Infographic – All You Need To Know About HDB Loan And Bank Loan (Guest Post)

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Buying a HDB flat for the first time can be an intimidating experience. It’s probably the first big ticket purchase in your life that will take the next couple of decades to pay off, so you’d definitely want to rake in as much savings as you can. Perhaps you have not really thought about what kind of loan to take up. If you don’t already know, you have a choice between taking up a HDB or bank … [Read more...]

What This GHOST Tought Me About Investing?

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No, I am not talking about the famous 1990 Ghost movie by Patrick Swayze and Demi Moore! No, I am also not talking about any ghosts in the Ghostbusters movies. In fact, I am not even talking about any ghost from any of the Hong Kong movies/series. What I am referring to is an old Korean TV drama series called Ghost (or Phantom). It was released in 2012 (5 years ago) and is not an … [Read more...]

January Is A Busy Month For Me!

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For the past few years, January seems to be my travelling month and there is no difference for this year. Will be heading to Eastern Europe during Chinese New Year period. So, yes, I will be away from the blogsphere during this period :-) So, spending quite a fair bit of time sourcing for the right tour package since mid-December 2016 (finally decided to go with Chan Brothers), sourcing/buying … [Read more...]

My "Rojak" Sharing #1 in 2017

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Time fly, we are already at the second day of 2017, in less than one month's time, we will be celebrating the Chinese New Year (CNY), the Year Of Rooster. I will be travelling oversea during this year's CNY and looking forward to the upcoming group tour (it has been a while since our last group tour to US many years back). As I always said, life is not always about money or investment alone, … [Read more...]

Your Options For Funeral Insurance (Guest Post)

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Most people do not want to start on the topic of reviewing their options for Funeral Insurance. The good news is that it is not as daunting as so many make it seem. In fact, many people enjoy comparison shopping when it comes to insurance policies. Funeral insurance costs are designed to cover all the expenses of your funeral. The thing about some plans is that when you subscribe to these, you … [Read more...]

How Is My Minion Portfolio Doing In 2016?

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Time flies, we are one-and-a-half week away to bid farewell to 2016, most people are starting to recap/review their hits and misses in 2016 and making resolution for 2017 and beyond. So, I would like to take this opportunity to recap my portfolio's performance in 2016. Even though there are still a couple more days to go but since my transaction volume is usually low and bearing in mind of … [Read more...]

From Fourth Telco To Fed Rate Hike – Exciting December

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Exciting week! Exciting December! While many of us are busy planning/clearing our leaves in the year end as well as cracking our head on what Christmas presents to buy, just within the span of one week, we've two major announcements (even though mostly anticipated, but still) smacked right on our face. I am sure at least one of the announcement has direct impact to what you are investing or … [Read more...]

Are You Happier In Saving Extra $X OR Earning Extra $X?

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There is a saying (from personal finance perspective) : "How much you earned is not the key, the key is how much you've saved"! Do you buy it? Of course, again, there is no right or wrong answer to this but more of a personal viewpoint. Having said that, I think it is beneficial for us to identify our own preference so that we can focus on the action that will make us happier. Hence, the … [Read more...]

Disconnected – Another Perspective From My Boss

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Recently, in one of my company section meeting, our boss shared a stack of pictures/photos (in the Powerpoint slide) revolving around the theme of DISCONNECTED (service). Two of the pictures shared that I can still remember: At one of the cinema chain (no name will be mentioned here), long queue being formed to buy movie tickets and beverages. A copy of cheque (with some highlight on … [Read more...]

Interview With STE from STE’s Stock Investing Journey

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Time flies! In less than one month, we will be celebrating Christmas then year end count down before saying sayonara to 2016 and welcoming a brand new 2017. Just like previous year and the years before, there are ups and downs in our life, some hits and misses, but overall as long as we keep going and constantly better ourselves, we are in the right direction. Oh, most important thing is to keep … [Read more...]

Any Sales In The Market For Black Friday Or Cyber Monday?

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Time flies, we are drawing closer to the end of 2016 as well as the most celebrated festival of the year, the season of giving. Of course, prior to that, we need to get pass 2 equally important dates of the consumerism i.e. the Black Friday (which is only one more day to go) and Cyber Monday (next Monday, 28/11/2016, which is cater for more online sales). I am sure you know why they are … [Read more...]

Interview With "Living Free" from Living A Free Life Today

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It is encouraging to see many young retail investors-cum-bloggers popping up in the local personal finance blogging scene. I thought it is a good way to detail down our investing journey in writing as I am pretty sure that a couple of years later, when you look back, you will be surprised how much you have learnt/experienced/grown throughout all these years. If you are keen to know which are … [Read more...]

Lippo Malls Indonesia Retail Trust – EGM To Acquire Lippo Mall Kuta, Bali

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Last week, received a thick package from Lippo Malls Indonesia Retail Trust, LMIR Trust (can tell from the envelop itself) but didn't open it until today. Apparently, it is a circular in relation to the upcoming EGM for the proposed acquisition of Lippo Mall Kuta, Bali. The purchase consideration is S$85 mil After attempting to digest the thick pile of sheets and given up after about 10 pages, … [Read more...]

Medishield Life – What Is Your After Subsidy Premiums In 2017?

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If you have not already known, our revamped Compulsory National Healthcare Scheme, Medishield Life is heading towards its second year from Nov 2016 onward. During this transition period, Government is dishing out a couple of subsidies to ensure that impact of the premium increase is mitigated (even though the full Medishield Life premiums can be paid via your Medisave account, as long as there is … [Read more...]

Never Say Never!

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Time flies, We are one month plus away to the most celebrated festive of the year! Ho~Ho~Ho.. Last night, Orchard Road has officially light up the X'mas lighting, amidst the gloomy Retail Industry (except the online retails, at the back of the record breaking of Singles Day sales event of US$18 billions by Alibaba on a single day), hopes it does bring along some much needed merry to the malls. … [Read more...]

Year Of Black Swans And My Little Mistake In Trading Today

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I am sure most of you have already read by now that Donald Trump will be the next President of U.S.A. Well, since that's what 55+ millions of US citizens are asking for, so be it. Just that it still shocked me to the max, I thought..... well, never mind... not my business. Come and think of it, 2016 is the year of Black Swans, from Brexit to Philippines and now the new US president, one blacker … [Read more...]

Would Your Tendency Affects How You Invest?

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Currently, I am in the midst of reading a book called "Better Than Before", by Gretchen Rubin. In gist, it is a book about changing our habits for the better. I am especially intrigued by the Four Tendencies mentioned by the author. Of course, these are nothing new, but I can relate to the way she is classifying them. The Four Tendencies that Gretchen Rubin is talking about are (extracted from … [Read more...]

Weekend Sharing – Something New , Something Fresh!

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Happy Deepavali to all the Hindu friends who are celebrating the festival! Time fly, we are at another weekend and it is already the last weekend of Oct 2016. We are one month plus away from Christmas and then here come the 2017 (the Year of Rooster, according to the Chinese Zodiac). Today, I will write something off the market, something new, something fresh that I've done/experienced in … [Read more...]

Phillip SGX APAC Dividend Leaders REIT ETF – How Is It Doing After Almost A Week of Launch?

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As a follow-up to my earlier post (click here to view) of the launching of the first ever home-grown REITS ETF - Phillip SGX APAC Dividend Leaders REIT ETF, it is almost a week now. So how does the ETF perform so far? From my earlier tracking, the ETFs launched with the following prices @ 20/10/2016: Phillip SGX APAC Dividend Leaders REIT ETF (SGD) : SGD 1.294 Phillip SGX APAC Dividend … [Read more...]

Weekend Sharing – Keep Going Amidst Gloomier Environment

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Recently, local and international environment/market are surrounding by the gloomier sentiments. Retrenchment (especially in the O&G sector), poorer company results, potential recession etc.. What should we do during this cyclical gloomy environment? Some retail investors/friends of mine are busy accumulating the equities (as they deemed this is the right time), some are accumulating … [Read more...]