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Topics - dloreangel

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Wedding, Home and Family / Electricity Market Comparison of Retailers
« on: January 28, 2019, 03:00:18 pm »
This comparison chart of SG electricity retailers is taken from the facebook page of

I saw this on the internet, it is a very simplistic comparison of different retailers in Singapore selling electricity.
TLDR version: ESPower is cheapest provided you do not terminate.
Termination too early is costly at $140.
Stick to it all the way for the cheapest electricity.

2nd cheapest electricity is GENECO
Extra Bonus:  4000 NTUC Link points, if you like points

Other retailers were not reviewed because they seem more expensive after tabulating all the extra fees and costs.
Meter readings, submissions of monthly meters, are still done by SP Group, the electricity generator, no matter what retailers you choose. so no issues.

Money and financial discussions / Property or REITS? or Stocks Index ETF?
« on: January 09, 2019, 01:06:48 pm »
What would most savvy investors do? I am trying to decide before plonking for a 2nd property. Like most Singaporeans, I like the idea of having multiple properties. But it seems like the days when you can make a killing with properties are gone. No more flipping or big rise in property prices, especially when REITS and stocks have a higher return.

Writing out my thoughts here, please correct me if wrong

1) Property in Singapore
The best thing about property is leverage. So for a first property where you only need to pay a deposit of 20%, you are effectively leveraging 5 times.

so a $100,000 SGD in stocks earning 10% a year will net you $10,000.
a $100,000 will net you a $500,000 property with bank loans,  5 times leverage, so a 10% rise will net you $50,000.
That's a 50% ROI.
(Obviously I am simplifying a lot, not factoring in agent, lawyer, maintenance fees etc)
so I can see the attractiveness of property

What about 2nd property bank loan?
I have to fork out 55% downpayment so the maximum i can see is a leverage of less than 2x.
Suddenly property does not look so attractive anymore.

And there is an additional ABSD of 18%
that means you suffered a loss of 18% immediately to your investment portfolio, that is paid to the government and you are never getting anything back....


With brokerage, you can leverage 2x. I am not sure about Singapore brokerage, I use Interactive Broker, an USA broker that gives 2x leverage. Means if I deposit $100,000 in my interactive broker account, I can buy up to $200,000

Not only 2x leverage for buying, it allows 4x leverage maintenance margin as well, so there is less change of margin calls if the price drop below the original 2x leverage.

With 2x leverage, doesn't the buying of REITS with a fixed sum of money equals to buying of a 2nd property in Singapore.

Pros of REITS
-Diversified properties holdings

Soooo is REITS better then?

3) Stock Index ETF

For sake of comparison, I will say low cost index funds, index ETF as a good benchmark to compete against REITS or property
Stock index is super low cost way of investing for the long run.
I am guessing the returns shld one of the most optimal in the long run.

Soooo... am I right to say property investment is not as good as older days anymore?
I should just allocate money to REITS right?

Money and financial discussions / Singapore IPOs, stocks bloggers
« on: September 06, 2018, 05:18:56 pm »
im a big fan of the blog that talks about singapore IPOs and other stocks sharing.
i think many financial guys look toward this blogger for important information on Singapore IPO.

Loves his blog.

Also love Dividend Warrior, a young dude who built his wealth from scratch and passive income

And finally i like this old folk- ASSI or A Singapore Stock Investor. he is masked, publicity shy.

if you guys know them, please ask them to share their financial experience with Singaporeans here! =)

Women's Health / blood pressure monitors ideal blood pressure
« on: August 01, 2018, 02:59:54 pm »
hi! recently was unwell, and seen a doctor.
due to family history and properly poor diet... been highlighted to take care of blood pressure.
was told to take less salty food.. less oily food.

planning to buy an omron blood pressure monitor in singapore so was asking around if there are major sales or discounts.

i know guardians has free shipping and discounts, the blog above which i went also free shipping and promotion prices.

for those who use blood pressure monitors, is Omron the best?
what about other brands, any recommendations?

and what is your ideal blood pressure? :D

Motherhood, Babies and Fathers / motherhood forum in singapore
« on: June 17, 2017, 11:20:26 pm »
hi hi! to improve motherhood forum to be more relevant in singapore, what should we discuss or help more here?
spree? or want to buy or want to sell threads?

what do mothers or mothers to be want to see.... suggestions?
just hope to have more content so mothers can come here and see what is relevant to singapore

Motherhood, Babies and Fathers / Cute baby photos
« on: May 04, 2017, 07:04:23 am »
You may want to click the link below and vote for this baby

you may want to vote for him now because you love babies.
yes he is my baby!

you can vote every 24 hours, so regulars like Uncle Beaver, you would vote more because you love petalbytes!

Motherhood, Babies and Fathers / Sterilizer / Milk Bottles etc
« on: April 10, 2017, 01:23:10 pm »
I have been using two sterilizers for my milk bottles.

One is philips but without drying fuction. I use only at my mother place when I have no choice.
Use sterilizer liao then shake the excess water out...

The others Simba Sterilizer, got UV or steam.
i bought the steam function, with drying function
so its very convenient to use. bought from

i am lazy lah, prefer convenience.

Milk bottles I have been using both simba and pigeon bottles.
all okay but recently my hubby bought DrBrown in an attempt to reduce my son's milk-vomit episodes.
DrBrown bottles are more expensive, as they are designed with special equipments to reduce the airflow in the milk. A bit heartpain, he bought from Robinson at more than 30 bucks for 2 glass bottles
another $10 for level 2 teats (as my son is greedy, the level 1 teats is too slow for him)

hope more mummy can share their bottles and sterillizer uses

Motherhood, Babies and Fathers / Food to increase breastmilk supply?
« on: February 18, 2017, 11:47:37 pm »
Mummies, what do you use to increase your breastmilk supplies?

I have been drinking lots of milo =) and also some bird nest.
Papaya soup too!

Motherhood, Babies and Fathers / Jaundice in newborns - sunning do not work
« on: February 12, 2017, 06:22:21 pm »
just to share as my baby was also undergoing jaundice monitoring

my hubby brought him for testing twice and going for the 3rd monitoring next week, with higher advanced testing now.

so basically this is what i learnt from the doctors and nurses.
in the past, people believe that sunning the baby in early morning works.

unfortunately it does not, it is a myth. jaundice usually goes away on its own when the liver matures, hence a lot of people thought that sunning works, as the jaundice usually goes away.
actually sunning makes the baby WORSE off as it may cause dehydration in the baby and reduce the pace of improvement.

the best way to recover is to hydrate your baby as much as possible with your breastmilk (NOT water!) feed your baby frequently and often, and monitor the peeing and pooing. if your baby pees and poo regularly (and if the colour of the poo is not pale) then your baby is maturing well and eventually will be goes to normal level.

the yellowness will drop.

the frequent monitoring in polyclinics is to deduct if some babies have liver complications and treatment to counter it asap....

in most case, when the baby grows, not only their level of jaundice drop, the level to hit danger zone also increases as they get more developed to grow out of this.

hope this helps!

now looking to choose a CDA to start saving up for my child.
which bank would you guys recommend for CDA?

I've arranged to donate my cord blood to the public bank instead of private bank because of a few reasons.

Private bank will store the cord blood at a cost regardless of the quality of the cord blood and whether it can be used when in need. This defeats the purpose of cord blood banking as you will actually want it to be of use when you need it.

Whereas for public bank, your cord blood will be contributed to the international pool and it is a good deed done if you don't need to use the cord blood. In the event when you need to use it, you will be able to use your cord blood if its not used by others, otherwise you will also be given priority to the international cord blood pool.

Furthermore, the process to donate the cord blood is very hassle free. I emailed singapore cord blood bank to inform them of my intention of donation and they called me the next day to ask me some questions about my health condition. After the phone call, i went to the singapore core blood bank office at KK hospital to sign the form and we are officially able to donate.

The process of extraction of cord blood is also very fast and can be completed within 5 mins by the gynae and does not interrupt with the child birth process. The safety of the mother and child will always come first, as determined by the gynae  :)

Knowing the above, will you choose to donate to the public bank too?  :D

Buy, Sell or Trade & Lobangs! / Taobao Sharing!
« on: January 25, 2017, 08:54:57 am »
Taobao Sharing of good loots?
Come share share!

Motherhood, Babies and Fathers / Year 2017 Mummies
« on: January 07, 2017, 11:37:56 pm »
I am going to be a mummy soon in 2017! First time mummy here... and I am nervous!
Hope mummies can give advice and I will be asking tons of questions... lol

Any new mummies here?

Motherhood, Babies and Fathers / My pregnancy journey
« on: August 20, 2016, 02:37:32 pm »
Woohoo officially in my 2nd trimester! Nausea finally getting lesser and I'm feeling better!

Decided to share my pregnancy journey here with other mummies and mummies-to-be  :)

How it started.. Hubs and I finally decided that it's time we should try for a kid (because we are getting old n worried there might be problems if we want a kid and still don't try).

So there it goes, i missed my period by one week and suspected that maybe this is it? But my period came one week late before so I'm not so sure. And so, I waited for another week and period was still not here so it was quite obvious that i must be pregnant! Went to watsons to buy a test kit and tested it in the morning, yups it's positive! The first people we told were our parents and we told them not to tell anyone else first because pantang and I really wanted to wait for the first ultrasound scan to make sure the baby is ok.  :)

I was researching for the gynae but couldn't decide on one yet so I decided to go to KKH first. I went to polyclinic and got a referral to KKH under subsidised rate. Had to wait for 2 weeks before my first appointment with KKH at my week 8.

Who knows, my nausea kicked in badly at week 7 and my MIL told me to go see doctor to get the anti-nausea medicine. And just like that, i went to KKH 24-hour clinic and did my first ultrasound scan. We could already hear the baby's heartbeat at week 7!

Will continue the story of my not-so-easy first trimester in the next post! Time for a nap!  ;D

I'm considering if I should encapsulate my placenta after giving birth to eat for health reasons. I found benefits include preventing post natal depression and boost amount of breast milk.

However read that its banned in the EU but no rules about it in Singapore

The benefits make it sounds very good and worth a try but do you think it is gross?  ::)

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