Author: Singaporean Talks Money

What to do with your angbao money? Save, spend or gamble?

With Chinese New Year coming to an end soon, almost all angbaos would have been received. So what do you usually do with the angbaos received? I would usually just deposit the money into my bank account. And this is also what most Hong Kong children are doing as well. I came across this article which mentions that a substantial proportion of children in Hong Kong are saving their angbao money, of course they might be forced by their parent’s to do so but it is a good thing.  According to the article, many children in Hong Kong were...

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Buying without looking at the price tag

My friend and I talked recently as we both just started working. So we asked each other what our ultimate goal of working shall give us. He told me that he hope he would be able to like treat his friends at a restaurant or buy things without looking at the price tag. Well, that would be crazy but at least it is something that he is aiming for and it’s really nice of him to think of the people around him enjoying as well when he becomes rich. Many people want to achieve financial independence for certain reasons,...

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Dividends collected in 2018

A late update on the total amount of dividends I have received in 2018. So in 2018, drum roll……….I received a total of………… $273.05 of dividends from my portfolio. Not much but of course this was the year I entered the stock market and so I am pretty happy to see some dividends coming in even though my portfolio is still in the red. I have read many articles mentioning that you should first build up a substantial amount of money first or to increase your income before getting into the market to prevent commission charges from eating up...

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Travelling right after graduating

My exams ended on Oct 2018. Many of my friends started travelling after that and many travelled to a few countries at once. Some went to Europe and also to more expensive countries rather than like Thailand or neighbouring countries that are more affordable. I think it is good to be travelling when you are young as you have more stamina and are up for more risky activities. My friend’s cousin for example took a loan from her parents after she graduated to travel around Europe for a month and after she came back, she started work and slowly...

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Time to BTO!

I recently met up with my polytechnic friends as well as my university friends. In those 2 group, there were individuals who have applied for a BTO unit with their significant other. One of them have even successfully gotten a BTO unit. When I first heard about their plans, I was like wow…..we are all getting old now. And that they are really planning for their future. I mean I met my polytechnic mates when we were all just 17 years old so every time I meet them there is that impression that we are all still young. But...

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HAPPY LUNAR NEW YEAR!

5th Feb 2019 would be the first day of the Lunar New Year. For me, it will also be my year as I am born in the year of the pig, Oink Oink. With the weeks following up to CNY, many of my colleagues and my mum changed new notes to give out during CNY. With the changing of new notes, DBS bank has actually introduced a angbao with a QR code which would then allow the moneyto be digitally transferred.  Good initiative but for many, cash is still much more shiok to receive. Every year, I would help...

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Goals for 2019 – Physically, Mentally and Financially

January 2019 is coming to an end soon and I realized that I haven’t set any goals yet for this year. Goals are essential because they are a target for you to work towards and even if you were not able to achieve it, at least you were in the journey of achieving it. For me, I don’t usually set goals but for this year, I like to try to have some goals to make myself to be a better me. HAHA. Physical Goals: – I hope to at least exercise two times per week either by skipping or...

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January 2019 Portfolio review – Added Far East Hospitality Trust and Nikko AM STI ETF into my portfolio

In January, I added 1800 shares of Far East Hospitality Trust (Q5T) into my portfolio. I bought in at a price of $0.610 each. I have been planning to add more REITs into my portfolio. Currently, my portfolio has 2 REITs, First REIT (AW9U) and CapitaLand Retail China Trust (AU8U).  Far East Hospitality Trust consist of Far East Hospitality Real Estate Investment Trust and Far East Hospitality Business Trust. They have 13 properties with 9 being hotels and 4 being serviced residences. Hotels Serviced Residences Oasia Hotel Novena Regency House The Elizabeth Hotel Village Residences Robertson Quay Orchard Rendezvous...

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Getting more healthpoints to redeem vouchers

So after starting work, I have many colleagues who wear the steps tracker issued by HPB. I also do have one but I wasn’t wearing it everyday. However, since everyone at my workplace wears it and clock their steps, it made me also wear it everyday to clock my steps. I think it’s a really great program by the government to let us exercise for points which can be exchanged for vouchers. In the previous National Steps Challenge Season 3, I did manage to redeem some vouchers to use and it was quite fun but to clock up the...

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Tidying up with Marie Kondo – CNY spring cleaning

Recently, I was on Instagram and saw a few people posting about them clearing their room according Marie Kondo. So I went to search and realised that it was a Netflix show, I went onto Netflix and watched the first episode. I only watched till the 3rd episode. To be honest, the first episode was pretty boring as the original house, I wouldn’t say it was like messy but it was okay. The second episode was pretty exciting for me as their home was really cluttered and it was cluttered with many things with memories making it pretty tough...

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What will you do with 9 MILLION?

On 3rd Jan 2019, 9.7 million was won by one person and this ticket was bought at Changi Business Park which is near my work place. With it being so near, when everyone got back to the office the next day, my colleagues were saying that if anyone took urgent leave and didn’t come on that day, the person must have strike the prize. HAHA. During lunch that week, we all talked about how we would divide the 9 million if we had won it. A few of my colleagues mentioned that it would not be enough for us...

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Earning points and redeem free food or rewards as you take public transport

My mum’s friend mentioned to her about this ez-link card app where u link your ez-link card to the app. This would then allow you to redeem things as you use your ez-link card.   So the things that you can redeem for now are quite limited. Usually, I would just look at the food and beverages section. They currently only have Curry puff from Old Chang Kee, donuts from Dunkin Donuts and QQ rice. So what you have to do is to key in your ez-link number found at the back of the card into the app (note...

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My life in the 2nd week of January 2019

Monday (7/1/19): This is a very dreaded week as it is the week after all the holidays. Haha, this means we are back to 5 days work week. My alarm rings and I reluctantly get out of bed to get ready for the day. I leave for my workplace at 7.30am and tap into the station before 7.45am to get the discount for my transport. I pay $0.72 for my trip to work.   Lunch time and I am eating my lunch that I prepared the night before. I ended work at about 6.45pm and my journey back cost...

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Do you always ask for credit card waviers?

There have an article about why companies still charge annual fees when people usually would ask for waivers. Of course, the most common comment for that article was that there are many people who would not bother getting that wavier as they could be too busy or lazy hence allowing the bank to profit from it. Some credit card annual fees are also different in that they allow you to clock up miles or points after paying the annual fee. When I first knew about credit cards, I knew that it was a form of payment, however, I was...

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New segment being incorporated into the blog in 2019! (Coming soon)

As we usher in the new year, I feel like incorporating a new style of writing into my blog as I have realised that my recent articles are not as interesting as previously as I write more about stuff on the news than my own personal experience. So this new component that I will be bringing in will be a weekly series of how my life goes and at the same time, I will incorporate my expenses, salary and financial things that I do in if possible. So it will be like a diary kinda concept.  I came across...

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