“What’s your biggest weakness?” [3/6]

My biggest weakness is: I’m a very competitive person which means I tend to be very good at my job but often at the expense of my personal life. – Or – I’m a very hard working person and often times I work so hard and so late that I neglect my family/personal time. – Or – I’m a strong team player and I care so much about my colleague and bosses that sometime I don’t even mind if it undermines … [Read more...]

Another set [2/6]

I have done two sets of 6 alternate days of 100 words writing goal. Now coming to the third set and will continue to do so afterward. I’m starting to feel a bit of the habit kicking in which was what I wanted in preparation for producing long form contents, and I’m working on one now. I hope it would not take too long to complete as in the past I often got myself spending too much too time … [Read more...]

Medium. [5/6]

If you have been following the news and have not living under a rock then probably have seen news speaking of medium’s recent layoff. The market sensing is that the platform couldn’t monetize successfully. However, I noticed a trend in Social media platforms these days which seems they have placed monetization at its early phase rather than take a “we’ll figure it out later” attitude. Snapchat … [Read more...]

Scaling Personalized Video [4/6]

5 min video is still too lengthy for someone to watch it all, I could shorten it to not more than 3.5 mins. I realized that since I’m targeting prospects of the same industry and criteria, I could scale it by splitting the video into two blocks. The first block is the introduction in which I would address them directly to make the prospects feel personalized, this has to be created … [Read more...]

Remember the meaning but forget the words [3/6]

The video script turned out to be bad, very bad. I couldn’t help but to reply bluntly “OMG, this is shit.” It was literally regurgitating my exact words during our conversation. What I said was meant to provide him with market sensing and situation so that he could visualise and come up with messages that meet the audience at where they are emotionally. Remember the meaning, not the words or … [Read more...]

Ernest’s market outlook (6 Jan 2017)

Dear readers, Two weeks ago, I mentioned that although Hang Seng is in a downtrend, it may rebound as oversold pressures build. Hang Seng jumped 928 points in the past two weeks. What lies ahead? S&P500 Index Just to recap what I have mentioned on 23 Dec 2016 (see HERE), I wrote “S&P500 is consolidating its gains for the past two weeks. It continues to be on a clear uptrend amid … [Read more...]

Knowing more about Straits Times Index (Technical)


News are always generated through stock prices (Demand/Supply) How can the index chart tells us more about our economy? Understanding the chart, allow us to know the level of demand our index has. Through technical analysis where it states market that makes higher high and higher lows is to be known as a Bull (Up) trend. Above, it is our current index trend. How can knowing the chart help … [Read more...]

How you can Pay for your Parents’ Medishield Life Premiums and Top Up your CPF Medisave for Tax Reliefs


When one of my parents went down with some problems last year, some monetary problems happen. The CPF Medisave got depleted, till the point that the account cannot pay the Medishield Life annual premium. This becomes a problem to continue treatment as it may jack up some of the hospitalization costs without the health insurance. That is when I dove in to study more about how we can go … [Read more...]

CWG chart looks strong, despite price consolidation (27 Dec 16)


CWG International Limited (“CWG”), former Chiwayland, closed unchanged at $0.156 on 27 Dec 16. Based on Chart 1 below, notwithstanding the recent price consolidation, all its exponential moving averages (“EMAs”) are still rising strongly, indicative of an uptrend. OBV is at elevated levels despite the price consolidation (i.e bullish). Amid positively place directional indicators, ADX is around … [Read more...]

Singapore Medical Group tripled since Jul 2016! Any more upside? (22 Dec 2016)

Singapore Medical Group (“SMG”) has almost tripled from $0.142 on 26 Jul 2016 to close $0.415 on 22 Dec 2016. Against the backdrop of this meteoric rally, is there any more upside to this stock? First, description of SMG… Based on SMG’s press release, it was incorporated in 2005 and listed on the SGX since 2009. It is a private specialist healthcare provider with a network of 30 specialties. … [Read more...]

Set Small Easily Winnable Goals Each Day [1/6]

Starting from today I am going to write a minimum of 100 words blog post on the next 6 alternate days (I’ve other small goals set on the other days): 25 Dec, 27 Dec, 29 Dec, 31 Dec and 1 Jan. The reason why I’m doing this is because my focus and discipline have been very off lately which would impede what I set up to achieve. It will also be a training ground for me to get better at the craft … [Read more...]

How much stocks should I buy?


When/what is sufficient for me? Recently I’ve been asked by a Friend on how much should he be investing if he has $20,000….. My question back to him is this… What kind of life do you truly want to live in the next 20-30 years ? The fundamental question that everybody tends to neglect or thinks that he/she has the answered to it. In order to know how much stocks you should buy/invest, you … [Read more...]

Challenger – What really matters in a Stock (It’s a buy!)


finally all the wait has paid off…. Establish in 1984 | 47 Stores | 500,000 loyal members | 12 years of paying dividend (searchable) 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 1.997 ( 99.7% above fair value) Price to earning ratio : 8.99 ( Growing below Industry average at 13.45) 2)  LEARN ABOUT THEIR NUMBERS Debt To Equity : 2.8% ( Low reliance on … [Read more...]

DBS – hits 52-week high, all-time overbought since 1991! (1 Dec 16)


DBS hit another 52-week high today. It has surged 19% from an intraday low of $14.97 on 9 Nov 2016 to $17.82 on 1 Dec 2016. This has significantly outperformed the STI by a mile, as STI was only higher by 6.0% over the same period. What has caused the sharp rally in DBS? Some of the possible reasons may be Since Donald Trump’s victory, the market has repriced in faster inflation in the … [Read more...]

Ernest’s market outlook (25 Nov 16)

Dear readers, S&P500 hits record high! Will STI move higher? Read on for more. S&P500 Index Just to recap what I have mentioned on 11 Nov 2016 (see HERE), I wrote “S&P500, after closing below its 100D exponential moving average (“EMA”) for six consecutive days, surged with volume and closed above its 100D EMA (currently 2,137) for five consecutive days. 21D EMA has just … [Read more...]

How to save money on holidays


Go holiday also can save money?!?! Basically my Gf and I have booked our flights to Bali for (4 Nights) and we are trying to find the “most value” for money placed to stay. This post will be a comparison of Hotel/Villa and Airbnb’s Apartment (Mostly owned by people)  Hotel (From Expedia – Since it’s heavily advertised in Singapore) Prices starts from $26 Airbnb Apartment Prices starts from … [Read more...]

First – What really matters in a REIT


Patience is the key to achieving your goals in the shortest time Dividend Yield 6.11% | High percentage of properties in Indonesia and the rest is in Singapore and South Korea | Started in 2006 IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to Book Ratio : 1.246 (24.6% overpriced) Price to Earning Ratio : 15.536 LEARN ABOUT THEIR NUMBERS Gearing : 46.478 ( Below … [Read more...]

November 2016 Singapore Savings Bonds SSB gives you 1.79% interest per year over 10 years


The Nov 2016’s SSB bonds yield an interest rate of 1.79%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks (UOB,OCBC, DBS) $10,000 will grow to $11,816 in 10 years. This bond is backed by the Singapore Government and its available to Singaporeans. You can find out more information about the SSB here. Last month’s bond yields 1.79%/yr for 10 … [Read more...]

DBS Group – What really matters in a Stock


There must be a reason why the stock price is at 2013 level 280 branches across 18 markets | Safest bank in Asia (Is there even such thing as safest now???- hopefully) 1)  IDENTIFICATION OF COMPANIES THAT ARE UNDERVALUED. Price to book ratio : 0.918 (9.2% cheaper) Price to earning ratio :  9.012 (Under performing according to industry norm of 9.605) 2)  LEARN ABOUT THEIR … [Read more...]

Putting Ourselves Out There


I’ve never really fully comprehended about the importance of putting ourselves out there until a myriad of opportunities actually happened to me. I hope this writing serves as a message to youths to put themselves out there and reap the benefits of standing up for something and to be passionate about something at least once in their lives. It has been quite an interesting journey since I … [Read more...]