Author: Invest Openly

Money Is A Story….

Seth Godin I am currently in the midst of reading a gigantic book called “Tools Of Titans” (from Tim Ferriss, the famous author that brought us 4-hour workweek in 2007).  Effectively, it is a compilation of key takeaways from his previous interviews/podcasts with the hundreds of successful heavyweights over the world, including Tony Robbins, Arnold Schwarzenegger, Seth Godin, Jamie Foxx, Peter Thiel and many many more… Tim cleverly categorized zillions of gems into three key segments : HEALTHY, WEALTHY and WISE. I am still at page 587 of 1,596 of the ebook and it just happens to be the...

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

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 loan, as long as you are eligible for them. You might want to hold on to your cash and pay off your...

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What This GHOST Tought Me About Investing?

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 horror genre. It is a detective drama revolved around a team of cyber unit (computer forensics unit) with intriguing and twisting plots. Personally, I am not a K-drama fan and in fact...

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January Is A Busy Month For Me!

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 the winter clothing (just attended the tour briefing yesterday, January will be the coldest month in Europe), sourcing for the travel insurance etc.. Talking about travel insurance, will be getting...

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My "Rojak" Sharing #1 in 2017

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, so, I decided to start a regular sharing of anything under the sun that I chanced upon and find it interesting to share. I...

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Your Options For Funeral Insurance (Guest Post)

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 end up paying more in premium payments. Some of the risks associated with these include: Premiums that can be fixed or increased every year which vary according...

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How Is My Minion Portfolio Doing In 2016?

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 my minion portfolio size, I don’t expect it will change much during these few days. Here goes the summary of my portfolio (status as at 21/12/2016): Current Portfolio: Total Invested Capital                                 : SGD...

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From Fourth Telco To Fed Rate Hike – Exciting December

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 about to invest. First, the announcement of the fourth telco in Singapore. Finally, it was officially awarded by Infocomm Media Development Authority (IMDA) to TPG Telecom (Australia). It made the winning...

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

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 purpose of this post : “Are you happier in savings extra $X OR earning extra $X?“ Example: Assuming all things being equal, you can either : A) Save extra $1,000 per month ...

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Disconnected – Another Perspective From My Boss

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 the section whereby we need to write the amount in numeric as well as in word forms). So what is the disconnectedness here? Let me explain (or rather recite what my boss shared...

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Interview With STE from STE’s Stock Investing Journey

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 going and keep smiling! Today, I am proud to present to you one of the very established pioneer retail investors who have made it to ROME...

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

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 critical dates that a couple of my friends even jot down the dates in their calendar to ensure that they don’t forget to “take...

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

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 the new kids on the “blog”, the most convenient way is to check out our friendly financial blogs aggregator, The Finance Sg. It has been a while since my last...

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

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, most of the content are quite technical and lots of jargon here and there. For an existing investors, of course, the first thing that come to mind is the objective and...

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

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 sufficient balance). Do you know what is your Medishield Life premium, after the subsidies, in 2017? Well, there is no need to wait for the renewal notice from CPF Board or your insurer (if...

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