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Some People are Overly Worried about Brokerage Fees

The first time when I bought my first stock, I was also thinking too much about the fees, worried it might eat into my profits or cause me to lose more money, after a while, I realized that the charges can be negligible. Every of my buy or sell trades so far costed me around $20 to $30+, and lucky for me, I mostly see profit, and the earning more than makes up for the cost, I think I am doing okay so far, overall I haven't lost any money, yet. What I'm saying is, stock pick and going in at the right time is far more important than that $20 to $30, but of course it doesn't hurt to find a cheaper broker. I know Standard Chartered Bank offers lower charges because they do not have a minimum commission, but well, I won't worry about that. Recently read about a guy who have been losing money in stocks, he said he mainly buy because others are buying, sell because others are selling, no wonder he is losing money, following the crowd is a big mistake, if you follow the rig
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Bought 7 Lots of Cache at S$1.16

Previously bought 12 lots with CPF at S$1.165, today bought another 7 lots at S$1.16, wonder why it went down, just a while back, after they gave out the dividends, it shot up to S$1.20, maybe some people were shorting it? Don't know, but this stock looks promising to me, high dividend yield at 7%+, mainly local industrial parks with one other chemical warehouse in China. If the price don't go too high enough to tempt me into selling it, I might just hold on to it for a while.
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Created a New Blogsite to Provide Free IT Advise

In my years of being in the IT line, I have seen many non-tech savvy people, from clerks to directors, nurses to doctors, teachers to principals, they may be really good in their domain, but once they are outside of their comfort zone, technology can be quite intimidating to them. Actually technology doesn't have to be so scary if there is someone who is willing to answer whatever questions these people may have, and technology is meant to assist, not to hinder. And knowledge should be free whenever possible. So I created a simple site where these people can ask whatever they have in their mind, I hope my little knowledge and experience can help some people. You can click the following link to get there. IT Advise Singapore
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Some People are Revealing too Much on Facebook

I have come across some Facebook profiles where people display a lot of their personal information such contact number, email and residential addresses, working place, job position and etc etc, personally I think unless if you are a public figure, I think it's quite okay to reveal your work place and job position, anything else may be too much. For someone like me who is just another ordinary Singaporean, I feel that it's better to keep those information to myself, unless some long lost friend needs to contact me, they can always drop me a message, but I really feel like deleting my Facebook account since I hardly use it, I really don't find it fun at all and I have no idea why so many people can get stuck on it at work, on the train, while eating, during gathering, anywhere, anytime, even while walking! It's ridiculous. Anyway back to the topic, what I'm saying is people should try to reduce their "internet footprints", don't leave personally iden
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LTVP/PR - Particulars of Applicant's Parents and Children by The Present Marriage

When you are filling up the form for LTVP or PR application, you will see this section, I always thought because it says "by the present marriage", it means since my wife is married to me, so her parents by the present marriage should be my parents, boy was I wrong, the correct reference should be my wife's parents, not my parents! I confirmed this when I submitted my wife's PR application last month, the officer who attended to us told me very clearly that I should fill in the details of my wife's biological parents, not my parents, and I realized I have been filling in the wrong info all along! Actually when we tried to apply PR for the first time, the officer did tell me that it was wrong, but I asked since that section was referring to my wife's parents, then why put "by the present marriage" behind, I don't remember getting an answer from her and she accepted the application anyway, I hope they didn't reject the PR application because
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Singapore to Block Ashley Madison

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What's Up with the Hijab?

Today while surfing the net, I saw a lot of articles on Hijab, I don't quite understand the story, I didn't even know what Hijab was until I Googled it. So how did the whole saga start? How come our government suddenly took interest in this? I thought Muslim women have been wearing the Hijab for a long time? What's going on? Government don't allow them to wear anymore? Curious, there's just too many articles on it for me to ignore, I wonder what's going on.
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SMRT Bus Captains Can Earn Up to S$3500 a Month

Source I think S$3500 a month is more for experienced drivers, for new drivers probably will be lower because the new salary scheme is a progressive model, something like grading, higher grading higher salary, and of course higher grading means more experienced, and I think new drivers will surely start at the bottom of the hierarchy, so I don't think S$3500 a month applies to every of their drivers, furthermore, this amount is inclusive of overtime pay, allowance and incentives, which technically makes it even more unlikely for every driver to earn that amount. Of course I think it's a good thing for Singaporean bus captains to be able to bring home more money, it will also help to retain and attract more local drivers, with higher salary and a progressive career model, I think it's appealing even to younger people, so overall the idea sounds good. But I'm wondering where will all the money come from? I'm sure we will be expecting a fare hike announcement in th
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On Standby Thanks to Anonymous

Today my boss informed me that I will be on standby in case Anonymous decides to do something funny, great, now I have to be on mobile phone standby, anything happens I may be activated to go check our server stuff, damn, why me, there's like two other guys who can do it too and these days I'm quite busy with a new system implementation and production support for another system, I sure hope nothing spectacular happen, or even if something does happen, better not be our system! I find it quite amusing that one video can cause everyone to be on high alert, we don't even know whether the video is real or prank, but better to be safe than sorry I know. The person or group who produced it sure have a lot of guts to issue a threat to our government, I think here in Singapore, we have incredibly strict laws, this kind of threat will be taken very seriously, see even our PM is getting serious , "Our IT (information technology) network, the Internet, our communications hav
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Woohoo! Tomorrow No Need to Work!

Last Saturday was Deepavali, for people like me working on a 5 days week, we get one day off in lieu, so I choose to clear it tomorrow. I'm still thinking of where I should bring my wife, should I bring her to eat BBQ at Chinatown or bring her to eat chicken rice and then go to Sheng Siong, hmm... And these few days, it's all about the Anonymous threat , our company has ramped up cyber security, updating patches, installing new security solutions, getting people on standby, lucky I'm not in the IT security line, I'm just someone who implements business solutions, security is none of my business, we leave it to our security team. And now I know why they choose 5th November, it was the day when Guy Fawkes was arrested for the Gunpowder Plot , and the Guy Fawkes Mask is the mask used by Anonymous in their videos. I wonder what they will do in Singapore, I sure hope they don't cause too much damage, just do their usual deface thing and that's it, if they hurt
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Long-Term Visit Pass - Plus (LTVP-PLUS)

http://www.ica.gov.sg/news_details.aspx?nid=12665 Good news for those of us who cannot get PR for our beloved spouse, because the Singapore government has come up with a enhanced long-term visit pass called LTVP-PLUS or LTVP+. I'll sum up the key points in the FAQ provided by ICA so you don't have to go through one big page. Do let me know if I missed out anything or correction is required by dropping a comment. GENERAL LTVP+ will be in effect from 01 Apr 2012. LTVP+ holders will enjoy extended duration of residency, public healthcare subsidies and easier access to employment. No separate application required for LTVP+; an application for LTVP will automatically include your spouse for LTVP+, if eligible. LTVP applications submitted from 01 Feb 2012 will automatically be considered for LTVP+. The first approved LTVP+ will grant 3 years residency and subsequent renewal will be 5 years. Current holders of LTVP will be considered for LTVP+ on next renewal. If holde
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How to Marry a Thai in Singapore

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You should refer to here -  https://www.rom.gov.sg/reg_info/rom_marriage.asp Please spend some time to go through and understand the information on that section (legal provision, other information, filing of notice, solemnization and etc), if your still not sure, feel free to drop a comment here or you can use their FAQ . The ROM website did a really good job of putting together the information that you need in a well-organized manner. I've done it once and I think the guide is very easy to follow. The only hiccup I've had with my marriage is during the  Appointment for verification & Statutory Declaration where both of us were required to read out a wall of text and my wife had difficulty getting past the first few lines and the counter guy got fed up and told my wife to stop. Definitely my oversight as I didn't arrange for an interpreter beforehand but luckily, there was a licensed interpreter at the scene and we managed to get her to do the interpretation fo
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Commission Calculator for DBS Vickers SG Stocks

Made this little tool to help me calculate the costs of buying or selling a stock, just enter number of shares and price and it will show both buy and sell costs at the same time. Can even choose by cash upfront, online or phone and it will calculate using respective rates. Cash Upfront ONLINE By Phone Shares: Price: Value: Commission: Clearing Fee:
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