Author: KPO and CZM

Singapore Airlines Suites Experience – The Private Room

About a year ago, KPO blogged about Redeeming Krisflyer Miles for Singapore Airlines Suites. A year later, we started on our very first (and hopefully not last) Suites experience. Our adventure began a week before our trip, where we had to Book the Cook for our meals onboard. Refer to below for the meals selected. On the day of departure, we learnt that there was a First Class check-in area at Changi Airport T3. For those who have not been there before, you should see a huge sign directing passengers to the First Class drive up area when reaching...

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A Honest and Brutal Wedding Vendors Review

KPO has been nagging all the time that I have not contributed to any blog post since the establishment of this blog. So in order to stop his nagging (and he promised to do 60 sit-ups after I write at least one post), here I am! It has been two months since we got married (how time flies), and we have received our wedding actual day (“AD”) photos, so I guess it about time to write a review of all our vendors. Details on the prices can be found on here – Our Wedding Expenses is Within Our Budget! The following...

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Expenses – October 2018

Hello everyone! It has been a while and we just got back from our honeymoon early this week. There are so many things to blog about our trip (SIA Suite class flight, rented a convertible and almost got into an accident, outlets shopping, etc.) so stay tuned for them! October expenses were crazily high (5 digits!!) which was expected due to the various payment to the vendors for our wedding. Current Profile: 28 years old male who got married recently and is still living with his parents. Staying separately with his wife while waiting for the BTO project to...

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StashAway – October 2018

This is going to be our last post for this month before we fly to the United States for our honeymoon! I have just finished packing and have managed to squeeze out some time to blog. 1. ACCOUNT SUMMARY (as of the last day of the month) Based on the statement (31 October 2018), we lost $86.84. As of 12 November 2018, the total return has improved to $85.03. We lost -$222.95 from investment returns with a huge currency impact of  $307.98. Not good! In our last monthly update, I said that I would have preferred the USD to be weaker because we will be going to...

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Portfolio – October 2018

The global markets have been in red for the past few weeks and our portfolio was not spared. At one point in time, our portfolio even went all time red/negative after investing since 2015. In such a scenario, it would have been better if we simply left the money in a bank account. At the very least, the capital will be intact and the interest collected over the years will definitely beat the below performance. lol. We have a friend that lost his confidence and has stopped investing totally. Nothing right/wrong about it, just different risk profile/appetite. The thing...

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Singapore Airlines Suites – Book the Cook

Time flies! About a year ago, I blogged about Redeeming KrisFlyer Miles for Singapore Airlines Suites = 38.6% Cashback! and in a few weeks time, we will be going on our honeymoon! Singapore Airlines allows one to “Book the Cook” (BTC) if you are flying Premium Economy and above. That essentially just means that you can choose your main course way in advance (at least 24 hours before the flight) instead of what is being served in the in-flight menu. The menu/selections do differ based on the class of the flight you are taking and where the flight is departing...

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Expenses – September 2018

Our expenses are probably going to get higher and higher over the next few months due to our wedding (made lots of final payment on October) + our honeymoon trip to the United States. You can read about our wedding expenses here – Our Wedding Expenses is Within Our Budget! In addition, we are already thinking of buying these things in the US (KPO – GoPro HERO 7 Black and CZM – Dyson Airwrap) besides whatever “cheap” branded things we can find in the outlet malls >.<” Current Profile: 28 years old male planning to get married this year and is...

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Juggar – P2P Lending and Share Financing Platform

Disclaimer: This is our first sponsored article :) Edmond Tan, one of the Co-Founder at Juggar reached out to us when Juggar did a soft launch a few weeks ago. After a few emails to and fro, I thought that this was pretty interesting and agreed to write an article on it. What is Juggar? Juggar is a P2P lending platform for share financing platform. If you are familiar with the other P2P lending platforms available in Singapore, names such as MoolahSense and Funding Societies would come to mind where you will be the “debtor”, lending your money to...

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StashAway – September 2018

I blogged about StashAway Withholding Tax Reimbursement for FY 2017, compiled the total dividends and fees and concluded that the portfolio is pretty sustainable (dividends > fees) without injecting more funds. In hindsight, CZM’s decision to stick with the current P28 portfolio seems to be the better move as compared to a 100% equity (highest risk) portfolio as the stocks market went into another round of correction in the last 2 weeks. 1. ACCOUNT SUMMARY (as of the last day of the month) Based on the statement (30 September 2018), we gain $310.18. As of 18 October 2018, the total return has been...

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StashAway Withholding Tax Reimbursement FY 2017

2 weeks back, I received an email from StashAway titled “You’ve received a dividend withholding tax reimbursement” but have yet to look into it until a few days ago. Chances are you (StashAway users) would have received it as well. This was a pleasant surprise because we had long accepted it as one of the cost to invest in the US and were not expecting to get the withholding tax back. Interestingly, it was stated in one of the FAQs that the taxes can be claimed back and is done by the broker (in this case, StashAway’s broker is Saxo)....

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Portfolio – September 2018

This update is way overdue! We were too busy with our wedding (I probably sound like a broken recorder) and didn’t really had the mood to do any other thing. Now that it is over, I am back in action :) In total, we spent about $6.5k on our wedding which was within our budget. You can read this article for more information on the breakdown of our expenses – Our Wedding Expenses is Within Our Budget! On 11th Oct 2018 (last Thursday), the market went all red and our portfolio lost $9k in a day! If we were to include the...

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Our Wedding Expenses is Within Our Budget!

Hello everyone! It has been a while and our wedding is finally over! Both of us have been upgraded from S to M (not Small to Medium but Single to Married) <– that’s what our JP (Justice of the Peace/solemnizer), Mr. Mike Tam Chee Wah said. The ceremony was entertaining and he was able to alternate between both languages (English and Mandarin) comfortably. We certainly made the right decision to engage him as our JP. One of my brothers was so impressed with him and tried to book him for next year but he was already booked. Do try to...

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Expenses – August 2018

As usual, this should be my last post for the month before our big day! We will be having our 过大礼 (Guo Da Li – GDL) next week and it will be ten ten ten ten before we know it. Current Profile: 28 years old male planning to get married this year and is still living with his parents You can read more about how we manage our finances here. Removing our shared expenses which come out of our mutual fund (KPO Expense Fund), my expenses for August would be $3,008.64 – ($1,757.26 / 2) = $2,130.01. Wedding Banquet – We started...

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OUE Commercial REIT Rights Issue – Very Very Very Bad Deal

If you are an existing shareholder, you should be aware of the proposed acquisition of the office components of OUE Downtown. You might be aware that I actually do like rights issue as they present an opportunity to accumulate more shares at a lower price. However, I have sold all my OUE Commercial REIT today (8,000 units @ $0.605) and these are the reasons why I will not be participating this extremely bad deal (at least for my case). Some important numbers to take note:– 83 rights units for every 100 existing units– issue price of $0.456– TERP of...

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StashAway – August 2018 + An Unpleasant Experience

StashAway introduced 3 new portfolios last month and Financial Horse has done an excellent write up on it – The Weekly Horse: Review of StashAway’s new “High Risk” Portfolio. Do read it if you have not as it is definitely interesting enough for Michele, the CEO of StashAway to leave his comment. Due to the introduction of the new portfolios, we had some unpleasant experience with StashAway. This would have been a post by itself if we did not go to New Zealand and gotten so busy with our wedding preparations. I am willing to take on more risks (stock...

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