11 Commandments of Negotiating

I am in one of my decluttering moods, and came across this from David Goldwich. I think he came to our company for a talk and I kept this piece of paper from him. I thought I should just write this down on the blog instead of keeping the paper and sharing with all of…

Top up Special Account and Medisave

What did I do on the first morning of 2018? I went online to top up my CPF Special Account and Medisave. See my post last year for the steps. I actually went back to that post for links and did it quickly. Note that the cap for Medisave in 2018 is $54,500, and the…

End of the year – what am I up to?

I have been quiet for a while now, mainly because I felt that I have shared whatever I wanted to share. This blog also helped me save time when friends asked me similar questions. I just point certain blog posts to them, haha! It is coming to the end of the year. Looking back, 2017…

Getting investment ideas from The Industries of the Future

My boss gave me an interesting book to read. Written by Alec Ross, The Industries of the Future explores the various industries that will exponential growth in the future. It was an entertaining read and lots of details on how various industries will move forward and the people who will be affected by such growth….

Accrued interest from CPF funds withdrawn for property purchase

I have been discouraging my friends from using CPF funds to fund their property purchase, if they could afford to pay by cash. The main reason is the accrued interest that would be ‘charged’ to us when we sell the property. You can log into your CPF account and you would see that amount right…

Looking at construction company stocks again!

Since my last post on construction companies, some of the companies’ stocks have either run up quite a bit or have given out dividends and dropped a bit. Decided to update the indicators (as of 27 May 2017 based on SGX Stockfacts) for these companies: Companies PB PE Dividend Yield (%) Current Ratio D/E ROE…

Fixed Deposit rates are dropping…

Did a quick comparison of the current fixed deposit rates from the various banks and realised that most of the rates have fallen or remained the same. Assumptions: Capital of $25k Term: 12 months *Exception: promotion is for 13-mth term. Bank Min Sum (SGD) Interest rate (%) Actual return based on $25k (SGD) OCBC 20k…