• strong

    My greatest lifting rookie mistake

    “If you could go back in time, what would be the biggest mistake you would stop yourself from committing?” My peers ask me that sometimes. I see it asked on reddit too. For me, my greatest lifting rookie mistake would be not sticking with one good training programme for long enough. I always wanted to “optimise” my performance. I read through forums, online reviews as well as watched Youtubers giving their opinions on various lifting programs. Moreover, I went to purchase some of their programs. However, I realised that the programs are nothing special. Yes, your favourite content creator may promote his program and tell you about how much effort…

  • frugal

    Manage your cash in ELASTIQ (Limited Promotion!)

    I used to be a happy owner of my Standard Chartered Jumpstart account, back when it had 2% interest rate. But now that it has halved, I had to look for alternatives. Luckily, insurance savings policies (such as ELASTIQ) were rising in popularity. Outside of Singlife’s 2.5% which many people already religiously swear by, I still needed to store my excess cash outside of $10,000 somewhere. After looking around, bank accounts did not cut it, fixed deposits posed liquidity problems, Singapore Savings Bonds just were not worth it. I considered cash management solutions such as Stashaway Simple and Endowus Cash Smart. However, their returns did not seem very exciting. Stashaway…

  • frugal

    When does being frugal becomes cheap?

    Many of us struggle with being frugal. We want to save, yet we do not want to be called “cheap”. As derogatory as the term is, I believe that there is nothing wrong with being called “cheap”. However, there is a fine line between being reasonably “cheap” and being calculative and “cheap”. This is my personal take. It’s ok to be cheap on yourself Cheap out on yourself. It’s okay. Nobody will judge you. Nobody will care that you went for the $1.15 budget loaf of bread instead of the $2.00 Gardenia bread. They both taste similar. What’s the difference? In places where you can save, save it. There are…

  • frugal

    I am young, should I practice dividend investing?

    As a young investor (19 years old), some of us may be enticed by dividend investing. The idea of cash flowing into your pockets because the company is doing well just sounds heavenly. Admittedly, at the start, this is how I perceived it too. Dividend investing seemed like this safe haven where you just collect blue-chip stocks and let the income roll in as time passes. Given that they are blue-chip companies, they are likely to withstand crises… right? There are a few kinds of investing. They are passive index investing, value investing, growth investing and dividend investing. For some reason, people seem to love the idea of earning passive…

  • frugal

    Can we make money by buying companies that don’t?

    What am I talking about? Sounds absurd right? Well, not to many traders who trade based on investors. There are many firms which are deemed to have “growth potential” and thus should have a huge upside and many people want to jump onto the bandwagon so that they will not “miss out” and be able to catch the next “Amazon”. But it is not like that. That is not how stocks are worth. Jim Cramer, the host of Mad Money, has mentioned that the “electric vehicle, minus Tesla, has started to burst”. During the surge in zero emission vehicle firms 2 months back, companies like Nikola were riding the wave…

  • frugal

    11% rise in revenue, is Apple (AAPL) still a buy?

    When investing in a stock long term, you should focus on the company’s fundamentals. To break down the company’s fundamentals, I like to look at their qualitative and quantitative parts. For the qualitative part of the company’s fundamentals, it would look at their qualities, who they see as competitors and how they work as a company moving forward. For the quantitative part, it would be looking at their revenue, net income, profits and year-on-year growth over time. I will pen down my thoughts on Apple, one of the most valuable publicly traded companies in the world, talking about their fundamentals and explaining why I remain invested in them. Qualitative Looking…