I m in the process of selling off my US ESPP shares to avoid family paying 18-40% estate tax in the event I RIP.Not for retirement purposes but estate tax. As most of you are aware that any amount in excess of USD60K, there is an estate tax of maximum 40%.To make life easier for my family members, i m slowly selling off my ESPP.I dont think it is worthwhile engaging lawyer to bring my USD back to the estate.Why not i do it myself while i m still alive and use it to invest in SG stocks where i park them in CDP as they are transferrable - as long as you list the beneficiary in the will. I m on track with my 2024 KPI SG dividend as this week I hoot $UOB(U11.SI)$ and $ocbc bank(O39.SI)$.[Happy] [Smi

I think inner peace is not measured by how much savings you have.Maybe it is due to my stressful job,I wanted to retire 6-7 years ago.Hence,I started my retirement plan at a young age. I set personal goals at various stage of my life.As I used to do regional role,i saved almost 70% of my salary. I didn’t really keep track of my wealth until one day a financial advisor sat down with me.i listed whatever I could think of.But I forgotten about my ESPP.The US stocks I am trying to sell to avoid estate tax in the event,I RIP. I used to be a conservative person and whatever method is available to reduce income tax,I would have a share in it.Endowment plan,SRS,top up my CPF or donations etc. If you have a solid and well organised retirement plan,you do not have to put a price to it.You will b

I have achieved my KPI of SGD24K dividends from SG stocks. In fact, more than that this year. Next year another KPI. Will think about it after my business trip. Now at T3 waiting to board my flight. Hello Kitty at Changi Airport T3. [Chuckle][Love][Heart]

$Tesla Motors(TSLA)$ It was at anotherlow on Friday 176.55. 🙏🤦‍♀️🥺😢😓🫣 Twitter saga has dragged his "Baby" even furtherdown. Does it mean we might be seeing a dip to range of 150-170 in near terms?  I yet to jump in to "rescue" this sinking "baby". I question myself - is the time right for me to do so or shall I let it sink like Titanic and years later, treasures are being found? 😏🧐🤨 @melson your price of 240ish (hope I remember correctly) is far beyond reach despite your high rush appetite. 🍾🥂

Have not been shopping for SG stocks for past 1.5 months as busy with work. “Fighting” with customers. Last night, $SIA(C6L.SI)$ has announced a dividends of 0.38 cents [USD][Happy][Smile][Chuckle]. 0.10 cents more than last year. I m in cloud 9 [Miser] as i will be receiving a 5 figure dividends. 😱😇. I hope to acquire more $SIA(C6L.SI)$. [Bless][Bless][Bless]🙏🙏🙏

Ever since my DBS Vickers Cash upfront account was approved, I just go stocks buying as their brokerage fees is very low. Moreover, the stocks purchased will go to CDP. That's what I always wanted.  Being a long term and dividends driven investor, I just DCA and compound for the long run.  This morning I was looking at my UT portfolio, I was shocked that I m extremely high risk investor. [Happy]  [LOL]  [Smile]  [Chuckle]  . only 1 out of 6 high risk UT not doing good. The other 5 are flying colours. 1 low to medium UT & 1 medium to high UT are doing so so. Looks like I have better luck with high risk UT rather than low to medium or medium to high risk UT.  I love a particular sector UT but their annual management fee, annual trustee fee & expense

I m back to River Wonder to find my inner peace and soul during these red Red Sea market. Thereis nothing much we could do during this volatile market either you cut loss or DCA or doing something you enjoy to make you happy. Most of the traders will cut loss and move on. AsIm a long term investor, I will monitor the situation and add some counters if I think the price is right. Recently, I added $Bank of America(BAC)$to lower my previous price. But it has dips further. I have no regret as buying stocks is like going to casino, you cant win all the time.  I was looking at $Intel(INTC)$to average my current cost but some advices I received was... keep your warchest an

Yesterday I went for the Swifties event organised by Jewel. I not a fan of hers but just accompanying my friend there.  I was impressed by how the fans dressed up for the event. Even little girls, maybe age of 5-7 y o, came dressed up like Taylor Swift - in their boots. They even remember every moves of her songs[Salute]  🫡. Not 1 song but all the songs done by the band.  I really enjoyed the 2hours event even though they didn't manage to get Taylor Swift to grace the event. Jewel's intention was to get Taylor Swift to see the new forest. #SeeTheNewForest. As her last visit was in 2013. Hope I didn't get the date wrong. Anyway, band 53A did a very good job in singing Taylor's song. Even I, a non Swiftie, can feel the love in the air[Love] [Heart]   B

Don’t think anyone can beat me on my highest loss on $Intel(INTC)$…[LOL][Chuckle] Anyway, I m waiting for $DBS Group Holdings(D05.SI)$ to announce its earning on Wed, 7Aug before I “conqueror”.

You won’t believe it that I was invited for an event at Levi’s Ion Wed night, 9 Oct, via LinkedIn. I was expecting a talk on promoting Loqate products. Instead, I was given $250 to shop. 😱🤦‍♀️🤕😬🙄. I called my family members as I don’t have anything in mind. I thought they will tailor made my jeans as they mentioned customisation. Thank goodness my family members  have something in mind. Hence an extremely early Xmas from me - courtesy of Loqate. People used LinkedIn for looking jobs whereas company invited me for such event. Initially, I thought it was a scam so I played along haha. surprised Free shopping! 🛍️🛍️ Other guests that I spoke to were impressed with the marketing technique of Loqate. We were all expecting a brief talk by Loqate. Nothing of that sort. Gave you