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

Investing Is So Damn Tough You Are Right

To say that this has been a tough year for investment is an understatement. Investing, as a general form of growing your wealth is so damn tough that for one not to be losing money is sometimes already seen as a form of success. I can totally relate why many people avoided them like a plague because contrary to many popular beliefs, it can jolly well diminish your money. Imagine yourself being invested in Asian Pay TV Trust at the start of the year, having intrigued by its stuttering share price and a high dividend payout. You might have...

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Recent Action – UMS

This is a recent strategy which I am experimenting on my CFD account which I will be explaining more in detail when I have the time to blog the full implementation on it. I recently opened a short position in UMS Holdings at the price of $0.66 for 50,000 shares. This was somewhat a different strategy I have for my main portfolio which focuses on dividend income strategy and will remain the core of it for the most part of things. UMS has been a very popular stock in the past 2 years due to their recent semi-conductor upcycle,...

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Dividend Income Updates – Q4 FY2018

I am writing this dividend update quarterly in an attempt to compile my quarterly dividend performance for the year.  With a rising cost of living under the belt, in particular with the two kids in tow and hence require some bits of maintenance spend to keep hold, it can be particularly stressful to keep up with the expenses or cash outflow.  Many times, we are dependent on our sole income which comes from our source of salary which we received monthly. While these may be the norms in the beginning, it is not healthy to be overly dependent on...

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Dividend Income Updates – Q4 FY2018

I am writing this dividend update quarterly in an attempt to compile my quarterly dividend performance for the year.  With a rising cost of living under the belt, in particular with the two kids in tow and hence require some bits of maintenance spend to keep hold, it can be particularly stressful to keep up with the expenses or cash outflow.  Many times, we are dependent on our sole income which comes from our source of salary which we received monthly. While these may be the norms in the beginning, it is not healthy to be overly dependent on...

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CFD Experiment – Dividends Credited and Cost of Financing

Following my experiment using CFD account to purchase shares which I blogged here a few months ago, I have finally received my first dividend payout credited to my account. Although rather straightforward, but they operate somewhat a little differently from holding a normal ordinary shares account hence I wanted to document this for future users. For those who’ve read my past articles, you would have known that I have opened up an account with Cityindex and have tried to experiment leveraging through a series of different level financing. Being conservative since this is my first few encounters with leveraging instrument, I...

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CFD Experiment – Dividends Credited and Cost of Financing

Following my experiment using CFD account to purchase shares which I blogged here a few months ago, I have finally received my first dividend payout credited to my account. Although rather straightforward, but they operate somewhat a little differently from holding a normal ordinary shares account hence I wanted to document this for future users. For those who’ve read my past articles, you would have known that I have opened up an account with Cityindex and have tried to experiment leveraging through a series of different level financing. Being conservative since this is my first few encounters with leveraging instrument, I...

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5 Key Highlights From Hobee Q3 FY18 Results

Ho Bee Land Limited is a property developer and investing company which has developments in various parts of Australia, China and United Kingdom. The company has recently announced their Q3 FY18 results which brings about some of the key highlights: 1.) Rental Income has once again grown both year on year (up 28.3%) and quarter on quarter (up 26.1%) mainly due to the full quarterly contribution from Ropemaker Place (25 Ropemaker Street) which they acquired on 15 June 2018. Extrapolating this to full year, this means that rental income contributes more than $200m to the company’s recurring income base....

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5 Key Highlights From Hobee Q3 FY18 Results

Ho Bee Land Limited is a property developer and investing company which has developments in various parts of Australia, China and United Kingdom.  The company has recently announced their Q3 FY18 results which brings about some of the key highlights:  1.) Rental Income has once again grown both year on year (up 28.3%) and quarter on quarter (up 26.1%) mainly due to the full quarterly contribution from Ropemaker Place (25 Ropemaker Street) which they acquired on 15 June 2018.  Extrapolating this to full year, this means that rental income contributes more than $200m to the company’s recurring income base....

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My Thought Process On Discretionary Spending

First of all, apologies for the lack of posting as I just came back from my trip from Taiwan which my friends and I did our main objective of the trip which is to cycle. During our time there, we also witness a nice fireworks display and we also walked around a few of the night market. The topic that I wanted to write today however is about controlled spending, and this came up because my friends who were with me were asking why my spending was so low and how I manage my controlled spending, even though some...

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My Thought Process On Discretionary Spending

First of all, apologies for the lack of posting as I just came back from my trip from Taiwan which my friends and I did our main objective of the trip which is to cycle.  During our time there, we also witness a nice fireworks display and we also walked around a few of the night market.  The topic that I wanted to write today however is about controlled spending, and this came up because my friends who were with me were asking why my spending was so low and how I manage my controlled spending, even though some...

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The Great Singapore Sale Stock Market Is Here Again

Every two to three years, we seemed to have a variety of the Great Singapore Sale in the stock market that are back and enticing investor’s appetite to invest into the market. With the STI index now down close to 20% from the recent peak, it appears to have given the cash investors another test to check their perseverance in whether they would succumb their hard cold cash into the market at this point. After all, what the cash investors are aiming are the huge once in a lifetime opportunities and not this sort of minor correction every two...

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The Great Singapore Sale Stock Market Is Here Again

Every two to three years, we seemed to have a variety of the Great Singapore Sale in the stock market that are back and enticing investor’s appetite to invest into the market. With the STI index now down close to 20% from the recent peak, it appears to have given the cash investors another test to check their perseverance in whether they would succumb their hard cold cash into the market at this point. After all, what the cash investors are aiming are the huge once in a lifetime opportunities and not this sort of minor correction every two...

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Why You Should Try Out Purchasing Your Stuff From IUIGA?

Following my last week’s article on some of the savings strategies I used for buying groceries, I’ll be sharing another of our favorite savings tips when it comes to buying some of our furnitures & fittings and lifestyle products. About a year ago, my wife chanced upon a website called IUIGA, an online platform portal that sells many of the home essentials furnitures & fittings and lifestyle products that some of us may need depending on our lifestyle. Back then, we wanted to hunt for a good travel neck pillow since we were heading to Taiwan a few months later and so...

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Why You Should Try Out Purchasing Your Stuff From IUIGA?

Following my last week’s article on some of the savings strategies I used for buying groceries, I’ll be sharing another of our favorite savings tips when it comes to buying some of our furnitures & fittings and lifestyle products. About a year ago, my wife chanced upon a website called IUIGA, an online platform portal that sells many of the home essentials furnitures & fittings and lifestyle products that some of us may need depending on our lifestyle. Back then, we wanted to hunt for a good travel neck pillow since we were heading to Taiwan a few months later and so...

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What Happens to F.I.R.E When A Recession Strikes?

In the eyes of the world, F.I.R.E means not actively working which means you don’t get any sorts of income and have to depend on living off your passive income in order to survive.  Many people that I know who’ve achieved F.I.R.E are either invested in:  High Credit Rating Bonds – This applies to those whose capital is huge  High Yielding Corporate Bonds – Lower ratings bonds offering higher coupons  Equities – A Combination of Securities, Stocks or Reits  Property – Rental Income  Most of these assets are susceptible to recession which can severely hurts the value of these...

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