Author: Singaporean Talks Money

Hongkong Land Holdings Limited (H78.SI) – To buy or not to buy

I have actually been having Hongkong Land Holdings Limited (H78.SI) on my watch list for awhile now however the price has always been above USD6.00 Recently, CompoundingDividendxDividend and Writing of Investing Noob both wrote about Hongkong Land and that they would be initiating or have initiated a position. For Hongkong Land, towards the end of July, the price for H78.SI slowly dropped. This could be due to it having reported a 63% fall in 1H19 earnings ended June to US$411 million ($568 million) from US$1.1 billion in 1H18.  Also, due to the current situation in Hong Kong, the protest...

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Increase your income, not cut your expenses is the way to become rich

I do agree to this statement, ‘Increase your income, not cut your expenses is the way to become rich. This is especially so when I started work and am able to earn my own money to invest. The accumulation of money from my income monthly is really slow. I have to wait for pretty much at least half to a year before I can really go on a buy action. Read more: I thought I will get rich once I start work + Updates on my life  This means that on multiple occasions, I was not able to execute...

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To get a iPhone XR ($850) or to change battery for my existing phone ($69)?

August will be when I complete my original 9 months contract for my job. I receive my contract completion bonus and I am thinking of getting a new phone. Read more: Gotten a new job but it’s a contract job – Are contract jobs inferior to full-time jobs? Of course, when I first knew that I would get a completion bonus, I was thinking of saving it to my war chest and to deploy when time is right but because I recently lost my iPhone 8 and I am using a iPhone 6 Plus from my uncle. Read more:...

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The Great Hack – Your data is also your human rights

Over the weekend, I watched a documentary on Netflix called The Great Hack was about how our personal data on the internet can be so easily accessible by companies who make a profit out of those data. The documentary follows a professor, a few other key characters and depicts mostly on Cambridge Analytica, a company that made use of data from the internet of individuals to influence key events like the US elections 2016 and Leave.Eu Campaign. For the US elections 2016, they showed how tech giants like Facebook was employed by Trump to planned ads that was very...

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July Portfolio updates and some life updates

Portfolio Updates: July has been another month of no buy or sell action for me except for my regular saving plan with POSB invest saver. I do feel lazy to read up more on companies and my current watch list of stocks are all at a rather high price except for First REIT. I am also trying to build up my war chest so that I can deploy a larger sum into the market to allow my commission to be worthwhile. As you can see from my portfolio, my previous buys are all very small lots and it doesn’t...

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The Woke Salaryman – Sorry, your kids are not your retirement plan

A few months back, I started following The Woke Salaryman because of an article released by them, “ Save 100K by 30”. It was featured on Seedly as a contribution from The Woke Salaryman. It was a nice approach because besides the words, there were cute drawings and cartoons that accompanied it and made it so much easier to read. Even though, to save 100K by 30 is a common topic among financial bloggers, I found their article really easy to follow through as then animations really did simplify things. It also made financial matters less intimidating as not...

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Getting $10 worth of products from Guardian and another $3 for first time users (UOB cards) – Shopback GO

So on Thursday, my colleague mentioned during lunch that Shopback GO is having this promotion of 100% cashback. Taken from shopback.com Having used Shopback for my travels like booking of accommodations, I knew that it was pretty legit. So she told me that you just have to link your credit card to your profile and spend on products in Guardian with no minimum spending and you will 100% cashback capped at $10. So if you are able to spend within $10 or $10 then its as good as free! Guardian is also great as everyone needs something from there,...

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Growing Microgreens

Micro-greens are a variety of edible immature greens, harvested with scissors less than a month after germination, when the plants are up to 2 inches tall. My mum recently started growing micro-greens as she signed up for a course using her SkillsFuture and the course provided her with some seeds to grow.  Micro-greens are really easy to grow and is a great first step to starting your own garden. My mum currently has ‘graduated from micro-greens and now has Russian tomatoes, peaflower and sweet potato plants in our corridor. Microgreens – Taken from https://everythinggreen.sg/pages/guide-to-growing-your-microgreens It has actually always been...

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Let’s talk about Bitcoin!

Have any of you watched RyanHiga on Youtube? He has been making videos on Youtube since 2006 and his videos are usually funny. He decided to come out with podcast series which he mentions that he enjoys doing. In a recent episode, he invited Michelle Phan, an American makeup artist, entrepreneur, and voice actress who became notable as a YouTube personality. Michelle has set up many businesses and in the videos, she talks about Bitcoin and why she feel that it is the future reserve like gold is. I like how the information about Bitcoin in the video is...

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Minimalism

During this year, I have actually come across a few YouTube videos talking about minimalism and also the benefits of being a minimalist. As explained by becomingminimalist.com: “Minimalism is the intentional promotion of the things we most value and the removal of everything that distracts us from it.” With the world becoming more accessible and things can be purchased easily, we have the impulse to buy things that follow the trend or look good. Hence we think that having more is best and that buying things equals happiness. But its not the possession of things that brings us happiness but...

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June 2019 portfolio updates + Far East Orchard (O10) bought

For June 2019, with the regular savings plan with POSB invest saver, another 59 units of Nikko AM STI ETF (SGX:G3B) were added to my portfolio at a cost of $3.3395 per unit. Purchase for the month: Also, this month I added Far East Orchard (SGX:O10) into my portfolio. I bought in at a price of $1.18 and 800 units were purchased. I have actually been eyeing Far East Orchard for some time now. Far East Orchard Limited is a property developer and a hospitality owner and operator. Their business is split into 5 main categories, namely, hospitality, property...

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Volunteering after a period of not doing so

I just had a (Corporate Social Responsibility) CSR event organised by the company where we brought kids to a farm to harvest vegetables for an old folks home. I used to volunteer quite often when I was in school and after I started work, I have stopped my volunteering sessions due to time and energy being limited. When I first signed up to attend the CSR event, I wasn’t expecting much except that it would be a half day off work since we would set off at noon. At the event itself, when we were introduced to the kids...

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Friendship should be build on the future and not the past

Recently I talked to colleague and she told me that she feels that friendships should be build on events like the future and current and not so much on the past. Like the things that you share and talk about when you meet up should be more of updating your current status and also what your future plans are. She finds that friendships where the past is always being brought up is not the way it should be. To be honest, I do agree with her to a certain extent. For example, my polytechnic friends, every time we meet,...

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I thought I will get rich once I start work + Updates on my life

In school, I always thought that I will get rich once I started working as it would mean that I have a steady stream of income every month. However, after starting work for about 6 months so far, I find that it is not as easy saving money as I thought. From giving allowances to my parents, transport, food and also insurance payment, the bulk of my salary is being used up every time it gets credited to my account. Right now, my accumulation is slow as my income is not high. I do know that I would need...

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Differences in perception of money

Just writing something short that came to my mind: I was having a meal with my family awhile back and one of my aunt mentioned that the rich would get richer and poor will stay poor because the rich have so much capital to grow. I do agree to a certain extent as my cousin who is pretty rich, is able to use a larger amount of his money to invest as compared to me and people his age. This is because he has a much higher allowance given by his parents and he need not worry about making...

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