Author: Heartland Boy

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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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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