My salted fish had turned over

First of all, sorry for the long hiatus. This had been a crazy June holiday, so all my free time is sucked up into never ending work. I'm very glad that June holidays is over, to the dismay of all school teachers in Singapore, lol! Recently, I noticed that one of my salted fish had turned over (咸鱼翻身). Yup, you heard me right - that's when a stock that you had bought long long ago, and had dismissed it and wrote it off because of some mistakes...

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The holy trinity of returns, risk and liquidity

There's been much talk about the CPF rates being very low. About 2.5 to 4% depending on which account you're talking about. It's kind of hard to get higher returns than that while maintaining the same risk as that of a fixed deposit. What risk am I talking about here? It's the risk of capital losses. And I'm not just regurgitating this - I've actual experience in maintaining a retirement fund for my parents, so I know what I'm talking about here. My...

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So far so good

I've been using YNAB, a software that allows me to track expenses and all my cashflow in different accounts with great precision and accuracy, since Aug 2013. Almost a year now. It works very good for me because there's so many times that I've missed out on something and I didn't know about it until the end of the month when I did my month-end accounting and found out that things don't add up. I'm very sure I would have missed these errors if I...

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