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

 Wow! Offer is expiring on 31 December 2020! You can get upto 4% or 2.5% Cashback on recurring bills for Utilities (SP and some OEM like Geneco) and Telco (Singtel, M1, Starhub, etc) when you apply for the Amex True Cashback credit card! We went shopping and bump into the Amex Sales Staff with this offer: Apply Amex True Cashback, charge $500 within the first month, get $200 capitamall vouchers. Apply using Myinfo, get another $20 cashback Appy on the spot, get a free wireless blue tooth speaker Charge $5k within the first 6 mths, get 3% cashback He also teach us how to “hack”, oops it is actually allowed by Amex if we know how! Then I started reading the website after my sis received the card. Wow! Read more offers here on the 4% and 2.5% cashback on recurring bills! Time is running out!

  For investors worldwide – including you, maybe -- the stock market rallies since March have been one of the biggest head-scratchers of a very head-scratching 2020. Stocks rallied despite he raging pandemic; despite the shutdowns; despite skyrocketing unemployment and huge economic damage... despite, despite, despite. Here’s why that could happen: Market’s aren’t logical . They are emotional . And no forecasting method anywhere, ever developed, helps you track and forecast markets’ emotions... ...like Elliott waves. On December 14-18, Elliott Wave International will show you what -- free . From December 14-18, you get 5 days of excerpts from their 10-page December 2020 Financial Forecast . By Friday, you will have received the  entire issue at no charge. Join EWI’s free 5-day event now. P.S. From their 40-plus-year experience of observing and forecasting the markets, EWI has learned: Near major market reversals, 99.9% of the investors are unaware – and unprepared – fo

  All high interest savings accounts are “bleeding” with the cut in interest rates by all local and foreign banks. Come January 2021, DBS Multiplier interest rates will also be cut! Although I can still earn at least 2% pa on DBS Multiplier, I had already planned to move my other funds to CPF to earn at least 2.5%pa come January 2021. Last month, I hesitated to make an “investment” which pays 5% pa monthly.  Now I regretted.  So I am thinking of this “investment”  to earn 5% pa mthly, if DOW continues to rise into next year (my next turn date per my “bible formula”). I am willing to take this small risk to earn the 5% pa mthly. Keeping my fingers crossed till the day I need to make my final decision!

When I first wrote Part 3 here , I was a bit suspicious that point L might turn out to be higher than point J. Now DOW had exceeded point J! Will this GL Long Cycle continue to play out as “forecasted”? When will it hit point L and “crash”? It's been a long time since I last seriously looked at my “Bible Formula” which calculated almost every major turning point on the DOW. I just cannot figure out how to calculate future major turning points, just like many other “experts” who claimed they can forecast past cycles correctly but cannot forecast future turning points correctly, sian ah! If we are near the end of this long bull run in DOW, then I better to be prepared. Recently, I discovered someone in Singapore seems to have been “correct” in using cycles to forecast DOW 30k. He paid “fees” to go overseas to study cycles and forecasting methods and is now making a “living” out of it. He used 3 types of cycle methodologies in his forecast which are very similar t

Tap & Pay min $3 in a store, earn up to $10 two times a week, until 31 Dec 2020 Scan & Pay in a store, earn up to $10 two times a week, until 31 Dec 2020 Pay your friends min $10, earn up to $10 two times a week, until 31 Dec 2020 Hurray, I just learnt a new hack for item 2, earned $3.93 for the second payment! I went shopping just now, tried to do item 1, failed? Gave up using it for my second shopping trip, only to realise what might have gone wrong! Oops, nevermind, I will try again in my next shopping trip.   Nov 24:  I found another "hack" for item 1, managed to get scratch card finally, hurray!

Free – See  exactly  what Elliott waves show is coming next,  intraday , for the world's  60+  most-watched markets, for three full days starting November 10. Like millions of people, you may have tried your hand at intraday trading this year. Sure, today’s market platforms make executing your trades easy. But winning consistently is still hard. Especially when the waves are as big as they are right now . This will help. For 3 days only on November 10-12, our friends at elliottwave.com are hosting a new, trader-focused event, "Critical Opportunities FreePass." . Join it now and see what Elliott waves show next for the world's 60+ most-watched markets. Stocks, gold, silver, oil, FX, cryptos and more – You’ll get clear, objective forecasts, some 24 hours a day. It's a $1,278 value, but “free" means free: They won’t ask for your credit card. Volatility is back. Traders live for days like these – so, for 3 days only, join "Critical Opportunities Fre

Wah  Good News!  Now you can topup using the EZLINK Wallet plus get 5% cashback for every $10 topup, subject to cap! From Ezlink Facebook: GOOD NEWS! The ‘$0.50 cashback with Express Top-up’ promotion, exclusively for Android users, has been extended till April 2021! To top it off, you can now use your EZ-Link Wallet to fund your Express Top-ups in 4 easy-to-do steps! Steps: 1. Download the EZ-Link app and activate EZ-Link Wallet 2. Tap on Express Top-up icon 3. Select top-up amount 4. Place & hold EZ-Link/Concession card on the back of your NFC-enabled Android device to complete your transaction Find out more at https://bit.ly/2JuwrE1 Don’t have the EZ-Link app? Get it here https://bit.ly/ezlink-app Terms and conditions apply. #EZLink #EZExpressTopup #EZLinkWallet Read more here : https://fb.watch/1AvaEjNKUi/

  As expected, SOCASH continues to revise/update the tnc on the fly! To maximise my benefits, I have to perioidically check their website for updates, besides in-App and email notifications. So what's up for November 2020? 1.5% BONUS Cashback (up to $1) for all payment methods excluding DBS/ POSB iBanking! Socash wants us to use more of PAYNOW for withdrawals! So I have started using OCBC Pay Anyone at Sheng Siong. Wow, so much easier and faster than DBS/POSB ibanking and Paynow! So from November onwards, I will use OCBC Pay Anyone at Sheng Siong to earn 1.5% Bonus Cashback! I have already redeemed all my cashback earned for October! Oops, as I received reminders from Socash that my rewards are expiring (tho the dates were Nov), I decided to withdraw more than once per day. Then realised there is a limit of 2 withdrawals per day at Sheng Siong. Today, I tried to withdraw to hit 30 points to earn $1, however got an error message: hit max for the month! Now this is unwr

  “ Health is Wealth” Do you tend to spend alot of time and effort growing your savings/wealth, not so much time financial planning for retirement and estate planning, and even less time on Healthy Lifestyle planning? “ Health is Wealth”, now I agree even more! Yes, it is time I get rewarded for staying Healthy. I bought a DBS/Manulife Endowment Plan more than a year ago. Early this year, I didn't know “staying healthy” with Manulife Move App will reward me with a maximum of $50 cashback every 6mths. A form of rebate for premiums paid? A form of side hustle? Whatever it is, I am turning “Health into Wealth”! Not to forget it helped me get more Multiplier bonus interest! (tho I did regret buying the plan afterwards, not now that interest rates had dropped across the board!). I just received the cheque of $50 and striving hard to get the next $50. Not to forget the other less attractive vouchers I can earn from my other insurers' healthy lifestyle apps. A small but d

SOCASH just launched a new promotion for $1 Bonus Reward. For those who have not withdrawn $1k max for 1.5% cashback in September, you might still be able to enjoy this new promo in September. Those who have already enjoyed $1k max withdrawal will have to wait till October 1 (that's why I put Oct 1 2020 in the title altho SOCASH is “silent” on this). Change is a constant, very true for SOCASH as they constantly revise their tnc on the fly, whenever required. Below is the latest tnc extracted from SOCASH website (alway check website for the latest tnc): Qualifying transactions: For earning rewards or cashback, minimum withdrawal amount is $50 unless otherwise stated in the promotions. Only the first cash withdrawal transaction of a user in a day will be eligible for promotions, subject to total cash withdrawal in a calendar month not exceeding $1000. The thresholds/limits may be modified from time to time. The new Rewards Program is valid unti

  U.S. Market Forecasts - Join EWI's Unprecedented Year, Unprecedented Opportunities -- FreePass: U.S. now. Volatility has returned -- and, most likely, it will only heat up from here. You're probably wondering what's next. So, let our friends at Elliott Wave International help. In a few days, they're starting a rare event called Unprecedented Year, Unprecedented Opportunities -- FreePass: U.S. The event's timing is perfect. September and October are rarely kind to the stock market. And with the U.S. presidential election looming large, feelings of uncertainty among investors are high. You may be feeling anxious, too. That's understandable. So, get some clarity with EWI's FreePass: U.S. event. For one whole week , you have a chance to see what EWI's paying subscribers see -- FREE. What You Get Upon signup, you'll get instant access to 3 incredible introductory resources -- a 5-video series, "5 Ways the Elliott Wave Principle Can Ben

  Do you know you need not use DBS/POSB ATM if u need to withdraw cash? Yes! No need to que and wait. Cash Points! Now there are “ ATM-lite” machine located outside most Sheng Siong Supermarket outlets. Named $TM, u can withdraw cash from your bank accounts on this machine too! Here's a better Lobang! Withdraw cash from $TM using Socash App via “direct debit” to your DBS/POSB deposit accounts and u can earn 1.5% cashback on the amount withdrawn instantly. Use Socash App to withdraw by logging into your DBS/POSB Ibanking Account, then get a Qrcode, scan it at $TM, “Ka-ching” , cash notes “run” out one by one! More details of the promo below: (Update Sept 2020:  promo ends Sept 30 2020 for $TM withdrawals.  Awaiting for announcement of new promo.  Always check SOCASH website or Facebook for new promos and updates)

  This article first was posted in a private group: Oldies but Goodies !  I love Oldies when they turn into Goodie$. Yes, my collection of oldies now turning into Goldie$ with the price of gold rallying into all-time high at USD1965 (as I write). Are u also an Oldies lover like me? If so, here is another “Pot of Gold” opportunity! I always prefer to use EZ-link card for transport for all the benefits it have over Simply-Go :  I can see the fare price deducted on the spot, so can take action asap if fares are wrong or not refunded (not deducted).  Shiok feeling whenever I see ZERO fare deducted. I always plan my trips to reduce my transport fares: within 2 hours, I can transfer between bus and MRT up to 5 times to get fare rebates if the transfers occur within 45mins or 15mins (MRT to MRT) on different bus services and MRT stations. (ie total considered as 1 distance fare trip) Wow! Now I can earn 5% Cashback on EZ-Link Topups! TNC for 5% Cashback :

July 2020 US/Europe/Asia Pacific ST Update You hear lots of opinions about the markets. But who's right? Everyone has an angle. Now, at $0 cost, you can hear from the world's largest independent forecasting company -- our friends and partners at Elliott Wave International. Free , on July 23--30, join EWI for 1 week of insights into 50+ global markets: stocks, bonds, FX, Bitcoin, oil and many more. It's a rare event... and "free" means free . No credit card required. Get your FREE ticket now on EWI's website . (click) Jump on this rare chance to get independent, well-researched market answers now, free. Who is Elliott Wave International? EWI is the world's largest independent technical analysis firm. Founded by Robert Prechter in 1979, EWI helps investors and traders to catch market opportunities and avoid potential pitfalls before others even see them coming. Their unique perspective and high-quality anal

The previous cashback promo offers full rebate on sales charge for RSPs until July 2020. Do u know u can potentially extend this cashback for RSPs to October 2020 (ie 3 more mths)? Yes, but u need to carefully plan your RSP investment strategy. Why? Understanding the New Promo: 1. From May to July 2020, there is a DBS Invest-Saver cashback promotion for full rebate on sales charge for RSPs until October 2020 (6mths). 2. The tnc state that u must not have any RSP holdings at the time u start your RSP. 3.  This means u have to terminate and redeem your current RSP holdings first before u can start a new RSP with a different fund to enjoy the rebates. 4.  How much can I potentially save? 0.82*3 = $2.46 or 0.5*3=$1.50 5.  Is it worth the effort? If I purchase funds with sales charge of 0.82%, it might be worth it. How can I benefit from this new promo? 1.  I started a new RSP UT(2) in Feb 2020 because I closed and opened the

Earn Cashback with PayNow (Google Pay)! Google Pay launched P2P transfer using Paynow last month. As part of the launch, there is a little incentive for users to use Paynow on Google Pay. Just make 2 Paynow transactions of minimum $10 per week and get cashback of up to $30 per transaction. It must be made to 2 unique Paynow mobile numbers.  U need to register your  OCBC Bank account for the transactions be deducted.   My Paynow mobile number bank account is POSB.  I tried making 2 transactions today and received 2 in-app scratch cards, cashback of 0.24 and 0.27, both immediately credited to my POSB account. The promo ends 31 May 2020.  But I hope it will come back if DBS/POSB or UOB or other Banks come on board Google Pay. But there is a better incentive to download and start your Google Pay account. Yes, get $5 cash reward to be credited to your Paynow Bank Account when u make the first Paynow transaction of minimum $10, if u apply a referra

Did u check your DBS Lifestyle App for the Promos u qualify to join for May 2020? I have 3 promos which I joined in May 2020: DBS Go Online Spend, Goal $250 get 8% reward DBS Live Fresh Goal $800, get 10% cashback on online spend More DBS Cashback May (special invite), Goal $800, get $15 cashback Do u know I can stack all the 3 promos? Yes, 3-in-1! Charge to DBS Live Fresh of min $800, with max $400 online spend, to get extra 5% on online spend, that's an extra $20 cashback. This also qualify me to earn the 8% reward for Promo #1 and the $15 cashback for Promo #3. Total cashback+reward estimated to be more than 10% Wow! I will crack my head how best to spend the balance $400 on paywave to get 5% more of cashback. Huat ah! Note:  I just need to pay an online bill of $400 (secret)

Just received an email from “Rich Dad” - New Rule #1: Spend, Don’t Save! Old Rule #1: Save Money – but it will not make u rich?  New Rule #1: Spend, Don’t Save! ("In the new rules, it is more important that you know how to spend your money , not just earn or save it. In other words, people who spend their money wisely will always be more prosperous than those who save their money wisely. Of course, by spend we mean invest or convert your money into long-lasting value. The rich understand that in today’s economy you cannot become wealthy by sticking your money under a mattress—or even worse, in a bank. They know that the key to wealth is investing in cash-flowing assets. Today, you need to know how to spend your money on assets that retain their value, provide income, adjust for inflation, and go up in value—not down.”) Hmmm... interesting change in mindset? So have I been spending more to make me rich? I spend on RSP so I can earn more bonus in