Author: FinancialVeracity

Starhill – What really matters in a REIT?

52 Indicators/ 1 Billion trading seminars / 1 Gozillion trading “proven” methodologies I would say it is impossible for you to study everything and then choose the one that best fits you. Because by then, you would have probably passed away ( I know i would). So why Numbers are important?? Price to Book Value – 0.87 (This shows that the stock is undervalued)                                      Would u rather pay the full $186k for a Mercz CLA 180 or $161.82k? Total Debt to Equity Ratio – 55.893...

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How do I plan to increase my Knowledge (2 Steps)

but everything must pay…like that how to achieve financial independence  That sentence itself proves the lack of empowerment in understanding the importance of knowledge and time. Imagine you can cut short the amount of time to learn a single subject from 1 year to 1 month by paying $xxx amount? – But remember the time save = $$$ x $$$ First step – Identify what knowledge you lack of Do not know what to study???? This shows the insufficient knowledge of yourself and that is where you should start. It normally starts with personal development (I’m at this stage now) Coursera...

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Understanding Physical Gratification (Improving the investing mindset)

Whatever I want now has to happen now Have you realised that it is through technology that we start to crave immediate gratification?? The evolution of behaviour is shape day by day through the used of a single technology, for  example when you ON your computer now – it immediately starts up. Remember those day where computers were slow and we were using dial-up to surf the web? you tend to be more patient and understanding. It is not just through what you experienced personally but also socially (Youtube, Facebook, Instagram) – You see people who lives a certain lifestyle...

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REITS – Learning to evaluate (3 Steps)

There’s always a thousand and one way to evaluate What space does SoilBuild Covers? Manufacturing, Engineering, Logistic, Warehousing, Electronics, Marine, Oil & Gas, Research and Development and Value-added knowledge-based activities. What we are trying to look out for in this question is DIVERSITY  2. The numbers (2015 Financial Report) Portfolio occupancy rate – 96.8%  Number of Tenants – 113 No. of properties – 11 WALE (Chance of a property or a group of properties in being vacated)-4.8 Years Credit rating – BBB- Net property income – $67.8Million Total asset – $1.2Billion Total liabilities – $468 million Nav Per unit – $0.8 (Undervalued) 3. In a “Reit”...

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Credit Card – It’s better than cash!

You must be shitting me….HOW CAN CREDIT CARD BE BETTER?? These are the Two best credit cards to consider for  an average Singaporean (who does a lot of grocery shopping, petrol pumping and dinning outside) HSBC Visa Platinum Card  All you need is a $30k annual salary So let’s do the math together…. My family grocery (before the rebates and discount) will sum up to $400/Monthly, Petrol $320/Monthly, cable & bill payment would be at $150/monthly and dinning $200/monthly this means my family pay up to $870/Monthly. This means my family fulfils the second criteria!! So lets count how much we do save...

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Singapore plans to become the world’s first smart nation (Things you should know)

1) The importance of programming Kids (starting from 5 years old) in China and England have mandatory computer science class – where coding and hosting are being taught to them. This is where it build a huge gap in Singapore’s future workforce. 2) Investment opportunity This year, the government has committed US $13.8 BILLION in a 5 year plan to build innovation and technology adoption in companies and value creation in economy. This creates a thousand and one opportunities for us as investor to ride on! Health care, information technology, creative industries, fintech, retail and education are sectors...

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Housing – Buying/Selling (Learn it in 1 chart)

Singapore Property Price Index is the only thing u need to know Resale & New flat (SRX) – Overall an uptrend market The property index depicts the current health of the property market hence knowing this is vital. Looking at the chart, the first area (Between the red lines) was caused by the dot-com crisis followed by the gulf war. In 2005 (Green line), Government injected stimulus that boost the housing price. Lastly, 2008 (Last set of red lines) the housing bubble crisis. Learning to interpret the chart will help you in buying and selling your house at the so-called “right” time. For...

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Financial Independence – How I plan to achieve it (3 Steps)

It was 3 years ago where i start to see the importance of money, time and all the bullshit.. In order to plan the steps to achieve Financial Independence(FI), I have to first define what is my maximum spending amount a month that I think is sufficient (Physically, Emotionally, Spiritually). The figure would be $10k a month That number includes – housing rental, bills, parents allowance and all the other materialistic crap. The next step(2nd) is to figure out the formula to achieve that amount (which I will call it FI). Obviously, the most popular theory is to study hard(Academic...

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