Author: Singaporean Talks Money

Having to pay $5000 before being able to cancel a credit card?!?!?!

I was really frustrated recently due to a certain bank’s credit card. The card is known for being good for miles as the miles don’t expire and my mum has been holding the card for while. Read more: Having a good credit score She got charged for annual fee for that card and so she called in to enquire about it. She was told that they would minus her current points for the annual fee and my mum agreed. My mum had accumulated pretty much points in the card and since she was going to be cancelling it soon,...

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Communication skills in the workplace matters so much!

After officially working full-time in a job for about 5 months, I have realized the importance of being able to communicate effectively. Being able to communicate effectively can give people the impression that you know your stuff well and that you are working hard. Read more: Updates on my first week at my new job – Expenses, Colleagues and Environment For me, I am rather introverted and would choose not to say anything in meetings. Also, i realized that when my boss talks to me, I tend to just agree and will not really suggest or explain unlike my...

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I just officially graduated!

Last Wednesday was my graduation ceremony and I have now officially graduated from my university. So on my graduation ceremony, my friends and I met up before that and we were catching up on whats been going on in our life. For most of us, we have already started working and what most of us found was that it really is not that easy to find a job with our psychology degree. Read more: Finished School, What’s Next? We have a few other friends who took computer science and digital systems and for them, they had jobs lining up...

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Losing my iphone 8 – what a bad experience

I lost my iPhone 8 over the weekends on Saturday morning. So what happened was that I was wearing a pair of shorts with pretty shallow pockets and I placed my phone in it. My mum and I was walking towards the bus stop when we saw the bus that we were going to take so we ran for the bus and my phone could have dropped out during this time. Another way is that maybe on the bus when I sat down, the phone could have dropped out of my pocket. I only realised that I lost my...

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Portfolio review – Breaks $10 000! and dividends received in March 2019

March review is here! March is a special month for me as it is my birthday and also my mum’s birthday month. Read more: HAPPY BIRTHDAY TO ME! Of course, this march also marks a special occasion as my total investment portfolio breaks $10 000. Since I have a regular savings plan set up, a portion of my income goes to building up my portfolio in terms of Nikko AM STI ETF. I keep money on the side for other stocks that I would like to have in my portfolio while waiting for the right price before getting in....

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My mum resigned from her job, whats gonna happen next?

So my mum just tendered her resignation last Friday. To be honest, I never expected her to resign so soon. I think the stress building from her new boss and change of working style has really gotten to her. Read more: Losing a fellow comrade at work She still doesn’t have a concrete plan as to what she will be doing but as she turns 60 years old this year, she wants to take a break and have good rest. Of course, if possible, I like her to enjoy her time but for now, with my amount of pay,...

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Being a contract worker – Know your entitlement

Being a contract worker means that you are not able to enjoy the full benefits of the company. Also, you lose on bonuses as only a completion bonus might be paid for contract workers. So when I became a contract worker, I was actually also confused as to what I am entitled to and what should I be fighting for if it wasn’t given to me. Read more: Gotten a new job but it’s a contract job – Are contract jobs inferior to full-time jobs? It is also confusing for contract workers as the work period can range from...

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Planning to diversify my portfolio to overseas stocks

I have actually been thinking about diversifying my portfolio and I first wanted to get into buying US stocks. However I realized that the process is a little more complicated and a higher capital would be preferred so I decided to find if there are other alternatives. I found that we can invest in Hong Kong markets with no withholding tax rate on dividends unlike US where there is a 30% withholding tax on dividends. So I would be starting with getting into the HK market first but first, I would need to figure out what brokerage firm I...

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Would you rather get paid for your OT hours or get time off?

I have been working late for the past 2 weeks and my colleagues and I do have conversations about working overtime with them. Among my colleagues, there are polytechnic graduates and they earn less than $2500 and the rest of us who have degrees, earn more than $2500. So then, they are eligible for OT pay. Assuming we stay back about 3 hours each day and for 5 days per week, this means they can claim for about 15 hours per week. This can add up to a substantial amount since it’s been about 2 weeks consecutively that this...

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Influencer Marketing: Are you affected by it?

Recently, I have been thinking of getting braces as my upper set of teeth is protruding out and kinda looks like bugs bunny. With so many choices around, I started googling about what choices and where I should get my braces done. Invisalign is increasingly popular nowadays as it is marketed as an invisible braces where you can wear clear aligners hence not having to wear the metal braces that can be more painful. However, the price of Invisalign is high as $9000. So while googling, I came across a few articles about braces review where an influencer blogs...

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HAPPY BIRTHDAY TO ME!

I am 24 years old today. Almost to quarter life, time flies especially once you are past 21 years old. Sometimes I still get the feeling that I am not yet near 25 years old but when I start calculating my age, turns out I am older than what I think my age is. As I turn 24, I do get more responsibilities and I find myself having to take up more roles to support myself and the people around me. With my mum planning to retire within this year and my brother who have just started his university,...

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LeanFIRE VS FatFIRE

Recently, while reading smellingfreedom, i came across these 2 terms, LeanFIRE and FatFIRE. I find it pretty cool to know that FIRE can also be further divided. LeanFIRE: leanFIRE is to retire as early as possible with the minimal amount of money possible. FatFIRE: fatFIRE means to live a FAT FIRE lifestyle. In most cases this does not mean they want to buy a Porsche and lots of diamond rings, but rather that they would like to have enough money to be able to afford to travel or pursue their hobbies. This means that to achieve fatFIRE is much...

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Portfolio Update and Dividends received in February 2019

In February, 59 units of G3B (Nikko AM STI ETF) was added to my portfolio through the RSP with POSB invest saver. With this, my total portfolio now looks like this. Design Studio has been a huge pull down for my portfolio, with more than a 50% drop of price. I bought it with a greed for dividends and did not do much research into it. I do regret it and it is the one stock that has pulled down my portfolio by sooo much. Overall, my recent purchase of Far East Hospitality Trust and CapitaRetail China REIT has...

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OT work life – feeling drained

I have been working overtime for consecutively a week now except for Sunday. It’s tough when work takes up so much of your time. This explains for the lack of blog post this week. I have been working till about 1030/11pm as there is data migration going on in my company. This means that when I reach home, I bathe and after drying my hair, I get to bed right away as I am sooooo drained. Waking up the next day is tough as well as I find myself not getting enough rest the day before. I have so...

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Budget 2019 – Merdeka Generation

My mum is in the Merdeka Generation (MG), oops, revealing her age range here. So of course, she has been wanting to hear about what she would get from the government. With what was announced at the Budget 2019, she will be getting: 1. PAssion Silver Card Top-up There would be a $100 placed into their PAssion Silver Card, which they can use for public transport, swimming pools and courses at the community clubs. More details would be announced in June 2019 for this $100 top up. 2. Annual MediSave Top-up There would be annual top-ups into MG’s Medisave...

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