Correlations among the Fraser family members using R

So I've been fiddling around with R over the weekends. R is both the name of a programming language and an open-source software which is used for statistical computing. I'm using R in the workplace and it comes equipped with a full suite of packages for various kinds of data manipulation/analysis/etc. Not too long ago, I wondered whether could R be used for investing-related purposes. True … [Read more...]

A colleague’s financial woes

Recently, a colleague of mine has been experiencing an increased amount of financial stress in his life. He is going to get married soon, have to pay the down payment for his flat, and commence paying the monthly installments like all budding home owners. Besides the looming mountain of debt, he also has to service a whole life policy a "friend" sold him. Having read up a little on insurance … [Read more...]

The newest con artist on the block

I'm still feeling pretty angry over an episode that happened earlier today. I was out with my mum for a leisurely stroll around the neighbourhood and she was approached by an individual who possessed certain characteristics that evoked pity. At first, said individual offered some "products" to her, citing that it is for "charity." According to the individual, these products are "free"; the … [Read more...]

Q1 2017 Portfolio Update


Time flies. With a blink of an eye, the first quarter of 2017 has ended. How has my portfolio fared for the first three months of 2017? Decently, I guess? I think I should let the two charts do the talking. At one glance, Q1 2017 seems waaaaayyy horrible than Q1 2016. The huge bump in dividend in Q1 2016 was attributed to Saizen REIT. Portfolio-wise, I have been decreasing my reliance on … [Read more...]

History of Cash Calls for REITs (Updated as at 19 March 2017)

Wow. Time flies. It has been 7 months since I posted a list detailing the history of cash calls for REITs. I have just done an update to the list: 1). Added in new cash calls that happened within this period 2). Rearranged the list by alphabetical order 3). Added in past private placements which I have missed out 4). Created a page/tab to contain the information *points above* (or click … [Read more...]

Correction: POSB Invest-Saver’s monthly contribution amount can be readily tweaked!


Apparently the POSB staff made a boo boo. In my post on Optimizing my POSB Invest-Saver Plan, I shared that changes to the monthly investment amount only takes effect on the next next month. This information was provided to me by the POSB staff. However, a few days later....... The following screenshot from my iBanking account shows otherwise. This is good news. I can now "optimize" my … [Read more...]

Changes to Travel Smart Rewards

I received an email notification from Travel Smart Rewards today. For existing Travel Smart users, do take note of the following: Travel Smart Rewards will be transformed soon! In 1 April 2017, a new Travel Smart Rewards will be launched on a refreshed portal with new features and games. As an existing user, you will be automatically transferred to the new system. All you need to do is to update … [Read more...]

Optimizing my POSB Invest-Saver Plan

I started out my investing journey in March 2015. Back then, I was very much influenced by the works of commercial financial bloggers. "Buy STI ETF" they say. "You sure can't go wrong with this. 8% returns per annum! Furthermore, you get instant diversification with 30 brand name counters which everyone knows!" Books I read seemed to lend credence to this sentiment. After further research … [Read more...]

Allocating edu-chest resources

I have done some additional thinking after my two posts on the Skillsfuture Qualification Award and the Post-Secondary Education Account. These are resources for us to utilize, to upgrade ourselves in the face of even greater uncertainty in the job market. Besides the SkillsFuture credit, I have found other resources which could be used as well. As a whole, this pool of resources could be … [Read more...]

Coursera’s Paywall: What you could do about it


I was trying out a Coursera course yesterday before being rudely interrupted by the paywall. Prior to this incident, Coursera courses are free to complete (unless you wanted to pay for a certificate). I've spent quite a bit on Coursera courses when I was still a noob who couldn't differentiate between the quality of the courses offered. Once I've done my fair share of courses on the platform, I … [Read more...]

SCB e$aver Bonus Interest (1 Feb to 31 Mar 2017)


For those unaware, there's bonus interest to be gotten from SCB from 1 Feb to 31 Mar 2017. For more information, see here. Though it is for a short period only, I've made the transfer to net me slightly higher interest than the CIMB FastSaver's 1%. I used to wonder why other financial bloggers would bother transferring funds from one saving account to another to net additional interest … [Read more...]

What is the Post-Secondary Education Account?

After Foolish Chameleon's comment at my last post, it made me realize that public awareness of the Post-Secondary Education Account (PSEA) is abysmal. In fact, I did not know about the PSEA until around 2 years ago. Back then, I was searching for short academic programmes to take and PSEA was one out of many payment options I could use to fund my education. So what exactly is PSEA? Where did … [Read more...]

SkillsFuture Qualification Award: Not a free lunch for me


Ever since I've been told by my superiors that I'm eligible for company-sponsored training (about time yah? my previous contract jobs have no such benefits -.-), I've been combing the SkillsFuture course directory for courses that are relevant to my job scope. Incidentally, while browsing through the SkillsFuture website, I came across the SkillsFuture Qualification Award (see this link for … [Read more...]

Staying in First REIT or marrying just for the sake of marrying?

I must be getting old. I'm starting to get intrusive questions such as "Got girlfriend or not?", "How come you no girlfriend?", "Why are you still single?", and "Have you considered finding a girl and settling down?" In a few weeks' time, I'll once again be on the receiving end of the same old fusillade. Apparently, a simple and logical explanation of my situation never goes through: 1). I … [Read more...]

2016 Reflections

I'm late to the game. Most bloggers have already wrapped up their reflections of 2016 and have proceeded on towards welcoming the new year. Investment Portfolio My dividend portfolio is chugging along just fine. Soon, the annual dividends will be able to cover the $200/month POSB Invest Saver plan which I am on as well. :) At a portfolio level, I am overweight on REITs (bad thing!). I … [Read more...]

Top/Worst performers in my portfolio for 2016

It's coming to the end of the year. In one week's time, we will be ushering in 2017. So how did my income portfolio fare for 2016? I will officially be recording and tabulating the results on 31 December 2016, but it doesn't hurt to review the performance of my counters thus far. I'm not the type who monitors the prices of my holdings daily, so some of the top/worst performers were somewhat … [Read more...]

November updates

So what has Unintelligent Nerd been up to? I'm pretty much occupied with my new job and school. School work is tough. Considering my background, I think I got more than I bargained for by signing up for the 1-year programme in engineering school. For the first couple of weeks, the terms used by the lecturer flew past my head. My understanding has gotten a bit better since then, but there is still … [Read more...]

瞒天过海 as my preferred self-preservation strategy

Being a Facebook user, I am observing more of my friends/peers/juniors taking an interest in personal finance. In my news feed, I see more of them liking the pages of personal finance websites as well as sharing articles on personal finance with one another. I think that is a good thing. It is good to pursue self-education in the arena of personal finance which, in turn, would set them up with … [Read more...]

Book Review: Singapore’s Real Estate – 50 Years of Transformation


In my previous post, I alluded to my interest in developing competency in REITs analysis. However, there is quite a limited selection of reading materials that delve into the topic. For this reason, I broadened my scope and began sourcing for real estate materials in the local bookstores. Today, I will be highlighting some of the points which I have gleaned from reading "Singapore's Real Estate … [Read more...]

Musings on life

One long-standing concern which I hope to eventually eliminate from my life is my lack of career stability. Since graduation, I have been holding on to contract jobs as a social science researcher. While there are the lucky few who managed to secure permanent research positions as a degree holder, the majority of organizations in my field are looking for Masters or PhD holders. With plenty of … [Read more...]