huat ar! Happy New Year, everything goes well! 🎉🧧 Congratulations and prosperity, bring on the red packets! 💰🧧 Wishing you good health, with the spirit of dragon and horse! 💪🐉🐎 May you have surplus every year, advancing step by step! 🐟📈 May your family be happy and your wishes come true! 🏠❤️✨ Wish you great luck and great profit, with abundant wealth flowing in! 🍊💸 Wishing you a prosperous, healthy, and joyful Chinese New Year!

Warren Buffett is true to say that it is a Trader's market right now. last week I was a little lazy and did not actively trade and I lost quite a bit. Traders cannot be passive and must be active to take any games off the table within the day. option trading is in, active trading is in, passive trading is out.

During unknown times, it is better to DCA. During times when we know the market condition is bad, it is better to put in lump sump.
After DCA, if you have excess cash, try to put into something with interest higher than cpf interest rate. If not, just top up into medisave/SA account. :)

I’ve been using Moo Moo Cash Plus, and honestly, it's super convenient. You can just chuck your spare cash inside and forget about it. Need the money back? No problem—just withdraw, and in 2-3 days, it’s safely in your bank. It’s like having a little piggy bank, but better. Plus, you can use it to buy shares or funds immediately, which is pretty shiok if we want to invest on the go.
And the interest? Wah, right now it’s high—like, buying a property and renting it out kinda high....

Buying a car in Singapore is a significant financial commitment, with various costs like the Certificate of Entitlement (COE), road tax, insurance, and regular maintenance.
For families, larger vehicles like SUVs or MPVs provide more space and comfort but come with higher running costs. For singles, smaller cars are more economical and easier to manage, but not much value add. Hidden costs, such as parking fees, ERP, and car depreciation, also add up.
Opting for a second-hand car can...

Sentosa is a fantastic destination because every hotel offers a unique experience, transporting you to different places within each one. The service is excellent, with minimal worries about food safety, and the swimming pools are in top-notch condition, making your stay both enjoyable and worry-free.
Great to laze around and just enjoy the room and service. Beats having to air travel. Save time too!

Eh, Buffet sell apple stocks already, maybe time to think about bonds lah. You know, diversify a bit, safer for the long run, don’t put all eggs in one basket.

When interest rates drop, bonds become a pretty solid option for us. The older bonds with higher interest rates start looking more shiok because their prices go up, so if you sell them, can make some good profit. But any new bonds you buy won’t give you the same kind of returns since their rates will be lower. Still, bonds are quite safe, especially when interest rates are low, and other investments feel a bit more risky. So, bonds can be a good bet in such times.
Bond funds ...

Happy bd Singapore