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Shampain Veteran	08-Jan-2018 15:26        Shampain About Contact  Quote this Post!
x 0   x 0  Alert Admin	All volume low low. Can kun. no action
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chillipadi Elite	08-Jan-2018 09:55        chillipadi About Contact  Quote this Post!   Yells: "Everything is temporary."
x 0   x 0  Alert Admin	3.62... you finally arrive...! lets go higher ya!
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wavehunter Supreme	08-Jan-2018 09:43        wavehunter About Contact  Quote this Post!   Yells: "Trade what you see, not what you hope to see."
x 0   x 0  Alert Admin	Good to see the Bulls take control of Hill 3.61 from the start. What we need to see next is reinforcements arriving by the droves  to pile up on the BUY queue. Only then can the Bull Army starts to tickle the bears at 3.62 by throwing stones at them.
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Shampain Veteran	08-Jan-2018 09:27        Shampain About Contact  Quote this Post!
x 0   x 0  Alert Admin	ah tel chiong ar
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halleluyah Supreme	08-Jan-2018 09:10        halleluyah About Contact  Quote this Post!
x 0   x 0  Alert Admin	happi hour haven over lah...cheers !!!...huat arhhhh ah tel..... wavehunter      ( Date: 08-Jan-2018 08:46) Posted: Sis Halleluyah and Bro Mike... You two no need to sleep one ar? Or izzit you two are separately running some 24-hr outlet somewhere out there? Supermart? Petrol Station? 7-Eleven? Teh Tarik + Prata ?
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wavehunter Supreme	08-Jan-2018 08:46        wavehunter About Contact  Quote this Post!   Yells: "Trade what you see, not what you hope to see."
x 0   x 0  Alert Admin	Sis Halleluyah and Bro Mike... You two no need to sleep one ar? Or izzit you two are separately running some 24-hr outlet somewhere out there? Supermart? Petrol Station? 7-Eleven? Teh Tarik + Prata ?
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halleluyah Supreme	08-Jan-2018 08:02        halleluyah About Contact  Quote this Post!
x 0   x 0  Alert Admin	Seow liao lah...general wave giving away so much $$...come $$$ come....hosei liao... wavehunter      ( Date: 07-Jan-2018 16:18) Posted: Chill, bro Sun. Chill. He was referring to me. But got himself confused when he was too worked out and with a broad sweep of his broom, you got roped in. Sorry for that. What amazes me is how little sense of humour some people have. Truly amazing. Shake head. But we move on. And Happy Trading to you. May you HUAT Ka Siow.    sun233      ( Date: 07-Jan-2018 13:46) Posted: What talking you? You asked I told. For a person to ask about dividends you obviously do not know where to access info. You are on your own from here on.........
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sun233 Elite	08-Jan-2018 07:31        sun233 About Contact  Quote this Post!
x 0   x 0  Alert Admin	LOL  wavehunter      ( Date: 07-Jan-2018 16:18) Posted: Chill, bro Sun. Chill. He was referring to me. But got himself confused when he was too worked out and with a broad sweep of his broom, you got roped in. Sorry for that. What amazes me is how little sense of humour some people have. Truly amazing. Shake head. But we move on. And Happy Trading to you. May you HUAT Ka Siow.    sun233      ( Date: 07-Jan-2018 13:46) Posted: What talking you? You asked I told. For a person to ask about dividends you obviously do not know where to access info. You are on your own from here on.........
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MichaelSchenker Master	08-Jan-2018 04:05        MichaelSchenker About Contact  Quote this Post!
x 0   x 0  Alert Admin	Yes, I have this structured deposit (with Prudential) not much, just about 20k, for 6 years, I think. And they cover you for certain illness or death (cant remember the details).  Some years ago, I have this Titan account with DBS, tied up for 6 years, interest not fixed, and eventually nothing comes out of it after 6 years other than the attractive first time interest. There are many in the market, call them or just walk in, they are keen to explain to you in details.   halleluyah      ( Date: 08-Jan-2018 02:25) Posted: Agak the principal n yield is nt guarantee since its high risk high return type. Structured deposit is safe as the principal n yield r guaranteed bt yield is only ard 2% or slightly higher/p.a n lock in 5/6yrs. Place some. FATABA      ( Date: 08-Jan-2018 00:05) Posted: Very sorry at even $700x12 mths ( $8400 ) base on 190 k invested with them for a year ( assume ) is 4.4% Important is the details ?  ( what ganrantee , what product, ? Principle assumed ? Sorry ...certain or possible return ? ) ANyway u hv 2 yrs of succes ( v good) ...but cant mean it will continue for sure.....nearly many funds gain for the past few years and if 4.4% is very low actually .  Dbs and exp foreign banks all hv this investment products....BUT BE VERY VERY CAREFUL OF WHAT IT IS . Just a bell here. ( no offence to any one
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MichaelSchenker Master	08-Jan-2018 03:16        MichaelSchenker About Contact  Quote this Post!
x 0   x 0  Alert Admin	I think, I have mentioned before, principal not guaranteed, unlike FD. Besides monthly interest, there is also yearly dividend. Good for investors who are not very good with the stock market. Do not put all your eggs in one basket.  I Guess I may have spoken too much, and I may have missed out on certain important details, speak to the bank for the finer details. I am not selling the product. FATABA      ( Date: 08-Jan-2018 00:05) Posted: Very sorry at even $700x12 mths ( $8400 ) base on 190 k invested with them for a year ( assume ) is 4.4% Important is the details ?  ( what ganrantee , what product, ? Principle assumed ? Sorry ...certain or possible return ? ) ANyway u hv 2 yrs of succes ( v good) ...but cant mean it will continue for sure.....nearly many funds gain for the past few years and if 4.4% is very low actually .  Dbs and exp foreign banks all hv this investment products....BUT BE VERY VERY CAREFUL OF WHAT IT IS . Just a bell here. ( no offence to any one ) MichaelSchenker      ( Date: 07-Jan-2018 21:27) Posted: It is affirmative, I know because I am in since 2 years ago. In fact, now my principal sum already appreciated, besides the regular monthly interest and year end dividend. Just call UOB, tell them your intention to know more about it and they will rush a relations Manager to meet up with you. Of course no obligations. In fact, for 200k they will accord you Wealth Banking status which you get priorities over normal banking customers. They will also assigned you a Relation Manager to handle your portfolio.  Best is speak to UOB to understand more. If it is not true, please come back here to tell me off, or expose me as a liar.
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halleluyah Supreme	08-Jan-2018 02:25        halleluyah About Contact  Quote this Post!
x 0   x 0  Alert Admin	Agak the principal n yield is nt guarantee since its high risk high return type. Structured deposit is safe as the principal n yield r guaranteed bt yield is only ard 2% or slightly higher/p.a n lock in 5/6yrs. Place some. FATABA      ( Date: 08-Jan-2018 00:05) Posted: Very sorry at even $700x12 mths ( $8400 ) base on 190 k invested with them for a year ( assume ) is 4.4% Important is the details ?  ( what ganrantee , what product, ? Principle assumed ? Sorry ...certain or possible return ? ) ANyway u hv 2 yrs of succes ( v good) ...but cant mean it will continue for sure.....nearly many funds gain for the past few years and if 4.4% is very low actually .  Dbs and exp foreign banks all hv this investment products....BUT BE VERY VERY CAREFUL OF WHAT IT IS . Just a bell here. ( no offence to any one ) MichaelSchenker      ( Date: 07-Jan-2018 21:27) Posted: It is affirmative, I know because I am in since 2 years ago. In fact, now my principal sum already appreciated, besides the regular monthly interest and year end dividend. Just call UOB, tell them your intention to know more about it and they will rush a relations Manager to meet up with you. Of course no obligations. In fact, for 200k they will accord you Wealth Banking status which you get priorities over normal banking customers. They will also assigned you a Relation Manager to handle your portfolio.  Best is speak to UOB to understand more. If it is not true, please come back here to tell me off, or expose me as a liar.
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FATABA Supreme	08-Jan-2018 00:05        FATABA About Contact  Quote this Post! Style: Combined   Mood:
x 0   x 0  Alert Admin	Very sorry at even $700x12 mths ( $8400 ) base on 190 k invested with them for a year ( assume ) is 4.4% Important is the details ?  ( what ganrantee , what product, ? Principle assumed ? Sorry ...certain or possible return ? ) ANyway u hv 2 yrs of succes ( v good) ...but cant mean it will continue for sure.....nearly many funds gain for the past few years and if 4.4% is very low actually .  Dbs and exp foreign banks all hv this investment products....BUT BE VERY VERY CAREFUL OF WHAT IT IS . Just a bell here. ( no offence to any one ) MichaelSchenker      ( Date: 07-Jan-2018 21:27) Posted: It is affirmative, I know because I am in since 2 years ago. In fact, now my principal sum already appreciated, besides the regular monthly interest and year end dividend. Just call UOB, tell them your intention to know more about it and they will rush a relations Manager to meet up with you. Of course no obligations. In fact, for 200k they will accord you Wealth Banking status which you get priorities over normal banking customers. They will also assigned you a Relation Manager to handle your portfolio.  Best is speak to UOB to understand more. If it is not true, please come back here to tell me off, or expose me as a liar.     Jarret      ( Date: 07-Jan-2018 20:48) Posted: Find it difficult to believe this fund can yield a $700 to $800 per month from the invested $190,000! If really got any investment scheme that yields $700 monthly from the invested $190,000, will procee
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MichaelSchenker Master	07-Jan-2018 21:48        MichaelSchenker About Contact  Quote this Post!
x 0   x 0  Alert Admin	I suggest we move our non-SingTel related topics out of here to another general thread. Apologies to SingTel forum readers!
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MichaelSchenker Master	07-Jan-2018 21:42        MichaelSchenker About Contact  Quote this Post!
x 0   x 0  Alert Admin	Bro Wave, in order to maximise returns, forget about buying new projects as it will take you 2 to 3 years before TOP. Resale is the way to go if you want to rent out. Just a cursory browse thru the properties on sale and I noted Bayshore Park studios going for about $600k+ depending on floor level. Good to rent to expats singles, especially those working in the CBD not too far away. Future MRT coming up in Marine Parade too. If its to be rented out, you dont need new furniture or too heavily renovated. Most important is the toilets and bathrooms must be clean without any smell. Aircon must be working. Lights can be fixed easily.  But now, try not to consider doing AirBnB, Govt may ban it anytime. The only deterrent is the ABSD, which stands at 7% for 2nd property, 10% for 3rd property. As for Bank finance, best is to talk to the banks. Many factors including age, credit ratings will determine if they want to help you. wavehunter      ( Date: 07-Jan-2018 17:39) Posted: Bro Mike, $190k wont be enough to finance the purchase of a good easy-to-rent property. Such a property will have to be at least 1000 sq ft and in a good location. Meaning the price will be around $1400 per sq ft. That' s $1.4m. You need to put down 20% as downpayment. That' s $280k. The 1st 5% must be in cash. The balance 15% can be cash/CPF. Then there' s legal fees and stamp fees. Another $40k for a $1.4m property. And after that, to make your property rentable, you have to renovate it and put in furniture and electrical appliances. That' s another $20k to $100k depending on how old the property is. Taking a bank loan of 80% to finance the property purchase means very likely, all the rental will go towards mortgage repayment. So no rental income into your pocket for 20 to 30 years until the loan is repaid. If your loan is say 30% to 50%, you can have some rental income. But this is taxable based on personal income tax brackets. Being a landlord comes with it the hassle of dealing with a demanding and unreasonable tenant, if you happen to land yourself with one. You will be busy entertaining his demands and getting your blood pressure up trying to reason with him. The tenant can keep  calling you and you will have no peace until you settle his demand. If you no hew the tenant, he will stop paying the rental to force you to give him your attention. If the property is old, you may have other infrastructure headaches to deal with such as a burst water pipe or gas pipe, a leaking sewage pipe, water leakage from the roof or from the unit above, frequent power outages resulting in tripping of the electrical system, recurrence of  cracked floor or wall tiles or falling wall tiles... etc. And the worst problem of all which may be in addition to the problems descrbed above, you also have a tenant who is never on time  with his rental and every month, he plays a hide and seek game with you. This is the type of tenant who will refuse to have a GIRO arrangement with you and who will have a ton of reasons why they cannot have GIRO. They will say they will send you a cheque or you go down to collect cheque or cash when they call you. But they dont send the cheque nor call you. You have to call them. But  they dont take your calls. Or drag their feet. Believe me, your blood pressure will rise and maybe become permanently high. More so if you are counting on the rental to pay your mortgage loan.  For me, there is an easier way to be a landlord but without having to put up so much cash nor to take a bank loan of more than a million dollars and without all the hassle and frustration and high blood pressure of being a landlord. And I still get to collect rental income monthly, quarterly or yearly. How? Simple. Invest in REITs.  Which one? Ascendas REIT. Suntec REIT. CapitaComm Trust. CapitaMall Trust. These 4 are more than enough.    MichaelSchenker      ( Date: 07-Jan-2018 10:54) Posted: I am sure you would agree high gain means high risks. Thats the biggest difference. And surely you would not put all the eggs in one basket. FD is principal sum assured, stocks obviously not, you may gain or lose. And I guess I dont need to tell you more, assuming you should have already known. As for SingTel, since its IPO almost 30 years ago, it rarely goes above $4, but its a good dividend stock, consistent and stable. It is also the biggest cap in our local market. Quite a safe investment, if you ask me.  If if you are not very good with stocks, unit trust or other investment funds may be a good alternative. For 190k, for example, JP Morgan Global Income yields about $700 to $800 per month, not inclusive of the annual dividend. Check with UOB if you need more info.  Another consideration is to speak to a bank to see if your 190k is enough to finance a property for rental income.
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MichaelSchenker Master	07-Jan-2018 21:27        MichaelSchenker About Contact  Quote this Post!
x 0   x 0  Alert Admin	It is affirmative, I know because I am in since 2 years ago. In fact, now my principal sum already appreciated, besides the regular monthly interest and year end dividend. Just call UOB, tell them your intention to know more about it and they will rush a relations Manager to meet up with you. Of course no obligations. In fact, for 200k they will accord you Wealth Banking status which you get priorities over normal banking customers. They will also assigned you a Relation Manager to handle your portfolio.  Best is speak to UOB to understand more. If it is not true, please come back here to tell me off, or expose me as a liar.     Jarret      ( Date: 07-Jan-2018 20:48) Posted: Find it difficult to believe this fund can yield a $700 to $800 per month from the invested $190,000! If really got any investment scheme that yields $700 monthly from the invested $190,000, will proceed Jarret      ( Date: 07-Jan-2018 20:07) Posted: Is it only UOB have this JP MORGAN GLOBAL INCOME and What are the downside risks to my $190,000 if I invest my 190K in this fund??
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Jarret Member	07-Jan-2018 20:48        Jarret About Contact  Quote this Post!
x 0   x 0  Alert Admin	Find it difficult to believe this fund can yield a $700 to $800 per month from the invested $190,000! If really got any investment scheme that yields $700 monthly from the invested $190,000, will proceed Jarret      ( Date: 07-Jan-2018 20:07) Posted: Is it only UOB have this JP MORGAN GLOBAL INCOME and What are the downside risks to my $190,000 if I invest my 190K in this fund??! MichaelSchenker      ( Date: 07-Jan-2018 10:54) Posted: I am sure you would agree high gain means high risks. Thats the biggest difference. And surely you would not put all the eggs in one basket. FD is principal sum assured, stocks obviously not, you may gain or lose. And I guess I dont need to tell you more, assuming you should have already known. As for SingTel, since its IPO almost 30 years ago, it rarely goes above $4, but its a good dividend stock, consistent and stable. It is also the biggest cap in our local market. Quite a safe investment, if you ask me.  If if you are not very good with stocks, unit trust or other investment funds may be a good alternative. For 190k, for example, JP Morgan Global Income yields about $700 to $800 per month, not inclusive of the annual dividend. Check with UOB if you need more info.  Another consideration is to speak to a bank to see if your 190k is enough to finance a property for rental income.
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Jarret Member	07-Jan-2018 20:26        Jarret About Contact  Quote this Post!
x 0   x 0  Alert Admin	you are dead wrong! In order to get a more suitable suggestion for my case, of course I must reveal my true financial situation that is I have $202,000 cash in my bank account which I' m only willing to invest $190,000 and I' m single in my 30s and my house is fully-paid up with no housing loan. If I don' t provide my real situation, then other forumers won' t know is it I want to invest $20,000 or is it want to invest $1 miillion or is it have a few additional mouths to feed or is single, and they will not be able to give a suitable suggestion that is tailored to my actual situation. This forum is annoymous. Nobody knows another person' s real address or handphone number or NRIC number hence guranteed will not be dangerous! upupnup      ( Date: 07-Jan-2018 08:01) Posted: This is a public space and I dont suggest you disclose your personal wealth here. Yoi can ask for opinions but make your own decision. Even Analysts differ in opinion, let alone the novice here. Never put all your wealth in stocks, keep some in safe deposits. if you are young, 50/50, if your are a retiree, 80/20, 80% in safe deposit. Jarret      ( Date: 06-Jan-2018 17:45) Posted: I have $190,000 cash capital. I' m actually ok with a 5% dividend yield becos already much higher the highest FD Bank rate of 1.3%. Wonder should I allocate say $150,000 of my this $190,000 capital by buying 40 lots of Singtel at current $3.60 or not??! 40lots ofsingtel should be around $150,000. But I saw from the historical chart that recently was it 2016 or 2015, Singtel got drop to $3.40. Hence wonder is this $3.60 a very good price to buy 40 lots to invest or not??!
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Jarret Member	07-Jan-2018 20:07        Jarret About Contact  Quote this Post!
x 0   x 0  Alert Admin	Is it only UOB have this JP MORGAN GLOBAL INCOME and What are the downside risks to my $190,000 if I invest my 190K in this fund??! MichaelSchenker      ( Date: 07-Jan-2018 10:54) Posted: I am sure you would agree high gain means high risks. Thats the biggest difference. And surely you would not put all the eggs in one basket. FD is principal sum assured, stocks obviously not, you may gain or lose. And I guess I dont need to tell you more, assuming you should have already known. As for SingTel, since its IPO almost 30 years ago, it rarely goes above $4, but its a good dividend stock, consistent and stable. It is also the biggest cap in our local market. Quite a safe investment, if you ask me.  If if you are not very good with stocks, unit trust or other investment funds may be a good alternative. For 190k, for example, JP Morgan Global Income yields about $700 to $800 per month, not inclusive of the annual dividend. Check with UOB if you need more info.  Another consideration is to speak to a bank to see if your 190k is enough to finance a property for rental income.   Jarret      ( Date: 06-Jan-2018 17:45) Posted: I have $190,000 cash capital. I' m actually ok with a 5% dividend yield becos already much higher the highest FD Bank rate of 1.3%. Wonder should I allocate say $150,000 of my this $190,000 capital by buying 40 lots of Singtel at current $3.60 or not??! 40lots ofsingtel should be around $150,000. But I saw from the historical chart that recently was it 2016 or 2015, Singtel got drop to $3.40. Hence wonder is this $3.60 a very good price to buy 40 lots to invest or not??!
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Jarret Member	07-Jan-2018 20:02        Jarret About Contact  Quote this Post!
x 0   x 1  Alert Admin	Both you sun233 and that wavehunter are both crazy retarded clowns. wavehunter      ( Date: 07-Jan-2018 16:18) Posted: Chill, bro Sun. Chill. He was referring to me. But got himself confused when he was too worked out and with a broad sweep of his broom, you got roped in. Sorry for that. What amazes me is how little sense of humour some people have. Truly amazing. Shake head. But we move on. And Happy Trading to you. May you HUAT Ka Siow.    sun233      ( Date: 07-Jan-2018 13:46) Posted: What talking you? You asked I told. For a person to ask about dividends you obviously do not know where to access info. You are on your own from here on.........
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wavehunter Supreme	07-Jan-2018 17:39        wavehunter About Contact  Quote this Post!   Yells: "Trade what you see, not what you hope to see."
x 0   x 0  Alert Admin	Bro Mike, $190k wont be enough to finance the purchase of a good easy-to-rent property. Such a property will have to be at least 1000 sq ft and in a good location. Meaning the price will be around $1400 per sq ft. That' s $1.4m. You need to put down 20% as downpayment. That' s $280k. The 1st 5% must be in cash. The balance 15% can be cash/CPF. Then there' s legal fees and stamp fees. Another $40k for a $1.4m property. And after that, to make your property rentable, you have to renovate it and put in furniture and electrical appliances. That' s another $20k to $100k depending on how old the property is. Taking a bank loan of 80% to finance the property purchase means very likely, all the rental will go towards mortgage repayment. So no rental income into your pocket for 20 to 30 years until the loan is repaid. If your loan is say 30% to 50%, you can have some rental income. But this is taxable based on personal income tax brackets. Being a landlord comes with it the hassle of dealing with a demanding and unreasonable tenant, if you happen to land yourself with one. You will be busy entertaining his demands and getting your blood pressure up trying to reason with him. The tenant can keep  calling you and you will have no peace until you settle his demand. If you no hew the tenant, he will stop paying the rental to force you to give him your attention. If the property is old, you may have other infrastructure headaches to deal with such as a burst water pipe or gas pipe, a leaking sewage pipe, water leakage from the roof or from the unit above, frequent power outages resulting in tripping of the electrical system, recurrence of  cracked floor or wall tiles or falling wall tiles... etc. And the worst problem of all which may be in addition to the problems descrbed above, you also have a tenant who is never on time  with his rental and every month, he plays a hide and seek game with you. This is the type of tenant who will refuse to have a GIRO arrangement with you and who will have a ton of reasons why they cannot have GIRO. They will say they will send you a cheque or you go down to collect cheque or cash when they call you. But they dont send the cheque nor call you. You have to call them. But  they dont take your calls. Or drag their feet. Believe me, your blood pressure will rise and maybe become permanently high. More so if you are counting on the rental to pay your mortgage loan.  For me, there is an easier way to be a landlord but without having to put up so much cash nor to take a bank loan of more than a million dollars and without all the hassle and frustration and high blood pressure of being a landlord. And I still get to collect rental income monthly, quarterly or yearly. How? Simple. Invest in REITs.  Which one? Ascendas REIT. Suntec REIT. CapitaComm Trust. CapitaMall Trust. These 4 are more than enough.    MichaelSchenker      ( Date: 07-Jan-2018 10:54) Posted: I am sure you would agree high gain means high risks. Thats the biggest difference. And surely you would not put all the eggs in one basket. FD is principal sum assured, stocks obviously not, you may gain or lose. And I guess I dont need to tell you more, assuming you should have already known. As for SingTel, since its IPO almost 30 years ago, it rarely goes above $4, but its a good dividend stock, consistent and stable. It is also the biggest cap in our local market. Quite a safe investment, if you ask me.  If if you are not very good with stocks, unit trust or other investment funds may be a good alternative. For 190k, for example, JP Morgan Global Income yields about $700 to $800 per month, not inclusive of the annual dividend. Check with UOB if you need more info.  Another consideration is to speak to a bank to see if your 190k is enough to finance a property for rental income.   Jarret      ( Date: 06-Jan-2018 17:45) Posted: I have $190,000 cash capital. I' m actually ok with a 5% dividend yield becos already much higher the highest FD Bank rate of 1.3%. Wonder should I allocate say $150,000 of my this $190,000 capital by buying 40 lots of Singtel at current $3.60 or not??! 40lots ofsingtel should be around $150,000. But I saw from the historical chart that recently was it 2016 or 2015, Singtel got drop to $3.40. Hence wonder is this $3.60 a very good price to buy 40 lots to invest or not??!
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