Author: A Path to Forever Financial Freedom (3Fs)

6 Reasons Why DBS Is Prime For Shorting

DBS is scheduled to be the last bank among the 3 giants to announce its Q3FY19 results on the 11th November 2019. The other two banks will report on 1st Nov (UOB) and 5th Nov (OCBC) respectively. As some of you might know, I have a short-sell position for DBS in my earlier October Portfolio Update and have since more than tripled my position further in DBS in the past recent days. Here are 6 reasons why I think DBS is prime for shorting, especially in the build up for the next few weeks / months. 1.) SIBOR Rates has...

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8 Key Takeaways From SPH FY2019 Results

SPH announced its’ Full Year 2019 earnings this evening after market-hours. Here are some of the key takeaways from the results: 1.) Print & Media Business Disappoints Again Revenue for the traditional media business declined by $78.9m from $655.8m in FY2018 to $576.9m in FY2019, which translates into 12% down year on year.Revenue contribution from print advertisement and circulation are down to $68m this year, which is approximately 12% down year on year.The only saving grace is the digital advertisement revenue segment which shows growth year on year of $1.5m (6%), though not significant enough.At $576.9m revenue for the...

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6 Reasons Why I Think DBS’ Report On Singtel Is Overly Bearish

I am writing this in a response to an article from DBS which caught everyone’s attention regarding the likelihood that Singtel may cut its dividend for the first time in 20 years from FY2021 onwards. If you have not read the article, you can read it here. In the article, the analyst drew from the thesis that Singtel might have to cut its “unsustainable” dividend payout to 13 ~ 15 cents/share mainly due to the increasing capex requirement from the 5G spectrum roll-out, the declining mobile users and deteriorating regional associates performances, which is mainly attributed to Bharti and...

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My Experience Using Redbrick Mortgage Advisory Service

As part of my property investing series research which I’ve been writing since last month, I am trying to reach out to as many groups of people involved in the end to end chain process of a property purchase. This includes the likes of subject matter experts, agents, mortgage advisors and property portals such as 99.co and property guru. Last week, I ed one of the leading mortgage advisory brokers in Singapore, Redbrick Mortgage Advisory, as an anonymous to understand better the services and professional service level they provide. But before that, let’s first understand the role of a...

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Why I’m Joining The SG Active Trading Tournament 2019

It was around this time last year when the SGX Bull Charge Stock Challenge competition was held and I participated in the competition which lasts about 2.5 months. It was heavily contested with more than 136 participants competing for the main prize. I managed to lead the competition for most of the period until the very last day when another contestant Thebearprowl leaped over the first position and took the champion. I wasn’t upset (though felt a bit disappointed to give up the lead) about losing to another great competitor and was glad that I have a lot of...

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Maximizing Your Profit With AI Gain

In a world where digital finance plays an important part for the blockchain industry revolution, most look for faster and safer digital platform to manage and make full use of their digital assets. AI Gain, which stands for “Artificial Intelligence” and “Gain” is a digital finance platform which is gaining plenty of attraction for its digital smart wallet. It allows investors to profit through arbitrage (earning the bid-ask spread by comparing exchange rates of various exchanges) with a minor handling fee of 2%. AI Gain currently supports AIG Coin and other major cryptocurrencies, namely Bitcoin, Etherium, Litecoin and Tether....

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Buying Cheap Is An Excellent Catalyst In Itself (Because I’m Cheapo)

My wife tends to call me a cheapo, not in any mean way that it hurts my feeling but still well you know those sort of things that can get you riled up if it is of unintended clarity. You tend to notice that my investing style has evolved over the years. From what started as a pure dividend investor when I first began my investing journey, I began to explore different styles of investing which I believe can reap me better returns in the long run. I think that’s the whole idea of active investing in the first...

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A New Segment On CNA93.8 “Open Show” Property Discussion

This is just a quick sharing updates. I was invited by a radio talk show CNA 93.8 to be on air this morning live at 10.30am to present my thoughts on the property market and Parc Clematis mega-project development in particular. Parc Clematis is a development project by developer SingHaiYi Group located across Jalan Lempeng, which houses over 1,475 units. It was a refreshing experience as this was my first air-live talk and I managed to experience what it is like to be on a radio show with a few experts in the house. This was for a morning...

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Reloading Warchest & Unlocking Value Through Cash Out Financing

It’s been more than a month and half now since we last rented out our home in order to generate a healthier cashflow due to the unexpected situation that happened back in the family. Things are looking much better these days, with my Dad stabilizing and improving every single day through the rehab and he is also able to eat like a normal person now (he wasn’t able to swallow when it first started). Our family also managed to turnover some of the business around and cashflow is looking very much healthier than before, though there’s still way to go...

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What Should You Look Out For When Buying Your First Investment Property?

When we buy a property for investment purpose, our immediate goal is to ensure that the property is cash generative and can at the very least cover the basic expenses that we incurred such as mortgage interest, maintenance fees and other one-off costs such as agent fees, renovation costs and so on. Anything that are generated above that will go towards repaying for the principal payment, which technically means you are increasing the equity value of your property over time.  Your equity value can increase in two ways, which is a function of two variables. The first is through...

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Is Your Home Ownership An Asset, Liability Or Investment?

Buying a home probably ranks as one of the most important milestone in our lives. After all, it is a huge investment that we have to pay upfront and will have to service for the most part of our working lives. Hence, it is common for people to think of their home as an investment and humans typically well…do not like to lose out on their investments. No one does. When the value of their homes drop, their hearts sank together with the times. This is probably the reason why we see so many older Singaporeans complaining on the...

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Why You Should Apply For Approved In Principle (AIP) Before Buying Your Ideal Private Property?

Buying your first property can be confusing and time consuming because of the regulation changes that you need to keep up to and remain relevant to these changes. But whatever the changes are, they are ultimately down to how much the banks are willing to loan based on the regulations of the Tdsr and your own personal commitments. This is why it is important that you should get an Approved In-Principle (AIP) before committing to purchase a property, no matter how attractive or undervalued the property is. What Is Approved In-Principle (AIP)? An Approved In-Principle is basically an official...

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