How to Spot the Exact Moment COE Premiums Bottoming Out

In the 1990s, if you still remember the "Singapore Dream", it was neatly packaged into the 5Cs: Cash, Condo, Credit Card, Country Club, and most importantly, the Car. For some, it’s a status representation, for others, it’s a non-negotiable tool for survival. Young families trying to transport toddlers in the rain, or business owners rushing between client visits. But with COE premiums often swinging more wildly than a volatile tech stock, how do you know if you're overpaying? I have written an excel model just to understand this.

The "Anthropic AI" Sell-Off: What I’m Buying

Lately, everyone is panicking because new AI from Anthropic might replace traditional software companies. This fear caused tech stocks to crash. But while others are panic selling, I started to nibble. I think the market is overreacting, putting great companies "on sale." I have started to add on QQQ Etf to my portfolio. Below I will share the reason why.

Why I Am Not Buying Gold or Silver Now

Gold and silver are having a moment. Prices have pulled back from recent highs, and volatility remains elevated.

This is not a statement about where gold or silver will go next. It is simply a description of how I make decisions—and why, based on that process, I am not adding gold or silver at current levels.

I Buy Based on Deviation, Not Narratives

Gold and silver are often framed around the same set of arguments: inflation, government debt, currency debasement, and geopolitical risk. These narratives are not new. They have existed for decades and resurface whenever prices rise.

What changes is not the story, but the distance between price and its long-term trend. When I look at gold and silver today, I do not see assets trading below their historical mean. I see prices that remain above it.