Building a passive income

Growing old is a pain isn’t it?

Not just physically but also the mental strain of responsibility.

The few years after graduation moves so fast – the new job, the new relationship the new car. then the rush to get married. the house the wedding the ring the kid and suddenly

Hey im going to be 30 soon? ( in 3 years time)

Suddenly, the paradigm of saving and life and retirement changed.

you know, assuming we live till 80, we spend about 40 years (about half of our lives) accumulating for all the big ticket item in our lives (60 years of living expenses, plus a house plus an education)

If i choose to retire, can i survive?

Elon Musk once went on $1 a day before he started his entrepreneurial exploit. 

It convinced him that he had what it takes to lead a life as an entrepreneur.

I wanted to know how much i need to survive pretty happily / comfortably

and surprising – not a lot. To be exact, 1k is more than enough. After bills, insurance, transport and a tight budget online shopping, a couple hundred bucks of savings monthly.

so i decided to build my first 1k passive income before age 30 – then technically, i can retire if i want to.

My first exploit was – forex

buying into a fund house that gives solid decent returns – about 10% a year. (based on current track records). Its perfect for people with small capital, no time and willing to pay others to earn money for me. (i mean, i don’t care if they use my money to earn 200% as long as they pay me my good say 10%, cos i can’t do it myself and there isn’t much other instruments thats so hands off but so stable. if u do know some, let me know. i am all ears.)

Then, the appetite grew. Other than interest, i want capital appreciation.

I wanted to own real

real estate. The big boys game. p.s. did u know, our top billionairs in sg and in fact in the world are mostly property mogul including Mr trump.

Turned overseas, and bought The Peak at Cambodia.

with 10 years guaranteed returns (5% first 5 years and 6% next 5 years, and possible to renew another 5 years for 7%) i am set for the next 10 years at least with a decent rental income (guaranteed by capitaland) and a potential capital upside of 100% in 10 years.

Small quantum. 100k ish. i can afford it. worth it.

glad i started young.

so here i am… at 27.

a little more to my target of 1k passive income.

While i am not sure what is to come, i am sure as it comes along,

no hesitation.





9 reasons Why I like hotels

The fiance and I generally staycay or vacay once a month or once every two month.

It’s never expensive. Ok maybe a little. Esp on those k BBQ then bar hop then ok let’s do it today n check in with another family pack of KFC meal kinda nights….

But here’s why I love hotels period.

1) because I sleep in a single bed at home. But at hotel… Hello queen sized beds

2) because new toothbrushes everyday for clean freak and mini bottles of shampoos are so cute

3) because it’s ok to midnight snack whatever street good you can get. Diet is never on menu

4) because drinking 3 cider 2 beer and a few shots of soju in the room while watching discovery channel is considered chic n relax and not considered “emoing in the room”

5) discovery channel

6) and Nickelodeon although they are always on reply

7) waking up in different places. I mean. I could be staycay IMG in beach road but when you wake up it feels like ah. Holiday. Im in a different place. Im happy. No 730am work routine.

8) inspecting how each hotel looks. I ever stayed alone in a hotel because I heard it’s on sale and I wanted to know how the hell did they pack 154 rooms plus common area reception etc into a land space of approx 2000 sqft 4 storey high. (Ther were many loft units. Very cool) and also cos it was late n I don’t want to cab home. But I ended up buying clothes from9 mustafa cos well. A girl gotta change.

9) my own key card. I feel like an adult. Hey don’t judge. It’s not common most people treat a 4foot ish girl as an adult

10) if im drunk somewhere I won’t trip and die on the streets.

The peak @ cambodia

I guess I’d be going to Cambodia soon

Why? because ffnc is a global citizen n now I bought a property there!

A few months back i was throughy depressed. I’d always told the whole world I would buy a freehold property before turning 28.

When the sg gov changed their rules about property laws, I thought my dreams were dashed (#absdsg #ltvsg #propertyinvestingsg).the tax to ownership increased. The amount anyone is allowed to loan decreased. (Click here if you want to understand more about sg property, tax and investing guide)

Pissed, I spent one night crying in the bus and two weeks furiously researching on overseas property.

Thai. Aussie. London. Bangkok. Vietnam. And one evening. I found Cambodia.

I spent 30 min with my fiancé mother debating about the property. The next day we were at the showflat. The day after.. we were both proud owners to 2 side by side units in the peak Cambodia.

A freehold shop with 10 years guaranteed rental return (nett 5 to 6 percent). Guaranteed by capitaland #capitaland with upside of 100% capital appreciation in 10 years. (I mean.. it’s in Shangri-la hotel building.. and 7min walk from the casino. Can’t find a better location than that!)

(If you are interested in the peak @cambodia read the prospectus here!)

Oh the best part? I just realized I am only 26. Well done. I self inflated my age; always thought i would turn 28 on my next bday… (Told u women don’t count our age after 25)


almost feel like cheating death for another year

So.. I am early!!!!

So yes. I am going to Cambodia est march 2019!

Tell u guys more soon!!!!! Its Gona be fun! #investorsroadtrip

(Oh yea I’m going to Viet in Dec too! Hehehe)


#sginvestproperty #avoidabsd #savvyinvestproperty #thepeak@cambodia #alternativepropertysg



Well hi. It’s been a While hasn’t it

Here’s something for bored, stressed, depressed Singaporeans to go or do in JB

– tucked a few street away. From ksl near pelangi mall, is a lil stretch of chill spots.. cafes.. nclubs… That sorta thing.

Google for bagus hotel.

Along bagus hotel

There’s a shop called chimney

It sells shisha!!! #shisha

The water pipe tobacco thingy u know.

Those banned stuff that line the Arab streets in sg few years back. Bet u junkies miss those things

20rm only for happy hour.

And like 35? For regular timing..

Pretty chill. One of the lady boss is Singaporean.

Courage much..

First time blasting my lungs out with so much tobacco.

Some death are sweeter than others

Worth a backside photo

Remind me never to go mountain trekking with volleyball players ever again. Oh yea.. the first overseas trip with Galvin was mount ophia. Why we always climbing mountains huh?

While we were jostling in the public bus, trying to get to jiufen, we saw the mountain (keelung mountain) right beside jiufen old street.


Me: we shall climb this.

Travel buddy (have volleyball competition tomorrow) was a no nonsense dude: no

Ptff spoil sport

1 hour into trodding around jiufen in the 32 deg celcius summer…

Travel buddy: lets climb the mountain.

Wtf? This guy has no heat receptor in his bones and suffers from 1 hour brain lag?

Me: no

And so we found ourselves at the foot of keelung mountain.



Half way up the ascent. There was a split road. Short path or long way?

Dude pointed to the long muddy road and started out. Oh screw me. Look im in a dress!

Like i said. Volleyball players are crazy. And they are also too tall. Charging up the mountain 3 steps at a time while midget me trudge along.

Was it worth it? Hell yea. Gluping down the warm jelly i saved all the way up the mountain.

Just come in autumn maybe.and bime bring a beer.

So baring backside is trending ain’t it.

Ahhhhhh can’t do ittttt!

Heres a bra pic instead… Lol

And yea. I missed the moment jiufen lighted up (yes it does feel like spirited away)






Definately worth a backside photo – shall be in my bucket list for now!

traditional tw breakfast food

so… the traditional taiwan breakfast is so good, it actually deserve a post itself. (in my opinion)

it typically opens in the morn and closes by 11pm.

there was a day i missed breakfast. cos as u all know me. i overslept.

you can imagine my sulky face the rest of the afternoon.

It may surprise you, that the traditional breakfast food burger – 汉堡

and it is ridiculously tTO DIE FOR!

The thing is, burger is kinda just a small selection of the breakfast menu, but burgers being burgers, the name stuck

here’s traditional taiwan breakfast

the menu separates the type of food served. Then you get to choose the toppings

under hotplates, you have:

GYOZAS! (its like 2 sgd only!) with their special smoky dripping sauce

OLYMPUS DIGITAL CAMERAthink they call this dumpling instead of gyoza. whats the difference? idk. price is the same 2 bucks and the same smoky goodness. sinful breakfast!OLYMPUS DIGITAL CAMERAfried carrot cake


then theres the awesome pancakes which are my fav (its always with eggs and flour base and you can choose toppings like cheese, bacon, pork cutlet ham.) with the fragrance of spring onion omgggg OLYMPUS DIGITAL CAMERAOLYMPUS DIGITAL CAMERAOLYMPUS DIGITAL CAMERAOLYMPUS DIGITAL CAMERA

then theres croissant. 可宋 i didn’t know thats what they call it in chinese. i always thought it was .

so they have croissant, and they have this weird hybrid of bread on the lower half and a sheet of croissant skin on top. Its buttery and soft and not flakey like crossiont. I think i am in love

OLYMPUS DIGITAL CAMERAjust look at that. pork chop hugged in that beautiful moist pastry skin! and they traditional sesame paste version omgggg. swoon.OLYMPUS DIGITAL CAMERAtheres also burgers. sandwiches…. and i don’t know. a bunch more.

but go to taiwan, try the breakfast.

its just. ridiculously good.

oh did i mention, the are usually only about 30 to 55 new dollars (about 1 buck to 2 bucks sgd)

i ate mine (everyday) at ximending area (its very famous. ask around)

What to buy in batam

I know u guys heard about all that massage and seafood. Heres a few other things u can/should buy in batam!

1) magnum ice cream

Come on. Why is magnum so ex in sg? Is ice cream taxed too? Cos magnum cost $1.30 sgd here. So i ate all the flavors… 8 in total.. Check out red velvet! #loves

2) vitamin pills

I know they look like condom packs. But these r legit cheap vitamin pills. (1500 rp? Thats like 10 cents sgd or sth). And since vitamin pills are expensive in sg n rupee r shit currency to keep, i spent the whole load of left over bucks n shilling on vitamin n yet another magnum ice cream.

3) viagra pills

The magic name u are looking for, is cialis. Read here for story on buying cialis.

Because its legal drug in sg but u can’t get them unless u get the man to pull off his pants n tell the doc how impotent he is. In batam, u can get it over the cou ter. The price. Is 20sgd each pill. 💊

4) some coffee

For some reason some coffee are real cheap. I got these for 9300rupee. Thats about a buck sgd. And its damn awesomes.

5) cheese

Don’t say no to cheese. A butter size block of cheese cost me. A dollar. Mom was mad i only bought one. She thinks i travel to buy grocery. Guess i can’t deny my tendency to over shop on grocery… Came home with 7kg of cheese from europe.. But anyway. Get the cheese. Its cheap.

And of course alcohol. Cos its duty free.

And of cos ciggs.

But those. You all know ~

Oh ya by the way. Did u know batam property is pretty cheap and decent investment. I met this dude who bought like 10 houses off developer and turn them into a resort/Airbnb. And the total cost is still less than a one bedroom sg condo. Sick much. Maybe I should consider getting one too for retirement or just diversify my investments. Lol. (You can find more info on buying batam property and sg developer sale of batam property here)


Chasing the dragon

My colleague was excited that i was going to batam. Pull me to a corner and said conspiringly.

“U know, in batam you can buy those .. For man… Viagra! Over the counter…. U don’t need to see doctor… And its the real legal drug in singapore”

“I heard my friend ate it and it put his 16 year old self to shame.”

“I want to try leh! Help me get. I want to feel like dragon!”

Thats how i found myself at the apoteik counter.

“I want pill. U know pill. For man! Man! ”

I point to a man beside me and then flexed my non existance arm to express the meaning of poweress.

“Pill. U know… Viagra….. ” desperately trying to convey.

“Tonkat ali! I want tonkat ali!!! Come on u have it right? Right?” i raised my voice a lil in desperation / exasperation.

The tudong clad female pharmacist gushed, looking distressed. Her unibrows squashed together like a long centipede, shook her head violently as if a beetle found its way onto her scarf. (nth racist here. I think she was just too shy)

I was adamant. God damnit i know she has it. So i took a long walk and came back a few hours later.

From afar, before i entered the shop, the same girl caught sight of me, bolted out of her seat at the counter and disappeared into the pharmacy closet room and dragged her colleague out, inconspiously pointing at me. THEN THEY BOTH LAUGHED!

Dear god. I had to give up on this humiliating shop…

So i hopped over to a large pharmacy hoping there will be more people to assist and kinda well… diffuse the attention.

Upon entry, 4 handsome young pharmacist greeted with smiles…… Thanks.

Inconspiously slipped a piece of paper with the drug name over the counter.

“Cialis…” he mummured and then turned to handsome #2 and said “cailis…” handsome 2 turned around to the other 2 hamdsome pharmacists hanging around behind him “cialis!” and they all took glances at me and mummured “cialis” with that all knowing look…  i felt violated. Damn i still go to the female washroom u know..

Totaly publically humiliated.

Anyway. I got the pills. And a lot of mentos. And some gums. Side note: though their ability of recognizing drugs was decent, their cashier skill n speed sure needs brushing up. So i got another magnum ice cream while waiting awkwardly too.

If my colleague gets his wife pregnant, he better award me a huge ang pao. #ideserveit

Viagra pill