Escaping CNY 2017, Bye Bye!

Following the precedence that I have set last year, I have once again decide that I am going to escape CNY! I seriously dislike the whole CNY period. The ONLY thing that I like is that I get to hear that song, but that's about it. Anyway, I'll be gone for the next 2 weeks. I've been seriously looking forward for this holiday for almost 2 years now! A lot of planning and preparation has gone … [Read more...]

Upscale Property Cracks Emerging?

Just saw this interesting article on the Straits Times: Banker buys out 45 of the 55 units of an upscale FH condo in town. 45 out of 55 is kind of absurd, isn't it? Since it was a bulk deal, he managed to get in at $2300psf, or an 18% discount. For a FH condo in town, that really isnt too bad. It's 2 blocks away from an upcoming TEL station and just down the road from the Botanic … [Read more...]

How to Milk your Cash? Best Places to Park your Cash!


This post by Kyith has inspired me to write my own off-shoot version of where to stash your cash. If you are collecting 0.05% interest on your bank account, you better pay attention! I believe that there is a systematic approach to this. You just fill up the account that gives you the highest rate until the cap, and then you flow into the next account and the next account. These are the 3 … [Read more...]

$450 / 19.7% Credit Card Cashback Lobang Guide


Serious or not? How to save $450 on credit card spending? Spend $26,666 on AMEX cashback and get 1.5% back, is it? Not quite. Well, here's what you need to do it: 1. Have a minimum income of 30k 2. POSB Everyday Mastercard (min income 30k) 3. SCB Manhatten Mastercard (min income 30k) 4. CIMB Visa Signature (min income 30k) ** All promos listed are valid until 31 March 2017 only, … [Read more...]

2016 in Retrospect, 2017 Looking Ahead

I'm late. Some bloggers started writing such posts about 2 weeks ago already! I guess I'm the last blogger to come and play this game, eh? Well, the good news is that maybe during that 1 week where every other post was about the same new year thing, maybe you got bored and skipped reading half of them. Hopefully mine is a bit more interesting! For my personal SGX portfolio (which I have … [Read more...]

New Year, New Lobang for You!

I'm a bit late to the game of reviewing 2016 goals and posting about my 2017 goals, but I've got a lobang which I thought I should share! Udemy is an online course learning platform and you can pretty much learn anything you want there, and the price is very reasonable since it is e-learning (note: DIRT CHEAP). Even the gov recognises this, which is why quite a number of online courses on Udemy … [Read more...]

Phillip now has 0% sales charge on UT

Seriously, I am a strong Phillip supporter. Platform fees, hehe. Is this a potshot at the already struggling FSM One, "Market Player F"? Seriously though, when I first started my investment journey, I was looking around at just how to start investing. Unit Trusts are easy to understand, plentiful in asset classes and strategy and practically every bank sells them. But... the banks sell … [Read more...]

FSMOne and the our crap Financial Sector

If you don't know what is FSM One, go browse their website yourself. After that, read this great primer by D&S (I got to say it again, I'm absolutely awed by the quality of the content, and also the edginess of the content from D&S!). Honestly, it is a bold move. Singapore has a SHIT financial industry. Why do I think so? While being highly literate with supposedly genius … [Read more...]

#GivingWeek 2016 Update


This is the update from my previous post at the start of the month. Anyway, this is just me showing my accountability that I do what I said I'll do. I found out that the offers a much better and smoother user experience compared to when I was using it last year. It's really very easy to donate. Just sign up, add charities to your cart, check out! I was looking back at my update … [Read more...]

POSB 1.38% 4 Months FD


Don't say got lobang I don't share. POSB is having a 1.38% 4 month FD promotion with no minimum amount and a max cap of $100,000. Only thing you have to do is to apply and open up a Fresh Fund account and deposit in the money before end of 15 Dec (next Thursday). Can read more about the promo here. Personally, I think this is a pretty attractive short-term promotion, especially if you … [Read more...]

#GivingWeek 2016: GMGH Annual Charity Donation


It's that time of year again. I'm a bit late to the party, but anyway better late than never. #GivingWeek is a national movement that encourages people to give back. I like how it is at the end of every year and near the festive seasons. It's a good time to take stock of how your life and the year went, count your blessings (and accounts) and see if you have anything spare to give to … [Read more...]



"Hello Sir, I'm from XXX and I'm calling to let you know that you have been pre-approved to take up this special offer that is exclusive only for you! Benefit 1) ... ... ... Benefit 100) How do all these benefits sound Sir?" That sounds fantastic. How about you send me an email with all that information and I can get back to you with my decision? "I'm sorry Sir. This promotion … [Read more...]

Increasing Wealth, Increasing Health

Uncle CW8888 came out with another interest post today: "To save more: Cut Expenses or Increase Earnings? To slim more: Cut diet or Increase exercise?". For me, the answer came very fast and naturally: DO BOTH. Of course, any idiot can tell you that. However, I think that there is a hierarchy of what is the easiest to do with the most impact by useful until a certain point, to what is hard … [Read more...]

Scoop the Poop


Uncle CW8888 asked a very good question: Telcos are no longer defensive stocks with just one add on? Looking at the charts, it looked like an impulsive downside move to me. I nibbled a bit more of M1 (I already had some) and some Starhub but not Singtel (at least, not yet anyway). I also got some hospitality trusts through OUE and Frasers. Why? Because they are sucking balls because … [Read more...]

Lie if your Ricebowl depends on it (Iskandar)

I just read this article on property in Today written by Ku Swee Yong (I know, I'm a bit slow) and I thought that it was an excellent read regarding Iskandar and property investing in Malaysia in general. Here are the main points that I picked up: Completion **TARGET** is 2026 Terminus cities benefit from HSR links Cities along the route declined in GDP and fixed asset investment … [Read more...]

Same Old Shit


We've seen this before. It happens every once in a while, but I think Jeff Snider from Alhambra Investment Partners says it the best: 1. Dollar doesn’t matter, indicates strong economy relative to the world 2. Dollar matters for oil, but lower oil prices mean stronger consumer 3. Manufacturing slump doesn’t matter, only temporary 4. Manufacturing declines are consumer spending, but only a … [Read more...]

Smartly Review (Beta)


With Singapore done holding the world's largest Fintech event ever, I thought it was a good time to re-visit Smartly. I first heard about Smartly back in May this year and I was pretty excited about them. Fast forward a month later, I managed to meet the guys behind Smartly and I wrote my take why Robo-advisors are something that we should want to use. I've finally registered to their … [Read more...]

SK Bullion Experience (Part 2)


Earlier this week I blogged about making a purchase through SK Bullion. Well, the delivery came! So here's the little haul that I bought to add to my treasure chest of gold and silver: 1 X Canadian Gold Maple 1oz 1 X RCM Silver 10oz 20 X American Silver Eagles 1oz The delivery came by courier and well, it's just like any other package delivery. I was pleasantly surprised to see the Gold … [Read more...]

JGB Madness


Japan is losing control of it's huge bond market. They've basically started unlimited bond purchases in the open market to settle yields at policy levels. FYI, this is pretty unprecedented. WSJ and Bloomberg have also reported it. You can't make this shit up. Observers might think this helps, but I think this just exacerbates the problem and opens the door that leads down the path of more … [Read more...]

SK Bullion Experience (Part 1)

I have been a client of BullionStar for the past few years and I've always enjoyed my shopping experience with them. I think the most major plus of BullionStar is the ability to execute orders online. I hadn't seen any dealers with such a good system until I stumbled upon SK Bullion. SK Bullion is a subsidiary of the Soo Kee Group, which is a familiar jewelry shop in Singapore as well as a … [Read more...]