On weekends I don't visit JB because of the traffic snarl. It is a waste of my life since time is part of our life which whatever money saved cannot retrieve back the moment lost in huge traffic jam.  I visit during weekdays once a month to eat my favourite dishes with different taste and flavour and to do massage which is definitely less costly than in Singapore.  I dislike driving in, fear of the jam and fear of window smashing and accident which is hard to resolve n claims difficulty. End results could be troublesome if it happens.  Hence I don't do groceries and don't pump petrol.  Clothings purchase are not extremely cheaper though, so are food in restaurants unless you eat coffee shops or stalls. Dim Sum however could be cheaper if you venture beyond KSL.  So

$Tiger Brokers(TIGR)$ Stock trading is inherently more stressful than stock investment. For the former your aim is to make quick money, need constant monitoring n feel extremely depressed when market turns against you. I have learnt to hollow out my heart whenever I seize opportunity to trade with spare cash, win very happy, lose not feeling sad, since I was prepared for any outcome. I don't trade big sum, but I invest big sum for long term, more to obtain dividends to pay bills.  Know your personality. If you are the type that is extremely risk adverse and feel depressed easily, best not to enter stock market. There are other  risk free ways to make decent returns. Most beginners tend to lose some money, but you gain more confiden

CDC voucher is an excellent way to help citizen bear the brunt of higher costs on basic and essential goods and services. It's better than outright cash, which may be spent on lottery or toto or outside the country. Increasing domestic consumption promote a healthy economy. Subsidies or rebates on utilities and transport serve its objective well.  Top up medisave is indeed a v wise strategy in helping young n old cope with rising medical and hospital expenses and premium. Holistic care is excellent approach. Citizens can help themselves to cut down by looking for cheaper alternatives n spending on needs and not wants. My personal opinion only.

Eggciting event @Kiyosumi @Mike Owen @GasGasGas @BrenT @JC888 I won  5 dollars yayy

Most tends to see Sing post as a mail or letter delivery organisation.  This is its origin as a postal service. Today it is not. It offers services to e-commerce and related services. A new CEO and a team of new management staff may be able to develop new strategies and vision to transform the business, like Starbucks and locally like Comfort Delgro from a taxi company to an international transport entity. Sing Post may be a global logistics players with a new management team. I am optimistic about this organisation once a new CEO is hired to lead it with a new vision. Its share price will rise. Just a personal perspective only.  I may be proven wrong.

Singpost : buy or wait,? The recent parcel gate scandal may raise a question or buying it sell the share if you have it. Bystanders will wait for the issue to be settled. The answers depend on what's your investment objectives. Some may strike while iron is hot. Buy the stock when others are fearful.  This group hopes that prices will rise at least as much as it has fallen.  Others fear that prices will drop further hence they quickly dispose what they are holding, to cut losses. The third group will wait, if the price falls further, they may say luckily I didn't enter the market, or sigh if the price went up further, telling friends that fear has stopped them from buying when it drops by about 10 %. I invest for long term but occasionally when the shares of certain company fall

$ComfortDelGro(C52.SI)$ This may be a dull stock but it is giving good dividends. It's no longer a taxi image company but a global transportation business. Prospect is bright for the patient investor. 

Market noises refer to violent stock prices fluctuations in a volatile market. It occurs more in a turbulent macroeconomic situations.  All market players have emotions. One way to deal with market noises is to control our emotions, detach ourselves from looking at market on a daily basis. This can be achieved if we know the reasons for being in the market. If we are investing for long term gains, patience is much needed. Our investment goal will trump over our emotion.  To me, market noises reflect share prices volatility rather than risk. Understanding the risk reward ratios of the shares we have bought will help us ignore market noises. We may even buy more shares of company that are undervalued, good fundamental, strong balance sheet, and wait for the pot of gold when volatil

First n foremost, I would like to extend my heartiest congratulations to Tiger Brokers on its 8th anniversary. May it grows from strength to strength.  I would like to offer some tips to obtain tiger coins. First and easier is to complete Daily Mission each day. I do it almost every day to get about 70 coins, sometime more. Second participate in Tiger special organised community events, which are fun and exciting, utilising our skills and talents. Third, participate to predict market directions or certain stock movements. Fourth, you can win coins in voting games. Fifth, join daily discussion or contribute your views in the platform, not only getting coins but learn invaluable tips and ideas on investing, though do your own due diligence too.  Favourite Tigers coins redemption -

$Grab Holdings(GRAB)$  , is a stock to invest now? Analyst reported that grab is cutting cost, seen as a move towards profitability (Straits Times December 19 2022). If I have $5000, I may hesitate to buy Grab despite its bold aim to break even in second half 2024. I would probably buy T bills or place in Fixed Deposits in the meantime. I will start reviewing the possibility of my investment in Grab in early 2024 when its profitability target is clearer. Right now, my confidence in Grab is not high given the following factors.  One, it is still not making money, which is against my principle of share investment.  Second its share prices have fallen from a high of some $13 to its cuurent low of around $ 3 plus. Third, it faces c

$COMFORTDELGRO CORPORATION LTD(C52.SI)$ It is at a low price range. For many weeks it is trading at range bound, ready to break out. Serious long term investors may see this as an opportunity to accumulate. This is a resilient stock that can weather quite well the macroeconomic situation.  It's dividends payout is reasonable. In the mid term, the stock seems a laggard but come Christmas, new year and Chinese new year, pax ridership could see an increase, contributing to higher revenue.   I see hope in this stock in first quarter 2023. An Ang Pau waiting at the corner.  Just an opinion. Not investing advice. Best wishes. 

There is no best way to invest and little chance to capture the peak in a rising interest situation.  With inflation unabated, FED will continue to raise interest rates, and stock market will be affected in a negative fashion.  For me, I will review and rebalance my portfolio. Move out of reits with high debts if it is making decent returns to avoid going into red since high gearing will affect DPU. Second, bottom fishing for value stock with strong fundamental and large moat, if they have fallen near 52 weeks. Accumulate along the way to reap capital gains. Third, look beyond stocks. Invest in Singapore Saving bonds (SSB) and Treasury Bills from government. These offer up to a range of 3.5 pc to over 4 pc in recent months. Don't forget Tiger United Fixed Maturity Bond

FED will still raise the hike. It will be 75 basis point in Nov as inflation is high, hovering at around 8 %. It will continue to hike interest rates until inflation is tamed. That's how I view the rate hike in Nov 22.  

$SATS LTD.(S58.SI)$ I am bullish on this stock for the longer term, perhaps in a year or two. At the moment, I am not. I am bearish as there is no certainty how the new acquisition of the European Cargo ground handling will immediately benefit SATS in terms of more profits. Larger and bigger may mean more expenses.Until clearer picture emerges, I will give this stock a miss in the short term as a long investors looking for dividend and capital growth. Best wishes till then. Just sharing my views, not for investment advice. 

Most investors believe that bank stocks are good to buy now because of rising net income interests due to higher Fed rates. Hence they are bullish. I do not disagree with such a view. However there are other factors affecting banking businesses. Macroeconomic environment needs to be considered. If there is a serious recession, businesses will reduce demand for loans. Consumers will also reduce demand for loans, especially car loan given high COE quantum now. Loan non performance will increase due to more loan defaults and lesser demand. Inflationary pressure will eat up a larger portion of disposable income. Consumer will also reduce discretionionary purchase, hence lesser borrowing. Banks in Singapore are strong in balance sheets and could weather the uncertain macroeconomi

$Grab Holdings(GRAB)$Grab is a company I am bearish at the moment. It has yet to turn profitable. Its share prices has fallen from 52-Week high of 17.15 to its current price of 2.75.Delivery demand of grab services is likely to be less with covid 19 relaxation, more people eating out, ride hailing services may not fully recovered with hybrid working and with inflation affecting discretionary services With no dividends payout, loss making status, and challenging business and macroeconomic environment, I will stay away from Grab until it is certain that it has managed a turnaround on a path to profitability. This is just my personal view only. Not an investment advice. Best wishes 

The five stages of grief is a simplistic psychological framework to describe investors'sentiments in general.Not everyone goes through each stage as described. Some could be angry if they buy a certain shares due to hearsay, others could be frustrated if they continue to DCA and share price keep droppings. People could also resigned to the fate that they accepted the losses made in a bear market. They felt that nothing could be done in the meantime. Making losses and reaping profits is part and parcel of investing or trading in a stock market. If one has used spare cash to enter the market, and have been through many past market cycles, then one is probably riding the ups and downs steadily, knowing that the pot of gold is waiting when the rainbow appears. The five stages is a th

Buy high sell low means FOMO. Entry price is important. Buy to reap profits, not to try your luck. Preparation, do our homework before any purchase. Patience is more important in a volatile market. Volatility is best time for trading, akin to gambling. Company fundamentals should guide investors, not traders, in stock purchase, so that you can assure that the stock will eventually rise in the long term. Buy high only hurts when you don't have holding power and force to sell low. Buy high hurts more if the company is making losses and may take years to turn from red to green. Buy high hurts the most if you keep DCA down, and the share price keep going down and down, with little chance to average the price. And you sell either losing hope or lack of holding power.&nb