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Wolf Money(Singapore Savings Bonds Sept 2026 review)

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  (Source: MAS) It is no surprise the yield on the SSB has increased. It follows the trend of increasing yields around the world for long-dated bonds. The bond markets, especially in the US, Japan and the Eurozone are under pressure from inflation. The central banks are walking on tight rope as an increase in bond yield adds balance sheet pressure on companies doing refinancing. The first yield of the SSBs is producing a yield of 1.52%. With the rising yield. It is best to shop around for a higher yield on a short term fixed deposit. I have seen banks offering an interest rate of 1.68% for a 6 month deposit. If the banks are paying higher interest on deposit, interest rates on SGD loan will have to go up to compensate for higher deposit rates. Closing date for this month SSBs falls on 26th Aug@9pm. 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 m...
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Wolf Money(Hotel Grand Central 1H26 result)sold

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  I waited till I sold the stock before I posted on my blog to prevent giving an impression of pump and dump. I sold HGC because there was no interim dividend. I was expecting some form of goodies for shareholders, unfortunately there was none. The results came in strong with net profit surging more than 325% from $3.4m to $11.2m. Revenue was up close to 10% for the first half 2026. Australia and NZ hotels performed better than last year. Singapore hotel was flat. The strong AUD vs SGD helps lift the number. No dividend was declared. LWF holds no share in Hotel Grand Central. LWF adds a 0.5% return to portfolio. More details at the end of month portfolio update. 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.  Telegram Channel https://t.me/joinchat/oCgkD3sQFRMzMWM1 ( https://buymeacoffee.com/lonewolfinv...
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Wolf Money(Orchard Wow, Orchard Woes(13 suggestions) part 2

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  (Orchard Road) Orchard Wow, Orchard Woes part 2 If JB is picking up our mid to lower end spending and Japan is picking up on our higher end spending. Where does that leave us? Below are my suggestions to bring back the buzz to Orchard. 1.) Stop promoting Orchard as a shopping belt Shopping should only be part of the long list of itinerary of coming to Orchard. I suggest the authorities to incorporate other activities in Orchard. We could have a museum in Orchard. For example, TeamLab museum in Tokyo is very popular with tourists and local. A collaboration with a mall to house a TeamLab museum will attract people to Orchard.  (TeamLab, Tokyo) 2.) Promote pro-family activities   One idea to attract the family, especially those with kids, to Orchard is to set up the biggest indoor playground with water slides. Kids being kids, will pull their parents to the biggest indoor playground. When you attract the kids, parents will come. When parents come, they spend money in Orcha...
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Wolf Money(world market review 3-9 Aug 2026)

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  (Fireworks display at Kallang Basin) Market Summary 3-9 Aug 2026 *USA*  -US labour market lost 23,000 jobs in Jul, vs estimate increase of 80,000, weakest reading since Feb; Jun’s gain cut to 20,000 from 57,000, May’s reading revised to 63,000 from 129,000; unemployment rate lower to 4.1% vs 4.2% in Jun + ISM PMI rose to 55.6 in Jul from 53.3 in Jun, highest since May 2022, factory hiring finally expanded after 33 straight mths  + ISM Services PMI edged down slightly short of estimates at 54.1, new orders improved but hiring shrank again + US Composite PMI Output Index at 54.5 in Jul, vs 51.9 in Jun: S&P Global  ± US wholesale inventories up 0.2% MoM in Jun reaching US$944.7bn  + US job cuts down 27% MoM to 33,429 in Jul, down 46% YoY  ± US initial jobless claims up 1000 to 199,000 + US private payrolls rose 44,000 in Jul: ADP  + US Q1 nonfarm business sector labour productivity rose 1.4% in Q2, labour costs rose 1.3%  -US has refunded about...
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Wolf Money(Orchard Wow, Orchard Woes)part 1

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(Image credit: The Strais Times; The headline speaks for themselves) (Image credit: National Archives; Old Centrepoint MCDONALD’S) Orchard Wow, Orchard Woes For those born in the 70s and 80s. We remember Orchard as the go-to place for all things cool. Centrepoint McDonald to meet your friends. Plaza Sing for movie, followed by shopping at Takashimaya and FIRE disco to dance the night away. Every weekend, “let’s go Orchard” became second nature to a lot of people after a tough week studying. Orchard was the place with the Wow factor. This was a treasured location for many youth growing up during my era.  Just look at Orchard Now. FIRE disco was long gone, together with the Centrepoint McDonald. Takashimaya downsizing to it smaller footprint. Orchard is now seen as an expensive place to go. In the eyes of many, going to Orchard now confine to the festive season for admiring the beautiful Christmas lighting. Going to Orchard now feels passé. When the clock struck 9pm. There are visibl...
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