Author: Heartland Boy

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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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 10km2 located in the State of Kelantan, Malaysia. CNMC owns 81% of Sokor Gold Field, with the minority owned by the Kelantan government and royal family. The business model of CNMC is relatively...

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How to Choose An Insurance Agent

Most people do not actively seek out to choose an insurance agent. In fact, it is often true that they stumbled upon their insurance agents by chance. Either these insurance agents have made cold calls, knocked on their doors, stopped them at roadshows, or were simply friends just starting out in the insurance industry. For Heartland Boy, it is a nice gesture to support your friends but it can also get tricky when the lines are muddled. He believes that one should not simply leave it to chance and settle on any insurance agent (or financial advisor representative or...

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SRS Account to Boost Retirement Planning

Supplementary Retirement Scheme (‘SRS’) Account Unlike the previous recommendations by Heartland Boy, namely, Transfer from Central Provident Fund (‘CPF’) Ordinary Account (‘OA’) to Special Account (‘SA’) and CPF Retirement Topping-Up Scheme this recommendation of utilizing the SRS Account  requires a little bit more effort. This is because this is a voluntary scheme and not a compulsory scheme such as the CPF. One has to first apply for a SRS Account with any of the 3 authorised local banks – DBS, UOB or OCBC. Nonetheless, Heartland Boy assures you that this little effort is worth your time as the SRS...

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How to Choose Your HDB BTO Unit

You have followed Heartland Boy’s tips on which HDB BTO project and unit type to bid for. Now you have gotten your queue number and are monitoring with bated breath as the units available for sale get whittled down each day. Not to worry, Heartland Boy is going to leverage on his professional experience in the real estate industry to give you some tips on how to choose your HDB BTO unit. Ah, finally some credibility for once. Heartland Boy is going to use St George’s Tower, a HDB BTO project in Boon Keng, as a case study. This...

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