tag:blogger.com,1999:blog-32220831853547596272024-03-13T11:13:43.868+08:00A peek into an oddball teen's mind.A Singaporean teen musing about his own interpretations of the red zone that most people avoid during family gatherings. FINANCE.Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.comBlogger40125tag:blogger.com,1999:blog-3222083185354759627.post-78437485395824443662016-12-13T17:14:00.002+08:002016-12-13T18:02:30.318+08:00It's been a long time"It's been a loong day , *inserts lyrics to the tune of see you again* "<br>
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Anyways , 好久不”见“!Of late i've gone on a short personal vacation where i've caught up with people i need to catch up with , cleared my backlog of work , and taken time to do some R&R , chill and drinks sessions with friends.<br>
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I've got about an hour to kill before my dinner appointment , so might as well do a wrap up post and short portfolio update to remind myself for 2017 eh?<br>
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Before posting the pie chart and prolly what's in my watchlist for the next year , i might just do a quick reflection of 2016 so far , i think the main takeaway point of this year came from a conversation i had with a friend a month back , when i was lamenting on my happiness level. I mean , from anyone's standpoint , my investment returns this year was decent by any standard lol , but i got bored during halfway this year when the market slowed , i was basically watching sgx on one screen and hk or ang mor drama on the other !<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhA3DoPNy3k5ar0clogimXsExxBwySnnDBZ0B3Baorfuc2cAhbO6y_fndsYwY8KBRRGGuXlVxGeK25P3PwHBmtyIGLpzbuD_-DCfFcS9twpdemZfYHhy4DZJjgkWR8ugtXEj5iQD7nGjh8/s1600/e07b807b1cdc72b66c65c88e2ff2a5549b2809f3b380676d20c32e1028c9cd32.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="174" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhA3DoPNy3k5ar0clogimXsExxBwySnnDBZ0B3Baorfuc2cAhbO6y_fndsYwY8KBRRGGuXlVxGeK25P3PwHBmtyIGLpzbuD_-DCfFcS9twpdemZfYHhy4DZJjgkWR8ugtXEj5iQD7nGjh8/s320/e07b807b1cdc72b66c65c88e2ff2a5549b2809f3b380676d20c32e1028c9cd32.jpg" width="320"></a></div>
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This friend pointed out the crux of my problem to me. <span style="color: red;">I AM NOT THE TYPICAL Full/Part Time investor! I'm a chapalang (dependent on mood) kind of investor</span> , my expertise is in arbitrage and trading (as in real world non-capital market type of trading) , i didn't realise it until he pointed it out to me! 80% of my income is dependent on my goods and services trade while the other 20% comes from the occasional trade or two in the capital markets !!<br>
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With that finally settled , my year went better from then on! I still enjoyed my dramas and watched the sg market every now and then , but at the same time i started running around and learnt the ropes on how to tender for certain projects etc etc<br>
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Blah Blah Blah , my 2017 should be a GOOD <span style="color: #38761d;">HENG ONG HUAT</span> year la .<br>
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As per pie chart below , i did some housekeeping.<br>
1) I disposed of my small small M1 holdings off at a loss , lucky cut loss , next week toh leh.<br>
2) My Sheng Siong is a staple , has been there since day 1 , i sold off 10% , which means the remaining 15% is free la essentially ( I Like FREE STUFF!) - Ok la reason being i wanted a little bit less exposure to this side and allocate more to my other counters.<br>
3)Soilbuild REIT remained unchanged<br>
4)Sapphire corp - Interesting one , this was the counter that i constantly recycled lol , i sell and buy back at a lower price range , still shining green. ( I see potential in this counter for the series of rail projects and infrastructure projects in SEA for the next 5 years) so i increased my holdings by a bit.<br>
5) Silver bullion has also been another staple of my portfolio , i tend to buy a bit when i have spare cash .<br>
6)Singapore Re-Insurance has been another staple , this one is feeding a low dividend yield , already appreciated in capital since i first bought it ,<br>
7)UOB KH , sold it away for a small paper gain , anyway portfolio looks neater lol<br>
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<br>Before I end , here are some counters that I'm looking at for long term parking . Tai Sin Electric , Roxy Pacific ,Great Eastern , ICBC (HK) , Italian Thai Development Company Ltd (Thailand) .<div><br>
Ok , it's time for me to ciao , take a listen to the song la , life is short , so enjoy!<br>
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Cheers<br>
Ken<br>
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<br></div>Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0tag:blogger.com,1999:blog-3222083185354759627.post-70428570586536166752016-04-11T21:29:00.000+08:002016-04-11T21:57:42.727+08:00Boring , compounding , or is it? Good Evening!<br />
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I got this crazy (honestly .... if i find it a bit "siao" it should be quite siao la) idea that i've delayed over a year or two. Recent events such as my mum falling ill and the recent passing of my 大舅 (Mum's eldest bro) have helped cement the notion of going through with the idea.<br />
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THE IDEA in context? A family owned company which buys shares in listed companies with no or low debt and use the dividends to be reinvested together with additional capital contribution on a yearly basis.<br />
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I've attached a table below for viewing. Assuming a yield of 5% P.A. from dividends , excluding capital appreciation , aga aga results are as shown below.<br />
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FYI , my extended family is big so can do it on such a scale if not each shareholder contribution has to be larger to obtain such results.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQjSexhks5xEKPOdTdHKCstn_Ipv6AE28s4O0lwqXKvE0HAVttLqWNpWO-VZEqt9RP1svZ-oEzOwtFI-HvXehEdjNHjjfQ7qfFqVxZn8DqvKO4siWXEkCbZb_ThrRSmbVX9aFFmyF8apM/s1600/download+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQjSexhks5xEKPOdTdHKCstn_Ipv6AE28s4O0lwqXKvE0HAVttLqWNpWO-VZEqt9RP1svZ-oEzOwtFI-HvXehEdjNHjjfQ7qfFqVxZn8DqvKO4siWXEkCbZb_ThrRSmbVX9aFFmyF8apM/s1600/download+%25281%2529.jpg" /></a></div>
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<b><span style="color: blue;"><u>Disclaimer(s):</u></span></b><br />
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<b><span style="color: blue;">1) Chart too small don't blame me , zoom in , zoom zoom. Paiseh la , i IT. noob (I provided two snips which should help in understanding the table.)</span></b><br />
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<b><span style="color: blue;">2) This is based on $100 contribution per shareholder for 13Months! (Why 13 mths? Like working ma , need to have bonus! Kidding la , the 13th month contribution is for company expenses like admin fees ,brokerage fees, acra fees etc etc.)</span></b><br />
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<b><span style="color: blue;">3) This company has 11 directors so $100 x 12mths = $1200 x11 = $13,200 combined capital addition annually (minimum amount la , if your directors all $$$$$$$ a lot , then this amount also exponential la)</span></b><br />
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<b><span style="color: blue;">4) No money can be taken out till year 51 ah , when the company can be disbanded lol , each shareholder should get back around $263,800-ish</span></b><br />
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<b><span style="color: blue;">5) If any shareholder R.I.P or wants to sell away their stake and take back their capital , they can do so , but have to sell to their direct descendants first , if no direct descendants, then they have to offer their shares to other shareholders first , OR if no direct descendants , and with 51% shareholders approval , liquidate that particular shareholder's shares , and return him or her with the capital put in so far together with dividend payouts, excluding the 13 mth contributions.</span></b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuoISQiaa07uIKhUB4FfAlcwE63S_-NDUMAvtJNZaDaFHjQPOqg_XUzLPFUR58Qyhca1_06pPJn4gVjhc0G_l_3f0CnwQ9RkmvoUVfx-hnynYQUAg_K5ulmIVmbq1_3AD6L90G0ac2j2Y/s1600/Capture+2.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuoISQiaa07uIKhUB4FfAlcwE63S_-NDUMAvtJNZaDaFHjQPOqg_XUzLPFUR58Qyhca1_06pPJn4gVjhc0G_l_3f0CnwQ9RkmvoUVfx-hnynYQUAg_K5ulmIVmbq1_3AD6L90G0ac2j2Y/s1600/Capture+2.PNG" /></a></div>
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The aim of such a company is to provide a small safety net for my future descendants (if any) and if done properly , i guess we might end up as substantial shareholders of some listed companies LOL.<br />
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I told my mum this , and i'm gonna say it here also. This company is not for us , but for future generations when we all R.I.P liao , so that they won't eat grass.... eat ownself. It's a manageable and realistic amount to contribute especially if put on a monthly basis , provided all relatives (shareholders) can get along and the Managing Director(elected on a yearly basis via voting) does his or her job well , putting the company's best interests first.<br />
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I know some of you , if not most will say doing business with family is the hardest as conflicts if not resolved properly will lead to jialat consequences in future , but i always believed in one thing , that as a family , you will want the best for each other.<br />
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Oh ya , audio for y'all to listen to while figuring out the table.<br />
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Cheers<br />
Ah Boy (Ken)<br />
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<span style="font-size: xx-small;">Image from google, vid from youtube.</span><br />
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<br />Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com9tag:blogger.com,1999:blog-3222083185354759627.post-21434709462159815772016-03-04T19:40:00.000+08:002016-03-05T18:17:46.941+08:00When ah boy decides to play! Afterall , all work and no play makes us all bored! (NCF 2016 Public Service Announcement)Wah time flies man.<br />
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So fast one year liao ah!! It's that time of the year ah boy asks u to spend a few hours and 10 dollars to have fun la! Play game , chit chat , maybe share or learn more about finance and make more friends! <span style="color: blue;">See my post last year about it <a href="http://kgwj.blogspot.sg/2015/03/NCF2015thoughts.html" target="_blank">here</a> </span>.<br />
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Ya , National Cashflow Competition is back. Game is still the same , Asset Finesse , Venue also still the same.<br />
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<b><span style="background: aqua; color: black; font-family: "calibri" , sans-serif; font-size: 18pt;">What is the National Cashflow Competition 2016?</span></b><span style="color: black; font-family: "calibri" , sans-serif; font-size: 10.5pt;"></span></div>
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<span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 11pt;">National Cashflow Competition (NCF) 2016 is the largest annual event proudly presented to you by NTU Investment Interactive Club (NTU-IIC). This year, their organising committee is happy to introduce </span><span style="background: white; color: #212121; font-family: "arial" , sans-serif; font-size: 11pt;">a locally designed board game, Asset Finesse</span><span style="background: white; color: #222222; font-family: "arial" , sans-serif; font-size: 11pt;">™ </span><span style="background: white; color: #212121; font-family: "arial" , sans-serif; font-size: 11pt;">(AF). This board game is suitable for anyone that seeks to </span><span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 11pt;">understand the economics of Singapore, to appreciate the uniqueness of a small but economically-powerful nation. More importantly, it provides players with a fun-learning experience about finance in general.</span></div>
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<li style="background: white; color: black; font-family: 'Times New Roman', serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt;"><span style="color: red; font-family: "arial" , sans-serif; font-size: 11pt;">FREE</span><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11pt;"> Goodie Bag, </span><span style="color: red; font-family: "arial" , sans-serif; font-size: 11pt;">ATTRACTIVE</span><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11pt;"> prizes, </span><span style="color: red; font-family: "arial" , sans-serif; font-size: 11pt;">NEW </span><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11pt;">friends and </span><span style="color: red; font-family: "arial" , sans-serif; font-size: 11pt;">MANY MORE</span><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11pt;"> are waiting for you!</span><span style="font-family: "arial" , sans-serif; font-size: 11pt;"></span></li>
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<li style="background: white; color: black; font-family: 'Times New Roman', serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt;"><b><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11.5pt;">Date:</span></b><span style="font-family: "arial" , sans-serif; font-size: 11.5pt;"> Saturday, 19th</span><span style="font-family: "arial" , sans-serif; font-size: 7pt;"> </span><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11.5pt;">March 2016</span><span style="font-family: "calibri" , sans-serif; font-size: 11pt;"></span></li>
<li style="background: white; color: black; font-family: 'Times New Roman', serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt;"><b><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11.5pt;">Time:</span></b><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11.5pt;"> 0930h to 2000h</span><span style="font-family: "calibri" , sans-serif; font-size: 11pt;"></span></li>
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<span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11.5pt;">A <u>mass training session </u>will be conducted for all participants one week before the actual event day.</span></div>
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<li style="font-family: 'Times New Roman', serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt; text-align: justify;"><b><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11.5pt;">Date:</span></b><span style="font-family: "arial" , sans-serif; font-size: 11.5pt;"> Saturday, 12th <span style="color: #282828;">March 2016</span></span></li>
<li style="font-family: 'Times New Roman', serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt; text-align: justify;"><b><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11.5pt;">Time:</span></b><span style="color: #282828; font-family: "arial" , sans-serif; font-size: 11.5pt;"> 0930h to 1200h (Secondary School Category), 1400h to 1700h (Tertiary/Open Category)</span></li>
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Nah , all the details as per above. I received this in my email inbox , and am sharing this with y'all ah. Not paid job.... lol so don't complain i copy and paste :p<br />
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<span style="background: rgb(255, 254, 254);">ANYWAYS R</span><span style="background: rgb(255 , 254 , 254); font-family: "arial" , sans-serif; font-size: 11.5pt;">egistration Link: </span><a href="https://goo.gl/BgLrNZ" style="background-color: white; color: blue; font-family: 'Times New Roman', serif; font-size: 12pt;" target="_blank"><b><span style="font-family: "arial" , sans-serif; font-size: 11.5pt; text-decoration: none;">https://goo.gl/BgLrNZ</span></b></a><br />
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<span style="font-family: "arial" , sans-serif; font-size: 11.5pt;">Registration Deadline is 7th March 2016<br /><br />Ps. If you see me there , say hi eh?<br /><br />Cheers till then.</span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 11.5pt;">Ken</span></div>
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Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0tag:blogger.com,1999:blog-3222083185354759627.post-7107521495480776262016-03-02T04:31:00.001+08:002016-03-02T04:31:54.724+08:00Hired.....Part 1 of being a employee?Yo ! Morning all<br />
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I'm writing this short blog post as part of my insomnia routine. Kidding la , kidding. I just happen to be awake at this hour. So as most people know , usually as students , we get to undergo internships . I did my stint with a local sme . After ending the internship , the fine peeps over @ Xpresstuition made me an offer i couldn't refuse , as most of y'all might know , ah boy is pretty happy being a business owner and i kinda enjoy my current life lol.... so if you were to get me to be an employee that goes into office from 9 to 6 ..... i think i would go NUTS lol.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8HYM-AwSza4ohLghbb8Rjo9ho1IGUY129FNk-s7bK82B55QDq5g945gS3rfZgUMYV2LOfBeICPT2ELAWqyO1roOv2hc_Y9WODMAkghSMN-Z5MNnEqiJcDzhFx0s3xM-xYkOA618i1pNg/s1600/download.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8HYM-AwSza4ohLghbb8Rjo9ho1IGUY129FNk-s7bK82B55QDq5g945gS3rfZgUMYV2LOfBeICPT2ELAWqyO1roOv2hc_Y9WODMAkghSMN-Z5MNnEqiJcDzhFx0s3xM-xYkOA618i1pNg/s1600/download.jpg" /></a></div>
Yeah , so when they offered me to head up their new business development department , i was pretty happy la (OK LA , I WAS PRETTY EXCITED lol , from intern getting promoted!! ) Ya la , long story cut short. The low down was that i'm exempted from going to office daily , and that i get to interview and form my own team. Good news was that management agreed. Problem was that i had no idea of how to interview people!! I mean when i hire employees , i could hire them as it's up my alley , i know the stuff that i need (pun intended) . Now,being in a totally new market , i didn't know what qualifying criteria and expectations i should have. So i did market research on my future competitors and also on the business team that they have.<br />
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I noted that most have a large team but their organisation structure seems a bit loose , such that their teams are not able to react as efficiently as a nucleus team , my original intention was QUANTITY , but now my focus has switched to QUALITY. As long as the people that are working with me are competent , that's all that matters. I've attached the link for the presentation that helped me on a HRM crash course <a href="http://www.slideshare.net/roislecx/io-chapter-5" target="_blank">here</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEi8CSYvMaUETCrw24eudznEYrqI0nxV63NwVri6q5mmTBjPnmpIHrddYZAGdZgT5C_SbEKtUal__fvKw3DA2j5VSRpou7_S9UVj0DxEmyLC-_-mUhku5fxjKwgSvXnRrujiiX1bwiS3c/s1600/io-chapter-5-40-728.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="238" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEi8CSYvMaUETCrw24eudznEYrqI0nxV63NwVri6q5mmTBjPnmpIHrddYZAGdZgT5C_SbEKtUal__fvKw3DA2j5VSRpou7_S9UVj0DxEmyLC-_-mUhku5fxjKwgSvXnRrujiiX1bwiS3c/s320/io-chapter-5-40-728.jpg" width="320" /></a></div>
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I'll have to interview candidates later in the morning... wish me luck? lol <br />
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Cheers<br />
Ken (Ah Boy)Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com3tag:blogger.com,1999:blog-3222083185354759627.post-10830235951026164412016-02-23T13:58:00.001+08:002016-02-23T13:58:14.579+08:00I'm Unemployed!!!! For a day that is.Yo !<br />
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Ah Boy is finally "UMEMPLOYED" !! Funny leh , unemployed and yet i'm so happy.... i know what you must be thinking... this ah boy siao liao ah? For me , being unemployed is one of the happiest thing that has happened to me , because i've finally graduated from my studies!!<br />
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Damn , after endless nights of nightmares , i finally turn from full time student to .... unemployed.<br />
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Well for my off day , i decided to KLKK ( Hokkien for walking around ). An acquaintance alerted me to a news article a while back in the papers , with a portfolio shown every week done up by CFA professionals as part of a moneysense <a href="http://www.mas.gov.sg/News-and-Publications/Media-Releases/2016/CFA-Society-Singapore-SGX-and-MoneySENSE-jointly-launch-the-Save-and-Invest-Portfolio-Series.aspx" target="_blank">initiative</a> , a short 2 hour seminar will be held every 2 monthsor so ba. I also managed to meet up with my accountant , to settle tax issues (Remember to file your taxes soon ah! ) and also to do a bit of business reorganisation as part of my portfolio review.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlsO_oe_n2r5eoc8E0uw_TMRxOGDPeh6AYZoUj8pkPMndH1RyTAQjCUEYgXP3nq4-JOdq9h7NS1UWIN8pBv562UCaOoWZZUR9yGk3uXaUmYgcGDT_LzBNnut5lBp16hjEj70aQjnPZ3Mg/s1600/20160220_103858.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlsO_oe_n2r5eoc8E0uw_TMRxOGDPeh6AYZoUj8pkPMndH1RyTAQjCUEYgXP3nq4-JOdq9h7NS1UWIN8pBv562UCaOoWZZUR9yGk3uXaUmYgcGDT_LzBNnut5lBp16hjEj70aQjnPZ3Mg/s400/20160220_103858.jpg" title="" width="221" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiekBxGdLefHf8HvC3qXULnb_fyWJzAGOiuwjtNiolePX4vsVSjbi5YcK7gn0CDtA29tZmwflrKR_a6eA5kHC-my8JQaDGQwuWhUUhTnBXh6iieAmvHRGQADgokjbDReEc2ZRiyn9KSaF0/s1600/20160220_102823.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiekBxGdLefHf8HvC3qXULnb_fyWJzAGOiuwjtNiolePX4vsVSjbi5YcK7gn0CDtA29tZmwflrKR_a6eA5kHC-my8JQaDGQwuWhUUhTnBXh6iieAmvHRGQADgokjbDReEc2ZRiyn9KSaF0/s400/20160220_102823.jpg" width="225" /></a></div>
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For the most part , the seminar focused on enforcing or rather instilling the discipline that young investors would probably need and also emphasized that regular portfolio reviews are required no matter what stage of life you're at as the markets are always moving!<br />
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Moreover one of the Qns posed during the Q&A session made me think a bit more.... would buying preferential shares = buying a bond ? In fact i think buying pref shares might be a bit more "bang for the buck " especially in Singapore where the major list co.s with links to Txxxxxxx would be similar to a AAA Bond? Also it provides for more liquidity and maybe a smaller capital outlay and be more accessible to the regular retail young investor as compared to maybe the Singapore Savings Bond (SSB) or other SGS bonds??<br />
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Please feel free to comment and air your views in the comments below.<br />
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Cheers<br />
Ken <br />
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<br />Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com6Singapore1.352083 103.819836000000010.84135999999999989 103.1716425 1.862806 104.46802950000001tag:blogger.com,1999:blog-3222083185354759627.post-15779966207461973352016-01-16T11:17:00.001+08:002016-01-16T11:26:23.919+08:00Will? Trusts? Assets? What to do when you before you depart this world? For the young , the middle aged and the seniors.Ya. The post is sombre la. I've just lost a relative today . R.I.P.<br />
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This post is sort of a self reminder for all of us and most importantly me. A few close friends and acquaintances know this , the others don't. I went into hospital twice last December. When i was in there , on the hospital bed i actually told my mum where i has stashed my "will" , together with my list of things i wanna do but couldn't do.... my bucket list. Then she told me : " Choy , don't anyhow say" etc etc. <br />
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I explained to her my rationale of writing up my "will" and other stuffs so that :<br />
1) I would have less regrets should i leave the world then.<br />
2) I would know that they would be taken care of as per my asset / beneficiaries allocation.<br />
3) Lesser chances they would contest aka fight aka turn me over in my grave.<br />
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I've a will that is going to be valid once i turn 21 , with my lawyer. (Oh ya , irritatingly , below 21 can't do a legally binding will wor! @#@ , i can run start-ups , but cannot do my own will? I can sign cheques but cannot do a legally binding will?!?) but in the meantime , I've settled my life insurance nominees , cpf monies nominees etc liao. Not say the probate laws of singapore no good or what ah. Just that i feel i wanna do things my way la , esp. if it is one of the last things that would be done should i depart this world.<br />
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I'm seriously encouraging all of y'all above 21 to do up your will at a lawyers' , fees you can nego with them , i think it's ok la considering that it's cheaper than a coffin. (this one is true ah , don't scold me) . Those below 21 , write a note, date it , put your thumbprint on it,and keep it safely tucked away in a safe , or somewhere secure , you never know when you need someone to retrieve it. It's gonna come in handy someway. Listing down all your assets , eg. your lego la , your gaming laptop la etc etc and your shares , your car . ( Insurance u have to settle with the insurers la , and cpf with the cpf board).<br />
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Also , there are other ways to preserve / disburse your wealth to your descendants or your living loved ones. Example , irrevocable trusts , living trusts , legacy plans.... etc etc , go and research on those , your lawyer / your banker should be able to shed some light on those. Otherwise , go and search for the professionals , they're there for a reason eh?<br />
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Oh ya , here's also a song for y'all to listen while y'all are thinking or researching.<br />
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Yours Faithfully<br />
Ah Boy.<br />
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<span style="font-size: xx-small;">Image from google. </span><br />
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<br />Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com4tag:blogger.com,1999:blog-3222083185354759627.post-61865795604123532122015-10-11T03:22:00.000+08:002015-10-18T18:37:15.235+08:00Portfolio?Good morning world :)<br />
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Guess i had too much coffee for lunch yesterday , some fellow bloggers , ( The more experienced ones, i noobie ma , such as ASSI AK (Old Uncle AK71) , Invest Openly (Uncle Richard Ng) ,A Path To Forever Financial Freedom (3Fs , aka Brian Halim) , and many of the likes have revealed their holdings (what counters they bought etc.) .<br />
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Ah boy did a small small pie chart on that when Uncle Rich did a web interview for me a while back , simple Q and As. I did a small pie chart to show my portfolio allocation and i think it's time to write a bit more on the stuff inside my small small portfolio , before that , let's check out the previous pie chart.<br />
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Because i run a small business , it constitutes for 30% of my investments , Investment Grade Gold and Silver Bullion constitutes another 30% of my portfolio then ( NOTE: These IGPM can be converted to cash in 24hrs? So it's also Cash and Short Term Investment , macam those list co balance sheet u know? ) Then , because mr market was pretty kind , so i had 10% of spare cash laying around to hoot anything that goes on my radar and starts blinking. Equities contributed to the rest of the 30% of my portfolio . BTW these are just aga aga percentages to give y'all a rough gauge of how my portfolio was then.</div>
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Now fast forward 6 months , this is how my portfolio looks like. : Please note in 6 mths , i set aside some additional funds into this portfolio.</div>
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Now as the bull and bear has been fighting , i decided to add a bit more cash to my investment portfolio to wait for the time to hoot. I've reduced my holdings in IGPM (Gold & Silver) slightly as the hike hasn't come , i couldn't get over the notion of owning half a basin in telok blangah , with reference to this post <a href="http://kgwj.blogspot.sg/2014/12/my-reits-pick-for-2015.html" target="_blank">here</a> . So , i bought Soilbuild Biz REIT then , as it was my gut feel. I'm sorry , i mean i really don't know how to put it but the tenant mix made me feel pretty comfortable putting my money there.<br />
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Now for the OLD TIMERS , SRIC (Singapore Reinsurance Corp) , i bought it when it was my second week in polytechnic , i remember this vividly as this was my second investment purchase for that year. This counter is SOLID , check the figures and you will know what i mean.<br />
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Sheng Siong , my average cost price is 0.49 , pretty decent considering i actually averaged up as it is a fundamentally strong counter. It also constitutes a larger part of my investment portfolio as i actually used the profits from sheng siong , i sold some along the way , and diversified it into other riskier counters. </div>
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M1 i bought some at 3.20 cts for keeping as the small small pockets of dividends it pays out , helps me offset some of my phone bills , i use M1 to pay M1 , pretty ok leh i find. Lose a bit , gain a bit la , i'm not that anal as my investment really kacang puteh one leh .<br />
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UOB Kayhian i also anyhow hantam one , hear my friend say kay hian kay hian back then , so i went to google and wah la , it is listed leh , so i just buy small small lor , ikan billis also good ma if not grouper hor?<br />
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Sapphire Corporation is my latest addition into my portfolio. For those that have read ASSI AK's blog , you would have seen the CASINO or Speculative portion of the pyramid hor? Ah ya la , the AK pyramid , if i didn't know better i would have thought of it as the nonya kueh kueh leh! Ya , the blue coloured triangle shaped kueh u know? Alamak , talk about food only i hungry =.=!!<br />
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So WHY did i buy Sapphire Corp?? My first interest for this counter was piqued when Mr X , from my previous foodie session <a href="http://kgwj.blogspot.sg/2015/01/makansessiontakeaway.html" target="_blank">here</a> . He hinted rather subtly that i might like this counter , cause the CEO is quite a character! So what i did was really oddball , even by my own standard.... i made a small small investment of X00 shares in February this year , in April , it was the AGM (Annual General Meeting) , so as a super minority shareholder i was entitled to attend but unfortunately , school work got to me. So i filled up a proxy form so i could get a relative to stand in for me to observe the crowd , management , etc. My current average price of Sapphire stands at 9.2Cts<br />
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Well , fast forward , swee swee AGM , aga aga know got EGM liao this year , i went ahead and bought some shares to park , so when it got cheaper , i consulted my accountants , (Professionals are there for a reason ! Use them!) , they did some agaration for me and said NAV bway pai , is aga aga 30 something cents wor after Ranken is taken over by Sapphire after the EGM! Put it in a not so nice way , this CEO is accounts trained , u think the people under him can smoke him? His eagle eyes see and project the growth liao , which was seen by his shareholders' letter prior to the EGM (Extraordinary General Meeting) , to be honest i've not seen a CEO writing a shareholders' latter asking for their mandate , my mandate , so for sure la , EGM 100% passed. What remains to be seen is how far this CEO takes this company under his wing and from what i see so far , i like what i'm seeing .<br />
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OH ! Oh ya! Almost forgot , beeland holdings boss was observer at the EGM lol (you can google james beeland rogers and see who you come up with?) , and AGM , i asked him , can buy or not... he gimme poker face.... idk la , maybe he hoot enuf liao then he will say , hoseh liao!! This time hoseh liao?<br />
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<b><u>PS</u></b><br />
<INVEST WITHIN YOUR MEANS AND RISK TOLERANCE, i might have a riskier portfolio allocation as time is on my side fortunately , but that being said , being prudent investors allows you to squeeze the most out of your investments , HUAT AH><br />
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Wah Damn long post , i wanna Zzz liao , ciao world , tty'all another time!<br />
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Cheers till then<br />
Ah Boy<br />
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Pictures from google unless stated otherwise. (ASSI AK picx by me)</div>
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Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000010.84135999999999989 103.1716425 1.862806 104.46802950000001tag:blogger.com,1999:blog-3222083185354759627.post-82122834111881220782015-08-11T02:35:00.001+08:002015-08-11T02:35:03.754+08:00CMC INFOCOMM LIMITED (IPO)Hi all<br />
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As y'all prolly might know by now.... ah boy doesn't blog about specific counters , but due to a special request by a few clients , i've decided to do a segment on IPOs. Specifically IPOs for Singapore (for now) and IPOs that i've taken a look at... i'm at most times , a frog in a well.... in hiding so forgive me if the news travels slower ah... the well is very deep. For those IPOs you want me to write about in my anyhow hantam way , please , pm me on facebook , leave me a comment below , or just message me if y'all have my handphone number eh :)<br />
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Ps. all the stuff below are written just for laughs.The serious stuff if you need , there is SGX , other bloggers out there for it. If you do get offended , i apologise in advance, paiseh la , ah boy here leh.... pang zui a bit ah (give chance a bit la). The stock market is a zero sum game.... hear b4 this saying? Cheers!<br />
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<b>This CMC INFOCOMM Limited ah.... this ginna (kid) caught my attention for 3 reasons....</b><br />
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<b>1) This ginna got one hell of a parent..... TEE International lor..... ever seen them around on the SBS bus adverts? TEE LAND , is this CMC de brother... sounds ok la , these relatives share prices are at the 20cts range.... on mainboard leh...i got feeling this CMC will follow its brother and its parent wor.... unlike erhem a certain fella that kenna goreng from simi 2sgd to 0.60sgd?? (sounds familiar horh?)</b><br />
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<b>2) This fella got some black magic in it is it? Or they hired some powerful fengshui master ? The last year profits HUAT HUAT HUAT till the bank also full leh..... (hmmmm they got use massage chair or not ah? wonder which brand they use if they have.)</b><br />
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<b>3) This ginna DARES to list in this environment , all the big ships oh paiseh.... big gunners in the sti becoming big cannon fairy soon leh.... and yet this guy got the guts to list....</b><br />
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<b>Ok la enuf of the merry making. Now for some simple numbers.</b><br />
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<span style="color: blue;">Expected Trading Date : Thursday , 13 August 2015 , 0900 Hrs on Catalist </span><br />
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<span style="color: blue;">IPO Price : $0.25 SGD</span><br />
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<span style="color: blue;">NOTES to share allocation issues : Available for Public Subscription , 2.4M shares. 19.2M Placement Shares , 2.4M shares reserved for Kakis of CMC Infocomm</span><br />
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<span style="color: red;">*I'm vested in this counter , by way of public offering and placement, i'm not a kaki of them fyi.*</span><br />
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<span style="color: red;"><b>Do Your Own Due Diligence</b></span><br />
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Aiya , hearsay ah hearsay , demand too many many.... my placement never get enough ....... from a little lizard on one of the CBD towers.......<br />
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Nah , still provide one song for y'all to listen to and also some useful contacts from the various brokerages houses in case y'all wanna buy but inside the toilet and cannot access the net... call your brokers lor..... Ah just in case u call cannot reach your brokers , below still have a list of some of the houses de general contact numbers obtained from uncle google , so if sala (wrong) , don't hantam me.....<br />
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<span style="color: blue;">UOB KAYHIAN (UOB-KH) : (65) 6536 9338</span><br />
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<span style="color: blue;">CIMB Securities (CIMB) : (65) 6225 1228</span><br />
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<span style="color: blue;">Maybank Kim Eng (Maybank KE) : (65) 6369 9000</span><br />
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<span style="color: blue;">Philip Securities (POEMS) : (65) 6531 1555</span><br />
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<span style="color: blue;">Lim Tan (LTS) : (65) 6533 0595</span><br />
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<span style="color: blue;">KGI Fraser Securities (KGI Fraser) : (65) 6534 5345</span><br />
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<span style="color: blue;">OCBC Securities (OCBC) : (TOLL Free number within Singapore ) 1800 338 8688 / (65) 6338 8688</span><br />
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<span style="color: red;">Standard Chart , Morgan Stanley , BOA Merrill Lynch , Deutsche Bank , UBS etc , you've to take care of yourself leh.... ah boy knowledge limited... paiseh</span><br />
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Cheers<br />
Ah boy signing off.<br />
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Oh ya... i've another post coming this week about an evening with ASSI AK part 5. (3hrs of transcript and loads of censoring.... dunno how will the post turn out. Stay tuned.)<br />
<br />Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com1Singapore1.352083 103.819836000000010.84135999999999989 103.1716425 1.862806 104.46802950000001tag:blogger.com,1999:blog-3222083185354759627.post-84950780361980771742015-06-18T04:36:00.000+08:002015-06-18T04:37:58.828+08:005 steps to improve your financial literacy knowledge<div dir="ltr">
Hi everyone , Ah boy is becoming a broken tape recorder at this rate but let's continue where i left off the last time round. </div>
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As most of us know , financial literacy levels are dipping not only in Singapore , but also worldwide. </div>
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In this post , ah boy shall explore ways that we can bring it up!</div>
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Ah boy self coins myself ah boy as I'm much younger than many of the finance bloggers out there and as such , don't expect to see ultra chim words in my blog.</div>
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Just 5 steps to improve your understanding of financial literacy or that's how i did it la , <span style="background-color: red;">not orthodox </span>at all de:</div>
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<span style="color: blue; font-size: large;">1) Pick up an annual report (AR)</span></div>
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I recall vaguely back in 2009 i first started seeing these thick "books" with lots of pictures and stuff on my then neighbour's doorstep, he was waiting for the karang guni man i assume (then where got pdf one? LOL) , now on hindsight , i think it might be due to the financial crisis then.</div>
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I remember this one very clearly , i picked up this book in the national library by chance in the reference section lol , it was the year 2011 by then and out of a rack fell a set of keppel corp's 2010 AR onto my feet...... ya it was that drama la -.-!! I picked it up , flipped thru a couple of pages and decided , hey , why don't i read it? I chose the AR over my 金庸 martial arts novel that i was supposed to be reading btw .</div>
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Since it was the holidays then and i had time to kill , i decided to in my terms munch on the "book" , i flipped through and found 99% alien language. The stuff i understood was the simple english , then i popped by the section where accounting books were stored and picked up accounting for dummies and i cross referenced stuff from there and when i found that i didn't understand stuff , it actually stimulated my thought process and i dug into other books to gain another piece to fill the jigsaw puzzle that was in front of me. Well , i sincerely thank the fella that didn't place the "book" properly after reading it eh :p </div>
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(Ps. if you're reading this , PM me :) one cuppa coffee on me! )</div>
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<span style="color: blue; font-size: large;">2) Accountancy (you don't need to be accounting trained to know how to break down a financial statement ah)</span></div>
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OK , so now you vaguely have an idea of where the company gets its money from , also you know who owns the company , but do you know how do they calculate their profits? Do you know what EBITDA mean? What about Liquidity ratios?</div>
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Ah so next part of ah boy's guide is when i went to the library to go and borrow books on accounting, from the dummy one till advanced financial reporting lol ! Ah boy tried to digest as much as i could but some things come with maturity, i shall elaborate on that more later. So when i was in Secondary 3 and my teacher started double entry in my principles of accounting class , i managed to get a few winks during those classes kekeke , come to think of it , i wasn't a very good student :p </div>
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So yea , learning accounting and having some layman knowledge is good so that if you decide to do biz in future and someone tries to "smoke" you , burn the fella on a stake instead! Sounds good?</div>
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<span style="color: blue; font-size: large;">3) Open your EYES BIG BIG ( Not asking you to be a hamsup lou ah , aka leecher , though if you see a very attractive lady or handsome hunk for my female readers , see for 3 seconds enough la , if u see longer , i worry for your eyes LOL , later become panda eyes :p )</span></div>
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After i went to the first 3 months of Secondary 3 , i started to open my eyes wider. In what sense? I began to take notice of the stuff that people carried , from the rolex submariner that my physics teacher wore to what the auntie was using to pay when they were at sheng siong , their mastercard or visa card then.</div>
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(oh ya forgot to mention , sheng siong wasn't listed and in the same year , i told my dad on numerous occasions that the towkay sure will list one kekeke , and true enuf :p )</div>
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These observations helped me form a macro outlook of the economy then , i look from bottom up one , but now i look left right centre la LOL! </div>
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Ps. i think then sheng siong tied up with diners , now also with the citibank one?</div>
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So in short , i kept my eyes peeled for companies that are listed , then was idk la , really heng or sway idk , i live in jurong so i've tons of vehicles passing by my residence daily , so out of those my eyes would usually spot those lorries and see if they are a "pte ltd" or incorporated as a "limited or ltd" firm, till this day i still do that and yea , i know of people who say i'm anal about stuff lol , i don't like a compromise la, and till this day , i can say thankfully , i know a gem when i see one :)</div>
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<span style="color: blue; font-size: large;">4) Chat more with adults </span></div>
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I'm not asking you to throw your friends aside. But just that when chatting with an adult , find out their views on personal finance and mostly the convo should roll from there .... if it doesn't just mention on XX day u went to XX bank and were Q-ing and the teller asked whether i want to open a savings acct and ask the adult should you? (Don't say ah boy don't help with the convo starters ah!)</div>
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Like back then in 2011 my dad was in the Oil and Gas industry , blue collared job , and just nice his friends are mostly from that line so sometimes he would bring me along for breakfast and i would ask his friends the O&G outlook etc. They were surprised initially that i would ask such Qns , but well , never try , never know right?</div>
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<span style="color: blue; font-size: large;">5) Take risks but don't gamble.</span></div>
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Some people i've met along the way think that share investments are a gamble but after explaining the rationale and the origin of shares , it became evident that either someone around them had lost big in the market or the news surrounding shares have been negative due to the financial crisis that still left a mark there.</div>
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LIMIT your investments to your comfort zone , my investment amount then was 1,000 sgd saved from my ang pow , so if i can , so can you! I told myself to go for dividend yield counters and limit my losses to 250sgd or 25% of my capital, I got back a decent 40% capital appreciation excluding dividends hehe , the amount i passed to a relative who helped me and along the way taught me to use the brokerage platform and how to check a cdp statement. Also , REFLECT upon your losses or gains, and envision what you could have done better.</div>
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RIP to that relative of mine and words can't express my thanks for his guidance la. </div>
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Ending notes:</div>
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This post is not intended to be an "oh ah boy is more successful and self haolian post , i'm not an ego maniac ok?"</div>
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Haha , that being said , the reason why i wrote this post is because people have asked how i started and this is my journey la , and the reason why i've not been posting is due to a close family member of mine being ill. Hopefully i can continue with more posts as she is recovering well.</div>
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Cheers</div>
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Ah Boy (Ken) </div>
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Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Jurong West1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001tag:blogger.com,1999:blog-3222083185354759627.post-24654076788902187272015-04-30T09:49:00.000+08:002015-04-30T09:53:28.686+08:00HUNTINGHi peeps<br />
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Ken is hunting , hunting for what ah? Food? Money? Drinks? Friends? NONE of the above except maybe new friends , i'm looking for fellow bloggers, or readers that have friends that are financially-savvy of various ages , it's good for me to make more friends eh?<br />
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Email me! At kgbullion@gmail.com , let's meet up for a cuppa or two , or a glass or two , whichever you might prefer!<br />
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Criteria:</div>
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1) Financially savvy (No need large portfolio one, wahahahaha , don't worry la , i won't eat ppl up one)</div>
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2)Willing to la kopi one</div>
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Cheerio<br />
Ken<br />
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Ps. stay tuned for part 2 of the most recent post on Fin-Lit knowledge in Singapore<br />
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<span style="font-size: xx-small;">Picx from google.</span>Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com1tag:blogger.com,1999:blog-3222083185354759627.post-1998618506625236322015-04-29T01:20:00.000+08:002015-04-29T01:24:14.805+08:00Financial Literacy Knowledge in Singapore. (Part 1)Hi peeps , ah boy is back with a bone to pick .... kidding la , i had my fill of bah kut teh liao (although hor on a side note, i'm still searching for a BKT that agrees totally with my palate....)<br />
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The purpose of this post is to express some of my own points , the stuff below , please take it with a pinch of salt ah , don't take it to heart ah , in case i offend any of y'all , apologies in advance.<br />
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See , quite a while back , very long ago actually ( the reason i chose to bring this out now is due to the similarity in the issue on hand) , be4 this article came out that Singapore's Fin-Lit(Financial Literacy) level has experienced the largest decline in APAC , the article can be found <a href="http://business.asiaone.com/personal-finance/news/singapore-posts-largest-decline-financial-literacy-across-asia-pacific#xtor=CS1-2" target="_blank">here</a> .<br />
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I asked a fellow blogger , a more experienced and wiser one , Uncle Rich from InvestOpenly to do a small piece on his take of Singapore's Fin-Lit state. Read the piece below and ah boy shall continue with my story.<br />
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Ps. The piece written by Uncle Rich is uncensored and uncut ah , so don't say i add salt add vinegar ah!<br />
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<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: underline; vertical-align: baseline; white-space: pre-wrap;">The Financial Literacy State In Singapore Now – My two cents worth</span></div>
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<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Hi there, my name is Richard Ng, owner of </span><span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Invest Openly (</span><a href="http://www.investopenly.com/" style="text-decoration: none;"><span style="background-color: transparent; color: blue; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: underline; vertical-align: baseline; white-space: pre-wrap;">http://www.investopenly.com</span></a><span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">) </span><span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">blog, the reason why you see my post here is because I am honored to be invited by Ken (I call him Ah Boy, so you can roughly guess how old am I ;-)) to write a guest post here. Not only that, he has given me a very serious topic to consider i.e. The Financial Literacy state In Singapore.</span></div>
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<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Personally, I view that the financial literacy progress in Singapore is on the right track i.e. there are more and more retail investors (especially those younger one like Ken) are hunting for more financial knowledge/skills through related workshops, seminars or self-study (online and offline). </span></div>
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<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Some key observation that made me feel this way:</span></div>
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<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The advertisements for personal finance related free and paid seminars/courses (especially those related investment vehicles like stocks, forex, real estate and commodities) are on the rise.</span></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Local bourse (SGX) is doing their part and trying hard to encourage more small retail investors join in the equities bandwagon by fine-tuning the rules (the most recently one is reducing the lot size from 1,000 to 100 shares with effect from 19/01/2015) and arranging more educational programs for the public.</span></div>
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<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> </span></div>
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<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 13px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Having said that, financial literacy is more of the educational or knowledge part and it does not guarantee 100% success rate in whatever you are good in. Just like the formal education, even if you scores straight As for all the subject, it doesn’t guarantee that you will get a dream job that you are looking for. </span></div>
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Ok , this is the end of part one , ah boy shall continue my nagging in part 2 , stay tuned for a bit.</div>
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Cheerio</div>
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<span style="font-family: Calibri;"><span style="font-size: 13px; line-height: 17.9400005340576px; white-space: pre-wrap;">Pic from google. Article link from asiaone.</span></span><br />
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Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com2Singapore1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001tag:blogger.com,1999:blog-3222083185354759627.post-15178446398996160242015-04-29T01:01:00.000+08:002015-04-29T01:01:23.792+08:00Silver & Gold Flash Sale?Sorry ah , i've not been blogging for about 2 weeks minimum as stuff happened (shall not elaborate too much as it is water under the bridge.)<div>
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So , i was toying with idea of a special flash sale whereby silver prices are lower than the usually low ones that i offer to my friends and clients... sounds good hor , but i still need to iron things out. </div>
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Though , there is some good news to this though , i'm planning a small sale of small gold bars as there is a hindu festival coming soon. Friends who have friends who wanna get them , you know where to find me, facebook pm me or email me , email address is below! :)</div>
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Cheers</div>
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Ah Boy</div>
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kgbullion@gmail.com</div>
Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001tag:blogger.com,1999:blog-3222083185354759627.post-37507083587312486032015-04-07T04:41:00.002+08:002015-04-07T04:52:12.393+08:00What doesn't knock you down , makes you stronger. This post is dedicated to 2 valued friends of mine (y'all know who you're) and also as a sort of a reflection for some of my younger readers :)<br />
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Ah Boy knows that stuff doesn't always go smoothly as planned , bumps along the way happen. When that happens what choice do you and all of us have but to suck it up and move on? When you look back from where you almost fell , and see how far you have climbed , remember the drive and the effort you took to get where you're and pause, pick up the pieces and continue the climb. Remember that for ever one person out there that is waiting for you to fail , a hundred others are waiting for you to excel and inspire them to do the same , so help yourself and help them , in turn by taking some alone time and sort out your thoughts and press on. The day when you know you've achieved something is when someone up on the street comes up to you and say thank you for helping them or their family etc etc in some way or another!<br />
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Ok , for the most of my readers , this should be the end of this post le . thanks for stopping by.<br />
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For this valued male friend , whom i respect , take care and contact ah boy when u are back in sg ah!<br />
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For this valued female friend of mine , i might not have known you for a long while, but idk fortunately or unfortunately , your path also happens to be like ah boy's even though you're older and wiser la , the road less travelled , but that ingenuity and that drive within you that sometimes you might fail to see is gonna kick thru someday :) So yea , soldier on and ah boy has a couple of things for you.<br />
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Firstly , a cheer you up picture of the cheer bear , i know you have a special connection to carebears so...<br />
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雨过天晴,明天又是新的一天。</div>
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Secondly , you've won yourself a 1year supply of M&Ms hahahaha , claim the first pack from me tmr ba.</div>
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Lastly , don't forget , you've good friends and family around you (applies to the rest of my readers also la) .</div>
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Cheerio, till the next time</div>
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Ah Boy (Ken)</div>
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Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000011.352083 103.81983600000001 1.352083 103.81983600000001tag:blogger.com,1999:blog-3222083185354759627.post-27298415743175977152015-04-07T04:18:00.003+08:002015-04-07T04:18:58.183+08:002 in 1 post , An evening with AK Part 2 & 3OK! Way Way Overdue review of the evening i had the chance to spend in a room with ASSI AK aka the russian gun on my blogger list that i frequent.<br />
(This russian gun knows how to taiji one! read on for more eh)<br />
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Nuff said , let us begin proper. The event was nice , both evenings had different crowds , from all walks of life. I didn't attend part 1 , so the 1st evening is part 2 ah.<br />
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<u>1st Evening (Part 2)</u><br />
Crowd enthu , simi qns also shoot ,more seasoned investors, counters and issues discussed ranged from S Chips , REITs , Biz trusts , hospitality Trusts etc etc . SembCorp , Keppy la , erhem some o&g firms la.... (those who were there sure noted buying or selling interest increase the next trading day lor! ) Some of the Qns that AK felt could be better handled , he taiji to the panelists lor!<br />
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<span style="color: blue;"><u>Some salient points from Part 2:</u></span><br />
<span style="color: blue;">i) Know and determine what you're in a stock , reit , etc , alternative investment first </span><br />
<span style="color: blue;">ii)Time your investments, trades.</span><br />
<span style="color: blue;">iii)DYODD , as emphasized numerous times by AK , don't follow the herd!</span><br />
<span style="color: blue;">iv) AK's pyramid which i find is rather practical for some of my younger readers!</span><br />
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<span style="color: blue;">Uncle AK, sorry if your arms look deformed here ah , ah boy no photography skills la. </span></div>
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So continuing with point 4 , this pyramid is made up of cash for the base , and holds the most value in AK's portfolio as it is a war chest , where he can go shopping in Mr Market's mama shop when a GFC hits (Example nia ah , dun later say ah boy say GFC coming soon , 不要害我! )<br />
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Then comes the income portion where it consists of assets that give out the milk they get frm milking the cows in their stables to the shareholders , 90% profits distribution type fall into income.<br />
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Then comes the growth stocks with DIVIDENDS (Income) . These counters retain some of their profits for future use.<br />
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Then comes growth whereby the thing in it for retail investors like ah boy is the capital appreciation thru the chiong-ing of the share prices la.<br />
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Lastly , ah boy's favorite , the CASINO!! SGX got casino one wor , somemore no need $100 for entry! Just pay minimum comms and the share price for u to start yr game! Do note , this section should not consist of aga aga more than 15%-20% of your portfolio , ah boy is quite liberal with this percentage as AK say typically this portion takes up less than or not more than his annual income via dividends which hor , for him last year was somewhere in the 100k range? Fierce hor , i know , but for the casino part , pay what u can lose , and know when to cut the losses. Why annual income via dividends for AK? Simple , so one year later , he is a 老汉again (erhem , i meant 好汉 , sorry for the typo :P )<br />
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<b><span style="color: red;">**Do note , the risk level increases as the tiers start to become smaller in the pyramid ah!**</span></b></div>
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The panelists for the first session were more of the investing bunch , idk la , but that was what i felt from the vibe , also from the crowd. We had a nice mix of panelists , value investor sean seah , ser jing , rusmin. Ak has gathered the 武林高手 , young and younger leh.<br />
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Picx missing Sean Seah from Value Investing College.</div>
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See, AK's pose macam the 高手 when he is about to strike!</div>
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<u>2nd Evening</u></div>
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Crowd was a general mix of younger working adults , at least i didn't stick out like a sore thumb la , or so i would like to think. This time around AK on the advice of a certain hr professional present during the first session did a mini-ice breaker to get to know the audience's demographic better. It turns out that most in the room had an average of 5 years or less of investing & trading experience(if i recall correctly). </div>
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<span style="color: blue;"><u>Some Points from Part 3:</u></span></div>
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<span style="color: blue;">i)When in doubt , NIBBLE , one lot or two lots la .... i poked ak about his nibbling size and his nibble is really a nibble! Plus now sgx lets u buy 100 shares ma , so test water , still ok la</span></div>
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<span style="color: blue;">ii)Macro/Micro ? Which type of a person are you? Which situations do you work best around? Etf - Macro? Specific Counters for Micro, when u can spill figures , numbers , facts , ratios around the back of your hand? At the end of the day ah boy feels that , once u find your style , you will know one , and you will auto change some stuff here and there along the way to your portfolio de.</span></div>
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<span style="color: blue;">iii)ANALYZE , your analysis need not be in depth , but it better well guide you into the direction that your style leads to , also REVISE , theories can be revised , good results can be better , losses can be minimised , profits can be greater. It's a learning process and enjoy this process.</span></div>
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<span style="color: blue;">iv)TIMING , don't become a long long long term investor from a trader.</span></div>
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<span style="color: blue;">Nice Picx stolen from Yune Ki :p</span></div>
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The panelists for this session was a mix , we had the zoo operator SMOL -Singapore Man Of Leisure who was half sick , but mentally very alert , Brian Halim of 3Fs - Forever Financial Freedom , a micro-analyst , i term his as such as he is able to hit out figures , ratios at the back of his mind , and i 佩服 him and Paul Chen from Value Investing College. These panelists were put on the hot seat , i assure you , i can see AK throwing knives at them lor , hahahaha , and all they could do was look and answer the questions. This mix did the trick for me as there was a lot of brain juice for me to absorb in AK's words ah "Go Pick Their Brains!!" </div>
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<span style="color: blue;">Overall this type of chit chat session is good! Next time must ask AK to buy 50 curry puff from OCK le hehe , the next session is in MAY 2015 tentatively? Our 老汉 (erhem 好汉 needs a bit of rest) , the other plus point was the fact that the $ raised from the sale of ticx was going to charity!! Ah boy pay this one gladly though i still grumble about paypal's fees la hahahaha.</span></div>
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Till Next Time </div>
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Cheerio</div>
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Ken (Ah Boy)</div>
<br />Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001tag:blogger.com,1999:blog-3222083185354759627.post-89158613146160792322015-03-22T07:30:00.000+08:002015-03-22T08:21:48.044+08:00NCF 2015 , the fun , laughter , anger and that tinge of sadness . Hi Peeps!<br />
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This post ah , is gonna be damn long man (Kidding lah , i try to finish as fast as i can without expressing my anger too much eh! ) <span style="color: blue;">Oh yah , at this part better state , the organisers gave ah boy a one time waiver of registration fee cause i tried to jio more people to attend this event through my blog, ken (ah boy) thank y'all for that gesture.</span><br />
You will understand later on why i need to put this disclaimer here liao!<br />
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OK ! So it was that time of the year again when ah boy will sneak into NCF (National Cashflow Competition ) and play for fun , but this year got twist wor! Read on for more :)<br />
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The event started off without a hitch , registration was a breeze , facilitators were well-mannered , game started off on a good note :)<br />
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Here are some picx taken by ah boy as shown below :<br />
(Sorry for the image quality ah , if it's not clear)<br />
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<span style="color: blue; font-size: x-small;">Before the Tertiary Category Prelims Begin</span></div>
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<span style="color: blue; font-size: x-small;">Some nice prizes eh? Hehe, ah boy didn't get to go for the macbook though , read on to find out why!</span></div>
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<span style="color: blue; font-size: x-small;">Before ah boy's table began playing , managed to get a picx. Let the fun begin! 6 players at my table.</span></div>
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<span style="text-align: left;">So ! After the 1hr and 5mins (5mins for checks) time period was up , ah boy got one PHB (HDB la) </span><span style="text-align: left;">and total net assets added up to tally at $116,000 . The objective was to hit $200,000 in net assets , cash on hand excluded within the timeframe and have a completed balance sheet. (Balance Sheet supposed to TALLY one ah )</span></div>
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<span style="color: blue; font-size: x-small;">Sample "Financial Statement" for NCF2015</span></div>
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The facilitator took the completed sheets (simplified financial statement) and ranked the players based on hitting objective 1 : owning a PHB and objective 2 : hitting $200,000 in net assets excluding cash. So player A , B and C were 1st, 2nd and 3rd, player D was 4th , ah boy was 5th (bway gao $$ ma kekeke)</div>
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Then we had a mass entrepreneurship run through by Ranford Neo , also about his book. After that , was the usual filling up of feedback forms etc , lucky draw for cap. mall vouchers.</div>
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THEN , came the surprise , when the facilitator for my table requested for the 4th(Player D) and 5th (mine) players' sheets as well. I was surprised there and then , as i knew that A, B and C's sheets didn't make it le . </div>
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After about 5mins , the auditors came back with the finalists' list, Player D got the spot.</div>
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So , player A was looking a bit confused, so i asked him whether he is darn sure that his sheet is ZHUN , he said ya , so i suggested that he could look for the auditors and ask them to take a quick look at the sheet that was audited ? </div>
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So , player A managed to hit $200,000 in net assets and completed the balance sheet , incorrectly unfortunately due to him overstating some CPF tokens , so he was disqualified , because he overstated his net assets on the balance sheet , think the CPF section didn't match up with the paychecks received , one paycheck entitles one player to $18,000 after mandatory expenses of $14,000 and 3 CPF tokens like basic pay package ba . (i found out that the auditors checked the cpf tokens with the paychecks received as they told the participants in the final round that.) Oh yah , Player A was in front of me to appeal to the auditors to run through his balance sheet / simplified financial statement again , that's how i know he overstated his assets by a bit . Alamak</div>
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Player B and C's sheets i didn't get a chance to look through though haha , so here's the HEADLINER.</div>
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Ah boy actually intended to leave the venue after i know that my 5th spot isn't good enough to get me into the finals la , until i almost left the venue , when a friend who was participating wanted to do a quick appeal as he murmured something about another player having wrong cashflow or something (i wasn't listening very intently as my mind suddenly kicked in wor! )</div>
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Call it instinct or gut feel or my anyhow hantam pattern la , somewhere somehow , i felt something a bit amiss about player D's sheet wor! Based on that gut feel i went to the auditors' table and requested for a quick look at the sheets for my table , they obliged by providing me with a short window , 5mins MAX to look at the sheets , IDK what took over me , but i instinctively went to look at D's sheet. Within less than a min , i spotted something amiss , the auditors even wrote on the sheet in black ink with a circle on the CPF tokens that D wrote , apparently D had shortchanged himself by writing 3 less tokens , thus , BY RIGHT , his sheet cannot TALLY one leh , got ERROR de!</div>
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So i took out my sheet and realised WAH , ah boy didn't do that badly leh , at least at doing up my sheet la , everything was in order! Just that my Net Assets didn't hit $200,000 . Ah boy sway la , keep on rolling two , four , five , these kind of small numbers , maybe if i go MBS , got chance win $ leh! Hahahhaha , kidding la , not legal yet. I was like LMAO , got so heng one ah , let ah boy go into finals? I only got 3 paychecks, while the rest got 4 or 5? </div>
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<span style="color: blue;">My mood then kekekeke</span></div>
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I started my questions as mine tallied and yet the auditors elected to let D go thru to the finals..... Their answer was : " He understated his financial statement , (he) had no intent of fraud" , thus after discussion they elected to have him proceed onwards to the finals. </div>
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Halfway thru my qns , A chap with the black T-shirt with the word "Organiser" printed on the back came by and started in a not so cordial tone : <span style="color: red;">"You shouldn't qn the Chief Auditors , they are here to ensure FAIRNESS!"</span> Because i said that the auditors are there to ensure fairness wor! <span style="color: red;">Wah , ai zai ! Pls remind me to hire these auditors to audit a few reits or counters ah, assets undervalued , i like!</span> Hehe , then i WHOOT into the counter liao! (Sell my precious metals also i follow !) </div>
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<span style="color: blue;">PS. I wanna know what Kopi they drank in the morning wor , so i can go and buy a bit to drink leh kekeke </span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGFPGuHQ6qcw-im59bQZLT53GR0rFddoKTHRTFENtuF7KsLYmDkn8VyrE-Hhyphenhyphenin6MDd0VQS3R4Id_Kx4u18EW0SADZq1emIz6K28-Oo4moR_1dfZsH8t8yJhpjLJDow54d9GsqJkMoJkA/s1600/b2ap3_thumbnail_34774655.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGFPGuHQ6qcw-im59bQZLT53GR0rFddoKTHRTFENtuF7KsLYmDkn8VyrE-Hhyphenhyphenin6MDd0VQS3R4Id_Kx4u18EW0SADZq1emIz6K28-Oo4moR_1dfZsH8t8yJhpjLJDow54d9GsqJkMoJkA/s1600/b2ap3_thumbnail_34774655.jpg" height="320" width="269" /></a></div>
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<span style="color: blue; text-align: left;">Yo , dude in abovementioned situation , bet you didn't see this coming LOL , but well , be nice la , the next time K? It does not mean when ah boy keeps mum , he isn't boiling ah , i just don't wanna embarrass your fellow team members and the guests present.</span></div>
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So on with my story , after abovementioned dude left , i asked the auditors once more whether they were gonna stick to their guns and say that Player D is going through. Well , at least i was next in line if D doesn't show up for the finals la , and i've got one friend in the finals to root for la.</div>
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I walked frm GE building on Pickering St till the singapore river to let off some steam lol , walking isn't my type of thing , i'm a sloth la . Still got that feeling of , IDK how to describe it , but just that i can't swallow la hahahahaha . So while having lunch and high tea , another friend of mine got the call that he was into the finals :) So i have 2 friends to root for now! Well , ah boy didn't get to play in the finals lor , so that tinge of sadness. </div>
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ANOTHER VERY INTERESTING THING HAPPENED! The auditors said for the finals , a financial statement that doesn't tally would be disqualified and no appeals allowed wor! The auditors decision is final! (I think they might have wanted ah boy to hear this LOL)</div>
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Well with that being said , let me show some picx of the finals.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuGIqYznkRrTVso_-IaKCr3hPocOcl11OTRtasfCeSLJfcrgkLVdKhjO-HIcIkDCuJiD-rUq5Zm_BFhBtodjd8B7MCBvD4rbeiXf8mp98P3ATHQcwMaS5hbgJkrOq6poQfRDQ0d6rbscQ/s1600/WP_20150321_016.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuGIqYznkRrTVso_-IaKCr3hPocOcl11OTRtasfCeSLJfcrgkLVdKhjO-HIcIkDCuJiD-rUq5Zm_BFhBtodjd8B7MCBvD4rbeiXf8mp98P3ATHQcwMaS5hbgJkrOq6poQfRDQ0d6rbscQ/s1600/WP_20150321_016.jpg" height="180" width="320" /></a></div>
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<span style="color: blue; font-size: x-small;">The finals </span></div>
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<span style="color: blue; font-size: x-small;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEUzq6YsJj8W1PlAHVPjO1M7FikupZ7vsKP534p45MpCxiJ4KqPLGXv7dvxFUKuVJ-OLMD3OLXdVyVE4o0eoPZKCMJMceGHzUrI-t0dmwuwYgFr93K2DO7m-r9DvkIJRcTImi3YrdZ2lE/s1600/WP_20150321_018.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEUzq6YsJj8W1PlAHVPjO1M7FikupZ7vsKP534p45MpCxiJ4KqPLGXv7dvxFUKuVJ-OLMD3OLXdVyVE4o0eoPZKCMJMceGHzUrI-t0dmwuwYgFr93K2DO7m-r9DvkIJRcTImi3YrdZ2lE/s1600/WP_20150321_018.jpg" height="180" width="320" /></a></span></div>
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<span style="color: blue; font-size: x-small;">Game in progress.</span></div>
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<span style="color: blue; font-size: x-small;">The board game used in NCF 2015.</span></div>
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<span style="color: blue; font-size: x-small;">Another table picx</span></div>
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<span style="color: blue; font-size: x-small;">Think all were quite stressed as the table was awfully silent for about 10 mins LOL.</span></div>
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Out of curiosity(before the finals began) , as i only know how to interpret financial statements , i don't know how auditing works , so i whatsapped two friends who have gotten their master in finance and the other in Biz Admin (Mgmt) , i asked them this .</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1EXD_7IPD98BXJkstoksBHOMbkqEw7OyDsrRuSbIh5rAQE_GxF7eWYL11yKTMg38Qf51zqq8xf_Qv7N2ArWxx32B9FQ73R7TTXQ-SM6wuetnK7Y23uBk0kURitm_4LQ0COZxKB7BHSw4/s1600/wp_ss_20150322_0002.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1EXD_7IPD98BXJkstoksBHOMbkqEw7OyDsrRuSbIh5rAQE_GxF7eWYL11yKTMg38Qf51zqq8xf_Qv7N2ArWxx32B9FQ73R7TTXQ-SM6wuetnK7Y23uBk0kURitm_4LQ0COZxKB7BHSw4/s1600/wp_ss_20150322_0002.jpg" height="320" width="192" /></a></div>
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<span style="color: blue; font-size: x-small;">His reply? EPIC LOL</span></div>
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The other friend tried to cheer me up with pictures of really nice cars LOL , thanks ah , you know who you are la ;) </div>
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You see ah , the basics of financial literacy includes being able to construct a simple financial statement and being able to understand the financial position of a company , if it doesn't tally , something must be a bit off somewhere ma , tio bo? hehe , just my two cents la.</div>
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Ok la , finish ranting liao , now to wrap NCF 2015 up , i would say the organisers did a good job achieving their macro objectives of outreach and spreading awareness on financial literacy and i applaud them for this , as the youths of today , are the leaders of tomorrow . (Ah boy's england not that bad one ba)</div>
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So now , three micro-points to improve upon for the organisers (hopefully they are reading this) :) </div>
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1)Possibly have your auditors set a base line , such as incorrect financial statements to be disqualified? </div>
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(Both over and understated as the participants need to provide an accurate financial statement in order to make the game even more rigorous and more realistic.)</div>
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2)You might need 2 rounds of compulsory mass trainings , if conditions permit such that participants are able to familiarise themselves with the game rules etc etc. </div>
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3) Venue is good , but probably the arrangement of the tables need to be thought through more in detail as even the skinny friend of mine can't navigate through the tables , much less fat ah boy eh? Hehe</div>
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That's it from me, IKR , a whole load of ranting hahahaha and for me to post so early in the morning , the dude has some substance wor! I'm looking forward to an even better NCF 2016, and i'm sure the organisers can step up to the plate.</div>
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Signing off till the next time.</div>
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Ken </div>
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<span style="font-size: xx-small;">Meme images from google , NCF 2015 picx taken by me.</span></div>
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Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001tag:blogger.com,1999:blog-3222083185354759627.post-85670905834242848382015-03-11T15:37:00.002+08:002015-03-11T15:49:01.154+08:00Some updates from me :) Hi there again :)<br />
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Congrats to those that followed my call on Serial System Ltd and TP-ed (SGX:S69) . Now i'm looking at round 2!<br />
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Now the purpose of this post is to thank Uncle Rich of <a href="http://www.investopenly.com/" target="_blank">InvestOpenly</a> .<br />
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This comes as a super - late thank you , LOL , some 2 mths late. This is for some of y'all that wanna know what i've in my box.<br />
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Check it out <a href="http://www.investopenly.com/2015/01/interview-with-kendrick-of-peek-into.html" target="_blank">here</a> .<br />
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Secondly , it is also to thank a lot of bloggers such as <a href="http://singaporeanstocksinvestor.blogspot.sg/" target="_blank">ASSI AK</a> , <a href="http://foreverfinancialfreedom.blogspot.sg/" target="_blank">B of 3Fs</a> , <a href="http://sgyounginvestment.blogspot.sg/" target="_blank">SGYI</a> ,<a href="http://kenjifundmanagement.blogspot.sg/" target="_blank">Kenji Wealth Management</a> for letting me learn loads from y'all (Just to name a few) and a few of y'all for placing me on your resources tab and letting your readers experience more singlish ramblings from me . Thanks :)<br />
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Lastly , say hi to me if you're going for NCF2015 training and or on the actual day , at least lemme know someone is reading hahahaha!<br />
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Cheers<br />
KenKenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0tag:blogger.com,1999:blog-3222083185354759627.post-63254719879882028472015-03-01T00:40:00.000+08:002015-03-03T16:23:05.263+08:00National Cashflow Competition 2015 , Anyone?Hi there!<br />
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Warning : You might need to spend $ after this post.<br />
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Most or if not all of my blog readers shouldn't know this , but ah boy has been attending the NCF (National Cashflow Competition) for fun for a few years (other than twice in secondary school cat no choice ma that time , last year was in open) , though most of the time, it was just a way for me to survey the market and play a game or two for fun :) <br />
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This year , see my mood la , either Open or Tertiary category.<br />
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Ah boy doubles as a financial literacy "educator" (though in my own style and flavor la) , so i can peep at my competitors ma , and check out market strength ;)<br />
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This time around though , i might have a bit more fun! There's the new game , Asset Finesse used instead of the usual cashflow 101 , ah boy hasn't been to the training session though , but i got a rough idea of how it will be like , just that i'm hoping it can stimulate my mind more as compared to cashflow 101 la , or if not , i might jolly well set a damn ambitious (some might say crazy) goal , get my game into NCF 2017 , why 2017?<br />
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Now my games are still in the prototype stage , testing , refinement and launch , plus awareness leh? Ah , so if everything huat huat , shun shun , you might have a chance to play kekeke !<br />
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Back to NCF 2015 , if you're at the mass training on 14 March 2015 & 21 March , and happen to see a fat, bubbly and oddly dressed teen/young adult like fella wearing berms/jeans and black loafers , drop by and say hi , at least lemme know my blog got ppl read ma :p<br />
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The details are as follows and for those that haven't register , the link for the form is also below in case y'all also like ah boy , last minute register yearly one !<br />
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Cheerio<br />
Ah Boy (Ken)<br />
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Mass Training Session 14 March 2015<br />
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Timings : check on website ba , more zhun<br />
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Game Day:<br />
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<span style="background-color: white;"><span style="color: #5a5a5a; font-family: Montserrat, sans-serif; font-size: 14px; line-height: 20px; text-align: center;">21 March 2015 (Saturday)</span><br style="box-sizing: border-box; color: #5a5a5a; font-family: Montserrat, sans-serif; font-size: 14px; line-height: 20px; text-align: center;" /><span style="color: #5a5a5a; font-family: Montserrat, sans-serif; font-size: 14px; line-height: 20px; text-align: center;">9.30am to 8.00pm</span><br style="box-sizing: border-box; color: #5a5a5a; font-family: Montserrat, sans-serif; font-size: 14px; line-height: 20px; text-align: center;" /><span style="color: #5a5a5a; font-family: Montserrat, sans-serif; font-size: 14px; line-height: 20px; text-align: center;">Great Eastern Centre for Excellence, Raffles Place</span></span><br />
<span style="background-color: white;"><span style="color: #5a5a5a; font-family: Montserrat, sans-serif; font-size: 14px; line-height: 20px; text-align: center;"><br /></span></span>
<span style="background-color: white;"><span style="text-align: center;"><span style="color: #5a5a5a; font-family: Montserrat, sans-serif;"><span style="font-size: 14px; line-height: 20px;">Cost : $10 SGD , got goodie bag , plus time spent is rather engaged on the game , atmosphere is not bad wor!</span></span><br /><br /><span style="color: #5a5a5a; font-family: Montserrat, sans-serif;"><span style="font-size: 14px; line-height: 20px;">PLUS! PRIZES!!!! Got Ipad la , MacBook la , pattern liao liao la.</span></span></span></span><br />
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<span style="background-color: white;"><span style="text-align: center;"><span style="color: #5a5a5a; font-family: Montserrat, sans-serif;"><span style="font-size: 14px; line-height: 20px;">Link for registration form </span></span></span></span><br />
<span style="background-color: white; color: #5a5a5a; font-family: Montserrat, sans-serif; font-size: 14px; line-height: 20px; text-align: center;">: <a href="https://docs.google.com/forms/d/1GbEUyRHFkGCGDdDVryAAlOlWCjVLdcJ1BgypkEaexeE/viewform?c=0&w=1" target="_blank">https://docs.google.com/forms/d/1GbEUyRHFkGCGDdDVryAAlOlWCjVLdcJ1BgypkEaexeE/viewform?c=0&w=1</a></span><br />
<span style="background-color: white;"><span style="text-align: center;"><br /><br /><span style="color: #5a5a5a; font-family: Montserrat, sans-serif;"><span style="font-size: 14px; line-height: 20px;">* PS , this was not a sponsored post , cause ah boy don't wanna be lonely nia , so if u see me , pls say hi ah :)</span></span></span></span>Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001tag:blogger.com,1999:blog-3222083185354759627.post-18457233318544096722015-02-26T21:13:00.001+08:002015-02-26T21:13:26.818+08:00Stuff I've learnt over the past year , stuff you can learn from or get a refresher .Ah , b4 i begin to even rant, Happy CNY ! HUAT AH!<br />
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Moving on liao, this is a self-reflection post (enough of financial posts for now , you have my blog list la , visit one of them :p ) , so for those that can't tahan long granny stories (kidding!) , read on. Those who can't tahan ah boy's style ? Obviously you wouldn't be here if you can't tahan la huh...<br />
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<span style="color: blue;">1) Be TRUE to others and yourself </span><br />
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This is definitely applicable to all aspects of life. Before starting out on commerce , back in my secondary school days , i used to be a lot more reserved , i don't usually put this out, but i learnt over time that putting out the real you has been very beneficial in terms of boosting a bit of self-confidence and also , it also helps you to allow others to understand you better , because , when you don't speak up , others don't know! Treat others like how you would treat yourself , only then will people begin to open up to you , and you will understand them better.<br />
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<span style="color: blue;">2) For the right circumstance , use the right speech language :) </span><br /><br />On my blog , social media accounts , by and large , i'm a bubbly kid , but there are definitely times when i need to talk shop. My point : Don't be afraid to talk shop when you need to , remember , you are an equal when you step out into the world :) <br /><br />These times , it is especially more important and crucial to watch your speech , posture , etc etc , as the video below will show :)<br />
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<span style="color: blue;">3) Pay respect when it is due. </span><br />
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There are a select few that over the years have shaped me and over the years even though i have not been regularly keeping in touch , during CNY , i'll still pop by their residences for a cuppa and hand them two mandarins as a sign of respect , it's my small way of saying thank you , what's yours?<br />
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<span style="color: blue;">4) Allow yourself to learn.</span><br />
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Keep an open mind, be humbled , learn new and refresh your minds with the experiences gained daily, an old dog still can learn new tricks ;)<br /><br />
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Have a great year ahead.<br />
Ken<br />
Ps. Drop me a comment or two :)<br />
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<span style="font-size: xx-small;">Pics from google,vid from youtube </span><br />
<br />Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com6tag:blogger.com,1999:blog-3222083185354759627.post-51284665780640765692015-02-18T19:06:00.000+08:002015-02-18T19:06:43.502+08:00CNY Eve post , what you can learn from food! Hi there ah, happy cny in advance to you all who are reading first. Sorry for not blogging quite a bit , was busy with assignments and stuff. Now, let's get it started proper shall we ?<br />
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So every year , my family will have a simple steamboat meal , nothing fancy , nothing to shout about but the amount of quality time spent is impossible to monetize.<br />
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So ah , ah boy is going to talk about food today , have you ever wondered how many of the companies that produce , retail or distribute foodstuff is listed locally (for this post we look at local la ah, ah boy hungry liao , wanna go eat steamboat soon) ?<br />
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Ah boy has this weird habit , whenever i see something that piques my interest such as idk....i was doing some cny grocery shopping at **** and ** (same day 2 diff. supermarkets) , then i saw this canned peach can.<br />
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Being curious i actually went to google and find out if the co. was listed anywhere on any exchanges , so i found out hosen was listed and del-monte was also listed! (del-monte APAC i know a while back , cause i watchlist it for a while , but for hosen , i didn't know! )<br />
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Now , i'm not inciting or enticing or whatever coerce , force-selling you to buy their shares , but ah boy just wants to say , while having fun , open your eyes,<span style="color: blue;"> be it foodstuff, lorry details etc, you never know what you will find out from a name :) ya, u saw that right , i saw the 800super garbage truck then i googled one , i swa gu ma... dunno got so many counters listed on sgx ;p </span><br />
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Ah boy shall open my oyster bay 2013 merlot for cny lo kekeke! With that , ah boy would like to thank all my readers, for this past few months, hope i haven't bored you too much ah! Drop me a comment ;) I wish all readers happy cny , huat ah!<br />
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Cheers & Happy CNY !<br />
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Ken (Ah Boy)<br />
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<span style="font-size: xx-small;">Pics from google , year of the goat coin by me.</span><br />
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<br />Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001tag:blogger.com,1999:blog-3222083185354759627.post-65699984672703293432015-02-01T23:25:00.002+08:002015-02-01T23:25:50.189+08:00Winner/Loser ? Reflections of a half-bucket trader Ken again back with his nonsense , those who are sleepy already , please turn in for the night.<br />
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Pre Warning : the amount non-standard and grammatically incorrect language used in this post is enough to fill an olympic sized swimming pool with saliva , because what i'm saying here might not be what some of you might expect.<br />
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This is a SHORT POST NIA.<br />
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Over the short time that i've been a small time trader , i've learnt these lessons and i mean each and every single word of it from the bottom of my heart.<br />
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<span style="color: blue;">**Oh yah , got song for y'all to listen somemore :) **</span></div>
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<span style="color: #cc0000; font-size: x-large;"><b>1) There will be a LOSER. </b></span><br />
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No matter what one tries to sweet-talk, sugar coat things , it is an iron-clad fact , even when you profit from the market , you are taking away a less adept trader's $ . Simple as that , even if you nick away a BB's $ , it is only a small mini mini sum . Comparatively , if u nick away the same sum from a retail trader , it should be quite a sum ! Now don't around BOASTING ah , sharing is still ok , know where to draw the line , being true and humble always has its merits , remember , every dog has its day , 风水轮流转啊!<br />
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<b>Ps. not being sexist ah!</b></div>
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<b><span style="color: blue; font-size: x-large;">2) It is always a continuous learning journey and the curve is damn steep man!</span></b></div>
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So? What do you do? You put on your darn A-Game and do the best you darn can and concentrate to reach your daily monthly hourly yearly whatever goals lar ! Then , be cautious ah , dun say ah boy bo hor warning , u see what happen to the world economies ? Yar , BEWARE !</div>
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Well That's all the naggy Ken has to preach today, peace out and HUAT AH ! Remember , do more charity work , helps u to lift your mood too! :)</div>
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Cheers</div>
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Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com4tag:blogger.com,1999:blog-3222083185354759627.post-92105542011932322162015-01-29T17:32:00.001+08:002015-03-11T15:52:47.453+08:00Chicken Rice with Uncle Rich !Hi there peeps ! Ah boy is back with his musings this time with my new found partner in crime (erhem lunch ba) .... so i decided to do a short interview of uncle rich for some of the younger readers to hopefully absorb a bit from :)<br />
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So background info , some of y'all might know uncle rich from reading his blog , for those who haven't , nvm ah ken now intro to u! LOL , uncle rich is a working adult , a retail investor like most of us , and also married<br />
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(my female readers , sorry lar , nvm , u ask uncle rich match make for u also can :p )<br />
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So yea, some of y'all were saying that my singlish musing a bit *sue sae after the last post in more standard ang mor , so , singlish is back !<br />
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*(lose the 阵 , dialect to english translation you go figure la)<br />
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Long story cut short lar , here it goes.<br />
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I asked him 11 Qns , let's see his answers!<br />
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<span style="color: purple; font-size: x-small;">Picture courtesy of Auntie Rich !</span></div>
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<span style="vertical-align: baseline;">1) </span><span style="font-family: Arial; font-size: 15px; line-height: 2; vertical-align: baseline; white-space: pre-wrap;">Investor / Trader / </span><span style="background-color: white; color: #212121; font-family: Arial; font-size: 15px; line-height: 2; vertical-align: baseline; white-space: pre-wrap;">Campuran ( Bahasa? ) </span><br />
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<span id="docs-internal-guid-fa6c361e-34d6-a3fc-aae3-3df8059f93aa"><span style="background-color: white; font-family: Arial; font-size: 15px; line-height: 2; white-space: pre-wrap;"><span style="color: blue;">Ans: I am still pretty new to investment and hence still focusing on being an investor.</span></span></span><br />
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<span style="font-family: Arial; font-size: 15px; line-height: 2; white-space: pre-wrap;">2) Let us understand more about you! Your style , background stuff like that , in your style ah , don’t anyhow hantam ! Fav stuff etc lor.</span></div>
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<span id="docs-internal-guid-fa6c361e-34d6-a3fc-aae3-3df8059f93aa"><span id="docs-internal-guid-fa6c361e-34d7-5066-b38f-03927fa6226a"><span style="font-family: Arial; font-size: 15px; vertical-align: baseline; white-space: pre-wrap;"><span style="color: blue;">Ans: My name is Richard and I[am a middle age uncle (like you like to call me) </span><span style="color: blue;">which started the stock investing journey not long ago (last year). I am still having a full-time job and hence only invest during my free time. My background is in IT and never think of investing during my younger years (maybe due to my kia-si-ism). Oh, I am a proud owner of my blog : </span></span><a href="http://www.investopenly.com/" style="color: blue; text-decoration: none;"><span style="font-family: Arial; font-size: 15px; text-decoration: underline; vertical-align: baseline; white-space: pre-wrap;">http://www.investopenly.com</span></a><span style="color: blue; font-family: Arial; font-size: 15px; vertical-align: baseline; white-space: pre-wrap;"> </span></span></span></div>
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<span style="font-family: Arial; font-size: 15px; line-height: 30px; white-space: pre-wrap;">[afternote frm ken: i call him uncle rich nia , no middle age uncle wor , this part he hantam one lar]</span><span style="color: blue; font-family: Arial; font-size: 15px; line-height: 30px; white-space: pre-wrap;"> </span></div>
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<span style="font-family: Arial; font-size: 15px; line-height: 30px; white-space: pre-wrap;">3) </span><span style="font-family: Arial; font-size: 15px; line-height: 1.15; white-space: pre-wrap;">Now that is done , moving on , please give an aga aga estimation on CURRENT PORTFOLIO SIZE , & desired portfolio size. Mai Kia , put the sky also can , also if possible , the types of asset classes inside and whether u wanna expand it (local or global type?) !</span></div>
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<span style="font-family: Arial; font-size: 15px; vertical-align: baseline; white-space: pre-wrap;"><span style="color: blue;">Ans: As I still consider myself a newbie, my portfolio size is only around $20K (including CPF Fund), not interesting at all. I am looking at increase it to $50K this year. My main focus will be on equities and REITS </span></span></div>
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<span style="font-family: Arial; font-size: 15px; vertical-align: baseline; white-space: pre-wrap;">[see, i bring u all variety leh , dun say i just put shares hor!]</span></div>
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<span style="font-family: Arial; font-size: 15px; line-height: 1.15; white-space: pre-wrap;">4) Okie , so how long do you think you will need to achieve that?</span></div>
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<span style="color: blue;"><span style="font-family: Arial; font-size: 15px; white-space: pre-wrap;"> Ans: By year end</span><span style="font-family: Arial; font-size: 15px; line-height: 1.15; white-space: pre-wrap;"> </span></span></div>
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<span style="font-family: Arial; font-size: 15px; line-height: 1.15; white-space: pre-wrap;">5) </span><span style="font-family: Arial; font-size: 15px; white-space: pre-wrap;">Done any will? Legacy planning etc? Is it of importance to you?</span></div>
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<span style="font-family: Arial;"><span style="font-size: 15px; line-height: 30px; white-space: pre-wrap;">[ken whispers to reader : " anyone wanna be his god-son or daughter? bway pai leh kekeke]</span></span></div>
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<span style="font-family: Arial;"><span style="font-size: 15px; line-height: 30px; white-space: pre-wrap;">6) </span></span><span style="font-family: Arial; font-size: 15px; line-height: 1.15; white-space: pre-wrap;">Anything you would have done differently towards your investment journey if you had the chance to turn back the clock?</span></div>
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<span style="color: blue; font-family: Arial; font-size: 15px; line-height: 1.15; white-space: pre-wrap;">Ans: I will start the investment earlier. But again, I might flop big time… ;-) Ya, I think need to gain the knowledge first, if I start earlier and anyhow hantum (like your motto), I might not be that lucky ;-)</span></div>
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<span style="vertical-align: baseline; white-space: pre-wrap;"><span id="docs-internal-guid-fa6c361e-34de-02c9-acfa-a5562dbe8a6d">7) <span style="background-color: transparent; line-height: 1.15;">BEST BUY(s) / WORST one(s) [<span style="color: red;">Burning Qn right , i also know</span> :p ]</span></span></span></div>
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<span style="background-color: transparent; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="color: blue;">Ans: Facebook (US stock), no worst one yet as I have not suffer any materialised loss so far (paper loss is Super Group)</span></span></div>
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<span style="line-height: 1.15;">[note frm ken : uncle rich huat ler , FB going up up up , USD chiong ah! Time to go for mbs buffet with uncle rich ler , on him !</span><span style="line-height: 1.15;"> ]</span></div>
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<span style="background-color: transparent; line-height: 1.15;">8) Advice to younger peeps</span></div>
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<span style="background-color: transparent; color: blue; line-height: 1.15;">Ans: Invest within your means and never leverage on what you cannot afford to loss i.e. cause you sleepless night.</span></div>
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<span style="background-color: transparent; color: blue; line-height: 1.15;">[this time i get someone to be the messenger , so won't be so boring , everytime also i say... sianz also ]</span></div>
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<span style="background-color: transparent; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">9)</span><span style="background-color: transparent; line-height: 1.15;">What is your daily routine like? Got check news bo?</span></div>
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<span style="background-color: transparent; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="color: blue;">Ans: As I am still having my full time job, so the usual daily routine : breakfast, commute, work, lunch, work, commute, dinner applies. In between, facebooking and news consumption.</span></span><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> </span></div>
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<span style="line-height: 1.15;">[He got his market news in 2mins? daily thing i think , can go and read , macam the news , but no need watch tv ]</span></div>
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<span style="line-height: 1.15;">10) FA / TA ( Fundamental Analysis / Technical Analysis )</span></div>
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<span style="color: blue; line-height: 1.15;">Ans: FA! TA too complicated for me !</span></div>
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<span style="line-height: 1.15;">11) </span><span style="background-color: transparent; line-height: 1.15;">How did you find your first buy in and advice to those who are gonna make their first buy in? </span></div>
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<span style="background-color: transparent; line-height: 1.15;"> (i know a few of u going to ah , so pls see what uncle rich has for y’all )</span></div>
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<span style="background-color: transparent; color: blue; line-height: 1.15;">Ans: My first buy is Straco and I bought it because it was in the news first, after that I did my own assessment and noticed that the price is right (I bought it at $0.58) and with reasonable dividend. As for the advice, try to buy the counter that you are familiar with (or at least try to get yourself familiar </span></div>
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<span style="color: blue; font-family: Arial; font-size: 15px; line-height: 1.15;">with it before buying, by reading up their annual report etc..). </span></div>
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Oh yah , lemme know in the comments below who you wanna see interviewed next using my way :) Also , please share or leave a comment if you've enjoyed it :)</div>
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<span style="background-color: transparent;"><br /></span><span style="background-color: transparent; line-height: 1.15;">Well , that is it from me .</span>
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<span style="background-color: transparent;">Till next time</span></div>
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<span style="line-height: 1.15;">Ken </span></div>
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<span style="font-size: xx-small;">Pics from google</span></div>
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</span>Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0tag:blogger.com,1999:blog-3222083185354759627.post-48998725241152061122015-01-23T22:14:00.001+08:002015-01-23T22:14:15.082+08:00Trading = Playing with fire? Investing = The SAFE way out? Hello fellow human beings , ken back with his random thoughts of the day :)<br />
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<span style="color: blue; font-size: large;">The topic at hand : </span><span style="color: red; font-size: large;">Trading = Playing with fire?</span><br />
<span style="color: blue; font-size: large;"> Investing = The SAFE way out? </span><br />
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This happened about 2-3months back? Didn't have the time to blog then , ah boy was having exams.<br />
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Characters Involved:<br />
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1) Me<br />
2) Auntie A<br />
3) Auntie B<br />
4)SA -Son of Auntie A<br />
5)SB-Son of Auntie B<br />
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Convo lasted about 5 mins<br />
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I was just q-ing outside this financial institution to draw cash (nicer way to term a bank lar , ken now upgrade the engerish standard can or not? :p ) u know , the one with that red ship one yea, the one lar .... So Auntie A was putting in her $ for an ipo counter and was telling her other friend that the son is very good at trading wor (ah boy kaypoh ma , cause the q so long , wait until i can q for old chang kee curry pok on sundays and come back leh , can imagine lar , sure salary release day one -.-) then Auntie B was saying wah , trading bery bery high risk wor ! Son A must either be big huat or big red lor , Her son B , was on the other hand investing and seems quite safe to Auntie B, then Auntie A siad safe, not safe , make $$ can liao ma !<br />
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I didn't reply ,not because i see ppl no up ah , ah boy was dead beat after my papers :( so i just withdrew cash and ciao le<br />
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If Ah boy wasn't tired and had a bit of time to spare<br />
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*Ah Boy narrates to myself that day*<br />
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Me: Hello Aunties ah! Wah here macam coffee shop wor , the both of u add up together minimum 100yrs old le , still wanna 比来比去 tak boleh tahan leh! I ask u all ah , SA trade for what? got a goal in mind? Also, SB invests for simi , got goal or not?<br />
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Lesson from this story:<br />
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<span style="color: blue; font-size: x-large;">Be an INFORMED Trader/Investor</span></div>
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<span style="color: blue; font-size: x-large;">Be sure of your time frame!</span></div>
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You need to know what you're in for , i've repeated this line like countless time (ken is becoming a broken tape recorder soon , yar )<br />
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You can earn loads of $ but without a goal , a purpose , u are a headless fly , a rich one lar , albeit.<br />
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For a trader (RETAIL) : know the following<br />
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<span style="color: red;">A) Your EP (Entry Price) </span><br />
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<span style="color: red;">B) TP (Take-Profit price) </span><br />
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<span style="color: red;">C) SL (Stop-Loss) </span><br />
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<span style="color: red;">D) LIMIT! (Hello, doesn't mean u got 2M , you dump 2.5M into it leh!)</span><br />
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For an Investor (RETAIL) : know the following<br />
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<span style="color: red;">A) The Various ratios (Quick , Debt to equity , Liquidity etc.) </span><br />
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<span style="color: red;">B) The Enterprise Value of the Biz and strip it DOWN part by part to see if the Biz has enuf to sustain ops for one year at least after HALVING its cash and liquid assets :) </span><br />
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<span style="color: red;">C) Know the Management (Advice from Mr X, a HR veteran, don't know? check out my previous post.)</span><br />
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<span style="color: red;">D) The Industry's heading / bearing / general direction , obviously when u pick counters don't pick a jialat jialat one lar , or a sunset industry unless the company is doing something innovative and right , and obviously need to earn money lar , don't suka suka slide close to 15% in profits in a quarter la(u know i know who experienced this lar) :p</span><br />
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<span style="color: red;">E) If you're in for the long run , better monitor the dividend yield , for short and long term , pls pls look for the growth potential.</span><br />
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<span style="font-size: x-large;">2) <span style="color: red;">IF YOU LOSE $ , BLAME NO ONE BUT YOURSELF</span></span></div>
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<span style="color: blue; font-size: large;">Your $ is your $ ,</span> <span style="color: red;">dun dump it into the market because of some "guru" and when the call doesn't come thru , you have a just made yourself a roasted suckling pig (delicious for the banks and yr creditors to eat wor!)</span><br />
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<span style="color: blue; font-size: x-large;">DYODD lar (Do Your Own Due Diligence)</span><br />
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Cheers<br />
Ken<br />
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<span style="font-size: xx-small;">Pics from uncle google :)</span><br />
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<h2 class="title" style="background-color: white; font-family: 'Trebuchet MS', Trebuchet, Verdana, sans-serif; font-size: 11px; font-stretch: normal; margin: 0px 0px 1em; position: relative;">
Disclaimer:</h2>
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<br />Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0tag:blogger.com,1999:blog-3222083185354759627.post-45736543668923010652015-01-21T16:20:00.000+08:002015-01-21T16:20:35.775+08:00Spare Ribs Noodle with X , My Ta Baos from it.Hi Peeps<br />
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Ken back with my musings of the world , from my perspective of course. So i was having spare rib noodles for lunch with investor Mr X :) and naturally our conversation drifted to investments and what makes a company or rather a counter worth buying into. we both contributed ideas as to what factors we consider when we buy into counters . For X , it is growth potential , high growth potential.<br />
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The counters better have the possibility to wake up and flip a minimum of 2 times in order to be considered for MR X 's list. Let's begin proper with the lessons i've learnt from mr X then, shall we?<br />
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1) <span style="color: red;">Do your own research ,know the figures and how it is calculated.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjJpKjIJSi-DJqVfDJdjP0pmhNwhT_jd0e68ueySF5mrNZkYU6ptqgMnUB7uCH1Okh8DEFwDvFWY1Eiwpm0fPVAjCAoS-ZE_GZOQ_hkY07SdEpXd1KP7Fb4lDV6WUaG0a1XfYFGnxoV5Y/s1600/670px-Calculate-Your-Body-Mass-Index-(BMI)-Step-3-Version-2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjJpKjIJSi-DJqVfDJdjP0pmhNwhT_jd0e68ueySF5mrNZkYU6ptqgMnUB7uCH1Okh8DEFwDvFWY1Eiwpm0fPVAjCAoS-ZE_GZOQ_hkY07SdEpXd1KP7Fb4lDV6WUaG0a1XfYFGnxoV5Y/s1600/670px-Calculate-Your-Body-Mass-Index-(BMI)-Step-3-Version-2.jpg" height="240" width="320" /></a></div>
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Example 1:<br />
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Liquidity ratio calculations<br />
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Example 2:<br />
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<span style="color: blue;">Dividend yields need to be reflected in accordance with current trading prices , if not , you'll judge a counter's performance based on past info , for traders and real-time investors , you'll look for ACCURATE ON TIME information.</span><br />
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2) <span style="color: blue;">Multibagger within the time frame of 1yr or bin it.</span> (His style , not for me , mine is anyhow hantam lar)<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO8aRkccWHDCQnDaIhbPwGIq1RGeJPsuA01a_JvGr5Q-c2_19O769rpdVHEmtV6FOJU35V4UO-Pi9vkeWCbF6WPe-ilRK54SEIuXSsjQml6A9xmw9_1jyqbA3sKRllIfHoWCSHxLdxSlc/s1600/gg60412062.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO8aRkccWHDCQnDaIhbPwGIq1RGeJPsuA01a_JvGr5Q-c2_19O769rpdVHEmtV6FOJU35V4UO-Pi9vkeWCbF6WPe-ilRK54SEIuXSsjQml6A9xmw9_1jyqbA3sKRllIfHoWCSHxLdxSlc/s1600/gg60412062.jpg" /></a></div>
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<span style="color: red;">Learn to let go of counters that are underperforming </span>, <span style="color: magenta;">put them in a list of "K.I.V" counters and review them once in a while</span> :) <span style="color: lime;">The time might not be ripe yet , also binning it reduces the risk of liquidity being tied up there</span>, <span style="color: red;">STOP LOSS when necessary , follow your exit strategy !</span><br />
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3) Do stuff that is necessary , don't overkill though<br />
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Come on , you're not him all right? Big Boy?</div>
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<span style="color: red;">Buy in at your comfort zone, don't shoot finish the clip to realise your ammo supply is out.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYNS8nl0j9F_YSmSjJDS98xV4V7KDAGuxaVjY5tooT5rq93809wfPhKIaJvIOesQiXvqSu7O061YBu-Y8yH2aA617cA4y_dgnLGFRpxbPAEbIEsSLoDTfrAhUAX2pBy_eMW5rMG4tbhmw/s1600/too-much-never_c_1161159.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYNS8nl0j9F_YSmSjJDS98xV4V7KDAGuxaVjY5tooT5rq93809wfPhKIaJvIOesQiXvqSu7O061YBu-Y8yH2aA617cA4y_dgnLGFRpxbPAEbIEsSLoDTfrAhUAX2pBy_eMW5rMG4tbhmw/s1600/too-much-never_c_1161159.jpg" height="247" width="320" /></a></div>
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Life lessons from X:<br />
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1) Always be humble and nice :)<br />
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You will never know when you will meet your benefactor :) so yea, playing the nice card helps<br />
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2) Treat one like how you will treat your closest family member and you will find unexpected stuff. </div>
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(A pot of gold at the end of the rainbow maybe?)</div>
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Well Cheerio till the next time , for retail investors , let's come out for kopi sometime , drop me a comment or add me on facebook :)<br />
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KendricK Goh (Ken)<br />
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<span style="font-size: x-small;">Pics from google :)</span>Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001tag:blogger.com,1999:blog-3222083185354759627.post-11378895502009696382015-01-13T04:23:00.001+08:002015-01-13T04:23:38.690+08:00Entrepreneurship: My thoughts , My lessonsHi there<br />
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Ken is here again to reflect . 2014 has been a mentally exhausting year (oversized teen don't have much physical activity lar) . from starting out to involving myself in two businesses , starting my own biz, the journey has been tough , but rewarding. This post is meant as an extension of my conversation with a friend of mine (Ryan , this is for you.) , also , it is meant for Branson , and possibly all of you out there who are unsure whether to embark or continue onto the road less trodden.<br />
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ps. this post shall be more coherent than many of the previous posts due to the use of more "standard" english rather than singlish. However, i'll still try to make it as palatable as possible.<br />
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So here goes my 6 lessons so far in the journey of entrepreneurship.<br />
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<span style="font-size: x-large;">1) This is the path less trodden upon .</span><br />
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You possibly need to prepare yourself mentally , for the sleepless nights, wondering whether this path is worth it , whether your direction is right. In my own words:<br />
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<span style="color: blue; font-size: x-large;">"Entrepreneurship is a 200% thing. 99% shots in the dark , 1% success , 99% determination , 1% big break"</span></div>
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I'm still figuring my way around this path , without a mentor , this makes it twice as hard but twice as rewarding . </div>
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<span style="font-size: x-large;">2) You'll see the good , the bad , and the downright ugly.</span></div>
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Most of the public only know about the bright side , upside and glorious side of an entrepreneur , but do you truly know the rejections , stone walled and possibly even sarcasm laced "feedback" that you obtain from some of your closest ones when you first start , not everyone has the blessing of the entire village to start up , but you have got to do what you've got to do!</div>
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Often throughout the course of your journey , you'll have awesome clients , awesome friendship for life, then on the flipside , skeptics , reluctant investors sometimes , and worse , the snobbers , come to think of it , i should really thank these snobbers, for snobbing , if not , i wouldn't have made it today , i wouldn't even dare to make it today. My tip for you , soldier on , and possibly share with someone you trust , and know that you can find support and comfort and not solace in., because if you find solace , then you're still not prepared for what's next on the road! You really just have to suck it up and move on. </div>
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<span style="font-size: x-large;">3) Don't make castles in the air , build it on land!</span></div>
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The quote below best explains the message that i'm trying to bring across.</div>
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Don't dream too much! Take that leap of FAITH , keep that FAITH , it is one of the few things that will keep the fire burning inside you.</div>
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<span style="font-size: x-large;">4) You better know your stuff well, real well.</span></div>
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Now i'm not talking about steak here , so when s*** gets real , you better have your expertise to back you up and the guts to stand your ground if you're cornered by a venture capitalist or an investor , because afterall you wanna make it up to the big stage to share your idea and your stuff to the world, or for when ever you need to present.</div>
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<span style="font-size: x-large;">5) School of hard knocks!</span></div>
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I was at a gathering back last month , then one of the lecturers in my school , fyi for those who don't know , i'm still a poly student, albeit an oversized one -.- back to the story. The fella is a biz start-up module lect. so he was reading a book on entrepreneurship and i told him straight in the face: "the best book for that is not the one you're reading. The best school you could possibly go to for entrepreneurship or biz in general is the school of hard knocks! so ditch that book and make your kids do more action rather than going back to the drawing board." </div>
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I still remember till this day , someone once told me : "a product that has been through the drawing board 2-3 time will still be at the drawing board for more than 10 times if you don't throw caution to the wind and release it, only then will you tweak your product to suit the users "</div>
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<span style="font-size: x-large;">6) LEAVE NO ONE BEHIND !</span></div>
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When you've made your mark and achieved enough to help people , do help , or even better , when your biz is well expanded and you wanna take a break , mentor a budding entrepreneur , INSPIRE someone :)</div>
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Here's a song for you to listen , just feel the emotions and read my post again. You'll have something more :)</div>
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Cheers, here's ken signing off , till next time </div>
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Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001tag:blogger.com,1999:blog-3222083185354759627.post-7823426623505277912015-01-10T01:17:00.000+08:002015-01-10T01:17:07.571+08:00Bull or Bear? YOU decideHi peeps<br />
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Ken back with my naggy nonsense again. So a few days back while i was having a mac meal with a friendly engineer cum trader , investor and another young investor (yes dext, this is for you ) , these terms consistently popped up.<br />
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(Ps. Please bear with my musings in singlish and for those that don't understand , uncle google is there and i learnt from a friend that there is a singlish online guide? LOL, enjoy)<br />
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<span style="font-size: x-large;"><span style="color: lime;">BULL</span> / <span style="color: lime;">BEAR</span></span></div>
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Notice i put both terms in green? It's for a reason and the topic at hand today is <span style="color: lime;">PERSP</span>E<span style="color: red;">CTIVE</span> . </div>
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You see ah , one can <span style="color: red;">b*</span> and tell you that oh , <span style="color: red;">oil is dipping</span> , <span style="color: blue;">bull is running on WS and APAC</span> is looking uptrend la bla bla bla .... i'm not saying that they are wrong , but what i'm saying is , are you vested wrongly ? </div>
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Or is your portfolio not suited for the current climate? <span style="color: red;">What i'm saying is that people know how to tweak their portfolios , so should you!</span> TBH , u wanna whack O&G when the market is having diarrhea , allow me to call the emergency services for you, thereafter , you pick up the tab! This is exactly what is happening , you're some people's lifebuoy , i quote le friendly engineer " the market is fair " . Behind every george soros are scores of goondu sotongs that got thrown into the deep fryer er...air fryer la , now healthier , no need use oil (pun intended) </div>
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<span style="font-size: x-large;">1)</span> See ah , <span style="color: red;">when eg. oil is plunging</span> , <span style="color: blue; font-size: x-large;">look for bargains</span> la , doesn't mean it plunges then u look another way!</div>
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Mai Kong Wa Bo Jio , your <span style="color: blue;">eyes open big big </span>, see which sectors looking bullish setup or whatever setup and u jeep into it BASED ON YOUR JUDGEMENT , don't say oh ... so and so guru tell me to buy in wor! (Auntie who was midnite shopping at the hypermart, if u are reading this , this is for you) See pic below , or i intro u the latest i phone 6plus ? Sure make your trading more shun one ! i sell u 1000sgd plus 2500 warranty ai mai? (warranty for one day only!)</div>
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Don't wanna monitor or moody or need to go grocery shopping then don't cao cao suka suka , just follow the 'tips' wor , scarli is the blind leading the blind ! The market work for almost 5 days a week , GLOBALLY , mian kia , mai kia , 24hrs give u also scared yr hands not enuf dexterity wor! </div>
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<span style="color: lime; font-size: x-large;">2) BROADEN YOUR VISION</span></div>
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Hello , doesn't mean that <span style="color: red;">oil is plunging</span> , means <span style="color: red;">everything is plunging</span> leh! <span style="color: blue; font-size: large;">SOMETHING SOMEWHERE MUST BE GOING UP RIGHT? LOGIC RIGHT?</span></div>
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<span style="color: blue; font-size: x-large;">USD leh? EURO leh? GOLD leh? Silver leh? Tech shares leh? Renewable energy leh?</span></div>
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<span style="font-size: x-large;"><span style="color: lime;">Stick to your goals, tweak your battle plans!</span></span></div>
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Makes sense? </div>
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3) FOLLOW some of our valued investors , lepak one corner minum teh susu , or teh tarik , or teh o , whichever gam chye :p </div>
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<span style="color: red; font-size: x-large;">HELLO , TRADING IS NOT 24/7 365& 1/4 days der!</span> </div>
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<span style="color: blue; font-size: x-large;"><b>You are a human being</b></span> ,<span style="color: lime;"> pls chill one corner and rest or go walk walk , keep emotions in check and then come back lor</span> , or <span style="color: blue;">best still, build up ammo by doing research (YOUR OWN ONE) and wait and sit for the right timing to jeep! </span></div>
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OK , this is it peeps , just a short post from ken , cheers till the next time and see the quote below and listen to the song(s) for those GEN Y , pls listen to both versions (unless u hate techno) and for those GEN X , please take a listen to the non-techno version , and the techno one too, if you like it :p</div>
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<br /><object width="320" height="266" class="BLOGGER-youtube-video" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0" data-thumbnail-src="https://ytimg.googleusercontent.com/vi/yCC_b5WHLX0/0.jpg"><param name="movie" value="https://youtube.googleapis.com/v/yCC_b5WHLX0&source=uds" /><param name="bgcolor" value="#FFFFFF" /><param name="allowFullScreen" value="true" /><embed width="320" height="266" src="https://youtube.googleapis.com/v/yCC_b5WHLX0&source=uds" type="application/x-shockwave-flash" allowfullscreen="true"></embed></object></div>
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NON-TECHNO</div>
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TECHNO :)</div>
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Till the next time</div>
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Cheers</div>
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Ken.</div>
Kenhttp://www.blogger.com/profile/00690367533992017533noreply@blogger.com0Singapore1.352083 103.819836000000010.8441055 103.174389 1.8600605 104.46528300000001