Sunday 12 June 2022

[Post 124] 1 Day trip to Johor Bahru after 2 years (Eat, Massage ,Karaoke)

After about two years, I traveled to Johor Bahru for the first time with a few friends for a day trip.We were pretty excited because we hadn't been to JB in over two years ever since covid.Fortunately, none of our passports expired during this time period, and we manage to went in without much queue

We met at the Woodland temporary bus interchange to board the 950, which will take us directly into customs.

(Note: If you want to take the 950, you must do so from the Woodland Temporary Bus Interchange, not the new Woodland Underground Air Conditioned Interchange.I'm not sure why it's planned this way though.)

The line for bus 950 is as long as usual, but the lines at the Singapore customs are relatively short. One notable change was the machine to verify your Identity.Previously, it only required your thumbprint as shown below.

Old thumbprint regconition machine(Source)

However,  the new machine will verify your identity through face recognition. If the machine does not recognize your face, be prepared to use your thumbprint.

(Note: Remove your mask or spectacles to allow the machine to regconise your face. This is what I observed from other queues)

New Facial Regconition Machine (Source)

We took 170 to the other side after passing through Singapore customs. On the Malaysian side, the queue was relatively short because we went after lunch, around late afternoon

(Note:We got lucky! ๐Ÿคž)

City square was pretty much the same as two years ago, however there were quite a few shop and restaurants that closed down in the inner city section.

We decided to have lunch at the newly opened meng meng roasted duck in JB city square as we had a good experience eating it at the KSL branch

If my memory serves me right, we ordered(Menu):
1. A roasted trio consisting of crispy roast pork, honey-roasted port, and roasted chicken (RM33.80)
2. Half duck roasted with Chinese herbs (RM44.80)
3.Old cucumber soup with pork rib(RM13.80) 
4.4 fragrant rice (for two people) (RM1.20 each)
5.5 herbal infusions (RM3.80 each)

Verdict: Damage was around 150rm ++ after extra charges, about RM30+ per person (not bad!). My friend claimed that this was the most delicious duck he had ever tasted in his life๐Ÿ˜‚,will probably be coming back

After which,we went to secret recipe to eat some cakes! .I order blueberry cheese cake(RM 10.19 per slice),while my friends order hokkaido triple cheese cake (RM 12.17 per slice ) and chocolate indulgence(RM 10.19 per slice)

(I'm too broke to eat cakes in Singapore ๐Ÿ˜‚)

Blueberry Cheese Cake (Source)

Chocolate Indulgence(Source)

Hokkaido Triple Cheesecake (Source)

We then decided to go to Holiday Plaza for a massage. But, due to the high cost of the grab and that no driver responded to our request, we returned to Malaysia Customs and took bus s1 from its bus interchange instead.

(Note: A one-way trip to KSL city mall via BUS S1 costs RM1.50; bring some coin or notes with you as payment is made by passing the money to the bus driver or inserting the notes/coin into the ticketing box.)

Bus S1 JB CIQ TO KSL(Source)

We arrive at KSL city mall after about a 10-minute ride. As we passed by the KSL hotel lobby, it was already fairly crowded, with Singaporeans checking in for a two-day, one-night stay.

There were quite a few shops selling screen protectors  ranging from RM10 to RM15 depending on your model, and one of my friends took the opportunity to change the phone screen.

(Note: This is relatively inexpensive in comparison to Singapore, where screen protector changes can cost up to $10.)

After that, we go over to Holiday Plaza, which is about a 5-minute walk from KSL, for a massage. Before covid, I used to come here for massages with my family, and many shops have since closed down, including the KFC and McDonald's outlets. On the way there, we stop at the K Fry outlet at the holiday villa for a reservation at 7 p.m.

I often go to two massage parlors on a regular basis: Javanese and Chinese traditional massage (opposite of Javanese massage). Due to the fact that there were only three lady massagers available at the Chinese traditional massage, two of my friends (couple) went shopping.

Javanese Massage(Source)

Verdict: As usual, it was a good massage and the masseur was skilled. Highly recommended since 1 hour of full body massage is around RM45, which is pretty cheap compare to the outlets in KSL mall. We did about 1hr 40min, which ended up being about RM70 because we had time to spare until 7pm.

(Note:The ladies masseur will tend to chat with each other, so if you are more of an ambience person and wish to have a better experience, try another more expensive massage or go alone next time.Both massages are also family-friendly.)

We meet at kFry after the massage. One plus point was that their welcome drink was coka cola (self refillable), which was very refreshing after the massage.

As below,we order(Menu):
1.K fry Garlic Soya wings(RM 25.40)
2.Original cheesy fried chicken Bambuk(RM 68.32)
3.Bulgogi fries(RM 20.76)
4.Truffle Fries(RM 21.92)
5.Plain water(Free)

Verdict:Total damages was around RM150++ .The chicken was pretty good itself, except the cheese mixed over the chicken tasted like chewing gum. It was also quite crowded. Most likely not coming back in the future.

By the way, during dinner, my two friends (couple) told us that while we were massaging, they went to sing karaoke at KSL city mall at I am a singer family karaoke (located on level 2 KSL city mall) for about an hour, which cost them about 50rm (after 6pm)

It was about 9.30pm and we decided to head back to JB city square to watch the new Dr.Strange movie as the last Bus from Malaysia custom to Singapore custom was around 12.30am midnight.But alas,there was no Dr strange showtime but only Top gun at 10.30Pm.It cost RM17 per ticket for weekend.

We decided to sing Karaoke instead at the newly refurbished neway karaoke ,now known as Queens karaoke by a majority vote๐ŸŽค

(BTW ,I voted for karaoke ๐Ÿ˜)

Neway Karaoke Box before (Source)

Queen Karaoke (Source)

Queen Karaoke Room Rate (Source)

Previously, Neway Karaoke charged per head, which was quite expensive despite the fact that it had a buffet, but the new Queen Karaoke has since changed to a per hour charge, which is a welcome change as one of my friends did not sing. We initially wanted to sing for an hour, so we booked the deluxe room (4-7 people) at RM38, which was similar to the one shown below. We ended up extending it another hour because we were having too much fun singing๐Ÿ˜.

Queen Karaoke Deluxe Room 4-7 pax (Source)

Verdict:Each room has two microphones. The song selection system is similar to other karaoke in JB. My ordered iced tea tasted like plain water though . Will definitely return for the RM38 per hour price, but will probably order only canned drinks next time.

After the karaoke,we simply head home to singapore without much queue as it was already past midnight.It was a breeze to get home because I live in the north.One of the rare perks of staying in the north๐Ÿ˜.

Final note: It was great fun to return to JB after a two-year absense.Can't wait to go back and explore other parts of JB to see if anything has changed in the last two years๐Ÿ˜. Will be sharing my experience to Mid Valley mall soon just last week

Sunday 22 May 2022

[Post 123]Can You Really Make Money With Play To Earn NFT Games?

Simply put, no. Evidence from the video suggests that such virtual Blockchain-based games should be avoided. The video also mentions that in order to play such games, players must first come up with the money. Furthermore, CNA suggests that it might be a Ponzi scam or pyramid scheme in which money from new players is used to pay out money to existing players. In summary, avoid such games if you have to come up with the cash in the first place. You are definitely better off selling NFT, but it is crucial to note that "minting" or generating an NFT still requires crypto, as seen in the video below, which provides a local Singaporean artist's view on the process of how to create ,buy and sell nft.

Friday 4 June 2021

[Post 122] Zero dollar project :carousell,Bitcoin Faucets,Short Link,Online survey update

Another school semester has come and gone,and is finally time to resume blogging!

Updates for zero dollar project(December 2020-June 2021)

2.Bitcoin faucets
3.Short link
4.Online survey



Did not keep track due to studies,assume NIL

2.Bitcoin faucets

unfortunately,coinpot has close down and so all of the related crpyto in my account is gone,oh well,hahaha

3.Short link

Total earning for short link :$5.18

4.Online survey

Current online survey on my list...(Bold mean that these survey websites have been verified for payout)

4.1 Toluna
4.3 YouGov
4.4 mobrog
4.5 ipanelonline
4.6 viewfruit
4.7 millleu(App on google play store)

Total earning for short link :$25.00+ 6.25+6.25+6.25=$43.75

Total earnings for latest update of zero dollar project:$5.18 +$43.75=$48.93 

been a busy semester ,hence the amount is quite low, but then again this zero dollar project is done to prove that you can earn money from the internet with just a mobile or laptop

Thanks for reading!

Saturday 12 December 2020

[Post 121]Investment Book Summary 2:Small change, Investment made Simple by Goh Eng Yeow

In this post ,i am going to summaries the book :Small change, Investment made Simple by Goh Eng. Yeow. This book is part of the Straits Times Money Smart Series. As this book content is regarding the author thoughts about money and investment, i will be summarizing the point as follow.

1.Health is more important than money, take care of your health 2.Money is a form of security, which reduce your worries and allow you to spend your times with people that matters most 3.Giving charity will increase our happiness 4.Buy experience instead of things 5 Remember to pamper yourself from time to time 6.Think positively and seize opportunity to get lucky, more luck=higher chance of becoming rich 7.It is never too late to achieve success, think KFC colonel Sanders who become big at the age of 66 8.Create a financial plan ,insure yourself and get a house, the house will appreciate over time 9.Invest early, no shortcut to wealth 10.list your asset and liabilities, deduct asset from liabilities and you will have your net worth 11.Set money aside every month to put into an ETF e.g. STI ETF,S&P 500 12.A Buy and hold strategy is the recommend strategy for investors 13.Understand a market well so you can seize opportunity if it comes 14.Buy low beta stocks. A beta of 1 refer to a stock that move similarly to the index. A beta that is higher than 1 mean that the stock in the index move more violently than the index(e.g. DBS rise 5 percent but STI ETF rise 1 percent).Low beta mean less than 1 15.Even warren Buffett failed to outperformed the index, so do consider investing in the ETF 16.There are many investment opportunities overseas, do consider other countries stock instead of Singapore Stock 17.The investment playing field are gradually levelling between big time investor and small time investor 18.Sin stock such as related to gambling, smoking and drinking can also be consider worthwhile to invest in 19.Look around and observed for investment opportunities ,you never know you may come across it 20.Invest in what you know 21.Watch major fund flow to know where to invest in and where to profit from it 22.Comes out with a list of companies that you wish to hold for a long term and the prices that you do mind paying for them. If they reach those prices, do consider purchasing them 23.Remember to have reserve cash in uncertain times to take advantages if opportunity present itself 24.Invest with logic and not emotions 25. Don't trust number too much also, look out for irregularities in company financial statement 26.keep the winning stock and sell the losers! 27.Check your portfolio from time to time 28.learn to control your greed 29. Don't be taken in by so call financial guru!

If you would like to read the book do get it at your nearest library! Thanks for reading! Remember to dyodd! 

Sunday 6 December 2020

[Post 120] Zero dollar project updates:carousell,Bitcoin Faucets,Short Link,Online survey

 Updates for zero dollar project

2.Bitcoin faucets
3.Short link
4.Online survey



Did not keep track due to studies,assume NIL

2.Bitcoin faucets

Current coinpot holding

Bitcoin core: 6789 Satoshi
Bitcoin cash: 19958 bch
Dogecoin: 72.39. doge
Litecoin:  0.00253719 ltc
Dashcoin: 0.00094960 dash

3.Short link

Total earning for short link :$105.40

4.Online survey

Current online survey on my list...(Bold mean that these survey websites have been verified for payout)

4.1 Toluna
4.3 YouGov
4.4 mobrog
4.5 ipanelonline
4.6 viewfruit
4.7 millleu(App on google play store)

Survey that payout mobrog,yougov

total payout from survey:$6.25+$5.00+$5.19+$6.25+$6.25+$25.00=$53.94

Total earnings for latest update of zero dollar project:$53.94+ 105.40=$159.36

Tuesday 1 December 2020

[Post 119] Learning investing/trading together part 32:Intro to FSM regular saving plan for US stock

Recently at last Nov ,FSM(FundSuperMart) has step up their game to offer regular saving plan for various local and international ETF.I thought it would be interesting to write a guide regarding this regular saving plan,so here we are!

For other Fsm related post

What is a regular saving plan (rsp)?

  • Regular saving plan(rsp) offers investor an affordable and convenient way of investment by committing a fixed amount of money on a monthly basis for a shares,allowing us to enjoy the benefit of dollar cost averaging

What is dollar cost averaging?

  • When the share price is higher,we would buy fewer shares with a fixed dollar amount 
  • When the share price is lower,we would buy more shares with the same amount
  • This mean we automatically buy less at market high and buy more at market lows
  • Overtime,the price we pay for our portfolio of shares would be average out

Benefits of Rsp


  • Rsp allow us to buy into selected shares by investing an affordable and regular amount per month,from as little as $50 

2.Dollar cost averaging

  • Rsp remove the need to time the market and trying to figure out when is the lowest point to buy


  • Rsp generally has a lower cost of transaction with no lock up period

Currently,the fsm regular saving plan(rsp) offer over 40 Etf,hence in this post we are going to discuss the various rsp that fsm has to offer

Here are the various categories that the RSP has to offer,you csn view it at the link

1.Core equity 

2.Fixed categories

3.Regional equity 

4.Single country equity


6.Tactical plays

As there are over 40 ETF that FSM has to offer, i am only going to talk only 4 ETF that i think you should consider to invest in.

Do refer to this post and this post on why we should invest in ETF

Vanguard total world stock index fund ETF shares(Nyse: VT)

What is it?

VT tracks the performance of FTSE global all cap index that measures the return on investment of the different companies stocks in developed and emerging economies worldwide(including 7707 large ,mid and small cap companies stock in 49 countries worldwide)

What does VT contain?


From its holding, you can see there is a wide variety of stock from different sector and different countries(Microsoft: Technology, Tencent holding ltd: Communication services, The Home Depot Inc: Consumer Cynical, Proctor and Gamble co: Consumer  defensive)

VT ETF performance history


As you can see it is certainly not very impressive, if you consider that over 10 years, it has only increase about 0.9223 per year(9.223/10). Covid has certainly reduce the performance of this ETF. Also, this ETF cover emerging economy, hence its ETF performance may not be as good as those ETF that are more US concentrated. Nevertheless, i feel it is one of the best ETF in the world and has a low expense ratio at 0.08% .After all the purpose of the ETF is to be diversified and achieve an average return overtime

Vanguard S&P500 ETF (MYSE:VOO)

What is it?

VOO track the performance of the S&P 500 index, a widely recognized benchmark of the US stock market performance that is dominated by the stock of the large cap companies in US. Basically it is a replication of the S&P 500 index

What does VOO contain?


As you can see ,VOO  is almost similar to VT ,but it does not contain companies outside of America(e.g TenCent's),it include companies that are more familiar to an average America( e.g. Bank of America: Financial Services, Exxon Mobil corp:Energy,Adobe:Technology).Nevertheless, i feel it is one of the best ETF in the world and has a low expense ratio at 0.03% 

VOO fund performance history


Its fund performance only date back to 5 years, which is equal to 2.3588(11.794/5) and has been great diminished due to covid.

Fidelity MSCI Information Technology Index ETF (NYSE:FTEC)

What is it?

FTEC tracks the performance of the MSCI USA IMI information technology index which track the performance of information technology sector in the US equity market and at least 80% of the FTEC is similar to MSCI USA IMI information technology inde

What does FTEC contain?


As the index track the technology sector in the US, it includes company such as Paypal,Apple,Nividia as well as AMD

FTEC fund performance history


Its fund performance date back to 5 year, which come out to around 4.554%  annually, do note that tech is one the sector that recover quickly during covid.Nevertheless, i feel it is one of the best ETF in the world and has a low expense ratio at 0.08% 

O'shares Global Internet Giant ETF(NYSE:OGIG)

What is it?

OGIG tracks the performance of the O's shares Global internet Giant index.This index mainly tracks stocks exhibiting quality and growth characteristics in the technology sector.

What does OGIG contain?


As you can see, OGIG track tech related company from both US and China such as Alibaba, Amazon, Bilibili, Pinduoduo and Netflix

OGIG fund performance history


Its ETF performance date back to 1 years and is up by 57.531%,which is pretty impressive if you consider covid, if you would exposure to both US and China tech,this is an good ETF to consider

There are of course many more great ETF on the list but i generally lean more toward technology ETF as the company name in the ETF are more well known and that i mainly use the produce in some way or another(Microsoft: window laptop) compare to consumer cyclical like (e.g home depot).Nevertheless, i feel it is one of the best ETF in the world and has a low expense ratio at 0.48%,slightly lesser than ARK invest ETF.

Hope you enjoy this post!

Monday 21 September 2020

[Post 118]Learning investing/trading together #31:How to purchase a stock with Tiger Broker mobile

In this learning investing/trading post,i am going to show how to purchase stock through tiger brokers

For a review of tigers brokers by seedly,you can refer to here!

For creating an account with tiger broker,you can refer to here!

For funding your account with Tiger Brokers,you can refer to here!

Why choose tiger brokers as a brokerage?

  • Good customer service,when my account wasn't funded after about an hour , I give a call to tiger brokers customer service and my account fund was immediately updated within 5 min 
  • Tiger Brokers is probably the cheapest brokerage commission available for Singapore resident out there who wish to invest in Singapore Stock and only second to Interactive Broker for US stock(refer to fees tables below)
  • Unlike Interactive Broker, it does not have a monthly activity fees of $10
  • New brokers,may not be reputable and established as existing Singapore brokers such as DBS vicker or international brokers like TD Ameritrade and Interactive Brokers
Onto the step by step guide on how to purchase  a stock using Tiger Brokers!

1) Transfer money into your Tiger Brokers

How much to transfer?

Well it depend on how much your budget to purchase stocks and whether you have enough in your bank

Currently, the brokerage charges for Tiger Broker(Singapore Market) are as follows:

Source:Tiger Brokers Singapore
And as for the US Market

Source:Tiger Brokers Singapore

With such cheap fees,you can purchase stocks(e.g DBS) and dollar cost average at a low cost, say bye bye to brokers who charges $10 commission fees!

Note:You can invest in any amount you like,of course subjected to your bank account:)

2)Time to purchase some stock!

For me,i mostly use the mobile app to purchase as it way easier and faster

First,you log in to your mobile app,tap on the magnifying glass icon on the top right hand corner to search
the stock tickers e.g DBS(D05)

Source: Tigers Brokers Singapore


Source: Tigers Brokers Singapore

Tap on Trade
Source: Tigers Brokers Singapore

Tap Buy/Long.In my case, i am buying DBS stock(D05)

Source: Tigers Brokers Singapore

The plus point for tiger brokers,is that it provide real time Level 1 data for SGX at no extra charges compares to resources like yahoo finance,where it is delayed.This allow you to determine your buy price precisely.
Source: Tigers Brokers Singapore

The terms are explained as follows:


Direction: Select buy if you want to buy shares and select sell if you want to sell the shares(In my case,i select buy)

Type or order type:Limit order(buying or selling a share at specific price.Always choose Limit order!!!,market order(buying or selling a share at the current market price where order get filled immediately)

Limit Price: The price you would like to buy/sell your share at(In my case, I enter at 21.79)

Quantity: How may share you would like to purchase(In my case, I select 100)

Note:In Sgx, 1 lot=100 shares

Ignore buy on cash and buy on margin unless you are leveraging

Amount: Shares x price (100 x 21.79=$2179.00)

Valid period:Day Order(A day order is a order good for that business day only.If the order is not filled by the end of today market close,it will expire.This is the order we are going for, for simplicity sake)

Then click Buy,the order details will appear.

Source: Tigers Brokers Singapore

Double check your order detail and tap confirm

To check if your order is filled.Tap on trade then tap order.An example of filled order is shown below.

Source: Tigers Brokers Singapore

Once your order is filled,you are done!(You have made your first investment!)

Pretty easy right?

Thanks for reading!