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willisow Master	11-Sep-2016 14:16        willisow About Contact  Quote this Post!
x 0   x 0  Alert Admin	don' t worry, i got confident in you... famouspinky      ( Date: 11-Sep-2016 13:49) Posted: I happened to read about super economics tutor. Like that also boleh? I'm more interested to have new patented ideaa by myself although I can't earn as much as him. Hmm. I'm jealous. willisow      ( Date: 11-Sep-2016 13:44) Posted: Yeah...famouspinky is my idol :p
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willisow Master	11-Sep-2016 14:13        willisow About Contact  Quote this Post!
x 0   x 0  Alert Admin	no choice lah, can save, save...money hard to earn :p now i promoted myself, no more calafare..i have fans club ok...don' t play play :p   Hei123      ( Date: 11-Sep-2016 14:04) Posted: Don' t worry, uncle!   If I like uncles , I' m gay!  N my conservative family will disown me. U have performance   cells in you? Then don' t do it at home la.  Show the world! My friend traded his trading of shares to be a calafare at MediaCorp . I can introduce u to him. Then u do such calafare jobs in Sg to sustain your living here in Sg . So u can come back from prc. Your standard of living so high u need to go to prc to trade. I find very funny. willisow      ( Date: 11-Sep-2016 13:11) Posted: Haha..u must b thinking I' m a woman, I' m an " uncle" with a lot of white hair :) n if u r a woman u will definitely not b interested in me becos in prc I always go to those street stall (大 排 当 ） n eat. Prc gal see me also no appetite bcos I always wear old n tattered cloth (some r torn) n when they see me eating at the street stall they know I got no money :) once a street stall owner asked, sporean are very rich y u come here to eat n I said sporean are rich but I' m poor :) I have lots of performance cells in me, doing cat walk, opening concert at home are activities I always do, just that I dare not do it in front of others becos I don' t want to let them see how ugly I' m :p last time I ever asked my boss whether can I go media corp act part time mayb like dead corp, servant n etc but she said cannot becos it will affect the bank image...haha...
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Hei123 Senior	11-Sep-2016 14:04        Hei123 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Don' t worry, uncle!   If I like uncles , I' m gay!  N my conservative family will disown me. U have performance   cells in you? Then don' t do it at home la.  Show the world! My friend traded his trading of shares to be a calafare at MediaCorp . I can introduce u to him. Then u do such calafare jobs in Sg to sustain your living here in Sg . So u can come back from prc. Your standard of living so high u need to go to prc to trade. I find very funny. willisow      ( Date: 11-Sep-2016 13:11) Posted: Haha..u must b thinking I' m a woman, I' m an " uncle" with a lot of white hair :) n if u r a woman u will definitely not b interested in me becos in prc I always go to those street stall (大 排 当 ） n eat. Prc gal see me also no appetite bcos I always wear old n tattered cloth (some r torn) n when they see me eating at the street stall they know I got no money :) once a street stall owner asked, sporean are very rich y u come here to eat n I said sporean are rich but I' m poor :) I have lots of performance cells in me, doing cat walk, opening concert at home are activities I always do, just that I dare not do it in front of others becos I don' t want to let them see how ugly I' m :p last time I ever asked my boss whether can I go media corp act part time mayb like dead corp, servant n etc but she said cannot becos it will affect the bank image...haha...   Hei123      ( Date: 10-Sep-2016 23:22) Posted: 2 types of people wear sunglasses at home - one group is those who did lasik or other eye op another group is those who r social misfit. What for catwalk at home ? Nobody sees! Willisow, how to tell the gender of a forumer ,pls? Besides greetings from some forumer , I cannot tell if someone is male or female. Like my name Hei, is neither a male or female name, how do u tell a? I  It' s a qn I wanted to ask the first time I' m here.
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famouspinky Supreme	11-Sep-2016 13:49        famouspinky About Contact  Quote this Post!
x 0   x 0  Alert Admin	I happened to read about super economics tutor. Like that also boleh? I'm more interested to have new patented ideaa by myself although I can't earn as much as him. Hmm. I'm jealous. willisow      ( Date: 11-Sep-2016 13:44) Posted: Yeah...famouspinky is my idol :p   Hei123      ( Date: 11-Sep-2016 13:38) Posted: Hi famouspinky, I think, hor , u r someone who hardly made mistake. Today, I m so happy I spotted your mistake ! U have a spelling error- make " hay" .  Lol
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famouspinky Supreme	11-Sep-2016 13:45        famouspinky About Contact  Quote this Post!
x 0   x 0  Alert Admin	It's one off. Growth is important in any business. Now is only sustain. Hei123      ( Date: 11-Sep-2016 13:43) Posted: Hi, Qanghoo,   I agree too.  Although new loan may decrease , banks will earn more from existing customers Qanghoo      ( Date: 11-Sep-2016 09:53) Posted: As far as I know, a rising interest-rate environment is usually a +ve for DBS.
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willisow Master	11-Sep-2016 13:44        willisow About Contact  Quote this Post!
x 0   x 0  Alert Admin	Yeah...famouspinky is my idol :p   Hei123      ( Date: 11-Sep-2016 13:38) Posted: Hi famouspinky, I think, hor , u r someone who hardly made mistake. Today, I m so happy I spotted your mistake ! U have a spelling error- make " hay" .  Lol famouspinky      ( Date: 10-Sep-2016 23:27) Posted: Make hei when the sun is out? Lo
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famouspinky Supreme	11-Sep-2016 13:43        famouspinky About Contact  Quote this Post!
x 0   x 0  Alert Admin	Difficult to do business in China friend. willisow      ( Date: 11-Sep-2016 13:11) Posted: Haha..u must b thinking I' m a woman, I' m an " uncle" with a lot of white hair :) n if u r a woman u will definitely not b interested in me becos in prc I always go to those street stall (大 排 当 ） n eat. Prc gal see me also no appetite bcos I always wear old n tattered cloth (some r torn) n when they see me eating at the street stall they know I got no money :) once a street stall owner asked, sporean are very rich y u come here to eat n I said sporean are rich but I' m poor :) I have lots of performance cells in me, doing cat walk, opening concert at home are activities I always do, just that I dare not do it in front of others becos I don' t want to let them see how ugly I' m :p last time I ever asked my boss whether can I go media corp act part time mayb like dead corp, servant n etc but she said cannot becos it will affect the bank image...haha...   Hei123      ( Date: 10-Sep-2016 23:22) Posted: 2 types of people wear sunglasses at home - one group is those who did lasik or other eye op another group is those who r social misfit. What for catwalk at home ? Nobody sees! Willisow, how to tell the gender of a forumer ,pls? Besides greetings from some forumer , I cannot tell if someone is male or female. Like my name Hei, is neither a male or female name, how do u tell a? I  It' s a qn I wanted to ask the first time I' m here.
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Hei123 Senior	11-Sep-2016 13:43        Hei123 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Hi, Qanghoo,   I agree too.  Although new loan may decrease , banks will earn more from existing customers Qanghoo      ( Date: 11-Sep-2016 09:53) Posted: As far as I know, a rising interest-rate environment is usually a +ve for DBS.
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Hei123 Senior	11-Sep-2016 13:38        Hei123 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Hi famouspinky, I think, hor , u r someone who hardly made mistake. Today, I m so happy I spotted your mistake ! U have a spelling error- make " hay" .  Lol famouspinky      ( Date: 10-Sep-2016 23:27) Posted: Make hei when the sun is out? Lol Hei123      ( Date: 10-Sep-2016 23:04) Posted: Haha , so exact your figure.   I just want to make sure it' s not $120k. Thank you for your sharing. Well my unit trust journey was so bad. In 2012/13, I had a US blue chip fund , n I tot I should at least make a little profit n wanted to sell . But I found that I only recovered my cost, n that is after like 12 years, which meant I still lost another 25% for the silly management fees.   So , of course , I didn' t sell n I switched the US fund to a Asian blue chip n bond fund.   N I still holding this. It was bad so I just want to sweep it under the carpet! I like your mentor story a lot. Now I think for me I only want to concentrate on dividend yield stocks. I like your mentor story a lot.
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famouspinky Supreme	11-Sep-2016 13:38        famouspinky About Contact  Quote this Post!
x 0   x 0  Alert Admin	Lots of fire sales and businesss going belly up friend. investshare      ( Date: 11-Sep-2016 09:44) Posted: Interest rate for some loans are floated, i.e. Sibor plus a spread. In that sense, the borrower should have factored in already the impact of increase rate. Hopefully this will cushion the impact. Still it is possible that a huge knee jerk impact that storm the overall market.
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Hei123 Senior	11-Sep-2016 13:32        Hei123 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Yes , Long time never see such movement in DJI. I' m relishing it. Can' t wait for Tuesday. Immortal      ( Date: 11-Sep-2016 13:22) Posted: 3 Fed folks speaking on Monday and see how Dow will react to it.....then from Monday Dow action, see if I want to sell or hold on
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Immortal Master	11-Sep-2016 13:22        Immortal About Contact  Quote this Post!
x 0   x 0  Alert Admin	3 Fed folks speaking on Monday and see how Dow will react to it.....then from Monday Dow action, see if I want to sell or hold on
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willisow Master	11-Sep-2016 13:11        willisow About Contact  Quote this Post!
x 0   x 0  Alert Admin	Haha..u must b thinking I' m a woman, I' m an " uncle" with a lot of white hair :) n if u r a woman u will definitely not b interested in me becos in prc I always go to those street stall (大 排 当 ） n eat. Prc gal see me also no appetite bcos I always wear old n tattered cloth (some r torn) n when they see me eating at the street stall they know I got no money :) once a street stall owner asked, sporean are very rich y u come here to eat n I said sporean are rich but I' m poor :) I have lots of performance cells in me, doing cat walk, opening concert at home are activities I always do, just that I dare not do it in front of others becos I don' t want to let them see how ugly I' m :p last time I ever asked my boss whether can I go media corp act part time mayb like dead corp, servant n etc but she said cannot becos it will affect the bank image...haha...   Hei123      ( Date: 10-Sep-2016 23:22) Posted: 2 types of people wear sunglasses at home - one group is those who did lasik or other eye op another group is those who r social misfit. What for catwalk at home ? Nobody sees! Willisow, how to tell the gender of a forumer ,pls? Besides greetings from some forumer , I cannot tell if someone is male or female. Like my name Hei, is neither a male or female name, how do u tell a? I  It' s a qn I wanted to ask the first time I' m here. willisow      ( Date: 09-Sep-2016 17:03) Posted: Alright pal, In that case let join me, wear a sunglass at home n do cat walk while waiting for the DBS valuation to materialise. Pretty woman walking down the street............. :)
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Qanghoo Supreme	11-Sep-2016 13:00        Qanghoo About Contact  Quote this Post!
x 0   x 0  Alert Admin	The President has said he will veto the bill.  So, it will not become law.  ysh2006      ( Date: 10-Sep-2016 22:24) Posted: Willis Heard from news US is going to pass a bill to allow their citizen who were vitim of 911to make claim from 911 supporting country like Saudi Arabia....what you think of US bond market reaction ? and will this affect DBS ?... willisow      ( Date: 10-Sep-2016 16:29) Posted: Hi pal,  I would prefer to be informal, u can call me Willis without mr if u want :) I certainly agreed with u if myself equipped with the ability to time the mkt..if I can do that I would have retired long ago but unfortunately I can' t. Stock mkt in the short run are irrational becos there r thousands if not millions of investor interpreting the same piece of information everyday. Everyone has their own thought, this can b verified by reading all the posts in sj thus it is not possible to identify the net outcome to the stock price movement. As I said before a rate hike can be seen as negative to stock mkt becos it exert pressure on valuation on the other hand ppl can interpret that the economy is doing well with robust demand, strong employment with high disposable income that send company earnings to parties.  Hence focusing our effort on the stock price movement does not yield consistent result, we may be few times right in our prediction n that' s give high job satisfaction but once we r wrong we will face devastating effect. Just like those who bought M1 at a height of sgd4, everyone of them felt they have time the right purchase otherwise they won' t got in but in reality it' s valuation was only at sgd2 plus n we should only buy at a margin below its valuation. Hence it will b a painful outcome for being wrong being experienced by them.  However those who insisted to time their purchase I respect their decision becos they have every liberty to do what they want. Thank you :)
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willisow Master	11-Sep-2016 12:56        willisow About Contact  Quote this Post!
x 0   x 0  Alert Admin	你 懂 得 (u will know) :p   ysh2006      ( Date: 10-Sep-2016 21:31) Posted: Is it SATS you hint over value har... willisow      ( Date: 10-Sep-2016 19:09) Posted: Hi Bunny, Just for sharing, in addition to what I have mentioned for M1, a hint to u. There is a sg company, providing space for airplane to land n take off is currently way overvalue. It just waiting for a catalyst to burst its bubble n it will repeat the history of m1..hope u did not invest in this company.. All the best n good luck :)
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willisow Master	11-Sep-2016 12:53        willisow About Contact  Quote this Post!
x 0   x 0  Alert Admin	Hey buddy, Thanks for sharing the latest news with me bcos in prc the communist scanned all the news before releasing to the public. When I quote those contents from the news reported locally, prc will tell me to only believe the time n dated reported n nothing else..quite hilarious :)  Coming back to your question, honestly I have no idea what are the impact that are going to affect the bond n stock mkt. I can share with u on info directly related to DBS but i cant give u my projection on the impact on dbs due to macro factors, politic, war, natural disaster n etc becos they are topics/subjects that beyond my own knowledge..hope my answer didn' t disappoint u :) Thank you...   ysh2006      ( Date: 10-Sep-2016 22:24) Posted: Willis Heard from news US is going to pass a bill to allow their citizen who were vitim of 911to make claim from 911 supporting country like Saudi Arabia....what you think of US bond market reaction ? and will this affect DBS ?... willisow      ( Date: 10-Sep-2016 16:29) Posted: Hi pal,  I would prefer to be informal, u can call me Willis without mr if u want :) I certainly agreed with u if myself equipped with the ability to time the mkt..if I can do that I would have retired long ago but unfortunately I can' t. Stock mkt in the short run are irrational becos there r thousands if not millions of investor interpreting the same piece of information everyday. Everyone has their own thought, this can b verified by reading all the posts in sj thus it is not possible to identify the net outcome to the stock price movement. As I said before a rate hike can be seen as negative to stock mkt becos it exert pressure on valuation on the other hand ppl can interpret that the economy is doing well with robust demand, strong employment with high disposable income that send company earnings to parties.  Hence focusing our effort on the stock price movement does not yield consistent result, we may be few times right in our prediction n that' s give high job satisfaction but once we r wrong we will face devastating effect. Just like those who bought M1 at a height of sgd4, everyone of them felt they have time the right purchase otherwise they won' t got in but in reality it' s valuation was only at sgd2 plus n we should only buy at a margin below its valuation. Hence it will b a painful outcome for being wrong being experienced by them.  However those who insisted to time their purchase I respect their decision becos they have every liberty to do what they want. Thank you :)
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Qanghoo Supreme	11-Sep-2016 09:53        Qanghoo About Contact  Quote this Post!
x 0   x 0  Alert Admin	As far as I know, a rising interest-rate environment is usually a +ve for DBS.
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investshare Supreme	11-Sep-2016 09:44        investshare About Contact  Quote this Post!
x 0   x 0  Alert Admin	Interest rate for some loans are floated, i.e. Sibor plus a spread. In that sense, the borrower should have factored in already the impact of increase rate. Hopefully this will cushion the impact. Still it is possible that a huge knee jerk impact that storm the overall market.
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famouspinky Supreme	10-Sep-2016 23:27        famouspinky About Contact  Quote this Post!
x 0   x 0  Alert Admin	Make hei when the sun is out? Lol Hei123      ( Date: 10-Sep-2016 23:04) Posted: Haha , so exact your figure.   I just want to make sure it' s not $120k. Thank you for your sharing. Well my unit trust journey was so bad. In 2012/13, I had a US blue chip fund , n I tot I should at least make a little profit n wanted to sell . But I found that I only recovered my cost, n that is after like 12 years, which meant I still lost another 25% for the silly management fees.   So , of course , I didn' t sell n I switched the US fund to a Asian blue chip n bond fund.   N I still holding this. It was bad so I just want to sweep it under the carpet! I like your mentor story a lot. Now I think for me I only want to concentrate on dividend yield stocks. I like your mentor story a lot.  sun233      ( Date: 09-Sep-2016 16:36) Posted: Yes 235036.22. But at one pont it was as low as 43K. Heart pain at that time. I was posted to Amsterdam for 5 years and never checked until i came back. Had a nice surprise when i saw that the amount went up to 118K. Was going to cashout but waited and checked monthly statements online. Finally cashed out paid up for my condo( own it outright now).  You should receive a yearly report which tells you what the fund buys and what rating it has. Mine after it recovered when up monthly especially during the subprime crisis. Actually if i had held on it would have been higher but i' m glad that i did not lose but gained. Good Luck. Maybe if you see that it is not performing you should move it to another fund. Always check what is the expense ratio. I would not buy etf now especially when i believe we are on the cusps of another crisis. Stocks better. Swing trade now not buy for long term. Save cash and wait for next market correction like my mentor did. He paid $73008.88 for 50k shares and sold them away and made 3.8 million.
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Hei123 Senior	10-Sep-2016 23:22        Hei123 About Contact  Quote this Post!
x 0   x 0  Alert Admin	2 types of people wear sunglasses at home - one group is those who did lasik or other eye op another group is those who r social misfit. What for catwalk at home ? Nobody sees! Willisow, how to tell the gender of a forumer ,pls? Besides greetings from some forumer , I cannot tell if someone is male or female. Like my name Hei, is neither a male or female name, how do u tell a? I  It' s a qn I wanted to ask the first time I' m here. willisow      ( Date: 09-Sep-2016 17:03) Posted: Alright pal, In that case let join me, wear a sunglass at home n do cat walk while waiting for the DBS valuation to materialise. Pretty woman walking down the street............. :)  Hei123      ( Date: 09-Sep-2016 16:05) Posted: Hi willisow I' m fine. N I' m cool. I don' t have to try. How cool can I be to tell the whole world that I only see 3 numbers in the FR? I tot that was most uncool! Last time i bot the unit trusts because I have zero knowledge of investments and it was my friend who sold me. Now, well ETF is good, but I still prefer DBS, Singtel , Comfort n Singpost.
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