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

Everyone has a choice

This post is dedicated to a friend of mine to get her to think about that everyone do have a choice if he/she wants to. Whether easy or difficult, everyone has a choice to make decisions and the decision that you make today will result in different consequences in time to come. Confused? Picture yourself in the consequence of your decision and you will get it. It is easy to make excuses most of the times as the complexity of the environmental dynamics and unpredictability that characterized the behavioral patterns of human beings continuously constrained achieving the best feasible solutions to most decision problems...

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A Happy Birthday Edition Post

This is my first birthday edition post since the inception of this blog. Birthday, at times means absolutely nothing to most people. But to me, it means everything. It is a time where I can have a nice gathering together with my family and loved ones. It is also probably one of the only time where I can actually pause and reflect on myself. And most importantly, it is where I make my countdown to my RETIREMENT plan (officially 8 more years to retirement). Ok. This is way too early, but still a goal is a goal and I planned to reach it objectively. I have...

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"Aug 12" – Transactions & Portfolio Update

I’m not going to add to my position in the month of Aug further hence will post the T & P update earlier than usual. Transaction Date Counters No. of Lots Price (S$) Amount Buy 06/08/2012 Boustead 1 0.940 S$940 Buy 08/08/2012 First Reit 1 0.965 S$965 Buy 10/08/2012 FraserCenterpoint 2 1.755 S$3,510 Buy 13/08/2012 ParkwayLife Reit 1 1.965 S$1,965 Buy 23/08/2012 QAF 2 0.70 S$1,400 In the month of Aug, I have added on a few stocks such as Boustead, First Reit, FCT, PLife and QAF on market dips. Most of the stocks I’ve added above have went...

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Dividend investing is boring, boring…

“A good defense doesn’t lose you games.” This was one of the quotes from the famous soccer coach dubbed as the “Special One” Jose Mourinho during his times in Chelsea. What does Jose Mourinho and dividend investors have in common? They both play boring tactics but one that could be very fruitful in times to come. Don’t believe? Just take a look at what Mourinho achieve at Chelsea. Or what about the tiki-taka style of Barcelona? Dividend investing is outrightly boring and often the road to achieving success from it can be very lonely at times. Time and time again...

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A Perfect Life Balance is all about Time, not Money

We’ve seen many people struggling to choose between work and life balance and to such extent they are lost in transition not knowing what they really want to do in the end. Just take a look at the people around you. There are some who struggle to find their feet, some who struggle at their career and some who struggle in juggling their families. All of these people have one thing in common. They simply plan too much to not to plan. To me, if you are spending the time right now determining the priorities in your life, an awful lot of hard decisions later...

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LKY’s National Day 2012 Hint Takeaways

Year after year the government’s national message to the public would always involved mainly the economy status of the state. Not this year. This year main takeaways from LKY’s national day message is clear and precise. “Get Married, have babies…Otherwise, the country will fold” Over the past few years, the government has tried ways and means to raise the nation’s falling birth rate but to no avail. It currently stands at 1.2, which obviously is well below the ratio needed to replenish more Singaporeans. Is the government going to offer more incentives to couples to encourage them to give birth? Does a 6 month maternity...

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Confession of my investing journey junkey

I had graduated from my Bachelor degree for more than 4 years now in 2008. Back then, I was filled with much hunger and desire to succeed in the corporate world. I was spending time at work on weekdays and money on weekends, not surprisingly to buy things that I don’t really need. I was earning around $2,500 per month back then I remember and I actually felt it was quite difficult to finish spending all those money on food, clothes, gadgets and everything else. Nevertheless, I still did finish spending all my money without a blink in the eye, thinking...

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"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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