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Trust Bank Singapore, New Digital Bank Freebies!

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Have you applied for your Savings Account or Credit Card with Trust Bank Singapore, Singapore's digital bank backed by a unique partnership between Standard Chartered Bank, and FairPrice Group? REFERRAL CODE: BZACYE0F ( it is a number zero, not letter ) Get $35 worth of free Fairprice vouchers and other freebies by just Downloading the Trust App and Open a Savings Account online with the App, simple/easy within 10mins!: Get free $10 Fairprice E-voucher (no minimum spend at stores/online) by entering this code ( BZACYE0F ) when apply for the Savings Account. Get free 1kg Fairprice Rice voucher Get free Kopitiam Breakfast Toast Set voucher Charge one transaction to your debit card to get free Fairprice $25 voucher (no minimum spend, at stores/online). Hack: Do a funds transfer of $1 or $10 from your own bank to Trustbank savings account. Then Just add your debit card number to Grab App, authenticate with $1 charge/refunded to your saving...
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DJIA 7thYear Itch -Will 2017 be Itchy? (Part 2)

Major cycles converging in September/October 2017: 1.  10 year cycle: Dow major top in October 2007 to September/October 2017 2.  15 year cycle: Dow major bottom in October 2002 to September/October 2017 3.  17 year cycle: Dow major top in 2000 to September/October 2017 4.  8.5 year cycle:  Dow mahor bottom in Mar 2009 to September/October 2017 At least one of the cycles can fit into Lindsay's long term patterns and the 3 Peaks and Dome House. Watch!
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DJIA 7thYear Itch -Will 2017 be Itchy?

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Take a look at DJIA history for the past 130 years, for years ending with 7, see the following past 13 times (source: Leuthold Group) Now take a look at the average trend for years ending with 7 below (source:Leuthold Group) We are now in a potentially danger period from August to Nov 2017. I will pay particular attention to 30 year and 60 year cycle.
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Withdraw CPF Medisave Savings above MMS by Dec 15 2015

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.
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Medishield Life vs Integrated Shield Plans

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...
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CPF Life Plans: Basic or Standard?

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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 inst...
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Elliott Wave Theorist August 2015 PDF (Free)

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...
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Will Stock Markets Crash like 1987?

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.....
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