Author: Turtle Investor

What Happened After Thirty Months Of Collecting Air Miles

[Psst. No affiliate links for credit cards sign-ups because few people read my blog haha.] How time flies. It has been thirty months since I started my little project to start collecting air miles. What gives? OK, the bad news first. I regret to inform that I have not flown on Singapore Airlines Suites Class yet. This is not due to a lack of air miles but rather, life have its way taking control. My plans to fly on Suites Class have been thwarted on several occasions, and for now, the elusive Suites Class remain out of reach for...

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I Love Singapore’s “Struggling” Malls

Horror stories sell, I suppose. I’m sure journalist Andy Mukherjee from Hong Kong knows a lot about the retail REIT scene in Singapore. Cue the usual narrative. Threat of online shopping. Retailers closing physical stores. Rents scraping bottom. Insert a picture of an empty looking building for additional impact. Orchard Road was mentioned twice – Hmm, I wonder why. Wait a minute. Didn’t the retail-REIT giants recently announced quarterly results? FCT 96.0% portfolio occupancy as at end-Mar 2019. CMT 98.8% portfolio occupancy as at end-Mar 2019. What I am saying is that perspective and context matters. The retail REIT scene...

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The Same Breakfast (Almost) Everyday

I have the same food for breakfast everyday. To be more precise, only on working days. I go wild on weekends and on vacations. My standard weekday menu pretty boring – One egg One cup of Kopi-O I’m rather lazy, and definitely not a “morning” person. I have experimented with and tried different kinds of breakfast, but I frequently got hungry before lunch time, regardless of whether it is of the healthy or unhealthy variety. From the gourmet perspective, oh no – my breakfast is extremely bleh. How boring is that! I’m luckily a creature of habit and routine,...

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Switched To Ohm – Bill Sneak Peek

I have no wonderful story to share regarding how little electricity I use. On most months, my household (just wife and myself) usage levels slightly exceed the national average. Blame it on cool air and two desktop computers. What can I say? I spent a fortune on air-conditioning and I’m willing to pay for comfort. 😀 Let’s take a sneak peek at what happens after the electricity retailer switch happened. After signing up, my official Ohm Discount price-plan supply start date was 09-Mar-2019. This means that – 07-Mar-2019 to 08-Mar-2019 : SP Group ($13.59) 09-Mar-2019 to 31-Mar-2019 : Ohm ($61.61)...

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MoneyOwl Investing With Dimensional Funds : Bionic Robo

There is a new robo-advisor in town! After waiting patiently while they rolled out their ‘Insure’ and ‘Wills’ components, the ‘Invest’ aspect finally launched today. Image Credit : MoneyOwl Website MoneyOwl has a good website with plenty of information so give it a read to see how it compares with the existing competition such as AutoWealth, StashAway and Smartly. The main selling point to me, is the use of Dimensional funds. If this is new to you, Kyith from Investment Moats wrote a comprehensive article on Dimensional funds. In my opinion, it is a close match to what AutoWealth...

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Why Do I Have A (Small) Dividend Portfolio?

.. Because it is fun! The first edition of Andrew Hallam’s Millionaire Teacher (THE book that changed my life) was the first time I was introduced to the concept of stock picking via “play money”. I spoke with Andrew once in real life and got his autograph like a fan-boy 🙂 If I recall correctly, one of the rules in Millionaire Teacher sort of states that if one really can’t help it, devote not more than 10% of the portfolio to stock picking. Anyway, the idea behind that rule was exactly what constantly kept investing fun and interesting to...

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AutoWealth ETF Selection Update (NYSE:BWX)

The other day, I logged-in to my account after receiving a notification from AutoWealth that re-balancing has been carried out. I wasn’t expecting ALL of iShares International Treasury Bond ETF (NASDAQ:IGOV) to be sold! Texted my AutoWealth financial consultant on WhatsApp and had gotten the answer before the official mailer made its way to my inbox later that day at 9pm. We are very pleased to inform you that we have completed our bi-annual ETF review. AutoWealth conducts this review to ensure your investment portfolio consists of ETFs of the highest quality. In our review, we screened close to...

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Turbocharge CPF-SA After Hitting “MediSave Ceiling” (2019)

It is painfully obvious that the constant name changing causes confusion for people trying to find out information about Medisave and Basic Healthcare Sum (BHS). A quick look on the popular search terms that people are using revealed the following – Basic healthcare sum 2019 Medisave ceiling 2019 Medisave limit 2019 Medisave minimum sum Medisave Contribution Ceiling (was actually the official term until it was renamed in 2015 to Basic Healthcare Sum) People do have a very good idea of what Basic Healthcare Sum is! For now, all we need to know is that Basic Healthcare Sum is the...

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Limited Time Offer : Premium Membership (Lifetime Access)

I’m not exactly sure why people visit my blog. What I do know, is that there are plenty of lurkers! I enjoyed the interactions, either via comments, emails or the newly added Telegram group chat. Thank you for those who joined, even more so for those who had dropped me a private message 😉 I have always felt that having your support makes the journey a lot more interesting than a lonely walk by myself. I’m not on a fast-track to FIRE. I’ve stumbled and fumbled along the way. I get up, and get on with it. A Brief...

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I Love $50 Cheap Getaways. Let’s Go!

J3B is the ultimate triple destinations for Singaporeans to go travelling on the cheap – Johor Bahru, Batam and Bintan. (OK maybe Bintan isn’t that cheap) Gonna be visiting this Bintan beauty one day. Soon, I hope.(Credit : TripAdvisor) Since I’m on the topic of cheap getaways, I’m going to be heading to Johor Bahru for our cheap getaway once again. Delicious food and cheap buys. Movies and massage when we feel like it. Stayed at various hotels including Holiday Villa, Amari and KSL. No special reason for picking KSL this time except that it is VERY cheap when...

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I Attended Binance Crypto Conference In SG + 5 Observations

Binance Blockchain Week Singapore took place from 19-22 January 2019 at MBS. The conference itself was only two days, from 21st to 22nd. #1 Interest has waned Hardly any of the talks gathered a full crowd – most of the time the hall was less than half full. The bear market has taken its toll on the community. The light at the end of the tunnel is that, even at this low point, see point #2: #2 Speakers remain positive .. on the prospects and potential of blockchain technology. This is the best time to work hard at the...

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How I Gave Myself Pay Raises

I see articles about optimizing expenses and how it will quickly hit a floor/minimum, because there is only so much we can reduce our spending. It is true. At the end of the day, we need to spend on essentials like food, transport and utilities which we are unable to cut out of our lives. Nevertheless, the practice of budgeting (You Need A Budget) and tracking expenses have given me good insights into the kind of expenses that I can cut, and yet still maintain an extremely comfortable way of life. It basically allowed me to give myself tiny...

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Resort-Living Using Affordable Alternatives

As big fans of the resort lifestyle, my wife and I have spent a considerable amount of money when it comes to renovating our apartment seven years ago as well as on day-to-day consumables. Most of my furniture at home are wooden ones. They are very soothing on the eyes, smell awesome and a major plus point is that they age beautifully. Seven years on, none of my furniture needed to be changed and are still going strong. During big festivals like Chinese New Year and Hari Raya in Singapore, I always see discarded furniture at the bottom of...

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Does Your Shared Post On Facebook Look Weird?

Writing this post is probably slightly off-topic for my blog. Then again, bloggers do enjoy reading other blogs so this is little tip here can be a life-saver. When I blog, I have a standard routine that I follow. After my blog post is published, I would usually do a quick share on Facebook and Twitter. This pushes out content and makes it convenient for followers to know that a new post is available. RSS feed makes it really easy to follow too, if you know how to use it. I usually don’t send a link to my Facebook...

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Service Cannot Be World-Class Without Improved GST

Once upon a time, I was in the service industry and it was a period of time that was very enlightening in so many ways. It is safe to say there wouldn’t be this blog if I didn’t had that experience back then. I was hosting travellers from all over the globe at a hostel in Chinatown, and the type of people what I interacted with are simply mind-blowing. There was a visiting professor at National University of Singapore who stored most of his work-related stuff in the office. He thought a hostel was fine for his needs. There...

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