SANT RITZ

25/03/2026

The Treasury just declared the U.S. insolvent. The media missed it 🤔🤔🤔

Read:
https://finance.yahoo.com/economy/policy/articles/treasury-just-declared-u-insolvent-151425143.html

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[ 🧭 Today’s Macro Insight 🧭 ]
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🇺🇸 U.S. “Insolvency” — Reality Check
• No, the U.S. has NOT declared bankruptcy or insolvency
• The headline refers to:
• Rising debt (~$38T)
• Long-term fiscal pressure
• But the U.S. is different:
• Can print money
• Can raise taxes
• Can inflate debt away

👉 Conclusion:
Not collapsing - but the system is becoming more fragile and debt-driven

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🌍 What Is Really Happening (Big Picture)
We are entering a new phase:
• Higher debt globally
• Inflation not going back to 2% easily
• Interest rates staying “higher for longer”
• Gradual shift in USD dominance (not collapse)

👉 Key theme:
Slow change, not sudden crisis

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🏠 Impact on Singapore Property
1) Prices — Supported but not explosive
• Singapore remains a safe haven
• Foreign and regional wealth flows in
• But cooling measures cap upside

👉 Stable growth, not boom

2) Interest Rates - Main pressure
• Singapore follows U.S. rates
• Loans remain expensive

👉 Buyers more cautious → slower price growth

3) Rental Market - Strong support
• High rates delay home buying
• More people rent

👉 Rental demand stays resilient
(Co-living model becomes more relevant)

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💰 Personal Strategy (Key Takeaways)
❌ Avoid:
• Over-leveraging
• Speculative buying
• Holding too much idle cash

✅ Focus on:
• Income-generating assets
• Sustainable rental yield
• Strong locations
• Financial buffer

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💡 Strategic Edge
• Inflation environment favors real assets
• Debt (if controlled) becomes a tool, not enemy
• Recurring income is more important than one-time gains

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🎯 Final Positioning Message
“We are not facing a crash scenario :-
we are entering a higher-rate, inflationary, and uncertain environment.”

👉 Those who:
• Focus on cashflow
• Stay financially disciplined
• Position into real assets
will do well.

21/03/2026

Wishing all muslim friends, colleagues, clients a joyful Hari Raya 2026!

As we come together to celebrate this special festival, let’s embrace the joy, light, and hope it brings. May your home be filled with love and laughter, your heart with peace, and your life with prosperity.

>>> Remember

17/06/2024

*Selamat Hari Raya Haji!*

Wishing all muslim friends, colleagues, family joy, peace, and prosperity on this special day of gratitude and reflection. May your celebrations be filled with love, laughter, and *blessings*. Let us cherish the spirit of togetherness and *share the joy* of this festive occasion. 🌙🕌💫

Stay safe and have a wonderful Hari Raya Haji!

14/06/2024

🎯 *FOR RENT*
📬 SANT RITZ @ 1 Pheng Geck Avenue

📍2-Bedrooms | 2-Baths | Fully Furnished | Immediate Available | Rental $4,000

☎️ Eddie @ 81382345
📟 wa.me/6581382345

🌐 https://linktr.ee/sgfindhomeswitheddie

26/05/2024

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26/02/2024

There are discussions circulating about banks struggling to align with property valuations. Some colleagues have remarked that banks are currently unable to match property selling prices. Is this due to the properties being overpriced, or is it a result of the banks devaluing the properties?

🤔Personal Perspective🤔
This observation implies a notable shift in the property market dynamics. Following a sustained period of growth, the recent plateau, coupled with banks' challenges in matching valuations, may signal potential risks or hurdles in sustaining property values.

In my view, it's plausible that government intervention aims to influence banks in lowering property valuations. This strategic move could be a measure to curb speculation and address concerns about housing affordability, fostering broader accessibility to properties.

I predict an upcoming gradual decrease in interest rates, along with the clearance of existing market stocks. The oversupply scenario appears to be gradually moderating, poised to transform into increased demand. Government initiatives, such as releasing more land for sales, may play a role, and developers could actively seek enbloc redevelopment sites to replenish stock. The groundwork seems to be laid for the next cycle of property buying.

As we step into 2024, it seems like another year of uncertainties and challenges. Yet, staying focused and hopeful is key. Let's tackle the obstacles with determination, aiming to come out stronger on the other side. Here's to navigating 2024 with resilience and a positive outlook.

09/02/2024

Wishing you a fiery and adventurous year of the 🐉ragon! May the mighty 🐉ragon bring you prosperity, strength, and boundless joy throughout the year. Embrace the spirit of the 🐉ragon, let its majestic presence breathe life into your endeavors, filling your days with courage and success.

In the year of the 🐉ragon, may you navigate challenges with the resilience and wisdom of this legendary creature, unlocking the treasure trove of opportunities that await. Here's to a truly spectacular and 🐉ragon-filled year ahead!

㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️ ㊗️
🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉 🐉
🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧 🧧
💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰 💰
🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵 🈵

31/12/2023

The beginning of the year is a time marked by renewed hope and aspirations. As the clock strikes midnight, people worldwide embrace the opportunity for a fresh start. Resolutions are made, symbolizing a commitment to personal growth and positive change. It's a time to reflect on the past, learn from experiences, and set new goals for the future. The air is filled with a sense of optimism, encouraging individuals to embark on new journeys and challenges. Whether it's pursuing fitness goals, career ambitions, or fostering stronger relationships, the beginning of the year serves as a blank canvas for self-improvement and the pursuit of happiness.

As we bid farewell to the past and embrace the possibilities of the future, may the coming year unfold like a captivating story, filled with joy, success, and meaningful moments. Here's to new beginnings, fresh opportunities, and the courage to chase your dreams. Wishing all of you a year ahead brimming with happiness, good health, and the fulfillment of all your aspirations.

Happy New Year!

02/12/2023

In 2023, the real estate industry faced unprecedented challenges amid COVID-19 lockdowns and various downturns in the past twoover decades overseen. I'm optimistic that the upcoming year holds the potential for improvement. Facing unpredictable challenges of 2024, maintaining a positive outlook can pave the way for resilience and opportunities.

Grateful for the unwavering support of family, my fellow team-mates, my boss Desmond Koh, my agency PropNex Singapore, and the trust bestowed by all friends and clients. The gratitude I feel for the steadfast support and trust is immeasurable.

10/09/2022

⭐️🌟💫May the glow of the moon light bring along good fortune, happiness and a harvest of smiles for you and your family 💫🌟⭐️

🌜Happy🌕Mid✨Autumn🌕Festival🌛

05/08/2022

✔️ More willing to pay for connectivity and convenience

🔸 Key findings from the survey 🔸
The majority of people surveyed are willing to increase their housing budget for a home with good connectivity and convenience. This was one of the main findings from the recently concluded EdgeProp survey on this increasingly relevant subject. The result is not surprising, given the rising cost of car ownership with recent COE (Certificate of Entitlement) exceeding $100,000. As a result, many are revisiting the tradeoffs between car ownership and living in a place with easy transportation access as a more sustainable and affordable option.

One in four survey respondents also indicated their willingness to increase their housing budget by more than 10% for a residential property with direct access to MRT. Respondents also highly value the convenience of having nearby amenities such as supermarkets and affordable food choices. Notably, convenience and connectivity were deemed to be more important than a central location.

🔹 Methodology of survey and respondents’ profile 🔹
The online survey on connectivity and convenience was carried out by EdgeProp Singapore from June 17 to 30 and 1,247 valid responses were received. The majority of the respondents are between 41 to 65 years old (68%), with 45% living in HDB, followed by Condo/Apartments (38%) and Landed Property (16%).

🧐 Read full article at:-
https://www.edgeprop.sg/property-news/more-willing-pay-connectivity-and-convenience-survey