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Objectives of this blog:
1) Plan for my retirement.
2) Journal my way to financial freedom for my family and me in Singapore.
3) Share my financial knowledge and wealth management in an easy to understand way.
My current aim is to generate a passive income of $3000.
Thursday, December 31, 2009
My Financial Achievement in 2009 and New Year's Resolutions For 2010
Cash: $1500
Total: $1647.14
Target: $3000
Achievement: 54.9%
I give myself a "B+" grade for my passive income achievement for 2009. My passive income has grown from $600 in Sep 09 to $1647.14 in Dec 09.
New Year's Resolutions For 2010:
For the new year, I am hoping to achieve a passive income of $2000 at Jun 10 and $2400 at Dec 10. I will be actively looking for other source of passive income so as to achieve financial freedom.
Last but not least, thank for those who have been following my blogs. I will try my best to write more articles based on my experience in achieiving financial freedom next year.
Wednesday, December 30, 2009
A Zen Story for those who want to achieve financial freedom
Once upon a time, there was a wise Zen master. Many people would come and ask him for enlightenment in the ways of Zen. One day, a general came to visit this Zen master. He said arrogantly and proudly to the master, "After fighting so many battles successfully, I really tired of it. So how can you enlighten my mind?" He began to laugh loudly while waiting for the master to reply.
The master slowly raised the teapot and began pouring tea into a cup. It was slowly filled up and the tea started to overflow onto the table. The general stopped his laugher as the tea began to drip onto his clothing. The general shouted, "Stop that, can't you see it is full?"
The master stopped the pouring and smiled at the general, "You are like this cup of tea. It is full and cannot be filled up anymore. Come back to me when it is empty."
The morale of this story is one must clear his or her opinions before learning new thing.
For those who want to achieve financial freedom, please remember to keep your mind open for any opportunities. Search for opportunities rather than waiting for the opportunities to come to you. And one more thing, "Less educated" sometime can be a good thing too.
Tuesday, December 29, 2009
My Passive Income (Month of Dec 09)
Some updates on my passive income on the month of Dec 09. There are no changes in my passive income 1, 2 and 3. For passive income 4, there is an increase from $30 on Nov to $100 on Dec. Yes, it has just tripled. However since my passive income 4 is still in the building stage, I will be expecting it to go up and down.
For CPF(OA), I have make a small error in my last calculation. The extra 1% increase from the first $20000 in OA account will actually go into the SA instead of OA account. I have recalculated it and put here as a update.
Here is the summary for month of Dec 09:
CPF(OA): $147.14 (from interest and dividends)
Cash: $1473.84 (from dividends and other passive incomes)
Total: $1620.98
Target: $3000
Achievement: 54%
Monday, December 28, 2009
Forget about achieving Financial Freedom if you do not have perseverance or refuse to learn
Do you still remember how you learn to ride a bicycle? You will definitely get a fall in the first try. How about second and third try? You are most likely to fall again. Even if you try 10 to 20 times, you might just fall. But after each fall, you learn something important, and that is balancing. The most tries you make, the more you understand how to balance a bicycle. And suddenly at one moment you manage to ride the bicycle for a few seconds but still fall in the end. That is the moment that you feel some success. With more practice, very soon, you will be able to ride a bicycle for one, five and even ten minutes without falling. That is the point that you are feeling more confident. And eventually, you have learn how to ride a bicycle.
I can say that a lot of people simply refuse to learn something that is "uncommon" to them even thought these skills can help them greatly in their lives. Most people like to stick to the common thinking of the majority. They have all forgotten how to learn and be successful in their learning. Most of them may just give up after one or two tries, even though there is a chance to get some success in the third try. If you are those people who give up easily, you can stop visiting my blog as you can never achieve financial freedom.
Currently I am building up my passive income 4, and I will be giving myself one to two years to set up it. I have the perseverance in doing it and now I am able to "balance the bicycle for a few second" already. It is just a matter of time to achieve full success in it.
You may want to read the Jack and Jill story, to understand my point.
Sunday, December 27, 2009
My Income Projection Chart (with and without passive incomes)
I hope that this post will motivate you to do more in your life so as to achieve financial freedom in the shortest possible time.
I have managed to plot a chart for my total income projection. As it is confidential, I have to remove the actual value of my total income and have shifted the chart down so that my starting pay is on the horizontal axis. In year 7 of my working life, I have added my first passive income. In year 9, I have a total of 3 passive incomes.
The blue dotted line is the projected income for my main job. You can see from the chart that the growth of my main income is very slow.
The dotted green line is the projected total income for my main job plus my passive incomes. Based on the chart, the value of the green dotted line in year 10 has the same value on the blue dotted line in year 20. This means that I am going to achieve the same amount of income next year which is equivalent to what I might be achieving in 11 years time by solely depending on my main income source.
I only include my three passive incomes when plotting the dotted green line in the chart. If I can successfully build up my fourth and fifth passive incomes, the growth of my total income will speed up more. I have estimated that I will need 1 to 2 years to build up my fourth passive income. Thought it can be hard work but the result that I am achieving is definitively worth to put the effort in.
Saturday, December 26, 2009
80-20 Rule for allocating time in building up passive incomes
The main purpose of setting my life time table is split my working time and family time so that I can take care of both my work and my family. The passive income time is currently used to slowly build up my passive income 4 and to find out what is my passive income 5. My passive income 4 is only 10% done up so I will be spending 10 hours per week in it. Recently I have some rough idea for my passive income 5, so I will be spending 3 hours per week to do some research on it. I wouldn't feel tired by spending time for my passive income as I have 8 hours of sleep per day.
You can read my post on how much passive income I have achieved @ I have achieved one-half of my targeted passive income!!!
Thursday, December 24, 2009
Never put all your time in one income stream
A lot of people is putting a lot of time in their main job or core business, but have neglected many other things that they can do to earn or make extra money. As the result when their one and only "basket" dropped on the floor, they are not able to know what to do next. Stress will start to surface as they have no other income source to depend on. Very often people are probably lack of ideas or lazy to find out what are other things that they can do to create another income stream for themselves.
My advice is never put all your time in one and only income streams. Try to understand yourself what you can do to create another income streams for yourself. For myself, I already have four income streams and trying to learn to create more.
Wednesday, December 23, 2009
Why people don't plan for retirement?
These people can be classified into two basic types:
1) Work and Pay
This type of people normally works very hard for their careers and they have a lot of financial commitment, like paying huge monthly installment for owning car and expensive property. It is very hard for them to save up money. And even there is any savings, they will just spend it on travel or other thing. Their common reason of not planning for retirement is they simply have no money or time to do so.
2) Work and Play
This type of people normally will spend a lot of time on playing games, watching TV or other entertainment after their work. They will not care too much what will happen next in their life. Their common reason of not planning for retirement is they thought that their savings and CPF are enough for their retirement in the future. I am guilty to be one of these people in the past. I used to play online games like MapleSea and DOTA for at least 20 hours a week.
It is only when my child is born three years ago then I realised that I have to be financially more responsible. Since then I have quitted my gaming habit and have started to have my own financial/retire planning. I am a super saver, so it is not difficult for me to start one.
So are you belong to any of the above two types? And have you started planning for retirement yet?
Sunday, December 20, 2009
Three Stages in Personal Finance
Stage 1: Learn how to make your money
For a normal person who has finished their education stages, he or she must find a job in order to earn a living. A lot of people has managed to pass this stage and has a pay which is more than their expenses.
Stage 2: Learn how to save your money
After having a income, one must learn how to protect his or her money. Not all people has passed this stage due to overspending, or too much family commitment. People who are stucked at this stage will have zero or little saving. And they are more likely to take more loan as compared to people who has a higher saving. Taking more loan mean that they have to pay more interest which make them poorer.
Stage 3: Learn how to grow your money
After passing stage 1 and 2, one must learn how to grow his or her money. A lot of people has ignore this stage as these knowledge are normally not taught in school. That is why a lot of people is unable to acheive financial freedom after working all of their lives. Most people work for money, rather than letting money to work for them. They can save a lot, but due to inflation, they are actually "become poorer". One must learn how to grow their money, otherwise they will become a work horse forever.
Once these three stages are cleared, one can start to think of acheiving financial freedom status. As for me, I have managed to clear these three stages and now slowly gearing toward financial freedom.
Friday, December 18, 2009
Everything in life is gambling!!!
You are gambling with your money and time by choosing the correct field to study that will guarantee you a job in the future. Wrong choice means losing your money and time.
You are gambling with your time and effort by betting that your company will appreciate your work, so that you will be rewarded fairly. Please note that your company will have 101 reasons to retrench you even though you have put in a lot of hard work for many years. If you are retrenched, it means you will lose your time, your pay and your effort. Sometimes it is very hard to find a similar job without a huge pay cut.
Doing business:
If you are doing business, you are gambling with your time and money. If your business failed, you will lose your money and time. If you will wasting more time thinking what to do next.
So is investment a form of gambling?
Yes of course, you are basically gambling with your time and money by betting on the right stocks. Wrong choice of stocks will just make you lose your money and time.
However, in my opinion, investment risk is not more than that of studying, working and doing business. If your stock happen to plunge, all you need to do is to hold your position. But studying in an obsolete field, being retrenched after working for many years, and failure in business will not allow you to hold in your current position.
Thursday, December 17, 2009
I have created another blog for my investment portfolio
How to invest regularly if you do not have a lot of saving?
However, there are plans from some investment companies which allow investor to fix the amount of money they want to invest per month. One of plans that I have found is the Phillip Share Builders Plan (SBP). For those who has a POEMS account might already know about this plan. But for those who don't know, I will just give a short description.
From what I have read from the Philip website, the minimum amount that an investor needs to put in is $100 per month per counter. Investor can select which counter to invest in from the list of counter stated by the company. For dividend, it can be reinvested or you can choose to receive the dividend. You may want to find out more detail by checking out the plan at the PhilipCaptial website.
Another plan that I found is Regular Savings Plan (RSP) from fundsupermart. However please note that this plan invest in funds(or unit trust) instead of individual share or stock.
You may want to google "Monthly Investment Plan" to find out other plans that are not stated in my posts.
Wednesday, December 16, 2009
Closed my CFD account today
If you are not familiar with what is CFD, you may google "CFD account" to find out more.
I also go to the POSB bank to activate the link for CPF Investment account in my ATM card. I have transferred that unused amount (about 10k) from CPF Investment account back to my CPF. Why do I need to do that? I have recently read a blog post @ http://sti-stocksinfo.blogspot.com/2009/08/calculating-cpf-interests.html
Based on the blog explanation, CPF interest is calculated monthly and not yearly. So if I transfer back the money back to the CPF account, I will get more interest next month as compared to leaving it in the CPF investment account.
If you are interested to find out more about CPF investment, you may google "CPFIS" or "CPF Investment Account".
Tuesday, December 15, 2009
Planning to retire in 17 years
Currently I have achieved a passive income of $1550, and based on the assumption on my post "How long does it take me to reach a passive income of $3000?", I will be reaching more than $5000 in 17 years time. That will also be the time when my child has become a young adult. I am looking forward for a retirement around that time. Hopefully $5000 is enough for my family expenses. In order to achieve my aim quickly, I will try to source out other passive incomes. Please note that, I plan for my retirement now instead of 20 years later where every thing will be too late.
This is my own way of planning, you may google "Retirement Plan" to find out what are other types of plans that you can use.
Sunday, December 13, 2009
Singtel Technical Analysis (13 Dec 09)
Please note that I am only doing technical analysis for fun and I will never use it to predict the direction of the market. If you are reading this, just take it as a pinch of salt.
As in my previous post titled "Investor, Traders and Speculators Charts", I mentioned that there are three type of charts. Guess which chart Singtel is currently forming? I have put in three blue ovals in the three indicators. See it for yourself whether is it a good or bad point to invest.
My stock gains/losses from Oct 09 to 11 Dec 09
Friday, December 11, 2009
Bought 5 lots of SingPost on 11 Dec 09
Wednesday, December 9, 2009
I have achieved one-half of my targeted passive income!!!
Tuesday, December 8, 2009
Rule no. 3: It's far better for other to buy an overvalued stock from you, rather than you buy an overvalued stock from other.
I value the stock simply by calculating its yield. See my post "http://lifelongfreedom.blogspot.com/2009/11/buying-stocks-based-on-price-and-value.html" If the yield is no longer attractive as the price of the stock goes up, I will sell a portion of it first. If the price goes up again, I will sell the next portion. It will make my investment less risky as I know that I will be holding less and less overvalued stocks and I have free some money to target to buy other undervalued stocks.
Please note that I am adopting averaging down strategy when buying stocks. This will keep the average buying price as low as possible. As for selling of stock, I am adopting averaging up strategy. This is kept my average selling price as high as possible.
If you are interested in my plan for next year, you may click on the below link.
My stock strategy from now till 2010 (Updated on 27 Nov 09)
Monday, December 7, 2009
Who can be trusted in the market?
Recently one of my friends told me that his broker recommended him a stock. He bought it, and since then the price of that stock keeps dropping. I don't understand why he chose to believe in his broker where his broker don't even share out his portfolio at all. This incident make me has the urge to write this post.
In my opinion, there are two people that you can trust in the market. The first one is you of course. If you cannot trust your own judgement in buying stock, why buy it in the first place?
The second one is someone who shares with other what are the stocks he buy or sell, show people how his strategy can work by using himself as an example, but will not make any recommendations.
Give you an analogy. If you want to learn how to play a piano, will you find someone who can talk about the history of piano all day, or someone that can demonstrate his skills by playing the piano in front of you? Of course for myself I will choose the second one as he has the skills who can show me the right way to play the piano.
Every morning, some tv channels always have analysts to talk about the market. They can talk very well and normally with some recommendation on what share to buy. Do these analysts ever show you their portfolio, tell you exactly what strategy they are using, any prove of their winning track record? The answer is almost all "NO". Basically these analysts are just paid to write and talk, just like someone who just talk about the history of piano and you don't know whether he can actually play the piano or not.
Sunday, December 6, 2009
Dealing with Market Randomness
Methods on dealing with certainty and randomness are completely different. For things that are certain, you just need to go for the best approach to get maximize gain. For things that are random, you will need to manage your risk in order to maximize your gain.
So how to deal with the market since it is random? The keys are:
1) Fixed your own winning strategy and follow it all the way. Don't use it randomly or stop it half way. You can find my strategy in my post "My strategy in investing stocks. "
Have you ever hear of stories from people who had bought the same 4D number for many years. For many years, they have not strike the number, but when the moment they stop buying the number, the number suddenly appeared as the first three prizes in the next few days or weeks. I am not encouraging people to buy 4D as it is a losing game in long run, but I just use it as an illustration. Fixing your own winning strategy and following it all the ways is perhaps a better method as compared to those who never follow it consistently.
Following your strategy all the times is one of the hardest thing to do in the stock market as you are facing real time prices jumping up and down every second. If your will is not strong, your emotion will prevent you from following your strategy. "Buy and don't look back" is one of the ways one can use to ensure strictness on your strategy.
2) Make "dropping of price" and time as your friends and not enemies.
As an investor, I will make "dropping of price" and time as my friends and not enemies.
Seeing a good stock falls in price after buying it at a fair value is not a surprise to me. It is because I have already convinced myself that market is random. See my post "Investor, Traders and Speculators Charts ".
For a trader, he may just cut loss immediately after seeing the price drop. But for me, it provides me a good opportunity to buy more. If the price goes up, I will not buy anymore, but rather wait for the stock price to be overvalued to sell.
Time is my friend as I will just wait as long as I like for the stock to go up. I will collect dividends while waiting. Remember, contra player make time as their enemies as they cannot hold their position for more than 3 days. They are most likely to lose money as compared to a investor who is doing averaging on a good stock.
Friday, December 4, 2009
Rule no. 1: Never predict the market direction.
In mathematics, you might see this simple formula,
y = x + 1. So if you know what is x, you can easily know the value of y, the formula is very easy.
Let us see another formula,
y = x + z + 1. Again you must know what is x and z, then you can calculate the value of y. The formula is a bit complicated but still managable.
How about this formula,
y = a + b + c + d + e + 1. There are total of 5 variables and you need to find out all the variables before you can calculate the value of y.
Why economics news make a trader hard to predict the market? Let say there are 5 economics news which can affect the market, you must know whether all the 5 news are positive or negative. To find whether y (the market direction) is postive or negative, you will need to sum up a, b, c, d, and e economics news first. But before you are able to calculate based on your formula, the market direction has already affect in the news. So if you try to predict the markets, you are often too late.
Why Technical Analysis cannot be used to predict the market direction?
I agreed that TA can be used to calculate risk/rewards ratio, but never the direction of the market. If someone were to predict the random market direction accurately, his or her brain will be more complex than the random market direction.
For example let's says the daily share price of a stock is as follow, 1, 2, 2, 3, 3, 4, 5, 5, 4, 3, 5, 6, 7, 8, 9, 8, so what is the next price after 8? You can say is 7, 8, 9 or other number by using TA. That is simply guessing. If you do not know what is the next number in my mind, how do you know what is the next number. The only way you can guess correctly is to read my mind. That will mean that you have powerful six sense or you are a super human being who can control my mind. Even you can read my mind accurately, can you read millions of people mind who trade in the market?
So next time if there is a stock guru tells you that he can predict the market direction, give him a series of ten numbers and ask him to guess whether the next number is higher or lower than the tenth number.
Thursday, December 3, 2009
My stock gains/losses from Oct 09 to 3 Dec 09
I have tabulated my gains and losses in my investment from Oct 09 to 3 Dec 09. As in my previous post, I will continue to hold my current holdings until some of the stocks reaches my expected values. I will put in new positions when I see new opportunites.
Wednesday, December 2, 2009
The Goose That Laid the Golden Eggs
The story goes like this: A farmer had found a goose that will lay a golden egg every day. Even though his life is getting better as he no longer needed to do any farming, he found himself not getting rich enough. Due to his greed, he decided to kill the goose thinking that he can get all the eggs inside the goose. Unfortunately, he was not able to find any egg inside the goose. For that day onwards, the farmer grew poorer and poorer as he can no longer find another goose that will lay golden eggs for him every day.
In the stock market, there are many such farmers or investors around who do not know how to value their stocks. Some of the stocks are actually providing a lot of yields or golden eggs every year, but because of a sudden increase or decrease of stock price, they decided to sell the stock away for a short term gain or cut loss. After selling their stock, they realised that the price and the yield of the stock went up even higher. They had decided not to buy back the stock as the price has increased a lot.
My purpose for this post is to suggest that it is good to hold those good fundamental stocks with good yields which are bought at low prices. It doesn't matter that the price movement of the stocks may be slow. What is more important is that these stocks are providing good yield consistently. So don't try to sell them for a short term gain or cut loss as most of the times the price of the stocks will go up after selling it. You will find yourselves very hard to buy it back at high price even thought it is still a "Goose that laid the Golden Eggs".
Tuesday, December 1, 2009
Why I am not afraid of losing money in my investment?
Reason 1:
I am using my own extra money that I can lose.
In my post titled "Do you have a peace of mind after buying shares?", I have mentioned that I am using the money that I can lose, and losing this money will not affect my life at all. I did not borrow any money, or using any leverage instrument to increase the risk of investment.
Reason 2:
I am buying fundamental good stocks.
In my post titled "My Stock/ETF choices", I have mentioned that I only buy fundamental good local stocks that are very safe in my opinion. I only buy stock that I can understand and I will never speculate.
Reason 3:
I am buying under valued stocks which give good dividend.
In my post titled "Buying stocks based on price and value", I have mentioned that I am targeting stocks that produces good value or yield. With this in mind, I am not afraid to hold these stocks for long term as they are constantly giving me good dividends. In the same post, I have stated my formula to calculate the value of the stock.
Received dividends of $187.50 from SingPost (1 Dec 09)
Monday, November 30, 2009
Vicious cycle of being lazy
If you are lazy, more likely you will be in the vicious cycle as shown above.
Spend more money for convenience
When you are lazy, you tend to spend more money for convenience. For example you may cab/taxi instead of bus/mrt, buying food nearby at a premium price for the sake of convenience.
Work more to earn more money
After spending unnecessary money, you may need to work more to earn more money to pay for your convenience.
Feeling tired after working long hours
Since you are working for long hours, you tend to feel very tired after work.
Become lazy
Since you are tired, you tend to be lazy again.
Sunday, November 29, 2009
I have created a new blog "Saving money in Singapore"
The blog url is http://savingmoneyinsingapore.blogspot.com/
Feel free to visit and comment.
Saturday, November 28, 2009
Why I invest in Cambridge industrial trust?
In my opinion, Cambridge Industrial Trust is a wonderful company. So far it has been giving good dividends ranging between 0.01 to 0.02 cents every quarter. Even during the recession period at year 2008, the dividends given are still very good. At the current price of about $0.40, its yield is about 10% per year.
From the company website, CIT invests in industrial properties such as logistics, storage and warehousing, manufacturing and showroom facilities all located across Singapore's key industrial zones. With this strong fundamental and high occupancy rate, I believe that this company will continue to do well.
Click here to see my other choice of stocks/ETFs.
"Branded" Bread is Expensive
However if you look at the price, normally it will cost about $1.20 to even $2 plus per piece. It is very expensive in my opinion. For those normal neighbourhood bakeries, the bread only costs about $0.60 to $1.20 each. Now I am thinking, are people just go for the "brand" and design of the bread, or the taste and value of the bread?
Let's say bread from a "branded" bakery costs $1.50, and you can get the same type of bread from the normal neighbourhood bakery at the price of $1.00. Assume that one month you buy 30 pieces of bread, "branded" bread will cost you $45, and the normal bread will cost you $30 in total. You can see that you can have a saving of $15 per month or $180 per year if you just buy the normal bread.
So are you going to pay a premium for "branded" bread? As for myself, I will just buy it from the normal neighbourhood bakery as lowering my expenses is part of my cash flow framework.
Friday, November 27, 2009
My stock strategy from now till 2010 (Updated on 27 Nov 09)
5 lots of Singtel (CPF) ==> Confirmed dividends of $310 (Dec 09)
5 lots of SingTel (Cash) ==> Confirmed dividends of $310 (Dec 09)
15 lots of SingPost (Cash) ==>Confirmed dividends of $187.50 (Nov 09)
25 lots of Cambridge (Cash)
My strategies:
My stock strategies are as below:
If Singtel reaches $3.50, I will sell 5 lots of SingTel(CPF)
If Singtel reaches $4.00, I will sell 5 lots of SingTel(Cash)
If Singtel reaches $2.65, I will buy another 2 lots of Singtel using Cash.
If SingPost reaches $1.25, I will sell 5 lots.
If SingPost reaches $1.50, I will sell 5 lots.
If SingPost reaches $1.75, I will sell 5 lots.
If SingPost reaches $0.90, I will buy 5 lots.
If Cambridges reaches $0.70, I will sell 10 lots.
If Cambridges reaches $0.90, I will sell 15 lots.
If DBS reaches $12.50, I will buy 1 lot.
If none of the prices as above are reached, I will keep all stocks for dividends.
Please take note that I am applying my rule No. 1, which is I do not try to predict the future. So I have planned for both market directions. I am also applying my rule No.3 which is "It's far better for other to buy an overvalued stock from you, rather than you buy an overvalued stock from other".
Thursday, November 26, 2009
I have achieved one-third of my targeted passive income!!!
Recently, I have started another new income stream(will keep it a secret at the time being). Although it didn't generate me too much passive income right now, but at least it already breaks the zero dollar barrier. I will focus more on this new income stream so as to increase my passive income.
Bought 13 lots of Cambridge on 26 Nov 09
Wednesday, November 25, 2009
It is cheaper to buy your necessities in bulks
This is what had happened two days ago:
I was trying to find the cheapest price for 6 x 250ml packets Milo drink. So I went to various shops to find out the price and here are the findings.
In supermart N, it cost me $3.80 for 6 packets, or $0.63 per packet
In provision shop A, it costs me $3.50 for 6 packets, or $0.58 per packet
In provision shop B, it costs me $3.30 for 6 packets, or $0.55 per packet
In provision shop B, it costs me $12.50 for 24 packets, or $0.52 per packet
First thing I realise is, different shop can have very different price for the same product. What surprise me is the price in supermart N, which is very expensive as compared to other provision shop.
Second thing I realise is, I can get cheaper price if I buy thing in bulk.
My next plan is to list out all the things that can be bought in bulk so as to lower my expenses on the necessities. Lowering my expenses is part of my cash flow framework.
Tuesday, November 24, 2009
Bought 12 lots of Cambridge on 24 Nov 09
Sold 4 lots of STI ETF on 24 Nov 09
Monday, November 23, 2009
Personal Happiness Index
First, we must list out all the events that you will do for a month.
For example.
Second, for each event, we have to state the value for the degree of happiness. The value is range between -1 to 1.
-1 means you are very unhappy when doing the event.
-0.5, you are unhappy when doing the event.
0 mean you are neutral when doing the event.
0.5 mean you are happy when doing the event.
1 mean you are very happy when doing the event.
For example:
Working (-0.2)
Entertaining (0.5)
Sleeping (0.3) (Value can be negative, if you always cannot sleep well due to some reasons)
Relaxing (0.5)
Third, we must know the total duration in minutes for each event done per month.
For example:
Working (14400min)
Entertaining (7200min)
Sleeping (14400min)
Relaxing (7200min)
Four, we will use the below formula to find out the happiness in each Event.
Happiness in each Event = Degree of Happiness X Time Duration
Working (-0.2) x (14400) = -2880
Entertaining (0.5) x (7200) = 3600
Sleeping (0.3) x(14400) = 4320
Relaxing (0.5) x (7200) = 3600
Lastly we will use the below formula to calculate the Personal Happiness Index.
Personal Happiness Index = sum of happiness in all event / 43200 min.
If the index is -1, mean you are very unhappy.
If the index is 0, mean you are neutral
If the index is 1, mean you are very happy
For example:
Happiness Index = (-2880 + 3600 + 4320 + 3600)/43200 = 0.2
0.2 means slightly happy.
Sunday, November 22, 2009
Signed up as a NTUC U Member
The reason why I signed up is because there is a wide range of member privileges and benefits which can help me save money.
The best benefit as a member in my opinion is the 4% rebates at NTUC FairPrice. Every year, I spend around $3600 on groceries. So 4% out of $3600 is $144. The rebate is already more than the membership fee. This is a no brainer reason why I signed up as member.
There are many other benefits and you may see it by clicking here.
GOLD VS SGD (20 Nov 09)
The closing price of GLD 10US$ has reached $112.360, and the USD/SGD is 1.3888 on 20 Nov 09. So if we multiple both the value together, we will get S$156.0456/GLD. In the beginning of 2009, I have calculate the value to be S$121.18/GLD. So GLD has actually increased by 28%.
But having say that, I am not a fan of gold is because it doesn't give me dividends. I treat it as a hedge for inflation. And one more thing, gold is not meant for shorting. Shorting gold has no meaning at all and you are exposed to high risk as you are dealing with both GLD price in USD and the exchange rate in term of USD/SGD in singapore.
Saturday, November 21, 2009
Reducing my expenses without affecting my quality of life
I will start in looking into my groceries list and see is there any thing that I can do to reduce the cost. I will
- Check whether is there any cheaper products that can perform equally well or even better than the current products that I always buy.
- Is there other places that offer better price for current products that I buy.
- Is there any unneccessary items that I will not need in my groceries list.
Another thing that I will look into is how I spend my money on food and drink. I always know that going out for meals in Singapore is always very expensive. For example, soft drink in coffeeshop will cost $1 plus. I found it ridiculous, as a can of coke from supermart is only $0.60. And also a plate of chicken rice in food court will simply cost $3.50, whereas some coffeeshop only sells it for $2.00.I have no target in the amount of money to save, but if I can acheive to save $20 per month it is already very good. Saving $20 per month is like increasing your passive income by $20. In order to increase your passive income by $20, I need to invest $4800 which give me a return of 5% per year. So which is easiler, reduce your cost of living or increase your passive income?
Choosing the best value chicken rice in my town
In my town, there are a lot of chicken rice store around. I have listed 4 chicken rice stores and their prices in the above diagram.
For coffee shop A, it is only 1 minute away from my house, but price of the chicken rice will cost 66.67% more as compared to the cheapest price in town.
For coffee shop B, it takes me 2 more extra minutes to walk as compared to the coffee shop A. The price of the chicken rice is 33.33% more as compared to the cheapest price in town.
For coffee shop C, its chicken rice price is the cheapest in town. But it will take me 5 minutes to walk and there are less meat in the chicken rice.
For Food court, it will make me to walk the most and cost me the most as compare to other coffee shop.
After the comparison, I declared that coffee shop B has the best value. Walking a bit more to save an extra $0.50 is definitely more worthwhile to me. Just to highlight a point here, cheaper doesn't mean better value.
My choice is inlined with My Cash Flow Framework , under Expenses(Reduce Liabilities).
Friday, November 20, 2009
Investing is boring
Investing should be as boring as possible so that you are not emotionally affected by the price changes everyday.
I found myself no longer look at the dow future and charts. Instead, I would spend some time searching for other quality, high dividends and value stocks to be invested next time.
I finally understand what Warren Buffett meant by "Only buy something that you'd be perfectly happy to hold if the market shut down for 10 years."
Wednesday, November 18, 2009
What is debt free status?
Debt free does not mean you do not have any debt. As long as your passive income is more than all your debts, then you have already obtained your debt free status. So try to cut down on unnecessary bad debt and build up your passive income. Sooner or latest, you will be able to achieve your debt free status.
I have already achieved my debt free status, and will slowly gear toward financial freedom.
Tuesday, November 17, 2009
My stock strategy from now till 2010
5 lots of Singtel (CPF) ==> Confirmed dividends of $310 (Dec 09)
4 lots of STI ETF (CPF) ==> No confirmation yet.
5 lots of SingTel (Cash) ==> Confirmed dividends of $310 (Dec 09)
15 lots of SingPost (Cash) ==>Confirmed dividends of $187.50 (Nov 09)
My stock strategies are as below:
If Singtel reaches $3.50, I will sell 5 lots of SingTel(Cash)
If Singtel reaches $4.00, I will sell 5 lots of SingTel(CPF)
If Singtel reaches $2.65, I will buy another 2 lots of Singtel using Cash.
If SingPost reaches $1.25, I will sell 5 lots.
If SingPost reaches $1.50, I will sell 5 lots.
If SingPost reaches $1.75, I will sell 5 lots.
If SingPost reaches $0.90, I will buy 5 lots.
If DBS reaches $12.50, I will buy 1 lot.
If none of the prices as above are reached, I will keep all stocks for dividends.
For ETF, I have no plan to buy in more or sell away in the near future.
Please take note that I am applying my rule No. 1, which is I do not try to predict the future. So I have planned for both market directions. I am also applying my rule No.3 which is "It's far better for other to buy an overvalued stock from you, than you buy an overvalued stock from other".
Monday, November 16, 2009
My Quotes/Rules of Investment
Rule no. 2: Don't forget the first rule.
Rule no. 3: It's far better for other to buy an overvalued stock from you, rather than you buy an overvalued stock from other.
Rule no. 4: Ignorance is not a good reason for losing money in the market, however having no discipline is.
Rule no. 5: For a wonderful company, be delighted when its stock price falls, be regretted when its stock price rises.
Rule no. 6: Slow and steady will definitely win the race.
Rule no. 7: You can never find it easy to catch a butterfly unless you have a big net.
Bought 3 lots of Singtel on 16 Nov 09
DBS is getting speculative. The yield is less than 4% based on the current price. That is why I quickly sold it away. I will consider buying it again if its yield is more than 4.5%. Singtel however is having a better yield. I estimated it as more than 4.5%. It is not as speculative as DBS, as you can see the price movement of DBS is very fast. Singtel price is slow and steady which is what I like as a defensive stock.
Saturday, November 14, 2009
Investor, Traders and Speculators Charts
There are basically three types of player in the stock markets. They are the investors, traders and speculators. Because of these different types of player, the pattern of the charts will keep on changing.
One very good example for speculation is the above crude oil chart. You can see
Friday, November 13, 2009
SingPost is a wonderful company to invest in
The below dividend diagram is what I get from the Singpost Website. You can see that from FY02/03 to FY08/09, the dividend has been increased. Even during the market crash period, the dividend payout is not reduced. If the total dividend for FY09/10 is 6.25 cents, then is yield is about 6.5% (based on the bought in price of 0.95 cents).
I will accumulate more SingPost shares if it happens to drop to 0.9 cents. If not, I will not be buying any more.
Thursday, November 12, 2009
Bought 2 lot of Singtel on 12 Nov 09
Let assume Singtel is giving 7.6cents(10% more than 6.9 cents) for Aug 10, then the total dividend for the year will be 6.2+7.6 = 13.8cents. So based on the price I bought today, the yield will be about 4.7% which is not a bad deal to me.
Wednesday, November 11, 2009
Sold 1 lot of DBS on 11 Nov 09
This year, DBS is giving 4 x $140 dividends per lot. If based on the current price (about $14) , it is about 4% yield. I feel that 4% yield is not very attractive to me even though it is a good stock with potential to go up. My profit is about 6.9% based on the price I bought. So instead of waiting for one year, I already get 6.9% gain immediately by selling today. I have freed this amount of money so that I can buy other value stocks.
If it happens that DBS shares drop to $12 per lot, I may consider buying again.
If it happens to remain at the current price or go up, I will not buy again unless the value goes up.
Please don't mistaken me as a trader. I am not a trader and I don't depend on chart any more. I am a simple investor who just go for value and price.
Tuesday, November 10, 2009
Buying stocks based on price and value
Sun Tzu said, "The general who wins the battle makes many calculations in his temple before the battle is fought. The general who loses makes but few calculations beforehand."
That is why I always based on price and value and do my own calculation before buying stock See below for the formula that help me to know when to buy stock.
Price is the current price of the stock.
Value can be capital increase or dividend given from the stock. It will be very hard to estimate the capital increase of the stock, but it is easy to identify which are the stocks that are giving regular dividends. I always look for stocks with good fundamentals that give regular dividend even during the recession time. These stocks normally go up and down at a slow rate which is what I like. To me it works like fixed deposit. Click here if you are interested in my choice of stocks/ETFs.
Target return is the minimum amount of return you want to see when you invest in a stock. For example, if you set it at 5%, then every year you will expect to get 5% return from your stock. I will only buy a particular stock when the result of the formula is greater than my target return.
Example 1:
If a stock is giving dividend of $0.05 per year and the current price is $2, then the return will be 2.5%. So if my target return is 5%, I will not buy this stock at the current price.
Example 2:
If a stock is giving dividend of $0.1 per year and the price is $1.00, then the return will be 10%. So if my target return is 5%, I will definitely buy this stock at the current price.
Monday, November 9, 2009
How long does it take me to reach a passive income of $3000?
Bought 3 lots of SingTel on 9 Nov 09
Sunday, November 8, 2009
My Cash Flow Framework
I will concentrate on increase my monthly income and find other income sources.
I will identify what are the necessities and try to reduce my liabilities.
I will split my saving into two portions. One portion will go into my investment, and the other portion save inside the bank.
Buying Asset:
I will identify what shares or ETFs to buy, and plan out a strategy on when to buy.
Passive Income:
I will use the dividends for reinvestment.
Some of my favorite quotes from Warren Buffett
2)If a business does well, the stock eventually follows.
3)Only buy something that you'd be perfectly happy to hold if the market shut down for 10 years.
4)Only when the tide goes out do you discover who's been swimming naked.
5)Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.
6)We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.
7)You only have to do a very few things right in your life so long as you don't do too many things wrong.
8)Price is what you pay. Value is what you get.
Saturday, November 7, 2009
Things to avoid in stock markets.
1) Contra
Contra is a method of buying stock without having to pay for it. The catch is you have to sell your stock after certain number of days, normally is 3 days. If the stock price goes down during the 3 days, you will be force to sell and lose money instantly including commission.
2) Shorting
Shorting is a method where you sell a stock without owning it, and after some time you buy it back. The difference between the buy price and sell price is what you gain or lose.
Why avoid shorting?
- The maximum gain from shorting a stock can never be or exceed 100% of the share price. For example, you short a stock at $1, and you buy back at the price of $0.005, you will gain $0.995, or 99.5% gain.
- Using CFD is one of the proper way to short a stock. CFD stands for contract for difference. CFD will incur cost when you borrow shares to short, normally is about 5% or more PA on top of the commission. You also need to pay commission every month if you intend to keep the short for long. If trading is halt for the company, you will be stuck with your short and you still have to pay interest.
- If the shares are giving out dividends, instead of receiving the dividends, you have to pay out the exact amount of dividends.
3) Leveraging
Leveraging means "buying" of stocks by paying only a certain percentage of the total stock prices. Currently CFD is one of the facilities that provide leveraging. For example, your total stock cost is $10000, if the leveraging is 20%, than you need to pay only $2000. This is very risky. In case, your stock value fall by 50%, your loss will be $5000. In that case, you have to top up additional $3000 to pay for the losses. My advise as a investor is don't ever use leveraging, as it can cause you to become bankrupt if you are not careful. Just imagine, based on my example just now, what if you do not have the additional $3000 to pay for the losses? And also remember that using CFD will require you to pay interest and commission every month as you don't physically own the stock.
These three things are normally used by trader for short term gain. Unless you are one of the top best traders, if not you should avoid these things and invest normally. I always look at long term recurring gain rather than short term gain.
Friday, November 6, 2009
Bought 5 lots of SingPost on 6 Nov 09
Thursday, November 5, 2009
Reinvest money from passive income
As you can see, my passive income has almost reached $850 per month, which means about $10K per year. I will be using this money to reinvest in stock/ETF. Assume I get 5% dividend from the $10K, which is calculated to be $500 or about $40 per month. In that sense, for every year my passive income will at least increase by $40 per month. As I am applying the power of exponential here, the increase in passive income per month will be higher for each year.
Let say my saving for one year is $20000(just a figure that I put in for demonstration), and I use it for investment. That will give me $80 per month.
So in total, my passive income will increase $40 + $80 = $120 per month every year.
I am waiting for STI to be 2500 or 2800 before I will invest again. So for now, I will relax myself and focus on other things. Having a peaceful and undisturbed mind and a winning strategy are keys to successful investment.
Wednesday, November 4, 2009
I am not going to subscribe the UOB China A-Share exchange-traded fund.
Although I am in favorable of China economy, I have decided not to put any money into this UOB China A-Share exchange-traded fund. Always invest into something you know. If you unsure, don't put any money in.
STI Chart looks bullish
The STI chart looks bullish and a good time to buy since the graph has touched the lower trend line. Of course like I always say, market cannot be predicted.
Bought 10 lots of SingPost on 4 Nov 09
Tuesday, November 3, 2009
My strategy in investing stocks.
Using averaging strategy, I will buy at equal amount at each hundred level of the STI index. For example, when STI reaches 2700 I will buy some, STI reaches 2600 I will buy some, STI reaches 2800 I will buy some. I must maintain a discipline not to overbuy at each level. In my planning, the lowest level will be at 1000.
In that sense, I won't be worrying about uptrend or downtrend of the market. Dividends are what I am targeting, so a strategy that can restrict my loss to 50% is very important.
Monday, November 2, 2009
Bought 2 lots of Singtel on 2 Nov 09
Sunday, November 1, 2009
My Stock and ETF Choices
2) Singtel
4) Singpost
5) STI ETF (this is ETF which track STI index)
6) Cambridge
If you are a Singaporean, which company from (1) to (4) you are unsure of? Even you ask a primary school kids, he or she can roughly tell you how these companies make their money. I will only buy company that I know and understand what they are doing.
They may not be the best performance stock but I consider them as very safe stocks/ETFs in my opinion. I choose them is because they give regular dividend and they give me a peace of mind after buying them for long term.
The reason why I include STI ETF is because only 35% of the investable OA CPF money can be use to invest in stock. I will use the rest of the investable OA CPF money to buy STI ETF. I don't buy Unit Trust as they seldom or never give out dividends, and also their management fee and sale charge are quite high in my opinion. STI ETF in the past has been giving good dividend in my opinion.
Upgraded my computer from Windows Vista to Windows 7
Saturday, October 31, 2009
Dow crashing 250 points, after rallying 200 points the day before.
In the past, I definitely will not have a peace of mind when I see dow crashes. One of the reasons why I cannot have a peace of mind is because I invested too much at one go, hoping the markets will go up from the day I invested. This is a wrong thinking. Two days ago, I have added 2 lots of STI ETF in my portfolio, and I am not afraid of losing that money.
In another thought, I really hope that STI will drop below 2400 again so that I can buy some more. I have my own winning plan, so I just follow it without any fear. My advice to all the investor is to stop trying to guess the markets. Plan for your strategy and follow it strictly and fearlessly.
Friday, October 30, 2009
My Passive Income (30 Oct 09)
For my cash, I will not be targetting any Singapore Shares. I am interested in the China A Shares ETF which is going to launch soon. I will slowly invest in this ETF. I will do up another post why do I want to invest in this China ETF.
Thursday, October 29, 2009
Do you have a peace of mind after buying shares?
1) You are speculating. You buy because the shares keep going up without reasons, hoping that the shares price will go up somemore.
2) You are buying shares of the companies, without even knowing the fundamental of the companies. You buy just because of the influence of the analyst, your friends or colleagues.
3) You are using someone else money.
4) You are using money that you cannot afford to lose.
5) You invest too much money at one time, and left no more money to invest when market goes down again.
6) You are leveraging. There is a possibly to lose more than your initial investment amount.
Bought 2 lots of STI ETF on 29 Oct 09
Sunday, October 25, 2009
Why I prefered to become a investor rather than trader?
I preferred to be a investor due to the following reason:
1) I am not a TA expert for short term (I try to learn for one year, but the chances of success is still 50%). I don't think I can predict stock better than a kid who is just merely guessing.
2) I want to have a stress free mentality when it comes to buying stock. I prefer to buy and hold for good stocks for dividend rather than trading speculative stocks for short term gain. Receiving constant dividend is a source of passive income. Trading for short term gain is a type of gambling. The more stocks I buy, the more dividends I get, that's why my passive income is increasing. With this in mind, I can sleep well every night.
3) I rather spend more time to do other thing that can increase my active or passive income, than mindlessly looking at the prices of the stock jumping during trading hours. Reminder time is money. There is no need to keep track of other thing like the Dow Jones future.
4) Trading need to pay a lot of commission for buying and selling. If one trade is $30, ten trade per month already $300. That money can be better used for long term investment.
5) I have constantly saving part of my income for investment. Together with my passive income, I can buy any time when there is any correction from the market.
Lastly Sun Tzu said, "The best outcome for war is to win without fighting". I am currently following my winning plan with ease and stress free.
3rd quarter 2009 residential price index
URA has released the 3rd quarter 2009 real estate statistics. Click here to go to the URA website. I have done a snapshot of the chart on the residential price index. I draw a blue line to see whether there is any trend. Will the index goes up some more? Is now the best time to buy property?
My housing loan
If you can see at below my blog, my housing loan monthly payment is $400. My wife is actually paying a lot less than me. I manage to gain $167.60 (from interest and dividends) from my OA account. Remember the OA account currently give you 3.5% interest per year for the first $20000(cannot use for investment). That alone already give me 0.035x$20000 = $700 per year or, $58 per month. Other amount are from the dividends. I look at passive income and not capital gain or loss when it comes to investment.
I am currently paying $400-$167.60 = $232.40 per month for my flat. That will mean that I can save more OA amount to be invested next time. By following this cycle, sooner or later about 3 to 4 years, my OA passive income will eventually reach $400, and my house is free!!! See my cash flow diagram for reinvesting passive income.
You may want to find out more about whether it is better to take 15 years or 30 years housing loan here.
STI Index movement Prediction (Oct 2009 to 2011)
Saturday, October 24, 2009
Looking for new blog template
STI INDEX (Comparison between 1998-2000 and 2008-2009)
I have done a comparison for STI index between 1998-2000 and 2008-2009 period. You can see that there are a lot of similarities in it. By looking at the picture above, we are in the last phase of the bear rally?
Friday, October 23, 2009
Cash Flow Diagram
Cash flow is basically what you get after deducting your expenses from your pay. Those people who have a lot of liabilities are more likely to have less cash flow or even worse, negative cash flow. Remember in my last post, I say reduce your liabilities and increase your assets is the way to be rich!!! I have put part of the money in cash flow to saving and another part into buying assets.
Re-investment of money received from the passive income is very important. By doing that you can compound the growth of your money . If you do it properly, you can achieve financial freedom faster.
I also draw out My Cash Flow Framework , which has more details than my cash flow diagram.
My Passive Income (23 Oct 09)
I managed to increase my passive from $ 600 to $761.00. My target is $3000, so that mean that I need to achieve $2239 more. I am glad that I am 25% there.
Thursday, October 22, 2009
S&P(2007 to 2009) VS NIKKEI (1990 to 1992)
I have tried to align the chart for S&P500 (2007 to 2009) and NIKKEI(1990 to 1992) chart. Can you see the similarity? Guess what will happen to S&P500 in the next few months.
China A-Share exchange-traded fund
US Dollar Index down & S&P down (21 Oct 09)
Wednesday, October 21, 2009
US Dollar Index analysis (21 Oct 09)
By looking at the weekly chart of the dollar index, there might be some rebound from now. Question is will the dollar index in the start of the new bull run? We shall see in the next few week.
Tuesday, October 20, 2009
Why I use S&P500 to find out market direction?
EUR/USD 10 years chart
S&P 500 daily chart (Nov 08 to Oct 09)
The above S&P 500 shows that we might be hitting on the resistance line (blue line). The index keeps increasing from Sep 09 till now, but the volume keeps decreasing. So is it dued for a correction soon?
Let us looks at the weekly chart, S&P 500 is going to hit the major resistance line (blue straight line). You can see that the index is increasing with volume decreasing(see red line).
With these two charts, do you think the index will still go up without any major correction? I remembered what Sun Tzu say, if the odd of winning is low, don't bother to fight. So do you want to risk by buying up now?
Sunday, October 18, 2009
True value of S&P 500 based on dollar index (1988 - 2009)
Taiji Symbol VS S&P 500 (25 years chart)
The above is the 25 year chart for S&P 500
Based on my Taiji Symbol analysis:
Red portion: Body of white fish
Blue portion: Eye of white fish
Green portion: Head of white fish
Yellow portion: Tail of black fish.
So what is next? Will body of black fish come next? If that happen, the index may break 600, and that is terrible.
There is a Technical Term called "M pattern" which is showing in the chart and that is a very bearish pattern. After "M pattern" it will be followed by a "V" pattern up (Currently forming), and next will be a "A pattern" down.
Saturday, October 17, 2009
Taiji Symbol VS US Dollar Index
In the last post, I have said that Taiji Symbol is my favorite symbol. For this post, I am using Taiji Symbol to analyse US Dollar Index. US Dollar Index is the measurement of US Dollar value compared to other major currencies. It is important for non-US investors to know this index when they invest in US stock markets. Why? If their stock goes up 10%, but dollar index goes down 10%, basically they are not making money.
Red highlighted portion of both charts represents the tail of the black fish in Taiji symbol. The index started to weaken slowly at this stage.
Blue highlighted portion of both charts represents the body of the black fish in Taiji symbol. The index falls a lot at this stage.
Green highlighted portion of both charts represents the eye of the black fish in Taiji symbol. The index starts to rebound strongly at this stage.
Grey highlighted portion of both charts represents the head of the black fish in Taiji symbol. The index will again fall at this stage. It is hard to tell whether will it break new low but the fall is significant.
The two charts above show my two predictions. The first prediction shows that Dollar index will go up very soon (starting the tail of the white fish). The second prediction shows that Dollar index will still go down (continue the head of the black fish) and break new low before it will go up.
Friday, October 16, 2009
Taiji Symbol VS S&P 500 Chart (Sep 07 - Oct 09)
The above shows the S&P chart from the start of current bear market to now. For Oct 07 to May 08, signified the start of the bear market(tail of the black fish of the Taiji Symbol). For May 08 to Mar 09, signified the bear market is in the mid stage(body of the black fish). For Mar 09 to now, signified that some recovery on the way(Eye of the black fish). My guess the last stage will be a downtrend that will bring the index lower than Mar 09(Head of the black fish). This is just my own interpretation, so there is no right or wrong for it.
This symbol tells me that everything will have a slow start, accelerated growth and peak. Remember the important point is slow start, whether it is a bear or bull market. If you can identify the start points, you will be slowly be rich. For market that goes up or down too quickly, there will be a reverse in direction in no time. If you see that, it is important to clear your postion(whether long or short) before the reverse in direction.


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Wilson Combat +2 Magazine Extension and Nordic Components Clamp from mnhoj from Remington 870 Forum:
wilson combat
Remington 870 Wilson Combat Magazine Extension Tube Review
Thanks to Synchronizor for this review. You simply cannot find more in depth review of Wilson Combat (Scattergun Technology) extension. This is very detailed, indeep review of Remington 870 Wilson Combat Magazine Extension. You can read previous review here: Remington 870 +2 Magazine Extension Review
Wilson Combat Scattergun Technologies +2 Mag Tube Extension Kit
Wilson Combat Scattergun Technologies +2 Mag Tube Extension Kit
Photos from 12GAfun from Remington 870 Forum:
Remington 870 Tactical with Wilson Combat +1 Extension and TLR-1S
Remington 870 Tactical with Wilson Combat +1 Extension and TLR-1S
quincy07 posted updated pics of his Remington 870 Tactical with Wilson Combat +1 Extension and TLR-1S on Remington 870 Forum:
How to Change a Remington 870 Safety Video
I have posted an instructions and video on How to Change a Safety on a Remington 870 Shotgun some time ago: Remington 870 Safety Replacement.
and How to Change a Remington 870 Safety Video
This is updated video in HD format.
Remington 870 Safety, Wilson Combat (Scattergun Technologies), S&J Hardware, Vang Comp Systems
The Remington 870 is an adored pump-action shotgun that is used by hunters, police officers, target shooters, competitive shooters, and military officers. But like any good weapon, it needs to have a suitable safety button that someone can switch on and off in a moment's notice. You don't want to have the risk of not being able to push the button fast enough when you're in a hurry or desperate situation. The factory safety button that comes with the Remington 870 is a perfect example of this. A lot of owners claim this factory safety button is too small for their fingers, which causes them to waste precious time by having to bring the button close to them and push down hard on it. If you're in a combat situation or need to shoot something quickly, you must be able to keep your hand on the handle while disengaging the safety at the same time. This can be done with your thumb if the safety button on the weapon is big enough.
All of the available oversized safety buttons are made for right-handed shooters only, check following article if you are left-handed: Left Hand Safety for Remington 870
Tip: Add some oil on the new safety button for smoother work when replacing factory safety button.
Wilson Combat Remington 870 – Standard Model
Custom Remington 870 Shotgun: Wilson, Vang Comp, A&P, Nighthawk…
SCATTERGUN TECHNOLOGIES™ TRAK-LOCK® Ghost Ring Sight System
Eros from Italy have installed SCATTERGUN TECHNOLOGIES™ TRAK-LOCK® Ghost Ring Sight System on his Remington 870. You will find out how to install Scattergun Technologies ghost ring sights and what advantages they give you.
Please note that installation of the SCATTERGUN TECHNOLOGIES Ghost ring night sights requires receiver drilling and tapping.
Remington 870 for Home Defense
Michael, thank you for the great photos and information about your Remington 870 Wingmaster.
Sling for a Remington 870 Shotgun (Wilderness Giles Tactical Sling)
This is a review of the Wilderness Giles Tactical Sling. It is very convenient 3-point sling and has a lot of different options you may choose when ordering. For example, you may choose a sling for your stock type (SpeedFeed or Factory stock), or add a right-hand or left hand side-attachment plate sewn-in. Wilderness Giles Tactical Sling is available in 3 colors (Black, Wilderness Coyote or Wilderness O.D.). Also, you may add a quick-release buckle and a Slimline Sling Pad to your new sling.

subset: commoncrawl


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A few Problems To Watch Out For in Global Projects
With the many jobs now being conducted on a global size by intercontinental organisations involving diverse groups working in numerous spots and around diverse countries it may be unsuspecting to expect the task to be problem-free and run smoothly all the time. With people involved via a range of ethnical backgrounds and with inherent language barriers such global projects happen to be bound to encounter issues a few level. In a few tasks ethnical variations could cause continuous problems during the life-cycle of the project. Even wherever groups have employment with the same international organisation when using the same corporate and business culture, the neighborhood cultural dissimilarities at a level will impact the progress for the project. Global projects may be, and will be, successful mainly because they use the most appropriate expertise that are obtainable inside the the majority of cost-effective method. But it is significant to know the areas which have been likely to cause problems over and above the conventional concerns found in all projects if you are planning a worldwide project, or are already concentrating on a person. Actively control these kinds of issue areas and your project will probably be successful.
1. Different Places & Timezones
Project affiliates working in a similar location can quickly sort out little challenges just before that they become big problems mainly because they can easily quickly discuss personally and do not really have to rely as well heavily in email messages and digital discussion boards or perhaps discussion boards. That they are practically all at work in the same time and do not have to program interactions nonetheless may expect to have an improvised conversation when ever needed. If you team is normally not co-located then ensure that there is usually in a minimum of a a couple of hour period every working day when all of the team users is available bu mobile phone or perhaps email. Depending on the relevant period zones this could possibly mean that one group need to adjust all their normal working hours simply by starting previously, or perhaps final in the future, than normal. This kind of basic modification could be a key element factor in preventing complications with many sections of a task.
2. Ethnical Distinctions
Couple of of all of us really appreciate a completely different tradition and their distinct attitudes to work. Meritocratic working surroundings do not really are present in every country so attitudes to senior management, managing of challenges and top quality of operate could be totally different. No qualtity of very careful wording of contracts may mitigate created cultural attitudes. Recognise this is a issue that wants to end up being fixed right from both equally sides approaching collectively and not via just one particular side of the ethnic divide changing. We can all find out something right from different performing practises and attitudes and so try and steer clear of challenges purchasing a new most parties express and doc their expectations of each additional.
3. Vocabulary Boundaries
In many global tasks the key persons communicating vital messages regarding the project will be doing and so in the same words. But that terminology is normally impossible to be the mother tongue of those involved and this kind of can result in unawareness. Spoken and drafted sales and marketing communications are both areas that may cause belief and a failure to grasp important details. Native speakers should certainly use very clear, simple terminology when communicating with others with respect to whom the chinese language is a secondary language.
4. Motivating The Groups
A global job administrator always requires to concern feedback to teams on the style and quality with their work. Any dis-satisfaction with the work has to be voiced early on so that expected values are obvious and the expected normal can be reached above time. It is essential that the global project supervisor understands what inspires each staff and its particular individuals as well as how to offer useful critique targeted at strengthening do the job alternatively than just outright complaint. Speaking actually and freely with affiliates early in relation to definitely will show distinct triggers of inspiration and, for the reason that the project progresses do not forget that one of the many methods of inspiring people is usually to basically give thanks to these people intended for the work they have done.
5. Reporting
It is necessary not only that job is performed to a good enough (or, certainly, better than satisfactory) level but likewise that do the job progress and status is usually clearly and accurately reported. Reporting requirements are very likely to change from local to global level but that is important that all accounts actually supply information needed by the person(s) just for to whom the report is supposed.
It is usually just through knowledge that the task administrator will develop the understanding and capabilities to deal with the certain conflicts of global task management. Fore more information examine here fpzsgroup.com .
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- Description
- Man's best friend may have a little competition when you bring home this set of four adorable paw print studs! Crafted with only the highest attention to detail, these studs are a traditional silver color and will serve as a daily reminder of the joy and affection that await you at home whenever you wear them. Spice up your next formal event with your favorite dog cufflinks and these paw studs.
Designed by Baade, Made in the USA.
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Orders placed before 3 pm EST ship out the same day.


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Zurich Salvatore Esposito and Brian John McCormick were married Aug. 10 at the Arts Club of Chicago. The couple's nephew, Christopher McCormick, an ordained minister of the World Christianship Ministries, officiated.
Mr. Esposito (left), 52, is the executive vice president of AIA Chicago, the Chicago chapter of the American Institute of Architects. He holds a master's degree in historic preservation from the School of the Art Institute of Chicago.
He is the son of the late Elizabeth Giger and the late Salvatore Esposito, who lived in Hinsdale, Ill. His mother was a commercial artist, teacher and journalist. His father was a news director for WBBM-TV, Chicago's CBS affiliate.
Mr. McCormick, 59, is an eighth-grade humanities teacher at Burley School, a Chicago public elementary school.
He is a son of Thomas J. McCormick of Burr Ridge, Ill., and the late Marcia A. McCormick. His father, now retired, was a marketing executive in the Chicago office of IBM.
The couple met at a gym in Chicago in September 2001.


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After my failed attempt at making Fortune Cookies resulted in Fortune Crepes,I decided to take a break from baking for a bit. Since there were no non-vegetarian items at home, I followed this recipe featuring vegetables only.
Buttered Vegetable Medley
1.baby corn
2.red and yellow capsicum
3.an onion
7.olive oil
9.soya sauce
1) Slice the baby corn into halves lengthwise. Put in water and boil. Take a bite of the baby corn to test whether the corn is boiled enough for you .
2) Mix cornflour and water in a small bowl so that it forms a semi-solid mixture.
3) Heat up oil in a frying pan. Dip each piece of paneer into the mixture and then fry it in the pan. You'll know that the paneer has been friend, when it turns slightly brown. Keep the fried paneer aside.
4) Cut up 3/4ths of one red capsicum and 3/4ths of one yellow capsicum. Chop one large onion.
5) Add olive oil to another frying pan. Then add around 21/2 tablespoons of butter.
6) Tip in the chopped onion and fry until the onion becomes more translucent. *I love the smell of onions frying in butter*.
7) Add the capsicum to the pan and fry until you can see the pieces changing colour.
8) Stir in the baby corn, and then add the paneer.
9) Add a teaspoon and a bit of soya sauce. Stir over all the vegetables and paneer. Make sure that the sauce covers everything. You can add some extra butter if you want.
10) Sprinkle a pinch of ajinomoto and a pinch of pepper.
11) Stir for another minute or so and then serve.


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Oh, sweet brother, we heard you then and now. Our souls reverberate forever from the power of your songs, we were moved, awestruck, and the magic of the love flowing from the vessel you brought to us, and gathered us within, reaches the most distant stars, returning again and again. Until the next time....onelove.
Tuesday, April 23, 2013
Oh, what you gonna do about me?
Posted by bholanath at 6:51 PM
4 comments:
- April 26, 2013 at 3:29 PM
I do not know how to do the part where videos are shared, but there is a youtube video of my brother Ritchie singing How Can I? with Steve Howe. The wife still wants to know how I can produce that many tears, I tell her you had to be there, still my job.
- April 30, 2013 at 5:22 PM
So sorry, Steve Hackett.
- April 30, 2013 at 5:23 PM
- bholanath said...
that's awesome, many thanks!
- May 1, 2013 at 8:34 AM
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So great ready, because it all starts next week! NTC Week will super charge athletes with a series of two-a-day workouts and live events. Get your sweat on in the morning with a workout that you select in your home or you gym and THEN work it out with a Nike Trainer and your NTC community in the afternoon or evening. CHICAGO, keep an eye out for workouts across the city with your Nike Trainers! Make sure you save the date on Saturday, January 25th to workout with ME and fellow Master Trainer, Emily Hutchins, at a secret location! Details for now are still underwraps but SPOILER ALERT – we're going to kick your ass.
You don't have the app?! Could you be more annoying?! Get it immediately! With over 100 workouts, customizable 4-week plans, and exclusive athlete spotlights you have NO excuse NOT to move. This full-body app will cater to any level of fitness so do NOT be intimidated. Start where you are. Set realistic goals. Do NOT give up. And ENJOY the benefits both inside and out. Track your progress with the hashtag #NTCfit
Chicago chicks: Are you still mourning the closing of NTC Lincoln Park? Turn that frown upside down. Pick up your club card at Nike Running in Bucktown or Nike Chicago to keep your sweatfests going! Shred415, Barre Bee Fit, Flywheel and DePaul offer NTC and high intensity classes that can be taken advantage of up to FOUR times a month!
Join the club, b*tches. Big things are headed our way!
Images via: Nike, Shred415 and Emily Hutchins


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Every so often I've come across vintage pictorial letter cards, but generally they seem to be in fairly poor condition as they are made of much thinner and delicate material than a postcard. However, I found the 2 below in reasonable condition, so have decided to share thm here.
I had planned to scan each picture of the card and document it individually but have run out of time tonight. As always, check out my web site for these and other vintage postcards for sale


text: We've all heard the Aesop Fable about the Tortoise and the Hare. A hare ridicules a slow-moving tortoise until the tortoise challenges the boastful rabbit to a race. The hare soon leaves the tortoise in the dust, and is so confident of winning, he stops to take a nap. However, when the hare awakes, he… Continue Reading


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Student Spotlight
Leah L.
Leah is, without a doubt, one of the strongest people I know. I've watched her in her battle with Lyme Disease dealing with migraines and constant convulsions while she controlled her voice absolutely perfectly. Despite how sick she's been, she still comes to lessons and has an amazing attitude. I don't think I've once heard her complain or feel sorry for herself. As a child, she had vocal nodules but has recovered and sings with a stunning voice reminiscent of Adele's. Most recently, she's been accepted into the Creative Worship team at Orange Lutheran, something she's been working at for a while, and we couldn't be happier for her!
Q & A with Leah
MM: What are some of your favorite hobbies, outside of music? Favorite school subjects, books, movies, shows, sports?
LL: My favorite subjects at school are math and science. I am really interested in the medical field, so math and science are really fun for me. I'm not a big reader (much to my mom's dismay), but I did really like the Wonder Series when I was younger. I don't get to the movies often, but I'm OBSESSED with Grey's Anatomy and Bones tv shows. I used to be a gymnast and a volleyball player but had to give them up because of medical issues, but I do enjoy watching those sports.
MM: How did you get started with music, and how long have you been singing?
LL: I got started with music when my mom encouraged me to do singing lessons as a little kid. I have been doing singing lessons off and on since elementary school. The difference now is that I have the time and more interest to take lessons more seriously.
MM: What have been some of your favorite performances, and why? How do you share your music with others, beyond recitals?
LL: I have only been in one recital, and I forgot all the words to my song, haha. But this year in school I am on the Creative Worship team at my high school (leading praise and prayer during Chapel once a week) so I will get the chance to sing in front of the school at Chapel! I'm really excited about that, it's been a goal of mine for years.
MM: What makes you keep up your practice, and what are your goals?
LL: I keep practicing because I really enjoy singing, and I have been given the gift of a good singing voice. As a Christian, we are taught to pursue the gifts God gives us, and my voice is definitely one of my gifts. It's also an outlet for me, especially when I'm not feeling well. My goal of making the Creative Worship team was achieved, so I guess it's time to figure out my next vocal goals!
MM: Who are a few bands/artists that have inspired you, and why?
LL: An artist that really inspires me is Adele because I have a lower raspier voice, so I feel like her songs and her tone and style go well with my voice. I also really like Lauren Dagle and Ed Sheeran and anything country, especially by Luke Bryan.
MM: What are some of your favorite songs, and why?
LL: Some of my favorite songs are "O Lord," "Amazing Grace," "To Make You Feel My Love," and "Chasing Pavements." Those songs have a really good beat, and I just really like them. I also have a special place in my heart for the old Christian hymns. My dad would sing me to sleep with them as a young child, so there's a lot of nostalgia there. I love them.
MM: Can you share about a technique, skill, or song you struggled with, and how you are overcoming or have overcome it?
LL: I have a lower voice, so trying to sing anything high is pretty hard for me, but if I do voice exercises it makes it easier to sing better.
MM: I know you dealt with vocal nodules as a kid. Can you talk a little bit about what that was like and what the recovery was like? Does it currently impact your singing at all, or is that all in the past?
LL: My vocal nodules made it hard to sing when I was younger because I would lose my voice easily. Now, I still lose my voice, but more like after I've been to a really good baseball or football game or pep rally at school and am screaming loud, but it doesn't affect my singing anymore.
MM: I know you're currently battling Lyme Disease and have had to deal with everything from migraines to convulsions. You've been able to perfectly control your voice during all that, which is amazing to watch. Is there anything you focus on to make that happen? What's going through your head, and how are you able to do it?
LL: Yeah, I've had a rough number of years with health issues. I've had to give up all my sports because of it, but that also gave me the time to pursue singing, so I guess that's a blessing that I didn't expect when I was first getting sick all the time. When I'm not feeling good or when I had those involuntary muscle movements (praise Jesus those are in my past), I just focus on singing and let God take over. When I focus on the singing, I don't think about anything else, and it is nice to take my mind off of medical stuff I'm dealing with.
MM: Congratulations on getting into Creative Worship! What was the audition process like? What are you most looking forward to? How did you decide that was the group you were most interested in?
LL: Thank you! I'm SO EXCITED about that! The audition process was to sing a song and then to sing the harmony to the song to the teachers/directors of the music program. I chose Creative Worship over Honors Choir because CW leads worship to the student body weekly. I take my relationship with Christ seriously, and it's a way for me to engage with my peers using my gifts, plus I love contemporary Christian music.


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They say that breaking up is hard to do, but when it comes time to part ways with your PR agency, it doesn't have to be tough going.
Whether you've had a long-term relationship or have just completed a short project you can split with grace and on good terms; no matter the cause. And, it makes sense to 'remain friends'; chances are the two parties will cross paths again. A good break up will eliminate much awkwardness going forward and create positive karma, all round.
Firing dos and don'ts
- Do keep communication channels open. Frank, honest discussion when issues arise can resolve most misunderstandings and may render a firing unnecessary.
- Don't burn bridges. On several occasions I've had clients come back after some time apart. This can result from a change to the team, a new priority or crisis, a new budget or some other reason. The point is this: in business it's always a good idea to keep your options open.
- Do keep things polite and professional. Even when differences are irreconcilable remember that business is not personal. Trump-style declarations serve no purpose other than to feed the ego of the person delivering the news, and they risk causing hard feelings.
- Don't carry tales. Remember there are two sides to every story and if things end badly, more often than not, both parties share the blame. In such cases, the less said the better for everyone.
- Do be honest with your agency. No matter the reasons behind the decision whether it's politics, budgets or just plain dissatisfaction with results, it's important to talk it through. Both sides will learn from such conversation making future relationships better and stronger for all parties.
- Don't delay payment. All valid invoices should be settled quickly and in full. This preserves the client's professional integrity and lets both parties move on.
As in life, agency relationships come and go. Some go from strength to strength and can last for years. Others may drag on forever with few positive outcomes. Still others can be explosive and deliver fantastic or disastrous results. Just remember to treat the individuals you meet along the way with respect, learn from the experience and move forward with positivity.
This article was originally published on ThornleyFallis.ca.
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The kids and I tried to be sneaky, but with 2 and 4 year old voices, nothing is a secret in our house. We snuck out to the grocery store to pick up everything we needed for celebrating. We got out mixing bowls and large spoons and I preheated the oven. Together we baked. We licked fingers and "cleaned" out bowls of cake batter. Charlie sat in his highchair eating cookies and singing while Maria, William and I stirred and mixed. Today is Joe's birthday and half the fun was making his cake and decorating his gift (with an idea I saw on pinterest)
Happy Birthday to the most wonderful man, father and husband I know!
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Welcome to the Green Apple Photography Blog. By viewing my stories and images, you will get a glimpse into my shooting style and personal experiences. My mission is to get you excited about your family portraits, about the moments I capture of your gorgeous children and the beauty of your pregnant body. I want you to share them with your friends and family and to see quality and artistry in every image.
For the many people who share their comments, stories, and lives with me, thank you!
Thursday, August 2, 2012
"If there's something that you're dreaming of then may it all come true, because you deserve it all...HAPPY BIRTHDAY."
Posted by Green Apple Photography at 1:03 PM
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WELCOME TO standard building
Standard Building believes in building smart to give our clients a smooth build.
loft conversions
Standard buildings were prompt with response which is always a good start and although started later than planned I was kept up to date all the way through, good communication. Top marks all round! Would use again without hesitation.
I would like to give a huge thanks to Standard Building Ltd, for the outstanding works on a landscaping and patio project at my property. Outstanding communication and speed without compromising the quality were the facts that makes me feel comfortable from the day they start the works. I highly recommend Standard Building Ltd for any works related to improvement and design of your landscaping or patio projects. GREAT WORK GUYS my family and I love the new features and beautiful spaces created by you . 10 out of 10 well done.
Drain was installed promptly and efficiently with respect for the existing surroundings. The site was left neat and tidy
Building Services With The Personal Touch
Our knowledge and experience means your project will be in safe hands, every build we undertake is given our personal touch with a project manager dedicated to liaise with you every step of the way. Our team will be focused on completing your project on time and within budget, so you'll have no nasty surprises on your invoice.
Whether you're looking for a new roof, an extension to provide more space, or even new fascias and soffits, we have dedicated experts in all areas of our building services with many years of experience.
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If you have ever been on our website then you surely know that we like to do impossible tricks. Therefore in this article, I will show you how to install Windows 10 on Mac without Boot Camp. Installing Windows 10 might seem to undoable however there's a solution for that. There are many ways of installing a totally different operating system on another system. As of now, our topic is to see the installation process of Windows 10 on Mac and that too without boot camp. You will get a full view of what you need and how to can do that.
There are two different methods of Windows 10 on Mac installation with Boot camp. In that case, you can either use boot camp or without boot camp installation of Windows 10. Therefore, let me get you through this process that you may have thought was impossible. First of all, you need to know that Boot Camp is a software with which you can install Windows 10 on your Mac. However, we are not going to use that in this post.
Additionally, you are not going to use boot camp in order to install Windows 10. You don't need to install or use other software to do it. Therefore, the only thing you need to create a Bootable USB flash drive for Windows 10.
Windows 10 Installation Requirements
In order to get a perfect installation of Windows 10, therefore, you need to meet some requirements. First, you are going to download Windows 10 ISO file and then the driver for it. Once you do that you will be able to install Windows 10 on Mac without Boot Camp. Here are the following files that you are required.
Install Windows 10 on Mac Without Boot Camp
After downloading those files than with that, you need to create a bootable USB flash drive of Windows 10. Then install the Boot camp driver that you have downloaded from the given link above. Installing Boot Camp driver will make installing Windows 10 on your Mac easier with the help. If you are installing Windows 10 on Mac for the first time then surely it will help you in some way. With installing a driver then it will enable the Sound, Graphics, Internet. Once you have completed the installation of Windows 10 on Mac then you should install all required Windows 10 drive with coot camp.
Tip: Before you start the installation, you should consider backing up all your important files. As you are going to do a partition on your hard drive. You might lose some files if you don't back it up. SO you have got that. Then let's start how to install Windows 10 on Mac without Boot Camp.
Install Windows 10
Step 1. Since you have already created a bootable USB flash drive, therefore, insert it to your Mac. If you don't how to create one then you should check on it. Once you have connected your bootable USB to your Mac computer. Then you should press and hold the "Option key" from your keyboard for a few seconds till the USB drive dialog comes up.
Step 2. In this step, you will get different options of drives after you pressed and held the options key from your keyboard. From the following list, choose the "EFI drive" which is the bootable USB drive which you created.
Step 3. Now you are going to install Windows 10 which you should easy for you. If you have already installed Windows 10 then you would have no problem. Therefore, select your language then click on "Next".
Step 4. After that, it will ask for "Windows product key" or if you have a license of Windows 10. If you have bought it from Microsoft then enter it or click on I don't have.
Step 5. Select a Windows 10 version that you would like to use. There are different options that you have from the list and you can choose any one of them. So if you don't know which version you should go for. Then I recommend you to select the "Windows 10 Pro" which I'm using. After that, you select the version then hit "Next".
Step 6. Now read the terms and then check on "I accept the license terms" and "Next".
Install Windows 10 on Mac
Step 7. You are going to perform a clean installation of Windows 10 on your Mac computer. You are going to select a particular drive to install Windows 10. So you are going to format all drives and all drives will be cleaned. Then select a precise drive for Windows. Therefore, before starting the installation process get back up of all your important files then select the drive and click on the "Delete" button.
Step 8. Since you have deleted all drive then select the only drive that left and click on "Next".
Step 9. Your Windows 10 installation will be started and it will take some time to finish. Therefore, both the process of Windows installation are the same for Mac. Your windows might get serval restart during installation which you shouldn't be worried about. Once everything settings are installed then you can remove off the USB from your computer.
Conclude Windows 10 Installation on Mac Without Boot Camp
Step 10. Once your installation is done then you will be redirected to the same window of drives. Therefore, from the different options that you see here. Select "EFI Boot" from those options.
Step 11. From the Basics menu, select your country and then click Yes. For which I recommend you select the United States for better functions.
Step 12. You don't need another keyboard layout, therefore, you can Skip it.
Step 13. After that, enter a name for your new PC and click Next.
Step 14. Enter a password for your new PC and Next.
Step 15. In this step, you will be in the new Windows 10 PC. Go to boot camp set-up, therefore, click on it and install drivers of Windows through boot camp.
Step 16. Congratulation! you have successfully done install Windows 10 on Mac without Boot Camp.
- How to Install Windows 10 on macOS on VirtualBox
- Install Windows 10 on Mac with Boot Camp Assistant
- How to Factory Reset Windows 10
That's the easiest method on how to install Windows 10 on Mac without Boot Camp. That's all for this topic and if you have any questions regarding this article then comment down below and I will respond back to you soon.


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It is probably fair to say I have been remiss in not posting before about the volume settings folder, an ambient/drone/post-rock project of M. Beckmann who has released a number of very interesting recordings over the past five years and who I gratefully acknowledge has been a very visible supporter of the Stationary Travels commmunity. His latest album, which will see a vinyl release on the German label Oscarson, provides the perfect occasion to remedy that and introduce readers to his work. The record is called Laguna and is a particularly personal one.
"…during the year 2015 I started working on the record – very slowly, those who collaborated or are collaborating with me know that…the "mood" set by the events in my life during this time-frame shaped the record, got rid of certain parts and introduced new elements. I was determined to use every minute available on both sides of the vinyl. the result tells about the birth of a love in a certain space-time, a long scene set in the Venice laguna, mid 1980s until nowadays. this album has been inspired by my homeland, and it is dedicated to my mother ".- M. Beckmann
There is an especially acute sense of stillness on this album, a genuine feeling of wistful nostalgia and memories frozen in time. Over the past few albums TVSF has gravitated more and more toward organic sounds and a minimalist approach that makes ample use of space and embraces modern classical elements. It turns out to be the ideal formula for this moving and lovingly crafted inward journey and personal history told through music.
The highlight of side A is "millennial underwater forest", a ten-minute long electroacoustic gem that blends the watery sounds, crackling amps, and gentle arcs of chorused reverb inducing a dream-like state in the listener. On side B, modern classical elements come more clearly into focus through the overlapping layers of bowed instrumentation of "terra emersa" and the starkly beautiful solo piano lines of "fragments in water" which are mirrored in the more textured and evocative abstractions of "water in fragments" into which it seamless flows.
As the album gently drifts toward its conclusion, there is a palpable sense of melancholy, first in the warbling acoustic guitar which serves as a prelude to reverie on "currents" and the yearning drones of "the foul walk". The patience with which Beckmann approached the album is very much in evidence throughout. It is a beautiful and weightless suspension of time, well crafted and finely spun without a note or sound misplaced that might spoil the illusion. Definitely my favorite work of his so far and arguably his best.
"Currents" from Laguna
Oscarson is offering Laguna in a variety of limited packages – the standard 12-inch vinyl/CD combination (125 copies), a special handmade, stamped wooden box vinyl/CD edition (25 copies), and separate hand-numbered versions on choice of vinyl or CD (25 copies each). All of these should be available as of March 25, 2016 and can be pre-ordered now. Digital-only copies can be obtained directly from the artist.
Order (vinyl/CD): Listen: https://oscarson.bandcamp.com/album/tvsf-laguna-3
Order (digital only): https://thevolumesettingsfolder.bandcamp.com/album/laguna
Other recent work by the volume settings folder
Each volume of this series centers around a theme and features ephemera and handmade packaging to suit. On the latest edition which marks the second anniversary of the project, the artist is seeking closure and to "fulfill a need of home". This is reflected in an organic approach that comes across as warm and accessible.
Landmarks – Loops from an Emigration, Failed
A collection of sounds and sketches collected during time working on a new job in Germany and shaped into a release after his return to Italy. Features some exceptionally atmospheric and melancholic drones and soundscapes and some fascinating experimental tangents.
Simply "dedicated to the end of youth, and its perennial reverberation into life in the most unexpected ways", the CD edition album comes with some striking handmade packaging (a few copies still available!) and with particularly lovely work on the title track and the closer, 'Nourish' which forebodes the more acoustic bent of Folder #05 and Laguna.
Springtime Return (with Tanner Garza)
Physical editions of this collaborative release have long since sold out, but the digital edition is still available and very much worth a listen for its captivating blending of atmospheric drones with field recordings and tape loops.


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Sunday morning's edit:
So much for the natural powder. The gods have conspired to ensure I shan't be off to the mountains -- looks like COP all over again. Oh, well. Could be that I wasn't riding anywhere.
While awaiting the availability of other participants, I've been to Greg Kearsley's pages to re-read the notes on David Merrill's Component Display Theory . I'm particulary taken with the "recent" changes in the theory -- note the new name -- I'll be attending a presentation by Dr. Merrill the week after next and look forward to hearing how the theory has most recently evolved.
"In recent years, Merrill has presented a new version of CDT called Component Design Theory (Merrill, 1994). This new version has a more macro focus than the original theory with the emphasis on course structures (instead of lessons) and instructional transactions rather than presentation forms. In addition, advisor strategies have taken the place of learner control strategies. Development of the new CDT theory has been closely related to work on expert systems and authoring tools for instructional design (e.g., Li & Merrill, 1991; Merrill, Li, & Jones, 1991)"