It is official.

http://www.facebook.com/SMRTCorpSG/posts/821427307878500

Originally posted by TIB429E:

IMO, the feeling of cheapo is there when riding A95..not sure why. 

So far, A22s/A24s already faces some issue. You have the glue filling coming apart(on the A22 doors, can see from the nearside seats) etc. No doubt A95 will become like that sooner or later..Even seats that are not fixed properly are spotted..where's the quality? 

Looking at the Wright, quite surprise that 1 of the WEG flooring starts to come out. Some of them have that creaking sounds too..but they are still surviving well though. 

ADL uses plastic "like toys", aren't the others too? I know many bus fans went to "knock" on the side walls at the upper deck front, but mind that it's hollow..just added for design purpose. After so long, I've only seen the BS Sign having issue..other than that, nothing much. Given that the ADL vibrates a lot, they should shown signs of wear and tear easily if their bodywork quality is poor. 

I can say that if ADL buses is bodied by GML, the bodywork will sure giveway soon. A95 is lucky that the bus is quiet and less vibrative, the impact taken is lesser than A22s..

One of your "good" quality Enviro 500s taken when it was a month old. Seems that your comment on things not being fitted properly is applicable here.

I think you have to realise asthetics is a separate issue to the structural issues that concern the buses. An Enviro may look nicer than a Gemilang, but the E500 body structure just doesn't seem as strong as even a China bus. Even China buses don't produce that kind of creaks. The bus just doesn't feel as safe as it should be for passengers.

Well, the Enviros are still new, we will see what kind of condition they will be in when they are the age of the PSV (CDGE) B9TLs. And The PSV B9TLs don't have that kind of creaks from the body, its a strong body just that it has a vibration issue. 

I doubt the Enviro 500 body will last, structually that is, regardless of who is assembling it. And have you seen the quality of the roof sheeting from above, its atrocious, never seen a new bus with such wavy roof before. You want to know why Gemilang and Wright doesn't have this? Because Wright and GML don't roll the roof sheeting onto the roof structure, the technology used by Wright and GML are similar (if I'm not wrong, the Alusussie technology), and involves properly and precisely (ie machine) bending the metal to its required shape, instead of just rolling a sheet of metal and affix it (most likely with SikaFlex) to the roof structure.

keep within speed limits, meter jump faster?

myth or fact?

Look, every car got it geometrical structure designed to maintain, u can change rim to lower one, but you will be slow, take up more fuel, and work the engine more leading to many other failure as this is no conform to the designed structure, and when you get banged…aiyoyooo…the taxi companies found out about the alteration or modification, good luck.

Almost everyday , you will see advertisements of properties for sale in Malaysia , Iskandar developments , Penang , Malacca etc , Thailand in Sukumvit , Pukhet, Australi and New Zealand, UK apartments in London andeven coastal bungalows in Indonesia.

Most of these properties offered are residential properties and some Sohos and commercial properties. Some even promise gaurantee returns for two years. In Johore forexample prices have rising by more than 100% since two years ago and about 30% higher within the last 6 months.

All these developers ar etapping into the Singapore market which is flush with funds . Singaporeans who find that investing in Singapore properties are becoming too risky because of the all time high prices, and ridiculous prices which local developers , agents and speculators are asking , now turn to these overseas foreign properties ,

At exhibitions, tens of millionsof overseas properties are sold on the spot! Are singaporeans making the right moves?

bump

Can charge CBD surcharge anot? Because these 2 buildings, you can enter through a small road into a back lane which many paxs called you to pick them up. Can enter the rpad without paying ERP. 

These 2 places can the CBD surcharge apply? 

How come Jit poh building and cbd can talk until tua neh neh …???

Back to CBD lah, now many Uber and grab pirates.

Ever wondered what goes on behind the scenes in a bus depot? Join us on A Bulim Carnival Day, where you and your family can go on an exclusive tour of the Bus Depot, enjoy great performances and take part in fun activities throughout the day!

https://www.facebook.com/events/1058674474172220/

who else is going? will we get to see the what sg plate bus?

These New York Taxi Drivers Nailed Their Sexiest Poses For A Charity Pin Up Calendar

Philip and Shannon Kirkman shot this drool-worthy calendar featuring some of New York’s finest taxi drivers and it is raunchier than ever before.

Shannon Kirkman / Via nyctaxicalendar.com

Reallllllllyyyy raunchy.

Shannon Kirkman / Via nyctaxicalendar.com

LIKE NSFW RAUNCHY.

Shannon Kirkman / Via nyctaxicalendar.com

The calendar is $14.99 and a portion of the proceeds go to University Settlement, a non-profit that provides immigrants and low-income families with social services.

Shannon Kirkman / Via nyctaxicalendar.com

To date, nearly $50,000 has been donated to University Settlement from the sales of the calendars, according to the Kirkmans.

Shannon Kirkman / Via nyctaxicalendar.com

So feast your eyes…

Shannon Kirkman / Via nyctaxicalendar.com

On these fine men.

Shannon Kirkman / Via nyctaxicalendar.com

Are your hormones in overdrive yet?

Shannon Kirkman / Via nyctaxicalendar.com

Is your heart-rate accelerated?

Shannon Kirkman / Via nyctaxicalendar.com

Brace yourselves for a wild ride…

Shannon Kirkman / Via nyctaxicalendar.com

Shannon Kirkman / Via nyctaxicalendar.com

 

It’s for a good cause.

Shannon Kirkman / Via nyctaxicalendar.com

yalor, if we cannot beat them, curse them lor

As good as brand new. Letting go at $500. Serious buyers only. dont waste my time! Urgent in need of money.

Specs and retail price as on the website:

http://www.canon.com.sg/personal/products/interchangeable-lens-camera/dslr-eos/eos-70d-kit-ef-s18-55-is-stm?languageCode=EN

Call/SMS/Whatsapp: 81699708, philip

Negotiable?

I am letting go of hotel stay at the exclusive.

1.Panoramic King Room (include Refreshing Pacific Club Offer)

2.Club Offer for 2 person

  -acess at level 38

  -champagne Breakfast

  -Afternoon Tea

  -sunset cocktails and canapés

  -late check out until 2pm

3.date on 30 Dec 2015

4.Rate as SGD450 (Pacific website rate at SGD706.20)

5.Price are inclusive of all taxes,there are no other hidden costs

*PM me or email : beekim_5@yahoo.com if interested 

Thank You

nice plus holiday season

UOB + The Body Shop Promotion

spend $80 or more at The Body Shop
(with at least one product must be from the seaweed range)
and pay using your UOB cc/dc and receive a FREE gift pack
(seaweed range cleanser, toner, day cream, facial brush, blotter)
worth $49.90 free!

valid till 20 May 2007

Hi All! Looking to sell off my $80 NTUC Voucher @ $72 (10% Discount).

The vouchers are in denomination of $10 & is usable till Mar 2017!

Contact nine6nine69nine15 via SMS/Whatsapp only.

Nice Bump

The thread for part 5 is nearly full, so please continue your questions here.

To moderators, please sticky this part 6 thread. Thank you.

Hi, i am new but I would like to ask a question. Do you guys know of any bus service which used to have double decker or bendy buses?

http://statestimesreview.com/2015/09/15/dpp-kong-hee-is-a-well-practised-liar-and-a-man-without-credibility/

DPP: Kong Hee is a well-practised liar and a man without credibility

Deputy Public Prosecutor Mavis Chionh for the City Harvest Church corruption trial charged that the founder of City Harvest Church, Kong Hee, and his fellow senior pastor that the men are liars and men without credibility yesterday (Sep 14).

Photo of Kong Hee from charismanews

During the closing submissions in Court, the DPP told the court to reject Kong Hee’s testimony by calling him a “well-practised liar” and having “utter lack of credibility”. Kong Hee claimed that he had been acting on advice of his lawyers and auditors, and distant himself from the sham bonds which were used to fund his wife’s doomed music career.

“Far from being a mere figurehead… (Kong Hee) was a meticulous and details-oriented leader whose express approval was needed before the bonds could go ahead”

The DPP later attacked Kong Hee’s second-in-command senior pastor Tan Ye Peng for being a puppet to Kong Hee. DPP Mavis continued to attack former finance manager Sharon Tan as the accused had deceived auditors by altering board meeting minutes.

“The defence’s claim that this was a mere failure of corporate governance arising from ignorance…was absurd, given the sophistication and scale of the church’s operations. CHC was not some struggling new voluntary outfit run by bumbling amateurs with no experience of the financial world.”

DPP Mavis also attacked John Lam who was both the investment committee member and a church board member, for covering up the sham bonds.

Photo of Serina Wee from her blogshop

Serina Wee was not spared from DPP Mavis’s attack:

“(Serina Wee) was arguably the most inextricably involved in all the sham bond and the round-tripping transactions because of the nature of her role as the Crossover administrator.”

PAP MP Edwin Tong and also the lawyer for Kong Hee claimed that every single cent drawn from the bond went into the Crossover project and that Kong Hee and his fellow accused did not make a personal gain. However Edwin Tong did not point out that the one person making all the personal gains is Sun Ho, the wife of Kong Hee.

City Harvest trial: 7 quotable quotes from Friday's hearing

Final arguments for the City Harvest Church (CHC) case were made by both the defence and prosecution in court on Friday (Nov 20).

The defence pleaded for leniency on behalf of the six church leaders, including founder Kong Hee, while the prosecution maintained that they had abused the trust placed in them. 

Some church followers started queuing from the wee hours of the morning to attend the session.

Here are some quotes that stood out:

"ALL OF THEM LOVE THE CHURCH AND MEANT NO HARM TO THE CHURCH WHATSOEVER. EVERY CENT THAT WAS DRAWN OUT WENT TO THE CHURCH. NONE OF THE ACCUSED BENEFITED FROM THE PROCEEDS IN A WRONGFUL MANNER."

- Mr Edwin Tong, lawyer for church founder Kong Hee

Kong Hee with his lawyer Edwin Tong outside the State Courts on Nov 20. ST PHOTO: WONG KWAI CHOW

"HOW MUCH WEIGHT CAN THE GOOD CHARACTER OF A SHEPHERD BE GIVEN IF HE IS ALSO A WOLF AT THE SAME TIME?"

-Deputy Public Prosecutor (DPP) Christopher Ong

"IN THEIR ZEAL, THEY'VE CROSSED CERTAIN BOUNDARIES. BUT FOR THE SAKE OF THEIR YOUNG CHILDREN, WE PLEAD FOR THEM TO BE SPARED JAIL TERMS."

- Letter from 173 church executive members pleading leniency for the accused

"HIS FAILURE IS THAT HE SHOULD HAVE QUESTIONED, AND HE DIDN'T BECAUSE HE TRUSTED HIS SPIRITUAL LEADERS."

- Mr Kenneth Tan, lawyer for ex-CHC finance committee member John Lam

"SHE'S A FOLLOWER, ALTHOUGH SHE WAS ON THE BOARD FOR A TIME. SHE WAS NOT A PRIEST COMMANDING RESPECT IN COMMUNITY AND WIDER SOCIETY. BEFORE SHE WAS CHARGED, IT IS SAFE TO SAY THAT SOCIETY DID NOT EVEN KNOW WHO SHE WAS."

- Mr Andre Maniam, lawyer for ex-finance manager Serina Wee

Serina Wee arriving at the State Courts on Nov 20. ST PHOTO: KEVIN LIM

"KONG HEE CLAIMS TO BE REMORSEFUL AND SORRY FOR THE CRITICISM THE CHURCH FACES. HE HAS NOT ACTUALLY SAID SORRY FOR HIS PART IN THE OFFENCES."

- DPP Christopher Ong on Kong Hee

"IN A WAY, THE SECULAR SYSTEM MIGHT NOT REALLY UNDERSTAND THE SPIRITUAL REASONS FOR THIS PROJECT. IT MAY BE QUITE CONTROVERSIAL AND PEOPLE MAY THINK (KONG'S WIFE, MS HO YEOW SUN) IS TRYING TO GAIN FAME AND ACHIEVE STARDOM BUT THAT'S DEFINITELY NOT THE CASE."

- Mr Tan, who has been with the church for a decade, started queueing outside the State Courts at 3am

ST

SBS6314G (CGBP 20) on 20: Blk 135 -> Tampines Int

SBS8527X (BNDEP 38) on 38: Tampines Int -> Opp Blk 135

And this will be all my rides as I spend my NY day working at home. Haiz.

Rides 20/11
SBS8479B 17 Bedok North Ave 4 to Bedok Int
SBS3035G 7 Bedok Int to Changi Rd
SBS9641S 30 Changi Rd to Mountbatten Rd
SBS9481L 12 Mountbatten Rd to East Coast Rd
SBS9591C 14 East Coast Rd to Upp East Coast Rd
SBS7367Y 14 East Coast Rd to New Upp Changi Rd
SBS6792J 38 New Upp Changi Rd to Bedok South Rd
SBS7390D 197 Bedok South Rd to Bedok Int
SBS2826Y 228 Bedok Int to Bedok Reservoir Rd
SBS6566X 66 Bedok Reservoir Rd to Ubi Ave 2
SBS3295Y 8 Ubi Ave 2 to Macpherson Rd
SBS7679Y 151 Macpherson Rd to Jln Toa Payoh
SBS5236E 139 Jln Toa Payoh to Balestier Rd
SBS7301L 21 Balestier Rd to Bedok Reservoir Rd
SBS8260P 66 Bedok Reservoir Rd to Bedok North Ave 3
SBS6485X 17A Bedok North Rd to Bedok North Ave 4

SBS7322B on 132

SMB3611C on 188

Cameo 20/11
SBS7406T 5(BNDEP 2)
SBS3035G 7(BBDEP 196)
SBS3295Y 8(BRBP 88)
SBS3817S 8(BNDEP SP)
SBS9649X 8(BNDEP SP)
SBS9522C 9(BNDEP SP)
SBS7437D 10(BBDEP SP)
SBS8571S 10(BNDEP SP)
SBS9634M 10(BNDEP SP)
SBS3451M 12(BNDEP 2)
SBS3897K 12(BNDEP SP)
SBS7376X 12(BNDEP 7)
SBS9481L 12(CGBP 10e)
SBS8690G 13(AMDEP SP)
SBS3087G 14(BBDEP 10)
SBS3605L 14(BBDEP 74)
SBS7334S 14(BBDEP 147)
SBS7367Y 14(BNDEP 196)
SBS9591C 14(BBDEP SP)
SBS9647B 17(BNDEP SP) replace 3689U 21S
SBS8226P 18(CGBP 8)
SBS3942M 21(BNDEP SP)
SBS9641S 30(SLBP 249)
SBS9624S 31(BNDEP SP)
SBS8060A 33(BBDEP SP)
SBS8257A 33(BBDEP SP)
SBS6792J 38(BNDEP 228)
SBS6357H 40(BNDEP 354)
SBS8708R 59(AMDEP SP)
SBS3697X 60(BNDEP 5)
SBS6504A 63M(BNDEP SP)
SBS3865C 64(HGDEP SP)
SBS3895R 65(BNDEP SP)
SBS6566X 66(BNDEP 225G)
SBS5187M 139(BRBP SP)
SBS7679Y 151(BBDEP 165)
SBS7390D 197(BNDEP 7)
SBS3841X 222(BNDEP SP)
SBS6641L 222(BNDEP 15)
SBS6883E 222(BNDEP SP)
SBS9460Y 222(BNDEP SP)
SBS6877Z 225G(BNDEP SP)
SBS8610M 225W(BNDEP 38)
SBS2826Y 228(BNDEP SP)
SBS6427P 518(BNDEP 87)

As part IX reach 2000 posts, we will use part X thread

SBS3072Z(BNDEP 197)
Former: SBST Livery
Current: Esso Synergy(Full Body + Window)(New Gen)

SBS3701S(BBDEP 7)
Former: Jimmy Choo(Full Body + Window)
Current: SBST Livery

Shall we continue here?

By next month December SMRT will be selling Alexander Dennis Enviro500 bus models (1:76). Not sure where they sell, but just check out from SMRT page for more updates!

After each paper, you may post your discussions about specific questions from each paper, here in this thread.

Be sure to get at least 8 hours of sleep the night before each paper (it's actually better to sleep more than mug more the night before), and of course a healthy, nutritious, light and safe meal (nothing too spicy, fatty, raw or dangerous enough to cause vomiting and/or diarrhoea) about an hour before each paper so you've sufficient glucose in your brain.

Alternatively, if you're too rushed to have a meal, at least have some energy snacks (eg. Kit Kat, Kinder Bueno, Snickers, Mars, etc) and a can of isotonic drink (eg. Aquarius, Hundred Plus, H2O, Pokka Sports Water, Pocari Sweat, etc).

And if you've a headache or at risk of getting one during the paper, swallow a pill / tablet / caplet of Panadol, the locally available brand of Paracetamol, ie. N-(4-hydroxyphenyl)ethanamide just before the paper, *provided* you've already safely taken Paracetamol many times in your life, and so you're 100% sure you're not allergic to Paracetamol, which will be deathly fatal for those allergic to it.

Enjoy your papers! ;Þ

Originally posted by nelexus:

Not really sure of the mechanism for Q4d (i).

 

Question says first order with respect to H+ and HMF itself, so i guess the slow step has to involve both H+ and HMF. all i can think of slow step is the subsequent loss of H2O as a leaving group as an Sn1, which i think is reasonable because the carbocation generated is stabilised by resonance away. this means hmf is part of the slow step (the rate determining step) but i couldn't incooperate the H+ in the slow step. not really sure how it goes

This is indeed the trickiest question out of the entire P3 (and arguably P2+P3 too). Well done, your mechanism is correct. The thing you now need to figure out is, do you know why your mechanism obeys 1st order kinetics for both H+ and HMF? ;Þ

As someone who learned programming myself, I can tell you that while the plethora of online lessons offered by Codecademy, Code School, and Coursera are great, nothing beats sitting down together in a room to learn from an experienced hand.

While online courses are convenient and fun, it lacks the social element and peer motivation that powers a learner to the end. In other words: you’re more likely to give up.

In Singapore, there are several options if you’re looking to learn programming in a classroom setting. Here’s a list of places that offer such courses.

See: Learning to code? I did it for 2 years – here’s what I learned

General Assembly

General Assembly launched in Singapore recently, and is a fairly well-known brand in startup education. It offers eight to 12 week full-time courses in web development, user experience design, and soon, Android development. It also has eight to 12 week part-time courses focusing on back-end web, front-end web, and iOS programming.

Other non-programming but startup-related courses include data analytics, data science, digital marketing, product management, user experience experience design, and visual design.

The full-time immersives will set you back upwards of S$10,000 (US$7,070) while the part-time courses cost north of S$3,500 (US$2,474).

Location: The Working Capitol, 1 Keong Saik Road, Singapore 089101

The Pragmatic Lab

The Pragmatic Lab has been around since 2011, and was recently acquired by Alpha Camp, a similar school from Taiwan. It has three offerings: iOS, Android, and web programming (focusing on HTML and CSS). Courses cost between S$750 (US$530) to S$2,200 (US$1,555), and can be taken full-time or part-time.

Location: Ming Arcade, #05-01, 21 Cuscaden Road, Singapore 249720

Alpha Camp

Alpha Camp runs courses in Singapore now. It has a learn-as-you-build 6-week part-time course for beginners to turn their ideas into an iOS app, as well as a deeper 10-week bootcamp that incorporates web or mobile programming with digital marketing and general startup skills. Pricing details have not been released yet.

Location: To be confirmed

StackUp

StackUp is a new initiative by the National University of Singapore’s Institute of System Science to teach beginners how to code. Three courses are on offer, taking a student through building a web app, creating both the frontend and backend, and using APIs. Pricing undisclosed.

Location: To be confirmed

SAE Institute

If your goal is to make your own game, SAE Institute is an option. This is the Singapore branch of an education franchise from Australia which was founded in 1976. It offers part-time and full-time diploma and degree programs in games development. The full-time route will take a year to complete, and it’ll cost about S$20,000 (US$14,000). A part-time option is available for the degree program.

SAE also offers a part-time iOS programming course lasting four weeks. It costs S$1,250 (US$883).

Location: The Riverwalk, 20 Upper Circular Road, #01-42/49, Singapore 058416

Tinkercademy

If you’re into hardware hacking and Arduino boards (an open source circuit board equipped with sensors), Tinkercademy has something for you. While the company primarily runs courses for students in partnership with schools, it has some light one-off lessons in Arduino programming for the public.

Location: Infocomm Development Authority of Singapore, 10 Pasir Panjang Road, #09-01, Singapore 117438

This is an updated version of the original article dated September 17, 2013.

This post Newbie programming courses in Singapore to whet your appetite appeared first on Tech in Asia.

As someone who learned programming myself, I can tell you that while the plethora of online lessons offered by Codecademy, Code School, and Coursera are great, nothing beats sitting down together in a room to learn from an experienced hand.

While online courses are convenient and fun, it lacks the social element and peer motivation that powers a learner to the end. In other words: you’re more likely to give up.

In Singapore, there are several options if you’re looking to learn programming in a classroom setting. Here’s a list of places that offer such courses.

See: Learning to code? I did it for 2 years – here’s what I learned

General Assembly

General Assembly launched in Singapore recently, and is a fairly well-known brand in startup education. It offers eight to 12 week full-time courses in web development, user experience design, and soon, Android development. It also has eight to 12 week part-time courses focusing on back-end web, front-end web, and iOS programming.

Other non-programming but startup-related courses include data analytics, data science, digital marketing, product management, user experience experience design, and visual design.

The full-time immersives will set you back upwards of S$10,000 (US$7,070) while the part-time courses cost north of S$3,500 (US$2,474).

Location: The Working Capitol, 1 Keong Saik Road, Singapore 089101

The Pragmatic Lab

The Pragmatic Lab has been around since 2011, and was recently acquired by Alpha Camp, a similar school from Taiwan. It has three offerings: iOS, Android, and web programming (focusing on HTML and CSS). Courses cost between S$750 (US$530) to S$2,200 (US$1,555), and can be taken full-time or part-time.

Location: Ming Arcade, #05-01, 21 Cuscaden Road, Singapore 249720

Alpha Camp

Alpha Camp runs courses in Singapore now. It has a learn-as-you-build 6-week part-time course for beginners to turn their ideas into an iOS app, as well as a deeper 10-week bootcamp that incorporates web or mobile programming with digital marketing and general startup skills. Pricing details have not been released yet.

Location: To be confirmed

StackUp

StackUp is a new initiative by the National University of Singapore’s Institute of System Science to teach beginners how to code. Three courses are on offer, taking a student through building a web app, creating both the frontend and backend, and using APIs. Pricing undisclosed.

Location: To be confirmed

SAE Institute

If your goal is to make your own game, SAE Institute is an option. This is the Singapore branch of an education franchise from Australia which was founded in 1976. It offers part-time and full-time diploma and degree programs in games development. The full-time route will take a year to complete, and it’ll cost about S$20,000 (US$14,000). A part-time option is available for the degree program.

SAE also offers a part-time iOS programming course lasting four weeks. It costs S$1,250 (US$883).

Location: The Riverwalk, 20 Upper Circular Road, #01-42/49, Singapore 058416

Tinkercademy

If you’re into hardware hacking and Arduino boards (an open source circuit board equipped with sensors), Tinkercademy has something for you. While the company primarily runs courses for students in partnership with schools, it has some light one-off lessons in Arduino programming for the public.

Location: Infocomm Development Authority of Singapore, 10 Pasir Panjang Road, #09-01, Singapore 117438

This is an updated version of the original article dated September 17, 2013.

This post Newbie programming courses in Singapore to whet your appetite appeared first on Tech in Asia.

Does it matter what food you ate? 

End of the day, it's what that makes you full that matters?

Hi there,

I’m currently doing an independent study for my Master’s degree in Thailand. My topic is to study “Factors Affecting Non-Thais’ Perception and Purchasing Behavior Toward Meat Analogue Products”. So, if you don’t mind, please spare a few moments to take my survey on the link below.

https://www.surveymonkey.com/r/MeatAnalogue

Please do not hesitate to contact me for any queries. Thank you very much in advance.

Best regards,
Em

Are you disappointed with the interest earnings you are getting from your savings account?

If you have some spare cash and are thinking about starting your investment journey, we at GET.comwill walk you through the 5 main things you should consider before taking the plunge.

1. Do You Have The Right Mindset?

Many of us have been taught from a young age to save money, so we religiously save a portion of our income each month for rainy days.

However, with the low interest offered on savings accounts in Singapore, it's hard for us to hold on to the value of our money, given that the returns are typically lower than the inflation rate.

Starting an investment journey requires an understanding of the risks involved in investments. If you want better returns, it has to come with a higher risk.

If you think that “losing” money will make a big emotional impact on you, then investing may not be for you.

2. Risk Tolerance

One of the first things you need to understand about yourself is your risk appetite. This will impact the type of investment vehicle you choose.

Lower risk profiles would typically choose fixed income instruments or bonds which are usually principal-guaranteed.

They work in similar ways to a fixed deposit, in the sense that selling your investments before the maturity date will impact the returns you earn.

This amount should be money that you will not need for a while so that there will not be any need for sudden withdrawal.

If you are one of those who are willing to take a bit of risk, you will have more instruments to choose from.

Again, you need to decide what threshold you can tolerate so that you do not sell your investments once you see some losses taking shape.

You might also want to think about managing your wealth in a portfolio perspective – allocating a different percentage of your wealth in various asset classes with different risk.

This can ensure that you do not put all your eggs in one basket and lose everything if one instrument does badly.

3. Trading Is Not Investing

Related to point 2, investing builds on a long term horizon of at least 5 years. This means you will need to be able to let the prices of your chosen investment asset move up and down without any panic to cut losses or take profit.

Studies have shown that the longer you hold onto your investments, the lower the likelihood of losing money.

Those who are looking to making a quick windfall are considered speculators rather than investors, and they usually have a bigger risk appetite.

4. Types Of Investment Instruments

After determining your risk appetite, you can then have a better idea of what investment instrument is suitable for you.

This is a general guide:

Low risk profiles – cash investments such as deposit accounts

Medium-low risk profiles - government bonds, corporate bonds, funds with principal-guaranteed returns

Medium-high risk profiles – stocks, exchange-traded funds, property

Here you can find out how much money you need in order to start investing.

5. Tracking And Review

There's no point in investing if you don't track and review your investment annually. The market cycle changes and different environments can impact your investments.

It's wise to have an annual review to check whether your investments are fulfiling your investment objectives, and check if you need to switch to other instruments that have better potential returns.

Remember to take into consideration the costs of your investment as well, such as any management fees you'll need to pay to fund managers or trading costs.

Costs can eat into your investment returns so it is important to take them into consideration.

Lastly, remember that it is more important to allocate your assets proportionately to your needs rather than spend too much time picking the “right” investment instruments.

A well-balanced portfolio will be able to tolerate market volatility for any one of your instruments, so that you will still achieve protection for your assets.

This article was originally on the GET.com blog at: 5 Things Newbie Singaporean Investors Should Know.

There are other ways of investing, have a read on this blog by sgamazingsuccess which you might be interested in. https://sgamazingsuccess.wordpress.com/2015/11/19/a-job-an-investment-a-future/