Showing posts from March, 2019

Australia: My Experience With The Stock Market - Part 4

Aside from stonks, I was also researching about ETFs (exchange traded funds). It's like mutual funds but no. Then I came across spaceship voyager  then raiz .  If you want to know more about the two, you can refer to this  article . Below is a summary: 📌Make sure you understand the product and the risks involved before investing.  Source: Update: I opened an account with Raiz and will do a review after a few months 😊 . If you want to get started, maybe you can use my referral link here  to have  $5 for me, $5 for you! Thanks!   

My First Investing/Trading Books

When I was learning about investing in the stock market, I needed books for more information. There are a lot of free pdf on the web but the books that I like, I want to have a hard copy of it so that my children maybe can read it someday. Maybe that will be the legacy that I'll be leaving them. I want them to know money management as it is very important. If only I have known that when we were kids, maybe I have chosen a different path. So, I went to check the bookstore and EXPENSIVE!! I searched for online bookstores that offers affordable books like amazon and I found at about BOOK DEPOSITORY. These are my first books. Jesse Livermore's Methods of Trading in Stocks - Richard Wyckoff This was my first ever book about trading. It has only 32 pages and can be read in one sitting but full of information. It tells about how Livermore's preparation before and after trading, money management, news, stocks to trade and pyramiding.   How To Trade in Stocks - Jesse Li

Queensland: ITA Requirements

When you're invited to apply, you'll receive an email on what to do next. BSMQ Settlement funds declarion form  - click to know how much fund is required. They only need supporting documents for your liquid assets (Those that can be converted to cash immediately like cash in bank, stocks.) while no need for illiquid assets (property, car) but you can include them if you are going to sell it. We made an excel sheet to list what we have in pesos and sgd then converted it using XE currency converter   (I think we used Oanda currency converter. The conversion rate should be on the day or at least a few days before submission of the requirements so that it will not have that much rate difference. All assets should be under the applicants names (joint or not) like deed of sale, title certificates etc.)  Bank Statement  - we submitted statements generated from our online banking or screenshots. It needs to show your name on it. Skills assessment - Vetassess outcome letter

Centrelink: Benefits and How To Claim

The Australian financial or fiscal year starts from July 1 - June 30. Because we arrived July 2018, we are on FY 2018/2019. If you arrive May 2019, you will still be under FY 2018/2019. Why is this important? Because at the end of the financial year, centrelink will be balancing your family assistance payments. They will compare your income estimate with your actual income to ensure that they have paid the correct amount. To be able to transact easier with the government, you need to create your  mygov   account. After creating, secure your medicare number, CRN and TFN. Once you have them, link all your accounts to mygov and you can transact from there. Homepage upon logging to mygov account Click on centrelink once you log-in in your mygov account. You will be redirected to the centrelink website. Click on "Make A Claim" then fill in the forms. You also need to upload some documents like proof of identity, child birth certificate, tenancy agreement, TFN etc. 

Brisbane: Cost of Living - Part 3

Continuation....  I forgot to mention other groceries like toothpaste, soap, tissues, detergent, nappies etc. but you can check their websites for an idea. Since we came here with our son who was still on milk, we brought as much milk as we can. We had 3-4 boxes (1 box contains 6 packets) maybe. We declared it in the form since it is dairy and was not questioned. (Declare anything that you will be bringing like tuyo, peanuts, milk etc. to avoid paying the fine. If it is not allowed then it is not allowed it. At least, you were honest in the form.) For nappies, we bought in Big W. Cheap!! $10 for 40pcs  Detergent - we use Fab and also buy it in Big W. Costs $12 for the 4kg and $19 for the 7kg and we buy the latter. Fabric softener - we use Coles brand. Costs $3.25 (2L) For beauty care, medicines and other items, we buy in chemist warehouse like mouthwash, baby soap, lotion and maybe their milk here is cheaper compared to Coles and Woolys. For my beauty regime (haha. I only us

Brisbane: Cost of living - Part 2 (Groceries Only)

After living in Singapore for almost 6 years, we were used to everything being expensive - groceries, clothing and food unless you eat in hawkers. I think it is the same in the Philippines unless you stay in the province. Because of that, our notion was the same with Australia but a little bit cheaper maybe. So below are our grocery expenses and you be the judge. Groceries  - our budget is $150/week but we are always over the budget due to some things (hehe. things not in the budget and I admit it's a bad habit and now, I am rebalancing our budget.). We usually go to either Woolys or Coles . Sometimes we check out Aldi but only on household items. Our unit is quite far from Woolys and Coles but we have an IGA nearby where we only buy when we badly need something. We prefer buying our vegetables in Fresh Sensations because they have some asian vegetables like okra, ampalaya but they only have few outlets. That's why we always go to Westfield Chermside because they have W

Brisbane: Cost of Living - Part 1

Before moving to Queensland, we did our research not only on the weather but also on the estimated expenses we need for our daily survival but it was not enough. We were not sure if the money we had covered at least 6 months of our expenses. So, below are rough estimates based on a per week basis . So if you are budgeting for one year, multiply it by 52 weeks but for me, I would put an allowance of 1 week so it would be 53 weeks. Rent - since we are a family, we decided to look for a house or a unit. Our budget was $250-$300 but we ended up with $350. If you'll be looking at suburbs far away from the city like Tingalpa, Canon Hill, Murrarie, Wynnum, prices will be around our budget. But if in the city, budget will range from $300 above and most of the units are unfurnished. You can also look for a shared room for the meantime. As mentioned in my previous blog, it's quite difficult to get approved due to the many requirements needed. Also, it is cheaper and no need to worry

Happy Together

One of the reasons why we moved here in Brisbane was due to the long distance relationship we had with our son. After giving birth and staying for 2 months more, I went back to work again in Singapore. He was left with my mother-in-law. Every 3 months, we went home so that he will get to know us and one week was not enough but we had no choice since we had only 14 days/year leave. Everyday, before and after work, we call and talk to them via messenger. Eventhough we call everyday, physical presence is still different. When he was growing older and everytime we came home, he was aloof. It pained me so much but I had to accept it. I can vividly remember the first time he came to Singapore. He was turning one year old then. He cried the whole night and kept on asking for Mama. He did not sleep well. After a few fays, he became comfortable with us though sometimes he asked for Mama. I also remember the first time he was trying to call me and he pronounced it as 'Mabie'. Ma