Coming hot on its heels in March 2020 is NTUC Income’s Capital Plus, an endowment plan with a guaranteed yield at maturity of 2.13%1 per annum. Here is Heartland Boy’s review of NTUC Income’s Capital Plus 3-Year Endowment Plan. NTUC Income’s Capital Plus 3-Year Endowment Plan To meet pent-up consumer demand, it is hardly surprising […]
Investment Decisions I Made Leading Up To the Fastest Bear Market
The past week was horrendous for the stock market. Equities worldwide responded to the twin whammy of a worsening of the Covid-19 outbreak as well as the precipitous plunge in oil prices. As a result, the Dow plunged into a bear market in just 20 days, the fastest 20% plunge in history. Unsurprisingly, it was […]
Review of MealPal Singapore That Now Serves Hawker Food
Having enjoyed MealPal for some time in 2019, Heartland Boy is delighted to learn that MealPal now serves hawker food in Singapore! This will further reduce the cost of his lunch meals in the CBD! Because of the addition of hawker meals, MealPal has also switched to a credit system that rightfully prices hawker meal […]
Review of MoneyOwl Comprehensive Financial Planning Service
The idea of a checkup is to unearth potential issue before they become a problem. That is why Heartland Boy takes advantage of his corporate benefit to go for annual health checkups. Unfortunately, not much attention has been devoted towards financial health checkups- something that Heartland Boy thinks merits equal importance. Afterall, having good financial […]
$350 Sign-Up Bonus For Citibank’s New Citi Cashback+ Credit Card
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 […]
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 […]
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 […]
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 […]
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 […]
Top 10 Highlights of 2019
One of the things about blogging that Heartland Boy is thankful for is the opportunity that it provides for reflection. Reflection is an important process to examine oneself, gain new insights and learn how to improve going forward. In keeping with the end of year period, here are 10 highlights of 2019 that Heartland Boy […]
