Ever since Standard Chartered Bank pioneered the no-frills cashback credit card which has no cashback cap and no minimum spending required, HSBC and Maybank have each jumped onto the bandwagon over the years. This week, Citibank finally joined the ranks and launched the spanking new Citi Cashback+ Credit Card. It has definitely been some time since a new cashback credit card was introduced in ... continue reading...
The owner and essential occupier scheme for a HDB flat
There are several aspects to consider when getting your first HDB flat (whether BTO or resale) and the activities listed below are by no means exhaustive:Choosing a HDB BTO or Resale flat How to choose your HDB unit Getting a HDB loan or a bank loan Opting in or out of CPF Home Protection Scheme Working with an interior designer you can trust to renovate your unitHowever, one ... continue reading...
Why And How Do I Make A CPF Nomination Online
Several months after Olympia was born, Heartland Boy did a digital will with MoneyOwl. However, as CPF savings will not form part of his estate, there is still a missing jigsaw piece to his estate planning. Therefore, he quickly seized on the opportunity to participate in the CPF Nomination Scheme online when this e-service was recently introduced. It was extremely convenient as the nomination ... continue reading...
Why I Applied To Be Exempted From CPF Home Protection Scheme
Despite having been writing for over 4 years now, there are still so many aspects of personal finance that Heartland Boy hardly pays notice or is simply ignorant of. Well, one of the benefits of being plugged into the personal finance community is the opportunity to plug the gap by learning from fellow bloggers. A recent article from Investment Stab on the CPF Home Protection Scheme (‘HPS’) ... continue reading...
Heartland Boy 2019 Stock Performance Review
2019 is behind us and it is time for an annual review of Heartland Boy’s stock portfolio. The metric used to measure the stock performance would be Internal Rate of Return (“IRR”) and the relevant benchmark is the Singapore Straits Times Index (STI Exchange Traded Fund). Having a benchmark is important as it allows Heartland Boy to track and compare his active investment strategy. Heartland Boy ... continue reading...
