Friday, 6 September 2019

(Post 125/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!

7.Recommendations

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!
Conclusion

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) 

Saturday, 20 July 2019

(Post 120/Year 2 Week 36)TipforThought: How to identify sign of dehydration and prevent dehydration

How to identify sign of dehydration

With global warming gradually increasing the earth temperature and making this planet hotter then before,we tend to get more prone to dehydration,hence we should know what are the sign to prevent dehydration.After All,prevention is better then cure isn't it?
Here are some sign of dehydration

1.Urine That Is Dark

Urine that are lighter in color such as e.g white mean that you quite hydrated,however if the urine is more darker in colour ,it probably mean that you are less hydrated.



2.Dry Lips and Tiredness

Pretty sure it's time for you to get a drink after that long work,by the way do you know that dehydration reduce concentration and cause headaches too?
Do you also know dehydration may cause heart diseases? Do check out part 2 on how to prevent dehydration:)

How to prevent dehydration

Previously,we talk about the different ways to identify sign of dehydration.In this post,we are going to list out some ways to prevent dehydration


1.Bring along a FILL water bottle with you whenever you go 


By bringing a FILL water bottle with
 you whenever ever you go FILL with plain water of course,not only you live healthier by drinking plain water it is also healthier for your wallet as you do not need to whip out your wallet to get a drink anytime you want to quench that thirst 

2.FILL a big bottle of water and put it beside you as you do work 


It is pretty easy to forget quenching that thirst when you are pretty engross in your work or just can't be bothered to that short trip to kitchen to get that cup of water.With a big bottle of water beside,quenching that thirst is as easy as 123 


3.Drink plenty of water during exercising 


During exercising,this would result in excessive loss of water when sweating,hence it is very important to drink lots of water before,during and after exercising 


4.Eat fruit and vegetables that contain water 

Eating fruit and vegetables that contains water not only give us hre necessary vitamin that keep us healthy but also hydrated hence killing two bird with one stone 



Always remember to keep yourself hydrated!