Author: Heartland Boy

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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Heartland Boy Stock Investment Review 2016

Heartlandboy.com recently celebrated its one year anniversary. One of the motivations in starting a personal finance website was to have some form of public monitoring Heartland Boy’s investment portfolio. This indirect accountability adds a higher degree of responsibility when Heartland Boy manages his portfolio. Given that 2016 is behind us, let’s review if starting Heartlandboy.com has allowed Heartland Boy to improve his investment performance.  This is Heartland Boy’s stock investment review for 2016. Stock Investment Review Against STI Benchmark Since starting his first investment in 2014 Heartland Boy has kept a record of all of his investments. Fiscal Year...

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Expert Round Up: Best Financial Advice in 2016

Hey, 2017 is almost upon us. That means the inevitable urge to reflect and dwell on how 2016 has been has arrived as well. As Heartland Boy morphs into a pensive mode, along came the absolutely brilliant Heartland Girl. She who spends all her waking hours thinking of how to grow Heartland Boy had a brilliant suggestion. Heartland Girl decided that the readers have probably read and heard enough from Heartland Boy and are crying out for fresh perspectives. Never one to argue with Heartland Girl, Heartland Boy decided to round up a group of esteemed bloggers from the...

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How To Save On Income Tax In Singapore

As the year draws to a close, one of the tasks on Heartland Boy’s to-do list is to manage his income tax. Indeed, he advocates taking a proactive, rather than a reactive, stance towards managing one’s tax bill. In this article, Heartland Boy focuses on the tasks that must be completed within the current fiscal year in order for one to enjoy tax reliefs during the next tax reporting season. Specifically, he would like to recommend 4 lawful ways that every working adult can easily follow in the next few days so as to pay as little taxes as...

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How To Save Money When Dining Out

The festive season is around the corner and inevitably, you get more requests for meet-ups than usual. Coupled with the receipt of your year-end bonus, the temptation to splurge on sumptuous Yuletide feasts at restaurants with your loved ones is indeed great. As such, you may find yourselves dangerously close to busting your waistline as well as your monthly budget. Fret not, as Heartland Boy has several tips on how you can save money when dining out during this festive period. For those who are more concerned about your calorie intake, look no further to Heartland Girl’s blog since...

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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 measure.  Heartland Boy realised that the single-sized bed in Heartland Girl’s bedroom, despite being small enough to procreate, was not big enough for the 2 of them to sleep...

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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 InvestingNote? InvestingNote is a platform that allows investors to exchange ideas with other investors around the world. It rides on the phenomenon of social investing– where novice investors are able to follow the investment ideas or trades...

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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 idyllic continent. It has a myriad of activities catering to the adventure junkies, the nature lovers, the food gastronomers etc. Furthermore, these were all available at very good value for money. Given...

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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 frivolous anyway) This worry has its roots primarily because Heartland Boy has always been the one taking the initiative in financial planning for the household. To have Heartland Girl suddenly resume this mantle would...

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