Author: Turtle Investor

Turtle Fly Business Class : Singapore – Bali (SQ942/SQ947)

And so, I flew my 4th and 5th Business class flights, this time with Singapore Airlines, during my trip to Bali. Self-printed boarding pass because don’t want to trouble the counter staff lah. My first two were way back in 2012 with Qatar Airways (also to Bali). Without a doubt, the flights (hardware wise) were better than my third with Singapore Airlines, from Taipei to Singapore on SQ879 in 2018, which is also the first leg of my TPE-DPS booking. If you happened to have read my earlier posts, this return trip to Bali is actually made up of...

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Using Citi PayAll To Pay Income Tax (2% Fee) For 1.2 KrisFlyer Miles Per Dollar

Long story short : 1.67¢ per mile — skip this post if it isn’t attractive to you. This is not a sponsored post. Citi PayAll is a Citibank payment utility. I can now pay rent, school and enrichment expenses, taxes, condominium management fees and electricity bills using my credit card via the Citi PayAll feature for a small fee – which is 2% in my case. The cool thing is that, these payments will be able to earn miles! I did a couple of screen captures while using the app, since it was my first time as well. Step...

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I Also Want Easy Monthly Passive Income

The idea of having monthly income from investments is the holy grail for many. I read a recent post here on this. When I tried to do the same thing, it was largely symbolic – could it be done? Many REITs does quarterly distributions, and a large number of them distributes on the month of 2/5/8/11 i.e. payment dates fall on February, May, August or November. And then, there are REITs that distributes on 3/6/9/12 i.e. payment dates fall on March, June, September or December. If you’ve got them in your portfolio, then you’re set for 8 of 12...

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Not A Degenerate Gambler

There is sometimes (what I would like to believe to be) a small speculative aspect to what I buy. Thinking back, there seemed to be quite a few – Saizen REIT (sold), Accordia Golf Trust (holding) and Asian Pay TV Trust (sold). And Bitcoin and Ethereum, of course. Most recently, it was Sabana REIT. The news yesterday was that ESR-REIT (ex-Cambridge Industrial Trust) will be acquiring a majority stake in Sabana REIT after the merger with Viva Industrial Trust. ESR is a Warburg Pincus-backed pan-Asia logistics real estate platform. I think veteran Donald Han is doing a decent job...

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Singapore’s “Struggling” Malls (Part 2)

I was at one of the sub-urban malls over the weekend. It featured direct access from the MRT station, both at ground level and at basement level 1, which greatly improved accessibility, convenience and footfall. Popped by a few eateries. Some were full, a few required queuing – how irritating to have to wait when I’m hungry. Does my photos resemble those in newspapers when the government announces a new policy, and the faces are either too small or else, none that can be seen clearly? I wonder why they didn’t use something like the first picture for the...

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What Happened After Thirty Months Of Collecting Air Miles

[Psst. No affiliate links for credit cards sign-ups because few people read my blog haha.] How time flies. It has been thirty months since I started my little project to start collecting air miles. What gives? OK, the bad news first. I regret to inform that I have not flown on Singapore Airlines Suites Class yet. This is not due to a lack of air miles but rather, life have its way taking control. My plans to fly on Suites Class have been thwarted on several occasions, and for now, the elusive Suites Class remain out of reach for...

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I Love Singapore’s “Struggling” Malls

Horror stories sell, I suppose. I’m sure journalist Andy Mukherjee from Hong Kong knows a lot about the retail REIT scene in Singapore. Cue the usual narrative. Threat of online shopping. Retailers closing physical stores. Rents scraping bottom. Insert a picture of an empty looking building for additional impact. Orchard Road was mentioned twice – Hmm, I wonder why. Wait a minute. Didn’t the retail-REIT giants recently announced quarterly results? FCT 96.0% portfolio occupancy as at end-Mar 2019. CMT 98.8% portfolio occupancy as at end-Mar 2019. What I am saying is that perspective and context matters. The retail REIT scene...

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The Same Breakfast (Almost) Everyday

I have the same food for breakfast everyday. To be more precise, only on working days. I go wild on weekends and on vacations. My standard weekday menu pretty boring – One egg One cup of Kopi-O I’m rather lazy, and definitely not a “morning” person. I have experimented with and tried different kinds of breakfast, but I frequently got hungry before lunch time, regardless of whether it is of the healthy or unhealthy variety. From the gourmet perspective, oh no – my breakfast is extremely bleh. How boring is that! I’m luckily a creature of habit and routine,...

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Switched To Ohm – Bill Sneak Peek

I have no wonderful story to share regarding how little electricity I use. On most months, my household (just wife and myself) usage levels slightly exceed the national average. Blame it on cool air and two desktop computers. What can I say? I spent a fortune on air-conditioning and I’m willing to pay for comfort. 😀 Let’s take a sneak peek at what happens after the electricity retailer switch happened. After signing up, my official Ohm Discount price-plan supply start date was 09-Mar-2019. This means that – 07-Mar-2019 to 08-Mar-2019 : SP Group ($13.59) 09-Mar-2019 to 31-Mar-2019 : Ohm ($61.61)...

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MoneyOwl Investing With Dimensional Funds : Bionic Robo

There is a new robo-advisor in town! After waiting patiently while they rolled out their ‘Insure’ and ‘Wills’ components, the ‘Invest’ aspect finally launched today. Image Credit : MoneyOwl Website MoneyOwl has a good website with plenty of information so give it a read to see how it compares with the existing competition such as AutoWealth, StashAway and Smartly. The main selling point to me, is the use of Dimensional funds. If this is new to you, Kyith from Investment Moats wrote a comprehensive article on Dimensional funds. In my opinion, it is a close match to what AutoWealth...

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Why Do I Have A (Small) Dividend Portfolio?

.. Because it is fun! The first edition of Andrew Hallam’s Millionaire Teacher (THE book that changed my life) was the first time I was introduced to the concept of stock picking via “play money”. I spoke with Andrew once in real life and got his autograph like a fan-boy 🙂 If I recall correctly, one of the rules in Millionaire Teacher sort of states that if one really can’t help it, devote not more than 10% of the portfolio to stock picking. Anyway, the idea behind that rule was exactly what constantly kept investing fun and interesting to...

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AutoWealth ETF Selection Update (NYSE:BWX)

The other day, I logged-in to my account after receiving a notification from AutoWealth that re-balancing has been carried out. I wasn’t expecting ALL of iShares International Treasury Bond ETF (NASDAQ:IGOV) to be sold! Texted my AutoWealth financial consultant on WhatsApp and had gotten the answer before the official mailer made its way to my inbox later that day at 9pm. We are very pleased to inform you that we have completed our bi-annual ETF review. AutoWealth conducts this review to ensure your investment portfolio consists of ETFs of the highest quality. In our review, we screened close to...

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Turbocharge CPF-SA After Hitting “MediSave Ceiling” (2019)

It is painfully obvious that the constant name changing causes confusion for people trying to find out information about Medisave and Basic Healthcare Sum (BHS). A quick look on the popular search terms that people are using revealed the following – Basic healthcare sum 2019 Medisave ceiling 2019 Medisave limit 2019 Medisave minimum sum Medisave Contribution Ceiling (was actually the official term until it was renamed in 2015 to Basic Healthcare Sum) People do have a very good idea of what Basic Healthcare Sum is! For now, all we need to know is that Basic Healthcare Sum is the...

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Limited Time Offer : Premium Membership (Lifetime Access)

I’m not exactly sure why people visit my blog. What I do know, is that there are plenty of lurkers! I enjoyed the interactions, either via comments, emails or the newly added Telegram group chat. Thank you for those who joined, even more so for those who had dropped me a private message 😉 I have always felt that having your support makes the journey a lot more interesting than a lonely walk by myself. I’m not on a fast-track to FIRE. I’ve stumbled and fumbled along the way. I get up, and get on with it. A Brief...

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I Love $50 Cheap Getaways. Let’s Go!

J3B is the ultimate triple destinations for Singaporeans to go travelling on the cheap – Johor Bahru, Batam and Bintan. (OK maybe Bintan isn’t that cheap) Gonna be visiting this Bintan beauty one day. Soon, I hope.(Credit : TripAdvisor) Since I’m on the topic of cheap getaways, I’m going to be heading to Johor Bahru for our cheap getaway once again. Delicious food and cheap buys. Movies and massage when we feel like it. Stayed at various hotels including Holiday Villa, Amari and KSL. No special reason for picking KSL this time except that it is VERY cheap when...

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