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Important Note: Kindly be informed that with effect from 10 April 2019, we have abandoned Twitter as we found out that a great part of our Tweets were being wiped out without prior notice.

We will publish as usual & we welcome All of Goodwill to Beautiful Singapore to have a great time!


Free Lectures Part 3 (last updated on 10 October 2019)

This work is contributed by our Mr Emmanuel Goh, Er. Maria Goh & the Consultants in the Company.




Important updates are listed on top in red, all other updates are listed below including the newer ones. Other updates: updated on 10 October 2019. Thanks.


Important Updates: Last updated on 8 October 2019


See one of our defence work: Criminal Investigation Department, Singapore Police Force. Please check that the same incident does not happen to you. (updated on 8 October 2019)


4 May 2019:

Singapore Introduced: Protection from Online Falsehood and Manipulation Bill.

Please see compilation on important provisions.

Sending You Peace, Love & Joy now!

Welcome to Singapore!


Singapore Introduced: Protection from Harassment (Amendment) Bill

Please see compilation on important provisions.

Sending You Peace, Love & Joy now!

Welcome to Singapore!

(Updated on 1 May 2019, 15:50 (SGT))


Please check if these important updates are relevant to you MediShield Life, LS1965 &  P65 .

We love All in Singapore & want you to be Happy Always!


MediShield Life Scheme Act 2015  (Paid Publication compiled by others in 2015)


#Singapore Passed: Income Tax (Amendment) Bill (we tweeted on 3 October 2018)

New Sections 65F to 65K empowers the Comptroller to forced entry, arrest without a warrant, to detain, search & criminalize etc. See page 87 onwards.

Original: Income Tax Act


Singapore: Films Act (current version as at 12 April 2019) (we tweeted in 2018)

Please note the important Sections 23, 34, 36 & 37 on related search, seize & arrest.


Singapore GST: Goods and Services Tax (Amendment) Act 2018 (GST) (we tweeted on 31 December 2018)

See new amended Sections 83E to 83J on provisions “to arrest without a warrant under certain circumstances, entry, search & seize” etc..



Updates on 10 October 2019

FOMC Minutes for 17-18 September 2019, released on 9 October 2019 EDT.

Effective September 19, 2019, the FOMC to maintain the federal funds rate in a target range of 1.75% to 2%, including overnight reverse repurchase operations at an offering rate of 1.70%, in amounts limited only by the value of Treasury securities held outright in the System Open Market Account that are available for such operations and by a per-counterparty limit of $30 billion per day.

FOMC to continue rolling over at auction all principal payments from the Federal Reserve's holdings of Treasury securities and to continue reinvesting all principal payments from the Federal Reserve's holdings of agency debt and agency mortgage-backed securities received during each calendar month. Principal payments from agency debt and agency mortgage-backed securities up to $20 billion per month will continue to be reinvested in Treasury securities to roughly match the maturity composition of Treasury securities outstanding; principal payments in excess of $20 billion per month will continue to be reinvested in agency mortgage-backed securities. Small deviations from these amounts for operational reasons are acceptable.

FOMC will engage in dollar roll and coupon swap transactions as necessary to facilitate settlement of the Federal Reserve's agency mortgage-backed securities transactions.

In determining the timing and size of future adjustments to the target range for the federal funds rate, FOMC will assess realized and expected economic conditions relative to its maximum employment objective and its symmetric 2% inflation objective. This assessment will take into account a wide range of information, including measures of labor market conditions, indicators of inflation pressures and inflation expectations, and readings on financial and international developments.


Updates on 9 October 2019

Federal Reserve: Speech by Chair Jerome H. Powell “Data-Dependent Monetary Policy in an Evolving Economy” dated 8 October 2019 EDT

In summary, data dependence is, and always has been, at the heart of policymaking at the Federal Reserve. We are always seeking out new and better sources of information and refining our analysis of that information to keep us abreast of conditions as our economy constantly reinvents itself. Before wrapping up, I will discuss recent developments in money markets and the current stance of monetary policy.


I want to emphasize that growth of our balance sheet for reserve management purposes should in no way be confused with the large-scale asset purchase programs that we deployed after the financial crisis. Neither the recent technical issues nor the purchases of Treasury bills we are contemplating to resolve them should materially affect the stance of monetary policy, to which I now turn.


Our goal in monetary policy is to promote maximum employment and stable prices, which we interpret as inflation running closely around our symmetric 2 percent objective. At present, the jobs and inflation pictures are favorable. Many indicators show a historically strong labor market, with solid job gains, the unemployment rate at half-century lows, and rising prime-age labor force participation. Wages are rising, especially for those with lower-paying jobs. Inflation is somewhat below our symmetric 2 percent objective but has been gradually firming over the past few months. FOMC participants continue to see a sustained expansion of economic activity, strong labor market conditions, and inflation near our symmetric 2 percent objective as most likely. Many outside forecasters agree.


But there are risks to this favorable outlook, principally from global developments. Growth around much of the world has weakened over the past year and a half, and uncertainties around trade, Brexit, and other issues pose risks to the outlook. As those factors have evolved, my colleagues and I have shifted our views about appropriate monetary policy toward a lower path for the federal funds rate and have lowered its target range by 50 basis points. We believe that our policy actions are providing support for the outlook. Looking ahead, policy is not on a preset course. The next FOMC meeting is several weeks away, and we will be carefully monitoring incoming information. We will be data dependent, assessing the outlook and risks to the outlook on a meeting-by-meeting basis. Taking all that into account, we will act as appropriate to support continued growth, a strong job market, and inflation moving back to our symmetric 2 percent objective.


See FOMC Past Records.


Updates on 13 September 2019

ECB Press Conference on 12 September 2019

Policy decisions summarised:

(1) The interest rate on the deposit facility will be decreased to -0.50%. The interest rate on the main refinancing operations and the rate on the marginal lending facility will remain unchanged at their current levels of 0.00% and 0.25% respectively. The Governing Council now expects the key ECB interest rates to remain at their present or lower levels until it has seen the inflation sufficiently close to, but below, 2%.

(2) Net purchases Asset purchase programme (APP) will be at a monthly pace of €20 billion as from 1 November. The Governing Council expects them to run for as long as necessary and to end shortly before it starts raising the key ECB interest rates.

(3) Reinvestments of the principal payments from maturing securities purchased under the APP will continue, in full, for an extended period of time for as long as necessary to maintain favourable liquidity conditions.

(4) For banks whose eligible net lending exceeds a benchmark, the rate applied in TLTRO III operations will be lower, and can be as low as the average interest rate on the deposit facility prevailing over the life of the operation. The maturity of the operations will be extended from two to three years.

(5) In order to support the bank-based transmission of monetary policy, a two-tier system for reserve remuneration will be introduced, in which part of banks’ holdings of excess liquidity will be exempt from the negative deposit facility rate.

ECB introduces two-tier system for remunerating excess liquidity holdings (12 September 2019)

ECB provides additional details on purchases of assets with yields below the deposit facility rate (12 September 2019)

ECB staff macroeconomic projections for the euro area (September 2019)

ECB announces changes to new targeted longer-term refinancing operations (TLTRO III) (12 September 2019)


See ECB Past Records




Updates on 10 April 2019

All our Free Lectures listed in our Twitter Account from 25 March 2015 to that recently were wiped out completely.

See our example & you know one should never build his foundation on sand. Our Creator just showed us who is the “sand” & we are starting all over again quickly!




















May your days be filled 
with Joy, Love & Peace!