Author: Early Retirement SG

DBS Live Fresh Card – A Fresh New Look

DBS is collaborating with homegrown sneaker artist and internationally renowned streetwear designer, Mr Sabotage to bring a fresh new look to the DBS Live Fresh Card. But that’s not all. It’s not just a superficial change. There’s some great benefits that come along with this new campaign. A little bit of background on Mr Sabotage. Mr Mark Ong is a famed sneaker artist whose work has graced the feet of international celebrities like Kobe Bryant and Linkin Park. Here’s the juicy part of this new campaign… UP TO 10% CASHBACK!!! It’s a bit unfortunate for me cos I already have...

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This biz trip is different from the rest

So as most readers already know. I’m overseas currently, following my wife on biz trip. Usually, it’s a boring trip for me. But she likes me around and the flight is under $100 to fly me over so I just accompany her. Previously, what usually happens is, on a regular day, I hardly do much. I wake up around 8am, turn on the news, prepare some coffee, watch some movies or try to eke out a post then at around 12 noon, I go downstairs to buy some light bites, usually 2 wraps (S$2 each) to eat at 12noon...

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Not everyone is ready to receive. Are you one of them?

Some people might not be ready to receive free things. Or new information to improve their lives. I have this experience quite regularly with my parents. When I suggest buying stuff online, they are reluctant. After much persuasion, my mum decided to check Courts online and she went to the retail store and told me that the prices are the same… I rolled my eyes. She just doesn’t get it. There are other websites, smaller merchants who will be able to sell her something at 10-20% cheaper. It’s hard to communicate this cos they are so reluctant to change...

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You won't believe the prices in KL

So I’m overseas again and I’m planning to buy my CNY goodies here to gift them to my parents and grandparents. Last year we had good savings from buying mooncakes from Malaysia and gifting them to family so we thought of doing the same for CNY goodies. Last year, we bought each CNY item at around $20 per container. Each delivery is usually 2 big containers for 4 deliveries. Parents and grandparents x2. So it costed us around $160. This year the average price is around $22 per container so it would likely have costed us around S$176. Couple...

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I never thought this would EVER happen to me

My wife has her AIA Vitality App. ​Every week, she gets $10 voucher, she usually redeems for $10 Cold Storage voucher and this voucher only lasts for 2 weeks. It has a very short expiry. Since we are going overseas on her business trip soon, we needed to spend this voucher quickly. So we decided to drop by Cold Storage to stock up on stuff. I’m sure most of us know, Cold Storage is the more expensive option for buying ANY form of grocery or toiletries. NTUC, Giant or Sheng Shiong would be better options… But since I have...

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Hospitalization plan & Eldershield

Many thanks to reader Ruby for suggesting this topic. I think about my hospitalization plan (H&S) very simply. Previously, without Medishield Life, it was only Medishield. And the suggestion previously was just get any Shield plan by any private insurer. Cos the old Medishield coverage just wasn’t sufficient. The coverage by private insurers at that time were about the same, but the premium prices were quite different. But they weren’t particularly exorbitant. So any private Shield plan would be better than the old Medishield. The options used to be something like… 1) Only Medishield – Insufficient coverage 2) Private...

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You won't believe what Will Smith said

Author Male, born in 1982. INTP Graduated with a degree majoring in Banking & Finance, Financial Adviser for a period of time resulting in in-depth knowledge of insurance products and marketing techniques of the industry. Inspired by MMM and ERE. Decided to embark on a mission to retire early in Singapore, a place where such an idea is considered impossible. As I believe that life has a lot more to offer instead of just a working career. I’ve decided to start a blog to note down my journey to achieve this mission and help others along the way who...

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Struggling with things to post

Recently, I’ve been struggling with things to post about… Previously, I talked about finance stuff, family stuff, relationships… shared some of my stories… And recently, “freegan” living has taken up a lot of my life. (I always put “freegan” with inverted commas cos, it’s not really free, there is effort, I’m still living in a money based lifestyle, etc… but for simplicity sake I use the term “freegan”.) Fairly “freegan” living or low cost living has made me less interested in finance/investment related topics. I still talk about that once in a while, but… when things are relatively free…...

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Why do you want more money?

I was talking with my friend about getting free stuff and was telling him that I get free vegetables and free merchandise… and people in the community are very happy to give away stuff. And I’m also very happy to give away stuff… And the first thing he asks is… do they give away free money? If they have spare cash and want to give it away he’s most willing to accept it… Now… once again, I’m not saying what’s right or wrong. I just want to try to reverse engineer what’s going through his mind… cos I was...

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Inventory management

After I started going to Pasir Panjang regularly, I now have an abundance of food. And every week, I will get even more food. So I need to either, take only a little bit of food during my trips to PP, or use up the vegetables really quickly. I tend to take too much, cos when we grab the food, we aren’t supposed to choose, cos if everyone is going to choose, it’s going to be a mess and the whole point of saving discarded produce is to take stuff that people don’t want to buy. So usually, we...

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The same old questions

The interesting (annoying) thing about newbies in any community. This happens in many communities. A newbie joins the community or chat group… And asks the same old questions which have been discussed for countless times each and every time a newbie joins. This happens in the financial planning community… When some newbie wants to do financial planning and asks… How much do you need to save ar? Or how to buy insurance ar? Or which insurance to buy? Or how much do you need to spend? etc etc… Now, asking questions is great, that’s the way to learn stuff,...

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Preparing for CNY

Ahh… The Chinese/Lunar New Year is coming… And for us, it’s usually the time to stock up on inventory. Cos that’s when all the sales are available. People may think… woah this means induced spending… but to me… it’s something like stocking up for the whole year. There’s some stuff that we use throughout the whole year and it’s really optimal to get during this period cos prices get really low and it’s really worth stocking up. So first on our list is packet Ribena… ok this is  a luxury, cos most people would just say to use the...

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Doing good or feeling good?

I don’t really like doing a lot of charity work. Basically, cos I think many charities are hoaxes. A lot of time, the money is channeled to running the organization and the beneficiaries get a small percentage of the total donated. I’m thinking something like 10%-30%. But of course I don’t discourage people from doing charity work. I mean 10%-30% is better than 0%. Although on a flip side, my other brain tells me, the more that people donate, the more they incentivize bad behavior. By continuously donating, the people feed the large pays of the CEOs and the...

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Almost a full day at Pasir Panjang

So sorry my post is late. Especially for those who are used to reading my posts early in the day. Today I spent almost a whole day at Pasir Panjang (PP) wholesale market. After I sent my wife down to her office, I came home and changed and took a train down to PP. The freegans have expanded their operations so I was interested in what more they were doing. It’s quite interesting, cos in my previous posts, I thought that I was going to stop collecting vegetables and fruits cos I thought it wasn’t worth the trouble, and...

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Are we just clueless or wasteful?

So a lot of people who joined the freegan events or take part in the activities have a tendency to ask “why”? The thing is, suddenly, they see so many things and produce, edible or still in good condition and it’s all thrown away, either at wholesale markets, or retail outlets or left by the void deck or in dumpsters. At the start, I also asked myself… Why?… why do people throw away good stuff? I’m talking about most normal people. Let’s not talk about outliers. Now, I tend not to ask why and just take things for free...

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