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转售组屋或更有赚头　把剩余屋契卖回给政府赚养老金还划算吗？_我的网站

A |     Reports that Donald Trump may formally announce his intention to run again in 2024 as soon as some time later this month carry with them both risks and opportunities, conservative commentators and GOP donors have told Sputnik.,On Friday, The New York Times reported that the former president could announce a bid for reelection in the near future to preempt the January 6 Committee’s investigation and possible recommendations of criminal charges against him, and to steal the limelight from potential contenders, chief among them Florida Governor Ron DeSantis.,“I think if Trump announced his candidacy now, he would take some of the pressure off of the January 6 hearings…put his opponents on notice and get a very large head start,” Dan Eberhart, an Arizona-based oil executive and major GOP donor, says.,The January 6 hearings, which Trump has decried as a partisan “witch hunt” aimed at stopping him in 2024 after two failed impeachments and the collapse of the Russiagate probe, are nevertheless “damaging to Trump’s reputation,” and could “persuade centrists not to vote for him,” Eberhart thinks.,Trump Blasts January 6 Probe as Attempt to Keep Him From Seeking Reelection in 202414 June, 00:04 GMT,“The January 6 Select Committee is a political charade, the goal of which has already been determined,” Marc Little, a conservative political commentator, pastor, and California-based lawyer, says of the House investigation.,“The FBI reported there is no connection between the breach of the Capitol and President Trump. Accordingly, this partisan committee was formed with the sole intent [of being] a ‘third’ impeachment hearing against a man who proved them to be ineffective, useless politicians... Trump is a threat to the Establishment’s agenda to undermine America’s founding principles and the scam they have all played on the American people,” Little said.,Eberhart urges the Trump team to be cautious, saying an announcement too early could prove a “distraction for Republicans” campaigning in the midterms, hamper Trump’s fundraising opportunities, and tighten Federal Election Commission finance reporting requirements.,The donor recognizes, however, that an early announcement would also rally Trump's base, and “allow him to amass all the campaign consultants and political operatives he needs to keep those away from his opponents somewhat, principally Governor DeSantis”.,“I think Trump is always trying to stay in the news and be relevant. But I think that if he announces too hurriedly, it will actually limit his chances to be reelected and distract voters from the midterm elections, which are really more important for the Republicans right now,” Eberhart stresses.,Mr. Little isn’t as worried, suggesting that “to the most discerning eyes,” Trump “is already running,” and if he makes a formal announcement, it could "preempt" “the soon-to-be [released] bogus findings of the January 6 Select Committee, who doesn’t seem discouraged by using hearsay and fabricated testimony to make its case against the former president.”,Little is confident that an early announcement on Trump’s part would have “no impact on” the coming red wave in the 2022 midterms, given that “the domestic and international failures of the Biden administration” have become “too great for the Democrats to overcome.”,Donald Trump Could Be One of ‘Multiple Criminal Referrals’ by January 6 Committee, Cheney SaysYesterday, 07:54 GMT,Furthermore, Little says, an early announcement could undermine the January 6 Committee’s possible push for criminal charges against the ex-president, particularly “if the [Department of Justice’s] tradition of not indicting a presidential candidate applies to former president Trump as it did to former secretary of state Hillary Clinton.”,In the summer of 2016, the DoJ closed its criminal probe into Mrs. Clinton over her potentially illegal use of a private server during her tenure as Barack Obama’s secretary of state, with the FBI similarly recommending no criminal charges and slapping Mrs. Clinton on the wrist by accusing her of being “extremely careless” by using the server. The FBI reopened its probe after discovering new emails in October 2016, but no criminal charges were issues. In 2019, a State Department probe concluded that 38 people were “culpable” of mishandling classified information by sending it to Clinton’s server, but no punishments were meted out.,“It is important for the former president to use his clout to strengthen the party and its chances to regain a majority in both the House and Senate,” Little believes. “Trump has extraordinary support among Americans. His support wanes among politicians in his own party and among the big donor class who prefer a statesman and an even-tempered leader. Those who hold such thoughts and desires don’t fully appreciate the signs of the times and the intentional rot of American exceptionalism by the left in America and by those abroad. President Trump is the only proven obstacle to these pernicious forces,” the observer concludes.,President Biden’s approval ratings have hit unprecedented lows comparable only to those of George W. Bush in recent weeks amid growing concerns about inflation, food and gas prices, international crises, and recession fears.,With Biden’s Approval Rating Tanking, Most Americans Don’t Want POTUS to Run in 2024, Polls Show1 July, 20:27 GMT,Last week, a Harvard CAPS-Harris Poll survey found that some 71 percent of Americans don’t want Biden to seek a second term, citing his record and age. The same poll found that 61 percent don’t want to see Trump attempt a return to the White House in 2024, with critics characterizing him as "too erratic", divisive, or responsible for the January 6, 2021 Capitol mayhem.,Last month, a Yahoo News/YouGov poll found that Trump had secured a slim lead over Biden in a hypothetical 2024 matchup, with 44 percent of registered voters ready to cast their ballots for the business mogul compared with 42 percent who said they would vote for Biden against Trump.。    本地组屋屋契回购计划近年来一直处于不温不火的状态。（联合早报）胥视你如何看待组屋在新加坡，如果要用组屋来套现，一般人第一直觉相信都会是把组屋转售。然而，实际上还有一种稍微冷门的以屋套现途径——屋契回购计划（Lease Buyback Scheme）。这是政府自2009年以来推出的计划，主要目的是为了让本地年长者通过将组屋部分屋契回售给建屋局，以补充退休收入。要参加屋契回购计划必须符合以下条件：65岁以上；必须至少有一名屋主是新加坡公民；不能同时拥有第二间房产；已达最低居住年限（MOP）。参加屋契回购计划者可选择要将多少年的屋契卖回给建屋局，并根据自身年龄和需求保留15年至35年不等的屋契，前提是剩余的屋契年限足够让屋主住到至少95岁。屋契回购的收入将被用来填补屋主的公积金退休户头及购买公积金终身入息计划（CPF LIFE），剩余款项会以现金形式交给屋主，屋主另外还能获得介于7500新元到3万新元的现金花红。屋主参与屋契回购计划的收益将存入公积金退休户头和用以购买公积金终身入息计划。（海峡时报）是投资还是安家？只不过，近来本地组屋转售市场非常火烫，当局最近甚至因此又宣布了新的房市降温措施。此时此景，难免令人质疑，把屋契卖回给建屋局，真的划算吗？直接把组屋丢到转售市场上卖，会不会比较有赚头？首先，这取决于你对组屋抱着何种心态。是把组屋视为投资，还是当成想要在此终老的家？对于打算“原地终老”的国人来说，屋契回购计划有一定吸引力。据亚洲新闻台报道，新加坡政策研究所（IPS）副所长余国安分析指出，如果个人将组屋视为打算终老的住所，那无论组屋转售价格好不好，其实也压根不必考虑是否要在公开市场上转售组屋。“因为一旦我把组屋卖掉，我就再也不能住在里头了。”相反的，将部分屋契年限卖给建屋局，则能确保屋主既能继续住在原有的组屋，又能用组屋套现，换取一些养老金，提升退休生活品质。

B | 纵使转售市场如今火热，市场的未来恐怕没人说得准，参加屋契回购计划也能让屋主未来不必担心房价波动，亦不用操心房价会随屋契年限越来越少而下滑。如何看待组屋，是参与屋契回购计划与否的重要考量。

C | （联合早报）此外，对年长者来说，要搬离已经住惯的老街坊并非易事，除了找新房子要经历一番折腾，新环境往往也需要一些时间适应，说起来大概就是一种“住生不如住熟”的感觉。还有一些观点则认为，屋契回购计划和在公开市场转售孰优孰劣，视乎房型大小，毕竟这牵涉到转售组屋的交易费用会否过多影响屋主的获利空间。新加坡社科大学商学院副教授沈清祥指出，对住在较新和较大组屋的年长者来说，在公开市场转售组屋可能会获得较大收益，因为过程中的交易费用相对来说所占比例较小。

D | “不过，对住在较老和较小组屋的年长者而言，（转售组屋衍生的）直接或间接交易费用可能并不值得。”因此，对房型较小的屋主来说，屋契回购计划就有其优势。屋契回购计划的初衷是为了让年长者能获得更多养老金。（联合早报）组屋作为遗产的观念依然普遍无论如何，撇开屋契回购计划的各种利弊，影响该计划热度的最大因素恐怕还是人们的观念。根据建屋局最新数据，截至今年6月30日，本地参与屋契回购计划的住户共达1万2656个。过去五年，每年参与的家庭保持在约1680户，反应可谓不温不火。追根究底，这或许还是与许多新加坡人，尤其是老一辈想把房子作为遗产留给下一代的观念有关。从房型来看，有53%参与屋契回购计划的住户住在三房式或更小的组屋单位，33%住在四房式组屋，住在五房式或更大单位的住户则仅有14%。

E | 较大组屋单位的屋主可能和子孙住在一起，而这些屋主也可能会更倾向把组屋交由后代传承，因此较大房型住户较少参与屋契回购计划的趋势，或许也侧面印证了这种观念依然普及。

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