Author: Heartland Boy

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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My HDB BTO renovation experience with an interior design company

When Heartland Boy’s supervisor at work asked him how his renovation experience was, he replied matter-of-factly, “No major issues so far and they handed over within the timeline as well”. Heartland Boy’s supervisor was surprised and commented that Heartland Boy was incredibly lucky. Indeed, luck could have played a part but Heartland Boy thought that due diligence efforts should not be overlooked either. This is his HDB BTO renovation experience with an interior design company and find out why he would recommend the services of his interior designer in this blog review. Interior designer or renovation contractor from hell...

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Boustead Projects Limited: Initiation Report

Boustead Projects Limited (‘BP’) is a leading industrial real estate solution provider listed on the SGX. It provides high-specifications industrial projects that are built to suit its clients’ needs on a turnkey basis. It is also the real estate business arm of mainboard-listed, engineering services group Boustead Singapore. By way of issuance of dividends in specie of BP shares from Boustead Singapore, BP IPO-ed on 30 April 2015 at 88 cents with ticker code SGX:AVM.  As at 21 June 2019, it has a market capitalisation of SGD$285 million. The business model of BP is plain and simple; it offers...

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The Open Re-Offer Of Balance HDB Flats Sales Exercise- First Come First Served!

HDB recently launched a new HDB Sales scheme whereby would-be home owners can choose to apply for unselected flats from the Re-Offer of Balance Flats (‘ROF’) pool at any time of the year! This was the “new scheme” that the National Development Minister was talking about on his blog back in February 2019. Being curious, Heartland Boy decided to delve deeper into this new scheme and see see which group of aspiring home owner can potentially benefit from it! Open Booking of Unselected Flats from ROF Pool Funny thing is that the Ministry did not come up with a...

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How to hire transfer maid without maid agency in Singapore

With a newborn and a new house to take care of, the Heartland family are constantly exhausted from all the household chores.  With both of them having full-time jobs to handle, they needed to outsource some of the more menial daily activities to an external person. They tried a part-time maid but that was not a perfect solution for their household. As such, they commenced their search for a foreign domestic worker (‘FDW’), or commonly known as maid or domestic helper in Singapore. They took the unorthodox path of applying for a transfer maid without the help of a...

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OCBC 360 Savings Account Changes Yet Again… But For The Better

OCBC 360 Savings Account has made its 4th major change in 5 years. Heartland Boy knows that you are probably getting change fatigue by now, especially if you are one of those early adopters back in 2014. However, hear him out (i.e. read this article) as there’s only good news to share this time round. That’s right, savers should rejoice as OCBC has handed out goodies without taking anything away. Yes, OCBC 360 Savings Account changes yet again, but for the better this time round. Effective Salary Bonus Is Now 1.6% From 1 April 2019 onwards, the Salary Bonus...

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With ShopBack Button You Will Never Miss Out On Free Money Online Again

Heartland Boy has been a loyal user of ShopBack for several years now but a couple of things still annoy him: Forgetting to go to merchant store via the ShopBack website; Purchasing from a merchant store not realising that it is listed on ShopBack Such careless mistakes have agonizingly led to some hard-earned cashback going down the drain. #leakage However, such heart-rending episodes shall now be a thing of the past as ShopBack has launched an improved version of the ShopBack Button. If you have installed ShopBack Button (you get $5 cashback bonus on your first purchase) just like...

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How To Easily Earn Up To 3.5% Cashback On HSBC Advance Credit Card

For the past year, Heartland Boy has only been receiving up to 2.5% cashback on his HSBC Advance Credit card. That was because he did not think it was worthwhile to qualify for a HSBC Advance Banking relationship just to earn an additional percentage of cashback on the HSBC Advance Credit card. However, a recent chat with a friend at a wedding lunch made him realise that there are actually a variety of ways to qualify for HSBC Advance status. One of them has such a low barrier to entry that almost ANYONE can qualify for HSBC Advance! Here...

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