Archive

La Papillion

Thoughts after 1 month of YNAB

September 30, 2013 by La Papillion
I’ve finally reached the 1 month mark of using the personal finance software, You Need A Budget (YNAB). It’s the first time that my expenses are measured to the cents, inclusive of all the accounts that I had. In the past, I didn’t include the cash in my wallet and neither did I group all [...]
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I don’t know

September 25, 2013 by La Papillion
It’s so easy to say the three words, “I don’t know”. By saying that, you don’t have to put more effort anymore. You don’t have to try anymore and you certainly don’t have to blame yourself for not knowing. Just by saying I don’t know, you absolve yourself of all responsibilities. Suddenly, it’s other people’s [...]
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5 reasons why you need YNAB (and 3 reasons why you don’t)

September 20, 2013 by La Papillion
This is an unpaid review of You Need A Budget, also known as YNAB. I bought it last month from steam at a discount, but had long heard of it by others who gave rave reviews about this personal finance software. Since it’s at a great discount of 75%, I decided to plunge into it [...]
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Redefining your ‘self’ is the key to anger management

September 16, 2013 by La Papillion
Most people love themselves more than others. It is entirely understandable, though it is self centred and egoistic. Human nature perhaps. Is it possible then, that if the concept of self is widen to include others, then the self centreness will be morphed into compassion and empathy for others? By changing the paradigm of “me [...]
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Budgeting your time and energy

September 13, 2013 by La Papillion
I bought a personal finance software not too long ago, ironically on a website that sells computer games – the infamous “Steam“. As usual, my day begins by checking out on the latest offer on the gaming website. Sometimes, they sell games at 50% or even 75% discount. Even though I play games much less [...]
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Is your financial goal your Procrustean bed?

September 11, 2013 by La Papillion
It’s interesting that these days, there are more and more young bloggers who are financially enlightened. They started having the idea that retiring early is a worthy goal of their life, hence the way to achieve it is to increase savings, tighten expenses and work on their investment skills to increase their passive income. The [...]
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Multiple prices for Multiple income streams at Multiple avenues

August 1, 2013 by La Papillion
The world is a strange place. For Robert G. Allen’s upcoming seminar on 19th August, which is supposed to talk about how you can be a millionaire by having multiple income streams, the price differs from place to place. I’m not sure whether it’s done purposely by the organiser of the seminar to create price [...]

in Categories: Investing

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The social cost of reits

July 30, 2013 by La Papillion
Reits are hot hot hot. With the low interest rate environment, where investors are looking for a place to park their money to beat inflation, the yield of reits is indeed alluring. I’ve invested in them and they had made a fair share of profit for me. But because I’ve also went to the other [...]

in Categories: Investing

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A new journey begins

July 30, 2013 by La Papillion
While having a shower, I was mentally calculating the kind of money that I can save, given my ‘new’ circumstances now. ‘New’ because it had actually been a while – 2 yrs to be exact – that I had my own cosy hdb flat, I’m married and I’ve a pre-owned car. Realistically, these two things [...]
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Antifragile

July 12, 2013 by La Papillion
I’ve not done a book review in ages, believing that one should read a book in order to derive a personal experience that the book can only impart to he who reads it. Every reader will get something different. So, this is not a book review. This is my personal experience with this book by [...]
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Being comfortable with who you are

July 2, 2013 by La Papillion
As I get older in age, hopefully more mature in thinking, I realized that I’m more and more comfortable with being myself. When I was younger, there’s a lot of insecurities because there’s a lot of people that you feel that you ought to model after and ought to follow, maybe sometimes also to lead. [...]
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How pride gets in the way of having fun

June 6, 2013 by La Papillion
I’ve the fortune of teaching very young children in a group setting. From there, you’ll learn a few things by observing how they interact with each other. There was an incident where two best friends are arguing over something. It could be trivial to us, but for the children involved, it must have meant the [...]
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Bullythebear AGM 2013

May 23, 2013 by La Papillion
Notice of Annual General Meeting Bully the Bear Private Limited (Incorporated in the Republic of Singapore) Company Registration No. 8888168IP4 General information NOTICE IS HEREBY GIVEN that the 1st Annual General Meeting of the Company will be held at a secret location (only to be revealed to people who are attending),on 29th June, Saturday at [...]
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Reflections on owning a car for 1 yr

May 18, 2013 by La Papillion
Having owned a pre-loved car for slightly more than a year, I wanted to reflect on whether it’s a good way to burn the money and also to gauge what’s the real cost of owning a car. I did some calculation before buying, now it’s time to check back those assumptions and verify it once [...]

in Categories: Uncategorized

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Learning to say no

May 17, 2013 by La Papillion
I need to learn how to say NO. Perhaps it’s the up-bringing or the circumstances that lead me to think that being a nice-guy, you have be as agreeable to everyone as much as possible. Even to the extent of sacrificing yourself for the ‘greater good’. But experience had told me that there is no [...]
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The year 2012 viewed in the eyes of books

May 2, 2013 by La Papillion
I always like to note down the books that I’ve read and note down the ones that I might want to re-read again. By looking at the books that you’ve read, I’d like to review the year that had passed in 2012 too. It’s a bit late, I know, but better than never, haha! I’ve [...]
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How the things that I’m familiar with no longer exist

April 29, 2013 by La Papillion
I was lamenting to wifey that a lot of things in Singapore had changed, for better or for worse. This  came on the weekend when I visited Bras Basah complex near City hall / Bugis area. I was there, intending to go to one of the restaurants there for dinner and alas, I realised that [...]

in Categories: Investing

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Learning how to fail

February 27, 2013 by La Papillion
Would you do the same job that you do now, if you do not need the money? I think not many people would say yes, after all, we have to be practical and not follow our passions all the way to the long kang, especially if our passions cannot support ourselves financially. It’s kind of [...]
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