Is Haw Par a golden tiger or a sick cat?

91be289850becf5c8bb351458930e58569c1bb72.jpeg

This is a guest post by the kind folks over at Investingnote. It seems that now they have an in house technical chartist and an analyst as well. Good for them. It's quite a detailed analysis with FA and TA perspective, but this kind of company isn't my cup of tea, LOL. The chart failed to trigger any buys in my system, so yeah, it's good to know about the company and keep it in mind the next time … [Read more...]

The math of crisis investing

I want to find out what is the possible rise in my portfolio after investing during crisis, and in so doing, I can find out the optimum amount of cash to keep. The problem with cash is that while it's very useful during crisis, there's a cost to it. It's the drag on your portfolio return, that is, your cash is rotting in the bank doing nothing. On the other hand, investing throughout the ups and … [Read more...]

The evolution of needs and wants

My baby is slightly more than 3 months old now, and I learnt a lot from the experience of being a first time father. One of the first things I get to observe is how the needs and wants of the child develops as he gets older. When my son is less than 1 month old, the term 'needs' and 'wants' are interchangeable. You can even say that the needs and wants are indistinguishable from one another. … [Read more...]

Fear-based selling

There's a lot of fear out there. Everytime you switch on the news, out of 10 news, perhaps 8 are bad news. Maybe some air plane crashed, some terrorist attacks somewhere, some murders elsewhere. Then comes the commercial interval selling things. It's known that fear can trigger emotional buys (for certain items), so is this the way to pre-suade consumers to part with their money?A typical example … [Read more...]

I don’t read; I study

This year is turning out to be a year of new systems. I had already implemented two systems, which I've dutifully blogged about in this post here. I'm still using them and they are serving me very well.This new system is a overhaul of a old one that dated back in 2007, so it has been active for about 10 years. I used to have a reading target of 52 books a year. I say 'used' because the new … [Read more...]

Government paid child benefits for self-employed

It's always hard to find stuff for self employed individuals like me, so since I've already done my research, I might as well share it with others who are in a similar situation as me. I just had a baby boy and he's doing mightily fine. As a self employed, I have no company benefits as a father. Since almost all the benefits given by the company as a employee is co-shared by the government … [Read more...]

Newbie’s guide to market depth

SGX is running a promotion for free market depth information, limited from 3rd April to 30th June 2017. I’ve not seen them done this ever before, so perhaps they are doing this to boost the liquidity of the market, or to sell them the subscription. Either way, take this as a free trial and see if it’s useful for you or not. Quite a few brokers are participating in this, like CIMB, DBS Vickers, … [Read more...]

Gradual effort, sudden result

A long time ago when I was just a newbie tutor, a parent sat in with my student for a lesson. After teaching the theory, I set the student to some work. For the greater part of the duration of the lesson, the parent saw me doing nothing but just watching the student do his work. Occasionally I would point out some things here and there but that's about it. The parents remarked that since I'm just … [Read more...]

Need a financial tribe?

If you want to be financially literate, you should be immersed in an environment where everyone is talking about it constantly. Some wise men did say that if you want to find out the character of a person, you just need to look at 3 of his closest friends. We're the average of the 3 persons we talk to most frequently. Being in a group of like minded individuals allows you to be completely … [Read more...]

Living your life in 2 hr block

cylon_10.jpg

There was a remake of Battlestar Galactica. It's a sci fi show about how a group of humans was attacked by a race of robots that they had created (it's a long story) called cylons. Only a few ships made it off the planet and they are wandering in deep space being pursued by the cylons. The attacks on the cylons are relentless, because every 33 mins, they will find out the location of the entire … [Read more...]

T+30 of being a Father

My baby just reached one month recently. In the midst of the showering, feeding, changing diapers routine, I didn't realize that 30 days had just flew past like that. So, how did a first time father feel after a month?1. Baby is living in blissful zenI must have mentioned it before. When a baby eat, he eats. When he shits, he shits. When he is uncomfortable, he'll cry. When comforted, he stops … [Read more...]

Comfort delgo : Goodbye or good buy?

This is a guest post from Investingnote. It's regarding Comfort delgro and it's mainly about touch and go FA and other industry news. I had already bought it some days ago and my views can be summarised in two pictures: Comfortdelgro weekly: bullish weekly divergence   Comfortdelgo daily: break out of down trend line and retracing back to … [Read more...]

Comprehensive financial cost from pregnancy to birth – Part 3

Finally received the final bill from NUH, so that I can properly blog about the cost of the entire pregnancy and delivery. To be honest, NUH billing is so complex and it's not immediate intuitive to know what the costs are. I received a total of 3 billings, one while in the hospital, one after I've discharged and the last one about 2-3 weeks after we discharged. Why so many bills? I've no idea. … [Read more...]

My notes on Tools of Titans

51m-tw10.jpg

I just finished the big tome of a book, titled "Tools of Titans" by Tim Ferriss. If you're into self help books, you cannot avoid reading his books. This book is a series of summary from all his 200+ podcasts (each 2 hrs+ long) condensed into one big compendium, divided into 3 broad sections of health, wealth and wise. As a financial blogger, you might think I'll dive straight into the wealth … [Read more...]

What I learnt from 14 years of tutoring

I was filling up some forms for baby bonus and all the other paper work, when I realised that I had worked as a tutor for 14 years! That represents so much of my life, so I think I should reflect and think about some of the things I've seen and learnt from my students and their relationships with their parents and school in general. It'll be a good thing to do less of the wrong stuff and do more … [Read more...]

Her motherhood journey – Part 2

This is the second part of our pregnancy journey. The first part is from my perspective as a father to be, titled aptly My fatherhood journey. This is wholly the work of my wife, who had taken time in between rest and her care duties to our son, to write out her reflections to chronicle this milestone event. After reading for the first time in order to post this, I feel that I need to provide a … [Read more...]

My fatherhood journey – Part 1

img_2010.jpg

2017 is such a significant year for me. There are different stages in one’s life and this year is going to be one of the biggest milestone in my life because I’m a father now! My baby was born on the 31st of Jan 2017, same as B's baby. I thought it’ll be interesting to hear about the birth of the baby from the father’s perspective, so I’ll share it here. I will talk about the financial cost of the … [Read more...]

Marginal utility of Time vs Money

I'm always fascinated by my earlier 'miserly' behaviour, like how I used rusty shavers to save some money or how I worked like crazy to save my first 50k until I get so burnt out. I framed it as a growth mindset, where I grew bigger than my problems, hence it's not that my problems became smaller and therefore manageable, but rather I grew bigger, so the problems no longer affect me that … [Read more...]

Circular for Bullythebear shareholders

CIRCULAR TO SHAREHOLDERS (“CIRCULAR”) in relation to THE PROPOSED CONTINUATION AND FUNDING OF PREMIUM CBOX (Thereafter, “THE PROPOSAL” ) ------------------------------------------------- DEFINITIONS For the purpose of this Circular, the following definitions apply throughout unless the context otherwise requires or unless otherwise stated. “BullyTheBear” : The award winning website … [Read more...]

Gong xi gong xi

surban10.jpg

Some companies are wishing themselves happy chinese new year with their retrenchment exercises near the festive season. One of the more notable examples is given below: Besides that, HSBC also recently closed some branches and cut some jobs (here). I guess we all have to strive for financial freedom one day, because there'll come a time where even if you want to work, you might not be able to, … [Read more...]