2023

Why didn’t the market crash,

Sold all holdings in SGX , left with 50k in SRS held in STI ETF

just signed up for moomoo brokerage, i think i gonna put in $5k to try my hand on 7x DLC.

2019

Home

• Prepare to move into new home 🙂 Shopping for furniture, TV, Fan and curtains
• Plan to purchase micro-ATX or mini-ATX PC

Finance

• Repay remaining 50k owed in CPF.
• Withdraw SSB 100k to repay bank loan in two tranche.
• The car also seems to popup in my mind but after supporting the old family car these few years, it’s cost just always seems to bring down my finances with not much benefits, maybe just using grab or bluesg will be a more prudent way.
• Track my expense better and cut down on unknown spending 😦

Health

• Will have to do a health checkup.

Investment

• Seems that with the recent dip, the triangle strategy of equities,bonds and gold/oil is good at preserving value. That’s the way to go for 2019.

review of 2018

Finance

• Perform a Bond Ladder for SSB. Check the daily rates for 1, 5,10 yrs SGS bonds and drop lower yield bonds to buy the higher yields ones. Nope. SSB limit is now 200k, no need for bond ladder.
  
• Continue to repay CPF, if bank mortgage rate is lower then CPF rate. Wooo-Hooo repaid another 20k this year, left with 50k to refund CPF
• For new investments move away from interest rates sensitive ones. Bought more equities not related to interest rates, they have seems to tanked along with interest rate linked ones. Seems the triangle relationship is true, the gold i have has risen in value instead.

Health

• Do a Health Checkup Will have to do a checkup at one of those private clinic.

Home

• Keep producing compost, remember to ask for used coffee powder from pantry auntie. Need to find pantry auntie to collect used coffee powder, i ran out of ferts…
• Keep producing Orange/Pineapple enzyme Will stop producing orange enzyme, its not really as effective as white vinegar.

Hobbies

• Clean and MAINTAIN the aquarium. Great Work, trying to make it “Dutch”style… i think…

2018

Finance

• Perform a Bond Ladder for SSB. Check the daily rates for 1, 5,10 yrs SGS bonds and drop lower yield bonds to buy the higher yields ones.
• Continue to repay CPF, if bank mortgage rate is lower then CPF rate.
• For new investments move away from interest rates sensitive ones.

Health

• Do a Health Checkup

Home

• Keep producing compost, remember to ask for used coffee powder from pantry auntie.
• Keep producing Orange/Pineapple enzyme

Hobbies

• Clean and MAINTAIN the aquarium

 

review of 2017

Finance

• Repay Mortgage from savings. ( Savings are on track 🙂 ) Repaid $70k to CPF instead 🙂
  
• Go only for Bond discounted due to interest rate rising on SGS bonds or Dividend Stocks (non-reit) whose price dropped. (Yield still low, waiting for interest rate to raise)
  Maxed out on SSB, Putting in money to interest rate sensitive investments (TIP, 30 yrs SGS Bonds, VNQ, VMBS). Stupid as it sounds, i am betting hedging betting against the interest rate rising.
• Save up for down-payment to replace car due Oct 2019 (need to build additional $10k/pa cash flow to afford a car) plough down on investments a better approach? COE price is still dropping.
  Woot COE at 8 yrs low!! Seems like buying a car is not required for us. Will wait and see if we need it in 2019
• Get a Taxi Vocational driving license. Not too sure if being a taxi driver is suitable Better to not be a taxi driver. i will probably kill someone driving…
• Leave home for work at 0640. started slacking after wedding dinner, getting lazy 😦 Gave up on the Discounted fares…
• Save up for Rolex Explorer I 🙂 too extravagant, the watch seems to big for my wrist. maybe i could carry a seiko better. Got a Casio A168… $25…

Health

• Swim once a week ( yes 😎 ) Have cut down on swimming, everyone is busy 😮
  
• Play Basketball or Gym once a week i will try
  
• Perform health check-up once available ( yes 😎 ) SAF style Nope

Home

• Bake bread twice a week (also get a cool rack for the bread) (Getting lazy 😦 ) Waking up early to cut the bread is tiring me, i need to figure out a better timing
• Follow and complete housework routine (Getting lazy 😦 )  Trying to follow the chores routine in the calendar… trying
• Baking Soda to replace laundry detergent ( yes 😎 ) baking soda is used with laundry detergent
• Orange Peel Enzyme to replace other cleaning detergent ( yes 😎 )

Hobbies

• Budget for Upgrading PC ( Addtional SSD, SteamLink, Graphics Card gtx1060) PC broke, emergency replacement made.
• DIY a lap board for couch gaming. bought one from ikea, latency from streaming and display resolution isnt as good as expected for online games.
• Rework my aquarium with arduino spent money on normal setup 😦
• OMG, i got a kindle from black friday sales 2016. So much books to read. i broke the battery, but im reading so much more. using kindle and factiva on a normal is so useful 🙂

Work

• Master SED and AWK kinda useful, but need to but up my knowledge base in all the queries.
  

a simple 2017!!!

Finance

• Repay Mortgage from savings. ( Savings are on track 🙂 )
• Go only for Bond discounted due to interest rate rising on SGS bonds or Dividend Stocks (non-reit) whose price dropped. (Yield still low, waiting for interest rate to raise)
• Save up for down-payment to replace car due Oct 2019 (need to build additional $10k/pa cash flow to afford a car) plough down on investments a better approach? COE price is still dropping.
• Get a Taxi Vocational driving license. Not too sure if being a taxi driver is suitable
• Leave home for work at 0640. started slacking after wedding dinner, getting lazy 😦
• Save up for Rolex Explorer I 🙂 too extravagant, the watch seems to big for my wrist. maybe i could carry a seiko better.

Health

• Swim once a week ( yes 😎 )
• Play Basketball or Gym once a week
• Perform health check-up once available ( yes 😎 ) SAF style

Home

• Bake bread twice a week (also get a cool rack for the bread) (Getting lazy 😦 )
• Follow and complete housework routine (Getting lazy 😦 )
• Baking Soda to replace laundry detergent ( yes 😎 )
• Orange Peel Enzyme to replace other cleaning detergent ( yes 😎 )

Hobbies

• Budget for Upgrading PC ( Addtional SSD, SteamLink, Graphics Card gtx1060) PC broke, emergency replacement made.
• DIY a lap board for couch gaming. bought one from ikea, latency from streaming and display resolution isnt as good as expected for online games.
• Rework my aquarium with arduino spent money on normal setup 😦
• OMG, i got a kindle from black friday sales 2016. So much books to read. i broke the battery, but im reading so much more.

Work

• Master SED and AWK

Save

2016 to-do’s

-max out CPF MA

-save spare cash for CPF topup then SRS topup makes more sense to repay mortgage

-find additional income. (start small) (try selling aquarium lighting??) FAILED

-plan a trip to Bali with Dear

-redo aquarium lighting   Fitted new LED strip but did not replace hipower led spotlight 😦

-attend a electrician course using skill futures funding completed a electrical course 🙂

-track SGS 10 year benchmark and if interest is greater than 2.5% , reserve $$$ to purchase SSB 1-2 months late it went to 2.4% and i went in.

-tighten financial chart, tighten flow of money

Review of 2015

whew  for 2015 , i felt like I caught a breather in life.

-got married 🙂

-bought a condo, emptied my cpf :0

-Found a idea camping spot for my career. i hope to get increments while waiting for a better opportunity.

-finally drafted a money plan based on a highly coordinated cash-flow routine. 🙂

-made additional savings into SRS 🙂

-100K 🙂 left and steadily increasing 🙂

 

2014

• create a  user guide to use Linux Mint Debian to access the company’s corporate systems.✘
• set aside $3000 to “play” warrants.✘
• swim weekly.✘
• attain IPPT silver before next ICT.✘
• sell more innovative products online.✘

haha oops… nothing was achieved for 2014 😦

mid yr review!!!

Must Do’s

• Continue keeping an accurate account of expenditures.✔ – started slacking this month..gotta keep up.
• Rework budget based on last yr expenditures and keep to it.✘ – overspending again.
• Run 2.4km weekly.✘
• Swim weekly.✔
• completed raid5 zfs backup to crashplan.✔

Good to have’s

• Learn to use Puppet, open source configuration management tool ✘
  
• Write another a full fledged GUI program using Perl or Python on the raspberry-pi 😦 ✘
• do a complete LVM backup of application disk. ✘

Sometimes i cannot help to feel that i love super-femmes, and they like butches….

Femmes
In general, femmes are seen to be almost identical to heterosexual women, apart from their sexual orientation, although some respondents suggest that femmes are more daring, edgy, or “garang” (Malay for “fierce”) than straight women. While it is unusual for butches to display non-masculine behaviours and traits, femmes who carry out masculine behaviours are still considered femmes. They may range from the extremely feminine lesbian (variously described as the super-femme or ultra-femme) who Rita suggested would have “lipstick, makeup all the time, dressing very feminine, the way she walks, the way she behaves”, to the “tomboyish” femme who may prefer wearing jeans and a t-shirt, but they are not divided according to their “level” of femininity. There are no specific labels to separate less or more
feminine femmes. Charissa attempted to explain what makes her girlfriend a femme: “It’s like she doesn’t have flowers all over her shirt, or she doesn’t like, always wear tight jeans all the time. She likes to wear t-shirts and shorts and very loose-fitting clothes. But it’s all the, it’s in the small things, like the type of slippers she chooses, or like, how she wears her hair, and how she takes effort in picking out the appropriate bra for the appropriate dress, that sort of thing.”However, femmes The word “active” may also be used to describe the romantically or sexually aggressive half of a couple. could be categorized by who they were attracted to. Natasha, Katherine and Frances, who subscribed to the labels, were the only respondents who did this. Femmes who are attracted to other femmes were
described as “pure lesbians” (PLs), while femmes attracted to butches were either simply “femmes” or occasionally “passives”.
There is however, a clear differentiation between a femme and a “straight girl”. The latter refers to (feminine) women who are currently in a relationship with a (usually masculine) lesbian. It is not necessarily a fling, as there is the possibility of the relationship continuing for a long period of time, but these “straight girls” do not consider themselves lesbians. Katherine noted that most of her past girlfriends have been “straight girls”: “they’re straight girls, I convert them for a while, and then after that they go back in [to straight relationships]… and they never have another girly – feminine sexual encounter ever again… And if someone asks them, so are you straight? They usually go like, yeah. I’m just the exception… they don’t identify themselves with any of these categories, they don’t identify themselves as lesbians at all.”

{from : http://scholarbank.nus.edu.sg/bitstream/handle/10635/23775/Pamela%20Devan%20Masters%20Thesis.pdf?sequence=1}

So Kewt

🙂