Author: Singaporean Talks Money

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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Have a financial goal? Try Budgeting!

Awhile ago, an article on budgeting came out on TODAY. It covered on how you can manage your money by budgeting. Budgeting has always been a way for me to portion my money. I wouldn’t say that I am super proficient in budgeting but I just like to give myself an estimate amount that I can spend or not spend. It actually all started in polytechnic when I took up part-time jobs. I wasn’t saving for anything as I haven’t gotten into investing and wasn’t planning to save for any big ticket item. I just enjoyed seeing the balance...

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Getting my first pay – How am I splitting it up?

I received my first full pay recently and although not a huge sum, I have allocated portions of it to different areas. I have my pay credited into a POSB account which is linked to my DBS multiplier to allow me to earn a higher interest. For my pay, I have presented it in a percentage form where I used 100% as the take home pay after CPF deduction. Here it is: I am happy to finally be able to give some allowances to my mum, although not much but at least it is something that I always wanted...

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Investing is RISKY yet REWARDING

A few weeks ago, TODAY came out with an article titled “Investing in stocks can be risky, but rewarding.” (read it here!) The article roughly covers on how in 2008, the market crashed. And STI rose to a high before dropping again in mid November 2018. The article also wrote that in the long term no other products perform better than stocks. However, to make it work, an individual would need to have a plan. One way is to not be so affected by fluctuations and if you are in your 20s or 30s, you can recover from short...

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Investing is RISKY yet REWARDING

A few weeks ago, TODAY came out with an article titled “Investing in stocks can be risky, but rewarding.” (read it here!) The article roughly covers on how in 2008, the market crashed. And STI rose to a high before dropping again in mid November 2018. The article also wrote that in the long term no other products perform better than stocks. However, to make it work, an individual would need to have a plan. One way is to not be so affected by fluctuations and if you are in your 20s or 30s, you can recover from short...

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Christmas, the season of giving (SPENDING!)

Christmas is almost HEREEEEEEE and it definitely is a very festive holiday as it marks not only the birth of Jesus Christ but also as the season of giving. My mum loves getting gifts for people because she feels that people have been nice to her and it’s the time for her to give back and show thanks. This year, her favourite place to get all her gifts was at a supermarket called Meidi-ya at Liang Court. Some of the interesting things there were Latte Jam, Matcha Jam, Royal Milk Tea Jam Small cute bottles of truffle oil Konnyaku...

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Christmas, the season of giving (SPENDING!)

Christmas is almost HEREEEEEEE and it definitely is a very festive holiday as it marks not only the birth of Jesus Christ but also as the season of giving. My mum loves getting gifts for people because she feels that people have been nice to her and it’s the time for her to give back and show thanks.   This year, her favourite place to get all her gifts was at a supermarket called Meidi-ya at Liang Court. Some of the interesting things there were Latte Jam, Matcha Jam, Royal Milk Tea Jam Small cute bottles of truffle oil...

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