Drove to Teban and west coast

I drove my car to Teban and west coast. Finally after 4 mths, beside bukit panjang, drove back Teban - the first place we rented back in 2013 to Mar 2015.

I fulfilled my promise - i took him back to our places.

LG

I dreamt of him recently. Every night I had dreams, some where I could still remember and other forgotten.

Recently I thought of asking him where is he at. A few nights ago, 梦见他。在一个夜里，一条马路上，他说他不能跟我说他在哪里。

I remembered if I have some vexing questions, I will subsequently go on to dream about him answering me.

Some questions i have, whether he haa received the items I burnt for him. Which places does he want me to bring him to. Is there anything else he wants me to do.

More Singtel

I decided to put the monies eft behind by my LG into buying singtel. Bought 15k shares. 

Whatever I have left are my own savings. Which i can spend without remorse.

人情淡薄，his daughter KY whatapped me to ask about when his bank monies will be distributed. Such shamelessness. When LG is around, refused to return his msg and see him for the last time when he was discharged. 

Such utter shamelessness. Putting this down so that I do not forget what kind of persons they are, and to distance myself from them.

No surgery

Had been coughing since last fri. Then in a bid to cure my cough, took otc meds. But alas, on 6th dec - the day of my scheduled surgery, i had other symptons - blocked nose, fever and cough. Docs rescheduled the surgery to 5 Jan. I remembered I was sick and hungry, so rushed home to eat a bread and coffee before walking over to the malay gp clinic. 

All in all, took 4 days mc with 2 trips to the gp, as was feeling quite sick on tues to fri. Am a bit better on sat and today.

3 more weeks to my surgery, need to get well.

Surgery

Tmr is my surgery. Not sure if it will proceed as I have a lingering cough the last few days.

Hope for the best. If I dont survive, means it is destined and LG came. So be it. I have arranged all my stuff - will, LPA etc.

Wish me luck.

Reunion

18 Nov is his 100th day of passing. I engaged his priest friend to still do some chanting for him.

His elder sis, brother in law

2nd sister and Kuen

Mum, Geoky, Yenn, Bro and May

Yq

Kx, ky

Andy

Gave ang bao to his friend.

Rem it is 3 joss sticks.

Next year qing ming, 7月15， and his chinese bd. After that, is qing ming and death anniversary.

Time flies, and still misses him. Trying to keep myself occupied so that I dont feel so sad. He is free now.

May we meet in our dreams!

20 Nov, had lunch at Chin lee with bro, may, mum, geok and yenn. Treasure those in front of you. Walked to simpang bedok, had soybean and beancurd. After that, took yenn for drive back to bukit panjang. Did it despite being peak hour.

At night, Yenn booked a cruise for 4, in April next year. Ys and me had wanted to bring my mum on cruise.

天意

I had wanted to sell my coe car, but after getting a valuation, I would suffer a 12k loss if I sell now....

Looks like it is heaven's will that I will not be able to sell it.

feeling super stressed with driving

My anxiety of driving is very high. How can i overcome this?

Finally I decided to sell the car. I bought the car purely for LG to drive. Now that he is gone, I tried to drive the car even going for car refresher lessons. But the thought of driving is making me lose sleep, appetite and causing me to worry.

This has been so for past 3 months. Mentally feel very tired. I threw in the white towel and decide to sell, even at a loss.

After I decided to sell my car, i ask LG friend who is a car salesman. He told me to find back the salesman who sold me the car. After contacting M, he quoted me a price that was unacceptable. I would have made a loss of 10k. 

Feeling dejected and angry, and feeling on a death mission, i drove the car out despite going to rain heavily. 

Sure enough, I was caught in a jam twice due to accidents. And very heavy rain. I thought I was dead, but somehow i made it through though i missed my exit. I had to navigate many roads to be back to PIE. 

Finally after a long detour, i made my way home. I brought LG photo with me so that he could watch over me in heaven. I made my way to 427, and went fajar to the ladies. Drove home and sure enough  got caught in the rain. But 老天爷和老公保佑，i made it home safely.

what keeps me alive

Without him around, the house is very quiet. I will leave the TV on so that at least there is some 生气 in the house. 14 more days will be his 100th day passing. It has been 86 days since he left. Life moves on. I need to remind myself why am I still here daily? 

Drove to wash car alone

Yippe, on 30 Oct (sun), I drove alone to wash my car at a nearby petrol station.

Had my last refresher course with Mr T. I am set to drive on my own.

Will start driving around nearby beore going on expressways.

Today topped up petrol on my own

Started the day with my last driving session with V. Did parallel parking at geylang and joo chiat but am not confident.

After the guelling session, felt heavy headed. After that was feeling anxious because I needed to top up petrol on my own. Sis was working today. Finally mustering all the courage I could, i stepped out at 2.45pm.

Finally made my way to the petrol station and back in 1 piece. Wasnt able to park properly at the petrol station but well I tried.

Came back and parked with car at 1 side. But after parking, realised it was under the post so will tio bird shit. Had to try and park, tried parking further uphill but wasnt comfortable. Decided to drive and park nearer. After many adjustment, finally is in the lot, though more to the right. Couldnt care more liao.

Hopefully nobody banged my car.

Drove back to old home

I drove my car to my old place (bukit panjang) through PIE, BKE. Finally after 2 months, with the help of instructor, I made my way there. Practise more car parking. Next session will be my last with him.

LG, I drove our car 50km.

An accomplishment I am proud of. I hoped I didn't let you down and have made you proud.

Let go

Crying daily. Feel his absence still.

Dunno how to move on.

Tried to bury myself in work, but it can only distract me. After work and when I am alone, the mind wonder back the past. 

Realised not much happy memories since covid. Cooped up in sg because of covid. 

When he was around, i find myself wanting to escape my home. Overwhelmed by work....

Now he is not around, i still find myself wanting to escape my home. Because reminds me of him.

Everyday I feel like throwing in resignation letter. Too tired. Need a break...to ponder what do I want to do with my life.

2 more months and i can rest. Have a scheduled surgery on 6 Dec. Will be on mc after that.

Take one day at a time. Take one thing at a time.

Things that I wish to do in 2023

1) Bring my mum on a cruise - had wanted to do it together with him.

2) Go Ipoh, genting

3) Hong kong - cheung island

Go relaxing areas - her heart not good

3rd week driving own car

I have been practising driving every sat with my sister.

Today tried the usual parking - still dont have the confidence to park between 2 cars. 

Ventured out abit more to the spc gas station to add oil.

This is an accomplishment given I have zero confidence just 3 weeks ago. Being 23rd day since his passing. 

Had a strange dream last night. Somehow with the help of a deity (长命老爷爷), he appeared before me and my mum. But he avoided me and I was told by the deity to breathe my breath into his shadow. But he still avoided me. 

In the end, was pissed and was told by someone he is doing so cos he misses me. But i was vexed, and said that if he misses me, we need to treasure the time we had.

Woke up 7am. Haiz it was all a dream.

Back to work

Back to work in office. 

Woke up at 5am. 

1) pray

2) sweep the floor

3) fed the dogs (lined 1 pee pad)

4) close windows

Left house at 6.45am.

Remember - take things one thing at a time. One day at a time.

Missed him

Today is the 14th day of his passing. And reminded of him everywhere in the house.

Still get emotional when thinking of him. But like mum said, it is a relief for him because he is suffering everyday - pains.

day 4 of wake

Cremation was on monday because the priest said it was a good date. Sunday was not good.

We came early 9plus.

Last rites include circling his coffin - managed to hold back tears. Tears are not good in taoist rites. 

Was tearing but when sending off the car, cant controll my tears. Was told to sit at the front, was tearing all the way to mandai. There, we had to wait for a while before we could go in.

Finally the sendoff, was trying to control my tears cos it was important to tell LG to get out of his body before going to the fire chamber. His sister was hysterical and wailing so loudly that i was affected. But i recovered and concentrate on telling him to leave.

After that, went to change out of our clothes. 

Throughout, his younger daughter ky didnt cry. The elder one was inconsolable. I was pissed with them. They did not reply to LG pleas for them to visit him. After his discharge, only ky came once to see him in icu, once at our place. After that, no messages from them. Broke LG heart. Anyway I didnt want to have anything to do with them after the funeral.

Took the chartered bus back 

 to sin ming. When we returned, the place was already setup for a new person. Had lunch at the sin ming coffeeshop with ah keong and yq family. His siblings and relatives were seated in another table. Couldnt care too much and we left after eating.

Day 3 of wake

Mum brought more silver and gold papers, we carried more water and paper to sin ming and reach 9.30am. Yq and her hubby came. The paper house was up.

Cleaned up abit and began folding ingots. J came to help, so grateful. Followed by other colleagues. Chat abit and then Bao Ling and family came. Entertained them abit, then they left very shortly.

Rites began and LG friends came. Ah man, ah ding, ah keong and family. It lasted quite a while because it was the last night. After the 破地狱，we burned the house, his car and his ingots. It burned very fast and we were told to call out to him to get his stuff.

We left 11pm - cant remember cos was very tired. The next day is cremation, so braced myself for a tearful farewell.

Day 2 of wake

Ah yin (priest) came to my flat at 9am, to perform the rites to 请 the ancestors back with him. He also bless the house.

Mum brought more silver, gold papers so that we do not use the parlours one. Yenn went to buy some groceries - drinks, snacks etc. I brought his remaining clothes. She broke my trolley but it was ok. I am grateful she was around, else in that emotional state, i would have collapsed. She stayed with me over night. She also handled the finances.

We went there around 10.30am, Andy (his friend) came earlier to pay respects.

We set up the place and then i went with Mr Lim (referred by Mr Wong) to mandai to pick the niche for him. His wishes was to put his ashes at mandai columbarium. Chose the slot and the marble slab design. Couldnt get the nea counter to print the documents as the system is down. Got back to the wake at 1pm. 

Yenn went to buy lunch. I waited for my colleagues. Jenn came, followed by the rest. Didnt cry in front of my colleagues, cos i was very zombie. Slept only 2 hours in 48 hours. Couldnt sleep as the scene of my husband's death kept replaying in my head at night.

My colleagues all chipped in to help me fold the paper ingots as we need 13 bags. In the end, they made 8.5 bags. We made 2-3 more. 

My friend F came. Wj came later at night. 

The taoist rites began at 6.30pm. Another session at 9pm.

His friends came also at night. 

We left 10.30pm at night. Went home, was finally able to sleep that night. I slept 7hrs.

12 Aug my LG passed on

Wth heavy heart, I decided to write down what has happened to my LG so that I will not forget this day.

Around 1am, he woke me up saying he can't breathe. I wanted to call the ambulance but he stopped me. His panting got worse and he even wanted to go to the hospital on our own. Seeing the seriousness, I called 995. I made the dogs go into my room, opened the door and got changed. While waiting, he collapsed on the bed not breathing. Not cpr trained, i called 995 again andbwas told to do cpr, but i think i wasnt able to do it correctly.

I tried doing the cpr until the medics came but in my heart, i know he would not make it. Despite the medics trying to resuscitate him, his heart was not beating. I went with the ambulance  to CGH and shortly after the doc spoke and asked me to brace for the worst. He was gone.

I called my mum to break the news, and also called yq (his god sister). It was 2 something. My sis went to my house to grab his hp so that I can call his daughters. 

After that, i was led to a room where his body was parked. Yq came with her husband to see him. Shortly after multiple calls to his daughters, his daughter ky picked up the call and I told them to come to cgh. In the end, they saw him for the last time.

After that, his body was wheeled to the mortuary. As doc could not determine the cause of death, his case was followed up by police officers. I was interviewed and I gave them the medical history and the circumstances leading to his death. Was told I could only get the body the next day. 

Went home to rest. My mum had reached my place. We talked abit and all i was doing was waiting for daybreak so that I could call Ah Yin, the taoist priest that he had wanted for his last rites.

While waiting, i whatapp LG relative. Luckily i kept his younger sister hp. After that, his younger sis called crying to know what happened. She then went on to inform his siblings whom he was estranged with.

When 9am came, I called Ah Yin. He told Mr wong to call me. Had a chat with him and he told me to meet him at his office. Me and my sis went down to talk about the rites (choosing the coffin, the rites - 破地狱). Halfway, got a call from police officer to go collect LG at sgh, coroner had ruled out foul play. It was the deities working.

So after choosing, we grabbed to SGH directly. There, it was a long wait to get his body. After that, hos body was driven off by the undertaker man. We went home because we have to prepare his clothes, to line the coffin. His suit, shirts, denture, socks, shoes. I brought half of his clothes, and we made our way to sin ming. He wanted his wake there. 

There, we reached around 4pm. KX was there. The priest did some chanting after everything was set up. It was a simple but bright setup. 

The flower wreath from my company arrived. His siblings came in the evening. That day, i also arranged for the dog sitter, his friend Ah Cheong came with his son. He fetched me home to bring the dogs over. After that, he brought me back to the wake. 

There, we kept foldong the silver and gold ingots. We left around 11pm.

Reviewed financial goal

Review 

Today is national day. Having a slow day today. 

Do not have any plans today as am just plain lazy to go out.

Was looking at investment blogs. Suddenly got in a mood to review my financial goal. My goal had been to accumulate 500k cash/investments that can return 4% a year. Meaning I will have 20k passive income a month.

With what happened do my husband, am saddled with an additional 1250/mth debt for 2 years. Coupled with the 2nd hand car purchase, my expenditure had rose to 4500/mth.

Seem quite impossible to FIRE based on my current expenditure and the passive income. So it dawned to me, I still need to work for another 6 years. It is quite a long while and am not confident I could still stay in my job for another 6 years. 

By 45 years old, my car debt and the hospital bill would be settled. My CPF monies then would be able to fully settle the home loan. All the debts would be settled. Only then I think would 20k per year passive income be enough.

Job

Hopefully I can tahan until another 6 years in my job. Every day is a struggle, some easier some hard. I should be grateful to have this job no matter how bad I think it is. I have good colleagues and a good boss. Can't really ask for more. Work is sucky and I already feel very fearful and anxious at work. 

Can't shake off this anxiety even with the tries below:

Trying to read books on zen-liness to make myself feel better, but it never last. Watch worse off people battle to make money to feed themself (yes, feeding themselves) only make me feel grateful for a while but it never last. Trying to read books to boost myself up or listen to youtube videos, those works for a short while.

Going to exercise 2-3 times a week, make it easier. I am very grateful I have a colleague who is an exercise buddy to me. Contemplating to pick up running again and to go running during wfh days. 

maybe all the above won't make a dent as long as I can't let go. What if it all works out when I let go of everything? Maybe this works. Should try this out whenever I start to worry. 

Life

Feeling numbed everyday. Don't feel happiness. 

I kinda dunno what feeling happy feels like? I remembered I was very happy a few years ago when I went to USS with my elder sister and we took all the challenging rides.

Everyday is filled with dread. What must I do to get ride of this dread and be able to live life calmly and peacefully? 

US portfoili

I ventured into buying US stocks early this year. Was reading some other sg blogs and one talked about rebalancing his US portfiolio.

I did a quick calculation of my losses (unrealised) as I didnt sell any US stocks. I had invested a total of US$10,927. My loss is US$633, a 6% decline.

Not bad. I think my worst was in 2007, 2008 where all my SG counters were in the red, some as much as halved. Worst investment that I made a loss, was ASL marine. 

Alibaba

Despite Alibaba being put on SEC listing, I decided to buy 19 shares at 88 each.

It would take another 3 years or so for the delisting to happen, so alot of things could change.

In a spending mood everyday

I am at the stage where nothing makes me feel alive except when I am exercising. 

The brain is forever fogged, perpetually tired but am noy sure what to do. Watching youtubes and tv, only makes me more empty.

Turned to online shopping. But realised as I shop, I still feel empty. 

Was thinking would it matter if I jist dropped dead now? 

Will switching job help me? I bet NO.

Has felt this way since 2017. Is it burnout? Is it because there is nothing to look forward to, nothing to work towards.

The only thing I ever look forward, is sleep. 

I do not know what to spend time on. Everytime I start to read a book, i would never complete it, regardless of the topic. 

I feel like going out for a long walk, so as to refresh myself but the weather is so hot.

I lost alot of interest in stuff. And I dont give a damn about anything. Is this jadedness? Or just burnout?

I tried exercising but it doesnt help. Finding meaning in things just make me more lost as there is no meaning and purpose in life. Was thinking if heaven tells me I only got a month or a week to live, what will I do?

This got me thinking of my wishlist before I close my eyes one last time.

- to enjoy some coffee on a balcony watching the beautiful sunset, water vew with cool breeze on my face

- to go to the disneyland in US (a childhood dream that is not fulilled because nobody close to me, wants to go US)

- go for a staycation at a very luxurious hotel (just for once to feel atas)

- go for a very atas high tea

- go swimming in an indoor pool (something that occasionally comes to mind - like the feeling of swimming)

- live on a super high and windy floor

- not have to work

- exercise and put on youtube

- do nothing peacefully

What Ifs

What if I achieved coast FIRE, how will I spend my day?

My coast Fire amount is 500k, assuming a 4% return, it will be paasive income of 1.67k a month.

Unless I ditched the car, and not pay the medical bill, this amount is not enough to cover my living expenses.

I expect to pay off the medical bill in 3 years, and the car loan in 6 years. So minimally I still need to work full time for 6 years.

Assuming I retire at age 45 with 1.67k a month, I will need a job that pays at least 2k, so as to be able to keep myself active mentally.

This is a goal I can strive for, while i continue to learn in my job.

Lost

I gave in to my husband's request to get a 2nd hand car. Initially I was very firm that we do not need a car as we are saddled with his medical bill 33k (paid 3k).

But on wed, after a short get together with my dept, we talked amongst ourselves and we were talking about our late father. Of the three, all our late fathers had passed away at 69 years old. I realised my hubby is also this age. He might not have long left, so why not make him happy when i can. 

Today bought a 2nd hand camry 2.0 for 59k. Monthly instalment is 700.

I might also not live long enough, so why worry about retiring early.

Worrying and What IF

 I had been feeling quite vexed for the past 2-3 weeks, because I suddenly have quite some time on hand at work. Was looking for stuff to do during work. And feeling stressed from nothing.

This weekend, suffered another  bout of insomnia on Friday night. After a bomb just dropped into my lap on Friday. The stupid project is back...

Because of this project, I had serious thoughts of quitting many times. During weekend, i can't rest as my mind is all on my work.

Today feeling very restless, I went to youtube to see if there is something that can help me allay all these worries. I do not want to rob myself of precious time for something (my job) that does not matter.

Came across Mel Robbin short clip. The 6 magic work "What if it all works out?". Immediately I tried to use it and somehow I calmed  down magically. Will try to see if this little tip can help me pull through my ups and downs in life.

"WHAT IFS" opens up the mind to alternatives,  to bigger scope  and lens. 

Absurd housing prices

Though I have moved into my bedok 4 room resale flat, exactly 1 year, I will still kapoh by checking the prices in property guru.

Recently saw the areas around my place putting up prices at above 500k for 990 sqft. In my mind, if i have 500k, I would rather spend it on a 94 year resale Bto unit than ours which only has a remaining lease of 50plus

years.

Something isnt quite right and plus the Fed is expected to increase interest rates a few round this year, the home loan rate will only get higher. There is a real risk of not being able to service mortgage bank loans. Gone are the days of zero interest rates.

Luckily when we bought bedok, we locked in at 5 years interest for this flat. I can have a peace of mind during such turmoil times as my cpf contribution is enough to cover the monthly instalment.

Seems like the bubble (stocks, house, crypto) is able to end soon. Still accumulating cash.

Half year net worth

I did some calculation of my net worth this year.

My net worth (not considering my house) is 400k.

An increase of 85k from end 2021.

For my calculations, my stock price is valued at cost price.

Still accumulating cash

I am still accumulating cash, so that I can buy the stocks I want during the crash.

The market is motivated by fear, and Warren Buffett once said, when people are fearful, be greedy. When people are greedy, be fearful.

US economy contracted in Q1. If it happens again, we are in a recession. 

More and more, we should see companies announcing layoffs. A scene that was common during the 2008 financial crisis.

Have 50 plus k on hand. Will continue to save more.

Markets

I guess the markets are having ups and downs like me going through emotional turmoils during this 1 month plus.

I do not like to wfh but was forced to for the past 1.5mths to care for my hubby.

Will be going back office, cant wait to get back to exercising.

As of now, am still in the phase of accumulating cash. The crash will come and I will be going in.

Am looking to buy 

- Apple if it hits below 100

- Ali Baba if it goes below 50

- Coca cola

My goal was to invest US$20k, and I am halfway there.

On SG front, will not be making any purchases this year.

Meltdown

Had 2 meltdowns - once after husband was discharged from hospital and his daughter spoke to me in a confrontational tone.

2nd time - today after hospital called to say tt my husband insisted to be discharged. This is the 2nd time at changi.

Feeling very tired and thinking of leaving him for good.

interesting idea

I tend to worry about money. So my hubby's latest bill is causing me some anxiety issue.

Read a blog where in order to live happily, to deem any money or time loss as a donation. This resonated with me, i immediately feel alot better thinking of the 36k as a large donation to society/charity.

36k bill

My husband's bill turned out to be 36k cash. 

How to tackle this huge bill, I intend to do an instalment plan 18 mth or 36 mth instalment.

Will email hospital to see if can nego on the instalment.

ICU

My husband was admitted to ICU on Tuesday (12 April) morning. I was woke up by him to call an ambulance for him as he was very breathless. I didn't accompany him to the hospital because I need to settle my dogs which were locked in my room then.

After my husband was sent off by the ambulance, I waited for the doctor to call. Shortly after the doc called and I made my way to Changi Hospital A&E.

There the doc suspects a heart attack/failure which caused water to build up in his lungs. He was place on a ventilator and sedated.

I remained in the hospital, waiting for updates. Went to wait by the coffee shop, I downed 5-6 cups as I didn't sleep that night. In between, I made a trip back to my house to clean up the toilet for the dogs and after that, my mum and sis helped to jaga my dogs while I was in hospital.

In the hospital, a lot of time was spent waiting for docs to call me or nurses to update me. I only managed to see my husband in ICU at around 1pm. 

It seems like the trigger was his heart valve issue. It seems like it is inevitable that he has to go for open chest heart valve replacement.

But I doubt he can tahan it.

This means potentially looking at 80k hospital bill (1st 40k already incurred). 

Hopefully with the sale of the car, I can get back 20k, plus my 25k on hand. I will need 35k which I could try to save in the next 1 year.

I know I tend to obsess over monies woes and this 80k bill has been constantly on my mind. I decided to write this worry down so that months or years later, when I revisited this blog, I can then see how I have fared.

I jotted down this action plan, which is to save 3k for the next 1 year.

40k cash bill

My husband is going for a tavi surgery, cash outlay is estimated at 40k. Rest are subsided by govt, medishield life 10.8k and medisave 5k.

This means I wont be able to reach my goal of investing of US$20k into stocks.

Only have 20k on hand. Has to save up and pay in instalments.

Raise

I got a raise from April onwards of around 300. Has increased my monthly savings rate to $2400. Hopefully can keep it this way.

Savings

For savings, I used the automated transfer move the saving from my salary crediting bank account to another bank account. This has 2 benefits, I will not be tempted to spend the money in the saving bank account because it is out of sight, out of mind. Secondly, I do not need to remember to do the transfer since it is automated. 

Investments

After accumulating the funds in my saving bank account, as and when I am intending to buy stocks, I will then take a look and determine how much I could invest. 

Ever since the start of this year, I have been buying US stocks. I intend to continue to do so till end of this year. Goal is to invest US$20k (10% of portfiolio) in US stocks.

How far from COAST FIRE?

Currently my portfolio stands at S$262k (not including market gains). I used cost price to calculate this. 55k CPF funds invested.

To meet COAST FIRE, I would need passive income that can pay 50% of my expenses (3k a month). Assuming my portfolio returns a 4% dividend a year, my annual dividend is 10.400 which is 870/month. I am still 630/mth short of my target, which translate to needing 190k more. Goal is to reach this in 7 years time, meaning saving 27k a year, which can be reached as I am saving 2400/month.

Any chances I could reach FIRE faster?

Yes, if the following events occurred

1) Keppel corp share price reaches to 15/share

2) Singtel share price reach above 5/share

stocking up more citigroup and coca cola

Stocking up on more citigroup (20 shares) and coca cola (20 shares). 

I have gotten a promotion at work. Fewling unreal and apprehensive about it. It would mean more work.

I am having some anxiety and burnt out. And expecting more stress.

Today was my 2nd counselling session, feeling abit better.

Need focus on how to achieve freedom in work, just like how I strive for freedom from money.

20-80 rule : which 20% is giving me 80% stress. Which 20% is giving me 80% of my performance. How can I help myself by helping my staff? What systems can I use to further my stuff.

Ali baba

As Ali Baba NYSE continued to drop, I will contine to buy.

I bought 10 shares at 129 in Feb 22. Another 10 shares at 101. Recently the price went down to 77.

I intend to accumulate more shares. Aim to buy 40 shares.

how to 10x my investment portfiolio

I have been investing ever since 2008. With the markets now jittery over the fed rate increase, the ukraine russia conflict, I believe the crash is coming.

Am accumulating monies and will see if there's chance to stock up on US stocks. Hopefully they will double or triple when the market recovers.

As i dont believe in crypto, i dun think i will buy any.

Very restless

I keep worrying about work non-stop. To the point that i cant function. Today is the same.

I think I need to exercise to keep my mind off work.

FB meta

Shortly after seeing FB meta dig 26%, I decided to buy 5 shares of it. Bought it at 238.06 a share.

My US stock

1 share Apple (free from moomoo)

20 shares citigroup

10 shares coca cola

10 shares alibaba

5 shares FB meta

Goal this year is to hit S$25k equivalent to US$18k.

My portfiolio is around US$5k. 13k more. Will gradually load up month by month.

After CNY

Going to start my skipping exercise regime after cny.

Has put on 5kg since 2020.

Bought 2 new shorts, and skipping ropes.

Will try to see if can skip 30min every day.

1) started not eating rice at night

2) will start to walk back home after work

3) skip 10 mins for a start

Bought 10 shares of Coca cola

I started to buy US stocks albeit in very small quantities as the stock price are very high. Bought 10 shares of Coca cola, something I have wanted to do since 2009/2010.

Will contine to stock up on citigroup, coca cola as the fed is slates increase int soon.

Home loan

My biggest loan is my home loan at 285k. My goal is to settle it fully before 45 years old (6 years away).

Current OA is 142k, plus 55k invested in stocks. Totalling 197k.

88k away. If in this 6 years, my OA grows 8k a year, 8x6=42k. My loan should have gone down to 235k. I should be on track to this goal.

2021 dividends

My 2021 dividends from SG stock is 6,395.

US stocks here I come

Finally after thinking of buying US stocks for a decade, I opened moomoo account and bought my 5 shares of citigroup at market price 63.5.

Initially I put in a day limit order early in the morning SG time. Around 9.30pm SG time, US stock trading starts and the price had gone up by 3 US dollars. 

Then in the middle of the night (3am sg time), I woke up and decided to withdraw my order. And put in a market order to buy stilp just 5 shares. Immediately I got the shares.

Something exciting. 

I am planning to change my strategy this year. To invest my extra bucks in US stocks.

I have some stocks in mind, Coca cola, apple, more citigroup. 

As the interest rates will be going up, banks will benefit, so my focus for now is still Citigroup.

moomoo

Finally I decide to buy US stocks. First I need a trading acc. I googled and tiger brokers and moomoo came up top. 

In the end, I decided to go for moomoo because I saw a sg financial youtuber document the step by step guide.

It looks easy, I am all set. I have already exchanged sgd to usd. Will buy 10 citigroup shares tmr.