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

My Wisdom Tooth Surgery Experience

I know this is a bit random but anyway I just want to share about my experience for my wisdom tooth extraction which may benefit those who wanted to do it. In the past month or so, I have been having gum infection in my right mouth and it is affecting my work,  sleep and mood and I get frequent headache every now and then.  It was a horrible experience that I am simply too lazy to do anything,  even writing this blog. Anyway,  so I went to my regular doctor visit at Orchard Scotts Dental attended by a...

Read More

What Is A Good Investment?

I received an interesting email today from a reader who surprises me with a very basic yet intriguely mind stimulating question. He asked me what makes a good investment. I had to think a while before replying him and thought it’ll be a good point for discussion. A good investment in my definition is something in the future that you can derive a greater value than what was invested in the beginning. The key word there is “greater value” and this aspect can be both known or unknown. One example of a “known” aspect is putting your money in...

Read More

How Do You Define Your Time?

As financial bloggers, we’ve always been saying that time is an important resource that is scarce in our lifetime. Time is a fixed currency and is probably the only thing that is constant. All of us had 24 hours a day to allocate our time with and it is up to us how we define them. Time in the context of this article is focus and energy, which everyone has a limited supply of. Now, I see my time in the context of three general categories: Professional – Active Work and Career Related Matters. Social – Activities that involves...

Read More

"Oct 17" – SG Transactions & Portfolio Update"

No.  Counters No. of Shares Market Price (SGD) Total Value (SGD) based on market price Allocation % 1. Comfortdelgro 70,000 2.00 140,000.00 23.0% 2. M1 67,000 1.78 119,260.00 19.0% 3. Fraser Logistic Trust 80,000 1.08 86,400.00 14.0% 4. First Reit 30,034 1.355 40,700.00 6.0% 5. Vicom 6,600 5.70 37,620.00 6.0% 6. Warchest* 190,000.00 31.0% Total SGD 613,980.00 100.00% It’s time for another update for the month once again. I’ve been so busy with work recently that I don’t have much time to monitor and research the market much. Other than returning from our holiday trip in Penang, I’ve also been...

Read More

Nature of Bodyclock

I haven’t been writing for quite a while so I thought I’ll write an impromptu on something that suddenly came up to my mind. Have you ever experienced a moment when you feel so passionate about something that you forgot the time? Or have you ever experienced a time when you feel so despair and tiring that you don’t feel like doing anything? I wanted to relate this feeling of mine that I have recently. Perhaps it is the traveling post-school holiday at Penang that makes me indignantly lazy.  Maybe the other mind is saying the catching up of...

Read More

Comfortdelgro Hits 3-Year Low

Comfortdelgro hits not only a new 52 weeks low last Friday but also a 3 year low. The last time they hit around this share price was around in Jun 2014. That was right before the contracting model announcement takes place for the public transport. I just did a quick comparison to see how they fare in terms of earnings between the two. It seems on a glance earnings was pretty much on par. While operating profit came in slightly lower in 2017, finance costs came in much better due to the lower borrowings they have (stronger balance sheet),...

Read More

The Struggle With Hardwork

My wife and I recently watched a Japanese documentary at home and we began pondering on why the Japanese, and typically the older generation tend to have a different attitude than the newer generation like ours. Friedrich Nietzsche, one of the famous German philosopher, once said that the most essential thing in human history is that there should be a long obedience in the same direction, thereby results can be attributed to the cause which made life worth living. The Japanese family that we saw in the documentary aspire bringing improvement in the lives of the consumer. They work hard and for...

Read More

Is SPH Worth Taking A Look Now?

Every once and then, there would be companies in focus that would be the major target for the short seller. These are mostly sick companies because their outlook are bleak. If you recall in the early of 2016, we had similar cases with oil and gas companies. Keppel and Sembcorp took the most hit and they were depressed to levels that everyone just want to shun on it. SPH has been a grandfather stock for a very long time. Long time shareholders would know that they used to get to as high as $18 to $20 before doing a...

Read More

Two Faces Perception of Masks

Variant Perception is a concept defined by Michael Steinhardt as a view that is materially different from the consensus and that you have a belief that it has an average probability of being correct. For many, the fear of standing out negatively overrides their desire to stand out positively. By following the herd mentality, you are cushioned by the many views that are supporting the reasons for the fact that makes you comfortable. The problem is usually the case where valuation gets higher and as investors you are paying that comfortability for a premium with lesser margin of safety....

Read More

"Sep 17" – SG Transactions & Portfolio Update"

No.  Counters No. of Shares Market Price (SGD) Total Value (SGD) based on market price Allocation % 1. Comfortdelgro 61,000 2.18 132,980.00 21.0% 2. M1 61,000 1.78 108,580.00 17.0% 3. Fraser Logistic Trust 80,000 1.07 85,600.00 14.0% 4. Fraser Comm Trust 40,377 1.39 56,124.00 9.0% 5. First Reit 30,034 1.33 39,945.00 6.0% 6. CDL Hospitality Trust 24,000 1.59 38,160.00 6.0% 7. Vicom 6,600 5.70 37,620.00 6.0% 8. OCBC 34 11.08      377.00 1.0% 9. Warchest* 121,000.00 20.0% Total SGD 620,386.00 100.00% I am doing again an early update because it’s the school holidays and we will be traveling again...

Read More

Guest Post – Cost of Flour vs Cost of Bread – Part 2

I enjoyed this post a lot from our guest contributor, CK who has kindly analyzed and shared his finding with us on a few development that are ongoing at the moment. I am a big fan of property myself and am following closely the development of a few residentials and how they are being priced with demand sentiment. Who knows, if time is right, we might just go in with a second property. Knowing the flour (land price) the developers paid, it certainly helped in making decision. Singapore real estate market is very transparent in terms of the data...

Read More

Recent Action – Vicom

I initiated back a new position in Vicom a few days ago at $5.67 for 6,600 shares. I used to own this position in the past and divested this early last year when there are better opportunities. You can search the blog on the past Vicom articles I wrote. This is not a huge position and am struggling to get more shares as liquidity is scarce. After my divestment with Guocoland, my cash position increased quite considerably and I wanted to allocate some of those into dividend counters. Vicom caught my attention after their latest quarterly results announcement especially...

Read More

32nd Birthday Post – A Year of Milestones

This is the 5th edition of the post since I’ve started to blog on this site. For some reason, I missed to write on my birthday last year and couldn’t remember what I was doing back then but here’s all the past couple of sessions. 30th Birthday Edition 29th Birthday Edition 28th Birthday Edition 27th Birthday Edition Alright, I am getting older and I can feel it the moment I turned 32 (ok just kidding). I’m feeling it more and more each year that the days and years fly past faster than I thought. I think there’s a correlation...

Read More

Review of Value / Growth Investing Workshop

I was invited to attend this 1st value and growth investing workshop between the collaboration of Terence and John which happened this morning. The workshop lasted for slightly more than 3 hours and I went with an open mind because I knew both speakers are great investors and they had their methods which they are willing to share. I met with my good buddies, Richard from Investopenly and Chris from Tree of Prosperity and we went down together. Unfortunately, I need to go before they reveal their scorecard to the public which is the main highlight of the event. Terence (tubinvesting.blogspot.sg/) Terence is...

Read More

Guest Post – Cost of Flour More Than Cost of Bread

We have our regular contributor CK here who writes and provides good insight into the industry he has expertise on. I am learning a lot just by exchanging emails and chatting with him so it’s another pleasure of mine for him to provide his thoughts on the recent development ongoing with our property rush. One of the most significant development in the local real estate market in recent memory is the fully sold out of EC at Hougang, Hundred Palms in seven hours in 22 July 2017. See first blog post here on the quick sales cycle and high return...

Read More

Like us on Facebook

Follow us on Twitter