tag:blogger.com,1999:blog-78069385614345439492024-03-06T15:44:31.385+08:00K.I.S.S. Investingfqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.comBlogger151125tag:blogger.com,1999:blog-7806938561434543949.post-52723246291455703752015-07-08T08:00:00.000+08:002015-07-08T08:00:07.044+08:004 Things You Need To Know Before Entering The Stock Market<div style="background-color: white; border: 0px; color: #606569; font-family: 'Open Sans', Arial, sans-serif; font-size: 14px; line-height: 20.7983989715576px; margin-bottom: 1.857em; padding: 0px; vertical-align: baseline;">
For those who have set aside a considerable sum of savings, what usually comes next is how to jump onboard the investing bandwagon and to further amplify their fortune.</div>
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Similar to drivers who had just passed their driving test, new investors are usually lost as to what is in store for them on the bumpy roads ahead.</div>
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We highlight 4 things you need to know before entering the stock market.</div>
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<strong style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; font-family: inherit; line-height: 1.857; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="color: blue;">1. Don’t let emotions dictate your investments</span></strong></div>
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History has proven time and again that new investors often make the common mistake of buying when the stock market is high and selling when the market is low, the exact opposite of what they actually want to do. You may think it won’t happen to you, but from our experiences, that is usually the case for a new investor.</div>
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A possible reason could be due to the following sequence of events below, which by the way, happens really often.</div>
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<li style="border: 0px; font-family: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Investors hop onto the investing arena after the cajoling of their close friends or relatives. They listen to stories about how their peers are making a quick killing in the stock market.</li>
<li style="border: 0px; font-family: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">If they <em style="border: 0px; font-family: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">are lucky</em>, they start off by losing a little money and decide they need to relook their investment strategies. If they <em style="border: 0px; font-family: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">are unlucky</em>, they start off by winning small bets, and are quickly convinced that they have a knack for trading, and can somehow outperform professional fund managers who have many more years of experience.</li>
<li style="border: 0px; font-family: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">When a meltdown in the market<em style="border: 0px; font-family: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"> eventually</em> happens, these investors are usually the last ones to exit, holding on to huge paper losses.</li>
<li style="border: 0px; font-family: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">When these retail investors finally see their portfolio wiped out badly, they throw in the towel, usually at the point when the stock is finally bottoming out.</li>
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One good example would be the <a href="http://www.businessinsider.sg/chinas-shanghai-composite-is-in-a-bear-market-2015-6/#.VZlFdfmqqko" style="-webkit-transition: all 0.4s ease-in-out; border: 0px; color: #e54e53; font-family: inherit; margin: 0px; padding: 0px; text-decoration: none; transition: all 0.4s ease-in-out; vertical-align: baseline;">recent</a> plunge in the China’s stock markets: after rising 154% in 4 months, it proceeds to tank 26% in just 1 month, with no end in sight, yet.</div>
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<strong style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; font-family: inherit; line-height: 1.857; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="color: blue;">2. An investment in knowledge pays the best return</span></strong></div>
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This quote from Benjamin Franklin sums it up best: “An investment in knowledge pays the best return”. Investing in the stock market at the start may seem like a confusing and intimidating process, as you are going head-on with the big financial institutions and savvy veterans.</div>
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In today’s context however, interested investors can tap on the numerous online articles and seminars readily available at little or no cost to learn. All it takes is a little effort to understand some basic stock investing principles, which could potentially save you from making basic mistakes that could easily cost you thousands of dollars.</div>
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<strong style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; font-family: inherit; line-height: 1.857; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="color: blue;">3. Justify your reasons for investing in the particular company</span></strong></div>
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Before you purchase the stocks of a company, you need to ask yourself why you are interested in investing in that particular opportunity. It is dangerous to simply buy the stock due to hearsay or analyst reports about it being a hidden gem that will soar 100% by the next year.</div>
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Instead, make sure to scrutinise the underlying fundamentals of the company (e.g. net profit margins, good management, etc.) and focus on the very reason behind this investment you have selected.</div>
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This is a concept not to be undermined. One year down the road, the market may go through a rocky patch, or the company may experience some temporary bad news. But as long as you can recall the initial reasons behind your investment, you can remove your feelings from the equation and analyse for yourself rationally what the next steps should be.</div>
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<strong style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; font-family: inherit; line-height: 1.857; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="color: blue;">4. Investing takes time</span></strong></div>
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Active trading and long term investing are a fine line away from each other. If you aren’t willing to buy stocks in a company and hold them for the next ten years, you really have no business owning these stocks in the first place. The simple but painful truth of this is evident on Wall Street every day. Professional fund managers who jump in and out of markets hoping to beat the Dow Jones Industrial Average fail to do the very thing they set out to achieve.</div>
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More importantly, it is imperative to know that good stocks do not have to appreciate just because you bought them. In fact, a good company can sometimes go under the radar despite consistently good earning results. Thus, patience is required in order for our investments to pan out over time.</div>
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<strong style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; font-family: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="color: blue;">Conclusion</span></strong></div>
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We hope that the 4 factors mentioned above can help serve as helpful guidelines in your search for many good future investments opportunities in the stock market.<br />
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<i style="color: black; font-family: 'Times New Roman'; font-size: medium; line-height: normal;"><span style="color: #3c3c3c; font-family: "Arial","sans-serif"; font-size: 12pt; line-height: 17.1200008392334px;">Article was first published on </span></i><a href="http://www.investwithjamesyeo.com/" style="font-family: 'Times New Roman'; font-size: medium; line-height: normal;"><i>Dollarsandsense.sg,</i></a><i style="color: black; font-family: 'Times New Roman'; font-size: medium; line-height: normal;"><span style="color: #3c3c3c; font-family: "Arial","sans-serif"; font-size: 12pt; line-height: 17.1200008392334px;"> a website aiming to keep personal finance simple.</span></i></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com25tag:blogger.com,1999:blog-7806938561434543949.post-31522071431870618412015-06-26T07:00:00.000+08:002015-06-26T07:00:00.450+08:00Step by step walkthrough on Maybank Kim Eng's Monthly Investment Plan <div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Step-by-step guide to invest in Monthly Investment Plans<o:p></o:p></span></b></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">In our previous
article on monthly investment plans, we compared the various services offered
by banks and brokerage houses and how these plans could help retail investors
enter into the stock market via dollar-cost averaging without paying high
commission charges. <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">For today, we will
take an example of one such monthly investment plan offered by Maybank Kim Eng
and provide a step-by-step walkthrough of the platform to explain how you could
use it. <o:p></o:p></span></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Step-by-step guide to invest in Monthly Investment Plans<o:p></o:p></span></b></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">1. Open a Maybank </span><a href="http://www.maybank-ke.com.sg/products-services/products-services-listing/monthly-investment-plan/?utm_source=Dollar%26Sense&utm_medium=BlogPost2&utm_content=25Jun15&utm_campaign=MIP"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Kim Eng KE Trade
Prefunded Account.</span></a><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">2. Log in to yourKE
Trade Account.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">3. Click on "e-Services"
tab as shown below.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">4. Select your
prefunded account (completed previously in step 1), key in the amount to invest
and key in the name of the counter you wish to purchase.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">5. Alternatively,
you may also click on the “List of Eligible Securities” (the 3rd tab on the
top) to view or search for all counters available offered under their monthly investment
plan.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">6. You may search by
markets, or search by counter code or counter name. You may also choose to
display all eligible securities by clicking “ALL” markets and hit the “Search”
button.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-no-proof: yes;"><!--[if gte vml 1]><v:shape
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</v:shape><![endif]--><!--[if !vml]--><!--[endif]--></span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Maybank Kim Eng’s
Monthly Investment Plandoes offerdistinctive features that we like. <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioLlzlIR-X2sCGhdl9wWlUZANH-qun0kJ9OB-HWQsw0fpnsUBTC9Y2LuRh27Pf7oARAxEgLM4K-C5DygRYjtWfXsmupu2PFHQVMHY9C85YcyHw-Os1U0NZYJ0JkNwQafnPGIYt-pu9/s1600/Picture3.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="350" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioLlzlIR-X2sCGhdl9wWlUZANH-qun0kJ9OB-HWQsw0fpnsUBTC9Y2LuRh27Pf7oARAxEgLM4K-C5DygRYjtWfXsmupu2PFHQVMHY9C85YcyHw-Os1U0NZYJ0JkNwQafnPGIYt-pu9/s640/Picture3.png" width="640" /></a></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></i></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Lots of companies to
choose from <o:p></o:p></span></i></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">The platform allows
users to select from 225 counters over 5 different markets (Singapore, US, Hong
Kong, Malaysia, Thailand). From what we know, they offer by far the largest
amount of stocks that you can select from. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></i></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Low commission
charges<o:p></o:p></span></i></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Even if you were to
invest as little as $100 a month, the sales charges still stick at 1%. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Our Take On Monthly Investment Plan <o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Whether you choose
to use </span><a href="http://www.maybank-ke.com.sg/products-services/products-services-listing/monthly-investment-plan/?utm_source=Dollar%26Sense&utm_medium=BlogPost2&utm_content=25Jun15&utm_campaign=MIP"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">Maybank Kim Eng’sMonthly
Investment Plan</span></a><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"> or those offered by other financial institutions such as OCBC,
POSB or POEMS, the same value proposition holds true and that is the fact that
these plans allow retails investors to gain access to dollar-cost averaging
when buying stocks. </span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;">As long as the commission charges remain low and the
selections of stock counters are adequate, this will be aneasy and affordable
way to get started in stock investments. <span class="msoIns"><ins cite="mailto:Timothy%20Ho" datetime="2015-06-24T17:36"><o:p></o:p></ins></span></span></div>
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<br /></div>
<br />
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<i><span style="color: #3c3c3c; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%;">Article was first published on </span></i><a href="http://www.investwithjamesyeo.com/"><i><span style="color: #4188af; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; text-decoration: none; text-underline: none;">K.I.S.S Investing,</span></i></a><i><span style="color: #3c3c3c; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%;"> a website aiming to keep stock investing simple.</span></i><a href="https://www.blogger.com/null" name="_GoBack"></a><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi;"><o:p></o:p></span></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com9tag:blogger.com,1999:blog-7806938561434543949.post-18948972399298366542015-06-20T14:19:00.001+08:002015-06-20T14:19:04.361+08:004 unassuming Jokes on Accountants<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Accountants are often branded as boring people doing routine work day in day out. Now for a change during this relaxing weekend, we take a look at 4 jokes on accountants (no pun intended as I am one myself!).</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<b style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><u><span style="color: blue;">Story #1</span></u></b></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">A lady goes to see her doctor. After examining her, he says, "I'm terribly sorry to tell you this, but you only have six months to live." The lady is very distraught, "Oh doctor, what should I do?" she asks. The doctor says, "I advise you to marry a CPA."</span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">"Will that make me live longer?" she asks, hopefully. "No," says the doctor. "But it will SEEM longer."</span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<br /></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b><u><span style="color: blue;">Story #2</span></u></b></span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">A businessman was interviewing job applications for the position of manager of a large division. He quickly devised a test for choosing the most suitable candidate. He simply asked each applicant this question, "What is two plus two?"</span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
</div>
<ul>
<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">The first was a social worker. She said, "I don't know the answer but I'm very glad that we had the opportunity to discuss it."</span></li>
<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Next came an attorney. He stated that "in the case of Jenkins vs. the Department of the Treasury, two plus two was proven to be four."</span></li>
<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Finally, the businessman interviewed an accountant. When he asked him what two plus two was, the accountant got up from his chair, went over to the door, closed it, came back and sat down. Leaning across the desk, he said in a low voice, "How much do you want it to be?" He got the job.</span></li>
</ul>
<div>
<b style="background-color: white; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><u><span style="color: blue;">Story #3</span></u></b><br /><div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">An accountant dies and goes to heaven. St. Peter, of course, is there, looking through the files and asking a few quick questions. "What sort of accountant were you?" "Oh, I was a CPA", was the reply. "Name?" asks St. Pete. The accountant gives his name and St. Peter finds his file. "Oh yes, we've been expecting you. </span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">You've reached your allotted time span." The accountant says, "But I'm only 48 years old." St. Peter looks again at the file and says, "Well, that's impossible." "Why do you say that?" asks the accountant.</span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">"Well," says St. Peter, "we've been looking over your time sheets and, based on the hours you've charged your clients, you must be at least 117 years old!"</span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<br /></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="color: blue; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b><u>Story #4</u></b></span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Two accountants are in bank together when armed robbers burst in.</span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">“Everyone empty your pockets! Give us your wallets!” They shout out as they begin collecting wallets, purses, and watches.</span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The first accountant turns and jams something into the hand of the second accountant.</span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The second accountant asks “What is this?”</span></div>
<div style="background: rgb(255, 255, 255); border-radius: 0px !important; border: 0px; margin-bottom: 0.5em; margin-top: 0.5em; outline: 0px; padding: 0px; vertical-align: top !important;">
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">“It’s the $50 I owe you,” responds the first accountant.</span></div>
<br /></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com5tag:blogger.com,1999:blog-7806938561434543949.post-61984467779613318822015-06-19T07:00:00.000+08:002015-06-19T07:00:04.308+08:00Invest In Stocks Using A Monthly Investment Plan<div class="MsoNormal" style="text-align: justify;">
<i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Utilize the dollar-cost averaging method
while reducing your commission fee. What is there not to like?</span></i></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Just
a year ago, investing in blue chip stocks listed on the Singapore Exchange
(SGX) seems like a rich man's game not meant for everyone. That was because
board lot sizes were only available for purchase in multiples of 1,000. In
those days, it was difficult for retail investors to invest in all companies,
since some stocks such as OCBC would cost roughly S$10,000 per lot. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Since
then, minimum lot size have been reduced significantly to 100 units allowingyour
favourite blue chip counter to be within reach. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></i></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Read
also: </span></i></b><a href="http://dollarsandsense.sg/reasons-to-begin-learning-how-to-invest-in-stocks-in-2015/"><b><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Reasons
to begin investing in 2015</span></i></b></a><b><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></i></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">While
the above mentioned is helpful for investors who would like to get started
without a sizable capital, it poses yet another problem, and that is, the high
commission cost that one incurs when buying stocks in small units. Frequently,
retail investors still have to pay a minimum fee of about $25 per transaction
regardless of the value of the stocks that they are purchasing. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Some
stock brokerage houses have introduced monthly investment plansas a way to help
offset the problem of incurring significant commission cost. As the name
suggests, these investment plans allow you to invest a fixed amount of funds each
month into buying the stocks of your choice. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">They
provide an affordable and hassle-free way for those who want a relatively easy
way to invest. In addition, investors are also able to effectively take
advantage of "dollar-cost averaging" thus benefitting thosewho do not
have the time or the patience to be monitoring the stock market regularly and
react accordingly to fluctuations.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Where to go for Monthly Investment Plans
<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">There
are currently 4 major players offering monthly investment plans namely: POSB
Invest-Saver, OCBC Blue Chip Investment Plan, POEMS Share Builders Plan
andMaybank Kim Eng Monthly Investment Plan. Since all of them allow investors
to kickstart investing with as little as $100 a month, we will do a minor
comparison of the other features with the chart below to understand the
differences and similarities.</span><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;"> </span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
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</td>
<td style="background: #C4D79B; border-left: none; border: solid windowtext 1.0pt; height: 12.6pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 103.35pt;" width="138">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<b><span style="font-size: 10pt;">POSB<o:p></o:p></span></b></div>
</td>
<td style="background: #C4D79B; border-left: none; border: solid windowtext 1.0pt; height: 12.6pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 106.3pt;" width="142">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<b><span style="font-size: 10pt;">OCBC<o:p></o:p></span></b></div>
</td>
<td style="background: #C4D79B; border-left: none; border: solid windowtext 1.0pt; height: 12.6pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.25pt;" width="132">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<b><span style="font-size: 10pt;">Poems<o:p></o:p></span></b></div>
</td>
<td style="background: #C4D79B; border-left: none; border: solid windowtext 1.0pt; height: 12.6pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 105.85pt;" width="141">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<b><span style="font-size: 10pt;">Maybank Kim Eng<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 41.5pt; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 41.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 52.6pt;" width="70">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<b><span style="font-size: 10pt;">Share counters available<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 41.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 103.35pt;" width="138">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">ABF Singapore Bond Index Fund &
Nikko AM Singapore STI ETF<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 41.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 106.3pt;" width="142">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">18 local share counters & Nikko
AM STI ETF<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 41.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.25pt;" width="132">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">19 local share counters<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 41.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 105.85pt;" width="141">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">225 share counters across 5 markets
(Singapore, USA, Hong Kong, Malaysia and Thailand)<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 37.6pt; mso-yfti-irow: 2;">
<td rowspan="2" style="border-top: none; border: solid windowtext 1.0pt; height: 37.6pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 52.6pt;" width="70">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<b><span style="font-size: 10pt;">Fees<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 37.6pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 103.35pt;" width="138">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">0.5% sales charge per transaction for
the ABF Singapore Bond Index Fund<o:p></o:p></span></div>
</td>
<td rowspan="2" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 37.6pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 106.3pt;" width="142">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">0.30% of the total investment
amount OR S$5 per counter, whichever is higher<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 37.6pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.25pt;" width="132">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">≤ 2 share counters: $6 for inv. of
$1,000 and below, the higher of 0.2% or $10 for inv. above $1,000<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 37.6pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 105.85pt;" width="141">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">1% sales charge for inv. < S$1,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 55.3pt; mso-yfti-irow: 3;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 55.3pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 103.35pt;" width="138">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">1% sales charge per transaction for
the Nikko AM Singapore STI ETF<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 55.3pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.25pt;" width="132">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;"> ≥ 3 share counters: $10 for inv. of $1,000
and below, the higher of 0.2% or $10 for inv. above $1,000<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 55.3pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 105.85pt;" width="141">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">0.18% sales charge for inv. ≥
S$1,000; subject to min. of S$10<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 64.65pt; mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 64.65pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 52.6pt;" width="70">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<b><span style="font-size: 10pt;">Dividends<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 64.65pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 103.35pt;" width="138">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">Cash credited to DBS/POSB debiting
account<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 64.65pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 106.3pt;" width="142">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">Cash dividends credited to OCBC
account; Stock dividends or bonuses safe-kept with OCBC Securities<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 64.65pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 99.25pt;" width="132">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">Dividends are being reinvested but
charged 1% on net dividend capped at $50<a href="https://www.blogger.com/null" name="_GoBack"></a><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 64.65pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 105.85pt;" width="141">
<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 10pt;">Dividends are credited into the
Maybank Kim Eng account directly.<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">At first
glance, POSB and Maybank Kim Eng stood out from the rest in the "Share
counters available" category. The former is able to put forward the
opportunity to diversify into bonds while the latter has more than 10 times of
the counters as compared to OCBC and POEMS. In fact, being a newcomer to this market,
Maybank Kim Eng is now offering </span><a href="http://www.maybank-ke.com.sg/media/490548/tnc-zero-commission-promo-for-monthly-investment-plan.pdf"><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">zero commission</span></i></a><i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"> for the period from 1 March 2015 to 31
August 2015</span></i><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">!<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">As
for the fees, assuming we invest S$1,000 monthly in just the Singapore STI ETF,
OCBC turns up as the winner for its fees of S$5, equivalent to only 0.5%
charge. Then again, considering a quantum of S$200 monthly, POSB and Maybank
Kim Eng turn out to be better options due to their standard 1% sales charge;
which would translate into S$2 as compared to S$5 and S$6 for OCBC and Poems
respectively.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Last
but not least, the dividends are usually credited to each bank's own account
except for POEMS, which would reinvest it back back with a 1% charge on the net
dividends (after tax if any). <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Conclusion<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Monthly
investment plans are a relatively new approach to investing which is suitable
for people who would like to adopt a long-term view in investing due to the
beauty behind dollar-cost averaging. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Do
you think a monthly investment plan will help you better invest in stocks? </span><a href="https://www.facebook.com/DollarsAndSenseSG"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Discuss it with us on Facebook</span></a><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<a href="http://dollarsandsense.sg/"><i><span style="color: #4188af; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; text-decoration: none; text-underline: none;">DollarsAndSense.sg</span></i></a><i><span style="color: #3c3c3c; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"> is a website that aims to provide interesting, bite-sized
financial articles which is relevant to the average Singaporean.<o:p></o:p></span></i></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<i><span style="color: #3c3c3c; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></i></div>
<span style="color: #3c3c3c; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-style: italic; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">Written By: James Yeo</span>fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com4tag:blogger.com,1999:blog-7806938561434543949.post-41172990789324101432015-06-08T07:00:00.000+08:002015-06-08T07:00:03.170+08:005 things to look out for when opening a stock account<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;">For most people
who are interested in investing, deciding to open a stock brokerage account is typically
the first step to take in the investment journey. However, with the numerous
stock brokerage firms available out there, selecting one over another could
prove a daunting task.</span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Here is a simple
guide on what to take note of when opening a stock brokerage account and the
questions you should be asking. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;"><span style="color: red;"><b><u>Opening a CDP account</u></b></span><b><o:p></o:p></b></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Before you can
start trading, you have to first open a Direct Securities Account with </span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-size: 11.0pt;">The
Central Depository</span><span style="font-family: "Arial","sans-serif";"> </span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">(CDP).<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The CDP account
is owned by the Singapore Exchange and basically acts like a central storage
place where all the local shares that you have bought are ‘kept’. To open a CDP
account, you must be at least 18 years old and not be an un-discharged
bankrupt. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">There
are <b>2 ways</b> to open an account. </span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">(i) One, when you open your first brokerage account,
the brokerage firm will assist you in opening a CDP account and automatically linking
it to the trading account. </span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">(ii) Another way is to open an account directly with CDP
itself via their online </span><span style="font-family: Arial, sans-serif;"><a href="https://www1.cdp.sgx.com/sgx-cdp-web/login"><span style="font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">platform</span></a></span><span style="color: #333333; font-family: Arial, sans-serif; font-size: 12pt;">. Any subsequent accounts that you start with
other brokerage firms will be linked to the same CDP account.</span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 8.05pt; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;"><span style="color: red;"><b><u>5 Key things to look out for when choosing a
stock brokerage account</u></b></span><span style="color: #333333; font-weight: bold;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">This
brings us to the next question: which stock brokerage firm should you consider?
A brokerage account is an account through which you will do the buying and
selling of shares. It is usually tagged with a brokerage firm (e.g. UOB Kay
Hian, Maybank Kim Eng), which will transact trades on behalf of the
instructions of its clients.<o:p></o:p></span></div>
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<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Here
are some important considerations to take not of when opening a brokerage
account.<o:p></o:p></span></div>
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<b><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></b></div>
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<b><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1.
Fund Transfers:<o:p></o:p></span></b></div>
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<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">If there is a need to
transfer funds to the brokerage company where you purchase shares, some readers
might find it more convenient to open a brokerage account with a bank that they
already have a saving account with. For example, if you have aDBS account, it
may be more convenient for you to open a brokerage account with DBS Vickers. <o:p></o:p></span></div>
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<b><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></b>
<b><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2.
Level of Support:<o:p></o:p></span></b></div>
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<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The level of support
received is important. We think it is essential to have someone whom we can
call to when we have queries, whether technical or otherwise. Most of the
brokerage firmshould provide this service, though the level of service received
depends very much on the trading representative that is assigned to you.</span></div>
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<b><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></b>
<b><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">3.
Starters Pack:</span></b></div>
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<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">If
you are new to trading, you will need to start from somewhere. Some of the
brokerage firms have introduced starter packs for investors who are new. For
example, OCBC Securities have the </span><span style="font-family: "Arial","sans-serif";"><a href="http://portal.iocbc.com/Accounts/young-investor-pack-account.html"><span style="color: #509abd; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; text-decoration: none; text-underline: none;">OCBC Young Investor Pack</span></a></span><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">, which offers commission rebate for the first
trade and other support services. The </span><span style="font-family: "Arial","sans-serif";"><a href="https://www.itradecimb.com.sg/app/help.client.services.z?cat=01&subcat=01_04&subsubcat=40288c9f34dadb510134e43c93aa003d"><span style="color: #509abd; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; text-decoration: none; text-underline: none;">CIMB Securities Youth Engagement</span></a></span><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> is another such service worth
considering.<o:p></o:p></span></div>
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<b><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">4.
Risk of Default:<o:p></o:p></span></b></div>
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<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Your brokerage firm
defaulting is definitely an issue you DO NOT WANT to be concerned about. We can
safely say that the risks of brokerage houses defaulting are very slim due to
stringent regulations that MAS imposes. Nonetheless,a low probability does not
equate to zero chance of the incident happening, as seen from the failure of MF
Global. <o:p></o:p></span></div>
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<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">One suggestion is to
choose local brokerages that are generally safer as their regulatory standards
are typically more stringent.<o:p></o:p></span></div>
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<b><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></b>
<b><span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">5.
Commission Fee:<o:p></o:p></span></b></div>
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<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">When
an investor purchase shares, they have to pay a commission fee for the
brokerage company to transact on their behalf. Bear in mind that this is a
two-way charge. A commission charge is payable during both the purchase and
sale of shares. </span></div>
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<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; mso-line-height-alt: 10.75pt; vertical-align: baseline;">
<span style="color: #4d4d4d; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Because the industry is so competitive, most of the rates
offered by brokerage companies are quite similar and you shouldcheck out the
rates offered from the different brokerage house. <o:p></o:p></span></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">6.
Other Services:<o:p></o:p></span></b></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">In recent years, it has become more common for brokerage
firms to offer affordable investment plans that enable customers to choose and invest
in stocks via a regular monthly investment plan that could be as little as $100
monthly. Most of these investment plans are only accessible to those who
already have a brokerage account with the firm. </span><br />
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Hence, if your intention is to tap
on some of these features, it will be good to consider a brokerage firm that
offers this service. Example includes the newly introduced <a href="http://www.maybank-ke.com.sg/latest-offerings/listing/sgd0-commission-with-monthly-investment-plan/">Maybank
Kim Eng Monthly Investment Plan</a>, which allows users to select from up to
225 stocks across 5 different markets. <o:p></o:p></span></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com5tag:blogger.com,1999:blog-7806938561434543949.post-36029580079409905012015-06-04T07:00:00.000+08:002015-06-04T07:00:00.828+08:00Singapore O&G Balloting Results (Public Tranche 332 times OVER-Subscribed!)<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">As I have mentioned in my previous <a href="http://www.investwithjamesyeo.com/2015/05/is-singapore-o-sog-going-to-be-another.html" target="_blank">po<span id="goog_1731795869"></span><span id="goog_1731795870"></span>st</a>, I said that <span style="color: red;"><b>SOG (Singapore O&G)</b></span> is pretty much going to be a great hit. and how true it is; just take a look at the balloting results below:</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicjMYoF7z8gBfT555D-iyzDtCBJE079TnLSfuksXCtaVYXM0XUCbtKO8WA22vUKVV8kCelOhtjLWnqtUxuuEPdDN5Pm9vqtvweM9zyf3LTXU0gas3bJLIU89KA3jssIJsp7bCnbN_W/s1600/Singapore+O%2526G+balloting+results.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><img border="0" height="312" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicjMYoF7z8gBfT555D-iyzDtCBJE079TnLSfuksXCtaVYXM0XUCbtKO8WA22vUKVV8kCelOhtjLWnqtUxuuEPdDN5Pm9vqtvweM9zyf3LTXU0gas3bJLIU89KA3jssIJsp7bCnbN_W/s640/Singapore+O%2526G+balloting+results.jpg" width="640" /></span></a></div>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">A total of 730 million shares are applied for only 2.2 million shares, a <b><span style="color: red;">whooping 332 times subscription rate!</span></b></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">On a side note, it seems the higher chances of getting a successful allocation goes to those who ballot for 1 lot. For those who do not know how to read the ratio; take for example for the 10 to 49 lots band, the chances of successful allocation is 7.07% (7/99).</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Good luck to those who are successful in the application, the stock will definitely get a pop in the morning 9am.. As for me, I will be waiting by the side to await a chance to get in again through the open market then...</span>fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com46tag:blogger.com,1999:blog-7806938561434543949.post-79181116687210634042015-05-28T08:00:00.000+08:002015-05-28T08:00:06.400+08:00Is Singapore O&G (SOG) going to be another Healthcare IPO darling? <span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The new kid on the block to join the Booming healthcare fraternity is Singapore-based healthcare firm, <a href="http://www.sog.com.sg/">Singapore O&G Ltd</a> ("SOG" in short). You can find the IPO Prospectus <a href="http://sgx.com/wps/wcm/connect/sgx_en/home/catalodge/26-5-2015++Singapore+OG+Ltd.">here</a>.<br /><br /><b><u>Intro</u></b><br />According to its propectus & factsheet, SOG is a niche player in the healthcare industry as it focuses on the women's healthcare, with middle-level professionals as its main target audience. Thus, their primary focus is skewed towards the following: pregnancy care and delivery, the female reproductive system, and gynaecological and breast cancer.<br /><br />SOG's total of 8 clinics are situated in five different locations as highlight below: </span><br />
<ul><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
<li>2 clinics in Parkway East Medical Centre, </li>
<li>3 clinics in Gleneagles Medical Centre, </li>
<li>1 clinic in Thomson Medical Centre, </li>
<li>1 clinic in Mount Elizabeth Novena Specialist Centre </li>
<li>1 clinic at Cassia Crescent.</li>
</span></ul>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">In case some people are not sure, Gynaes often work by themselves but are stationed across different clinics for the usage of the equipment and stuff. I searched for one doctor (Dr Beh Suan Tiong) based in Thomson Medical and found out he got his own website -> <a href="http://drbeh.com.sg/">http://drbeh.com.sg/</a>.</span></div>
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">The way i see it, this company is formed by several gynaes with the aim of doing an IPO and expanding beyond their individual medical practice (something like what Q&M Dental has done years back).</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuyVdXupyaOSvAUWJWM-kYSMM-1SDQgSp9TFLbuGltz5L7U6fPsDJILITxtvImW-CY5Ovui4BtfOYPWhSW3xtWMowxPXjwxKjNwOxBnrxTnAmTIjCwH39c9776DxmXvitWNV74lFps/s1600/SOG+timetable.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="color: black;"><img border="0" height="219" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuyVdXupyaOSvAUWJWM-kYSMM-1SDQgSp9TFLbuGltz5L7U6fPsDJILITxtvImW-CY5Ovui4BtfOYPWhSW3xtWMowxPXjwxKjNwOxBnrxTnAmTIjCwH39c9776DxmXvitWNV74lFps/s320/SOG+timetable.jpg" width="320" /></span></a></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b><u>Details of IPO</u></b><br /><br />From the picture seen on the left, its a rather tight timeline to subscribe for the public tranche of 2.2 million shares while </span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">41.4mil will be placement shares.</span></div>
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">The shares </span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">are offered at 25 cents a piece and </span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">will be listed on the Catalist board.</span></div>
<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">If fully subscribed, the company will raise S$10.9 million through the public offering. </span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">The company will use the IPO proceeds for working capital, to enhance investments in healthcare professionals and synergistic businesses, and also to expand its business operations.</span><br />
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<b style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><u>Financial Performance & Investment Merits</u></b></div>
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A picture is worth a thousand words so i shall let the 2 pictures do the talking below. The main gist is that the company's financials are in good shape, with a steady increase in profits. What amaze me is the 35+% net profit margins.. it just shows how profitable delivering a baby is (milking our monies everytime we go back for a 5min checkup!~).</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJeY8hFFaMv0oiqQiRIPI5Q2rUpbLiHqX3D6GcylFYsKf-3d5bBu-NwHEFUqG6ZvdpjAlLmPKVQqjesjU1ERtnr8V3XYJrczni536p3pMHxKxqiEoC7d9YnULALeF74ApGS1KNZXp6/s1600/SOG+merits.png" imageanchor="1" style="display: inline !important; margin-left: 1em; margin-right: 1em;"><span style="color: black;"><img border="0" height="259" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJeY8hFFaMv0oiqQiRIPI5Q2rUpbLiHqX3D6GcylFYsKf-3d5bBu-NwHEFUqG6ZvdpjAlLmPKVQqjesjU1ERtnr8V3XYJrczni536p3pMHxKxqiEoC7d9YnULALeF74ApGS1KNZXp6/s640/SOG+merits.png" width="640" /></span></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT_OU5CCUI_FQFz34iIV-crJB0JXgVhhPGXrDBPpRkN2Jq53fDGWT69e8Hxc-GQNqmRoPCmzO8EJwyouCbBMAilSF_KheOzdrJzcU67zJY4BXivheDAwRQAD42mguaU3a-rZTDkrrZ/s1600/SOG+financials.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="color: black;"><img border="0" height="536" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT_OU5CCUI_FQFz34iIV-crJB0JXgVhhPGXrDBPpRkN2Jq53fDGWT69e8Hxc-GQNqmRoPCmzO8EJwyouCbBMAilSF_KheOzdrJzcU67zJY4BXivheDAwRQAD42mguaU3a-rZTDkrrZ/s640/SOG+financials.jpg" width="640" /></span></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJeY8hFFaMv0oiqQiRIPI5Q2rUpbLiHqX3D6GcylFYsKf-3d5bBu-NwHEFUqG6ZvdpjAlLmPKVQqjesjU1ERtnr8V3XYJrczni536p3pMHxKxqiEoC7d9YnULALeF74ApGS1KNZXp6/s1600/SOG+merits.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="color: black;"><br /></span></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJeY8hFFaMv0oiqQiRIPI5Q2rUpbLiHqX3D6GcylFYsKf-3d5bBu-NwHEFUqG6ZvdpjAlLmPKVQqjesjU1ERtnr8V3XYJrczni536p3pMHxKxqiEoC7d9YnULALeF74ApGS1KNZXp6/s1600/SOG+merits.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="color: black;"><br /></span></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJeY8hFFaMv0oiqQiRIPI5Q2rUpbLiHqX3D6GcylFYsKf-3d5bBu-NwHEFUqG6ZvdpjAlLmPKVQqjesjU1ERtnr8V3XYJrczni536p3pMHxKxqiEoC7d9YnULALeF74ApGS1KNZXp6/s1600/SOG+merits.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="color: black;"><br /></span></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJeY8hFFaMv0oiqQiRIPI5Q2rUpbLiHqX3D6GcylFYsKf-3d5bBu-NwHEFUqG6ZvdpjAlLmPKVQqjesjU1ERtnr8V3XYJrczni536p3pMHxKxqiEoC7d9YnULALeF74ApGS1KNZXp6/s1600/SOG+merits.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="color: black;"><br /></span></a><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b><u>My thoughts</u></b></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">People may think that by distributing 90% of the dividends, the company is becoming more like a cash cow and unlikely to grow in strength from here.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIZMe_uRk0qvdyiCoNZOK5VeDH5TPlszyVHmVOMVEU7Z2NtuHMkEqpG2WPnZtRjaMtERsbwplfBIzq_3mzaUVjJP14uQzTSemUJCLwOiHRWDa2OMaoOvQx27pfZ31Pi1316B-B-XYr/s1600/qandm.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="color: black;"><img border="0" height="181" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIZMe_uRk0qvdyiCoNZOK5VeDH5TPlszyVHmVOMVEU7Z2NtuHMkEqpG2WPnZtRjaMtERsbwplfBIzq_3mzaUVjJP14uQzTSemUJCLwOiHRWDa2OMaoOvQx27pfZ31Pi1316B-B-XYr/s400/qandm.jpg" width="400" /></span></a><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">However, by doing a comparison to the time Q&M dental was listed (in yr 2009);</span></div>
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">they actually started off the exact same way. Fast forward 6 years and their share price just skyrocketed >100%! over the past year on the back of a string of acquisitions being announced.</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Personally, i feel that this IPO will garner lots of interest due to 3 main reasons:</span></div>
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<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Just look at all the healthcare stocks in Singapore (Talkmed, Q&M Dental, Raffles Medical etc.) and how their share prices have shot up. SOG would do well to ride on the healthcare boom right now.</span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Healthcare industry is one highly predictable industry, as we can easily visualise on how the private sector is serving the affluent market. In most cases, people want to give the best to their family members and would not scrimp on this.</span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">High net profit margins and huge free cash flow are 2 important metrics for a company to expand steadily without any burden of debt. </span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Lastly, a moderate P/E ratio of 12.82 (based on FY14 EPS) and potential 7.3% dividend yield are deeply enticing.</span></li>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">With that, i wish my readers all the best and Huat Ah!</span></div>
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fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com5tag:blogger.com,1999:blog-7806938561434543949.post-51111799190055180562014-07-09T01:13:00.002+08:002014-07-09T01:13:32.125+08:00What I Learnt from my World Cup 2014 Bets<span style="font-family: Verdana, sans-serif;">Just a couple of weeks back, I was sharing on <a href="http://www.investwithjamesyeo.com/2014/06/how-to-bet-on-world-cup-2014.html" target="_blank">how to bet on world cup</a> through Singapore pools at the convenience of your house. Maybe it was too convenient for me~</span><br />
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<span style="font-family: Verdana, sans-serif;">Unfortunately, I got wiped out even before the Semi-finals and Finals (just like the England and Spain!).</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgufLiBCm-BUBYXJSskmr92T6N1KhHmrjCgDcjmKGHj5LdkKdpzU_XfKHYKkaSU6F1A9xvE4YEFLp_ySyOdbNMZfAnbKoaxgbr6d0KTB4v4MksB8w09qxxMvac-i17bKwoo1SfRC4iB/s1600/who+will+win+world+cup+2014.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: Verdana, sans-serif;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgufLiBCm-BUBYXJSskmr92T6N1KhHmrjCgDcjmKGHj5LdkKdpzU_XfKHYKkaSU6F1A9xvE4YEFLp_ySyOdbNMZfAnbKoaxgbr6d0KTB4v4MksB8w09qxxMvac-i17bKwoo1SfRC4iB/s1600/who+will+win+world+cup+2014.jpg" /></span></a></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">Nevertheless, while i was mildly affected, I would also like to share a few <span style="color: red;"><b>Random Thoughts and Lessons</b> </span>I believe would be beneficial to you <i>or amusing perhaps </i>(where you laugh at my losses :/)</span><br />
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<span style="font-family: Verdana, sans-serif;"><b><span style="color: blue;">#1 There is no such thing as a change in fate/fortune</span></b> even after things have gone awry for some time. </span><div>
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<span style="font-family: Verdana, sans-serif;">It is like what you often hear in casinos: "It will surely be Black (or Red) this time round!" even after the same color has appeared for more than 5 times. The same goes for both soccer betting and forex/stock investing etc.</span></div>
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<span style="font-family: Verdana, sans-serif;">In relation to stocks, I have this saying to share: What goes up can continue to go up and what goes down may stay there permanently too.</span><br />
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<b><span style="color: blue; font-family: Verdana, sans-serif;">#2 Betting on the exact score is like speculating on a Penny Stock</span></b><br />
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<span style="font-family: Verdana, sans-serif;">Checking out the odds for every match can be exciting (and it has proven to be too much excitement). "What is the quickest way to earn big bucks!" -> through high risks of buying an exact score!<br />And failure is what I achieved. Pain is what people who "invested" in penny stocks like Blumont and Asiasons experienced when they fell almost 80% in 3 days.<br /></span><br />
<span style="font-family: Verdana, sans-serif;">Most often than not, even if you got the luck to strike it big once (e.g. earn big money on one penny stock), it will not work its charm all the time. What can go up can come down and the only thing that can differentiate this is by looking at its underlying fundamentals.</span><br />
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<span style="color: blue; font-family: Verdana, sans-serif;"><b>#3 Looking at the "Professional Opinions/Reviews" is like listening to the Stock Advisors</b></span><br />
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<span style="font-family: Verdana, sans-serif;">Look at Spain and England. Look back at what the "Experts" have said about them, some even say Spain can be in the top few teams. One key thing to take away from this is that sometimes they may be right too, but you have to do your own research as well.</span><br />
<span style="font-family: Verdana, sans-serif;">The person promoting a pan will always say that the pan is fantastic and awesome! You are the only person who knows what is best for you~</span><br />
<span style="font-family: Verdana, sans-serif;">Same for Investing - No one will take care of your $$ for you if you don't master the basics in stocks investing yourself!</span><br />
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<b><span style="color: red; font-family: Verdana, sans-serif;">Conclusion</span></b><br />
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<span style="font-family: Verdana, sans-serif;">I didn't know once that I can come out with a few theories that link back to investing through just a few simple bets. Even though soccer betting is tempting and the fact that it happens once in 4 years make many people want to place down huge bets to enjoy the Feeling (be part of it); it is advisable to advocate a limit on the bet amount.</span><br />
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<span style="font-family: Verdana, sans-serif;">Nevertheless, I hope that you have learnt something from my post and can "Like" my facebook page at <a href="http://www.facebook.com/kissinvesting">www.facebook.com/kissinvesting</a>. Lastly, Go forth and Enjoy the next few big matches coming up this week!!!</span></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com10tag:blogger.com,1999:blog-7806938561434543949.post-50685485206756262772014-06-17T01:23:00.004+08:002014-06-17T01:23:58.497+08:00How to Bet on World Cup 2014To many people, World Cup is not just watching 22 people kicking the ball around.. (like what the ladies always say)... it's time to fulfill our betting urges!<br />
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Nevertheless, just a word of advice, please curb your gambling bets to a sum you can control and only go for legal operator like Singapore Pools.<br />
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<b><u><span style="color: red;">Singapore Pools</span></u></b><br />
They even set up a World Cup <a href="http://www.singaporepools.com.sg/ms/worldcup/index.html" target="_blank">website</a> for people to sign up online and bet through making a phone call easily. Registration is <a href="https://account.singaporepools.com.sg/online/register.asp" target="_blank">here</a>.<br />
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***Update*** I think that registration is a breeze! No need to queue up with many people all the time and just need to <span style="color: blue;"><i><b>pay $1 for each top-up</b></i></span> (in my case, I just play for fun with $500... :D)<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixzZOeU9RLBV9J2Hq2usI6ytuyLSOFR4zqcH1Td21CGUPe_pjSK8dJFPNU-EHiHqbTrUWnlaOj1oB-ejD8zWe38HREYa6J-jg1teOxIFC4-RcWPg_E8BUM5-SkX6eR_qJhg7mUzXgW/s1600/World+Cup+open+singapore+pools+account.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixzZOeU9RLBV9J2Hq2usI6ytuyLSOFR4zqcH1Td21CGUPe_pjSK8dJFPNU-EHiHqbTrUWnlaOj1oB-ejD8zWe38HREYa6J-jg1teOxIFC4-RcWPg_E8BUM5-SkX6eR_qJhg7mUzXgW/s1600/World+Cup+open+singapore+pools+account.jpg" height="235" width="400" /></a></div>
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Furthermore, they have these 4 places to allow people to watch the matches live there as well. I believe when it comes to quarter-finals onwards, people will all be gathering there and basking in the atmosphere together as well!<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYoMjutCrFYUcc2lBUWSaU4LIWc0XB0lBYceJpVmKevRjvXKMEp8etUvXY6Ze9kEYPxP66-1luqpw1F_S8Lh7RpP75x2cZc1mALxwrOmI_1_VDkeyumLhxBt7ax6ggTdjMOvBu18eG/s1600/world+cup+2014+where+to+watch+singapore.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYoMjutCrFYUcc2lBUWSaU4LIWc0XB0lBYceJpVmKevRjvXKMEp8etUvXY6Ze9kEYPxP66-1luqpw1F_S8Lh7RpP75x2cZc1mALxwrOmI_1_VDkeyumLhxBt7ax6ggTdjMOvBu18eG/s1600/world+cup+2014+where+to+watch+singapore.jpg" height="312" width="640" /></a></div>
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<b><u><span style="color: red;">App</span></u></b><br />
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There is now even an <a href="https://itunes.apple.com/us/app/sg-football-singapore-pools/id293971185?mt=8" target="_blank">App</a> where you can look at the odds at one shot! & nope, its not created by me...<br />
Just find it interesting to share with you all... Not bad i would say...<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMOXXX4D87dIwoiyuPORQbVaOFbc37wRxiZfVWXgh46UIc75RVEWRq3y-igIm4hvx6y8IYwZ7hyphenhyphen_eRPdvRWigp9dtikk8_C1Ze1y85tOUzWt_Km-efVNetH6KtfXYSsp4pbqs5PWo-/s1600/world+cup+app.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMOXXX4D87dIwoiyuPORQbVaOFbc37wRxiZfVWXgh46UIc75RVEWRq3y-igIm4hvx6y8IYwZ7hyphenhyphen_eRPdvRWigp9dtikk8_C1Ze1y85tOUzWt_Km-efVNetH6KtfXYSsp4pbqs5PWo-/s1600/world+cup+app.jpg" height="305" width="400" /></a></div>
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Lastly, just a video to keep your hormones under control...<br />
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<iframe allowfullscreen="" frameborder="0" height="270" src="https://www.youtube.com/embed/g1bs9luXZP4" width="480"></iframe><br />
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Hope everyone (including me) win lots lots! HUAT AH!!!fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com3tag:blogger.com,1999:blog-7806938561434543949.post-32358158930221957092014-06-12T08:00:00.000+08:002014-06-12T08:00:03.122+08:00World Cup Singapore Time and Places to Watch the matches live!<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The World Cup 2014 is finally here! And those who want to immerse themselves in the Soccer Fever can look at the group play draw/schedule, the <i><b><span style="color: blue;">Singapore showing times</span></b></i> and <b><span style="color: blue;">places to watch them</span></b>!</span><div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZDK_Z81f3JZZAJ4Ku_wfVFDyIAqcgVBMYCvYnNJqwxSAf-X3Mu3G2zOZlz5_5GRU7vjV3CJx2x7fnOvyxwealPQaPc6y3-Krx_HL83xhONCSvSDuORTP1wU5noEfH6KCcHtuJql-2/s1600/FIFA+World+Cup+2014+group+play+schedule.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZDK_Z81f3JZZAJ4Ku_wfVFDyIAqcgVBMYCvYnNJqwxSAf-X3Mu3G2zOZlz5_5GRU7vjV3CJx2x7fnOvyxwealPQaPc6y3-Krx_HL83xhONCSvSDuORTP1wU5noEfH6KCcHtuJql-2/s1600/FIFA+World+Cup+2014+group+play+schedule.jpeg" /></span></a></div>
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The Singapore showtimes (All timings shown are in Sg 24hour format)<br /><br /><span style="color: red;"><b>Group A</b></span><br />13/06 04:00 Sao Paulo Brazil - Croatia <br />14/06 00:00 Natal Mexico - Cameroon <br />18/06 03:00 Fortaleza Brazil - Mexico <br />19/06 06:00 Manaus Cameroon - Croatia <br />24/06 04:00 Brasilia Cameroon - Brazil <br />24/06 04:00 Recife Croatia - Mexico <br /><br /><b><span style="color: red;">Group B</span></b><br />14/06 03:00 Salvador Spain - Netherlands <br />14/06 06:00 Cuiaba Chile - Australia <br />19/06 03:00 Rio De Janeiro Spain - Chile <br />19/06 00:00 Porto Alegre Australia - Netherlands <br />24/06 00:00 Curitiba Australia - Spain <br />24/06 00:00 Sao Paulo Netherlands - Chile <br /><br /><b><span style="color: red;">Group C</span></b><br />15/06 00:00 Belo Horizonte Colombia - Greece <br />15/06 09:00 Recife Côte d'Ivoire - Japan <br />20/06 00:00 Brasilia Colombia - Côte d'Ivoire <br />20/06 06:00 Natal Japan - Greece <br />25/06 04:00 Cuiaba Japan - Colombia <br />25/06 04:00 Fortaleza Greece - Côte d'Ivoire<br /><br /><b><span style="color: red;">Group D</span></b><br />15/06 03:00 Fortaleza Uruguay - Costa Rica <br />15/06 06:00 Manaus England - Italy <br />20/06 03:00 Sao Paulo Uruguay - England <br />21/06 00:00 Recife Italy - Costa Rica <br />25/06 00:00 Natal Italy - Uruguay <br />25/06 00:00 Belo Horizonte Costa Rica - England<br /><br /><b><span style="color: red;">Group E</span></b><br />16/06 00:00 Brasilia Switzerland - Ecuador <br />16/06 03:00 Porto Alegre France - Honduras <br />21/06 03:00 Salvador Switzerland - France <br />21/06 06:00 Curitiba Honduras - Ecuador <br />26/06 04:00 Manaus Honduras - Switzerland <br />26/06 04:00 Rio De Janeiro Ecuador - France <br /><br /><b><span style="color: red;">Group F</span></b><br />16/06 06:00 Rio De Janeiro Argentina - Bosnia-Herzegovina <br />17/06 03:00 Curitiba Iran - Nigeria <br />22/06 00:00 Belo Horizonte Argentina - Iran <br />22/06 06:00 Cuiaba Nigeria - Bosnia-Herzegovina <br />26/06 00:00 Porto Alegre Nigeria - Argentina <br />26/06 00:00 Salvador Bosnia-Herzegovina - Iran<br /><br /><b><span style="color: red;">Group G</span></b><br />17/06 00:00 Salvador Germany - Portugal <br />17/06 06:00 Natal Ghana - USA <br />22/06 03:00 Fortaleza Germany - Ghana <br />23/06 06:00 Manaus USA - Portugal <br />27/06 00:00 Recife USA - Germany <br />27/06 00:00 Brasilia Portugal - Ghana<br /><br /><b><span style="color: red;">Group H</span></b><br />18/06 00:00 Belo Horizonte Belgium - Algeria <br />18/06 06:00 Cuiaba Russia - Korea Republic <br />23/06 00:00 Rio De Janeiro Belgium - Russia <br />23/06 03:00 Porto Alegre Korea Republic - Algeria <br />27/06 04:00 Sao Paulo Korea Republic - Belgium <br />27/06 04:00 Curitiba Algeria - Russia</span><div>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br />Figure out that many would be rather restless during work this period of time since all the matches are played during the Zzzzz timing!<br /><br /><div style="text-align: center;">
<span style="color: red;"><i><b>Where to watch them w/o broadband at home?!</b></i></span></div>
<br /><b><u>SAFRA</u></b><br />SAFRA Mount Faber, Tampines and Yishun will be screening all matches at their aircon lobbies while the Toa Payoh branch will air the final. Each venue can house up to 150 persons.<br /><br /><b><u>Community Centres</u></b><br /><a href="http://www.pa.gov.sg/images/highlightedstories/40%20CCs%20WC%20Screening%20Schedule%20-%206th%20June%202014%20Web%20Version.pdf">Full Schedules here</a><br /><br /><b>Mcdonalds</b></span><div style="text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjykXRAC9j1qkGAv8pxs3VXE00PZjiOvFgrFOBu3auD68PHsQaWDJL2zjlRdfkzmNptmtAcw9euiwHLZB-Oq_KXdDz-odBG9lpuLlDOLnFvSw2nROAKWy0SJb2xMfOWW8LRaEFH26pi/s1600/world+cup+mac.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjykXRAC9j1qkGAv8pxs3VXE00PZjiOvFgrFOBu3auD68PHsQaWDJL2zjlRdfkzmNptmtAcw9euiwHLZB-Oq_KXdDz-odBG9lpuLlDOLnFvSw2nROAKWy0SJb2xMfOWW8LRaEFH26pi/s1600/world+cup+mac.jpg" height="491" width="640" /></span></a></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /><b><u>Hong Lim Park</u></b><br /><br /><b><u>Bars</u></b><br />Harry's <br />Hollandse Bar<br />The Bank Bar+ Bistro<br />The Penny Black<br />Muddy Murphy's</span></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com5tag:blogger.com,1999:blog-7806938561434543949.post-50544868281449035332014-06-10T22:29:00.000+08:002014-06-10T22:29:49.411+08:00From Millionaire to Pauper in less than 2 Years<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">If you have read the heart-wrenching <a href="http://www.straitstimes.com/news/singapore/more-singapore-stories/story/1m-gone-2-years-widow-now-broke-20140608" target="_blank">news</a>, about how a widow got donations & insurance payouts worth S$1million and then squandered it all in just 1 YEAR; you would be utterly disappointed in her.</span><br />
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<span style="background-color: white; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 9.600000381469727px;"><i>"I also don't know how I finished (using) the money," she said.</i></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhB3ILn8MhMs6PvqekNaEFvXcGQFKGvCrMlzZkH137UD0hAnNT2zAmThmkKydFUQwiiwDDCqk4F75dvtSFaDFPsZ0IZ2PfyAHXxS411LOHm05izQfmliv-XaM3TowqUAG_TTs9dWbcu/s1600/how+to+handle+windfall.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhB3ILn8MhMs6PvqekNaEFvXcGQFKGvCrMlzZkH137UD0hAnNT2zAmThmkKydFUQwiiwDDCqk4F75dvtSFaDFPsZ0IZ2PfyAHXxS411LOHm05izQfmliv-XaM3TowqUAG_TTs9dWbcu/s1600/how+to+handle+windfall.jpg" height="259" width="400" /></a><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Furthermore, she has 5 kids to look after and now that she's broke, she has to turn back to working a low wage job again.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">While you may feel sad for her and the circumstances she fell into, perhaps a few of you will think of why; Why does this happen?!</span><br />
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<span style="color: red; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>"how the h*ck can you spend all that in a year!?!?"</b></span><br />
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<span style="background-color: white; color: #333333; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 20px;">More often than not, people who come by large sums of money, whether be it through inheritance, striking lottery, sportsmen who suddenly get rich etc.</span><span style="background-color: white; color: #333333; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 20px;"> are set to lose it back all again. (Look at michael jackson, mike tyson). </span><br />
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<span style="background-color: white; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 20px;"><span style="color: #333333;">Why? This is because of one simple reason - </span><b><span style="color: red;">Lack of Financial IQ. </span></b><span style="color: #333333;">If one is not prepared for a financial windfall, the money disappears quickly, with some even reaching a financial position that is worse than before they received the windfall. Some even go to the extent of being bankrupt.</span></span><br />
<span style="background-color: white; color: #333333; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 20px;"><br /></span><span style="background-color: white; color: #333333; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 20px;"><b><u>Qn: So How Should You increase your financial IQ?</u></b></span><br />
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<span style="color: red; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>Ans: Through 3 words.</b></span></div>
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="color: #333333;">1) </span><b><span style="color: blue;">Read</span></b><span style="color: #333333;"> - It's just like studying to pass your basic driving theory test. You need to understand the terminologies and how stuff works before actually working on it. Reading up on personal finance can be easy; you can just borrow the library books for FREE so what's stopping you?</span></span><br />
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="color: #333333;">2) </span><b><span style="color: blue;">Invest</span></b><span style="color: #333333;"> - After getting basic financial knowledge, it's important to take action (like learning driving lessons to get more confidence before taking the test). Many people are afraid to invest their hard-earned money because they are scared to lose it all. However, when you leave your money in the savings account, you are potentially losing out even more than those who make mistakes but improve on them along the way.</span></span><br />
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="color: #333333;">3) </span><b><span style="color: blue;">Assets</span></b><span style="color: #333333;"> - While i may not agree 100% with Robert Kiyosaki on his many philosophies, I do advocate the idea of accumulating assets. As he has always mentioned in his books, Assets can put money in your pocket and make you richer while Liabilities take $ out and make you poorer.</span></span><br />
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="color: #333333;"><b>Conclusion</b></span></span><br />
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="color: #333333;">In my own conjecture, i believe there are still many more out there that lack the necessary financial wisdom to secure their own comfortable retirement next time. I have the dream to help as many as I can and hope that I can reach out to them one way or another; taking on the late Dennis Ng's dreams to build a foundation with the donations of people who benefitted from the knowledge </span></span><span style="color: #333333; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">i shared.</span></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com7tag:blogger.com,1999:blog-7806938561434543949.post-67949108244391265232014-05-29T07:00:00.000+08:002014-05-29T07:00:02.733+08:00Highlights of the Singpost-Alibaba Collaboration<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5e7DYDZlGspSwzmNNeAZwsfO64Y37hNRjac985N28hPlVTt3AqytWy-3xMy_zESmvimX_2mKkcENekKXaeYk64p08cMUSmpYAtpeK_JOJQeIYimLwSfJ4dioLBi8vE0HE3s28JShq/s1600/alibaba+singpost.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5e7DYDZlGspSwzmNNeAZwsfO64Y37hNRjac985N28hPlVTt3AqytWy-3xMy_zESmvimX_2mKkcENekKXaeYk64p08cMUSmpYAtpeK_JOJQeIYimLwSfJ4dioLBi8vE0HE3s28JShq/s1600/alibaba+singpost.jpg" /></a></div>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">If you haven't already know, Singpost announced a trading halt yesterday in the afternoon, pertaining to Alibaba's investment in it. The news can be found <a href="http://infopub.sgx.com/FileOpen/NewsRelease.ashx?App=Announcement&FileID=299060" target="_blank">here</a>.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Instead of boring you with the nitty-gritty details; let's take a look at the <span style="color: red;"><b>main highlights</b></span>:</span><br />
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<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Alibaba Investment Limited will invest S$312.5 million to purchase 30 million existing ordinary shares held in treasury by SingPost and 190.096 million new ordinary shares and <span style="color: blue;">take a 10.35% stake in SingPost upon completion.</span><br /></span></li>
<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Both parties are forming a joint venture (JV) to <span style="color: blue;">leverage on each other's strengths</span> and distribution networks/technology discuss.<br /></span></li>
<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Currently, </span><i style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="color: blue;">SingPost’s e-commerce and related businesses account for about 26% of its total revenue</span></i><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">. The CEO has said that he understands that their core domestic business [mailing biz] continues to be under pressure from rapidly declining domestic traditional mail volumes. <br />Thus, he is looking at driving growth through Singpost's regional e-commerce logistics and strengthening it to be a regional revenue stream.<br /></span></li>
<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span style="color: blue;">Funds from this investment</span> provide SingPost with financial flexibility to <span style="color: blue;">significantly scale up its e-commerce logistics business</span> and build new capabilities as they are poised for growth in the region.</span></li>
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<b><span style="color: red; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">My Opinion</span></b><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">It seems that everything is oiled into place - <span style="color: blue;">CEO with the right focus on e-commerce, a strong backing from Alibaba and plenty of <i>ka-ching </i>to expand quickly</span>. </span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">While </span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Singpost is selling for a relatively high P/E ratio of 23.08 (from bloomberg as at 28 May); if it can turn its e-commerce biz from 26% of its revenue to 50% - it will mark a very strong growth rate like seen from Raffles Medical (growing at P/E 20+ with strong earnings growth over past years) </span><br />
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Furthermore, it also offers a 3.79% dividend yield, so it can also provide some decent cash-flow for an investor even if it is a long wait for capital gains.</span><br />
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">What do you think about this deal for Singpost? Let me know by leaving a comment under my </span><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">facebook page @ <a href="http://www.facebook.com/kissinvesting">www.facebook.com/kissinvesting</a>. Thanks & HUAT AH!</span>fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com2tag:blogger.com,1999:blog-7806938561434543949.post-32574037750008180322014-05-27T07:00:00.000+08:002014-05-27T07:00:01.164+08:00How to buy thailand undervalued stocks<div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvwbscbe0ynqS2pJL0gpdf2hBnTrN0_uMRos5kOEZHNib56vz_2pc10DwuxHN8OEe5o6J6T89HFJJQHXtidtoLSdatwJ_ksuHGpxTetSShsn7KlRzWwaoBH7FD_efJWjcI4GXH-XX_/s1600/stock+exchange+of+thailand.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvwbscbe0ynqS2pJL0gpdf2hBnTrN0_uMRos5kOEZHNib56vz_2pc10DwuxHN8OEe5o6J6T89HFJJQHXtidtoLSdatwJ_ksuHGpxTetSShsn7KlRzWwaoBH7FD_efJWjcI4GXH-XX_/s1600/stock+exchange+of+thailand.jpg" height="266" width="400" /></a></div>
<b><span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Unrest in Thailand<o:p></o:p></span></span></b></div>
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<span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The political turmoil in Thailand shows no pause or any sort. In fact, this 12<sup>th</sup> military coup in the
history of the country is making things </span></span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 18.399999618530273px;">worse for the country’s economy.</span></div>
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 18.399999618530273px;">Thailand has been facing unrest for over the past six months and the</span><span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"> <i>Thai Baht</i> has come down 2% compared to US dollar after the coup
news.</span></span></div>
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<span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Nevertheless, as investors dig through Thailand's history of coups, they will realise that the stock markets usually rebound sharply once things are stabilized.</span></span></div>
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<span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>Finding Undervalued Thai Stocks</b></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 18.399999618530273px;">So out of curiosity, I decided to <u><b><span style="color: blue;">run a stock filter</span></b></u> based on the following:</span></span></div>
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<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 18.399999618530273px;"><span style="line-height: normal;">Exchange is </span><b style="line-height: normal; margin: 0px; padding: 0px;">SET [Stock exchange of Thailand]</b></span></span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 18.399999618530273px;"><b style="line-height: normal; margin: 0px; padding: 0px;"><span style="font-weight: normal;">Return On Equity (FY) is </span><b style="margin: 0px; padding: 0px;">>10 (%)</b></b></span></span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 18.399999618530273px;"><b style="line-height: normal; margin: 0px; padding: 0px;"><b style="margin: 0px; padding: 0px;"><span style="font-weight: normal;">Dividend Yield is </span><b style="margin: 0px; padding: 0px;">5 - 10 (%)</b></b></b></span></span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 18.399999618530273px;"><b style="line-height: normal; margin: 0px; padding: 0px;"><b style="margin: 0px; padding: 0px;"><b style="margin: 0px; padding: 0px;"><span style="font-weight: normal;">P/E excluding extraordinary items (Q) is </span><b style="margin: 0px; padding: 0px;"><10</b></b></b></b></span></span></li>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBp5_Yt15zsE_FhyBDVvljSfj-lv7tSKHDhHGrefsMg82q7Wzm5DDKtbm3rUNMx4byIrnIcmrgtlFVr5qpYb4y9JCp3mfdA78yL2El3S5vltXN2YTyzuOyNX9HXZiEaLebaJteGRTO/s1600/Thailand+stock+filter.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBp5_Yt15zsE_FhyBDVvljSfj-lv7tSKHDhHGrefsMg82q7Wzm5DDKtbm3rUNMx4byIrnIcmrgtlFVr5qpYb4y9JCp3mfdA78yL2El3S5vltXN2YTyzuOyNX9HXZiEaLebaJteGRTO/s1600/Thailand+stock+filter.jpg" height="266" width="640" /></a></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: x-small;"><i>Screenshot of Stocks which match the 4 filters</i></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The rationale behind these screens? I want the stocks to be cheap and performing well in terms of ROE. One filter Warren Buffett tends to look for is <i><span style="color: red;">"Has the company performed consistently well?"</span></i> </span><span style="background-color: white; color: #111111; line-height: 22.5px;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">ROE is also referred to as "stockholder's return on investment." It reveals the rate at which shareholders are earning income on their shares.</span></span><br />
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<span style="background-color: white; line-height: 22.5px;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #111111;">Lastly, no one will know when the coup will end. Barring any unforeseen circumstances, I wish to look for a </span><i><span style="color: red;">good dividend yield to help me tide over the uncertainty ahead</span><span style="color: blue;">.</span></i><span style="color: #111111;"> Of course, consistent dividend payouts and free cash flow will be important in judging if the yield can be sustained.</span></span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>School of Thought</b></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">While it may not be comprehensive enough to capture other quality stocks as well, I believe a stock screening is definitely better than nothing. Moreover, there are still numerous stocks which we can zoom into their qualitative aspects.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">In my next few posts, I will be touching on those Thailand stocks (if any) that possess one or more qualities such as great growth potential, high profit margins, margin of safety and more!</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Like my post to receive more regular updates like this at <a href="http://www.facebook.com/kissinvesting">www.facebook.com/kissinvesting</a>. Thanks & HUAT AH!</span>fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com4tag:blogger.com,1999:blog-7806938561434543949.post-71206004843125301732014-05-20T23:37:00.001+08:002014-05-20T23:37:48.644+08:00Why SMRT share price shoot up/increase 44.6%<div style="background-color: white; box-sizing: border-box; direction: ltr; line-height: 1.3em; margin-bottom: 17px; padding: 0px;">
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #222222;">SMRT had a huge run-up in its stock price - </span><span style="color: red;"><b>whopping 44.6% gain</b></span><span style="color: #222222;"> in less than 1 month from 23 April where it laid stagnant at S$1.02 for quite some time. This is despite the fact that there are no significant developments in the company!</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #222222;">Nevertheless, many market observers would be lamenting now that they missed such a market darling. Will the up trend continues or will it fade away? </span><span style="line-height: 1.3em;">Let's take a look at why its stock price soar so high in the first place...</span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRWz4ed-9c_aIQQrET0vD4xnqJRXU2G6cmL6Qr0gL6qBxMs0MmAiNmQBvjBCU8cGMMajSyrYOALPVWZJQQpicFF7LFVK1qzRy1OHffubh5QKzBD6AoIptUKJmQLkfOOZog56TxlpIZ/s1600/SMRT2604e.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRWz4ed-9c_aIQQrET0vD4xnqJRXU2G6cmL6Qr0gL6qBxMs0MmAiNmQBvjBCU8cGMMajSyrYOALPVWZJQQpicFF7LFVK1qzRy1OHffubh5QKzBD6AoIptUKJmQLkfOOZog56TxlpIZ/s1600/SMRT2604e.jpg" height="226" width="400" /></a></div>
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<b style="box-sizing: border-box; color: #222222; line-height: inherit;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Proposal to sell hard assets to Singapore's govt</span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #222222;">After numerous train breakdowns, one of the key concerns is the improving and refurbishing of its railway lines which cost tons lots of money, driving its profits down due to high costs. The potential sale would turn SMRT into an </span><span style="color: red;"><b>asset-light operator</b></span><span style="color: #222222;"> (</span></span><span style="background-color: transparent; color: #222222; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 1.3em;">For more information, you can read the news article </span><a href="http://business.asiaone.com/news/smrt-shares-20-cent-asset-sale-speculation" style="background-color: transparent; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 1.3em;" target="_blank">here</a>) <span style="color: #222222; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 1.3em;">where: </span></div>
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<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 1.3em;"><span style="color: #222222;">it only charges a cost-plus pricing for operating the lines (a d*mn good deal i would say)</span></span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 1.3em;"><span style="color: #222222;">The high operating costs are now borne by the government, in turn, by the tax-payers. </span></span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 1.3em;"><span style="color: #222222;">Don't forget about its lucrative rental and advertising side-lines where the opening of Sports Hub will lead to another set of good results.</span></span></li>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #222222;">Over the long run, if the framework is approved, it does help to validate the surge in share price. However, as of 20 May 2014, SMRT is selling at 36.88 times P/E ratio, 2.68 times of the STI multiple. </span><i><span style="color: blue;">The earnings will have to increase by 100% or 2 times in order for the P/E ratio to be in a more acceptable range of 18+</span></i><span style="color: #222222;">.</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #222222;"><span style="line-height: 1.3em;">Lastly, such a major decision may take some time to materalize and even more time will be required to turn it into profits. People should be careful of buying in a frenzy and getting stuck at the top for a long time in order for fundamentals to catch up to the </span><span style="line-height: 20.799999237060547px;">euphoria</span><span style="line-height: 1.3em;">.</span></span></span></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com4tag:blogger.com,1999:blog-7806938561434543949.post-45969873103929696962014-05-20T07:30:00.000+08:002014-05-20T01:22:34.160+08:003 reasons to bet on Croesus Retail Trust<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfjEamHtajnl0WYw5bpem3qCJlbuaWuJMysZmt63SFKHUQoOetDpA0ODSriGWX2DVtZjBjmatCoKCR8EbpoHJfD30g0IPjrFgPQpajSCOoPh3IicqfTihbTeGncZkfUep4jHl2d8Id/s1600/croesus.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfjEamHtajnl0WYw5bpem3qCJlbuaWuJMysZmt63SFKHUQoOetDpA0ODSriGWX2DVtZjBjmatCoKCR8EbpoHJfD30g0IPjrFgPQpajSCOoPh3IicqfTihbTeGncZkfUep4jHl2d8Id/s1600/croesus.jpg" height="166" width="400" /></a><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Gone were the days where Croesus Retail Trust lingered at below its IPO price of S$0.93 around one year ago. It has been on an upswing recently, up almost 8% in a month. This can be due to the positive news where it still has the first right of refusal to 2 additional malls in Japan.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Other than that, there are 3 compelling reasons why Croesus Retail Trust is worth another look:</span><br />
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<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>Strong Financials</b>: Besides reporting Actual results that out-performed forecasts in 3 straight quarters, it is offering a <span style="color: blue;"><i><b>dividend yield of 7.37%</b></i></span>.</span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>Right Place, Right Time</b>: Croesus Retail trust properties are all situated in <b>Japan</b>, a country where <i><b>many asset values have fallen drastically for the past decade</b></i>. Nevertheless, under Abenomics, the middle income crowd seems to be getting back into shape.</span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>Awards:</b> Winning the title of <span style="color: blue;"><b><i>"<a href="http://infopub.sgx.com/FileOpen/CRT_Best_Small-cap_Company_FinanceAsia_2014.ashx?App=Announcement&FileID=297400" target="_blank">Best Small Cap Company</a>"</i></b></span> drives in the notion that management team is delivering a good job in steering the company to greater heights.</span></li>
<li><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>Growth Plans:</b> Opportunities of <b>Rental Reversions</b> are intact. With accretive acquisitions & rental increases -> it can lead to higher distributions in the future too.</span></li>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Nevertheless, investors will have to take note of the <a href="http://infopub.sgx.com/FileOpen/CRT_Q3FY14_Presentation_14May2014.ashx?App=Announcement&FileID=297217" target="_blank">high gearing ratio</a> (53.5% as of 31 March 2014) which seems to be more than the average REITs in the market. If you are interested about the company, you can read more here.</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Hope you like my post! You can receive more regular updates by "Like"-ing my facebook page at <a href="http://www.facebook.com/kissinvesting">www.facebook.com/kissinvesting</a>. Thanks & HUAT AH!</span></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com1tag:blogger.com,1999:blog-7806938561434543949.post-81465613209825986462014-05-11T11:00:00.000+08:002014-05-11T11:00:00.587+08:00Learn how to Enjoy 1 for 1 movies and starbucks coffee!If you haven't already noticed, the discounted movie tickets (using Passion card or NTUC card or any credit cards) at Cathay Cineplexes are no more for the time being until June 2014... Leaving us with the other option of regular priced tickets at S$13?!<br />
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That's seriously expensive... Inflation has made its way into the movies as well! I remember I grumbled having to pay $7 during my school days.. lol..<br />
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Meanwhile, there is a glimmer of hope where you can enjoy 1 for 1 movie tickets (I just used it to watch Spiderman 2 movies at $6.50 each)!<br />
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Now you can enjoy all these offers by just <span style="color: red;"><b>downloading the Nets Savers App</b></span> and using any card that has <b><span style="color: red;">Nets Flashpay to make payment</span></b>! Share this with your frens as well!</div>
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Hope all of you can Save more $_$!</div>
<br />fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com2tag:blogger.com,1999:blog-7806938561434543949.post-40165874989548384342014-05-04T10:26:00.002+08:002014-05-04T10:27:00.631+08:00Singapore ranked 2nd in World's Economic Free Countries Index<div align="left" class="MsoNormal">
<b><span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The Index of Economic
Freedom for 2014<o:p></o:p></span></span></b></div>
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<b><span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span></span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">According to the <a href="http://thf_media.s3.amazonaws.com/2014/pdf/Index2014_Highlights.pdf" target="_blank">economic freedom index</a>, Singapore is the second "free"st economy in the world behind Hong
Kong. The index marked the country with a score of 89.4 which is 1.4 points
ahead of last year.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXL8FX5a7YjuUn0AadpeCZQ1qMUO2gyZycCxNe2Dmf40tro1rPJDx6p-Ufk4OYn90v6OnRg_vOV9V1UAy3eT-X7-WxUTLkGbe0QbP0cvPB0A8bDWCsx6u7x751hgnxt6PnACXJNEZ8/s1600/4+categories+of+economic+free+countries.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXL8FX5a7YjuUn0AadpeCZQ1qMUO2gyZycCxNe2Dmf40tro1rPJDx6p-Ufk4OYn90v6OnRg_vOV9V1UAy3eT-X7-WxUTLkGbe0QbP0cvPB0A8bDWCsx6u7x751hgnxt6PnACXJNEZ8/s1600/4+categories+of+economic+free+countries.jpg" height="193" width="640" /></a></div>
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">This figure represents the labour and investment freedom in
the country that overshadows any small monetary and business freedom decline.
Singapore has been ranked as being second among 42 countries in the Asia
Pacific region.</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">In the index’s 20 year
history, Singapore has successfully surged up by 3 points <span style="color: blue;"><i>owing to limited
government and market openness</i></span> that has advanced in the past years in double
digits. </span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Singapore’s competitiveness has been powered by <i><span style="color: blue;">high trade freedom
levels and the regulatory efficiency</span></i> that contribute largely to the ensuring of
a resilient growth of the country’s economy. With a record of continuous high
achievements from the past consecutive four years from 2010, it is now in 2014
that Singapore has achieved its highest ever index score. </span></div>
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<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 18.399999618530273px;">Singapore also holds a strong <span style="color: blue;"><i>minimum tolerance tradition from corruption</i></span> which is institutionalized within a judicial frame work that is efficient and sustains the rule of law for this ever dynamic economy.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjswglTdBOPen8T7wSTF-k2yx42FvOZW5le_AphULRFi_5wXdyyD9wK_wy_k-HlWJWBS-nD6Cyhet8w_SJCEMBUtIk1LHpM7B5DtFK4MdpeSc0Gh2LE-NUuZ7Kiqg58-ofB4XwjcEFK/s1600/economic+free+countries.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjswglTdBOPen8T7wSTF-k2yx42FvOZW5le_AphULRFi_5wXdyyD9wK_wy_k-HlWJWBS-nD6Cyhet8w_SJCEMBUtIk1LHpM7B5DtFK4MdpeSc0Gh2LE-NUuZ7Kiqg58-ofB4XwjcEFK/s1600/economic+free+countries.jpg" height="195" width="400" /></a></div>
<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 18.399999618530273px;"><span style="color: red;"><b>Economic Freedom Promotes Prosperity</b></span></span><br />
<span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span></span>
<span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">As you can see from the ranking of the world by economic freedom-ness, many of the small countries are high up in the top 10. </span></span><br />
<span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span></span>
<span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Perhaps thats why many countries would like the small countries like - Singapore, Switzerland, Hong Kong to shed some light on how to manage their countries!</span></span><br />
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<span style="line-height: 115%;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">All said, Singapore achieved S$60,410 per
capita income, S$56.7 billion FDI flow, 4.6% inflation and 2% unemployment for the year 2013, a feat we Singaporeans can be proud of!</span></span><br />
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fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com0tag:blogger.com,1999:blog-7806938561434543949.post-67074058321757163942014-05-02T00:15:00.000+08:002015-08-25T01:32:02.661+08:00Why Investing is like Playing Dota<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqw9rBk9qmBdP1PgVFLF7MZ4ZaBc8C6huQzslhW-_EonQXQRW-DmSTJzYOFGLDufiDv6ehfNC-XJl_eUmz4_AMuyMz7dS23sB8NnT-739Zwg6yN8O8QhNEQRuULZ8Ll0A68WQp96aW/s1600/dota+logo.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqw9rBk9qmBdP1PgVFLF7MZ4ZaBc8C6huQzslhW-_EonQXQRW-DmSTJzYOFGLDufiDv6ehfNC-XJl_eUmz4_AMuyMz7dS23sB8NnT-739Zwg6yN8O8QhNEQRuULZ8Ll0A68WQp96aW/s1600/dota+logo.jpg" height="225" width="400" /></a></div>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; line-height: 21px; text-align: justify;">P.S. If you don't know what </span><i style="background-color: white; line-height: 21px; text-align: justify;">Defense of the Ancients (DotA)</i><span style="background-color: white; line-height: 21px; text-align: justify;"> is...well, you're probably not reading this post.</span></span><br />
<span style="background-color: white; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 21px; text-align: justify;"><br /></span>
<span style="background-color: white; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 21px; text-align: justify;">Many people (esp girls) i think, will exclaim at this title.. What!?! How can such an important thing like investing be linked to playing a game!</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">That said, i would like to state first that i am both an investor and avid dota gamer. </span></span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 21px;">And i thought of the similarities while waiting for the game to start... Lol.. Here goes:</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: blue; line-height: 21px;"><b>#1 Begin with the End in mind</b></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">Dota: you have to take down the enemy towers..</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;"><br /></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">Investing: this is really dependant on each individual (some may aim to be billionaire?) but generally it is to retire rich and have a comfortable retirement.</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: blue; line-height: 21px;"><b>#2 Steps to achieve it</b></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">Dota: you <i>farm creeps/minion</i>s (for gals who don't understand - they are little creatures that drop money) and <i>slaughter enemy heroes</i> to build up ur inventory; so that you are stronger than ur opponents to achieve your goal (mentioned previously).</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">Investing: you have to slowly build up your wealth through the power of compounding and your preferred investment strategy. Killing heroes is like getting a bonus from multi-bagger stocks...</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: blue; line-height: 21px;"><b>#3 Teamwork</b></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">Dota: No matter how great you are as a solo hero; it doesn't mean you can win against a team of five alone. Tournaments has shown that teamwork is crucial - carry, tanker and supporter.</span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgH3V55gJC9dDCjkr3l1KJTKvHY_rmyARooXgMUCu4MB4HKtwtedVPYZBATPQr6BDXoXDdyH_q7Nb1OJIfOykCXZkmS95xK-mMUuetfAqP661GDcYmqF7_FeWxKBreaqnVPm1GMrVZq/s1600/dota+cute+heroes.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgH3V55gJC9dDCjkr3l1KJTKvHY_rmyARooXgMUCu4MB4HKtwtedVPYZBATPQr6BDXoXDdyH_q7Nb1OJIfOykCXZkmS95xK-mMUuetfAqP661GDcYmqF7_FeWxKBreaqnVPm1GMrVZq/s1600/dota+cute+heroes.jpg" height="640" width="196" /></a><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">Investing: same goes for investing.. When you dip into the investment world for the first time, many will feel overwhelmed.. (I have many friends asking me how to start, how to value or see whether stocks are good buys or not)</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">The key point is here: history has proven that every successful person has a mentor and why should you be different?</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">Find a mentor, financial adviser, stock-broker and books/seminars (yes, they are impt!) to be your team to HELP you... (Many are just there to earn ur $$ so be careful)</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: blue; line-height: 21px;"><b>Conclusion</b></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">All in all, it also depends on your mindset. More often than not, people give up on Dota games when they see no hope to win right at the start.</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">If you bring this mentality to stocks investment, you are "doomed" (by doombringer lol!). Okay cold joke aside, investing in stocks as well as dota, are easily done; but not easy to be mastered.</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="line-height: 21px;">There you go - the reasons why investing is like dota. There is one real big difference though, u can earn kaching $_$ by investing wisely but not dota! So, kickstart on your investment journey today!!</span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOIFgBpVDl0tagfzln6l0UBjk0t3AN-QHfbyidZ1TYuk5V5yFdV4bwmyKRX-dXkwJr48PcBoyMrxa9Wo9IS3wrb1ZpNgi7A5qsWPjLxlIXpHEECSfwbMA5HLS2EeQ4CJLDHFph2wX6/s1600/china+merchant+holdings.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOIFgBpVDl0tagfzln6l0UBjk0t3AN-QHfbyidZ1TYuk5V5yFdV4bwmyKRX-dXkwJr48PcBoyMrxa9Wo9IS3wrb1ZpNgi7A5qsWPjLxlIXpHEECSfwbMA5HLS2EeQ4CJLDHFph2wX6/s1600/china+merchant+holdings.jpg" height="227" width="400" /></a></div>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>China Merchants
Holdings (Pacific) Limited</b> (SGX: C22) reported a solid first quarter
results yesterday, with net profits rising 14% to HK$222.67 million from the
corresponding quarter last year. </span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Listed in August 1981, China Merchants Holdings (Pacific) Limited
(SGX: C22) ("CMH" in short) was originally a hotel operator under the
name of Hotel Tai-Pan Pte Ltd. However, according to this quarter results, the
company has announced the disposal of its property development business on 16
April 2014. The sale is a positive sign since the segment has not been
performing well and with that, CMH can now focus on its profitable and growing
toll road division. </span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Currently, the company owns and operates four toll roads
totalling 367 kilometres. They are located in Zhejiang province , Guangxi
Zhuang Autonomous Region and Guizhou province in the PRC. These roads form the
main component of the national and provincial road networks.</span></div>
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<b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Some basic numbers<o:p></o:p></span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">While group revenue for 1Q2014 increased 6% to from HK$436.4
million to HK$464.4 million, net profits edged up 14% due to several components
in the income statement. </span></div>
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<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;">·</span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;"> </span><b style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;"><i>Other operating income</i></b><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;"> swelled 199%
from HK$4 million to around HK$11.9 million mainly due to recognition of
deferred income and effective interest on other receivables relating to
compensation granted by local governmental authorities</span></li>
<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;">·</span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;"> </span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;">19% and 39% fall in </span><b style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;"><i>admin and finance expenses</i></b><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;">.
The former is because of lower professional fee incurred by the Company and
lower administrative expenses incurred by Beilun Port Expressway while the
latter is due to repayment of certain long term bank borrowings</span></li>
<li><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;">·</span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;"> </span><b style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;"><i>Share of results of jointly controlled
entities</i></b><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; text-indent: -0.25in;"> also inched up 10% with higher contributions from the group's
two toll roads, namely Gui Liu Expressway and Gui Huang Expressway</span></li>
</ul>
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<b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Financial Position
and Valuation</span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">If you zoom in on the liabilities area, you would have
noticed that it is slightly on the high side at HK$3.38 billion as net profits
only amount to HK$222.67 million for the quarter. On the other hand, cash and
cash equivalents stands at HK$1.64 billion, and capital expenditure remain at a
bare minimum - HK$5.05 million for the quarter.</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Executive Chairman and CEO Mr Luo Hui Lai said, “The Group
delivered strong results in 1Q2014, continuing the good momentum from FY2013.
We expect our toll road business to continue to deliver positive results in
light of the economic growth in the provinces where they are located and the
continued growth in vehicle ownership.”</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">CMH last closed at S$0.96 and trades at a Price-earnings
ratio of 7.28. It also offers a juicy 7.29% dividend yield, which may attract
the attention of many income investors since its underlying toll road
businesses can support the dividend pay-outs through stable, recurring cash
flows.</span></div>
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fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com7tag:blogger.com,1999:blog-7806938561434543949.post-34521697080752320542014-04-26T10:00:00.000+08:002014-04-26T10:00:01.986+08:00Why SMRT and SBS Transit Prices increase/surge?<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">If you haven't notice, the prices of <span style="color: blue;"><b>SMRT and SBS Transit soared to S$1.205 and S$1.315</b></span> respectively, up almost 20% from wednesday (23 Apr) closing prices!!</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">SGX has also launched an investigation/query to investigate on the unusual trading activity.</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">But what actually happened... I received an analyst report stating <i><b><span style="color: red;">2 possible reasons</span></b></i>:</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white;"><u><b><span style="color: blue;">Scenario 1</span></b></u><span style="color: #222222;"> </span></span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="color: #222222;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgM0h-CGpahuZ3A8eUr0-GyDQWkB5Hn0V2OTe7g6cdHrXKxp10FBLhXKHubxzV2aJJ1JKN1YPh5wonlaAYw5B3_6o8jXzM3zKb90x_uHYr1Vjk8Hlif1rilDrsj1gF9cUFNGCBOW-hK/s1600/smrt+pic.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgM0h-CGpahuZ3A8eUr0-GyDQWkB5Hn0V2OTe7g6cdHrXKxp10FBLhXKHubxzV2aJJ1JKN1YPh5wonlaAYw5B3_6o8jXzM3zKb90x_uHYr1Vjk8Hlif1rilDrsj1gF9cUFNGCBOW-hK/s1600/smrt+pic.jpg" height="226" width="400" /></a></span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #222222;"><br /></span></span>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #222222;">Railway Financing Framework in place - Highly possible – The house believes that SMRT is making inroads with regulators regarding the accounting of asset transfers under the new rail-financing framework. This is assume to be very close to a conclusion. </span><br style="background-color: white; color: #222222;" /><br style="background-color: white; color: #222222;" /><span style="background-color: white; color: #222222;">In short, the end result will be a predictable cash flows and a more sustainable financing model, which will alter the fate of the company. Under the new rail financing framework, LTA will collect a licence charge that the operator will pay for the right to run and generate returns from the revenue service. The monies received will be pooled together to replace and enhance operating equipment such as trains, signaling systems and other operating assets for operating the Railway Transport System (RTS). </span><br style="background-color: white; color: #222222;" /><br style="background-color: white; color: #222222;" /><span style="background-color: white; color: #222222;">The licence charge comprises fixed and variable components. The fixed component is calibrated to take into account factors such as the viability of the line, its long-term operational and maintenance needs, and the benefits and costs that the line is likely to bring to/impose on the rest of the railway network. The variable component ensures the appropriate level of risk-sharing between government and the operator. </span><br style="background-color: white; color: #222222;" /><br style="background-color: white; color: #222222;" /><span style="background-color: white; color: #222222;">CIMB modelled in significant amount of service enhancement works that would be completed within the next 24 months, related costs would taper, leading to margin recovery in FY15F. As such, the house sees a 36% yoy improvement on core net profit (FY15 net profit S$84m).</span><br style="background-color: white; color: #222222;" /><br style="background-color: white; color: #222222;" /><span style="background-color: white; color: #222222;">The shift/change in business model (to cost-plus model, if indeed this happen) will would also go a long way into reversing SMRT’s bus losses 12-</span><span class="aBn" data-term="goog_1170732717" style="background-color: white; border-bottom-color: rgb(204, 204, 204); border-bottom-style: dashed; border-bottom-width: 1px; color: #222222; position: relative; top: -2px; z-index: 0;" tabindex="0"><span class="aQJ" style="position: relative; top: 2px; z-index: -1;">18 months from now</span></span><span style="background-color: white; color: #222222;"> and significantly improve margins, earnings and cash flows. This should help mitigate the incremental costs required to improve the other related opex, which are currently causing severe the cost-revenue misalignment.</span><br style="background-color: white; color: #222222;" /><br style="background-color: white; color: #222222;" /><span style="background-color: white;"><b><u><span style="color: blue;">Scenario 2: Nationalization of SMRT</span></u></b><span style="color: #222222;"> </span></span></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #222222;"><br /></span></span>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #222222;">- Lower possibility – Though not ruled out entirely, is the possibility of nationalizing the company. CIMB however do not think it is in the interest of the government to “own” back the company, and subject itself to further abuse from disgruntled commenters whenever trains breakdown, or fare increase is necessitated. </span></span>fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com0tag:blogger.com,1999:blog-7806938561434543949.post-58690966749164930442014-04-25T23:36:00.001+08:002014-04-25T23:36:57.487+08:00Investment/finance App (why moolah) reviewTried out one financial planning app yesterday which depicts your life from 24 (as you start working) to when you are around 33.<div><br></div><div><i>Unbiased review here since i am not paid or whatsoever..</i><br><div><br></div><div><div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqygc8VGpVlwdq85xnwxFbGg9DolEWxpYGufhhbRqKkKjH-uMNEs71dbZeGnXpWraWdlPCV9iomVX_XvXl0r9zSDYW6M-FfUYFi55NnlJt2Ik4s1TcQVsjFdv20UnqkAAVzOjOa1A9/s640/blogger-image-1467146556.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqygc8VGpVlwdq85xnwxFbGg9DolEWxpYGufhhbRqKkKjH-uMNEs71dbZeGnXpWraWdlPCV9iomVX_XvXl0r9zSDYW6M-FfUYFi55NnlJt2Ik4s1TcQVsjFdv20UnqkAAVzOjOa1A9/s640/blogger-image-1467146556.jpg"></a></div><br></div><div>The app is quite fun and enriching for those who are not so familiar with personal finance. Whole process only last 1hr+ but can give you knowledge for your entire lifetime!</div></div><div><br></div><div>Playing the game brings light to certain important financial decisions you would have neglected/missed out in your busy course of work.</div><div><br></div><div>For one instance, the wedding preparations do add up! My "dream" wedding costs ard $50+k and still may be insufficient for my partner (she want a europe tour :O)</div><div><br></div><div><div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2pSjkBWvRMMIJt7cnBDL3ZRfHSpXuBYGI5wjqrO0wrMFYM75N6gKpkUpuKS_bMQgObyzokCxuAxdXwK5Uz3zVHrsLqbzghF3jlq8QZI05iVC5ckKRHcS390MOFjaqaQgVyaJBCazq/s640/blogger-image--422000327.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2pSjkBWvRMMIJt7cnBDL3ZRfHSpXuBYGI5wjqrO0wrMFYM75N6gKpkUpuKS_bMQgObyzokCxuAxdXwK5Uz3zVHrsLqbzghF3jlq8QZI05iVC5ckKRHcS390MOFjaqaQgVyaJBCazq/s640/blogger-image--422000327.jpg"></a></div><div class="separator" style="clear: both;"><br></div><div class="separator" style="clear: both;">On the other hand, the app may be too optimstic. It does not take into account many little things as well. For instance, a pub outing and giving of a "red bomb" only occurs twice per year? I think at my age where everyone is getting married, my ang paos amt and qty will soar..</div><div class="separator" style="clear: both;"><br></div><div class="separator" style="clear: both;">Furthermore, it teaches about investing and how liabilities like a car can eat into your savings so quickly!</div><div class="separator" style="clear: both;"><br></div><div class="separator" style="clear: both;">All said, Overall it can be quite enriching for ppl who are new to financial planning and interested to find out more. Playing and increasing your financial knowledge makes it a win-win situation!</div></div>fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com0tag:blogger.com,1999:blog-7806938561434543949.post-64115184239951923452014-04-19T13:14:00.002+08:002014-04-19T13:14:49.731+08:00QT Vascular IPO - upcoming IPO<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Recently, the IPO fever seems to heat up again. While there are 2 upcoming IPOs, <i>QT Vascular</i> and PACC Offshore Services Holdings (POSH); the former seems to be down-played due to the lack of advertising and significantly smaller size.</span><div>
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<span style="color: blue; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><u><b>Introduction</b></u></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">QT Vascular produces devices to treat diseased arteries in the heart and elsewhere, aims to develop new products and enhance its existing ones. The company, which operates out of California and Singapore, registered revenue of US$1.5m for FYSep12, and doubled to US$3m in FY13. </span><div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Current flagship product is a balloon catheter known as the "Chocolate" PTA balloon device, which is implanted to treat peripheral artery disease, or blocked arteries in the leg. It is the first Singapore-designed device to win approval from the US FDA. </span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The company counts multi-national pharmaceutical company Johnson & Johnson, the Economic Development Board's Biomedical Sciences Investment Fund, and homegrown Juniper Capital among its major shareholders. QT Vascular is working with UOB Kay Hian and Prime Partners for the IPO.</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b><u><span style="color: blue;">Details of IPO</span></u></b><br /></span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">The company will list on the Catalist, with a placement of 196,429,000 new shares, at S$0.28 each. This translates to about S$50 million in proceeds, less fees. <span style="color: red;"><i><b>The offering is not made public and only </b></i></span></span><span style="color: red;"><i><b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"></span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Each of Three Arch Partners, BMSIF and J&JDC intends to subscribe for Placement Shares in the </span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">Placement.</span></b></i></span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><br /></span><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br />QT Vascular will use S$5 million for commercial expansion and marketing purposes, while S$15 million will be used for new product development. The rest of the proceeds – S$30 million, will be used for general working capital purposes.<br /><br />The IPO Prospectus can be found <a href="http://www.sgx.com/wps/wcm/connect/ea5af5a7-ee40-4cae-b85d-cbdc05071633/QT+Vascular+Ltd.+Preliminary+Offer+Document.pdf?MOD=AJPERES&CONVERT_TO=url&CACHEID=ea5af5a7-ee40-4cae-b85d-cbdc05071633" target="_blank">here</a>.</span></div>
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<span style="color: blue; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b><u>Opinion of IPO</u></b></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Since you are not able to buy it before it list in Catalist, should you buy after the IPO? IMO, it's a no-no. Just look at the continued losses it has been making.</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Secondly, It doesn't even have a website!? Maybe it's only me who cannot find it though. Lastly, Biomedical technology companies similarly like Biosensors tend to fluctuate a lot based on the Patents and successful breakthrough next time. While it may work in the U.S. due to strong coverage, it may not bode so well for a rather small Catalist company like QT Vascular.</span></div>
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Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-7806938561434543949.post-9770958120713424562014-04-17T08:30:00.000+08:002015-08-25T01:29:30.482+08:00Why Money comes Later in Life...<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">If you have taken a chance to look at what my Fool.sg colleague, Ser Jing has mentioned in his <a href="http://www.fool.sg/2014/04/16/a-surprising-thing-that-great-companies-tend-to-do-that-leads-to-great-profits/" target="_blank">post</a>, You would kinda change your mindset on looking at how huge fortunes can be manifested with one word - Dream.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">In the post, he talked about how many <span style="background-color: white; color: #222222; line-height: 18.200000762939453px;">companies concentrate with a big dream be it like facebook (creating a social network for the world) or Apple (building great products with creative designs) and money will <i><b>automatically flow into their pockets</b></i>.</span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #222222; line-height: 18.200000762939453px;">On another <a href="https://www.evernote.com/shard/s2/sh/69fcbfd9-384a-49d1-a049-aa2e03718c1e/8b93e62a2139eb13eb17d5eb1e5061b3" target="_blank">article</a> by the Straits Times correspondent, </span></span><span style="background-color: white; color: #010101; line-height: 22.857135772705078px; text-align: justify;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Jonathan Kwok, he then mentioned about how some people should avoid following their passion if it does not equate to you making it big (something along the line). He concluded by saying that you should try to </span></span><span style="background-color: white; color: #010101; line-height: 22.857135772705078px; text-align: justify;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">balance your personal interests and earning ability and you will be satisfied if you are good at something.</span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmTltS1qGgZbCn9ixoR8bXarWPBgKAEVzp7tGgL4G_ECV1bw6uYhh7MFpcfviV-cI68t4lWl8nj-Bpri6_eAL-aRO2mdFXgkKBmyJXBra5asrQc-VYIW2HSDBosugNFRiNWA78FwfO/s1600/Steve-Jobs-Quote+on+dreams.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmTltS1qGgZbCn9ixoR8bXarWPBgKAEVzp7tGgL4G_ECV1bw6uYhh7MFpcfviV-cI68t4lWl8nj-Bpri6_eAL-aRO2mdFXgkKBmyJXBra5asrQc-VYIW2HSDBosugNFRiNWA78FwfO/s1600/Steve-Jobs-Quote+on+dreams.jpg" height="250" width="400" /></a></div>
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<span style="color: #010101; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; line-height: 22.857135772705078px;">IMO, I will follow the mantra by the leaders of past eras to create the future ahead for me.</span></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; line-height: 22.857135772705078px;"><span style="color: #010101;">Like what </span><span style="color: blue;"><i>Steve Jobs say, "would you want to regret living your life doing what people expect of you or doing what you love?"</i></span></span></span></div>
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<span style="color: #010101; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; line-height: 22.857135772705078px;">Which one do you find meaning in? I have heard of many success stories from the newspapers where they started off part-time and eventually generate lots of money while doing something they love as well.</span></span></div>
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<span style="color: #010101; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; line-height: 22.857135772705078px;">Body Shop is one famous example too where the founder wanted to make natural body soaps/lotions without chemicals that harm the earth. In the process of selling to millions of people, she became very wealthy as a result, a by-product from pursuing her passion. </span></span></div>
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<span style="color: #010101; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; line-height: 22.857135772705078px;">Hope this post will set you thinking for your good Friday tomorrow! I hope one day I will pursue my dreams & passion of educating the masses on how to get rich too! Cheers!</span></span></div>
fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com6tag:blogger.com,1999:blog-7806938561434543949.post-16575898577278692552014-04-13T14:44:00.002+08:002014-04-13T14:44:14.220+08:00Why You should take Brokers' Analyst Reports with a Pinch of Salt<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_5u4lVrqm4pRxAve4qXpJB3kSCoIR8lkO_rX2T-9KzDMoBfoLVng5lsRrcaZDfM9rQLkwPadlW9tgclNF7oJ1bN9QTS9xsJ_NDx-0DRuOz8SIuZvTp0Xf_eoM4icARm4E4-JkUzbe/s1600/the-wolf-of-wall-street-movie-review.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_5u4lVrqm4pRxAve4qXpJB3kSCoIR8lkO_rX2T-9KzDMoBfoLVng5lsRrcaZDfM9rQLkwPadlW9tgclNF7oJ1bN9QTS9xsJ_NDx-0DRuOz8SIuZvTp0Xf_eoM4icARm4E4-JkUzbe/s1600/the-wolf-of-wall-street-movie-review.jpg" height="145" width="320" /></span></a></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white;"><span style="color: blue; font-size: x-small;"><b>Conflicting Interests</b></span></span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white;"><span style="font-size: x-small;">If you have watched the "Wolf of Wall Street" Movie, the most significant takeaway is that people (not only stock brokers) are usually there for their own interests. When you know that a stock broker earns his pay-check by the commissions when you trade, you would have jolly well know that they will try all means to entice you to trade stocks in and out actively for their commissions to be as fat as possible.</span></span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white;"><span style="font-size: x-small;">Furthermore, they have the tendency to be slightly biased when the company is doing business with the bank they are working in too. </span></span><span style="background-color: white; font-size: x-small;">That said, <b><i>you cannot say that all of them are bad apples too</i></b>. Some of them provide us with valuable and relevant stock information that are only available/accessible to them. My stock broker is one of them, everyday he sends me the forecasts and various reports.</span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="font-size: x-small;"><span style="background-color: white;">However, ultimately I have to make the final judgement and decide whether to invest, according to my investment style. What he is doing is just to provide the information for me as a platform to filter through the stocks i want to look at. Thus, </span></span><span style="background-color: white;"><span style="font-size: x-small;">when you make money through their recommendations, you are happy and they will be happy too. </span></span><span style="font-size: x-small;">However, if things turn for the worse, you cannot blame them as they are only providing recommendations - its up to you if you want to follow; and they are protected with disclaimers.</span></span><br />
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<span style="color: blue; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>No crystal ball</b></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">When you see two different banks' analysis on a stock with different views, one say SELL, one say BUY, which one should you listen to? The following example below depicts the question relatively well...</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgK-tkb-qnrBLZiEHantwzKvhU5r1nUkgY7a8vGJZWM4FyKC73RZSWno8IC4DiFbTXZeoDDQDobl1UDn_tAbDgUYnTzFykGJE7-tu2nRKb6AjKSOb10tm4c1mYxHoj8AocO_A2aJEPf/s1600/broker+conflicting+stock+picks.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgK-tkb-qnrBLZiEHantwzKvhU5r1nUkgY7a8vGJZWM4FyKC73RZSWno8IC4DiFbTXZeoDDQDobl1UDn_tAbDgUYnTzFykGJE7-tu2nRKb6AjKSOb10tm4c1mYxHoj8AocO_A2aJEPf/s1600/broker+conflicting+stock+picks.jpg" height="158" width="400" /></span></a></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: x-small;"><span style="background-color: white;">Well, while analyst can do a detailed analysis of the firm using the same data set, different assumptions can lead to different results/outcomes. Neither one of them is wrong down here - they are just providing their viewpoint about where the stock price is going, a target price they say.</span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: x-small;"><span style="background-color: white;">All in all, the lesson here is to educate yourself if you wish to be successful in stocks investment. And there is the slogan that goes - there is no free lunch in this world. You cannot expect to just buy into all the stocks recommended and think that you will become a millionaire at the end.</span></span>fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com0tag:blogger.com,1999:blog-7806938561434543949.post-49623819904823872372014-04-06T11:00:00.000+08:002015-08-25T01:29:30.453+08:00How Procrastination is not making you Rich<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">Procrastination can have a number of undesirable consequences, such as missed deadlines, wasted opportunities and sub-standard work as a result of insufficient time. The costs of procrastination, while substantial, are not easy to quantify.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /><br style="background-color: white; color: #111111; line-height: 22.5px;" /><span style="background-color: white; color: #111111; line-height: 22.5px;">But what can be quantified – at least to some extent – are the costs associated with putting off decisions and actions when it comes to personal finances and investments. Beware of such "financial procrastination," because the price tag of needless delay in this crucial area can be steep.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /><br style="background-color: white; color: #111111; line-height: 22.5px;" /><strong style="background-color: white; line-height: 22.5px;"><span style="color: red;">Five Costs of Financial Procrastination</span></strong><span style="background-color: white; color: #111111; line-height: 22.5px;">Broadly speaking, we can classify the costs of financial procrastination in four main areas: </span><br style="background-color: white; color: #111111; line-height: 22.5px;" /></span><br />
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<li style="margin: auto;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Delays in investing
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<li style="margin: auto;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Putting off routine investment decisions
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<li style="margin: auto;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Tardiness in organizing personal finances</span></li>
<li style="margin: auto;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Procrastinating on major financial decisions</span></li>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><strong style="background-color: white; line-height: 22.5px;"><span style="color: blue;">#1 Investing Delays</span></strong><br style="background-color: white; color: #111111; line-height: 22.5px;" /><span style="background-color: white; color: #111111; line-height: 22.5px;"><br /></span></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">Delays in putting your money to work through investments can eventually end up costing you a lot. Consider the case of two hypothetical investors, Mr. <i>Invest-First</i> and Mr. <i>Play-First</i>, who begin investing $2,000 annually at ages 30 and 40 in REITs, assuming that </span><span style="background-color: white; color: #111111; line-height: 22.5px;">the annual return is 5% (rather conservative). By the time they turn 60, </span></span><i style="color: #111111; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 22.5px;">Invest-First's</i><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;"> portfolio would have grown to about $132,878, twice the size of </span></span><i style="color: #111111; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 22.5px;">Play-First</i><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;"> as Table 1 shows.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /></span><br />
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Annual Rate of Return</span></td><td valign="top" width="74"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
5.00%</span></td><td valign="top" width="64"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
5.00%</span></td></tr>
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Period (years)</span></td><td valign="top" width="74"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
30</span></td><td valign="top" width="64"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
20</span></td></tr>
<tr><td valign="top" width="197"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
Annual Investment</span></td><td valign="top" width="74"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
$2,000</span></td><td valign="top" width="64"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
$2,000</span></td></tr>
<tr><td valign="top" width="197"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
Total Investment (I)</span></td><td valign="top" width="74"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
$60,000</span></td><td valign="top" width="64"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
$40,000</span></td></tr>
<tr><td valign="top" width="197"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
Total Value (V)</span></td><td valign="top" width="74"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
$132,878</span></td><td valign="top" width="64"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
$66,132</span></td></tr>
<tr><td valign="top" width="197"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
Growth (V – I)</span></td><td valign="top" width="74"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
$72,878</span></td><td valign="top" width="64"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">
$26,132</span></td></tr>
<tr><td valign="top" width="197"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><strong>Cost Of Procrastination</strong></span></td><td valign="top" width="74"></td><td valign="top" width="64"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><strong>$26,746</strong></span></td></tr>
</tbody></table>
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Of course, the fact that </span></span><i style="color: #111111; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 22.5px;">Invest-First</i><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;"> invested an additional $20,000 over 10 years accounts for part of the difference in the two portfolios. But a substantial part of the difference – or $26,746 – can also be attributed to the compounding effect of the $20,000 for the additional 10 years that </span></span><i style="color: #111111; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 22.5px;">Invest-First</i><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;"> </span></span><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">has been investing. </span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">Another way of looking at this from </span></span><i style="color: #111111; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 22.5px;">Play-First</i><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">'s viewpoint is that this $26,746 in incremental growth represents his "cost of procrastination" for the 10-year period (recall that he commenced investing at age 40, rather than at 30).</span></span><strong style="background-color: white; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 22.5px;"><br /><span style="color: blue;">#2 Putting Off Investment Decisions</span></strong><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">Putting off investment decisions until the market "improves," or consciously delaying investing in a bid to "time the market," can also cost thousands of dollars over the long term. Many professionals view market timing as an exercise in futility, primarily because missing the market's best days can erode returns significantly. <i>(Personally I am guilty of this too!)</i></span><br style="background-color: white; color: #111111; line-height: 22.5px;" /><br style="background-color: white; color: #111111; line-height: 22.5px;" /><span style="background-color: white; color: #111111; line-height: 22.5px;">One study shows that $10,000 invested in the S&P 500 on January 1, 1980, would have grown to $121,029 on June 30, 2008. But if the investment missed just the 10 best-performing days for the index over this period, it would have only grown to $70,745 or about 42% lower.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /><br style="background-color: white; color: #111111; line-height: 22.5px;" /><span style="background-color: white; color: #111111; line-height: 22.5px;">Another study shows that $10,000 invested in the S&P 500 for a 30-year period from January 1, 1979 would have grown to about $229,000 by December 31, 2008, or an 11.0% annual rate of return. Missing the best 20 months over this time-frame would erode the value of the investment to approximately $42,000, or 4.9% annually.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">Sometimes, the best way out can be the easiest way too. And that </span></span><span style="background-color: white; color: #111111; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 22.5px;">one solution would be to make periodic investments through an automatic plan (we term it as dollar-cost averaging) rather than through a lump sum </span><span style="background-color: white; color: #111111; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 22.5px;">to avoid missing out on days when financial markets are on a red-hot streak.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8-FUgFqnuysuXOOCvMOIp13jNYl45OhWswk9EQM5C_zekWBavJSPqvQmwLrMeD-NPUEslzKPWQyYMM5fwR-0T1iCK0xehJbbYaPmeHGmWP6XZfv8TE_WbHj1X1PP9ymCLXJ8nF5WI/s1600/financial+procrastination.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8-FUgFqnuysuXOOCvMOIp13jNYl45OhWswk9EQM5C_zekWBavJSPqvQmwLrMeD-NPUEslzKPWQyYMM5fwR-0T1iCK0xehJbbYaPmeHGmWP6XZfv8TE_WbHj1X1PP9ymCLXJ8nF5WI/s1600/financial+procrastination.jpg" height="260" width="400" /></a></div>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><strong style="background-color: white; line-height: 22.5px;"><br /><span style="color: blue;">3. Tardiness in Organizing Personal Finances</span></strong></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><strong style="background-color: white; color: #111111; line-height: 22.5px;"><br /></strong><span style="background-color: white; color: #111111; line-height: 22.5px;">Getting your financial house in order is a vital area that may tend to get overlooked in the hustle and bustle of daily life. In some cases, this tardiness may have a direct </span>opportunity cost<span style="background-color: white; color: #111111; line-height: 22.5px;"> - for example, a $50 gift card that you delayed using for two or three years until it was well past expiry. In other cases, procrastination may have a relatively minor effect at first, but may have a cascading impact that gets magnified over time.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /><br style="background-color: white; color: #111111; line-height: 22.5px;" /><span style="background-color: white; color: #111111; line-height: 22.5px;">One popular example, would be the tendency in delaying paying of bills and incurring late charges or interest costs. On top of these financial penalties, it may also lead to a bigger impact to one's credit profile and </span>credit score<span style="background-color: white; color: #111111; line-height: 22.5px;">.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /><br style="background-color: white; color: #111111; line-height: 22.5px;" /><span style="background-color: white; color: #111111; line-height: 22.5px;">A couple of minor bills that you never got around to paying can eventually end up as a red flag on your credit report. Lenders who view your credit report may then view you as a higher-risk borrower, and charge you a higher interest rate to compensate for this perceived greater risk. </span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">This can result in thousands of dollars in higher interest costs for big-ticket items such as a house or a car, a steep price to pay for procrastinating on a couple of bill payments.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><strong style="background-color: white; line-height: 22.5px;"><span style="color: blue;">#4 Procrastinating on Major Financial Decisions</span></strong><span style="background-color: white; color: #111111; line-height: 22.5px;"><br /></span></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">While the preceding cases can cost in the thousands, procrastinating on major financial decisions can ultimately cost you the most.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /></span><span style="background-color: white; color: #111111; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif; line-height: 22.5px;">Procrastinating on major financial decisions may lead to a number of pitfalls such as:</span><br />
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<li style="margin: auto;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Making hasty decisions without adequate research
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<li style="margin: auto;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Having insufficient time to read and analyze the "fine print" in contracts
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<li style="margin: auto;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Not having adequate insurance coverage or assets in times of need</span></li>
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Buying an overpriced condo without assessing its investment merits; being unaware that one's adjustable-rate mortgage will reset to an interest rate that is twice the </span>teaser rate<span style="background-color: white; color: #111111; line-height: 22.5px;">; being struck down with a debilitating illness when one does not have long-term disability insurance. </span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">These are all examples of unfortunate financial situations that can wipe out a massive chunk of one's bank balance and net worth. However, doing one's homework and taking prompt action can help avert or at least mitigate these losses.</span><br style="background-color: white; color: #111111; line-height: 22.5px;" /><br style="background-color: white; color: #111111; line-height: 22.5px;" /><strong style="background-color: white; line-height: 22.5px;"><span style="color: blue;">Conclusion</span></strong><span style="background-color: white; color: #111111; line-height: 22.5px;"><br /></span></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #111111; line-height: 22.5px;">Time is indeed money when decisions have to be made and actions taken with regard to your personal finances and investments. In this regard, prompt action needs to replace financial procrastination, since the costs associated with the latter can be very steep.</span></span><br />
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<span style="background-color: white; line-height: 22.5px;"><span style="color: #111111; font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Hope you like my post! You can receive more regular updates by "Like"-ing my facebook page at <a href="http://www.facebook.com/kissinvesting">www.facebook.com/kissinvesting</a>. Thanks & HUAT AH!</span></span>fqfeqhttp://www.blogger.com/profile/04752931088438842728noreply@blogger.com2