Lady, You Can Be Free

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• Great Improvement "Lady you can be free"!!!

• Agreed she is financially free with 6305.62 monthly based on her first five months dividend. Really a good model for all ladies. Well done.

• Impressive! I'm still waiting to enter the market...dunno when is the "right" time
  Btw do you have to pay a lot of custody fee to DBS for holding your US Shares? I read it stated 0.2% per annum.

• Hi Ed,
  Yes. DBS charges me custodian fee every quarter.

• I estimated that you're paying close to $300 every quarter then. 0.2% of 587k

• Hi Ed,
  It's less than 80 bucks per quarter.

• Any plans to divest StarHub since prices seem to come down because of the 4th telco?

• Hi My Sweet Retirement,
  No plans yet.
  Cheers
  Lady

• BABA still considered cheap?

• Hi Ed,
  Long term. Maybe, Maybe not. :-) But it's a China stock so please do own due diligence and be aware of underlying risk.

• I stumbled on your site while doing research for Dividend Portfolio. Can you share with me your experience during major crisis when stock prices dropped drastically. Did you just ride through the crisis and let the prices recover?
  What is your sell strategy?

• Hi Justin,
  I love major crisis. That is the time where I typically pick up bargains. It's like a mega sale. If I have done enough homework in terms of the stocks I own, I wouldn't be too affected by the crisis as I know the company's fundamentals can ride thru the crisis. So I just wait or pick up more during crisis and let the market recovers by itself. As for my sell strategy, I am lousy at it. When I am no longer passionate or lost confidence in it's business or I feel that it no longer serve a purpose in my portfolio distribution, I would just sell it. Hope this helps.

• If now only enter to buy starthub, will too late?

• Hi Cheesecake,
  I think so. Competition is heating up with new 4th telco. They haven't been able to grow their top line for quite awhile. But suggest you do you own due diligence and take your own judgement. My 2 cents is just my 2 cents. Cheers Lady

• Just to add to Lady, You Can Be Free's comment, the telco are now facing market saturation, especially within the mobile service segments (mainly from high costs of customer conversions). As for the possibility of a 4th Telco, there is significant barriers to entry for the new entrant, it may happen in the future, but it is unlikely in the short-medium term.

  http://sgdreamchaser.blogspot.sg/2016/07/spotlight-telcos-shoot-out-m1-singtel.html

• Hi Dream Chaser,
  Thanks for sharing. Actually, I am also very wary about the disruption from the OTTs i.e. Google, Facebook, Apple etc..that is reducing Telco's positioning into just a dumb pipe. Then differentiation becomes really challenging among the operators.