Author: Heartland Boy

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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Holiday Adventure In The Popular United Kingdom

Whenever Heartland Boy tells his friends that he gets inspirations about his holidays from the weakness of the foreign currency, he is often met with weird stares. Heartland Boy typically shrugs this off in a self-deprecating manner. He simply wants to get greater bang for his buck. So when BREXIT struck in June 2016, the idea of a holiday adventure to the ever popular United Kingdom was formed.This idea began to gather strength as Heartland Girl gradually complained about a serious lack of welfare at the organisation despite working selflessly to build heartlandboy.com. In an absolute helpful manner, she mooted the suggestion...

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How Investing In Foreign Property Destroyed My Family Wealth

When Heartland Boy applied for a role at a real estate developer after graduation, the hiring manager asked during the interview, “you graduated with a degree in Business Management, why do you want to work in the property sector?” Heartland Boy replied, “My experience with the real estate sector started when I was only very young, probably at 6 years old. I understand that many households in Singapore have had very good experiences with property investment. Their HDB values had doubled or tripled over the years as a result of Singapore’s economic growth. However, my father invested in foreign...

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Why You Should Get The Unlimited Cashback Credit Card

Having recently experienced an interest rate reduction on his deposits, there is finally some good news coming from the banking industry. A competitor, Standard Chartered Bank (‘SCB’), just released a very attractive credit card- the Unlimited Cashback Credit Card. We all know that cashback is all the rage these days. By targeting right at the primitive desires of consumers, it will not be surprising to see them soon make a beeline towards SCB. Here is why Heartland Boy thinks you should get the Unlimited Cashback Credit Card. Unlimited 1.5% Cashback On All Spend Standard Chartered’s Unlimited Cashback Credit Card...

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Why Heartland Boy Switched To UOB One Account

The OCBC 360 Account has always held a special place inside Heartland Boy’s heart. Convincing Heartland Girl to switch to OCBC 360 Account was the first finance related advice that Heartland Boy ever recommended to her. Heartland Girl beamed with joy whenever she saw the huge monthly interest rolled in. This recommendation cemented Heartland Boy’s position as a dependable personal finance consultant in Heartland Girl’s heart. Since then, any finance related recommendation by Heartland Boy was greeted with staunch submission and unreserved approval from Heartland Girl. With the second change in as many years to the OCBC 360 Account,...

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ISOTeam Limited: Initiation Report

Business Model of ISOTeam Limited (‘ISO’) ISOTeam is founded in 1998 and listed on the SGX Catalist in July 2013 at an IPO price of $0.22 (equivalent to $0.11 today after a 1 for 1 bonus split in 2015). It is founded by David Ng (Chairman), Antony Koh (CEO) and Danny Foo (Director of Operations). The founders collectively own 42.1% stake in ISO through their investment vehicle, ADD Investment Holding Pte Ltd. Therefore, they still have their skin in the game. ISOTeam is an established service provider of repairs, maintenance and estate upgrading works for public and private real...

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How Heartland Boy Earned $1058 Cashback In 2016

2017 was the first year that Heartland Boy officially stopped receiving angbaos. This meant that he can no longer rely on red packets to grow his annual savings. However, Heartland Boy received greetings and well-wishes from the recipients in exchange. To be able to see the smiles on the children’s faces reminded him that he has now matured into a full-fledged adult with more responsibilities. Now that Chinese New Year is over, Heartland Boy decided to console himself by recounting the total cashback that he has received in 2016. A majority of his cashback in 2016 came from expenditure...

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3 Ways Your Parents Can Grow Their Retirement Funds

Money is an emotional topic in Heartland Boy’s family, and often, also the root of all problems in the household. This can all be traced to the diverse perspectives on money held by his family members. As age catches up, Heartland Boy’s parents find it increasingly tiring to stand behind the wok for long hours to serve up a good bowl of fish soup. What is even more worrisome is that his parents have not prepared for retirement, and hence retirement funds are almost non-existent. Some Chinese parents that are steeped in Confucian values, Heartland Boy’s parents included, often...

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A Suitable Valentine’s Day Gift

When it comes to a suitable Valentine’s Day gift, Heartland Girl has certain OB markers. A HDB BTO surprise application on Valentine’s Day is a uniquely Singapore phenomenon. However, she would certainly disapprove of any guy who bids for a HDB BTO without first proposing to the girl. This simply drains all the romance out of the relationship. Therefore, any guy harbouring such thoughts for the upcoming February HDB BTO sales launch this Valentine Day would do well to take heed. Having been together for several years, it gets increasingly difficult to find a suitable Valentine’s Day gift for...

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Viva Industrial Trust: Initiation Report

Business Model of Viva Industrial Trust (‘VIT’) Viva Industrial Trust is a business-park focussed REIT listed on the SGX since November 2013. It manages a portfolio of 9 properties (2 Integrated Business Parks, 3 Warehouses and 4 Light Industrial Factories) in Singapore.  It collects rent from the tenants and after netting operating expenses, the rents are then paid out to unitholders as dividends. As a REIT operating in the industrial sector, it is very much tethered to the manufacturing sector of Singapore. Investment Merits of Viva Industrial Trust 1. Business-Park Focused REIT Viva Industrial REIT has the highest concentration of Business...

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How To Achieve Financial Goals In 2017

In keeping with the start of the year, Heartland Boy decided to set some financial goals in 2017. He believes in a dual pronged approach of growing both his income and minimizing his expenses. He truly identifies with the article written by Cheerful Egg, and would like to set in place several systems to achieve his financial goals in 2017. To achieve his financial goals, he intends to both grow his income and decrease his expenses in the following ways: 1. Outperform The STI By 10% As revealed in the article about his investment performance, Heartland Boy managed to outperform...

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What Heartland Boy Learnt From Working In Jakarta

Despite being only 1 hour and 20 mins away by plane, most Singaporeans would never visit Jakarta unless they absolutely have to. For Heartland Boy, that “absolutely have to” moment came in January 2016 when he was posted to Jakarta for a 2-year work assignment. It’s absolutely unbelievable how fast one year had already transpired. Since he is halfway into his overseas secondment, it is an apt time to pause, take stock and reflect on the first year that had passed. Heartland Boy would like to share what he had learnt from working in Jakarta thus far. Never Take...

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