Concessional Super Contribution

How to claim DIY non-concessional superannuation contribution as concessional superannuation contribution? I like the simplicity of depositing additional super contributions at any time without having it set up with payroll. Without extra paperwork, the additional contribution amount can be $50, $1,000 or anything in between. At the end of the financial year, I could then… Continue reading Concessional Super Contribution

Portfolio update May 2021

Money skills are very important

It’s 2021, and the pandemic is not quite over yet. Although, in Sydney, we are very lucky that the pandemic is well under control, as life is returning to the ‘old-normal’. The last two quarters had been the quarters of growth in the equity assets. Not so much if you are invested in bonds. I… Continue reading Portfolio update May 2021

Portfolio Update December 2020

Photo by Maria Orlova on Pexels.com

2020 is almost over. What a year it has been. At the end of this weird year, sharemarkets all around the world are recovering strongly even more than ever. Of course, the sharemarkets are not the representative of how the economy is doing. I wish many things can be simpler and more straight forward than… Continue reading Portfolio Update December 2020

How to Cook Ten Recipes for Under $10 from Scratch?

List of must-have pantry items before you start Cooking oil – There are many different oil you can use for cooking. If you are low on budget a bottle of olive oil or grapeseed oil is good enough. You cannot cook at high temperature using olive oil though, so be aware Salt & pepper Raw… Continue reading How to Cook Ten Recipes for Under $10 from Scratch?

Portfolio Update September 2020 – COVID recovery

Girl status wall street by Jouwen Wang

Here is my current asset allocation in September 2020. Some of the current allocation % are way off the new target %. REIT is a bit too risky for me at the moment. I am not a fan of its recent performance and how much risks REIT assets carry. I will actively reduce my exposure… Continue reading Portfolio Update September 2020 – COVID recovery

How to choose the right level of life insurance cover in Australia?

Are you single? Yes or No Do you have kids under 18 years old? Yes or No – Two questions before you start When we talk about life insurance in Australia. We talk about three different types of coverage: life insurance, income protection and total and permanent disability (TPD) cover. If you already have life… Continue reading How to choose the right level of life insurance cover in Australia?

Australian Shares Portfolio – September 2019

The portfolio has grown by almost 4% since March. The modest growth is mostly due to the overall ASX market going up after RBA announced two interest rate cuts. Most holdings in the ASX is probably overpriced at this stage – not a good time to buy unless there is a good dividend on offer.… Continue reading Australian Shares Portfolio – September 2019

Saver App – Experimental App Using React + CSS Grid

Last week, I read this post, and I got inspired. The idea is to have a printed collection of coupons with 52 entry coupons; each coupon has a dollar amount attached. You can cross out a coupon each time you manage to save that amount. If you cross out one coupon each week for one… Continue reading Saver App – Experimental App Using React + CSS Grid