Caveat Emptor

The power of reciprocation 1) socialisation and gifts 2) intiate with small favours, get him to say yes, listen to his advice 3) people feel required to reciprocate after accepting freebies (no free lunch) 4) intiate with a large unrealistic request to probe the client. Then zone in on specific request that client is likely to accept To counter Never accept anything that comes free Resist attempt for Interaction Understand gifts as sales device Prohibit employees from accepting gifts

The ultimate banker Knowing the bigger picture as well as depth of line of business Know how to read your boss. Know what he wants from what he says, and what he want when he is not saying anything. Simplify everything when interacting with high ranking bankers. Don't jump into the jungle thinking you are dealing with monkeys, while in fact you are dealing with tigers Know what problems you will run to, make calculated moves, solve the problems Make friends through part time work / internship. Get a recommendation from bankers. Focus on getting in first, then make the right impression to others. Dress and behave like you belong to. Know how to pitch the things you know to the colleagues around you. Connections and recommendations are very important. Be thick faced and ask around. Help people to gain political capital. Network and do things for others. Learn by doing. Establish yourself as someone to be respected. Be a somebody amongst nobody Knowing people at deputy chie

https://www.iras.gov.sg/irashome/Tax-Season-2017-AboutYourTaxBill/ 1) Tax payers are grouped under filing and non filing service. Taxpayers who are unsure whether they need to file a tax return this year can go to IRAS website  2) Personal Income Tax Rebate of 20% of tax payable will be granted to all individual tax residents for YA 2017 (i.e. for income earned in 2016). The rebate will be capped at $500 per taxpayer. 3) Tiered Income Tax https://www.iras.gov.sg/irashome/Individuals/Locals/Working-Out-Your-Taxes/Income-Tax-Rates/ Personal Reliefs Eligible tool https://www.google.com.sg/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0ahUKEwjOhKK7w5HUAhWLRI8KHZurAIYQFggqMAA&url=https%3A%2F%2Fwww.iras.gov.sg%2Firashome%2FuploadedFiles%2FIRASHome%2FQuick_Links%2FCopy%2520of%2520Personal%2520Reliefs%2520Eligibility%2520Tool.xls&usg=AFQjCNGX54DN9mvSJ8MjbrFdhJweuXKq8Q&sig2=w5wEUOjAce6wXmnmaX5UOA&cad=rja Income tax spreadsheet https://www.iras.go

OCBC Stalwart Review I have been buying OCBC shares evey month on a regular savings plan ever since May 2017 when it fell at  7.60 at Mar 2016. I am highly uncertain about the direction of price movements then and used dollar cost averaging to enforce disciplined investing, to buy more when prices fall and buy less when prices increase. I identified it is a good stalwart and dividend stock whom is hit by market cyclical headwinds leading to a irrational crash in price. Since then, Prices have jumped to 10.41per share and I am conducting a review on its fundamentals to decide if there is impact on the  buy / Hold / Sell decision. This stalwart stock has increased by approximately 21% ever since then. Holding 125 shares at dollar cost average price of 9.0753. High Level Summary After review the below, My conclusion is to hold the stock as it is not at risk of bankruptcy and there is future growth to be expected .

https://blog.shareinvestor.com/showing-discipline-when-investing/ Foreword from ShareInvestor This article “Showing Discipline When Investing” by Cai HaoXiang was first published in The Straits Times on 25 May 2015 and is reproduced in this blog in its entirety. Gambling-related psychological tendencies can cause investors to take excessive risk Many months ago, I talked to a young man who was sharing his experiences trading foreign exchange. It was quite the cautionary tale. He was 19 years old then and serving National Service. Influenced by friends who were into investing and trading, he signed up for an online account that allowed him to trade foreign exchange with 400 times leverage. His initial capital was S$2,000 of his own savings.In the forex arkets, the tiniest movement in exchange rates can be magnified. The very first night he traded, he took positions with a S$150 margin such that each pip (0.0001) that moved would gain him or lose him S$3. In other

Ascendas I-Trust Links  www.tradingeconomics.com/india/indicators http://ir.a-itrust.com/home.html https://www.dbs.com.sg/treasures/investments/EquityArticle.page?dcrPath=templatedata/article/equity/data/en/DBSV/012014/AIT_SP.xml http://www.marketresearchreports.com/countries/india http://www.hindustantimes.com/business-news/reits-opportunity-in-india-estimated-to-be-rs-1-25-trillion/story-wBs70nkKOnpla7PO6FGoVJ.html  http://fortune.com/2016/12/13/blackstone-reits-india/ http://economictimes.indiatimes.com/wealth/by-2020-indian-realty-to-provide-77-billion-reit-investment-opportunity-report/articleshow/55703151.cms  http://investmentmoats.com/?s=ascendas+India Yahoo finance, Wall Street Journal, Morningstar, POEMS https://sg.finance.yahoo.com/quote/CY6U.SI?ltr=1 http://financials.morningstar.com/valuation/price-ratio.html?t=CY6U&region=SGP&culture=en_US http://quotes.wsj.com/ACNDF/financials https://www26.poems.com.sg/Stocks/ViewPrice/StockSummary