Thursday, 31 October 2019

(Post 129/Year 2 Week 53)TipforThought:15 Everyday Life tips

Back again with another tipforthoughts!This time here are some everyday Life Tips,courtesy from Reader digest
1.Wrinkling your face with a cotton pillowcase

Pressing your face constantly into your pillowcase causes trauma to your skin, "says dermatologist Dennis cross.Over time, this trauma, aggravated by the friction of the cotton, can cause permanent creases as our collagen breaks down. Instead, move to silk or satin instances as they enable the skin to flow so that it does not squeeze or tug. This helps to decrease the crease lines.

2.Singing in the shower

Does listening to music make you feel good?That's you brain rewarding yourself with dopamine, the same way it reacts to eating patato chips or falling in love. So put on your favorite song sing along (the profound breathing connected with singing has been shown to enhance health) and lather up.

3.Not dressing for success

When it comes to selecting your outfit, study shows that appearance affects perception, avoid these fashion blunders.

4.Not wearing your eyeglasses

Beyond the brainy association and being able to see properly ,specs draw attention to your eyes ,the window to empathy.

5.Dressing too casually

Suit (and other professional attire, such as lab coat) actually make you look more competent,especially designer labels.

6.Looking too mainstream

While matching your outfit to your work is important, one research discovered that adding an offbeat element such as red ribbon to a traditional item makes you look more skilled because you seem unique.

7.Checking email constantly

Close that browser window the survey in which workers were requested to check their email only three times a day or as often as possible, the three-fold daily group felt as much stress reduction as individuals using relaxation techniques such as deep breathing or visualizing a happy location

8.Snubbing your desk plant(or not having one at all) 

Research shows that employees with real desk side flowers or leaves are more productive than those without. One research even discovered that people encircled by office plants performed better on tasks involving memory and attention

9.Not phoning your mother

A university in Wisconsin discovered that participants exposed to a stressful situation (public speaking followed by solving math issue in front of an audience) showed q marked reduction in stress hormones and increased happiness generating oxytoxin when they spoke to their mom on their phone or immediately afterwards.

10.Staring down at your phone

The average head weight up to 5.5 kilograms,but when you let it hang it down to read on your phone,it is the same as putting 27 kilograms stress weight on your neck according to a study from surgical studies international.The solution:hold your phone more in line to your eyes or leave it in your pocket

11.Eating at your computer 

There are many reasons why eating in front of your laptop is a bad idea. Research shows that you tend to eat more, make less good choices, miss out on lunchtime comaderie and are more likely to reach the creative wall. In a latest study, workers who took a 30-minute lunchtime walk three times a week felt more passionate and less stressed.

12.Taking your coffee break in the office kitchen 

Step outside instead and your waistline will thank you. A U.S. research discovered that individuals who get most of their daily sunlight before noon have lower BMI than those who catch some rays later in the days.

13.Cramming your head phones into your pocket

Movement causes cables to tangle up. That's why your earbud tangle in your pocket but not while sitting on your desk. Use this knit prevention trick: loop the cord around your hand until no cable is dropped, then twist in the center to create a compact figure 8.

14.Eating by candlelight

When Cornell university researchers changed half of a fast food restaurant to include low lighting and atmospheric music, clients in the modified segment were not only slower but also eaten fewer kilojoules and reported enjoying their food more than clients who ate identical meals in restaurants.

15.Playing video games make you less submissive to pain

Who realized that playing would relieve pain? When your cognitive resources are so concentrated on mentally challenging games, you jav less attention to external stimuli, including pain. In one of our studies, patients who play a virtual reality game known as the snow world recorded a decrease in pain similar to that of a mild dose of hydromorph.

Friday, 11 October 2019

(Post 128/ Year 2 Week 50)Learning investing/trading together part 21:How to purchase a stock?(Standard chartered) part 2

Continue from the last Learning investing/trading together post ...

Some key term to note...

Trading A/C No:
  • should have been auto fill

Counter code:
  • Stock code as the name implies, SPDR STI ETF(ES3)
  • Click buy to buy stocks and click if you are selling the stock
Order quantity:
  • 100=SGX( 1 lot size)
Buy order price:

  • The price that i want to buy the shares at
Order value:
  • Order quantity x Buy order price
Order type:

  • The below chart does a good job of explaining the various order type
  • Market order-Buy or sell at the current Ask price(Order get filled immediately)
  • Limit order-Buy or sell at a specific price(Order filled depend on the price you key in, will explain later in the post)
  • Always choose Limit order!!!
Valid for(until):
  • A Day order is a limit order good for that business day only. If the order is not filled by the end of the trading day, the order will expire. 
  • This is the order we are going for, for simplicity sake.
Settlement amount:
  • The settlement account should be fixed
9)Key in order quantity

I have key in 100 shares
SGX(lot size)=100 shares

10)Key in the Buy order price

The price that I would like to bid:$3.274

You may ask why $3.274?

Remember the offer from the last post,which states 3.275?
  • What i am doing here is trying to bid lower at 3.275 by putting the bid price at $3.274 but... this may not get my order to fulfill instantly and my order will be added to the queue
  • This is like trying to bargain with a shop seller at a market to buy an item(e.g fish) which is stated as selling for $3.275, but you want to buy it cheaper at $3.274
Can you bid at 3.275 or higher?
  • Yes, you can put the bid price at $3.275 or higher(Note: this will get your order fill instantly because you are purchasing the stock at the selling price(Ask or Offer))
  • This is just like buying an item (e.g fish) at a stated price from the shop seller at the market without any question asked, you hand over your money and off you go
What does it mean by having my order added to the queue?
  • Since there is no seller willing to sell(ask) at the price you want(bid), your order is added to a queue
  • A queue is like a database where they store everybody offer whose order is not filled, the order is more likely to fill quickly if you key in the price nearer to their Ask price(selling price)
11)Click the submit button after keying in,you will be shown the confirmation form below 

A few more key term to note...

Order Value
  • $327.40
Total Fees
  • I mentioned before in my post a few ago about the standard commission
  • Currently, the brokerage fee for DBS cash upfront account is 0.18%, min SGD10
Clearing fee

  • Not shown,refer to DBS vickers post
  • Total Contract Value(100%)=$327.40
  • Clearing fee(0.0325%)=$0.106405
SGX trading fee

  • Not shown,refer to DBS vickers post
  • Total Contract Value(100%)=$327.40
  • SGX trading fee(0.0075%)=$0.024555
  • Not shown,refer to DBS vickers post 
  • GST is 7% of Comission + Clearing fee + SGX trading fee 
  • GST=7%(the magic number)
  • Commission + Clearing fee + SGX trading fee =100%
  • $10.00 + $0.106405+ $0.024555=100%
  • 100%=$10.13096
  • GST=$0.7091672
Total Fees

  • Not shown,but you can calculate from the above figures
  • Commission + Clearing fee + SGX trading fee + GST=Total Comission and fees
  • $10.00 + $0.106405 + $0.024555 + $0.7091672= $10.8401272
  • Total Comission and fee = $10.84
Total amount

  • Order Value + Total Fees =Total amount
  • $327.40 + $10.84 = $338.24
  • Indicative total proceed=$338.24

I will not proceed with the next step as it means that I have purchased a stock. Hope you all learn something from my post, do watch out for my next post:)

Tuesday, 24 September 2019

(Post 127/ Year 2 week 47)Learning investing/trading together part 20:How to purchase a stock?(Standard chartered)

Learning investing/trading together part 20:How to purchase a stock?(Standard chartered)

I mentioned before that i am currently using DBS vickers and Standard chartered as my brokerage.Recently, I have also sign up for FundSuperMart due to the low fees of 0.08% or a minimum of $10(but that's a story for another day)

This post will be on how to purchase stock with standard chartered.

So,why choose standard chartered as a brokerage?
  • Brokerage charges for standard chartered online and mobile trades:0.20%, min $10
  • 0.20%/100=0.002
  • $10/0.002=$5000
  • The minimum amount that one should invest in each trade should be more than $5,000
  • The purchasing power will be updated immediately after you sell your stock!
How to set up a standard chartered account?
  1. Head down to the nearest standard chartered bank branch 
  2. Open up an saving account(For more information about the various saving account you can open with standard chartered,please refer to this link,Personally,i opened a E saver account where it require a min deposit amount of $1000)
  3. Do open an securities settlement account with different currency(US,JPY) to have to option to invest in other countries market at no extra charge,specifically tell them you are opening an account to invest
 Onto the step by step guide on how to purchase a stock via standard chartered!

Step 1)Transfer money into your standard chartered account

How much to transfer? 
  • Well, it depends on how much your budget to purchase those stock and whether you have enough in your bank
  • Currently, the Brokerage charges for standard chartered online and mobile trades:0.20%, min $10
  •  Hence, the minimum amount one should invest to maximize brokerage fee is $5,000
    • 0.20%/100=0.002
    • $10/0.002=$5000
  • if your trade is smaller than $5,000,the 0.20% is smaller than $10,technically you are paying more for the clearing fee
  • ***Note: You can invest in any amount you like it need not be $5,000, in my personal case I use either $3000 or $5000 or $7000
So you have decided the amount? What's next?
  • Transfer the money, of course!

1. Log in to standard charted bank account,you reach the below page

2.Transfer Fund from your E$aver A/C to your SECURITIES SETTLEMENT ACCOUNT by clicking Transfer Fund(Red box)

3.Click Between Own Account

4.You will be asked to authenticate your account,after authenticating you will be brought to the transfer between own account page

Transfer to: Local Own Account
Account to be Transferred to: E$Aver A/C
Account to be Transferred from:SECURITIES SETTLEMENT ACCOUNT
Currency and Amount:SGD ,any amount that your wish to transfer(e.g 5000.00)
Description: None

5.Check the detail and click confirm(black box)

Step 2)Time to buy some stock!

6)Click MENU then click Online Trading

7.You will then be brought to the below page,the place order is at the right side of the page

8.Key in the counter code(e.g ES3) and Scroll down to check the detail of the bid and ask price

So, in my case I enter in the code: ES3(STI ETF)*Take note, this is different from the other STI ETF that you purchase with POSB invest saver(For more information about the difference between the two ETF, read here)

The terms are taken from this post, a while back,some important terms are...

  • Last action-how much was this share bought or sold for
  • Bid-how much someone is willing to pay for the share(Someone want to buy the share at a price of 3.267)
Offer or Ask
  •  Ask is the price a seller is willing to sell the share(someone want to sell his his share at a price of 3.275)
Bid qty
  • Bid qty,someone make a bid to buy 100 shares at 3.267 for each share
Offer or Ask qty
  • Offer vol is someone selling his 3200 shares at 3.275 for each share
*As taken from here: When a market is experiencing more buying volume than selling volume, it means that there are more traders buying at the ask price, which has a tendency to push the price up.
When a market is experiencing more selling volume than buying volume, it means that there are more traders selling at the bid price, which has a tendency to push the price down.
Chg or change
  • For a stock or bond quote, change is the difference between the current price and the last trade of the previous day
Day High
  • Today highest price for the stock so far
Day Low
  • Today lowest price for the stock so far
Will continue at the next Learning investing/trading together post!

Friday, 6 September 2019

(Post 126/Year 2 Week 44)TipforThought: Tips on using LinkedIN and Advice for Fresh Graduates

Tips or hack on using LinkedIn

Image result for linkedin cartoon

LinkedIn helps you connect to opportunities from job and business leads to staying informed about industry developments, an expanding or staying touch with your professional network.

1.Profile Picture

Start with uploading a profile photo that show your face and shoulder.Our profile show that member that are 14 times more likely to be viewed.Keep the photo professional, a vacation picture is not appropriate unless you are an travel writer.

2.A Interesting Headline

Having an interesting headline (that's more than your job title )is also helpful in describing what you do and how the value you bring.For example,instead of "marketing manager" ,consider " Marketer focus on lead generation and building brands ".

3.Create A Compelling Summary Of Your Experience And Achievement

Create a compelling summary of your experience and achievement -this section provide a quick overview of who you are and increase your chances of being viewed by 7 times

4.Participating In Professional Conversation

Your LinkedIn profile should be dynamic ,so stay active on the problem by participating in professional conversations.Think of it as an investment portfolio- you need to "invest "(engage your network on LinkedIn) before you can "reap dividends" (for example,getting a new job).

5.Signal Your Interest

If your're planning to enter an industry or area where you don;t have much experience in,signal your interest by following relevant topics,influencers and companies on LinkedIn. For example, if you're looking at DBS as a potential employer,start by following the company,its CEO Piyush Gupta(also a LinkedIn Influencer), and the Banking & Finance channel on LinkedIn .

6.Adding Volunteer Experience

Besides your professional achievement,add your volunteer experiences. This will add another dimension to who you are as a person and can boost your profile views by 6 times!


Lastly, get others to speak on your behalf, including recommendations from people you know and trust will add even more credibility to your professional brand

Advice For The Fresh Graduate Job Seeker

1.Think Hard On The Work You Want To Do Or Passionate About

Think long and hard about the type of work you want to do or are passionate about - your authenticity and passion will come through (or not) in job interviews.

2.Building Your Professional Presence

Building your professional presence or brands on social professional networks like LinkedIn.This is indispensable,as recruiters see social professional networks as top source of quality hires.If they are "fishing" on these platform ,you should be there too.

3.Highlight Other Experiences

While you may not have much professional experience ,highlight other experiences such as internships or volunteer experience on your LinkedIn profile.Showcase projects you did particularly well in to substantiate what you are capable of,for example, your final year project.

4.Do your Research

Lastly,do your research about the job you are interested in, and remember to leverage your networks to get a warm introduction instead of making a "cold call" application - employee referrals are rising a tip source of hire for recruiters.

Hope this help!

Saturday, 31 August 2019

(Post 125/Year 2 week 43)Learning investing/trading together part 19:How to determine whether to invest or trade a company using SGX stock screener

How to determine whether to invest or trade a company using SGX stockscreener?

In my previous post on Learning investing/trading together,I mention on using the SGX stock screener to determine whether to invest/trade a company using SGX stockscreener.

Why use SGX stock screener?
  • Computer will perform the calculation of the financial ratios,save time on our part(not many of us has the luxury of looking through financial statement of companies all day long,that is if reading the financial statement doesn't bored us!)
  • One stop platform to get the financial ratios of a particular SGX company
So,let begin using SGX stock screener (Note:I will be using Singpost (S08 as  a example)

1.Go to Stock screener website,you will be brought to the below page
2.Click on the search stock to type the company you want to search( In this case,I can either type Singpost or its stock code S08

3.In my case,I type singpost, and its show 1 result for singpost
4.Scroll down and click on singpost

5.Scroll down and Click on the tab financial to see the financial ratio

6.Scroll down to get company information
7. Determine the financial ratio to evaluate a company 

Everyone has a different set of financial ratios they use to evaluate a company,in my case i will generally use these few financial ratios,below are the recap of financial ratio from the previous post

Price/book ratio

  • It measures the company's market price to its book value. Book Value represents the total amount that would be left over after the company sell off its assets and repaid all of its liabilities
  • Low PB ratio may mean the company is undervalued. The PB ratio is used to evaluate the assets of each company such as property companies.
  • Ideal Range:Any value under 1.0 is considered a good P/B value, indicating a potentially undervalued stock.
Price/Earning ratio
Image result for price to earning ratio
  • It measures the share price relative to the company's earnings. A higher PE means investors are expecting better future earning or growth
  • High PE=20 and above
  • Average PE=11 to 20
  • Low PE=1 to 10
  • Average Market PE=15
  • Ideal Range=It is better to buy a stock with lower PE ratio assuming all things being equal
  • As the stock price goes up, the P/E ratio goes up
  • As the stock price goes down, the P/E ratio goes down
  • As a company’s earnings go up, the P/E ratio goes down
  • As a company’s earnings go down, the The P/E ratio always equals the number of years it would take in earnings per share to equal the current price of the stock. So if the ratio is 20, it would take 20 years of current earnings to equal the current price of thstock.P/E ratio goes up
  • Compare within the same industry
Current Ratio

  • A simple ratio of current asset divide by current liabilities
  • Current liabilities are debt that need to clear in the short term(in a year)
  • If a company has a current ratio less then 1.0, do not invest in it
  • If a company has a current ratio more then 2.0, May consider investing in it
  • The higher the current ratio, the better
Quick ratio
  • Quick ratio is used to determine if the company has enough short term assets to sell to cover its current liabilities(debt)
  • The quick ratio is almost similar to current ratio except that it is assumed that the company does not sell its inventories(e.g Toyota inventory is its car) or stock, it is still able to fulfill its debt
  • If the company has a quick ratio of 0.75 and below, do not invest in it
  • If the company has a quick ratio of 1.25 and above, May consider investing in it
  • The higher the quick ratio the better
Debt to equity
Image result for debt to equity ratio

  • This is an important ratio and it will determine if you are evaluating a highly gear company. Companies with high borrowing are subjected to higher risk than companies with no or low debt. Investors would look at this ratio to determine the company's ability to repay its debt
  • It measures the total liabilities to total shareholder equity. A higher ratio could mean the company is higher financed by debt
  • Ideal Range: 2.0 or less
Earning Per share
Image result for earning per share formula

  • It measures how profitable a company is on a shareholder basis. The higher the EPS,the more profitable the company is
  • When earnings per share is negative, it means the company is losing money. 
  • Ideal range: Go for consistent and stable or growing EPS.
For Price/Book and Price/earning ratio,click on Valuation tab

Price /Book ratio remark for Singpost(S08)
  • Singpost Price/Book value is at 1.353, 
  • Ideal Range of Price:Any value under 1.0 is considered a good P/B value, indicating a potentially undervalued stock.
  • Since it is above 1,hence you can either consider it as a slightly expensive stock
  • A red flag!
Price/Earning ratio remark for Singpost(S08)
  • Singpost Price/Earning ratio:263.857
  • Crazy Price/Earning ratio,Consider to be high
  • The P/E ratio always equals the number of years it would take in earnings per share to equal the current price of the stock. So if the ratio is 20, it would take 20 years of current earnings to equal the current price of thstock.P/E ratio goes up
  • To put it simply,Do you think singpost can increase its share price x 200?I think not
  • Definitely a red flag!!
For current ratio,quick ratio, debt/equity ratio,EPS 5 yr growth,click on financial tab

Current ratio remark for Singpost(S08)
  • Singpost current ratio:0.806
  • If a company has a current ratio less then 1.0, do not invest in it
  • If a company has a current ratio more then 2.0, May consider investing in it
  • The higher the current ratio, the better
  • current ratio not above 2.0,avoid it!
  • Another red flag!
Quick ratio remark for Singpost(S08)
  • Singpost quick ratio:0.805
  • If the company has a quick ratio of 0.75 and below, do not invest in it
  • If the company has a quick ratio of 1.25 and above, May consider investing in it
  • The higher the quick ratio the better
  • Quick ratio is not above 1.25
  • Another red flag!
Long term debt/equity remark for Singpost(S08)
  • Singpost debt/equity ratio:0.56
  • It measures the total liabilities to total shareholder equity. A higher ratio could mean the company is higher financed by debt
  • Ideal Range: 2.0 or less
  • Debt/equity ratio is 0.55,which is less than 2.0
  • Finally, a good indicator !
Eps five year growth remark for Singpost(S08)
  • Singpost EPS five year growth: -38.122
  • When earnings per share is negative, it means the company is losing money. 
  • Another red flag!

The six financial ratio i used to evaluate singpost are: Price/Book ,Price/earning ratio, current ratio,quick ratio, debt/equity ratio,EPS 5 year growth

As you can see above,only one out of all the six financial ratio criteria i used to evaluate signpost is met,hence singpost is not a good buy.

One last note: Different people may used different financial ratio to evaluate a company,there is really no fix formula for evaluating a company ,hence always dyodd!(do your own due diligence)