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“我，26岁，给新加坡前总统当过保镖，现在小贩中心卖粥~”_我的网站

A |     Major housing industry groups voiced "profound concern" in a letter this week urging the Federal Reserve to stop raising interest rates.The rare public admonishment from top business advocates -- including the National Association of Realtors and the National Association of Home Builders -- underscores a dramatic slowdown in the housing market due in large part to rising interest rates.The letter arrives roughly three weeks before the Fed plans to make its latest rate-hike decision.Mortgage rates have reached their highest level in more than two decades and they have continued to rise. Data released on Thursday showed that mortgage rates increased for the fifth consecutive week, according to Freddie Mac."The speed and magnitude of these [mortgage] rate increases, and resulting dislocation in our industry, is painful and unprecedented," the letter from the housing groups said.Here's what to know about why real estate groups called on the Fed to stop raising rates:

What's happening in the housing market?

Sky-high mortgage rates have dramatically slowed the housing market, since homebuyers have balked at stiff borrowing costs and home sellers have opted to stay on mortgages that lock them into relatively low rates.Mortgage applications have fallen to their lowest level since 1996, the Mortgage Brokers Association said earlier this month.Sales of previously owned homes, meanwhile, have plummeted more than 15% compared to a year ago, the National Association of Realtors found in August.The slowdown has coincided with a sharp rise in costs for potential homebuyers.The average interest rate for a 30-year fixed mortgage has climbed to nearly 7.6%, Freddie Mac data shows.When the Fed initiated the rise of bond yields with its first rate hike of the current series in March 2022, the average 30-year fixed mortgage stood at just 4.45%.Each percentage point increase in a mortgage rate can add thousands or tens of thousands in additional costs each year, depending on the price of the house, according to Rocket Mortgage.

What role is the Federal Reserve playing in the housing market slowdown?

An aggressive series of interest rate hikes at the Federal Reserve since last year has pushed up the 10-year Treasury yield, which loosely tracks with long-term mortgage rates.The Fed has fought elevated inflation with borrowing cost increases as it tries to slash price hikes by slowing the economy and choking off demand.While inflation has fallen significantly from a peak of about 9% last summer, price increases remain more than a percentage point higher than the Fed's inflation target.Price increases held steady in September, fresh data on Thursday showed, suggesting that elevated inflation remains resistant to the interest rate hikes.The persistence of elevated inflation has prompted the Fed to espouse a policy of holding interest rates at high levels for a prolonged period, which in turn has increased the 10-year Treasury yield and put upward pressure on mortgage rates.Moreover, the Fed expects to raise rates one more time this year, according to projections released last month.Speaking at a press conference in Washington, D.C., last month, Fed Chair Jerome Powell acknowledged the continued effect of interest rates on mortgages, noting that activity in the housing market "remains well below levels of a year ago, largely reflecting higher mortgage rates."

What do the housing industry groups want the Fed to do?

Housing industry advocates want the Fed to take swift actions that reassure investors and other market participants of an end to the policies cooling the industry.Most notably, the industry groups want the central bank to release a statement saying that it has abandoned consideration of additional rate hikes.In their letter to Fed officials, the housing groups cautioned that a further slowdown in real estate could help tip the U.S. economy into a recession, scuttling the central bank's effort to achieve a "soft landing.""We urge the Fed to take these simple steps to ensure that this sector does not precipitate the hard landing the Fed has tried so hard to avoid," the letter said.。    从警察学校毕业的女孩成为总统的保镖这在普通人眼里已经相当厉害了！然而26岁的她为了圆梦毅然辞去保镖工作转行去小贩中心卖粥！和家人们在档口（图片来源：8World 新闻网 曾琬瑜）之前也有一对银行工作的年轻夫妻辞去银行高薪白领的工作转行去巴刹卖猪肉图片来源：8World 新闻网新加坡人为什么都这么“任性”？让我们来了解一下他们都是怎么想的吧！父母建议毕业先工作5年26岁前总统哈莉玛的女保镖林慧仪为了圆梦，在三个月前毅然辞去工作，转行去了小贩中心卖粥。林慧仪自小跟着当小贩的父母在摊位帮忙，对她而言，追随父母的脚步成为一名小贩似乎是个顺理成章的选择。摆摊帮助父母她在21岁时曾在父母的摊位帮忙。

B | 2018年，她从淡马锡理工学院毕业后，便告诉父母她想接手他们的生意，但是父母却建议她先从事其他工作至少五年，再决定是否要全身心投入小贩行业。加入警察部队她听从父母的建议，2019年加入警察部队，实现她另一个儿时的梦想：成为一名警察。她加入警队的五年里，有四年任职总统保镖，负责保护新加坡总统。林慧仪担任前总统哈莉玛的保镖（图片来源：Instagram/zulkarnain）在警队获选成为总统保镖值得一提的是，在同批的大约20名受训学员中，林慧仪是唯一一位成功通过三轮严格选拔，成为保镖学员。随后，她接受了进一步的三个月专业训练，学习战斗、射击和执行任务的技能。她也曾担任尚达曼总统和夫人珍一藤木的保安官员长达六个月。

C | 林慧仪说当总统保镖的福利之一是能随总统出国工作。在五年的任职期间，林慧仪有几次难忘的经历，其中包括在2022年，陪同当时任新加坡总统的哈莉玛前往英国参加伊丽莎白女王的葬礼，以及出席许多有名人政要参与的大型活动。尚达曼总统和夫人珍一藤木上个月到林慧仪的摊位喝粥（图片来源：8World 新闻网）比起当保镖更爱当小贩当保镖不能笑吗？林慧仪表示，工作时一定要保持专业，所以会看起来都比较严肃。“我也不是故意不笑，微笑是允许的，但要看场合。例如如果总统出行，有安娣不小心碰到总统，我还是会友善地阻止她。”她说，她最怀念的就是射击训练，因为她非常享受瞄准和扣动扳机的过程。

D | 当保镖的经验也有助她在发生突发事件时迅速反应，找出解决办法。虽她在警队表现出色，但为了追求当小贩的梦想，林慧仪毅然选择“弃枪卖粥”，在今年5月离开警察部队，接手父母分别在淡滨尼天地和One Punggol小贩中心开设的“Botak港式粥品”摊位。“我一直都很喜欢人与人之间的互动，特别是我们顾客很多都成为朋友，佳节期间还会送我们礼物，有安哥还包红包给我，特别亲切。

E | ”图片来源：8World 新闻网 曾琬瑜林慧仪说离开警察部队并不是一件容易的决定，但尚达曼总统的夫人珍一藤木一直鼓励和支持她，让她下定决心接手父母生意。

F | 她的父母也一直支持她的选择。她的父亲61岁的吴育源说，他希望女儿能有更好的生活，不要她太辛苦。“保镖的工作确实稳定、前景和福利也好，但是她说自己想清楚了。

G | 我们很高兴我们的生意有了接班人，也尊重她的决定，未来会继续给予她指导。” 林慧仪煮粥时全神贯注，她自小就到父母摊位帮忙，所以煮粥对她来说得心应手。（图片来源：8World 新闻网 曾琬瑜）当小贩吃力不讨好却乐在其中林慧仪说，在政府部门当保镖的福利确实不错，是五天工作制。

H | 但当小贩需要一个星期工作六天，个人时间较少。当小贩最辛苦的不是下厨，而是事前的准备工作繁多，例如得进货和点货。“有一次我忘记跟供应商点白米，结果那天不够米煮粥，最后得让爸爸跟供应商说，因为他们交情好，才给我们临时送米。” 林慧仪的父亲吴育源在一旁教女儿（图片来源：8World 新闻网 曾琬瑜）林慧仪说回首过去五年当保镖的经验，林慧仪说，她仍会怀念但既然做了转行的决定就不会后悔。“现在是时候全心投入打理好父母的生意。而且，我是独生女。如果我不接手，还有谁能接手呢？”真是个孝顺的好孩子！那么我们再来看看这对从银行辞职改行买猪肉的小夫妻是怎么想的吧！这对30多岁的夫妻档——洪敬智和陈乐颐，放弃银行工作，转而在巴刹卖猪肉。 很多人直呼“他们疯了吗？” 先别急，让我们一探究竟，看看他们是如何玩转这门生意的！从银行职员到猪肉贩图片来源：8World 新闻网 34岁的洪敬智是猪肉小贩第三代，他从小偶尔会到爷爷和爸爸的摊位帮忙。

I | 2018年洪父在巴刹卖猪肉时突发心脏病离世。为了帮助母亲，洪敬智与妻子陈乐颐决定辞掉星展银行的工作。三个月前，他们在宏茂桥自立门户，开了一家名叫“SG小鲜肉”的新档口。图片来源：8World 新闻网在此之前，陈乐颐和洪敬智拥有大学和理工学院的文凭，并在银行有稳定的工作。但他们认为，在巴刹当小贩也没什么不好。两人在银行工作时，虽然工作时间较短且环境舒适，但精神压力很大。而在巴刹工作则更为充实，但每天凌晨3点就要起床，晚上6、7点收摊回家。图片来源：8World 新闻网他们表示，虽然猪肉生意辛苦，但这是属于自己的事业，更有成就感。

J | 陈乐颐说：“在银行，是打工的，收入固定。

K | 而在这里，我们自己的生意，时间更灵活。”这份工作也让陈乐颐更能兼顾妈妈的身份，她可以在孩子生病时灵活安排时间，不必请假。二从不懂到精通图片来源：8World 新闻网 沈思宇初入巴刹时，洪敬智和陈乐颐也遇到了不少困难。

L | 由于缺乏经验，他们曾被顾客骗过价格。陈乐颐打趣道“有时候顾客说是这个价钱，他就答应了，后来才发现算少了钱。”现在他们已经学会使用计算器算价钱，确保收钱正确。而她也从开始的不熟练，到砍肉技术娴熟，受到顾客夸赞。图片来源：8World 新闻网 蔡佑霞如今，他们已经能够独当一面。档口的肉新鲜，小夫妻动作爽利，态度友善，开业三个月就收获一批忠实顾客，建立了自己的“sg小鲜肉”顾客群。开拓网购生意和社交媒体图片来源：Instagram洪敬智作为猪肉贩卖的第三代，但他并不希望这一行当在下一代消失。为了适应现代消费趋势，小夫妻积极开拓网购生意，希望更多人了解并支持湿巴刹的传统生意。洪敬智说“我不希望大家以后都去超市，巴刹有它的好处，希望大家不要遗忘湿巴刹的生意。

M | ”图片来源：Facebook因此，他们利用社交媒体平台—Facebook和Instagram来推广生意，分享每天的新鲜猪肉和优惠信息，为传统生意注入活力，吸引了很多年轻消费者。SG小鲜肉“SG小鲜肉”，展示了新加坡年轻人如何在传统与现代之间找到平衡，让传统行业焕发出了新的生命力，创造出属于他们的成功故事。看了这些年轻人的故事我好像明白了他们的想法那么你们怎么看呢？。

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