Meta tags:

Headings (most frequently used words):

sunday, 2013, and, 2014, of, to, february, april, 2012, links, car, hjteo, personal, finance, learnings, in, life, 2015, 16, saturday, october, 26, tuesday, 23, 14, january, 27, december, 30, about, me, previous, posts, archives, review, replacement, suze, orman, recommends, months, emergency, expense, listen, read, keep, or, replace, the, new,

Text of the page (most frequently used words):
the (54), and (29), car (21), for (15), that (13), 2011 (11), hjteo (11), 2014 (10), 2013 (10), 2012 (10), 2010 (10), 2008 (10), used (10), life (10), this (10), 2009 (9), time (9), strategy (9), your (8), posted (8), has (8), some (8), day (8), you (8), february (7), april (7), january (7), #december (7), comments (7), year (7), well (7), will (7), blessed (7), financial (7), are (7), october (6), may (6), been (6), with (6), labels (6), wisdom (6), important (6), november (5), august (5), new (5), read (5), values (5), sunday (5), one (5), finance (5), personal (5), not (5), from (5), can (5), also (5), oil (5), july (4), march (4), september (4), 2007 (4), links (4), replace (4), suze (4), orman (4), emergency (4), review (4), com (4), much (4), our (4), still (4), article (4), price (4), passive (4), little (4), things (4), game (4), engine (4), 2015 (3), keep (3), listen (3), expense (3), replacement (3), about (3), invest (3), basis (3), possible (3), above (3), which (3), other (3), investor (3), investing (3), cars (3), needs (3), scrap (3), here (3), question (3), when (3), due (3), coe (3), prices (3), like (3), active (3), management (3), more (3), market (3), search (2), terms (2), posts (2), june (2), recommends (2), months (2), christianpf (2), singaporeanstocksinvestor (2), blogspot (2), investment (2), portfolio (2), cents (2), news (2), next (2), regularly (2), monthly (2), selectively (2), participate (2), rights (2), issue (2), worked (2), recently (2), reading (2), regular (2), note (2), ideas (2), diversification (2), covered (2), 000 (2), major (2), but (2), hence (2), have (2), find (2), good (2), any (2), case (2), repair (2), better (2), link (2), low (2), there (2), now (2), buying (2), start (2), blog (2), http (2), what (2), looking (2), doing (2), generating (2), least (2), use (2), words (2), trying (2), education (2), others (2), know (2), spend (2), latest (2), they (2), few (2), far (2), come (2), down (2), ask (2), service (2), while (2), winning (2), why (2), years (2), hyundai (2), accent (2), items (2), air (2), top (2), dealers (2), direct (2), sellers (2), offer (2), value (2), learnings (2), submit, form, enter, subscribe, atom, archives, happiness, changing, moment, testimony, richard, teo, previous, simonsimple, simplicity, integrity, magnanimity, reitdata, getrichslowly, org, gatherlittlebylittle, thefinance, ghchua, sgfunds, multiply, five, ten, google, view, complete, profile, singapore, location, name, end, again, plan, interesting, all, added, couple, collates, blogs, singaporean, stock, ways, similar, recommendation, own, responsible, actions, korean, workhorse, just, 240, repairs, potential, affecting, safety, aspect, would, longer, take, away, make, run, safely, altogether, pending, whether, lead, lower, way, lowers, unless, rate, changes, scheme, required, deposit, before, purchasing, opinion, emphasis, prudence, especially, asset, depreciating, want, learn, recorded, message, local, blogger, ak71, further, information, his, tuesday, fund, dave, ramsey, video, useful, explain, derived, saturday, updating, back, income, than, bank, rates, continue, building, war, chest, opportunities, add, recent, cny, correction, share, preview, consider, generate, extra, returns, through, strategies, require, large, amounts, spent, loved, ones, faith, dreams, worthy, cause, teaching, mentoring, don, already, answer, perhaps, story, help, investors, following, their, precious, leisure, watching, business, studying, charts, trade, publications, even, among, who, successful, alpha, performance, risk, adjusted, benchmarks, success, lost, home, busy, get, sit, glass, wine, wife, her, how, kids, grandchildren, because, didn, beat, got, coach, youngest, daughter, softball, soccer, basketball, teams, books, each, community, play, tennis, focus, really, evidence, overwhelming, seekingalpha, 2009931, should, too, wealth, journey, family, priority, record, moved, notches, reviewing, beginning, using, staying, helped, shall, reinvent, wheel, works, work, late, after, scrapped, legislated, age, served, 270, minimum, fuss, breakdown, fact, apart, wear, tear, brakes, tires, batteries, spark, plugs, filters, etc, most, working, did, burn, bit, managed, fraction, overhaul, learned, another, high, 70ks, upon, getting, change, filter, need, monitor, fluids, forms, downloaded, motoring, website, diy, insurance, ownership, transfer, lta, pay, cash, maintenance, records, inspect, check, comfortable, friend, mechanic, aas, look, both, party, wins, old, seems, best, depreciation, acceptable, loss, selling, dealer, typically, give, usually, very, sometimes, replaced, process,

Text of the page (random words):
hjteo personal finance and learnings in life hjteo personal finance and learnings in life my education process in personal finance and life sunday february 1 2015 review of 2014 and replacement of car due to family needs the priority to record 2014 has moved notches down reviewing 2014 at the beginning of 2015 using the strategy of investing little by little and staying in the market has helped and worked so we shall not reinvent the wheel do note that this works for me and may not work for others in late 2014 we also replaced our hyundai accent after it has been used for 10 years and needs to be scrapped due to it s legislated age the hyundai accent has served us well for 10 years and covered 270 000 km with minimum fuss and breakdown in fact apart from wear and tear items like brakes tires batteries engine oil spark plugs oil and air filters etc most of the items are still working when we scrap it it did start to burn a little bit of engine oil but that can be managed with regular oil top which is a fraction to a engine top overhaul few things we learned while looking for another used car as the coe prices is still at a high prices of 60 70ks know the market of the used car like the buying price of used car dealers will offer usually very low sometimes at scrap value the selling price the used car dealer will typically give for us 8 9 year old cars seems offer best value in terms of depreciation as well as acceptable loss look for direct car sellers so that both party wins some time dealers can come in as direct sellers inspect check the car if not comfortable ask a friend or mechanic or use aas used car service as for maintenance records pay cash as much as possible diy with car insurance as well as the ownership transfer at lta forms can be downloaded from one motoring website upon getting the car at least change the engine oil air filter if need and monitor replace some of the other fluids blessed day labels cars financial wisdom values words of wisdom posted by hjteo 4 06 pm 0 comments sunday february 16 2014 2014 it s been some time that i been updating this blog looking back at 2013 my portfolio is still doing well generating some passive income at least better than bank rates hence my strategy for 2014 will invest regularly on monthly basis as much as possible selectively participate in rights issue continue building war chest and use opportunities to add i e recent cny correction also like to share this article that i read recently from the wealth journey http seekingalpha com article 2009931 why im a passive investor and you should be too a little preview the more important game of life while the evidence is overwhelming that passive investing is the winning investment strategy it s also the winning strategy in the far more important game of life here s why as a passive investor when i come home from my busy day i get to sit down with a glass of wine and ask my wife about her day and how my kids and grandchildren are doing because i didn t spend my time trying to beat the market i also got to coach my youngest daughter s softball soccer and basketball teams i also read 50 to 70 books each year do community service play tennis and focus on the other really important things in my life investors following an active management strategy spend much of their precious leisure time watching the latest business news studying the latest charts reading financial trade publications and so on even if they are among the few who are successful at the active management game of generating alpha performance above risk adjusted benchmarks the price of success may have been that they lost the far more important game of life the question for you to consider is what are the important things in your life is it trying to generate extra returns through active management strategies that require you to invest large amounts of your time or are the important things in your life time spent with your loved ones on your faith your education your dreams a worthy cause teaching or mentoring others if you don t already know the answer perhaps this story will help you find it blessed day labels diversification financial wisdom ideas values words of wisdom posted by hjteo 10 19 am 0 comments saturday october 26 2013 suze orman recommends 8 months of emergency expense there is the question of emergency fund in dave ramsey and suze orman this video by suze orman is useful to explain what is emergency expense is derived blessed day labels financial wisdom values posted by hjteo 4 26 pm 0 comments tuesday april 23 2013 listen and read if you want to start to learn about financial values you can listen to a recorded message by a local blogger ak71 link here for further information you can read his blog http singaporeanstocksinvestor blogspot sg blessed day posted by hjteo 6 43 am 0 comments sunday april 14 2013 to keep or to replace the car there is now some changes in the car buying scheme that now one required some deposit before purchasing in my personal opinion this is good as it is to emphasis on financial prudence especially in an asset that is depreciating this will in due time lead to a lower coe price and that in a way lowers the used car prices in any case unless the coe is at a low rate it will be used car so the pending question whether when to keep the car or replace the car christianpf has a article on it link here one of the take away from the above article for me is that in any case if the major repair is to make the car run safely it s better to repair or scrap it altogether our korean workhorse has just covered 240 000 km it needs some repairs one potential major but not affecting the safety aspect hence we would have a longer time to find a good replacement blessed day labels cars posted by hjteo 4 09 pm 0 comments sunday january 27 2013 new links hi all added a couple of new links one is the finance which collates recently posted blogs on personal finance the other is a singaporean stock investor which i been reading on a regular basis and in some ways similar investing strategy note that this is not a recommendation we are on our own still responsible for our actions blessed day labels diversification ideas review posted by hjteo 3 14 pm 0 comments sunday december 30 2012 2012 to 2013 year end again and time to review as well as plan for next year 2012 has been interesting with the strategy to invest regularly on monthly basis as much ad possible selectively participate in rights issue the above strategy has worked well for this year and this strategy will be used next year as well blessed new year labels financial wisdom values posted by hjteo 7 23 pm 1 comments about me name hjteo location singapore view my complete profile links google news five cents ten cents hjteo multiply com sgfunds com ghchua investment portfolio singaporeanstocksinvestor blogspot sg thefinance sg christianpf gatherlittlebylittle com getrichslowly org reitdata simonsimple simplicity integrity magnanimity previous posts review of 2014 and replacement of car 2014 suze orman recommends 8 months of emergency expense listen and read to keep or to replace the car new links 2012 to 2013 life changing moment testimony of dr richard teo happiness new car vs used car archives august 2007 september 2007 october 2007 december 2007 january 2008 february 2008 march 2008 april 2008 june 2008 july 2008 august 2008 september 2008 november 2008 december 2008 january 2009 april 2009 may 2009 june 2009 august 2009 september 2009 october 2009 november 2009 december 2009 january 2010 february 2010 march 2010 april 2010 may 2010 july 2010 august 2010 october 2010 november 2010 december 2010 january 2011 february 2011 march 2011 april 2011 may 2011 july 2011 august 2011 september 2011 october 2011 november 2011 december 2011 january 2012 march 2012 may 2012 july 2012 november 2012 december 2012 january 2013 april 2013 october 2013 february 2014 february 2015 subscribe to posts atom enter your search terms submit search form