Author: BULLy the BEAR

Cars as memory markers

There was a time when I thought I will never get a new car. Why pay a premium for the smell of ‘newness’, I said. That was part of a conversation that I had with my wife many years ago. It goes something along the line that when we retire (without kids at that point in time), we should ‘heck care’ and get a 2 seater mini coupe to drive. That was when we had a debate on the merits of buying a new vs pre-owned car. You can see which side we are won over because we went...

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Cars as memory markers

There was a time when I thought I will never get a new car. Why pay a premium for the smell of ‘newness’, I said. That was part of a conversation that I had with my wife many years ago. It goes something along the line that when we retire (without kids at that point in time), we should ‘heck care’ and get a 2 seater mini coupe to drive. That was when we had a debate on the merits of buying a new vs pre-owned car. You can see which side we are won over because we went...

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My thoughts on the Mid-year exams removal

There are quite a few people in my circle asking me what I think of this news here. This news is regarding the planned removal of the mid-year exams for primary 3 and 5, as well as secondary 1 and 3. The intention is to withdraw from the narrow focus on grades so that students can discover the joy of learning. I can put on two hats to analyse this. One is that of a parent and the other is that of a tutor. As a parent: 1) My first thought is that there will be less feedback on how my...

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My thoughts on the Mid-year exams removal

There are quite a few people in my circle asking me what I think of this news here. This news is regarding the planned removal of the mid-year exams for primary 3 and 5, as well as secondary 1 and 3. The intention is to withdraw from the narrow focus on grades so that students can discover the joy of learning. I can put on two hats to analyse this. One is that of a parent and the other is that of a tutor. As a parent: 1) My first thought is that there will be less feedback on how my...

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The returns of OCBC 5.1% preference shares

I bought the OCBC preference shares, OCC 5.1% NCPS, a while ago for my parent’s retirement funds. I didn’t even know that OCBC had redeemed back the perp on their first call date until I saw the capital returned to my bank account. Another one bites the dust… So how had it performed? Let’s take a look at the details: 1st tranche: Buy date: 3rd-Feb-2014A) Buy price: $106.10B) Quantity: 100 sharesC) Comms paid for buying: $37.19D) Dividend collected: $2551.40E) Total profits: 100*B + D – 100*A – C = $1904.21F) Recall date: 20th Sept 2018G) Total duration: 4.63 yrsH)...

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The returns of OCBC 5.1% preference shares

I bought the OCBC preference shares, OCC 5.1% NCPS, a while ago for my parent’s retirement funds. I didn’t even know that OCBC had redeemed back the perp on their first call date until I saw the capital returned to my bank account. Another one bites the dust… So how had it performed? Let’s take a look at the details: 1st tranche: Buy date: 3rd-Feb-2014 A) Buy price: $106.10 B) Quantity: 100 shares C) Comms paid for buying: $37.19 D) Dividend collected: $2551.40 E) Total profits: 100*B + D – 100*A – C = $1904.21 F) Recall date: 20th...

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17 months of being a father

After nearly 17 months of being a father, I think I have that little bit of experience to talk about the changes that happened to me. The changes are significant enough that sometimes me and wife will say BC and AC, which stands for Before Child and After Child. “Oh, we used to be watch movies in the cinema BC 2012…“, laments the wife. “This is AC 2018, I don’t think we can afford to have a late lunch at Tim Ho Wan at 2pm anymore…“, I complained. Of course, mothers and fathers experienced the changes differently, but I...

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17 months of being a father

After nearly 17 months of being a father, I think I have that little bit of experience to talk about the changes that happened to me. The changes are significant enough that sometimes me and wife will say BC and AC, which stands for Before Child and After Child. “Oh, we used to be able to watch movies in the cinema BC 2012…“, laments the wife. “This is AC 2018, I don’t think we can afford to have a late lunch at Tim Ho Wan at 2pm anymore…“, I complained. Of course, mothers and fathers experienced the changes differently,...

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On why we do anything

There are 3 reasons why we have to do anything: 1) We want to do it2) We have to do it3) We do it so others don’t have to do it Reason (1) is more ego-centric, where we focus on the needs of ourselves. Reason (3) is more focused on the needs of a larger community of which we are a part of.  This concept came to me when I observed my 17-month-old child transition from (1) to (2). Initially, all the things he does is just because he wants to do it. As he slowly understands our household...

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On why we do anything

There are 3 reasons why we have to do anything: 1) We want to do it 2) We have to do it 3) We do it so others don’t have to do it Reason (1) is more ego-centric, where we focus on the needs of ourselves. Reason (3) is more focused on the needs of a larger community of which we are a part of. This concept came to me when I observed my 17-month-old child transition from (1) to (2). Initially, all the things he does is just because he wants to do it. As he slowly understands...

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The problem with grit

Grit is defined as the ability to keep persisting in something, regardless of personal discomfort, until you succeed or die trying. Grit is said to be a good predictor of future success, meaning that grittier kids have something in them that makes them able to take the necessary beatings in life to make it work out in the end. This concept is popularised by Angela Duckworth’s TED talk, which I think many of you had seen before. Let’s deconstruct grit. VALUE JUDGEMENT Grit involves value judgement. When someone didn’t do homework all the time, that is grit. When someone...

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The problem with grit

Grit is defined as the ability to keep persisting in something, regardless of personal discomfort, until you succeed or die trying. Grit is said to be a good predictor of future success, meaning that grittier kids have something in them that makes them able to take the necessary beatings in life to make it work out in the end. This concept is popularised by Angela Duckworth’s TED talk, which I think many of you had seen before. Let’s deconstruct grit. VALUE JUDGEMENT Grit involves value judgement. When someone didn’t do homework all the time, that is grit. When someone...

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Analyzing an Aphorism

Have you seen this quote before? On my social media feeds, I’ve been fed this quote a couple of times this week. The first time I read it, it seems pretty logical. In fact that’s the thing I told my wife too when she goes on some bulk purchase to save a couple of dollars. The second time I’ve seen it, I had a nagging feeling that something isn’t quite right. So I went to think and analyse deeper into this statement. Firstly, what is savings? Savings is what’s left of your income after spending. Mathematically, the formula is:...

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Analyzing an Aphorism

Have you seen this quote before? On my social media feeds, I’ve been fed this quote a couple of times this week. The first time I read it, it seems pretty logical. In fact that’s the thing I told my wife too when she goes on some bulk purchase to save a couple of dollars. The second time I’ve seen it, I had a nagging feeling that something isn’t quite right. So I went to think and analyse deeper into this statement. Firstly, what is savings? Savings is what’s left of your income after spending. Mathematically, the formula is:...

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Learning new things for fun

In the last week or so, I’ve been learning programming. I’ve done programming in the past using an ancient computing language typically used in old ancient physics or engineering lab (Fortran, if you must know) back in my university days. This time, it’s a new age computing language called Python. I’ve never been so excited about learning new things for a long while. One fine day, I just decided I wanted to continue my coding journey, so I just picked a language and started reading about it. I downloaded the python software (free) and started working on it. The...

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