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Bought Some Stocks Today

Today I managed to convince myself that STI is now at its lowest period, and it's time to stock up on some cheap bargains, it's like buying Christmas presents for myself ;) But of course I didn't just convince myself without reading up, the US Federal Reserve will either continue their bond-buying program or reduce a bit, what I read is from $85 billion a month to $75 billion a month, $10 billion difference, actually it's just a fraction of their GDP, their GDP growth far exceeded $10 billion a month, I don't think it will have a huge impact, they can't keep printing money forever, they got to at least slow down their pace since their economy is improving, this tapering will come sooner or later, might as well come bit by bit, that's why they called it "tapering", it's meant to be gentle to everyone. If you are wondering about the meeting, it starts tomorrow, can refer here , and it lasts until 18 Dec . Anyway, I bought 2 more lots of She
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Venture (V03) Closed at $7.75

As mentioned in earlier post on 06 Dec , when it drops to $7.50, it always have the tendency to go up again, I have seen this pattern a few times in recent months, today it actually closed at $7.75, unfortunately my cash was limited and Venture is one expensive counter so I didn't buy it, almost $200 easy money, that's why investing is also about having a deeper pocket, more cash means more bullets to expend, small-timers like me can only suck it up. The other good thing about Venture is they pay a good amount of dividend, even at $7.75, the last payout also yielded 6.451%, better than the likes of SingTel and Starhub, but of course don't buy just for the dividend, buy if you believe in their business.
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Inflation Kicking In

KFC 3 pieces chicken meal is now $9.50, it was $8.80 or $8.95 about 2 weeks ago, western food chicken chop used to be $5, now $5.50, tailor-made pants used to be $88 for 3, now $130 for 2, things just keep getting expensive, the increment that I got for this year is just nice to cover the inflation; my increment was about 5%. I think one good way to fight inflation is to try and save money whenever possible, spend only on necessities, save now for the future, some people might say I'm not going to bring all the money into my grave but I can always leave it to my loved ones.
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Potential Promotion Coming

Today my boss sent me an email and cc his boss, it was regarding a new project tender and he put me up for the team lead position, I was quite shocked because I'm supposed to do a tender presentation but I have no idea how that goes about, the other thing was that he is pushing me as team lead, wow, I don't know if I can take more responsibilities, but if my company increases my salary for that then I think it is still ok, who doesn't want more salary, but if they are going to give me more things to do without any pay increment, then it really sucks, then again, I still have to take it, I still like this job so far.
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STI Index at 3 Month Lowest

I think it's scheduled for a rebound, obviously, but the question is when? At current prices, a lot of stocks are very attractive, especially REITs, look at Sabana, its yield is 8.7%, even my CDL HTrust has broken the 7% mark. Also my Sheng Siong is now back to 5% yield. I'm thinking of buying 2 more lots of Sheng Siong and 4 more lots of CDL HTrust, damn glad I didn't do so earlier this week because the prices have been going down, wonder what will happen tomorrow, there seems to be a sign of recovery at the end of today but it went down again, I think tomorrow will either stay flat or continue to plunge. I'm also looking at SPH, today it closed at $3.96, anything below $4 is attractive to me because it has the potential to reach $4.20+, and the dividend is good at more than 6%. Sigh, I only have about $8000, or maybe $8200 max, limited cash, limited choice.
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DBS Vickers CPF Investment Account Interest (Update)

In my last post , I mentioned that the monthly interest for the account was 0.0008%, which is wrong, I noticed that sometimes I get slightly more, then today I took a closer look at my investment account statement and found that they actually stated that the interest rate is 0.05% per annum, which comes to about 0.00416% per month, I think that made sense, I didn't verify though, it's like pieces here and there and would probably give me a headache doing so, anyway good to know they pay more!
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44 Years Since the Last Riot in Singapore

It's all over the news, riot in Singapore, wow, in Singapore, I bet everyone thought this will never ever happen (again) on this tiny dot, I did and it happened while I was at home watching The Fellowship of the Ring . So when was the last riot, according to this Wikipedia page , the last one was in 1969, and some people decided to break our decades of peace. They even set fire to a couple of vehicles, including a police car and an ambulance, but why the heck would they burn an ambulance? They must be out of their minds, well somehow I'm right, because according to news reports, the rioters were drunk and throwing beer bottles. But the thing is, I don't really care what started the riot, what shocked me was that these people actually had the guts to do something like that here in Singapore, this is Singapore. Drunk or not, we have drunk people everyday but we don't see riots everyday, those who started the riot must be severely punished by handing them the maximum pun
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This December is a Month of Sudden Rains and Cold Nights

I noticed that the rain nowadays comes so suddenly, last week me and my wife walked into the lift at our housing estate, the sky was clear with sunshine, and it was barely one minute after we reached our level, then it started to rain heavily. Today we went for lunch, the sky looks clear, a bit dark but I didn't think it was going to rain because it rained last night, when we finished our lunch, it suddenly rained heavily, luckily we dined near where we live because we didn't bring an umbrella. And the weather is getting colder, I haven't had a flu for a long time but yesterday it got me, but I think I'm recovering very fast, the flu is mostly gone now, I think because I work out quite often, good to have a strong body to withstand this kind of unpredictable weather. The water that comes out of our tap is also cold, especially during shower, the water is chilling.
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Complain Complain Complain

Sometimes I feel that the people here are not very nice, I feel that people here are always in a rush, so much so that they forget to be nice to people, for example, people always like to cut into my path, I know it's very obvious I'm walking this way, but some people will deliberately quicken their footsteps just to cut across, I usually just give way to them, I think out of 10 times, only 1 or 2 times people gave way to me. I'm also always in a rush, rush to work, rush home, rush everywhere, but I don't cut people's path because I know it's really annoying. Some extreme cases are when some people totally don't want to give way, they will even go as far as to walk with a "bump into me if you dare" kind of style, of course I don't bump into them, I avoid them, what's the point of them trying so hard to gain that ego point, don't understand. And also when walking on a narrow path, obviously at most two or three person can walk side b
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What Stocks to Buy Now?

On 04 Dec, SGX suddenly plunged, most of the counters that I am following become cheaper, thinking of buying Sheng Siong and CDL HTrust to average down, planning to buy 2 lots of Sheng Siong, and maybe 4 lots of CDL Htrust. Next Tuesday I will have $6919.72, I top up another $1600 then should be enough. There are also other stocks that I would buy if I have more money, like KepLand, Cache, Lippo Malls, Sabana, Venture, M1, all these should rebound later on, if I'm not wrong, have been monitoring their pattern a while now, especially M1 and Venture, once M1 hits $3.2 and below, it will always go back to $3.2-$3.3x, as for Venture, $7.50 seems to be their main support now, once it hits that price, it will always go up. By the way, today M1 closed at $3.20 and Venture at $7.52.
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My Thoughts on the Recent Protests in Thailand

As we all know already, it's Suthep versus Yingluck, so I asked my wife who she likes more, she says red shirts support Yingluck, her step-father even went all the way from Udon Thani to Bangkok to show his support, even though he was there only for 2 days. She also said the red shirts are there to make sure Yingluck don't lose. Then I remember that Yingluck and her Pheu Thai Party was put to power by the 2011 General Election , she won by 4,310,428 votes, the people voted for her, basically she won fair and square in a democratic manner, but now Suthep is trying to bring her down by getting people to storm into government offices, start violent protests, that's not democracy. The question now is, what kind of political standard is Thailand trying to achieve?
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Sold Cambridge Industrial Trust at S$0.695

Recently SGX is on a downtrend, hardly going up, 3200 seems to be very far away, not sure if there will be a Christmas Rally, so today I sold my Cambridge for a small profit of S$222.10 (inclusive of S$125.10 dividend), and right after I sold, Cambridge moved down to 0.690/0.695, lucky I sold early? Last few weeks the price was sort of stuck at 0.695/0.700, haha, everytime I do something the price will move, strange. So anyway my next step is to probably to buy more of CDL HTrust and Sheng Siong since they are so cheap now, CDL HTrust closed at 1.580 and Sheng Siong closed at 0.595, what a sudden plunge, but it's a good chance for me to average down, but not sure if I can get my money in time to buy in, the sales proceed will only be available on next Tuesday, see how.
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This Litterbug at My Neighbourhood

I used to be a litterbug when I was much younger, I would throw stuff on the ground when no one is looking, I even threw water bombs from the 7th floor, but eventually I grew out of it when I realized that somebody is going to clean it up. All the rubbish and the mess don't just magically disappear when I wake up the next morning, some cleaners start cleaning as early as 4am in the morning, when everyone else is sleeping, wonder how many people are aware of that. And cleaning is not an easy job, nobody really say it out loud but I'm sure at some point in your life, you have looked down on cleaners because their salary is pathetic, don't need any education, anyone can do, very easy, but it's not easy when it's your job, but it's always easy to stand at the corner and judge. Now back to the main reason why I started this post, just now I went to the supermarket with my wife, there was this young lad chatting with his girlfriend, he took out a stick of cigarett
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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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