User What are the 45 healthy breakfast to eat in Singapore and where to buy it?

Here's a list of 45 healthy breakfast options commonly found in Singapore along with suggestions on where you can buy them:

1. **Whole Grain Toast with Avocado:** Available at cafes and bakeries like Toast Box, Ya Kun Kaya Toast, and Cedele.

2. **Greek Yogurt Parfait:** You can find Greek yogurt parfait at cafes and yogurt specialty shops like Yogurtland, Yole, and Llao Llao.

3. **Oatmeal:** Instant oatmeal packets are available at supermarkets like FairPrice, Cold Storage, and Giant. You can also find oatmeal bowls at cafes like Starbucks and Coffee Bean & Tea Leaf.

4. **Smoothie Bowl:** Smoothie bowls are popular at health food cafes and juice bars like Project Acai, An Acai Affair, and Haakon Superfoods & Juice.

5. **Egg Omelette:** You can make egg omelettes at home or find them at cafes and breakfast spots like Wild Honey, Marche Movenpick, and Eggs & Berries.

6. **Muesli:** Muesli can be found at supermarkets and health food stores like FairPrice Finest, Cold Storage, and Nature's Farm.

7. **Quinoa Porridge:** Quinoa can be purchased at supermarkets like FairPrice and Cold Storage. Try cooking it at home and topping it with fruits and nuts.

8. **Chia Seed Pudding:** Chia seeds are available at supermarkets and health food stores. You can make chia seed pudding at home or find it at cafes like Grain Traders and Daily Cut.

9. **Banana Pancakes:** Whole grain pancake mixes and bananas can be found at supermarkets. Make your own pancakes at home or visit cafes like Pancake House and The Providore.

10. **Avocado Toast:** Avocado toast is available at cafes and bakeries like Joe & Dough, Common Man Coffee Roasters, and Forty Hands.

11. **Egg Muffins:** Make egg muffins at home using muffin tins or find them at cafes like Cedele and Starbucks.

12. **Fruit Salad:** You can make fruit salad at home using a variety of fruits from supermarkets or find it pre-made at salad bars in supermarkets like FairPrice Xtra and Cold Storage.

13. **Cottage Cheese with Fruit:** Cottage cheese is available at supermarkets like FairPrice and Cold Storage. Pair it with fresh fruits for a healthy breakfast.

14. **Breakfast Burrito:** Breakfast burritos can be found at Mexican restaurants like Muchachos, Guzman y Gomez, and Baja Fresh.

15. **Breakfast Wrap:** Look for breakfast wraps at cafes and fast food chains like Subway, McDonald's, and Starbucks.

16. **Tofu Scramble:** Make tofu scramble at home using tofu from supermarkets and vegetables. You can also find it at vegetarian cafes and restaurants like Real Food and Loving Hut.

17. **Acai Bowl:** Acai bowls are available at acai specialty shops like Acai Affair, Project Acai, and Haakon Superfoods & Juice.

18. **Rice Porridge (Congee):** Rice porridge can be found at hawker centers and Chinese restaurants like Zhen Zhen Porridge, Tiong Shian Porridge Centre, and Imperial Treasure Cantonese Cuisine.

19. **Egg and Avocado Sandwich:** Look for egg and avocado sandwiches at cafes and sandwich shops like Subway, Starbucks, and The Sandwich Shop.

20. **Breakfast Salad:** Breakfast salads can be found at salad bars in supermarkets like FairPrice Xtra and Cold Storage. You can also make your own at home using mixed greens, eggs, and vegetables.

21. **Peanut Butter Banana Toast:** Peanut butter and bananas are available at supermarkets like FairPrice and Cold Storage. Make your own toast at home or find it at cafes like Toast Box and Starbucks.

22. **Yogurt with Granola:** Yogurt and granola are available at supermarkets like FairPrice and Cold Storage. Pair them together for a healthy breakfast option.

23. **Frittata:** Make frittatas at home using eggs and vegetables or find them at cafes and bakeries like Cedele and Wild Honey.

24. **Veggie Breakfast Bowl:** Veggie breakfast bowls can be found at cafes and health food spots like Kitchen by Food Rebel and Real Food.

25. **Chia Seed Smoothie:** Chia seeds and fruits are available at supermarkets. Blend them together for a nutritious smoothie or find them at juice bars like Boost Juice and Juice Works.

26. **Egg Wrap:** Look for egg wraps at cafes and sandwich shops like Subway, Cedele, and Joe & Dough.

27. **Nut Butter Overnight Oats:** Nut butter and oats are available at supermarkets. Mix them together and let them sit overnight for a delicious breakfast option.

28. **Baked Oatmeal:** Make baked oatmeal at home using oats, milk, and fruits or find it at cafes and bakeries like Cedele and Joe & Dough.

29. **Breakfast Tacos:** Breakfast tacos can be found at Mexican restaurants like Muchachos and Lucha Loco.

30. **Green Smoothie:** Make green smoothies at home using spinach, kale, and fruits or find them at juice bars like Juice Works and Simply Wrapps.

31. **Egg and Veggie Stir-Fry:** Make egg and veggie stir-fry at home using eggs and vegetables from supermarkets or find it at hawker centers.

32. **Rice Paper Rolls:** Look for rice paper rolls at Vietnamese restaurants like Wrap & Roll and Mrs Pho.

33. **Breakfast Pizza:** Breakfast pizzas can be found at cafes and pizza joints like PizzaExpress and Skinny Pizza.

34. **Egg and Cheese Quesadilla:** Look for egg and cheese quesadillas at Mexican restaurants like Muchachos and Guzman y Gomez.

35. **Fruit and Nut Toast:** Fruit and nut toast can be found at cafes and bakeries like Cedele and Toast Box.

36. **Vegan Breakfast Bowl:** Vegan breakfast bowls can be found at vegan cafes and restaurants like VeganBurg and Real Food.

37. **Egg and Veggie Wrap:** Look for egg and veggie wraps at cafes and sandwich shops like Subway and Cedele.

38. **Yogurt Parfait with Nut Butter:** Look for yogurt parfaits with nut butter at cafes and yogurt specialty shops like Milk & Honey and Smitten Cafe.

39. **Breakfast Sushi:** Look for breakfast sushi at cafes and Japanese restaurants like Sushi Tei and Ichiban Boshi.

40. **Egg and Veggie Hash:** Make egg and veggie hash at home using eggs and vegetables or find it at cafes and breakfast spots like Wild Honey and Cedele.

41. **Nutty Banana Bread:** Nutty banana bread can be found at bakeries and cafes like Cedele and Toast Box.

42. **Egg and Spinach Muffins:** Look for egg and spinach muffins at cafes and bakeries like Cedele and Starbucks.

43. **Breakfast Tostadas:** Look for breakfast tostadas at Mexican restaurants like Muchachos and Guzman y Gomez.

44. **Quinoa Salad:** Look for quinoa salads at cafes and salad bars like SaladStop! and The Salad Corner.

45. **Egg and Veggie Frittata:** Look for egg and veggie frittatas at cafes and

How to do Dividend Investing in Singapore

Dividend investing in Singapore involves purchasing stocks of companies listed on the Singapore Exchange (SGX) with the objective of receiving regular dividend payments. Here are the steps to get started with dividend investing in Singapore:

1. **Educate Yourself:**

Understand the basics of dividend investing, including how dividends work, different dividend payment schedules, and factors that influence dividend payouts. Check out the www.sgx.com. From there you can check the stock screener whereby you can filter the dividend yields on every company. Take note high dividend yield does not mean it is a good company and a low dividend yield does not mean the company is not growing. There are a lot of youtube videos to check on what is dividend investing and what stocks and ETFs to go for. Always start with a small amount and as you educate yourself more and more comfortable, you can go for higher amount. 

2. **Set Investment Goals:**

Define your investment objectives, risk tolerance, and time horizon. Determine how much you can invest in dividend-paying stocks and what level of income you aim to generate from dividends. The reason is so that you only invest on the money that you do not need and take note. Investment is always for the long term as market will go up and down over the years. For my own target, i'm looking at generating $50k per year whereby it will be sufficient to cover my household expenses. The next bound i'm looking at is $100k per year whereby i can afford to invest the other $50k in other riskier assets like bit coin, antiques, collectibles and art collection or additional stocks, real estates etc. After that my next bound is $250k per year. 

3. **Open a Brokerage Account:**

Choose a reputable brokerage firm in Singapore that offers access to the SGX. Compare brokerage fees, trading platforms, research tools, and customer service to select the best option for your needs. I have 3 trading accounts, poems, tiger and Moomoo. My largest portfolio is in my poems account, follow by Moomoo and tiger. There are f

4. **Research Dividend-Paying Stocks:**

Conduct thorough research on dividend-paying stocks listed on the SGX. Look for companies with a history of consistent dividend payments, strong financial performance, and sustainable business models. Consider factors such as dividend yield, payout ratio, dividend growth, and company fundamentals. Also on the industry and whether you are familiar with it. Must understand the business model and whether the business have economic MOATS. 

5. **Diversify Your Portfolio:**

Build a diversified portfolio of dividend-paying stocks across different sectors and industries to reduce risk. Avoid concentrating too much of your investment in a single stock or sector. I make a mistake of focusing on a few stocks and right now my portfolio is down about 25%. I'm focusing on the bank stocks this year and build up my bank portfolio for this year before going for other industries like REITS. 

6. **Evaluate Dividend Metrics:**

Analyze key dividend metrics such as dividend yield (annual dividend per share divided by the stock price), dividend payout ratio (percentage of earnings paid out as dividends), and dividend growth rate. Focus on stocks with attractive dividend yields and sustainable payout ratios. One of the things i learn is that as i buy a certain stock after the research, instead of going all in. i should dollar cost averaging. Take example i want to buy DBS bank, as the price is $36, how can i ensure that i did not buy at the highest price, i will slowly dollar cost averaging for the next 12 months so over time even if the price goes up and down, my average price will still be lower than the highest point as it is impossible to time the market. 

7. **Monitor Company Performance:**

Stay informed about the financial performance and dividend policies of the companies in your portfolio. Monitor quarterly earnings reports, dividend announcements, and corporate developments that may impact dividend payments. It can also be a buying opportunity as long as the company still maintain it's economic MOAT. 

8. **Reinvest Dividends:**

Consider reinvesting dividends to compound your returns over time. Many brokerage platforms offer dividend reinvestment plans (DRIPs) that automatically reinvest dividends to purchase additional shares of the same stock. For my account in SRS, i've been investing into the S&P 500 and reinvest all the dividends that i got back. So far for the 15 months i've been investing, my portfolio has been up for 17%/ 

9. **Review and Adjust Your Portfolio:**

Regularly review your dividend portfolio to assess performance, make necessary adjustments, and rebalance holdings if needed. Reevaluate your investment goals and adjust your strategy accordingly. Definitely need to review to see which industry to keep a balance. Currently i'm building my portfolio based on industries. Banking, Telecommunications, Reits, Consumer, Technology, Waste management. I'm adjusting my portfolio as i progress. This year i'm going to increase my percentage for Banks to go up to at least 30% of my portfolio. 

10. **Stay Patient and Disciplined:**

 Dividend investing requires patience and discipline. Stay focused on your long-term investment objectives, avoid emotional decision-making, and be prepared to ride out market fluctuations. Nobody would want to see the portfolio goes down but this will happen. Just need to have conviction as long as the company do not go bust. 

By following these steps and maintaining a disciplined approach to dividend investing, you can build a portfolio of dividend-paying stocks that generate regular income and contribute to long-term wealth accumulation.

50 Savings Hacks for Singapore

Here's a list of 50 savings hacks tailored for Singapore:

1. **Track your expenses:** Use apps like Seedly or Money Lover to track where your money is going.

2. **Set a budget:** Allocate fixed amounts for different categories like groceries, dining out, entertainment, etc.

3. **Use public transport:** Utilize Singapore's efficient public transportation system instead of relying on taxis or private cars.

4. **Cook at home:** Eating out can be expensive. Cook meals at home and pack lunch for work.

5. **Buy in bulk:** Purchase non-perishable items in bulk to take advantage of discounts.

6. **Use cashback and rewards credit cards:** Look for credit cards that offer cashback or rewards for your everyday expenses.

7. **Comparison shop:** Compare prices online and in-store before making a purchase to ensure you're getting the best deal.

8. **Leverage loyalty programs:** Sign up for loyalty programs at your favorite stores to earn points and discounts.

9. **Opt for generic brands:** Generic brands often offer similar quality at a lower price compared to name brands.

10. **Cancel unused subscriptions:** Review your subscriptions regularly and cancel those you no longer use or need.

11. **Utilize free activities:** Explore free attractions and activities in Singapore like parks, museums, and cultural events.

12. **DIY maintenance:** Learn basic maintenance tasks like changing light bulbs or fixing leaky faucets to save on repair costs.

13. **Reduce energy consumption:** Turn off lights and appliances when not in use, and switch to energy-efficient appliances.

14. **Use coupons and vouchers:** Look for coupons and vouchers online or in newspapers to save on groceries and dining.

15. **Sell unused items:** Declutter your home and sell items you no longer need on platforms like Carousell or Facebook Marketplace.

16. **Host potluck dinners:** Instead of dining out with friends, host potluck dinners where everyone brings a dish to share.

17. **Utilize free Wi-Fi:** Save on data charges by using free Wi-Fi available at many cafes, libraries, and public spaces.

18. **Refinance loans:** Consider refinancing loans like your mortgage or car loan to take advantage of lower interest rates.

19. **Negotiate bills:** Negotiate with service providers like your internet or cable company to get better rates.

20. **Carpool:** Share rides with colleagues or friends when commuting to save on transportation costs.

21. **Grow your own herbs:** Start a small herb garden at home to save money on buying herbs for cooking.

22. **Unplug electronics:** Unplug chargers and electronic devices when not in use to save on electricity bills.

23. **Buy pre-owned items:** Purchase pre-owned items like furniture or electronics to save money.

24. **Use reusable bags:** Bring your own reusable bags when shopping to avoid having to pay for plastic bags.

25. **Plan meals:** Plan your meals for the week and make a grocery list to avoid impulse purchases.

26. **Opt for no-frills gym:** Choose a no-frills gym membership instead of more expensive options.

27. **DIY gifts:** Make homemade gifts for birthdays and holidays instead of buying expensive ones.

28. **Use the library:** Borrow books, movies, and music from the library instead of buying them.

29. **Buy during sales:** Take advantage of sales events like the Great Singapore Sale to purchase items at discounted prices.

30. **Utilize free resources:** Take advantage of free resources like online courses and tutorials instead of paying for classes.

31. **Rent out unused space:** Rent out a spare room or parking space to generate extra income.

32. **Pack snacks:** Bring your own snacks and drinks when going out to avoid expensive convenience store purchases.

33. **Opt for DIY beauty treatments:** Do your own manicures, pedicures, and hair treatments instead of going to a salon.

34. **Take advantage of cashback apps:** Use cashback apps like ShopBack to earn cashback on your online purchases.

35. **Use public Wi-Fi:** Save on mobile data usage by using public Wi-Fi whenever possible.

36. **Avoid impulse purchases:** Wait 24 hours before making a purchase to see if you really need it.

37. **Use discount codes:** Look for discount codes online before making online purchases.

38. **Buy in off-peak hours:** Purchase groceries and other items during off-peak hours to take advantage of discounts.

39. **DIY home repairs:** Learn how to do basic home repairs like painting or fixing a leaky faucet instead of hiring professionals.

40. **Use a programmable thermostat:** Save on electricity bills by using a programmable thermostat to regulate your home's temperature.

41. **Opt for staycations:** Instead of traveling abroad, consider taking a staycation in Singapore to save on travel costs.

42. **Shop at local markets:** Purchase fruits, vegetables, and seafood at local markets instead of supermarkets for better prices.

43. **Cancel unused memberships:** Review your memberships and subscriptions regularly and cancel those you no longer use.

44. **Use public amenities:** Take advantage of public amenities like BBQ pits and swimming pools instead of paying for private facilities.

45. **Take advantage of free events:** Attend free events and festivals in Singapore for entertainment instead of paying for tickets.

46. **Barter services:** Exchange services with friends or neighbors instead of paying for them.

47. **Use free financial tools:** Take advantage of free financial tools like budgeting apps and calculators to manage your finances.

48. **Shop at outlet malls:** Visit outlet malls for discounted prices on branded items.

49. **Avoid ATM fees:** Use ATMs affiliated with your bank to avoid paying ATM fees.

50. **Plan vacations in advance:** Book flights and accommodations well in advance to take advantage of early bird discounts.