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

For those above 55 years old, here is the last chance for you to withdraw your Medisave Account Savings above the current MMS (ie $43,500). You must submit your applications to the Board by Dec 15 2015. However, because CPF has a special method of refunding balances in MA/SA/OA, it will be better for you to first submit a request (email) to CPF to calculate the amount you need to withdraw such that your MA balance will be reduced to $43,500. Then send a formal request online or by post using the withdrawal form to request the withdrawal. CPF actually calculates interest on MA/SA/OA up to month of withdrawal, these will be refunded first, followed by other amounts. The formula is not disclosed at the website yet, oops, at least I cannot find, hahaha Oops, there is no formal announcement by CPF Board nor is above written on the website. However, some information are hidden in the withdrawal form, take a look at the form at the website.

With the implementation of Medishield Life next month, would I still need my NTUC Enhanced Incomeshield Plan? Two weeks ago, I had a fall and was sent to SGH A&E by ambulance. Doctors identified a dislocation of my hand at the left shoulder and managed to fix it back for me. Also had a big “bualuku” on my forehead, haha, it is still there now, but subsided somewhat with blueblack mark still there. Last week, doctor found a small fracture at my arm joint location. I stayed at the observation ward for 1 night, was discharged next day noon, exactly 24 hours from admission. SGH submitted hospitalisation claim to NTUC, now waiting for NTUC to approve the claim. I guess I would be able to claim under NTUC Enhanced Incomeshield Plan (NEIP) for staying at least 24 hours in hospital. Should the claim fail, I would have to pay using my CPF Medisave account. If I can claim under NEIP, how would I benefit: I'm covered by a rider which gives me 100% coverage, ie

Assumptions: A lower monthly payout is not a major concern for you. You have max Full Retirement Sum (FRS) in your Retirement Account (RA). You still have more than 60k in OA/SA/MA. With or without dependents. When the CPF Life scheme was first started and my brother was required to make a choice, I advised him to opt for higher monthly payout as his income was/is low. He only has one child and I told him he need not worry about bequest to him as he should know how to take care of himself. At that time, I did not study the scheme in detail, only comparing monthly payouts and bequest amounts. Now I study the plans in detail. Under The Standard Plan: 1.  If I do not have dependents and should I die early after joining CPF Life, I do not mind donating my money under the Standard Plan to fellow Singaporeans in the CPF Life Pool since my beneficiaries will get less or nothing in bequest monies. 2.  However, should I not die early but instead suffe

Dear reader, With the market action during the last few weeks, many investors have been operating in panic mode; subscribers to Robert Prechter's Elliott Wave Theorist haven't. Why? Because they were prepared . Elliott Wave International prepared them for the 2007-2009 crisis, and they did it again. In fact, in the calm of Aug. 18, Bob wrote a sharp critique of the U.S. stock market in his newest Elliott Wave Theorist , in which he said to expect market "pandemonium." (His commentary was published the following day.) "as shown in this issue, time and price factors call for an immediate end to this dream state. When the alarm goes off and the dreamers awake, it will be pandemonium in the stock market . As the next few chart

Tomorrow is September 11 2015, 14th year anniversary of 911 attack!  (2x7) Tomorrow is also Singapore's Election Day on her 50th anniversary of independence. Sept 13 is a partial solar eclipse What could happen from now till ...... Watch the Sky for Trends, many planets are busy in the sky, and a possible important pattern is in its formation, very similar to what happened in 1987.  Hmmm.... I'm waiting to see if history repeats! I'm busy trading, shorting STI, HSI and Dow, making some money, hahaha Watch for possible black swan event!  Watch watch watch.....

Yes, there is Horse Shoe Pitching Competition, on May 2 and 3, hurray!

Wow!  Hang Seng Index Futures dropped more than 700 points last night !  Will another stock market crash or crisis occur?   Why?  Watch the "Ting Hai" effect, the Adam Cheng stock market crash indicator is on!  And that coincided with my Stock Market Timing calculations! Read the news below: The Standard HK news on Tuesday, April 14, 2015 "If there's anything guaranteed to get television viewers on the edge of their seats at the moment, it has to be The Greed of Man. And it's back next week. The topical TV drama produced and aired by Television Broadcasts in 1992, whose lead character Ting Hai, played by Adam Cheng Siu-chow, pictured, made enormous profits short-selling Hang Seng Index futures, coincided with a slump of 20 percent in the index. That set the scene for Cheng's ominous tango with a bearish stock market in the two decades that followed, thus breeding the dreaded Adam Cheng Effect, suggesting every appearance of the actor on the scr

Hmm....Singapore Turf Club/ SIA have yet to announce details of Singapore International Racing Festival 2015 Roadshows. Dates/locations of the 2 Roadshows have been announced, however, the detailed programme is not out yet. Will it include Horse Shoe Pitching Competition? This year the first Roadshow is held on weekdays instead of weekends. Will there be Horse Shoe Pitching Competition then? How are the competitors going to join and practice? Interesting.  So, I suspect there might not be any competition, hahaha. Roadshow 1 at One Raffles Place on April 23 and 24, 2015 Roadshow 2 at ION Orchard on May 2 2015

What you are about to read is highly contrary to the majority opinion on Wall Street ... Then again, Wall Street also missed: The 2007-2009 market meltdown, The bear market in gold, silver and oil over the past several years, The dot com bubble at the beginning of the millennium, and ... Believe it or not, almost every major market reversal in history. The following report is from three market analysts who forecast the major market reversals of 2000, 2007 and 2009 in stocks, in 2011 in precious metals, and just recently in oil and other commodities. As a result, their subscribers were prepared to position their portfolios to benefit -- no matter the market direction. Now these three same analysts have a warning about tech stocks that you need to hear, right now ... Suffice it to say that they think all the recent "not a bubble" talk is in fact a bunch of BULL (and we don't mean bull market ). See what they see, then you can prepare

Exclusive invitation: Our friends at Elliott Wave International have just released their new 53-page independent investor report, The State of the Global Markets -- 2015 Edition: The Most Important Investment Report You'll Read This Year. On an exclusive, limited-time basis, they've allowed us to share it with you, for FREE Learn more and download your 53-page report now » Consider yourself warned. The global market outlook is far less rosy than the emperors with no clothes would have you believe. U.S. stocks have recently hit new highs, pushing technical readings to hit off-the-charts extremes; Gold, silver and bonds are in multi-year bear markets; Investors in major markets around the world are exposing their money to unprecedented risks; Regional economies recently said to be "recovering" are slipping back into recession; And despite the multi-year rally in stocks, Main Street is still struggling. Politicians and central banke

From Matchmove Wallet Facebook : “Send a Virtual Angbao to your friends this Chinese New Year. For every virtual Angbao that you send via your MM Wallet account, we’ll be giving all senders an 8% or 18% Angbao Bonus! Yes, we’re rewarding you for giving an Angbao! Send to an existing MM Wallet account – 8% Bonus Send to a non-existing MM Wallet – 18% Bonus How it works: 1. Send a virtual Angbao to your friend via the “Transfer Credit” function in the MM Wallet! (Minimum amount to send: $12.50) 2. Choose to send via mobile or email 3. Get your friend to claim the credits! 4. Your Angbao bonus credits will be sent to your account when the promotion ends You can even send a Virtual Angbao to your friends who do not have a MM Wallet account! Your friend will be prompted to sign up for a MM Wallet account when he/she receives the SMS or email notification. PS: Don't forget to top up your MM Wallet first if you do not have sufficient balance in your account! “ Here

Wow! In conjunction with POSB 1.88% Deposit CNY Promo, DBS introduced an up to 3.96% pa Deposit  for 3mths for topup to the Multiplier Account! This is very attractive especially for those who do not have a DBS Multiplier Account now and can meet the cashflow requirements to earn up to 2.08% pa interest. If u can meet the 20k cashflow requirement, the First 50k deposit into the DBS Multiplier Account will earn 2.08% pa interest (mthly). Then if u register for the DBS 3.96% pa promo, this First 50k will also earn another 1.88% pa interest for 3mths, or If u register for the POSB 1.88% pa promo, this First 50k will also earn another 1.88% pa interest for 12mths. That gives u 2.08% + 1.88% = 3.96% pa interest on the first 50k deposit.  So open the Multiplier Account, register for the promo, transfer fresh funds into the account and start accumulating the cashflow! Wow! I'm going for it! What are u waiting for?

Hello, The CLSA Fengshui Index 2015 Year of the Goat is out! You can view the online version here. You can also download the CLSA Fengshui Index 2015 PDF here.

Wow! POSB did not advertise the latest promotion of 1.88% pa, only quietly email to customers on Saturday (Jan 24) afternoon. Is it already too late to get the $88 Hongbao for participating in this promo, only first 10,000 qualified customers get it.  Hmmm... would all these have gone to themselves already on Jan 23, start of promo? Even if u are not the first 10k qualified customers, you can still guarantee yourself more than $88 Hongbao if u join this promo with at least $64k of deposit. You only need to deposit the fresh funds by Feb 28 2015 but POSB pays you interest from Feb 1 2015 to Jan 31 2016 (12mths), ie you get one month of free interest/money for Feb 2015 ($64k*1.88%/365*27 days=$89), that's your Hongbao! The more you deposit, the bigger your Hongbao! As you get 12mths of interest for just locking in your money for 11mths, the effective interest rate is 2.05%!   Wow! Wow! I'll be earning 3.23% p.a. Interest in Feb 2015 for keeping my money in my