Author: Singaporean Talks Money

Self Doubt and Dilemma when faced with a job offer

I was having a meal with my colleague recently and she told me that she has an offer from another company but she is in a dilemma on whether she should accept it. Some basic background is that she has been working in the current company for 5 years and is in her late 20s. She actually wants to change job as her current job demands a lot of overtime and also many supervision on her fellow colleagues who are as experienced as her. Overall, she is a valued team player but she does feel that she is paid...

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2% interest per annum – Stan Chart Jumpstart

Last Sunday, I came across an article written by Heartland Boy about the Standard Chartered Jumpstart Account. The account is a savings account with a main benefit that attracted me is that it will provide 2% per annum interest on your savings. One main condition is that you have to be between 18 years of age to 26 years old, only then are you able to open this savings account. I read through the conditions and found a few good benefits of the account: 2% interest per annum on the account balance on first $20 000. No fees and...

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September 2019 portfolio and dividends review

September has been a busy month as my brother was back from his first year studying overseas. Since he came back, we took a short one week family trip to Korea and then after which he spent 2 weeks in Singapore and he just went back on Sunday morning. September has been an eventful month especially on the topic of climate change as effects of climate change became more prominent due to the Amazon fires and the Indonesia fires as well that directly and immediately affected us through the haze. For my portfolio, as usual not much movement except...

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Vulnerability when we lose our jobs or can’t find a job

Current markets are very unstable and many are predicting that next year would not be a good year. Employment numbers are also not positive as the job markets looks to be negative. Even though my contract was extended, it has only been extended till the end of this year. Read more: I thought I will get rich once I start work + Updates on my life This means that there is a huge uncertainty up ahead. As I am working in a bank, contract positions are really common and I do have a number of colleagues who are also...

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August 2019 Portfolio Review

A late August portfolio review as I was very busy in August with work and planning for my family trip. Short review as not much changes in my portfolio. August was an exciting month and also many attractive prices came for many stocks. Did I make a purchase? No, I didn’t as I did not want to deplete my war chest yet and instead am building up on it. Of course, the usual purchase of Nikko AM STI ETF through my POSB RSP still continues. For August, 61 units of Nikko AM STI ETF was purchased at a price...

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My current watchlist – but warchest is not robust enough yet

As the stock market drops due to various events happening, certain stocks have become more attractive. For my current watch list, some stocks have reached a particularly attractive price. I will be putting down some of the stocks that I am watching currently and hope to buy soon. Of course, do note that it is not an advice to buy and I am not yet invested in any of the below mentioned stocks. Do your own assessment / research before embarking on any . 1. OCBC DBS, OCBC and UOB is everyone’s favourite with DBS being discussed the most....

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Hongkong Land Holdings Limited (H78.SI) – To buy or not to buy

I have actually been having Hongkong Land Holdings Limited (H78.SI) on my watch list for awhile now however the price has always been above USD6.00 Recently, CompoundingDividendxDividend and Writing of Investing Noob both wrote about Hongkong Land and that they would be initiating or have initiated a position. For Hongkong Land, towards the end of July, the price for H78.SI slowly dropped. This could be due to it having reported a 63% fall in 1H19 earnings ended June to US$411 million ($568 million) from US$1.1 billion in 1H18.  Also, due to the current situation in Hong Kong, the protest...

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Increase your income, not cut your expenses is the way to become rich

I do agree to this statement, ‘Increase your income, not cut your expenses is the way to become rich. This is especially so when I started work and am able to earn my own money to invest. The accumulation of money from my income monthly is really slow. I have to wait for pretty much at least half to a year before I can really go on a buy action. Read more: I thought I will get rich once I start work + Updates on my life  This means that on multiple occasions, I was not able to execute...

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To get a iPhone XR ($850) or to change battery for my existing phone ($69)?

August will be when I complete my original 9 months contract for my job. I receive my contract completion bonus and I am thinking of getting a new phone. Read more: Gotten a new job but it’s a contract job – Are contract jobs inferior to full-time jobs? Of course, when I first knew that I would get a completion bonus, I was thinking of saving it to my war chest and to deploy when time is right but because I recently lost my iPhone 8 and I am using a iPhone 6 Plus from my uncle. Read more:...

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The Great Hack – Your data is also your human rights

Over the weekend, I watched a documentary on Netflix called The Great Hack was about how our personal data on the internet can be so easily accessible by companies who make a profit out of those data. The documentary follows a professor, a few other key characters and depicts mostly on Cambridge Analytica, a company that made use of data from the internet of individuals to influence key events like the US elections 2016 and Leave.Eu Campaign. For the US elections 2016, they showed how tech giants like Facebook was employed by Trump to planned ads that was very...

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July Portfolio updates and some life updates

Portfolio Updates: July has been another month of no buy or sell action for me except for my regular saving plan with POSB invest saver. I do feel lazy to read up more on companies and my current watch list of stocks are all at a rather high price except for First REIT. I am also trying to build up my war chest so that I can deploy a larger sum into the market to allow my commission to be worthwhile. As you can see from my portfolio, my previous buys are all very small lots and it doesn’t...

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The Woke Salaryman – Sorry, your kids are not your retirement plan

A few months back, I started following The Woke Salaryman because of an article released by them, “ Save 100K by 30”. It was featured on Seedly as a contribution from The Woke Salaryman. It was a nice approach because besides the words, there were cute drawings and cartoons that accompanied it and made it so much easier to read. Even though, to save 100K by 30 is a common topic among financial bloggers, I found their article really easy to follow through as then animations really did simplify things. It also made financial matters less intimidating as not...

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Getting $10 worth of products from Guardian and another $3 for first time users (UOB cards) – Shopback GO

So on Thursday, my colleague mentioned during lunch that Shopback GO is having this promotion of 100% cashback. Taken from shopback.com Having used Shopback for my travels like booking of accommodations, I knew that it was pretty legit. So she told me that you just have to link your credit card to your profile and spend on products in Guardian with no minimum spending and you will 100% cashback capped at $10. So if you are able to spend within $10 or $10 then its as good as free! Guardian is also great as everyone needs something from there,...

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Growing Microgreens

Micro-greens are a variety of edible immature greens, harvested with scissors less than a month after germination, when the plants are up to 2 inches tall. My mum recently started growing micro-greens as she signed up for a course using her SkillsFuture and the course provided her with some seeds to grow.  Micro-greens are really easy to grow and is a great first step to starting your own garden. My mum currently has ‘graduated from micro-greens and now has Russian tomatoes, peaflower and sweet potato plants in our corridor. Microgreens – Taken from https://everythinggreen.sg/pages/guide-to-growing-your-microgreens It has actually always been...

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Let’s talk about Bitcoin!

Have any of you watched RyanHiga on Youtube? He has been making videos on Youtube since 2006 and his videos are usually funny. He decided to come out with podcast series which he mentions that he enjoys doing. In a recent episode, he invited Michelle Phan, an American makeup artist, entrepreneur, and voice actress who became notable as a YouTube personality. Michelle has set up many businesses and in the videos, she talks about Bitcoin and why she feel that it is the future reserve like gold is. I like how the information about Bitcoin in the video is...

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