Author: A Path to Forever Financial Freedom (3Fs)

How You Can Improve Your Cashflow By Working On Other People’s Time

A few days ago, I wrote an article relating to why most people need to eventually convert your active to passive income at the end of the day. There are a few good arguments here and there that surrounds whether we need passive income in our lives but I think most people are in consensus that they need some sort of passive income, even if it’s just a small part of it. You see, it all started with the fact that time is a finite resource. You can’t be in the East on one side and be present at...

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InstaReM – Your Secured Remittance Platform In Town

Do you have business liaison to attend to overseas?  If yes, you are probably familiar with the remittance and transfer platform that you have been using to transfer your funds overseas either to your business partner or vendor.  While bank transfer appears to be the most frequently used platform because it is directly debited from your account, you have to be mindful of how much transfer fees and the impact of the currency exchange the bank charges to their advantages.  Often, this resulted in spreads that can eat into your margins.  Some banks came up with a promo that...

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5 Reasons Why You Need To Convert Your Active to Passive Income At The End Of The Day

Having worked professionally in the accounting and finance field for more than a decade in 4 different companies throughout my career, you would have thought I have a plethora group of friends and colleagues who likes to convert their active into passive income like myself.  That is not the case.  Within my circle group of friends and colleagues, this number amounts to a minority and you would think it is strange that for someone who is handling other people’s money or accounts on a daily basis, he or she would have taken more charge and responsibilities in their day...

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What We Learnt From Watching Marie Kondo (Minimalism series)

I spent my time during the weekend watching with my wife an ongoing popular series on Netflix called Tidying Up with Marie Kondo. We barely watched only the first episode but it has already brought a change impact in us. In the first episode, KonMarie talked about why we should spend time tidying up our home, a precious place in our hearts that we spent many countless hours on every single day. She came to visit a couple who’s living in the California area, and had two young children at home with them which makes it more challenging in the...

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Jan 19 – Portfolio & Networth Update

Hello 2019! Since I stopped updating on my portfolio 4 months ago, I’ve received lots of inquiries from readers asking me to reinstate back this post. After much deliberation, I’ve decided to republish them again in my blog starting this month with the January’s update.  While I don’t exactly know how these updates will benefit readers who are requesting for these updates, I hope they are not using this the wrong way. For myself, I am using the update to justify for accountability to myself which is mainly to articulate my summary thoughts in a more organized manner and...

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Starhill Global Reit – Should See Better Days Ahead

SPH Reit’s recent Q1FY19 results show something promising for the retail rent sector as they managed to negotiate for a 10.1% positive rental reversion for the renewed leases that expire in Q1FY19 for the Paragon properties. The Orchard central area continues to bounce back strongly on the back of strong high occupancy and the low supply pipeline for the next upcoming 5 years. This is the latest I have extracted from the URA website. The office space is doing well from what we see on the price and rental index, but that only takes up 5% of the total...

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City Development – Is There Value In This Company At $8.08?

The revised cooling measures implemented in the middle of 2018 has finally pushed Q418 sales to a dip since Q217. It was only slightly down by 0.1% quarter on quarter and most of the decline was mainly due to landed sales so in all essence the demand for private property is still pretty buoyant. With the introduction of the new cooling measures, which coincides along with the increase in tandem in interest rates, it brings the share price of City Development down from the 52 week high of $13.6 to the last closing price of $8.08. That is a very sharp...

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The Golden Handcuffs

Your job pays you well. The benefits covered under your employment are comprehensive. You love socializing with your circle of friends. Everything is good, except you dislike your job. You dislike your job because it downbeats you hard enough to become a prisoner and dictates you to do things against your wishes. On some days when things aren’t so busy in the office, they seemed okay because you get paid by simply being present in the office. All you had to do is to wait out for your time to expire, whether it is 8 to 5 or 9...

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Thinking of Every Investment In A 10 Year Timeframe Will Help Frame Your Decision Easier

Happy New Year Folks! With the official start in 2019, I wanted to start with an article that advocates a long term mindset strategy that can help you make better informed decisions as investors. This is something which I’ve personally used when I look into buying the equity of these companies. It has helped me tremendously from the very first I began investing, especially the way I framed my thesis into making an informed decision. Investing is an incredibly tough and arduous activity because many investors made them so. For years, folks have begun to experiment on deep theories...

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Topping Up $7,000 For My Special Account (SA) For Tax Relief Purpose

You know you are always behind when it is towards the last day before the new year and you are rushing towards finding reliefs for your tax assessment before it closes. This year, I am leaving it again to the last minute month of the year as cashflow was struggling a little bit in the earlier months and I have finally some spare cash to devote to CPF in order to boost my future retirement income. The more intriguing part of this topping up aspect is of course the tax deduction relief which plays a big factor for me...

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Reflection of 2018 And What To Look Forward In 2019

As we wind down this week towards the last week of 2018, I wanted to reflect on a few aspects related matters that is important to me. I feel it is important to keep abreast of the situation and we reviewed them after each year has passed. Job / Career I left my 6 years job in the logistic company to move into an unchartered territory towards the last quarter of the year starting in September. The increase in pay was always a welcome addition but it came with a totally different kind of challenge, a challenge which I...

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2018 XIRR Performance & Networth Updates

Time really flies these days when we are in our mid 30s, pegged by a combination of busy work and heavy loads of watching our children grow as each year past by. I wanted to wrap things up for the year given that I will be taking a holiday trip to Bali with my family for the next few days until Christmas, and wanted to do a reflection of my equity performance this year before I then wrap things up for 2018 on an overall scale. I received some good feedbacks last year on how I presented with my...

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SIA Engineering – Is It Time To Buy This Company After 22% Decline This Year?

SIA Engineering has been an investor’s favorite for many years because of their moats servicing the maintenance and repair lines for various different airlines, with their own SIA planes taking up the majority of the recurring business. It does look like a defensive business because every capacity planes that are increasing each year would have to undergo maintenance one way or another. Over the years, the operating environment gets tougher due to longer maintenance interval perhaps as the quality gets more resilient for the newer next generation aircraft and there are many more competition in this small niche space...

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Is Investing In Growth Always A Good Thing?

When investors like us invest in the stock market, the goal is always trying to grow our wealth over time.  Investors are generally thrilled by the prospect of growth in general, whether they are referring to their income, savings or even the companies that they invest in.  We just love things going in the “up” and “grow” direction. It is so tempting for investors to see their companies growing by double digit each year because i.) they expect the management to take the shareholder’s earnings and reinvest them to propel for further growth or ii.) Higher growth means higher...

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Is Investing In Growth Always A Good Thing?

When investors like us invest in the stock market, the goal is always trying to grow our wealth over time.  Investors are generally thrilled by the prospect of growth in general, whether they are referring to their income, savings or even the companies that they invest in.  We just love things going in the “up” and “grow” direction. It is so tempting for investors to see their companies growing by double digit each year because i.) they expect the management to take the shareholder’s earnings and reinvest them to propel for further growth or ii.) Higher growth means higher...

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