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Wolf Money(Singapore Savings Bonds May 2026 review)

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  (Source: MAS) Welcome to another SSBs review. I am trying to be upbeat about this month’s return. Unfortunately, the 2.14% average yield on May SSBs for a period of 10 years is barely enough to cover the high-inflation environment we are in. I always suspect our inflation is running at a hotter number than the official rate. A fishball noodle selling at $4 bucks is now selling at $5. That is not 2.5% inflation. That is 25% hike in price. That being said, SSBs do have a place in everyone’s portfolio, especially as a short-term safe haven in my opinion. The first year yield of 1.4% and 1.59% represents an acceptable yield for those rainy day funds which can’t be subjected to any risk. SSBs can be redeemed at any point during the 10 year period subjected to a month turnaround with no capital loss. Furthermore, both the first two years yield are superior to most pure vanilla fixed deposits offered by banks. The closing date for this month’s SSBs falls on 27th April@9pm. God Bless. Pl...

Wolf Money(world market review 13-19 April 2026)

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  (Image credit: Sarwa.co) Market Summary 13-19 Apr 2026 *USA* -US manufacturing output down 0.1% MoM in Mar, vs expectations for 0.1% gain, vs 0.4% up in Feb  -US industrial production down 0.5% MoM in Mar, vs 0.7% gain in Feb, missing expectation for 0.1% gain ± US factory orders stood at 0%, vs forecasted decline of -0.3% ± US producer prices up 0.5% MoM in Mar, driven by 1.6% surge in goods prices, largest increase since Aug 2023  -US small business optimism fell to 95.8 in Mar, lowest in 11 mths  + US jobless claims down 11,000 to 207,000 vs forecasted 213,000 + Fed still likely to cut rates in 2026 despite oil shock: Morgan Stanley  -US home builder confidence for newly built single-family homes fell to 34 in Apr, lowest in 7 mths  -US has shortage of at least 10m single-family homes: White House  + US Congress scale back bill targeting Chinese chipmaking  -Trump indicated he may reconsider the terms of trade agreement reached with UK, citin...

Wolf Bargain(Cafe Lodge@YWCA)

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Most people have heard of YMCA , thanks to the 70s viral hit by Village People bearing the same name. I did not realise there was a beautiful half of the Christian Association. Young Women’s Christian Association is located in the prime Dhoby Ghaut area. The building is hidden at the foot of Fort Canning Park, away from the hustle and bustle of the shopping belt. (Sorry, not today)  When one walk through the door, YWCA gallery showcases the organisation’s history and their mission to empower women through various social initiatives greet the visitors. The timeline gives a glimpse of the great work accomplished by the organisation over the years.  (Donors’ wall) (The foundation stone of YWCA was laid by Puan Noor Aishah, Patron of YWCA on the 17th Aug 1967) (Cooking classes was taught by YWCA) (Childcare uniforms of yesteryears) YWCA was setup in 1968 to raise the social status and wellbeing of women in Singapore through promoting peace, justice, freedom and dignity for all. Th...

Wolf Money(world market review 6-12 Apr 2026)

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  (Image credit: middleeasteconomy.com) Market Summary 6-12 Apr 2026 *USA* -US-Iran end 21-hr peace talks without agreement; Trump says US to blockade ships crossing Strait of Hormuz  -US annual inflation rate jumped to 3.3% in Mar, highest level since May 2024, vs 2.4% in Jan n Feb; up 0.9% MoM; US Core CPI gain 0.2% MoM, up 2.6% YoY -US GDP revised down to 0.5% in Q4, vs 0.7% previous estimate  ± US PCE grew 0.5% or US$103.2bn MoM in Feb -US year-ahead inflation expectations rose to 4.8% in Apr, vs 3.8% in prior mth at 8-mth high  -US personal income fell by 0.1% MoM in Feb, vs 0.4% increase in Jan  -US Uni Michigan’s Consumer Sentiment Index plummeted 11% to historic low of 47.6 in early Apr   -US energy prices surged 12.5% YoY in Mar, hits over 3-year high  + US crude inventories up by 3.1m barrels  -US S&P Global Services PMI Index declined to 49.8 in Mar + US Services PMI at 54% in Mar, vs 56.1% in Feb  + US new orders for factory g...

Wolf Money(Nike Inc. NYSE: NKE) Sold

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  Sold off my small punt in Nike@3% loss after it hits my stop loss. The share has been much weaker than my expectations, even after the ceasefire good news and weak inflation data. There is no sign of a quick bounce after a 30% drop since the start of the year. I should have said told myself at first “Just don’t do it”. Capital will be redeployed. The loss will be accounted at the end of month portfolio update. God bless. 🙏 Please consider following us on telegram for the latest update on Lone Wolf investor by clicking on the link below. No form filling, no payment required, no collection of data, no data mining, no hard selling, no obligation.  https://t.me/joinchat/oCgkD3sQFRMzMWM1 Disclaimers   All investments is highly speculative in nature and involves substantial risk of loss. We encourage our reader to invest very carefully. We also encourage reader to get personal advice from your professional investment advisor and to make independent investigations before acti...

Wolf Review(The Art of Spending-Simple Choices for a Richer Life by Morgan Housel)

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(Contents) The Art of Spending Money by New York Times Best Seller, Morgan Housel , is another popular title following his highly successful book, The Psychology of Money . The author’s new book starts with the recollection of his teenage years. In one occasion, he was working for a high-end furniture fair. Many affluent people came, given the fair was targeting those who can pay for such fine home furnishings. He overheard a gentleman who spent $21,000 on an armchair that gave him no pleasure. He was complaining about how uncomfortable the chair sat. That encounter struck him; having money is good, but the wisdom in spending that money plays an important part in making one happy. Why did the man spend $21,000 on a chair he disliked? That puzzled him greatly. In the first chapter, All Behavior Makes Sense With Enough Information . Through the eyes of the third party, we always know how best the person should spend their money. We are always guided by our own personal experience and ci...