It has been more than a month since the collapse of the Terra Luna ecosystem which was an episode that sent shockwaves across the crypto world. As the dust settles and emotions are collected, I think the time is right for me to write about my participation in this seminal event on my blog. In […]
From SOR/SIBOR to SORA interest rate benchmark, how would this affect your home mortgage loan?
Before the end of 2022, all SOR-based property loans would have transited to SORA interest rate benchmark. If you have an existing housing loan that is pegged to Singapore Dollar Swap Offer Rate (‘SOR’), your bank might have or will be contacting you about the need to move to a new loan package. In case […]
Rex International Initiation Report- How Much Is My Target Price
Rex International Holding Limited (‘Rex International’) is full-fledged, independent upstream player in the oil and gas sector. It is listed on the Singapore Exchange (SGX) Mainboard after having successfully transferred from the Catalist in Mar 2022. It IPO-ed backed in July 2013 at a price of $0.50 but its share price had languished since as […]
My Experience Helping My Parents Apply For HDB Sale Of Balance (SBF) Flats
(Source: Nguyen Thu Hoai/Unsplash) Readers who subscribe to my mailing list would have known that my parents finally received their Singapore Citizenship (‘SC’) status this year. Having lived in our tiny island for over 40 years, they are already Singaporeans at heart a long time ago. However, I can assure you that getting SC is […]
REVIEW OF INCOME’S 3-YEAR INSURANCE SAVINGS PLAN: GRO CAPITAL EASE ECO
This May, NTUC Income (“Income”) launched their short-term insurance savings plan – Gro Capital Ease Eco, which offers a guaranteed maturity benefit of 105.56%1 of the single premium after 3 years. Here’s Heartland Boy’s review of Income’s Gro Capital Ease Eco. INCOME’S 3-YEAR INSURANCE SAVINGS PLAN: GRO CAPITAL EASE ECO If you are looking to […]
Cruise To Nowhere: Royal Caribbean Spectrum of the Seas Review
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 […]
