Many blogs and websites have wrote about their views about why you should not pay off your home mortgage early. They advocate that you should keep your low interest home mortgage for as long as possible while investing the rest of your money in investment instruments that offer a much higher potential return. In this…
“Am I ready to retire?” This is a question that many people ask themselves when they are thinking of quitting a job and wishing to travel the world for the rest of their life. When I say ‘them’, I’m kind of referring to me. 🙂 The Rule of 300 The Rule of 300 is basically…
This month was rather muted for me as there wasn’t any returns on my investment portfolio. But apart from the regular income from my day job, I have earned $624 from my side hustles this month. Active Income: $600 Webhosting Renewal ($300) I received a quarterly payment for a webhosting and content management service from a client whom…
For the past few weeks, I’ve started packing lunches to work. There were quite a few reasons for me to do this. My office area only has a few reasonably-priced lunch and I don’t fancy myself dining in restaurants that often. It is also for health reasons as home cooked meals are definitely much more nourishing…
I’m a big believer of using data to make forecasts and decisions. Having painstakingly logged all my daily expenses for the past 6 months, I felt that it’s a good time to analyse these data to understand how my spendings are like over the past few months. Mickey Moving Average Expense Index The Mickey Moving Average Expense…
OCBC has just announced new updates to the bonus interests offered in their OCBC 360 accounts. You can read the details below but in short, it’s bad! The OCBC 360 account is a textbook case of showing how many hoops consumers would jump through for bonus incentives. It’s a win-win situation for both consumers and…