Being Smart or Having Luck In Life and Investing


Is it better to be born lucky or to be born smart? Veteran banker Wee Cho Yaw said that the late former deputy prime minister Goh Keng Swee once told him that it is better to be born lucky than to be smart. This is an abstract from an article on Straits Times which I chanced upon and it really made me think about life. If you did not know, Wee Cho Yaw is the chairman of the United Overseas Bank … [Read more...]

More Young People Want To Start Investing – How To Invest Successfully?


Since this blog was started back in 2013, I realised there are more and more young people who wants to start investing. Back then when I first started out learning how to invest, I went to many seminars in search for the answer on how do I make my money grow. Many of these seminars were preview sessions for a more expensive course which they would sell later. Many of them were conducted in small … [Read more...]

CDL Hospitality Trust – Is Hospitality Industry Recovering?


Previously I blog about the hospitality industry and why I think that it may be the next investment opportunity. You can read the post here. CDL Hospitality Trust is one of the hospitality trust stocks which I own and recently it reported its Q1 financial results. Looking at its results, we can know whether the hospitality industry is still on the track to recovery. Some of the hotels they … [Read more...]

Croesus Retail Trust – Another Japan Reit Potential Takeover


Croesus Retail Trust is not new to this blog. I've written several articles about this stock since 2013. It has been more than 3 years since I was an investor in this company. How time flies just like that. Investing in Japan Reits was a strategy I embarked on 3 years plus ago primarily due to macroeconomic reasons. Japan was starting an aggressive monetary and fiscal policy plan at that time … [Read more...]

Hospitality Industry – The Next Investment Opportunity?

Many great investment opportunities happen when the industry is still depressed and where the individual companies are undervalued. I've been looking for more investment opportunities and the hospitality industry came up on my radar. The hospitality sector is not all gloomy for every country. The 2 stocks that I have which have direct exposure in the hospitality industry are Ascendas … [Read more...]

The Shocking Case of An Insurance Policy

Just last week, there was a shocking case of an insurance policy which went viral. Apparently, this person's dad bought an endowment policy from prudential in 1994 where the maturity payout of the policy is suppose to be $42,000. He got a shock when his dad got a cheque of only $20,000+ just recently when it matured.My dad bought this prudential savings plan twenty years back and he was supposed … [Read more...]

Changing Your Financial Situation With The Early Retirement Concept

It is soon coming to the 4th year of this blog's existence. Through writing about financial topics, I learnt a lot in the process too. I also read from other blogs and learn from people who have manage to changed their financial situation totally. These 3 years plus has been a wonderful journey, meeting new friends and bloggers who make this journey a better one. We celebrate each other life … [Read more...]

Summary Of Changes Relating To Residential Property

The Ministry of finance made an announcement last week on the changes relating to residential property. Most people who own private properties would be happy to hear about this news as some measures have been relaxed. Summary of changes: 1. Additional Buyer’s Stamp Duties (ABSD) and Loan to Value (LTV) Limits While many people hope for the ABSD and LTV limits to be relaxed, the government … [Read more...]

Unlimited 1.5% Cashback With This New Credit Card

I love good deals so when I heard of this new credit card by Standard chartered, it seems too good to be true. Standard chartered bank always try to come up with good deals to attract consumers. From a consumer point of view, this is definitely good news. For example, many years back they had this savings account which gives 2% cashback on any spending if we use the debit card. I used it to pay … [Read more...]

Multiple Streams Of Income – Can It Be Done?

The fear of having not enough money or losing our job makes one think about how to create multiple streams of income. It has been a popular topic since many years ago in this uncertain world we live in. Just these few months, I've heard a few people got retrenched. This makes me wonder when will I be next?However, when we are already so busy with our work, how do we even have more time to create … [Read more...]

The Future Is Female Conference – A Women-only personal finance, empowerment and lifestyle conference

Did you know there are more and more female investors now in Singapore? With women's earning capabilities going up to be similar to that of men now, many are looking at alternative ways to manage and grow their money. For the first time in Singapore, there will be a women focused financial conference for all the females out there. Often, investment seminars are packed with men and this may be a … [Read more...]

Starhub – Dividend Investing Gone Wrong


There are many developments in the Telecommunication industry with the entry of a fourth operator soon in Singapore. As we all know, Singapore has 3 Telcos here namely Singtel, Starhub and M1. The 4th Telco which is coming will be TPG telecom. Let's take a look at Starhub in this post and see what went wrong with the share price falling from a high of $4+ to $2.80 now. Starhub was once a … [Read more...]

My financial goals to make the most out of 2017


It’s a new year again. How has 2016 been for you? As we begin the new year, it is time to reflect on my goals for 2016. Here are some goals I set for 2016: Advancing in my career  In 2016, I wanted to advance in my career after being in the same job for the past 6 years. I figured that if I continued to stay on, there wouldn’t be much progression. I also wanted to go into another industry … [Read more...]

Getting Out Of The Comfort Zone For Better Financial Health

Humans are strange creatures, many of us have different personalities and interests but one thing we all like is this thing called comfort zone. This sets the baseline for our life. The thing about comfort zone is everyone's zone is different. This is what makes it so interesting and how we can make use of this knowledge to have a better financial health. We often hear the phrase "you need to … [Read more...]

Can’t Get BTO Flat? What Are The Other Options Available?

Applying for a BTO may not be as easy as it seems with many couples trying many times and still can't get the flat they want. BTO stands for Build To Order where the government will launch new flats every 3 months for couples to try their luck in getting one of the units. The November 2016 BTO was especially hot with good areas such as Bedok, Kallang and Bidadari (Toa Payoh). All these locations … [Read more...]

Goodbye 2016 and Hello 2017

I thought of just writing some thoughts down before the year 2016 comes to an end. This year has been a year of breakthrough with my new job starting on 3rd January next year. It will be a total change in industry and job scope which I'm both excited and worried about. For this year, I had 2 overseas trips, one to Taiwan with my girlfriend and her family and another one in Hong Kong with my … [Read more...]

Woods Square Offices – The first office development in Woodlands Regional Centre


New Launch!The first office development in Woodlands Regional CentreIntegrated office development with retail, F&B and childcare centreLocated in the center of Woodlands' transformation - a Singapore government-led initiativeConnected to two MRT lines - North-South Line and Thomson-East Coast LineOnly 1 MRT Station ride to upcoming Singapore-Johor Bahru Rapid Transit System (RTS)No ABSD. No … [Read more...]

5 Days Trip In Hong Kong and Macau – Day 2


Day 2 of Hong Kong was all about Disneyland. Disneyland is located in Lantau Island which is near to the airport. To get there, Simply take the MTR and transfer at sunny bay station to the Disney resort line. There is a special Disney themed train to take you straight to Disneyland. Before heading to Disneyland, we went for breakfast at the famous Australian Diary company. As Disneyland only … [Read more...]

5 Days Trip In Hong Kong and Macau – Day 1

I just came back from a trip in Hong Kong with my family and my girlfriend joined in too for the first time with my familt. This trip took quite awhile to plan as I've never been to Hong Kong before. I had to read other people's blog and study the map and their train system in order to understand how to get around. Hong Kong is not exactly a cheap place to travel. For this trip, it wasn't … [Read more...]

How Much Can You Make From Investment? – Sharing Of My Personal Journey


Investing is a favourite topic among those who wish to achieve financial freedom. It is also a favourite topic for those who want to have more money in their lives. We invest for a purpose don't we? Many people ask how to start investing? I even have readers as young as 14 or 15 who ask how they can start investing. It is encouraging to know that there are many young people who want to invest. … [Read more...]