Sunday, 14 August 2016

Luck or Hard work to Catch 'Em All?

I can't believe I am now back to my old-school-days-craze of Pokemon catching. Those were the times when I was glued to the TV catching every weekly episode and watching my cousins play Nintendo gameboy roleplay version of catching Pokemon on pixelated screen. Almost 20 years later, people on the street of Singapore, from kids to uncles aunties, are glued to their handphone playing Pokemon Go - the evolved and more 'powderful' version.

What I have learnt for everyday life by being part of this craze (besides not to dash around dangerously):

1) Do your research

There are certain tricks and background information to everything. Why I ended up with Squirtle instead of Pikachu? Because I didn't do my research lor... =.=
Same for investing - if you didn't do your research properly and just go with the norm, chances are you would not be getting the good 'hidden' stuff.

2) Increasing your chance of luck also need technique

You don't expect sitting around your house to catch some rare Pokemon. You can only catch them by moving your ass out to places where they are touted to inhabitat. Just as the saying goes "Opportunity is for the prepared", so go to venue XXX, put up some lure and sit for X hours to greatly increase your chance.

Evolving the Pokemon also has tactic. Choose those with CP score towards the end of the scale. Better still if it is high in numerical, but the scale is more important. Because when it evolved, the CP will also be at the higher end.

So get the tactic right and plan your moves, that's very important in winning any game.

3) When all else fail, hard work prevails

What happens if you just can't get enough luck in catching a Gyarados, despite going all the way to Chinese Garden? Go and catch 101 Magikarp lah!
If you catch an average of 3-4 a day, you would get enough candies in a month's time for a magnificent evolution.

Not all shortcuts work out in life. So if you think investing is going to be a shortcut to all your financial woes, first you must make sure that it does not add to your woes. Also make sure you have a backup plan.

Quoting Uncle8888:  Wealth = Financial Asset + Human Asset

So when your investments did not work out, you know what to do huh?

Yeah, we can all be like Ash in our own ways and marking our own journeys. Happy catching!
(Why do I feel that as the seasons progress, the Pokemons just got uglier?) :P

Seen Pokemon 47 out of 147 (counting). Highest CP 482.
"So you wanna be a Master. Do you have the skill to be number 1?"

If there's pay-per-charge mobile phone charging stations (like vending machines) near Pokestops, I think it would earn pretty decently from this craze.

Tuesday, 2 August 2016

Savings account promotions

POSB is currently running a 'Get 1.55% p.a. interest for 6 months!' promotion. Check it out here.

How to get the deal?

  • Deposit fresh funds* into your POSB Fresh Funds Account by 4 August 2016.
  • Fresh funds deposit via cheque(s), cashier's order(s) and demand draft(s) must be done by 4 August 2016, 3.30pm.
  • During the POSB Fresh Funds Account opening process, you will be prompted to select an existing POSB/DBS Current or Savings Account to be used for signature reference. This same account will be used for the crediting of the Cash Gift Interest.
  • This account has no applicable fees or charges.
  • Capped at S$50,000, with no minimum amount required.
  • Maintain the fresh funds deposited in the account for 6 months until 4 February 2017.
What happens at the end of 6 months?
  • The Cash Gift Interest will be credited into your reference account by 15 March 2017. Your POSB Fresh Funds Account will thereafter be auto-closed and the funds will be credited into your reference account.

Standard Chartered Bank is running a similar promotion under its e$aver account, also offering 1.55% for <$50,000 and up to 1.7% for higher amount of deposits. However, the deal is only good till 30th Sep. Note that it is a bonus interest scheme which applies only to Fresh Funds brought in and calculated based on incremental balance in the account versus July's.

What is the bank's trending key word?

- FRESH FUND. Ah duh.

Now you know sometimes it pays to have at least 2 accounts with different banks, very literally.
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