Lizardo Realm

Investment through the ages, from cradle to grave.

30 September 2020

Paying lesser property tax on multiple properties

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Property tax is something we have to pay when we own any property. The owner-occupied property incurs less tax than one that is not owner-oc...
3 comments:
23 September 2020

Working in the Age of COVID-19

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There was a time when we were slogging away in the office, going to work when the sun could barely be discerned, and leaving work only when ...
16 September 2020

Changing Address on NRIC for a New Property

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One of the numerous things to do after buying a new property and when ready to move into is to update our NRIC. What does it take to change ...
4 comments:
11 September 2020

Going TOP in the midst of COVID-19

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I don't know why I am so 'lucky'. Toto did not strike. But when I buy a new property, it has to TOP in the midst of COVID-19!  H...
09 March 2020

A sea of red as the bear awakens from hibernation

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A sea of red once again. It's not every day that we see stocks like CSE Global dropping 13%, or the likes of OCBC, SATS and QAF by more ...
6 comments:
26 February 2020

China has a Flu and the Whole World Gets Sick

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Taxi drivers are complaining about low pick up rate and are suffering from massive income cut. SMRT  and Comfort Delgro will suffer. Tour...
2 comments:
02 January 2020

Thoughts on a 27 Year Old Researcher Spending Profile

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So there was an interesting article from Cleo Singapore that was reproduced on AsiaOne about a 27 year old .  As an overview, I thought it...
26 December 2019

Boxing Day 2019: The Day the Aliens Came

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X'mas 2019 came and went. Yet another X'mas. The next day, however, was an altogether unforgettable affair. Definitely not another t...
17 December 2019

Angst of replacing a home

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It's such an angst trying to find a practical way to replace a home with another. I'm not talking about upgrading, simply about movi...
9 comments:
12 December 2019

So far away from being digital to the core

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I went to a bank recently to close an account that I no longer needed. The whole affair was pretty straightforward.  What I found strange th...
29 November 2019

From Relationship Manager to Grab Driver

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Yet another Grab driver story.  So this driver told me he makes about $8,000 a month driving Grab.  Turns out he used to be a Bank Relatio...
6 comments:
11 November 2019

Grabbing to $11,000 a month

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Ah no, I did not spend $11,000 a month taking Grab. No, no, no. I came across yet another interesting person when I took a Grab ride home....
9 comments:
04 November 2019

Bill Gates Wants to Give Me $5Million

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I received the following e-mail recently.  What's your reaction? From: Bill_and _Melinda_Gates_Foundation Subject: Bill_and _Melind...
28 October 2019

Free Smoked Duck Breast at Cold Storage Causeway Point

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Free box of Smoked Duck Breast for every $15 purchase of fresh port and marinated meat products at Cold Storage Causeway Point . Don...
21 October 2019

Watch your eyeballs!

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Aging comes with many annoyances.  Most come with signs and symptoms, or preventive checks from various markers could provide an early heads...
2 comments:
14 October 2019

What are the ways to put money INTO your CPF?

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Reader 'Adam' has been sharing a lot of information from his experience as a post-55er.  Here's another that he shared on ways t...
11 comments:
07 October 2019

Quit Like a Millionaire - The FIRE Strategy

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Have you read the book " Quit Like a Millionaire " by Kristy Shen and Bryce Leong yet?  They offer a pretty compelling approac...
6 comments:
30 September 2019

End of Life - Last Wishes

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Browsing around books on Personal Finance at the Library, there are plenty of books with exciting titles screaming out for attention! But ...
23 September 2019

How are the excess CPF funds withdrawn after meeting the Full Retirement Sum?

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Presuming that at age 55, you have the necessary CPF Retirement Account (RA) funded, what happens to the rest of the 'excess' money ...
19 comments:
16 September 2019

How will the CPF Retirement Sums be formed upon age 55?

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So we have heard about the various CPF retirement sums, i.e. Basic (BRS), Full (FRS) and Enhanced (ERS), which gets committed upon reaching ...
10 comments:
09 September 2019

Maximising CPF Post-55

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It's really great to hear from the post-55ers on their interesting ideas and experience in maximising retirement benefits.  Here's o...
21 comments:
02 September 2019

Using CPF-OA as a High-Yield Savings Account

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Property is really expensive in Singapore. For most, buying a home is pretty ingrained as a basic need to establish a family. So it is often...
11 comments:
26 August 2019

Rise of the Financial Ruler - by Paul See

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Reading stuff on the mobile phone is quite an addictive thing. But I think we are all going to experience increasing cases of eye problems i...
19 August 2019

End of Life - How Much Does a Funeral Cost?

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Of the multitude of things we examine into concerning our personal finance, investments, medical costs and such, FUNERAL is certainly not so...
4 comments:
12 August 2019

15 Ways to Save Money, Redux

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Was watching this YouTube video by Lavendaire on  15 Ways to Save Money (YouTube)  She is based in Los Angeles. So these 15 ways to save mon...
05 August 2019

Using Leverage for REIT Investment

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So here's a play I came across, mentioned by a number of people: Worked for a few years, saved some money. Let's say $100,000. Ta...
2 comments:
29 July 2019

Where Does a $120,000 Annual Retirement Income Go To?

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I am most grateful to a reader who shared his monthly expense figures. I'm not even sure if I should say "he" or "she...
2 comments:
22 July 2019

End of Life - What happens to the CPF?

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While we are still growing up in our twenties , CPF is just a 'sinkhole' where part of our salary ends up in. Goes in, never come ou...
5 comments:
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