Author: KPO Adventure

Monster Hunter World – Hammer Build (Max Earplugs + Attack Boost + Weakness Exploit)

I am sharing something different today – my Hammer build/equipment in Monster Hunter World! This mixed armor build gives max Attack Boost (Level 7), max Earplugs (Level 5) and max Weakness Exploit (Level 3)! It comes with lots of slots for decorations/jewels too! All these are before augmentations. In my opinion, these 3 skills are necessary for a hammer player because we go for the highest damage output! Max earplugs ensure that we will not be affected by the monster’s roar and give us the opportunity to continue whacking. One can argue that rolling out of the roar works but...

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Red Red Market for Chinese New Year!

Let KPO start by wishing all my readers a Happy and Healthy Chinese New Year! 恭喜发财,身体健康!Huat ah! It has been 2 weeks since I last blogged! CZM (being one of my readers) reminded me that it has been a long time! What have I been doing for the past few weeks? Busy playing Monster Hunter World! Hahahaha. I am currently at HR (Hunter Rank) 52 and have clocked > 80 hours of gameplay till date. Shall stop here, CZM is already complaining she has lost her bf. Apart from gaming, I am also busy preparing my wedding video speech...

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StashAway – January 2018

We have decided to invest more money (from $500 to $1,000 monthly) through StashAway and I blogged about it here – Automating Capital Growth Through StashAway. ACCOUNT SUMMARY(as of the last day of the month) Based on the statement (30 Jan 2018), we had $90.46 profit after taking into account a -$56.00 currency impact. The profit has vanished in the last few days to $13.00 but we are not too concern. Short-term volatility is noise while long-term will be $$$. That is how the market works. SGD time-weighted returns: 0.7% USD time-weighted returns: 4.5% 2. PORTFOLIO DETAILS 3. TRANSACTIONS I am still going to complain about the amount of...

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Portfolio Update – January 2018

Our portfolio increase by 7.24% to $317,607 – $11,311.22 of capital injection and $10,137.30 of  capital growth/reduction. The year started with a BANG and within the first week, our portfolio crossed the next 100k milestone to $300,000. SOLD – Soilbuild Business Space REIT (15,000 units) @ $0.705 Soilbuild Business Space REIT was one of our biggest holdings with 30,000 units. It has been hit with a series of unfortunate events, one after another. Apart from the 2 defaults, the latest bad news is that their property has been revalued down. Based on the latest 4QFY17 results, NAV decreases from $0.72 to $0.64 which meant that it is...

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Ascendas Hospitality Trust

With the market running up so much and STI hitting a multi-year high, it has been harder and harder for us to buy stocks. Everything seems so expensive until today! Our latest buy – Ascendas Hospitality Trust 9000 units @ $0.895 :) Let me give a quick introduction to Ascendas Hospitality Trust. It has had 11 9 properties in 7 6 cities, 4 3 countries (Australia, China, Japan and Singapore) valued at $1.6 Billion. Based on the last quarter financial statement, its current NAV is was at $0.891 which translate to a PB of 1.01. However, on the 29th January 2018 (after market close), Ascendas...

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Free $5 for DBS Multiplier Account Holder

Facebook reminded me earlier that 75 people that liked our page have not heard from us in a while (about one week ago only!). Sorry for disappointing everyone as I have been busy playing Monster Hunter World! Hahahaha. What we like about the Multiplier Account is that it is hassle-free and does not encourage/force spending (minimum spend of $X amount on credit card). One simply has to credit their salary to the account + credit card spend of any amount ($1 also can!) or any of the 3 other categories (home loan, insurance or investment). Back to the free money!...

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Automating Capital Growth Through StashAway

A reader asked how does StashAway fit into our strategy of increasing passive income. The short answer is it does not! If you look at our portfolio, you will see a few counters that are very red. Those are some of my attempts at picking growth stocks as compared to the usual REITs/dividends stocks. When growth stocks do not meet its growth expectation, expect the share price to drop significantly! Personally, I find it extremely difficult to pick value/growth stocks and the idea was reinforced in my mind when I came across another article by Thumbtack Investor – What Makes...

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Salary – You Are Your Best Investment

It is official now! KPO has been promoted and is no longer the smallest fry in the team. lol. The best part of the promotion is not the change in title but the salary increment that comes with it. I was given an increment of more than 20%! Always thought that I would never see such increment unless I change a company. With this, we have unlocked a few achievements in life: 1. Beating the CPF Ordinary Wage Ceiling ($6,000) – Going forward, we get to keep more cash! 2. CZM and I can no longer BTO for HDB...

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ThaiBev

We made our 1st purchase for the year! We purchased 6,000 units of ThaiBev (Thai Beverage) last week (9th January 2018) at $0.92. At the point of writing this article, the price is currently at $0.935. Yay! The latest news on the acquisition of Vietnam’s top brewer Sabeco sent its share price falling from a high of $0.975 on 15th December 2017 to as low as $0.90 on 26th December 2017 which is totally understandable. It is an expensive price to pay for an effective stake of only 26.3%. Vietnam Beverage Co Ltd won the bid for 53.58% of Sabeco which will be funded...

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StashAway Referral Link for Our Readers

A couple of readers have actually contacted me and ask for our StashAway referral link because we have motivated them to start investing. Unfortunately, I have been rejecting/turning down their nice offers because sharing our referral link would reveal our real identities and we prefer to keep them hidden as compared to saving a few dollars in fees. I contacted StashAway and they were kind enough to entertain me. So I am proud to announce that we have a referral link for our readers! You no longer have to go around asking friends/colleagues for one (my suggestion when I...

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StashAway – December 2017

StashAway did its first reoptimization for the month and you can read more about it here – StashAway Portfolio Reoptimisation. Unfortunately, USD continues to fall! 1. ACCOUNT SUMMARY (as of the last day of the month) Based on the statement (29 Dec 2017), we have $53.87 profit after taking into account a -$18.69 currency impact. The first week of 2018 has been great! Our returns went up even more to $129.54 but so did the currency impact -$58.71. SGD time-weighted returns: 4.4% USD time-weighted returns: 8.3% 2. PORTFOLIO DETAILS  We receive USD $10.27 dividends which have been paid and reinvested. This amount of dividends would have easily offset the fees incurred till...

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Portfolio Update – December 2017

Our portfolio increase by 5.35% to $296,159 – $10,344.29 of capital injection and $4,692.21 of  capital growth/reduction. The last few days of 2017 brought our portfolio value closer to the $300,000 mark! You can refer to Portfolio Performance in 2017 for more information on the performance for the whole year :) BOUGHT – APAC Realty (12,000 units) @ $0.86 I did a write up on APAC Realty previously. In short, looking at its PE and our entry price, the stock was worth more than when it first IPO-ed at $0.66. At the point of writing this article, it is currently trading at $0.89 :) Dividends The total dividends...

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1 Year Anniversary – Thank You to Our Readers!

It has been 1 year since we started this blog when there were only 2 readers (CZM read my post while I read hers) to thousands of readers now. Interestingly, the first post of the blog was actually written by CZM – Food in London on 29/12/2016. Let me share some interesting statistics/numbers which were contributed by each and every readers :) We have > 215,000 pageviews since inception! The number continues to grow as you read this article. The latest number can be seen on the top left hand side <— Majority of the readers are from Singapore. Majority of...

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2017 Expenses Review

I have been tracking my expenses since I started working 2.5 years ago. However, I do not do any budgeting as I believe that both of us have inbuild “kiam” (thrifty/stingy) mechanism to prevent overspending and did not want to compromise too much on the quality of life. Hence, the yearly review is important (otherwise, it will be pointless to track them). Looking back at my 2016 Expenses Review, at first glance I definitely did worst but I felt relieved when I dig deeper into the numbers. 2017 2016 % Change Wedding $14,267.74 $7,800.00 82.92% Parents $8,611.00 $7,653.00 12.52% Me...

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2017 Net Worth

Let me start by wishing everyone Merry Christmas!!! Net worth is easily one of the most important financial numbers one should know. It is like your personal balance sheet. This is the classic comic where everyone is actually poorer than the beggar who has a net asset of $2.73. Your friend/colleague may be living in a huge condominium, driving some fancy car but it could all be financed by debts. There is absolutely nothing wrong with that as long as their income allows so. You can refer to the following articles/google on the importance of net worth. InvestmentMoats –...

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