Author: Lizardo Realm (Investment)

When My Luggage Went Wandering

Wifey and I flew from Singapore to Belfast recently on British Airways, transiting through Heathrow Airport. It was a luxe trip as we decided to go with business class for the outward bound flight. We figured we could splurge and have a decent sleep on the way there, especially as we would be arriving in the morning and had to drive up from Belfast to our eventual destination. It was a decent trip. The British Airways lounge at Changi wasn’t something to crow about. Decent, not too crowded, but limited food options (although decent tasting) and we felt, drab...

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When My Luggage Went Wandering

Wifey and I flew from Singapore to Belfast recently on British Airways, transiting through Heathrow Airport. It was a luxe trip as we decided to go with business class for the outward bound flight. We figured we could splurge and have a decent sleep on the way there, especially as we would be arriving in the morning and had to drive up from Belfast to our eventual destination. It was a decent trip. The British Airways lounge at Changi wasn’t something to crow about. Decent, not too crowded, but limited food options (although decent tasting) and we felt, drab...

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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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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 SchemeFrom 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 – interests (2.5-3.5%; subject to policy changes)CPF-SA/RA/MA – interests (4-5%;...

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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 at the airport because surge...

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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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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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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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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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