My family sailed on Royal Caribbean’s Quantum of the Seas in February 2021 and had nothing short of a fantastic time. My daughter, Olympia, has been reminiscing about her time on the cruise and badgering to go on a cruise ship again. Therefore, when news that Spectrum of the Seas would start sailing in Singapore […]
Review of Instarem amaze Card: Avoid foreign currency fees, receive additional cashback
There has been 1 card that hasn’t been receiving the online attention that I think it deserves – the amaze card available on the Instarem mobile app. Launched in Aug 2021 by NIUM, this smart card serves as a one-stop payments solution. Amaze card users can (i) enjoy 0.5% cashback that can be stacked on […]
The effects of a high inflation rate on my household budget
Make no mistake, inflation has truly arrived on our shore with its tentacles reaching every nook and cranny of our little island. Instead of being transient, it has grown increasingly persistent to the extent there is no escaping from its insidious effects anymore. Just last month, the Department of Statistics Singapore announced that February 2022’s […]
uSMART Singapore Review- Low-cost trading, backed by Chow Tai Fook Group
uSMART Securities, backed by Hong Kong conglomerate Chow Tai Fook Group, is here in Singapore! For traders and investors such as myself, this can only be good news as more choices may invariably lead to better features and lower fees. I was more than excited to try a new platform and take advantage of the […]
Heartland Boy 1Q2022 Investment Portfolio Update
3 months ago when I reviewed my stock performance for Year 2021, I ended with a note that I was quietly confident my portfolio was well-positioned to take advantage of the spiralling prices in commodities and runaway inflation. Not only did these themes pan out in the first quarter but they also accelerated with Russia’s […]
Get affordable cancer insurance coverage from less than a dollar a day
The Need For Cancer Insurance Policy Like it or not, the reality is that cancer can happen to anyone regardless of age and lifestyle and remains the no.1 cause of death in Singapore (Source: MOH). A cancer diagnosis without adequate health insurance coverage can in fact snowball to a huge financial burden. It is therefore […]
Interest rates are going up, time to refinance your housing loan?
The most recent cycle of rising interest rates was between 2015 to 2018 before it was abruptly interrupted by the Covid-19 pandemic. In a bid to keep their economies afloat then, central banks all over the world raced to dole out monetary easing policies. Since Singapore’s interest rates are partially influenced by the USD, many […]
I had surgery in a government hospital, here’s how much it cost
For more than a decade, I would have an average of 4 tonsillitis episodes a year and each bout of attack could only be resolved with antibiotics. I was constantly reminded by Heartland Girl that one of the well-known consequences of prolonged use of antibiotics is bacterial antibiotic resistance. She even remarked that she wouldn’t […]
I Replaced My Parents’ Eldershield To CareShield Life For Better Coverage
Since CareShield Life was announced back in 2018, I have been actively monitoring its development to understand how it affects my family’s insurance coverage. I take a keen interest because I am a strong proponent of severe disability insurance coverage. For the past decade, I have witnessed first-hand how my grandparents are unable to perform […]
Achieved A New Milestone Income From My Dividend Stocks
2021 was a significant year in my investment journey because I achieved a new milestone income from my dividend stocks. For the first time ever, my dividend income breached the magical 5-figure mark. If you have asked the 26-year-old me back when I first started investing in 2014, this would have been quite an unimaginable […]
