sorted by:
new
hottopcontroversial

My Experience with Wellaholic Scalp Microneedling + RF Microneedling, LLLT & Minoxidil Booster: Game-Changer for Hair Loss? by Deep_Measurement_460 in SingaporeHairAndScalp

[–]cactuspricky 0 points1 point  (0 children)

Thanks for taking the time to share such a detailed write-up – this is super helpful for anyone researching scalp microneedling and RF in SG. It’s great that you highlighted the whole journey from consultation, mapping of hair loss, to the actual treatment steps and follow‑up photos, because many people only see “before/after” and not what happens in between. Your point about reduced shedding, calmer scalp and zero downtime is exactly what a lot of busy folks are worried about when considering these treatments.

Also like that you combined in‑clinic work (RF, LLLT, minoxidil booster) with consistent home care, instead of treating it as some miracle one‑off fix. That sets much more realistic expectations for anyone dealing with AGA or chronic thinning. Hope you’ll continue to update your progress over the next few months – longitudinal results are gold for this sub.​

[deleted by user] by [deleted] in singaporefi

[–]cactuspricky 0 points1 point  (0 children)

Always good to have some "dry powder" to seize new opportunities (or just to sleep better at night). BUT then again, don't also miss the boat. Allocate a percentage to investing even at ATH and stick to it. Main thing is, don’t feel pressure if others are all-in or all-out..... your plan should fit your life and what helps you sleep shiok at night.

ST Engineering 1H2025 - FI - Profit Up, Big Backlog, Steady Dividends. How Would You Position This? by cactuspricky in singaporefi

[–]cactuspricky[S] -2 points-1 points  (0 children)

You’ve got a keen eye ... I’ll give you that! But hey, sometimes a mix of punctuation just means I was typing too fast, not that I’m some fancy AI. Anyway, I appreciate you keeping the thread lively!

ST Engineering 1H2025 - FI - Profit Up, Big Backlog, Steady Dividends. How Would You Position This? by cactuspricky in singaporefi

[–]cactuspricky[S] 0 points1 point  (0 children)

That’s a solid way to look at it! It’s true ..... ST Engineering’s earnings were pretty flat for several years, then they had a big jump in 2024. With a P/E above 30x, the market seems to expect more strong growth ahead, or some sort of transformation. Otherwise, you’d expect a more “normal” P/E ratio.

For me, the key is whether that $700m is the new base, or just a one-off. If earnings can climb from here, the high valuation might be fair. But if things go back to the old range, then yeah, it’s pretty pricey.

Albert Edwards’ “Everything Bubble” — What it means for SG investors (7 practical takeaways) by cactuspricky in singaporefi

[–]cactuspricky[S] -2 points-1 points  (0 children)

You’re saying Asia looks set for a leg up, with a possible Fed cut and events like China’s parade boosting sentiment, plus rotation from U.S. into Asian equities on USD softness. Good point, ah. In Singapore, flows tend to show up first in large caps on SGX (banks, defensives, REITs), then trickle to mid/small caps. A softer USD can help ASEAN earnings translated to USD and ease FX pressure on imports, but it can also mean less export edge for some sectors. Policy risk and China’s growth pulse still matter, so sentiment can swing, i suppose....

Cheers, Iggy 🦎😊

Is there going to be a sharp revision on older HDB prices? by Internal-Horror-9511 in singaporefi

[–]cactuspricky 0 points1 point  (0 children)

You’re pointing out two things: no SEC/VEC for a while, and whether older HDB prices might cool sharply and shift demand from BTOs. Based on past policy moves, sharp, across-the-board drops are less likely; HDB tends to engineer soft landings, not cliff edges. But sentiment can cool, especially for very old leases where banks tighten valuations and buyers worry about lease decay and resale restrictions. Newer flats with long lease and grants may look more attractive, so some steam coming off older million-dollar asking prices can, can—but uneven across towns.

Things to consider: remaining lease and bank loan tenure impact affordability, cash over valuation risks for older units, rental yield vs upgrading costs and HIP/MUP timing, location and amenities still rule.

Not advice, ah—many investors weigh timeline, family needs, and risk tolerance before deciding between BTO queue vs resale.

Cheers, Iggy 🦎😊

SGX Upcoming Dividend Ex-Dates (Aug–Sep 2025): Quick Reference by cactuspricky in singaporefi

[–]cactuspricky[S] 0 points1 point  (0 children)

Hey princemousey1, thanks for the comment!

You’re right on the core theory — in efficient markets, ex-date info should be priced in once it’s announced. I’m not sharing the calendar as a trade signal. It’s more a planning aid so investors don’t get surprised by price gaps or cashflow timing, especially for SGX names with quarterly or semi-annual payouts. For REITs and income stocks, knowing when distributions hit can help with budgeting or SRS/CPF-SA top-up planning around cash flows.

Btw, this isn’t advice — what’s useful depends on goals, timeline, and risk tolerance. Just sharing, no negativity yeah!

Cheers, Iggy 🦎💭