So... Let's say you know an old guy.  He's old, he's a billionaire, he's experienced in investing and has a good track record. And he says that XYZ stock is a good investment.  He puts money where his mouth is and makes large investments on this stock. If so, could you "belanjah" me 1/4 cup of my morning coffee pls.  You may also consider subscribing to receive the articles in your email, link in the column on the right.  ..read more

Long time ago, I wrote a post on this topic. I recently returned back to Singapore mid Dec and have been packing up my place at Queenstown.  After 2+ years living overseas without all my stuff, it becomes very apparent, what I need, and what I don't need.  Also, a lot of the stuff I have at my place have grown old, dusty, a bit moldy, cos they have not been used/touched in 2 years.  There are a lot of items which we/I deemed useful, valuable.  But in the end, it's really considered a zero value item.  What I would call a zero value item is... well, it's just sitting th ..read more

I've written about HDB 99 year LEASE a couple of times. Note: LEASE is in caps... cos... LEASE is LEASE. You don't own it. Tell yourself whatever you want.  Anyway, I've accepted that I don't own my HDB.  For the past 2.5 years when I've been out of the country, I've been renting.  I don't know how much the rental was in Paris, cos the company handled it.  But in US, the apartment cost me US$1,830 every month.  I signed a 99 year lease contract with HDB to rent this place at Dawson for S$45x,000. I forgot the exact price I had to pay for the BTO. This works out to be a ..read more

So I started my weight loss journey on 5th March with a starting weight of 82+ kg. On 3rd Apr, my weight was 72.2 kg.  It's not over yet, I'm aiming to be under 70kg, but I'm tapering it down the weight loss will be slower and I'm starting to eat more. This is intentional. Just part of the plan. During this past month, there's been many comments.  Why don't you try doing . And pretty much, most people are just finding topics to talk about.  Unfortunately this tends to annoy me. Cos... well... I'm HUNGRY. And these kinds of talk during this period is just annoying. I mean like ..read more

So I started my weight loss journey on 5th March with a starting weight of 82+ kg. On 3rd Apr, my weight was 72.2 kg.  It's not over yet, I'm aiming to be under 70kg, but I'm tapering it down the weight loss will be slower and I'm starting to eat more. This is intentional. Just part of the plan. During this past month, there's been many comments.  Why don't you try doing . And pretty much, most people are just finding topics to talk about.  Unfortunately this tends to annoy me. Cos... well... I'm HUNGRY. And these kinds of talk during this period is just annoying. I mean like ..read more

This post is not meant to be investment advice.  It's just... well... stuff to think about.  So we've read a lot during our financial research and school and all that... Stuff that's inflation protected... Or to hedge against inflation. Yea... all dropping and essentially most people who bought in the past 6 months or so has lost money. And then... what people say you should stay out of during inflationary times...  So prices of stuff rise... commodities, etc... so there's some loss in spending power when holding cash... BUT... sure beats actually losing money when compared to p ..read more

A lot of times we talk about how smart people are. IQ... stuff like that.  It's not only intelligence that gets us thru life.  It's a mix of both intelligence and wisdom.  It's like... people can get thru Uni. That's intelligence.  Knowing the answers to questions. That's intelligence.  But wisdom, is knowing to ask the right questions.  The intelligent person may fix an issue.  The wise person would ask, why do you need to fix that issue. Where is the real problem? No point fixing an issue to the wrong solution. This is highly related to critical thinking. T ..read more