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Did Some Christmas Shopping Today

Went to Tampines Mall and Century Square, bought myself a leather belt for $19 (originally $59), 2 short sleeve shirts for $37.80 (at 20% discount) and a very durable looking shoes for $49 (also 20% discount), quite a good deal. The guy selling shoes kept recommending me those $99-$100+ shoes but I told him I'm looking for durability since my shoes keep holing at the bottom, I'm a rough guy who can't walk slowly and gently so I need something strong enough to withstand the friction from my quick pace, or at least capable of lasting for more than 3 months, my shoes usually last maximum 3 months, by 2 months one hole will start to appear below the big toe area, 3 months onwards it will open mouth, those who experienced it will know what I'm saying. My wife got herself a new bag for $69, original price I think was $89 or $99. We also had a meal at Bali Thai, the food was alright but serving was small, my wife had steamed rice with beef fried with basil leaves and chi
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My Wife Got Her LTVP+

The whole process is exactly the same as LTVP, only difference is when completing formalities, they will say whether it's 1 year or 3 years, it's that simple. Well, 3 years is good, no need to keep renewing every year, can save some money. Oh and the card also looks exactly like LTVP, only difference is there is the word PLUS behind. Next is PR, still waiting for the update, hope they approve it so I can apply BTO, sigh.
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STI Opened at 308X

Today was like a roller coaster ride, opened high and then closed low at 3070.23, not that low though, at least it's still 8.45 points higher than yesterday's 3061.78, so what will happen tomorrow? Let me guess, so far the tapering issue has been finalized, the Federal Reserve have already announced the cut back by $10 billion in January 2014, markets are very fragile, they tremble at the sign of any uncertainty, the announcement should give some needed assurance to investors, furthermore, interest rate would also remain the same, so the impact to the markets is minimized, but ultimately, it's still up to investors to decide whether they should invest in Singapore stocks, can only wait and see.
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My Aircon is Not Noisy Anymore!

So yesterday I did some cleaning of my own, and it worked damn well! To my surprise the noise is gone, no more stupid clicking noise in the middle of the night, I really had a peaceful night of rest, damn shiok, woke up this morning feeling refreshed like never before, almost don't feel like leaving my bed, I also felt that the air is cooler than before. Now that I think of it, the noise could have come from poorly positioned fancoil unit, I really don't think the cleaning did the job, more like the adjustment and making sure everything is set tightly in place, I think that helped to minimize the vibration significantly and hence removing the noise completely, I don't know, that probably also helped to make it cooler, I guess?
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Now I Know How to Clean My Aircon

These few days the fancoil unit in my room was very noisy at night, there was a clicking sound and it was very obvious in the middle of the night, today I was so fed up that I unscrewed and opened up the damn thing, found that it's not that difficult to open, just 2 screws and pull out the casing from the top. It was damn dirty, especially the bladed part, so much dust was and is still stuck in there, there's no way tissue or vacuum cleaner is going to do the job, unless it is a powerful vacuum cleaner, those strong enough to even suck in water, I can only try to wipe off and vacuum as much as possible, and finally, I still remember how to put it all back, now I have switched it on, I hope whatever that I did will get rid of the noise. Anyway, for those of you wondering what those aircon cleaning guys do, for normal cleaning, what they do is bring along a vacuum cleaner and vacuum off the dust, that's it, I paid $80 to clean two units, and they didn't do a good job,
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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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Popular posts from this blog

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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