All posts tagged with "Singapore".
The Fed raised rates this week for the first time since 2023, and every feed has a table of what happens next. We ran all six first hikes since 1994 on free public data — US shares, gold and the STI, in Singapore dollars — with the usual outcome beside every number. The one-month dip is real; the rest is six observations.
A bigger salary is not the same as freedom from work. Try a monthly cash-flow check, then see what changes when work income stops.
Colin Lau stopped working at 35 without first becoming rich. His choices may be too extreme for most Singaporeans, but they raise an important question: how much is enough for the life we actually want?
The 30-year US Treasury yield is back at levels last seen before the global financial crisis, and the headlines say the bond market is coming for shares. So we took every month since 1954 and asked what actually happened after the 10-year yield rose. The answer is calmer than the coverage — with one condition attached, and it is not the one the headlines are watching.
It is the most reasonable-sounding plan in investing: hold the cash, wait for a pullback, buy the discount. We tested it across a hundred and fifty years of market history. The problem is not that it fails when the dip comes — it is how often the dip never comes at all, and what that costs while you wait.
Somebody puts S$4,000 a month on a card advertising 4 miles per dollar, and assumes they are earning 4 miles per dollar. They are earning 1.3. Nothing went wrong and nobody was misled — the bonus rate simply stops after the first S$1,000 each month, and everything above it earns about a tenth as much. This is what that costs, why the obvious fix usually does not work, and how to tell in five minutes whether the whole exercise is beating a cashback card you could carry without thinking about it.
You have a balance and the airline shows you no price. The honest answer is that a KrisFlyer mile is worth somewhere between about one cent and five cents, which on 100,000 miles is the difference between S$1,000 and S$5,000 — and which end you land on is almost entirely your decision, not the airline's. Here is what sets it: the floor that turns out to be a ceiling, the reason business class changes everything, the one question that stops you flattering yourself, and our own ledger of nine confirmed bookings.
Thomson Reserve — the former Thomson View, on Bright Hill Drive in District 20 — previews in October, and the price list does not exist yet. Almost everything else already does: what you would need to earn, what the land cost and what that implies, how far above nearby resale each size of unit would sit, what the same money buys two streets away, and how far District 20 must rise for you to get out whole. All from free public data, worked out in advance, so you can walk into the gallery with the arithmetic already done.
