Confucian teachings have perpetuated the belief that the role of a woman lies in reproduction and managing the household. Therefore, for folks who are aged over 55 today, they probably grow up in a society where it is common to have only one sole breadwinner in the family. An inconsequential result of this social norm […]
Why I Chose HDB Housing Loan Over A Bank Loan
One of the major financial considerations in the adulting journey is to purchase your first home. As houses are big ticket items, it is not uncommon to turn to debt to finance this asset. Heartland Boy purchased a BTO, which is a form of public housing back in 2014. In beginning 2019, as he collected […]
Complete Guide To Your HDB Key Collection Date
The most exciting day in your HDB journey has finally arrived! Getting keys to your HDB BTO is a momentous milestone in your adulting journey. As you countdown to that fateful day with bated breath, there will be a hundred and one things going through your mind – What documents do I have to bring? […]
How I Grow My Kid’s Ang Bao Money
2019 was a special Chinese New Year (CNY) for Heartland Boy as he celebrated it with the addition of a new family member. After 3 straight years of giving out red packets during Chinese New Year, he was blessed enough to once again find himself on the receiving end of such a lovely traditional custom. […]
Why Disability Income Insurance Should Not Be Overlooked
Heartland Boy could still vividly remember the evening when Heartland Girl came hopping into their bedroom showing two lines across the pregnancy test kit. Of course, Heartland Boy leapt with joy at the thoughts of becoming crowned a dad. As unromantic as it sounds, the impending reality that Heartland Boy would soon have a dependent […]
Heartland Boy 2018 Stock Performance Review
2018 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 […]
Are You On Team Cashback This CNY?
This Chinese New Year, SingSaver is launching its BIGGEST credit card promotion campaign ever. It is a campaign that truly divides loyalties as the battle lines have clearly been drawn. SingSaver is pitching Cashback credit cards against Air Miles credit cards. The rewards for this unique campaign are massive, so make sure you pick the […]
How I Grow My CPF Today For My Future Retirement
The start of the year always gets Heartland Boy in a pensive mood. It gets even more poignant now that he has a kid in tow. This has fuelled his belief that securing his own retirement could be one of the best gifts for his daughter in the future. That has inevitably become one of […]
Earn Even More Cashback Offline With ShopBack GO
What is ShopBack GO? Christmas definitely came early in 2018 because ShopBack has added the awesome ShopBack GO to its suite of products not too long ago. ShopBack GO is a brick-and-mortar (offline) cashback feature which makes it fundamentally different from ShopBack’s usual mode of allowing users to earn Cashback online. Specifically, it gives users […]
Stop Searching For Online Coupons And Start Saving With RateX Now!
During his 2-week paternity leave, Heartland Boy relied heavily on online grocers and food delivery companies to save time (and his sanity). He became a “coupon man” as he shamelessly googled for promo codes to reduce his expenses. In what was a very time-consuming process, he had to manually key in every promo code to […]
