Singapore-based financial blog that aims to educate people on personal finance, investments, retirement and their Central Provident Fund (CPF) matters.

Tuesday, 28 October 2014

6 Things Yahoo! needs to do

Yahoo! has rose by almost 15% from its bottom of $37.82 on 15 Oct 2014. In its Q3 earnings, management has said that it will continue to invest in its mobile growth strategy and buybacks. Although this is good news, especially we do see growth in mobile materializing, the capital structure of the company...

Friday, 24 October 2014

Buyback is the Wrong Strategy for Yahoo!

During Yahoo!'s Q3 earnings call, we have seen both its CEO and CFO continuing to emphasize that buying back shares of Yahoo! is the right strategy to return capital to shareholders over the long-term. However, in my view, this is a risky strategy pursued by the company in returning capital to its...

Monday, 13 October 2014

Where's my Pay Raise?

04:41 No comments
Ever wonder why is inflation almost always rising faster than my paycheck and why that stingy boss of mine who is earning so much is not raising my pay! Everyone would always wish to earn faster than inflation, but this rarely happens, especially if you have been staying in the same post for a very long time! *Inflation is the increasing of price of the things you buy Reasons my pay grow slower...

Sunday, 12 October 2014

Cordlife: Analysis

Recently, I have stumbled across a healthcare-related company that is listed on the Singapore Exchange. It appeared on my stock screener and after investigating its financials, I decided to write an opinion of its performance. Cordlife is a company that stores cord blood. Scientifically proven, cord blood is important, even long after a baby’s birth and can provide a source of stem cells should the...

Saturday, 11 October 2014

Weak Euro = Good US + Europe

Recently, a lot of analysts and economies are saying that a rising dollar and a near recession Europe is going to dampen the US economy and stock market growth. What is even worse as mentioned by those economists, is that Europe will be exporting their inflation to the US, which is going to make the bad situation worse. Today I am going to explain why I think it is not as bad as it sounds. The economists...

Thursday, 9 October 2014

Annuities, Have or Not-to-Have

04:10 No comments
Today's topic will be on annuities. The average public has the tendency to buy annuities thinking that they are the best product available in the market for future cash flows, especially during retirement. Actually, many people do not know what an annuity does, how it works, and how is it beneficial....

Wednesday, 1 October 2014

High Dollar Kills the Market?

23:45 No comments
Today's topic is on whether the stock market will be going down if the dollar remain this high or went even higher.  I saw a lot of people saying that a higher dollar would kill the US economy and affect the stock market because: 1) it hurt exports 2) it makes US goods and services more expensive 3)...

Correction Overdue Follow-Up

05:31 No comments
I received some feedback from people who read my previous post (A Correction Overdue). One of it was that the chart presented in the post was not enough an evident to prove that correction is not on its way. Secondly was that the economy is growing at around 2%-4% while the stock market has advanced...