Author: Turtle Investor

Resort-Living Using Affordable Alternatives

As big fans of the resort lifestyle, my wife and I have spent a considerable amount of money when it comes to renovating our apartment seven years ago as well as on day-to-day consumables. Most of my furniture at home are wooden ones. They are very soothing on the eyes, smell awesome and a major point is that they age beautifully. Seven years on, none of my furniture needed to be changed and are still going strong. During big festivals like Chinese New Year and Hari Raya in Singapore, I always see discarded furniture at the bottom of...

Find Out More

Does Your Shared Post On Facebook Look Weird?

Writing this post is probably slightly off-topic for my blog. Then again, bloggers do enjoy reading other blogs so this is little tip here can be a life-saver. When I blog, I have a standard routine that I follow. After my blog post is published, I would usually do a quick share on Facebook and Twitter. This pushes out content and makes it convenient for followers to know that a new post is available. RSS feed makes it really easy to follow too, if you know how to use it. I usually don’t send a link to my Facebook...

Find Out More

Service Cannot Be World-Class Without Improved GST

Once upon a time, I was in the service industry and it was a period of time that was very enlightening in so many ways. It is safe to say there wouldn’t be this blog if I didn’t had that experience back then. I was hosting travellers from all over the globe at a hostel in Chinatown, and the type of people what I interacted with are simply mind-blowing. There was a visiting professor at National University of Singapore who stored most of his work-related stuff in the office. He thought a hostel was fine for his needs. There...

Find Out More

When Googlebot Nearly Shut Down My Blog

Hosting my own blog isn’t always sunshine and rainbows. “Fun” stuff happens once in a while. Last Sunday, I got an email from my web host, SiteGround, that my account has used 90% of my monthly allowance of CPU seconds. Which is impossible. And obviously bad, if they shut it down when 100% is reached. Yes, I do have six blogs hosted on my account but even if I add them all up, I’ll find it hard to even exceed a fraction of my allowed capacity. Which means SOMETHING is not quite right. First things first, I got on...

Find Out More

Redeeming DBS Points For KrisFlyer Miles

Sometimes, the most boring posts are the most helpful! After working hard accumulating all these miles, it is finally time to redeem those sweet, sweet miles to actually start flying in luxury. I recently wrote about using 40,000 KrisFlyer miles to redeem for 4 business-class flights with Singapore Airlines. What I didn’t mention was that I didn’t have enough miles in my KrisFlyer account, so I converted 25,000 DBS points to 50,000 KrisFlyer miles. Once inside the KrisFlyer account, the clock starts ticking and the 3-year expiry starts – which is why I don’t do it until I need...

Find Out More

Fear.

I was clearing data from one of my mobile apps when I came across this note that I saved. Fear is the #1 source of regret. The biggest breakthroughs typically come when you’re feeling the most frustrated. It is this frustration that forces us to think differently, look outside the box and see the solution that we have been missing. By revealing when we’re on the wrong path, our mistakes pave the way for us to succeed. The worst thing that can happen to me? It is to allow myself to die inside while I am still alive. Loved...

Find Out More

Say Hello To AutoWealth v3.0

It is no secret that I have been using AutoWealth to manage part of my portfolio, having made my first deposit on 20/10/2017. Since then, I’ve been making quarterly deposits and later, transitioned to monthly deposits. I have always valued functionality over looks, and the previous version of the AutoWealth platform fulfilled most of my needs for information, even though it does look a little dated – a common feedback. Two weeks back on 27/01/2019, AutoWealth platform v3.0 launched with a fresh new look! (I didn’t know there was ever v1.0 haha) Like I have mentioned, I thought that...

Find Out More

Turtle Investor Chat Highlights #2

Wasn’t expecting this but the beta Telegram group I set up has been incredible helpful. Didn’t expect random chatter to end up giving so much insights and things I haven’t even thought of. More importantly, I’m glad that this little platform has given some people a place to ask and share finance-related things, even without me. I know such topics typically doesn’t go well with a lot of friends, family or co-workers. Moving on to a few things seen and heard on the Turtle Investor Telegram Chat … Why Is The Yield For Lion-Philip S-REIT ETF So Low? I’ve...

Find Out More

ABF SG Bond Index Fund and SPDR STI ETF – Dividends 2019 (Part 1)

Annual public service announcement! ? Dividends for ABF Singapore Bond Index Fund and SPDR STI ETF (1H) for 2019 are declared. SGX is one of the best source of dividends information and I’ll re-post it here, for your convenience especially if you’re holding it. ABF Singapore Bond Index Fund (A35) I had forgotten to post this earlier this year, oops. For your information, the dividends for ABF Singapore Bond Index Fund is/was : 2015 – S$0.0305 2016 – S$0.0265 2017 – S$0.0214 2018 – S$0.0261 2019 – S$0.0262 For the 2019 payout, do note the following – Ex-Date : 02 Jan...

Find Out More

Miles vs Cash-back : No Prize For Guessing Which Camp I’m In

[Disclosure : Not a sponsored post] Once upon a time, I was in the cash-back camp .. using a miles card. Ha! Didn’t see that coming, did you?! My first credit card with Citi was the Premiere Miles. Of course, the conversion rates were different back then. 1,000 Citi Miles could be converted into a $10 rebate which effectively made it an 1.2% rebate card on everything. No minimum spend, no cap, no expiry, no gimmicks, no trickery. And the hotline was a dedicated one with no waiting and excellent service. Right now? It’s going for 1,400 Citi miles...

Find Out More

Making Sense Of CPF Retirement Sum Scheme (Using My Parents As An Example)

It is little more difficult to get information on the older Retirement Sum Scheme. Here is my summary after spending some time Googling. If you don’t want to rely on my “rojak” research skills, there is always the Central Provident Fund Act which is the authoritative source of information. I actually drafted this post last week and I thought I’ll add a snippet here because very recently, there was a controversial article regarding a letter sent out by CPF Board. I don’t wanna give traffic to the original source so this will have to do – Dollars & Sense...

Find Out More

My Net Worth Is Still 6-Figure And I’m OK With It (2019)

My net worth post came a little slower because I was waiting for my CPF interest to be credited on the last day of 2018. I remember when I was still in school, there were always ten-year series questions to attempt before the actual exams. That was my inspiration for my last CPF post, which was rather easy because CPF statements are available online. See Previous Years : Net worth is a little trickier, since whatever data I have a result of expense tracking and budgeting which I’ve been doing. I don’t have ten-year series, but I do have...

Find Out More

Gili Lankanfushi Fire Destroyed 7 Villas, Damaged Kitchen & Restaurant (See Map Inside)

If you’re reading because you Googled for the fire, most of the web articles sensationalized the fire and actual impact. Although the fire was serious and warranted the evacuation of guests and closure of the resort, what we know is that only a section of the island resort was affected. Gili Lankanfushi remains fresh on our minds, for both my wife and myself, whenever we visit a new resort. Nothing can quite compare to the unforgettable experience. Villa Suite – 210 sqm of paradise When I was enjoying a vacation in Taiwan, our ex Mr. Friday from Gili Lankanfushi...

Find Out More

CPF Money That Keeps Growing (2019)

As with each passing year, I would post a little update for my CPF numbers. Like I have stated many times, this isn’t a pissing contest. You want big numbers? AK’s blog is this way. See previous posts here – CPF Money That Keeps Growing (2017) CPF Money That Keeps Growing (2018) CPF News – $57,200 Basic Healthcare Sum For 2019 In my update for 2018, I estimated that I would achieve the CPF Full Retirement Sum (FRS) at the age of 38 in the year 2020. Looks like I’m going to have to up the ante this time...

Find Out More

Review Of 2018 ; Hopes For 2019

Review Of 2018 A quick overview of 2018 – it has been a relatively good year despite the hemorrhaging market. I love bullet points and will use them for your easy reading! 1. Investment Core Index portfolio ended -5.3% (YTD), 5.17% (All-time) Income portfolio ended +0.5% (YTD), +52.94 (All-time) Wife income portfolio ended +6.71% (YTD), +28.91% (All-time) // the irony 😉 Added Singapore Savings Bonds (SSB) Entered crypto battleground with a tiny pot of money Life is full of irony. The defensive portfolio I put together for my wife trounced my own! 2. Personal Finance Achieved Basic Healthcare Sum...

Find Out More

Like us on Facebook

Follow us on Twitter


Recent Comments