Author: Sillyinvestor

Random thoughts: Coporate Rats out there, We can be happy rats

This post is sparked by a post from Andy ( Tacoomb) but is in my mind for quite a while. In our pursuit of FIRE, let’s not forget the “now”. Of course, FIRE holds a lot of promise- doing charity, your own business, sleep till the sun hits your buttocks. It is a nice picture, and defintely a worthy pursuit. Full time giving back to society, sending your kids to school and picking them. What is there not to like?  However, a lot of those promises rest a lot on the personality. Look, no one is going to just...

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Random thoughts: What does Financial achievement means to u?

I felt a sense of financial achievement recently.   In the bloggersphere of investors, once we start showing our portfolio, we inevitable start to compare, and it haunt me initially. I felt so small, just like my portfolio. LOL. That was in the past.   Recently, on my trip to Ringku Outlet in Osaka, I struggled to convince myself to get a branded wallet and bag for my wife and in-law. They are value for money because they are at about half the price of what you get in Singapore.   I knew my wife always use a sling...

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Random thoughts: My thoughts of Japan’s schools

This is a random thought series and is purely my perception. I have already visited 4 schools. One “highly-ranked”public school, 1 private school (both junior high and senior high) and one international school. Beside the private school, the facailties is really so-so, but the facilities at the private school is rather impressive. Indoor swimming pool, art gallery and etc. But what really blow my mind away is a run-down international school. It is my vision made into a reality and shown in my face. The school does IB. Most international schools in Singapore has IB curriculum too. The curriculum...

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Coporate updates: Further liquidation of portfolio

Dear Readers, It is with great pleasure that over a short span of 3 months, Sillyinvestor inc has manage to have 2 counters that hit targets of gains of 32% and 39% respectively. The 2 counters are Yangzijiang and Venture. We are now 65% cash. Our company will not rush to deploy the cash. While the market is on a row, we decide to take risk off the table as we felt we might not be able to time the market correctly and get the maximum profits. YZJ holding period is only about 4 months, and Venture is 13...

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Random thoughts: using stop order to protect profits

Recently, I ask my broker for options in my interface for advance orders. I also pestered SMOL a lot since it is more complicated than I thought.   I did read up a bit before that. It is simple concept, but the interface isn’t. Basically to protect profits, u sell at a price lower than current price but it will not be activated until the market hit your trigger price.   What I want to achieve with this? Actually YZJ and Venture already hit my target gains. I am very tempted to take profits. So I actually key in...

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Random thoughts: Joy is both the fuel and fire for sustained learning

They say learning is to change.   I reflected on my learning journey. What are some of the things that I have been doing on a sustained basis, they are those related in my work and those related to investment.   The benchmark here is sustainability, not results. Not saying my teaching super solid or my investment skills power. But I am still trying out new ways of teaching despite all odds, even in school. While I might not be able to read as much in the past, I do have a habit of reflecting on the failures of...

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Random thoughts: Buy New, buy used or just renew COE?

I had the weirdest experience. My friend recently Trade in his previous Toyota Altis for 30K (about same age as mine) and bought a new one. I thought: Wow, it’s still worth so much. Assume Mine is worth 20K, it might be worth it to consider getting a new attrage (the cheapest Japanese saloon in market) I called the Mitsubishi showroom and ask for a quotation. I was quoted 8K for my Vios of mileage 180k. When I say de-registering the car now or by May would give me 8K too, since my ARF is about 14K and I...

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Lee metals: Still delivering

Dividends that is.   While NP profits fell compared to a year ago, dividends of 2 cents is 0.71 of EPS and 0.35 of FCF. No financially strain here,.   I recently increased my position. I felt 2017 will be a better year for Lee metals. I have holding this company since 2013, and has receive 8.5 cents. Before u poke, let me strip myself- I bought it at a av price 33 cents.   If we track BCA demand, 2015 is a bountiful year. Billing was 35 Billion. 2016 was 26 billion. 2017 minimum range is from 28...

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Random thoughts: The sense of urgency as a student

Time flies, as much as I enjoy my semi-retirement life as a student, (Stressfree at full pay, how cool is that?)it is almost at half way point. It is quite a hectic schedule, but stress-free, makes hell a lot of difference.   I felt an urgency to really read as much as possible, talk to people as much as possible and prepare as much as possible before I go back to school, because I am aware, once I return, my capacity is so stretched that I cannot even think properly.   I have questioned many of my practices,  formed...

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Random thoughts: My biggest takeaway as a student

My mental model. Not the slogan shouting type of positive attitude etc. it’s my understanding and analysis lens. I now see issues in 2 ways: the pendulum and the ice-berge. Pendulum It’s easier to see the faults or weaknesses of current situation. But we sometime forget the trade-off when we swing the other side. Anything extreme is not good. But it is important to know where we stand in the arc of pendulum none the less. It makes us aware of how we do damage control or value add in terms of costs of being at this side of...

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FSL trust and signpost update

FSL trust I used to own FSL trust and it has been on my radar since. Many things have happened, and I thought readers should know. 1) CEO left. He made no secret his unhappiness and the board did not mince words in explaining the reasons of letting him go. Apparently, there is some coporate issue and conflict of interest. The Ex-CEO is accused of pursuing his own interest over the trust. 2) Profit guidance. The trust is expected to report loss due to impairment but still positive in generating cash flow. U can read the announcements from the...

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Random thoughts: Overpaying by 400% for years.

Car servicing and repair, is what I am talking about.   I have always gone to the authorized dealer for servicing and repair. I wanted a peace of mind. The fact that one of my friends had a bad experience with cheaper workshop also created my bias.   Yesterday, my car’s air-con was spoilt. I drive it back to Buneo Motors. I was told it was most probably a coil problem. I was quoted $2300 after discount. Although the price is ridiculous, I am still willing to go along with it, as it has become my habit and I...

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Random thoughts: meeting friends not seen almost over 2 decades

My college friends, to be precise.   We meet up during the CNY holidays but did not have enough. One of them is based in China, so we had a Friday lunch together. 5 hours just fly by.   I have wanted to write a post on my student’s life. It is like my FI dream come true. But decided against publishing it. I wouldn’t be able to meet them for lunch if I am not a student. A student life is cognitive stimulating but emotional less fulfilling for me, but definitely less mentally and physically taxing.   Anyway,...

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Random thoughts: Visual metaphor for self-awareness

During my course, there is this module on coaching. And my trainer causally remarked that when she was the principal, she actually ask the teachers to think of a metaphor for their school vision. I did the same for myself and realized a few things. 1) The first image that come to your mind reflect the state of current affairs. U have to be honest and not analyze too much. Just think of what comes to your mind. If it’s a beautiful picture, good, if it’s a ugly picture. Then u know u dun think too highly of yeh...

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1st guest post from Ted of Redbrick

I receive no rewards/ compensation of whatsoever from this blog post. My intention is simple, someone ask me for help, I help. Red brick, is talking about HdB loans options. I do not see how providing convenient to Ted in this case can anyway turn out detrimental to my readers and I believe the info might be quite useful. Again, I emphasized, I do not endorse anything and receive nothing in return. Here goes: —————————————————- 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...

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