rightfully painful

being smart is to keep doing it even if it hurts,
the same goes for being dumb .

it hurts when you see things you could have spend but you cant because you want to save and invest a chunk of your salary every month

its dumb to not find men to date in horrible places to meet them like clubs and pubs or dodgy establishment to find a boyfriend candidate but you do it again and again heartbreak after heartbreak because its easy to hook up

recession proof your investment portfolio

recession proofing is crucial especially when it is 9th year since the last big recession – because on average recession happens every 10-12 years ,on average but not necessarily so

so what are the recession proof stocks :

1.stock market exchanges – London stock exchange, SGX singapore stock exchange, bursa malaysia,and HKEX hongkong stock exchange,
-the rationale : the amount of trades and volume of trade increases during a recession ,so not only it gets business , the business gets better during a recesssion

2. supermarkets – Walmart, etc

3. big tech – FAANG, alibaba, meituan dianping ,tencent

4. telecommunication – eg . Singtel (SG)

5. utilities – CLP (hk), Power assets group (hk)

6. waste management- waste management WM(USA), republic services , – some of these are also partial utilities as waste are turned into energy stocks

7. certain reits – by certain reits i mean commercial office and industrial reits are less affected, retail reits are somewhere in the middle and the most affected during a economic recession are hospitality reits,and if it is a pandemic recession hospitality reits are as bad as it gets. THE SUPER SOLID – recession resilient are healthcare reit eg parkway life (SGX) , and data centers reit keppel DC reit(sgx) ,Cyrus ONE (usa) because data centers are going to be needed regardless for company to operate and those companies requiring data centers are usually large companies who willl pay and use all these services through good and bad times

why do you not buy these shares only when recession strikes?
cos by then the prices to trend upwards by then the valuations are too expensive or getting expensive,so you have to re-arrange your portfolio before it so you can get these boring stocks at reasonable prices before the demand creeps up ,so when recession comes, these stocks are such in a good demand you can sell it at a overpriced valuation to buy beaten down cyclicals like banks, oil and gas and mining companies

the more i learn , the more i realize how i don’t know – albert einstein

if you ever wonder how economy works

after you watch this you will know why the FED interest rate is such a hoo-haa in the financial and economics scene

distorted unrealistic sense of norm

http://www.bbc.com/news/education-38392802

 

man seeks happiness in everything they do …. even as they hang themselves

All men seek happiness. This is without exception. Whatever different means they employ, they all tend to this end. The cause of some going to war, and of others avoiding it, is the same desire in both, attended with different views. The will never takes the least step but to this object. This is the motive of every action of every man, even of those who hang themselves.- blaise pascal

it is not how many days you have to live but how much life you put into the days you have

’tis none to you, for there is nothing either good or bad, but thinking makes it so’ -william shakespeare