Is it time to buy US tech stocks?

 US tech stocks have fallen about 40% from the 52 week peak price.

Is it time to buy US tech stocks?

I give my opinion here.
https://fisca.sg/ArticleDisplay.aspx?ID=1227

Service ambassadors at MRT stations

 I met an elderly woman who wore a badge of "Service Ambassador" at the MRT station. She worked part time, 3 hours a day.

I told her that I was probably the person responsible for many people like her, getting this job.

https://tklcloud.com/Feedback/feedback2.aspx?id=5463

WOTC - Resale levy on repossessed flat

 Wisdom of the Crowd: 69% of the respondents said that the owner of a repossessed flat should not be required to pay a resale levy as the repossession was compulsory.

https://tklcloud.com/Crowd2/chart3.aspx?id=2639

WOTC - Compensation to owner of repossessed HDB flat

 Wisdom of the Crowd: 44% of the respondents said that a fair compensation to the owner of a repossessed HDB flat is the current market value. The remainder suggested a premium between 10 to 30%.

https://tklcloud.com/Crowd2/chart3.aspx?id=2638

WOTC - Replacement flat under SERS

 Wisdom of the Crowd: 48% of the respondents said that for owners affected by SERS, HDB should offer a replacement flat nearby for the same remaining tenure. 40% said that HDB should offer a compensation at 20% above the market price and let the owner find a resale flat.

https://tklcloud.com/Crowd2/chart3.aspx?id=2637

Choice of vaccine - 2nd booster

 I am taking my second booster (fourth jab) today.

In my chat group, there was active discussion about choose the type of vaccine for the second booster.

https://tklcloud.com/Feedback/feedback2.aspx?id=5462

WOTC - Work from home

 Wisdom of the Crowd: 71% of the respondents said that only staff who can be monitored by results or who can be trusted should be allowed to work from home. If these conditions are not met, they have to report for work in the office.

https://tklcloud.com/Crowd2/chart3.aspx?id=2636

Universal payment system for small retailers

 I propose this concept for Singapore to promote a universal payment system for retailers. It does not require the customer to have a mobile phone or credit card.

The approach can be used for other countries as well.

https://s3.tklcloud.com/T99/220626150317144_Payment%20using%20NFC%20card.pdf

Life insurance agent sold an unsuitable policy

 My friend asked my advice on the following case.

a) His relative, aged 50, bought a life insurance policy. The annual premium represents more than 20% of the annual income. The policy has a 50 year term

b) The policy projected a return of 8% per annum. The policyholder signed a declaration that she was aware of the high risk. But in actual fact, she did not understand what she was signing. She trusted the agent and signed blindly.

c) The policyholder would not be able to pay the premium after retirement. How could the agent sell such an unsuitable policy?

https://fisca.sg/ArticleDisplay.aspx?ID=1226

WOTC - Install CCTV at home

 Wisdom of the Crowd: 90% of the respondents prefer to work in the office rather than install a CCTV for the manager to monitor their work at home.

https://tklcloud.com/Crowd2/chart3.aspx?id=2635

Wisdom of the Crowd - New Issues

1. Should America have a national law that protects the right for an abortion?
2. Should abortion be allowed?
3. Is adoption a solution to babies born to poor parents?

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

Constitutional right to abortion

 There is a strong controversy in America over the Supreme Court ruling that overturns the constitutional right to an abortion. The new ruling will allow the states to pass laws to ban abortion.

I give my view over this controversy.

https://tklcloud.com/Feedback/feedback2.aspx?id=5461

Use stored value cards for small payments

 https://tklcloud.com/Feedback/feedback2.aspx?id=5460

WOTC - No massacre in Tiananmen Square in 1989

 Wisdom of the Crowd: 59% of the respondents said that there was no massacre in Tiananmen Square in 1989.

https://tklcloud.com/Crowd2/chart3.aspx?id=2631

WOTC - Foreign navy ships in the South China Sea

 Wisdom of the Crowd: 58% of the respondents said that the navy ships passing through the South China Sea are moving too close to China's borders and are a threat to China's security.

https://tklcloud.com/Crowd2/chart3.aspx?id=2632

WOTC - Will Ukraine win back the Donbas?

 Wisdom of the Crowd: 77% of the respondents said that Russia will win and retain control of the Donbas region of Ukraine.

https://tklcloud.com/Crowd2/chart3.aspx?id=2633

WOTC - Low cost wristband

 Wisdom of the Crowd: 71% of the respondents prefer a low cost wristband that cost $2 or less.

https://tklcloud.com/Crowd2/chart3.aspx?id=2630

Wisdom of the Crowd - New Issues

 

1. Should HDB offer a replacement flat for an owner affected by SERS?
2. What is a fair compensation to an owner of a repossessed HDB flat
3. Should the owner of a repossessed HDB flat pay a levy on the current flat

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

WOTC - Wristband with emergency contact number

 Wisdom of the Crowd: 83% of the respondents said that they will use a wristband with an emergency contact number for elderly people or young children.

https://tklcloud.com/Crowd2/chart3.aspx?id=2629

WOTC - Govt is adding to cost of living

 Wisdom of the Crowd: 90% of the respondents said that the government is adding to the cost of living by raising prices, charges and GST.

https://tklcloud.com/Crowd2/chart3.aspx?id=2627