Author: Heartland Boy

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 with the in-laws can be a tricky issue if it is not managed well. While some people make this transition seem like a non-event, it is also not uncommon to see fall-outs between the...

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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 front runner. As chances of a Donald Trump victory increases with each passing day, the stock market has reacted by tumbling steadily the past week....

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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 the Singapore stock market, it is not enough to simply identify a good stock, it is equally important to buy a good stock at the right time. Therefore, after identifying undervalued stocks, Heartland...

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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 Boy dutifully established a joint bank account and dumped all his savings into it. To be fair, Heartland Girl’s proposition does have its merits. It just needed some fine tuning and a...

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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 made up the bulk of his holiday budget. These are almost inevitable costs unless you offset the cost with air miles or couch surfing. Since everybody enjoys a good deal, Heartland Boy would like to share how...

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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 the obvious actual performance of your stocks, it is just as important to pay attention to your transaction expenses. When Heartland Boy first started investing, he was using established brokerage platforms such...

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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 peril, as Heartland Boy had painfully learnt. Only after following the protocol correctly was Heartland Boy finally granted permission to discuss openly with Heartland Girl on the choice of housing. However, things were...

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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 immediately took a liking to Shopback and began to save on online shopping with cashback. So here is his review on Shopback. What Is ShopBack? Shopback was founded by a group of...

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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 engineering fraternity. Its principal activities can be categorised into 2 business segments: High Security Products such as ATM safes, commercial safes and weapons safes Business solutions such as auto ticketing machines, gaming machines, money...

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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 further from the truth because a typical request to make changes to the website usually goes like this: Heartland Boy, “Dear, can you help to create a new menu category named ‘Resources’?” Heartland Girl, “Call me...

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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 retirement funds. Why Invest Your SRS Funds? Your money in SRS Account earns 0.05% per annum. Therefore, if you contribute to the maximum annual limit of S$15,300, it earns a grand total...

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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 National Day Rally were directly related to their examinations, lives. In this way, as the proverbial teacher armed with all the answers, Heartland Boy had no choice but to watch the National Day...

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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 quality associated with purchasing bridal packages. Heartland Boy must confess that the process of choosing the perfect wedding photographer was driven by Heartland Girl. According to Heartland Girl, Heartland Boy has no appreciation for beautiful photography. In the...

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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 own analysis.) After generating ideas through these conversations, Heartland Boy would then put these ideas through a rigorous and systematic test to ascertain if this is truly a Singapore stock...

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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 high-dividend stock in one’s portfolio. The bulk of its portfolio is in Jakarta and hence this initiation report will have a focus on the Jakarta retail market. It can be considered defensive in...

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