Author: Turtle Investor

C-ries : Creating A MetaMask Wallet (001)

My opinion is that a large percentage of the population of ‘developed’ nations are very well-banked, has no immediate pressing need for Bitcoin or cryptocurrencies, are not affected by blockchain technology and has no incentive to learn or use it at all. 🙂 Okay, now that’s out of the way .. I’d like to write a series (C-for-Crypto-series) of basic how-to posts because blockchain technology and cryptocurrency, as the word implies, is a fascinating marriage of topics involving cryptography, computing/IT and finance/economics .. unfortunately, abstract topics for many. My wife isn’t interested and doesn’t care HAHA. I won’t go...

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Basic Guide By An Accidental Landlord : Renting Out A HDB En-suite Room

A little insight for bloggers who want to achieve crazy traffic – the best performing posts on my blog are actually how-to guides (convert DBS points to KrisFlyer miles, $100 business class hack etc) and informational posts (STI ETF dividends, CPF basic healthcare sum etc). Always happy to value-add so here is another guide on how I unwittingly became a landlord. I basically had to wing it as I went along, as it was not something that I have considered previously. Good experience, obviously, if we ever had to rent out the entire HDB apartment and live overseas in...

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Helpful Tool For Miles Collectors : WhatCard

#NotSponsoredPost I’m feeling generous lately! If you think that only miles cards are used by travel hackers, then you shouldn’t really be writing about the topic. People who are serious about collecting miles know that we rely on a variety of credit cards, each that will reward certain category of purchases (such as dining, electronics, online and travel etc) with a specific number of reward points. While we usually have a general idea of what to do in specific circumstances, rules may not always be so clear-cut or we may forget that certain exclusions apply. Take OCBC Titanium Rewards...

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SPDR STI ETF ES3 Dividend – 2019 (2nd Half)

It’s here! Come August, and it will be the climax of the year for many dividend investors in Singapore. Public service announcement! Biannual dividend of SPDR Straits Times Index ETF (ES3) is here. Ex-date is 2nd August 2019 (Friday) so take note if you’re going to be making any transactions soon. The distribution will be payable on 21 August 2019. Feb 2019 Dividends : SGD 0.056Aug 2019 Dividends : SGD 0.064 Adding up the two, we get a total of S$0.12 for the year 2019. Some basic numbers if you’re interested, that’s a current yield of 3.55% (and a...

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Bought Dyson V7 Fluffy+ For $349 (Lazada Sale)

#NotSponsoredPost I love buying stuff on online platforms during their mega sale events. Not the first time doing this on Lazada, so I roughly knew what to prepare for. My vacuum cleaner is 8 years old – bought it when I moved into my brand new BTO. Since then, it has worked tirelessly. It was the Philips SilentStar and it is remarkably quiet on low-power settings! With wear and tear, the motor is getting cranky and I can never understand how we are only using the 5th disposable vacuum bag after so long?! Parts were  disintegrating too .. so...

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SG Crypto Hub and Selling Some REITs in the Bubbly Market

Squeeze out a quick 15-minutes lunch post. One Small Step Singapore has been a breath of fresh air when it comes to welcoming, adapting and embracing blockchain technology. We now have tradeable private equity on the Ethereum blockchain! I was pleasantly surprised to see news today that the first ever private listing has taken place on 1exchange (1X), the only regulated private securities exchange with a Recognised Market Operator licence granted by the Monetary Authority of Singapore. The listed entity is none other than Singapore-based boutique fund management company Aggregate Asset Management (“AAM”), which has listed on 1X with...

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Top Up Parents’ CPF-RA (Retirement Sum Scheme) To Increase Payouts – A Letter From CPF

After my post in April 2019 about hitting the annual Basic Healthcare Sum target, the engines of wealth have been chugging along nicely in Q2. I’m still on target to hit my goal of reaching the CPF Full Retirement Sum 2019 (FRS) of $176,000 with the current amount at the 86% mark of $152,000. Comparing against the chart above, I have made progress of around $12,000 this year. Looks like it is 1/3 down, and another 2/3 to go? In a previous blog post, I wrote about having the option of transferring out my own CPF money to my parents’...

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Epitome of Positive Reinforcements – New Streams of Passive Income

When I first started helping my wife with investing her hard-earned money in January 2017, I was hoping that the positive reinforcements from receiving dividend income 8 out of 12 months a year would make her interested in finance matters. And yes, it did help. If I thought I was darn smart for doing that, heck – I seriously underestimated what I would eventually uncover. Blockchain technology has upended this whole idea “dividend income” thing. I call it the epitome of positive reinforcements. Caution – this is not investment advice and I’m not recommending any of these options. Staking...

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Recent Investment Stuff – Buying & Selling

Frasers Centrepoint Trust – Preferential Offering Basically a non-renounce-able rights issue of 31 for every 1,000 held. Applied for 1,000 (including allocated) and received 600 units. The process is pretty simple. Basically, they will send you a letter which you don’t even need. Go to the ATM and apply. In my case, I applied for 1,000 units so they deducted $2,350 ($2.35 x 1,000) + $2 (fee) from my POSB savings account. Because the new units will be listed on 18-Jun-2019, I tried checking both my bank account (for any refunded money) and CDP account the night before (it...

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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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