Author: Heartland Boy

How To Meet Minimum Spending Requirement On Your Credit Card

Has it ever occurred to you that you miss out on your cash rebate or savings’ interest because you fail to meet the minimum spending requirement on your credit card? That is because it is common for the banks to mandate that you reach a minimum spending on your credit card before certain lucrative bonus and rewards start to kick in. For instance, Heartland Boy has to ensure that he spends at least $500 per month on his UOB One credit card so that he does not miss out on an annual interest of $775. This is already considered...

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How Much Money Can You Withdraw From Your CPF At 55

Heartland Boy notices that there seems to be some confusion on the amount of money/cash that one can withdraw from his or her Central Provident Fund (‘CPF’) upon reaching the withdrawal age of 55. Indeed, withdrawal limits do get more complex when various schemes such as Retirement Sum Top Up (‘RSTU’) and transferring from one’s Ordinary Account (‘OA’) to Special Account (‘SA’) are taken into consideration. This is understandable as the answers to these questions can sometimes be found over several pages on CPF’s website. It takes considerable effort to piece those information into a consistent and congruent piece....

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Property Investment Course On How To Choose The Best Property

The property market is experiencing a mini revival now. Recent launches such as Park Place Residences sold out its released units in a single day, a phenomenon that had not happened in the last 5 years! Given the strengthening sentiments, developers are also bidding for land aggressively.  Add to the fact that the mainstream media is talking about the possibility of a property rebound, Singaporeans are making a visit to the sales gallery their weekend activities. Afterall, Asians, specifically Singaporeans, have a strong love affair with property investing. On this topic, Heartland Boy agrees that property is a good...

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Mid Year 2017 Stock Investment Review

Given that the first half of the year is behind us, Heartland Boy thinks it is apt to do a half-time health check on his stock investment portfolio. Previously, Heartland Boy had not accounted for spare cash lying around in his portfolio that had not been utilised. This was a mistake that he had made in computing his stock portfolio returns. Therefore, he has amended the mistakes and updated his past investment performances. The financial metric that is used to evaluate previous performances (Year 2014, 2015 and 2016) is Internal Rate of Return (IRR). For his mid year 2017...

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New Stores On ShopBack That Give You Fantastic Cashback

Heartland Boy has been a loyal user of Shopback right from the start and even wrote an article trumpeting the merits of Shopback. Since that blog post, Shopback has brought on so many merchants that provide tremendous value. As a result, Shopback has become an even better cashback shopping website in Singapore. Heartlad Boy would like to share about the new merchants that he is especially fond of. For instance, the folks behind Shopback have obviously been working hard to persuade popular merchants such as Grab, UberEats and Eatigo to join the online shopping platform. By securing more and...

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Is HSBC Advance Credit Card A Better Cashback Card?

Cashback credit cards are really gaining popularity with consumers in Singapore these days. During the credit card promotion by SingSaver in March, close to a hundred readers signed up for the Standard Chartered Unlimited Cashback Credit Card via Heartland Boy’s referral link! Unfortunately, that particular promotion by SingSaver had already ended. In its place, SingSaver has released 6 credit cards that would feature in its promotion for the month of June. One particular credit card caught the eye of Heartland Boy and that was the HSBC Advance Credit Card. Jumping onto the cashback bandwagon, HSBC did a major refresh...

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What Does Adulting Mean For Millennials In Singapore

When Heartland Boy first heard about Adulting last year, he immediately associated it with adultery or promiscuity. Apparently, Adulting is a verb derived from the noun “Adult”. Pretty much like how google was a noun before it became more commonly used as a verb. It first gained traction amongst millennials in the States before it started spreading globally. Since Heartland Boy was clueless about Adulting, he did what millennials would do- googled it! Much to his amusement, he realised that he could not be further away from the truth! So what exactly is the meaning of Adulting? According to American...

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Why Dining In The Dark Is A Good CSR Activity

As part of a leadership training programme, Heartland Boy’s company organised a dinner session for the participants at the premises of Singapore Association Of The Visually Handicapped (‘SAVH’). Specifically, it was a one and a half hour long dinner session conducted in pitch dark conditions. Throughout his week-long training programme, Heartland Boy rated Dining In The Dark as the activity that truly left a deep impact on him. It was a very powerful experience, both physically and emotionally. Here is his review of Dining In The Dark and why he thinks that it makes for a good corporate social...

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2017 Singapore REITs Symposium Review: Valuable Insights From CEOs

Heartland Boy has always felt that time spent with Management would improve his investment outcome. Somehow, seeing Management address questions in person are not the same as reading the answers from the various analyst reports. However, ever since he was posted to Jakarta, he has found it increasingly difficult to gain access to management. For instance, most of the AGMs are held on weekdays. Therefore, he gladly paid the $10 registration fee to attend the 2017 Singapore REITs Symposium held on 27 May at Suntec Convention & Exhibition Centre. The REITs Symposium is organized by REIT Association of Singapore (‘REITAS’). An overwhelming...

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Guest Post On Haw Par Stock By InvestingNote

Heartland Boy had previously analyzed Haw Par but could not totally comprehend its valuation as a conglomerate. To err on the side of caution, he decided not to proceed with his investment thesis further. However, the analytics team at InvestingNote did a brilliant report on Haw Par that clearly explained its business models as well as valuation. Therefore, their analysis is reproduced with permission on this post. This column is jointly written by @fayewang, @calvinwee, @gordon_ong and @devinnath from InvestingNote. Faye is both a fundamental analyst and economist by nature. She is a global thinker who’s open-minded and enjoys...

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How To Understand REIT Jargon When Investing In Singapore REITs

Heartland Boy has enjoyed some modest success with the Real Estate Investment Trust (‘REIT’) and Business Trusts that he has invested in so far. Including dividends and unrealized profits, Croesus Retail Trust, Lippo REIT and Viva Industrial Trust have returned 35%, 29% and 8% respectively since his investments. Croesus Retail Trust is on track to become one of the best REITs for 2017. However, it wasn’t all always a bed of roses. When Heartland Boy first interned in a REIT in 2012, he felt like a helpless captain lost in sea. He was overwhelmed by all the unfamiliar terminology...

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Why You Should Sign Up For Equinet Academy SEO Course

It has been over a year since Heartland Boy launched his blog and started writing about topics such as personal finance and lifestyle.  As the chief digital marketing strategist of Heartlandboy.com, Heartland Girl has done a rather decent job in designing the website to optimise user experience. However, the website is still not getting enough traffic and Heartland Girl attributed this to Heartland Boy’s acute lack of digital marketing knowledge. Having attended some online digital marketing course, Heartland Girl boasted that she knew how to increase organic search traffic for heartlandboy.com.  To break down the jargon, Search Engine Optimisation...

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What Trended At QAF Limited AGM 2016

QAF Limited conducted its annual general meeting (AGM) at Parkroyal on Pickering on 24 April 2017. Since Heartland Boy has always believed that meeting management would sharpen his investment thesis, he tried his best to avail himself that day. Furthermore, QAF Ltd is a stock that takes up a substantial portion in his investment portfolio. Fortunately, some combination of good fortune allowed Heartland Boy to attend the AGM. Firstly, that day was a public holiday in Indonesia and hence Heartland Boy need not work. More importantly, Standard Chartered approved him as one of the few registered proxies of the...

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Be Aware Of The Lease On Your Dream HDB Resale Flat

Heartland Boy had previously explained that there are various reasons why young couples may choose a HDB resale flat over a HDB Build To Order (‘BTO’) flat. For instance, they may require a bigger space found only in the previous generation of HDB flats. For some young couples, they might place a premium on unique features such as an executive HDB flat or a HDB terraced flat which are both no longer available in newer generations of public houses. Unfortunately, the shorter leases attached to such HDB resale flats often do not cross their minds. As Lawrence Wong, Minister...

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6 Powerful Lessons From The Review Of Becoming Warren Buffett

On the rare occasion that Heartland Boy was able to take a full-carrier flight from Jakarta to Singapore, he decided to plug into the in-flight entertainment system. He selected this documentary titled Becoming Warren Buffett amongst the long list of movies and TV programmes. Before long, he was totally absorbed in the show. The values and habits of Warren Buffett were so valuable that Heartland Boy decided to pen a review about the documentary. This article shall serve as a reminder to Heartland Boy about the most important factors that made Warren Buffett so successful. Furthermore, an excellent documentary...

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