Lone wolf investor

  (Image credit: caniretireyet.com) The Middle Class Trap This write-up is a combination of my observation and experience. Imagine a couple with two kids earning a combined income of $14,000. Comfortable income by any measure if the family spend well below their means.  The biggest expense of any household with kids goes into sending the children to school. The initial years of sending them to childcare are the most draining on household finances. Most parents, if not all parents, wanted the best for their kids. Enrolling them in a good childcare. The school fees for 2 to 6 years old are around $1900 per child per month before government rebates are given to working mothers.  For a family of 4, a family car can help move people around easily. An entry-level car will set out another $2500 per month in installment and related expenses. If the wife wanted to live in a nice 3-bedroom condo with a swimming pool for the kids to enjoy the facilities. Mortgage payments are likely...

    (Source: MAS)   The falling yield is having an impact on SSBs’ demand. Given the bullish stock and precious metal market. Capital might have been diverted into those areas. Out of $400m available for applications. Only $200.4m found buyers. Next month’s situation will be no different. 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 acting on information that we publish. Much of our information is derived directly from information published by companies ...

  The death of the former Queen of Thailand is an unfortunate situation and timing. It bring another layer of complexity for Thai Beverage’s BeerCo listing. The government has declared a year of mourning for Queen Sirikit. Under such circumstances, it might be bad optics to be listing a beer company. Just my thoughts. 2c worth. I am in general uncomfortable with the extended bull run. My second consideration is the potential correction in the US market. Lone Wolf sold Thai Bev at even Steven. Some brokering fees will be accounted during 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 inve...

  (Source: MAS) The general lowering of interest rate, especially in Singapore, has been particularly important for consumers and businesses that borrowed heavily. It is disadvantage to those savers that rely on their cash to earn a yield higher than the inflation rate.  This month, SSBs come with an average 10-year yield of 1.83%. At the current yield, those investors who need to stay liquid due to financial commitments within the next 12 months should only consider. The first year yield of 1.39% is higher than most savings accounts and fixed deposits. The closing date of this month’s application falls on the 28th Oct 2025@9pm. 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 in...

  I restarted a new position in Thai Beverage at 1c higher than what I sold on Friday. It is rare for me to restart a position for shares which I have sold just a few days ago. I take it as an insurance premium paid for not carrying the position past the long weekend. All fundamentals stay equal. The position comes with strict cut loss strategy. 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 acting on information that we publish. Much of our information is derive...

  (Free image credit: freepik.com) Market Summary 13-19 Oct 2025 *USA* + Powell said central bank may soon end its balance sheet reduction process, marking a key shift in monetary policy  ± Powell: economy may be on somewhat firmer trajectory than expected, but job market weak  + Trump said his proposed 100% tariff on goods from China would not be sustainable -US economic activity little changed, employment stable in recent weeks: Fed  + US retail sales excluding autos likely to increased again in Sept: Chicago Fed  + US 10-year Treasury yield fell back below 4% to near 1-year lows  + US govt recorded US$198bn budget surplus in Sept, vs US$80bn surplus same mth last year  -US Treasuries held at NY Fed on behalf of global central banks has slumped to lowest in over a decade  + US homebuilder sentiment jumped to 6-mth high in Oct amid hopes declining mortgage rates would stimulate demand  + US builder confidence for newly built single-family ho...

  I sold my holdings in Thai Beverages after it had fallen back into the 46c-48c consolidation channel. The selling is technically driven. The US future is experiencing some heavy selling due to problem with bad loans by US regional banks. I am taking a cautious approach. Lone Wolf walk away with some beer money, in process adding another 1% to Lone Wolf Fund. More details at the end of month 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 acting on inform...

(Beautiful Peranakan shophouses)    Today Lone Wolf is in Joo Chiat, one of the historic precincts in Singapore. Joo Chiat began as an area for coconut and cotton plantations. Slowly, it emerged as an enclave for wealthy Peranakan and Eurasian families in the early 20s century. You can still trace the Eurasian heritage in that area. The Eurasian Association is located within the vicinity. The beautiful Peranakan-inspired shophouses give rise to the rich Peranakan heritage in the area. Mr. Zubir Said, the composer of our National Anthem, “Majulah Singapura”, once called Joo Chiat his home.  (Eurasian Association) (Former home of Mr. Zubir Said in Joo Chiat) If one thinks of Dyson. St. James power station headquarter popped up. If one thinks of Singapore’s last surviving street food, the iconic Wafer Ice Cream, very few people know their “headquarter”. Every morning, a few Uncles will gather at Joo Chiat Place . It is the place where street hawkers get their ice cream suppl...