Author: Turtle Investor

CPF News – $60,000 Basic Healthcare Sum For 2020

It has been called so many names. Some people still refer to it as CPF Medisave Limit or Medisave Cap Limit. A short history lesson : In its previous iteration, the official name was Medisave Contribution Ceiling (MCC) but on 1st January 2016, MCC has been renamed as Basic Healthcare Sum. So, what is it?...

Read More

Singles Day 11.11 Tip : Lazada Voucher Triple Stacking

11.11 sale is upon us again and I’m all ready to shop! (Nah, not really) Went a little overboard last year with my stash : This year, I won’t be splurging but instead, I’ll be buying one item only, and it’s for work 🙂 If you remember my post a few months ago, I shared on how Lazada allows for pretty amazing vouchers stacking like what you see in the image below when I got my Dyson on the cheap : For the Singles Day 11.11 sale (or basically any sale) tip on Lazada vouchers triple stacking, this is basically how it...

Read More

No, I Haven’t Got It All Figured Out

Look what I found when I was doing some packing during the long weekend! Once upon a time, Papa/Mama CPF loan wasn’t really an option (hint: there wasn’t much in them) so I couldn’t borrow from them. Long story short, I ended up borrowing from the bank for my university studies. Not too sure if...

Read More

We Can Absolutely Redeem US$100 KrisFlyer Business Class Flights

I have written on the guide on the stopover hack. It is located here. As one would expect, many people like it – but yes, they were skeptical. Also, since we’re here in Singapore, there are plenty of short-haul flights that make it really easy to use this travel hack open secret! Scenario – Pool Villa Addict The scenario. Let’s assume that you are a pool villa addict like me who frequently fly back-and-forth between Bangkok and Bali. Flights : DPS (Bali) > SIN > BKK (Bangkok) > SIN > DPS > SIN > BKK > … Presenting Exhibit...

Read More

DIY RSS/CPF Life For Peanut Butter Toast Generation

Sandwich generation [noun] : a generation of people, typically in their thirties or forties, responsible both for bringing up their own children and for the care of their ageing parents. A lot of chatter about the sandwich generation recently due to the NTUC Income video, especially when it is something that many of us can identify with it. We are frustrated with the situation and yet, we feel that there is so little that we can do. Credit : Toast Box For me, I’m not quite the sandwich generation. I definitely relate more with peanut butter toast. For my...

Read More

Dad Used $289.60 Of My CPF-MA (Yes, He Can)

I might have written about this before (and people ask me how I can keep writing for so many years *laughs*) but this is absolutely worth writing again. Our parents can use our CPF MediSave (CPF-MA) money if they have exhausted their annual limit. Especially for folks with chronic conditions, this is important. My dad has cardio medical issues which meant lots of medication. He may have five-figures in his own Medisave but once the annual limit for outpatient treatments is reached, he will be asked to cough up cash for payments. As you can see, my annual limit...

Read More

The 12th Man For AutoWealth

If this is not your first time here, then you might remember a few blog posts that I have written about AutoWealth. Today’s post is going to be a yet free marketing post for the robo-advisor known as AutoWealth, and I’m their 12th man. Although I do have a five-figure portfolio value with them, I want to stress that almost everything written below is publicly available information. This is also not a post about whether AutoWealth is better than the rest. I feel that the robo-advisors community as a whole have drastically changed the investment landscape in Singapore and...

Read More

C-ries : Free Spotify From Crypto.com (003)

A little under two years ago, I wrote about a crypto project named Monaco. I’ll be the first to admit that I wasn’t pinning high hopes on it in terms of achieving any results, but it has proven me wrong – much to my delight. It has since rebranded itself from Monaco to Crypto.com. Imagine how much that domain name would have cost. The project itself has evolved quite a bit and would take significant time to dissect. While you can read all the relevant information from its website, let me share how I have been using the blockchain...

Read More

When Personal Finance Is Like Buying Dishwasher Liquid

Since I was young, it was natural to learn by watching my parents and observing what they did. My mum was a housewife for quite some years and did plenty of cooking. In all of my memories, Mama Lemon was the go-to brand when it comes to dishwashing liquid. Of course, I grew up and got my own place. Now had to purchase my own household supplies. Naturally, I gravitated towards buying Mama Lemon without a second thought. Being the savvy consumer I knew thought I was, the tools at my disposal were infinitely more. I can compare prices...

Read More

C-ries : Free Crypto From Coinbase Earn (002)

In my last blog post, I wrote about creating a MetaMask wallet. Then again, I know it isn’t much fun without any real crypto to play with – which brings me to what I’m about to write. I feel that the real tipping point is when people can earn crypto, rather than buy crypto. When I am buying crypto, it is hardly anything more than a transfer of value from one asset class (cash) to another (crypto). So. Coinbase is basically a centralized fiat-to-crypto exchange. Yeah, fiat money as in currency. Centralized because if they got hacked or ‘closed...

Read More