Author: Heartland Boy

UnUsUal Limited Initiation Report

UnUsUal Limited is one of the leading companies in concert promotions and large-scale events production in Asia. It was founded in 1997 by two brothers, Mr Leslie Ong and Mr Johnny Ong. In 2016, the founders sold a majority stake to mm2 Asia Limited, a producer of films, TV and online content listed on the SGX Mainboard. On 10 April 2017, majority shareholder MM2 successfully listed UnUsUal Limited on the Singapore Exchange Securities Trading Limited Catalist Board with ticker code: 1D1. It IPO-ed at a share price of $0.20.  As at 13 Nov 2019, it has a market capitalisation...

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Citi MaxiGain Savings Account Has Lowered Its Interest Rate Again

The Federal Reserve just cut interest rate for the third time this year. Heartland Boy does not stand to gain from this as he took a HDB loan for his property mortgage. In addition, his thoughts immediately swung to the Citi MaxiGain Savings Account since its base interest rate is pegged directly to 1-Month SIBOR. In a double whammy, not only is 1M-SIBOR expected to decline in the short-term, Citibank also made a third revision to the Citi MaxiGain Savings Account that would drastically lower interest rate for the account holders. And it is unfortunate that Heartland Boy had...

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Why I Embarked On Eagle Hospitality Trust’s The Queen Mary

REITs and Business Trusts are supposed to be relatively stable assets that are not subject to significant volatility. However, just before the Deepavali long weekend in Singapore, Mr Market presented a unique opportunity in Eagle Hospitality Trust (ticker code SGX: LIW). Eagle Hospitality Trust (‘EHT’) capitulated a total of 15.5% to close at US$0.545 in a single trading session, definitely a far cry from its IPO price of US$0.78 This was a swift reaction to the damning allegations that ran on The Edge with regards to one of the biggest and most controversial assets in its portfolio, The Queen...

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First Year Confessions From a Co-Parenting Father

In a blink of an eye, Olympia turned one-year old yesterday. That was a significant milestone worth commemorating and the Heartland Couple chose a simple celebration at home with their loved ones. Even though it was conducted on a smaller scale compared to the baby shower that they had, it was still memorable and heart-warming in every aspect. As a co-parent, there are truly no words to describe how tiring and topsy-turvy this journey has been. Yet, special occasions like this serves as a timely reminder for Heartland Boy to reflect on his privileged role as a father. This...

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Sending My FDW/Maid To Training Courses In Singapore

It’s been 4 months since the Heartland family hired a transfer maid (still a freaking awesome personal finance decision to DIY the process), and the help that she has rendered has been nothing but amazing thus far. With an extra pair of hands at home, Heartland Boy feels happier as he doesn’t have to do worry about the household chores anymore. During this time, he even managed to score a movie date with Heartland Girl- their first since Olympia was born. As a maid who has worked 10 years in Singapore, his foreign domestic worker (‘FDW’) comes with bags...

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Earn A Fantastic 2% Interest Rate On The SCB JumpStart Savings Account

There are many things to be envious of the young generation. Being younger, they have more energy, more time on their hands and less adulting problems to worry about. All these spoken with the benefit of hindsight by Heartland Boy, who unfortunately is no longer a boy anymore. Anyway, back to the topic of this blog article. Now, there is another practical reason to celebrate about being young. Standard Chartered Bank recently launched the JumpStart Savings Account which is only applicable to persons age between 18 to 26 years of age. They get to earn a fantastic 2% interest...

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ShopBack Button Now Automatically Applies Coupon Codes

Ever since ShopBack launched its ShopBack Button, Heartland Boy no longer misses out on valuable Cashback on ShopBack’s merchant websites. He gets prompted whenever he lands on a merchant website and all he needs to do is to click the “Activate Cashback” button to ensure his Cashback gets tracked. It was an innovative development by the folks at ShopBack, greatly enhancing the user experience. Lately, an incremental development got Heartland Boy excited once again! The ShopBack Button now automatically applies coupon codes to maximise a user’s savings while shopping online. In other words, not only is Cashback tracked after...

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How CPF Has Evolved To Keep Up With The Times

As Singapore progresses economically, so does the aspirations of its people. Today, Singaporeans are enjoying higher living standards, living longer and are also more likely to stay in their own homes. In tandem with this, there is a need for the Central Provident Fund (‘CPF’) to evolve and keep up with the changing times. That is especially important as CPF plays a significant role in major aspects of our lives – whether in retirement, home ownership or healthcare protection. 1. CPF LIFE Provides Income for Retirement Needs As we enjoy higher living standards, the often-asked question is how much...

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Why I Am Determined To Be The Last Sandwich Generation

A video recently released by NTUC Income has gone viral (again) and it struck Heartland Boy on several chords. Heartland Boy is not here to validate or debate about NTUC Income’s video production skills but he must confess that it has inspired him sufficiently enough to pen a blogpost about the topic in focus- the Sandwich Generation. The video encapsulates one of the goals that Heartland Boy has been striving towards- to be the last Sandwich Generation in his family. What The Sandwich Generation Means The Sandwich Generation is defined as parents who have to support their own children...

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Heartland Boy Is A Finalist At The SGX Orb Awards

Last week, Heartland Boy was truly humbled to be nominated as one of the 3 finalists under the Category of “GoTo.com” at the 2019 SGX Orb Awards. Although Heartland Boy did not win, the nomination was welcome in many ways. It was the perfect opportunity for Heartland Boy to take stock on the short and eventful blogging journey that he has walked thus far. It also made him appreciate the current circumstances in his life and the reflection gave him more fuel to continue this passion. SGX Orb Awards According to SGX, the SGX Orb Awards seeks to recognize...

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How I Save With Keppel Electric And M1 Broadband Bundle Deal

Heartland Boy had previously written about how anyone would be able to save monies on their utilities bill simply from switching out of Singapore Power. As the Open Electricity Market was rolled out progressively in Singapore, he waited with bated breath until 1 May 2019 when his own BTO became eligible to buy electricity from a participating retailer. Given that he was moving out of his parents-in-law’s place into his own apartment, he was also sourcing for an Internet service provider at the same time. As the man of the household, he was tasked to recommend the most cost-effective...

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Free Baby Stuff and Samples First-Time Parents Must Not Miss

Congratulations on being first-time parents! The feeling of welcoming a new family member can be so incredibly exciting and yet overwhelming at the same time. There are plenty of worries that you might have and one of it would inevitably be the added financial responsibility of raising a child. This particularly resonated with Heartland Boy when he became a first-time father to baby Olympia last year. To ease your concerns slightly, Heartland Boy has compiled a useful list of free baby stuff and samples that first-time parents in Singapore must not miss! Baby Essentials Gift Bags/Boxes 1. FairPrice Good...

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How Does Resale Endowment Policy Work?

Resale Endowment Policies, also known as Traded Endowment Policies, have been around for some time. In fact, a very mature market already exists in the UK. Unfortunately, resale endowment policy as an instrument for investment is not as well known in Singapore. Heartland Boy’s financial advisor did introduce him to this concept a couple of years ago but he was not very motivated to find out more then. Given that Heartland Boy has since experienced several new life milestones (such as being a father to Olympia), he felt that it was opportune to review if resale endowment policy can...

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How I Have Cheap Lunch Meals In The CBD With MealPal

Heartland Boy is always on the lookout for reducing the cost of his meals without compromising on the quality of the food. He has successfully done this through Eatigo, Shopback Go and the HSBC Entertainer App. He struck gold again recently when he was introduced to MealPal during a promotional event. In the month of June, Heartland Boy was enjoying restaurant-quality lunches that only cost $3.99 per meal. Yup, you read it right and there is no typo mistake. Indeed, MealPal allowed him to have cheap lunch meals in the CBD and much more! Here is Heartland Boy’s review...

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What Baby Insurance I Bought For My Child

One of the strategies that the Heartland Couple adopted as first-time parents was division of labour. As simple as it sounds, it helps to minimise duplication of efforts and keep their sanity in check. As a counsellor, Heartland Girl naturally gravitated towards topics such as well-being and communication. Meanwhile, since Heartland Boy is passionate about personal finance, he took on the (no-less important) responsibility of purchasing insurance policies for his newborn. He got his independent financial advisor to propose the best policies available in the market at that time and compare the pros and cons of each policy plan....

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