Author: The Tale of Azrael

Portfolio Transactions Update (November 2018)

Updates for my portfolio for November 2018 Still need a lot of work on my portfolio watchlist, looking to include shares from other developed nations. I kinda maxed my balance transfer monthly payment, let’s see how it affects me psychologically (if any). In addition, I’m back to the drawing board for my side venture, let’s see how it goes. Subscribed to Keppel-KBS REIT Rights at 0.5 Notes Share prices fell due to potential tax issues and rights Managed to get slightly more than my position in terms of rights, although overall I applied for almost 2.5x of my position....

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Portfolio Transactions Update (November 2018)

Updates for my portfolio for November 2018 Still need a lot of work on my portfolio watchlist, looking to include shares from other developed nations. I kinda maxed my balance transfer monthly payment, let’s see how it affects me psychologically (if any). In addition, I’m back to the drawing board for my side venture, let’s see how it goes. Subscribed to Keppel-KBS REIT Rights at 0.5 Notes Share prices fell due to potential tax issues and rights Managed to get slightly more than my position in terms of rights, although overall I applied for almost 2.5x of my position....

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Tried out NLB Reservation for the first time

As I previously went to Property Soul’s (Vina Ip) rental property course as written here, I decided to borrow her book as I have actually tried to physically locate the book for months. For some reason, the book kept getting borrowed around me, Be it I visited it on the day the loan expires or the day after, I couldn’t find it. The place that often had the book was Bukit Merah Library and despite two attempts at visiting it, the book was nowhere to be found. Extremely frustrating. So I decided to bite the bullet and try reserving...

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Tried out NLB Reservation for the first time

As I previously went to Property Soul’s (Vina Ip) rental property course as written here, I decided to borrow her book as I have actually tried to physically locate the book for months. For some reason, the book kept getting borrowed around me, Be it I visited it on the day the loan expires or the day after, I couldn’t find it. The place that often had the book was Bukit Merah Library and despite two attempts at visiting it, the book was nowhere to be found. Extremely frustrating. So I decided to bite the bullet and try reserving...

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A Weekend at Finding and Managing Residential Rental Properties by Property Soul

I have always been rather impressed with Vina Ip and always wanted to attend one of her courses, so I managed to find a slot that matched my schedule and went along. In addition, I am rather curious, in this current property environment, why would rental residential properties be better than REITs? The location was a simple room in [email protected] It started with a ice breaker about what we do for a living, what properties we have bought/planning to buy, then followed by a question about what investor animal we are (she recently made a post about that here)....

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A Weekend at Finding and Managing Residential Rental Properties by Property Soul

I have always been rather impressed with Vina Ip and always wanted to attend one of her courses, so I managed to find a slot that matched my schedule and went along. In addition, I am rather curious, in this current property environment, why would rental residential properties be better than REITs? The location was a simple room in [email protected] It started with a ice breaker about what we do for a living, what properties we have bought/planning to buy, then followed by a question about what investor animal we are (she recently made a post about that here)....

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Portfolio Transactions Update (October 2018)

Updates for my portfolio for October 2018 Still need a lot of work on my portfolio watchlist, looking to include shares from other developed nations. I’m still paying off the balance transfer faster than I would and I have performed another using Maybank. In addition, I’m on a steep learning curve for my side venture, as I’m gonna do everything DIY instead of letting people do it for me (more costly), let’s see how it goes. Buy Silverlake Axis at 0.425 Reasons Average down further, but next day drop to 0.405 sian lol Buy Keppel-KBS REIT at 0.67 Reasons...

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Portfolio Transactions Update (October 2018)

Updates for my portfolio for October 2018 Still need a lot of work on my portfolio watchlist, looking to include shares from other developed nations. I’m still paying off the balance transfer faster than I would and I have performed another using Maybank. In addition, I’m on a steep learning curve for my side venture, as I’m gonna do everything DIY instead of letting people do it for me (more costly), let’s see how it goes. Buy Silverlake Axis at 0.425 Reasons Average down further, but next day drop to 0.405 sian lol Buy Keppel-KBS REIT at 0.67 Reasons...

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Tibits I learnt from Starhill REIT AGM 2018

After my recent post for Silverlake Axis AGM, I managed to go for Starhill Global REIT AGM too! :) Man, the turnout was crazy, they ran out of handsets and bags, and had to add chairs to the venue. Thankfully, there’s a $20 Wisma Atra voucher. Let’s get on to it: Retail Market remains challenging due to a change in Gen Y/Millennials spending habits Digitalising has moved faster than regulations and infrastructure Mitigation strategies: Create thematic malls by picking brands to work with Most brands except luxury brands such as LVMH are too poor or in financial difficulty to...

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Tibits I learnt from Starhill REIT AGM 2018

After my recent post for Silverlake Axis AGM, I managed to go for Starhill Global REIT AGM too! :) Man, the turnout was crazy, they ran out of handsets and bags, and had to add chairs to the venue. Thankfully, there’s a $20 Wisma Atra voucher. Let’s get on to it: Retail Market remains challenging due to a change in Gen Y/Millennials spending habits Digitalising has moved faster than regulations and infrastructure Mitigation strategies: Create thematic malls by picking brands to work with Most brands except luxury brands such as LVMH are too poor or in financial difficulty to...

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Tibits I learnt from Silverlake AGM 2018

Fortunately, despite being rotated out to another role, I’m glad to be able to attend an AGM (with the pain of using leave). I kinda like AGMs like these as the crowd tends to be more savvy which is a more stark contrast to blue chip companies like Singtel. The crowd was rather small too. Some slides: So let on with it: Silverlake Digital Economy (SDE), the fintech platform, has been lagging in performance. It serves as a “co-core”, which I interpret as an add-on module on top of the core banking software Silverlake Axis Integrated Banking Solutions (SIBS)...

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Tibits I learnt from Silverlake AGM 2018

Fortunately, despite being rotated out to another role, I’m glad to be able to attend an AGM (with the pain of using leave). I kinda like AGMs like these as the crowd tends to be more savvy which is a more stark contrast to blue chip companies like Singtel. The crowd was rather small too. Some slides: So let on with it: Silverlake Digital Economy (SDE), the fintech platform, has been lagging in performance. It serves as a “co-core”, which I interpret as an add-on module on top of the core banking software Silverlake Axis Integrated Banking Solutions (SIBS)...

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Applied both SSB and Temasek Bonds for my family (and how to apply)

So issue with my family is that they do have funds kept in bank accounts and/or fixed deposits. Figured I’ll help them optimise a bit more. I finally managed to get some of my family members to open CDP accounts for Singapore Savings Bonds (after months of nagging and prodding), fortunately, seems like Temasek wished to grow the retail bond market like how it did with REITs and is issuing bonds. To me, basically we got a few things to look at when taking liquid cash out from bank accounts as these could be related to some form of...

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Applied both SSB and Temasek Bonds for my family (and how to apply)

So issue with my family is that they do have funds kept in bank accounts and/or fixed deposits. Figured I’ll help them optimise a bit more. I finally managed to get some of my family members to open CDP accounts for Singapore Savings Bonds (after months of nagging and prodding), fortunately, seems like Temasek wished to grow the retail bond market like how it did with REITs and is issuing bonds. To me, basically we got a few things to look at when taking liquid cash out from bank accounts as these could be related to some form of...

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Added MINDEF Group Personal Accident Coverage

So after I cancelled my ILP, I finally diverted it to purchase MINDEF Group Personal Accident, most of it still goes to investments though. I purchased the plan through this link. It is a rather cheap coverage as it is subsidised by MINDEF to NSmen like me. Some conditions are required prior to joining NSFs NSMen Regulars MINDEF or MHA Public Officers Volunteers (MINDEF/MHA/SPF/CDAU) Employees (FT/PT/Contract) of DSTA/MINDEF or MHA Related Organisations Aged 65 or less Here are some reasons why I took this up Need personal accident coverage (no underwriting for max coverage) Potential addition of Group Term...

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