$ - Survey Global Test Market

Global Test Market 是世界性的，通过完成问卷调查从而获取分数换取
现金。它们以美金兑换成该国的货币再以支票邮寄到我们的手上。

Is GlobalTestMarket available in my country?

The GlobalTestMarket community is proud to be present and have 

members in the following 49 countries:

Argentina Australia Austria Belgium Brazil Canada China Colombia Czech Republic Denmark Egypt Finland France

Germany Greece Hong Kong Hungary India Indonesia Ireland Israel Italy Japan Korea, South Malaysia Mexico

Netherlands New Zealand Pakistan Norway Philippines Poland Portugal Romania Russia Saudi Arabia Singapore South Africa Spain

Sweden Switzerland Taiwan Thailand Turkey United Arab Emirates United Kingdom United States of America Venezuela Vietnam

How do I become a member?

To become a member of GlobalTestMarket, you need to fill out our 

registration form. You will be sent an account activation email in order 

to confirm your registration.

How does it work?

Invitations to take surveys will be emailed directly to you. On average, it takes 20 minutes to participate in an online survey. You will earn MarketPoints or Sweepstakes entries for each completed survey. Once you have accrued 1000 MarketPoints, you can redeem these points for cash! Daily and quarterly sweepstakes winners will be contacted directly to claim their cash prize.

How do I redeem my MarketPoints?

1. Log in to your account
2. Click on 'Rewards' in the tab
3. Click on 'Redeem' and specify the amount of MarketPoints you would like to convert to cash 
4. Note: A minimum of 1000 MarketPoints are needed for conversion to cash
5. Confirm that your mailing address is correct and click 'Yes' to complete your redemption
   (Please allow 4-6 weeks from the date of redemption for your check to arrive if you reside within the United States, or 6-8 weeks if you reside outside of the U.S.)

Why didn't I get rewarded for a survey?

Shortly after completing the survey your account is credited with the reward

stated in the survey invitation. If you were not awarded the right amount of 

MarketPoints or Sweepstakes entries for completing a survey, please contact us 

and provide the survey invitation link or the survey number in question.

https://www.globaltestmarket.com/aboutus1.php

$ - Sabana Reit

Sabana Shari’ah Compliant Industrial Real Estate Investment Trust (“Sabana
Shari’ah Compliant REIT”) is a real estate investment trust constituted on
29 October 2010 under the laws of Singapore.
Sabana Shari’ah Compliant REIT is established principally to invest in 
income-producing real estate used for industrial purposes in Asia, as well as
real estate-related assets, in line with Shari’ah investment principles. The initial
property portfolio of Sabana Shari’ah Compliant REIT will comprise 15 industrial 
properties located across Singapore, with an aggregate gross floor area of 
approximately 3,286,220 sq ft.

The Manager’s key objective is to provide Unitholders of Sabana Shari’ah 
Compliant REIT with regular and stable distributions and long-term growth in 
distribution per Unit and net asset value per Unit, while maintaining an 
appropriate capital structure.

Sabana Real Estate Investment Management Pte Ltd is the manager of 
Sabana Shari’ah Compliant REIT.

Full Company Name:	Sabana Shari'ah Compliant REIT
Incorporated in :	SINGAPORE
Incorporated on :	29 Oct 2010
ISIN Code :	SG2C57965205
Registered Office :	c/o Sabana Real Estate Investment Management Pte Ltd 151 Lorong Chuan #02-03 New Tech Park Singapore 556741
Telephone:	65 65807750
Fax:	65 62804700
Link to Internet Website	http://www.sabana-reit.com

$ - Capital Mall Trust

Date	Open	High	Low	Close	Volume
Summary
Recent 2 weeks (12/11/2012 to 26/11/2012)	2.060	2.140	2.020	2.100	99,941,000
Previous 2 weeks (29/10/2012 to 09/11/2012)	2.250	2.250	2.060	2.060	95,024,000
Previous 4 weeks (28/09/2012 to 25/10/2012)	2.010	2.200	1.990	2.180	152,224,000
Daily Historical Data
26/11/2012	2.070	2.100	2.050	2.100	8,892,000
23/11/2012	2.070	2.070	2.040	2.060	7,038,000
22/11/2012	2.050	2.090	2.040	2.060	22,720,000
21/11/2012	2.100	2.140	2.090	2.110	8,281,000
20/11/2012	2.100	2.110	2.070	2.100	5,968,000
19/11/2012	2.080	2.090	2.060	2.080	6,501,000
16/11/2012	2.030	2.110	2.020	2.080	13,813,000
15/11/2012	2.060	2.070	2.030	2.060	11,027,000
14/11/2012	2.080	2.090	2.050	2.080	9,796,000
12/11/2012	2.060	2.090	2.050	2.090	5,905,000
09/11/2012	2.070	2.090	2.060	2.060	5,917,000
08/11/2012	2.100	2.120	2.060	2.090	8,710,000
07/11/2012	2.080	2.120	2.060	2.110	7,231,000
06/11/2012	2.080	2.110	2.060	2.070	7,568,000
05/11/2012	2.110	2.110	2.070	2.090	8,366,000
02/11/2012	2.150	2.180	2.100	2.120	5,655,000
01/11/2012	2.130	2.150	2.080	2.130	7,924,000
31/10/2012	2.100	2.140	2.100	2.110	15,731,000
30/10/2012	2.200	2.200	2.090	2.100	13,932,000
29/10/2012	2.250	2.250	2.160	2.200	13,990,000
25/10/2012	2.150	2.190	2.140	2.180	11,544,000
24/10/2012	2.120	2.180	2.120	2.150	9,247,000
23/10/2012	2.120	2.200	2.120	2.140	11,485,000
22/10/2012	2.110	2.140	2.110	2.130	3,924,000
19/10/2012	2.120	2.150	2.110	2.140	5,781,000
18/10/2012	2.130	2.130	2.100	2.110	5,014,000
17/10/2012	2.120	2.140	2.100	2.110	6,877,000

SGX Symbol:	C38U	Currency:	SGD
Last Done:	2.100	Last Trading Day's Close:	2.100
Change:	-	% Change:	-
Day's Range:	-	52 Weeks' Range:	1.615 - 2.250

CapitaMall Trust (CMT) is a publicly owned real estate investment arm
of CapitaLand Ltd. The firm invests in income producing retail properties.
It invests in the real estate markets of Singapore. CapitaMall Trust was
founded in October, 2001 and is based in Singapore.

In May 2011, CMT took a 30.0% stake in a joint venture to develop a prime
 land parcel at Jurong Gateway, marking its first foray into greenfield developments.
The land parcel has a prime location next to both Jurong East MRT station (an
interchange station with two major train lines) and Jurong East bus interchange.
Jurong is set to be the largest regional centre in Singapore for commercial
developments outside the city centre. Under the URA’s Jurong Gateway project,
the precinct will feature a mix of office, retail, hotel, entertainment, food & beverage
and other complementary uses. Jurong Gateway is about 2.5 times the size of
Tampines Regional Centre.
The new retail and office site will continue the transformation of the area into an
attractive destination for business and leisure serving more than 3,000 multinational
and global businesses in the Jurong and Tuas areas. Including neighbouring towns
such as Clementi, Bukit Batok, Jurong East and Jurong West, there is a catchment
of one million residents.
Subject to planning approval from URA, the shopping mall is expected to have five
 levels including one basement level. The one-stop family mall will both cater to
residents’ everyday needs and offer specialty shops. CMT’s 30.0% share of the
total development cost is approximately S$450.0 million

$ - Online Paid Survey - Survey Head

Surveyhead was founded in 2008 by the founders of goZing.com. From 1999 to
2005, goZing paid out over $5 million to people worldwide for completing paid
surveys online. In 2005, goZing was acquired by a public competitor.

Today, we work with corporations and market research firms around the world
to help them gain competitive intelligence through paid surveys online.

Your opinion matters! By carefully providing answers to market research surveys,
you are personally helping to shape the business strategies of executives around the
world. In exchange for providing your opinion, Surveyhead will pay you a cash reward

It's a "WIN-WIN" situation for everyone involved. Market Research companies
pay us to find the best people to take their paid online survey. We match you up
to the right surveys by asking some simple questions about your basic demographic
information which is used only to find the right paid surveys for you.

Sign up for free at Surveyhead.com and get paid for each survey you take. We’ll
even give you a $5.00 bonus just for signing up and verifying your email address.
It’s really that simple!

https://www.surveyhead.com/

娱 - 态度的魔力

态度是一件奇妙的东西，它会产生神奇的力量。美国哈佛大学的一项实验，
证实了态度的魔力。
　　 若干年前，罗伯特博士在哈佛大学主持一项为期六周老鼠通过迷阵
吃干酪的实验，其对象是三组学生与三组老鼠。
　　 他对第一组学生说：“你们太幸运了，因为你们将跟一群天才老鼠
在一起。这群聪明的老鼠将迅速通过迷阵抵达终点，然后吃许多干酪，所
以你们必须多准备些干酪放在终站。”
　　 他对第二组学生说：“你们将跟一群普通的老鼠在一起。这群平庸
的老鼠最后还是会通过迷障抵达终点，然后吃一些干酪。因为它们智能
平平，所以期望不要太高。”
　　 他对第三组学生说：“很抱歉，你们将跟一群笨老鼠在一起。这群
笨老鼠的表现会很差，不太可能通过迷障到达终点，因此你们根本不用
准备干酪。”
　　 六个星期之后，实验结果出来了。天才老鼠迅速通过迷阵，很快就
抵达终点；普通老鼠也到达终点，不过速度很慢；至于愚笨的老鼠，只
有一只通过迷障抵达终点。
　　 有趣的是，其实根本没有什么天才老鼠与笨老鼠，它们全都是同一
窝的普通老鼠。这些老鼠之所以表现有天壤之别，完全是因为实验的学生
受了罗伯特博士的影响，对他们态度不同所产生的结果，学生们当然不懂
老鼠的语言，然而老鼠知道学生对它们的态度。
　　 此一实验证明了态度的神奇力量。因此，一个人要成功，除了努
力之外，必须具备正确的态度。

$ - Cambridge Reit's

Cambridge Industrial Trust operates as an independent industrial real estate investment
 trust in Singapore. The company invests directly or indirectly in income-producing real estate
and real estate related assets used primarily for industrial and warehousing purposes. Its
real estate portfolio comprises industrial properties, logistics and warehousing properties,
 light industrial properties, industrial and warehousing properties, self storage and warehousing
 properties, and car showroom and workshop properties. As of December 31, 2010, the company’
s portfolio comprised 43 properties with approximately 645,908 square meters of lettable area
leased to 110 tenants. Cambridge Industrial Trust Management Limited operates as the manager
of the company. Cambridge Industrial Trust was formed on March 31, 2006 and is based in Singapore.

Website: http://www.cambridge-itrust.com

$ - Cache Logistics Trust

Cache Logistics Trust, a real estate investment trust, owns and invests in
income-producing real estate used for logistics purposes in the Asia Pacific.
It also owns and invests in real estate related assets. As at Dec 31, 2010
the company’s asset portfolio consisted of six logistics properties in Singapore,
which include CWT Commodity Hub, CWT Cold Hub, Schenker Megahub,
Hi-Speed Logistics Centre, C&P Changi Districentre, and C&P Changi
Districentre 2. Cache Logistics Trust was formed on February 11, 2010 and
is based in Singapore.

$ - Reits

REITs（Real　Estate　Investment　Trusts）即房地产投资信托基金。
实际上是一种证券化的产业投资基金，通过发行股票（基金单位）
，集合公众投资者资金，由专门机构经营管理，通过多元化的投资，
选择不同地区、不同类型的房地产项目进行投资组合，在有效降低
风险的同时通过将出租不动产所产生的收入以派息的方式分配给股东
，从而使投资人获取长期稳定的投资收益。

传统的REITs基本上是指专门持有房地产、与抵押贷款相关的资产或
同时持有这两种资产的一种封闭式基金。这种投资工具于1960年由美
国国会批准设立，目的在于使普通投资者能够以小额的资金投资于资
金规模需求巨大的房地产行业。在REITs出现以前，投资者只能从房地
产市场（而不是股票市场）上购买房地产。然而，随着REITs的出现，
在股票市场上进行股票交易就成为了可能，因为它们以公司或信托的
形式出现。投资者在股票市场上购买了REITs股票，就相当于购买了房
地产和抵押贷款。因此，REITs的出现，使得小额投资者也可以进行房
地产投资了。

REITs和上市房地产公司的区别：现代意义上的REITs确实是一上市房地
产公司，但却是特殊的上市房地产公司：REITS在投资政策上是有限制的
，比如REITS需要额外融资，须得到基金持有人的许可，且投资产业必须
与投资策略一致；REITs有最高的负债比率限制，其负债比率低于上市房
地产公司；REITs的股利分配政策是把收入的大多数分配给投资者；但国
内的上市房地产公司并非REITs：上市房地产公司投资政策没有限制，可
自由投资在物产、空置土地、房地产开发和其它非相关物产的企业活动；
上市房地产公司没有最高负债比率限制，由于参与房地产开发，负债比率
较REITs高；上市房地产公司的股利分配政策也可以另外多变，甚至可以
不分配。

食 - 海带豆腐汤

材料：

主料：嫩豆腐1块、海带100g、蘑菇50g

配料：干虾米10g，玉蜀黍，干贝

调料：盐

准备：

1，豆腐切成方的小块，海带结切菱形片

2，放入500ml清水烧开，加入玉蜀黍，干贝煲约15分钟

3，将切好的豆腐块放入汤中

4，大火烧开后转小火，将海带片放入汤中；

5，加入洗净沥干水分干虾米；蘑菇

6，中火煮3分钟，加入适量盐即可。

食 - 土豆焖鸡块

材料:小土豆,鸡肉,青蒜,姜,蒜
调味料:生抽,蚝油,砂糖,料酒
做法：
1，油热后放入蒜，姜块爆香
2，放入鸡块及1茶匙料酒炒至半熟
3，放入土豆继续翻炒直至土豆变金黄色
4，倒入生抽，蚝油，砂糖，清水
5，转小火加盖闷制
6，酱汁差不多收干后加入青蒜翻炒一下即可上桌

食 - 莲藕木耳炒肉片

【主料】莲藕一只、猪肉150克、黑木耳100克

【配料】葱、姜、辣椒干

【调料】盐、白糖、料酒

【做法】

1、莲藕削皮，木耳用凉水泡发后洗净，撕成小朵。五花肉一块。

2、五花肉去皮，切成薄片（最好冷冻一下再切，可以片的更薄一些）

3、莲藕切成薄片。

4、切好的莲藕不马上炒的话，最好泡在清水中，不易氧化变黑。

5、锅内倒入少许油，油热后，将生姜片、辣椒干丢进去煸出香味。

6、倒入肉片。翻炒至肉色发白。

7、下入莲藕片。

8、一勺白糖。半勺盐，快速翻炒均匀。

9、炒的时候，如果感觉有点儿干，可以稍微淋入少许清水。

10、放入黑木耳。翻炒下即可盛盘上桌

娱 - Ah Boys To Men

新电影刚上映，公司举办了员工Show Event,其实不是很想去，我的部门
没有人愿意观看这部电影，后来在老板的‘强逼‘下，大家只好乖乖就范。
这部电影的导演是梁志强，没有熟悉李国煌，阿南，辉哥参与这部电影。
故事开场来历不明的战机侵入新加坡，把象征新加坡的鱼尾狮，摩天轮，
赌场都炸毁了，新加坡民防部队开始捍卫国家。那一部场景就像世界大
战，人民被外来敌人攻击至遍体鳞伤。
其实整部电影主要描述新兵进入NS,训练和调整心态的过程。每个同事看
着电影笑声不断，娱乐笑点功夫十足。不愧是出自于梁志强的编导。
只可惜结尾不是那么完美，感觉故事交待不清楚。

呵呵，原来有Part 2

$ - Kulai Property

随着新山房产的价格日益剧增，毗邻的士乃和古来的房产也逐渐升温。
IOI和Indahpura是古来的两大发展商，主要发展单层，双层排屋和独立
式洋房。单层排屋RM200,000起跳，双层排屋RM300,000起跳，紧追新
山房产价格。

                                                                 Indahpura Ledang 3
                                                              Selling Price : RM228,800
                                                              Bedroom : 3
                                                              Bathroom : 2
                                                              Land Size : 20x70
                                                              Built Up Area : 1199sq ft

                                                          Indahpura Diamond 3
                                                          Selling Price : RM438,800
                                                          Bedroom : 4+2
                                                          Bathroom : 3
                                                          Land Size : 22x70
                                                          Built Up Area : 2351 sq ft

                                                               IOI Bandar Putra
                                                           Selling Price : RM203,310
                                                           Bedroom : 3
                                                           Bathroom : 2
                                                           Land Size : 20x75
                                                           Built Up Area : 1300sqft

                                                          IOI Bandar Putra (Semi D)
                                                          Selling Price : RM599,210
                                                          Bedroom : 4+1
                                                          Bathroom : 5
                                                          Land Size : 40x80
                                                          Built Up Area : 3473sq ft

                                                                IOI Bandar Putra
                                                           Selling Price : RM427,364
                                                           Bedroom : 5
                                                           Bathroom : 4
                                                           Land Size : 26x75
                                                           Built Up Area : 2905sq ft

IOI Lagenda Putra (Cluster)

Selling Price : RM293,310

Bedroom : 4

Bathroom : 3

Land Size : 32x65

Built Up Area : 1324 sq ft

$ - 新山房产逐步看

新山郊区普通排屋，很多已经涨到RM200,000以上；几年前，士姑来区还能买到

二十多万的双层排屋，现在同一间排屋已叫价RM400,000 到 RM600,000甚至更高，

涨幅之大，令人咋舌 

屋价高涨，其原因很多，通货膨，建材、工资、地价上扬，也是重要导因。

当然，投机炒作，外国买家介入，也是背后的第三只手。

廉价屋申请的条件非常苛刻，只有家庭总月入不超过RM2500，才有资格提出

申请。买便宜屋的时代，已经一去不复返了!

Seri Austin

Selling Price : RM 462,800

Bedroom : 4 + 1

Bathroom : 4

Land Size : 22x75

Built Up Area : 2106 sq ft

Taman Daya

Selling Price : RM698,800

Bedroom : 4+1

Bathroom : 4+1

Land Size : 36x80

Built Up Area : 2753 sq ft

Tampoi Apartment

Selling Price : RM370,800

Bedroom : 3

Bathroom : 2

Carpark : 1

Built Up Area : 1135 sq ft

Setia Eco Garden

Selling Price : RM528,000

Bedroom : 4

Bathroom : 3

Land Size : 20x70

Built Up Area : 1771sq ft

Nusa Sentral

Selling Price : RM 380,000

Bedroom : 4

Bathroom : 3

Land Size : 20x70

Built Up Area : 2123 sq ft

Kempas Indah

Selling Price : RM560,000

Bedroom : 4+1

Bathroom : 4+1

Land Size : 32x80

Built Up Area : 3124 sq ft

娱 - G Market

G Market成立于2000年，综合购物网站，Online Shop 的商品销售总值方面
排名第一，主要销售书籍、MP3、化妆品、电脑、家电、服装等，大约有40%
的网站交易额来自服装。
在这个网站有过好几次交易，有些产品是直接从原产地运输来到本国，价格也
比市场上便宜许多。
除此之外，它们也提供了许多优惠券，可以兑换成折扣券或是捐款作为慈善基金。
想要省钱的MM,这个网站有很多产品供选择。值得推荐

http://www.qoo10.my/ (For Malaysia)
http://www.qoo10.sg/  (For Singapore)
http://english.gmarket.co.kr/ (For Korea)

$ - 基本理财

1） 理财是一生的财富。对财富持之以恒的追求目标，不是为了解决眼前的燃眉之急。 
2） 理财是现金流量管理。每个人一出生就需要钱来满足自己的需求（现金流出）、也需
      要赚钱来来养活自己（现金流入）。不管现在是否有钱，每个人都需要理财。许多人
      每月的支出计划，投资计划、还贷透支行为和开源节流的行为都是在进行投资理财，
      只是你可能没有意识到。
3）理财涵盖了风险管理。未来具有不确定性，隐含各类的风险，包括人身风险、财产风险
     和市场风险，这都会影响到每个人的现金流入（收入中断风险）和现金流出（费用递增
     风险）。 
4）我们对债务必须加以管理，使其控制在一个适当的水平上，并且债务成本要尽可能降低
5）投资计划。当我们的储蓄一天天增加的时候，最迫切的就是寻找一种投资组合，能够把
      收益性、安全性和流动性三者兼得。
6）退休计划退休计划主要包括退休后的消费和其他需求及如何在不工作的情况下满足这些
      需求。必须在有工作能力时积累一笔退休基金作为补充。
7）消费和储蓄计划。你必须决定一年的收入里多少用于当前消费，多少用于储蓄。
8）保险计划。为了应付疾病和其他意外伤害，你需要医疗保险，因为住院医疗费用有可能将
     你的积蓄一扫而光。


管理好家庭经济，是维系一个家庭及过好日子的至关重要问题，因此，家庭理财是摆在每个
家庭面前不可忽视的重要课题。谈到家庭理财，有人认为我们国家不富裕，多数人的家庭收
入还不高，没有什么闲钱能省下来，哪还谈得上什么理财。这是一种不正确的看法。