Author: Singaporean Talks Money

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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Automating my investment for Nikko AM STI ETF (G3B)

Since I started work recently, time has been rather limited for me to invest or to even look up on companies as compared to when I was studying. But in turn, for the exchange of time, I have some money earned and I can put aside a certain sum per month for investing. My first investment was made using POSB invest saver where I purchased Nikko AM STI ETF (G3B.SI) back in Oct 2016, which was quite a good time to start. After purchasing about 300 shares, I stopped as I wanted to put the money into other companies....

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Feb 2019 SSB rates dropped as compared to 2018

I have been placing my mum’s money into SSB monthly since she can earn a better interest rate as compared to placing her money in the bank.   I am trying to have her put in a fixed amount each month into SSB so that she can get a small amount of money every month which is a small supplement for her. This can also help her save more since she is still working right now and the small supplement can help her a bit if she were to retire like maybe to pay some bills. Feb 2019 Interest...

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Portfolio Review for 2018 – down almost 20%. Collected dividends of $307.05

With 2019 coming in just a few days, I have decided to post a portfolio summary for 2018 and of course record the performance of my portfolio for comparison in 2019. At the end of 2018, my portfolio is currently -17.67% without dividends included (28 Dec 2018).   You can take a look at my portfolio:  This is a significant drop for me as I entered the stock market only this year when it was at a high so ending the year with this performance definitely is painful for me.  However, I entered the market for the consideration of...

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Review of 2018 and expectations for 2019

2018 has been an eventful year for me. This was the year where I started investing and reading up on financial information. It is also the year where I started blogging more seriously on here, Singaporean Talks Money. 2018 has offered me many experiences, saving my first $10,000, graduating from university and finding my first job. It has also been a difficult year because just as I entered the market this year, the year didn’t end up nice as the market has dropped and my portfolio is down 20%. However, I am glad that the drop happened as I...

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