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

Reflections on my dividend investing journey in 2012

So you’ve made a 12% profit this year. Great. And you’ve outperformed the S&P and STI index this year. Fantastic. You’ve lost a little money this year. No worries. Irregardless of whether you’ve made profits or losses this year, one thing for certain is that you’ve learned new things from your investing journey which you can reflect and apply to your advantage in the future…and this applies even to seasoned investors who have been investing all their lives.     For those who have known me, I am not a seasoned investors. I only started investing in the stock market...

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Xmas Edition: Why is Santa Claus fat ???

Ho ho ho… It’s Christmas time!!! “Santa Claus is here… and I’m gonna eat all your cookies…” Since it is a Christmas week, let’s take a step away from the stock market and put our focus on a Christmas event. Have you ever wondered why Santa Claus is fat and not muscular, sexy and hot!!!??? I began to wonder as well as I am writing this. Could it perhaps be that Santa has eaten all my sweets and cookies? Theoratically possible, but in reality perhaps not (is there even a real Santa in this world??) I think the reason why...

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Merry Christmas & Happy New Year

As we celebrate the upcoming festive Christmas and New Year season this week, I think we will have to look back and remember the people who were involved in the sad incident that took place, in particular the Newtown shooting which led to the death of many young children. As life becomes more unpredictable each day (and thank god we passed the Mayan calendar), I would strongly encourage everyone to spend more time with their family and loved ones and not neglecting them in pursuit of your financial freedom mission. Money is after all simply a paper trade that allow...

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"Dec 12" – Transactions & Portfolio Update

  Counters No. of Lots Average Price (SGD) Total Value (SGD) based on average price Market Price (SGD) Total Value (SGD) based on market price Total Dividends collected (SGD) since purchase ST Engineering 1 2.82 2,820.00 3.80 3,800.00 1,240.00 SIA Engineering 3 4.12 12,360.00 4.30 12,900.00 210.00 Noble 2 1.12 2,240.00 1.16 2,320.00 0.00 FraserCenter Point Trust 12 1.58 18,940.00 1.955 23,460.00 825.00 Ascott Reit 8 1.29 10,320.00 1.325 10,600.00 825.00 First Reit 11 0.89 9,840.00 1.035 11,385.00 442.00 PLife Reit 7 1.85 12,950.00 2.16 15,120.00 476.00 Boustead 6 0.92 5,500.00 1.00 6,000.00 140.00 Singtel 2 3.09 6,180.00 3.40...

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Invest/Not Invest/Invest/Not Invest/Invest

The word “investing” seems to be a popular phenomenon among the younger generations these days. And since most are unable to afford investing in houses at their early stage, stocks easily has became the next available option. Ever since I’ve started investing in stocks myself back in the mid of 2011, which obviously not too long from where we are today, I’ve encountered a great deal of friends who had asked me on how to begin “investing”. Some of them put in a great deal of effort in really wanting to learn about stocks…And so they research research and research....

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Why do people have Monday blues?

Why is Monday defined as blue? It’s probably not quite astonishing to know that most people take medical leave on Monday more than any other days during the week. The reasons for that are pretty simple. Our life tends to sync in between weekends to weekends and we simply dread everything in between, contemplated either with busy schedule of school or work. Just when everything in the world looks so beautiful to you on Friday, Monday is a perfect opposite – awful weather, jerky boss, moody in laws and complete depression. Here are some tips on how you can overcome a ”beautiful” Monday.  ...

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Americans are living longer but sicker

The American Health Society has today announced that Americans are living longer but sicker. Life expectancy is now at 78.5 years, up 48.3% from the 1900s while cancer death is down 7.6%. Unfortunately, as life expectancy goes up, people looks to spend more time in hospital than in retirement. Not surprising if you ask me. Double and bigger cheeseburger, binge drinking and the legalisation of marijuana lead the way in recent times have contributed to such a statistic. How attractive is that? Not really if you ask me. What’s the use of living longer but sicker – a time...

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Risk vs Reward

In our everyday’s life, we always take on risk and at the same time we expect the same positive correlation on the rewards. That said, if you are playing a game of head and tail with your friend, you should expect at least 50% return on your rewards. Otherwise, you would essentially be playing a losing game. Neratel, for instance, closes at 50 cents on Friday 7/12/12. At its current price, assuming a 4 cents dividend would result in about 8% yield. Now you may have heard of a mandatory offer to take it private at 49 cents. The...

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lnitiated position in Ascott Reit

Anyone went for an early Christmas shopping yet? Today, I initiated a position on Ascott Reit, one of the few reits which I have much interest in  and I must say I am delighted to get them. I have been monitoring the shares back when there was a european crisis in 2011. Back then, the price plunge to 1.00+ which I remember as it was thought that their business in europe will be affected. However, its results proved otherwise and I am very impressed by it. At current price, though doesnt seem as attractive as it was back then,...

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BUY target call from UOB Kay for 2013

Singapore Strategy – Screening Out Yield Stocks With High ROE Screening for ideas. In a low interest rate environment, we believe stocks offering sustainable high dividend yield will continue to outperform. We screen stocks with attractive dividend yield and high ROE for BUY ideas. This report highlights our top picks based on this screening exercise. Result of our high yield and ROE screen. Under this exercise, stocks that appear compelling include M1, SIA Engineering, ST Engineering, Yangzijiang and SPH. SMRT also appeared on the screen but we are not positive on this given expectations that the group may have to...

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Initiated position – Second Chance Properties Ltd

I initiated a small position at Second Chance today. For those who are new to Second Chance, its main core business, led by the great founder and CEO – Mohamed Salleh are mainly in the Retailing of Apparel, Retailing of Gold Jewellery and Property Investment. The main attractiveness of this stock which I think is valid: Mohamed Salleh – I like the way how he runs the company. He is both conservative and aggressive when he needs to. He is also shareholders and staff friendly. For instance, he banned his management staff from entering the casino as he thought it was...

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Black Friday Shopping – Boom vs Recession

Black Friday shopping during bull booming year: Black Friday shopping during recession:   So what is the difference!!!??? Yes, you are right. Americans don’t give a care whether storm, recession or fiscal cliff coming at them. When it is time for black friday shopping, they are a bunch of crazy people and shop as if these are free stuff. Are these items that cheap in fact??   The answer is yes. From my experience when I was studying in the US, we would celebrate our thanksgiving on Thursday and then starts queueing that night. Many items are at least...

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Generation Y: Highly educated, Highly in debt, Underemployed

Gen Y, betterly known as those ranging from 18 to 29 years old, are aplenty these days with highly qualified college degrees and masters but sadly underemployed and many even coupled with college debts. Members of Gen Y — with some 92 millions people have the propensity to be more like their grandparents than their boomer moms and dads. It portrays the generation as seeking stability above all else, and looking for long careers in big, safe companies. Sadly, that’s not likely to happen for them. Gen Y is a smart, educated and agile cohort. Its members are socially networked...

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"Nov 12" – Transactions & Portfolio Update

Counters No. of Lots Average Price (SGD) Total Value (SGD) based on average price Market Price (SGD) Total Value (SGD) based on market price Total Dividends collected (SGD) since purchase ST Engineering 5 2.82 14,100.00 3.50 17,500.00 1,240.00 SIA Engineering 3 4.12 12,360.00 4.24 12,720.00 210.00 Noble 2 1.12 2,240.00 1.06 2,120.00 0.00 FraserCenter Point Trust 10 1.505 15,050.00 1.965 19,650.00 825.00 First Reit 11 0.89 9,840.00 1.015 11,165.00 338.00 PLife Reit 7 1.85 12,950.00 2.15 15,050.00 476.00 Boustead 4 0.90 2,650.00 0.96 3,840.00 60.00 Singtel 3 3.09 9,270.00 3.13 9,390.00 180.00 Neratel 17 0.44 6,440.00 0.515 8,755.00 400.00...

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Handicapping your shot at a top MBA Business School

Here’s an interesting article from Ms. Sandy Kreisberg, a former adcom committee and now the founder of admission consulting firm HBSGuru, on the odds of typical applicants to the top MBA school. Nothing is concrete, as it is in this world. But if you are one of those thinking to apply to these top MBAs school, then you should check your odds out. Mr. Perfect 750+ GMAT 3.8 Grade Point Average Ivy League Undergraduate Degree Work experience at Goldman Sachs or McKinsey & Co. Extracurricular includes alumni involvement and very active participation in an ethnic identity organization Odds of...

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