Wednesday, May 11, 2022

Monday, May 09, 2022

Case study - continue an existing life policy?

 A policyholder bought a participating policy 36 years ago and paid an annual premium of $800. The surrender value is now $57,389.


He is now age 65 yo. Should be continue the participating policy?

Industrial stocks in Singapore

 I analyzed the industrial stocks in Singapore.

Sunday, May 08, 2022

Wisdom of the Crowd - New Issues


1. Did Elon Musk make the right choice in buying Twitter for $44 billion?
2. Should social media require their users to be authenticated?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

Weakness of democratic systems

 I believe that a country should have an authoritarian govt. It should not be "democratic". Here are my reasons.

Friday, May 06, 2022

Wisdom of the Crowd - New Issues


1. Should the president pardon be used more actively in Singapore?
2. Will America sanction China for supporting Russia?
3. Will the Ukraine war widen to involve other nations?
4. Why does China lock down Shanghai for over a month?
5. Should Singapore implement the online petition platform?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

Wednesday, May 04, 2022

WOTC - HDB flats for rental

 Wisdom of the Crowd: 53% of the respondents said that HDB should continue to encourage home ownership, instead of building flats for rental.

Tuesday, May 03, 2022

HDB - Built to Order (BTO)

 Wisdom of the Crowd: 82% of the respondents said that HDB should move away from the Build to Order (BTO) system and build flats in advance of demand to reduce the waiting time.

Monday, May 02, 2022

Hari Raya package

 he Hari Raya package is available at a special price of $6 (usual price $12) for 3 days only (May 2 to 4).

Enjoy 50% discount.

Wisdom of the Crowd - New Issues


1. Which world leader do you like best?
2. Which foreign minister do you like best?
3. Should China allow Taiwan to become independent?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Asean summit in Washington

 Wisdom of the Crowd: 53% of the respondents expect 3 countries or less to attend the Asean summit called by President Biden in Washington.

Sunday, May 01, 2022

Wisdom of the Crowd - New Issues



1. Is NTUC doing a good job in looking after the interest of workers?
2. Should wages of workers be increased?
3. Should energy price be subsidized for the immediate future?
4. Is it good for the PM designate to prepare a new road map for Singapore.

Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Is LW ready to take over as PM?

 Wisdom of the Crowd: 77% of the respondents said that LW is not ready to take over the office of PM. He is untested and will find the challenges to be beyond his competence.


Thursday, April 28, 2022

WOTC - War in Ukraine

 Wisdom of the Crowd: 60% of the respondents said that Russia is winning the war in Ukraine. 7% said that Ukraine is winning the war. The rest are uncertain.

Wednesday, April 27, 2022

A deferred 10 year annuity

 In this article, I explain how an insurance company can offer a deferred 10 year annuity that is simple for the policyholder to understand and gives a fairly attractive return. It can also allow the insurance company to make a profit.

WOTC - Choice of 4G leader

 Wisdom of the Crowd: 78% of the respondents said that Lawrence Wong is not their top choice as 4G leader.

Tuesday, April 26, 2022

A misleading life annuity policy

 A policyholder, aged 65, was offered a life annuity policy. She pays a single premium of $100,000 and receives an monthly income of $843 (guaranteed) from age 70 for 10 years. There is a non-guaranteed income that varied from $38 to $343.

https://fisca.sg/ArticleDisplay.aspx?ID=1191

WOTC - Will LW be an effective leader

 Wisdom of the Crowd: 75% of the respondents said that LW will warm the seat for somebody else.

Monday, April 25, 2022

WOTC - Handling of pandemic

 Wisdom of the Crowd: 67% of the respondents said that Lawrence Wong handled the pandemic poorly and weakened the Singapore economy.

Sunday, April 24, 2022

WOTC - LW head 4G team

 Wisdom of the Crowd: 66% of the respondents consider LW to be a weak leader and a poor choice to head the 4G team.

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