It is never too late to start.

My net worth was -$25,755 when I was 30 years old.
Eventually made it to 7-figures 😉 https://www.turtleinvestor.net/my-net-worth-is-7-figure-and-im-ok-with-it-2021/

My simple 3 credit cards strategy to earn 100,000 air miles in 2023
https://www.turtleinvestor.net/my-simple-credit-cards-strategy-continuing-into-2023/

Singapore broadcasters charged an early bird price of $98 and a normal price of $118 to watch the FIFA World Cup 2012.

Price for one month of VPN subscription? $12.95

Knowledge is power, and information is value.

Finally got my hands on a @Trezor and it has met my expectations of what a hardware wallet should be – simple and effective.

The Trezor Model One packaging is protected by two silver seals on both sides and is wrapped in a thin plastic foil.

The package is carefully sealed with a strong glue, which makes it impossible to open the package without tearing it apart. I had to use a pair of scissors.

Installed firmware from the official website via the Trezor Suite for Web.

One key point to note is that all Trezor devices are shipped without firmware installed and installation is only done during the setup process – this is to ensure that the Trezor isn’t tampered with.

Took a minute or two for the firmware to be installed successfully.

Wallet creation involves entropy (means randomness), and the unique seed phrase is made up of words from the 2048 word list.

Keep this safe.

Another safety feature : Trezor automatically wipes itself after 16 unsuccessful PIN attempts (vs 3 attempts for the Ledger).

At this point, I would wipe my Trezor (!) and go through the process of restoring my wallet using my seed phrase.

After all the time and effort spent, the last thing we want is to repeat the whole process – but you’ll be surprised by how much simpler it is the 2nd time we do it.

Interactions with Decentralized Finance (DeFi) requires the presence of a wallet such as MetaMask.

MetaMask simply works as an interface to bridge the gap between DeFi apps and my Trezor, but key point is that the private keys never leave my Trezor.

It is important to stress that we should not be mistakenly associated with a false sense of security just because we are using a hardware wallet.

Importantly, a hardware wallet creates a separate layer of scrutiny prior to physically pressing a button to confirm a transaction.

Simple is underrated -
There is a lot less likelihood of something going wrong.

Bonus -
The screen on the Trezor One isn’t huge but it’s larger than what Ledger Nano S has. Due to this difference, public addresses of crypto wallets fits entirely on the Trezor One display!

@bitcoinwalletsg (Authorized Reseller of Trezor) offered me a chance to try out the Trezor and they are giving away a free Trezor One worth $129.90 plus an exclusive 5% discount code.

I wrote a super detailed 2,500 words blog post on Trezor One.
https://www.turtleinvestor.net/i-review-the-trezor-one-hardware-wallet-and-show-you-how-to-use-it-with-metamask/

I Review The Trezor One Hardware Wallet And Show You How To Use It With MetaMask

Free @udemy Business access to tonnes of courses online worth thousands of dollars, if you have a @nlbsingapore membership.

Start learning today 💪🏻
https://www.turtleinvestor.net/free-access-udemy-business-national-library-board-nlb/

As if saving $237 each year for free Straits Times and Business Times wasn’t enough, today I am giving away yet another pro-tip regarding this exclusive benefit of National Library Board (NLB) membership that will save your thousands of dollars a year.

It might be your first time hearing about Udemy and in simply terms, Udemy is an online learning platform that offers a wide variety of courses on various topics, such as business, technology, and personal development. 

The main difference between Udemy Business vs the http://Udemy.com (individual subscription) is that Udemy Business is selectively curated by Udemy’s curation team with selection criteria such as high learner satisfaction, instructor reputation, and market demand.

In order to access Udemy Business on NLB, follow the three simple steps –

1. Sign up as NLB members
2. Log in to NLB
3. Go to NLB eResources : Udemy Business

https://eresources.nlb.gov.sg/elearn 

Quick note - there are different types of memberships:

1. Singaporeans get them for free (yay)
2. PRs need to pay a one-time registration fee of S$10.50
3. Foreigners need to pay a one-time registration fee of S$10.50 and S$42.80 annual fee

I hope you've found this thread helpful.
Follow me @turtle_investor for more.

Like/Retweet the first tweet below if you can:
https://twitter.com/turtle_investor/status/1602121104986107905

Free Access To Udemy Business For Via National Library Board (NLB)

“Sedikit sedikit, lama lama, menjadi bukit.”

An Indonesian or Malaysian proverb which roughly translates to, 'Little by little, with time, it becomes a hill.'

Persevere. Don't give up.
https://twitter.com/turtle_investor/status/1601173212229881856

Interesting things that I've read plus some personal finance blogs that you don't want to miss out on
https://www.turtleinvestor.net/noteworthy-things-ive-read-in-the-past-week-5th-dec-2022/

Curious on how the Singapore REITs market is doing? Here's how to do a quick pulse-check in mere seconds
https://www.turtleinvestor.net/how-to-do-a-quick-pulse-check-for-iedge-s-reit-leaders-index-easily/

Anyone ever told you that the iEdge S-REITs Leaders Index is like a Temasek+Frasers REITs ETF in diguise?
https://www.turtleinvestor.net/syfe-reit-iedge-s-reits-leaders-index-is-kind-of-like-a-temasek-85-frasers-15-reits-etf/

Just because I write about REITs doesn't mean I know when is a good time to buy them.

Although low interest rates have provided good returns for REITs in the last 10 years, it is likely that rates will remain high in 2023 - meaning potentially more headwinds and sideways action.

No idea how to get more information on upcoming Fed rates? Use this Fed Rate Monitoring Tool to give you better insights.
https://www.investing.com/central-banks/fed-rate-monitor