📣 CPF “Reform”: Work a Little More, Own a Little Less, Retire a Little Later~ Of course, they don’t say it like that. They sprinkle fairy dust instead: ✨ “Enhancing retirement adequacy” ✨ “Future-ready planning” ✨ “Stronger golden years” Aww. So sweet. Now let’s gently peel the wrapper. 👇 🔺 More of your pay goes into the “see-you-at-65” box 🔺 Wage ceiling raised (hello, $8,000 👋) 🔺 FRS keeps growing like it’s on steroids 🔺 Touching your money? Please wait patiently till 65 🔺 Take-home pay today? Slightly… thinner 🥲 ⸻ Meanwhile, in real life: 🧾 Bills: 📈 🍚 Groceries: 📈 🚆 Transport: 📈 ⚡ Electricity: 📈 🏠 Property prices: sky-high (Toa Payoh 3-room, $930k 💀) 💸 Mortgage: forever subscription 😰 Job security: fragile 📉 Real income: shrinking And they smile and say — “Don’t worry! Your CPF is growi

The Chicken Hotpot House $CCH Holdings Ltd.(CCHH)$  that recently went public didn’t list on the main Nasdaq board—it rang the bell on the Nasdaq Capital Market, the lowest-tier segment of the Nasdaq Exchange. Think of it as the US version of Malaysia’s LEAP Market: low entry requirements, low minimum market cap, and modest financial thresholds. The key difference? Retail investors can still trade these stocks freely. So when CCHH crashed over 82% recently, it wasn’t because of panic selling. The truth is far simpler—there was almost no liquidity. Trades were thin, with gaps of 45 minutes and even 70 minutes between transactions. In plain E

Picture this: On a stormy Friday in the U.S. markets, dark clouds gathered, thunder boomed, and lightning cracked the sky—just as the AI sector got electrocuted! $Oracle(ORCL)$  $Broadcom(AVGO)$  Oracle kicked off the chaos, tumbling after unveiling a blockbuster plan: pouring billions into data centers to grab a bigger slice of the AI pie. But investors freaked out—"We're spending HOW much?!"—fearing the cash burn would outpace the rewards. It was like betting the farm on a golden goose that might not lay eggs fast enough.  Then came

$Strategy(MSTR)$   $Upstart Holdings, Inc.(UPST)$   $2X ETHER ETF(ETHU)$   $BitMine Immersion Technologies Inc.(BMNR)$   Recent sudden crashes in the capital markets really boil down to one thing: a squeeze in U.S. dollar liquidity. My view hasn’t changed — since U.S. Treasuries are essentially a long-term liquidity drain, there must always be “pipes” supplying water to them. One pipe is the U.S. banking system, and another is the yen carry trade. If both of these pipes dry up for different reasons, then the next pool of liquidity is cryptocurrencies. If that s

Ladies, gentlemen, and everyone currently protecting their savings with their lives… buckle up.  This actually happened to me in January 2025, and I’m still recovering from the whiplash of going from “Is this a date?” to “OMG I’m in an MLM ambush.” I work in an investment bank in Singapore (yes, the soul-crushing, Excel-until-4 a.m. kind).  Early Jan, I’m in a client meeting when the client drags along a “friend who’s just here for support.” Let’s call this specimen Calvin. Tall, razor-sharp jawline, tailored shirt hugging exactly the right places, that quiet-danger finance-bro energy. Think Timothée Chalamet crossed with a wolf of Wall Street. I barely registered him during the meeting… until it ended. He glides over as we’re leaving, flashes the most lethal smile and goes:

$Strategy(MSTR)$   $BitMine Immersion Technologies Inc.(BMNR)$   Yo, crypto fans – BTC's dipping below $96K (down ~1% today, -6% WoW), ETH hovering ~$3,200 (off 7% this week). The slide's got everyone sweating: Is this just noise, or the prelude to a cascade? Eyes on the DCA giants – MicroStrategy (MSTR) and Bitmine Immersion (BMNR). Their "HODL forever" vibes are cracking under pressure. Let's break down the warning signs, fresh as of Nov 16, 2025. Buckle up. The Fear: Liquidation Dominoes? Everyone's whispering: If these whales dump, does BTC crater to $75K or worse? MSTR's got 642K BTC ($61.7B at current prices), BMNR 3.5M ETH ($11.2B). One forced sell? Market bloodbath. But remember – i