Author: My Route To Financial Freedom

2017 Theme – Storytelling

A month has already gone by in 2017. We are left with 11 months to achieve what we have set out to achieve for the year. How many of us are still keeping to our new year’s resolutions?  What’s your theme for the year? Mine isn’t about losing weight or having a 5.0 GPA in school, but it’s about expanding my comfort zone. If I do this year after year, how big will my comfort zone be in 20 years! My 2017 theme is focused on becoming a better storyteller.  Upon reflection, I have come to realise that I’ve...

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How Resolute Are You On Your Resolutions?

The date was 1 January 2016. Never had I known that the decision I made that night would make such a big difference to my whole year! I recall it was an absolutely random decision on that day to go countdown at Clarke Quay with my friend. Not knowing exactly what we were going to do except to soak in the New Year spirit of counting down along with the crowd, we went ahead anyway! What else would you do at Clarke Quay after counting down? Drink of course! So off we went to Beer Market to grab a...

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Putting Ourselves Out There

I’ve never really fully comprehended about the importance of putting ourselves out there until a myriad of opportunities actually happened to me. I hope this writing serves as a message to youths to put themselves out there and reap the benefits of standing up for something and to be passionate about something at least once in their lives. It has been quite an interesting journey since I started using this blog as a platform to grow my interest in investment and personal finance. It began off as a way for me to pen down my ideas and my opinion...

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My Rant on Credit Cards

A couple of days back, I received a phone call from an old lady who introduced herself as representing HSBC bank, trying to convince me to sign up for a credit card. It’s just normal everyday marketing, but for some reason, I decided not to hang up immediately and say that I wasn’t interested. Instead, I politely challenged her to convince me why I should sign up for a credit card. “If you sign up now, we will give you a free gift.” “You can spend now and pay later.” These were her response, typical ones. For some reason,...

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A Letter To Youths: The Price Of Failure

It’s always good to talk about dreams and goals with someone who shares the same passion as you do. Recently this thought struck me while I was having a discussion with my friend. “Why are people so afraid to fail?” What is the price of failure? I feel that too many of us do not understand that the price of failure has fallen and will keep falling. Maybe it’s because our nation (Singapore) is a relatively young nation and the price of failure in the past was HUGE! One mistake and you will be severely punished because we couldn’t...

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The Investing Sin Of Omission

While it’s true that opportunities lie everywhere, especially in the stock market, I write this to remind myself to stop passing up opportunities when I see a good deal come by. Today marks the day I broke the momentum of watching the ships sail by! Awhile back I actually did extensive research on companies, seeking out for investment opportunities, and I did find some. Every time I was close to making a purchase, I back out. I don’t know why, it could be part of a bad habit cycle that needs to be broken. I must admit, I have...

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How I Got My M.BA For Free

Yup, I did. Technically. I got my M.BA for free. I thought it would make for an interesting post, so I’ll share how it all came about! Someone reading this might just benefit from this post as well! (I’m hoping it’s you!) Instead of visiting relatives on this festive season, here I am, scrolling through my Facebook. While I’m getting lesser red packet, I felt that I found something more valuable on social media! I came across this article: A former Goldman Sachs employee has condensed an entire MBA into one online course And for some reason, I clicked...

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If You Were A Stock, Would You Invest?

Since I last wrote What’s Your Valuation? I begun thinking deeper and started getting more inspirations to continue to write on the idea that we should view ourselves as assets as well, and not just stocks. This led me to think about how to better improve myself. Previously I wrote about how must focus on our intangible assets instead of valuing ourselves simply based on how big our paycheck is or the size of our bank account. I begun thinking about my future. If I were a stock, would I invest in myself? We know that there are several factors...

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What’s Your Valuation?

With the recent beating of the markets, I’m sure your portfolio isn’t the only thing that’s getting affected. Your self-image is as well. We subscribe to the idea that “Price is what you pay, value is what you get.” but have we failed to apply that in ourselves? Are we allowing our networth to determine what our value is? I believe just like stocks, we should view ourselves as assets as well. We have an intrinsic value, and a price (networth / salary). While we easily allow our networth / salary to determine our value, have we failed to consider that...

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Learning Point: It Pays To Read The Fine Prints

One of the greatest lessons I’ve personally learnt was from Rickmers Maritime. I wrote about it back in 23 November 2014 here, back when Rickmers was trading at around $0.30. Took a detailed look especially into the distribution policy, and found that dividend policy mandates that it can only distribute to the maximum of USD$0.006. “So basically, Rickmers is able to give out a maximum of US$0.006 quarterly up till 31 Dec 2015 or whenever it chooses to end it. To me, this means that there’s only 1 more year till things get ugly. (Both in terms of dividend...

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Here’s Your Opportunity To Build Your Edge!

Everyday is the same, you have 24 hours. Since everyone has the same number of hours, why do some succeed more than others? We have 8 hours to rest, 8 hours to work, but that final 8 hours is where it all matters. What you do in that 8 hours defines your success. But, how often is it spent mindlessly surfing YouTube or watching dramas that add no value to us? Instead of an 8/8/8 cycle, has it become a 8 hours work and 16 hours rest cycle? You have a very real opportunity every day to build your...

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Twenty Fifteen. A Retrospect

As we approach the end of the year, I feel that it’s important that we look back and re-live the moments that have transpired over the year. It’s the time of the year to re-celebrate our successes and learn from our mistakes that we have committed. Personally, 2015 has been an incredible year for me, I’ve accomplished quite a bit in my personal life this year and I want to make this the minimum benchmark for the years ahead! January: Completed my Airborne course and received my wings. This was the month that I learnt to face fear in...

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Top 5 Articles from The Little Snowball

1. Timeless Guide To Fattening Your Wallet Have you ever wished to find a timeless guide to fattening your wallet? Here’s 7 lessons from 5000 years ago that is still extremely applicable today and anyone can use it. Having recently finished reading ‘The Richest Man In Babylon‘, I can’t help but to recommend this book to those around me. What’s surprising is even after 5000 years, we still don’t learn. I can only hope to propagate this message as far and wide as I can so that others may benefit from it! Without further ado, here is the Timeless Guide...

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Finally! New Financial Education Portal

Have you ever reach a point in your life where you ask yourself “How did I get here?” in a good way? Sometimes things just happen and when you add up the thousands of small steps, you find yourself in some place totally unexpected. This happened to me, and I’m grateful to find myself in such a situation. The Story So it all began when I created this blog to journal down my thoughts and research on companies. I started just slightly more than a year ago without expecting much. But while I took these small steps, making one...

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Don’t Start With A Plan

“One cup of large Thai Green Milk Tea” was all it took for me to start rolling on my bed for the next 4 hours, all the way until 3am with neurons blasting through my brain creating all sorts of thoughts, yet with such serenity and clarity! I might actually be crazy enough to begin doing that more frequently just so that I have time to think with such concentration and clarity. In that 4 hours, I thought about issues I’m facing more than I have all week long. In that short span of 4 hours, I could rationalise...

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