Welcome to my Blog!

Yes it’s Christmas and New year, and I’ve spent quite abit, apart from the rest of the usual boring months. This year was alittle bit different. I spent quite abit of time with old friends, had some great time with them with the joyous occasion.

Also just recently, I realize some good ways to have good ROI with investments propecia cost vehicles of up to 10%-15%. SO with this newly gain information, I hope my portfolio of money management will have some slight adjustments.

Oh yes, it’s nearing the end of 2009 (in fact its 2010 now), just taken quite abit of year end bonus here, but not alot. This had went into that investments, and subsequently I would channel some percentage of my money to that vehicle hmm… just thinking about getting $3000 a year for my $30,000 worth of investments…

And it is coming close to a round of increments to salaries roughly 3 months time.

$500/month Citibank Step up Account

Expenses
$20 Dinner for Xmas Eve
$15 Drinking for Xmas Eve
$25 KTV Singing
$20 Dinner for Post New Year ?
$40 Presents for my dear cousins

I wrote one of my expenses to be the X mini speakers. Guess what. I applied for this HSBC credit card, buying online propecia and it actually offered me a free gift. And its another X mini speakers! The same model.

Without hesitation, I immediately took it to my office and sold it off at half the price, by just being friendly. If only I had waited, I could have save that $36. Anyway, it had passed already. This HSBC card indeed gave me what it mentioned; with 3 transactions a month, you get a $5 cash rebates.

My aunt too gave me a $100 voucher for a bookstore, Kinokuniya. I ended up buying $200 worth of books. Well, books are knowledge, and I can read them at a later date, since these information don’t go outdated. (I bought all books related to stocks investment etc)

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account
$150 - Profit from US stocks trades

Expenses
$100 Kinokuniya books!
$20 Some Audio CDs. Korean ver - Boys over flowers
$12 A couple of bubble teas. They cost $3 per cup.

August seemed to run so fast, as I am a little late on my summary post here.

This month, I saw a cheap offer for toothpaste, offered by Watson’s a pharmacy. It also sell lots of other daily needs. Armed with a credit card that offers 3% rebates on total amount purchase, I bought some of the usual toiletries and save about 30% on Oral-B toothpastes. Its 33% of savings in total.

And just when I thought I am starting to save more, I actually made a mistake on my internet bills. My dad accidentally threw away the internet bills, so I had to pay a 2 months bill, making it higher this month.

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account

Expenses
$80 internet bills
$36 X mini Speakers (cool speakers, but I don’t need em actually..)
$50 A treat to my relatives on Ice cream buffets

It isn’t that bad, I track my expenses closely. But propecia finasteride sometimes these are stuff that must be spent on

This month, Great Singapore Sale happens, (I guess it happens every country too), and I had gotten a good deal. Since I am very tall at 186 cm or 6 foot 2, I need proper office shirt that has long sleeves, not too big at the sides and waist, and something not expensive. So I have only 2 choices here locally, Marks & Spencers and G2000 apparels.

So this month, I’ve gotten 2 very good deals, buying 5 shirts priced at $69.90 for only about $31.xx (can’t remember how much), and a wallet priced at $90 for $65.

This was G2000 going at a 40% discount, and on top of that a Citibank Credit card 25% discount, so in total, I had a 65% discount ! We, luckily I waited and waited and finally I gotten in and got all. Since their shirts are all cut the same for all shirts, it’s easy for me to go back, buy and not worry about any misfits.

The wallet, was from a 2 day special by Tangs, a 20% + 10 % discount, so not a bad deal, and too was provided by Citibank’s Credit Card. I guess I found good value in keeping this viagra bestellen card!

As for trading, I stopped, because freaked out like what other books had written. A single large failure will cause small investors like us to quit the market, lose moral and confident, and this is so true. I am still human afterall.

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account

Expenses
5 x $31.xx = $150 - G2000 shirts x 5
$65 - Pierre Cardin wallet

In the previous posts I mentioned having a change in life with how I handle and mange money. Other than working my sweat out to earn that keep just for bills, we have, or should I say, our financial system allows us to do something called investment. (after all banks, financial firms, insurance, all ultimately goes to trading onto business and credit interests to earn, and we should too.)

Without going into details, I’ll just redirect you to my trading and investment blog called

http://www.managemoneyonline.com.

It blogs down buy cheap viagra some of the winning and losing trades, as well as what really happen to my initial capital of 1xxxxx dollars.
*Warning, its pure hardcore posts in terms of stocks and market trading, on the NYSE and NASDAQ.

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account

Expenses

Lots of >$20 lunch while I was making $50-$100 on average trading daily.
And a terrible terrible lost in a single trade, that left me saving even my toothpaste for brushing. (Look to my trading blog for more details! http://www.managemoneyonline.com )

I didn’t really track this money as money went flying around my bank account, to my POSB account, then to through my EPS to my POEMS trading account.

This month is a little bit interesting because I lost the chance in investing in the stocks and shares. A look over the mid week of March sees a bearish market, or the bottom low. Ahh… but anyway its over. Poems trading account was setup with US Stocks exchange trading.

As you guys know I bought a Google online prescription viagra Android HTC Dream phone, so that will cost me around $488 SGD. Plus some increase in my phone bills, about doubling my existing hand phone plans. Nevermind, for the access of mobile internet…

This month I saw two annual fee paid to my Citibank’s Credit card. Ouch, because I had it on Giro auto deduction, it was a bad choice. I plan to cancel one of the Citibank Master Platinum, because its useless. So its I’ve spend $300 on some stupid annual fees, and waived it off. Now it is credit I have to spend it off. Great.

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account (I guess this is the highest paying account currently)
POSB Mysavings Cancelled !

Expenses

Google Android HTC Dream - $488
2 x Citibank Credit Card Annual Fees (Waived!)- $300 &!@%*#
UOB One card Annual fees (Waived!) - $60

In March, I am just trying to save whatever I can. Having seen the un-stability in all financial markets, nothing is safe and sound. The banks might crumble anytime, but let’s hope the recession doesn’t affect us that bad.

And since the POSB MySavings interest rates has fallen to 0.4%, its time I pull the savings out, bit by bit first. (I was told by the bank teller my interest rates will fall if I withdraw, but hey its already so low, who cares?) On another note, I was thinking to increase my savings to Citibank, since it has a not-so-bad interest rate.

Around the corner on the last day of March, I got a performance bonus from the company I worked in, roughly $2000. Not much, but its very good its times of crisis, and since it is a “reward” for my performance in WY 2008.

I’ve canada viagra just gotten an account from POEMS, an online internet trading platform for buying shares, funds, unit trusts, and options etc… In 2 weeks time I should be able to buy shares online. That would make a better and meaningful experience to write down here.

Nothing much on my expenses list, there isn’t really a need to spend this month. Just a Life insurance premium to Manulife.

Here’s this month’s breakdown:
Savings and Earnings

$2000 Employee Bonus
$500/month Citibank Step up Account (I guess this is the highest paying account currently)
$300/month POSB MySavings (this is just temporary hmm…)

Expenses
Insurance - $600
Some clothes - $100
A new Pillow and pillow case - $100

Due to my mistake, or my busy schedule, I missed the due date for my credit card charges payment. I didn’t really paid late, but I paid the bill via one of the bill payment machines after about 6+ pm. To the bank, this is consider “late” because its after their office hour.

So I called UOB Bank, and incredibly, they had an automated call system such that if you are doing a waiver on credit charges, just enter your Identification card no. and your credit card number. After two weeks, an sms was sent to inform me that my charges were waived. Phew…

Here’s this month’s breakdown:

Savings and Earnings

$500/month Citibank Step up Account (I really wondered should I continue with this?)
$300/month POSB MySavings
$8.XX (interest) Passive earnings
+200 from viagra order our government

Expenses

$1550 UOB bill (Last December)
$800 Red Sofa (Last December)

This month was a little special, because it includes Chinese New Year 2009, the year of the Ox towards the end of the month. After starting my part time school and getting my new Sofa for Chinese New Year, I still had to pay an amount for my school fees last month. It amounts to $1,550, as the bill.

A little tip for buying CNY stuff; I actually accompanied my parents to minimize the buying of New Year goodies etc, saving costs on food and junk food which are both expensive and useless. For decorations, I actually pasted a word viagra buy viagra online ’吉‘ on the wall of my home，which means ‘Lucky’, using very old red packets.

Speaking of red packets, with the economy downturn and older generation relatives who have long drop out of the workforce, I still do receive red packets, or Ang Baos from them. I felt bad to take from them since I am working, but because of traditions, I have to accept, by exchanging Mandarin Oranges.

There’s an additional to the POSB MySavings account, with a deposit of $1k into the account. Hopefully this will speed up my savings, though I didn’t know why I didn’t put it into the Citibank account.

Here’s a breakdown:

Savings and Earnings

$500/month Citibank Step up Account
$300/month + $1000 POSB MySavings
$7.XX (interest) Passive earnings
$300+ Red packets

Expenses

$0
$40 2X Tshirts
Nothing much, expenses amounting to less than $400 this month.

Its the last month for 2008, and perhaps this is a bad year, or would 2009 be worst ?

In 2008, we all work hard for the first few months, and its only towards the last quarter that we get the financial tsunami waving from United states, to Europe, and to Asia.

I predict 2009 will be worst for personal job security. It is ok if our investment fails, but it will be very bad if our job is not secured.

For those who know I am studying for a part time IT Degree, this will be my last semester. But because I had to retake a course, so I have to pay 2X what my peers are paying, in order to finish my program and graduate.

Luckily I paid the fees separately, using the UOB One Card, and because of the difference of the payment dates apart, I can repay the bank in 2 separate statements, in December 08 and January 09. Why I used UOB one card ? Theres a sms saying whoever spents above $2000 between 15 Nov and 15 Dec gets to receive a free IPod shuffle, and so I am eligible for it.

Heres a breakdown:

Savings and Earnings

$500/mth Citibank Step up
$300/mth POSB MySavings
$6.xx (interest) Passive earnings

Expenses

$148 A Epson TX200 All-in-one printer (Photocopier / Scanner / Printer)
$98 A shelf from IKEA (DIY)
$30 buy viagra online A 7 seater Cab to transport my DIY shelf home.
$700 for a new L-shaped Sofa

I’ll put up pictures of these items in the next few posts.