CardUp – A Service Perfect for Renters?


First off, this isn't a sponsored post. I just stumbled upon their services and I thought that it is a pretty good service. All right, so what is this CardUp thing I'm talking about? Blah blah blah. What does it do? Instead of making monthly bank transfer to your landlord, you through them. They will transfer the money to your landlord, take a processing fee, and charge the whole amount … [Read more...]

TTI Portfolio Updates – April 2017


If there’s 1 thing I’d like to have right this instant, this is it: HUGE grass patch just beside the driveway for the kids to run around and for me to do a little kick around too. (There’s a goal post at the side, not seen in the photo) Ah. Simply next to impossible in Singapore. Now, I could really really get used to staying here. This massive complex is 1 house btw. Apple Orchard. … [Read more...]

Happy First Birthday, Poorlearnrich

Happy First Birthday, 穷小子!! There is no birth date for 穷小子 literally of course, but it will be his first anniversary since his first post. Times flies, while still remembering from how much he had learned along the way for the past year. It has been a while since the last post, and just saw that Poorlearnrich is moving towards 50k views. Thanks for all the supports.. ^^ Pardon for no much … [Read more...]

Aoxin Q & M Dental Group – First China Dental Play to List on SGX


Aoxin Q & M Dental Group Ltd (Aoxin), the first dental services and equipment provider in China, is scheduled to debut on Catalist tomorrow. Aoxin is one of the leading providers of private dental services/dental equipment and supplies in Liaoning Province, Northern China. China’s healthcare expenditure is expected to grow at an average annual rate of 11.8% on the back of rising affluence, … [Read more...]

7 things I learned from BreadTalk’s 2017 AGM

Late last year, BreadTalk made the announcement that the company had won the franchising rights to operate Din Tai Fung in London. It was certainly good news for shareholders as their investment value in BreadTalk appreciated by 40% to $1.40 in less than six months after the news broke. Beforehand, there was a group of Din Tai Fung lovers who set-up a Facebook fan page to petition the … [Read more...]

Company Factsheet of DBS Group Holdings Ltd

DBS Group Holdings Ltd (SGX:D05) is the largest financial institution by asset in the Southeast Asia region. At the end of 2016, the bank has presences in 18 markets globally. It has a total asset base of about S$482 billion. The two key markets of the bank are Singapore and Greater China. The two markets contributed about 66% and 25% respectively of the group income.DBS Group is now a … [Read more...]


一倍回报的股票 如果你投资一支股票后在3至5年能取得一倍的回报是否属于很有吸引力的投资?我不知道你的答案,但我相信对于那80%在过去10年利用公绩金投资亏损的投资者,我相信答案是肯定的。可能你还不能理解在3到5年取得一倍的回报意味着什么。我将从另一个角度来解释。如果你投入一万元在3年后增长一倍至2万元,这代表你的复合年回报率为25%。如果是5年后增长一倍也有14%的复合年回报率。 接下来将简短的分享一支能在接下来有机会让投资者有在此时买入后在未来的一段时间取得超过一倍的回报的股票。我在上一篇短文”凤凰传媒已跌落谷底你敢贪婪吗?”己经谈过这支股票,如果你有兴趣可以通过以下链接阅读。 凤凰传媒已跌落谷底你敢贪婪吗? 股票投资案例的分享: … [Read more...]

Random musings about Bangkok.

This is not a lifestyle blog but I spent the last 3 days in Bangkok in a fairly intense but fun trip. Here are some random thoughts from my trip. a) Singapore is losing on many fronts to Bangkok in retail and entertainment The retail situation in Bangkok is really so much larger in terms of scale and variety. The first thing you notice is that there is no "Capital Mall" effect and each … [Read more...]

3 Things to Avoid when investing in REITs


Following our Report Card Series on REITs , we zoom in on the three things that investors should avoid when making investment in any REIT. These three factors can significantly improve returns by avoiding REITs that are not worth our investment. Avoid Choosing REITs based on Dividends It might sound counter intuitive, but investing in REITs shouldn’t be just focusing on the potential … [Read more...]

A talk on "Fundamental Analysis: The Contrarian Approach"


For those who still do not know, I will be collaborating with InvestingNote by giving a talk on "Fundamental Analysis: The Contrarian Approach". Unlike the previous talk which focus on my scorecards or investing methods (there will definitely still be overlapping information), I will be focusing more on talk about investing via a contrarian approach. In my own opinion, if everyone thinks in … [Read more...]

Better Alternatives to get Miles (vs the KrisFlyer UOB Account)

In my last post, I wrote about how I was misled by the influencers who worked on the #KrisFlyerUOB campaign to believe it was a good account, when it really wasn't. Now that we've seen how lifestyle influencers are capable of royally screwing up reviews related to financial products, how about brands start giving the sponsored posts to the financial bloggers instead? A few folks have asked … [Read more...]

Should You Be Worried About Geopolitical Risk ?

European markets and Dow Futures seems celebrating on the news of today’s French Presidential Election result. FTSE , DAX and CAC 40 all up by 2-4% at the time writing and Dow Future also up by more than 200 points. Recently, investors seems given more concerns to geopolitical issues where it hasdominated the market move base on their preliminary or final results , since BREXITreferendum on … [Read more...]

How much are Airline Miles Worth?


I got into this topic by reading MileLion's latest poke post on the KF UOB account, how bad it actually it and finally reading his post of how he value miles. I think you guys would know this by now, but I find earning miles kind of lame. Flying to me is just transportation. I get into my seat, I fall asleep, I wake up for the food, resume sleep, and I de-plane. I get on the cheapest and … [Read more...]



What I like about investing is that how much one earns and profits from investing is pretty much within one’s control. Unlike the income which most of us earn as employees where we do not have much control, investing is a wealth platform where you could actually scale up the monies you earn or lose based on your own investing ability. Investing all starts with an idea: some like a dividends … [Read more...]

How to Buy Good Quality Properties 1-Day Workshop (May 14, 2017)

How to Buy Good Quality Properties 1-Day Workshop A workshop by Property Club Singapore Synopsis Do you know how to choose the best unit in a property development and the best house in the street? Do you know if you want to lease or sell your properties faster and at a rate higher than the competition, the project, direction, facing, layout, fengshui, etc. can make all the difference? … [Read more...]

12 things I learned from CapitaLand Commercial Trust’s 2017 AGM

With tears welling up in her eyes, she choked on her words slightly as she finished her speech. When she sat down, the audience gave a big round of applause, while the board smiled and nodded their heads in approval. The CEO of CapitaLand Commercial Trust had decided to end her presentation with a show of appreciation for her tenants and business partners who’ve helped make the REIT the success … [Read more...]

Krisflyer UOB Influencers’ Campaign Reeks of Dishonesty?

If I were to believe what all the influencers on the #KrisFlyerUOB campaign said, I'd think the account and debit card is a wonderful deal. Except that it is not. Now, here's where it gets interesting. I personally thought it was a terrible product, but apparently all these (realllllllly popular) influencers don't seem to share my views. In fact, they had nothing but praises for it! I'll … [Read more...]

I am an April fool?


This is going to be a short blog post of my April adventures. I sold half my stock portfolio.  There had not been any stock sale from me in the last few years. But in the last few weeks, I sold out significantly. I do not advocate market timing but I am doing this sale for a purpose. I will write a post on this in due time. I went to Melbourne to visit a friend. It was a great trip and … [Read more...]

Government paid child benefits for self-employed

It's always hard to find stuff for self employed individuals like me, so since I've already done my research, I might as well share it with others who are in a similar situation as me. I just had a baby boy and he's doing mightily fine. As a self employed, I have no company benefits as a father. Since almost all the benefits given by the company as a employee is co-shared by the government … [Read more...]