According to most Chinese Zodiac forecast, 2018 will be a terrible year for those born in the Year of the Dragon. Dragon babies ought to be extra careful when it comes to investment in 2018. Heartland Boy was born in the year of the Dragon but he did not shy away from the stock market […]
Changes To The OCBC 365 Credit Card You Should Take Note
The OCBC 365 Credit Card has been one of the mainstays in Heartland Boy’s staple of cash back credit cards. Recently, OCBC announced some key revisions to its beloved OCBC 365 Credit Card which would take effect from 1 Oct 2018 onwards. On its website where the online application form can be found, the changes […]
Learn Amazing Tips At CPF Retirement Planning Roadshow 2018
Heartland Boy often hears that the Central Provident Fund (‘CPF’) is way too complex and confusing. Such reactions can be empathised as there are indeed many rules governing different aspects of Singapore’s unique social security system. New policies designed to improve the CPF are regularly rolled out which makes it even more difficult for CPF […]
My Experience With Crazy Rich Asians
You are probably living under a rock if you have not heard of Crazy Rich Asians by now. It is THE talk of the town and there is not a single day that goes by without the Singapore press writing something about movie. If you have not watched the Crazy Rich Asians yet, you should […]
Do Not Rejoice At The Voluntary Early Redevelopment Scheme… Yet
The National Day Rally (‘NDR’) has often been dubbed the year most important political message in Singapore’s calendar. Unsurprisingly, Heartland Boy had his ears peeled to the English version of the 2018 NDR that took place at ITE College Central on 19 August 2018. Afterall, he considers himself a mini current affairs geek. Topics spoken […]
Why I Reinstated My Dependants’ Protection Scheme At Age 30
Impending parenthood has forced Heartland Boy to re-evaluate his financial planning more holistically. As he reviewed his insurance coverage, he realised that the Dependants’ Protection Scheme (‘DPS’) has inexplicably slipped from his grasp. The explanation for this is that Heartland Boy automatically enrolled into the DPS at age 16 when he was a part-time waiter […]
An Eye-Popping 3.88% For The Revised UOB One Savings Account
In a rising interest rate environment, it is not surprising to see some banks in Singapore beginning to reward savers with higher interest rates on their deposits. In the past month, UOB announced some changes to its popular UOB One Account. Headlining the change must surely be the eye-popping 3.88% p.a. savers can earn with […]
Earn $250 Cash When You Apply For The Best Cashback Credit Cards On SingSaver
In the midst of World Cup 2018 fever and the annual Great Singapore Sale, the folks at SingSaver contacted Heartland Boy about its fantastic promotion. This July, SingSaver has specifically curated a list of the best cashback credit cards in Singapore. With the exception of the American Express KrisFlyer Card, all the cards on promotion […]
What To Watch Out For In A REIT Manager Fee
Singapore Real Estate Investment Trusts (‘S-REITs’) have been a great investment asset class for the past decade. The definition of REIT is a listed vehicle that pools funds from investors to purchase real estate or real-estate related assets. While it has gained tremendous popularity amongst investors, not many realise the importance of Manager fees. In […]
APAC Realty Limited: Initiation Report
Business Model of APAC Realty Limited APAC Realty Limited (‘APAC Realty’) operates a leading brokerage under the ERA brand in Singapore. It was listed on SGX on 27 September 2017 with ticker code of (CLN.SI). Its IPO public offer tranche was oversubscribed 29 times. As at 24 June 2018, it has a market capitalisation of […]
