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  1. Today
  2. Want a Better yield, than you can get in New Properties (<4%) ? Currency matters, when you look at alternatives outside PH #1: Here's Shang Properties / update SHNG : P 3.12 : 4.51: 0.196: 6.28% PHP (if you are willing to take FX risk, then some foreign property stocks may be even better) #2: Hang Lung Group, which trades in Hong Kong / update HK10 : $19.58 : 4.47: 0.800: 4.09% > HKD #3: Hui Xian REIT, which trades in HK, but in RMB / update 87001 : $ 3.06 : 12.9: #.280: 9.15% > RMB
  3. JOBS NOT MOBS, Slogan may win the Mid-Terms for Trump & GOP Exclusive — Scott Adams Predicts ‘Greatest Turnout by Republicans, Maybe Ever’ in Midterms "It's the Fun, Stupid!" SANTA MONICA, California — Dilbert cartoonist Scott Adams looks thoughtful in in the lobby of a beachfront hotel on a sunny Thursday afternoon as he tells me that the phrase “jobs not mobs,” which he suggested on Twitter six days before, would be catchy — though he adds that Republicans had not yet used it. Literally minutes later, President Donald Trump tells a rally in Montana: “Democrats produce mobs. Republicans produce jobs.” The president tweets soon afterwards: “#JobsNotMobs.” Win Bigly is not just a review of the 2016 presidential election, but an argument for a new way of looking at the world, through the “persuasion” filter. Adams predicted in August 2015 that Donald Trump would win the Republican nomination for president, based on his analysis of Trump’s persuasion skills. He also suggested that Trump had a chance of defeating Hillary Clinton. At the time, few others agreed, but Adams was correct — and has made several other successful predictions since. His Twitter feed and his morning Periscopes have become essential reading and viewing — and are evidently followed closely by the White House. His explanation: My hypothesis is that humans are primed by whatever they’ve already seen. So if they’ve seen a pattern, they’ve already fallen into it. And one of the patterns Republicans enjoyed in 2016 was having the other side be surprised. And they really enjoyed it — I’m talking about the kind of joy you can talk about over the course of your lifetime. And the Republican personality — I realize this is a gross generalization — is that it’s not always about the talk, it’s about the showing up. Republicans are going to show up. And they’re driven by all the things people are talking about, but you cannot underestimate the fun, either... > also see: https://twitter.com/scottadamssays / 2 / The National Impeachment Referendum on November 6 Could Unleash Mob Rule, or Stop It / 3 / President Donald J. Trump Tweets New Video: #JobsNotMobs
  4. Yesterday
  5. JOBS or MOBS ? Exclusive — Scott Adams Predicts ‘Greatest Turnout by Republicans, Maybe Ever’ in Midterms SANTA MONICA, California — Dilbert cartoonist Scott Adams looks thoughtful in in the lobby of a beachfront hotel on a sunny Thursday afternoon as he tells me that the phrase “jobs not mobs,” which he suggested on Twitter six days before, would be catchy — though he adds that Republicans had not yet used it. Literally minutes later, President Donald Trump tells a rally in Montana: “Democrats produce mobs. Republicans produce jobs.” The president tweets soon afterwards: “#JobsNotMobs.” Win Bigly is not just a review of the 2016 presidential election, but an argument for a new way of looking at the world, through the “persuasion” filter. Adams predicted in August 2015 that Donald Trump would win the Republican nomination for president, based on his analysis of Trump’s persuasion skills. He also suggested that Trump had a chance of defeating Hillary Clinton. At the time, few others agreed, but Adams was correct — and has made several other successful predictions since. His Twitter feed and his morning Periscopes have become essential reading and viewing — and are evidently followed closely by the White House. His explanation: My hypothesis is that humans are primed by whatever they’ve already seen. So if they’ve seen a pattern, they’ve already fallen into it. And one of the patterns Republicans enjoyed in 2016 was having the other side be surprised. And they really enjoyed it — I’m talking about the kind of joy you can talk about over the course of your lifetime. And the Republican personality — I realize this is a gross generalization — is that it’s not always about the talk, it’s about the showing up. Republicans are going to show up. And they’re driven by all the things people are talking about, but you cannot underestimate the fun, either... > also see: https://twitter.com/scottadamssays / 2 / x The National Impeachment Referendum on November 6 Could Unleash Mob Rule, or Stop It / 3 / President Donald J. Trump Tweets New Video: #JobsNotMobs
  6. JOBS, Not MOBS Exclusive — Scott Adams Predicts ‘Greatest Turnout by Republicans, Maybe Ever’ in Midterms SANTA MONICA, California — Dilbert cartoonist Scott Adams looks thoughtful in in the lobby of a beachfront hotel on a sunny Thursday afternoon as he tells me that the phrase “jobs not mobs,” which he suggested on Twitter six days before, would be catchy — though he adds that Republicans had not yet used it. Literally minutes later, President Donald Trump tells a rally in Montana: “Democrats produce mobs. Republicans produce jobs.” The president tweets soon afterwards: “#JobsNotMobs.” Win Bigly is not just a review of the 2016 presidential election, but an argument for a new way of looking at the world, through the “persuasion” filter. Adams predicted in August 2015 that Donald Trump would win the Republican nomination for president, based on his analysis of Trump’s persuasion skills. He also suggested that Trump had a chance of defeating Hillary Clinton. At the time, few others agreed, but Adams was correct — and has made several other successful predictions since. His Twitter feed and his morning Periscopes have become essential reading and viewing — and are evidently followed closely by the White House.
  7. Los Angeles-based street artist Sabo targeted Democrat Congresswoman Maxine Waters and “uncivil” Democrats by placing a print of Waters’ face over Michael Meyers’ on posters for the newly released Halloween movie. Sabo has made headlines over the years creating street art pointing out the hypocrisy of powerful political and entertainment elites and posting pointed artwork around the Los Angeles area. His latest piece puts Maxine Waters on blast for incivility toward Republicans. > https://www.breitbart.com/entertainment/2018/10/19/street-artist-sabo-targets-maxine-waters-after-mobs-harass-republicans/
  8. AGAINST the People: Dem plans

    DEMS to dispense consequences (violence?) to those who disagree with its Agenda Demonrat Leader Nancy Pelosi Spews More Violent Rhetoric: ‘I There’s Some Collateral Damage for Some Others Who Do Not Share Our View, Well, So Be It!’ House Minority Leader Nancy Pelosi (D-CA) told a gathering at the 92nd Street Y in New York on Sunday that there may have to be “collateral damage” to those Americans who do not agree with the Democratic Party agenda. Pelosi was being interviewed onstage by Paul Krugman, the left-wing New York Times columnist and Nobel economic laureate who predicted, the day Donald Trump won the presidency, that Trump would trigger “a global recession, with no end in sight.” In a long, rambling monologue, during which she stumbled on her words and appeared to lose her train of thought, Pelosi said: We have to have total clarity about what we do, when it comes to everything — a woman’s right to choose, gay marriage … whether it’s about immigration, whether it’s about gun safety, whether it’s about climate … I think that we owe the American people to be there for them, for their financial security, respecting the dignity and worth of every person in our country, and if there’s some collateral damage for some others who do not share our view, well, so be it, but it shouldn’t be our original purpose. RESPECT dignity & worth... except for Republicans, or others who disagree
  9. Judge Freezes Creepy Democrat Porn Lawyer Michael Avenatti’s Law Firm With Restraining Order For Unpaid Debts And Back Taxes
  10. The Slow, Painful demise of CPL, "Creepy Porn Lawyer" Every with half a brain detests the self-publicizing Avenatti, who Tucker Carlson and others have dubbed, the "Creepy Porn Lawyer" "... you may recognize this man..." Tucker and Avenatti trade blows in explosive interview
  11. THE POINT of the Point adjustment was... ? (favoring one Race over another - since they look at skin color not the Home environment, or wealth of parents.) R-A-C-I-S-T! Harvard Discrimination Trial Reveals Different SAT Standards for Asian-Americans, the Very Definition of Racism xx
  12. STRONG Friday Close Small co Miner/Explorer Bells... ready to ring again Some bellwethers I am watching ... update : GDX ... update : Last: $20.01
  13. NEOWAVE : Big Bear Market... to start in 2019 (I have received this email from Glenn Neely, Neowave) TIME TO INVEST IN THE NEOWAVE EQUITY FUND Without doubt, 2018 has been the BEST year for NEoWave in a decade! Our success has been the result of extremely high market predictability (which occurs near the end of major Wave patterns) AND our expansion into all major U.S. markets (instead of just the 4 we used to trade). Furthermore, to enhance returns, we now write options premium against Long positions (which allows us to reduce risk and increase income during volatile or less-trendy market conditions) and buy Puts to protect profitable positions. Because of these major improvements in the Fund's investment opportunitites and strategies, I'm SO confident in our future success that - next month - I'm ADDING $300,000 (from my IRA) to my NEoWave Equity Fund account. If you're already an investor, this is a great time to INCREASE your stake. If you're not part of the Fund, now is the time to act - before the S&P begins its final mania phase. Based on clear long-term Wave structure, the next 3-4 year bear market should begin in early 2019 and begin with the largest, fastest decline in stocks we've seen since 2007! Capital PROTECTION will be the name-of-the-game in 2019. For more information, contact Magelan (with NEoWave) or Christine O'Neill (with Financial Solutions Accounting) Sincerely, Glenn Neely NEoWave, Inc.
  14. ONE MORE TIME? "Once more into the Breech? Let slip the Dog, the wh0re?" Ready to go through the 2016 election all over again? Philippe Reines, who worked for Hillary Clinton going back to 2002 and was her senior adviser at the State Department, made the argument to Politico Friday that the former Democratic nominee might actually be the party's best hope for defeating Trump in 2020. He said no other Democrat has "anywhere near a base of 32 million people," especially not Sens. Bernie Sanders (I-Vt.) or Elizabeth Warren (D-Mass.). The party, he feels, shouldn't dismiss her as a failed candidate because she's "smarter" and "tougher" than most, and she "could raise money easier than most." But it doesn't sound like this is just wishful thinking on his part. He really thinks it could happen, saying the chances of Clinton running in 2020 are "not zero.” Publicly, Clinton has said she will not run again, but Reines doesn't sound so sure she'll keep her word on that. Politico explored Clinton's careful re-entry into the political arena, noting that she's going on tour with former President Bill Clinton this fall and has reportedly even called up journalists who cover the White House to put out "the occasional feeler." Despite her non-zero interest in public office, her favorability is even lower than it was in 2016. A recent Gallup poll found that Clinton is now polling at 36 percent — five points lower than President Trump. Read more about her political future at Politico.
  15. Financial Adviser: 5 Underrated Dividend-Paying Stocks that you Can ... https://www.entrepreneur.com.ph/.../financial-adviser-5-underrated-dividend-paying-s...
  16. US hit hard by Venezuelan sanctions

    its very funny to see perhaps the biggest geopolitical event since before the UK exited the ERM get virtually no coverage by any news outlet. I mean, its not like they don't care about it, conditions in Venezuela get more coverage than the conditions on an average street corner in the US and UK, which are probably worse. I hear London has reached the point of almost all out civil war. https://www.dailymail.co.uk/news/article-5589895/Gangs-escalating-knife-war-London-streets-awarding-points-stabbings.html
  17. EXCERPTS Carl said “don’t think for a second you will be able to sell. There is 0 market for reselling of used condos in Philippines.” ...we’ve actually facilitated several of these resale transactions ourselves; so by now, we already know this firsthand. THINGS THAT MAKE IT VERY HARD TO RESELL A CONDO UNIT We’ve observed a few common factors that are present in condo properties that are just hard to sell. These are the following. The selling price is not right When I was trying to liquidate my own investment property back in 2012, I had this very wrong assumption that my selling price was very competitive. After all, I checked the prevailing prices of comparable properties online and I offered mine at more than P200,000 lower...It was my naiveté that got me thinking that the P200k discount I offered would alone be compelling enough for prospect buyers to choose my offer over the others... The payment terms demanded by the seller are not competitive When reselling a condo unit, it’s important to consider that the market right now is literally flooded with very easy payment schemes... The property is not in the right place at the right time Location is always an important factor in real estate.... The quality of the property is just bad ...the quality of the property can have a serious impact on your asking price. The quickest way to compensate for this negative aspect of your property, would be to adjust your asking price appropriately. == We get contacted by many owners who, like Carl above, want to re-sell their condo units. Some of them, we take on the project and we are able to resell them successfully. But we turn most of them down. One of the most recurring factors that turns us off is the unrealistic and unreasonable terms of the seller, particularly the price. Many of them want to re-sell their units at prices almost the same or just slightly lower than what developers offer. And they don’t like having to deal with financing stuff.
  18. SECONDHAND Market in Makati - Data points

    https://philpropertyexpert.com/busting-myth-reselling-used-condo-properties-philippines/
  19. The Trailer: Why are 2020 Democrats getting a free ride? Washington Post-11 hours ago Why has no Beat Gillibrand or Beat Warren or Beat Sanders campaign ... independent conservative candidate, Shiva Ayyadurai, who has run a more ... Of the 88,077 voters who have cast a ballot this year but not in 2014, 76.5 ...
  20. The Trailer: Why are 2020 Democrats getting a free ride? Washington Post-11 hours ago Why has no Beat Gillibrand or Beat Warren or Beat Sanders campaign ... independent conservative candidate, Shiva Ayyadurai, who has run a more ... Of the 88,077 voters who have cast a ballot this year but not in 2014, 76.5 ...
  21. xx Scott Adams - Dr. Shiva: Running Against Elizabeth Warren
  22. 3/ I sold that tiny condo (about the size of my temp residence in Makati now), to buy another larger one costing about double the first one. The second one also rose by over 50% in a few years. Eventually, I sold that to buy a 3BR property in London where I moved to. And it went up in value over the years I lived in it PURCHASE STRATEGY : the Key Numbers My thinking was simple: + OWN rather than rent. Don't "waste my (scarce) money paying rent" + BUY A PROPERTY (one that I wanted to live in) and run the numbers carefully, spotting a bargain, by determining when the "after tax cost" of Buying a property using a mortgage was no higher, and maybe cheaper than Renting. This meant that if I stayed in the property and interest rates stayed the same, I would be protected from future rent increases. At the time I was searching the property market, inflation was in the range of 6-8% or higher, and Rents were rising all across NYC. + OBSERVE the likely trend in interest rates, and buy when rates had stopped going high and seemed likely to fall. OVER all those early years, I essentially lived for free, since price appreciation in my Condos was more than I was paying out in mortgage payments. (I can show some sample calculations, if people are interested.) Many people who earn a regular salary have a rule of thumb: "Don't spend more than 1/3 of your salary on Rent or a Mortgage." If price appreciation exceeds my mortgage payments, it means that I am saving at least 1/3 of my income. That's a great way to build wealth
  23. J : Dr Bubb , maybe you can share how you planned for your retirement. Maybe us, some not so young people, can pick up a thing or two. Thank you in advance! DrB: To be honest, I left normal Salaried employment quite a long time ago (before 2000) and have made my living as an investor since then. I have had some terrific years, and some bad years. But overall I have made decent money, and learned a few tricks. Property investing was probably the most stable part of my investing, and investing in risky small mining shares was the most volatile part. I still invest in both, but much more carefully now. I can say more, if people are interested 1/ My first "big score" was a penny stock I bought a year or so out of college, with borrowed money that went up like 4X after I bought it - and was the biggest gainer of the year on the Amex in the year I bought it. The gain provide equity for subsequent property purchases, which I am about to describe. My big score was in the Computer Leasing sector. I spotted a bargain by digging deep into the company's accounting policies. (Any CPA who is interesting can ask me for the details of what I discovered. It may be fascinating for people who like accounting, as a "hobby") I bought a tiny studio apartment in a "crappy" building in a great location 2/ My second important move was buying a (NY City) condo with a 75% loan, which nearly doubled in just 3 years. It happened partly because interest rates were high when I bought it, and declined over the time I owned it. Falling rates allowed people to pay higher and higher prices for a property whose potential monthly Rent hardly changed. The property was secondhand, small (maybe just 22 sqm), and cheap compared to others on the market. It was a bargain, because of a quirk in the tax law that allowed rental apartments to convert to Condo status. I had recently joined a large NY bank, and so I was able to get access to credit, a slightly larger percentage loan than might have been available to non-bank employees. (Access to credit is a key advantage for young people starting out on their pathway to building wealth. Buying a cheap property at a good time in the property cycle is another positive step.)
  24. Retirement Planning: Thoughts on Building personal Wealth (excerpts from a Viber Chat on Retirement planning & other sources) S. recently started a Viber chat about retirement planning. Following are some excerpts LINKS: coming
  25. PESO DEPRECIATION ... against USD / Thinking Global Has averaged 4.55% per annum, over the last Six Years. That is a larger loss than the estimated 4.0% Net Yield* on New Property. In other words, foreign buyers are now relying 100% on Capital Gains!! Timing: PHPusd chg: PSEI +chg% = in$USD -chg% End'12: 41.06 ----------: 5,813 ---------- : 141.57 End'13: 44.38 8.08%: 5,890 +1.32%: 132.72 - 6.25% End'14: 44.73 0.79%: 7,230 +22.8%: 161.64 +21.8% End'15: 46.86 4.76%: 6,952 -3.85%: 148.36 - 8.22% End'16: 49.61 5.87%: 6,841 -1.60%: 137.90 - 7.05% End'17: 49.96 0.71%: 8,558 +25.1%: 171.30 +24.2% 10/19-: 53.85 7.79%: 7,117 -16.8%: 132.16 -22.8% =Aver.-: 6yrs> 4.55%: 6yrs> +3.74%: 6yrs.> -1.11% p.a. Over the last six years since the end of 2012, Foreigners (keeping score in USD) have LOST money on PH stocks. Assuming that their stocks have performed in line with the PSEI. 2/ Absent Capital gains... Foreign buyers thinking in USD are likely to be LOSING wealth on their (new) PH property investments. Are they really going to make Cap.Gains buying New Property at over P200k psm? *Calculation" Estimated PH Property yields, New & Secondhand TYPE------ : PerSqm: EstRent: R- p.a.> GrossY : Cost-: PreTax : @80% New Prop: P 200k : P1,000 : P12,000: 6.00 %: 2.00%: 4.00% : 3.20%: 2ndhand- : P 150k : P1,000 : P12,000: 8.00 %: 2.00%: 6.00% : 4.80%: Target = Min. 8-10% pa Gross: 10.0 %: 2.00%: 8.00% : 6.40%: Compare w/ Interest Rates PH 12mo: PH 5-yrs. : ALTERNATIVE? Buy (select) Property stocks in foreign markets Example: PH-listed vs. My favorite HK-listed "high-yield" Property stocks Timing: PSEI-: HKSI--: ALI-- Yld%D0: SHNG Yl%D1: HK-10 Yld%D2 +Depr.: 87001 Yl%D3 +Depr End'12: 5,813: 22,657: P26.45 0.00%: P3.04 0.00%: $44.05 0.00% +0.00%: $4.15 0.00% +0.00% End'13: 5,890: 23,306: P24.75 0.00%: P3.15 0.00%: $39.15 0.00% +0.00%: $3.86 0.00% +0.00% End'14: 7,230: 23,605: P33.70 0.00%: P3.30 0.00%: $35.20 0.00% +0.00%: $3.48 0.00% +0.00% End’15: 6,952: 21,914: P34.45 0.00%: P3.13 0.00%: $25.20 0.00% +0.00%: $3.33 0.00% +0.00% End'16: 6,841: 22,001: P32.00 0.00%: P3.27 0.00%: $27.00 0.00% +0.00%: $3.14 0.00% +0.00% End'17: 8,558: 29,919: P44.60 0.00%: P3.13 0.00%: $28.75 0.00% +0.00%: $3.15 0.00% +0.00% 10/19-: 7,152: 25,561: P40.90 0.00%: P3.12 8.00%: $19.58 4.00% +0.00%: $3.05 0.00% +0.00% 6yrs.: +23.0% +12.8% +54.6% —— : +2.63% —— : -55.5% ——- : ——— : -26.5% —— : ——— : Disc. : x.763 : x1.000 : x.763 ——— : x.763 ——— : AdjPr : 5,456: 25,561: P31.20 ———: P2.38——— : $19.58 4.00% +0.00%: $3.05 0.00% +0.00% $chg.: -6.15% +12.8% +18.0% —— : -21.7% —— : -55.5% ——- : ——— : -26.5% —— : ——— : === stock-: -Price- : PE-R: -Div.-: Yld-Latest ALI--- : P40.65 : 21.1: 0.480: 1.18% > 0.24 + 0.24 SHNG : P 3.12 : 4.51: 0.196: 6.28% > 0.07 + 0.1255 HK10 : $19.58 : 4.47: 0.800: 4.09% > HKD 87001 : $ 3.06 : 12.9: #.280: 9.15% > RMB In preparing the table above, I used TODAY’s Dividend for all years Depreciation is assumed to be 4.50% per annum
  26. McEwen Mining (MUX)

    McEwen Mining pushes higher, ahead of Gold, Gold shares GLD/Gold -vs- MUX etc.: GDXJ, SLV ... update / Last: $2.31 / GLD-$115.92 : r-1.99% Ratio: MUX -to-GLD : near 2% (a resistance level?) ==
  27. US hit hard by Venezuelan sanctions

    https://www.abrilabril.pt/internacional/venezuela-abandona-o-dolar-substituido-pelo-euro-e-pelo-yuan O governo da Venezuela abandonou ontem o dólar americano. As transacções de divisas no Dicom – o sistema cambial venezuelano – «vão estar referenciadas ao euro, ao yuan ou a qualquer outra moeda convertível», anunciou ontem o ministro da Indústria e da Produção Nacional, Tareck El Aissami, acrescentando que «as sanções de Washington contra Caracas bloqueiam a possibilidade de continuar a usar o dólar americano no mercado cambial venezuelano». Result
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