Author: The Turtle Investor

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 that my *ahem* advice would help their readers, and I am more than happy to contribute. STILL patiently waiting for Smartly to launch, but from email correspondences with Keir I’m confident it is...

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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 know! See past winners here, here, here and here. All giveaways are sponsored by your fellow readers who generated the necessary ad revenue to keep...

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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 fantastic traffic to start getting some decent earnings, don’t worry! You can see that my traffic is actually pretty average but the key is in the choosing the right program such as Monumetric. If we cast aside...

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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 toilet rolls after topping up each morning. Valid solution, but poor efficiency. Massive waste of man hours. So, how to improve the system? Improve the design! *drum roll* The...

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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 secret and common knowledge. I was wrong to assume. DBS Vickers Cash Upfront Account (Online) If you have a DBS Vickers account like me, you will see this when you log in...

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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 headed to the polyclinic to visit the doctor which confirmed the medical condition. I was given a choice of hospitals to choose from, along the...

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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 information, the actions of one will be interpreted by different parties in different ways when conveyed in different manners. In short, a big mess. I usually don’t like to dabble too much in trending topics but I...

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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 topics to complete the Maldives trilogy posts (Part 1 and Part 2), including credit card charge-back, how the USD currency is used as a tool against us, and why...

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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 about the distribution channels, and it is a critical one. To the best of my knowledge, travel agents have established agreements with resorts that allows them access to...

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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 be! Maldives paradise can be slightly more affordable, and of course within reach for the average folks. Kind of reminds you of my Average Joe air miles project huh?...

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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 Trust (FCT) Frasers Commercial Trust (FCOT) Frasers Hospitality Trust (FHT) Frasers Logistics & Industrial Trust (FLT) Come to think of it, this represents an excellent...

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Buy Low, Sell High – Index Investor Agrees

For background inspiration of this blog post, see this – Everything You Ever Need To Know About Investing. Which is a rather appropriate, clicky-baity blog post title, if you ask me! I might have written something like .. Decades Of Investing And He Finally Understands One Thing! Not bad huh? 😉 Bonus blog post – Buy High Sell Low, Not Buy Low Sell High (BULLy the BEAR) You might think that it is weird that an index investor would agree with “Buy Low, Sell High”. Shouldn’t our mantra be buy and hold for the long term? What happened to getting market returns? There are,...

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New Isn’t Always Better

As the end of my 9th in-camp-training nears, it has been more than 15 years since I’ve enlisted during my NSF time. Lots of changes have taken place since then. Army camps. Assault rifles. Cookhouse food. There is, however, one thing that hasn’t changed for me. My old, trusty, leather combat boots. Besides being a bitch in the beginning when the leather is so damn tough, once you’ve seasoned it the pair of leather boots is the one constant that has never let me down. 15 years and still going strong. Every year, I would see one camp-mate or...

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Portfolio Trackers I Use

A quick post to answer an occasional question that I get – what portfolio tracker am I using? Everyone has different preferences and different requirements, and I’m not going to get into the dirty details and rather, I’ll just simply sharing what I’m using and what I like about it. Financial Times – International & SGX A portfolio tracker I’ve been using for quite a few years that seemed to be little-known by many is by Financial Times. Financial Times doesn’t seemed to be that popular in Singapore but it ranks among one of the more important business read together...

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Useful Tips For Air Miles Credit Cards

My battle plan for the Project Singapore Airlines Suites is moving along pretty smoothly. Seems like I’m not the only one that’s playing this little game! Please feel free to share tips and good deals if you come across any. I think that this would be a fun little project, especially with year end approaching and that’s typically when my expenditure goes up a fair bit. Great for clocking those spending requirements to earn those bonus miles. Warning : The air miles game is not for you if you have problems paying your credit card bills in full every month. Close your...

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