Positive Experience With A Professional House Mover In Singapore


Readers of Heartlandboy.com would know that Heartland Boy and Heartland Girl chose to purchase a HDB BTO flat over a HDB Resale flat. Having chosen this option, they now face an almost unbearable wait of 4 years before their HDB BTO would be ready. Having heard the wise words that a big space is not necessary for procreation, Heartland Boy decided to move into Heartland Girl’s house as an interim … [Read more...]

InvestingNote: Get Tips On Stocks From Experts


With the launch of fintech festival last November, Singapore has signalled its intention to be a serious fintech hub in the world. Heartland Boy is hugely supportive of this initiative because he has personally benefitted from some local fintech startups; namely Shopback and Carousell. In this post, he is pleased to share with his readers about the merits of InvestingNote. What is … [Read more...]

Why Honeymoon In South Africa


Deciding where to go for your honeymoon is actually a more tricky issue than it seems. This is especially true for Heartland Boy- an anxious henpecked husband perpetually worried about pleasing Heartland Girl. Well, Heartland Boy was very pleased that marriage life got off on a brilliant note with a romantic honeymoon in South Africa. They had an amazing time in such a far flung, exotic and … [Read more...]

Financial Steps Upon Death Of Spouse


A few months before their marriage, Heartland Girl had this question for Heartland Boy, “Dear, you must tell me what financial steps to take if you pass away.” That question caught Heartland Boy by surprise and he had no answers then. However, he realized that death of partner is not something frivolous that can be dismissed easily. (Just for clarification, Heartland Girl never says anything … [Read more...]

4 Tips for Moving in With the In-Laws


Heartland Boy and Heartland Girl purchased their HDB BTO (‘Housing Development Board Build to Order’) unit in early 2015 and have to wait till 2019 before their love nest is ready. In the interim, they made a collective decision for Heartland Boy to move into Heartland Girl’s family home. Financially, this was a prudent choice. However, this was still a difficult decision to make as moving in … [Read more...]

Investment Strategy For US Election 2016

The US Election 2016 is another event that could have a profound impact on the global stock market. Similar to BREXIT, there is a known date for its occurrence. The US Election 2016 is set to take place on 8 November 2016 (US Time), and the results will probably start to filter in by 9 November late afternoon. (Singapore time) Given the latest FBI probe, Hilary Clinton is no longer seen as a clear … [Read more...]

When to Buy Stocks In Singapore


Earlier, Heartland Boy wrote about the tiring process of finding the real prince from the pool of frogs. Readers may be disheartened to learn that that is only Step 1 in Adam Khoo’s proven investment strategy. The fundamental analysis merely tell you WHAT stocks to buy on SGX. Therefore, the next logical question to ask is WHEN to buy stocks in Singapore. Indeed, to make consistent profits from … [Read more...]

Important For Married Couple To Have Joint Bank Account

On the happiest day of his life, Heartland Boy heard this, “Your money is my money. My money is my money.” Heartland Girl conscientiously slipped this into her marriage vow. Heartland Boy was momentarily stunned. Why she never warned Heartland Boy earlier? Did she just add a new chapter into her protocol of a Singaporean marriage? For they say that a happy wife is a happy life, Heartland … [Read more...]

How To Save on Hotel Accommodation

The holiday season is coming up and many Singaporeans will be travelling overseas to take a good break just before the year ends. Similarly, Heartland Boy is busy making preparation for his two-week trip to London. Yes, he confesses that he does sometimes get inspirations for his holiday destinations from currency weakness. During his preparation, he noticed that flight and hotel accommodation … [Read more...]

Standard Chartered Brokerage Is The Cheapest


Heartland Boy has received a few enquiries from readers on the brokerage that he uses to purchase and sell his shares in Singapore. For the uninitiated, a brokerage firm allows you to buy and sell shares on the stock market. For providing this service, brokerage firms charges a commission fee for each transaction that the customer makes. To improve your returns from the stock market, aside from … [Read more...]

Why Heartland Boy Chose BTO Over Resale


Having proposed to Heartland Girl in 2014, the next correct step would be to decide on the roof over their heads. Correct step? Yes, that is because Heartland Girl has firmly entrenched a modus operandi on family formation in Singapore. Therefore, any Singaporean male who has an intention to settle down would do well to heed the advice of Heartland Girl. Transgress this process at your own … [Read more...]

Shopback: Save On Online Shopping With Cashback And More!


Readers of heartlandboy.com would know that Heartland Boy continuously finds ways to reduce the cost of his weekly flights from Jakarta to Singapore. For instance, he books his air tickets using the ANZ Optimum Credit Card to enjoy 5% cashback. He also takes Uber instead of regular taxis. He thought that was the furthest he could stretch his dollar, until he was invited to try Shopback.  He … [Read more...]

Dutech Holdings Limited: Initiation Report


Business Model of Dutech Holdings Limited (‘Dutech’) Dutech is a global leading manufacturer of high security products and operates in a niche market that is generally recession proof. It is headquartered in Shanghai and has about 2,500 employees globally. It serves a global customer base and has factories in Europe and Asia. It is led by Dr Johnny Liu, a respected figure in the Chinese … [Read more...]

Best WordPress Website Creation Course In Singapore


Readers would know that Heartland Boy is the chief content writer of heartlandboy.com while Heartland Girl is the artistic one who designed heartlandboy.com. Heartland Boy had the naïve thinking that this was a team effort playing at each other strengths; Heartland Boy is more adept at writing while Heartland Girl is more competent in website designing and coding. To his horror, this couldn’t be … [Read more...]

Invest SRS In ETF


Readers of heartlandboy.com would have been aware that both Heartland Boy and Heartland Girl had opened SRS Accounts in 2015. Heartland Boy and Heartland Girl’s SRS Accounts are with DBS and OCBC respectively.  While SRS is a great way to reduce income tax, Heartland Boy also views it as a complementary pillar to his retirement funds. Indeed, he has invested SRS in ETF in order to grow his … [Read more...]

3 ‘Ds’ To Remember From National Day Rally 2016


National Day Rally used to be an event that Heartland Boy’s tutees dreaded. That is because when Heartland Boy was still a young and dashing part-time JC Economics tutor, he used to give “open-ended” assignments based on the National Day Rally. Most of the tutees found this assignment quite strange at first until Heartland Boy was able to demonstrate how the economic policies mentioned in the … [Read more...]

How To Choose The Perfect Wedding Photographer


Ideally, everybody wants to choose the perfect wedding photographer. In reality, this is often a difficult process fraught with too much information from the numerous vendors available in the market. Even choosing between an all-in bridal package versus an independent photographer is not an easy decision in itself. This is because there are horror stories of additional costs involved and poor … [Read more...]

What Singapore Stocks to Buy?


The first question on most investors’ lips usually is “Eh bro, what Singapore stocks to buy ah?” To be fair, Heartland Boy also asks his investor and analyst-friends the same question. However, the only reason he does so is to generate ideas. He never buys stocks simply based on friends or analysts’ recommendations. (Confession: Heartland Boy used to do that in the past but now he only trusts his … [Read more...]

Lippo Mall Indonesia Retail Trust, Initiation Report


Business Model of Lippo Mall Indonesia Retail Trust (‘Lippo Mall Trust’) Lippo Mall Trust is a business trust listed on the SGX which manages a portfolio of 19 malls and 7 retail plaza across Indonesia.  It collects rent from the tenants and after netting operating expenses, the rents are then paid out to unitholders. Therefore, it behaves exactly like a REIT and should be considered a … [Read more...]

CNMC Goldmine Holdings Limited: Initiation Report


Business Model of CNMC Goldmine Holdings Limited (‘CNMC’) CNMC is a relatively young gold mining company founded in 2006 and headquartered in Singapore. Its principal activities are exploration and mining of gold, as well as the processing of mined ore into gold dore bars. It was listed in the Catalist Board in 2011. Its flagship project is the Sokor Gold Field, a mining area of approximately … [Read more...]