Friend of a Birder Flock Over Tea Together

For a few months now, I've been chatting with a friend over a cup of hot teh-o-siew-dai and teh-c, or the occasional kopi-o-siew-dai for me.  He often shares his enthusiasm for wildlife photography - birding - in particular.  Being an inquisitive person, I'm more interested to find out why my friend enjoys that pastime.  

Birding is the act of observing and identifying birds in their natural habitat.  A person who participates in birding is called a birder.  Birders driven by their passion, would be often on a lookout for certain species of birds that catch their interest.  They usually would be armed with a long-focused lense camera that resembles a rocket launcher.  For the attire, long sleeve button downed shirt and pants (sometimes with camouflage patterns) and a jungle hat completes the look.  In Singapore, the UV rays are intense.  If you are going to be under the sun for hours, you have to cover yourself as much as possible.  Not forgetting mosquitos and other creepy crawlies if you are birding in a tropical forested area with tall grass around you.

Image credit: Freepik

On weekends, my birder friend visits different spots in Singapore to photograph birds.  He can patiently wait for hours just to shoot a particular bird flying across the sky, diving into a lake or just roosting.  To him, capturing images of birds living out their daily life in their natural habitat fascinates him.  

What fascinates me, are the little birds that can fly very long distances, crossing oceans just for a pit stop in Singapore.  Some of those little birds start their journey from as far away in the Himalayas or Japan.  Some birds do get lost travelling long distance, instead of reaching their destination in one of our neighbouring countries up north with their flock of friends, they end up in our island country.  

Once in a while, there would be a social media news of a bird found resting on the ground too tired to fly away even when approached by curious humans.  It could have arrived long distance from another continent.  Certainly an exhausted common Myna or a neighborhood pigeon won't be deemed social media worthy, usually the birds that get mentioned on social media with celebrity like fanfare are owls, eagles, and vultures!  

Image credit: Freepik

I can somewhat understand the allure of birding, why someone would spend many hours just to get a good photograph of a bird, especially a bird in flight with its wings stretched out emphasizing its majestic form, or wings tucked in with talons fully extended to pounce and grab its prey within a blink of an eye.  Those images captured are gifts from nature, not scripted, not generated by artificial intelligence.  

Image credit: Freepik

My interactions with birds aren't the same as my birder friend.  I will usually chase away the Javan Mynas or common Mynas that like to roost on my balcony because a certain Javan Myna couple made a nest in my aircon compressor and were 3 times parents!  Only on their 3rd time as parents did we manage to locate and remove the well hidden nest from inside the aircon compressor, we discovered 2 baby birds!  The nest and the baby birds were moved into a carton box and placed in one corner of my balcony.  

The nesting materials that were curated by the Myna parents, mostly consisting of twigs and some feathers.  Occasionally, new nesting material like an odd strip of cloth woven with aluminum-like material would be added to help keep the babies warm during cold windy nights or perhaps hide them from human eyes.  Although I didn't quite like the parents, as they were so noisy, I was thrilled to see the babies!  

The 2 baby birds found in my aircon compressor.
Image credit: Author of Blog

Like human babies, they slept most of the time, and woke up only to eat.  Their parents, worked all day and evening to bring food to them.  As they're babies, the food they bring are baby sized, such as baby lizards, baby cockroaches, and small berries.  It's quite amusing when us humans and baby birds have dinner at the same time, it's like having guests for dinner.  Eventually the baby birds left the nest, and we didn't want that Myna couple to make another nest in our aircon compressor.  We made sure to seal up any gaps in our compressor, and placed plastic made snakes to scare away the birds.  Cross my fingers, so far it works!

Listening to my friend share his birding adventures is inspiring, I envy his enthusiasm and the skills he has developed.  Being able to recognise different species of birds, their calls, and taking beautiful photos of birds in flight.  I would also like to live doing what I enjoy, that would be a fulfilling life 😉

Image credit: Freepik



Investing

When I'm not working on my office job, I do spend quite a significant amount of my free time watching YouTube videos, reading investment related books and blogs on how to build passive income or wealth.

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I love the process of learning how to build wealth and making the decisions on what to invest in.  It's fun!  I get the satisfaction of seeing returns on my investments, regardless if they are small or significant returns.  As long as it brings me some money, I'm happy 😄

My investments are mainly in bonds, structured deposits, and equities.  I have about 70% in government bonds and T-Bills, 20% in structured deposits, and 10% in equities.  I'm working on increasing the amount of equities I have.  More equities would help grow my wealth through capital gains, and I invest in a S&P500 index fund. 

That index fund doesn't distribute dividends, hence as a non-US citizen I'm not subjected to the US withholding tax of 30% nor 15% (if it's an Ireland domiciled index fund).  I save on not having to pay taxes so it really helps with wealth accumulation.
                             
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So far I've not invested in any of the local stocks of my country Singapore.  It sure is nice to collect dividends (not taxable!) mind you, many of my country's stocks are not growth stocks as they are mainly in the financial industry, real estate, and consumables.  Thought of investing in the STI ETF, thinking it may be safer compared to investing in single stocks, but you would need to start buying that ETF when its share price is low so that you can enjoy the capital gains (not just the dividends).  You can't get much capital gains through STI ETF as the 30 companies that make up the ETF are already matured companies.

The STI ETF has been stuck roughly at around 3.5 to 3.6 points for a long time.  If there's a market crash, it goes as low at 2.4 points, which is an opportune time to buy into the ETF.  As for me, I'll just wait and see.  I'll focus on growing my S&P500 index fund portfolio for now.

My government bonds, T-Bills and structured deposits give me passive income.  I create bond ladders with government bonds and T-Bills so that I can receive income on a monthly basis.  Structured deposits would be half yearly.  
                                             

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Since the time I've invested in the S&P500 index fund in 2022, I'm learning how to manage FOMO (Fear Of Missing Out) when the market is rallying and reminding myself not to fret or become disappointed when the index dives.  I remind myself to buy the dips and when the market goes up, just keep investing.  

Dollar Cost Averaging is what I do, but I invest with varying frequencies.  I buy more often when the market is crashing, and buy less when market goes up.  I prefer to invest at different price points rather than invest a big lump sum if the price is not at its lowest.  When the market goes up, I invest once a month, just maintaining the journey of growing my portfolio.  

The process of learning and making informed decisions keeps me motivated, and I look forward to continuing this investment journey in building wealth!


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