How Resolute Are You On Your Resolutions?

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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 … [Read more...]

Putting Ourselves Out There

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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 … [Read more...]

My Rant on Credit Cards

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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 … [Read more...]

A Letter To Youths: The Price Of Failure

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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 … [Read more...]

The Investing Sin Of Omission

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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 … [Read more...]

How I Got My M.BA For Free

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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 … [Read more...]

If You Were A Stock, Would You Invest?

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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 … [Read more...]

What’s Your Valuation?

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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. … [Read more...]

Learning Point: It Pays To Read The Fine Prints

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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 … [Read more...]

Here’s Your Opportunity To Build Your Edge!

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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 … [Read more...]

Twenty Fifteen. A Retrospect

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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 … [Read more...]

Top 5 Articles from The Little Snowball

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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 … [Read more...]

Finally! New Financial Education Portal

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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 … [Read more...]

Don’t Start With A Plan

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“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 … [Read more...]

Ladies, which side of the queue is your Man in?

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Can you spot the difference? Just regular ATM machines outside of a bank. I didn’t either initially, but this sparked off a chain of thought in me. While I was queuing up waiting for my turn to deposit some money, I noticed a teenager waving his debit card at his friends seemingly trying to impress the girl, or at least that’s what I thought. This caught my attention, but what struck me more … [Read more...]

Frencken: A Possible Recovery?

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Saw something a little interesting in Frencken’s 3Q results and thought I might share it. For those of you who don’t know about Frencken, you can read about it in my previous post. Rather than go through everything again, I’ll just jump straight to the points that caught my attention. :) Cash Flow Cashflow from operations have pushed higher this time around and it seems rather promising. … [Read more...]

Greater Fool Theory or A Case of Undervaluation?

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Most would say buy an undervalued stock as it falls in price. But, what if it does not, and charges upwards before you are even onboard? I’m sure many of you have encountered such a situation, where you wait for the share price to drop a little more before buying but it never does and decides to keep rising ceaselessly without making any significant rebound. Educational Purposes Only How do you … [Read more...]

The Sweet Journey

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In a blink of an eye, it’s been one full year since I started blogging! Insane experience and definitely rewarding! The opportunities that came along with it was remarkable and I definitely learnt a lot of lessons through this past year. It’s funny how this started as a blog primarily to detail down my investment ideas into being approached to writing guest posts on personal finance and investing. … [Read more...]

The Sweet Journey

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In a blink of an eye, it’s been one full year since I started blogging! Insane experience and definitely rewarding! The opportunities that came along with it was remarkable and I definitely learnt a lot of lessons through this past year. It’s funny how this started as a blog primarily to detail down my investment ideas into being approached to writing guest posts on personal finance … [Read more...]

“Time is money” – Is it really?

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They say “Time is money”, but I beg to differ. Time is only money when it is being used wisely to build up your value. Although this value may or may not show immediate results in monetary terms, but I believe that it is essential that we are able to IDENTIFY and DISTINGUISH whether or not the time spent performing certain activities is enriching us or not.     A sad fact I … [Read more...]