Author: Unintelligent Nerd

Makin’ money thru spinnin’ things

I think this will be a more “fun” post than usual? Every once in a while, I will come across posts from other financial bloggers emphasizing the importance of developing a side hustle to diversify one’s income streams. Out of curiosity, I have searched the net for viable side hustles. The answers are almost always the same. Be a writer. Be a celebrity blogger and earn through page views. Create an e-business. Create apps. Man! This is hard! I can suka suka pull off any of the above with ease meh? Then I looked around me and observe other...

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PhD Prostitutes

A couple of days back, I saw the following article being circulated on my social media feed: https://www.theguardian.com/us-news/2017/sep/28/adjunct-professors-homeless-sex-work-academia-poverty This is not new to me. I have read articles on the increasing amount of student debt in the United States. Students leverage up to pursue a degree in order to live the American Dream. Once they have gotten their coveted degrees, they are faced with the sickening realization that this is not enough. Masters! PhDs! You need MOAR to edge out against your competition. But are post-graduate qualifications really worth it? It depends on your major. In certain spheres on the...

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Q3 2017 Portfolio Update

I didn’t bother to find the exact date, but I should be 2.5 years old in the market as at September 2017. When I first started out in investing, I read voraciously (both books and blogs) and checked the prices of stocks in my watch list fastidiously. Now? I really couldn’t be bothered with the latter. I am predominantly an income investor who invest for the long term. Once I identified my target, I allocate a sum of money that I am comfortable with to it. The amount I allocate varies, depending on the counter’s riskiness and the extent...

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Physicians Realty Trust: How are the Acquisitions funded?

Now that Physicians Realty Trust is on a downtrend, it is time to revisit a particular aspect of the counter. Physicians Realty Trust is a medical office REIT listed on the NYSE. It went public in 2013 and, since then, have been embarking on an acquisition spree. I first came to know of the counter when I looked through the holdings of some other US financial bloggers and it piqued my interest. I have left it at the back of my mind as it wasn’t the right time to invest in the counter back then. Months later, the share...

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Emergency Fund and other Miscellaneous Updates

Since writing this post, I have been faithfully allocating a portion of my salary to our emergency fund. For the months of August and September, I contributed a total of $3000 to the emergency fund, bringing the total sum up to around $14000. Assuming a monthly contribution of $1500, our emergency fund will hit the target sum of $20000 in January 2018. Well, I could accelerate the process though. I could consider bumping up the monthly contribution amount. But is this worth it? It will make me cash-strapped and miserable for the next few months, just to hit the...

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Eschew the too-good-to-be-true carrot

This post is inspired by one of Uncle CW’s post (see here). In that post, Uncle CW highlighted that one of his friends (presumably holding a management post) has a subordinate whose mother-in-law paid for their HDB in cash. Uncle CW then remarked to his friend that he/she should not push his/her subordinate too hard at work as he could quit anytime. How true is this! Heavy financial commitments such as monthly mortgage payments are a good deterrent against worker bees from leaving their hives. This reminded me of a conversation I had with one of my group mates...

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Dividend yield trend during GFC using R

Done with writing another R script! Instead of correlating different counters together, this time round my script will be used to visualize the trend in dividend yield across time. I’m particularly curious as to the yield of some counters during the great financial crisis (GFC). It’s more for planning how I could prioritize my available funds. The function takes in three arguments: (a) the counter symbol, (b) the start date, and (c) the end date. The function consists of the following steps: 1). Use quantmod to import the historical data for a given counter into R, with the start...

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My Experience with Specialist Diplomas (Part 2)

This is a continuation of my previous post on Specialist Diplomas (see here). Course Content (continuation) Normally, lectures and tutorials are conducted in the same session. The lectures will be conducted in the first half, followed by the tutorials (or labs) in the second half. Besides learning in class, the lecturers also provide additional materials for out-of-class-learning/e-learning. This is more for self-interest though. Despite being a nerd, I don’t touch these materials. What? No time lah! Holding a full-time job and studying the main syllabus already saps up my time considerably. Assessment Generally, there are no final exams. You...

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My Experience with Specialist Diplomas (Part 1)

I have wanted to blog about this topic for quite some time already. In a few of my previous posts, I have shared that I have been taking 1-year academic programmes. I have been quite cryptic about it, alluding to it but never revealing what exactly am I studying. Well, I wanted to finish two of these Specialist Diplomas (shall refer to them as SD for the remainder of this post) first before writing a detailed post on them. As the two SDs I took are quite “hot”, I would not be providing you readers with the names of...

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Zen on the MRT (and other related stuff)

Two other bloggers have already blogged about their thoughts on the recent spate of train faults. As I have some time today, here are my thoughts on the matter as well. There are many things to fret about in life. When we were young, we fret over our grades. As we grew older, academic grades ceded its importance to career prospects. When we reach a marriageable age, our responsibilities and priorities shift yet again. Once we start a family, our lives does not just revolve around ourselves alone. It has to take into account our parents, in-laws, spouses, and...

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Curious observation of Saint-Gaudens Double Eagle sales across Bullion Dealers

On-and-off, I will monitor the respective websites of BullionStar and GoldSilver Central for any second-hand antique bullions offloaded by other customers. As a pet rock collector, the appearance of multiple Saint-Gaudens Double Eagles at BullionStar’s site a couple of months back piqued my interest.       After spending a few weeks contemplating whether to plough my funds in to add the esteemed coin to my personal collection, said coin went out of stock. Oh well, I thought. I have missed the boat. Anyway, the coin is not something that I must have; it’s something that is nice to...

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Claiming your SkillsFuture Credit

As requested by Sy in my previous post, here are the steps I took to claim my SkillsFuture Credit. Depending on who your course provider is and how they handle claims (either you pay first and they reimburse you later or the government pays the training provider directly), your experience in claiming the SkillsFuture Credit may vary. In my case, the prevailing arrangement is that the government pays the training provider directly. For my course, there is both a tuition fee component as well as an “other fees” component. It is explicitly stated by my training provider that the...

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Small issue with SkillsFuture Credit Claim

I have just received my course fee payment letter today. In 2 weeks’ time, I’ll be done with my 1-year academic programme. Following which, I have already applied and secured a place for yet another 1-year academic programme which I need to make payment for. This time round, I intend to use the SkillsFuture Credit to make payment, since it makes more sense to use it earlier compared to the PSEA account or other free resources (see here). Previously, I avoided using the SkillsFuture Credit for payment as I had to pay out of my own pocket first before...

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Is your family on the same page?

My mum knows what I am going to do in a market crash. I am going to empty my bank accounts in all their entirety and dump it into the stock market. This is not news to her. I have shared with her plenty of times my plan of action. However, I think it didn’t register in her head until recently when she clarified what do I mean when I say I am going to empty my bank accounts. Is it a figure of speech or is it a literal statement? When she realized it was the latter, she...

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Q2 2017 Portfolio Update

It’s midway through July and here I am typing out my Q2 2017 Portfolio Update. I have the necessary data but I was too lazy to slice and dice the data and organize it into a coherent post. Guess I’ll be doing it today. I’m using Kyith’s Stock Portfolio Tracker and dividends received are presented in a yearly format. In my last quarter update, I had to manually slice and dice the data in order to present the same information in a quarterly format. I spent yesterday night writing a R script to automate that process. Now quarterly updates...

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