tag:blogger.com,1999:blog-62900747079856149522024-03-19T08:49:57.758+08:00Invest OpenlyLATE IS BETTER THAN NEVER...I LEARN..I INVEST...I SHARE...! Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.comBlogger952125tag:blogger.com,1999:blog-6290074707985614952.post-74098750749161893572023-01-04T11:18:00.001+08:002023-01-04T11:18:37.233+08:002023 And Counting<div style="text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3Wz7al7-ZxG_d3OutXNjjN3eRL97r4HkuVUipUrx4P7UNKUFswDdI6_JYXoynRXRTFgOQP4j9aRJhiFHm6YkfNgr97tdIVgM4csdU7DpVqGIdOx91QenaILBaf25u69iZP98Ic0n6uP2JR3X35rN1ggVdGerBDNdOowDG6Se1_nFdpFGS_PshTqyf/s1310/medical%20Check-up.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1310" data-original-width="1125" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3Wz7al7-ZxG_d3OutXNjjN3eRL97r4HkuVUipUrx4P7UNKUFswDdI6_JYXoynRXRTFgOQP4j9aRJhiFHm6YkfNgr97tdIVgM4csdU7DpVqGIdOx91QenaILBaf25u69iZP98Ic0n6uP2JR3X35rN1ggVdGerBDNdOowDG6Se1_nFdpFGS_PshTqyf/s320/medical%20Check-up.jpg" width="275" /></a></div>Time really flies, we just celebrated the year end countdown and now we are on the fourth day of 2023. In about 2.5 weeks' time, we will be celebrating the Lunar New Year. Next year is the <b>Year of Rabbit </b>and hope that the 玉兔 will bring prosperity and health to us.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Just gotten my half-yearly medical check-up result and it is on the right track (as quoted by the doctor). It is a good enough result for someone on long term medication. Health is utmost important and most of the time, we will appreciate it more when we lose/are losing it. So, this year will continue to do more walking/hiking around Singapore as well as in the region. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Also, in December last year, I've utterly enjoyed a number of hiking/walking sessions in Malaysia (Botanic Garden in Malacca and Pinang), Waterfall hike at Gunung Ledang (in Johor), Batu Cave exploration (in Selangor, the 272 steps climb) and Balik Pulau (in Pinang) during my 8 days trip in Malaysia. It's a great experience especially you can hang around with local friends.</div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMlUwCoYiX6HSsJX2dQSxHS1Wps_ecEv2zJrR7kpW56CmUGJEQYCpxDJ1IJ5vR3RHTiwXhWILzM6xQKzIwKVD4fxkkFw3MCv7iJSEA8QimrCcbFveDHw-tQvMOcMXL_CACBFPTLSIM-Lxh51dh-JsgqpkeIdVexxLu3NgWc8imQRmvvCv2edeDt9Il/s2048/balik%20pulau%202.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1536" data-original-width="2048" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMlUwCoYiX6HSsJX2dQSxHS1Wps_ecEv2zJrR7kpW56CmUGJEQYCpxDJ1IJ5vR3RHTiwXhWILzM6xQKzIwKVD4fxkkFw3MCv7iJSEA8QimrCcbFveDHw-tQvMOcMXL_CACBFPTLSIM-Lxh51dh-JsgqpkeIdVexxLu3NgWc8imQRmvvCv2edeDt9Il/w400-h300/balik%20pulau%202.jpg" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Balik Pulau (in Pulau Pinang) 1</td></tr></tbody></table><br /><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFOe6P8fljEMo82Onkl8Fc5YemWxryNnK6LtOpE0NPgjv3lhmk9Vwxdr6OhqPVBJooiCLY4rnMAZ_aetWU5GB-qnot3GACAWo5wGZBsrkKBfGrKBm2WC7fh8N-Msx5QKDwx7Jnq6eqIB-3iGI4xA5MibtmLY8VKEKPrOqIaXDcySQFPnJsbQfvhMwQ/s2048/balik%20pulau.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1536" data-original-width="2048" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFOe6P8fljEMo82Onkl8Fc5YemWxryNnK6LtOpE0NPgjv3lhmk9Vwxdr6OhqPVBJooiCLY4rnMAZ_aetWU5GB-qnot3GACAWo5wGZBsrkKBfGrKBm2WC7fh8N-Msx5QKDwx7Jnq6eqIB-3iGI4xA5MibtmLY8VKEKPrOqIaXDcySQFPnJsbQfvhMwQ/w400-h300/balik%20pulau.jpg" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Balik Pulau (in Pulau Pinang) 2</td></tr></tbody></table><br /><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhWMLOlB9rIX8jwPZO5JJjaNrW1-5HpR9OStZVjfL16guL0oGpJ62Kq-2DWFm_5qAtoUq1x9C0QwzmiAvnZ_kCf7oeL1g5JGpaRCa6-UfsqvPTbIlAttPf0AU5d9CAFTKULsNBoXwWnqbKCY-u5wsEa2oygv5-WMWEhI1gkVxP44PtgtaKfbxvPxrZv/s2048/batu%20cave.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="2048" data-original-width="1536" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhWMLOlB9rIX8jwPZO5JJjaNrW1-5HpR9OStZVjfL16guL0oGpJ62Kq-2DWFm_5qAtoUq1x9C0QwzmiAvnZ_kCf7oeL1g5JGpaRCa6-UfsqvPTbIlAttPf0AU5d9CAFTKULsNBoXwWnqbKCY-u5wsEa2oygv5-WMWEhI1gkVxP44PtgtaKfbxvPxrZv/w300-h400/batu%20cave.jpg" width="300" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Batu Cave (in Selangor)</td></tr></tbody></table><br /><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyl4AF4h36fTAgt7FuSq-reaGip1SSCvLY8AK63OJBZVnWdjhA64rOKiO0Qv4aMhux6TqHa9hEv5no5c1ggJ9PpJqs3rkJ2y1DEaQWubWUQB2ec-ByOjTtZviI66aX51e41fJIkl9mmbWNu4Gd7pX2rLjXvk74shErxpXws2iMahPZ3ck3wbfdWQdH/s2048/botanic%20garden%20in%20malacca%201.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1536" data-original-width="2048" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyl4AF4h36fTAgt7FuSq-reaGip1SSCvLY8AK63OJBZVnWdjhA64rOKiO0Qv4aMhux6TqHa9hEv5no5c1ggJ9PpJqs3rkJ2y1DEaQWubWUQB2ec-ByOjTtZviI66aX51e41fJIkl9mmbWNu4Gd7pX2rLjXvk74shErxpXws2iMahPZ3ck3wbfdWQdH/w400-h300/botanic%20garden%20in%20malacca%201.jpg" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Botanic Garden in Malacca</td></tr></tbody></table><br /><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvHWFkT0a7tGtClrMsp7oZ-328F-Z8c4JjRipQNO39ZFt4A-hy6cTi1Dtzv6OnnlDDQ4BbkYDLy46t1emqkIhY05Vw3n6X38Sxo_WdVwLLbD9OpUOHlksNKK8m00LuXvKOa8_bWojGS4rQKmEpWDWljKzqqe0NE14AQTI0lhuk1KsoMOw8aQJxsdTa/s2048/botanic%20garden%20in%20penang1.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1536" data-original-width="2048" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvHWFkT0a7tGtClrMsp7oZ-328F-Z8c4JjRipQNO39ZFt4A-hy6cTi1Dtzv6OnnlDDQ4BbkYDLy46t1emqkIhY05Vw3n6X38Sxo_WdVwLLbD9OpUOHlksNKK8m00LuXvKOa8_bWojGS4rQKmEpWDWljKzqqe0NE14AQTI0lhuk1KsoMOw8aQJxsdTa/w400-h300/botanic%20garden%20in%20penang1.jpg" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Botanic Garden in Pulau Pinang</td></tr></tbody></table><br /><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4Yf5hkQqaaIT7GbqSzi16qveriiy2x2urXd7ZHc1kfyZ__6HXOh0_FGBZ8dXF9CHnES_1_zLYaURGs5COVRz8xlXGM3a_zmjVtDntDQoa-M5_gSA8RSQTrlV4jxCi2LyeuuQvzyw-GLSOPf2GcYfe3TFQ8G4piyrJwF4bPSdXglurWP3g_DZv34uZ/s2048/waterfall1.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="2048" data-original-width="1536" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4Yf5hkQqaaIT7GbqSzi16qveriiy2x2urXd7ZHc1kfyZ__6HXOh0_FGBZ8dXF9CHnES_1_zLYaURGs5COVRz8xlXGM3a_zmjVtDntDQoa-M5_gSA8RSQTrlV4jxCi2LyeuuQvzyw-GLSOPf2GcYfe3TFQ8G4piyrJwF4bPSdXglurWP3g_DZv34uZ/w300-h400/waterfall1.jpg" width="300" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Waterfall at Gunung Ledang (in Johor)</td></tr></tbody></table><br /><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmFUeCA8dmFbEY4hzoLvoCe8U1O5a5PeYH7NZRTgZWltuEYqhWhpFmaGwuZmLIuMnyqhZEFxmVekpKsGVTeac_cX7SVYRpJZvVmJqOAydsVfNF06tYzWByRW8wAUAXI_yZ3LcinT7W3S-K6iKT6nJPqajTPYONs3NtWyv2ZrvGkmJ57dcvdBRhgbIb/s2048/waterfall2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="2048" data-original-width="1536" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmFUeCA8dmFbEY4hzoLvoCe8U1O5a5PeYH7NZRTgZWltuEYqhWhpFmaGwuZmLIuMnyqhZEFxmVekpKsGVTeac_cX7SVYRpJZvVmJqOAydsVfNF06tYzWByRW8wAUAXI_yZ3LcinT7W3S-K6iKT6nJPqajTPYONs3NtWyv2ZrvGkmJ57dcvdBRhgbIb/w300-h400/waterfall2.jpg" width="300" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Waterfall at Gunung Ledang (in Johor)</td></tr></tbody></table><br /><div style="text-align: justify;">Investment wise, there is not much traction as I've decided to rely mostly on robo-investors instead of personally pick the stocks. The only "investment" decision that I've made right in 2022 is to withdraw my Crypto from BlockFi in June 2022 before it went underwater late last year. Kind of saving in disguise. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Since late last year, I've been taking a break from work, so probably post-CNY will start to explore around again.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Wish everyone a wonderful 2023, stay healthy and happy!</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Cheers! </div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com2tag:blogger.com,1999:blog-6290074707985614952.post-44660312281864461262022-09-14T22:19:00.003+08:002022-09-14T22:19:46.749+08:00I Am Back Soon<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLwabQJ3JER3zxhp2afcFKsBnDyiQvzQKwYi9h3h7-cvLO9B-ihzhpHsLVcSZwF9TeZRp9FBNAWjht8YYwwpvGyAFlF_I5OE4qzwHYkuYPPfAkt3Ck6FdbDEpTxSt0m7_R_D2FWe1GFOCzJW-5j7ISBkxBRxDSF5uHTo-sFLZGo4yhpfGwAwoqUDny/s468/BD200843-57DA-4F39-95B0-6E836B1AEE32.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="430" data-original-width="468" height="294" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLwabQJ3JER3zxhp2afcFKsBnDyiQvzQKwYi9h3h7-cvLO9B-ihzhpHsLVcSZwF9TeZRp9FBNAWjht8YYwwpvGyAFlF_I5OE4qzwHYkuYPPfAkt3Ck6FdbDEpTxSt0m7_R_D2FWe1GFOCzJW-5j7ISBkxBRxDSF5uHTo-sFLZGo4yhpfGwAwoqUDny/s320/BD200843-57DA-4F39-95B0-6E836B1AEE32.jpeg" width="320" /></a></div><br />It has been quite a while since my last post.<p></p><p>I am back..soon.</p><p>Meanwhile, just for a laugh!</p><p>Cheers!</p><p><br /></p><p><br /></p><p><br /></p><p><br /></p>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com2tag:blogger.com,1999:blog-6290074707985614952.post-65428024402634597072021-09-19T18:20:00.000+08:002021-09-19T18:20:20.471+08:00Book Review - The A To Z Guide To Retirement Planning<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQ6xUoghz0J-fHuhJhOafUK4XRTFBNXC-Aqf-yojQv_HjyEWfE8BB4J8AtVopNZAwZH1iuSc2V7n3ncXNm5iCHhslklq6biCVEfjq8nEDWbxxrToQF73ZXPlR7VHGDjiM5rBPh_-QA3yc/s2016/The+A+to+Z+Guide+to+Retirement+Planning+1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2016" data-original-width="1512" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQ6xUoghz0J-fHuhJhOafUK4XRTFBNXC-Aqf-yojQv_HjyEWfE8BB4J8AtVopNZAwZH1iuSc2V7n3ncXNm5iCHhslklq6biCVEfjq8nEDWbxxrToQF73ZXPlR7VHGDjiM5rBPh_-QA3yc/s320/The+A+to+Z+Guide+to+Retirement+Planning+1.jpg" width="240" /></a></div><p style="text-align: justify;">It has been a while since I last read a physical book on personal finance. Today, I am going to share my review on a book that I've just completed - <b>The A to Z Guide To Retirement Planning (2016)</b>, by a local author, Patrick Chang. </p><p style="text-align: justify;">I got to know Patrick via social media for one year plus, finally we managed to arrange for a kopi session last month and gotten a copy of this autographed book from him. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7V26nOlJPhYIefMQRKuAai5iavV_VXc1EWGZOL4ii64YH6vhq7I-jPNMw9D2KuvYqGEVv4eebuhfaPX9ORyxQu5vWZQ2qaRdv9TIK_63yBjp8MpkyRw57wScH2mbRKNfqcpkSO8UZYK8/s2016/The+A+to+Z+Guide+to+Retirement+Planning+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2016" data-original-width="1512" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7V26nOlJPhYIefMQRKuAai5iavV_VXc1EWGZOL4ii64YH6vhq7I-jPNMw9D2KuvYqGEVv4eebuhfaPX9ORyxQu5vWZQ2qaRdv9TIK_63yBjp8MpkyRw57wScH2mbRKNfqcpkSO8UZYK8/s320/The+A+to+Z+Guide+to+Retirement+Planning+2.jpg" width="240" /></a></div><p style="text-align: justify;">The book breaking down the gigantic topic of Retirement Planning into 26 chapters (hint hint from the book title :-)), make it easier to digest and readers can pick and choose whichever topics of their interest to "wallop" first as each chapter can be consumed individually. For me, I approach it systematically i.e. literally from A to Z.... </p><p style="text-align: justify;">It covers practically all the thinkable topics related to retirement planning (from cashflow, budgeting, insurance to various investment schemes etc.) and provide plenty of local use cases or examples from his own experiences as Certified Financial Planner. Besides the evolving National Schemes like Medishield Life and CPF Life, most (if not all) of the topics are ever-green. </p><p style="text-align: justify;">Of course, for a small book like this (170 pages to be exact), it only cover high level broader view of each topic and not dwelling into much details. So, for veteran, this book might seems to be too basic. Having said that, I find that it provides a very comprehensive view of areas that we need to take into consideration when come to Retirement Planning. So, it is very suitable for the newbie or beginner in the retirement planning (regardless of your age). </p><p style="text-align: justify;">Oh by the way, Patrick is also the founder of the <b><a href="https://theaffluentgame.com/" target="_blank">Affluent - The Wealth Management Game </a></b>card game. Do check it out if you are a physical card game fan. Sneak peak : the last I heard from him is that he is brewing something new on this brainchild of his. So, stay tuned!</p><p style="text-align: justify;">Cheers! </p>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com1tag:blogger.com,1999:blog-6290074707985614952.post-4132183104586377752021-09-12T09:17:00.002+08:002021-09-13T21:21:07.390+08:00Gold Investment During The Pandemic: Is It A Wise Move?<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCdYsM9Ng98zjSbB14ARqB-Q38AY-usj5W4tHJM1x1Dd9lSIPs6KPUDPbt2E45MwB_Z3m1cV_Np1OBRjtpf_HrDCiGMNS96QTUaorg9E2mwg4IfVs0qID2xmFD2_pleXgACo035rIjm5I/s851/Gold+Investment+1.PNG" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="567" data-original-width="851" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCdYsM9Ng98zjSbB14ARqB-Q38AY-usj5W4tHJM1x1Dd9lSIPs6KPUDPbt2E45MwB_Z3m1cV_Np1OBRjtpf_HrDCiGMNS96QTUaorg9E2mwg4IfVs0qID2xmFD2_pleXgACo035rIjm5I/w640-h426/Gold+Investment+1.PNG" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image Source: <b><a href="https://unsplash.com/photos/44ewivJ9t1k" target="_blank">Unsplash</a></b></td></tr></tbody></table><br /><div style="text-align: justify;">We all know that gold is one of the safest investments you can make. This is the reason why this alluring metal has long been the foundation of wealth. If it has come to your attention that since the start of the pandemic, gold has performed very well, there are several reasons for this.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><b><span style="font-size: medium;">Volatile Markets</span></b></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Global lockdowns and no-flying orders have really caused problems for the global economy. It has led to market volatility, which in turn led to private investors getting cold feet and taking their wealth out of stocks and shares and moving it into gold. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Check out one of the gold dealers that investors go for. <b><a href="https://citygoldbullion.com.au/buy-gold-brisbane/" target="_blank">City Gold Bullion has Brisbane gold bullion for sale</a></b> where you can buy, and even sell gold, at any time.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">If you happen to be in Australia, you can visit their offices and take possession of your gold.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-size: medium;"><b>An Uncertain Future</b></span></div><div style="text-align: justify;"><br /></div><div><div style="text-align: justify;">Just when we thought we reached herd immunity, the Delta variant arrived and it seems like the vaccinations don’t work, which means a very uncertain future in terms the economy. If you have shares in a company or are holding a lot of dollars in your account, now is the time to buy gold and store it at a secure facility, which greatly reduces risk. It is supply &amp; demand that influences the spot price of gold.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">While we have seen a few surges, gold has steadily rose in value, making a very attractive investment during volatile times. If you think any of your investments are underperforming or are at risk, gold is the obvious solution.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><b><span style="font-size: medium;">Steady Performer</span></b></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Gold has risen in value by 23% since the first wave of Covid hit Wuhan and the demand for gold is growing as more and more investors get cold feet and move into gold, which sends the price up. The currency markets are like rollercoaster and the US dollar is underperforming, which is a sign to sell your dollars and buy gold. Gold dealings are on the rise, mainly due to the arrival of small investors looking for a safer haven, at least until things return to normal, which might not be for a couple more years.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-size: medium;"><b>Online Solutions</b></span></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Wherever you happen to live around the globe, you are never far from a registered <b><a href="https://www.thermofisher.com/blog/mining/mining-for-gold-articles/" target="_blank">gold</a></b> bullion dealer and Google will help you to locate their offices and you can take possession of the gold. Once registered, you can login to their website and check the spot price on a daily basis. Should you wish to acquire more, you can carry out the transaction securely online and your gold will be sent by courier.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><span style="font-size: medium;"><b>Collecting Gold Coins</b></span></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0nW5ZslnF_wFVrzWJXUmfTGbo-ud7O36b26HRe8Fs4GVx79iVW6DWjHDhOO5WLeHxIdnHkvSe_yRBNoH40jSjeiLK8aYudLzf9WXecbhdnX-nBS5l-KzwssFPwsYuBKH93PbPHwtT3A0/s848/Gold+Investment+2.PNG" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="483" data-original-width="848" height="364" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0nW5ZslnF_wFVrzWJXUmfTGbo-ud7O36b26HRe8Fs4GVx79iVW6DWjHDhOO5WLeHxIdnHkvSe_yRBNoH40jSjeiLK8aYudLzf9WXecbhdnX-nBS5l-KzwssFPwsYuBKH93PbPHwtT3A0/w640-h364/Gold+Investment+2.PNG" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image Source: <b><a href="https://unsplash.com/photos/mm2oluw5UZ8" target="_blank">Unsplash</a></b></td></tr></tbody></table><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Many small investors prefer known gold coins such as the American Eagle, the American Buffalo, or the Canadian Maple Leaf, which is a great way to store your wealth. You can get the best prices from the online gold bullion dealer and selling is just as easy when the time is right. Gold is not really a good short-term investment, other than temporarily moving wealth from an investment that is at risk, or as a </div><div style="text-align: justify;">hedge against inflation.</div></div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com1tag:blogger.com,1999:blog-6290074707985614952.post-8938641915916079052021-08-08T15:22:00.002+08:002021-08-08T15:23:39.620+08:00Happy Birthday Singapore - Road Ahead<p style="text-align: center;"><b><span style="font-size: large;">HAPPY BIRTHDAY SINGAPORE!</span></b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr-toI3v8EvArqw8ynMF6xF-reAU1cOJ_RPbHeHz9BMvLIOqbcRpGjXLJo8gGZtlgd2RbpkAt4878M6sFD4GqxePENStSEGKA6ap2fcJ8Hq6ED_WigacBdiT7IrbtbWshdHpXbspSBkg4/s1000/Singapore+56+birthday.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="333" data-original-width="1000" height="214" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr-toI3v8EvArqw8ynMF6xF-reAU1cOJ_RPbHeHz9BMvLIOqbcRpGjXLJo8gGZtlgd2RbpkAt4878M6sFD4GqxePENStSEGKA6ap2fcJ8Hq6ED_WigacBdiT7IrbtbWshdHpXbspSBkg4/w640-h214/Singapore+56+birthday.png" width="640" /></a></div><br /><p style="text-align: justify;">On last Friday, we've received some good news in relation to the Covid-19 measures in Singapore. Soon (from 10 Aug 2021, Tue to be exact), Singapore will gradually relax the Covid-19 measures and the Government has also list down 4-stages of reopening (from Stage 1 of preparation to Stage 4 of Covid-Resilient Nation i.e. the "new normal"). Overall, it is a positive sign for the residents as we are finally seeing the light at the end of the tunnel.</p><p style="text-align: justify;">Having said that, we all still need to remain vigilant, continue to wear masks, maintain personal hygiene and most importantly, get yourselves vaccinated, if you have not done so (unless your situation do not allow you to do so). I am very hopeful about the road ahead of us as I am sure we will win this "war"! Also, I hope we can start to travel again (for leisure) by end of the year or beginning of next year. </p><p style="text-align: justify;">Today is also the last day of Olympic 2020 (Tokyo) and it looks like United States will top the medals table with 113 medals (table below is as accurate at <u>3PM today</u>):</p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghgMpkZ8p4tWXOrfGW4PtBgvigXf4YaSfJ3qAfSYALliL5LxvwLUFTDvBaKNlvzYD715Z4EEsFskqTSXZnhJz0b-hislrIab6eLyEkZyZehGA-8pL6PZgrPK7L-GfyQezCEP1lajkP3Fw/s864/Olympic+2020.PNG" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="535" data-original-width="864" height="248" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghgMpkZ8p4tWXOrfGW4PtBgvigXf4YaSfJ3qAfSYALliL5LxvwLUFTDvBaKNlvzYD715Z4EEsFskqTSXZnhJz0b-hislrIab6eLyEkZyZehGA-8pL6PZgrPK7L-GfyQezCEP1lajkP3Fw/w400-h248/Olympic+2020.PNG" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Olympic 2020 - Medals</td></tr></tbody></table><br /><div>There will be Live telecast of Olympic Closing Ceremony later at 6.30PM, will you be catching it? </div><div><br /></div><div>Cheers!</div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com1tag:blogger.com,1999:blog-6290074707985614952.post-57066808466951719272021-07-25T09:40:00.000+08:002021-07-25T09:40:05.197+08:00Simply Invest - A Pleasant Read<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmAoe4mRxEE3JYcdd2g8LACGBB7r9FvW1umyhTyA3jh-iMelVAXOl5osz1ItBYZuVdwBpKOnKbKfH7dbfq8GiH2w5n_EIIW6HK2eM-Bc5JDg8076tpY3_82qfvs0WmW1WQKc1L9cvWNnA/s2048/7D3D1CAF-5217-49C0-B165-AAAC684D3262.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1536" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmAoe4mRxEE3JYcdd2g8LACGBB7r9FvW1umyhTyA3jh-iMelVAXOl5osz1ItBYZuVdwBpKOnKbKfH7dbfq8GiH2w5n_EIIW6HK2eM-Bc5JDg8076tpY3_82qfvs0WmW1WQKc1L9cvWNnA/s320/7D3D1CAF-5217-49C0-B165-AAAC684D3262.jpeg" /></a></div><p></p><p>When my wife saw me holding the book (Simply Invest - Naked Truths To Grow Your Money) from afar, she made a casual comment “Eh, this book title look like your blog title”. I was like “…..” lol</p><p>Anyway, joke aside, just completed reading this 2019 book by Goh Yang Chye. Even though it doesn’t really provide any new ground/perspective, at least to me, but it is still a pleasant read with its emphasis/highlights on some of the salient points about investing eg.</p><p>“Focusing on <span style="background-color: #fcff01;">time in the market</span> instead of ‘<span style="background-color: #ffa400;">timing the market</span>”</p><p>“Invest for the <span style="background-color: #fcff01;">long term</span>”</p><p>“The importance of <span style="background-color: #fcff01;">psychological biases</span>” </p><p>“Market work in <span style="background-color: #fcff01;">cycles</span>” etc…</p><p>It doesn’t dwell very in-depth in each topic but sufficiently hit the points with relevant context like market history, charts and research results etc. Also, the book do promote certain way/style of investing (ie index/portfolio investing vs individual stock picking) which might not be aligned with all seasoned investors, so, do read it with an open mind.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgw2RXdpsugIZOtgJEPxut9cuCz_Fil68uy1uXhjjY6u8Nhd0S49JXsrcrervhJr9swU5q5neAEnI9B0ufTIXh4tQ2wAu_II-6nOgauQx2eTLNzUt854brtUxCJvv6EjI0aGzqu1aKkJ08/s2048/CF293824-C416-4394-B81A-72C4609F1A3C.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1638" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgw2RXdpsugIZOtgJEPxut9cuCz_Fil68uy1uXhjjY6u8Nhd0S49JXsrcrervhJr9swU5q5neAEnI9B0ufTIXh4tQ2wAu_II-6nOgauQx2eTLNzUt854brtUxCJvv6EjI0aGzqu1aKkJ08/w256-h320/CF293824-C416-4394-B81A-72C4609F1A3C.jpeg" title="I quite like the title of this chapter" width="256" /></a></div><p>P/S : I quite like the tile of this chapter “The ways we fool ourselves”</p><p>As we are back to Phase 2 Heightened Alert now, stay safe and stay healthy!</p><p>Cheers!</p><p><br /></p><p><br /></p>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com3tag:blogger.com,1999:blog-6290074707985614952.post-38023637669513612512021-05-23T14:29:00.001+08:002021-05-23T14:29:38.259+08:00LumiHealth - A great gamified App to keep us healthier<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirX_2YHKdIXjPoQfmudr1XJ4VYZgrfJpnUq2DdDI6nrIQyoKzEqTHpkJHbmWgOSd5BSQOQPzNhfb9p6wPcyJf7YrJ9G1uOaiwl1b38ZyP92F81L3qJo7FSsRkSyEnT7hFEuysC7e6unCM/s2048/E946EFE1-47EE-429A-A04C-D9EB50B66FFB.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1114" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirX_2YHKdIXjPoQfmudr1XJ4VYZgrfJpnUq2DdDI6nrIQyoKzEqTHpkJHbmWgOSd5BSQOQPzNhfb9p6wPcyJf7YrJ9G1uOaiwl1b38ZyP92F81L3qJo7FSsRkSyEnT7hFEuysC7e6unCM/s320/E946EFE1-47EE-429A-A04C-D9EB50B66FFB.jpeg" /></a></div><div><br /></div><div>I’ve been using <b>LumiHealth</b> - the gamified app developed jointly by HPB and Apple (as part of the country’s Smart Nation initiative) since Dec 2020. Beside reminding/guiding users to stay healthier via regular eating, exercising and sleeping tips/challenges, it is rewarding too (up to $380 rewards to be claimed over 2 years, to be exact) as long as user accepting and completing the simple challenges being initiated.</div><div><br /></div><div>For the time being, <a href="https://referral.lumihealth.sg/invite/289f3544874f42d0" target="_blank"><b>LumiHealth app</b></a> is only made available to users (age 17 and above) with iPhone (running on iOS 13.2 or later) and Apple Watch (running on WatchOS 6 or later). So if you fit the bills, I think it is a no brainer to download the free app (click <a href="https://referral.lumihealth.sg/invite/289f3544874f42d0" target="_blank"><b>here</b></a> to download), register it (via your SingPass), sync it with your Apple Watch and start to receive regular tips/challenges to stay healthier and at the same times getting rewarded for doing so. </div><div><br /></div><div>So far, I’ve reached chapter 6 of the program/game and managed to redeemed $45 HPB eVoucher over my 5 months+ tenure. I’ve used most of my eVoucher at NTUC FairPrice but there are a whole list of 45 merchants accepting these eVouchers at the moment, including Cold Storage, Popular, Unity, GV etc. just to name a few. </div><div><br /></div><div>Each eVoucher (either in $5 or $10 quantum) has a validity period of 90 days, hence, it is advisable to redeem them in smaller amount, using them at the counter is a breeze too.</div><div><br /></div><div>Stay on the game with Lu (the character we played in LumiHealth) by staying healthier and staying rewarded! </div><div><br /></div><div>Cheers! </div><div><br /></div><div><br /></div><div><br /></div><div><br /></div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com2tag:blogger.com,1999:blog-6290074707985614952.post-27557616241999747162021-05-22T10:40:00.001+08:002021-05-22T10:40:24.541+08:00Things Change and that’s the way to go<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRWYfe7SVr9BuQsjVIxcTDVZ6UQfGUj8CJdIhPLg2u6mLq8PpX56nM2IysySnnITZgO-NJr8puZzU1r2pFMJf0tUet3IyACpl2Wcbih8RRbAKxrO7E_6XbWWv8Ju_MB_kp5znLw_V4TBo/s2048/A2FA0A8B-1F32-48AA-8984-67B2D25460D3.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1536" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRWYfe7SVr9BuQsjVIxcTDVZ6UQfGUj8CJdIhPLg2u6mLq8PpX56nM2IysySnnITZgO-NJr8puZzU1r2pFMJf0tUet3IyACpl2Wcbih8RRbAKxrO7E_6XbWWv8Ju_MB_kp5znLw_V4TBo/s320/A2FA0A8B-1F32-48AA-8984-67B2D25460D3.jpeg" /></a></div>The only thing never change in life is change itself, this is even before the deadly COVID-19 virus which creating havoc globally since early 2020. Many people’s lives have changed drastically for the worst.<div><br /></div><div>Personally, I’ve changed too....but mostly not because of COVID-19...</div><div><br /></div><div>I used to be more plump, now 13+kg slimmer, thanks to the new found chronic condition..</div><div><br /></div><div>I used to be dislike avocado because of its “oily” taste, but now I like it very much and took it almost every other day...</div><div><br /></div><div>I used to be a nay sayer for fish (any kind of fishes) because of their potential fishiness, but now I can accept it.. thanks to my wife.</div><div><br /></div><div>I used to sleep quite “late” at around 11+PM to 12+ am, but now I knock off at around 10.30PM.. thanks to ageing, I believed.</div><div><br /></div><div>At time, we have no choice but to change (like most of my case, due to health reason) but it doesn’t means always “for the worst”. We just need to adjust our life accordingly and many a time, change is just part and parcel of life.</div><div><br /></div><div>Never afraid of change, never stop living...</div><div><br /></div><div>Cheers!</div><div> <p></p><p><br /></p><p><br /></p></div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com2tag:blogger.com,1999:blog-6290074707985614952.post-29601507723354124002021-05-15T13:41:00.002+08:002021-05-15T13:41:49.667+08:00The Rarest Precious Metals Available In 2021<p><span style="font-family: "Calibri Light", sans-serif; font-size: 12pt;">For the last 2 years, the world has been gripped by a pandemic, which has
wreaked havoc around the world and for many small investors, volatile markets
mean liquidating wealth and storing it in precious metals is a smart move in
2021.</span></p><p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><img border="0" data-original-height="526" data-original-width="929" height="226" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi36ENHFEEKjSqTMleJJeudVJli6al4vbiIIAB2dJKJggRhH0idmmBCWGlA8urge_W7Bk8oN5rhMuFVrnVqICN4HES3q3ZOY_ibRJPLVNIwhkrOTRNqDv_ExtB5KbyHKsGs2s_qJRUqMW0/w400-h226/precious+metal.PNG" style="margin-left: auto; margin-right: auto;" width="400" /></td></tr><tr><td class="tr-caption" style="text-align: center;"><span style="font-family: arial; font-size: x-small;">Image Source : <a href="https://www.freepik.com/free-photo/top-view-gunny-sack-with-gold-ore_10740326.htm#query=gold&position=27" target="_blank">Freepik</a></span></td></tr></tbody></table></p><p><span style="font-family: "Calibri Light", sans-serif; font-size: 12pt;">Here is some information about the rarest precious
metals that people are buying in 2021.</span><span style="font-family: "Calibri Light", sans-serif; font-size: 12pt;"> </span></p>
<p class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB; mso-fareast-font-family: "Calibri Light";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;">Rhodium</span></b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;"> - This is the rarest precious metal on the planet
that is a noble metal in the platinum family and the main usage of </span><span lang="EN-PH"><a href="https://www.livescience.com/36988-rhodium.html"><b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;">Rhodium</span></b></a></span><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;"> is in the manufacture of catalytic converters, which are found on all
modern automobiles. If you wanted to acquire one kilogram of this very rare
element, it will cost you more than $600,000 and about 30 tons are mined
annually.</span></p>
<p class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB; mso-fareast-font-family: "Calibri Light";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;">Iridium</span></b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;"> - Another platinum metal, iridium is the second
densest metal, behind osmium, which was first discovered in 1803, when a
scientist looked carefully at some platinum residue. The metal is used to make
high-performance spark plugs, as the metal retains its properties at very high
temperatures. To give you some idea of its rarity, iridium is 40 times rarer
than gold and if you wanted to get your hands on one kilogram, it would cost a
cool $100,000.</span></p>
<p class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB; mso-fareast-font-family: "Calibri Light";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;">Gold</span></b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;"> - Gold has always been the very foundation of global
health since time began. Now is the ideal time to acquire gold as an investment
and with a Google search, you can find a nearby reputable gold bullion dealer.
When buying gold, you should always take physical possession and wherever you
live, you are never far away from a recognised gold bullion dealer who can be
found with an online search. At the current prices, it would cost you $58,000
for a kg of pure gold and with prices rising, now would be a good time to buy
that much gold. Have a look at the </span><span lang="EN-PH"><a href="https://citygoldbullion.com.au/gold-bullion-adelaide-buy-gold-silver-fast/"><b style="mso-bidi-font-weight: normal;"><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;">gold Adelaide
investors get from City Gold Bullion</span></b></a></span><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;">.</span></p>
<p class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB; mso-fareast-font-family: "Calibri Light";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;">Palladium </span></b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;">- Another silvery metal from the platinum family of
metals, palladium is primarily used in the making of catalytic converters, a
device that turn toxic emissions into less toxic materials, essential for
reducing global pollution. The annual production is around 220 tons and at just
over $77,500 per kg, this is an expensive and rare precious metal.</span></p>
<p class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB; mso-fareast-font-family: "Calibri Light";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;">Ruthenium</span></b><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; mso-ansi-language: EN-GB;"> - Yet another metal from the platinum family,
ruthenium is inert to almost all other chemicals and cost around $9,000 for a
kg. This metal is used in the making of certain alloys and to make very
resistant electrical contacts, while it is also used as a chemical catalyst.
Ruthenium is found in ore and both North and South America have traces of this
metal.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Calibri Light", sans-serif; font-size: 12pt;">If you would like to invest in precious metal, gold is
the safest commodity, especially during these troubled times and a Google
search will help you to locate a reputable gold bullion dealer who has offices
close to your home. Gold has performed well during the pandemic, as many
investors made the switch to gold, which is less risky than other investments.</span></p><span style="font-family: "Calibri Light", sans-serif; font-size: 12pt;"></span><p></p>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com3tag:blogger.com,1999:blog-6290074707985614952.post-4677971613742379002021-04-10T11:46:00.000+08:002021-04-10T11:46:49.515+08:00Syfe REIT+ Investment<p style="text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWUfTqolaf5jCfjbF_9u2BVj0oLM5dxpeCp7ndY3Ucyf4AVwn9uYWBb4RZr3VcdW1h-6cd99oVXQ-dws4nxmZ7KpVpwwh3mMZwAYzpDJIEWGPupnrB5yxjUuySWR057K9Dm10fgRfKWvo/s800/syfe+REIT%252B.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="500" data-original-width="800" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWUfTqolaf5jCfjbF_9u2BVj0oLM5dxpeCp7ndY3Ucyf4AVwn9uYWBb4RZr3VcdW1h-6cd99oVXQ-dws4nxmZ7KpVpwwh3mMZwAYzpDJIEWGPupnrB5yxjUuySWR057K9Dm10fgRfKWvo/s320/syfe+REIT%252B.png" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div>As a follow-up to my earlier post (<a href="http://www.investopenly.com/2021/03/endowus-syfe-and-stashaway-my.html" target="_blank"><b>here</b></a>) in comparing my recent allocation of fund and experience into Endowus, Syfe and StashAway, I've indicated that I intend to allocate additional fund into <i>Syfe REIT+</i> portfolio, hence this post. <p></p><p style="text-align: justify;">Last week, I've successfully injected additional S$6K into Syfe REIT+ portfolio (I've chosen the 100% REIT allocation option and <u>not</u> the ARI, Automated Risk-managed Investment option in view of the small size of my fund). The Syfe REIT+ portfolio is closely replicate the performance of the SGX <i>iEdge S-REIT Leaders Index </i>(which cover about 10 high quality REITs in Singapore). Also, it offer the feature to re-invest the dividend automatically into the portfolio, which is perfect. </p><p style="text-align: justify;">My intention is to leave the fund here for longer term, I will review the performance again (probably in a couple of months) and decide whether to further inject new fund into this portfolio. </p>If you are keen to explore <a href="https://www.syfe.com/reit-plus" target="_blank"><b>this platform</b></a>, do feel free to use my referral code of <b>SRPTG2S4L</b> to enjoy the fee waiver of up to 6 months on first S30,000 investment. <div><br /></div><div>Cheers!</div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com3tag:blogger.com,1999:blog-6290074707985614952.post-51305900000774583442021-03-17T17:42:00.003+08:002021-03-17T17:42:59.057+08:00Endowus , Syfe and StashAway : My experience So Far<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3aocoW1nLf-ZQdXSkSRb5fQrDrJ3slQYTuKmQnBTSlEoKkS1h7JHZv4DxNi86plrbEfLdoWrcuMyUpOMuvJ7k9dmkNXphE1BotrBze70OQaKMzBaibVOKiw3-U5vvyI1InoWJH74L4BA/s1400/robo+advisor.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="665" data-original-width="1400" height="190" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3aocoW1nLf-ZQdXSkSRb5fQrDrJ3slQYTuKmQnBTSlEoKkS1h7JHZv4DxNi86plrbEfLdoWrcuMyUpOMuvJ7k9dmkNXphE1BotrBze70OQaKMzBaibVOKiw3-U5vvyI1InoWJH74L4BA/w400-h190/robo+advisor.jpg" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: justify;"><span style="text-align: left;">In an attempt to find better way to simplify how I make the equities investment (I must admit that I am poor at stock picking and timing the market), I've been trying out a number of robo-advisors (all regulated by MAS) which are quite popular locally, in the past few months. </span></div><p>So, this post is to share my experience thus far on each of these platforms. The 3 platforms that I will be touching on are :</p><p>1. <b><a href="https://www.syfe.com/" target="_blank">Syfe</a></b> - Started since Dec 2020 (for my cash investment)</p><p>2. <b><a href="https://www.stashaway.sg/referrals/huasangn2k29" target="_blank">StashAway</a></b> - Started since Dec 2020 (for my SRS investment)</p><p>3. <b><a href="https://endowus.com/invite?code=QMMUD" target="_blank">Endowus</a></b> - Started since Mar 2021 (for my CPF-OA investment)</p><p><i>Note: a. As I am investing varying amounts in each of these platforms, so I will indicate their performances in % for better comparison. b. I've chosen the portfolio with "higher return potential" in all my initial investments. </i></p><p><b><u><span style="font-size: medium;"><a href="https://www.syfe.com/" target="_blank">1. Syfe</a>: </span></u></b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://www.syfe.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="900" data-original-width="900" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiX1nJNzcXsPo_HZRnNRzXX7kyyLszwCBS_xmVmuB870SCOdKVCkjW_F5XGHNr4YHHUkTWL01keod8xFbI5D-_VrDN0n1Ks5fcVY-TeSOCH6vptlDU92QyWQ3B_FNp5uWxl1AJPgNS1RbI/w200-h200/syfe.jpg" width="200" /></a></div><p>a.<b> App experience: </b>The App's UI is sleek and easy to use. The App UI has been slightly revamped recently, once you get the hang of it, it's easy-peasy. Also, the funding/deposit process is quite straight-forward, for depositing from local banks, you can use either PayNow (via UEN) or FAST/GIRO transfer via Internet Banking. </p><p>b. <b>Investment details:</b> You can select from a few of the predetermined core portfolio i.e. Core Growth (<i>my choice</i>), Core Balanced, Core Defensive, Cash+ or REIT+ (latest addition). Once you've chosen the portfolio (you can choose multiple portfolio for your investments), you will be able to see the actual funds/stocks purchased and the fees paid (if any) upon clicking into the portfolio.</p><p>c. <b>Investment Performance</b> (from Dec 2020 till Mar 2021): <b>5.74% </b>(Time weighted Return) </p><p>d. <b>Other Useful Stuff: </b>The same App contain Knowledge (or educational) section covering Guides, Advices, Magazines and even Webinars on anything and everything about personal investing. </p><p>e. <b>My take so far:</b> I am quite happy with my experience so far and the next portfolio that I will be interested to explore further is their REIT+ portfolio. If you are keen to explore this platform, do feel free to use my referral code of <b><u>SRPTG2S4L</u> </b><i><b>to enjoy the fee waiver of up to 6 months on first S30,000 investment. </b></i></p><p><b><u><span style="font-size: medium;"><a href="https://www.stashaway.sg/referrals/huasangn2k29" target="_blank">2. StashAway</a>:</span></u></b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://www.stashaway.sg/referrals/huasangn2k29" imageanchor="1" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="675" data-original-width="1200" height="113" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcQPjviWfpkfoPIIJRZcuKjQ61WZx-Qh9N6AWV9NgcXTxr8tl43Nu40YR3yP5XWEsanKdXyfB5Ld43KBEVb6RqXeg2mG75AQ7wZ2d1uKFqFuw-yL4uz8CRume3s778rJBm1l0-B087epc/w200-h113/stashaway.png" width="200" /></a></div><p>a.<b> App experience: </b>The App's UI is slightly more complicated but still not difficult to maneuver around. As I am in vesting my SRS amount in this platform, I just need to link my SRS Account and indicate the amount to begin my investment. For cash investment, the funding/deposit process is quite straight-forward, for depositing from local banks, you can use either PayNow (via UEN) or bank transfer via Internet Banking. </p><p>b. <b>Investment details:</b> You can select from a few of the predetermined core portfolio i.e. General Investing (<i>my choice</i>), Goal-Based Investing or Income Portfolio. Once you've chosen the portfolio (you can choose multiple portfolio for your investments), you will be able to see the actual funds/stocks purchased and the fees paid (if any) upon clicking into the portfolio.</p><p>c. <b>Investment Performance</b> (from Dec 2020 till Mar 2021): <b>6.63% </b>(Time weighted Return) </p><p>d. <b>Other Useful Stuff: </b>The same App contain Academy section covering videos and articles as well as upcoming events on anything and everything about personal investing. </p><p>e. <b>My take so far:</b> I am quite happy with my experience so far and I will consider continue to invest my SRS fund in this platform going forward. If you are keen to explore this platform, do feel free to use my referral code <a href="https://www.stashaway.sg/referrals/huasangn2k29" target="_blank"><b>here</b></a> <b> </b><i><b>to enjoy the fee waiver of up to 6 months on first S10,000 investment. </b></i></p><p><b><u><span style="font-size: medium;"><a href="https://endowus.com/invite?code=QMMUD" target="_blank">3. Endowus</a>:</span></u></b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://endowus.com/invite?code=QMMUD" imageanchor="1" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="1200" data-original-width="1200" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggAAz9JBRFnMnzmx7lFyj27a9DbFSjpshJAURxP4utg4FREdBEOOF6TBvbkv9MqRov9qyEsbjajaP9DURA3NmsoQPnmFr_fbw4GXqJIcIiYb3X_efuhT1BbkLIyTobUtMX09UaG8T7UF8/w200-h200/Enodwus.png" width="200" /></a></div><p>a.<b> App experience: </b>As I need to complete the "<i>ABS-SAS eLearning Module for Unit Trusts and Investment-Linked Insurance Products</i>" and upload my certificate online once I passed, it took me ahile before my onboarding process is finally completed in Mar 2021. The App's UI is clean and professionally look, not difficult to maneuver around. As I am investing my CPF-OA amount in this platform, I just need to link my CPF-OA Account and indicate the amount to begin my investment. For cash investment, the funding/deposit process is quite straight-forward, for depositing from local banks, you can use either PayNow (via UEN) or bank transfer via Internet Banking. So far, this is the only robo-advisor platforms (among the three) that allow the source of fund from Cash, SRS and CPF-OA. </p><p>b. <b>Investment details:</b> You can select from a few of the predetermined core portfolio i.e. General Wealth Accumulation (<i>my choice</i>), Cash Smart, Fund Smart. Once you've chosen the portfolio (you can choose multiple portfolio for your investments), you will be able to see the actual funds/stocks purchased and the fees paid (if any) upon clicking into the portfolio.</p><p>c. <b>Investment Performance</b> (from Mar 2021 till Mar 2021): <b>1.52% </b>(Time weighted Return) </p><p>d. <b>Other Useful Stuff: </b>N.A.</p><p>e. <b>My take so far:</b> I am still monitoring the performance of this portfolio as it is too early to assess at the moment. If you are keen to explore this platform, do feel free to use my referral code <a href="https://endowus.com/invite?code=QMMUD" target="_blank"><b>here</b></a> <b> </b><i><b>to enjoy the fee waiver of up to 6 months on first S10,000 investment. </b></i></p><p>Are you investing with any of the abovementioned Robo-adviser? What is your experience so far?</p><p>Cheers!</p>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com3tag:blogger.com,1999:blog-6290074707985614952.post-28623820627350749732021-03-04T12:33:00.006+08:002021-03-04T12:33:54.864+08:003 Things I Leant From My Recent Medical Condition<div style="text-align: justify;"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8o776UUoXD406AAxwUfK644kkkamlVS1XzDvqJ0Q2j9sfQacMjzU7x72AS78e0UZzNg1_SX9V9qBNbyFiRzb9KgT89KKpqftwxB0pI561mOctPt2Q_vyUrJJ4X9jpdhqju9fA4N_okC4/s2016/hopitalization+1.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1512" data-original-width="2016" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8o776UUoXD406AAxwUfK644kkkamlVS1XzDvqJ0Q2j9sfQacMjzU7x72AS78e0UZzNg1_SX9V9qBNbyFiRzb9KgT89KKpqftwxB0pI561mOctPt2Q_vyUrJJ4X9jpdhqju9fA4N_okC4/s320/hopitalization+1.jpg" width="320" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Patient tag at the hospital</td></tr></tbody></table><br /><b>18 Feb 2021 (Thu) </b>is just one of those mundane day, it is supposed to be just another normal work-from-home working day, but it is not. Wife told me that she has been noticing about the louder than normal "snoring" sound (even though I am wearing the nose-patch which deemed effective for the past few months), but I continue to "sleep". </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Why it is so "un-normal" for me? I felt like my body has insufficient energy to wake up (I usually woke up at 7AM during weekdays and it is already 8 AM but I am still "sleeping"). After a few nudged by wifey, finally managed to drag my body up from the bed and utter something that I myself also cannot apprehend. After tidying the bed a bit, I walk slowly but snake-ly towards the living room and "falled" straight on the sofa and remain there for awhile...</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Wife noticed that something is not right for me, she recommended I see doctor and search for the GP near my house and wait for the clinic to open, she made an immediate phone-call reservation for the appointment. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">During this period, my walking is unstable and I faced difficulty in grinding out words that's considered audible and understandable... </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">After a few test carried out by the GP, he recommended me to go straight to the SKGH (Sengkang General Hospital) A&E with a referral as he is suspecting that I am having a stroke symptoms... This strike me like an iron rod but life goes on (for the time being)...</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Luckily SKGH is near my place and after waited for about 30-40 minutes, I finally seen the doctor (or nurse) and they have immediately sent me for the necessary lab-test like CT Scan etc...After waited for about 1-2 hours, a group of doctors finally told me that I am having a stroke (the exact medical term that they used in the MC is <i>Thalamic stroke, left thalamic infarct</i>) and need to admit me immediately for follow-up test (like MRI, Echocardiogram etc...) to counter confirm that my stroke condition is not worst than what has been shown in the CT Scan.</div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg22qWBiIQHD3GHeKaMRU5uNj1u7LiJUionIdEBELbaPFJTLVH6xul50V4hayPZs6rQf9AeoviJb3Ypy20qAYiIYACHVJ0iTIk15aTP6-ffrWQC42luMqGzgXAoD2lngnqOZeNQ0i5O_M8/s2016/hopitalization+2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1512" data-original-width="2016" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg22qWBiIQHD3GHeKaMRU5uNj1u7LiJUionIdEBELbaPFJTLVH6xul50V4hayPZs6rQf9AeoviJb3Ypy20qAYiIYACHVJ0iTIk15aTP6-ffrWQC42luMqGzgXAoD2lngnqOZeNQ0i5O_M8/s320/hopitalization+2.jpg" width="320" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">The "hole" that I will remember for life!</td></tr></tbody></table><div style="text-align: justify;"><br /></div><div style="text-align: justify;">After 5 days/4 nights in the hospital and went through numerous tests (as mentioned above) and the daily (day and night) measures of my blood pressure and blood glucose (I was diagnosed to be a Diabetic one month ago and on daily medication), I am deemed "ready" to discharge from the hospital and to recuperate at home instead (with the 1 month MC given for stroke patient). </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">I am still recuperating from my condition at the moment but as my condition is considered mild in nature (at least that's what I believed), I will do my best to come back stronger. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><b>So, following are the three things that I've learnt:</b></div><div style="text-align: justify;">1. Even though my admission is considered urgent, I have LOG (Letter of Guarantee) from my company and I have Integrated Shield Plan as back-up plan, I still decided to stay in the B2 Class (with Government subsidy) ward. I am with 4 other patients in my ward but the doctors and nurses are equally professional and caring in their services. it also make the "stay" less boring. So why not? Besides, with the recent news that the Riders of the Integrated Shield Plans are going to change to "with co-payment" Plan, I think it is only fair for us to "bear" some cost and choose the right services. <b>Stay rightly! </b></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">2. For the past one month, with the diagnosis of my Diabetes, I have been eating healthier and exercise more regularly (where possible), I don't anticipate that any such major illnesses (stroke, in this case) will hit me in such short time, but I am wrong. Never say never! Even though high chance that my case is due to hereditary (my mum has diabetes/stroke prior to her passing on), it is still a factor that we all need to take into consideration when reviewing our health. <b>Health is Wealth</b>!</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">3. You are what you eat! Before discharge, we went through a session with Dietician on the diet that I should and should not take, it is a good news that for the past one month, my wife has been hitting the jackpot for all the food/fruits that I should take (in view of my diabetes condition), it also means that prior to this, I am a care-free person that eat anything/everything coming to me! Well, I am not able to turn back the clock now, the only thing that I can do now is to move forward and eat rightly (especially on the portion of food intake). <b>Eat rightly! </b></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Thanks for reading and see you folks again. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Cheers!</div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com14tag:blogger.com,1999:blog-6290074707985614952.post-91481842281546462812021-02-03T22:56:00.001+08:002021-02-03T22:56:33.927+08:00Cryptos (BTC, ETH, LTC) Transfer Speed and Cost (personal experience)<p style="text-align: justify;"></p><div class="separator" style="clear: both; text-align: left;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpF0_kGWfTx_ol74oMGpj2aBoftL77E5JEEedA9J3tcF68WqcxyoA6YU1mI63119uqeeASRHMzOvbkpej0CcBBPuZtFN4ilJPvJngGSEWIMUG2mAg0EF8MT3nNVm8yF1aYXVwLtImtneU/s1413/bitcoin.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="942" data-original-width="1413" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpF0_kGWfTx_ol74oMGpj2aBoftL77E5JEEedA9J3tcF68WqcxyoA6YU1mI63119uqeeASRHMzOvbkpej0CcBBPuZtFN4ilJPvJngGSEWIMUG2mAg0EF8MT3nNVm8yF1aYXVwLtImtneU/s320/bitcoin.jpg" width="320" /></a></div><br /><div style="text-align: justify;">A<span style="text-align: justify;">ll along, I am holding most of my major cryptocurrencies (BTC, ETH and LTC) in </span><a href="http://coinbase.com/join/ng_4b" style="text-align: justify;" target="_blank"><b>Coinbase</b></a><span style="text-align: justify;"> platform and I have been leaving it "dormant" there for quite awhile. As Coinbase no longer support withdrawal of cryptocurrencies via Xfers or local bank account, decided to transfer all my cryptocurrencies to another platform (Binance.sg) which is supporting Xfers (in case I need to transact in the near future). </span></div></div><p></p><p style="text-align: justify;">At the same time, I am also curious how long will it take for such transfer (it is not instant) and how much will it cost (not all is free) for each of the transfer?</p><p style="text-align: justify;">Following are my findings:</p><p style="text-align: justify;">1. For <b>Ethereum (ETH)</b> : took 8 minutes and cost me <b>USD0.28</b> per USD100 (network fee)</p><p style="text-align: justify;">2. For <b>Litecoin (LTC)</b> : took 3 minutes and cost me <b>USD0.00</b> per USD100 (network fee)</p><p style="text-align: justify;">3. For <b>Bitcoin (BTC)</b> : took 27 minutes and cost me <b>USD0.13</b> per USD100 (network fee)</p><p style="text-align: justify;">How I track the response time is based on the email notifications from Coinbase (the sending time) and Binance Sg (the receiving time).</p><p style="text-align: justify;">From the above experience, the cheapest (free) and fastest crypto is <b>Litecoin</b>, the most expensive transfer is <b>Ethereum</b> (surprise, surprise, surprise) and the slowest is <b>Bitcoin</b>.</p><p style="text-align: justify;">Of course, comparing to the traditional international fund transfer like West Union, the speed and cost of crypto transfer is still much cheaper. </p><p style="text-align: justify;">What is your experience of crypto transfer so far?</p><p style="text-align: justify;">Cheers! </p>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com3tag:blogger.com,1999:blog-6290074707985614952.post-61864907538938798132021-01-30T12:26:00.000+08:002021-01-30T12:26:29.754+08:00Fixing Health<p style="text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEnZzy51Q4PhE7nvYjT_6hN9K_lCfIioeeEvcUlLHLoV15gliJTJMwSCC4tcHJyafVk547LWlJf0-6lp5eMCosVCamzVZviLI0Jt2T-UdBarCUvieOu3ZlLrnMFEBP_g_7EN79_5xRWF8/s1200/health+2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="759" data-original-width="1200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEnZzy51Q4PhE7nvYjT_6hN9K_lCfIioeeEvcUlLHLoV15gliJTJMwSCC4tcHJyafVk547LWlJf0-6lp5eMCosVCamzVZviLI0Jt2T-UdBarCUvieOu3ZlLrnMFEBP_g_7EN79_5xRWF8/s320/health+2.jpg" width="320" /></a></div>While many personal bloggers are busy discussing/blogging about the recent phenomena of GameStop share and make the Shorts Squeeze the trending phrase in Jan 2021, I am busy fixing my health. <p></p><p style="text-align: justify;">There are ample signs and symptom prior to this, my weight has been in declining mode for the past few months and physically it is quite obvious (at least from friends and relatives). High level estimate, I have lost more than 6 kg within 3 months. </p><p style="text-align: justify;">Last week, after an episode of vomiting and stomach discomfort, went to my GP and upon further blood test, I've been officially a<b> Type 2 Diabetes</b> patient (based on the recent report, 10.5% of Singapore population are diabetics, so ya, I am part of the statistic now). With my recent weight loss and the family history, it is not really a surprise. </p><p style="text-align: justify;">Immediately, what will be changing is my diet and close monitoring of my glucose level. I used to have sweet tooth (guess it play a major part here) and now will need to overhaul the food intake/variety. For monitoring my glucose level, thanks to the technology, I am able to track it by scanning instead of pricking via the <b>Freestyle Libre</b> device. It is easy to administer and totally painless too. </p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHzNpBN4PiCiiWyAMXcr7RyCop01gaoFTYDtYTF8Wp9RWFHRjrVtGjUKCj5yY4_W4nGej3LbIYmcan87BFZHlO8s2M5Cf7dAToLH5k0Q2pBgGmZTI9u1XsLK06rUUE6G4WbyzOyCYlsvk/s2016/freestyle+libre+2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Freestyle libre" border="0" data-original-height="2016" data-original-width="1512" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHzNpBN4PiCiiWyAMXcr7RyCop01gaoFTYDtYTF8Wp9RWFHRjrVtGjUKCj5yY4_W4nGej3LbIYmcan87BFZHlO8s2M5Cf7dAToLH5k0Q2pBgGmZTI9u1XsLK06rUUE6G4WbyzOyCYlsvk/w480-h640/freestyle+libre+2.jpg" title="Freestyle libre" width="480" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Freestyle Libre pack</td></tr></tbody></table><br /><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhV6ZpMqBVAvaiexxpn44-2WHKqs7l3BOPCQLU82SgsHlIWYoJpu4mEn_5zvtZVuRa11IOhmWDpeO7ZZjHC_52j7gKWMLVx1JJi9y0nJoWRsJglGNyeTHAnHMrim4hYgzJJRUN0oImFarU/s2016/freestyle+libre+3.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Freestyle libre" border="0" data-original-height="2016" data-original-width="1512" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhV6ZpMqBVAvaiexxpn44-2WHKqs7l3BOPCQLU82SgsHlIWYoJpu4mEn_5zvtZVuRa11IOhmWDpeO7ZZjHC_52j7gKWMLVx1JJi9y0nJoWRsJglGNyeTHAnHMrim4hYgzJJRUN0oImFarU/w480-h640/freestyle+libre+3.jpg" title="Freestyle libre" width="480" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Freestyle Libre applicator (the real stuff)</td></tr></tbody></table><p style="text-align: justify;">Also, I've started the Diabetes medicine with immediate effect and due for a follow-up with the doctor sometime in Feb 2021. Well, life goes on and I will continue to do my weekend hiking/trailing where possible.</p><p style="text-align: justify;">Wealth is great; Health is much better! Never too late to say this...</p><p style="text-align: justify;">Cheers!</p>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com2tag:blogger.com,1999:blog-6290074707985614952.post-3331269261216382902021-01-01T11:46:00.000+08:002021-01-01T11:46:18.841+08:002021 - Look Back and Look Forward<p style="text-align: center;"><b><span style="color: red; font-size: large;">Happy New Year 2021 to ALL!</span></b></p><p style="text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjen3qoTRUy4MQrqill3LuoqRaD851zbihxsF_yCVIsYZ3ZUyzjfYLcwbPfJGKvwOaLMmQnMnFuE2iFu46uHSdPkmEoRyk6mTW2IdH2Q60sIYHVzLbxEhw9kHh1-Wr4pDokE18fPxX4IRo/s1800/2021.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="982" data-original-width="1800" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjen3qoTRUy4MQrqill3LuoqRaD851zbihxsF_yCVIsYZ3ZUyzjfYLcwbPfJGKvwOaLMmQnMnFuE2iFu46uHSdPkmEoRyk6mTW2IdH2Q60sIYHVzLbxEhw9kHh1-Wr4pDokE18fPxX4IRo/s320/2021.jpg" width="320" /></a></div><br />Phew! We've finally ended the unforgiving year of 2020 and step into the new year with new hope (read vaccines). As the saying goes, TOMORROW WILL BE BETTER (明天会更好), let's keep going, keep smiling!<p></p><p style="text-align: justify;">On my investment front, I've sold off all my DBS and OCBC shares recently with some small profit. Next, will be focusing on putting some fund in the lesser effort avenues like the <b>Syfe </b>(Referral Code : <span style="text-align: left;"><i>SRPTG2S4L</i>)</span> and<a href="Have you started investing with StashAway yet? Sign up with my link and we'll both get up to $10,000 SGD managed for free for 6 months! https://www.stashaway.sg/referrals/huasangn2k29" target="_blank"> <b>StashAway</b></a> platforms and let the professionals (or the robots) do the job on my behalf. Just completed the onboarding process not long ago and deposited some funds to try out the platforms. Let's see how it goes. </p><p style="text-align: justify;">I am also looking at<b> Endowus</b> platform to park some of my CPF fund but find that its onboarding process is much more complicated than the other two i.e. it requires me to take some online self-test in order to complete the registration. I guess it will take a while before I will complete the online test. </p><p style="text-align: justify;">On the personal front, 2020 is a year of ZERO oversea travel for us, except for our recent year-end "oversea" staycation at Sentosa. 2020 is also a year of LESS is MORE. Thanks to the Covid-19, most (if not all) of us spend less time physically with others but it also created opportunity for us to spend MORE time with those really close/dear to us. </p><p style="text-align: justify;">Covid-19 Vaccination administration has been kicked-off across the globe and hopefully we will soon be back to the new normal. Meanwhile, let's continue to stay vigilant and maintain the proper social distancing measures. </p><p style="text-align: justify;">If everything goes well, I hope we can travel leisurely again in 3rd or 4th quarter of 2021. </p><p>Cheers! </p>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com2tag:blogger.com,1999:blog-6290074707985614952.post-21548624399040403652020-10-04T21:04:00.000+08:002020-10-04T21:04:12.504+08:00What's Next With My Singlife Account?<p style="text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjB7n1FbKWOTASGwQFqgt7h_IbdK6S0_swkZeVn7X4KmNmsKo9PSXiHod40UYDqjick04pQO2gS7qUn6DWGVi4V0mdfdF7oxIHc7Wp0drx8zQd_c3EDVf-rn4ZgAkejUaCuZoA35TFMaIU/s2016/singlife+4.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2016" data-original-width="1512" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjB7n1FbKWOTASGwQFqgt7h_IbdK6S0_swkZeVn7X4KmNmsKo9PSXiHod40UYDqjick04pQO2gS7qUn6DWGVi4V0mdfdF7oxIHc7Wp0drx8zQd_c3EDVf-rn4ZgAkejUaCuZoA35TFMaIU/s320/singlife+4.jpg" /></a></div>Since my last post on deploying part of my emergency fund to <b><a href="https://app.singlife.com/QEB7A8KHk9" target="_blank">Singlife Account</a></b> (click <b><a href="http://www.investopenly.com/2020/08/why-ive-deployed-part-of-my-emergency.html" target="_blank">here</a></b> to read more), there have been 2 major announcement related to Singlife, they are:<p></p><p style="text-align: justify;">1. Merger of Aviva with Singlife with combined business valued at S$3.2 billions. It will be the biggest business deal in insurance sector in Singapore. Personally, I view this as a positive news, at least it demonstrates that Singlife has already established a strong foothold here. For more details of the announcement, click <b><a href="https://singlife.com/blog/singlife-to-merge-with-aviva-singapore-in-singapores-largest-insurance-deal-with-combined-business-valued-at-s3-2-billion/" target="_blank">here</a></b>. </p><p style="text-align: justify;">2. With effect from 1 Nov 2020, the interest rate of Singlife Account will be reduced from 2.5% to 2.0% (p.a. on the first S$10K). This is deemed as a negative news for all the policyholders/account holders (me included) but since prior to signing-up the account, I am fully aware that the interest rate quoted is not-guarantee, so future adjustment is expected, just didn't see it coming so fast. </p><p style="text-align: justify;">Having said that, you are still able to earn up to 2.5% (p.a. on the first S$10K) via the following simple steps: </p><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJa_Q2_64m33gVv17d-of5CJAofTTACe5ClKHPN5DTiGl1_eomr36g_X8X8xxyKsod-w3TDS1a28XId5t3h2mhVJNj6lQCarnrZ9aVf-aur3koCGO6BlTVCbhO6-NE-y5NSYUZez2yDCQ/s1500/singlife+interest+rate.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="966" data-original-width="1500" height="413" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJa_Q2_64m33gVv17d-of5CJAofTTACe5ClKHPN5DTiGl1_eomr36g_X8X8xxyKsod-w3TDS1a28XId5t3h2mhVJNj6lQCarnrZ9aVf-aur3koCGO6BlTVCbhO6-NE-y5NSYUZez2yDCQ/w640-h413/singlife+interest+rate.png" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><i>credit: Singlife</i><br /></td></tr></tbody></table><div style="text-align: justify;"><br /></div><div style="text-align: justify;">So, what's next with my Singlife Account? For my case, it's an easy decision. I will continue to keep my Singlife Account for the following reasons:</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">1. Even after the interest reduction (to 2.0% p.a.), it is still one of the most competitive interest rate available in the market now.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">2. I am still able to withdraw the fund or make use of the fund via the attached visa debit card as and when I needed it (free of charge, at least for now). </div><div style="text-align: justify;"><br /></div><div><div style="text-align: justify;">3. Sweetener : both my friends and me can both enjoy the free $10 token (upon successful opening of account and made the initial deposit). If you are keen to open the Singlife Account, why not take the full advantage of the scheme by registering via this <b><a href="https://app.singlife.com/QEB7A8KHk9" target="_blank">invitation link</a></b>?</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Cheers!</div></div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com6tag:blogger.com,1999:blog-6290074707985614952.post-9320359172549138432020-08-29T10:29:00.001+08:002020-09-20T09:45:22.821+08:00Why I've Deployed Part Of My Emergency Fund To Singlife Account?<div style="text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4gSuEID5gmMPm3d3NV7TJ9JrRfO-MUCN_g1wpanglfHzCYy5RcY9sE1rUqbEV4kynwxz2zYZtm9IloxgjRpZ_NBqXUgkTUYfdlGTG9NZlarwjMXEvYQPqh6w4DR6HNuwkYj0JgV8oYz8/s1280/Singlife+0.png.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Singlife Visa Debit Card" border="0" data-original-height="1280" data-original-width="960" height="250" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4gSuEID5gmMPm3d3NV7TJ9JrRfO-MUCN_g1wpanglfHzCYy5RcY9sE1rUqbEV4kynwxz2zYZtm9IloxgjRpZ_NBqXUgkTUYfdlGTG9NZlarwjMXEvYQPqh6w4DR6HNuwkYj0JgV8oYz8/w188-h250/Singlife+0.png.jpg" title="Singlife Visa Debit Card" width="188" /></a></div>As most of you are aware, with the current battered economy situation, banks over the world are reducing the interest rates for their savings/fixed deposits accounts and Singapore is not spared. So, if you are keeping your emergency funds with banks (which most of us did, I believed), it's time to source for the alternative(s). </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">I've heard of <a href="https://app.singlife.com/QEB7A8KHk9" target="_blank"><b>Singlife Account</b></a> for quite awhile but only have time to dig in further late last month (Jul 2020). Upon more in-depth research, I've made a decision to deploy part of me Emergency Fund ($10K) from my usual DBS Multiplier Account to Singlife Account. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Here are the reason why:</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><b><u>1. Higher Interest Rate (up to 2.5% for the first $10K)</u></b></div><div style="text-align: justify;">So far, I only managed to clock-in maximum of 1.8% interest via my DBS Multiplier Account, hence's it's a no brainer to transfer part of it to earn an additional 0.7% of interest at no extra cost. Do take note that the 2.5% interest in Singlife is not guarantee but so far I've earned 2.5% for the first month ($20.95 for the $10K deposit). The interest amount is earned daily but will be credited to your Singlife Account Balance only once a month.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">The tiered interest rates of Singlife Account is as follows:</div><div style="text-align: justify;"><i>First $10K : 2.5%</i></div><div style="text-align: justify;"><i>Next $90K : 1.0%</i></div><div style="text-align: justify;"><i>Above $100K : No interest</i></div><div style="text-align: justify;"><i></i><br /></div><div style="text-align: justify;">So now you know why I only deployed $10K to the account? :-) </div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnI7x8442BZ76XAYFFNCqP_-CimtmBfhwsX1wj0O2CmvM71TC6kS_lJsP1Cb0UEyaWIAyMNbv_pII9lEYW4mlwQLA8fWCoO5Zp-hxy79N5_fyq3hVZJVpGSq4wzw0Iu0d_NKwSf-W87YU/s2609/Singlife+1.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2609" data-original-width="1205" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnI7x8442BZ76XAYFFNCqP_-CimtmBfhwsX1wj0O2CmvM71TC6kS_lJsP1Cb0UEyaWIAyMNbv_pII9lEYW4mlwQLA8fWCoO5Zp-hxy79N5_fyq3hVZJVpGSq4wzw0Iu0d_NKwSf-W87YU/s640/Singlife+1.png" /></a></div><br /><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><b><u>2. Capital Guarantee</u></b></div>Singlife Account is automatically protected under the Policy Owners’ Protection (PPF) Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC) for up to $100K. So, even though the interest rate is not guarantee, you know that at least your capital is guaranteed. <br /><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><b><u>3. Add-on Insurance Coverage:</u></b></div><div style="text-align: justify;">Singlife Account is deemed as Universal Life Plan which come with the following insurance coverages:</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">a. <i>Death Benefits:</i> 5% of Account Value up to $50K (if account holder's age last birthday is less than 61) OR <span style="background-color: white;">1<span style="-webkit-text-stroke-width: 0px; color: black; display: inline; float: none; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;">% of Account Value up to $50K (if account holder's age last birthday is on or above 61)</span></span> </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">b. <i>Retrenchment Benefit : </i>Up to 3 months of average card spend (capped at $10K)</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><b><u>4. Convenience: (including withdrawal and spending):</u></b></div><div style="text-align: justify;">Setting-up the Singlige Account is a breeze, all you need is your smartphone. After downloaded the App, I've proceeded to set-up the account via SingPass's MyInfo, it took me less than 3 minutes to complete the overall registration process and voila, my account is ready.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">To test out the system, I top up a small amount ($10) to my Singlife account from my DBS account, it took about a minute for the amount to be reflected in my Singlife account. With the successful trial transaction, I am deemed comfortable to transfer the intended balance amount to my Singlife Account. </div><div style="text-align: justify;">To further test the system, I've also tried to withdraw a small amount ($10) from the Singlife Account to my DBS account (just to see how fast the transaction goes). Again, it is a breeze for the withdrawal and the amount appear in my DBS account in a couple of minutes (apparently via PayNow feature). And all these are done via the App alone. <br /></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">If you are keen to find out more on the Singlife Account, you can click on the link <b><a href="https://app.singlife.com/QEB7A8KHk9" target="_blank">here</a></b> for more details (As part of their on-going campaign, if you set-up and activated your account via this invitation link, we each get $10 credit to our accounts). </div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjsTfD_qN-9dsz1AsVHrasfC3LGjQDyl6YvxQL3zIArWsCug0kHqGKoy__pv3pj0N8E3im94w1OKjxHPjdI1d5ZDa0L_z6GsYpZxT8BtoJtbjz4OvKKPKxneGERpnD3MYOfiRbh6DwT-_0/s2509/Singlife+3.png.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2509" data-original-width="1241" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjsTfD_qN-9dsz1AsVHrasfC3LGjQDyl6YvxQL3zIArWsCug0kHqGKoy__pv3pj0N8E3im94w1OKjxHPjdI1d5ZDa0L_z6GsYpZxT8BtoJtbjz4OvKKPKxneGERpnD3MYOfiRbh6DwT-_0/s640/Singlife+3.png.jpg" /></a></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">By the way, where do you usually keep your Emergency Fund?</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Cheers! </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><br /></div>
An <a href="http://www.careershop.com/Solutions/Applicant-Tracking-System">applicant tracking systems</a> are software that automate the hiring process. Provitrac offers intelligent and user-friendly candidate tracking system with an easy to navigate interface.Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com3tag:blogger.com,1999:blog-6290074707985614952.post-44245379303480192020-08-15T18:07:00.000+08:002020-08-15T18:07:12.243+08:00Ways To Get Some Quick Money<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfj3-Y19UvGCkYDrlzeTsZ7CBVD1trlR-67JRX85SJ5BtwsEkWLzfSC5soNHCP1YECFzEkz7Gl5zbjjWjMK5ilqtUFWT5evyRUl5uDrWwL0LFVGY7P_ND8mB6hMudJavTA3GlbuhXBZMk/s1000/Money+1.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="667" data-original-width="1000" height="342" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfj3-Y19UvGCkYDrlzeTsZ7CBVD1trlR-67JRX85SJ5BtwsEkWLzfSC5soNHCP1YECFzEkz7Gl5zbjjWjMK5ilqtUFWT5evyRUl5uDrWwL0LFVGY7P_ND8mB6hMudJavTA3GlbuhXBZMk/w512-h342/Money+1.jpg" title="Image Source: Unsplash" width="512" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">Image Source: </span><span lang="EN-GB" style="font-family: "Calibri",sans-serif; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Cordia New"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><a href="https://unsplash.com/photos/-8a5eJ1-mmQ" target="_blank"><span style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; line-height: 115%;">Unsplash</span></a></span><b></b><i></i><u></u><sub></sub><sup></sup><strike></strike><br /></td></tr></tbody></table><div style="text-align: justify;">With the worldwide economy currently is such a mess, there are a lot of people that are struggling financially. If this is something that you are familiar with and you are looking for ways to get some cash quickly, there are things that you can do, such as selling items that you no longer require. <br /></div><div style="text-align: justify;"><br />Most of us will have something laying around our homes that we have no use for and we can turn into some quick money. Below are some of the ways you can do this and get that much-needed cash in your pocket, quickly.<br /><br /><b><span style="font-size: x-large;">Sell Your Old Jewellery</span></b><br /><br />A perfect place to start in your quest for some quick cash is looking at the jewellery that you have at home. It does not matter whether it is broken or not, as many places that will buy this from you will offer you the scrap value of your gold and other precious metals. <a href="https://citygoldbullion.com.au/sell-gold-adelaide/" target="_blank"><b>To sell gold jewellery</b></a>, check out scrap gold buyers. There are some who will give you the market value of the gold, minus their fees and refining costs. It can be an excellent way to get some quick cash, especially with the price of gold at the moment.</div><div style="text-align: justify;"><br /></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKEQteFEP2YQp1RrmRqmL9wVHKdZch5Nyk3_Vw_Waq8gFzDUdbw8UNeVK2th6xC9SFYobuTfoIqXFjjy8B0V-mmqXZhWuupgx-JwJ3IMGIoI7DJUppshslaTzoLVmgw1DoN6HwM4ahNyY/s1125/Money+2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="750" data-original-width="1125" height="342" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKEQteFEP2YQp1RrmRqmL9wVHKdZch5Nyk3_Vw_Waq8gFzDUdbw8UNeVK2th6xC9SFYobuTfoIqXFjjy8B0V-mmqXZhWuupgx-JwJ3IMGIoI7DJUppshslaTzoLVmgw1DoN6HwM4ahNyY/w512-h342/Money+2.jpg" width="512" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">Image Source: </span><span lang="EN-GB" style="font-family: "Calibri",sans-serif; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Cordia New"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><a href="https://www.pexels.com/photo/close-up-photo-of-golden-ring-2697608/" target="_blank"><span style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; line-height: 115%;">Pexels</span></a></span><b></b><i></i><u></u><sub></sub><sup></sup><strike></strike><br /></td></tr></tbody></table><div style="text-align: justify;"><b></b><i></i><u></u><sub></sub><sup></sup><strike></strike><br /><span style="font-size: x-large;"><b>Sell Your Old Clothes</b></span><br /><br />Another way that you can make some quick cash is to raid your wardrobe and get rid of any clothes that you do not wear anymore. Rather than take these to a charity shop, you can try selling these and see what you get for them. As long as your clothes are in good condition, you will be able to find a buyer for them, and if you have designer labels in your collection, you may be able to get a little more money for them.<br /><br /><span style="font-size: x-large;"><b>Sell Your Old Gadgets</b></span><br /><br />You can also look to sell any old gadgets and technology that you have, which can be a good earner depending on what you have.<b> <a href="https://www.lifehacker.com.au/2018/10/how-to-sell-your-old-phone-before-the-new-one-arrives/" target="_blank">Selling your old phone</a></b> is an excellent place to start, and if it’s still in working condition, you can get a lot more money for it than if it is broken. Some companies specialise in this where you can get a quote for your old phone, laptop, or gaming system, and sell it to them quickly for some quick cash. The price that you are offered for them will depend on whether they work or not, and what condition they are in. For items that are broken, they may have some value, but it will be significantly less than if they work.<br /><br /><b><span style="font-size: x-large;">Visit A Car Boot Sale</span></b><br /><br />If you have a load of different types of items that you want to sell, you may also consider going to a car boot sale to sell them, where you may get a better price. There is usually a small charge for people that want to sell items, and then anything that you make on top of this is profit. <br /><br /></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgm0t6a7-XjJJ2m4UTGH0YX072MVfVD70CoPqJPy5tlxtz15NA_LVI9tPIdG-OjgOg4fYe-A4Xv1Ohj65FiPxZL-kKmbStsF0owjXkDWgXUikdZ68eoZ3P-LX7x6wBQFVkAGGreZyMSKXE/s1000/Money+3.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="667" data-original-width="1000" height="342" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgm0t6a7-XjJJ2m4UTGH0YX072MVfVD70CoPqJPy5tlxtz15NA_LVI9tPIdG-OjgOg4fYe-A4Xv1Ohj65FiPxZL-kKmbStsF0owjXkDWgXUikdZ68eoZ3P-LX7x6wBQFVkAGGreZyMSKXE/w512-h342/Money+3.jpg" width="512" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">Image Source: </span><span lang="EN-GB" style="font-family: "Calibri",sans-serif; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Cordia New"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><a href="https://unsplash.com/photos/06MrWDQqsZ4" target="_blank"><span style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; line-height: 115%;">Unsplash</span></a></span><b></b><i></i><u></u><sub></sub><sup></sup><strike></strike><br /></td></tr></tbody></table><div style="text-align: justify;"><b></b><i></i><u></u><sub></sub><sup></sup><strike></strike><br />One man`s junk is another man`s treasure, as they say, so no matter what you have to sell, there will be someone out there that will buy it from you. <br /><br /> <span lang="EN-GB" style="font-family: "Calibri Light",sans-serif; font-size: 12.0pt; line-height: 115%;"></span>
</div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com1tag:blogger.com,1999:blog-6290074707985614952.post-70302021071865831252020-07-26T18:10:00.002+08:002020-07-26T18:18:58.247+08:00AFM One Core Program (Forex Trading) - My Initial Review<div style="text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitRjPFB4Tx4w-Xl9ggOelJi6w3n80tt5g-BCqzvx3n2tmijY1jHzudz0_lgWtlJ5QQHwTRZmBKBH9935b3a1b4Nlx-60mdspmcNSSUHI_kBPIqMxz4GjQhVvyDexxfKDTwFsNvWURgeR0/s1247/One+Core+Program.PNG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="751" data-original-width="1247" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitRjPFB4Tx4w-Xl9ggOelJi6w3n80tt5g-BCqzvx3n2tmijY1jHzudz0_lgWtlJ5QQHwTRZmBKBH9935b3a1b4Nlx-60mdspmcNSSUHI_kBPIqMxz4GjQhVvyDexxfKDTwFsNvWURgeR0/s320/One+Core+Program.PNG" width="320" /></a></div>I got to know <strong>Ezekiel Chew</strong>, full time forex trader and founder of the Asia Forex Mentor (AFM), since 2014 and even had a short interview with him previously (you can read my earlier interview with him <a href="http://www.investopenly.com/2014/10/interview-with-ezekiel-chew-of-asia.html"><strong>here</strong></a>). He has came a long way and established himself as a successful mentor/guru in the forex trading arena. </div><div> </div><div>Recently, AFM has launched an online forex trading course called <a href="https://www.asiaforexmentoracademy.com/a/aff_0z20jbmf/external?affcode=221069_k1u7kqx2"><strong>One Core Program</strong></a>, I was being invited to have a sneak peek of the full course which I am still half-way through as it contains more than 16 hours worth of course materials (in video format). </div><div> </div><div>To give you a glimpse of what is the coverage of the course, refer to the snapshot of the topics to be covered below (click on the images to enlarge for easier viewing):</div><div> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8cQbI7-DiFnL5spM22YFbvm7iCjPsw68rGq2bxq1yBfx05Rjhc4nVYVxFDucRtv00lxGvSuNTz64dJer4IwASSW7R1I6QF2Ptvkgg_BmScKNRR99ODOLxN_q2Sb3Z6hLV8Zrhn-bZQuc/s1585/One+Core+Program+1.PNG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="636" data-original-width="1585" height="93" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8cQbI7-DiFnL5spM22YFbvm7iCjPsw68rGq2bxq1yBfx05Rjhc4nVYVxFDucRtv00lxGvSuNTz64dJer4IwASSW7R1I6QF2Ptvkgg_BmScKNRR99ODOLxN_q2Sb3Z6hLV8Zrhn-bZQuc/s320/One+Core+Program+1.PNG" style="height: 119px; width: 451px;" width="320" /></a></div><div> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifYyBerX5Fpt13LEpux4N4El6EtCjj7njLZHWnrOjwnYUGMtzsYtz5Fnw2rmR0IV5CITi2UGlgvx0m4xTZuG5bI_w1pUYc2wE1TfmmpDW1l5e_qi4Tq5c5q20EvDx7uFMR6FFXs1XG-LA/s1580/One+Core+Program+2.PNG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="451" data-original-width="1580" height="63" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifYyBerX5Fpt13LEpux4N4El6EtCjj7njLZHWnrOjwnYUGMtzsYtz5Fnw2rmR0IV5CITi2UGlgvx0m4xTZuG5bI_w1pUYc2wE1TfmmpDW1l5e_qi4Tq5c5q20EvDx7uFMR6FFXs1XG-LA/s320/One+Core+Program+2.PNG" style="height: 84px; width: 448px;" width="320" /></a></div><div> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5cQb7N0PaR_uoJjk3GuNOLUCodpyTIqt28OlUYoUEPGzbh5cGdtv8RD7zftAgws5eyiyyZ5y_mPVGXt_NWq66EiuiMjzwOFfrVS0pYQ-YQihAnwAie6S369GUMdyGtLoO9vmSy455hU8/s1586/One+Core+Program+3.PNG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="508" data-original-width="1586" height="68" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5cQb7N0PaR_uoJjk3GuNOLUCodpyTIqt28OlUYoUEPGzbh5cGdtv8RD7zftAgws5eyiyyZ5y_mPVGXt_NWq66EiuiMjzwOFfrVS0pYQ-YQihAnwAie6S369GUMdyGtLoO9vmSy455hU8/s320/One+Core+Program+3.PNG" style="height: 118px; width: 447px;" width="320" /></a></div><div> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiB8lB6NKrSg2rBgeAQo_DeQi68XJPnm1zPPLgu64QKuVsQjZ0D-KmUek5_lNFU45j7-mXwDzStLQBIVo9-WEt_bZobAL3NyXXcStFDviqB_GyMuW0D0NU9Hrqz6MHhdaIbOBsiWVpWC8w/s1580/One+Core+Program+4.PNG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="553" data-original-width="1580" height="76" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiB8lB6NKrSg2rBgeAQo_DeQi68XJPnm1zPPLgu64QKuVsQjZ0D-KmUek5_lNFU45j7-mXwDzStLQBIVo9-WEt_bZobAL3NyXXcStFDviqB_GyMuW0D0NU9Hrqz6MHhdaIbOBsiWVpWC8w/s320/One+Core+Program+4.PNG" style="height: 94px; width: 445px;" width="320" /></a></div><div> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6lZrSG6cnJyvtzpgflmHoPpKKahFI0kFMnLh0plGX_lf-JSJHfZySRhldgoJk7LPuD6B5C5rSo6w7t-cb2yyFF49eOhpI99-efoFJr-GpCSrLFSoVmLysRiLlbVrUotx2njxOMNenDb0/s1577/One+Core+Program+5.PNG" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="565" data-original-width="1577" height="78" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6lZrSG6cnJyvtzpgflmHoPpKKahFI0kFMnLh0plGX_lf-JSJHfZySRhldgoJk7LPuD6B5C5rSo6w7t-cb2yyFF49eOhpI99-efoFJr-GpCSrLFSoVmLysRiLlbVrUotx2njxOMNenDb0/s320/One+Core+Program+5.PNG" style="height: 148px; width: 436px;" width="320" /></a></div><div>From the above snapshot, it is safe to conclude that this is a rather comprehensive course that will cater for both newbies (covering basics like trading account opening to the fundamental price action interpretation etc...) as well as the intermediate forex traders (on the trading strategies and trading psychology etc...). </div><div> </div><div>One more exclusive feature came with this course is the 1-year Access to the Golden Eye Group whereby Ezekiel will give a weekly insights/review on the latest forex trading sentiment (in video format). </div><div> </div><div>Of course, forex trading is not for everyone, however, if you happen to look around for such similar online courses (with the current Covid-19 situation, I guess online is the way to go for quite a while), do check out more details <a href="https://www.asiaforexmentoracademy.com/a/aff_0z20jbmf/external?affcode=221069_k1u7kqx2"><strong>here (One Core Program)</strong></a> and take full advantage of their <strong>Launch Special (end by 31 Jul 2020).</strong> </div><div> </div><div>Cheers!</div><div> </div><div>Disclosure: The above post contains affiliate link.</div>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com7tag:blogger.com,1999:blog-6290074707985614952.post-64810042406172616542020-06-27T11:20:00.000+08:002020-06-27T11:20:04.226+08:004949 in 2020<div class="separator" style="clear: both; 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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxChoMQFeIpfowapRmvZ6EoE8DPTvjUXjrfai9uLvuRPgrNgOE_n-GNmqxpo5XqVh5ekG-KpR93aPwiQJHLCpvSj8oEXjvRrc1UcMWMz5ym-NgZ19uBI2FiRVtQtghcL-o7_cvLgQN2r0/s1600/4949.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1201" data-original-width="1600" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxChoMQFeIpfowapRmvZ6EoE8DPTvjUXjrfai9uLvuRPgrNgOE_n-GNmqxpo5XqVh5ekG-KpR93aPwiQJHLCpvSj8oEXjvRrc1UcMWMz5ym-NgZ19uBI2FiRVtQtghcL-o7_cvLgQN2r0/s320/4949.jpg" width="320" /></a></div>
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Yesterday (26/06/2020), marked my last day at work with the current employer. Has been working from home for the past 3 months or so, finally got the chance to physically go back to office to return my laptop and stuffs. </div>
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Will be having a one-week break before starting my new job and potentially will also be working from home, at least for the beginning. </div>
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So, why 4949? </div>
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This number is only make sense to me on a very personal level. I am 49 this year and my last company is the fourth employer that I've been working there for the past 9 years. Cannot imagine that I have only worked for 4 employers throughout my 25+ years of working life. Too loyal or too comfortable within the comfort zone? Go figure it out, lol</div>
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General Election is around the corner and it's going to happen on the first week of my new job, not so much a political enthusiast myself but all the best to the worthy Party to win the Election. </div>
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Keep going, keep smiling!</div>
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Cheer! </div>
Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com2tag:blogger.com,1999:blog-6290074707985614952.post-46770915795174991192020-06-12T00:34:00.001+08:002020-06-12T00:34:05.469+08:00Resetting<div style="text-align: justify;">
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjR08Nmo7-Km_tkEjg3qnmSeBJzlfJithEgkOJ87uz3aC9ArIBwFgChk_1UTAxC00dYZuQQGBNZhw_KHF1nwY_5J0Pp84yrwYiHfyzqnbTULvma-AldmyqMUr1F-VQ3NMPI09F23bEDWU4/s1600/resetting.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1200" data-original-width="1600" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjR08Nmo7-Km_tkEjg3qnmSeBJzlfJithEgkOJ87uz3aC9ArIBwFgChk_1UTAxC00dYZuQQGBNZhw_KHF1nwY_5J0Pp84yrwYiHfyzqnbTULvma-AldmyqMUr1F-VQ3NMPI09F23bEDWU4/s320/resetting.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Resetting....in progress!</td></tr>
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As per my earlier post, <a href="http://www.investopenly.com/2020/03/decision-time.html" target="_blank"><strong>Decision Time</strong></a>, finally I am able to share more now that I am officially serving my notice amidst the Covid-19 situation. Will be leaving my current company that I've been serving for 9 years plus, and no, I am not F.I.R.E yet, just pursuing my mid-life career elsewhere. <br />
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In fact, I am one of those rare bunch who like to continue working for as long as possible.<br />
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Will take short one-week break before resetting myself to embrace the new beginning. Throughout my 26+ years working life, I've only changed 3 employers (including the current one), guess I am not into job-hop. The experience of getting into the upcoming 4th employer is kind of unique one as until today, I've not met my future boss (face to face) yet. Thanks to the Covid-19, all interviews were done via teleconferencing, including signing on the Letter Of Appointment is also done electronically.<br />
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With the current Covid-19 situation, I foresee that I might still be WFH (working from home), at least for the first few weeks, will be another new experience in virtual induction and getting to know new colleagues via online.<br />
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Cheers!<br />
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Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com4tag:blogger.com,1999:blog-6290074707985614952.post-26144681639601105732020-03-13T08:18:00.004+08:002020-05-18T07:30:31.532+08:00Friday The 13th (Stock Market version)<div class="separator" style="clear: both; text-align: left;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYDBvc2awJPys_G74yMSAaIk8ZIwTGVlbEySWjzjyne56v7k2yo8WD4XkrCrmgksKq0dCf7DoK79xG6YQrDbYIvpu3b-0vXMqhAReuU1c9_IiSXf7UdR6vbyOOBqnEt2RSbB37J_nKRyg/s1600/EF6C634B-0B1F-4546-8228-8AC90023CD3B.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="194" data-original-width="259" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYDBvc2awJPys_G74yMSAaIk8ZIwTGVlbEySWjzjyne56v7k2yo8WD4XkrCrmgksKq0dCf7DoK79xG6YQrDbYIvpu3b-0vXMqhAReuU1c9_IiSXf7UdR6vbyOOBqnEt2RSbB37J_nKRyg/s1600/EF6C634B-0B1F-4546-8228-8AC90023CD3B.jpeg" /></a></div>
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Today is the well “respected” Friday The 13th, at the back of the 9.99% (2,352 points) drop yesterday at Dow Jones, worst sell off since 1987’s Black Monday, it is only logical to expect the similar bloodbath when the Asian markets opened today.</div>
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Some of my friends are already gradually dishing out their warchest over the past few days for this long awaited “opportunity”. The road to recovery will probably take years (just on the Covid-19 situation, our PM has predicted yesterday that it will continue for a year or longer) but as long as we are invested within our means and have holding power. Stay calm, stay invested!</div>
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Meanwhile, let’s continue to do our part to be socially responsible to fight against the Covid-19!</div>
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Cheers!</div>
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<a href="https://www.forexting.com/">Best Forex Brokers</a>Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com6tag:blogger.com,1999:blog-6290074707985614952.post-33501259968499409442020-03-11T23:23:00.001+08:002020-03-11T23:23:20.564+08:00Decision Time!<div class="separator" style="clear: both; text-align: left;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHu9r7_rfSQxoFKh9_8htu8Zxn3-DfAipG0UeBnqcvtI7BNFfYGWPwHUaaIJL9yIaFxgKhn8qAqTwJlk9OpiQuoqBfQHwmRZ2seuGnulPxhRmx1wYtgkKqD0lVWLtDZFxYDkFkRkQ537Y/s1600/19771C54-F056-49BA-A3D3-2346CFB489C3.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1200" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHu9r7_rfSQxoFKh9_8htu8Zxn3-DfAipG0UeBnqcvtI7BNFfYGWPwHUaaIJL9yIaFxgKhn8qAqTwJlk9OpiQuoqBfQHwmRZ2seuGnulPxhRmx1wYtgkKqD0lVWLtDZFxYDkFkRkQ537Y/s320/19771C54-F056-49BA-A3D3-2346CFB489C3.jpeg" width="320" /></a></div>
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It has been almost half a year since my last post. Been really busy with work recently and went through quite a bit of organisational changes, coupled with the activation of BCP due to the Covid-19, it is kind of madness.</div>
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Today, I’ve made a decision (to self) that will probably change the course of my life in 3.5 months time, It might not be a wise decision (especially at the current situation) but at times we just need to make hard decision and go along with what your heart and mind told you.</div>
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More will be shared at a later date (when it is deemed official), meanwhile, let’s all be extra cautious with the Covid-19 situation and continue to observe our social responsibility.</div>
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Cheers!</div>
<br />Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com0tag:blogger.com,1999:blog-6290074707985614952.post-84712897494394345692019-08-12T11:23:00.000+08:002019-08-12T11:23:07.646+08:00Am back after one-month hiatus<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFGLGeDfj3ltKYoauz3WIbN3iPgeGmC5ZcuUAalHN9opE7h1R9CVFV3Ar5vHZC3HFm3Mx2OWhuxEfdIE9Rw0NwaEVpgEgIQgAzIzjVKZNG49rkPHWaRIdG49IRJ9vT1XS1llcql5eVT3s/s1600/kyoto.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="raccoon dog in Kyoto Japan" border="0" data-original-height="720" data-original-width="960" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFGLGeDfj3ltKYoauz3WIbN3iPgeGmC5ZcuUAalHN9opE7h1R9CVFV3Ar5vHZC3HFm3Mx2OWhuxEfdIE9Rw0NwaEVpgEgIQgAzIzjVKZNG49rkPHWaRIdG49IRJ9vT1XS1llcql5eVT3s/s320/kyoto.jpg" title="raccoon dog in Kyoto" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Raccoon Dogs Statue in Kyoto</td></tr>
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I am back after slightly more than a month break from this blog. For the past one month or so, been busy in moving house, we are finally more or less settling down in the new place. </div>
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Also, just back from a short trip to Kyoto/Osaka Japan. Overall, it's a great trip minus the searing hot weather (heard that this year is Japan's hottest summer and it went up to 37.9 C while we were there). Morale of the story? Avoid visiting Japan during summer if you are not a fan of sun and sea and beach! :-) </div>
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Back at home, we just celebrated our 54th birthday for our nation and hope everyone here (and abroad) have many prosperous years ahead. </div>
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Being an avid movie fan, I've been lagging in catching up with the recent movies, my last movie was Crawl, a pretty good horror thriller about the roaming monster crocs. Still long way to go to catch up some of the recent ones like Fast & Furious - Hobbs and Shaw and Parasite (Korean). </div>
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In terms of my minion size investment portfolio, it remain at its inactive state at the moment as I didn't really have any new action/transaction to shout about.. </div>
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Last but not least, wish everyone have a great long weekend so far and <b>keep smiling, keep going</b>. </div>
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Cheers! </div>
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Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com1tag:blogger.com,1999:blog-6290074707985614952.post-50923466325420626092019-07-10T17:36:00.001+08:002019-07-10T17:36:25.391+08:00Fitting Earbud = Better Exercise experience<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVA4fup-dYnvF2wF2bjZ4Y9xCq_UT0yBcF6R7zXjz-fhgmpkDWdOiIa3y1HPPcUZQYqOMmRlIWUPcswXWrQqmHxRjWqINPCiojUWg0gfAWK9Oy6h7q6MGiT6G8utTgJ4ADo_-JqVND_2c/s1600/Earbud.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="767" data-original-width="972" height="315" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVA4fup-dYnvF2wF2bjZ4Y9xCq_UT0yBcF6R7zXjz-fhgmpkDWdOiIa3y1HPPcUZQYqOMmRlIWUPcswXWrQqmHxRjWqINPCiojUWg0gfAWK9Oy6h7q6MGiT6G8utTgJ4ADo_-JqVND_2c/s400/Earbud.PNG" width="400" /></a></div>
For the past 2 weeks or so, I've been visiting gym quite regularly (at least 2-3 times a week) to maintain my exercise regime so as to delay the "widening" effect (if you know what I meant :-). Most of the time, I will just do the threadmill exercise with the occasional dumb bell lifting,</div>
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One of the self "mandate" for me is listening to the music while doing the exercises. I find that it does improves my exercise momentum and enjoyment. There is one side issue though, that is finding a fitting earbud. I used to use cable earphone attached to my iPhone but recently changed it to wireless earbud (but still have wire, just not attached to the phone). </div>
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You see, my ear tends to get oily easily and hence getting a fitting earbud is important but a challenge, finally, I settled for the one with silicone ear gels (in 3 different sizes) so that it can helps to "fix" the placement in my ear. Of course, my the other consideration is to ensure that the earbud can last sufficiently long as the last thing I want is it went kaput while I am still half-way through my exercise. </div>
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How about you? Have you found your fitting earbud?</div>
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Cheers!</div>
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<em>The award-winning engineers at xFyro audio created the most advanced pair of "waterproof earbuds" on the market, bringing next-generation technology today's active listener. Click on </em><a href="https://www.xfyro.com/blogs/news/how-do-you-unclog-earbuds" target="_blank"><em>xFyro waterproof earbuds</em></a><em> to find out more.</em> </div>
Investopenlyhttp://www.blogger.com/profile/07785795437892877722noreply@blogger.com0