Over all accounts and portfolios, I am up approximately 500% in fifteen months. I am steadily de-risking and use leverage in the form of options only (vs margin.) Adding shares that are down on most days and building hedges. I’m learning about how to construct a portfolio for the long-term, as I’ve reached my goal. Though still play a bit as I enjoy speculation and due diligence. I’ve even bought TLT (ok, TMF, calls.) Buying bond ETFs and other adjustments, such as VIX calls, are...

history will repeat.
This time is worse.
Many European counties are in serious debt issues, and China is not well too. Equities, especially tech, are seriously overvalued, Geopolitical risks are escalating...
The sum of all over is catastrophic.

Respect the power and unpredictability of the stock market.
This way, at least it can be avoided.
Being caught during extreme market fluctuations.👏👏

Interest rate cuts mean that savers have less money, while borrowers have more money. Borrowing is usually a business activity, while saving is more of a private behavior.
Cutting interest rates stimulates more business activities, creates more job opportunities, and reduces unemployment rate.
There are too many factors that affect the economy and the cost of living, and we can only control what we can control. If prices continue to rise, the solution is to reduce expenses. Just go with the flow and be content.

1. What are your current living costs and spending habits like in Singapore?
2. What do you plan to alter your spending habits?
3. How will you rebalance your investment portfolio?
modest living cost like everyone else. holiday overseas as and when desired. no changes to spending habits.
the rate cut is likely to boost the REITs and properties counters and negative on Banks. hence it is timely to shift from Banks to REITs and properties counters. go heavy on the distressed us office REITs might ...

reduce on cost and spend wisely

I will do the followings:
1)cuts cost by going to JB (Malaysia) to buy groceries because it is 2 to 3x cheaper and go polyclinic (government clinic) to see doctor for chronic illness because medicine is so much cheaper. So long use app to fix appointments, do not have to wait for long.
2)extend the 10 years car COE to another 5 years.
3) stock investment to change to purchasing of strong companies (w good MOAT) so as to prevent d stock price from dropping n ...

The rate cut will not bring immediate significant changes to our daily lives. However, it's a positive start, as we can expect mortgage rates to eventually decrease. For most people, mortgage payments take up a large portion of their income, affecting their disposable cash after covering basic needs. As a result, spending habits are likely to change only after the rate has dropped significantly, potentially below 2%.