Honestly, I did not expect any gifts from my students on this day. Well, to me, the irony is that any teacher that “expects” to…
On Optimisation “Huh? I have to eat Cai Peng everytime because it’s the most value-for money? What’s the point of retiring early then?” “What?! Manage…
TL;DR: If I were still on the HDB Concessionary Loan for the mortgage of my flat, I would switch over to the POSB Home Loan…
The market had a mini sneeze during the past couple of weeks and the 15HWW portfolio was not spared. The portfolio rose slightly by $1k…
We spent less than $3,400 in July and after including this month’s expenditure, our average monthly expenditure this year has been cut to around $4,420. Although we…
As most followers of this blog knows, we record our monthly expenses almost religiously. I have little doubt that this is the best way for us to…
Background In early 2013, when I first received the keys to my BTO flat, I had a mortgage of about $255,000. Like most first-time BTO…
There’s a little bit of euphoria in the market in the past few days as the STI Index breached the 3,300 mark temporarily yesterday. However,…
Dear OCBC 360, It pains me to write this break-up letter. I have actually developed real feelings for you during the past 3 years. Over…
We spent about $4,300 in June and yes, even after May’s large travel expenditure, this month includes air tickets too. After including this month’s expenditure, our average…