All the ut guy cannot accept failure in the plan, they are the fool that fool the rest of the world. Why should Ayam want to get fooled by their setori from a fool that follow the fool step

White cat or black cat, does it really matter, as long as she can catch the rat?

Come all, come all, this is another good month. UTF all naik naik naik. Even the Selina Reits also naik wor, Ramjade, catching up on Manureits liao....

For those of you gaiz and gurls who kept pumping in monneh in early July, I know you will be very very happy! 

Xuzen

I FINALLY had to reset my always-hanging Asus laptop as it hung during the initialization stage and couldn't do the usual Auto Repair & Auto Restore too
- but lost my 2013 Home Office and many favourite files/apps as it only saved SOME and NOT ALL my files ...sighsssss 

Q: How to get FREE Office to see my old Word Docs or Excel stuff or to type future docs etc ?
HELP ....
As a bankrupt I don't own any CCs or ATM Card that can do online transactions anymore, so CAN'T do any Online Purchases etc .....sighs not even for Free Trial stuff (still need a CC for the SignUp even if free trial etc).....
Anyway what I want to say to TS is

You are SO much luckier and better off than me

1. You STILL have a very reasonably-paying PME Job & younger
2. You are on the DRS for your unsecured loans - so only a matter of TIME before all your debts are cleared here - so CHEER UP !
3. GOOD Relationships are great to have - but you should learn to Be Happy with yourself and love your own company too ... I have had a great almost 30-year relationship but am happily single again since the amicable break-up 8 years back

This TEMPORARY "hard life" is NOT forever - so buck up ! 

Some clarification sought from you :
1. Are you 3rd-party barred by CCS from entering RWS and MBS due to the DRS ?
2. Are you paying the banks a much reduced 5% pa interest on the DRS ?

WHY I say I am worse off than you even tho' there are similarities in our stories - of also racking up a hefty 200k unsecured debt from BOTH CCs=Credit Cards and Credit Loans and also Trading Calamities .....

1. I am much OLDER than you in my very very late 50s and virtually ZERO HOPE of ever securing any PME Job - even much lower 3-4k pay is impossible with my bankrupt status I feel
AGEISM exists esp in the CS/Gov-linked and top PME jobs
Now got glut in law too (and also medicine if you aren't a specialist - need to compete with cheaper younger FTs in polyclinics etc)

2. My previous PME Conveyancer position always kena retrenchment whenever the property market is bad - have been retrenched TWICE

1st Retrenchment in the 2000s when I stayed jobless for 5+years
(2004-early 2009) 
I largely enjoyed myself then with LOTS of travelling with the rich ex bf paying for lots of my travelling expenses whether travelling with/without him
I also had a modest freelance easy job - via fax from home + more savings

During the Tail-end of those 5 years, I got myself into Warrant Trading on Volume (profit on mere 1-2 cent movement as recommended by a friend)
Initially made quite good profits until that fateful morning in 2007 (?)
I had already got 7k paper profit but didn't sell before going out for a lunch appointment in Orchard with some ex-colleagues - remember it rained heavily
US Sub-Prime Crisis ... should have sold off IMMEDIATELY to cut profit/loss but stupidly didn't
----> eventually from Manageable to Unmanageable Losses of think still-below 100k region
Broking House gave me some time to pay up gradually but finally threatened bankruptcy - I staved off this threat by borrowing small loans from several friends (as was not able to sell an inherited asset at the price we wanted until much later)
That was my very 1st Trading Calamity !

And after my 2nd Retrenchment in 2014
That same trading friend urged me into CFD Trading as my means of survival or generating replacement PME job income to service my high unsecured debts to the banks
I was lured into taking up so many credit cards and loans from mid 2009 to 2014 & led a very YOLO lifestyle etc .....
I did generally well with the Dow Jones Index (esp during last Aug free fall) but got played out badly by the STI and HSI/Shanghai Index (too leveraged)
Ended up with Margin Calls which virtually wiped out my CFD Trading Capital

To avoid the HUGE Stress of finding funds to pay the banks promptly EVERY Month, after weighing the Pros & Cons decided on the last resort of filing for my own bankruptcy last year !
Imagine the PEACE OF MIND and huge load off my shoulders
- no more worrying over where to find the $$ to pay the banks each & every month
- nor my morbid fears of the family being harassed by debt collectors or with WSS threats/hassles etc
Since I was jobless and my total debts exceeded the DRS 100k limit, DRS was not a possibility nor available to me
So bankruptcy seemed like a Sensible Option in MY set of circumstances
(Basically just waiting till 65 to live on cpf payouts - if possible still hope to get reasonable suitable part-time non-PME job for my pocket money & to pay off Target Sum 27k [which is like mere 10-14% of my total debt 200k region] to the OA at the end of 5 years to get bankruptcy discharged ....
of course BEST if tio big toto windfall  )
My Bankruptcy = Consequence of 2nd Retrenchment cum Trading Calamity !
3. Being Single again

I am happy with my own company altho' I do meet-up with my friends frequently to catch up with each other (have both married & single friends)

I would say I'm again in INVOLUNTARY Retirement [from retrenchment] - as already Age 55 WAS the ORIGINAL Official Retirement Age
(Can say I have enjoyed Early Retirement for 5+ years earlier in my 40s too)

We must always try to find the Silver Linings in life
Be Optimistic !

Ut guy basically has zero idea about what is the effective rate the last time and the rate today yet they are readily to put the blame on the rest of the fool when thing went fooled by their foolishness. Why should Ayam take their fool and get another fool?

Why not play bitcoin and crypto currencies? That one definitely won't leave sex to old age.... in fact it's multiple times per day 

No mah, just trying to help you make more $$. Unit trust for speculation far less rewarding than stocks, options and commodities or exotic instruments. Would love to see you on those threads showing screenshots of big investments too 

Can you? Mr One-hit-wonder!



Will you be remembered as Mr McFerrin? Only one hit song in his entire singing career?

Xuzen

with the variance of % allocated...so will the result......

for a new account holder and for one who have reached financial freedom, you seem to be full of yourself. oh well players like you come and go in this thread. you remind me of a bag pipe. lots of sound and full of shit

just a note to newbies lurking around....
please know what is happening or going on before you blindly follow......

As markets are constantly in a state of flux with opportunities and risks rising and falling, investors need to be ready to make the necessary adjustments to their portfolios to ensure they are positioned appropriately for the future.