Archive for December, 2018

2019

Home

  • Prepare to move into new home 🙂 Shopping for furniture, TV, Fan and curtains
  • Plan to purchase micro-ATX or mini-ATX PC

Finance

  • Repay remaining 50k owed in CPF.
  • Withdraw SSB 100k to repay bank loan in two tranche.
  • The car also seems to popup in my mind but after supporting the old family car these few years, it’s cost just always seems to bring down my finances with not much benefits, maybe just using grab or bluesg will be a more prudent way.
  • Track my expense better and cut down on unknown spending 😦

Health

  • Will have to do a health checkup.

Investment

  • Seems that with the recent dip, the triangle strategy of equities,bonds and gold/oil is good at preserving value. That’s the way to go for 2019.

review of 2018

Finance

  • Perform a Bond Ladder for SSB. Check the daily rates for 1, 5,10 yrs SGS bonds and drop lower yield bonds to buy the higher yields ones. Nope. SSB limit is now 200k, no need for bond ladder.
  • Continue to repay CPF, if bank mortgage rate is lower then CPF rate. Wooo-Hooo repaid another 20k this year, left with 50k to refund CPF
  • For new investments move away from interest rates sensitive ones. Bought more equities not related to interest rates, they have seems to tanked along with interest rate linked ones. Seems the triangle relationship is true, the gold i have has risen in value instead.

Health

  • Do a Health Checkup Will have to do a checkup at one of those private clinic.

Home

  • Keep producing compost, remember to ask for used coffee powder from pantry auntie. Need to find pantry auntie to collect used coffee powder, i ran out of ferts…
  • Keep producing Orange/Pineapple enzyme Will stop producing orange enzyme, its not really as effective as white vinegar.

Hobbies

  • Clean and MAINTAIN the aquarium. Great Work, trying to make it “Dutch”style… i think…

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