La Papillion

An Empty House

August 4, 2014 by La Papillion
Financial bloggers always use rationality to convince readers. I think there’s another tool that is seldom used to persuade, and that is through story telling. I can blog out an article with 5 pointers, complete with reasons and supporting evidence, but it will not tug at the heart strings of my readers. It’s emotionally dead [...]
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Rote learning is under-rated.

July 31, 2014 by La Papillion
Occasionally when I teach students, you tell them to do certain things but they will counter by saying that they won’t do it now but will remember to do it during exams. It’s always those seemingly small and minute details like writing some key words in their answers, or writing a + or – sign [...]
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I’m grateful for my bout of flu

July 25, 2014 by La Papillion
Recently, I’ve been struck by a very bad case of flu. It comes together with its usual symptoms, like sorethroat, cough, sneezing and fever. My usual treatment is not to see a doctor, but to eat fruits and drink water and sleep like a baby to wait it out. My philosophy in life is that [...]

in Categories: Uncategorized

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Thoughts after 1/2 yr of managing my parent’s money

July 23, 2014 by La Papillion
I recently handed a cheque of $600 to my father. It’s his half yearly ‘coupon’ from buying LP’s bond with a principal sum of 60k. It’s right on track to deliver 2.5% to 3.0% returns per year. Actually it’s more than that, but LP’s bond is capital guaranteed, I’ve to reserve a certain amount of [...]

in Categories: Investing

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To change yourself, first change your environment

July 21, 2014 by La Papillion
People who are not good in personal finance are usually in the presence of people who are not good in personal finance too. Birds of the same feather flock together, so they say. I think this phenomenon is due largely to the fact that we like to be with people who are similar to us, [...]
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The Can of Soup with Better Value

July 9, 2014 by La Papillion
I saw this question when I was teaching a student. It’s not new and I’ve seen it a long time ago, but it always tickles me whenever I read it. The link is here but I’ll type it out here too: Two different sizes of tins of soup are shown. The mass of the soup [...]
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Is it worth it financially to reduce taxes through donation?

July 4, 2014 by La Papillion
In Singapore, if you donate to Institutions of a Public Character (IPC), you’ll get a 2.5 times deduction of the amount donated to your chargeable or assessable income. This tax deduction period of 2.5 times is extended in 2011 and will last until 31st December 2015. I was teaching a student about tax because it’s [...]
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Starburst IPO

July 3, 2014 by La Papillion
I happened to chance upon this soon to be IPO-ed catalist listed company called Starburst. I must have found what they are doing interesting because during my last reservist, I went to a indoor range with artificially controlled lighting (that means you don’t have to wait for night for night shoots) and was suitably impressed [...]
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My salted fish had turned over

June 30, 2014 by La Papillion
First of all, sorry for the long hiatus. This had been a crazy June holiday, so all my free time is sucked up into never ending work. I’m very glad that June holidays is over, to the dismay of all school teachers in Singapore, lol! Recently, I noticed that one of my salted fish had [...]
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The holy trinity of returns, risk and liquidity

June 6, 2014 by La Papillion
There’s been much talk about the CPF rates being very low. About 2.5 to 4% depending on which account you’re talking about. It’s kind of hard to get higher returns than that while maintaining the same risk as that of a fixed deposit. What risk am I talking about here? It’s the risk of capital [...]
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So far so good

June 4, 2014 by La Papillion
I’ve been using YNAB, a software that allows me to track expenses and all my cashflow in different accounts with great precision and accuracy, since Aug 2013. Almost a year now. It works very good for me because there’s so many times that I’ve missed out on something and I didn’t know about it until [...]
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The Amateur and the Pros

May 17, 2014 by La Papillion
This is a post inspired by our Man of Leisure here.   If you’ve heard a amateur and a pro playing from the same music score, you’ll find that there’s a difference. Sure, the amateur can hit every note, even on time, but there’s a certain degree of interpretation which defines the amateur from the [...]
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Comfort is the place where dreams die

May 7, 2014 by La Papillion
I love Greek mythology. So in the past, hence it is now. There are many many parallels that you can draw from them. Some serve as warnings and some as inspiration. This one that I’m sharing is quite a well-read one. This is the specific part about Homer’s Odyssey. Odysseus, after losing his ship and [...]
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Invest in yourself first before investing in stocks

April 29, 2014 by La Papillion
I’m not in favor of young people getting into investments in general. It’s so prevalent now that it’s almost fashionable to say that you’re into stocks when you’re at a young age. What business do people who are still studying have in the stock market? None, in my opinion. They should focus on what they [...]
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Re-framing the savings problem

April 25, 2014 by La Papillion
Sometimes, to convince people, you have to re-frame the problem to fit into domains that motivate that person rather than motivate you. I saw a lot of bloggers posting ways to save money, which is all well and good as an individual, but shouldn’t work too well if they are a couple. I know that [...]
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MR loh!

April 21, 2014 by La Papillion
I’ve recently finished the last leg of my national service, the much coveted MR (Mindef Reserve) parade. It has been a very long journey – 13 yrs to be exact – since I was enlisted as a recruit when I was just 18. Some of the people whom I’ve met when I was 18 was [...]

in Categories: Uncategorized

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How to party a chaotic good character with a lawfully neutral one?

April 2, 2014 by La Papillion
I read an interesting article from wall street journal by Charles Murray here. In his article, he wrote that punctuality, orderliness and thriftiness are the top three personal habits that may make or break your relationship with your other half. I totally agree. Usually these 3 things are the ones that me and my wife [...]
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What’s good about owning a car?

March 31, 2014 by La Papillion
I had a car for about 2 years now and I dare say it’s one of the best things I’ve bought. This is in sharp contrast to other financial bloggers, who are mostly too quick to dismiss car expenditure as something frivolous and definitely under the category of “wants” and not “needs”. I thought I [...]
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