personal portfolio 💙
Everyday Investing in You
30 April 2019
Attention: To All Readers
Hello Readers!
Please be noted that I bought a domain recently and will continue to blog from https://everydayinvestinginyou.com.
Hence so forth, https://personalportfoliopp.blogspot.com will cease to exist.
As you may be aware, I have been blogging for about a year now. My initial plan was to start with a free blogging platform as I am unsure if I will continue this hobby of mine. After writing for close to year, I decided it was time to 'get serious' and own my domain as it gives me the autonomy over the management of my website.
For those who are still keen in reading my random musings, gentle reminder to bookmark the page above as I plan to decommission this site soon.
Thank you!
Lots of Love
28 April 2019
How to Decide which Stock to Buy in Less than 10 minutes
In this article, I am going to share with you how I quickly decide if the stock you are looking at is worth your time to perform an in-depth analysis or if you should let go and move onto another stock instead.
Read: Best Free Mobile Apps for Investing
How I Perform this 10 minute Check
By utilising Investing.com Mobile App available on Android and iOS platform
First, go to Tools followed by Stock Screener
Read: How to Monitor Upcoming IPO's for Free
Select Country, Exchange and Sector to narrow down selection
Add Criteria: Industry, P/E ratio
Why I chose Industry as a criteria is so that the P/E ratio selection that follows will be applicable for the selected industry. The results might be skewed if the industry is not set in place as different industries have different industry P/E ratio.
Next, select the P/E ratio option and narrow the P/E ratio range to the mid mark.
The reason for using the mid-mark as the cut off point is because generally a higher P/E ratio can indicate that the stock is being over-valued. Also, a higher P/E ratio means investors expect higher earnings and it also implies that many are chasing this stock. I personally do not like to chase the stocks that are "hot" or trendy at the moment because I see it as a "bubble" that will burst once the craze is over.
Read: Beating the Street by Peter Lynch
Screener Results are presented
Once the instruments are collated for the different industries, I will input them into my template with more detailed ratios and criteria where I will perform a detailed investigation for each company.
Know of any methods other than the above? Do share with our fellow readers so we can all learn from one another! Feel free to share in the comments section.
27 April 2019
How to Read Harvard Business Review for Free
What is Harvard Business Review about? It showcases articles from subject matter experts ranging Managing Yourself to Organisational Culture to Decision Making. I like to read it for self improvement and when I am unsure of how to handle certain situations at work. Reading Harvard Business Review is like getting advice for free.
23 April 2019
How to Improve Your Credit Score
Note: Credit rating and credit score will be used interchangeably and they have the same meaning for this article.
What is a Credit Score
Credit score is a score that creditors use to determine how likely you are able to repay them in time should they decide to extend the loan to you.
The credit score calculated by the Credit Bureau Singapore (CBS) is a four-digit number based on your past payment history on your loan accounts.
Credit: CBS |
The score ranges from 1000 to 2000, where the higher the score by an individual, the lower the chance of individuals reaching a delinquency status. Together with the score, the risk grade and the probability of default is provided as shown in the picture.
Read: How to Re-finance your Mortgage Loan
22 April 2019
How to Lower the Cost of Car Ownership
In my previous articles, we talked about the cost breakdown of car ownership in Singapore, together with what to look out for when purchasing a car. The articles have highlighted the high cost of car ownership in Singapore, due to the various taxes and duties levied upon the car not forgetting the cost of maintaining the upkeep of the vehicle. In this post, I am going to show you how to lower the cost of car ownership in Singapore.
According the data published by the Singapore government, the volume of new registrations for off peak cars is trending higher since year 2015. This could be due to the high cost of maintaining a full license car in Singapore, the craziness of the roads during the peak travelling period and the convenience of public transport system.
Read: The Cost of Owning a Car in Singapore
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