Author: Seedly

Working Adult: Putting Your Money Into Fixed Deposit, Which Is The Best?

Beating inflation is not as difficult as it sounds if you understand some of the investment products available. The core inflation in Singapore is at 1.9% (average for the past 10 years), but banks are giving out interest for as low as 0.05% for your deposits and savings. So here’s the deal… Most of our parents or Singaporeans would have received a phone call from their banks to be recommended a fixed deposit should there be a substantial amount of savings. While bank offers you liquidity for your deposit at a lower interest rate or you can choose to...

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Travel Hacks Compilation: 7 Hacks for Frequent Travelers

Have a lot of travels lined up for you this year? Whether it’s for a vacation or business travel, there’s definitely plenty to look forward to when you head overseas. However, it’s undeniable that travel comes with its inconveniences and discomforts, from packing for the trip to adjusting to the jet lag to overcoming language barriers. Here are seven hacks to help you overcome these, and to maximise what you get out of each overseas trip. Happy traveling! ‘Automating’ your packing Do you find yourself having to come up with a packing list each time you have an upcoming...

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The Ultimate Comparison: Is Lasik Worth The Money

According to an article from TODAY, at least five million people in Singapore will have myopia by 2050. This certainly doesn’t come as a surprise as many of us do have vision problems in varying degrees. As Lasik, otherwise known as Laser Corrective Treatment surgery has become more and more convenient and popular these days, let’s evaluate whether it is truly worth it to pay more for this (possibly) lifetime investment. TLDR; Comparison between Lasik, Contact Lenses and Spectacles   Lasik Surgery Contact Lens Spectacles Price (10 Years) $3,600 – $$6000 $8,124 – $10,000 $1,500 – $5000 Risk High...

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Most Value for Money Breakfast Meal Comparison

< BACK TO MAIN BLOG 20th June 2018 Turning finance into boba-sized pieces. One iced milk boba tea, please! You can contribute your thoughts like Cherie here. Still in the McGriddles frenzy? Or never understood it, just wanted to grab a quick breakfast and go to work/ school? Fast food restaurants provide decent breakfast meals at decent prices, although I would not recommend eating them every day because: It is fattening. It is cumulatively expensive. Imagine spending $5 on breakfast every weekday morning, that’s $100/month.With that, you can actually invest that amount every month instead. Which Fast Food Restaurant...

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Is It Better To Make Less Money?

Now, before you scream and call me crazy, this may actually be something worth pondering about. Wanting to make a lot of money clearly makes sense. Everyone wants to be a Millionaire and more. No doubt we want to live comfortably without a care about money and enjoy the finer things in life with our loved ones. But, what if you were in the middle? Not earning little enough to get subsidies or tax-exemptions, but also not earning enough to feel like you can lead a comfortable life. Then, does it also make sense to be wary of taking...

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What Happens After Your Insurance Agent Leaves (Pang Seh!) The Industry Or Agency?

Most consumers are promised the utmost commitment (sometimes, the Sun and the Moon) while taking up a policy with an agent, but was only served a letter when the agent leaves. Before you sign up for a policy: When the agent leaves: If that ever happens to you, this is what the fate of your policies look like. Spoiler alert: Ultimately, the consumer loses. Editor’s Note: This article is written after my agent left without a single text. Was notified through a postage mail from the insurance company. It...

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Cheat Sheet: What Are The Common Investment Products in Singapore?

Passionate about helping people make smarter financial decisions. You can contribute your thoughts like Kenneth here. “I Am Not Financially Trained” – Everyday Singaporean Many Singaporeans often confuse personal finance with professional finance like trading, complicated charts, and rough excel sheets. But to us, Personal finance running parallel to your daily life. Hence, it would be wise to understand basic investments. This article serves as a simple guide for you to understand the basics of the different investment products in the market and you can follow a simple guide to easily get started. TL;DR: You Don’t Need To Be A...

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What Did Our Dads Teach Us About Money – Happy Fathers’ Day

Ah, it feels like every other day, not because we don’t love our fathers enough but more so because our fathers are nonchalent about it. Should we or should we not celebrate Fathers’ day then? At Seedly, we have gathered a bunch of Grammy-worthy dad advice on personal finance, especially the ones that he unknowingly blurt out that make headlines on our social media or as mantra in our lives. The Wise Fathers Fathers would always want to portray a certain kind of image to maintain that non-existent hierarchy in the family but we all know it is to give...

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8 Daiso Items That Are Totally Worth Every Cents: Based On Real Community Reviews

I made my first trip to Daiso 6 years ago when I just moved out to live on my own. During this time, there were tons of stuffs that I needed to buy. That’s when a senior of mine recommended, “Go to Daiso la! You’ll find everything at $2.” Curious to find out, I decided to see for myself. Honest opinion? It was like walking in a magical wonderland where you just wanted to grab everything (and you didn’t even bother to look at the price tag!) For just $2, you can get various items, from toiletries, kitchenware, to Japanese...

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Grants for Your Dream to Start a Business – Be Your Own Boss!

Ever had a dream to save the world but woke up disappointed realising that you are not Batman? In Singapore, there are many ways to find your Batman to help you achieve your dreams – on being your own boss! Being one of the best place to start a business, there are many available government schemes in Singapore to help new businesses with funding, the main conditions for the entrepreneur to fulfill to be eligible for such fundings is: Singaporean/PR The company has to be based in Singapore Have a minimum of 30% local shareholding Editor’s Note: This is not a...

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How much does it cost to get Singapore into the world cup?

Imagine waking up one day to see Singapore in the FIFA World Cup and go on to win it. That feeling will be comparable to when Joseph Schooling clinched the gold medal at the 2016 Olympics. TL;DR – Living the Singapore World Cup dream Assuming positive monetary input produces positive results, Singapore will need to pump in an additional S$289 million into football to win the World Cup! Singapore’s players are drawing less than S$3,000 per month while players in Premier League on average draws S$286,666 per month. Across the border, players in the Malaysian Super League are paid...

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Singapore Renovation Loans Comparison

< BACK TO MAIN BLOG 13th June 2018 Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. The BTO quarterly launch has just passed in May last month. Following that comes money worries like whether you have enough money to hold a wedding if you plan on taking up mortgage loans, HDB loans or Bank loans, and even renovation loans. By now we should all know that planning to buy a house isn’t that simple. Previously on our Facebook Live about getting your first property in Singapore, we talked...

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How Much Does Ultra Music Festival (UMF) Makes?

Ultra Music Festival (UMF) is just around the corner and we can no longer contain our excitement. Personally, I am a big sucker for artiste such as Above & Beyond, and there was little consideration when they are part of this year’s lineup. If you have no idea who Above & Beyond are, here you go: [embedded content] My attempt to catch my favourite DJs in action costs me S$179.50 (including S$2.50 worth of fees). How much revenue does Ultra Music Festival (UMF) Make? Looking back at the numbers from the year 2017, we are quite surprised that Ultra...

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5 Dirty Things Shops Do: Pricing Tactics

At Seedly, we love to share ways to help you make smarter personal finance choices. Here in this article, we will be sharing with you 5 dirty pricing tactics that shops do with that we unknowingly (sometimes also willingly) fall for. This article should make you more aware of such pricing tactics to prevent you from falling into their trap. These are actually psychological pricing tactics. What is Psychological Pricing? It is a tactic commonly used targeting consumers who react to prices with emotions than logically. Basically, using your heart to think instead of using your brain. This aims to make...

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The World Of Luxury Banking

For the crazy rich, all that glitters is gold. “Private banking” brands the elite and nothing screams affluence more than having an account with UBS. Why do we need to know all of this? I guess we don’t, but sometimes we can’t help but to be a bit kaypoh. Plus you never know, you may strike 4D one day. The Singaporean median household income is $8,846. 12.4% of these are households who earn $20,000 and above a month. That’s a sizeable percentage considering our 5.61 Million large population today. To qualify for private priority banking and not just priority banking, it takes at...

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