Author: SG Young Investment

How much money do you need to own a condominium in Singapore?

Previously i blog on “How much money does a couple need to earn in order to afford a $300,000 HDB flat? Some of you may be interested to know how much money you need to own a condominium instead. This post will tell you whether you can afford one of those luxurious property in Singapore. Staying in a condominium feels different from staying in a HDB flat. There is security, a swimming pool, a gym, barbecue pits and also the feeling of a high end living environment. It gives someone a rich feeling perhaps? Nowadays condominiums are going high tech....

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How much money does a couple need to earn in order to afford a $300,000 HDB flat?

You have been dating your partner for the past few years and now it seems like the time to settle down. Apart from the proposals and wedding preparations, most couples will apply for a HDB BTO flat even before they get married. This is to ensure they have their house ready for them to move in by the time they get married. This is the dream of owning a home of your own for many young couples. Everyone knows that property prices have risen by a substantial amount over the past few years. Young people are getting increasingly worried...

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Baker Technology: A cash cow company

This is the first time i’m doing a write up on this company called Baker Technology. I’ve been invested in it since the beginning of 2012 and dividend yield has been great so far. This company has no debt at all with quite a big stash of cash kept away. It’s cash position stands at S$205.9 Million currently. This translates to a cash of 23.6 cents per share. At the current trading price of 0.31 cents, isn’t it a good bargain?  Credits: www.bakertech.com.sg As stated on its website:  Baker Technology Limited (Baker Tech) is a leading manufacturer and provider of...

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How banks make their money and why we should learn from them?

When we play the game monopoly, we know that the bank is rich and everyone pays to the bank when they buy a deed of land. In our real world, we know that banks are rich as almost everyone deposits money in the bank. So how do banks make money?  Banks lend out money and earn from the interest. This is the primary business of a bank. The business of the bankBanks do the same thing over and over again. Take the money they have, lend it out with interest, get back the money with interest and lend it...

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Teens in Singapore to Learn How to Manage Finances

Teens learning to manage finances early in life will be a revolutionary shift as far as Singapore’s growth in the areas of education and economics is concerned. Read on to know what the program is about and how it’ll operate! Even though Singapore already has a high literacy rate and is already the international hub of education, the Government of Singapore is keen to educate its young generation on how to better manage finances. As a practical step ahead in this direction, ‘teens studying finances’ will be a definite part of MoneySense, the country’s national financial education program. What...

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Croesus Retail trust 2nd Quarter results beats forecast. DPU 3.1% higher than forecast

Croesus retail trust has another quarter of DPU which is higher than its forecast. Final DPU is 5.24cents which will be payable in march. This is good news for shareholders of this trust. I’ve initiated a long position in November last year at a price of 0.875. After the announcement of good earnings, the stock price closed at 0.915 today. Another good news for shareholders. Credit: http://www.croesusretailtrust.com/html/portfolio_moriya.php Fundamentals wise, this trust remains strong and outlook remains positive. They have 4 shopping malls under them and all have approximately 100% occupancy rate. 100% of their total debt has been swapped to...

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Investing is like water that flows out

Water that flows is constantly renewed with fresh water. Water that doesn’t flows will become stale after awhile and the colour will change. Why am i talking about water here? The reason is I think water represents our money. Some time ago, there was one news reported where people feedback that one of the private swimming pools in a residential unit has not been changed for a very long time. Algae has started to grow in it and the water is no longer clear. It was later found out that the owner was not staying there and had turned...

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Buying the company on the streets (Part 2) – When to buy?

In the previous post, the companies on the streets were discovered in our everyday lives. I have said that even though we have discovered them, we should not buy them immediately. In this post, I’ll touch on some simple ways we can value a company. Knowing the nature of a business is important before anything else. What business does the company engage in? How much does that product contribute to the company’s profits? For example, we know G2000 is partly owned by Wing Tai. Wing Tai has a retail business but they also engage in building properties. G2000 is...

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100,000 page views!

My blog has surpassed 100,000 page views right after Chinese new year! An auspicious time for an achievement indeed. Thank you all my readers for your support and i will definitely write more quality articles this year. A peek at the top all time traffic source for my blog. As a finance blog, the top post should be something to do with investment but surprisingly it is not. The top all time posts was the post on my Taiwan trip which i manage to spend only $702 for 8 days. I discovered that various searches on Google ranked my...

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Buying a car with 100% cash and no debt

It’s the second day of Chinese new year and I hope all of you had a wonderful time with your loved ones especially your family members. The past few days I’ve been hanging out with my family and relatives. Its a good time to catch up and every Chinese New Year, it always seems to be a family gathering event. My relatives seem to be getting richer every year. Recently, one of my uncles bought a new car paying $140k in cash. Its a higher end car but well they are rich enough to afford it. I also had...

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Buying the company on the streets (Part 1) – Discovery stage

Introducing the company on the streets Everyday we go to work, we go to school, we hang out with friends and we go shopping. What if i tell you that you can actually own the shopping malls you go to, own the restaurants you patronise, own the retail outlets you buy clothes from, own the hospitals you visit, own the bus and MRT you ride everyday and even own the airlines you travel on? It is possible through a financial intermediary called the stock market.  When a company is listed on the stock market, it becomes a public company....

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A stock market bubble?

We’ve heard that there is a property bubble in Singapore as well as other parts of Asia like Hong Kong, China etc. How about the stock market? Is the stock market in a bubble too and where will the market head from now onwards? Last week, US markets declined greatly with the Dow Jones down more than 300 points on Friday. With this, Asian markets today also followed suit with major stock market indices on a decline. I have to ask myself this question:”Do i stay invested or do i sell away my stocks”. Will the stock market crash?...

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Undercover Happiness

This series was shown on Channel 5 where many successful individuals go undercover for 2 days to experience the life of an underprivileged family in Singapore. In this particular episode, CEO of Propnex, Mohamed Ismail, goes undercover to know more about the life of an underprivileged family. The family is poor but the children are still sensible to be contented that they have food on the table even though its only 1 dish for 2 meals a day. They don’t have extra money to have better food. This family does not have the chance to travel abroad and the...

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Asia’s Youngest Self-Made Billionaires

Forbes magazine regularly comes out with a list of richest people in the world and they’ve come out with a list of Asia’s youngest billionaires for 2013. On the list are Gree’s Yoshikazu Tanaka from Japan and Fang Wei of Fangda International Industrial Investment of Beijing in China. Forbes also came out with a similar list in 2008, which included several billionaires like Ma Huateng of Tencent Holdings from China and Chu Lam Yiu from Hong Kong. These young, self-made billionaires serve as an inspiration to anyone who believes that hard work—and a bit of cleverness—can indeed make you...

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What if money was no object?

I stumbled upon a site where the author wrote on her journey towards creating her dream job in less than a year. This blogger blogs about her travel experiences and is now ranked one of the top 50 travel blogs in the world. She quitted her job 5 years ago to pursue her passion in travelling. She has travelled extensively to many countries and then subsequently created her site www.justonewayticket.com.  5 years ago, she didn’t know if she would have enough money or if her passion in travelling can become her career. Now, she has successfully become a travel blogger with tourism...

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