Lone wolf investor

  (Bala’s curve) Ho Ho Ho!!…. Santa has no gift Mdm. Ho Ching reminds new buyers of older HDB flats not to expect generous benefits from government policies when the VERS is launched. They shouldn’t expect leases on the flats to be extended at a favourable term too. A 99-years leasehold will expire without value. In my opinion, she is correct about the lease decaying, but trying to manage expectations is difficult because HDB was seen by many not only as a roof over their head. It also act as a retirement nest egg for many. The status of HDB decaying leases had been vague for many years before 2015. The commingling of HDB as a retirement tool has the potential to stork public discourse among retirees who can’t cash out at a reasonable price for their retirement. The government of the day will need to face the consequences of having to make a populous decision vs losing the popularity vote, as HDB has been seen as the prime retirement asset of many retirees. When survival is at stak...

  (Image credit: AZQuotes.com Market Summary 22-28 Sept 2025 *USA* + US personal spending up 0.6% MoM to US$21.112 trillion in Aug, the sharpest increase in 5 mths  -US Consumer Sentiment Index down 5.3% MoM in Sept to 55.1 pts, dropped by 21.6% YoY   ± US PCE up 0.6% MoM or US$129.2bn in Aug. PCE price index grew 2.7% YoY and 0.3% MoM   + US core PCE price index up 0.2% MoM as expected  + US initial jobless claims sank by 14,000 to 218,000 at 2-mth low  + US inflation-adjusted consumer spending rose 0.4% in Aug, core personal consumption up 0.2% YoY  + US GDP revised up to 3.8% YoY in Q2 on strong consumer spending, up from previous estimate of 3.3% ± US year-ahead inflation expectations at 4.7% in Sept, vs Aug’s 4.8%, 5-year inflation revised down to 3.7% from 3.9%   + US corporate profits up 0.2% to US$3.259 trillion in Q2, after a revised 0.6% fall in Q1  + US personal income up 0.4% MoM to US$26.280 trillion in Aug, same pace as Jul + US...

  (Source: MAS) Results of Oct 2025 SSBs showed a mixed reaction to the low yielding issue. Out of $400m SSBs on offer, only $251.8m found buyers. With a slight uptick in 10 years, next month SSBs might show a wafer thin improvement from this month low yield. Good luck and 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 or submitted to government...

  (Image credit: CH Offshore Ltd) The below article is for educational purpose only. Kindly refrain from taking any action. It shouldn’t constitute as an investment advice. Please read the disclaimer . CH Offshore Ltd is an unusual position. It is part speculative and part fundamental. This company is in a net cash position with at least half of the market cap in cash. The company shares are trading at 50% discount to book value of SGD 3.2c. The rest of the assets consist of 6 oil and gas support vessels which are leased out to oil and gas companies. Based on the half-year results, they are marginally profitable.  (The bulk of CH Off value, $39m as listed in the book) The company recently undertook a huge rights issue. The money from the rights issue will at least give them more options to pursue more opportunities. To be very honest, the current business is not going anywhere. Baker Technology owns more than 55% of the company. This position is not for everyone, as small cap ...

(Andaz Hotel, infinity pool) Holiday Musings I took some time off from the market. There were times I wanted to jump back into the market to make a quick buck. I reminded myself the importance of “work(invest) life balance.” (Will Butler, CEO of Brompton, my favourite gentleman from London) Hi AI, I took the opportunity to meet people. Some are leaders in their field. One such meetings was with Will Butler, CEO of Brompton, during a company event celebrating their 50th Anniversary of their founding. Brompton has come a long way from a garage invention to a multi-million dollar enterprise. We discussed how AI is going to be big opportunity for the business and ways to improve the current process to make customer service better. One idea I shared is to make customer service better through camera technology. It recognised the identity of customers walking into the store. Data like customers’ information with past purchases and bike servicing records could be autopopulated onto a staff’s s...

  The lower yield on SSBs continues to follow the trend of lower interest rates across the board. I will only use SSBs for short-term cash or cash equivalents. The first year interest is decent at 1.71% which is higher than most savings accounts. The closing date for applications is on the 25th Sept@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 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 or su...