You All Investment Bloggers Like to Make Investing Look So Easy (2)

Read? You All Investment Bloggers Like to Make Investing Look So Easy Avoiding those large losses that deplete our investing capital till recovery looks almost impossible is the key to the final outcome of long investing journey and strictly comply to this principle. 3 Ms - Method, Mind and Money Management! What did you actually see? What is that key to avoid portfolio destruction … [Read more...]

Life Insurance Is Definitely Important Up To Point X In Our Life Journey!

In personal finance; we have to be competent over the three scopes coveringsaving, insurance and investment through our life journey. On that night; one guy asked Uncle8888 for his view on life insurance; as usual he would illustrate his view on the flip chart with marker pen. LOL! Now; he illustrated the same view with better diagram here... … [Read more...]

I Am Liability To The Team!!!

Read? Random thoughts: Coporate Rats out there, We can be happy rats As corporate rats; we will run the Mill as dictated by Top Down and corporate development scene. We as rats running or spinning will have little control over how we should run the Mill. The day may arrive sooner than expected that we are no longer that happy rats running that old Mill. The Mill is unknowningly shifted or … [Read more...]

CAGR : His Human Asset vs. His Investment Gains. Who is more powerful?

Nowadays; many are talking about Big Data and Data Analytics. Long, long ago Uncle8888 as Baby Boomers already went big on Big Data and now he knows his Numbers and can show the Right Thing about CAGR between Human Asset and Investment. Singapore's blogosphere is lucky to have old folk like him who is also financial rubbish collector who can now present real big data on the truth behind the … [Read more...]

Give Your Child Fish Or Teach Your Child How To Fish

As parents we set real life examples for our children to learn from us and hopefully they will follow the right thing from us. Does it make sense to use CPF to be a long term endowment for your kids? One participant asked 2 questions a long the lines of: could we contribute more to our CPF SA, above the minimum sum limit and take advantage of the 4% interest is it a good idea to … [Read more...]

Hard Not To Fall Into Wow Factor In The Cyber World

Two very young investors; look younger than Uncle8888's two older children stayed back to chat with him on that night and leading to this discussion - The Wow Factor! Uncle8888 shared with them his experience with Wow Factor when he was newbie in the stock market! In Uncle8888's early days; there was no personal blogs and chatboxes; but there were public forums and chat rooms where many … [Read more...]

Some dividends are not meant for investors to keep forever or spend them off??? (2)

Read? Some dividends are not meant for investors to keep forever or spend them off??? S-REITs and their right issues. What is the issue with right issues for not-so-wealthy retirees who are depending on investment income to support their household expenses;  they better know what is dilution at personal investment level. It is same as the loud voice in the main stream shouting on … [Read more...]

Speaking And Sharing With Track Records!!!

Singapore Man of Leisure2 March 2017 at 22:28:00 GMT+8 CW, Lucky they got you! You speak from experience and track record ;) Go break a leg! CW8888:  Hmm ... That is really true! It is about track records! See for yourself. LOL! Uncle8888 knows his Numbers! What he shared is based on track records! He knows his total earned income from his full time employment since … [Read more...]

What Is Actually F.I.R.E??? Why We Should Love It!!!

F.I.R.E (Financial Independence Retire Early) After knowing a few F.I.R.E people .. some retire from their full-time job to take care their children i.e. becoming house-husband or housewife; some do full /part-time charity/church works; one of them full-time studying Bible and the rest of them doing free lance or part-time jobs F.I.R.E doesn't mean idling day after day; week … [Read more...]

You Know Company’s Balance Sheet In Its Simplest Form???

"Less Analyzing. More Investing!" - Createwealth8888 "To make money from the stock market, it is not how well you analyze it. It is how well you invest into it." - Createwealth8888 Company's Balance Sheet? How many retail understand how a company grows its balance sheet in a simple layman understanding without an accounting background? Uncle8888 has asked a few retail to think about … [Read more...]

MAS: Don’t trade in binary options on unregulated platforms

It says these are high-risk instruments, and many trading platforms are fraudulent and based outside Singapore. IN the wake of complaints from investors who have suffered losses, Singapore's financial markets regulator has warned against trading in binary options on unregulated platforms. Read? Option trading As Passive Income is still Hot!!! (2) Don't smile or laugh! You may also have … [Read more...]

Some CPF Matters : Understanding It Better By Actually Going Through The ProcessTo Do It (2)

Read? Turning 55 - and enjoying financial freedom (5) Today, Uncle8888 eng eng made another trip to Bishan CPF Branch. Last year. Thursday, 22 December 2016 It was like that .... CPF : You can withdraw interests from SA, OA and MA too. CW: Pls help to check how much interests I can draw out without touching my SA and OA. CPF: Wah! You have lots of interests to draw out. It … [Read more...]

Meeting And Learning From Successful Retail Investor And Trader

Last Friday; one new reader jio SMOL and Uncle8888 for kopi session at Ya Kun. After knowing that he has been trading US market; then we asked him what is his objective of meeting us? He said he wanted to meet and learn from successful investors and traders in Singapore to become an investor in Singapore market to build up investment portfolio for his retirement. Now thinking back. Are … [Read more...]

Financial Independence : Withdrawal??? Passive Income > Living Expenses??? (Good time to refresh before my talk)

Read? Financial Independence : Withdrawal??? Passive Income > Living Expenses??? True Story! Damn Good Advice! Reply #4 on Nov 15, 2015 at 9:33am me200, candy188, and 1 more like this ReplyQuote  Post Options Post by oldman on Nov 15, 2015 at 9:33am As I am now a consumer of healthcare insurance, what I am learning about insurance companies scares me even more. I was in hospital … [Read more...]

Number of 55-year-olds with Basic Retirement Sum to go up

SIX in 10 active Central Provident Fund (CPF) members now accumulate enough savings for their Basic Retirement Sum account when they turn 55. The number, first achieved in 2013, is likely to rise to seven in 10 for members turning 55 in 2020. Manpower Minister Lim Swee Say said that with higher wages and a higher labour-force participation rate, especially among older workers, CPF balances are … [Read more...]

The Three Matters On Personal Finance: Saving, Insurance, and Investment!!! (3) – Refresh!

Read? The Three Matters On Personal Finance: Saving, Insurance, and Investment!!! (3) The Grading for his competency in Personal Finance. It should be Well Done! He fully understands what is the purpose of Life Insurance when he was in his late 20s, married and progressively more children with more life insurance policies to protect his dependents. Life insurance is to cover Human Asset … [Read more...]

Less Analyzing. More Investing – CW8888 (2)

Read? Less Analyzing. More Investing - CW8888 This is the common response when someone began to talk about Investing with Uncle8888 ... Uncle8888: Why are you investing? Someone: I invest for income (or dividends)? Uncle8888: You look young. Are you retiring soon? Someone: No Uncle8888: Why do you need cash flow from stocks? You lack of money to use? Someone: No Uncle8888: … [Read more...]

Lucky Or Unlucky When You First Get Started Investing Over Market Cycles

Read?  How Much Luck in Investing Success? My Experience in 2008/09 Hmm ... like that then Uncle8888 was unlucky to read that book Rich Dad. Poor Dad at the wrong time and triggered him to seriously started his journey to Get Out of Rat Race when STI was near its high at 2583 and then crashed down to 1198. He was lucky or unlucky? Not sure but he did learn something very important and … [Read more...]

Do You Know What Is Market Cycle and Sector Cycle??? (2)

Read? Do You Know What Is Market Cycle and Sector Cycle??? Read? No Cut Losses & Multi-baggers For Long Time (2) Cut losses fast and live to fight another day! It could be true for trading for a living as they depend on cash flow to put food on the table. But; for retail investors who put food on the table from their earned income ; it is a different story! Depending on who you … [Read more...]

Two Bank Accounts? No, You may need Four! – (5)

Read? Retirement Income for Life??? (14) - How much is enough for retirement? If you are NOT into detailed household expenses tracking in view of controlling and tightening expenses; you may like to review Uncle8888's method of tracking household expenses for the purpose of knowing the Number and don't bother with its details to control expenses. It is just few minutes effort every moth to … [Read more...]