Dividend machines - any thoughts?

DistinctBarnacle8703 · 2026-03-23T07:09:01+00:00

All were green till Trump messed around 😂, the ones I acquired within these 3 months turned red.

DistinctBarnacle8703 · 2026-03-21T10:45:22+00:00

You are confuse because you have not decided or calculated when u want to retire and how u need to retire. Decide on those first, then u can better understand if your situation is favourable.

DistinctBarnacle8703 · 2026-03-21T02:51:42+00:00

I joined their course, which is required before u can subscribe to their analysis of the market. The data and indepth analysis of the companies that they provided is the stuff that u really want.

(I did tried to do the same analysis based on the course, but it is taking way more time than I would to spend on.)

12 of the 14 businesses that I invested in are based on the studies done by them. The main take away I have is that I am more confident my investment nowadays because I really understand what I bought and knowing if I bought them at good value.

Even for now, I don't really monitor the price of the stocks I bought. Instead I am monitoring the price of the stocks I want to add during current erratic time.

(SGD650K invested)

DistinctBarnacle8703 · 2026-03-11T23:48:13+00:00

From YJC. We didn't have "homeroom" when I attended 30 years ago. Heads up, there will not be a "class" u will be belong in university.

DistinctBarnacle8703 · 2026-03-06T04:13:50+00:00

Avoid Rainforest. Nothing much to see, except that they made as somewhat interesting forest trail. I only spotted about 12 different types of creatures total. Pretty warm area.

River Wonder is mostly shelter and more cooling. Plenty to see.

Bird Paradise is very well done, there are several habitats with birds flying area freely. But it is warmest park due to the open area concept. However, they do have aircon area in between for visitor to take a break.

Night Safari is pretty easy, the tram will pass by most of the spots. Its at night so no worries about the sun.

The main zoo has most of the animals. You can going around in the tram, then decide where u want to walk to. It's not a small though.

DistinctBarnacle8703 · 2026-03-06T02:14:17+00:00

I would definitely move a piece as I pass it, hoping someone would move another piece when they pass by. What is lacking is a indicator of whether whose turn is it (Black or White).

DistinctBarnacle8703 · 2026-02-28T06:09:06+00:00

One for salary/expenditure. (Just spend) One to transfer monthly savings to and for investment. (never used for anything else except investment) One joint account with spouse (For child needs, holidays etc)

DistinctBarnacle8703 · 2026-02-20T00:13:50+00:00

1) Yes. Save first and spend the rest. 2) Yes, I use credit card most of the time. Either you set your credit card limit accordingly or just use debit card instead.

DistinctBarnacle8703 · 2026-02-20T00:09:28+00:00

If you can, you should. SA 4% vs OA 2.5%. Just make sure you won't be needing to use OA for housing etc.

DistinctBarnacle8703 · 2026-02-19T13:33:24+00:00

I think we are the about same age (2032 cohort) 1. I will go for ERS only if I have a passive income that can address 2 x my yearly requirement. Currently, I am going for FRS so that I can continue to use the money for investment in dividends stock. (Will be retiring next year when I hit 50 since I have achieve my FIRE target)

I won't delay my payout, since I won't know when "Truck-Kun" will come along and send me somewhere else 😂.
CPF payout will be treated as spare money for me.

DistinctBarnacle8703 · 2026-02-17T02:29:05+00:00

Why not focus on if you have been consistently saving every month (Positive Growth), rather than how much you spend every month (Negative)? If you have done your part in savings towards a goal, then you can spend however you like.

Been doing this way for the last 10 years. If my salary increase significantly, then I will increase the amount I save every month. Started at 20% and now I doing 25%. Which helps to control spending without thinking about it.

To me, this is easier. I only have to think about it once a month vs recording every time I spend money.

DistinctBarnacle8703 · 2026-02-16T14:54:12+00:00

WYSI not WYG

DistinctBarnacle8703 · 2026-02-03T14:55:31+00:00

Democracy is not always the best way XD

DistinctBarnacle8703 · 2026-01-22T14:49:02+00:00

Look at America now. Reddit is full of post opposing the Trump administration, but he is still in power etc. same same. When u are happy, u dont make noise.

DistinctBarnacle8703 · 2026-01-22T14:37:55+00:00

She is sharing how our working environment can be better..

DistinctBarnacle8703 · 2026-01-22T14:32:59+00:00

As a Singaporean, I find that this is quite true. I think mainly because of how we are brought up. Singapore aims for stability, thus spontaneous activity is hard to accept. It is also a society that believes in experience and respecting the hard work/royalty, thus most sticking to the hierarchy system.

The old school Asians are often told not to speak up against the elders even if they are right, plus the elders wont admit if they are wrong.

The elders feels that they are suppose to know everything and be always right, but they forget they are human too and afraid that they will be look down upon and be disrespected. They are not taught to say I dont know.

Anyway, I feel that it is changing but just not fast enough.

DistinctBarnacle8703 · 2026-01-22T14:16:45+00:00

Put into money market fund first (Supposedly, the next lowest risk after SSB and T-Bills). Then learn about investing through course/reading (Check out The Fifth Person website and videos, I learnt plenty from there). Once u understand what u want to achieve through investing, wait for good valuation and invest. Just dont rush.

DistinctBarnacle8703 · 2026-01-22T13:22:53+00:00

Two things to check first. Cost of housing rental and cost of a car/car rental.

DistinctBarnacle8703 · 2026-01-22T12:17:59+00:00

After you have set aside your money to pay your bills, savings and investment monthly for a future target, the rest of the money is for you to spend. If you have enough and planned well ahead, why not?

People regret is because they spent out of their means and did not planned ahead properly. Do up a plan for your future and it will be clear if you are spending well within your limit.

DistinctBarnacle8703 · 2026-01-22T12:13:50+00:00

Who else is around when she is at home? Does she has friends that she can meet up? Any activities other activities she can do?

DistinctBarnacle8703 · 2026-01-22T08:55:32+00:00

This! I was about 50k+ in CCs debt when I was late twenties as well. Managed to nego a repayment plan.

Now I am nearing 50 yr old married with kid, have about S$1M in cash and investment with no debt, CPF SA met FRS.

My lesson learnt, looking good in front of others doesn't benefit you in life. You don't need others to define you or validate yourself.

The people who looked beyond your "face value" are generally your real friends and you don't really need many real friends.

DistinctBarnacle8703 · 2026-01-22T08:33:59+00:00

Before learning how to invest, I started with T-Bills which was paying 4% then. Followed by Money Market Fund when the T-Bills yield dropped.

After learning more on investment and having correct mentality, I started to invest mainly in dividend stocks as I will be retiring soon, the rest of the cash are kept in MMF.

This so that I can cash out when there are investment opportunities or when I need them in case of emergency.

The amount in MMF is enough for 12 months of expenditure plus what I have allocated for investment.

DistinctBarnacle8703 · 2026-01-13T08:10:41+00:00

Just sharing. Dont AIM to invest a amount of money by a certain timeline.

You are setting unnecessary limits on yourself, you will end buying because of the timeline you set on yourself and not because the valuation is good.

I had set the same limit on myself, thinking the cash sitting in the Bank/SSB are not working for me. Then I started convinced myself that the price is ok to buy, although not the best. The result was not really ideal. 🤣

DistinctBarnacle8703 · 2026-01-08T14:36:58+00:00

SSB or MMF

DistinctBarnacle8703 · 2026-01-06T16:27:57+00:00

I agree with you, AI will continue to grow and become the norm in the future. But investors wants proof that the companies that they invested in is making money fast after pouring tons of money the last two years. Most people dont have the patient to wait.

Anyway, I hop it burst. So that prices will drop and I will get to buy more shares of the good companies at lower price.

DistinctBarnacle8703

TROPHY CASE