Tuesday, March 21, 2017

Interview With Jes Of SimplyJesMe Blog

It has been a while since my last "Interview With The Fellow Investors" series, 4 months plus to be exact. Of course, I want to make this as evergreen blog series, as long as there is willing interviewees, I will ensure its continuity.

Our next interviewer is the second lady blogger in this series, she is Jes from SimplyJesMe blog (I like the name). Even though I've not met her personally but I drop by her blog occasionally. 

Without further ado, let's start the ball rolling....

Q1 : Can you give us a brief introduction about yourself?
A1 : I am Jes, a 30 years old Singaporean who is doing SimplyJesMe just for the love of sharing my thoughts. It does not have a niche like others, I blog about everything that I like, such as free and easy travelling tips, personal finance and stories to push people into action. Actually I started the blog and aim to be a financial blogger with my first post on OCBC 360, but I found I am not keen to keep talking about stocks and FA, which led me to blog about my travels and others.

Q2 : Are you a full-time or part-time investor at the moment?
A2 : I am a part time investor in stocks, not pro enough to go full time at all.

Q3 : When (at what age) did you start investing in shares and who has influenced you the most?
A3 : I started investing at 25 years old after some influence from my parents. My first stock was Olam thanks to a tip by a good friend. After which, I started to read up actively on passive investing. “Rich dad, poor dad” and “One up on wall street” gave me more insights into the world of investing.

Q4 : Do you view yourself as long-term (holding shares in years), short-term investor (holding shares in days/months) or mixture?
A4 : I am usually a long term investor but would go short term if I feel that the stock is over valued. However, till now I still have not started to cut loss so I am earning money with only book loss!

Q5 : What is your basis of selecting the shares to invest (e.g. basing on fundamental analysis, technical analysis or other methods/sources [share a little bit more details if it is the latter])?
A5 : I based it more on fundamental analysis. Peter Lynch’s formula in “One up on wall street” is a good guide and I slowly fine tune it to the current market situations. I believe people need to start investing so that they will monitor their stocks and learn from the actual experience. Most friends I know are stuck at the stage where they do not dare to invest out of fear of the high risk.

Q6 : What is your targeted and achieved annual rate of returns (%) so far?  
A6 : My targeted rate of returns : 8 %
        My achieved rate of returns : 5% (Including book loss)

Q7 : What is your most recommended online investing resource (site or blog) to share with our readers?
A7 : Investopedia.com, and all the other blogs recommended on my blog. 

Q8 : Besides shares, what other investment are you involved in (e.g. Real Estates, Bonds or REITs etc)?
A8 : My own business SnackFirst.com, where I strive to provide happiness in the form of snacks from all over the world. 

Q9 : What is your Portfolio Distribution like?
A9 : 60% equities, 40% cash. Besides stocks, I also invest monthly and passively in STI ETF through POEMS Sharebuilder.

Q10 : If the readers what to get in touch with you, how to get hold of you? (Sharing of your website/blog/social media profile etc..)
A10 : They can contact me through SimplyJesMe/SnackFirst contact me page, Facebook, Twitter or Instagram.

Last but not least, if you are a retail investor and would like to be featured in my "Interview With The Fellow Investors" blog series, please feel free to email me at investopenly@gmail.com 

Also, for the complete list of my interviewees and their posts, check it out here.


Saturday, March 18, 2017

Super Group - Time To Accept The Offer!

Ever since the news broke out in Nov 2016 that Super Group (S10) might be acquired by Dutch tea and coffee company Jacobs Douwe Egberts (JDE), the share price has hiked 34% to $1.30, as at yesterday (17/03/2017), which is also the offer price. For more details of the earlier news, check out the Straits Times article here

Five months later, finally received the official cash offer documentation in a super thick package. Of course, for a minion-size shareholder like me, the natural logical reaction is to accept the offer, even though it will be at a lose as I got it at the peak ($1.465). 

The funny thing is I noticed that there is no FFA (Form Of Acceptance and Authorisation) and self-address envelope being attached to the package, which is usually the case as per one of my more seasoned friend (this is the first time I received such offer document). So, never take thing for granted, it is not a perfect world after all! lol 

So, the recourse is to download the FFA from the SGX site, which I did, luckily the offer document did provide an easy to understand steps to download the form ourselves. The next step is to mail it out before the offer closing date. Oh, by the way, if you have not already know, the closing date has been extended to 25th Apr 2017, Tue (from the original 11th Apr 2017, Tue)   

Also, as highlighted by one of my other friend, the share price did went up to 1.305 brieflyly this week, I am rather puzzled, why would some one buy it at an higher price now? Anyone has any clue? :-) 

Are you vested in Super Group, will you be accepting the Offer? 


Tuesday, March 14, 2017

Singapore's Hospitality Trusts Comparison - Which One Came Out Top?

Hospitality Trusts In Singapore
Personally, I have a number of REITs (Real Estate Investment Trusts) and quite inclined to this investment instrument. One of the main reason of course is for the Dividend Yield. Am currently vested in Accordia Golf Trust, Soilbuild Business Trust, Lippo Malls Trust and Cache Logistic Trust, mostly minion size though. 

On second look, I noticed one thing! I haven't been vested in any Hospitality Trust before. Hence, this triggered me to look deeper in all the Hospitality Trusts available in Singapore and did a brief comparison (see below):

Hospitality Trusts In Singapore
Singapore's Hospitality Trusts Comparison (sorted by Name)
In fact, there are not that many Hospitality Trusts around, six to be exact. Those yellow highlights are deemed favorable indicators and out of the six, Far East Hospitality Trust (Q5T) came out top, purely by comparison. Besides, I quite like the fact that it has not launched any Rights Issue so far, which I viewed it as a positive sign. 

Having said that, there are a few things about Far East Hospitality Trust worth considering before making the plunge :

1. Declining business performance in view of the competitive market:
Far East Hospitality Trust
Source : Presentation Slides of Far East Hospitality Trust
2. Declining Dividend Distribution History:

Far East Hospitality Trust Dividend Distribution History
Far East Hospitality Trust - Dividend History
3. Concentration risk - Far East Hospitality Trust only has Hotels/Residence in Singapore and the market is rather competitive. 

Are you vested with Far East Hospitality Trust? What is your view? 


P/S: Do you own due diligent (DYODD)

Sunday, March 12, 2017

Kimly IPO - The Complete Resources

By now, I am pretty sure that most of the retail investors know that the upcoming IPO in Singapore is non-other than the home-grown traditional coffee shop, Kimly Limited (金味)

Everyone are excited about it! Or is it? 

Anyway, following are some of the gist of Kimly's IPO:

Company                 : Kimly Limited
IPO Price                 : $0.25 per share
Size of IPO Shares  : 3.8 millions shares
IPO Close On          : 16th March 2017 (Thu), 12 PM
First Trading Date   : 20th March 2017 (Mon)

For those who like to read up more more details, check out the Kimly IPO Prospectus and Product Highlights Sheet.

I've also took this opportunity to briefly comb through the financial blogshere and and generally gotten the signal that it would be a hot chilli padi.. (read : positive)

If you are keen to see what are the other local financial bloggers' views and analysis about this upcoming IPO, check out the links below:  

1. From my friend, Brian (owner of A Path To Forever Financial Freedom) : Kimly Limited IPO - Should You Be Getting This?

2. From  Singapore IPOs (Mr IPO) : Kimly Limited (note: Mr IPO is vested in this company, probably through the Private Placement)

3. From 10% Per Annum : Kimly IPO - Exciting Stuff?

4. From Singapore Stock Investing (SSI) : Kimly IPO

Oh, if you are new to IPO and not sure how many shares to buy, check out the timely analysis done by The Finance SG : How much shares should I apply in a IPO?

Personally, I will be trying my luck next week too! :-) Having said that, with mere 3.8 millions shares, I think you got to be very lucky to get it :-)


Monday, March 6, 2017

Logan - 3 Things We Can Learnt From It (About Life and Investing)

After the big hoo-hah on the upcoming 30% water price hike (from Budget 2017), the latest viral news that keep popping-up in my social media profiles is non-other than the just-released blockbuster movie, Logan

Logan, supposedly the last installment of the standalone Wolverine movie to be helmed by Hugh Jackman, as the titular role). To me, it is also the BEST wolverine movie thus far and possibly the best X-men movies too.

It is refreshing, it is bold (rated M18 in Singapore and rated R in the USA) and it is unforgiving-ly emotional. 

Every good movie can teach us one or two things about life (or for that matter, about investing). So, following are the 3 things that I've learnt from Logan, the movie :

1. Everyone go through the similar life cycle about life struggles (at some point in life), going through aging and death. Regardless of who you are and how powerful or wealthy you are (or used to be), I am sure you have your fair share of struggles (in life or about life) and ultimately, the end result is almost the same i.e. aged and certain death. The only different is : when and for how long (in relation to the struggles and aging)?

So, while we are still healthy and full of energy, make a difference to the people around us (positively). Just like how Logan helped the young mutants to escape from the villain. Of course, if you are good in investing or making some extra passive incomes, do share your "secrets" too! :-)
Aged Logan aka Wolverine
2. There is/are always someone better than we are. Again, regardless of how powerful, skillful or wealthy you are, there is/are always someone else one notch better than you. The only way to go about it is to accept the fact, live life humbly and embrace each other. You thought wolverine with the blood thirsty claws and self-healing power is unbeatable? Wait till you see the X-23 aka Laura Kinney (by Dafne Keen).

Same thing in investing, if you think you are unbeatable and found a sure-win formula, don't be too happy as yet... :-)
Logan x23
X-23 in Logan
3.  Collaboration is the way to go in life. In the movie, all the young mutants collaborate together (with the help of Logan) to fight against and won over the villains. To win in life, we need to collaborate with others and embrace each others' strength and weakness so as to win over every day's life challenges. If you win alone, it still means you are losing something.

How do we collaborate in investing? I guess by discussing/sharing some financial and market news/insights among the peer retail investors is one way of collaboration. Currently, the most effective way to do it is via Whatsapp chat group! Those friends in my financial bloggers chat group know what I am talking about :-) 

If you've not watched the movie yet, what are you waiting for?

If you are still not convinced, do check out my non-spoiler review here:

Or the movie trailer here:

Have you watched Logan? What is your review?


Saturday, February 25, 2017

The Rise And All Of Leicester City In The EPL (Guest Post)

I predicted before the start of the season that Leicester would get relegated before they ever won the EPL again but I didn’t expect my prediction to come true so quickly. Leicester have all always been a bit of a yo-yo club but at least this time when they go down, the can say they won the EPL, something only 5 other clubs have done. Whatever Leicester players achieve in the rest of their careers, they'll never top last season. All the energy was put into winning the title last season and there's no fight or hunger left anymore. Changing manager would help but it would be a difficult and harsh decision considering what Ranieri achieved last season.

Though all the signs are there, Leicester are yet to be officially relegated. Many people on online betting facebook pages are predicting Leicester to go down but are they making the right assumption? Leicester still has some very good players at the club and the club doesn’t currently sit in the bottom 3 so basically everything is still in its hands. Add to this the fact that the club has still got fixtures against teams below it in the table including games against Sunderland, Bournemouth, Palace, and Hull. The flip side is that Leicester has Arsenal, Everton, Man City, and West Ham away plus home ties against Liverpool and Spurs. The aforementioned clubs are either fighting for the title or CL/Europa places so I don’t expect Leicester to pick many points from the games mentioned above. Nonetheless, the club has enough opportunities to take points off relegation rivals so if I was a Leicester fan I would't be throwing the towel in just yet.

Contrary to what many people are saying, I do consider Ranieri worthy of the credit and praise he got for Leicester winning the EPL last season. Ranieri did an amazing job last season. He did a great job of building on Learson’s success. He made Leicester tactically brilliant and took them to their first ever EPL title. For that, he will always be a legend. What is happening this year is a shame but you cannot put all the blame for it on the manager. Many people have contributed to the debacle and there is a collective responsibility. Also, it is apparent that there is something the players aren’t happy about. As they’ve already given their backing to the manager, the problem is probably with game prep or wages. This clearly points to one thing: the owners and not the manager are responsible for Leicester’s fall from greatness this season.

Last season, Ranieri took over the team and managed it well but his real test was this season. Though he tried everything in his locker, Ranieri couldn’t prevent Leicester from hovering just above the relegation zone for the majority of the current season. The good thing is that Leicester’s fall from grace and abysmal performance will be quickly forgotten if Ranieri manages to save the club from relegation.

Friday, February 17, 2017

Bid Farewell To UMS Temporarily

This is will be a rather short post. 

Finally, made my first transaction in 2017 yesterday. I have decided to release all my UMS shares at 70 cents yesterday. In fact, UMS is one of my best performing stock so far (about 27% capital yield, excluding dividend). 

The reason for my selling? Because it has met my threshold and its P/BV (Price over Book Value) is at a higher side now (at 1.55). 

I strongly believed that I will get back into it again in the near future as the business is still in good shape and the dividend yield (8.8%) remains tempting. UMS has been paying me 6 cents annually for the past 2 years.

Are you vested in UMS? If yes, are you considering realizing some profits from the recent price hike too? 


Monday, February 6, 2017

Ladies have Earrings And Gentlemen Have Cufflinks (Guest Post)

When come to fashionable accessories, ladies have the the upper hand as compared to gentlemen. Of course, nowadays there are many accessories which are unisex, like wristband, necklace and even earrings, especially for the youngsters. 

If you asked me, one of the more masculine and yet fashionable accessories is cufflinks. My first encounter with cufflinks was during my engagement ceremony umpteen years ago (> 15 years). In fact, that was the first time I get to know that there is such a miniature functional thing in the world and I wore it during my engagement ceremony for the first time. Yeah, I got to admit that fashion is not my cup of tea then, in fact, even till now :-) 

I remember during that time, online shopping is unheard of and we got to go around a couple of big departmental stores to look for the right design that match my shirt/coat. 

Nowadays, you can get your favorite cufflinks at the comfort of your own home and get it delivered to your door step within the same day (free of charge). One of the local online stores providing such specific service is Eminence Cufflinks

There are plenty of designs to choose from and one of my favorite is called Heterodoxe, a mini-watch movement mechanism (industrialist steampunk theme) with a balance wheel that oscillates when wound. It is suitable for business-wear as well as casual occasion.   

Heterodoxe cufflink 1
Heterodoxe cufflink 2
Oh yeah, Valentine's Day is just around the corner, for ladies, maybe you can consider getting cufflinks as the Valentine's Day gift for your man.      


Saturday, February 4, 2017

Brief Take Away from My Recent Eastern Europe Trip

I am back and HAPPY CHINESE NEW YEAR to everyone!

Time flies, just back from my 10 days trip to Eastern Europe, covering 5 countries (Germany, Poland, Czech Republic, Hungary and Austria) and brief stop over at Slovakia for lunch. So, theoretically should be covering 6 countries. :-)

It is winter at Europe and our first time experiencing the brain-freezing, limbs numbing sub-zero temperature (the lowest was -8%), which is no fun if you are outdoor for an extended hours. Overall, it was a great experience and we (me and my wife) thoroughly enjoyed the trip.

There are a few take-away from this trip which I would like to share here...

1. Always do homework before the trip, even though it is a group tour. Just like in investment, even though you are going to invest in some unit trusts or ETF (which are supposed to be "managed" by the pros), you still need to do some homework about what you are getting yourself into or finding out something that you can't do without (e.g. minimum dividend yield). For our trip, I did an extensive research for the pre-paid data plan(s) and I think I managed to get a really value-for-money deal (in my opinion) from our very own provider, Changi Recommends.

It's called "Pay As You Go" from three.co.uk @ SGD 48 (with 4 GB data and validity period of 30 days, upon activation. The best part is that it is covering almost all the European countries, including UK). My tour manager told me that it is not advisable to get it from Europe as usually their plan only restricted to one or few countries only. Highly recommended if you need to be in always-connected mode. Note: most hotels and restaurants in European countries do have wifi service but the network stability is of no guarantee.    

2. Always get yourself covered! I am referring to the Travel Insurance here. Even though I didn't make any claim out of this trip (touch wood) but there was a pick pocket incident happened to one of our travel mate. A police report was made and hope he can get some compensation from his Travel Insurance. For Travel Insurance needs, I usually go to gobear.com.sg  

3. Most important thing to do during travelling is to ENJOY ourselves. For long-haul group tour, usually there will be few optional tours (i.e. we need to fork out additional $ for the tours). For example, in our case, there is an optional tour to the Wieliczka Salt Mine (one of the UNESCO site) at Krakow, Poland @ Euro 55 per person. Prior to the trip, we already made some research (related to item #1) and decided to go for this must-visit place of interest and we all did! It was a great experience walking down (via wooden staircase) 320+ meters underground, witnessing the marvelous salt sculptures as well as tasting the really salty stream. We thoroughly enjoyed it. 

Wieliczka Salt Mine
Wieliczka Salt Mine
Wieliczka Salt Mine
4. Keep an open mind. You may be surprise at the inferior level of customer service at some of the European countries, and many of the servicing staff at the shops or malls cannot converse well in English. So, just need to be patience, speak slowly and open your ear big big :-)


Saturday, January 21, 2017

Money Is A Story....

Seth Godin
I am currently in the midst of reading a gigantic book called "Tools Of Titans" (from Tim Ferriss, the famous author that brought us 4-hour workweek in 2007).  Effectively, it is a compilation of key takeaways from his previous interviews/podcasts with the hundreds of successful heavyweights over the world, including Tony Robbins, Arnold Schwarzenegger, Seth Godin, Jamie Foxx, Peter Thiel and many many more... 

Tim cleverly categorized zillions of gems into three key segments : HEALTHY, WEALTHY and WISE. I am still at page 587 of 1,596 of the ebook and it just happens to be the interview of one of my favorite author : Seth Godin (he maintained a blog with daily nuggets of meaningful post, check it out here). So, the title of this blog post is not from me, it was actually from Seth Godin (under the WEALTHY segment). The complete sentence (extracted from the book, Tools Of Titans) is as follows:

"Money is a story... And it's better to tell a story about money you're happy with" 

I like it because it's kind of abstract (from the first sight) but when you think deeper, it's kind of true too. The way I interpret it is : money can be a friend or foe, depending on how we manage it (or it manages us in some situation), we should always aim to share an happy story about money (whatever it is to you).   

How do you interpret this...?


Wednesday, January 18, 2017

Infographic - All You Need To Know About HDB Loan And Bank Loan (Guest Post)

Buying a HDB flat for the first time can be an intimidating experience. It’s probably the first big ticket purchase in your life that will take the next couple of decades to pay off, so you’d definitely want to rake in as much savings as you can.

Perhaps you have not really thought about what kind of loan to take up. If you don’t already know, you have a choice between taking up a HDB or bank loan, as long as you are eligible for them.

You might want to hold on to your cash and pay off your home loans using your CPF, but did you know that taking up a bank loan allows you to pay less interest? This is because bank interest rates are lower as compared to the CPF Ordinary Account (OA) interest rate which home loans are pegged to.

And while the down payment required to take up a bank loan may be higher – at 20%, with at least 5% paid in cash as compared to 10% with a HDB loan, fully payable with your CPF –you get to enjoy greater flexibility in retaining your savings in your CPF OA. Conversely, upon the collection of keys to your new home, HDB will wipe out your CPF OA balance to reduce the loan quantum required for you to service.

In the following infographic, we run through the main factors to consider while taking up a home loan for your HDB flat, and the main differences between taking up a HDB loan and a bank loan.

To find out more about taking up a bank loan vs. a HDB loan, refer to our full guide at Ultimate Guide On Singapore Home Loan

This is a guest post from Redbrick Mortgage Advisory.

The team at Redbrick Mortgage Advisory has more than 60 years of banking experience and is proficient in structuring and sourcing for the best financing terms for both residential and commercial real estate in Singapore, Malaysia, USA, UK, Japan, Thailand and Australia.

Saturday, January 14, 2017

What This GHOST Tought Me About Investing?

No, I am not talking about the famous 1990 Ghost movie by Patrick Swayze and Demi Moore!

No, I am also not talking about any ghosts in the Ghostbusters movies.

In fact, I am not even talking about any ghost from any of the Hong Kong movies/series. 

What I am referring to is an old Korean TV drama series called Ghost (or Phantom). It was released in 2012 (5 years ago) and is not an horror genre. It is a detective drama revolved around a team of cyber unit (computer forensics unit) with intriguing and twisting plots. Personally, I am not a K-drama fan and in fact this is the only K-drama that I managed to complete the whole series.

So, what have I learnt from this K-drama series that I am trying to relate to investing (stock in general)?

Here we go.....

1. The way I chanced upon this K-drama series?
As I mentioned earlier, I am not a K-drama fan, so how did I chance upon this K-drama series and got hooked ever since? It all started with a fantastic and superbly acted horror movie called "The Wailing" (2016) which I watched on the New Year Day. The superb performance of the main actor (Kwak Do-Won) immediately caught my eyes and after a brief "research" on his previous works, it lead me to this gem (Ghost), of which he won the best supporting actor in one of the Korea Drama Awards. As they said, the rest is history.
The Wailing - If you are an horror movie fan, you got to watch this!!!
If you think about it, it kind of resemblance on how many retail investors chanced upon a gem stock (value buy) in the massive sea of stocks. Usually, it started with one company that lead us to yet another some-how related company(ies) that we found value in. For example, you might be invested in Company A and satisfied with its performance (value), after reading through their Annual Reports and related market news, it might leads you to dig deeper into its partners, suppliers or even key customers, of which, some of them might just be another gem.

So, keep digging (researching) as there are always gems waiting to be uncovered. 

2. The Plot
One of the reason that I managed to complete the whole series in (my) record time (20 episodes in 1.5 weeks) is because of its intriguing plots and twists. In one episode, you might thought that the Good is winning the "race", next, they are at wits' end (fighting for their lives). The key? Both are constantly digging out/uncovering the new (or hidden) trace of information and made quick and informed decision/action out of it. The good vs evils continue to outwit each others numerous times throughout the show.

Of course, at the end, the good wins but it is a hell of the ride.

Ain't stock market work the same? At one point, your counter(s) might be shooting up the roof with better-than-expected business results etc, next, they are tumbling down because of the weak micro-economic news (or whatever). The Ups and Downs will continue regardless of how hard you evaluate the counters. Having said that, it is important to constantly making use of the new set of information like the quarterly business results, pertinent micro-economic news etc.. to make decisive decision whether to continue to hold, add or release. 

Of course, we are not in the TV series setting whereby the good always win but with that momentum, I am sure we will have a better chance in winning. In any case, we can't win all the time!      

Have you seen any good movie/series recently that set you thinking?


Saturday, January 7, 2017

January Is A Busy Month For Me!

January, new year resolution
For the past few years, January seems to be my travelling month and there is no difference for this year. Will be heading to Eastern Europe during Chinese New Year period. So, yes, I will be away from the blogsphere during this period :-)

So, spending quite a fair bit of time sourcing for the right tour package since mid-December 2016 (finally decided to go with Chan Brothers), sourcing/buying the winter clothing (just attended the tour briefing yesterday, January will be the coldest month in Europe), sourcing for the travel insurance etc.. Talking about travel insurance, will be getting it from GoBear as I have good experience in buying much cheaper travel insurance from the site previously. 

So, yes, January will be a busy month for me to accumulate more life experience, I noticed that the more years I've lived (i.e. the more "senior" I am), I am more willing to spend [time and money] on new life experiences (like getting to know new friends, doing/learning something new, travelling etc...) than materials stuff (like new clothing, new gadgets etc...). 

Directly or indirectly, it also means that I will have low or no action in the stock market this month, it's not like I have plenty of action in other months, in the first place :-) For those who are deploying your cash recently, hope you have a huatful year, so far, it is a good start for most of the counters in the first week of 2017. 

Lastly, just like to end this post with the following inspirational quote (from web) : 
Inspirational Quote
Inspirational Quote (from web)

Monday, January 2, 2017

My "Rojak" Sharing #1 in 2017

Time fly, we are already at the second day of 2017, in less than one month's time, we will be celebrating the Chinese New Year (CNY), the Year Of Rooster. I will be travelling oversea during this year's CNY and looking forward to the upcoming group tour (it has been a while since our last group tour to US many years back). 

As I always said, life is not always about money or investment alone, so, I decided to start a regular sharing of anything under the sun that I chanced upon and find it interesting to share. I called it Rojak Sharing. Why rojak? Because it is really rojak (Malay word for mixture of stuff) :-) 

On high level, I will start my first Rojak serving (I means sharing) with the following "fruits" :

1. The Movie - Being a movie buff, how can I not share some good movie that I've just watched? Chinese there is a saying : 独乐乐不如众乐乐! (loosely translated into : instead of enjoying myself alone, it is better off to be enjoyed together with others) 

2. The Facebook Page - Facebook, being the hottest social media at the moment, there are plenty of good stuff (mostly informative and entertaining) we can get freely from there. So, why not?  

3. The Site - I will share any website or blog that I find worth my time and "got liao" (with good content).

4. The Kang Tao (Hokkien  word for hot tips) - Any tip that I can find online or offline...

The Movie :
Finally! I managed to watch one of the highly acclaimed Korean horror movie of 2016, The Wailing (哭声). It worth every second of my time.

It is suspenseful! It is intense! It did everything right for an horror movie. All the casts are excellence in their performance too.

It is a movie with most ambiguous ending but with a purpose. I am sure you will be cracking your head after the ending credits and trying to find clue to decipher the movie i.e. is he a good guy? Is there really ghost or demon? 

If you like Asian horror movie and missed this movie for whatever reason, don't miss it again!
The Wailing (Korean Movie)

The Facebook Page:
Many motivational or entrepreneur gurus like to ask his/her followers to THINK BIG! Today, I am going to share an Facebook Page called BIG THINK. There are regular sharing of insights by the popular/famous authors/entrepreneurs/thinkers..It will really open your mind...

The Site:
James Altucher, the author/podcaster/entrepreneur/investor that I get to know only recently, after a fellow blogger friend introduced a book by him to me, Choose Yourself. I've completed the book and continue to read his follow-up book entitled, Choose Yourself Guide To Wealth. His perspective is really out of the box and mostly sharing of his personal experience. You might not buy all his ideas but some of them like Ideas Machine, Idea Sex (nothing sexual) and Daily Practice are pretty cool!

The reason why I recommend his site (James Altucher) is because there are regular podcast series with the other famous authors/entrepreneurs like Dan Ariely (author of many popular books, like Predictably Irrational, The (Honest) Truth About Dishonesty), Scott Adams (creator of Dilbert comic) etc... lot's of insights again.

The Kang Tao:
I used to make monthly remittance to my Malaysia credit card via a remittance house and being charged $10 for the remittance fee. Recently, I got to know that they are no longer making remittance to Malaysia bank and hence I need to look for other sources. That's where I found DBS Remit service with $0 transfer fee to 9 countries (Malaysia is one of it! Yeay).

The best part is, I can make the transfer at the convenient of my home or office via the Internet Banking and the money is remitted on the same day. And the best best part is that for the time being, you can do it with $0 transfer fee (not sure how long the free transfer will last but I managed to take the opportunity and made the first transfer successfully).

For more details, you can check out DBS Remit here.

That's all from me today!

Hope you enjoy my rojak and wish all my readers have a great 2017 ahead!


Wednesday, December 28, 2016

Your Options For Funeral Insurance (Guest Post)

Most people do not want to start on the topic of reviewing their options for Funeral Insurance. The good news is that it is not as daunting as so many make it seem. In fact, many people enjoy comparison shopping when it comes to insurance policies.

Funeral insurance costs are designed to cover all the expenses of your funeral. The thing about some plans is that when you subscribe to these, you end up paying more in premium payments. Some of the risks associated with these include:

  • Premiums that can be fixed or increased every year which vary according to your gender and certain habits, such as smoking and drinking.
  • When premiums are not fixed, you won’t know how much the amount rises in the years to come. This can be tricky, especially if you like to plan your cash flow ahead of time.
  • If you do the math, you will find that premiums can actually add up to around four times the real cost of the funeral.
  • Probably the worst thing about these policies is that as soon as you stop paying, the amount that you did put into the policy is no longer there for you to claim and neither is the insurance coverage on any partial level.
Fortunately, there are other suitable options that you can go for, such as life insurance policies, funeral bonds, and pre-paid funeral plan solutions. 

Funeral Bonds
Funeral bonds are offered by friendly societies and life insurance companies. They require you to make a lump-sum payment and pay in installments. The money is then invested and can be used to cover for a funeral. The bond can either be in one person’s name or a joint agreement between two people. With a joint plan, the benefit is paid at the time of the death of the first owner.

Life Insurance
There is a great alternative to getting yourself a feasible funeral plan; plain old life insurance! Life insurance works as a standalone policy as well as a superannuation fund. The amount that is covered does not only include insurance for funeral costs, but also results in a payout for the people close to you, especially those who rely on you.

Pre-paid Plans
The pre-paid option covers either part or all of your funeral expenses. Usually, this is done at current prices. The services that you pay for are covered at the time of death no matter how much the plan costs at that particular time. 

There are plenty of ways you can pre-pay for your funeral through these plans. You can go for Small Contributory Funds where you make regular, small payments. The Pre-Purchases Plan is where you pay for a cemetery plot, the wall niche and the spot in the memorial ground. You pay for the entire funeral in the Pre-paid Funeral Policies. You can even make a deposit to pay installments over time. However, it should be noted that not all services offer a refund when you decide to cancel.

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