can read more here: http://www.uob.com.sg/personal/investments...ous_metals.html

basically i opened an acc to buy gold (paper though, not physical). gold is a hedge against inflation, so just plan on injection some of my savings there each month.

spread rate is too high to hedge for inflation, how about SG REIT?

hiragana and katakana is simple ,try to remember 2000 kanji's kunyomi and onyomi

try buy japanese newspaper or read japanese news website to improve your grammar and vocabulary

for hearing, rent or buy japanese drama, listen to the conversation without looking at the monitor

for speaking, make new japanese friend?

Just asking for opinion on fixed/time deposit. If you got 5K SGD to set aside, would you rather save it in Singapore bank time deposit with 0.2-0.5% interest, or convert them into RM then saved in fixed deposit with >3% interest rate?

RM higher interest rate, risk of currency depreciation. SGD vice versa. Let's exclude other investment options.

Anyone here work as marine engineer in SG? Wanna ask how's the working environment in marine industry?

tough but rewards is good.

I'm in for basketball / futsal / badminton / paintball!! haha..am liviing at yew tee mrt area..

SGD also got risk for depreciation. I heard the rates has dropped to 2.41? I changed at 2.432 two weeks ago...

If it's the only 5K you have, put it in a SGD FD as you need to protect your capital in SGD... assuming your spending is in SGD. If your spending is in MYR, then bring it back home and put it into a MYR FD.

If it's one of the many 5Ks you have... buy exactly 2 lots of M1. Averaging 7% dividends at current price, blue chip and stands up well in a weak market as telcos are considered to be safe havens (as far as safe havens in the stock market go).

This post has been edited by seantang: Jan 4 2012, 03:57 PM

You are advising him to pick up stock gambling....

Later he see good money there and keep investing and later become "goreng" and earn fast money......

Thanks. Appreciate it. Fees don't look too high (0.25%) and buy/sell spread is minimal .20 on 66.6.

Ok u fancy telcos counters.

For me, i would park my funds at SG banks like UOB or DBS.
SG banks considered to be good investments too, SG banks' administration and management is quite well known and at least 5 times better than of Maybank or RHB in Malaysia.

hougang i only saw some local kids (with a head taller than me) playing.
Pinoys i saw in bedok south road (my old place), inside Bedok View primary school, near to Tanah Merah st.

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Added on January 4, 2012, 4:50 pmU can check out Paya Lebar Kovan Community Club (Map: http://www.streetdirectory.com/asia_travel...el_site_84322/)


This post has been edited by Aloong: Jan 4 2012, 04:50 PM

i always saw 2 groups of youngster play at Feng Shan cc when i go play badminton. But after 8.30pm, the basketball court will be occupied by a group of uncle and aunty to play tai chi.....haha

The will be risk to whether SGD/RM will go up or down, and we will never know with certainty.
Then the next thing to consider is where you will use the SGD5,000 in the future.
If u will use in Msia, then put in RM and vice versa.

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Added on January 4, 2012, 4:56 pmThe prob is with SGD5k u can't buy any bank stocks.
Here u can only invest in multiple of 1,000 units, with prices above SGD10/unit.


This post has been edited by Aloong: Jan 4 2012, 04:56 PM

[quote=Aloong,Jan 4 2012, 04:46 PM]
hougang i only saw some local kids (with a head taller than me) playing.
Pinoys i saw in bedok south road (my old place), inside Bedok View primary school, near to Tanah Merah st.


ya lo, Pinoys active at tampines, bedok area...not north region... but i dun mind, as long as i can enjoy my basketball, who ever also can.

I used to have PBB in Bursa, OCBC in SG and HSBC in HKSE. But since Lehman Bros, bank stocks are no longer considered defensive. Now I've only got HSC left as a China play, but still in the red.

I've moved on to mainly telcos and SPH as defensive plays. In Malaysia, Digi and Maxis... plus my long time (since I started investing my ang pow money as a teen) the evergreen piew tou yum chui (sex gamble drink smoke) like Guinness, Carlberg, BToto, BAT, Genting etc. I also like the Wawasan 2020 bonds... steady 6-7%.

Erm .. I'm a service engineer here...
working environment very tough .. and hours spent very long ..
and eventually you will need to sell your time to exchange for money .
Depends.. some company will have exposure heavy travelling regionally and worldwide.

ok 1 more kaki d for football , more pls

This post has been edited by heavenhell: Jan 4 2012, 08:33 PM

hey i got 2 person here including myself interested in paintball/football/futsal... i'm not tat pro thou....hehe

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Added on January 4, 2012, 8:59 pmbadminton oso ok....but not basketball...i'm too short for a basketball...lols...how bout this saturday??

This post has been edited by Sky_Q: Jan 4 2012, 08:59 PM

football ???