When I successfully balloted for my 3-room BTO flat back in September 2014, well-meaning relatives strongly urged that I should consider a 5-room BTO flat instead. There were indeed 5-room flats in Bukit Batok and Buangkok available during that HDB BTO sales launch. They put forth the key argument that a 5-room BTO flat, based […] The post Does 5-room BTO flat make more resale profit than a 3-room BTO flat? appeared first on Heartland Boy ..read more

I recently sold my HDB BTO flat after it has reached its Minimum Occupation Period (‘MOP’). It is yet another significant milestone in my home ownership journey and one that has been a long time coming. To be specific, the process was 10 years in the making, from balloting to the eventual sale. As a […] The post Step By Step Guide On The Timeline and Sale Of HDB Resale Flat appeared first on Heartland Boy ..read more

During its 4Q2023 results release, the Manager of Keppel Pacific Oak US REIT (‘KORE’) announced that it was voluntarily suspending dividends for 2 years as part of its recapitalisation plans. This came after it had requested to postpone the scheduled results announcement date. Both news came out of the blue and sent shockwaves to the […] The post Did Keppel Pacific Oak US REIT Tried To Kill An Ant With A Sledgehammer? appeared first on Heartland Boy ..read more

The time has come for me to perform my annual stock investment portfolio review. If someone had told me at the beginning of 2023 that major US indices would set fresh record highs, I would have immediately dismissed that as wishful thinking. Well, the only thing I am wishing right now is that I had […] The post Heartland Boy 2023 Stock Performance Review appeared first on Heartland Boy ..read more

Earlier last year, I wrote that my parents successfully obtained Singapore Citizenship status. Since then, I have been monitoring the quarterly HDB sales launch to look for a suitable new home for them. I consider it to be silly if I do not help them take advantage of one of the greatest privileges afforded to […] The post My Parents’ Palpitating Experience To Buy A HDB Sale of Balance Flat appeared first on Heartland Boy ..read more

At National Day Rally (‘NDR’) 2023, Prime Minister Lee announced a seismic shift in how HDB is going to classify its flats for sale from 2H 2024. The framework of classifying estates as either mature or non-mature will be replaced by one that is either Standard, Plus or Prime. When I first heard it live […] The post New HDB BTO Classification Framework, What Are The Possible Consequences? appeared first on Heartland Boy ..read more

AIMS APAC REIT (‘AA REIT’) invests in a diversified portfolio of income-producing industrial, logistics and business park investment properties across Singapore and Australia. The Manager of the REIT, AIMS APAC REIT Management Limited, is wholly-owned by the sponsor, AIMS Financial Group. Interestingly, the largest unitholder is not the sponsor but ESR Cayman, which holds 12.8% […] The post At What Share Price Would I Be A Buyer Of AIMS APAC REIT? appeared first on Heartland Boy ..read more

This is my 10th year in investing and the outcome is very different from what I envisaged when I first started out as a beginner investor. Armed with some knowledge from investment books, I was full of confidence and firmly believed that I held an edge over other retail investors. You know Warren Buffett once […] The post Rookie Investment Mistakes I Made When I Was A Beginner Investor 10 Years Ago appeared first on Heartland Boy ..read more

In what is a rather muted economic performance for Singapore in 2023 thus far, one sector that is shining brightly is tourism. Not only have tourist arrivals recovered to two-thirds of pre-Covid-19 numbers in the first quarter of 2023, tourists also spent more per trip in what was a case of revenge spending. This got […] The post Compare CDL Hospitality Trust and Far East Hospitality Trust appeared first on Heartland Boy ..read more

No, there was no typo in the title of the article. In what is the most effortless sign-up promotions offered by low-cost financial brokerages thus far, Webull is offering up to US$500 worth of blue-chip shares as long as your account is funded. I am the first to admit that there are simply too many […] The post Review of Webull’s Promotion- Fund 1 cent and receive up to US$500 appeared first on Heartland Boy ..read more