Author: Investing Wolf

May 2019

After looking for so many IDs in April, we finally cut the list down to just 2 IDs. Considering that both IDs were able to give a final quotation according to what we wanted and within our budget, it was a tough decision (they were both really nice as well). We decided to go with someone who was familiar with us so that we can communicate better and expect that he caters his professional judgement and experience to make our dream house.We also went into KL for a short trip just last week. It was a well-deserved break for...

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Apr 2019

April came without me noticing… OMG… I wanted to do a post every month and I didn’t even realised March went away. Oh well… Been busy with work, wedding, house, and financial education since March. In February, we went for our very first Singapore Zoo Run. Although I just had a night shift before the run, we managed to have a good walk around the Singapore Zoo talking photos. Both of us have never been to the Singapore Zoo and we thought it was a good idea to explore using the run for entry. In March, we did our...

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Feb 2019

January came and went without being realised… It only seemed like yesterday that we were counting down to the new year and today we are 1 month into the busiest year. In the U.S., the market looked like it is climbing back up since the correction in Dec partially due to the stay on U.S. Fed rate. It could signal an entry if it continues its uptrend. In January, Donald Trump also got served on multiple fronts… U.S. had the longest shutdown because of a political dispute regarding funding to build a “wall”, Roger Stone got indicted and his...

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Portfolio Jan 2019

December has been one of the worse months of 2018. The markets broke below the support of $2,632 and continued to drop 16% from $2,800 to $2,346. Overall, the market dropped 20% from the highest point of $2,940 in September. As 2018 ends, I realized I made quite a few big purchases, many of these are my wants not my needs and I made a huge loss from the drop of S&P and crude oil. I’ve also moved a large part of our CPF into SA while utilizing some money to invest using CPF-IS. Overall, still managed to increase...

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Dec 2018

I have not been posting anything for a couple of reason. Up till today, I’m still coughing non-stop. Following the news, the trade war has finally got a truce from the 2 superpowers but the most surprising new was the liquidation of OptionSellers. They were the reason I started with futures options and to see that they lost everything because of naked selling, kind of reminds me the earlier days of my journey when I risked a lot doing naked trades. Lucky for me, it didn’t end my account. Since the huge loss years ago, I’ve not ventured into...

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Should we change to OCBC 360 with their new terms?

I’m sure by now many would have known about the upcoming changes to the OCBC 360 terms effective from 1st Nov 2018 for all new and existing customers. If you have no idea yet, OCBC is updating their 360 account structure and you can read about it here. Here is a comparison on the current and updated structure of my previously beloved OCBC 360 account (currently uses Bank of China as holding ground for my emergency funds). Current structure Updated structure OCBC has changed to a tiered structure like many other banks and is encouraging more savings by increasing...

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Sept 2018

Aug was pretty boring also. So boring in fact, that I went and enrolled in a basic photography class. This decision was due to the fact that during the family trip in April – May, some of the photos were not taken to satisfaction. I’m glad I enrolled as the instructor gave many useful tips on how to use the different camera modes. I was also able to take several photos which I really liked during the class. This would most certainly prepare me for the upcoming Singapore Grand Prix, my annual cruise trip with Royal Caribbean and the upcoming...

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Aug 2018

Nothing noteworthy comes to mind for the month of July except for the famous Facebook earnings plunge (not that I’m invested in Facebook or anything). Other than that, it’s been a pretty smooth month. Haven been trying to get down to my photo editing for my family trip since May… OMG, I’m a procrastinator!     On the other hand, I’ve recently taken on more tasks in the various committee I am involved in. I’ve also restarted reading financial books (opening a book and reading usually cause me to sleep almost immediately).   In my SG account: I picked...

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Comparison of SIM-Only vs Corporate Plan

I previously made a post comparing the telco’s SIM-only plan against their regular plans. After showing it to many of my colleagues, many were interested to know if the plans were comparable after factoring in the recontract period and corporate discounts. Since MyRepublic just came out with their new plans, I figured that it deserves another look to see which is better (also because 1 of my phone plan is coming due soon). For this exercise, I’ve prepared some parameters to make it a near similar comparison and all the plans are calculated to Price/Gb/month. This means that the...

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Jun 2018

It’s been a while since I’ve written on my financial journey. While I’m occupied by personal matters, I find the Singapore market more and more attractive. Given that we just went past the 200-day moving average (MA), it’s a good time to look at stocks for the long term.   In my SG account: I recently bought more shares of STI ETF using my CPF-IS as the market went below the 200MA and will be looking to accumulate more shares if it continues to go down. I’ve also been looking at Singapore companies which have been increasing dividends, consistent...

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The time of the Sim Only Contracts is here!

I have wanted to switch phones for a while now as I realised the benefits of using a Sim only contract. However, I did not like Apple’s iPhone (never liked it due to lack of customization) or the Samsung’s S8 (weird sensor placement). When the S9 was introduced, I was sold… this is a phone which is a step up from my current S7 Edge. Also, primarily because the screen protector was failing, and I didn’t want to buy another one to replace it due to its age. Buying an S9+ was tempting, but it was just too much...

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Feb 2018

Feb 2018 A new year has come and the first month have passed. January was packed with many personal decisions. We started looking around at the hotels, restaurants and bridal boutiques for our wedding. After much consideration, we are about to finalise on a restaurant that is within our tight budget (mainly my budget) and signed a package with a bridal boutique at an affordable price (both me and the Mrs-to-be were happy with that decision). Although the wedding is in 2019, we feel it best to start looking into it and attempt to settle the big items before...

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Nov 2017

So… It’s been a while since my last post. Here’s an update on myself and my financial journey. Holiday in Gold Coast was very memorable as we got to try out skydiving in Brisbane, hot air ballooning, theme park visits (weather was cold, so there was hardly anyone in any of the theme parks), visited O’Reilly Hinterland tour, Harbour Town Outlet shopping and drove to Byron Bay Lighthouse for the sunrise. What a beautiful location for an engagement site. :P.   Went to Perth for second part of the holiday and spent it visiting the Perth Mint (the gold...

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Aug 2017

Finally!!! The graduation date has been confirmed and the trip to Down Under settled. Overall, I think we all deserved a long holiday for me to relax after completing my degree and for my GF who has been so supportive and tolerating my nonsense throughout this period. This is also her first trip to Australia… If you looked at the activities we planned, I would say it crossed out a lot of items in the bucket list. I even bought a new 4k camera as an investment for this and future trips. Will be posting some of the photos...

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June 2017

Here comes the 6th month of the year. Considering my last post was in March, I had not realised I had missed the postings of April and May. So much has happened within this period… To sum up the entire period, 1)     I successfully completed most of the assignments of my degree and the only thing standing between me and my certificate is the last paper which is due in mid June. 2)     I switched my CPF-IS account from DBS to UOB after realising the quarterly account maintenance cost of DBS charges $2/counter with a minimum of $5 while...

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