Tag: journey

Today’s Deal of the day – Dobin App

On By RistrettzIn Deals, Finance, Interest, Macroeconomic, New Ideas, Performance, Personal Finance Series, Promotion, Random, Wealth & Health2 Comments

At the start of 2024, there were signs that new offerings were being put out for deal seekers but as it seems, after January, there has been a drag of three months. Nothing much now except for Dobin. Before we start, let me just say that this is an affiliated link and by doing some actions, you do help me in keeping the lights on this blog. Please do try the app out. I have been using it for the past 6 months and I must say it has one of the better apps available without annoying advertisements.

At the same time, I can track expenses and connect my banking apps. Today is the last day for the referral. You can sign up and refer your friends and family to get cash rewards too. Besides that point, the main aim is to use the friendly app for tracking personal expenses. Personally, I prefer this app over the rest since there are no pesky advertisements and they are done here locally in Singapore. Support local I guess.

Here is the download link: Dobin Download

Do use my referral code please: ZUPUNWI

And remember to connect at least one bank account or one credit car on Dobin.

What You Need to Do:

  • Open the Dobin App and tap on the referral widget on your home screen.
  • Share your exclusive referral code with your friends & family.
What Your Friends Need to Do:

  • Download Dobin and enter your promo code during sign-up.
  • Connect at least 1 bank account or credit card on Dobin.

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

Do use my referral code please: ZUPUNWI

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Today’s Deal of the day – Max Miles

On By RistrettzIn Alternative Income, Deals, Finance, New Ideas, Personal Finance Series, RandomLeave a comment

2024 has been kind to us. There’s a bit of budget around most things available to the common man out there. Today is no exception with the introduction of Max Miles Ang Pow for extra miles. This is a limited-time promotion and is valid only until 24th Feb 2024 or up to 1 million max miles. So this is going to go out pretty quick.

Here are some free miles provided by max miles: Ang Pow Link

Do use my referral link if you would like to sign up: Sign Up Here!

What’s Huat with heymax?

  • This Lunar New Year, heymax will be gifting every Maxer up to 1,000 Max Miles to share with friends and family as ang baos!
  • Additionally – you get referral bonuses and new users get more Ang Baos when they sign up! Huat ah!
  • Not only can you give, but you can also receive up to 10 Ang Baos filled with Max Miles from fellow Maxer

Eligibility for Activity Participation

 The event will run from 10 February to 24 February 202 and you will get up to 1000 max miles

Activity Summary

Is there a limit to the number of Max Miles I can earn from ang baos?

  • Every user can receive and open up to 10 ang baos. There is no cap on the total Max Miles earned.

How can I redeem my Max Miles earned from Huat with heymax?

  • Any Max Miles earned from Huat with heymax can be redeemed through the usual redemption options as follows:

  • You can transfer your Max Miles to our 20+ airline and hotel partners. For airline or hotel transfers, the minimum transfer amount is 1,000 Max Miles at a 1:1 ratio.

  • You can redeem a minimum of 1,000 Max Miles for a $10 gift card.

Will my Max Miles expire if I don’t use them during the campaign period?

  • Max Miles do not expire. Any Max Miles you earn will remain with you after the campaign ends and can be redeemed through the usual redemption options on heymax.

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

Do use my referral link if you would like to sign up: Sign Up Here!

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Another Ang Pow Promotion for Grabs – Limited

On By RistrettzIn Alternative Income, Deals, Finance, New Ideas, Personal Finance Series, RandomLeave a comment

Chinese New Year is around the corner and there seem to be multiple promotions during the festive period. I hope everyone has a great new year and I do have something that I would like to share with you. These deals are kind of hard to come by and they depend on festive, promotions and company budgets. While some people might have stability in their lives, some don’t, and let’s make that simple and happy this 2024. I have another CNY Ang Pow Promotion that I would like to offer to anyone interested.

This article is brought to you via the Life Journey Blog Affiliate Partnership with Moomoo.

This special promotion is brought to you via the Moomoo Futu Trading app. If you use a normal referral code that gives you $660 in the welcome package. By using my unique link here Sign Up link, you get an additional $20 cash voucher by funding just S$100 on top of the welcome package that I have put below. The threshold is really low here.

Another Ang Pow
Moo Moo is licensed by MAS

The process is as follows:

For clarity:

a. Click on the signup link here to Open Account. Sign up and submit your details

b. Using any of the 4 deposit methods

  1. Deposit via Direct Debit – DDA
  2. Bank Transfer (Add  MooMoo as the payee)
  3. PayNow
  4. Transfer via Wise (Another payment App)

c. Transfer or Fund SGD 100 and wait for your rewards. That’s a 20% Return on Investment (ROI) that is risk-free.

d. (Something special) – The first 10 who have completed the signup and funding. Put in your details here: Contact List so that I can give you a little Ang Pow of S$5 for your efforts once I have verified the sign-up is complete. My only request is that you join my telegram group at Life Journey Telegram.

Those who already have the Moomoo accounts would have been long-time deal hunters so this is specially done for all of you who don’t have a lot of funds to play around to get some cash using limited resources.

Campaign Period

The campaign will commence from 2/11/2023 at 10:00PM SGT – 23/1/2024 at 9:59PM SGT** (“Campaign Period”).

Eligibility for Activity Participation

New users who have never opened a Moomoo SG universal account and/or deposited funds before 10:00PM SGT on 2/11/2023.

Activity Summary

When new users complete tasks, they can get corresponding rewards, such as free stock/ cash coupons and free real-time quotes.

As I mentioned earlier, this is for you only. Only when you use this link here Sign Up here and Fund $100 to get an additional $20 (Until 23 Jan 2024 only) and deposit S$100, you will receive an additional S$20 cash coupon from Moomoo. Treat that as a special treat.

Welcome Rewards worth up to S$660 (New Users)

Task Rewards
Successfully opened Moomoo SG universal account Reward 1

(i) Lifetime commission-free in the U.S. stock market*

(ii)  Free Level 2 US stock market data

(iii) (iii) Limited time access to free Level 2 SG Market Data (worth $20/month). Effective till 31st March 2024

(iv) Free Level 1 China A-share market data

(v) Free Level 1 Hong Kong market data

(vi) 1 Year commission-free for SG market (includes only stocks, ETFs and REITs)

(vii) Moomoo Cash Plus 5.8% p.a. Guaranteed Returns worth up to S$380 (Applicable to the first S$80K subscription, valid for 30 days only)
Deposit a cumulative amount of at least S$3,000 before 23/1/2024 at 9:59 PM, complete 3 cumulative buy trades and redeem rewards before 9:59PM SGT on 30/1/2024. Maintain assets for 30 days. Reward 2

(i) Receive 1 x Stock Bundle#: AAPL, NVDA TSLA, SE, NIO (worth S$70)
Deposit a cumulative amount of at least S$10,000 before 23/1/2024 at 9:59 PM, complete 8 cumulative buy trades and complete buy trades and redeem rewards before 9:59PM SGT on 30/1/2024. Maintain assets for 90 days. Reward 3

(i) Receive 3 x Stock Bundle#: AAPL, NVDA TSLA, SE, NIO (worth S$210)

Who is Moomoo?

Backed by Chinese tech giant Tencent, Moomoo makes trading accessible with a gamified, easy-to-use interface.

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

By using my unique link here Sign Up link, you get an additional $20 cash voucher. The first 10 in my google forms get additional Ang Pow after verification.

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Investing or Gambling or Punting

On By RistrettzIn Finance, Macroeconomic, Personal Finance Series, Psychology, Random, Wealth & HealthLeave a comment

I recently read quite a bit of online articles to explore fresh new ideas and I came across some blogs discussing the fact that investing is gambling and also several others that discuss Singaporeans being overly confident with themselves. I mean there’s really no right or wrong answer to these and I personally feel that it is a little bit of a righteous standout or declaration. Yes, we all know that many people are snobbish but I would like to think that most Singaporeans are smart, clever, and full of empathy. The ones who are snob are usually the affluent group. Probably think that with a 6-digit asset, they have the right to everything.

That said, our small country has exceptional talents. These people don’t voice or come out to talk about their opinions in public. Usually, they can avoid it in its entirety or put their opinion on where it matters the most. After all, we are still humble Singaporeans, aren’t we? There was an increasing trend in the last decade about some topics that irk me a lot, let me list them down:

Kiasu/Kiasi

Meaning scared to lose or scared to die. It was prevalent in the last decade where FOMO exists today and I felt that it was uncalled for because people just flock to what most people did. It kind of made many next-gen be contrarian

Best

The concept of best has been something I disliked for some time now. At least for 30 years. For 30 years, I have been hearing the words best and “bestest”, even words that do not exist in the English dictionary appear in my everyday life. My question is, what is best? Who determines the best or why is it the best? Is what one defines as the best really the best? I beg to differ in all aspects. There is no best, there’s only what one thinks is the best. By the way, it doesn’t mean cheap means it is no good.

Similar to the way one measures a valued company. It’s not the best but it is the most valued. Then again, value is perceived hence my point – beauty lies in the eye of the beholder.

Invest in gambling

It is said that gambling is punting, investing is gambling of sorts and investing is a study of risk management. If one sees risk management the same as gambling then I’ll ask, why invest and spend so much time understanding a company or an investment? Life is an entirety of risk and we understand the risks, manage the risks, and reduce risks to enhance our lives, our experiences, and our money.

Lady luck plays a big part in our lives no doubt. Some people seem to have more of those but I’ll say, you make your own luck. If lady luck is not on your side, it is probably because it is the wrong lady. Some find their lady earlier and some later. There’s no loser at the end, it is part of the risk management and tools we can use to enhance our priority.

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy or general rule for your every life. Join my telegram group to find out more about deals and join in the community to connect for ideas: Life Journey Telegram

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services. 

If you have not opened a Moomoo account to start your investing journey, you can give it a go here to recieve rewards up to S$660 (T&Cs apply). Cliek here to Open a Moomoo account

Thank you in advance. It keeps the light running on my blog. Cheers!

Retirement Series (Part 2)

On By RistrettzIn New Ideas, Personal Finance SeriesLeave a comment

My part 2 version came a year and a half late. My apologies really.

In the previous discussion, I discussed about retirement. In the past, it was a buzzword only for people in their 40s or 50s. That is quite normal I would say. Given the financial literacy and knowledge of Generation X. Not many people make an effort to think about the future. I would say that partly it is due to the conditions of the past and education. Fast forward 30 years, the trend is gradually changing. The young are concerned about their futures and the future of their younger ones. An additional factor is that personal finance and financial literacy are increasing among the young.

Including myself, I love my kids and I want the world to be in a better place than it was when I am no longer around. It depends on which stage everyone is in. Some people have more resources while others have lesser. However, that does not make you any less by starting out early. Even if you are late to the game, making the start of this means that you are already on your way to some form of freedom.

There are so many investment tools out there in the market to put your money in and it’s a matter of understanding the risks and taking the right risks to grow your money. Of course, the basic step is to spruce up an emergency fund first. You cannot confuse your pot to be of multiple use. Different funds that you raise have to be for a different purpose. If you have fewer resources, then focus on the things that will give you the confidence such as building a pot of emergency funds. For example, 9 months’ worth of extras. Do not undermine the power of achieving milestones because the small effort often counts for bigger things to come.

Once your basics are covered. We have to think about the next step of risk – This is the part where I term it as risk transfer. This is short is coined as Buy an insurance. The basics are buying your personal health insurance and protection against illness, treatment, sudden medical conditions as well as other unforeseen circumstances. Life itself is uncertain and as time goes by, it will be more prevalent. Getting insurance is never enough but there are many ways to kick-start that. It also involves a bit of planning.

I’m no financial expert. All I know is you probably should find out more to convince yourself that you need to risk transferring your future.

a. Health Insurance

b. Whole Life Plans with TPD or Term Life Plans or Hybrid Plans

c. Critical Illness

d. Early Payout Critical Illness

e. Disability Income or Elder Shield Enhance

I’ll say start working with the Health portion followed by Death or permanent disability coverage. Because if you are gone, your potential future earnings are gone and your dependants depend on them. Once you have covered yourself, then start thinking about the rest. Baby steps. This works well if you are still young.

Things like Mindef or MHA term insurance coverage or SNACK Income microinsurance work well to supplement this insurance at a low cost. That’s something most advisors probably would not share with you.

That’s probably enough information for Part 2. We should talk more about insurance in Part 3.

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join in the community to connect for ideas: Life Journey Telegram

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Syfe – Performance Aug 2021

On By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

Here is yet another robo advisor that I get on my portfolio since the start of 2020. It has been okay I feel. Ever since 2020, it has been a year and till today – I’m not exactly convinced though.

I am caught in both minds. I like reits but yet I don’t quite like Singapore equities in general. Dividend paying equities are definitely good but yet I have more appetite for a growth company. It is just not that sustainable over the long term I feel. Where are the money coming from to build more creativity and expand their business.

Why Syfe?

When the markets were down during March 2020, it was quite exciting times because those were the kind of period which I actually will put money into investments. To a certain extent, I have also put money into other robo advisors such as Endowus and StashAway. While those are more of a “global diversification”, Syfe is more of a local bias for it’s Reits+ Portfolio and truth be told I then took the plunge for a small amount just to try it out a non-DIY approach to Reits investing.

Next, what I struggled with then over the period is that there were quite a discount off many equity tickers and I didn’t really know what to buy or what to expect since the market was in a downtrend. As with every investment, making a rational or emotional decision can only be determined after the event has passed. Reits has since risen, dropped and risen yet again. Frankly, I’ve been busy to keep looking into my own portfolio.

I haven’t got around to increase the investment funds so it is only a very small initial amount. Partly, my mind tells me to do dollar cost averaging for my other investments so we still have to see how things go.

Performance (August 2021)

 

12 months has gone by and +28.65% is pretty insane in my opinion. The last time I looked at this was 6 months ago in March 2021 and it has increased by slightly more than 5%. Then again, the base that I started out with is quite a fantastic benchmark so maybe that isn’t too fair. From here, there isn’t fresh funds invested as I am think more about my overall portfolio. I do think I have enough of the local investments and typically Singapore equities are rather slow and neutral in performance. Even the STI isn’t that exciting in my opinion. If you really look at a 50 year and beyond horizon for S&P 500, it is an amazing uptrend with good returns.

Do use my referral code to get some benefits when you sign up a new account with Syfe. Referral Code: SRPTSMQ5J

You will get (Find our more about their referral scheme here Syfe Signup) :

a. S$10 bonus if you invest S$500

b. S$50 bonus if you invest S$10,000

c. S$100 bonus if you invest S$20,000

Disclaimer

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 they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Syfe website for this article.

Syfe – Performance Mar 2021

On By RistrettzIn Performance, Personal Finance Series, Robo AdvisorsLeave a comment

Here is yet another robo advisor that I get on my portfolio since the start of 2020. It has been okay I feel. Ever since 2020, it has been a year and till today – I’m not exactly convinced though.

I am caught in both minds. I like reits but yet I don’t quite like Singapore equities in general. Dividend paying equities are definitely good but yet I have more appetite for a growth company. It is just not that sustainable over the long term I feel. Where are the money coming from to build more creativity and expand their business.

Why Syfe?

When the markets were down during March 2020, it was quite exciting times because those were the kind of period which I actually will put money into investments. To a certain extent, I have also put money into other robo advisors such as Endowus and StashAway. While those are more of a “global diversification”, Syfe is more of a local bias for it’s Reits+ Portfolio and truth be told I then took the plunge for a small amount just to try it out a non-DIY approach to Reits investing.

Next, what I struggled with then over the period is that there were quite a discount off many equity tickers and I didn’t really know what to buy or what to expect since the market was in a downtrend. As with every investment, making a rational or emotional decision can only be determined after the event has passed. Reits has since risen, dropped and risen yet again. Frankly, I’ve been busy to keep looking into my own portfolio.

I haven’t got around to increase the investment funds so it is only a very small initial amount. Partly, my mind tells me to do dollar cost averaging for my other investments so we still have to see how things go.

Performance (March 2021)

12 months has gone by and +23.44% is pretty insane in my opinion. Then again, the base that I started out with is quite a fantastic benchmark so maybe that isn’t too fair. From here, there isn’t fresh funds invested as I am think more about my overall portfolio. I do think I have enough of the local investments and typically Singapore equities are rather slow and neutral in performance. Even the STI isn’t that exciting in my opinion. If you really look at a 50 year and beyond horizon for S&P 500, it is an amazing uptrend with good returns.

Do use my referral code to get some benefits when you sign up a new account with Syfe. Referral Code: SRPTSMQ5J

You will get (Find our more about their referral scheme here Syfe Signup) :

a. S$10 bonus if you invest S$500

b. S$50 bonus if you invest S$10,000

c. S$100 bonus if you invest S$20,000

Disclaimer

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 they out and do your diligence. There is no one size fits all investment strategy.

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

The pictures were taken from Syfe website for this article.