Talk is cheap

You know I dont really like to get into a blogpost that starts with something pretty negative but I realised that talk is cheap. I have seen too many if it happening in my lifetime and this trend doesn’t seem to end.

As a fresh out of school graduate, I have my own visions and ideals. I meet people and many shared valuable insights as well as suggestions. But over time, the things that irks me the most is people just talking cheaply.

Perhaps one might think that talking great is the sign to how a person or how the public view you. After you rough it out in the real world, you don’t really value talk that much. When you need to get work done, you get your hands dirty.

So, generally to speak when people say you have to spend less, make more. I get it about the spending less portion. However, making more is an issue. No doubt, therr are many ways to supplement an income. Thr key question is, are you willing to do so or can you do it. Usually these jobs or work or gigs requires you to fufill a certain standard or level. These work requires actual physical or servicd delivery. Does the talk guy work in this scenario? Nope. 100%

Fighting inflation is tough. Keep thinking and striving. Dont listen to talk only guys. Some times, hardwork is what you need to explore new revenues.

Or, sometimes these are opportunistic times to make a few thousand extras a year. But bear in mind these opportunities don’t come easy. No one minds extra income. Just don’t fall into the trap of the talk guy.

Mental Health & Wellness

The fact that the pandemic has brought about a series of issues is indeed appaling. At a time where I felt that I would probably not experience something of thisnin nature

However, I was so wrong. Mental health and how you tackle it can come in different forms. It can be in the form of family issues or work related. It can appear in multiples or a singular variation.

For myself, it only came to light that I had a mental breakdown only when I faced with multiple angles of reprimand, sacarsm and belittling sense of blame. I also attribute it to multiple modes and causes. It could have been comparison and the realisation that one is beneath everyone else. In that sense, there will be cracks in whatever one approaches and struggle to find peace.

For me, what seemed like reflections and resetting mindset eventually brought about plently of negativity. The feeling of failure to do anything became apparent. The loss of confidence to have a level of faith slowly fades away. This is quinessential when dealing with personal life as well as professional life. How do one deal with things when your own confidence take a hit.

Perhaps some will say that one’s mind is not strong enough. Or it will not happen to me. Trust me, I’ve been there and the moment it hits you, it is like an exponential smack on your head. You have no response time and might eventually sink deeper into a sinkhole

Do you ever fear about every single message you receive from someone? Do you get a panic attack from every single meeting? Do you feel like you are the only person who was unable to deliver?

There are actions to be taken for your own sanity. Mental health is not a joke. Just remember that by the time you realised it, it is going take an even longer time to heal. Thes best part however is, it will end once you take actions to stop the bleed.

I pray for all of you who experienced it one way or another. You are not alone. Reach out and protect yourself. Rid the naysayers. We are all built different and function the best in different mode

Webull Security Brokerage Review

Webull has been around in Singapore for some time now and is the cheapest brokerage firm to use at the moment because it is Free to trade with them. No commission fees and zero platform fees. Of course, normal fees still apply (such as GST, clearing fee, individual country’s fees and other miscellaneous fees) – Usually, quite a small amount.

There have been a number of brokerages to date and all of them are funded by big names. Most likely to get people onboard.

Who is Webull

Webull Securities (Singapore) Pte. Ltd. is regulated by MAS and holds a Capital Markets Services (CMS) Licence to operate here.

In terms of its background, Webull was founded by ex-Alibaba employee Wang Anquan, and its parent company is Fumi Technology – a Chinese holding company with financial backing from Xiaomi, Shunwei Capital, and other private equity investors in China

Welcome Offer

As part of their sign-up offer, you can now get up to USD 130 worth of Tesla shares when you register and trade with Webull.

Keep in mind that the welcome offers change periodically, so be sure to check for their latest promotion before you sign up. (I believe this will end by 14 October 2022 so fastest fingers first)

Now, you have to do the following:

  1. Register for a Webull account first here: Webull sign-up link You will receive a 1-month level 2 US Market Data Subscription
  2. You need to make initial funding of SGD 2000 and execute 1 stock or ETF buy Trade on the USD Market within 30 days. You will receive USD 100 of Tesla fractional shares
  3. If you execute at least 1 option buy trade on the USD market within the same 30 days, you get an additional USD 30 of Tesla fractional shares.

Why Webull

More of a reason to use Webull is their ability to do fractional trading at a minimum about of USD 5. Fractional trading is fractional share is a portion of an equity stock that is less than one full share. As I have always preached about starting to invest early. This is probably the fastest and easiest way to do so by trading in small sums if you are not so confident or if you do not have a lot to start with.

Of course, you still need to do your own diligence but if you have a strategy to collect certain counters, you can certainly do so at a lower quantum now.

Additional Perks

A little additional perk is that you can now open and grab your GRAB Vouchers (S$10) once you sign up. I believe this is probably an additional bonus perk just for signing up.

To sign up, please use my referral code here at Webull sign-up link.

It is just to keep lights running for my blog and domain if you like reading content from me. Do comment below on any stuff or topic that you would like to know more about and I will try my best to bring it to you.

Thank you in advance!

Please note that this is affiliate marketing and I do get a referral from recommending this product. However, I have used this and I quite like their platform which is easy to use. So this is a quick and easy way to make about SGD 140 – USD 190 just simply taking about 30 mins or an hour to do the following steps.

Grab Rewards Points Nerfed

It is pretty sad to see the grab reward items slowly cutting away the perks and double dipping. Understandably, all good things must come to an end and all business have to be concern about their bottom line.

From 14 Oct 2022, everything will change. In short, there’s nothing much to look forward to except:

Using the Amex Cashback Card, UOB Absolut Card and Singapore Airlines Business Credit Card to top up your grab wallet and using the funds to pay for items that does not usually give you any rewards in the first instance. Better than nothing I suppose but even if you don’t do it, I don’t think you will miss out much on the small “rebate”.

What are the changes?

  • From 14 October 2022, you will only get up to 1.2 per cent back in GrabRewards points for every $1 spent on:

Online GrabPay Wallet transactions at Grab’s merchant partners and Grab services or Paylater transactions by Grab.

  • You will no longer get the rate of 1.2 per cent back per dollar spent. Instead, each in-store GrabPay Wallet transaction at Grab’s merchant partners will grant you a chance to win up to 25,000 GrabRewards points. So much for a lottery chance.

  • Then to put the icing on the cake, you will get 0.3% back in GrabRewards points for every $1 spent on GrabPay Card Food & Beverages (F&B) transactions with the following MCC:

  • 5811 – Caterers
  • 5451- Dairy Product Stores
  • 5814 – Fast Food Restaurants
  • 5812 – Eating Places and Restaurants
  • 5462 – Bakeries
  • 5813 – Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques
  • 5441 – Candy, Nut and Confectionery Stores.


It is not unexpected but I must say I have been spoilt by what could be done during the initial phases where Grab was trying out. Now that they met the targeted crowd, it is time to tighten their belts. Someone has got to tell them that if they expect some form of stickiness after a long time of being entrenched into the ecosystem, they are probably not getting it.

Perhaps their data tells a different story but I’m not tell them how to run a business.

Missing in Action

So, I was missing in action for a few months because of a new job. But this new job takes a toll on me, on my life, my mental state of health and takes away everything that I liked. It just means that, I stopped liking or wanting to do anything at all because of the job. After 2 months, I can’t help but just say that I really hated my job. As much as I hated it, it brought me a humble experience. I realise how much I did not know and understand about things. It also taught me to think thrice about doing something that I’m not very well versed.

At the end of the day, I attributed it to a lack of communication and a vary of too versatile flow of the business. In summary, anything and everything can happen under the sun. There’s only 24 hours to a day, 5 hours of sleep, 3 hours of family (If lucky) and the rest of the 16 hours is just slogging and slogging of work. Working for what? What are we working for? I still could not find the answer.

Maybe I’m just not smart enough, quick enough or maybe I am just not suitable. I spent many days of reflection until my own confidence took a hit. That was tragic, I knew that once it hit me there I’m going to crumble and will take some time to recover from this.

My solution was to resign without a job because I am unable to perform to the best of what I feel I can do. This would only bring me more sunken and depressed feeling. I still have some time left with the company. I can’t say much except that it is best for us to part early. For my own mental wellness and for their own good. After all, no one is indispensable.

Looking forward to the day I can make further blog updates and think about what is next.

Money is Indeed Everything

Indeed in our world today, in this small island of affluent rich Singaporeans. Money is everything. It puts not just food in your mouth but also entertainment all day, all night long. What would you do without money? Cryptocurrency has taken a big fall along with traditional investments and the biggest news in town isn’t Bitcoin crashing down from it’s ATH (all time high lingo)

I also dabble in Cryptocurrency and at one point it made up about 20-30% of my entire portfolio. Which was amazing to be honest. It just raked on and on but I didn’t not take any profits. Instead I sink more into the ecosystem and punted for the 100x goal. Did I buy Luna? Did I do UST? No, I did not. Why didn’t I? I wasn’t too sure as well as I was playing MM.Finance and Dark Crypto Defi.

The Terra Luna Conspiracy

At one point I even pondered why didn’t I joined in the party at Terra Luna. But I had 0 holdings and I was wondering what did I miss out. Again, the 100x token. Unfortunately, things goes off in a snap this is part of the world and liquidity spiraled down to a level of pure single death tone. I’m not too sure how many people were hit locally but I do know there were plenty of suicidal comments online.

I read in many spaces that talked about having an asset allocation of not more than 5%-10% in your investment portfolio. But in that part of the space in my memory, it is just a 100% allocation into crpyto. I can’t help but feel sad to see it is down more than 50% but at least those were the profits that I ploughed in during the good times. Perhaps it is just time lost and research wasted.

Humble beginnings

In any case, It really brings back to the initial launch of why I started to note down my financial and blogging journey.

a. Don’t put in everything you can’t afford to lose when you invest. (Naysayers will say they took all the risk and became rich and that’s fine too if you made it) But I’m adverse. I have 2 young kids to feed, a mortgage and a car loan that is about to be paid up in a few years.

b. I’ve always been a bit skeptical about the all-in concept. How am I going to pay my bills for the next 6-12 months? Perhaps I’ve experienced this twice in my life. The first when I was in Secondary School where I had only $100 bucks in my bank account because I did not keep track of my spending. Needless to say, my parent’s scholarship eventually made up the bank book when I went to Tertiary.

This just proves that at a young age, it is hard to grasp the concept of personal finance. Especially when you can reach out and ask for money from your parents. This is non-existent in the World called America and Europe. Only Asian Parents do such things to spoon feed their previous child. (Laughing to myself – Who am I to say this as I also have 2 lovely girls)

My second experience of wiping out wasn’t exactly scary. It was when I got married and bought a house. Expenses were really tight and for a while, I scrimped really hard and saved on every little item.

My third experience was when I lost my job when I was 35. I had been living paycheck to paycheck. Bills, mortgage, expenses were what i needed but I lost my job. That made me think a lot. I was out of things for almost 18 months and I even tried to do a small business which put me in further financial disarray by the time I decided to pull out of it. Did I feel suicidal? I can’t deny it but I felt my existent in this world was worthless. But that thought didn’t stay long. So, for those guys who lost it all in Terra Luna, I can only say i feel you but money can’t buy you happiness.

Suicidal is an easy way out. Living is tougher. You can always rebuild but when you are gone, your loved ones will be distraught. Hence, the idea of depression can be really detrimental.

Cheers guys. I’m having a break today from work. Afternoon beer is a luxury – I understand that. My last few years were one of the greatest in a company whom emphasis is on getting things right and proper. Budget were never a budget issue. Everyone will have their day so keep on living. Don’t ever give up.


Health is Wealth guys. Don’t read it literally – Life is beyond just the money. Money gives you the capability and option to do many things. But life is beyond what you think it is. I can’t stress enough that when you think positive, you will get vibes and when you think you are young,  you will be young.

I’m not sure how many people do read this or follow me but if what I say matters to you, it tingles with you. This is human psychology. There isn’t a need to be connected physically. When things resonate, it doesn’t need to be reasonable. You just need to know it.

It is not literal. This post isn’t about money or referral or personal finance. I feel you and many of us experienced that at least once in our lives. Just make sure that it is a lesson you learned and it doesn’t deter you from exploring options. Because, you really cannot say never to something you have not tried.

Living is more important than dying. Easier said than done but get over it and restart again. With support, it will be easier but without it will just take longer.

Ezlink with new Mastercard wallet payment options (Quick & Easy S$10)

In my previous post about Ez-link Trival here Ez-link deal , they have upped one more level by allowing Mastercard in their Ez-link payment option.

The Deal

You can now earn an easy S$10 just by logging into their app, there will be an option to use Mastercard to pay for items via Google Pay.

EZ-Link and Mastercard have partnered to launch a new feature called Pay by Wallet.

This would add virtual Mastercard functionality to your EZ-Link Wallet (Google Pay). You can then spend these at more than 80 million Mastercard online and in-store merchants worldwide. Unfortunately, it is only available for Android users for now.

Free S$10

As like any new players in the market, the launch of Pay by Wallet, EZ-Link is offering an instant S$5 credit to users who activate Pay by Wallet on the EZ-Link App.

Do note that you will get an additional S$5 cashback will be credited to you when you make a minimum spend of S$10 within 30 days of signing up. The promotion is not unlimited, please take note.

Should you be interested to sign up for this, do download the Ez Link App and key in my Referral code: 3197B5C

Some Pointers to note

a. This campaign is limited to the first S$100,000 of cashback or the first 10,000 new EZ-Link Pay by Wallet user sign-ups, whichever comes first

b. Next, note that certain transactions are not valid here at T&Cs such as donations, education, government services, hospitals, utilities and AXS. (Standard Stuff)

c. Additional perks:

For every successful Pay by Wallet transaction of at least S$80 made by 31 July 2022, earns you one entry into a lucky draw with the following prizes. (All prize winners will be contacted latest by 30 September 2022):

  • 1N staycation at Equarius Hotel or Hotel Michael with breakfast for two (3x winners)
  • A pair of Universal Studios Singapore tickets (80x winners)


Again, nothing much to shout about. To make more value for your buck, something to play around with if you have some time.


This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check out my referral links.

Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations

The pictures were taken from EZ-link website for this article.


Krisflyer and KrisPlus Making headways

The opening up of Singapore seemed to be a cheer so far with the most recent news seemingly as a positive sign as all business would eventually open up to the rest of the world. Nonetheless, everyone have to still stay vigilant and not fall into the trap of Covid lockdown once more. It has been an experience with Covid and no one would wish that something like that will happen once again.

KrisShopper – Loyalty Programme

With these Krisflyer seemed to have extensively opened up and aggressively fronting their marketing dollars in Krisflyer shopping (KrisPlus or Kris+). Krisflyer launched their own loyalty programme called KrisShopper. The first 30,000 members who link their KrisFlyer accounts to KrisShopper will receive 1,000 miles, and the first 5,000 will receive additional SGD$20 to spend on KrisShop.

What do you need to do:

Link KrisFlyer to KrisShopper 500 miles
Subscribe to news & promotions while linking accounts 500 miles
Link before 30th June 2022 Status match

If you are eligible and done the correct steps, both miles and voucher will be credited within 10 business days after 30th June 2020.

Kris+ Couponmania (Co-brand/Partnership with Sqkii)

If you do not know what is Sqkii by now, you can check them out on their facebook or webpage. They first started out by letting people do the typical hide and seek treasure hunt for prize money by giving clues on a daily basis. How Kris+ is partnering with them is that they have created a game that allows anyone with a Kris+ account to merge coupon boxes. It is definitely not going to be easy as this is similar to the 2048 game that you play on your mobile. Each merging gets you a bigger coupon or prize which seems to be random. There’s also no guarantee that you will get the top prize which a a Nintendo switch or a Oven set.

You can only access this game with a mobile browser. Click on this link to go on to the browser:

Or you can key in the referral code: GWWVAQT13P

You would also get a mini coupon prize to start off once you have signed  up. Additionally, if you sync your Kris+ account, you get a speed up ticket that gives you a faster distribution per token. Once that is used up, you need to start referring more friends.

Remember not to skip the referral portion and also syncing your Kris+ account.

Everyone probably need referral to open up to more spaces to collect the coupons to merge the coupons. It takes 7 mins to be loaded with the level 1 coupon so 10 spaces means it will be full in 70 mins. Mindblown? haha.










If you do not have a Kris+ Account or App

If you don’t have a Kris+ account, you can download it via IOS or Google Play.

Sign up now with my link below, and my referral code L329518, and we’ll each be rewarded with SGD 5 worth of KrisPay miles upon your first transaction.

There’s also a daily challenge per week to login once every 24 hours and you get to claim 150 miles which you can use to offset your shopping. This will end this week so while it lasts.


This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check out my referral links.

Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations

The pictures were taken from KrisPlus website for this article.


StashAway Performance – Mar 2022 Performance

Here goes for the March 2022 StashAway performance. Nothing much to shout about.

StashAway has been rather stagnant but considering the environment, I think it is holding out well. I continue to question of this robotic/AI system if it is more human driven. Shouldn’t it be systematic driven for a robo advisor instead of attempting to drive better returns. With an ERAA approach, these actions seems rather active. Now, there are more steps taken to actively manage the volatility. I’m not sure if this is the right call.

If Mr Market drops, I’m not sure if I will do this more or do Endowus more. We shall see. I am also not sure of consolidating into one account.

Retirement Portfolio A (risk-14%)

2022 is indeed volatile.  I started out with $1500 and March 2022 ended with me losing -$12.59. Just to put things to perspective,  I made $10 in 2021. Haha….Oh my word. Very Very flat indeed.

Pretty standard outcome and the YTD is definitely down for sure.

Education Portfolio B (risk-16%)

I started out with a base of $3200 and ended Feb 2022 at $3205.30. Haha, no surprises. Every month, I RSP $100 into the portfolio for 6 months until June 2021 so my absolute gain will be $5.30. Okay, this is holding up okay.

YTD wise, small gain.


Education Portfolio C (risk-20%)

I started out with a base of $3200 and ended Feb 2022 at $3342.49. That’s a $142.49 gain! The portfolio strategy was to RSP for 6 months until June 2021 so my that makes a +9.48% gain.

Year to date wise, it is also flat. The Russia Ukraine war is not a good thing for the markets and that is ongoing



It is now almost 2 years since I started using StashAway. I still think that it has been a great supplement as a robo advisor. After using a few robo-advisors, I find that StashAway will play as a competition to my Endowus Portfolio and true enough that fits exactly into how I plan it to be. Recent months, I’ve been thinking and I did not add on any regular monthly investing amount as I’m beginning to think twice about their strategy and if they have grown to a level where institutional belief is starting to take over instead of that pure robo fintech as compared to what they were in 2020.

StashAway does have their own advantages. They do hedge their portfolios against huge crashes and take a stand on some positions which I do like because a lot asset managers don’t and even though they talk big about macro. The gold move was bold but it protects the portfolio. Again, Rome wasn’t built in a day so I guess you need to safeguard some of your monies to future proof it. No one knows so we have to try to know.

One thing for sure is that the cash funds is doing much better than Endowus and looking at SSB. I’m not sure if their cash funds makes any sense now.

To find out more about the pros and cons of using StashAway, do refer to my previous posts.

To sign up or try out Stash Away, visit the website and use my referral code at Stash Away Referral

We’ll both get up to $10,000 SGD managed for free for 6 months which is a good deal.


If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

The pictures were taken from the Stash Away website for this article.