Saturday, 28 February 2026

Month of February 2026

Right before Chinese New Year, I made two working trips. The first to China was a routine one so as to celebrate the festive season with friends and colleagues before they break off for the holiday. The second to Malaysia was a last minute request by a client who wanted to have a meeting in person. However, this was easier said than done. As flights were typically full during this period, my colleague and I scrambled to find tickets to Kota Kinabalu. The number of flights out of Singapore were few and didn't match the timing we wanted. Another option was to go via Senai airport but that meant having to navigate the Causeway congestion. So we settled for the last resort which was to fly from Singapore to KL and do a transfer. Upon arrival at KL, we needed to obtain the next leg's boarding pass and went to the transfer counter. The service staff said it was available in the mobile application. My colleague had no issue. So I opened the AirAsia app and showed him that my details couldn't be retrieved. Therefore, I requested for a printout. He mumbled something into the walkie talkie then told me to go past immigration and check in again. There was about an hour before the next flight. Instead of spending time to go through passport control and security checks, I suggested to the staff to check his ticketing system and try to print out the boarding pass. He reluctantly tried and repeatedly toggled my mobile app. This went on for five minutes. A long queue had formed behind. He consulted his fellow staff seated beside and voila, a printed boarding pass appeared! The level of competency is well, on the next level and I was just glad to walk away. The day had just started and worsened with the aircraft coming in thirty minutes late. Our meeting was to start at 1500H and whatever buffer built in wasn't enough. It became a rush from touchdown, being late by twenty minutes and completed the meeting in two hours. Thereafter, we were on the road back to the airport, this time for a direct flight home. Finally, to hear the stewardess' voiceover, "To Singaporeans and residents of Singapore, welcome home", that always evokes a feeling of comfort, never mind even if it's already 2300H. It was also the first time I ever had breakfast, lunch and dinner in an airport on the same day.

After coming home from the above trip, the feasting period officially began. From reunion meals to buffet lunches, it was crunch time for the stomach. I had a number of irresistible hotpots and five loheis where I proclaimed Jade Palace's to be the best this year. In between, I tried to sneak in a bit of gym time and ginseng tea. At this point, I don't dare to step onto the weighing scale.

Tip: Benriach The Sixteen, butterscotch, apricot, honey, faint peat and creamy spice

Sunday, 15 February 2026

Finance Investment Movement 66

It's nice to start off the year by checking the CPF interest income which as usual, did the heavy lifting in contributing to the 2.8% portfolio improvement target. In this new year, the hurdle to climb will be 8%, to reflect expediency towards my retirement plan. There were no slouchers as the STI rally shone through with ST Engg being the star in my small stock basket. Time in the market proved right which I fortunately did not waiver when prices were attractive for disposal. As things stand, I intend to initiate positions in new stocks with a $20000 budget but this would probably not be in near term due to high prices. Yet, with cryptos seemingly falling sharply, it's time once again to hold on to the seat belt.

Chinese New Year celebrations have started and my schedule already shows many upcoming dinners. In a couple of lunches with the seasonal menu, I noticed the prices hadn't changed from previous year. Reservations were surprisingly still available at last minute notice. This doesn't bode well for the festive period. I think it's a hard slog for the food and beverage sector. Not only are consumers and business owners paying more, the trends have shifted towards Chinese cuisine which seems to be a little over saturated. At this rate, we will lose heritage food and variety. Cost inflation basically killed the older and manual laborious food operators that I love. Even school canteens are becoming centralized!  Overall, while economists favor free market competition, I prefer more control to keep a balance in check. Please don't let the muah chee, kueh tutu, oyster cake, satay beehoon etc disappear. I'm willing to pay more. These are local delicacies that aren't replicated elsewhere and pray that day never comes. One Sichuan restaurant less won't impact much, doesn't it?

Dividends as of January 2026: $381.20 (avg $381.20 per month)

Tip: Choyofukumusume Junmai Gingo Summer, gentle crisp, young green grape, medium finish