Category: Heartland Boy

Uni-Asia Group Limited: An Interesting Turnaround Laggard

Uni-Asia Group Limited (‘Uni-Asia’) is an investment group investing in cargo ships (dry bulk) and properties that is listed on the main board of SGX-ST (ticker code: SGX:CHJ). As at 13 June 2021, it has a market capitalisation of S$61 million. Founded in 1997 and IPO-ed in 2007, it is headquartered in Hong Kong and […]

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Finally reaching the Medisave Limit in 2021 through my CPF contributions

When I checked my CPF balances last month, my heart warmed a little as I realised that my CPF MediSave Account (‘MA’) has reached the Basic Healthcare Sum (‘BHS’). BHS is the estimated savings required for basic subsidised healthcare needs in old age and is adjusted yearly for members below age 65 to keep pace […]

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Great Eastern’s Integrated Shield Plan Revamped To Now Include Claims-Adjusted Pricing

There is increased awareness on the importance of having our own private hospitalisation insurance as it helps to supplement MediShield Life, a basic national healthcare insurance plan. However, not many are aware how each component interacts with each other. Furthermore, a recent change by private insurers includes the introduction of the Claims-Adjusted Pricing (‘CAP’) framework. […]

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Genting Dream Cruises Cruise To Nowhere – My Successful Refund Story

(Source: Dream Cruises) I said in my last blog article that I was hooked on cruise after my fantastic experience with Royal Caribbean Cruise in February. Having said that, I have never expected myself to set sail again as soon as only a couple of months later. A large part was thanks to the fact […]

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How much does my family spend on comprehensive insurance coverage?

Ever since my recent article on how much is required to achieve financial freedom for my household, I received plenty of feedback that I am probably spending too much on insurance. The figure that I disclosed, with some degree of buffer, came up to approximately $14,000 per annum for a family of 3. Several readers […]

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Review of Gemini: My First Cryptocurrency Exchange Experience Trading In Singapore Dollars

I don’t usually consider myself a procrastinator but I finally acted on something that I had wanted to do back in 2018. In every new year resolution for the past 3 years, investing in cryptocurrency featured prominently but I just never got down to doing it. If I am being honest with myself, I think […]

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Most Important Rule of Investing: Never Invest Money You Can’t afford To Lose

A recent article on Straits Times about Torque and Singaporeans investors losing their life savings serves as a stark and timely reminder. The most important rule of investing is to never invest money that you can’t afford to lose. Here is a short blog post on why it is important to only invest money that […]

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Financial freedom cost US$3.2 million in Singapore, I find out what’s the amount for my household

An article originally published on South China Morning Post stated that the threshold for financial freedom in Singapore was US$3.23 million (approx. S$4.33 million), placing it seventh on the list of 11 global gateway cities. The article got picked up by AsiaOne and quickly went viral on the personal finance community, largely because of the […]

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Review of GREAT EASTERN 3-Year Online Endowment Plan: GREAT SP SERIES 3

I previously signed up for Great Eastern GREAT205 in 2017 with my Supplementary Retirement Sum (‘SRS’) funds. As it was a 3-year endowment plan, I received the full maturity benefit of 106.33% (inclusive of Maturity Benefit, which is 100% of the single premium) when the policy reached maturity in late 2020. After that satisfactory experience, […]

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