Archive for June, 2018

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…

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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

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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 😎 )

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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 🙂

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Work

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

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