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Showing posts from December, 2016

Mid-year review: Goal met of $200k cash at 28. $400k+ net worth and Astrea bond V

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Half a year gone.

I still have not gotten my keys to my new home and am still childless. Ok, TMI.

On financial front, I've been seeing a steady increase in my net worth. As at my last update in end 2018, my net worth was at $372k.

Half a year later, I've successfully crossed $200k cash savings (previously it dropped as I topped up my MA) and exceeded $400k in networth. I may be able to hit $450k by end year but will just need to carve out some money for renovation and home stuff.

Most gains came from employment. While I lament how sick I am of work, it is my main source of $. I've not added any stocks and can never not live off my portfolio for passive income. It is with salary crediting that I've received 1.85-2% interest on my DBS multiplier anyway.

I've been thinking if I'm making my money work hard enough. I occasionally browse the SGX hoping to see some stocks to purchase, but am not comfortable enough to make the move.

Since Jan till date, my transactions …

5 Last minute Practical Christmas Gift ideas Below $30

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It's just one week to Xmas! No wonder the crowd at Orchard yesterday. There were full of people at Takashimaya, ION looking for gifts....or are they impractical ones?

Every Christmas, we fret over what to gift to friends, colleagues and families. I, as a self-proclaimed ultra practical person will never buy gifts that are impractical. I'll SMH and feel disappointed when I received impractical gifts like chocolates (very insincere leh, unless it's Royce lol), The Body Shop lotion (no use la!), piggy banks (I'm big enough leh!) and notebooks (not laptops but jotter books! They're fancy, but I get so many free during fairs and I can't finish using!). Since I'm already spending money liao, might as well gift something useful right?

Better late than never, so here's my guide to 5 last minute below $30 Xmas gift ideas if you want to gift something practical. Disclaimer, what's practical for me may not be for you and if you're purchasing these online, …

Damn those wisdom teeth

I've a total of 4 wisdom tooth that has yet been extracted. People say that if you dont feel aches, there's no need to remove those tooth.

But, I've been having toothache on my lower right molar area. I knew my 4 wisdom tooth were growing in weird directions during my x-rays years ago. The dentist said that she could not remove them as they're still growing and it is possible that my tooth would grow vertically just like normal tooth which does not require extractions. However, years later, I could see that my 4 wisdom tooth are impacted - meaning, they are growing against my molars. Also, I've noticed food stuck at the gums between the molars and the wisdom tooth - very gross because there is a hole that traps food already.


I've been putting off the extractions for the past few years. My dentist wanted to do a X-Ray for me to check on the tooth before assessing if I should remove them but I didn't bear to spend the money on the X-rays :X. Was also thinking…

4 lottery winners who lost it all

I like the caption below:

With the Powerball jackpot soaring to $415 million, it’s important to remember that money doesn’t solve life’s problems. In fact, many people’s lives took a turn for the worse, and they managed to lose all the money. 

What would I do if I strike the lottery?

1. Keep quiet
This might be hard to do considering that I like to share my joy. But, I'd like to keep my mouth shut and not share this news to anyone - not even my partner and family. I can already imagine what my dad would say and think - he'd expect me to fork everything. He'll probably share this with the external family who wouldn't let me off easily. More family politics will ensue.

As for my partner, he'd probably still treat me the same, but I can't trust his mouth. If he'll to share this news with his family, I'll be labelled as niao if I dont pay for stuffs. Tongues will wag, and I can't take these.

Keep quiet for my own sanity.

2. Continue with my life, as per n…

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