Author: Rolf Suey - Better Late Than Never

Think right and live right

A lot of times, we upgrade ourselves by learning a new skill in order to be more knowledgeable. We tend to focus on what the “upgrade” can do for us externally. For instance, the focus is to have a pay raise, to receive a promotion, to get a better job or maybe even because it is fun and interesting. This type of “upgrade” is usually an “outside in” changes. It is normally temporary. The most important change is normally not to externally add a skill to achieve a “job title promotion or salary increase”. It is to change the way we think. In...

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Rolf’s Updates – My Priorities in Life – Health, Finance, Family, Friends & Hobbies.

It’s been awhile since I last blogged. Apparently, this is only my 6th article this year. During my blogging heydays, regularly 6 or more articles per month is commonplace. Anyway a lot of good things take place since 1 year ago. I reckon I did not miss much, except for the missing all my blogger friends, my loyal readers or even for those who do not really like my blog. :-) My life was completely transformed since 1 year ago. It is as if it is no longer I who live. That the spirit of life and truth is...

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Baby Delivery Costs at Private Hospitals from 2011 to 2017 (TMC vs Mt Alvernia) – How Much Cash Outlay You Need?

Last month was an extremely joyful day for our family as we have our new addition baby boy. So I decided to compile the monetary cost of bringing him to this world. Refer to my earlier post in Dec 2014 when we had our last child. Actual costs from prenatal to delivery Below is a table comparing our 3 of our kids. Variations in costs Ward Type / Days Stay * TMC room rates – click here ** Mount Alvernia room rates – click here My wife only stayed 2 days in the hospital which is considerably short. In fact, mummy is so healthy that...

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Three important traits that most retail stock investors need to have for good success

1st trait  I remember in the last few years when I was really fervent into investment. No matter how busy I was with my family or work, I almost always will spend equal or more time and effort into learning to perfect my investment skills, even at expense of my sleep hours. This trait I call it “PERSEVERANCE” which is defined as “keep doing something steadfastly and does not give up”.  2nd trait  Then the oil crisis struck in late 2014 and not only it affected my stock portfolio but also my career. Companies suffered and many went bankrupt....

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How Real is the Trump-driven Stock Market Bull’s Run lately?

I had been away from the stock market for several months now and then I realized that there had been a bull run lately. Dow crossing 20k and STI crossing 3k. Wow… Great according to what Trump tweeted and many reckon he is going to transform the US economy for the better. You really think so? I remember in several months ago when Trump was the candidate, he mentioned we are in a day huge bubble that will burst anytime, and even worse if Fed is going to increase interest rate! Now he is the president and when Dow...

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My Rewards from Learning Investment

Last June, I wrote about “my greatest reward of learning investment” in one of my article titled “The Fallacy of “How to be Rich” from Investing in Shares (Part 2)”. I mentioned back then, that my stock investment did not increase my material wealth significantly since I started in 2010. Even if it did, it was a humble one, unlike the extravagant rewards you often hear on the advertised courses.  This is considering the fact that I did spend a considerably huge amount of time and effort into mastering the art of stock investment. Furthermore I do have an...

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Good Bye 2016, Hello 2017!

This is the first week of 2017. Happy New Year everyone! 2016 ended remarkably well for me and my family as far as intangible non-material aspects of life is concern. My family is healthier both physically and spiritually. Relationships in my house improved tremendously too. Above all, we were blessed with a godsend baby boy due in few months time. Financially, while income and investment returns fall, overall financial status and net cash inflow (income minus expenses) for the year are very healthy. The year also ended well with a close to three weeks break from work for me and...

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Differences between Happiness and Joy – Do you know?

Consider below statement: “As long as I am happy, I do no evil or nothing against law, I am clear conscience to my soul, I will live without regrets each day!” In contemporary society, many will think that the above statement is so true. Is it really true? Happiness Everyone wants to be happy. We make chasing this elusive ideal of happiness a lifelong pursuit. We work hard to earn, and after we earn, we either spent it on ourselves or on others. We collect things and constantly search for new experiences to satisfy our desires. But happiness depends...

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Latest Updates – Portfolio, Market and Life (The Good and Bad News)

It’s been more than three weeks since my last post. This is probably one of the longest breaks between posts for me since I started blogging in Mar 2014. Perhaps, it will be the case going forward at least for a while. To start, let us recapitulate the last update on my portfolio, market and life, here. Portfolio Brief  Very similar to last update except I further disposed more stocks to accumulate cash during this period. Super Group acquisition news and GLP rumored sale caused their stock prices to surge and I took opportunity to offload. Bad news I also accepted substantial...

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Good Fruits in Life – The Righteous Way (Part 2)

Earlier in Part 1, I talk about embracing the truth as one aspect of Good Fruits in Life. In this article, I will mention briefly on the path we should take to enjoy the true good fruits. Desire, discipline and hardwork just a pre-requisite Very often we hear many successful people saying that we ought to have desire and the discipline to achieve the desired positive result. Yes indeed that these attributes are the pre-requisite of the “Good Fruits” in life. Without desire and discipline, it’s like an engine that is obsolete and cannot even start! Then you need...

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Good Fruits in Life – Embracing the Truth (Part 1)

Have you ever wondered why you are that someone who never seems to achieve the results you desired in life? You are not a bad person, abide by the law, hardworking and quite intelligent but why is it so, that you are not as successful or even happy in life? Blinded from the TRUTH! Over-reliance on self First and foremost, ask yourself if you are someone who TRULY loves to embrace the TRUTH in life. Or are you someone who has over-indulgence in self-beliefs i.e. own thinking, own experiences, and own will.  You are always so obstinate in what...

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Latest Updates – Portfolio, Market & Life

Portfolio Brief    Cash – 45% Precious metals – 35% Bonds – 10% Stocks – 10% (current value) Excl. Cpf, Insurance and Property I had been very nonchalant on the stock market lately. In fact, since last year, I had been cashing out gradually. Recently, I am placing more emphasis in the understanding, learning and living the correct WAY OF LIFE rather than just focusing on material wealth. Why cash out?  Several reasons: Work Cashing out primarily due to my work. I will not go into details, but so many people in the O&G industry had already lost their...

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The root cause of today’s world problems! How to be saved?

Is the world a becoming a much better place to live? Errr…..maybe: Yes, if you are more concern about material success where personal pleasure pride and ego matters a lot to you. No, if you prefer righteousness, compassion for others, peacefulness and joy. If you belong to the “No” camp, then this article will be relatively easier to comprehend. If you are the “Yes” camp, hopefully this article can change your perception, even if it’s effect is comparable to a mustard seed. Is money root cause of all evil? So what is the root cause of all evil? I...

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Shipping, Oil and Gas industries – Where is the light?

The shipping and oil and gas industry are in dire straits. Hanjin Shipping – No longer too big to fail! The biggest news lately is the collapse of Hanjin Shipping leaving so many ships, cargo and crew stranded globally. Even the state-owned company is clearly “not too big to fail”. Korean government decided not to inject anymore capital in the mismanaged company burdened with >$5 billion in debt. Hanjin’s collapse is considered by some analysts to have the same detrimental impacts in the shipping industry liken to that of Lehman’s brother’s to the financial industry. Almost over 80 ships...

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Are you in a stressful “Dog eat Dog” work environment? How to deal with it?

I received a comment in my earlier blog post Happiness Vs True Happiness, from a reader. Below is the comment, which inspired me for writing this post. Hi Rolf, always enjoyed your enlightening posts. This post is something I have been struggling with as well. I work in the banking industry and it is a very dog eat dog* world.  I have been backstabbed many times until I have learnt to guard against others. And have become sceptical, selfish and hostile to some people. To be honest I feel that even if I am nice to these people they will...

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