Author: BULLy the BEAR

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, KGI, Lim&Tan, Kim Eng, OCBC, Philips, RHB and UOB Kay Hian. And before you ask, no, stanchart is not part of it, but you can...

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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 baby sitting her kid and doing nothing much, how come I charge so much for the fees? In the past, to prepare...

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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 immersed in an environment that will saturate your mind with the things you want most to learn about. There are times when I was ‘addicted’...

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Living your life in 2 hr block

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 fleet and everyone will have to be battle ready. The pilots have to fly out to meet the cylons in space dog fights,...

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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 zen I 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 crying. I think we can learn a lot from watching how a baby reacts and responds. They are living so much in the present that...

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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 trendline ——————————————————————————— Can ComfortDelGro(C52) regain its customers of taxi service? Brief Background of ComfortDelGro:  ComfortDelGro Corporation Limited is a Singapore-based investment holding and management services company. It operates in eight segments: 1) Bus & bus station 2) Rail 3) Taxi 4)...

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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. From what I observed, the first bill is to let us know the rough figures while the second bill is for us to foot a...

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My notes on Tools of Titans

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 part, but I read it from cover to cover. I think I do take in a lot of tips and pointers from the health section, and am...

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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 of the right stuff. Here it goes: 1. Daddies are mostly absent Throughout my entire career as a tutor,...

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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 little background information. The name of our son is Zef, and his chinese character has a 𦊊 inside. It’s pronounced as tian1, same as...

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My fatherhood journey – Part 1

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 whole journey, but I don’t want it to be the first thing to come to mind when discussing about...

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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 much. This three articles I blogged about has the same underlying theme: 1. Frugality isn’t just about saving money 2. Being frugal with your time 3....

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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 that talks about personal finance and finance related information “cbox” : The tiny little community space right at the bottom of and below the blog posts of BullyTheBear, where shareholders can type in messages and discuss the mundane and important issues of the day “Chairman” : Chairman of BullyTheBear website, known popularly as La...

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Gong xi gong xi

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, either because the economy had changed drastically or you are unfit because of health reasons. Have career aspiration or not is up to you, but one must definitely have financial...

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Is it a dream or a goal?

I was reading Tim Ferriss tome “Tools of Titans ” and finding little nuggets of information here and there. It was such a great education reading about psychedelics, strength training and ketosis – things that I don’t read about in general. This one by the famed wrestler Triple H stood out: Is it a dream or a goal? A dream is something you fantasize about that will probably not happen. You can dream of being a world class DOTA player or get all As for your exams, but without action, it’s just something in the potential near future that...

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