S. M. A. R. T. Investing with TSK

Gold has 8-Year Cycle? One source said Gold has a 8-Year Cycle: 3 years up + 5 years down = 8-Year Cycle History of Lows: 1982, 1990, 1998, 2006 and 2014? History of Lows: 1985, 1993, 2001 and 2009? History of Highs: 1980, 1988, 1996, 2004 and 2012? However, Gold has been on an uptrend for the last 7 years since 2001. Is the cycle broken? Or will Gold still bottom in 2009? I shall wait and see. If it does bottom in 2009, then maybe time to buy? Hmm.. I will do more research on GOLD, I sure hope to strike GOLD!

The Coming Global Stag-Deflation? "In London last Thursday, Dr Doom predicted that hundreds of hedge funds will go bust and stock markets may soon have to shut – perhaps for as long as a week – in order to stem the panic selling now sweeping the world. What happened? The next day trading was briefly stopped in New York and Moscow." Dr Doom (Nouriel Roubini), a New York University economics professor who predicted the financial crisis in 2006, talked to Bloomberg on October 27, 2008. What does Dr Doom think is going to happen next? I fear the worst is yet to come ; 2 years of severe recession, not priced into market yet ; Significant downside risk for equities in US and Globally ; Stocks will fall sharply and go sideways ; Downside risk for commodities of 20% ; Risk of global stag-deflation (stagnation/recession plus deflation) . Seems he is very accurate in his predictions, other than timing. So be patient hor, dun catch the falling knives, dun try to call bottom. Dun be bra

Now that I know the 3 Stock Market Jinx and the 10-Year Stock Market Cycle , I should be able to Beat the Stock Market. Right? How? 1. Enter the Stock Market in '2' or '3' ended Year, when market usually bottom out. (Stock Market Jinx # 3) 2. Exit the Stock Market from August through October of the '7' ended Year, when market usually top out and market panics or crash usually occur. ( Stock Market Jinx #1 and Stock Market Jinx #2 ) 3. Between exit from '7' ended Year to Year ending in '2', just trade short term, long or short. Stock Market Forecast Next 8 Years Hmm.. considering the 3 Stock Market Jinx , my Forecast for Next 8 Years should be quite reliable lor - Position for next bull market run to start in 2014 – that is after '3' ended Year, also pretty close to MM Lee's prediction of 3-5 years for recovery Then must remember to get out by 2017 hor! So remember hor, when to buy and hold, when should sell and fold! Tools needed

October 27 Weekly Update - Stock Market Forecast Fengshui : Market continue to be weak, except for 31 Oct Astrology : Market still bearish Technical Analysis : US indices – rapid decline likely, might break 7000. Wednesday, the Fed’s FOMC is widely expected to cut the key federal funds rate another half point. Thursday, GDP data for the third quarter is expected to show the US economy contracted for the first time in seven years, ending months of speculation that the economy had managed to skirt recession. Are we going back to 1929 to watch the 1929 Stock Market Crash Replay ?

Some experts who study the 10-Year stock market cycle also notice that US stock market usually bottoms in a year ending in '2'. Another source said their study show '3' is the Jinx. Be it '2' or '3', remember the 3 Stock Market Jinx! Then we can plan to Beat the Stock Market! How to Beat the 3 Stock Market Jinx? Read Stock Market Jinx #1 , Stock Market Jinx #2

A Replay of 1929 Stock Market Crash? Global Markets Crash on Friday, October 24 2008 – the 79th anniversary of the 1929 Stock Market Crash! In 1929, the stock market crash started on October 24, followed by Black Monday and Tuesday. The series of events as follows: Oct 10 Autumn High Oct 24 Start of Crash Oct 28 Black Monday Oct 29 Black Tuesday Oct 30 Rebound Nov 6 Major Falls Nov 13 Post Crash Low Will a replay of 1929 Stock Market Crash events continue in October/November 2008? My intuition – likely! Why? Fengshui no good for October 2008 which ends on Nov 7! Water extremely strong, kills the Fire in the Stock Market! November 2008? Water is still the key element! Today is a holiday in Singapore. Let's watch Dow tonight, and the rest of the Global Markets. Lookout for my October 27 Weekly Update – Stock Market Forecast tomorrow. Lookout for the November 2008 Forecast next week.

Jeremy Grantham, GMO, just issued Part 2 of 3Q2008 Letter to clients, titled Silver Linings and Lessons Learned. Key points of interest to me: World faces unavoidable declines in economic activity and profit margins Downturn likely to rival 1982 or worse in US, almost everywhere it is likely to be much longer downturn than normal Assets are cheap, likely to get cheaper History says a 50% + overrun on downside is norm after equity bubbles S&P 500 likely to bottom out 600-800 range within next 2 years Will we see S&P 500 at those levels in the next few weeks, if replay of 1929 Stock Market Crash occurs?

Recovery in 3 to 5 Years? "My own guess is if the banking system does not malfunction, then in 3, 4, 5 years, the world economy will be restored. If the banking system malfunctions, then I don't know, it will be a very difficult business. Now, let's assume it is 3 to 5 years, that's an optimistic scenario.....” Minister Mentor Lee Kuan Yew , made the above comments when asked about the region's economic prospects at a dialogue at the Singapore Human Capital Summit on Friday, October 24, 2008, as reported in the Straits Times yesterday. Hmm.... that's very close to my Stock Market Forecast for Next 8 Years ?

What did you notice in Stock Market Jinx # 1 ? Yes, the “7” Jinx. Markets usually peak in years ending in 7, followed by major panics and falls. Besides the list in Stock Market Jinx # 1 , there are more major panics and falls in years ending in 7 but does not fall in October month. It occurs in almost every 10 year cycle! What is Stock Market Jinx # 3?

October Panic! Black October! For more than 200 years, some crisis or panics usually occur in the month of October. Here is the list of 13 identified: Oct 25, 1799 Oct 23, 1847 Oct 14, 1857 Oct 12, 1897 Oct 19, 1903 Oct 22, 1907 Oct 08, 1927 Oct 29, 1929 Oct 18, 1937 Oct 19, 1987 Oct 13, 1989 Oct 27, 1997 Oct 10, 2008 So, when the next October comes, I must be careful. Check, check, check. Check the Fengshui for October to make sure it is safe. Otherwise, get out! Can you guess what is the Stock Market Jinx # 2 from the above?

In Chinese, the word “Crisis” is written in 2 characters. The 2 characters sound like “Danger Opportunity”. So ang mohs pun on the chinese characters, saying "Crisis = Danger + Opportunity”. So, the difference between Crisis and Opportunity is: "Crisis” – Opportunity = “Danger + Opportunity” – Opportunity = Danger! Ha ha ha, as I mentioned in yesterday's article, we are still in the Danger zone. Be careful. Hope you like this article. Enjoy your long weekend ahead! Remember, coming Monday October 27 is a public holiday in Singapore, not Tuesday! Happy Deepavali to all!

What's the difference between Crisis and Opportunity? The critical difference is - are you prepared? Are you aware of the possible future developments of the economics, business and stock market; Can you see the changes coming; Can you see opportunities or dangers ahead. How much is a view of the future worth? A warning of possible changes or dangers coming enables me to prepare, while I still have the opportunity and time to act; Helps me find investment opportunities; Helps me ride the waves of change to preserve and grow my wealth/investments. How to have a reliable view of the future? Understand economic and stock market cycles; Use reliable tools and techniques to spot trends and changes. I found my tools – The Joseph Cycle , Fengshui and S.M.A.R.T. List ! My secret ingredient of success - My Crystal Ball! For now, we are still on the 'danger' side, but charting my path to make money from the 'opportunity' . Be Patient. Patience is Golden!

Yes, at Kopi Tiam Food Court! Enjoy 10% discount on all makan if I pay using the Kopi Tiam cashless card. Every Sunday, at least for past 2, Kopi Tiam Plaza Singapura gives away food vouchers advertised in Sunday Times. So we were there last Sunday to enjoy 1-for-1 Ice Kachang. What's more, we get it at 10% discount! Two Sundays ago, we enjoyed the 1-for-1 Chendol. Ha ha, all my mum's favourite! Save money!

On Sunday, we were at Starhub, Plaza Singapura to help my brother-in-law cut his telephone bill. Outside, Maybank was holding a roadshow. Signup for Maybank credit card, get $100 credited to the card on first spend and enjoy 10-years fee waiver. Wow! Money drop from the sky, catch it! What's more, submit CPF statement online on-the-spot, then play the computer "one-arm bandit" and win free gifts! Wow! My sister won a complimentary Swensen's ice-cream sundae voucher, while my brother-in-law and sister won a complimentary Swensen's Cappucino drink voucher each. Who say's there is no free lunch! Oops, free $$$!

October 20 Weekly Update - Stock Market Forecast Fengshui : Monday likely to decline, rest of week struggles Astrology : Volatility continues Technical Analysis : US indices – volatile, likely decline later week, target 7500 or lower next few weeks. My BMI indicates 1800 , remember this is a dynamic indicator. (BMI closed at 1780 end of day)

Black October Month Strikes Again. Can it kill the Bear this time? According to a group of retail traders, if October Dow is Down, then November Dow will probably be Up. They based their conclusion on historical data from 1994 to 2007. They are planning to buy. Maybe this was a reason some value investors bought, but maybe caught the falling knives instead? Hmm.. I dun think we can just rely on historical data of that period to conclude. We should look at data from Bear Markets. Ha ha, guess what? Based on historical data from 1900 to 1990, when October was Down, November was also likely to be Down. Here is a sample from Major Bear Markets I've done: 1929 Oct -69, Nov -35 1932 Oct -10, Nov -5 1937 Oct -18, Nov -8 1941 Oct -9, Nov -3 1987 Oct -403, Nov -160 "History is a guide, but never gospel” Do not rely on history too much. What's more important is the future! What can or will happen in the future? How? I rely on my Crystal Ball - Forecast using Fengshui, Financial As

Stock Market Forecast 2009 (Preview 2) – Fengshui Analysis I found this news article published in July 2007 while searching the internet. Forecast by 3 Hong Kong Fengshui Masters. Key points highlighted by one Fengshui Master: Stock Market expected to take nosedive in 2009 Leading to economic downturn in next 5 years Between 2016 and 2021, economy should strengthen again. I've not seen the past forecast done by this Fengshui Master, so not sure how reliable. But I know he is one of the well-known masters in Hong Kong. Anyway, forecast is in sync with my Crystal Ball for Next 8 Years! Read Stock Market Forecast 2009 Preview 1 How will the Dow/STI Chart for 2009 look like? Crystal Ball - Stock Market Forecast 2009 - Yin Earth Ox

How does this current 2008 Bear Market compare with other historical Bear Markets? This 2008 Bear Market is already among the worst in history. The first year of waterfall decline was worst than the first years of the Great Depression Bear Markets, wiping out more than 40% of the stock values at their 2007 peak (S&P). These were reported in the New York Times on Oct 11, 2008 using an interactive graph below. The major Bear Markets in history were: August 1929 to June 1932 Feb 1937 to April 1942 April 1946 to June 1949 Oct 1968 to May 1970 Dec 1972 to Oct 1974 Oct 1980 to Aug 1982 July 1987 o Dec 1987 Feb 2000 to Oct 2002 A few other bear markets were also included in the graph. Click on the diagram to see the interactive display.

What will the STI Chart look like for the Next 8 or more years? As stated in my previous article , one US expert said the coming crash will be much larger, part of a grand supercycle bear market. It will be a larger scale of the 1966 to 1982 DOW bear market chart. Here is the chart: Another US expert said it might look like 1901-1921 or 1929 – 1945 DOW bear market charts. Here are the charts: So if you buy and hold for 10-20 years, how much can you make? But market-timers and short term traders might benefit big time! How will the Dow/STI Chart for 2009 look like?

Drink up and stay healthy. 10 glasses of water a day, keeps the doctor away! Water gives one the most health benefits and it's virtually free. The best detox agent, it also helps alleviate constipation. My chinese physician recommended we should drink 1 glass of water if we wake up early, then go back to sleep. Then when it's time to wake up, we will be able to do our 'business' in the toilet smoothly. Ha ha, like what is happening to the Stock Market this October Month, lao sai (diarrhoea) non-stop caused by too much Water Elements in the day, month and year! Oops, human beings no lao sai if drink too much water lah! So next time, don't save water but drink more water. Save money, cut expenses on soft drinks and other drinks. Drink up and stay healthy!

Emotions Rule the Stock Market. Greed and Fear can also make the more sophisticated or experienced investors violate their own rules or principles. They no longer practice what they preach? So how can we expect their grads, the uneducated or ignorant retail investors, the uncles and aunties, to not lose money investing in stocks or other investment products? Aren't they are also human beings who somehow cannot control their emotions when dealing with money? Yesterday, I read Prof Chan Yan Chong's article in the latest Shares Investment Guide, key points to note: Bargain hunters get hunted by the market beast in the recent stock market crash Fundamental analysis no longer works He is now holding on to stocks whose value kept falling ( he was one of those bargain hunters!) Now he rely on religious faith to keep himself balanced He consoled himself, being more fortunate than those who kena from Lehman Brother's min bonds. Adam Khoo wrote in his blog telling people and his grad

Another Stock Market Crash! The S&P 500 fell 9.03%, its biggest decline in this current bear market. Last night, the S&P 500 had its 8th worst decline ever going back to 1927. Last week, the S&P 500 had its biggest weekly drop ever. Less than three weeks ago, the S&P 500 had the 10th worst one-day decline ever. Last Thursday's fall of 7.62% is the 18th worst. "This has truly been a downer of a day, a downer of a week, a downer of a month, a downer of a quarter, a downer of a year, and a downer of a decade for stocks.” "It's unbelievable, but 2008 is now on par with the worst years of the Great Depression for equities.” "Prior big down days during this bear market have been more shock and awe. But after getting a taste of a rally on Monday, today's decline is downright depressing. That's what bear markets do to investors. They knock you down to the depths of despair, let you claw your way back until you're barely standing again, then ta

We use Singtel for home telephone line and Starhub for broadband internet. Singtel is going to increase telephone charges soon. And guess what? Starhub has a promotion! Free switching from Singtel to Starhub home telephone line. Everything is free, including telephone line, call usage and voice modem or router modem. So why not switch and cut home telephone bills! It is free for 2 years! We have done it last Sunday, ie sign up with Starhub. The switch will be completed by end of this month due to some delay. But its ok! Save money!

"It’s bubble everywhere” said the Wall Street Legendary Investor, Jeremy Grantham, Chairman of institutional money manager GMO in Boston, Business Time dated 5th May 2007. He was recently interviewed by Barron's. Below is a summary of his views worth taking note: Great bubbles like that in 2000 take long time to wash through the system. Shouldn't really expect a low much before 2010. This was not only a monetary event, but it coincided with the first truly global bubble in all assets. You had inflated housing in almost every country in the world, except for Japan and Germany. You had overpriced stocks in every country in the world. And you had too much money and too-low interest rates. I was confident about very little, but I was confident that this would be different from anything we had seen before, and potentially more dangerous. It should have been treated with more care. But this is much worse than I thought. All the fundamentals are turning out worse than I thought t

October 13 Weekly Update - Stock Market Forecast Fengshui : first 2 days might have strength, later week unlikely. Astrology : uncertainty, decline might end temporary or continue. Technical Analysis : US indices - unclear direction Monday which decides direction for rest of week. Might see little technical rebound. Be careful, dun fall into the Bull Trap.

Forecasting Stock Market Psychology - L o oking at The Cycles of Market Emotions Stock Market is a reflection of the collective mood of players in the Stock Market. Greed and Fear are the strongest mood or emotions that move the Stock Market. Fear creates panic selling and chase the stock market down. Greed creates buying frenzies and chase stock market up. Below is a fun and informative chart showing how the emotions of individual investors follow the market cycles (source: Westcore Funds). The Cycles of Market Emotions (click on image to zoom out) So Emotions Rule the Stock Market. If one can forecast the emotional tides of players in the Stock Market, then one can forecast whether the Stock Market will likely head up or down. Right? Wow! Who can do that? Financial Astrology = Chinese Astrology = Chinese Metaphysics = Fengshui can tell when the emotional tides are high or low! That's why my Fengshui Stock Market Forecast have been spot on to-date! Fengshui uses the 5 Elements t

Stock Market Forecast 2009 (Preview 1) using 4-Year Presidential Cycle A US Market Timing Expert shared his Stock Market Forecast for 2009 . Below is a summary of his report: Expect this bear market will be with us in 2009 also. Economic indicators show worst conditions since the Great Depression, so expect more serious recessions and bear markets in decades. Serious bear markets tend to last for 2 or 3 years, look back to 1929-32, 1973-74, 2000-02 bear markets. 1st and 2nd years of new presidential terms almost always see problems in economy and corrections in stock market . 10th year of each decade tend to be down year for stock market. This coincides with 2nd year of new presidential term, ie 2010 So be prepared for the most exciting waterfall ride of a life time! But there is still hope of a potential bear market rally coming. Not now. But when? Just keep yourself updated on my blog posts! Wait for my S.M.A.R.T. List to give the buy signal! Read Stock Market Forecast 2009 (Preview

A Recipe for Retirement Ready, created by TSK based on learning experience from Mum. Ingredients: 1. Be Healthy 2. Be Strong 3. Be Mobile 4. Be Alert 5. Be Frugal 6. Be Asset Rich, not Liability Poor How to: Stay Healthy, dun let your health eat up your money. Keep fit and strong, physically and mentally. Ensure mobility, invest in good pair of shoes to keep legs strong, so physically independent. Keep your mind alert, play Wahjong, origami or other mind games. Be Frugal, buy necessities and practical things, then you can save to invest or make money work for you. Be Asset Rich, keep assets which can make your money grow. Avoid Liabilities which will make you poor or eat up your money, like your car. Then financially free lor! For more tips, see Money No Enough and Other Investments. So Invest on Myself. Then I'm on the way liao. Retirement Ready is a journey!

Always Retirement Ready! Oh, I'm referring to my Mum! My dad (deceased) loved my mum very much. He had taken good care of her. He even said "though we were not born on the same date, wish we can die on the same date” I talked into his ear promising him that me and my sis will take good care of mum. He was already in coma and passed away peacefully hours later. That was almost 3 years ago. Mum is very strong, healthy and always very hardworking as a homemaker. If not for the hit and run accident which broke her knee-cap, she would be very mobile and able to travel around on her own anytime. She is now less mentally alert. But she should have no worries cos everything she need is taken care of, by me and my sis. She is financially free! Always Retirement Ready! Me? Share with you tomorrow lor. Are you Retirement Ready? Will your spouse or children take care of you? Ask your spouse or children to read my blog. Ask them! Tomorrow, I'll share with you 6 Things One Must Have to

Free Seminar organised by ShareInvestor.com Seminar: Exploring Investment Opportunities for 2009 Date & Time: Saturday, 25th October 2008, 9:00 am - 3:30 pm Place: DBS Auditorium, DBS Building Tower 1, Level 36 Shenton Way For details and online registration, visit ShareInvestor.com

Oh my god! Stock Market Crash Again! My sister woke me up to tell me Dow crashed more than 600 points. I decided to make a check and post this article. Yesterday, October 9, 2008 was Water Horse Day . Coupled with Water Month (October, Water Dog) and Water Year (Year of Water RAT, 2008), its Triple Water , extremely strong! Today? October 10, 2008 is Water Ox Day . Wah! Be Careful! Water extinguishes the Fire in the Stock Market! The RAT finally Show Hand! Hindenburg Omen - See my Crystal Ball (Stock Market Crash Alert)! See my Crystal Ball (Monthly Forecast October 2008)

Hurray! At last, I've found the magic indicator, the Bear Market Bottom Indicator! I shall call it the BMI . Since the Singapore Stock Market Bear Run started in October 2007, STI had hit this BMI 4 times and rebounded. The last 3 times, STI rebounded 1-3 days before dropping. So now it is confirmed, this BMI works in Bull Market as well as Bear Market with more than 80% accuracy (I'm being conservative). When STI hit the BMI on September 19, 2008 and October 8, 2008 , I did not enter the market. Why? I know these were just dead cat bounce, would not last, as Fengshui Forecast was not positive. Also I'm still testing the BMI to confirm it works in Bear Market. Time and tested, this BMI will be officially included in my Beat the Bear Market Approach! So, the next time STI hit the BMI and Fengshui Forecast is positive, I'll kar kar enter the market! No longer afraid of catching a falling knife! Bingo! Success to my Bear Market Investing for the Next 7 years!

S&P's Sam Stovall told CNBC yesterday that history points to an 18% market bounce in 6 months. "It won't be a V-shaped recovery, but a slow, meandering recovery. History is a guide, but never gospel." It is often said that bear markets don't end until the last TV bull capitulates. Could the following on CNBC be a sign that a bottom is near? : " Jim Cramer throws in the towel - The host of CNBC's Mad Money , and renowned bull, went on the Today Show on Monday and told investors to get out of the market. Whatever money you may need for the next five years, please take it out of the stock market right now, this week. I do not believe that you should risk those assets in the stock market right now." Some analysts are wondering if this national announcement by the popular Cramer may have added to Monday's panic sell-off in the first five hours of trading before it began to recover. Yesterday, STI broke through my Bottom Indicator on the daily

CPF is for my retirement. My priority is preservation of capital. I cannot afford to lose my retirement savings. The same applies to my SRS Account. I do invest my CPF monies in Unit Trusts and Singapore Stocks when the opportunity is right. If I make a wrong decision, I can cut my loss fast. I buy Unit Trusts using Poems online to reduce the cost of investing CPF funds. So I never invest my CPF on long term investment instruments or rely on others to manage the funds for me. Risk of losing the money is higher. Instead of taking the risk, I prefer to earn risk-free interest rates with CPF Board! Have peace of mind. Invest CPF Savings Prudently!

Are you retirement ready? Oops... what do you mean? Today I'm going to talk about some benefits of Supplementary Retirement Scheme Account (SRS). I've an SRS Account but now no longer qualify to contribute. Why? Me got no employment income, pay zero tax, so cannot contribute to SRS Account. I invested my first contribution in NTUC single premium insurance. Subsequent contributions remain in my SRS Account which I have the flexibility to make my Money Work Harder for ME. How? I invest it in Unit Trusts or Singapore Stocks. I wait for the right opportunity, then strike and wait to take profit. I use my SRS Account to buy good Singapore Stocks which cannot be bought using CPF. Do you know it is cheaper to make your money in SRS Account grow, compared to CPF OA or SA Account, when you invest in Unit Trusts or Singapore Stocks? Yes, you dun have to pay the Bank transaction fees for each buy/sell transaction, additional fees based on volume of stocks and holding costs

October 8 to November 6, 2008 Fengshui : Yang Water Dog Month, potential major market correction. Favourable industries/sectors : water and wood. Financial Astrology : Risk of crash-like decline high. Might be positive towards end of month (refers to October calendar month). Long term bearish market. Technical Analysis : US Indices – Stock market crash started last Monday might accelerate, target 9750 to 9000. Be careful! Looks like Hindenburg Omen in play!

My Fengshui Master Resources were spot on again! It forecasted a possible rebound in September 2008 , which happened, right? Arh! You missed it? Singapore Stock Market hit bottom on September 18, with STI at 2307. The short bear market rally ended on September 22, with STI topping out at 2604. Bear market rallies are usually sudden, brief and sharp. Before you know it, it's over cos it's fast and furious! I've highlighted it in my past article - B.E.A.T. the Bear Market - 4D for Success! Unless you are alert and understand Bear Market Dynamics , you might fall into the bull trap! This Bear Market is for traders only, not for investors with buy and hold strategy. If you buy and hold or continue to average down your holdings, you will only be putting good money into bad money! If there is a reliable stock market timing tool which can help predict stock market trends or directions, I'll be able to manage my investment risk and preserve my capital in this bear market. Yes!

I just read an article on ways to prevent Alzheimer Disease and improve memory. Mental exercises like playing bridge, crossword or jigzaw puzzles, sudoko, card games, etc. can help. Playing Mahjong also helps. But my mum dun like to play all these and she is not educated. Otherwise, I can get her to try the mental exercise below. So what I do? I teach her origami, art of paperfolding. Fold simple things only, otherwise she get more frustrated, cannot remember. So everyday, she fold alot of paper boxes. Better than taking medication like gingko! Like to try the mental exercise below to test for AD symptoms? Relax and enjoy! Mental Exercise Prevent Alzheimer Disease -

I knew about the T. and the E. but forgot about the H. With the H., it also solves my Money No Enough problem liao, not just help me to lose weight and stay healthy! Right? But very difficult leh. I'll try lor! Dun know what I'm talking about? T.en glasses of water a day. H.alf food intake. E.xercise by walking 10,000 steps daily. Simple way to a healthy diet and also stay slim! Hmm... another stream of income, selling intellectual property! I'm referring to the book written by Dr Adrian Yeo.

Ai yo yo, bus fares increase again! We go weekend shopping at Suntec City and Bugis quite frequently. Dun understand why 2 bus services traveling same route or same distance to destination can charge different fare one? Now bus fares increase again liao, so must take the bus service which charge cheaper fare liao. No hurry, can wait for SBSTransit Bus Service 145 to Bugis, only pay 71c compared to Bus Service 80 must pay 93c. Going to Suntec, then wait for SMRT Bus 75, only pay 71c compared to SBSTransit Bus 97 must pay 93c. Guess how much we can save with 4 persons traveling to and fro?

We always joke that only the rich can fall sick and they will be alive again cos they can afford all the miracle pills. Luckily, maybe its because of our genes, we have been very healthy since young. Thanks to my parents lor! However, I do fall sick at times due to extreme work pressure. And it starts with a bad throat, then throat infection, then runny nose, then high fever. For years, no doctor can prescribe medicine to cure this illness, so I resort to chinese medication. Finally, this last company doctor was able to cure me fast. Just one pill, it stopped the runny nose. After 3 pills, my throat infection was better, and fully recovered in 3 days. Another pill not only cure my blocked nose, it helps me sleep well. So I told the doctor, whenever I cannot sleep, I'll take the pill like sleeping pill. And the doctor told me her daughter does that as well. Now, I dun fall sick liao cos no more work pressure, touch wood! Remember my mum was down with flu 2 weeks ago. I cu

Have you heard of the Investor Fear Index – VIX ? It is the CBOE's Volatility Index . The VIX is often referred to as an investor fear gauge. It tends to rise when stocks fall. It skyrocketed on Monday, closing at 46.72, close to an all-time high for this index, indicating that a bottom might be seen on Monday. Stocks usually advance after the VIX peaks. From history of this 18-year-old VIX, the S&P 500 added an average of 0.36 percent the next day and 0.5 percent during the next week, after the biggest percentage increases in VIX. I do not use this VIX indicator but do monitor it regularly by reading reports issued by Mark Hulbert of MarketWatch. Be careful, history might not repeat itself. Interested to know more about VIX, click Mark Hulbert, MarketWatch I've added the link for you to check the daily VIX under My Favourite Market News on right sidebar.

I've a fixed deposit with a foreign bank maturing today. Where should I reinvest the money? 1. This foreign bank is paying 1.5% p.a. interest. 2. My funds in the trading account with Phillip Securities is earning slightly more than 1.5% p.a. interest from Phillip Money Market Fund, credited daily. 3. My funds in POSB Mysavings Account is earning 1.5% p.a. interest, credited monthly. I prefer to keep my money with local banks now. Phillip Money Market Fund is safe now. But I might be able to get 1.6% on POSB Mysavings Account. Ok, better be safe, keep it with POSB Mysavings Account to earn 1.6% p.a. interest, credited monthly.