Summary Of Changes Relating To Residential Property

The Ministry of finance made an announcement last week on the changes relating to residential property. Most people who own private properties would be happy to hear about this news as some measures have been relaxed. Summary of changes: 1. Additional Buyer’s Stamp Duties (ABSD) and Loan to Value (LTV) Limits While many people hope for the ABSD and LTV limits to be relaxed, the government … [Read more...]

Unlimited 1.5% Cashback With This New Credit Card

I love good deals so when I heard of this new credit card by Standard chartered, it seems too good to be true. Standard chartered bank always try to come up with good deals to attract consumers. From a consumer point of view, this is definitely good news. For example, many years back they had this savings account which gives 2% cashback on any spending if we use the debit card. I used it to pay … [Read more...]

Multiple Streams Of Income – Can It Be Done?

The fear of having not enough money or losing our job makes one think about how to create multiple streams of income. It has been a popular topic since many years ago in this uncertain world we live in. Just these few months, I've heard a few people got retrenched. This makes me wonder when will I be next?However, when we are already so busy with our work, how do we even have more time to create … [Read more...]

The Future Is Female Conference – A Women-only personal finance, empowerment and lifestyle conference

Did you know there are more and more female investors now in Singapore? With women's earning capabilities going up to be similar to that of men now, many are looking at alternative ways to manage and grow their money. For the first time in Singapore, there will be a women focused financial conference for all the females out there. Often, investment seminars are packed with men and this may be a … [Read more...]

Starhub – Dividend Investing Gone Wrong


There are many developments in the Telecommunication industry with the entry of a fourth operator soon in Singapore. As we all know, Singapore has 3 Telcos here namely Singtel, Starhub and M1. The 4th Telco which is coming will be TPG telecom. Let's take a look at Starhub in this post and see what went wrong with the share price falling from a high of $4+ to $2.80 now. Starhub was once a … [Read more...]

My financial goals to make the most out of 2017


It’s a new year again. How has 2016 been for you? As we begin the new year, it is time to reflect on my goals for 2016. Here are some goals I set for 2016: Advancing in my career  In 2016, I wanted to advance in my career after being in the same job for the past 6 years. I figured that if I continued to stay on, there wouldn’t be much progression. I also wanted to go into another industry … [Read more...]

Getting Out Of The Comfort Zone For Better Financial Health

Humans are strange creatures, many of us have different personalities and interests but one thing we all like is this thing called comfort zone. This sets the baseline for our life. The thing about comfort zone is everyone's zone is different. This is what makes it so interesting and how we can make use of this knowledge to have a better financial health. We often hear the phrase "you need to … [Read more...]

Can’t Get BTO Flat? What Are The Other Options Available?

Applying for a BTO may not be as easy as it seems with many couples trying many times and still can't get the flat they want. BTO stands for Build To Order where the government will launch new flats every 3 months for couples to try their luck in getting one of the units. The November 2016 BTO was especially hot with good areas such as Bedok, Kallang and Bidadari (Toa Payoh). All these locations … [Read more...]

Goodbye 2016 and Hello 2017

I thought of just writing some thoughts down before the year 2016 comes to an end. This year has been a year of breakthrough with my new job starting on 3rd January next year. It will be a total change in industry and job scope which I'm both excited and worried about. For this year, I had 2 overseas trips, one to Taiwan with my girlfriend and her family and another one in Hong Kong with my … [Read more...]

Woods Square Offices – The first office development in Woodlands Regional Centre


New Launch!The first office development in Woodlands Regional CentreIntegrated office development with retail, F&B and childcare centreLocated in the center of Woodlands' transformation - a Singapore government-led initiativeConnected to two MRT lines - North-South Line and Thomson-East Coast LineOnly 1 MRT Station ride to upcoming Singapore-Johor Bahru Rapid Transit System (RTS)No ABSD. No … [Read more...]

5 Days Trip In Hong Kong and Macau – Day 2


Day 2 of Hong Kong was all about Disneyland. Disneyland is located in Lantau Island which is near to the airport. To get there, Simply take the MTR and transfer at sunny bay station to the Disney resort line. There is a special Disney themed train to take you straight to Disneyland. Before heading to Disneyland, we went for breakfast at the famous Australian Diary company. As Disneyland only … [Read more...]

5 Days Trip In Hong Kong and Macau – Day 1

I just came back from a trip in Hong Kong with my family and my girlfriend joined in too for the first time with my familt. This trip took quite awhile to plan as I've never been to Hong Kong before. I had to read other people's blog and study the map and their train system in order to understand how to get around. Hong Kong is not exactly a cheap place to travel. For this trip, it wasn't … [Read more...]

How Much Can You Make From Investment? – Sharing Of My Personal Journey


Investing is a favourite topic among those who wish to achieve financial freedom. It is also a favourite topic for those who want to have more money in their lives. We invest for a purpose don't we? Many people ask how to start investing? I even have readers as young as 14 or 15 who ask how they can start investing. It is encouraging to know that there are many young people who want to invest. … [Read more...]

Getting Insurance Advice Without An Insurance Agent with Selfcheck

Have you heard that technological advancement will disrupt the financial advisory industry? We can now buy property without a property agent through an app. How about getting a Selfcheck on your insurance needs online? Now it is possible with a new digital “adviser” on DIYInsurance. Insurance is a tricky maze where most people are confused on what they actually need. Who can we trust to give us … [Read more...]

A New Era With A New US President – How Will The Future Change?

As we all have heard, Donald Trump's winning the US presidential election was quite a shock to most people. It was a shock because people are afraid he will do drastic changes to policies affecting trade around the world which causes instability. Just last week, President Obama backs off Pacific trade deal vote effort, which is known to us as the Trans-Pacific Partnership or TPP. This is an … [Read more...]

Comparing The Best Credit Cards In Singapore – Receive additional $30 worth of GV or NTUC Vouchers When You Apply For These Credit Cards

Credit cards seem to be very common now in Singapore where we can use this as a payment choice almost every where. Credit cards can also be destructive but it is advantageous to those who know how to use it wisely. As we all know, credit cards have many rewards system and it can be confusing which is a better choice. I personally love cash back options on credit cards which means every dollar I … [Read more...]

Tips For Refinancing Our Home Loans


Home loans... this is a major part for a property owner in Singapore. If you had bought a private property, you can only take a bank loan whereas for a HDB property, we can choose between a bank loan or a loan from HDB. Bank loans are structured in a way where if we do not refinance regularly, we will lose out on a lot of cost savings and end up paying more for our housing loan instalment. Many … [Read more...]

How you can save 24% of your tax, legally!


Source: CPF's website - Written By Byte Sized Investment Slightly more than half the year has gone and it is about time to review my annual financial plan. This is usually the time to consider budgets, cashflow and some tax planning for the remaining months of the year. So recently, I made a trip to CPF office to find out more details on how I could enjoy some tax relief, and at the same … [Read more...]

Is A Degree or Diploma Necessary?

There have been a lot of articles lately on the mainstream media which talks about private degrees and local degrees etc.  In the year 2000, only 26% of Singaporean residents between the ages of 25 and 34 are graduates. Now, more than 50% are graduates. However, the problem is not all 50% jobs in the market are for PMETs, which means many are doing a lower skillset job than what they possess. … [Read more...]

The New Phillip SGX APAC Dividend Leaders REIT ETF


Word has spread around of a new REIT ETF which has been launched for IPO just last week and closed on 13th October 2016. The ETF will begin trading in the market this Thursday 20th October 2016. REIT has been an all time favourite for Singaporeans as it provides higher than average dividends which is quite a good dividend income for many people. With the new REIT ETF, it will be easier to … [Read more...]