Monday, February 24, 2020

Baby Diaper Comparison

Which brand of the baby diaper is the best? That is the question which will weigh on most parents' mind. Truth be said, if you change the baby diaper regularly (meaning 4-7 changes a day) and diligently apply diaper rash cream on the baby, most of the brand will do fine and baby poo poo should not leaked. The other important factor is that is the baby allergic to certain diaper brand? Well for that, you will only know when you test the product itself. We have the opportunity to test a few diaper brands and the below are our observation: 

Huggies® Platinum Diapers (JB Version - Only available in hospital)
Overall, the tapes are strong and doesn't come off easily. Only problem is that the wetness indicator sometimes cannot be seen easily. For poo poo, the wetness indicator most of the times does not show and you have to open the diaper to check yourself.

Rate: 6/10

Merries Tape Diaper Newborn (Made in Japan)
Overall, the tapes are strong and doesn't come off easily. Wetness indicator works well with both urine and poo poo. Just my personal opinion, the diaper feels thin and flimsy to touch.

Rate: 8/10

Pampers® Baby Premium Care Newborn (Made in Japan)
This is the third brand we tried and personally we love this brand the most. Overall, the tapes are strong and doesn't come off easily. Wetness indicator by far is the easiest to be seen as they works well with both urine and poo poo. The diaper feels solid to touch, which gives it an edge over Merries.

Rate: 9/10

Drypers Wee Wee Dry Newborn (Made in Malaysia)
This diaper does not comes with wetness indicator, so you will need to open the diaper to check for yourself if the baby has pee or poo. Design of the diaper not that user friendly as I found you will need to adjust the diaper a bit before you can get a good secure hold. At least, the diaper printed design looks the best among the rest, though that is the least of my concern.

Rate: 5/10

Sunday, February 23, 2020

Day 30 with Bundle of Joy

All right, we have officially survived 1.5 days after sending off our nanny. What a steep learning curve we have to get to know you better little Jonathan. There are so much things to learn in this short 28 days:
  1. To bath the baby
  2. To change diaper
  3. To wear clothes for the baby
  4. To carry the baby
  5. To sooth the baby to sleep (Tough job)
  6. To feed the baby using milk bottle
  7. To research and buy infant milk powder (Nature One Dairy / FairPrice Gold seems to be the best as of now)
  8. To research and buy milk bottle (Philips Avent with Natural tits preferred)
  9. To learn how to boil herbal soup
  10. To learn how to boil red date tea
  11. To pray baby will sleep 3 hours instead of 45 mins 
  12. And the list goes on.... >.<
Past 1.5 days have been busy cleaning up the whole house after nanny left, especially the kitchen, where 28 days of cooking has left much grit and grease to get rid off. I haven't have much inroad with it as the surface still feel sticky no matter how much I clean them with soap and detergent.

Lifestyle for us has definitely changed. Looks like we will not be visiting cinemas, restaurants and hawker center in a long time. Well, at least we now have GrabFood to depend on.... for someone who do not cook at all. and when should I start cutting or filing baby nails.... hmmm... challenging job... Any suggestion?

Sunday, February 09, 2020

2 Weeks Journey

Never expected it but we have to re-admit you to hospital again after giving us quite the scare with a BRUE event and cold virus infection. After a worrisome 4 days stay, we are glad we can welcome you back home again. Recover well Jonathan and fight on. Mommy and daddy will pray for your recovery.

With Love,
Mom and Dad

*Now I understand the importance of a maternity insurance plan (to lessen the impact of medical bills) and "C" class ward (To maximize the use of Medisave)

Wednesday, January 29, 2020

Bundle of Joy

Welcome to the family, Jonathan. What a cute little boy as you stole mummy and daddy hearts on the wee early morning on 24-Jan-20. Life will no doubt be more challenging, but both mommy and daddy will promise to walk together with you. 

It pains us to see you got your heels prick multiple times due to Jaundice and what a traumatic experience you must have to be re-admitted to hospital again for phototherapy sessions. Staying alone away from both mummy and daddy and faced with the room full of crying babies must be quite a scary experience for you. We pray you will recover fast, return home and never go in again.

With love,
Mom and Dad

Wednesday, January 15, 2020

Violet Evergarden: Eternity And The Auto Memory Doll

Synopsis: I sold my future in exchange for protecting what is precious to me. A girls' academy that only girls from respectable families could attend. For Isabella York, who attends it under a "contract" with her father, this beautiful place where white camellias bloom is nothing more than a prison... Before Isabella, who had lost all hope and expectations for her future, Violet Evergarden, hired as her tutor, appears. [Source: Golden Village]

This is more like a short story spin off rather than a full fledged movie anime. It explored more of Violet's character as she is learning how to live as a normal human integrating back to society while serving her rather "difficult" client as a memory doll. A few touchy moment here and there. I guess you need to watch the main anime first before going for this movie as they don't really do background explanation. Overall, an ok movie to catch on any day.

Rate: 7/10

Wednesday, January 08, 2020

Ip Man 4: The Finale

Synopsis: Ip Man’s life remains unchanged after his wife’s death, but he and his son are slowly drifting apart. To seek a better future for his son, Ip Man decides to travel to the U.S. only to find the stable, peaceful life abroad is only skin deep. Underneath lies a deep rooted racial discrimination that is far worse than he has expected. Ip Man re-examines his position and ponders on the reason he took up martial arts in the beginning. [Source: Golden Village]

For those who are still in doubt, this is really it - the finale. Overall, the show is pretty intense and exciting with all the fight scenes. You will literally feel the pain with the movie characters getting beaten up, with all the bone fracturing sound effects. One theme that resonates throughout the film is the racism of the Americans. Not sure if it reflects the situation at that point in time or the movie director is trying to make a dig at the USA president, who is well known for his white supremacy view. Overall a good movie to catch though.

Rate: 7/10

Wednesday, January 01, 2020

4Q 2019 Investment Strategy Update

What an end to 2019! Oct to Dec period are dominated by HK protest (that never seems to end), US Trump impeachment, Brexit (that seems to drag on forever) and warning of slowing economy in Asia and Europe. Trade tension between China and USA (world's two largest economy) that blows hot and cold all too often doesn't help sediment either as companies rein in expenditure for fear of their products being tariff and faced with loss of market share. Saving grace was China and USA are finally going to sign their Phase 1 trade deal soon (Most likely in Jan 2020) to formalize the low hanging fruits that are easy to agree. For the harder part (Or non-negotiable part), they will leave it to a later date by kicking the can down the road. USA, on the other hand, back by strong internal market, strong consumer spending, and strong job creation, has been breaking records after records on the stock market, with their major indexes at all time high. "Neh" supporters (me included) that say a major correction is coming did not get their wish this quarter.

DJI ended at 28538, a rise of 1622 points (+6.03%) compared to 3Q. For Singapore, STI ended at 3222, an increase of 103 points (+3.30%) compared to last quarter. Stock market has generally been on a up trend for Q4, with investors buoyed by a stronger than expected resilient US market and China economy slow down that was not as steep as expected. Defensive counter such as reits and high yield stocks continue the up trend of last quarter, helped by Feds cutting of interest rates and yield compression as players chase higher returns in safer equities.

I still firmly believe that after 10 years of bull charge, it is time for the market to take a breather, considering the global economic sediments and the limits of how much internal consumption can help the USA economy. As such, I will avoid buying in US market for now and will look to liquidate my position when the counters on hand reached my target price. For the SG market, I will still continue with purchase in Reits and Business Trusts as some of the counters yield are just too attractive to resist.

With 2019 ending, it is time for a review against my 3 year plan (New Investment Strategy 2017 - Growing Passive Income) set back in 2017 and below are my result:

Original 2017-2019 plan:
  1. 50% Equity, 50% Reits/Trusts
  2. Portfolio Yield to be 1.50% in 2017, 2.50% in 2018, 3.75% in 2019.
End 2019 result:
  1. 60.35% Equity, 39.65% Reits/Trusts
  2. Portfolio Yield at 1.27% in 2017, 1.42% in 2018, 2.44% in 2019 (+1.02% from 2018, but miss 2019 3.75% target)
Verdict: Miss Target

Below is my end 2019 portfolio snapshot:

Overall, 2019 has been a pretty good year for me. Managed to grow my portfolio value 101.94% with capital injection. On the dividend front, I have collected 125.09% more compared to last year. Re-balancing my portfolio is not as easy as expected, with dead weights such as Noble Group and Linc Energy around. For my next 3 years investment plan, you can refer here. I will be focus on building up my portfolio yield with more Reits and Trusts, returning to my main focus of building passive income. Anyway, below are my transactions for this quarter:

Transaction 1: Sold all Danaher shares in October.

The recent GE Pharma acquisition and the spin off of Envista shares has caused Danaher to run up ~35% since my buy in price. With the target price reached, I decided to cash in and take profit with the trade war going on in the background with no signs of ending. Better to have the cash in hand for better opportunities later when it arise.

Transaction 2: Bought in two batches of Eagle H Trust in November and December.

With the Queen Mary Long Beach ship saga going on with the high repair costs cited in reports (which the management subsequently refuted), the suspicious low vendor buy in price of the hotel properties which later was valued at a much higher IPO value, the significant major shareholders selling their shares at a low price through married deals and the quarterly results that missed the target marginally, the stock took a plunge of ~30% to reach a all time low of USD$0.440 at the start of November. However, with me viewing the other freehold hotel properties as assets of value, this counter seems oversold. At $0.440, if the prospectus dividend is to be maintained, it will give a yield of ~13.6%, which was too good to be true. Well, I bought in these 2 batches with the view that even if the vendor decides to write off Queen Mary, the counter should be worth at least a much higher price than $0.44 (IMO, likely $0.65 is a fair value).

Transaction 3: Bought in one batch of IREIT Global in December.

Well, for this trade, the main purpose is to make up the total shares to the minimum requirement for SGX Securities Borrowing and Lending. With the yield at ~7%, nothing much need to be said.

Transaction 4: Bought in one batch of HPH Trust in December.

2 more years till their 5 years 5B HKD debt reduction initiative (2017 - 2021) ends. Well, I thought it is a good time to start slowly buying in since the yield is good at ~8%. Better to start accumulating slowly early than miss the boat when their debt reduction initiative ends and dividend is increased.

That is all for now. See you all in Q1 2020 update and thank you for reading thus far. Wishing everyone a Happy New Year. Stay healthy and may God Bless with a good year ahead~