Neratel sale of payment solution business, is it good?

Disclosure:I am vested in Neratel, so opinion will be biased.

I attended Neratel AGM yesterday, management seems quite confident of expanding the payment solution business(in fact, new subsidiaries were set up last year to expand this business segment), so i was surprised that today neratel announced that a third party has approached it to buy the payment solution business, though no agreement has been reached yet.

If payment solution business is sold, Neratel will lose recurring revenue from lease of POS system. Although the sale of this business will reduce capex, but Neratel turnover will become more unpredictable. Of course, every business is for sale at a good price. Let’s wait for further developments.

April 29, 2016 at 3:06 pm Leave a comment

A year to forget for Minister Khaw

Another major disruption for SMRT. Minister Khaw who recently celebrated 100 days of no major incident for rail travel surely is not pleased now.

Let’s see his incomplete bazi
日主
壬辰    壬子    戊子
大运:癸丑  甲寅  乙卯  丙辰  丁巳  戊午  己未  庚申   
    11岁  21岁  31岁  41岁  51岁  61岁  71岁  81岁  
始于:1962  1972  1982  1992  2002  2012  2022  2032  

Looks like his 忌神 is water. This year forms a 三合水局.

April 25, 2016 at 10:37 pm Leave a comment

王瑞杰是稼穡格吗?

根据维基百科,王瑞杰生日是1961年11月1日.
不完整八字是
辛丑    戊戌    戊戌
大运:丁酉  丙申  乙未  甲午  癸巳  壬辰  辛卯  庚寅   
    9岁  19岁  29岁  39岁  49岁  59岁  69岁  79岁  
始于:1969  1979  1989  1999  2009  2019  2029  2039

稼穡格
“戊己日主,生於辰戌丑未四季月,地支全辰戌丑未土局或純土而無甲、乙、寅、卯者是。成格者以土為用神,忌木來剋,喜火土生助,逢金吐秀氣吉,如遇水為財,必須有金通關。 忌東方運及北方財運,此格喜行西南,忌東北。主人多信、人品重厚豐肥、生財有道,斯為富貴人矣”

如是的话,壬辰运可望再攀高峰。难怪被视为下届总理热门人选。

April 13, 2016 at 10:16 pm Leave a comment

Bukit Batok by-election: Who will win (Part II)

Seems like PAP is sending K. Muralidharan Pillai as their candidate in Bukit Batok SMC by election. From the web, his birthday is 30th Oct 1967. Incomplete bazi is

丁未    庚戌    丁卯 
大运:己酉  戊申  丁未  丙午  乙巳  甲辰  癸卯  壬寅   
    8岁  18岁  28岁  38岁  48岁  58岁  68岁  78岁  
始于:1974  1984  1994  2004  2014  2024  2034  2044 

Looks like his favourable elements are wood and fire. Obviously, he is in good luck period, but so is Chee Soon Juan. It boils down to the exact date and time of election which we don’t know yet, so it is difficult to tell who will win. As a rough estimate, if it is held in the month of 壬辰,Chee has a slight edge over Pillai. If it is held in month of 甲午, Pillai will have the edge over Chee.

March 21, 2016 at 1:33 pm Leave a comment

Bukit Batok by-election -Who will win?

Well, it’s too early to say since candidates standing for by-election in bukit batok are not announced yet. However, judging by Chee Soon Juan’s visit to Bukit Batok SMC this morning, it seems likely that he (or Prof. Tambyah) will run for SDP. Since i don’t have Prof. Tambyah’s birthday. I will just analyse Chee’s incomplete bazi.

壬寅    丁未    己未
大运:戊申  己酉  庚戌  辛亥  壬子  癸丑  甲寅  乙卯   
    7岁  17岁  27岁  37岁  47岁  57岁  67岁  77岁  
始于:1968  1978  1988  1998  2008  2018  2028  2038 

looks like a dry chart requiring water as 调侯。In 2012 壬辰, when water is available plus luck period 壬子, he was discharged from bankruptcy and allowed to compete in elections thereafter.But why, in luck period 辛亥 when there is also water, he did not do well and even went to jail? Don’t forget 寅亥合 and i presume wood(官杀) is not his favourable element. This year is 丙申, if by-election is called in month of 壬辰 forming a 三合水局, then luck is with him and he may do well against his opponent. As for whether he can enter parliament as MP, really hard to tell but there’s a chance as PAP don’t fare well in smc by election in recent years.

March 13, 2016 at 9:55 pm Leave a comment

Guoco Tower Singapore tallest building TOP(Temporary Occupation Permit) in mid-2016-property bubble bursting

Guoco Tower, the upcoming tallest building will be issued TOP(Temporary Occupation Permit) in mid-2016. As the tallest building indicator matches with property burst, expect one happening in Singapore too.

February 13, 2016 at 2:49 pm Leave a comment

The real reason Straits times index is falling

Don’t be misled by the media hype of China slowdown, US interest rate rising, oil price falling. Not that they are not important but the real reason STI is falling is because the competitive advantage(moat) is narrower as big companies like the banks face competition from fintech, SGX face competition from new clearing houses and Singtel face competition from new telco player.

Besides that, singapore property market is expected to slump further this and next year, STI(especially the banks and property counter) is reacting to that.

February 2, 2016 at 3:11 pm Leave a comment

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