As from April 2013 my Journey in Investing is to create Retirement Income for Life till 80 years old for two over market cycles of Bull and Bear.

Welcome to Ministry of Wealth and Gifts for your loved ones!

This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

"For the things we have to learn before we can do them, we learn by doing them." - Aristotle

It is here where I share with you how I did it! FREE Education in stock market wisdom.

Think Investing as Tug of War - Read more? Click and scroll down



Important Notice and Attention: If you are looking for such ideas; here is the wrong blog to visit.

Value Investing
Dividend/Income Investing
Technical Analysis and Charting
Stock Tips

Tuesday, 3 May 2016

The Way Of Ants

CW8888 as role model Ant?

Plan in decades: His matured life insurance as now into self-insured for next few decades.

Think in years: His financial and investment goals including emergency goals. His household expenses tracking. All in years!

Work in months: Make a living from his monthly salary. Tracking his monthly CPF contributions. Month after month; this is how he build up his sustainable fixed income cash flow for life.


Live in days: Living on borrowed time; he certainly aware that tomorrow never come. LOL!

Monday, 2 May 2016

Money Brings Happiness??? (2) - Re-posting!


Whenever Uncle8888 came across any blog posts about money and happiness. He can't help but to recall that happy face!

No Theory. No Concept. No Hypothesis!

Real Happiness. Real Money Lesson.  Real People!

How much money is required to make someone smiling truly from his heart!

Money is relative so is happiness. At least some will truly experiencing that few moments of wonder and happiness!

Read? Money Brings Happiness??? (2)


Sunday, 1 May 2016

Your Spouse: Love Him/Her More!


Just a short stay of 4 days, Uncle8888 made this observation ...

Relatives, friends, colleagues, and even their children all come and go. The ones who are the last person to leave or stay the longest are their spouses.

The surviving spouse is the one who suffers the most when we are the first ones to go down into helpless state.



What May Have Kept Us To Continue Working?


The difference in confidence level of serious retail investors and non/casual retail investors when come to retirement planning.

Medical benefits and/or Not Enough?



Pre- Retirement Monthly Household Expenses Pattern or Trend


If you have not been doing it; it is good to start from this month.

Remember it is TRACKING to know the NUMBER and not so much about CONTROLLING to REDUCE expenses as reducing will have some trade offs. It will involve some restraints and sacrifices. Pros and Cons always! Not easy!











Saturday, 30 April 2016

Save more than 60%. No need to invest??? (4)


Read? Save more than 60%. No need to invest??? (3)


This 61 yrs old ex-colleague came to visit me.

... then talking on retirement. She said she is on target to retire next year at 62 and she is not seeking for re-employment to 65 or 67.

She said she has more than enough saving and with CPF Life she can retire comfortably in her current lifestyle.

She doesn't have any single investment. She doesn't believe in investing and will not do so in the future. Why bother with the market?

She is single. She lives simply, satisfying and leaving the rest in the hand of God! She prayed for me to get well faster!






Are We Frugal When We Need Medical Treatment? We Need Class A???


 
 
 
 
How bad are the food in B1 for this frugal blogger who believe in practice even when he is dying without an entitlement mindset?
 
Not much different to his typical chye fan meals except missing his favorite fish item. This is understandable as fish is not cost effective as meal item.
 







 
 
 
 
 
 
 
 


Friday, 29 April 2016

FLU With High Fever : The Hidden Fatal Risk For Senior Citizens


This post The Nature Of Ants and Grasshoppers could have been the last post here!


Uncle8888 was down with flu with high fever last Sunday and Monday on one day MC.

BTW, who doesn't have flu with high fever?

After one MC day, Tuesday morning he got up as usual but with some giddiness felt. He went to pass his first urine and then proceeded to brush his teeth ....

He fainted!

Crash got sound (SMOL)

Auntie8888 rushed out and found him lying on the ground with tooth paste foam all over his mouth and she finally managed to wake him up.

Auntie8888: "You know where are you?"

Uncle8888: "Sleeping!"

Auntie8888: "You fainted!"

Uncle8888: Hmm ...


But, he still managed to sit up and rested for a while. Nothing unusual felt so he stood up and continue to brush his teeth. After brushing his teeth; while he was washing his face; he fainted again!

This time, Auntie8888 saw it coming but was too slow to grab hold of him!

Crash got bigger sound (SMOL)

His head hit against the kitchen's window wall white tiles.

This time took awhile for him to wake up and Auntie8888 has called for ambulance.

A common flu with high fever that ended up with 4 days stay at Tan Tock Seng with many tests done to narrow down the root cause of uncommon two spells of fainting within half-an-hour.

Brain scan
Chest X-Ray
Liver, stomach, intestine ultra sound
Heart (main suspect) - Two rounds of ECG
Stool

Drawing a few tubes of blood for more tests and since he is NPC survivor, doctor included other tests to detect any cancer relapses.

The doctor kept repeating to know how was his urine behavior since he is near 60. Possible prostate cancer may be the doctor's main concern.

Fortunately, all blood tests and other tests cleared.

Assoc Professor who is the ward teaching consultant concluded that the fainting was due to severe dehydration from high fever and causing BP to fall so low to trigger the sudden fainting.

The second morning BP test result was still so low.
















Nose and throat swab tests further confirmed it was FLU!

The Moral of the Story ....

Life is fragile.

One incident of FLU with high fever may contain hidden fatal risks for senior citizens.

Uncle8888 did learn something from this incident. Men must take note of falling risk during high fever. The morning first pee will lower our BP. During high fever over the night our body may be dehydrated and causing the BP to drop. The first pee added another drop. That additional drop in BP may trigger the fainting.







Saturday, 23 April 2016

The Nature Of Ants and Grasshoppers


Hmm .... somehow have this observation made from encounters in the cyber world and from fellow colleagues.


When we see older Ants still busy collecting foods; they are likely to be married with children.


When we see older Grasshoppers still dancing in the Rain; they are likely to be singles.


Chun bo?

The Power Of The Freedom To Choose and Pick!


CW8888: Finally, this CEO opens his eyes by giving his customers The Freedom To Pick and Choose!.

Same as us, financial bloggers aims to empower ourselves with Time Freedom and Financial Freedom as enabler to the real motive behind all these efforts - The Freedom To Pick and Choose our options.



McDonald's earnings surge as CEO hails turnaround

[NEW YORK] All-day breakfast and the "McPick2" value promotion lifted McDonald's US sales in the first quarter, enabling the fast food company to score a big jump in earnings released on Friday.
The burger chain, which installed Steve Easterbrook as chief executive a year ago with a mission to turn around its sagging business, scored net income of US$1.1 billion, up 35.4 per cent from the year-ago period.

The results mark the third straight quarter of earnings growth under Easterbrook, who has put improved customer service at the center of efforts to reinvigorate the 61-year-old restaurant chain.
"I'm pleased to report that our turnaround is taking hold," he said in a statement on Friday. "The ongoing investments we're making in running great restaurants and delivering what matters most to our customers are beginning to yield sustained positive results."

Friday, 22 April 2016

Good Dividend Paying Stock Over Long Run: When Right How Good? When Wrong How Bad?


Kep Corp XD Today and with the bad news from Sete Brasil; it came stumbling down!


Good Dividend Paying Stock Over Long Run:

When Right How Good?

When Wrong How Bad?

Uncle8888 has done both.

Bought it low @ $1.32, Bought it high @ $12.14 and most importantly he stayed long enough in the stock market to make a Real People and Real case study.


See what really happen after that ...

See closely and carefully. Make your own conclusion!















Pasar Malam: See What Are They Selling Now?




Be Good At Saving Is Not ENOUGH! Better Be Good At INVESTING TOO!


Every time Uncle8888 looks at it ...



This IMAGE shouted back clearly and loudly to his investing MIND.

What should have been done better!


How about you?

What did you see?

What is your own judgement?



Thursday, 21 April 2016

True Story of ToTo JackPot Group 1 Winners in 1988!


Today, one time winner of ToTo JackPot Group 1 and three time winners of ToTo Group 2 shared his lucky story with Uncle8888.

That year in 1988, three of them shared ToTo System 9. Each one contributed three numbers for System 9.

First person: All his three numbers tio (His favourite three numbers)

Second person: Two numbers tio (Anyhow give three numbers)

Third person: One number tio. (He was a newbie in ToTo. He had a few numbers to choose. It was his third time joining the group whenever ToTo JackPot hit $XM to make it worthwhile for the trio to share for System 9)

Regrettably, the third person changed his mind on his last number and pick a different number; otherwise; they could have tio  6+1, Group 1 and Group 2 in the same draw!


This is LUCK!



Time Freedom. Financial Freedom. The Right To Pick and Choose???


How to appreciate time freedom and financial freedom and giving us the right to pick and choose?

How about these examples?

Private Car Driver (Uber) vs. SBS Bus Driver


The car drivers after dropping their last passengers can choose to continue or lim kopi. Right?


Private Tutor vs. School Teacher


Not happy with the f... student the private tutor can drop that student. Right?


See the difference?

Time Freedom. Financial Freedom. The Right To Pick and Choose!











Tuesday, 19 April 2016

Planning & Tracking Financial Goals and Household Expenses!



Planning & Tracking Financial Goals and Household Expenses is NOT THE SAME as Giam Siap/NOT spending much money. (Extreme frugality)

Those who are really good at their planning & tracking financial goals and household expense like Ants can still afford to spend prudently. 

Why does Grasshoppers like to think that Ants don't spend and dance in the Rain?

Are Ants perpetual hoarder of wealth and die Rich and Grasshoppers will die penniless?


Real Tracking. Real Spending.

Any visible sign of hoarding money in the Banks?


One colleague was telling Uncle8888 that if he started tracking his household expenses his spouse will be very unhappy.

He is like many others who are mistaken.

Tracking household expenses is NOT SAME as controlling expenses.

We track our household expenses to maintain good records of past household expenses so that we will know how much is enough for retirement income with high level of confidence.







Monday, 18 April 2016

A well-planned retirement can be meaningful and enjoyable!


CW8888: True! Here you can also read Real People. Real Story about one Ant and his planned retirement in Sep 2016.

Unlike Grasshoppers they got lucky when Mother Nature said to them "Time to Retire. Go , go, go ... and dance in the rain"

See the difference?

What if they are unlucky, work until drop dead arh?

We reap what we sow or let Mother Nature drops free Lunch?

















Saturday, 16 April 2016

Question of Net Worth vs. Cash Flow??? (2)


Read? Question of Net Worth vs. Cash Flow???


An interesting question for Uncle8888 to think and answer it.

 
The true measure of your wealth is how much you would be worth if you lost all your money
 
Answer: He will be worthless or zero value. Even with his dead body it is still the same as he has no life insurance coverage.
 
 
With his zero human asset; he has to plan and manage his financial wealth carefully like what most Ants do.
 
Ants know exactly what are their numbers.
 
 
His net worth is classified into three categories:
 
(1) Non-market volatile assets (All cash and CPF OA but exclude emergency cash)
 
(2) Self-insured medical and health fund (CPF RA, SA, MA, and emergency cash)
 
(3) Volatile assets (stocks in local SGX)
 
 
 
 
 
 
His total cash flow will be coming from three sources:
 
Estimated Total Cash Flow Outcome for 2016
 
 
After Uncle8888's 60th birthday in Sep 2016, he will UNJOB himself from the corporate world from minding Bosses' KPIs to minding his own money and receives cash flow as follows:


(1) Basic Annual Pay (It is more like fixed income with small variation on year-to-year) : Interests

(2) Variable Bonus: Dividends from his local SGX stocks portfolio.

(3) Performance Incentive or Claw backTrading P/L. This is 100% performance based on his trading skill or craft. It is either incentive or claw back. 

 
 
 
 

Friday, 15 April 2016

Question of Net Worth vs. Cash Flow???


When you have this burning question in your mind that is bothering you it showed that you are still earning an income from your job and NOT yet fully retired. Right?

High net worth but lacking of cash flow; they may have to eat grass very soon if they still insist on hanging to their high net worth status!






Thursday, 14 April 2016

Count down to Senior Citizen status on 14 Sep 2016 and enjoy senior citizen benefits!


Uncle8888 is looking forward to his unlimited travel on bus and MRT (BMW) for $60 per month for local sightseeing and food hunts!


Anyone providing free kopi somewhere to hear his investing stories and strategies since his transportation cost has been fixed and time is free? LOL!







 
 
 
 
Concession Pass



Benefit



Price
 
Hybrid Concession Pass (HCP)
Unlimited rides on basic bus services and trains$60

Popup : Sign of Desperateness???


Uncle8888 still sometime forgot which blogs to ignore but click into the blog and then click again for that annoying popup.

These bloggers should have mechanism to remember our option and don't push that popup to readers again and again.

Wednesday, 13 April 2016

Will You Try To Pay Off Your Housing Loan ASAP If You Have One? (7)




Read? More than 1 in 2 Singaporeans doomed to retire under a pile of debt


Will You Try To Pay Off Your Housing Loan ASAP If You Have One?


At every recession, we will read again and again!

Heng ah!

"We don't have many financial commitments - our car was scrapped last year and the housing loan is paid up, so we're not hit so badly," says Ms Chew, who is taking a break before job hunting.


How many folks out there get it?


Read? Help! I've been retrenched

Home for Living and not for profit taking (12)


Read? Home for Living and not for profit taking (11)


HOME as an asset class is NOT what we are thinking when we still have control over our thinking and know how to count it financially. But, when the day arrives and we can't count. It will be totally different and sad story!

There are many known cases of financial hardship of those asset rich people living in landed properties. They just can't let it go even they are suffering now. They rather die asset rich!

HOME can be very emotional and not as easy as we are thinking now as we cannot know how we are thinking in the next 20 or 30 years time living in the same HOME.




Retirement Planning : Investing wisely - not in financial or material wealth but in meaningful relationships with their loved ones


We know most financial and investment bloggers are investing wisely and hope that many more bloggers are role model ....

We reap what we sow. This is natural law. Hard to escape from it.

Invest wisely in four pillars of happiness.


Read? More on Happiness



Monday, 11 April 2016

How much do people earn?


Sunday, 10 April 2016

How to Make Your Money Last: The Indispensable Retirement Guide

Borrowed it from NLB as usual.

Rightsize Your Life.

You're never afraid to open your bank statement when you you're living your means.



I score distinctions in my exam but not in the stock market (Re-visit)


Read? I score distinctions in my exam but not in the stock market


For some retail investors, even after few decades of investing, reading and learning in the investing domain, it doesn't really matter as they can't manage to escape from Greed, Fear, Hate and DEEP LOVE!

3M's in investing: Method, Mind and Money Management.



Real Story. Real People. Real DEEP LOVE!


Uncle8888 asked this guy what is he monitoring and studying now!

Super Group!


Hmm ... after some cut losses and still sitting on paper losses by averaging down Super Group to large position; but forced to cut some losses to sleep better at night. He still haven't never give up on his Super Group.

DEEP LOVE indeed!


"We don't need to win back in the same manner that we have lost it." - Createwealth8888




Where Is The Volality That Is Seriously Affecting Us? Asset Value Or Cash Flow?



Uncle8888's Wealth Formula:

Wealth = Asset Value + Cash Flow


Look at the two images closely!

What is your thinking now?

Should we be seriously over concern about market stock price volatility if we have been managing our cash flow reasonably well enough to meet our liquidity need year after year?
































Saturday, 9 April 2016

GLP


OSIM raises offer price by 2 cents


Read? OSIM raises offer price by 2 cents

Biosensors taken private.

OSIM also taken private.

With more cash rotting in the enlarged War Chest, Uncle8888 has to find replacement stocks soon; otherwise next year will be squeezed on dividends for cash flow as retirement income for life.








Friday, 8 April 2016

Re-employment age raised to 67 on Jul 1, 2017


CW8888: Good news for those like to work longer.


SINGAPORE: The re-employment age of older workers will be raised from 65 to 67 on Jul 1, 2017, Minister of State for Manpower Sam Tan announced in Parliament on Friday (Apr 8) as part of the Committee of Supply debate.


He added that the additional wage offset of 3 per cent for employers who re-employ workers above the age of 65, which is currently in place, will continue to Jul 1, 2017, as previously announced.

EXPANDED RE-EMPLOYMENT OPTIONS

Mr Tan also announced new re-employment options for employees. Noting that employers can sometimes help workers secure re-employment in a related or subsidiary company, the Minister of State said that the law will be amended to allow a new employer to take on the re-employment obligations of the the original employer.

This will be subject to the employee's agreement, and will take effect Jul 1. 

And in the situation where re-employment in not possible, the Employment Assistance Payment amounts and age coverage will be increased accordingly, said Mr Tan.

To help employers and workers be prepared for the upcoming changes, the Tripartite Guidelines on the Re-employment of Older Employees has been updated, and will be released over the next few weeks, the Minister of State said.

WAGE CUT PROVISION REMOVED

Mr Tan also announced that the wage cut provision - which allowed employers to reduce wages of workers turning 60 by up to 10 per cent - will be removed from Jul 1, 2017.

He noted that the provision was no longer relevant, as more than 98 per cent of companies no longer reduce wages at 60.

"Going forward, pay should be reflective of workers' job scope and value, rather than their age," said Mr Tan.
 

Thursday, 7 April 2016

My Passive Income!!!




Uncle8888's passive income is from his CPF OA and FDs. It is passive but quite fixed income.

Ready to come and poke? LOL!

Wednesday, 6 April 2016

Keppel FELS Brasil wins FPSO project worth over 500m real from MODEC

KEPPEL Offshore & Marine Ltd (Keppel O&M), through its subsidiary, Keppel FELS Brasil SA's BrasFELS shipyard, has been awarded a floating production storage and offloading (FPSO) module fabrication and integration project by its repeat customer MODEC Offshore Production Systems (Singapore) Pte Ltd - a MODEC Inc group (MODEC) company - for a contract value of over 500 million real (S$190 million).

BrasFELS' work scope for this project comprises the fabrication and integration of nine topside production modules for the FPSO Cidade de Campos dos Goytacazes MV29, Keppel said in an announcement after the market closed on Wednesday.

The vessel is expected to arrive at the shipyard by the first quarter of 2017 for the integration phase.

The most established offshore shipyard in the Latin American region, BrasFELS has successfully completed a range of construction, integration, upgrading and repair projects over the years, Keppel said.

When completed, the FPSO Cidade de Campos dos Goytacazes MV29 will have the capacity to process 150,000 barrels of oil per day and five million cubic metres of gas per day. The unit's storage capacity is 1.6 million barrels of oil.

Round 5: ROC 27.4%, more than 7 yrs, B $0.655 S $0.84


Taken private and more cash is rotting!

OSIM next!


Round 5: ROC 27.4%,  more than 7 yrs, B $0.655 S $0.84Round 4: ROC 28.1%, 1,192 days, B $1.03 S $1.35
Round 3: ROC 28.1%, 1,186 days, B $1.03 S $1.33
Round 2: ROC 22.1%, 1,022 days, B $0.98 S $1.21
Round 1: ROC 1.1%, 1 day, B $0.830 S $0.845

Salted Fish, No Stop Losses, Paper Losses, Paper Gains, Cash is Rotting or Cash is King???



Uncle8888 fully understands all these terms and he has transparently accounted for all - Financially and Mathematically.

So what wrong with his performance when he benchmarked it against the world's well known investors?


Is this strategy working for him?

There is no right Method but only right result when it is still working right!












Tuesday, 5 April 2016

Recent Visit To Changi Hospital C Ward on last Saturday and Yesterday


Ward C!

His relative has been awarded for a few days.

No aircon. No TV.

Uncle8888 didn't hear his relative cow pa cow bu about the facility or meals; but worry about staying too long and incur higher medical bill.

Whose who hardly can afford will graciously accept it. No need to compare it. Right?

This is between Money and Choice or Default to C Ward!





Monday, 4 April 2016

PE of Bloggers???


Read? The Value of (The) Boring Investor Blog

His PE is 12.


How about CW8888's Blog?

Ads revenue is zero so his PE is zero!

This is bankrupt blog and should be suspended!















Sunday, 3 April 2016

Investing Goals Can Anyhow???


This morning just read about ...


... I aim to get $20,000 a month in passive income by the age of 28. (Editorial error?)


Now he is 21 with about $110K investment portfolio.

Passive income is about account size!


We have Ants and Grasshopper with their idea and views about goal setting and then what insect like this?




Saturday, 2 April 2016

Smart Money Grabbers over dummy investors (8)



Read? Smart Money Grabbers over dummy investors (7)

Read? New app to track big players' share trades


CW8888: Good to read the words coming from ex "Guru" or Snake Oil King to become rich in trading!

One colleague paid $8K for a couple special rate discount so that the couple can trade together to get rich faster.


One Guru may have gone but a few more new Gurus will appear to take money from unending source of weak minded Bei Kambing.

Bei Kambing never learn or they are too young to know about history of "Gurus" or Snake Oil Kings promising you how to become rich in the market? You can do it! Register fast. Thank you for full house event. LOL!



Mr Chiang was involved in a well-publicised case in 2009, when people who had paid to attend his options trading seminars sued him for refunds after discovering his PhD was from an unaccredited university.

Mr Chiang said: "I paid the price for that mistake and lost my business and, worse, my credibility among some people...

"But I try to improve myself and I try to grow from there."

Spiking is backed by Quest Ventures and a grant from the National Research Foundation. Mr Chiang hopes to close a $1 million seed-funding round in the next few months to fund expansion into Hong Kong and Australia.

Q1 2016 Investment Performance Report


Read? 2015 Investment Performance Report


2016: The Year when investing in the Land of Distribution and De-cumulation of Wealth begins ...


 
 
 
The Strategy
 
 
 
Embracing Three Taps Solutions to Retirement Income For Life Model
 
Estimated Total Cash Flow Outcome for 2016
 
 
After Uncle8888's 60th birthday in Sep 2016, he will UNJOB himself from the corporate world from minding Bosses' KPIs to minding his own money and receives cash flow as follows:


(1) Basic Annual Pay (It is more like fixed income with small variation on year-to-year) : Interests


(2) Variable Bonus: Dividends from his local SGX stocks portfolio.

(3) Performance Incentive or Claw backTrading P/L. This is 100% performance based on his trading skill or craft. It is either incentive or claw back. 
 
Knowing his annual household living expenses









Sources of Cash Flow





 
 
Plan B (Backup Cash Flow from Tap 1)
 
Not depending 100% on Mr. Market for survival!
 
Building Sustainable Retirement Income For Life
 
 
 
Survival Tap No 1: Cover 90% of  Highest Annual Household Expenses  Since 2002 @ 2.5% Inflation Rate Till 2038 (81+ years old)
 
 
 
 
A Goal-based Approach Investing Strategy 


Uncle8888 has adopted a Goal-based Approach investing strategy by setting for himself a 10-year progressive Goal Targets to be achieved for each year from 2012 to 2021.



Our investing journey is not Horse Race or Rat Race where we compete against others.  No! It is our investment Marathon Race where we set our own pace and compete against ourselves to win our own race.




Year 5: Q1 2016 Result for Tap No 3 (Cash Flow from Investment Portfolio)



 Achieved 35.7% against 44% of 2021 Goal Targets.


 



 

Investment Portfolio XIRR


 
Track, Measure and Visualize! 
  
Without doing it; how to revise investing strategies and to improve year-on-year investing performance? 



 Investment Portfolio's XIRR includes all investable cash plus the current stocks value at market closing price as on 31 Mar 2016.

Since one year ago: -8.5%
Since 1 Nov 2008: 0.43%
Since 1 Jan 2003: +7.4%
Since 1 Jan 2000: +6.9%






 The reality of riding market cycles of Bull and Bear
 











 
 

Monday, 28 March 2016

One Good Reason To Invest ....

 
Other than reaching FIRE,  most of us after the official retirement age, we will still have that many years to support ourselves and our passion. Our passion may not be another career!
 
 
... "Ultimately, investing is a path to freedom. You can basically do anything you want to if you have enough wealth to underpin your lifestyle"
 
 
 
 

Sunday, 27 March 2016

Singapore is an Island But .....


Singapore is an island but still lack of fishing spots. 

That is an amazing Joke!

So many past fishing spots are banned now.

From North to South.

From East to West.



 
 
 

Investing in O&G: Past, Present, and Future!


Kep Corp and SembCorp Ind are not pure O & G play.

Uncle8888 has been in them long enough for active long and short plays to tell the real story behind them. 

No concept or theory whatsoever!

It is Real People, Real Holding and Real Pain in the Ass when they are the top 2 holding in his portfolio with their daily stock price movement!

Kep Corp since Sep 2001 after Sep 11 WTC Attack and SCI since Dec 2002 after Solitaire case caused its stock price to tumble.

How bad after so many years of Buy and Hold?

How great is trading in and out?


See for yourself and deduce your conclusion ...

Market timing and Time in the Market?

or Both?

No Right Method Ever?

Stop looking for one?


Read? Kep Corp : Bought @ $9.64 for Round 95

Read? SembCorp Industries (SCI): Bought @ $4.97 for Round 54






Saturday, 26 March 2016

Batman v Superman: Dawn of Justice










We are fans of Batman and Superman!

Life: The role reversal!

Father brought sons to movie; but now is son brought father to movie.

Jog To Waterway Point (3)


Read? Jog To Waterway Point (2)

Where next after Waterway Point?


After 1 hr and 40 mins of jogging; Uncle8888 came to Lor Buangkok and stopped out at Yio Chu Kang road and then walked to Hougang Point mall for 100 Plus drink to cool down.

So he has completed both Serangoon and Punggol Waterway.

These two waterways are part of Singapore's Four Taps water solution. Massive amount of water when he realized it while jogging along these two waterways.

Thumb up!



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