The Future is Female Conference : Ticket Giveaway + Discount Code

Based on the demographics of visitors to my blog, it would seem that men are more likely than women to be interested in the areas of personal finance and investment.In terms of the people I know personally, the same trend holds true. Do you notice the same trend as well?Taking a look at my Index Investing Facebook Group, no doubt there are plenty of ladies in it as well but it would be fair to say … [Read more...]

Almost Impossible For An Average Joe To Earn One Million Miles In A Year

In December 2016, The Business Times had a sensational article on a Singapore family – a married couple with two kids – who is about to take a trip around the world in style i.e. Business Class, for “free”. Since then, mainstream publications has picked up on it (I mean, who doesn’t want to read about such extreme indulgence?!) and you can check out the links below. The skeptic in me went into … [Read more...]

A 5-minute Phone Call Saved Me $60

I did a really stupid thing recently. I had set up GIRO payments for my new credit cards (only use credit cards if you always pay in full every month), but I had forgotten that I had done so 🙁 And so, my credit cards statement came, and I went ahead and did manual payments. All good, so far. Due date came, and the bank attempted another deduction, which usually shouldn’t be a problem. They would … [Read more...]

ABF SG Bond Index Fund & STI ETF – DIVIDEND 2017

Yet another public service announcement brought to you by Turtle Investor. Every year at around this time, the visits to my blog would spike just a little because of folks who are looking for dividend information. As usual, SGX is one of the best source of definite dividends information and I’ll re-post it here. Here goes. ABF SINGAPORE BOND INDEX FUND ETF – 2017 Ex-Date : 03 Jan 2017 Record … [Read more...]

Choosing A Longer HDB Loan

A comment by Andy from Tacomob in a previous post on HDB loans led to this post. I was sufficiently intrigued to try and dig out my calculations from 5 years ago. Unfortunately, they are nowhere to be found. Heck, so I made new ones! This time, I cheated by using a financial calculator app, though. Sidetrack a little for now – I saw this post yesterday on buying a first home and the … [Read more...]

All Time Top 5 Blog Posts

Blog statistics are a treasure trove of information, and really fun to share! I’ve compiled the following top 5 posts, starting from October 2013 to December 2016. It doesn’t surprise me to find these posts being listed in the top 5. Unlike other blog posts, these contain information that are fairly timeless and would benefit readers who are interested, regardless of whether they read it now, or … [Read more...]

The Same Question Whenever STI Inches Upwards


From SPDR Straits Times Index ETF official website, distribution yield has now dropped to 3.04%. Price/Earnings is a little higher at 12.56, and Price/Book Ratio is 1.23 🙂 As the STI slowly inches upwards, the same old question pops up. Is it too expensive to buy now? I always refer them back to this post (see bottom half). What we know from history : – The Straits Times Index had carried a … [Read more...]

CPF Money That Keeps Growing (2017)

Not so long ago, my brother-in-law applied for the latest HDB launch of flats, and selected a 4-room apartment to ballot for. My brother-in-law had quite a few questions for me, but my memory is failing me as the process happened so long ago. Red Brick has an awesome infographic that answered a lot of his financing questions. Located right beside Woodleigh MRT, the apartment had a decent location … [Read more...]

I Started A Tiny Portfolio For My Wife

Recently, over the New Year, the strangest thing happened to me. My wife asked me to help her with investing her money. Which is the equivalent of snowing in June! Yes, I blog about personal finance and index investing. And no, I have never, ever bugged her about investing her money. The only thing that I “enforced” was for both of us to have integrated H&S MediShield plans with the … [Read more...]

Grabbing Hold Of The Winds Of Change

Hey, what happened to my annual review and/or new year resolutions post? Nah, I believe that change can happen whenever we want as long as our will is strong. I made Christmas resolutions haha! Which includes the usual – eat better, sleep better, and exercise better. Wear less contact lens. And unsubscribe to useless emails. Along the way, mr-stingy and Heartland Boy were kind enough to think … [Read more...]

Turtle Investor 4th Annual Giveaway Ends In Less Than 2 Days


FYI – the Turtle Investor Annual Giveaway 2016 is ending in a little over 30 hours! All you need to do is to subscribe to my blog (scroll down to end of the post) to be eligible for this and all future giveaways 🙂 If you’re already a subscriber, you don’t even have to lift a finger. The current subscriber count as of today is 674 which means the chance of winning is about 0.14% but hey, you never … [Read more...]

Blogging Income 2016

If $$$ numbers are what you’re interested in, let’s dive straight into it first. Ad Networks – Google Adsense : S$59.61 – Monumetric : US$463.46 Affiliates – Travel Smart Rewards : $68.00 – RedMart : S$280.00 – Airbnb : S$91.00 Others – Sponsored Post : S$90.79 Grand Total – Singapore Dollars : $589.40 – US Dollars : $463.46 Ad Networks If you’re thinking that you need … [Read more...]

Learning From A Toilet Roll Holder


In the past, life was simpler. So was design. Each restroom cubicle has one toilet roll holder which holds a single toilet roll. Not sure if any of you have noticed the restroom janitors rolling two partially used toilet rolls together to form a single, toilet roll, after which they will use it to replenish the toilet roll holder. This was their way of not ending up with endless partially used … [Read more...]

Turtle Tip : How To Pay Only $18 Per Trade


Boy : “You mean you didn’t know?”Girl : … Yes, it was one of those days when a normal conversation erupted into a WTF moment. Luckily, not at my expense though. StanChart’s implementation of the $10 minimum commission has come and gone by. Excluding the StanChart option, retail investors generally (but not always) pay $25 in brokerage fee per trade. But, you don’t have to. I thought it was an open … [Read more...]

A Taste Of Singaporean Healthcare And How Much It Cost


A few days ago, I had a minor operation done at Day Surgery Centre at the Khoo Teck Puat Hospital. Usually, it is good news if we don’t have to experience the healthcare system of our country. It was my first taste of the Singaporean healthcare system. For the benefit of all, I will provide a quick walk-through on the process. To get a referral to the hospital for my minor problem, I first … [Read more...]

Turtle Perspective – Terrex Twist

If there is a single most important thing that blogging has taught me, it is about perspective. Different people have different perspectives. Different parties have different perspectives. Even if you don’t blog, there are many friendly bloggers who constantly share their experiences and lessons. Dig beneath the surface just a little and you will easily hit gold. With the lack of complete … [Read more...]

Going To Maldives – Part 3 of 3 (End)

Our generation is a rather unique bunch of people. We are the people who pay to leave home. Just to experience things. Like a sunrise, for example. Not exactly sure when did this need or desire to travel started becoming the norm. Is it because people truly want to explore the world? Or is it because people want to escape from the world? Anyway, as promised I’ll be covering a few remaining … [Read more...]

Going To Maldives – Part 2

Weekend is coming, and it’s a great time to dream of that getaway. I like to tell long stories, so you’ll have to bear with me here 🙂 But hey, by Singaporean, for Singaporeans! You’ve got to admit that such stuff in local context are harder to come by. Travel Agents and Maldives Even with the proliferation of the internet, travel agents remain an integral part of Maldivian tourism. It’s all … [Read more...]

Going To Maldives – Part 1

General travel and money-saving tips work for most situations. The Maldives, however, is a different ball game altogether. Think of it as the intermediate level. Face it. You’re a carrot, like it or not. You WILL get chopped. It is only a matter of how much you get chopped, that is, if you decide to head to the Maldives. Fret not! The exclusive playground of the ultra-luxurious, it need not … [Read more...]

Frasers REIT ETF – Thinking Out Of The Box


I apologise if I have misled you into thinking that there really exists a Fraser REIT ETF. More of a pseudo-REIT ETF, if you ask me. Got meh? Why not think out of the box? Yes, the sharp-eyed you noticed it in my portfolio tracker post. It just meant I had it at some point in time. If you look at the structure of Frasers Centrepoint Limited, they are the sponsor of : Frasers Centrepoint … [Read more...]