Author: Invest Openly

Everyone can be charitable NOW!

As a follow-up to my earlier post on Besides IQ, EQ and FQ, What About CQ?, thought maybe it is apt to share an positive experience that I’ve encountered through one of the volunteer event I attended recently. Two Saturday ago, decided to attend a volunteer event organized by Direct Life Foundation in bringing wheel-chair bound uncles/aunties to Jurong Bird Park for half-day excursion. It is half-a-day well spent as each of us (volunteer) are paired with one auntie or uncle and the mission is to bring them (in their wheel chair) to watch the shows/performances at various places...

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Is There Any IPO like Venom?

  If you have not already know, Venom is the latest superhero movie (or more accurately anti-superhero) movie starred by the competent Tom Hardy (as Eddie Brock/Venom). Before its wide release last week, it has received terrible reviews/rating from the so called professional movie critics (including those in the reputable site like Rotten Tomatoes). However, audience from around the world didn’t take heed from those “professionals”, instead, they (include myself) thronged the cinemas and made Venom the top movie in its first week of release (amassed USD80 millions in the US Box Office along, the reported budget of the...

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Besides IQ, EQ and FQ, What About CQ?

Wait! What Qs am I talking about here? The Q that I am referring here is “Quotient”, so you have the common ones like IQ (Intelligence Quotient), EQ (Emotional Quotient) and FQ (Financial Quotient), what about the last one, CQ? Anyone want to make a guess? No, I am not talking about cultural quotient, what I am talking about is “Charity Quotient” i.e. how charitable are you (voluntarily i.e. not due to peer pressure or assignment by your company but do it from the bottom of your heart)? Also, “charity” here need not be something big like involving in...

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5 Things I Learnt From Billion Dollar Whale (Book)

Being an ex-Malaysian and most of my siblings and relatives are still in Malaysia, I am still very much interested in the political development in Malaysia. With the new twist of development in the political scene up there, a new era has began. Finally, the first book that provide an inside account of 1MDB (1 Malaysia Development Berhad, Malaysia’s Sovereign Fund) is arrived! Authored by Tim Wright and Bradley Hope (Wall Street Journal reporters) with an apt title of Billion Dollar Whale. It took me less than 4 days to complete this 360+ pages of chronicle recount of events....

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Will Both Monk and Warrior Eat The Banana?

Recently, the personal finance blogsphere is filled with a vibrant debate between the monk and the warrior (and recently a few farmers and a Voltron also joined in the fun). I think it all started because of the blog post by Alvin Chow of Dr Wealth (Are Financial Blogger Sufferings?). In case you still do not have a clue of what I am referring to, in summary: if you are in the monk’s camp, you have a strong mind to endure “suffering” (read rigorous saving) and if you are in the warrior’s camp, you have a strong mind to...

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What Is Your Next Breakthrough?

We are coming to the last week of the 3rd Quarter and soon we are heading to the last quarter of 2018. Like last year, and the year before last, and the year before last last year (I think you get what I mean), we are living with hits and misses every single year. I am not only talking about your personal finance or your investment but rather life in general. We are deemed growing only if we learn/do something new, otherwise, we are just passing the time with repetitive daily routines. So, it is important to have regular...

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Those Who Like To Complain Tends To See The Glass Half Empty

Recently, the famous vlogger, Nas Daily’s video about Singapore – “The Almost Perfect Country” has attracted a fair share of sour grape comments from fellow Singaporean. Of course, everyone has their own rights to provide their opinion (be it online or offline), having said that, such negative comment on such a positive video do reflect something about them i.e. they tends to see the glass half empty. Again, there is nothing wrong to be on the side of “glass half empty”, just that people on this spectrum tend to forget (consciously or unconsciously) the water they already have in the...

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Book Review – Breakfast Club For 40 Somethings

Recently, I’ve just finished reading a book called “Breakfast Club For 40 Somethings” (by Vanessa Stoykov). It is a lighthearted and fun novel but also a financial planning book in disguise. Even though the book title mentioned about “40 somethings” but the financial teaching/sharing in the book is kind of universal and applicable to anyone at any age. Also, the story is based in Australia and hence some of the financial setting/context like more relevant to Australian, like the Super Fund etc… but we can always replace it with our local context like CPF fund etc.. A long-awaited reunion...

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SkillsFuture – Have You Made Full Use Of It Yet?

Beside the money under your pillow or in your bank account(s) and the shares/REITs in your CDP account, as well as the physical properties in your real estate portfolio, the other equally important asset that we all should amass is the skill sets/knowledge. That’s where SkillsFuture initiative came in to promote lifelong learning. I have checked with a few of my close friends and understand that all of us (including myself :-)) have not really made use of our SkillsFuture Credits (SGD500) since the implementation in 2016. Have you utilized yours? These are the free money from Government to...

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Kahoot – A Fun Tool For Learning and Sharing

Recently, I’ve chanced upon a fun tool/app called Kahoot! The name might not ring a bell for many but I like it very much and thought some of you folks might find it interesting too. Kahoot! is a tool with the ultimate aim of make learning FUN again. Basically, it’s a game-based learning platform, it’s suitable for schools, businesses or even social setting, as long as learning (or sharing) is the objective. You can create as many games (they call it Kahoots) as you like and host it (online or in physical setting) for the students/colleagues/audience to play. As long...

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We Are All Fall For Consumerism, One Way Or The Other

First, I wish to clarify that the “consumerism” I am referring to here is not equate to materialism even though the latter usually lead to the former. The idea is that you can consume something without the need to own it. Examples of consumerism that not equate to materialism are: The addiction of consuming free wifi at any possible public/private locations (whenever you are in restaurants that provide free wifi, you will hear the common question from the dinners – “what is the wifi password”?) Aggressive Consumption of news, especially junk news from social media Playing the free games...

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OCBC Service Outage – Is Singapore Really Ready For Cashless Society And Smart Nation?

If you are an OCBC account holder and trying to use your credit card or making some online transactions with internet banking or even withdrawing cash from ATM in the past hour (from 9PM+ onwards), I believed your action is futile as OCBC is experiencing a complete service outage (at the time of writing, all services are still unavailable). While we are still fresh from the Singhealth hacked a couple of weeks ago, this new event set me thinking whether we (Singapore) is really ready to be a cashless society or for that matter, our smart nation dream? What...

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Recount Of My Recent Day Surgery And The Importance Of Medical Insurance

  Yesterday, just underwent a minor day surgery at hospital and this post is just a recount of my experience and also touch a bit on the importance of Medical Insurance, especially Singapore since the medical cost is high.  The condition that I had is sebaceous cyst (x 2) and the day surgery that I went through is excision biopsy (as per the specialist, the cysts should be benign but there is a risk that it might be growing in size if leave them there, hence, I’ve made a quick decision to get them removed ASAP). As I decided...

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2 Upcoming Events That Might Affect The Stock Trading Volume

We have just celebrated Singapore’s 53rd birthday yesterday and soon, we are going to go through 2 upcoming events that might have some impact to the stock trading volume (at least to me). Do take note that this is a weekend post, so, take it with a pinch of salt :-) Event 1 – The Hungry Ghost Month (7th Month)  By the time you read this post, we are officially step into the first day of Chinese’ 7th month (aka the Hungry Ghost Month). If you are following this customary, you will know that there are many things that...

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Have you done anything NEW that challenge your comfort Zone recently?

World Cup 2018 is over, but life continue… Hyflux’s Townhall was ended disappointingly (to most investors), but life continue.. SingHealth has just announced that their system was hacked and 1.5 millions patients’ data were compromised (hot from oven, in case you are not aware),  but life continue… So, life continue as long as we are still breathing, however, the key is whether our life is constantly enriched? The only way to enrich our life is to expand our comfort zone and the only way to expand our comfort zone is to learn or do something NEW regularly. Something that...

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