Archive

Derek Lim

Understanding Dividends Announcement

May 17, 2012 by Derek Lim
A reader contacted me with the following question and it struck me that I have been happily collecting dividends without really understanding how dividends are given out. All I know is to add up all the dividends announced and that will be my total dividends. Are there any positive/negative implications on having a single dividend [...]

in Categories: FAQs, Shares and Derivatives

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Securities borrowing and Lending program

May 2, 2012 by Derek Lim
A reader contacted me with questions on the above program. While I remember enrolling into the program, I hardly read up about it because there is almost no demand. I will try to answer the questions to the best of my ability. Feel free to share your inputs and correct my mistakes (if any). 1. [...]

in Categories: FAQs, Investing

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Why you should choose a $10,000 health screening package.

April 9, 2012 by Derek Lim
Because you are worth it! Just kidding on why we should choose such an expensive package. I will not go for a $10K health screening package and neither will I advocate my friends to do the same, unless you have lots of cash to burn. Health is indeed important and I am a believer of [...]

in Categories: Personal Development

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A business proposal?

March 12, 2012 by Derek Lim
I recently recieved a comment which I intially dismissed as spam. Since I have not come across anything like it, I’ll like to share with fellow readers. I’ll leave it to your judgement whether it is authentic. I am from the Maldives, looking for investment partner from Singapore for develop and operate a small scale hotel [...]

in Categories: Business

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Do you want the doctor to choose you or do you want to choose the doctor?

February 28, 2012 by Derek Lim
I had an enjoyable gathering with my ex-classmates last night. It has been eight years since we last met and we had a lot to talk about. We were talking about the major incidents that happened during the past eight years and that’s when the topic shifted to our health. While our physical appearance has [...]

in Categories: Insurance

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My Decision On My Dad’s Whole Life Insurance And Policy Loan

February 12, 2012 by Derek Lim
A brief history on my Dad’s Whole Life (WL) policy with GE:- He bought a Whole Life with CRB from GE with a coverage of S$50K in January 1987. Current premium is $315.05 per quarter or S$105.02 a month. I believe his premium used to be slightly higher because of a “Comprehensive ACC ben rider [...]

in Categories: Insurance, Personal Finance

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I have NO savings!

January 26, 2012 by Derek Lim
There have been several articles on savings recently which got me thinking. First thought – why 20%? Who defines this standard and why is it recommended?UScitizens have always been known to be big spenders rather than savers. It is their money that kept the world going at least during the end of the 20th century. [...]

in Categories: Personal Finance

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Using XIRR to calculate stock performance

January 20, 2012 by Derek Lim
Maintaining my stock portfolio has always been a challenge for me. I use a simple method of calculating my current stock value plus dividends against my original investment amount. However, I have a nudging feel that this is flawed because I did not account for the various transactions throughout the life of holding on to [...]

in Categories: Investing

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Top 25 articles in 2011

January 15, 2012 by Derek Lim
Standard Chartered Bank Singapore- NO MINIMUM BROKERAGE FEES! CitySpring Infrastructure Trust: Rights issue. CitySpring Rights Issue But No Thanks Property crash of 1996 Singapore High Yield Dividend Stocks for Income Starhub:Highest dividend yielding Singapore STI blue chip comes through FY2010 well How to buy Silver? NTUC Income VivoCare – Early Stage Critical Illness Whole Life [...]

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CapitaMalls Asia 10 year bonds – a quick FAQ

January 4, 2012 by Derek Lim
I normally don’t look at retail bonds due to its large initial investment, usually $5,000 and up, I would rather put the same amount in REITs to enjoy a potential higher yield. However this time round, CapitaMall is offering bonds at $2,000. I must admit it is a smart move to get smaller investors like [...]

in Categories: Shares and Derivatives

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The Bear Has Hit TheFinance.sg

August 11, 2011 by Derek Lim
Dear Readers, Don’t worry, the balance sheet of TheFinance.sg is still healthy. The site was inaccessible  for a couple of days due to excessive resource usage and I will be migrating to a higher capacity web-host. Intermittent downtime is still expected. I regret for the inconvenience caused.

in Categories: Site Update

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Most Popular Posts in June

July 3, 2011 by Derek Lim
The top five articles in June are: Standard Chartered Bank Singapore- NO MINIMUM BROKERAGE FEES! Standand Chartered Online Trading Account 8 Singapore Stocks to watch during a bear market Sometimes it’s better to be “stupid” and “wrong” To Pay Or Not To Pay SCB no minimum brokerage fees has been the top news this month [...]

in Categories: Site Update

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Will you use your emergency fund to invest?

May 11, 2011 by Derek Lim
Update 11 April 2011 40% will not use their emergency fund to invest while 60% will have no problems using it for investment. What’s surprising is that 30% or half of those who will use their funds to invest are willing to use at least half if not all of it. I am not sure [...]

in Categories: Investing, Personal Finance

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Most Popular Posts in April

May 11, 2011 by Derek Lim
I have been tracking the most popular articles in each month since the beginning of the year but this is my first write up on it. Just a short commentary which I find rather interesting. The top five articles based on Google Analytics are: Hyflux preference shares Part 1 2,463 page views Mapletree Commercial Trust [...]

in Categories: Site Update

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Lessons from the Japan Quake

March 29, 2011 by Derek Lim
Two weeks have passed since the Japan quake and there are conflicting reports to the nuclear situation. In one day, we can have 1,000 times the normal amount of radiation before being told it was a mistake in the calculation. We hear about optimism in getting the situation under control followed by news that the [...]

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Secrets of Singapore Property Gurus by Mr Propwise – Read Chapter 1 for free and enjoy a S$5 discount

March 6, 2011 by Derek Lim
Subscribe to TheFinance.sg via email and read Chapter 1 for free! Get S$5 off! Enter discount code “fin5” in the shopping cart and click “Update cart”. I don’t read many books on property but I enjoyed this book. Although I don’t invest in property, I am still able to relate to it; probably because the [...]

in Categories: Property

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Poll: Singapore Budget 2011 (Closed)

March 6, 2011 by Derek Lim
Thanks to those who has voted. Although there were only 29 votes (probably due to many similar polls), the results were a little different to that conducted by Straits Times (ST). 50% in ST felt that the budget definitely did not meet their expectations but only 34% readers here share the same sentiments. The next [...]

in Categories: Personal Finance

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Poll: Market Outlook for 2011 – Full Time

February 19, 2011 by Derek Lim
Many thanks to all the readers who participated in the poll. There were a total of 129 votes and not surprisingly the optimism has somewhat faded. I will think the main cause is due to the unrest in North Africa and the Middle East. I am however surprised that there are about 20% of readers [...]

in Categories: Market Review and Trends

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