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

Which stage have you reached at this point in life?

To All dear friends, which stage have you reached at this point in your life? I think it is fair to say that all of us have gone through one kind of stage or another at our point in life. Others may stay in a particular stage for a long period of time while others move on quickly on to the next stage in the ladder. As we move up the ladder, we went through and accumulate experience after experience and we become stronger each time. As my good friend have posted in his website, “Success is the result...

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CapMallAsia & YangZiJiang did us proud today!!!

Today CapitalMallAsia and Yangzijiang did us proud. And I would like to dedicate this post to people who are vested with either of the stocks. Today was the first time CapMallAsia surged through ahead of my average price which makes me overwhelmed and surprised (that they are up 10% at one point near the closing bell). With results coming up this Friday, hope that CMA could continue to surge ahead to greater heights tomorrow and Friday. As for Yangzijiang, it is currently the only stock lagging in my portfolio and by a miles too. Hope that it is able...

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"Why would I trade my asset with a liability" – JP Morgan CEO

A young and pretty lady posted this on a popular forum: I’m going to be honest of what I’m going to say here. I’m 25 this year. I’m very pretty, have style and good taste. I wish to marry a guy with $500k annual salary or above. You might say that I’m greedy, but an annual salary of $1M is considered only as middle class in New York. My requirement is not high. Is there anyone in this forum who has an income of $500k annual salary? Are you all married? I wanted to ask: what should I do...

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Added CapitalMall Trust into my Portfolio

2 February 2012 – I added a small 2 lots of CapitalMall Trust into my portfolio. With Iluma renovation, JCube and the development of Jurong WestGate to be completed shortly, looks good to load for future upside potential. Will look to add further should there be any further downside. At 1.705, hopefully it’ll be a good entry price :) Updated Portfolio – 2 February 2012 Counters No.of LotsAverage PriceTotal Value (SGD)Dividends collected to date (SGD) CapitalMall Asia 201.4328,594.00255.00¬†YangZiJiang231.4934,299.90360.00ST Engineering82.8222,590.400.00SATS32.397,181.70510.00CapMall...

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The importance of Investment Discipline and Dividend-paying shares

For some reasons, we humans like the adrenaline rush feeling running through our veins when it comes to entertainment, partying or investing. I went to the casino with a friend at the Marina Bay Sands (MBS) this afternoon, only to find those people who are at the table emotionless…or rather motionless. There were a mix of youngsters (in their 20s) – including myself and the Ah-peks & Aunties (in their 50 to 60s) and one thing in common of what all of them did after the dealer swept all their money away in the previous game was to put...

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Extra Income – How important is it??

In the past, having diverse sources of incomes gives people a backup to fall upon. However, in recent times, people are beginning to realize the importance of extra income as a means to realize your dream and goals earlier. Is it really important? Will it help you to achieve your financial goals earlier? Recently, I have been earning extra income from attending surveys and interviews. While this may be seen as a one-off event, the payout at times are not bad at all. In the past 4 months, I have attended 3 interview surveys with different companies advertising different...

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Happy CNY STI Bull Run

First of all, I would like to wish everyone a Happy Dragon New Year as we heads into a turbulent 2012 cautiously. STI has run up an incredible 10% bull run since the beginning of the year and volume has been going up. With the STI almost touching the 3000 mark soon enough (if bull continues for the next couple of days), experienced vestors must have patient to wait for the right moment to enter long. As previous experience has proven, when there is a bull run, not only big money are entering, but also the various source of...

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CapitalMall Trust – 2011 Results

Good bluechip REITS to monitor. CapitaMall Trust Management Limited (CMTML), the manager of CapitaMall Trust (CMT), is pleased to announce that CMT has achieved net property income (NPI) of S$418.2 million for the period 1 January to 31 December 2011 (FY2011). This is 4.8% higher than the NPI for Full Year 2010 (FY2010). Distribution per unit (DPU) for FY2011 was 9.371 cents, compared to FY2010 DPU of 9.24 cents. The better performance in FY2011 compared with FY2010 was mainly due to contributions from Clarke Quay and Iluma which were acquired on 1 July 2010 and 1 April 2011 respectively,...

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Is Saving an important aspect in your life???

Why do some people feel it is important to save money and why do some people feel otherwise? Have you known anyone who might fell into these two categories? According to a yahoo article today, 2 out of 3 Singaporean admitted to saving less than 20% of their monthly income. While there are many who have contributed to household costs and living, I am sure there are many as well who splurge their money on things like upgrading cars, branded clothing and most commonly….Vacation. For most people, they enjoy first and suffer later. They bought things and gadgets that...

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5 Signs you may be trapped in a dead-end job

First of all, I would like to tribute this article to Kevin, a blogger from Canada whom I admired very much. In this blog entry however, I would like to make it my own, the Singaporean style. Here are five signs you may be caught in a dead-end job: 1.) You take full advantage of the “8” hours you are working. You come 30 mins late to work – “Ughh, its just 30 minutes, everyone does it”You then went for an early lunch – “Ughh, we have to be early!! otherwise, the seats would be taken up”You then came...

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Dividend Shares – in the form of a "Birthday Present"

Have you wondered at times having cracked your brains out for several nights and hours on what gift to buy for your family (i.e parents/siblings) birthday present? While it might seem quite noticeably that we spent our everyday lives together, at times it gets quite tricky when choosing a birthday present. For example, I remembered giving my mum a make-up set for her birthday 3-4 years ago or giving my sister a branded pouch for her birthday gift in the past. While I do understand that they appreciate my thoughts and they claim that they “like” the product, sometimes...

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Change of Hands – Money

During dinner today, my sister posed a question to me regarding the flow of money and the change of hands between money. Let’s assuming in this world we have $X amount of money printed and available. When money changes hands (for e.g Supplier sells meat to Supermarket which in turn sells it to restaurant which in turn sells the same to consumers), does this mean that the amount of money in this world remains as $X? In this simple scenario, money changes hands and nothing is lost (i.e the amount of money in this world remains $X). The question...

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Getting out of the "Rat Race" – Does it apply for everyone?

Getting out of the “Rat race” – can be defined as pulling out of a race where everyone competes for the one ultimate position. Truely enough, no one says that getting IN into the “Rat race” is a bad thing. In fact, most of us have been through in the rat race and rightly so it builds up our knowledge, determination, stamina and the ability to find an ultimate solution to end the race. I came across an ex-classmate of mine a couple of days ago. I remembered him as a smart person who receives good grades in his...

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Property vs Equity Investment

If you only have money for one investment and enough for either, would you choose to venture into property or equity investment? This is one interesting question as property is deemed to be a rich man’s investing game while most people could invest in equity for a small amount of money. I currently owned a property in Indonesia (see picture below). Unlike property in Singapore where you may receive a net passive income every month after paying off the loans and interest from the bank, the interest in banks in Indonesia is very high (as much as 7.5% in...

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An interesting and dilemma question

I was talking to my family the other day when we went to Keppel Marina. The view was fantastic and the atmosphere was relaxing. How i wish I could be there everyday looking at the sea while enjoying the brisk. Then I began to ask them an interesting question, which left some or many in dilemma at times: “Assuming a 10 year horizon at least and if you have to choose one, would you rather choose a job which you don’t like but pays you $5000/month or a job that you like but pays you $1000/month”. I received different...

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