well thats better than last time. probably have to check again.

is there a waiting list or something? maybe they will contact you if available and so on?

No waiting list. Got units means is yours (whether you have money or not). Based on first come first serve.

my guess the branch u went, the staff not willing to help / trying to get oscar award

last time? last year? if last year. there's a lot unit available. there's so much units available until most of us went broke / no money to top-up

Well, that's my point of view tho. for me at least. you shouldn't generalise all in 1 statement...

You have to understand 1 point. Not every single field works the same! If those studying account finance related or business administration waste their time on not trying on doing investment like you said.... then its really sucks.

On the other hand, take doctor as an example. If HO, no need to say.. Time confirm not enough, they rather sleep, then playing what investment. We take MO as an example. Life as a MO just slightly better than HO. 8 - 5 confirmed. If oncall straight >24 hours. Later post oncall need join ward round. That also depend on what department you are in A and E definitely busy. O and G also sure busy. And the next day 5pm go back rest la. Or writing report, prepare for specialist training... and discussing with consultant. Thing repeats.....

While a more leisure job - teacher. 6 - 2 confirmed. Maybe one of the days 6 - 6 for koko or weekly meeting. Go back around 7, marks paper, prepare lesson plan for next day until 10. Sleep. Now they doing better. Last time under moohy got want online fill up data. need to wait till midnight for server to cool down that even keluar newspaper. Impossible you miss this news. Now that server closed shop already...

I take the 2 jobs above as example because I find them really busy and really time constrain, and yes, they are pretty young too around 24. whats better investment for them? Maybe property? FD? ASX? If they having family... More serious

Well, for student. The Big 3 - Med, Dent, Pharm. I know they really really busy. And hell lot of stuff to study. Don't believe? Ask kkk8787. 8 - 5 confirmed. Make presentation, study, essay writing, case writing, follow up. All takes time. All stress up and I do understand sometime, they go and relax abit via some entertainment...

Who don't want money... Who... For those slack people, lazy people surely wasted. But those are doing the right thing at the right time, persuading their dream, contributing to the community, you cant say them rather earn less so as to have easier life.

Currently i also facing no money to top up leh....haha

now no money to top up & also no units available

so 'win - win" situation

Don't worry boss. No units also.

Try next week....hehe... Waiting payment

Awaiting Thr/Fri

Same , next monday outstation first.

Can top up ?

This post has been edited by yvonne2016: Mar 23 2016, 10:13 PM

Yup
In fact, u can top up anytime
Last day/1st day of each mth top up is to minimize opportunity cost

be reminded that ASM only open on Friday 1st.

ASW & AS1M okay. no problem

I have seen students in many different fields-of-study attending my talks, learning about investments, in Singapore, that is,... I don't need to go around asking them how they managed to juggle their schedule,.. I generalise,..you're right,.. I generalise with NUS students and other SG university students,... If you have indeed done your study to that level and start to drill down to the different courses and how much time that they probaby have for learning investments, then again I wonder why we have such differences between SG students and our students.

Who don't want money ? I can answer that, those who are willing to earn lesser in order to have lesser work and risks,... those are the people who would prefer to earn less money. But again, there no wrong on that - it's their choice.

However,.......................if the day should come whereby, they wished to earn more but does not have the means to do that anymore, then they should not regret it. Opportunity comes but once in life. And such opportunity normally comes when one is young.

Edited by adding : OR,.. another possible scenario in future is they get fed-up doing what they are doing to make a living, and they wished to make their money work harder for them instead of them working hard for the money,... then that's when they would wish they have taken the trouble to learn investments earlier.

This post has been edited by Hansel: Mar 23 2016, 11:30 PM

We should say : ...consistency, peace of mind AND lesser work... - this would be more accurate.

I believe the : 'lesser work' part is the one that is most attractive to investors.

Okay,... I accept your statement above, in bold,... let's see if whatever that I invested in will give me huge losses,... or,.. the ASX will will give me more profits over the,... how long should we measure ??

5 years. Compare it with UT offer by FSM. That should be enough time. Heck 3 years is also enough to gauge a return of a product.

haha...those were the days, well my student days were in the early 2000s, I think now should be roughly the same. But comparatively life as student was way better. Housemen nowadays I think busy yes, busier than other fields yes, but they will have a bit of free time, now slightly overcrowded. But there are always those who managed to Ular. I was in operating room, looking out the window, can see a bunch of housemen under me walking out to eat while u are preparing for operation.
Some fields are more free than others, doctors who go into admin are very free usually. I know a doctor in a district in Johor, was too incompetent, he was assigned to jaga library. haha..that one is very free

Still practice law? Do u give investment talk in KL?

Hi MGM,... yeah,..still 'cari makan',...Sitting at home also susah,..

I don't give any talks in KL,..never thought of it,...just started too in Sgp,... teaching for FREE,... but I kinda like to take abut these things,.. one of my students, an elderly uncle from Marsiling,... said I have a passion for teaching. Perhaps so,...

Haha,... shy to say this,.. not only for teaching for free, I have to provide the venue and the mineral water too,... But I guessed I get satisfaction doing something good for the people,...