Author: Lizardo Realm (Investment)

Age of Disruptions

Nothing lasts forever when change is a constant. Oh wait, that’s a lot of cliche in one sentence. Overdose of it perhaps? Getting back to the subject … ComfortDelgro is being disrupted by the likes of Uber and Grab. SPH‘s print media is being disrupted by digital media, even as it plays catch up while diversifying into retail malls and community care facilities. SingPost snail mail is being disrupted by e-mail, while its eCommerce offers patchy slivers of opportunities. Singtel is shifting from a pure play telco into a digital technology company. It’s hard for an incumbent business to...

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Multiple Streams of Income

A stocktake of income streams … At age 55, excess funds in CPF after deducting for CPF-RA (to fund CPF-Life) From age 62, Supplementary Retirement Scheme From age 65, CPF Life And throughout, complemented by passive income streams from … Savings accounts – interests (<0.5%) Money market funds – interests (0.5-2%) Savings account with special/high yield – interests (1.5-2.5%) Shares – dividends (3-4%) Preference Shares – dividends (4-6%) REITs – dividends (5-7%) Bonds – coupons (4-6%) P2P Loans – interests (12-25%; effective interest is lower due to defaults) Blogging income – click-ads (pathetic) Additional sources with constraints … CPF-OA...

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No Taxis In Sight

You know taxi companies are in trouble when … – You land at Changi Airport and there’s no taxi available to bring you home. – You try the limousine/Maxicab service and it say no vehicles are available! – When you eventually get into one, the driver seems to have difficulty breathing. – The driver signals right and the signal remains ‘right’ all the way. – You start thinking whether you should take over the wheel? Uber and Grab have reshaped public transportation. [Even if London has chosen to reject Uber.]   – My son decided not to meet us...

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Losing Weight is an Expensive Affair – Or Not?

There’s somehow this idea that to lose weight, one needs to eat “healthy food” and that costs more. That’s a whole load of crap! Perpetrated by those who want to profit from the ill informed. It’s a matter of eating less (which is actually enough), coupled with exercise. Everything consumed should be in moderation. For the occasional binge, exercise more. A lot more. So if you’re eating less, shouldn’t it cost less? There’s is really no need for all the fads of specialty diets. No need for some miracle “weight loss” chemicals. But I have heard of an interesting...

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Hitting Rock Bottom

Here’s one advice in a recent article: “… if the stock has hit rock bottom, but is set to rise aggressively, then it is better to just invest a lump sum to take advantage of the rise.” Oh right, that is so obvious. Surely. But … How does one know that the stock has hit rock bottom? Only hindsight can tell. How do you know that it is set to rise? That requires clairvoyance. God mode needed. Conclusion: Got say like never say. Smart sounding piece of utterly useless...

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Electronic Bills are Evil

I hate the move towards electronic records.  I get it. Save paper right? Save postage costs right? So everything in electronic form is good? And somebody decided to do automatic opt-in. Seems like a smart thing to do. Environmentally friendly and all that. The thing is, when there is a printed copy mailed to me, I read. But when it’s electronic, all I get is an e-mail notification. Then I have to go login, multi-factor authentication, clicking a whole bunch of menus, before I get to the electronic record. So I don’t bother. So recently, I finally realised that...

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An Ubery Experience – 3’s a Crowd, and High End Uber

I’ve pretty much stopped taking the conventional taxis these days. Grouchy drivers, strange driving habits, uncertainty of flagging down any when I most need, smoky oxygen-deprived cab, #hotlikefxxxbutairconcantgetanycolder – just too many downsides to name. Nothing personal against honest drivers making a living. But really, I don’t owe them a living. So if there is a cheaper and (to me anyway) a better alternative, I’m just going to switch camp. Uber or Grab? Up to you. I’ve tried both, can’t quite tell the difference in price. But Grab’s UX sucks, compared to Uber. Simplicity is good. Anyways, I’m cheapo....

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A Trip, a Fall, and a $115 Bill

My daughter is pretty enthu’ about badminton. So in pursuit of her interest, she had joined her school badminton team. The twice a week night training span 3 hours each time. A typical session will see them doing all kinds of dexterity and stamina exercises before proceeding to skills training and practices. I think it’s good for her.  On one such occasion recently, they were jumping over shuttlecock casings serving as makeshift obstacles. I guess her dexterity was low that day. She mistimed her jump and tripped over the casing. It toppled, and rolled onto the side. She landed...

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Paying $1 a Day to Reap Half a Million

My son has started his National Service (NS). As he charts his journey serving that nation, progressing from boyz-to-man, it’s perhaps also timely to set him on the journey to manage his personal finances. As a national serviceman, he is entitled to sign up for the MHA/MINDEF group insurance scheme with Aviva. It is really a steal. $500,000 term insurance coverage (inclusive disability benefits) is only ~$20 per month. Enrolling onto it was easy as he doesn’t even need to do the extra work of medical check ups given his NS status. We added on another $100,000 of personal...

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$Thousands Moved in a Minute

There is so much pent up demand to invest cash, even when if the opportunities are basically short-term junk bonds.  Each time Moolahsense launches a peer-to-peer loan campaign at 2.30 pm on a “First Come, First Served” basis, the loans are fully subscribed within a minute. My goodness, it has become a case of fastest finger wins!  A short pop by the toilet and I missed that window. What the shit, literally.  Want to lend money also difficult. Why do they launch these campaigns at 2.30 pm anyway? What surprises me is that most recent campaigns have been in...

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Health365 and counting

So I’ve been trying to clock 5,000 to 10,000 steps per day to walk off the calories. The logic being that 5,000 steps is approximately 250 calories expended. Doing that 30 days a month equates to 7,500 calories, which is about 1 kg of weight. [More on this: Investing and dieting – wealth and health] It’s not too difficult to reach 5,000 steps a day really. Walk to the MRT on the way to work. Walk out for lunch and back (I know, weather might suck). And again from MRT to home at the end of the day. A little...

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REIT on!

Owning a property can be a real pain, especially when you are still servicing a loan. Presuming it’s rented out, then comes the pain of maintaining the property and dealing with the rent collection and such. There’s also the income reporting and tax deductibles. Seems like quite a bit of work. But there’s an easier alternative of course. Outsource it! Let someone else manage it, and you are effectively engaging them to do it for you. Of course they take a cut, but you still get rental returns. With just one property, there’s however no economy of scale. So...

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Portfolio of 8 Singapore Stocks – Oct 2016

It’s been over a year since I started a Portfolio of 8 Singapore Stocks on 28 Aug 2015 for fun. How has that theoretical $100,000 portfolio fared after all the gyrations of 2016? Stock No. of  Shares 28 Aug 15 3 Oct 16 Value OCBC 1,300 $9.280 $8.650 $11,245 Keppel 1,700 $7.200 $5.300 $9,010 M1 4,200 $2.920 $2.440 $10,248 Boustead 14,600 $0.855 $0.815 $11,899 Kingsmen 15,200 $0.820 $0.650 $9,880 VICOM 2,100 $6.000 $5.720 $12,012 HourGlass 17,000 $0.735 $0.650 $11,050 GKGoh 14,900 $0.840 $0.810 $12,740 The portfolio is now $88,084 (dividends not considered) and completely red. It’s been a complete wash-out. I...

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When Junk Bonds Default

Opening disclaimer: I should first declare that this is not about some oil and gas company going under! It had to happen at some point. After a few months of trying out peer-to-peer (P2P) loan on Moolahsense, I’ve finally experienced the first delayed payment. The company concerned made two monthly payments promptly for a 12 month loan, but it was only able to provide a partial and late payment in the third month. Not good. It is a potential default case. As of now, I have 15 loans, each varying between $1,000 to $5,000. So it’s still well within...

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An Uber Shiok Ride

I am a late starter I guess. I’ve been patiently waiting for taxis on evenings after work, to catch the ride home. But it was only last week that I got round to trying out Uber. More specifically, UberPool, which is potentially a shared ride. The experience was seamless! After keying in my pick up location and destination, I got a response instantaneously. The Uber cab was only 2 minutes away. Must be my lucky day. And on the app, I could see his vehicle number, car model, where he was at that moment, and the route he was...

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