Iamwhoiamlah
voted
Hey mooers! ![]()
Lately, I’ve been diving deep into REITs info and getting lots of insights from mooers. Thanks a looooooot! With the trend of Return To Office (RTO), there’s a lot happening that could impact our working style and REITs big time.
Over the past few years, I’ve seen news here and there about big companies globally dropping the WFH policy and encouraging RTO. But even though it’s already 2024, I suppose quite a few people in Singapore a...
Lately, I’ve been diving deep into REITs info and getting lots of insights from mooers. Thanks a looooooot! With the trend of Return To Office (RTO), there’s a lot happening that could impact our working style and REITs big time.
Over the past few years, I’ve seen news here and there about big companies globally dropping the WFH policy and encouraging RTO. But even though it’s already 2024, I suppose quite a few people in Singapore a...
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Iamwhoiamlah
commented on
Recently, I came across the Singapore Retirement Insights Report 2024 from Etiqa Insurance. It mentioned that many millennials and Gen Z are planning to retire early, like in their 50s, and they’re starting to plan now. Considering the rising cost of living and inflation, most of them are looking at investments to grow their wealth and save enough for early retirement. They prefer low-risk options like savings acc...
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![[undefined]](https://static.moomoo.com/nnq/emoji/static/image/default/default-black.png?imageMogr2/thumbnail/36x36 "undefined"){kind=small}
haha definitely, if only rely on cpf, maybe not possible to retire early...
Iamwhoiamlah
commented on
Hey guys,
Just shared a sad story last week: Am I the Only One Who Bought an Apple Watch Two Days Before the Apple Event? But guess what? This sad tale has a twist!![]()
Thanks to a helpful tip from a friend @OneDirection in my previous post, I brought my watch and found back my box and bill to Apple store and managed to return my Apple Watch 9. Since it's still within the return period so i did get the refund. Then I bought the Apple Watch 10...
Just shared a sad story last week: Am I the Only One Who Bought an Apple Watch Two Days Before the Apple Event? But guess what? This sad tale has a twist!
Thanks to a helpful tip from a friend @OneDirection in my previous post, I brought my watch and found back my box and bill to Apple store and managed to return my Apple Watch 9. Since it's still within the return period so i did get the refund. Then I bought the Apple Watch 10...
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Iamwhoiamlah
commented on and voted
Hey, guys![]()
Has anyone noticed that Taobao is now offering an English interface for Singapore users? 🛍️🌟🥰 Have you used it before? How do you like this platform compared with other shopping platforms?
I usually use Shopee and Lazada. They have tons of products, and the prices are kind of low. Plus, there are always promotions like credit card vouchers and promo codes. 📢 But one downside is that some products are low quality. Does anyone else feel the ...
Has anyone noticed that Taobao is now offering an English interface for Singapore users? 🛍️🌟🥰 Have you used it before? How do you like this platform compared with other shopping platforms?
I usually use Shopee and Lazada. They have tons of products, and the prices are kind of low. Plus, there are always promotions like credit card vouchers and promo codes. 📢 But one downside is that some products are low quality. Does anyone else feel the ...
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Iamwhoiamlah
commented on
Hello everyone, on the early morning of September 19, the Fed will announce an interest rate cut policy, which is undoubtedly a major bullish signal for REITs that rely more on crediting operations.![]()
![]()
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Many friends are not familiar with REITs. Let's make a simple analogy. REITs are like a large property leasing company that borrows from banks to purchase properties (such as shopping malls, office buildings, factories, etc.) and then leases them to earn rent. Therefore, REITs are very sensitive to bank interest, which is deeply linked to the company's profit margin.
Since the Fed began raising interest rates continuously from March 2022, up to a peak of around 5.5%, it not only drained global funds, but also significantly increased the operational difficulty of property REITs. Coupled with numerous small, medium, and large enterprises suspending operations, reducing business scale, layoffs, salary reductions, and working from home during the global epidemic, business owners have had to reduce the demand for office space, factories, warehouses, etc. The scale of property leasing demand continues to shrink, dealing a fatal blow to property REITs, which I believe everyone can understand by closely examining the candlestick charts of major REITs over the past three years.
Against this backdrop, the repeated signals of interest rate cuts released by the Fed this year seem to once again revive the spring of REITs. $REITs (LIST3047.SG)$
$ManulifeReit USD (BTOU.SG)$
...
Many friends are not familiar with REITs. Let's make a simple analogy. REITs are like a large property leasing company that borrows from banks to purchase properties (such as shopping malls, office buildings, factories, etc.) and then leases them to earn rent. Therefore, REITs are very sensitive to bank interest, which is deeply linked to the company's profit margin.
Since the Fed began raising interest rates continuously from March 2022, up to a peak of around 5.5%, it not only drained global funds, but also significantly increased the operational difficulty of property REITs. Coupled with numerous small, medium, and large enterprises suspending operations, reducing business scale, layoffs, salary reductions, and working from home during the global epidemic, business owners have had to reduce the demand for office space, factories, warehouses, etc. The scale of property leasing demand continues to shrink, dealing a fatal blow to property REITs, which I believe everyone can understand by closely examining the candlestick charts of major REITs over the past three years.
Against this backdrop, the repeated signals of interest rate cuts released by the Fed this year seem to once again revive the spring of REITs. $REITs (LIST3047.SG)$
$ManulifeReit USD (BTOU.SG)$
...
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Iamwhoiamlah
liked and commented on
Interest rate cuts could have several potential positive impacts on Singapore Real Estate Investment Trusts (S-REITs):
1. Lower Borrowing Costs: S-REITs often rely on debt to finance their property acquisitions and operations. Lower interest rates would reduce their borrowing costs, improving their profitability.
2. Increased Property Valuations: Lower interest rates can lead to higher property valuations. This is because the capitalization rates (used to value propertie...
1. Lower Borrowing Costs: S-REITs often rely on debt to finance their property acquisitions and operations. Lower interest rates would reduce their borrowing costs, improving their profitability.
2. Increased Property Valuations: Lower interest rates can lead to higher property valuations. This is because the capitalization rates (used to value propertie...
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Iamwhoiamlah
liked and commented on
Rising costs
Singapore is indeed an expensive city. For most Singaporeans especially in the lower to middle income groups, the rising costs can be akinly felt in our daily essential needs like food, groceries and transportation costs.
And in recent years due to escalating inflation, there is some spill over impact to foreigners and expatriates working in Singapore opting to rent accomodation in outside/rest of central regions which are comparatively less costly th...
Singapore is indeed an expensive city. For most Singaporeans especially in the lower to middle income groups, the rising costs can be akinly felt in our daily essential needs like food, groceries and transportation costs.
And in recent years due to escalating inflation, there is some spill over impact to foreigners and expatriates working in Singapore opting to rent accomodation in outside/rest of central regions which are comparatively less costly th...
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Iamwhoiamlah
liked and commented on
Singapore while being ranked as either the world's safest country or Asia's wealthiest (per capita), seems to imply that the citizens are living a happy and fruitful life![]()
![]()
, but that is far from the truth due to the income divide ![]()
and ever increasing GST ![]()
(coming to 20% soon including service charge.)
While Im fortunate to come from a family that is virtually immune to these issues, it doesnt change the fact that prices are still higher than ever ...
While Im fortunate to come from a family that is virtually immune to these issues, it doesnt change the fact that prices are still higher than ever ...
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I remember watching a CNA documentary or interview (can't recall exactly) that mentioned buying prescription medication in Malaysia can be significantly cheaper than in Singapore.
From my own experience, I've:
1. gone to JB to purchase over-the-counter medications for elderly family members.![]()
2. tried some massage and wellness services there, which are generally more affordable than in Singapore.![]()
3. bought contact lenses in JB is also an opti...
From my own experience, I've:
1. gone to JB to purchase over-the-counter medications for elderly family members.
2. tried some massage and wellness services there, which are generally more affordable than in Singapore.
3. bought contact lenses in JB is also an opti...
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Iamwhoiamlah
voted
Have u heard? They are increasing the public transport price again![]()
Considering walking or cycling to save moolah and reduce carbon footpront![]()
1. High electric bills due to climate change causing hot weather which results in more usage of aircons![]()
Solution: Try to buy electrical appliances with at least 4✓ using climate vouchers courtesy of the government![]()
Stack it with CDC supermarket vouchers if u still haven't use it![]()
Never pay full price, add items to ...
1. High electric bills due to climate change causing hot weather which results in more usage of aircons
Never pay full price, add items to ...
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