Here's My Story

Here are the average dividend yields on cost for shares that have paid out dividends: Share counters (2 of them) with no dividend yields just means that I have yet to receive at least a year's worth of dividends from these companies. The overall dividend yield on cost weighted by invested amount is 5.0% (vs 5.1% in previous review), excluding the 2 share counters mentioned above. There are 15 share counters with dividend yield (on cost) less than 5% (number of consecutive years of this low yield in bracket): Capland Ascott (1) CapitaLandInvest (1) ComfortDelGro (5) Delfi (1) Frasers L&C Tr (3) IFAST (6) Keppel DC REIT (3) Mapletree Log Tr (3) Micro-Mechanics (1) Parkway Life Reit (5) Raffles Medical (3) SGX (5) Sheng Siong (3) Singtel (3) UOB (6) (at 4.9%, it's very close to 5%) UOB's dividend yield of 4.9% is good since it's a bank. iFAST's low dividend yield is more than compensated by its huge unrealised capital gain but I might pare it down further. Parkway ...

These are the shares that I initiated position in and sold since the last update about year ago : Initiated in: (1) Credit Bureau Asia Ltd (as recommended by The Smart Investor) " Credit Bureau Asia (CBA) is a leading credit and risk information solutions provider in Southeast Asia. The group provides credit and risk information services to a wide variety of clients such as financial institutions (FI), multinational corporations, government bodies, public agencies, local enterprises, and individuals. " Reasons to buy: A dominant market leader in the credit information services sector Network effect competitive moat Solid financials with growth in revenue, net profit and dividends Catalysts for continued growth Potential growth in China and other countries Risks: Economic downturn Non-renewal of contract with Dun & Bradstree Uneven track record in expansion (2) The Hour Glass Ltd (as recommended by The Smart Investor) I bought some once The Smart Investor moved it from sp...

Recap regarding pain: Pulling pain at the wrist just below the base of the thumb when I moved my clenched fist upward. Sharp pain at around the same spot as above when I push the back of my palm towards me. Overall, there was slight decrease in pain level when testing the pain (as above), when massaging my upper left back, and when rubbing stubborn stain with a rag. Sometimes, though, there was sudden throbbing pain (for a few seconds) even at rest. The good news was that neither exercise caused any pain. In fact, pain level reduced a little after exercising.  As usual, physical manipulation and ultrasound treatment was applied. Therapist got me to do the first exercise 20 rep followed by 10 rep x 2. Tiring! He then prescribed the same two exercises for two weeks with no appointment set i.e. see him if I need to. I guess this is good news. Although it wasn't specified, I'll continue with the 10 mins of break after 30 mins of using the right hand until it's fully healed.

    Name of the shop, in Butterworth, is Bo Plan 😄

I tried Magick Archer before Mystic Spearhand but the mechanic of using the bow was too clunky for me (or so I thought) when following the instructions in-game. I thought maybe this was the case because I was using kbm (keyboard with mouse) instead of a controller. Later, a video guide on building an Magick Archer incidentally helped me to realise that its bow mechanic is easier than described in-game. I tried, it worked and so I changed to that vocation :) Here's my final build: Weapon skills Frosthunter Bolt: It was my usual opener on single target. The aim was to freeze them. Sagittate Avalanche: After freezing them with the skill above, I would use this a couple of time, at least, before deciding whether to resume freezing them. If I had opened with this skill instead, I would draw aggro earlier iirc. Lifetaking Arrow: I used this it hit mass of small enemies to momentarily stun them. Super useful on flying creatures. Martyr's Bolt: This was used only if I desperately want...

Hands down the best steamed chicken in PJ. This was served by Yat Yat Seng @ Megah Rise Mall. Its sauce is unique and its rice was certainly more flavourful than many other so-called chicken rice in town. The only downside is its steep price. Korean corn dog at CU convenience store. So-so only. The noodle was not bad but not to my liking. I can't remember what else was there but I'm guessing that since I didn't place Ke Ren Lai in my list of food places to go, that means that I wasn't keen to try again. I vaguely remember that Ban liked the lei cha though. Dry mee hoon kuay at WR food court, Butterworth. It's rare to come across this dish and even rarer that it's good. This was definitely good in terms of taste, portion and variety of ingredients that were generous in portion compared to your typical noodle dish.