Five Cents Ten Cents

Financial freedom, one realistic step at a time.

Saving money by shopping around: home insurance


Flickr image Elevation by *GEL**

Flickr image "Elevation" by *GEL**

My home insurance had expired and I was shopping around for a package. I had earlier purchased a home insurance package by AIA that costs me $169 for coverage of $16,000 in terms of home contents and $80,000 for building. It was sourced from an AIA agent whom I had bought an enhanced shield plan for myself and my daughter. Continue reading

Not-so-secret Diary of a CPA (part V)

This entry is part 9 of 10 in the series Grow Your Means - Career

Flickr image Clone trooper by Uhhhlaine

Flickr image "Clone trooper" by Uhhhlaine

What is your stereotypical view of a Certified Public Accountant?

Someone who is meticulous in figures? Likes to dot every ‘i’ and cross every ‘t’? Someone who is obsessed in ensuring that debits = credits?

Or is the accountant someone who has every won a table-topics trophy at the division level, who has spoken at more than half-a-dozen conferences and seminars and who writes a couple of blogs in his spare time? Continue reading

»crosslinked«

How to be “lucky” in financial freedom


Flickr image 888 by Roadsidepictures

Flickr image "888" by Roadsidepictures

We dream of it all the time.

The big score.

Hitting that one in a million.

Becoming the Group 1 winner of a TOTO pool worth $1.5 million dollars.

That is when we are financially free! No more stupid bosses. No more deadlines. No more rat-race!

Who doesn’t want to be financially free?! I too dream of hitting the group 1 TOTO prize and I do occasionally wager $1 or $2 on TOTO if I happen to be near to an outlet that doesn’t have a queue.

However, the reality is that financially free is within our grasp. It happens when we realise that strking the “lottery” is when you finally grasp the formula for achieiving financial freedom. Continue reading