SG Investor Hub Blog

First post on the last day of 2016

Hello Everyone! This is my first post on this newly created blog.Why I started this blog?As a wise man once told me, “if you can’t write down your ideas/ plans in words, then you don’t know what you are thinking/ doing”. So TA-DA! I hope this blog crea…

ShopBack: Save with Coupons, CashBack and more!

While I was googling for alternatives to reduce my expenses, I realised that apart from reducing takeout and preparing my own meals, there was an on-going trend of online retailers dealing in all kinds of products. They vary from groceries to mass …

A Look-Back at My Blog for 2016

2016 is drawing to a close and it is an opportune time for me to reflect on my blog for this year. Regular readers of my blog would know that my blog posts this year have tilted towards understanding the business of the industry/ company. This is most …

Asia Honeymoon Itinerary – Japan / Korea / Taiwan


If you’re looking for a cheap but romantic destination in Asia, Taiwan is one of my favouritie countries to visit. I highly recommend visiting, and it is a place that I always find myself coming back to!

Go during January – March if you’re a fan of the cold, so you can snuggle up with your other half while being bundled in pretty coats. It isn’t too chilly either as the temperatures feel more like air-con levels, and there’ll be sakura blooms at Yangmingshan as well if you’re keen on that!

Here’s a recommended 10-day itinerary which we planned when we went there to get some romantic time together.

Day 1: Land in Kaohsiung

– Pier 2 Art District
– Formosa Boulevard Station (Dome of Light)
– Cijin Island half-day island cycling (cheap seafood + lighthouse)
– Love River

Day 2: Kaohsiung (Zuoying)
– Lotus Lake
– Ancient buildings behind the old city wall 
– Travel to Taichung

Day 3: Taichung

– Dakeng Lovers’ Bridge
– Xinshe Castle day trip (via car or bus)
– Feng Jia Night Market

Day 4: Taipei
– Travel to Taipei via HSR
– Bei Tou Scenic Area
– Bei Tou Geothermal Valley & Hot Spring
– Ximending shopping

Day 5: Taipei
– Taipei 101
– Maokong Gondola
– Yangmingshan (afternoon to night) OR Wufenpu shopping
– Raohe Night Market

Day 6: Taipei (Shifen & Jiufen)
– Day trip to Shifen Old Street (via train, go for the sky lanterns)
– Evening trip to Jiufeng (bus or car)
– Jiufen Night Market

Day 7: Hualien
– Travel to Hualien via HSR
– Taroko Gorge National Park

Day 8: Kenting
– Travel to Kenting via HSR
– Kenting National Park (Valley of Hanging Banyan, Fairy Cave, Silver Dragon Cave)
– Chu Huo Special Scenic Area (at night)

Day 9: Kenting
– Eluanbi Lighthouse Park (kissing rock)
– Nanwan Beach (for water sports)
– Kenting Night Market

Day 10: Kaohsiung
– Bus back to Kaohsiung for flight
– Fo Guang Shan Buddha Memorial Centre
– Fly back


With the growing popularity of the K-wave spreading across Asia, it is no wonder that South Korea has quickly become a hotspot for couples inspired by the romantic love in K-dramas.

Fans of K-dramas will probably want to check out hotspots where Winter Sonata, Descendants of the Sun or other Joseon-era shows were filmed. You can easily find these locations via a Google search.

I recommend avoiding July – early September as summer in South Korea can get quite unbearable, even for a Singaporean used to the heat and humidity. September to November are the best times to visit as that will coincide with the autumn season, and you’ll see the leaves turn a pretty shade of orange, making for extremely romantic walks with your other-half.

My itinerary focuses more on Seoul, Busan and Jeju as I’m more inclined towards the sights in these areas. It is easy to get around as South Korea has an extensive rail system and buses are also aplenty.

Day 1: Land at Incheon Airport
– Transfer to Gimpo Airport and fly to Jeju
– Yongduam Rock
– Mysterious Road
– Hello Kitty Island

Day 2: Jeju
– Love Land Sculpture Park
– Udo Island via ferry
– Cheonjiyeon Waterfall

Day 3: Jeju
– Seongsan Ilchulbong (Sunrise Peak) crater and hiking
– Seopjikoji (canola flower field and lighthouse evening trip)

Day 4: Busan
– Travel to Busan via train
– Haedong Yonggung Temple
– Dinner at Jalgachi Fish Market

Day 5: Busan
– Taejong-Dae
– Spa Land

Day 6: Seoul
– Travel to Seoul by train
– Gyeongbokgung Palace
– Bukchon Hanok Village
– Samcheongdong

Day 7: Sokcho
– Seoraksan National Park via bus

Day 8: Gangwon
– Nami Island (Forest of Sweethearts) day trip via ITX
– Jade Garden

Day 9: Seoul
– Hongdae Youth Street
– Seoul Tower (lovers padlock)
– Dongdaemun night shopping

Day 10: Seoul
– Ehwa University and shopping street
– Myeongdong shopping
– Fly back


I’ve not been to Japan, so this itinerary was kindly contributed by my friend J who visited last year.

It goes without saying that Japan has always been a popular dream honeymoon destination for many Singaporean couples. In fact, two of my best friends who got married this year are heading there for their honeymoon as well (a completely unplanned coincidence!).

It is a unique country where one can experience ancient traditions, world-class cuisine, romantic scenery in quaint rural village, great nature trails and of course, the cherry blossoms.

My must-do in Japan is to take a sunset helicopter cruise over Tokyo’s dramatic skyline. It may be a little more expensive, but well worth every penny of your 20 minutes. Without further ado, here’s the suggested itinerary for couples:

Day 1: Tokyo
– Land at Narita airport
– Shinjuku district
– Sunset helicopter cruise
– Shinbuya shopping

Day 2: Kamakura
– Day trip to Kamakura via train
– Engaku-ji temple complex
– Jochi-ji temple complex
– Back to Tokyo via train

Day 3: Nikko
– Day trip to Nikko via train
– Tokugawa Ieyasu Mausoleum
– Kegon Waterfall
– Lake Chizenjiko
– Yumoto Onsen

Day 4: Kyoto
– Travel to Kyoto via Shinkansen train
– Kiyomizu-dera Temple
– Maruyama-koen Park

Day 5: Kyoto
– Nijo-jo Castle
– Arashiyama Bamboo Grove
– Okochi-Sanso Villa

Day 6: Himeiji
– Day trip to Himeiji Castle via Nozomi train
– Yoshitake Shrine
– Japan Toy Museum
– Travel back to Tokyo overnight

Day 7: Hokkaido
– Fly to Hokkaido
– Sapporo shopping
– Otaru Canal and Sakaimachi Street

Day 8: Hokkaido

– Hakodate Morning Market
– Mount Hakodate sunset

Day 9: Hokkaido

– Date Jidaimura theme park
– Noboribetsu Onsen

Day 10: Hokkaido
– Jozankei Onsen
– Hoheikyo Dam
– Futami Suspension Bridge
– Shiraito Falls OR Pool of Maizuru
– Fly back at night

—- Other Sites & Booking Resources —

As this is a consolidated overall view of itineraries for 3 countries, I focused more on the attractions and things to do rather than the nitty-gritty details of where to stay, what to eat, transport arrangements in between, etc. You can easily find that via a quick Google search, or decide on the itinerary you’ll like to follow and browse other blogs where they describe (some) of the to-and-fros in detail.

Japan, Korea and Taiwan are fantastic destination choices because all of them have an amazing inter-city rail system, and it is really easy to get around via public transport. You’ll come to know them like the back of your hand after spending a few days there.

When it comes to booking all the different activities, I tend to rely on Klook – and you can check out this post I did where I back-tested their prices against various travel-booking sites for various destinations and they almost always came up as the cheapest. Most importantly, I really appreciate their instant-booking mobile ticketing system for many of the sites, which allows you to literally book the ticket while you’re standing outside the gates and get immediate entry, therefore skipping the queue. Saving time is of the essence if your aim is to cover as many sights as possible!

Budget tip: Get $10 credits free for booking your activities with this Klook link (no minimum spend required) and an additional S$5 off your first booking with the voucher code KLOOKBUDGET

I’ve also deliberately excluded hotels and flights, as it makes more sense to tap on whatever promotions are available. If you’re thinking of saving on the flights (therefore going via budget airlines), you can also check out this post I put together previously on how you can score great flight savings.

For all of my trips overseas, I usually book my accommodations via Agoda as they have really low prices for different types of accommodations (budget hostels to luxury villas) and offer a fantastic rewards system which rewards you for continued bookings. I’ve been using Agoda for a good few years now.

Here’s wishing you a romantic honeymoon with lots of savings!

With love,
Budget Babe

Singapore Stocks Market: Outlook

I was browsing through the different stock prices as usual. Given the recent spate of local M&As and delisting manoeuvres, it seems to me that the number of quality stocks have decreased in our local bourse. With well-known local companies such as OSIM, SMRT and Eu Yan Sang International delisting, is the local market valuation truly too low as compared to the global valuations?

A simple Google

What I’m Using to Book and Save on Attraction Tickets (Klook Review)

With 10 long weekends coming up in 2017, where’s the best place to go for a short (and ideally cheap) getaway?

Work has been getting increasingly stressful for us this year with more responsibilities on our plate, and we definitely need to get out of the country once in a while to recharge and escape from it all.
There are tons of cheap deals and discounts running for flights and hotels, and I’ve detailed some tips on how you can pay less for budget flight tickets for a trip out of Singapore in a previous post here.
But just as you get all happy with having gotten a cheap plane ticket, there comes the headache of having to plan your travel itinerary and book all the respective tourist attractions. The costs escalate, and I lost track of how many hours I’ve spent on researching each attraction because everything is always in different websites or places. Every website promises to give the lowest cost available, and then I find another website with an even lower cost after a few more minutes of Googling.
So when my university course-mate introduced me to Klook, everything suddenly became so much easier! I get to see most of the famous attractions and “must-do” activities in a country, and book them all from one single place. Furthermore, their discounts are pretty amazing. I tested this out on a few attractions I’m been meaning to visit and these were the prices I found:

(I tested each out for 9 Jan, 2 adults (1 couple la, good things must do in pairs) and kept the currency constant)

Cruise over Tokyo in a helicopter (let me pretend I’m starring in that scene in Episode 2 of Descendants of the Sun can?):

*voyagin flight prices were for a private charter

Hong Kong Disneyland

4-course Cable Car dining

Universal Studios Singapore

In all cases, Klook always came up as the cheapest for the attractions. What’s more, I get to read reviews of each activity within the site instead of scouring through blogs and TripAdvisor for reviews individually.

My only grouse was that they seem to only have attractions for Asia right now, and I’ll love to see Europe and USA added into their website over time as tourist numbers continue to grow.

This is not a sponsored advertorial, and I’m sharing this because after trying it out for myself, I realised how easy it has become to book and plan my travel itineraries using Klook while getting discounted prices at the same time. 

Due to the multiple layers of distribution and partnerships in the travel industry, everyone knows prices for an attraction can vary vastly across different sites, and much research is usually required in order to find the lowest priced ticket. I remember spending endless hours planning for our Taiwan trip, as I was researching and buying tickets for our activities from different platforms just to save on costs. Klook, on the other hand, is usually the cheapest (unless you have other promotions for credit cards ongoing).

I also get instant confirmation and skip the queues!

Here’s the best part: I can literally book my tickets while standing at the attraction gate, get it instantly on my mobile and enter the park right away, skipping all the queues. For Hong Kong Disneyland, many people have to buy and collect over the CTS counter for discounted tickets, but with Klook, I no longer have to do that. Saving both time and money is definitely a win-win in my books!

While I was still in the midst of comparing Klook to other discounts, I read in the papers that they had partnered with Scoot to pay for a cleaner’s foiled trip after she was cheated by a travel agency which folded on the day of her intended departure. Who doesn’t like a brand with a heart? Great PR, Klook!

I’m already planning and booking my activities for 2017 trips to Korea and Bangkok now via Klook, and if you’ll like to use it for your own itinerary, how about signing up via my link to get an extra $10 credits free with no minimum spending? We can both benefit together, lah 😀

Enter voucher code KLOOKBUDGET to get a further S$5 off your first booking (now you can get into USS for just S$56 to check out their Christmas deco!), valid until 30 June 2017.

Sign up at my link here!

With love,
Budget Babe

Why Is Protectionism A Concern For Singapore?

After the election of Donald Trump as US President, it has been said that his protectionist stance is bad for open, trade-reliant economies like Singapore. But what is trade? My idea of trade has stagnated since the secondary school days, when we learn…

Be Careful of Sneaky Bank Charges

If we’re not careful about banking fees, we’ll be losing a lot more than we gain from the bank.I learnt this first-hand when I didn’t monitor a savings account I had opened during my university days. I always thought just keeping it aside would be safe…

Hu Li Yang’s Half by Half Theory

Hu Li Yang’s theory:
1) If an index’s price drops by 50% from its peak, it has entered an "fair value" price point
2) If an index’s price drops to around 25% from its peak, it has entered a "extremely undervalue" price point
3) When recovering from the bottom, the index will always face selling pressure at 2x the bottom price
4) During a bear market rebound, you can forget about fundamentals