detailed discussion. At this juncture, I only wish to bring out this concept. Maybe, some economists have already written about it, and we can share their thinking.

Tan Kin Lian

Financial issues affecting Singaporeans

You can read the key financial news affecting Singaporeans in the FISCA website, http://easyapps.sg/assn/Org/Information.aspx?id=5

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Dec 23rd, 12pm EST ~ Dr. Love, inventor of Syncrohearts ? ?The ...

Pick up his love relationship game at www.syncrohearts.com

Would you like to feel the power of love? Are you ready to open your heart and allow your love to flow in all areas of your life? Do you want to enhance your relationship? If you are single, are you ready to attract that special person in your life? First time guest; Dr. Love will lovingly guide you along the path of love. Be prepared to shed a few tears and share some laughs, as Dr. Love performs ?opening of hearts? surgery on patient souls.

• Recall why life is too short not to love
• Learn how to fill yourself up with love anytime your love tank is on low
• Understand why self love is the key to attracting and enhancing a loving relationship
• Discover why relationships mirror our love and learn how to reflect your love in a troubled relationship
• Women will learn how to unlock a man?s heart ? the key is universal
• Experience the power of love with a powerful love meditation
• Get inspired to change your life and light up the world with love

Dr. Love; Inventor, Author, Speaker and prescriber of love. His forthcoming book is already in demand; ?Dr Love?s prescription for Becoming a Romantic Loving Man?
?It is not?the little blue pill?

Dr. Love is a natural expert on love and relationships and the inventor of the successful love relationship game called Syncrohearts. He was inspired to create this game to help enhance his own marriage and now his ?love game? is adding lots of love, laughter, great communication and more romance for couples around the world. During the development of Syncrohearts, a life changing transformation took place for the former forestry guy. As he came out of the forest, his heart opened, he became a romantic loving man and he was awarded with the honorary title of Dr. Love.

Dr Love prescribes love and performs ?opening of hearts? surgery on patient souls. He is an international speaker and author on the topic of love and relationships. He has been featured in national print, radio and television media. He twice earned the opportunity to try and slay the ?Dragons? with love on the CBC Dragons Den, a reality TV program in Canada. He recently won the 2011 Best Brilliant Idea for Humanity Contest. His love mission supports a very worthwhile charity, the Zajac Ranch for kids with special needs.

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Inventor of the Syncrohearts Relationship Game
www.syncrohearts.com
?The Game You Love to Play and Play to Love?

1-604-855-LOVE (5683)

Source: http://www.grailglobalvillage.com/dec-23rd-12pm-est-dr-love-inventor-of-syncrohearts-%E2%80%93-%E2%80%9Cthe-game-you-love-to-play-and-play-to-love%E2%80%9D/

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Walters' 'View' primed for run at top of ratings (AP)

NEW YORK ? With Oprah Winfrey gone, daytime television is ready for a new monarch.

Barbara Walters and the show she invented 15 years ago, "The View," pronounce themselves ready to step up. She may be past 80 now, but would YOU bet against her?

The show begins its new season Tuesday, with New York City Mayor Michael Bloomberg as guest. In a muddled daytime picture, "The View" plans to compete aggressively for displaced Winfrey viewers with a more topical feel, aggressive booking of guests and a few pages ripped from Oprah's playbook.

"Oprah was the only other show that did some of the things that we did," said Bill Geddie, executive producer. "Quite honestly, some of the people that we might have gotten second, we'll be getting first now."

"The View" has just as much chance as any to become the daytime talk leader. Late afternoon, where Winfrey's show ran across most of the country, is considered a more desired time slot than the 11 a.m. home of "The View." But a big mixture of personalities like Dr. Phil, Ellen DeGeneres, Anderson Cooper and Dr. Oz will now be competing in the afternoon, some of them new to their time slots or new to the business, and none goes in with a huge advantage in the ratings, said Bill Carroll, an expert in the daytime market for Katz Media.

Meanwhile, "The View" is a fixture at its time of day.

"Consistency always works in your favor," Carroll said.

Geddie noted that no 11 a.m. show has ever been the top daytime talk program, and he seems eager for the challenge of changing that.

The time slot was no real prize back in 1996. ABC had a string of failures there before asking Walters to come up with an idea for a show. She thought of presenting a handful of women with diverse backgrounds and opinions, primarily an entertainment show. Still busy at ABC News, Walters appeared only two days a week and asked Meredith Vieira to be moderator, a role now held by Whoopi Goldberg.

Only 60 percent of ABC viewers could see the show at first, and Walters remembers spending much of her first year cajoling station managers across the country to carry it. Now "The View" is seen virtually everywhere on ABC.

"The View" evolved to become more topical and opinionated as the years went on, a progression that is continuing. The Sept. 9 show will feature former New York Mayor Rudolph Giuliani and focus on the 10th anniversary of the terrorist attacks. Former Vice President Dick Cheney and GOP presidential candidate Jon Huntsman are each scheduled to appear in the first month.

Such guests co-exist with the popular "hot topics" opening segment, where Goldberg, Walters, Joy Behar, Elisabeth Hasselbeck and Sherri Shepherd kick around the day's water-cooler subjects.

Still, Walters cautioned, "We are not `Meet the Press.'" Not when Kim, Kourtney and Khloe Kardashian are booked for Wednesday. Matthew Broderick, Jennifer Aniston, Demi Moore and Alicia Keys are among other first-month guests.

Behar and Shepherd will talk about what it was like for each of them to get married this summer, and the show plans to candidly follow Shepherd's effort to have another child.

"We still do loving interviews," Walters said. "We're not Bill O'Reilly."

Fox News' O'Reilly, who's had some memorable tangles with the ladies of "The View," is also booked for the first month.

"Authors, actors, celebrities and so forth need a place to go," she said. "And we're a very good place to go. We're an intelligent show, we are a stable show, we like each other. ... It's a fun show, and I think they will feel all the more comfortable with us."

Sound like a pitch? Walters has made a few in her day. Much of the energy she brought to finding big interview "gets" for ABC News is now focused on "The View," where she usually appears three or four days a week. Firmly establishing the topical niche is a pre-emptive strike against CNN's Cooper, who premieres his show this fall, and Walters' ABC colleague Katie Couric. Couric, who was a guest host on "The View" once this summer, begins her own daytime talk show next year.

Geddie also talks about more frequently using panels of expert contributors ? doctors, lawyers and such ? to answer questions. That also sounds very Oprah-like, given the satellite system of contributors she developed through the years.

The competitive approach also extends to cosmetics. Instead of slapping a fresh coat of paint on an old set, "The View" completed a sleek redesign. Gone is the uncomfortable couch where Walters joked some guests nearly toppled over and off the set.

"We've always thought of ourself as the little engine that could, and now we're practically the railroad," Geddie said. "The landscape is changing, and it's not just Oprah. The soap operas are going away. At ABC, we were always the third or fourth show behind the soaps and now we're the No. 1 show. We felt that if we were a big show, we ought to look like it and act like it."

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On Twitter:

(at)theviewtv, (at)whoopigoldberg, (at)BarbaraJWalters, (at)JoyVBehar, (at)ehasselbeck, (at)SherriEShepherd.

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ABC is owned by The Walt Disney Co.

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Online:

http://theview.abc.go.com/

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EDITOR'S NOTE ? David Bauder can be reached via email at dbauder"at"ap.org or on Twitter (at)dbauder.

Source: http://us.rd.yahoo.com/dailynews/rss/celebrity/*http%3A//news.yahoo.com/s/ap/20110905/ap_on_en_tv/us_tv_the_view

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Home Insurance Quotes: Cover Your Home In An Inexpensive Manner

For most people, a home is an asset that they are able to acquire only after working hard and saving every penny for a major part of their adult lives. As such it is quite understandable that they are extremely possessive as well as protective about their house and want to safeguard it from all type of damage. However, with the rates of inflation touching new heights, it is only natural that home insurance premiums are also soaring. This can prove quite frustrating for people having a limited budget and planning to get affordable home insurance quotes. Although it may be difficult to find policy providers who offer inexpensive home assurance plans it not completely impossible. With a little patience and thorough online research, you can find quotes to cover your property at much cheaper rates.

During your search for low-cost home insurance quotes , it is vital to make some basic calculations which can prove helpful in your quest. Listed below are the issues that you need to cover in order to seek affordable quotations.

· It is important to make an approximate evaluation of the house you want to insure along with any other items of value that you want to get covered. Most people are unaware of the fact that the age of the house owner also plays an important role in deciding the premium rates, with most reputable companies offering a discount to people aged 62 or above.

· The best way of finding cheap insurance quotes is to obtain the quotations of different providers and then compare their coverage benefits and premium rates. It is also vital to go through all their terms and conditions, most of which are available in extremely fine print, so as to ensure that there are no hidden costs or coverage loopholes that might create complications at the time of claim.

· Seek the advice and guidance of friends and acquaintances about the choosing reliable insurance providers that can provide an estimate according to your needs and within your budget range.

· Many times clients are deprived of a discount simply because they never ask for it. Make sure that whichever insurance company you choose, you never forget to ask about a discount. Even if they don’t offer one, you do not lose anything by asking. On the other hand, it might help you save significant amount, in case they agree to a concession.

Campbell Solberg Associates are one of the foremost and reputable insurance agents renowned for their economical, honest and genuine home insurance quotes . For more information on their services you can logon to their website www.campbellsolberg.com.