Search Results for: miles

On STI, Air Miles And Giveaway Winner

The STI ETF has been doing a sideways dance since the first day I started investing in it on 24th December 2012. According to Stocks Cafe (previously SGXCafe), STI ETF has time-weighted returns (including dividends) of 13.2% during the same period. Meh returns? I suppose. I’ve always called myself an index investor, and not a passive investor. Index investing isn’t necessarily passive by nature. If you have a re-balancing strategy, you might have bought more during the early-2016 dip. Your returns might paint a very different story. My favourite image that I keep reposting. As of right now, the SPDR...

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$500K – Second Milestone Target Reached

This is an important milestone for me to journal so I could look back in the few years to come to see where I am today. It’s importance means so much to me that I think it deserves an article of its own. The last time I hit my first milestone of $250k (Link Here) was back in April 2014, where coincidentally I had my first son born on the exact same day. So many things have happened since then with my first parenting experience, the graduation of my MBA, the promotion of a new career role, and the...

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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 overdrive and based on my experience, it is ridiculously difficult to do what the “Singapore family” has achieved, even more so in less than a year. So,...

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Which Air Miles Card Should You Get First?

Note: This is NOT a sponsored post. Sometimes I like writing about the specific tools and resources that I use. Email me to let me know if you’d like more posts like these! Last year, I blogged about how I redeemed a Singapore Airlines Suites ticket to Zurich. Since then, I’ve been getting requests to blog about more tips and tactics anyone could use to earn miles and redeem them for free flights. Let’s start with this basic, open secret: You earn the most miles on the ground, not in the air. A lot of people believe that to earn lots...

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STI 3,000 and 250K milestone

STI finally broke through 3,000 points today.  Very contrasting start of the year 2017 than 2016.  While last year we saw the bear raging in the beginning of the year, this year look like it is the bull’s turn. The good news for me is that my reit trees planting in the last two months is already bearing early fruits.  While doing nothing yet in 2017, my total portfolio value crosses 250K for the first time in my investment journey. It has been a hard and bumpy ride reaching the 250K milestone.  ...

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Cory Diary : When higher Dividend has a Price ( $200,000 Dividends milestone within grasp )

Just when I thought 2016 will be the year my Dividend will finally dipped since embarking on dividend strategy, year-to-date I have hit another all time high of $34,117. And i will expect to hit $36,000 easily by year end. So what happened ? Thanks, but not thanks, due to “anticipated” Neretal special dividend of 15 cents but with more than 20 cents dent to the Share price after … a heavy price to pay for indeed if you are someone who has been tracking this counter. Is definitely not a Saizen. And I am not pleased. If anyone...

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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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Get 10,270 Miles Easily With KrisFlyer Amex Card

New to the whole KrisFlyer miles game? Great news for you. Decent offers are hard to come by but hey, if you’re just starting out this will give you some bonus miles for a start. 10,270 KrisFlyer miles to be exact. Almost enough to fly you to Bangkok! Find out how below. American Express Singapore Airlines KrisFlyer Credit Card Here’s how it works. Really simple with low requirements too. Just sign up for the credit card and spend $700 within the first six months. That’s it! Here are information that I grabbed off the terms and conditions. Welcome Bonus = 5,000 miles Welcome bonus...

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We should be Experiencing Financial Freedom before the Wealth Security at the End. Yet Wealth Security is still a worth while Milesone

B from Forever Financial Freedom did a review of his goal of retiring at 35 years old. And it turned out he is not there yet. His goal is to do it in 10 years, when he was closer to 25-26 years old and if he took stock today, it is somewhere close to midpoint. Some of the things that was impeding him was the rate of return but also the contribution amount came down over time. His contribution amount is defined as a combination of money from his disposable income and dividend income. When your Financial Independence Plan hit some...

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Playing The Air Miles Game For A Trip On Singapore Airlines Suites

Unless you’re extremely wealthy or is lucky enough to be flown around the world in business class or even better cabins for work-related trips, chances are that we would have to make do with budget flights and at most, economy class flight tickets when we travel. I mean, this is perfectly fine. Most of my flights are taken on budget flights like Scoot and honestly, I have very little complains. Flights are mostly just a form of transportation to me in order to get from point A to point B. To me, premium luxury travel is an experience to...

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The Carousell Miles Strategy: How To Evaluate Mileage Deals

Last week, I wrote a post about how my wife and I redeemed Singapore Airlines Suites tickets with our KrisFlyer miles. The next thing I knew, I was receiving tonnes of queries asking, “EH WHICH CARD YOU USE AH? I ALSO WANT TO FLY SUITES LEH.” Okay, okay. Ruh-lax. First of all, assuming that you can redeem a Suites ticket with just one credit card is like saying you can marry someone with a single pick-up line. It’s not that simple. Sadly, there’s simply no magic bullet that will give you a lifetime of free First Class travel without any...

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How To Get The Most Out Of Your KrisFlyer Miles

Since last year, I’ve been fascinated by the wonderful world of travel hacking. I’m still a novice at this game, but after doing some research and optimising our spending this year, it paid off: My wife and I used the miles we earned to redeem a ticket on the fabled Singapore Airlines Suites – something we’ve never flown before – for our honeymoon in Europe next year. The cost? A mere $280.60 for the taxes and fees: That same ticket would have cost us over $8,500 (one way) if we had paid for it in cash: If you know...

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The McDonalds App Strategy Of Earning Miles

Psst. I’m gonna teach you how to get free food at McDonald’s. You ready? You see, I visit McDonald’s at least twice a week to blog. Some people work at Starbucks, others do better at the library, but I get my creative juices flowin at Mickey Ds. They’ve got free wifi, cheap coffee ($2.60 for their premium roast black coffee + unlimited refills is Singapore’s best kept secret), and just enough background noise to work in. I also have a hack that I’ve been using for years to score free or discounted food and drinks at McDonald’s. I’ve used it to...

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2016 Weekly Review – Week 9 [Bear Army defeated. 200K Milestone]

Quite a fair bit of happenings on week 9. Finally a major turning point in the war against the Bear Army.  5 successive days of victory surely defeated the Bear Army…… There was no more Bear troops in my territory since Wednesday.  My portfolio turned positive on Wednesday (not counting dividends collected). My total portfolio value jumped more than $10K just this one week and its value crossed 200K for the first time. My worst performing counter is still Keppel Corp, but its unrealized loss has narrowed to 23.3% its invested value after week 9.  HPHT is second worst...

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30-Year HDB Loan? A 5-Years Milestone

How time flies. It has been more than 8 years since I have applied for my HDB apartment and almost 5 years since I have collected the keys. While these are personal milestones, perhaps let me take the chance to show you the grass on the other side. Whether or not you think they are green enough, it is up to you. Shorter Or Longer HDB Loan? It is rather common to hear cases where couples would rush to pay off their HDB loan in 10 years or less, utilizing every single cent of CPF ordinary account. In an alternate...

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