Author: KPO and CZM

Expenses – March 2019

We went to the first Southeast Asia Pokemon Safari event in Sentosa and CZM managed to catch a shiny Lapras! KPO was not as lucky :'( A post shared by KPO & CZM (@kpo_and_czm) on Apr 21, 2019 at 4:49am PDT Current Profile: 29 years couple who got married recently but staying separately with our own parents while waiting for the BTO project to be completed this year. Our total expenses were $6,954.84! The breakdown would be as follows: KPO Expense Fund (our common fund): $3,383.45 KPO: $2,576.78 CZM: $994.61 VacationVacation continues to be our biggest expense. We will be travelling to the USA/Canada due to Cathay...

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StashAway – March 2019

Yay! Long weekend! Happy Good Friday and Easter everyone! We will be going to the pokemon event in Sentosa tomorrow. Will you be there too? Hahaha. Anyway, we have 3 portfolios now due to our new strategy – New Strategy: StashAway + Supplementary Retirement Scheme (SRS):KPO and CZM Cash – StashAway Risk Index 20% KPO SRS – StashAway Risk Index 13% CZM SRS – StashAway Risk Index 13% 1. PORTFOLIO SUMMARY (as of the last day of the month) KPO CZM Based on the statement (28 February 2019), KPO made $371.11 and CZM made $12.04. KPO CZM As of 19 April 2019, the market has recovered...

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Whole Life Insurance – Do We Really Need Them?

A few weeks ago, a friend approached me and asked for my advice on a whole life insurance plan that his agent tried to sell him. He is not finance/investment savvy so as much as I would like to tell him to “buy term insurance and invest the rest”, it is definitely not something he is going to be comfortable with. Another reason why he is more interested in whole life as compared to term insurance is that he wants the cash value that comes with it. Majority of the people want something back after paying all those premium for many...

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Another Bad Deal – Merger of OUE Commercial REIT & OUE Hospitality Trust

An announcement was recently made on the merger of OUE Commercial REIT and OUE Hospitality Trust. I took a look and realized how the merger is a bad deal for both the existing shareholders. In addition, this happened after the OUE Commercial REIT rights issue less than a year ago – OUE Commercial REIT Rights Issue – Very Very Very Bad Deal which meant a double blow for OUE Commercial REIT shareholders. OUE Hospitality Trust shareholders will be receiving $0.04075 cash + 1.3583 new OUE Commercial REIT shares for every existing OUE Hospitality Trust share. Let’s look at the numbers to see why I deemed...

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Honeymoon to the United States – 5 Days 4 Nights in Las Vegas and Grand Canyon

Continued from our previous post – Honeymoon to the United States – 3 Days 2 Nights in Los Angeles and finally, we have reached the final part to our honeymoon, Las Vegas and Grand Canyon! Day 12Expectation:8:00AM: Drive down to Las Vegas2:00PM: Visit Las Vegas casinos along the Strip6:00PM: Visit Hell’s Kitchen, Las Vegas Reality: Las Vegas is approximately 435km away from Los Angeles. We checked out of our hotel in Los Angeles at around 10am and it took us 5 hours to reach Westgate Las Vegas Resort & Casino, our hotel at Vegas. Our accommodation at Vegas is probably...

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KPO’s Credit Report by Credit Bureau Singapore

This is one of the many posts that was sitting in draft mode for a long long time. Taken from Credit Bureau Singapore – What Is A Credit Score? Firstly, what is a credit score? It is a number used by lenders as an indicator of how likely an individual is to repay his debts and the probability of going into default. It is an independent assessment of the individual’s risk as a credit applicant. This will affect your credit card application, mortgage/home loan, etc. You can refer to the detailed explanation from our Credit Bureau. Next, how do I find...

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Portfolio – March 2019

We have hit a new high/milestone this month with a portfolio of $400k! Technically, we can sell off all our shares now, pay for our 4 room BTO and we will be debt free. lol. Of course not, we will never do that and I have blogged about it previously – Chiong Housing Loan or Take It Slow? Our portfolio increase by 5.38% to $400,263 – $1,469.57 of capital withdrawal and $21,919.17 of capital gain. The one in blue is the StashAway portfolio, green is SGX and the total is in black. If you prefer to look at numbers, this is the raw data used to generate the above bar graph. These numbers...

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Expenses – February 2019

We spent almost every weekend meeting IDs and they are all charging so differently. Most have GST while some don’t. When we prompt further, we were told that they have multiple “companies” under their name and they can split it such that customer will not incur GST. Another annoying thing is that the payments have to be made in either cash or cheque, no credit card means no miles/cashback back for such big spending. Anyway, we will be taking a break from the renovation/IDs and do some fun stuff! We managed to grab some preview tickets for our family...

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Lazada Surprise Box – Save or Waste Money?

Lazada had its 7th Birthday sale recently (27th March 2019) and I was shopping away. The surprise box concept is not new but this is the first time I actually purchase it. Essentially, you do not know what you are buying and pay $37-$47 to get a box of surprise/unknown items worth $120-$150. Some of them have sneak peek (like below) which allow one to guess what will be in the box. The box that got my attention was the Lazada x Spigen Surprise Box because I knew that the case + wireless charger is definitely worth more than...

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StocksCafe API for Stock Data

Ever since Yahoo abandoned us, we were left stranded without a data source to fetch stock prices. I previously blogged about an alternative – Bye Yahoo Finance! Hi Alpha Vantage! but it has its limitations too. For unknown reasons, sometimes it just doesn’t work/return the price of a particular stock code/counter. I suspected that it could be due to the high number of API calls and added additional control such as retrieving the stock price only if we are still owning them but it still wasn’t very successful. As a result, I even modified my google spreadsheet by having a second...

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StashAway – February 2019

CZM has successfully sold my DJI Phantom 3 Advanced Drone for one-third of its original price this week and it felt like a piece of me went missing :'( The drone was like her greatest enemy because I spent a huge amount of money on it (~$1.6k) and the utilization is really low. The number of flights can be counted with 2 hands since 2016? In addition, whenever we travelled overseas, it would always take up half of the luggage, only for me to fly 1/2 times. Anyway, we have 3 portfolios now due to our new strategy – New Strategy:...

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Expenses – January 2019

We received an email from HDB that our house will be ready soon and the email states that we can collect the keys around May! Taken from Qanvast – https://qanvast.com/sg/interior-designers/voila-45 CZM spent a lot of time designing the house (something like the above)/floor plan using ppt and we sent out to a bunch of IDs for quotation. Some of the quotations we got were around 50-70k. Faints! As mentioned previously, I will be tracking our total expenses as a married couple starting this year. I can foresee that our expenses for this year will be the highest ever due to...

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REITs Ladder

I previously blogged about how one can achieve higher interest for the DBS Multiplier account and introduced the concept of a bond ladder – DBS Multiplier + SSBs + Joint Account = Higher Interest! Do take a look if you are looking for a relatively high savings account with a low hurdle (no minimum credit card spending required!). A quick recap on a bond ladder – It is an investment strategy to generate passive income at regular intervals. Passive income – who doesn’t love them? Using Singapore Savings Bonds (SSB) as an example, each SSB pays out interests every 6 months....

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Portfolio – February 2019

Everyone has their “poison” and mine happened to be electronic gadgets >.<” Went to the IT fair over the weekend and bought a NAS (Network Attached Storage). If you have no idea what is that, it is very normal. CZM does not understand why am I spending so much money on it too. lol. Synology DS918+ with 8GB RAM 4 x 3 TB Seagate IronWolf NAS Hard Drives Guess the total price? Shall reveal it at the end of the post. Haha. This is probably going to be one of the longest portfolio updates because there were lots of transactions so...

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StashAway – January 2019

This is a long overdue post! February passed by so quickly (our first CNY as husband and wife + fell damn sick) and we just came back from our Mini-Moon in Bali (3 days 2 nights) last weekend. After this, there is still our expenses report and it is taking me a much longer time because I am trying to track CZM’s expenses too. Hahahaha. Our monthly update will be different because of our new strategy – New Strategy: StashAway + Supplementary Retirement Scheme (SRS) and we have 3 portfolios now:KPO and CZM Cash – StashAway Risk Index 20% KPO SRS...

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