Credit Card – It’s better than cash!


You must be shitting me….HOW CAN CREDIT CARD BE BETTER?? These are the Two best credit cards to consider for  an average Singaporean (who does a lot of grocery shopping, petrol pumping and dinning outside) HSBC Visa Platinum Card  All you need is a $30k annual salary So let’s do the math together…. My family grocery (before the rebates and discount) will sum up to $400/Monthly, Petrol … [Read more...]

Singapore plans to become the world’s first smart nation (Things you should know)


1) The importance of programming Kids (starting from 5 years old) in China and England have mandatory computer science class – where coding and hosting are being taught to them. This is where it build a huge gap in Singapore’s future workforce. 2) Investment opportunity This year, the government has committed US $13.8 BILLION in a 5 year plan to build innovation and technology adoption in … [Read more...]

Housing – Buying/Selling (Learn it in 1 chart)


Singapore Property Price Index is the only thing u need to know Resale & New flat (SRX) – Overall an uptrend marketThe property index depicts the current health of the property market hence knowing this is vital. Looking at the chart, the first area (Between the red lines) was caused by the dot-com crisis followed by the gulf war. In 2005 (Green line), Government injected stimulus that … [Read more...]

Financial Independence – How I plan to achieve it (3 Steps)


It was 3 years ago where i start to see the importance of money, time and all the bullshit.. In order to plan the steps to achieve Financial Independence(FI), I have to first define what is my maximum spending amount a month that I think is sufficient (Physically, Emotionally, Spiritually). The figure would be $10k a month That number includes – housing rental, bills, parents allowance and … [Read more...]