@trend.raqqa: التطور والابداع والجمال في محافظة الرقة #trend_raqqa #الرقة #ترند_الرقة

ترند الرقة

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Saturday 07 November 2026 15:17:32 GMT

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🇸🇦 :

الصوت مركب هذي حواري

2026-11-07 21:27:04

3

فانز ام احمد🌹🌹 :

هذاوين في اي منطقه في الرقه

2026-11-07 16:13:28

1

meryem :

الدرعية 🤭

2026-11-07 19:11:54

3

✨️MANAL✨️ :

رد فعل الابداع

2026-11-08 22:07:58

1

الهيبة من الله عطى :

🤣🤣🤣🤣🤣 رائع هذا التطور والابداع

2026-11-07 16:41:05

1

mirfet :

هذا الطريق يمكن عند مدرسة طارق بن زياد

2026-11-07 21:53:31

1

مــحــمــود | 𝑴𝒂𝒉𝒎𝒐𝒖𝒅 :

الدرعية ترحب بكم [دموع الفرح][دموع الفرح][دموع الفرح]

2026-11-07 17:50:00

1

صـ⃪ٓدام اࢦࢪڪـ⃪⃪اوي🖤⤿⃪ٰ :

خاوالي

2026-11-10 14:49:14

0

ابو فجر :

حلو

2026-11-09 12:58:19

0

<وِــسـكار>❤️‍🩹—_؟•€ :

هاذا جوز خالاتي يلي بل سياره وربي

2026-11-09 21:36:24

0

s :

لك ابوس رب الرقة

2026-11-09 10:48:07

0

ابو احمد ٢ :

👍👍

2026-11-07 18:25:59

1

Mohamad Saleh990 :

2026-11-08 21:29:02

0

<وِــسـكار>❤️‍🩹—_؟•€ :

الدرعيه خوالي جامع الصفه حدو ساكنين [ضحكة كبيرة][ضحكة مكتومة]

2026-11-09 21:34:58

0

عدي الأنيق 🤎📿 :

😂

2026-11-07 15:36:36

1

ابوحسن الشمري :

2026-11-07 15:23:42

0

ابو نايف :

2026-11-08 23:44:44

0

ابن سوريا :

2026-11-09 20:31:33

0

Ali Can 👑 :

😳😳

2026-11-08 14:11:32

0

ابن الفرات :

2026-11-08 10:56:55

0

ابو الرود 🖤🖤 :

والله هادا الشرع انا سكن هون

2026-11-11 10:46:19

0

مؤيد الفراتي :

لحظه ادراك 🚶0:

2026-11-08 15:09:19

0

هادي :

الدرعية 💔😔

2026-11-08 16:15:32

0

عمر :

كويس الله يديم التطور طريق سوبر ديلوكس😂

2026-11-08 19:19:30

0

رگاوي :

2026-11-07 15:27:35

0

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In 1991, a public housing flat in Bishan, Singapore, sold on the resale market for 240,000 Singapore dollars, around $144,000. This September, an identical flat in the same building sold for 1.48 million Singapore dollars, about $1.16 million. Around three-quarters of Singaporeans live in flats constructed by the government's Housing and Development Board, or HDB. They can sell their homes on the open market after five years and keep all of the gain. Last year 1,593 flats were resold for a million Singapore dollars or more. Most rich countries use a different system for funding retirement. In America, Social Security takes 12.4% of a worker's pay, half from the employee and half from the employer, and hands it to people who are already retired. In 1960 there were five workers contributing for every beneficiary. Today there are about two and a half. The trust funds will run dry by 2034, according to the government's own trustees, and contributions will cover only around 83% of promised benefits. Most of Western Europe uses the same pay-as-you-go system. Singapore boasts that its pension system is not funded by its younger generation. Under the Central Provident Fund, which is forced savings, workers save 20% of their income in an individual account, and they fund their own retirement out of those savings. I asked Donald Low, who worked in the Singapore civil service for almost 15 years, including in budget and tax policy at the Ministry of Finance, about this. He told me that the intergenerational transfer still happens, but in a different place.

In 1991, a public housing flat in Bishan, Singapore, sold on the resale market for 240,000 Singapore dollars, around $144,000. This September, an identical flat in the same building sold for 1.48 million Singapore dollars, about $1.16 million. Around three-quarters of Singaporeans live in flats constructed by the government's Housing and Development Board, or HDB. They can sell their homes on the open market after five years and keep all of the gain. Last year 1,593 flats were resold for a million Singapore dollars or more. Most rich countries use a different system for funding retirement. In America, Social Security takes 12.4% of a worker's pay, half from the employee and half from the employer, and hands it to people who are already retired. In 1960 there were five workers contributing for every beneficiary. Today there are about two and a half. The trust funds will run dry by 2034, according to the government's own trustees, and contributions will cover only around 83% of promised benefits. Most of Western Europe uses the same pay-as-you-go system. Singapore boasts that its pension system is not funded by its younger generation. Under the Central Provident Fund, which is forced savings, workers save 20% of their income in an individual account, and they fund their own retirement out of those savings. I asked Donald Low, who worked in the Singapore civil service for almost 15 years, including in budget and tax policy at the Ministry of Finance, about this. He told me that the intergenerational transfer still happens, but in a different place. "But when it comes to housing, there is de facto intergenerational transfers because the ones selling the flats at these million dollar prices invariably would be older Singaporeans, looking to capitalize. Looking to turn their housing asset into cash. So they will be the ones selling these flats. And who will be paying for these flats? The younger generation." According to government data, the median age of buyers of million-dollar flats from 2015 to 2023 was 40, about a generation younger than the people who bought these flats in the 1980s and 1990s. Low's proposed solution isn't to build fewer flats. "So if I were to change the housing system I would really try to scale it down. Not scale it down in terms of the supply of housing, but scale it down in terms of what it's meant to do." So Singapore built a pension plan that never involves transfers from the young to the retired, unlike the one in America, and then let its housing market do exactly that. In America, workers can see the transfer happening on each pay stub. In Singapore, the transfer is inside the price of a flat, not taxed as a gain, and never shows up as a transfer in the budget.

I need this Zara Jean in every Color please🤏 #fashiontiktok #hottrend #OOTD #fashiontrends #zarajeans

I need this Zara Jean in every Color please🤏 #fashiontiktok #hottrend #OOTD #fashiontrends #zarajeans

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