Archive

Kay

The wait that will prove to be worthed the wait

August 4, 2011 by Kay
The last time I actually wrote something on this site was a couple of months ago. The reason why I have stopped writing for such a long time is that there is really nothing interesting out there in the market for me to write about as there is nothing which I can capitalize on. Bonds [...]

in Categories: Market Review and Trends

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Home prices slip but the ‘centre’ still holds

March 29, 2011 by Kay
Home prices slip but the ‘centre’ still holdsCentral region resists overall dip for now, but luxury market also expected to stay flat By KALPANA RASHIWALA from the Business Times, 29th March 2011 Prices of completed private apartments and condos have slipped slightly, overall, as the government’s cooling measures made themselves felt. But those in the [...]

in Categories: Investing

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S&P 500 Historical P/E Ratio

February 1, 2011 by Kay
I was trying to search for the historical price to earnings ratio or in short, the P/E ratio for the S&P 500, a major US index. My search was not exactly that fruitless and I managed to get a Excel spreadsheet of the data from the official website of Standard and Poors here although the [...]

in Categories: Investing

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Increasing housing loans held by banks

January 5, 2011 by Kay
Amidst all the frenzy and noise with regards to the bullish and feverish economic and property news, the following are two articles which in my opinion, are rather interesting as it offers something that is of the contrary. Capital inflows into Singapore and a low interest rate are inflating assets and such circumstances will come [...]

in Categories: Investing

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Increasing housing loans held by banks

January 5, 2011 by Kay
Amidst all the frenzy and noise with regards to the bullish and feverish economic and property news, the following are two articles which in my opinion, are rather interesting as it offers something that is of the contrary. Capital inflows into Singapore and a low interest rate are inflating assets and such circumstances will come [...]

in Categories: Investing

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DBS preference shares

November 14, 2010 by Kay
DBS is offering $500 million of preference shares to retail investors. The details are as follow. Dividend rate : 4.7 % per annum Dividend payable rate : 22 May and 22 November of every year Redemption date: May be redeemed by DBS 10 years after the issue Type: Non-cumulative, non-convertible and non-voting You may want [...]

in Categories: Investing

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SGX ADRs

November 5, 2010 by Kay
SGX has opened up the opportunity to invest in companies in China such as internet giant Baidu and oil and gas enterprise such as China PetroChem through ADRs. ADRs, which stands for American Depository Deposits is a way of investing in selected companies which are not listed on SGX. But what are ADRs exactly and [...]

in Categories: Investing

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CPF to extend 4% interest in SMRA accounts

September 21, 2010 by Kay
CPF to extend 4% interest in SMRA accounts until 31 Dec 2011Taken from Channelnewsasia on the 20th September 2010 SINGAPORE : The government has decided to further extend the 4 per cent floor or minimum rate for interest on CPF savings for the Special, Medisave and Retirement Accounts (SMRA) for another year until 31 December [...]

in Categories: Investing

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Sibor drops to record 0.51%

September 17, 2010 by Kay
Sibor drops to record 0.51%By Gabriel ChenTaken from The Straits Times, 16 Sep, 2010 A key Singapore interest rate that determines some mortgage rates has sunk to a new record low, offering the prospect of even cheaper home loans. The rate at which banks here lend to one another – the three-month Singapore Interbank Offered [...]

in Categories: Investing

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Looking deeper into the benefit illustration

September 16, 2010 by Kay
(Taken from moneysense.gov.sg) Moneysense has a excellent explanation of the benefit illustration but I thought it would be good to explain on how are the numbers are derived. This benefit illustration is an example of a 15 years regular premium participating endowment policy. As you may know, the premiums after accounting for the expenses will [...]

in Categories: Investing

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New restrictions on property market by Government

August 31, 2010 by Kay
Below is a summary of the regulations introduced by the Government over the National Day Rally and the increase of supply of flats by HDB. For the purchase of a second property while still one is still servicing an existing mortgage, an upfront payment of 30% of the valuation must be placed – at least [...]

in Categories: Investing

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Deposit products to interest the savers

August 25, 2010 by Kay
Deposit products to interest the savers By Francis Chan, Companies CorrespondentThe Straits Times, 25 Aug, 2010, Wednesday BANK depositors are being warned that measly interest rates on savings are not likely to rise this year. But they can take some comfort from innovative new deposit products at some banks that offer higher rates as a [...]

in Categories: Investing

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Why rising property prices are not healthy for the majority

August 18, 2010 by Kay
At the end of the previous month, HDB just released the latest update of the Resale Price Index (RPI) and this latest update shows that the RPI has increased by another 4.1% in the Q2 of 2010. The chart above shows the historical RPI and as you can see, the RPI is some way above [...]

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Why rising property prices are not healthy for the majority

August 16, 2010 by Kay
HDB’s Historical Resale Price Index (RPI) Chart At the end of the previous month, HDB just released the latest update of the Resale Price Index (RPI) and this latest update shows that the RPI has increased by another 4.1% in the Q2 of 2010. The chart above shows the historical RPI and as you can [...]

in Categories: Investing

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BP: Short-sightedness of the stock market

July 3, 2010 by Kay
I’m sure that everyone is familiar with the oil company, BP even before the recent oil spill disaster in the Gulf of Mexico, which has been making the headlines beside the World Cup. The oil spill disaster has and will cause BP to pay billions in damages. With such a consequence, it is not surprising [...]

in Categories: Shares and Derivatives

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BP: Short-sightedness of the stock market

June 30, 2010 by Kay
I’m sure that everyone is familiar with the oil company, BP even before the recent oil spill disaster in the Gulf of Mexico, which has been making the headlines beside the World Cup. The oil spill disaster has and will cause BP to pay billions in damages. With such a consequence, it is not surprising [...]

in Categories: Investing

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Credit Card Debts

June 10, 2010 by Kay
I read with interest on the article titled “Younger Singaporeans biggest debt defaulters” posted on Channel NewsAsia. This article talks about percentage of default for the age group ranging from 21-29 years old has the highest rate of defaults among the other age groups. This is the age group where most of them have just [...]

in Categories: Personal Finance

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Credit Card Debts

June 7, 2010 by Kay
I read with interest on the article titled “Younger Singaporeans biggest debt defaulters” posted on Channel NewsAsia. This article talks about percentage of default for the age group ranging from 21-29 years old has the highest rate of defaults among the other age groups. This is the age group where most of them have just [...]

in Categories: Investing

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