Tuesday, 30 June 2026

Month of June 2026

It was a packed month of events comprising of birthday celebrations, attending exhibitions, office opening ceremony and my son's BMT passing out parade. I looked forward to the last event as plans were made to give ourselves enough time to find the location and snag a good viewing spot. Two days before that, my son messaged that he needed a ride home from the ferry terminal. I was puzzled since the timing wasn't right. It turned out there was an episode of mass coughing in the platoon and he was one of those affected. The medical officer had sanctioned a departure from Tekong camp to avoid spreading, I guess. Worse, he was listed as ill and unfit for the parade. So his moment in the limelight got taken away while the enforced rest was in place. Fortunately, after about a week, his condition improved and subsequently received a posting notice to the Artillery unit. Now, he's on the way to become a gunnery assistant.

I had a dinner event that ended late. By the time I reached home, it was past midnight. As I walked through the door, the lights were still on. My wife and second son were getting ready to bring our pet dog to the vet. He had just vomited and experiencing diarrhea. They left while I went to wash up. When they returned 1.5 hours later, I learnt a new term. The diagnosis was Giardia, probably caused by ingesting something bad and upsetting the intestines. It's actually quite common, especially for pets that walked outside the house regularly. Some may carry the disease but remain asymptomatic, spreading the infection through fecal excretion. So the poor boy had to be force fed tablets and liquid medicine for three days after which, his stool became solid again and could begin the road to recovery. We are in a dilemma whether to resume daily walks or hold back for a while more.

Tip: Umegae Junmai Daigingo, tempered sweetness, soft and enjoyable on its own

Monday, 15 June 2026

Finance Investment Movement 70

It was no shock to see the portfolio target drop to 2.9% as full payment was made towards income tax and various insurance premiums. Besides crypto, all other areas did decently as stocks continued its upward momentum. I note as compared to this period last year, my dividend income rose by 5%. Good but it's a bit too slow and need an acceleration booster. My bonus just arrived, now waiting to be deployed.

What is the most important financial advice you have heard? Some would be concerned with risk management, savings or simply to start in investments. All of them are valid but I hold one particularly close i.e keeping expenses below income. Because it's easy to understand but toughest to do. Typically, most people see an increasing income over a career span along with heavier spending. However, when it comes to stop work, they couldn't adjust their lifestyle accordingly. I have an uncle who was an electrician, supported his family of five on sole income and still stay in the second HDB bought. Now, his children are working and he just does the occasional Grab driving to pass time. Throughout the years, he's always maintained a cheerful outlook even though I know he's not a median earner. Then, there's another uncle who started off well, drove a continental car at an early age and enjoyed travelling. He was also the sole breadwinner for a family of four. Things caught up when business started to dwindle and eventually folded. From an apartment, his family moved into a HDB and now no longer owns a car. I witnessed this over the years and continue to observe today. Both uncles are similar in age, retired yet have distinctly different outcomes. One maintained a consistent pace while the other chose a YOLO path. Another interesting point about them is as far as I know, both didn't do any form of investments. Yet, it's clear whenever I speak to both my aunties, one feels light-hearted about life while the other has a perpetual stressed look. Hence, over a span of life's most productive years, the spending choice one make will leave its mark in the latter years.

Dividends as of May 2026: $4023.22 (avg $804.64 per month)

Tip: Sawanoi Junmai Daigingo, aromatic and slightly sweet, a good generalist