Rainbow on FI

라라랄라 라라라라 랄라 라라라라 라라라랄라 lalalala lalalala... 사랑 찾아 인생을 찾아 하루종일 숨이 차게 뛰어다닌다 sarang chaja insaeng eu chaja, haru cong il sumi chage dwi o da nin da 서울 하늘 하늘 아래서 내 꿈도 가까이 온다 so ul hanuel hanuel araeso, nae kumdo (bupo) kakkai onda 사랑도 있고 우정도 있고 하늘 아래 살고 있고 sarangdo iko ucongdo iko haneul arae, salko iko 저마다 다른 인생속에 또 하루를 바쁘게 산다 somada dareun insaeng soke, ddo harureul bappeu ke sanda 우리 인생 살다 보면 힘든 날도 수없이 찾아오지만 uri insaeng salda bomyon, him deun naldo su opsi chaja o jiman 사랑하나 그 사랑하나 찾으려고 몸부림 치네 sarang hana keu sarang hana, chajeu ryo ko mompurim jine 사랑찾아 인생을 찾아 하루종일 숨이 차게 뛰어 다닌다 sarang chaja insaeng eul chaja, harujongil somi chake dwi o da nin da 서울 하늘 하늘 아래서 내 꿈도 가까이 온다 so ul haneul haneul araeso nae pumdo(bupo) kakka i onda ... 사랑을 알고 우정도 알고 정 하나로 살고있고 sarang eul arko, ujongdo arko, jong hanaro salko iko 저마다 값진 인생 속에 또 하루를 바쁘게 산다 jomada kapjin insaeng soke, ddo harureul bappeu ke sanda 우리 인생 살다 보면 힘든 날도 수없이 찾아 오지만 uri insaeng salda bomyon, him deun naldo

I was tempted into buying SembCorp marine shares last week as the price has fallen to $3.60 but unfortunately (or rather fortunately) my order did not get filled. This week I see the price continue falling to $3.52 today. How low will it go? And when will it get oversold? In view of the crude oil price crash, Sembcorp vs Keppel Corp, which would you pick? Why? Read more about its reviews here: http://sgx.i3investor.com/servlets/ptres/7357.jsp ----------------------------------------------------- Update: 4/3/16 I would consider my order not getting filled a fortune. Because price hit a record low of $1.40 before retracing upwards. That was a whooping 60% fall! Speaking of catching a falling knife, this is a sharp and long one. :S

1) Find the right card to use Know what you spend most at and get a card that gives the most perks for that category of spending. For instance, if you drive and always top up Petrol at SPC then POSB everyday card might be a good choice due to the attractive daily$ rebate. If you love retail therapy then Citibank Rewards card might be a good one for accumulating reward points and perks. Compare credit cards here http://www.moneysmart.sg/credit-cards . 2) Remember to redeem Don't let your credit card points accumulate to neverland. Most of them come with an expiry date eg. UOB's smart$ (6 months), Standchart's reward points (3 years), DBS Capitarewards (1 year)... These points could be used to offset purchases from participating merchants or shopping vouchers. Citibank Premier miles reward and POSB's daily$ have no expiry dates (correct me if I am wrong). 3) Cashback - lovin' it Do not like redeeming from merchants or request vouchers (what's m

It's been 2 months since I joined Amore Fitness and I can feel my muscles strength and endurance improving. Although my stamina is still bad as I haven't gone for any cardio activities. Here's what I like and dislike about it. Like: - Has a vast variety of classes from dances like hip hop, Bollywood to pilates and yoga. - Has classes spanning over many time slots almost through out the day. - Walk-ins gym and classes (except for a few peak hour classes have to book 1 week in advance) - They have many instructors so if you don't like one, can always choose another class to go to. - Clean venue, big lockers, convenient location and ladies-only (for the branch I signed up at) - Shower facility and towels provided Dislike: - Need $160 sign up fee (for member card) - Only when you have the time to go consistently will you get your 1 month $138 unlimited gym (one club) sign up worth. If you go by per entry it is simply too expensive. - Instructors don't h

This is a phrase from the '108 Adages of Wisdom' app which I have downloaded to my phone (I like motivational quotes on my phone so I can view them very often). I laughed when I first saw it because it sounded so contradictory - how can a busy person have the most time? But as I think deeper into the words, they do make sense... When you are busy doing purposeful things, you actually will have more time than you thought because you could accomplish more. When you are diligent in exercising and watching your diet, you will have better health. That is what I eventually deciphered. But contrary to diligence, discipline is just as important. -- I signed up for the Amore $78 trial package to have a feel of the classes they have to offer. Because I paid, I felt more compelled to go. Even the free $100 ActiveSG is not enticing enough to make me go swimming regularly. Although I would say it is still a good effort by the sg government to encourage citizens / PR to embark on e

Stage I - The startup At budding stage, you acquire the capital that you need and plan for the "business" you want to do by choosing the education / course of interest to you. If the course you graduate from is of hot demand, you will find yourself some very good offers.  You are not afraid to try new things and fail. You want to see what works and what doesn't. Stage II - Stabilization and expansion At this stage, you already have the foundation for your "business". You start to acquire more skills, knowledge, network and experience relevant to expanding it and see its Net Asset Value grow. While doing so, you gotta watch and calculate your 'free cash flow' so that you can better plan for investments or save up for the rainy days.  Operating cash flow would be your daily expenses and investments made. You could diversify your "business" by taking up courses and picking up skills that would allow you to side-track should your main "

This is a popular online multi-player card game from China using poker-description cards which was introduced by one friend of mine years ago. There are many variants to play in the game and that's what makes it really fun. Here are some take-aways lessons that can be applied to real life. 1) 谋事在人, 成事在天. Even if you are the best strategist in the world, you cannot win if heaven doesn't deal you a good hand. There is no such thing as fairness. Although like 'cash-is-king', here 'card-is-king' but if you hold 10 lousy cards, you would still lose to someone with 4 good cards. 2) People in the same team need to rely on synergism. Every character has their own strengths and weaknesses, So don't look down on anybody even if the skill does not seem powerful persay. 3) 欲速则不达. Sometimes it takes patience, sometimes it takes sacrifices to win a game. You could sacrifice after dealing a final blow to the enemy in a strategic way for your team to win eventual

Google has mailed me a pleasant surprise - money for my blog's AdSense. Something which I did not expect as putting ads on my blog is purely experimental and knowing that my locally blog is far from a hit. Nevertheless, I am happy to find another source of income besides working, saving and investing. Not a very reliable source though, haha. If you found any value in my blog or enjoyed any of my humble posts here, please show some support by simply clicking on any of my Adsense. Hopefully I can get another mail from Google in time to come this year. // I opened an Online Trading account with Standard Chartered Bank today. Yes, as you guessed it - for the attractive 0.2% brokerage fees. The flip side is that all the shares bought will be under the custodian of the bank and all transactions are to be made with cash upfront. STI^ waivering at 3080 today. Looks like the Ukraine issue is still causing much market concerns. ***

I was tempted to buy in AimsAmp due to the good dividend yield . Then then then... luckily I saw on a blog that I follow that they have rights issue - OFFER OF 7 FOR 40 @ SGD 1.08. No wonder the price dropped and thus the good % yield! I think I shall wait for a while for its price to stabilise before I do anything. It's now trading at $1.31. A few other reits I am looking at now is CDL, Frasers Centrepoint and Starhill global. Bought CapitaRetail China. Just a few points here to remind myself: * Sometimes dividend yield can be a deceiving figure. Since % is correlated to the share price. Look also at the absolute figure to see whether it is in actual fact increasing or decreasing. * A chart gives only a 2D representation of a stock (one-sided view) but we must look at the entire 3D view of a stock before making a judgement. As behind every major fluctuation in a stock (which seems independent of the macro market), lies a story to be uncovered... * The magnitude of d

The sudden increase in Saizen's share price after the Japan Tsunami kept me wondering for a while, but just a short while before I found out what's the cause of the price hike. It is not that the company has truly recovered and risen in value over such a short period, it is due to a stocks consolidation exercise aka a reverse split . So don't be too enthusiastic to buy in a stock that has suddenly risen without finding out the real reason behind. The actual market capitalization of the stock actually remained the same. As quoted from Investopedia: "This procedure is typically used by companies with low share prices that would like to increase these prices to either gain more respectability in the market or to prevent the company from being delisted (many stock exchanges will delist stocks if they fall below a certain price per share). For example, in a reverse 5-for-1 split, 10 million outstanding shares at 50 cents each would now become two million shares outstand

This fast battery drain in android phone (specifically my Samsung S3) could happen after a system update, which besides giving me a slight change of interface it also gave me a plummeting battery life. I can charge my phone to full before I sleep and the next day woke up with only about 30% left. Damn frustrating. What I did was to do a cache update. Now how to do that? 1) After turning off the phone for 5 seconds, go to system set up by holding the Volume Up/Down, Home, & the Power button. Continue to hold all three until the screen flashes, then release all buttons. 2) Select using the Volume and power button - Cache update. 3) The system will restart itself. Battery life increased by a considerably 3 folds thereafter. =) Others also suggested clear cache, or turning off all those useless Samsung programs that's running in the background. Just check your RAM, if you see a lot of RAM used, probably all those are from junk programs are eating up your battery life. G

I have just figured out how to acquire the MAC address for input into the "Add allowed devices" for my Samsung Galaxy's mobile hotspot. On the laptop go to Network and Sharing Centre >> Network Connections >> right click on the Android AP network icon >> view Status >> Details >> Look under Physical Address >> Give your device a name and key in all the pairs of alphabets / numbers into the MAC address field pop up in your mobile device Taddah... Now only your laptop can tap onto your mobile hotspot! ;) ***