Personal finance can be daunting. We can take small steps to start taking control of your personal finances and work towards achieving your goals.
Due to social norms, we tend to accept wedding invitations and take them in our stride. Even if they are friends that have not spoken to you in years (I am not sure if we can still call them friends) or an acquaintance that you barely know. We might feel guilty for rejecting the invitation […]
Saying No To Wedding Invitations Is Liberating Read More »
A Singapore-based MLM recently held a dinner for its 26,000 employees and distributors in Taiwan that supposedly cost S$4.35m. I actually attended a “concert” in 2018 by the same company with a couple of my friends as they had free tickets. The first two hours are actually used to celebrate the achievements of the top
Asked To Join Or Buy From A “Legal” MLM? Factors To Consider Read More »
While I was doing up the article on the expected values of different gambling games in Singapore, I came across a 2020 survey by the National Council on Problem Gambling. I decided that the survey deserves its own blog post. This is the 6th survey on the gambling participation of Singapore residents administered every 3
Gambling In Singapore – NCPG Survey 2020 Read More »
The house always wins. We always hear this when we talk about gambling. But what about that cousin’s friend’s brother who made a killing? For every winner, there are multiple losers. On top of that, although they made money on their latest bet, they fail to take into account the previous times that they lost
The Expected Value Of Gambling $1,000 On Various Games Read More »
We have individuals min-maxing CPF to give themselves a fat retirement while we also have individuals complaining that the government wants to control their hard-earned money in CPF. Generally, the former has CPF as one of their multiple pillars for retirement while the latter will have to depend on CPF and cash savings. There won’t
CPF Is A Useful Tool For Us Irrational Humans Read More »
Here are my monthly financials for March 2023. Top 3 Income Sources Interest – S$1,476.11 This is interest from Tbill, Trust Bank and coupon payments from SSB. Dividends – S$271.49 This is dividends from IREIT and AIMS APAC. Government Grant – S$200 I managed to pass my first IPPT in my last IPPT window. You
Monthly Financials – March 2023 Read More »
I was wondering why I didn’t receive my NS FIT and IPPT payment after 2 weeks so I went to check my bank account. I then realised that I actually received S$40 less than what I was supposed to. After doing more digging and research, the S$40 was automatically deducted directly from my IPPT incentive
SAFRA Might Be Silently Taking $40 Away From You Yearly Read More »
Trust Bank has a base interest rate of 1.5%. When we have 5 confirmed eligible purchases using the Trust card, we can start getting bonus interest of 0.5% – 1%. In the blog, I will share with you the Shopee 1 Cent Voucher hack that I have been using to achieve the bonus interest as
Trust Bank Bonus Interest – Shopee 1 Cent Voucher Hack Read More »
Here are my monthly financials for February 2023. Top 3 Income Sources Interest – S$564.37 This is interest from Trust Bank and coupon payments from SSB. Merch Sales – S$79 I received US$62.99 worth of commissions from selling merch on TeePublic and Redbubble. If you like to find out more about selling merch, you can
Monthly Financials – February 2023 Read More »
Finance Minister Lawrence Wong announced the 2023 Budget on 14 February 2023. I have summarized how much and when we will receive the various disbursements. For full details, please visit the Budget 2023 site. Summary Of Cash & Non-Cash Payments In 2023 Months Of 2023 Type Of Disbursement Amount JAN CDC Voucher $300 Cash Vouchers
Budget 2023 – How Much You Will Receive And When Read More »
