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y we looked forward to a time when we could be working from home instead we envied those whose occupation allowed them that flexibility and now may of us find ourselves going through this experience whether you want to or not difficult times and suddenly many things have become possible so how has the experience been it s been 6 months some positives i don t need to spend 1 hour going to work and 1 hour coming home that s 2 hours per day saved that s 2 24 return or 10 168 if you want to be mathematically correct for a 5 day work week not bad if only i could monetise that i no longer have to spend 25 to take a grab ride home when i was too tired to do the bmw thing that s bus mrt walk by the way in the morning i can take the time saved to a play 45 min of badminton for 3 50 b go for a 5 km walk around the neighbourhood curtailed because of dengue risk or spend a lazy morning to read papers and sip my cuppa of kopi or snooze just a wee bit longer lunch tea breaks and toilet breaks are convenient any time just stock up the kitchen helps that wifey loves to bake i can listen to news or whatever entertainment on my tv it s actually an excuse for background noise listen to a free coursera course video absorption isn t too good though and read my office e mails to clear work meetings have become shorter sometimes a 15 min skype call was all it took presentations have become easier no longer do you have to stand and present with minimal reference materials to back you up you can have all the info you need opened up on the screen to refer to a couple of friends shared their experiences one told me he run down for a swim at his condo s pool over lunch and still have time to finish a quick lunch another told me that he can take a 30 min power nap after lunch something that just seemed inappropriate to do in the office in the past works wonders for him how s your experience been posted by lizardo at 8 44 pm no comments email this blogthis share to x share to facebook share to pinterest 16 september 2020 changing address on nric for a new property one of the numerous things to do after buying a new property and when ready to move into is to update our nric what does it take to change the address on our nric pretty straightforward apparently just head to a friendly neighbourhood police post bring along your nric and some concrete evidence that you live in that property i showed the police officer documents that showed i bought the property but he didn t seem none too impressed with that hello that s a 1 5m contract ok nope he was not impressed but his eyes sparkled when he saw the pub bill for 7 whatever works seems like the preferred document is a bill from pub to the new property nevermind it was only 7 the police officer was able to get everything done on the spot and neatly pasted a tamper evident sticker of the new address over your nric and you re done i think he was bored to death having nothing to do and was happy to be of service the it system will automatically update other government agencies e g cpf iras lta etc hmmm all of whom collect money from you at some point although he said it might take a few days i noticed all records were updated by the next day including my singpass myinfo neat it sure beats my experience in the us over getting my driving license and social security card but what happens to the rest of the family members whose names are not shown on the pub bill i brought along my marriage certification for my wife and birth certificates for my children i m pretty kiasu those showed the relationship between the other members with me all good he checked and was ok with them done in a jiffy i guess it gets complicated if the other residential members are not your family members and or you can t produce the relevant relationship documents don t ask me how boy go ask ica or enquire at the friendly neighbourhood police post i m sure there s a way out though it might involve jumping over the moon and more leg work to get it done howling probably wouldn t work though you can try let me assure you changing the address this was easy what was hard was changing my e mail one might think the virtual ought to be easier than the physical but nooope do you know how much pain it is to change your e mail when almost everything are linked to your e mail and often the e mail is the login userid oh my gawd it took me days and weeks to figure em out one by one related going top in the midst of covid 19 posted by lizardo at 8 13 pm 4 comments email this blogthis share to x share to facebook share to pinterest labels property 11 september 2020 going top in the midst of covid 19 i don t know why i am so lucky toto did not strike but when i buy a new property it has to top in the midst of covid 19 haiz with the circuit breaker kicking in nothing could be done so the developer could not proceed with the issuance of keys when they finally could months later the joy of receiving the keys to the new place turned into a nightmare water seepage in the unit outside the unit railings with rust spreading down to the tiles debris could be seen having fallen off certain floors concrete oh my gawd did this condo experience an earthquake or something haiz haiz and you want to arrange for a joint inspection wait wait wait some people are still waiting months later and some people haven t even gotten their keys yet so i guess i m one of the luckier ones being among the first to be issued meantime the 6 month window to sell my property to redeem the absd is slipping away fortunately there was a 6 month additional extension in view of covid 19 clock is counting down posted by lizardo at 8 13 pm no comments email this blogthis share to x share to facebook share to pinterest labels property 09 march 2020 a sea of red as the bear awakens from hibernation a sea of red once again it s not every day that we see stocks like cse global dropping 13 or the likes of ocbc sats and qaf by more than 6 in a single day sti is now at 2782 a far cry from 3 300 plus at a recent peak for somebody holding a portfolio of 10 000 a 20 drop is 2 000 difference if you have a portfolio of 1 000 000 that 20 is 200 000 100x difference bearable now s where the rubber hit the tarmac for those who say they can tolerate a 40 drop and will not sell down in panic here s validation time what s your reaction like so far are you flinching yet a twitch maybe and by the way it s tax season have you filed your income tax yet posted by lizardo at 8 23 pm 6 comments email this blogthis share to x share to facebook share to pinterest labels cse global ocbc qaf sats 26 february 2020 china has a flu and the whole world gets sick taxi drivers are complaining about low pick up rate and are suffering from massive income cut smrt and comfort delgro will suffer tourists are not coming to singapore so the likes of gentings and straco are suffering from zilch revenue tourists are staying away from flying into singapore given the number of cases singaporeans are also worried about flying out so sia will suffer and the effect will cascade to sats sia has already cut large number of flights in the months ahead and staff are surplus a plenty no tourists no major events the mice sector also suffers so kingsmen will suffer trade grinding to a halt because china factories are only slowly trying to resume amidst their lockdowns and containment so all the industrial and shipping side are facing slowdowns i think yangzijiang and industrial reits will suffer malls are pretty empty these days all staying home to avoid crowded places so reits like suntec reit will suffer who gains in times like this maybe the likes of topglove and riverstone and hospitals raffles medical first reit maybe the supermarket chains too if they have a strong internet ordering front with home delivery service banks are going to suffer from increasing bad loans and slow down in loans for business ocbc uob dbs will suffer will the telcos singtel starhub do better as there could be more internet traffic but the margins are poor and if the traffic are largely generated while at home with their existing broadbands the effect is likely neutral capitaland and even temasek holdings are tightening their belts and freezing pay they are trying their best not to retrench the workforce meantime breadtalk is being taken private alas all in a bleak picture of downtrend in the months ahead another black swan event as nature rears its head definitely buy opportunities if they survive this only a question of when i pity the graduating students from all walks joining the workforce this year posted by lizardo at 8 51 pm 2 comments email this blogthis share to x share to facebook share to pinterest labels breadtalk dbs ocbc raffles medical reit riverstone singtel starhub top glove uob yangzijiang 02 january 2020 thoughts on a 27 year old researcher spending profile so there was an interesting article from cleo singapore that was reproduced on asiaone about a 27 year old as an overview i thought it was nice that she was contributing 10 of her salary to her parents plus more than 10 in savings but at the same time she still has substantive education loans to pay off being a 27 year old with a post graduate degree she must have just started work with zero savings to boot so the savings is probably to build up some emergency funds first else it would probably better to pay off the loans first and be debt free as a mental exercise i was thinking of how such a person could try to save even more pay off the loan earlier and start a serious investment going so here are some possibilities she may be paying too much for insurance probably some whole life or investment linked type better to buy term hospitalisation critical illness and invest the rest transport expenses seem to be on the high side i m guessing taxis and grab rides perhaps she could cut back some although of course this would be at the expense of time it is probably too early for her to want to consider supplementary retirement scheme as she is still in the lower tax bracket no spare money for donations yet for some tax deductibles either the rest seems decent all in maybe she can save another 200 400 per month that s 2 400 to 4 800 a year assuming 2 400 savings a year increasing at a rate of 2 each year and invested at a total rate of return of 7 by age 55 she would have over 300 000 that s one third on the way to becoming a millionaire and at 4 extraction rate generating an additional passive income of slightly over 12 000 per year but if she doesn t make the additional savings her current savings of 500 a month lower bound would already put her at over 600 000 by age 52 generating 24 000 passive income a year not bad of course in reality this isn t going to happen because of marriage kids housing unexpected emergencies etc still not bad what do you think posted by lizardo at 2 20 pm no comments email this blogthis share to x share to facebook share to pinterest 26 december 2019 boxing day 2019 the day the aliens came x mas 2019 came and went yet another x mas the next day however was an altogether unforgettable affair definitely not another typical boxing day it was the day the aliens came their arrival was swift and awe inspiring dancing in the skies for hours over lunch and into the afternoon enthralling all people were seen running out of the malls to see for themselves first hand hearts palpitating the next day 27 dec 2019 hospitals and clinics island wide reported being overwhelmed with many patients all complaining of blurred visions coupled with neck injuries productivity hit rock bottom oh wait what not an alien invasion but that alien eye looking thingy it s just a solar eclipse oh embarrassed silence looks like we get to live for another 43 years before the next sign of an invasion continue investing you ll still need money to retire on the end is not here yet merry x mas and happy new year posted by lizardo at 9 55 pm no comments email this blogthis share to x share to facebook share to pinterest 17 december 2019 angst of replacing a home it s such an angst trying to find a practical way to replace a home with another i m not talking about upgrading simply about moving from one to another equivalent so here s the setup the home is a condo originally an e condo with a 99 year lease it is now 12 years old things are starting to break down here and there although perhaps nothing major it worked well when the kids were studying at schools nearby but now that they have moved on to tertiary education the location is no longer ideal all that s desired is to find another equivalent place to move to which places the kids nearer in terms of travel time to their tertiary locale and my time of travel to work is no worse off a 17th floor condo at 1292 sq ft bought 12 years ago was 501 000 and is roughly worth 950 000 now that sounds like so wow but to get an equivalent place the price tag appears to be 1 300 000 for a 5 year resale condo on a mid floor with only 1000 sq ft that s a differential of 350 000 for a smaller space a completely new condo that is yet to top is even worse that same price can only fetch an 800 sq ft unit anything in the range of 1 000 to 1 200 sq ft appears to be 1 500 000 to 1 800 000 phew the alternative is to renovate the current home and fix up all that needs to be fixed probably 80 000 you think but the pain is on having to pack everything to move out during the renovation period rent a temporary place for a couple of months and then move back in again thereafter that s two moves wifey and i are 52 years old now is it viable to live in the 12 year old home for the next 30 40 years or would a 5 year old resale home be a better option while it is smaller i do foresee that one or both kids would ultimately get married and move out in a matter of 5 10 years from now so the slightly smaller space might just be a short term situation what would you do posted by lizardo at 7 37 pm 9 comments email this blogthis share to x share to facebook share to pinterest labels property 12 december 2019 so far away from being digital to the core i went to a bank recently to close an account that i no longer needed the whole affair was pretty straightforward what i found strange though was that the bank officer had to print a bunch of forms that i had to sign in this day and age of digitalisation it s puzzling that there s still so much paper work when i quipped this to the bank officer he was most apologetic and politely said i m so sorry then i had some queries about my wifey s supplementary visa card issued by the bank it seems she couldn t do online transactions with overseas sites as they needed to send an otp to a phone number when transactions were being made as she didn t have a bank account with this bank there was no number to send to on enquiry the bank officer helpfully provided a form that we could submit to register her phone number to do so more paper when asked if this co...