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

"July 12" – Transactions Update

July has been a rather busy period for my portfolio as it undergoes a restructuring process as I decide to sell my low dividend yield stocks which coincidentally had a run-up in July. On my Singapore portfolio, I have sold my positions notably in Comfort, CMT and CMA, all of which had a run up of more than 10% from my purchase price. These are without a doubt good blue chip stocks to have in any portfolio but with a low dividend yield of below 4%, i decided to sell them. With some cash on hand, I decided to...

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Goals vs Dreams – Setting Goals and Reaching Dreams

Everyone of us have our own goals and dreams. While the two may seems like complimenting each other, many people have mistaken goals for dreams and dreams for goals. Goals are dreams with deadlines. A “goal” is something that you, yourself, have the power to make it happen… and it has to be realistically realistic and achievable. A “dream”, on the other hand, should be something much bigger than your goal, albeit something similar to your ultimate goal. What your goals do consist is the little tiki-taki step to support your dreams. For instance, if your dream is to retire and live a...

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"The Power of Now…"

Presenting “The Power of Now” by Eckhart Tolle is a book that sheds light on the issue of understanding the depth of the present moment which is NOW rather than the future. In the book, the author explains that humans tend to think about the future all the time, a concept of thinking of the thought and by doing so it creates a false sense of self. Whether it is in a form of problems or enjoyment, people tend to think of tomorrow rather than what it is today. It doesn’t necessarily need to be a bad thing of course, but for...

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Importance of constant communication with your children

Constant communication with your children is an essential process which involves engaging in a small conversation topics that keeps both you and your children updated on the daily lives’ activities. Some conversation can be very hard to begin with, especially those involving wealth and financial related. Some parents may think that their children are not matured enough to understand their financial situation. Some may not want their children to worry for them, thus choosing to keep quiet over it. Some parents may think that it is okay to delay the conversation till the next day or the next month….or the following year…...

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Save your money for August!!!

A lot of the STI companies are going ex-dividend in the month of August, most notably Singtel, Comfort, ST Engineering, Boustead, SATS, REITS and many more – which means that it is probably a buying opportunity for dividend investor, whom has been waiting in the sidelines for a long time now due to many people searching for yield in the past few months resulting in the high price of the dividend stocks. With many countries and companies recently reporting their Q2 GDP/Result, it seems evident that we are currently in a low growth environment and potentially...

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Should you practice Dollar Cost Averaging (DCA) Up?

Many people practice Dollar Cost Averaging (DCA) down, but do people practice averaging up? To begin, DCA up is a practice to purchase share at a higher price than you already bought in order to achieve a larger position in your portfolio. Averaging up is a more sensitive issue which many people did not advocate because people simply doesn’t like to pay for things which are higher than the price they bought earlier. Instead they want to wait till the time when the stock price goes below their buying price and in the face of doing so, they could be waiting for...

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Initiating a commodites position – Boom or doom?

It was 9.am in the morning as I checked into my Singapore account. The previous night DJI slumped to 250 basis points as Moody downgrades the grades for up to 15 banks. How will STI perform today? I believe everyone will agree that valuations for some of the blue chips that we have here is still expensive. Look at Keppel, Sembcorp, Telcos, Reits such as CMT, FCT, Cache, ….etc. As such, there’s no point to enter at such valuations at these moments. The huge volume is currently at commodities play such as Noble, Sakari, Olam and Wilmar. To date,...

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Dividend – Your Crossover Point

Are you a dividend investor? If so, what is the desired outcome that you wish to achieve at the end of the journey? The goal of every dividend investor is to accumulate a portfolio of dividend income producing stocks, mostly defensive in nature – which would in turn give out dividend income to investors. The goal of living off your dividend income to pay your expenses is an achievable objective, though it often takes a lot of capital, a lot of time, probably some skills and also luck in order to get to the crossover point. For dividend investor like you and myself, the crossover point is...

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Oil Price Down = Buying Opportunity for Transportation?

Commodity Oil has been pushed lower in May due to weak market sentiment of the economy, sending the price from 100+ level to around 90. With oil beginning to show some kind of weakness, we might see a buying opportunity in transportation related stocks such as SIA, Tiger and Comfort. SIA closed at 10.10 today, and is making a 52 week lows. The airline has been facing with challenging business environment, in particular cargo passenger count against the lower budget airlines. However, it seems to me that the stock might have seen its low and it doesnt drop much...

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The Richest Man in Babylon ~ Verdict

The richest man in Babylon I was reading an article by Dennis Ng on “The Richest Man in Babylon” and some of his thoughts and while I thought some of the strategies were pretty obvious to everyone, it is still a good refresher even for myself from time to time. 1st Strategy —Save at least 10% of your income In the book The Richest Man in Babylon, Arkad shared that when an individual’s income increases, his or her expenses would also typically increase. As a result, this individual would fail to accumulate any savings or wealth. In light of this, Arkad says that the first step to...

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Welcoming "Singtel" into my portfolio

Finally, I added a telco (Singtel S$3.05) into my portfolio. I have been waiting for Singtel to drop for quite some time now and for the past few weeks it has indeed drop lower and lower. After a while, I decided to add this as part of my long-term portfolio. I queued for this in the morning and only got it at around 4.40 pm so huge support at 3.05. My basis for buying this counter is because of its dividends which yields at approximately 5% and will go ex-dividend in August (S$0.09) and December, which is not a very long...

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Great Singapore Sale has started this weekend…Are we seeing a great sale in stock soon?

The Great Singapore Sale (GSS) has officially started this weekend. I went to the Chinatown this evening and goodness me there were so many crowds in the OG shopping area, buying things that were on sale – some 20 to 50% off the original price. So are we having a great global sale in stocks and shares too? Maybe soon? Everyone seem to be eyeing on the 17th June date where probably finally we are going to have a clearer idea on whether the Greek is going to accept the idea of an austerity or an exit from the Euro....

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Bookmakers call it off on Greece exit!!!

I’ve come across this interesting article on bookmakers across the Euro region on the betting for Greece exit. I already have an account with Betfair which I have used to bet on soccer rather than political regime betting. So do you have an account with them? :p Bookmakers in Britain have suspended all bets; if Greece, will be leaving the eurozone due to the current political upheaval in the country. William Hill and Ladbrokes have suspended all bets on whether Greece will be leaving the eurozone. Betting on William Hill had increased on Greece leaving the eurozone that it...

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Dividends Update – May/June 2012

The month of May/June is traditionally a half-time stopover for many people as many companies are paying out dividends in May to shareholders and shareholders in turn can use this opportunity to shake up or add to their portfolios using these money. CapitalMall Asia – $150 (received) – 9 May 2012 St Engineering – $1000 – 17 May 2012 Mapletree Industrial – $22 – 29 May 2012 CapitalMall Trust – $23 – 30 May 2012 First Reit – $120 – 30 May 2012 FraserCenter Point – $250 – 30 May 2012 YangZiJiang – $330 – 31 May 2012 Parkway Life...

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