Author: KPO Adventure

Managing Finances As A Couple

Managing your finance is not easy and it becomes even more complicated when it involves 2 people. I do not think that there is a best way to do it but let me share our experiences :) Interestingly, the majority of the readers (79%) are male and 44% are in my age group (25 – 34) according to Google Analytics so hopefully, this would help you guys out there! One of the most debatable questions is should guys be paying for everything? As a KPO/guy, my answer is no but I guess it varies from couple to couple. Most/all of...

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New Trading Platform in SGX, iFast FSMOne – Is it any good?

You can refer to this article by Straits Times – iFast Financial launches stock-dealing services on FSMOne platform for more information but here is the summary:   Investors can trade in stocks and ETFs at 0.12 per cent and 0.08 per cent respectively (minimum of S$10 per trade), the company said in a release on SGX.   With the launch of SGX-listed stocks and ETFs on FSMOne, we are leading the commission rates for stocks and ETFs down. That sounds great but wait a minute, SCB has been doing that all along (minimum commission of $10)! At the back of my...

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KrisFlyer 50% Redemption Promotion on SilkAir

CZM has to take a 2 weeks compliance leaves every year and we were planning where to go this time round (we went to London, Iceland and Paris last year). Being a KPO and CFO, in view of the huge expenses last year and next year (wedding + travelling to US for honeymoon), I decided to impose a travel restriction this year.   But CZM gave me this look… So my heart melted and I said travel within Asia. We were deciding between Korea or Hokkaido since we have not been to both places yet but eventually settled for Hong...

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Good Lazada Giving Away Free 16 GB SD Card + $5 Voucher [Part 2]

My previous post on “Bad Lazada [Part 1]” has exceed 1,000 views and became one of my top post! It is only fair that I follow up and blogged on my refund experience with them too. After conducting my test, I initiated a full refund request where the goods purchased should be returned to Lazada. The instructions given was to print out the return form and a customer service associate will be contacting me to schedule a time to pick up the SD card. However, one day later, one of their customer service associate sent an email to me. Instead...

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Portfolio Update – May 2017

It has been 6 months since we I started blogging and unknowingly, the blog has crossed another milestone, it has more than >10k views! Thank you to all the readers out there and I hope that you guys enjoyed whatever stuffs we are sharing. CZM sort of lost interest cause she says this blog is not making money. We applied for Google AdSense but was rejected. lol. Let’s see if she ever returns… Our portfolio grew by 3.85% this month mainly due to capital injection. We saw some weakness in the price of Capitaland when it fell from a high...

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Bad Lazada – 128 GB SD Card for $12.27?!

KPO recently purchased a new phone and was looking for a SD card on Lazada. I was searching for the best value buy and finally found multiple 128 GB SD card selling for $12 – $20+. Can you believe it?? There is this sayings “If it seems too good to be true, it probably is“, this is the same for everything including investment (20% guaranteed return? lol). I did more research online and came across various sources stating that the firmware can be easily modified to show 128 GB when you insert the SD card onto your computer/phone but the...

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"Free" $105 Cash from Shopback (Cashback Site) + $20/$50 Capitaland Vouchers from Amex

If you have not heard of ShopBack, you have been missing out lots of cashback opportunities! If you know about it, good for you but do you know about “cashback” opportunities from Capitastar and Frasers Rewards? What is ShopBack? It is a website/mobile application which direct traffic to the relevant online shops such as Lazada, Expedia, etc. The merchants reward them with a commission for referring you to shop on their site and instead of keeping the rewards all to themselves, they share it with you! Once you have accumulated at least $10 in the account, you will be able...

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Chiong Housing Loan or Take It Slow?

I was chatting with a friend and congratulating him on getting his BTO a while back. I got a 4 room HDB for 430k while he got a 5 room HDB for 590k (both of ours are on mature estate and what a huge difference!). One of our conversation was on how he plans to take up a 10 years HDB housing loan and repaid it ASAP. I was telling him that he should start investing and let the money compound instead but he was more comfortable paying everything off. He said that the interest saved is quite substantial...

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Portfolio Update – Apr 2017

Our portfolio grew by 9.25% this month (through both capital injection and capital gain) bringing it to $236k! Total capital injection YTD (Year Till Date) is $57,818 and capital growth of $11,349. With that we have exceeded our target/goal for the year and we are on track to our 1 million portfolio in 10 years time – refer to Our Goals. For the month of April, we bought 1 stock (GuocoLand) and subscribed to Ascott REIT rights issue. GuocoLand has a NAV of $2.96 and has been paying dividends ($0.05/$0.08) over the years. This stock was brought to my...

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Portfolio Update – Mar 2017

March did not turn out as bad as I expected it to be. The Fed rate hike did not have much of an impact this time round, I guess it has already been price in. Our portfolio increased by another 6.68% from both capital injection and capital gain to $216,083. This month, we saw a lot of green green for our daily PnL from the report sent out daily by SGXcafe :) There was quite a bit of actions/transactions that happened during March. KPO decided to sell 2 stocks (SHS and Viva Industrial Trust) away to make room for...

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2017 Q1 Expenses

I have yet to receive my Standard Chartered March statement so portfolio update will have to wait. I did a review on my 2016 expenses and concluded that it was too high. 3 months have passed since then and let’s take a look at my Q1 expenses to see if they are below 1/4 of my last year expenses. Ideally, expenses should be less than $9,500, so how did KPO did? Wedding $3,000.00 Parents $1,600.00 Me $800.26 Food $703.28 Credit Card $617.00 Insurance $515.64 Treat $466.64 Vacation $442.66 Gift $308.00 Transportation $278.46 Entertainment $226.65 Gambling $20.00 Investment $2.00 Grand Total...

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CabRewards vs GrabRewards

CZM and I always do OT (sad life) and company policy allows us to claim our cab rides after certain hour. Last year, we were able to convert our CabRewards to $70 Comfort Delgro vouchers! These are the small little things that keep KPO happy. I will now analyze both options to see which is a better option. CabRewards  CabRewards is the first ever taxi rewards programme for Cashless paying passengers with Cabpoints. You need to create an account at their site and register up to 2 ez-link/NETS FlashPay card. Before making payment, tell the driver you want CabRewards and...

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KPO Analysis on Ascott Residence Trust (REIT) Rights Issue

Ascott Residence Trust (REIT) announce 29 rights units for every 100 existing units at a discounted price of $0.919 per share few weeks back to raise gross proceeds of approximately S$442.7 million. If you do not know what is a rights issue, you can read about it here. It is one of the way the company raise more fund to do all sort of things (acquire more property, expand business, pay debt, etc.). People generally do not like rights issue because it would dilute the equity/value that belongs to existing shareholders and it feels like the company is asking for...

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KPO’s Virgin IPO (Kimly) After 4 Years!

I have never participated in any IPO after investing for 3/4 years. The reason is because one cannot do that with SCB and I have been trying to resist all temptations in order to accumulate all my investment in one account. I no longer need to do that as I have achieved that goal last month! I am sure by now everyone is familiar with our (SGX) very first kopi-tiam (it means coffee shop in Hokkien, not to be confused with the food court Kopitiam) IPO – Kimly Limited. I would love to invest in Kopitiam and Koufu too...

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Capitastar and Frasers Rewards

As a KPO, apart from being thrifty, I tries to make sure that the money spent is fully utilized. For instance, I avoid paying cash/NETS as much as possible and prefer using credit card because there is rebates/miles/reward points. If you spend in either Capitaland Malls or Frasers Centrepoint Malls, you should participate in their loyalty/rewards programme. Simply register and download both android/apple applications to your phone and take a photo of the receipts! This way you can get a little bit from the bank and a little bit from the malls. Shiok! CapitaStar A quick introduction from their...

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