La Papillion

Growing alfalfa sprouts

February 12, 2014 by La Papillion
As you can see from my previous post on growing wheat grass, I’m starting to become a urban home gardener. It’s the first step to take control of the things that we eat, which I believe will directly affect our health. There’s a lot of advantages to growing your own produce. I think firstly, you’ll [...]

in Categories: Uncategorized

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CMT retail bonds

February 10, 2014 by La Papillion
Capital Mall Trust (CMT) made an announcement today that they are going to issue retail bonds. The terms of the bonds are as follows: 1. Years to maturity = 7 years2. Interest = 3.08% pa, paid semi-annually on 20th Aug and 20th Feb, starting this Aug3. Capital guaranteed if held till maturity since it is [...]

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Clearing the clutter

February 6, 2014 by La Papillion
Do you believe in clearing clutter? I do. And I’ve been procrastinating for years and today I’ve finally done it! The clutter had been there even before I’ve moved to my new house and had been lying there for another 2+ years before I finally can’t take it anymore and went to settle all of [...]

in Categories: Uncategorized

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Running yourself like a company – Cash flow analysis II

February 5, 2014 by La Papillion
I think it’s important to take a look at your cash flow pattern throughout a year, so that you can plan out a budget or simply have the cash ready for big payments in certain months. I know, nothing ever works according to plan, but knowing what will definitely happen and what can happen is [...]
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Running yourself like a company – Cash flow analysis I

February 3, 2014 by La Papillion
I’ve been running a series of posts on the theme of managing yourself like how you would run a company. There are three important financial statements to report to regulating authorities or to investors; these are the income statement, balance sheet and cash flow statement. I’ve already commented on the first two. The links for [...]
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Running yourself like a company – Balance sheet

January 27, 2014 by La Papillion
The next report to look at is the balance sheet. This shows how your liabilities are like against your assets, and also the breakdown of the liabilities and assets. The sum of your assets minus your liabilities will be the book value of a company. In terms of your personal balance sheet, this is known [...]
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Beware of percentages

January 25, 2014 by La Papillion
On Saturday, I saw this newspaper clip on the Forum section of Straits Times, where readers write in to comment on issues. I put a copy here, with my own underlined paragraph: Click on it to enlarge. Taken from ST, 25/01/14 (my own underlined paragraph though) The author wrote that “total expenditure for social development [...]
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The poor who commutes by public transport

January 23, 2014 by La Papillion
We all heard about this ang moh Anton Casey who post in his facebook that people who took public transports are poor. Hmm, really? Well, for one thing, a Porsche (a car that he reportedly drives) cost around half a million. If I can save half a million dollars from buying that porsche and take [...]

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Running yourself like a company – Income statements

January 22, 2014 by La Papillion
You should run yourself like a company. There are certain beneficial practices in running a company that we can learn from. There are 3 important reports that can determine the state of the health of a company. These are the balance sheet, the cash flow statements and the income statements. A company needs to have [...]

in Categories: Business

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Wheatgrass: from seedlings to harvest

January 20, 2014 by La Papillion
Not sure if you’ve heard of the benefits of drinking wheat grass. Apparently, it’s good for the health, but of course there’ll be naysayers who say that it’s over-rated. Whatever the case, drinking it certainly won’t cause harm, but might or might not have a good effect. Good risk-reward LOL! Anyway, I went to Katong [...]

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The year 2013 in terms of books read

January 16, 2014 by La Papillion
As per tradition, I always like to mark the year that had just passed by looking at the books I’ve read. Long time ago, I made myself a challenge that I would read 52 books a year – that’s an equivalent of 1 book per week, regardless of length. I no longer do that, though [...]
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13 things that happens when you don’t work a 9 to 5 job!

January 13, 2014 by La Papillion
I saw this great article posted on facebook here that talks about the 13 things that happens when you don’t work a 9 to 5 job (while others do). I found it totally relevant to me. For those looking to be self-liberated and join the ranks of the self employed, do check them out! 1. You [...]
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The musical chairs of investment

January 10, 2014 by La Papillion
I saw this comment in one of my blog post recently. It goes like this “Bullion Invest – Invest $500 Return $350 daily for 50 days Program A: You will receive Receive 70% daily for 50 days for every deposit made to the Standard Program. You will get your principal back immediately after your investment [...]

in Categories: Investing

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The allocation of my parent’s 50k

January 8, 2014 by La Papillion
On the last day of 2013, I’ve finished investing all the 50k entrusted to me into the market. I didn’t do it irrationally. I’ve been thinking about it for a few weeks already. My aim is to invest the 50k for a min of 2% and above, with very good chances of not losing the [...]
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SPRD Gold and OCBC charts

January 7, 2014 by La Papillion
Haven’t posted charts for ages! I haven’t decide to enter or not, so this is just my trading thesis. Here’s the two: 1. SPDR – Gold Weekly bullish divergence. A good entry price will be around 116.7 to 118. Exit around 124 (1st target) and 130 (2nd target) 2. OCBC Possibly daily bullish divergence Let’s [...]
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Systems vs Goals

January 6, 2014 by La Papillion
I don’t know if you’ve noticed, but suddenly everyone seems to be talking about the difference between goals and systems. I’m not going to define these terms, but I’m influenced more by Scott Adams way of throwing goals away and adopting a systems approach towards life. You can read his books about it but there’s [...]
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When to be IDEALISTIC or REALISTIC as a Self-employed

January 3, 2014 by La Papillion
Being self employed, it’s important to always have the ability to pay off your monthly expenses because your income does not come in the form of a pay check at the end of the month. Due to the variability of the income, I think it’s easy to be either too slack or work too hard. [...]

in Categories: Career

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Sg bonds listed in SGX

December 31, 2013 by La Papillion
This is the last of the 3 part series detailing all the fixed income listed in SGX. For those who just came in to read about this article, a little background of why I’m doing this. I’m trying to plan out my parent’s retirement fund. They gave me 50k not too long ago and I [...]
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