Search Results for: miles

15HWW Origins: Illness And The Passing Of My Mum

My Mum was the closest kin I had, by millions of miles. If my Mum were still alive, we would be celebrating her 54th birthday today. If only. She had passed away 6 years ago, after a one year struggle with ovarian cancer. My Mum My Mum was one of the kindest and most responsible person I know and she sought to instil those qualities in her children. No matter what happened, she would never blow her temper at low-paid service staff because she had worked those positions before and could empathise with their difficulties. And whenever I borrow anything from anyone, I will be able to...

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Capitastar and Frasers Rewards

As a KPO, apart from being thrifty, I tries to make sure that the money spent is fully utilized. For instance, I avoid paying cash/NETS as much as possible and prefer using credit card because there is rebates/miles/reward points. If you spend in either Capitaland Malls or Frasers Centrepoint Malls, you should participate in their loyalty/rewards programme. Simply register and download both android/apple applications to your phone and take a photo of the receipts! This way you can get a little bit from the bank and a little bit from the malls. Shiok! CapitaStar A quick introduction from their...

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Why Heartland Boy Switched To UOB One Account

The OCBC 360 Account has always held a special place inside Heartland Boy’s heart. Convincing Heartland Girl to switch to OCBC 360 Account was the first finance related advice that Heartland Boy ever recommended to her. Heartland Girl beamed with joy whenever she saw the huge monthly interest rolled in. This recommendation cemented Heartland Boy’s position as a dependable personal finance consultant in Heartland Girl’s heart. Since then, any finance related recommendation by Heartland Boy was greeted with staunch submission and unreserved approval from Heartland Girl. With the second change in as many years to the OCBC 360 Account,...

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Portfolio Update – Feb 2017

I just realized our blog has reached its first tiny milestone – 1,000 page views! Thank you everyone! We are proud to announce that we have hit our 1st short term goal this month – our portfolio is now greater than $200,000 :) With that, we have applied to become Standard Chartered Priority Customer. That means we have lower commissions (0.18% as compared to 0.20% previously) and most importantly, the minimum commission of $10 no longer apply. One of our strategy is to use DCA (dollar cost averaging) to buy 1 lot (1000 units) of STI ETF every quarter...

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March: The Month of Financial & Political Minefields

One and a half month after the inauguration of Donald Trump as the President of United States of America, the world is still trying to figure out his stand in foreign affairs. The immediate concern of the financial market right now, is to see whether President Trump is able to pull off his promise of lowering the US tax rate and increasing government spending at the same time. With US budget discussion in full force, the financial markets are scrutinizing his every single move to see how the debate will lead to. It is the promise of a Trump...

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How Heartland Boy Earned $1058 Cashback In 2016

2017 was the first year that Heartland Boy officially stopped receiving angbaos. This meant that he can no longer rely on red packets to grow his annual savings. However, Heartland Boy received greetings and well-wishes from the recipients in exchange. To be able to see the smiles on the children’s faces reminded him that he has now matured into a full-fledged adult with more responsibilities. Now that Chinese New Year is over, Heartland Boy decided to console himself by recounting the total cashback that he has received in 2016. A majority of his cashback in 2016 came from expenditure...

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Her motherhood journey – Part 2

This is the second part of our pregnancy journey. The first part is from my perspective as a father to be, titled aptly My fatherhood journey. This is wholly the work of my wife, who had taken time in between rest and her care duties to our son, to write out her reflections to chronicle this milestone event. After reading for the first time in order to post this, I feel that I need to provide a little background information. The name of our son is Zef, and his chinese character has a 𦊊 inside. It’s pronounced as tian1, same as...

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Recent Moves of Singapore’s Biggest Shipyards Stocks

Singapore’s largest capitalised stocks that operate shipyards are Keppel Corp, Sembcorp Marine and Yangzijiang Shipbuilding. The three stocks have averaged a 5.9% YTD gain (as of 3 Feb 2017) in line with STI’s +5.8%. Despite oil price recovery, outlook for shipyards remains challenging with excess yard capacity. Resilience through cost and balance sheet management is key. Of the three stocks, Keppel Corp has been the first of the three to report FY2016 results. Key metrics to note include order book momentum, balance sheets strength and operating cashflow. Shipyards stocks have been subjected to more volatility than most market segments...

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My fatherhood journey – Part 1

2017 is such a significant year for me. There are different stages in one’s life and this year is going to be one of the biggest milestone in my life because I’m a father now! My baby was born on the 31st of Jan 2017, same as B’s baby. I thought it’ll be interesting to hear about the birth of the baby from the father’s perspective, so I’ll share it here. I will talk about the financial cost of the whole journey, but I don’t want it to be the first thing to come to mind when discussing about...

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Shitty Financial Advice

Look! Just cut your tennis balls in half and you can save more space! Wah lah! Don’t laugh. Just look at some of the shitty financial “advice” out there: 1)  The more you spend the more you “save” kind… Enough said. 2)  Collect air miles and fly or upgrade for free! Hello, unless your Ah Kong (corporate company) pays for the air tickets, or you charge your business expenses on your personal credit card, these air miles are not “free”. 3)  And then there’s this come here little mouse… See the loops and hoops over there? Now jump through all of them and we’ll “reward” you...

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Dow 20,000 !!

This has become the headline news for major financial newspapers or webs , DOW Index finally broke through the psychological level or resistance of 20,000. As for me , although it’s a milestone but it just a “figure” without looking into the fundamental or valuation of the market . You may find below news interesting to read : From CNBC : Dow 20,000: Its insignificance may rival its importance (click ) From The New York Times : The Dow Hit 20,000. Now What? ( Click ) From CNN/ Money : Boom: Dow hits 20,000 for first time ever (click...

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CAO Hits Energy, Aviation Sweet Spots

The Chief Operating Officer of Mainboard-listed China Aviation Oil adheres to a strict code of ethics, and can be a contrarian of sorts. A seasoned trader, Jean Teo is known to be a straight shooter. “As senior management, there’s a need to stand firm and say ‘No’, even to the boss – I know this is uncommon in a Chinese-run firm, but it’s important to do what is right,” Teo said with a smile. The Chemical Engineering Honours graduate from the National University of Singapore began her career at BP Singapore in 1997. She held various roles, including a...

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Tools for Titans #33 : The Rule of 3 and 10.

Phil Libin is the founder of Evernote and its executive chairman. There is only one point in this write-up which is about the Rule of 3 and 10. Phil learnt this from Hiroshi Mikitani who is the founder and CEO of Rakuten. The theory is quite simple. If you build a company, expect everything to break every time you grow 3x or 10x its size. Actually as 10 is very close to 3 x 3, it’s possibly reasonable to argue that everything breaks when your organization triples in size. This idea was created to caution founders who run growing...

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Unexpected review of 2016: hitting $200k in net worth

As we countdown to 2017, I was reflecting on my 2016. 2016 was an average year. Nothing exciting to shout about and nothing major happened…. Until I started to browse through my blog and reviewed my financial portfolios. As I browsed through my blog, I looked back at the little things that happened. I got engaged, got a shock from my health screening results which turned out to be nothing bad (pessimist really), achieved $100k cash savings and this is excluding CPF at 25, transferred money to my mom’s CPF which made her happy, travelled overseas twice albeit to...

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2016 Portfolio Review (Part 2): Foundation Stocks

2016 is another challenging year for investment.  Many “marketquakes” starting with China market’s failed circuit breaker implementation, the ever present oil price worry, the continuing terrorist threat, the surprising Brexit and Donald Trump victory, the rate hike in December and perhaps further hikes in 2017.   Sometimes when you think you are moving a step forward, but actually you are forced taking two steps backward due to strong headwinds. My portfolio crossed two milestones in 2016.  First, the 200K point was surpassed. Then, the special dividend from Saizen Reit gave a great turbocharge to my 2016 dividends and the 12K...

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