Author: Unintelligent Nerd

What will I do after achieving Financial Freedom (part 1)

This post is a response to La Papillion’s most recent post (see here). Now I am starting to think twice whether is it a bad idea to respond to his post. I have plenty of thoughts concerning this topic and I think it would be quite difficult to form it into a coherent whole. I think the most important thing is to know why you want what you want. Not many people are able to sufficiently distill their raison d’être and clearly articulate it to others. Personally, I struggle with expressing my worldview to others. It always end up...

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A Quick Analysis of Société Bic

A couple of months back, I was looking through the consumer staples sector and I came across Société Bic that is listed on the Euronext Paris (EPA). For those unaware, EPA is the French stock exchange. Société Bic is a company that sells stationery, lighters, and razors. I personally have come across the ballpoint pens that the company sells. I don’t think I have come across the other two product categories which they carry. What I liked is that the company is not dependent on any one category of product; their revenue sources are quite diversified (see screenshot below) and...

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Free course for Temasek Poly Alumni

Just a quick post. Don’t say Unintelligent Nerd bojio when there’s free lobangs. Apparently, Temasek Poly Alumni are entitled to redeem one free SkillsFuture Series course (see here for details). The course has to commence within the period of January to December...

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Working for Free/Working for Entertainment

It has been quite some time since I’ve last blogged. My specialist diploma programme is now underway and I’m taking a breather now that I have completed most of my project work. In the course of my studies, I came to re-confront my naivety because of something my lecturer shared with the class. I have not really shared this in detail in my blog before. Why am I investing? Is it a means to escape the rat race? Nope. I have always been enamoured with the life of a researcher. What joyous fun it is to spend my days...

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Random thoughts on various subjects

It has been quite some time since I’ve last blogged. My life has been a flurry of activities since my third specialist diploma programme commenced around two weeks back. So far, lessons are interesting and challenging. But this time round, there is more internal turmoil within me. Intrinsic motivation is somehow quite diminished and it takes considerable effort to muster my energy level. I guess I must be quite burnt out. I have been accumulating blog topics in my mind. As I am not able to expand on each individual idea to a full-length blog post, I will be...

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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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