bepgof

Level 1 only. Calculation not difficult. Essay-type, wow - example: How does the GFC affect the efficiency of financial markets. There are so many 'financial markets' - primary mkt(1st hand), secondary mkt, money mkt (Libor for Europe, Sibor for Asia-Singapore lead), stock mkt(include debt & equity mkt), Forex, OTC, spot mkt, derivatives mkt......seow liao. Should read these since young.

Why 'investors' like to 'throw away' their money like that?

A CFA level 1 question. Financial HPY and HPS. More ppls omit the future value of money(loan interest, holding period ..... The 'soonest' the cash inflow is the best. The 'latest' the cash outflow is the best. Can you control? Defer consumption of 'wants', turn the $ into another stream of cash inflow... http://www.investopedia.com/exam-guide/cfa-level-1/quantitative-methods/discounted-cash-flow-yield.asp Many ppl chiong to buy 2nd hand car, left 1 day, worth? Loan 100% Or wait demand down, price down, then pay downpayment 40%, loan 60%. LPPL? If u have cash, why join the unwise crowd who are 'willing' to pay interest, pay and pay.

'Luck' happens only when preparation meets opportunity. It is an 'AND' conditioned. Only well prepared ppls can possibly own 'luck'. Preparation = Home work. He who able to identify and manage opportunity can possibly own 'luck'. Opportunity (+)= uncertainty (+/-) We live in environments with tons of uncertainties (positives & negatives).... So, do home work and accumulate competency =(knowledge, skill, attitude) to deal with uncertainties! = Avoidance of 'negatives' and identify/make 'positives' happen, with competency within environmental setting = LUCK. No free lunch. Good luck to you.

P6/O lever maths syllabus quite 'hopeless' - cover those useful and uncover those useful like these effective int, PMT... Car loan in Singapore is using 'flat interest rate', which is illegal in the U.S.A Monthly instalment = A+B. The monthly amount is 'fixed' throughout the loan period A= payment towards interest B= payment towards principal Instalment = (P.I.Y) + P/n P= loan amount, $ I=interest rate (%)as quoted, not effective interest rate Y= total number of year for loan n= Yx12 = total number of instalment Mortgage loan payment calculation is called 'Annuity due', or term loan. PV = PMT +PMT((1-(1+r) to power of -(n-1))/r)) This one involves 'effective interest rate' = interest is compounded yearly. PV = present value of loan amount, or 'outstanding amount' PMT stands for 'payment' which is monthly instalment amount r= effective interest rate n= number of instalments Want to know more? PM me with email. Will give some notes (hope you can digest) and a spread sheet s/w which can calculate up till 36 instalment by inputting 3 variables (P, Y, I). You can tell from each instalment, how much go to 'interest payment', 'principal payment' and 'outstanding amount'.... These are 'basic' for financial maths.

Wall is a wall. Bed is bed. Wall can be bed and bed can be wall or even sofa or ANYTHING, it's all up to user's creativity. FS sure 'loses out' to creativity. Aware and make options available yet making good uses is wise. Have 'too many' options often caused confusion, hesitation and miss good opportunity. Duno which to wear, what to eat - very common to Singaporeans. Having no option is the worst when decision needs to be made. Come to asset allocation, investment, health, most adults take for granted and prepare no options. 3,4,5 even 6 doors themselves no problem - it is the user who 'can take it or not'. Like 'wear' and 'eat' issues. Problem and challenge is always a dotted line in between. I noticed many posts here in fact relate to 'look around' issue. Followers to get recognition in an 'acceptable manner', typical human behaviour.

Cultures, rituals and norms are 'powerful' - people look 'up' and look 'around' for acceptable behaviours. History tells.

Hi, I cut your words into .....to save space, no other intents. I myself have tons of experience sleeping in 'new places' - always I couldn't sleep well and had 'shallow' dreams - pieces of images here and there appeared in mind and these images always not linked. The 'new places' refer to hotels, camp sites, offshore plateform, boat/ship, friends' house, bus-stop(one only, when I was 18), owned new houses b4 renovation began, Hong Lim park, office, and etc and also present house's sofa when I have serious disputes with wife. I couldn't sleep well, didn't cry but practice deep breathing (took me long time to know this work)slowly when I encountered many 'flashes' across mind, to blend in the body and mind into 'new places' - environment. Kids have less capability, as compared to adults, usually (some adults might exhibit worst than kids) in handling uncertainties (they 'taste' them without preparation and with shocks as consequences) due to knowledge and experience lacking. You can 'test' with yourself for, perhaps, a month or so till body/mind blend in then draw conclusion.

Just to share my understanding to this real world after making almost 50 rounds the sun, not teaching (of course i can't force u not to think this way) Human has been trying to unlock the myth of 'luck' then there comes bazi. Bazi is not about 'luck'. FS are principles to unlock the universal truth: Remeber this universal truth: 'Luck' happens when preparation meets opportunity. 3 components here. To make 'luck' happen, simply? yes! Easy? Difficult! Why? Anyone care to share?

Investment means risks and returns. It also concerns market depth (numbers of buyer and seller) Do a PEST (political, Environmental, Social, Technology) analysis/screening, very quick you'll reach conclusion. Singapore is transparent and efficient, almost reach efficient market conditions - tot 'insider' info till play a part.

Don't compare 'service' with prices of commodity/currency pairs which are fundamentally supply/demand driven. You go no where. Only after try can tell 'reasonable' or not. Take it as an 'investment' with zero returns mindset first will propel you further. At times, we need 'gut' just to move forward.

Old dog cannot teach new tricks, and new dog cannot teach old tricks. Deal with 'comfortable index'. Know their job/school, ICs/passports, age, nationality are basic. See their faces, talk to them. Ask why the rent (screen and take in 20% can liao) Payment methods..... I siam the black, no racist, just not comfortable.

Use NPV, NCD, IRR or WACC approaches to do calculation. Don't know how? Difficult to teach unless u got financial background. As a layman, 50000/3000 = 17 months to recover capital outlay If put 50k at rather risk-free 1% financial instrument, give u abt $750 return after 17months. 17 months guranteed with 2-3k cash inflow? What abt the fix and variable cash outflow during the period, or apportion to each month? What 'hardwork' u have to do to maintain the steady inflow? Do u have the capability in the first place? These are simple questions need to be answered before decision.

Peter Lim. Heard abt what football club? Eventually? Heard abt what thomson medical? Eventually? Big fish paints nice picture for small fishes to come. Once small fishes come, big fish disappears. No more nice picture. Differentiate between needs and wants. Settle the needs then talk abt the wants.

$10, abt every 2 to 3 month.

To add. One must have concept of 'cashflow'. In or out. For inflows, let then in asap. Delay outflow as late as you can, if possible and allowed, no 'out'. Stream of in and out cashflow at times are unpredictable. Do a proper screening helps reduce the risk. I do that.

Grab first. With interest rate < 0.5%, the 'future value' of money is negligible. Commercial world - no free lunch, unless you are kind enough for 'negotiation' which not stated earlier on due to some changes. I'm always ready for this. Rented my FH to a couple for monthly $3150 for 2 yrs. Only 34yo and 33yo. The 34yo is MD, the 33yo is a FX trader. I grab first. Let money brings the 'honey and milk'.

FS concerns 'principles' only. It is human who know and adopt the principles to achieve things he needs or wants. For principle to work always take time, no magic, no miracle and no crystal ball. Environments are changing all the time, the principles adopted in 'past' might not work 'now', not to mention future. The key lay with 'truth' - always true irregardless to environmental changes. So men need to be 'wise'- observe, make use of known knowledge 'database', apply it. You make use of this 'principle', you are a wise man. Stupid men wait under the tree, hoping to pick dead rabbits. Pick no rabbits, he concludes his bazi is lously.

In 'short' - FS covers heaven, earth, human 's interdependent relationship and principles that govern between each. Religion, in general, is a set of 'common practices' and shared values/beliefs among a community. Religion is always cultural-bound. 'Very sensitive' among each different communities when deal with respective cultural issues - they hold different opinions over same issue! Since FS origins from chinese community, it is 'natural and common'- (don't surprise) that some religions practices being 'incorporated' into fs interpretation for interpreters(like fsms)to gain 'supports' of 'believers'. 'Same language' is the key between the 2 parties. From the various fs school of thoughts, one can tell how these cultural aspects have been incorporated. Today's fs world - has seriuosly and mistakenly been 'mixed up' by the intent to the naive with the 'modernised or improvised side-branches' of the original Taoism, for commercial gains. Make things worst, the 'numbering system' and 'polar coordinate system' have been incorporated by the intent adding complexity to FS world. So, be able to back to the original and simple help.

Absolutely. Do you undertstand the term calls 'cost of borrowing'? or 'cost of capital'. Present schs seem encourage schoolers to spend and spend, never teach to identify and differntiate between 'needs' and 'wants' properly, and its consequences. Children always say I 'want' this, I 'want' that.... What i want to say, the bottom line is, if you don't have the cash saving for the COV and 20% payment, you should not jump into residential property market - big ticket item needs long term financial commitment - are you ready? Unlike buying a car previously, once default the most kena tow back. Mortgage loan application require one to fill in present financial liabilities and earning capability. Just compare the cash inflow and outflow rates, bank can tell immediately your 'standing'. In more secured way as what i did in the few past instances, i sticked to UOB, because i have cash in the account 'par par' for them to see. They approved immediately.

If you are lender, would u lend such to the borrow? All concerns 'risks'-cost of lending. Banks deem too high the risk to lend, so as to speak. We are in commercial world, work harder!

6k only, guranteed work? Certification?. If money can do the job, just let it does to its full! I'm afraid you have to do this 'job' to yourself - she will tell you this by paying her 6K.

Sound rather academic. Any application example with actions understand by layman? I also want to activate the 'best of the best' energy only, but how?

We adopt UK's common law system, so as to speak, with independent judges....will be a fair trial i supposed. The contract imposes duty demand for businessmman to pay in full amount in due time, agreeable between buyer and seller. The contract also imposes duty demand on FSM to deliver product/service in good condition and in good faith. Owing to this demand, businessman thus has right, either to reject product in full, or request to make good to product with conditions impose on fsm. But fsm said businessman must pay additional $xxxx? in order to receive a 'one-piece' product - what is this condition called? On what ground? In Singapore, cost of legal action amounts to abt 25% of worth of subject matter argued upon. Worth? Image? Reputation? Promotion? If 'win' then all become positive, if 'lose' the case? Will lose more! For fsm.

How come can't find the dated 10/3/13 post? He is in 'heaven', perhaps wishes to taste the tastes of '****'.