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HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
SYFE REIT+ PORTFOLIO REVIEW: ADDRESSING A GAP IN THE Syfe REIT+ Portfolio Review: Addressing A Gap In The Market. Since Singapore had its first Real Estate Investment Trust (‘REIT’) listing in 2002, it has done remarkably well in establishing itself as a REIT hub in Asia Pacific. Today, it has successfully attracted REITs with overseas assets to list on the Singapore Stock Exchange(‘SGX’).
MY HDB BTO RENOVATION EXPERIENCE WITH AN INTERIOR DESIGN Diagram 1: Bad renovation experiences are more common than you think. As renovation is a big-ticket item, Heartland Boy felt that it was worth the effort to spend more time to ensure he minimized the possibility of having a bad renovation experience. In addition, as time was a precious commodity, Heartland Boy was clear that he neededan
POH KIM JEWELLERY OFFERS THE BEST VALUE FOR ENGAGEMENT One day, while listening to a staff from Jeweller XXX educating him about the 4 Cs of diamonds, Heartland Boy received a GIA certificate from his friend via WhatsApp. It was for a diamond that is immediately available for engagement ring setting at a price of approximately $5,000 at Poh Kim Jewellery. Figure 2: This diamond was quoted ataround
HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOY Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOY The most exciting day in your HDB journey has finally arrived! Getting keys to your HDB BTO is a momentous milestone in your adulting journey.As you countdown to that fateful day with bated breath, there will be a hundred and one things going through your mind – REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
SYFE REIT+ PORTFOLIO REVIEW: ADDRESSING A GAP IN THE Syfe REIT+ Portfolio Review: Addressing A Gap In The Market. Since Singapore had its first Real Estate Investment Trust (‘REIT’) listing in 2002, it has done remarkably well in establishing itself as a REIT hub in Asia Pacific. Today, it has successfully attracted REITs with overseas assets to list on the Singapore Stock Exchange(‘SGX’).
MY HDB BTO RENOVATION EXPERIENCE WITH AN INTERIOR DESIGN Diagram 1: Bad renovation experiences are more common than you think. As renovation is a big-ticket item, Heartland Boy felt that it was worth the effort to spend more time to ensure he minimized the possibility of having a bad renovation experience. In addition, as time was a precious commodity, Heartland Boy was clear that he neededan
POH KIM JEWELLERY OFFERS THE BEST VALUE FOR ENGAGEMENT One day, while listening to a staff from Jeweller XXX educating him about the 4 Cs of diamonds, Heartland Boy received a GIA certificate from his friend via WhatsApp. It was for a diamond that is immediately available for engagement ring setting at a price of approximately $5,000 at Poh Kim Jewellery. Figure 2: This diamond was quoted ataround
WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
WHY PERFORM A CPF TOP-UP TO SPOUSE’S Step 2: Expand the selection bar for ‘Building Up My/My Recipient’s CPF Savings’. Step 3: Select ‘Transfer from my CPF Accounts to my recipient’s Retirement Account’ if your spouse is over age 55. If your spouse if below 55 years old, select ‘Special Account’ instead. Step 4: After acknowledging the disclaimer, choose‘Spouse
PRESENTS HOW I PLAN FOR MY RETIREMENT A L I S O N L I E W | H E A R T L A N D B O Y WWW.HEARTLANDBOY.COM 1 presents How I Plan For My Retirement 30 March 2019 THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUM As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. WHAT SINGAPORE STOCKS TO BUY? • HEARTLAND BOY This applies to blue-chip stocks, dividend stocks and penny stocks. Note that there is a separate article adopting similar metrics for selecting the best REITs in Singapore to buy. However, Heartland Boy must admit that putting stocks through such a rigorous test is a very tiring exercise. Well, there is really no free lunch in this world. JUMBO GROUP LIMITED INITIATION REPORT • HEARTLAND BOY Jumbo Group Limited Initiation Report. Jumbo Group Limited (‘ Jumbo ’) is one of the leading Food and Beverage (‘F&B’) companies in Singapore. It was founded in 1987 by Mr Ang Kiam Meng, current CEO of the company, when he started the first Jumbo Seafood restaurant at East Coast Seafood Centre. Well-known for its chili crabs, Jumbo SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. HOW MY MUM UNKNOWINGLY ENDED UP WITH 2 ELDERSHIELD Supplement A pays out $600 for 12 years and its effect is present in both payoff tables in Diagram 1. However, as Supplement B’s payouts last a lifetime, the insured continues to receive payout of $600 even after Year 2032 when Supplement A’s payout have stopped. GEO ENERGY: INITIATION REPORT • HEARTLAND BOY Geo Energy (SGX Stock Ticker RE4) is a coal producer established in 2008 and listed on the Singapore Stock Exchange’s main board in 2012. It owns several coal mines over 17,000 hectares and has almost 100 million tonnes of coal reserves. After its IPO, Geo Energy was mired in years of unprofitability as coal prices nosedived from thehighs
HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOY Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOY B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
SYFE REIT+ PORTFOLIO REVIEW: ADDRESSING A GAP IN THE Syfe REIT+ Portfolio Review: Addressing A Gap In The Market. Since Singapore had its first Real Estate Investment Trust (‘REIT’) listing in 2002, it has done remarkably well in establishing itself as a REIT hub in Asia Pacific. Today, it has successfully attracted REITs with overseas assets to list on the Singapore Stock Exchange(‘SGX’).
MY HDB BTO RENOVATION EXPERIENCE WITH AN INTERIOR DESIGN Diagram 1: Bad renovation experiences are more common than you think. As renovation is a big-ticket item, Heartland Boy felt that it was worth the effort to spend more time to ensure he minimized the possibility of having a bad renovation experience. In addition, as time was a precious commodity, Heartland Boy was clear that he neededan
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
POH KIM JEWELLERY OFFERS THE BEST VALUE FOR ENGAGEMENT One day, while listening to a staff from Jeweller XXX educating him about the 4 Cs of diamonds, Heartland Boy received a GIA certificate from his friend via WhatsApp. It was for a diamond that is immediately available for engagement ring setting at a price of approximately $5,000 at Poh Kim Jewellery. Figure 2: This diamond was quoted ataround
HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOY Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOY B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
SYFE REIT+ PORTFOLIO REVIEW: ADDRESSING A GAP IN THE Syfe REIT+ Portfolio Review: Addressing A Gap In The Market. Since Singapore had its first Real Estate Investment Trust (‘REIT’) listing in 2002, it has done remarkably well in establishing itself as a REIT hub in Asia Pacific. Today, it has successfully attracted REITs with overseas assets to list on the Singapore Stock Exchange(‘SGX’).
MY HDB BTO RENOVATION EXPERIENCE WITH AN INTERIOR DESIGN Diagram 1: Bad renovation experiences are more common than you think. As renovation is a big-ticket item, Heartland Boy felt that it was worth the effort to spend more time to ensure he minimized the possibility of having a bad renovation experience. In addition, as time was a precious commodity, Heartland Boy was clear that he neededan
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
POH KIM JEWELLERY OFFERS THE BEST VALUE FOR ENGAGEMENT One day, while listening to a staff from Jeweller XXX educating him about the 4 Cs of diamonds, Heartland Boy received a GIA certificate from his friend via WhatsApp. It was for a diamond that is immediately available for engagement ring setting at a price of approximately $5,000 at Poh Kim Jewellery. Figure 2: This diamond was quoted ataround
WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
POH KIM JEWELLERY OFFERS THE BEST VALUE FOR ENGAGEMENT One day, while listening to a staff from Jeweller XXX educating him about the 4 Cs of diamonds, Heartland Boy received a GIA certificate from his friend via WhatsApp. It was for a diamond that is immediately available for engagement ring setting at a price of approximately $5,000 at Poh Kim Jewellery. Figure 2: This diamond was quoted ataround
WHY I SOLD OFF ESR-REIT AFTER ITS MERGER WITH VIVA On 26 March 2019, he divested all his shareholding in ESR-REIT at a unit price of $0.535. After conducting a review of its short-term outlook, here are the reasons why he sold off ESR-REIT after its merger with Viva Industrial Trust. 1. Ensnared In Hyflux’s Woes. Nope, ESR REIT did not subscribe to Hyflux’s preferential shares orbonds.
JUMBO GROUP LIMITED INITIATION REPORT • HEARTLAND BOY Jumbo Group Limited Initiation Report. Jumbo Group Limited (‘ Jumbo ’) is one of the leading Food and Beverage (‘F&B’) companies in Singapore. It was founded in 1987 by Mr Ang Kiam Meng, current CEO of the company, when he started the first Jumbo Seafood restaurant at East Coast Seafood Centre. Well-known for its chili crabs, Jumbo THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUM As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. HOW MY MUM UNKNOWINGLY ENDED UP WITH 2 ELDERSHIELD Supplement A pays out $600 for 12 years and its effect is present in both payoff tables in Diagram 1. However, as Supplement B’s payouts last a lifetime, the insured continues to receive payout of $600 even after Year 2032 when Supplement A’s payout have stopped. GEO ENERGY: INITIATION REPORT • HEARTLAND BOY Geo Energy (SGX Stock Ticker RE4) is a coal producer established in 2008 and listed on the Singapore Stock Exchange’s main board in 2012. It owns several coal mines over 17,000 hectares and has almost 100 million tonnes of coal reserves. After its IPO, Geo Energy was mired in years of unprofitability as coal prices nosedived from thehighs
HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOY Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOY B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
SYFE REIT+ PORTFOLIO REVIEW: ADDRESSING A GAP IN THE Syfe REIT+ Portfolio Review: Addressing A Gap In The Market. Since Singapore had its first Real Estate Investment Trust (‘REIT’) listing in 2002, it has done remarkably well in establishing itself as a REIT hub in Asia Pacific. Today, it has successfully attracted REITs with overseas assets to list on the Singapore Stock Exchange(‘SGX’).
MY HDB BTO RENOVATION EXPERIENCE WITH AN INTERIOR DESIGN Diagram 1: Bad renovation experiences are more common than you think. As renovation is a big-ticket item, Heartland Boy felt that it was worth the effort to spend more time to ensure he minimized the possibility of having a bad renovation experience. In addition, as time was a precious commodity, Heartland Boy was clear that he neededan
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
POH KIM JEWELLERY OFFERS THE BEST VALUE FOR ENGAGEMENT One day, while listening to a staff from Jeweller XXX educating him about the 4 Cs of diamonds, Heartland Boy received a GIA certificate from his friend via WhatsApp. It was for a diamond that is immediately available for engagement ring setting at a price of approximately $5,000 at Poh Kim Jewellery. Figure 2: This diamond was quoted ataround
HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOY Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOY B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
SYFE REIT+ PORTFOLIO REVIEW: ADDRESSING A GAP IN THE Syfe REIT+ Portfolio Review: Addressing A Gap In The Market. Since Singapore had its first Real Estate Investment Trust (‘REIT’) listing in 2002, it has done remarkably well in establishing itself as a REIT hub in Asia Pacific. Today, it has successfully attracted REITs with overseas assets to list on the Singapore Stock Exchange(‘SGX’).
MY HDB BTO RENOVATION EXPERIENCE WITH AN INTERIOR DESIGN Diagram 1: Bad renovation experiences are more common than you think. As renovation is a big-ticket item, Heartland Boy felt that it was worth the effort to spend more time to ensure he minimized the possibility of having a bad renovation experience. In addition, as time was a precious commodity, Heartland Boy was clear that he neededan
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
POH KIM JEWELLERY OFFERS THE BEST VALUE FOR ENGAGEMENT One day, while listening to a staff from Jeweller XXX educating him about the 4 Cs of diamonds, Heartland Boy received a GIA certificate from his friend via WhatsApp. It was for a diamond that is immediately available for engagement ring setting at a price of approximately $5,000 at Poh Kim Jewellery. Figure 2: This diamond was quoted ataround
THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
FINALLY REACHING THE MEDISAVE LIMIT IN 2021 THROUGH MY CPF During the presentation, I also revealed that I had only accumulated 2/3 of the BHS then. To expedite my goal of reaching the BHS, I did annual cash top-ups to my MA while enjoying tax relief in the process. HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for WHY INVEST YOUR SRS FUNDS IN ETF • HEARTLAND BOY So here are 5 great reasons why STI ETF is the perfect instrument for your SRS funds. 1. STI ETF’s Superior Historical Performance. STI ETF has generated 8.4% annualized returns over past 10 years (2003-2013). Applying the Rule of 72, it means that your investment will double in value in 8.5 years. Therefore, if you had invested STIETF in
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
WHY PERFORM A CPF TOP-UP TO SPOUSE’S Step 2: Expand the selection bar for ‘Building Up My/My Recipient’s CPF Savings’. Step 3: Select ‘Transfer from my CPF Accounts to my recipient’s Retirement Account’ if your spouse is over age 55. If your spouse if below 55 years old, select ‘Special Account’ instead. Step 4: After acknowledging the disclaimer, choose‘Spouse
THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUM As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. JUMBO GROUP LIMITED INITIATION REPORT • HEARTLAND BOY Jumbo Group Limited Initiation Report. Jumbo Group Limited (‘ Jumbo ’) is one of the leading Food and Beverage (‘F&B’) companies in Singapore. It was founded in 1987 by Mr Ang Kiam Meng, current CEO of the company, when he started the first Jumbo Seafood restaurant at East Coast Seafood Centre. Well-known for its chili crabs, Jumbo SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. GEO ENERGY: INITIATION REPORT • HEARTLAND BOY Geo Energy (SGX Stock Ticker RE4) is a coal producer established in 2008 and listed on the Singapore Stock Exchange’s main board in 2012. It owns several coal mines over 17,000 hectares and has almost 100 million tonnes of coal reserves. After its IPO, Geo Energy was mired in years of unprofitability as coal prices nosedived from thehighs
HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOY Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOY B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
SYFE REIT+ PORTFOLIO REVIEW: ADDRESSING A GAP IN THE Syfe REIT+ Portfolio Review: Addressing A Gap In The Market. Since Singapore had its first Real Estate Investment Trust (‘REIT’) listing in 2002, it has done remarkably well in establishing itself as a REIT hub in Asia Pacific. Today, it has successfully attracted REITs with overseas assets to list on the Singapore Stock Exchange(‘SGX’).
MY HDB BTO RENOVATION EXPERIENCE WITH AN INTERIOR DESIGN Diagram 1: Bad renovation experiences are more common than you think. As renovation is a big-ticket item, Heartland Boy felt that it was worth the effort to spend more time to ensure he minimized the possibility of having a bad renovation experience. In addition, as time was a precious commodity, Heartland Boy was clear that he neededan
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
POH KIM JEWELLERY OFFERS THE BEST VALUE FOR ENGAGEMENT One day, while listening to a staff from Jeweller XXX educating him about the 4 Cs of diamonds, Heartland Boy received a GIA certificate from his friend via WhatsApp. It was for a diamond that is immediately available for engagement ring setting at a price of approximately $5,000 at Poh Kim Jewellery. Figure 2: This diamond was quoted ataround
HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOY Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOY B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
SYFE REIT+ PORTFOLIO REVIEW: ADDRESSING A GAP IN THE Syfe REIT+ Portfolio Review: Addressing A Gap In The Market. Since Singapore had its first Real Estate Investment Trust (‘REIT’) listing in 2002, it has done remarkably well in establishing itself as a REIT hub in Asia Pacific. Today, it has successfully attracted REITs with overseas assets to list on the Singapore Stock Exchange(‘SGX’).
MY HDB BTO RENOVATION EXPERIENCE WITH AN INTERIOR DESIGN Diagram 1: Bad renovation experiences are more common than you think. As renovation is a big-ticket item, Heartland Boy felt that it was worth the effort to spend more time to ensure he minimized the possibility of having a bad renovation experience. In addition, as time was a precious commodity, Heartland Boy was clear that he neededan
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
POH KIM JEWELLERY OFFERS THE BEST VALUE FOR ENGAGEMENT One day, while listening to a staff from Jeweller XXX educating him about the 4 Cs of diamonds, Heartland Boy received a GIA certificate from his friend via WhatsApp. It was for a diamond that is immediately available for engagement ring setting at a price of approximately $5,000 at Poh Kim Jewellery. Figure 2: This diamond was quoted ataround
THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
FINALLY REACHING THE MEDISAVE LIMIT IN 2021 THROUGH MY CPF During the presentation, I also revealed that I had only accumulated 2/3 of the BHS then. To expedite my goal of reaching the BHS, I did annual cash top-ups to my MA while enjoying tax relief in the process. HOW INVESTING IN FOREIGN PROPERTY DESTROYED MY FAMILY Amongst the many perils in investing in foreign property, Heartland Boy observed 2 major missteps. 1. Developer’s Reputation. The Kemayan City Mall could not be completed because the developer went insolvent. Its balance sheet was not strong enough for WHY INVEST YOUR SRS FUNDS IN ETF • HEARTLAND BOY So here are 5 great reasons why STI ETF is the perfect instrument for your SRS funds. 1. STI ETF’s Superior Historical Performance. STI ETF has generated 8.4% annualized returns over past 10 years (2003-2013). Applying the Rule of 72, it means that your investment will double in value in 8.5 years. Therefore, if you had invested STIETF in
IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
WHY PERFORM A CPF TOP-UP TO SPOUSE’S Step 2: Expand the selection bar for ‘Building Up My/My Recipient’s CPF Savings’. Step 3: Select ‘Transfer from my CPF Accounts to my recipient’s Retirement Account’ if your spouse is over age 55. If your spouse if below 55 years old, select ‘Special Account’ instead. Step 4: After acknowledging the disclaimer, choose‘Spouse
THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUM As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. JUMBO GROUP LIMITED INITIATION REPORT • HEARTLAND BOY Jumbo Group Limited Initiation Report. Jumbo Group Limited (‘ Jumbo ’) is one of the leading Food and Beverage (‘F&B’) companies in Singapore. It was founded in 1987 by Mr Ang Kiam Meng, current CEO of the company, when he started the first Jumbo Seafood restaurant at East Coast Seafood Centre. Well-known for its chili crabs, Jumbo SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. GEO ENERGY: INITIATION REPORT • HEARTLAND BOY Geo Energy (SGX Stock Ticker RE4) is a coal producer established in 2008 and listed on the Singapore Stock Exchange’s main board in 2012. It owns several coal mines over 17,000 hectares and has almost 100 million tonnes of coal reserves. After its IPO, Geo Energy was mired in years of unprofitability as coal prices nosedived from thehighs
HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOY Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOY B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
REVIEW OF MONEYOWL COMPREHENSIVE FINANCIAL PLANNING With this comprehensive financial planning service, MoneyOwl has become a one-stop solution offering a whole suite of financial services which even includes will writing.For instance, MoneyOwl is able to offer a fit for purpose product when the insurance (risk proofing) component of the client is inadequate. IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUM As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. WHY I EMBARKED ON EAGLE HOSPITALITY TRUST’S THE QUEEN MARY On the basis of the 3 reasons outlined above, Heartland Boy took a small position on Eagle Hospitality Trust at a share price of US$0.555. Of course, since this is an extremely volatile stapled trust, Heartland Boy will implement a 15-20% stop-loss if it turns out that he is sipping from a poisoned chalice. HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOY Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOY B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
REVIEW OF MONEYOWL COMPREHENSIVE FINANCIAL PLANNING With this comprehensive financial planning service, MoneyOwl has become a one-stop solution offering a whole suite of financial services which even includes will writing.For instance, MoneyOwl is able to offer a fit for purpose product when the insurance (risk proofing) component of the client is inadequate. IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNT Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUM As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. WHY I EMBARKED ON EAGLE HOSPITALITY TRUST’S THE QUEEN MARY On the basis of the 3 reasons outlined above, Heartland Boy took a small position on Eagle Hospitality Trust at a share price of US$0.555. Of course, since this is an extremely volatile stapled trust, Heartland Boy will implement a 15-20% stop-loss if it turns out that he is sipping from a poisoned chalice. THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUM As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. THE OPEN RE-OFFER OF BALANCE HDB FLATS SALES EXERCISE The Open Re-Offer Of Balance HDB Flats Sales Exercise- First Come First Served! HDB recently launched a new HDB Sales scheme whereby would-be home owners can choose to apply for unselected flats from the Re-Offer of Balance Flats (‘ROF’) pool at any time of the year! This was the “new scheme” that the National Development Ministerwas
WHY I SOLD OFF ESR-REIT AFTER ITS MERGER WITH VIVA On 26 March 2019, he divested all his shareholding in ESR-REIT at a unit price of $0.535. After conducting a review of its short-term outlook, here are the reasons why he sold off ESR-REIT after its merger with Viva Industrial Trust. 1. Ensnared In Hyflux’s Woes. Nope, ESR REIT did not subscribe to Hyflux’s preferential shares orbonds.
HOW MUCH MONEY CAN YOU WITHDRAW FROM YOUR CPF AT 55 In Scenario 9 and by applying Rule No 1, the CPF member can withdraw $89,000 from his OA and SA. FRS of $161,000 will be transferred to the RA. Based on RA withdrawal rule (Rule No 2), the CPF member can withdraw a further $80,500 from his RA if there is a sufficient property pledge. [$161,000 – $80,500 HOW CPF GIVES EXTRA INTEREST RATE FOR MY PARENTS CPF Interest Rate Table For Heartland Boy’s Parents Based On 2017 Interest Rates. It is evident that Heartland Boy’s mum has ample headroom to take advantage of the additional extra interest rate (1%) and extra interest (1%) paid on the first $30,000 of her combined CPFbalances.
PRESENTS HOW I PLAN FOR MY RETIREMENT A L I S O N L I E W | H E A R T L A N D B O Y WWW.HEARTLANDBOY.COM 1 presents How I Plan For My Retirement 30 March 2019 WHY I SIGNED UP FOR GREAT EASTERN GREAT205 • HEARTLAND BOY Earlier this week, Great Eastern decided to relaunch its GREAT205 after receiving overwhelming response for it during September 2017. Heartland Boy’s insurance agent immediately buzzed him about this piece of great news. That is because he had previously missed the narrow window to sign up for it during September as he was stillworking in Jakarta.
HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOYHEARTLAND BLOG SEASON 10HEARTLAND SEASON 12FULL EPISODES FREE
Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOYHAVEN AND KEY COLLECTIONKEY COLLECTOR COMICSKEYCOLLECTION TO LISTVBA COLLECTION KEYVBA COLLECTION KEY VALUE B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
REVIEW OF MONEYOWL COMPREHENSIVE FINANCIAL PLANNING With this comprehensive financial planning service, MoneyOwl has become a one-stop solution offering a whole suite of financial services which even includes will writing.For instance, MoneyOwl is able to offer a fit for purpose product when the insurance (risk proofing) component of the client is inadequate. IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNTJOINT BANK ACCOUNT ONLINEJOINT BANK ACCOUNT WITH PARENTCREATE A JOINT EMAIL ACCOUNTOPEN A JOINT ACCOUNTBEST JOINT BANK ACCOUNTSBEST ONLINE JOINTBANK ACCOUNTS
Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUMNTUC INCOME PREMIUMINCOMESHIELD 10INCOMESHIELD BROCHUREINCOMESHIELD COVERAGEINCOMESHIELD NTUC INSURANCE As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. WHY I EMBARKED ON EAGLE HOSPITALITY TRUST’S THE QUEEN MARYEAGLE HOSPITALITY TRUST NEWSEAGLE HOSPITALITY TRUST REITEAGLE HOSPITALITY TRUST SHARE PRICEEAGLE HOSPITALITY TRUST STOCK PRICEHOSPITALITY TRUST PROPERTIES WEBSITETRUST HOSPITALITY GROUP On the basis of the 3 reasons outlined above, Heartland Boy took a small position on Eagle Hospitality Trust at a share price of US$0.555. Of course, since this is an extremely volatile stapled trust, Heartland Boy will implement a 15-20% stop-loss if it turns out that he is sipping from a poisoned chalice. HEARTLAND BOY • SERIOUSLY SINGAPOREAN FINANCIAL LITERACYABOUTRESOURCESCONTACTWHY HONEYMOON IN SOUTH AFRICAALISON_LIEW, AUTHOR AT HEARTLAND BOYHEARTLAND BLOG SEASON 10HEARTLAND SEASON 12FULL EPISODES FREE
Review of UOB Absolute Cashback Credit Card. (Source: UOB) Many of you would have probably heard of the UOB Absolute Cashback Credit Card launched in May 2021. It is the latest credit card to dominate consumers’ mindshare simply because it offers the highest cashback (1.7%) in town in the category of no-frills cashback cards. WELCOME TO MY PERSONAL FINANCE WEBSITE! Welcome To My Personal Finance Website! WHO: Heartland Boy is a young working adult who pretends to be competent in the real estate industry despite graduating with only a Business Management degree. Outside of work, he analyses stocks, reits and property for COMPLETE GUIDE TO YOUR HDB KEY COLLECTION DATE • HEARTLAND BOYHAVEN AND KEY COLLECTIONKEY COLLECTOR COMICSKEYCOLLECTION TO LISTVBA COLLECTION KEYVBA COLLECTION KEY VALUE B. Apply For HDB Fire Insurance By eTiQa. Go to eTiQa’s website to sign up for your HDB Fire Insurance. HDB will want to see your Certificate of HDB Fire Insurance before issuing you the keys. Heartland Boy is paying $4.50 for a 5-year premium. The reason why this is so affordable is because it is (1) compulsory for those takingup HDB Loan
THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
REVIEW OF GEMINI: MY FIRST CRYPTOCURRENCY EXCHANGE 2 things to correct: 1) Please turn on the ActiveTrader mode, in order to reduce the trading fees. The difference between normal platform and ActiveTrader is that for normal, you can only buy crypto at prevailing market rate, whereas ActiveTrader allows you to use limit order type,etc.
REVIEW OF MONEYOWL COMPREHENSIVE FINANCIAL PLANNING With this comprehensive financial planning service, MoneyOwl has become a one-stop solution offering a whole suite of financial services which even includes will writing.For instance, MoneyOwl is able to offer a fit for purpose product when the insurance (risk proofing) component of the client is inadequate. IMPORTANT FOR MARRIED COUPLE TO HAVE JOINT BANK ACCOUNTJOINT BANK ACCOUNT ONLINEJOINT BANK ACCOUNT WITH PARENTCREATE A JOINT EMAIL ACCOUNTOPEN A JOINT ACCOUNTBEST JOINT BANK ACCOUNTSBEST ONLINE JOINTBANK ACCOUNTS
Indeed, it is important for married couple to have a joint bank account. 1. A Joint Bank Account Promotes Communication. Setting up a joint bank account immediately opens the lines of communication on financial topics between the married couple. When a married couple communicates openly, it improves the foundations of theirrelationship.
THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUMNTUC INCOME PREMIUMINCOMESHIELD 10INCOMESHIELD BROCHUREINCOMESHIELD COVERAGEINCOMESHIELD NTUC INSURANCE As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. WHY I EMBARKED ON EAGLE HOSPITALITY TRUST’S THE QUEEN MARYEAGLE HOSPITALITY TRUST NEWSEAGLE HOSPITALITY TRUST REITEAGLE HOSPITALITY TRUST SHARE PRICEEAGLE HOSPITALITY TRUST STOCK PRICEHOSPITALITY TRUST PROPERTIES WEBSITETRUST HOSPITALITY GROUP On the basis of the 3 reasons outlined above, Heartland Boy took a small position on Eagle Hospitality Trust at a share price of US$0.555. Of course, since this is an extremely volatile stapled trust, Heartland Boy will implement a 15-20% stop-loss if it turns out that he is sipping from a poisoned chalice. THE OWNER AND ESSENTIAL OCCUPIER SCHEME FOR A HDB FLAT Note that to qualify for this scheme, couples must first list one of the applicants as the single owner and the spouse/fiancé as the essential owner during the flat application as shown in Diagram 2. In addition, the usual eligibility conditions to purchase a HDB flat willapply.
CRUISE TO NOWHERE: REVIEW OF ROYAL CARIBBEAN QUANTUM OF However, that all changed recently after my experience on Royal Caribbean’s Quantum of the Seas. Stuck without a holiday since Nov 2018 and given that leisure travel is unlikely to resume in 2021, I bit the bullet and booked a Cruise to Nowhere. I paid approx. $1,400 for 2 adults and 1 child for a 5D4N stay in an Ocean View stateroomwith
THOUGHTS ON THE NTUC ENHANCED INCOMESHIELD PLAN PREMIUM As shown in Diagram 1, a policyholder will find that the total premiums payable has increased from $6,735 to $9,121 if the insured is within 66-70 years of age at the next birthday. To be shelling out close to a 5-digit premium for health insurance, the bulk of which is payable in cash, is a scary proposition for Heartland Boy to fathom. SHOULD I LET HDB WIPE OUT MY CPF OA BEFORE COLLECTION OF Before applying for a HDB concessionary loan, his thoughts inevitably swing over to the prospect of HDB wiping out the entire balances in his CPF Ordinary Account (‘OA’). That is where HDB will deduct whatever balances in the CPF OA, thereby reducing the mortgage quantum, before granting the applicant a HDB loan. THE OPEN RE-OFFER OF BALANCE HDB FLATS SALES EXERCISE The Open Re-Offer Of Balance HDB Flats Sales Exercise- First Come First Served! HDB recently launched a new HDB Sales scheme whereby would-be home owners can choose to apply for unselected flats from the Re-Offer of Balance Flats (‘ROF’) pool at any time of the year! This was the “new scheme” that the National Development Ministerwas
WHY I SOLD OFF ESR-REIT AFTER ITS MERGER WITH VIVA On 26 March 2019, he divested all his shareholding in ESR-REIT at a unit price of $0.535. After conducting a review of its short-term outlook, here are the reasons why he sold off ESR-REIT after its merger with Viva Industrial Trust. 1. Ensnared In Hyflux’s Woes. Nope, ESR REIT did not subscribe to Hyflux’s preferential shares orbonds.
HOW MUCH MONEY CAN YOU WITHDRAW FROM YOUR CPF AT 55 In Scenario 9 and by applying Rule No 1, the CPF member can withdraw $89,000 from his OA and SA. FRS of $161,000 will be transferred to the RA. Based on RA withdrawal rule (Rule No 2), the CPF member can withdraw a further $80,500 from his RA if there is a sufficient property pledge. [$161,000 – $80,500 HOW CPF GIVES EXTRA INTEREST RATE FOR MY PARENTS CPF Interest Rate Table For Heartland Boy’s Parents Based On 2017 Interest Rates. It is evident that Heartland Boy’s mum has ample headroom to take advantage of the additional extra interest rate (1%) and extra interest (1%) paid on the first $30,000 of her combined CPFbalances.
PRESENTS HOW I PLAN FOR MY RETIREMENT A L I S O N L I E W | H E A R T L A N D B O Y WWW.HEARTLANDBOY.COM 1 presents How I Plan For My Retirement 30 March 2019 WHY I SIGNED UP FOR GREAT EASTERN GREAT205 • HEARTLAND BOY Earlier this week, Great Eastern decided to relaunch its GREAT205 after receiving overwhelming response for it during September 2017. Heartland Boy’s insurance agent immediately buzzed him about this piece of great news. That is because he had previously missed the narrow window to sign up for it during September as he was stillworking in Jakarta.
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FREE BABY STUFF AND SAMPLES FIRST-TIME PARENTS MUST NOT MISS Congratulations on being first-time parents! The feeling of welcoming a new family member can be so incredibly exciting and yet overwhelming at the same time. There are plenty of worries that you might have and one of it would inevitably be the added financial responsibility of raising a child. This particularly resonated with Heartland Boy when he became a first-time father to baby Olympia last ... continuereading...
HOW DOES RESALE ENDOWMENT POLICY WORK? Resale Endowment Policies, also known as Traded Endowment Policies, have been around for some time. In fact, a very mature market already exists in the UK. Unfortunately, resale endowment policy as an instrument for investment is not as well known in Singapore. Heartland Boy’s financial advisor did introduce him to this concept a couple of years ago but he was not very motivated to find out more ...continue reading...
HOW I HAVE CHEAP LUNCH MEALS IN THE CBD WITH MEALPAL Heartland Boy is always on the lookout for reducing the cost of his meals without compromising on the quality of the food. He has successfully done this through Eatigo, Shopback Go and the HSBC Entertainer App. He struck gold again recently when he was introduced to MealPal during a promotional event. In the month of June, Heartland Boy was enjoying restaurant-quality lunches that only cost $3.99 ...continue reading...
WHAT BABY INSURANCE I BOUGHT FOR MY CHILD One of the strategies that the Heartland Couple adopted as first-time parents was division of labour. As simple as it sounds, it helps to minimise duplication of efforts and keep their sanity in check. As a counsellor, Heartland Girl naturally gravitated towards topics such as well-being and communication. Meanwhile, since Heartland Boy is passionate about personal finance, he took on the (no-less ...continue reading...
MY HDB BTO RENOVATION EXPERIENCE WITH AN INTERIOR DESIGN COMPANY When Heartland Boy’s supervisor at work asked him how his renovation experience was, he replied matter-of-factly, “No major issues so far and they handed over within the timeline as well”. Heartland Boy’s supervisor was surprised and commented that Heartland Boy was incredibly lucky. Indeed, luck could have played a part but Heartland Boy thought that due diligence efforts should not be overlooked ...continue reading...
Read More from the Blog WELCOME TO HEARTLANDBOY.COM Hello there, I am Heartland Boy! I am always thinking about how I can improve my financial literacy in order to achieve financial independence. This is the place to be if you are _ hungry _ for financial independence (sometimes good hawker food as well) and _ foolish _ enough to believe in the musings of Heartland Boy. ReadMore…
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