Category: Heartland Boy

Thoughts On The NTUC Enhanced IncomeShield Plan Premium Increase

Effective from 1 May 2020, NTUC Income has increased the premiums for its integrated shield plans (‘ISP’). The upward revision would only affect its Plus and Assist riders as these are riders introduced before the Singapore government’s announcement on 7 March 2018. Since that fateful announcement, the medical health insurance landscape has witnessed the following […]

The post Thoughts On The NTUC Enhanced IncomeShield Plan Premium Increase appeared first on Heartland Boy.

How Parents With Young Children Can Survive Without Buying A Car

When Heartland Boy announced to family and friends that Heartland Girl was pregnant with Olympia a couple of years ago, a common response was, “So, presumably you would be getting a car as well?” While it was clear that they had decided to add a baby into the family then, they were equally adamant NOT […]

The post How Parents With Young Children Can Survive Without Buying A Car appeared first on Heartland Boy.

Riverstone Holdings Limited: Initiation Report

Riverstone Holdings Limited (‘Riverstone’) is a leading global supplier of cleanroom and healthcare gloves headquartered in Malaysia and listed on the Singapore Stock Exchange (‘SGX‘). Riverstone IPO-ed in Nov 2006 at 12 cents with a ticker code SGX:AP4. As at 24 April 2020, it has a market capitalisation of SGD$881 million. The business model of […]

The post Riverstone Holdings Limited: Initiation Report appeared first on Heartland Boy.

Singapore Banks Reduce Interest Rates On Their Best Savings Accounts

On 1 Apr 2020, the top 3 local banks made announcements one after another. They all bore a similar theme- interest rates cuts on their high interest-rate savings accounts. It was not even a cruel April Fool’s joke because these changes would take effect as soon as 1 May 2020. This article summarises the reductions […]

The post Singapore Banks Reduce Interest Rates On Their Best Savings Accounts appeared first on Heartland Boy.

Review of NTUC Income’s Capital Plus 3-Year Endowment Plan

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 […]

The post Review of NTUC Income’s Capital Plus 3-Year Endowment Plan appeared first on Heartland Boy.

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 […]

The post Investment Decisions I Made Leading Up To the Fastest Bear Market appeared first on Heartland Boy.

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 […]

The post Review of MealPal Singapore That Now Serves Hawker Food appeared first on Heartland Boy.

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 […]

The post Review of MoneyOwl Comprehensive Financial Planning Service appeared first on Heartland Boy.