Author: Seedly

To Meet Basic Needs Upon Retiring, Here’s How Much You Need To Save

How Much You Need Per Month For Basic Needs? Singaporeans who are not planning to settle down, do take note. It is actually more expensive to stay single. According to Lee Kuan Yew School of Public Policy’s latest finding, here’s how much a household needs to meet their basic needs: Demographic of household How much you need for basic needs Single elderly household $1,379 per month Coupled elderly household $2,351 per month Single person (aged 55 – 64 years old) $1,721 per month source: Lee Kuan Yew School of Public Policy To break this down even further, here’s a...

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How to Read Financial Ratios: P/B and P/E Ratio & Liquidity Ratios

You may have read our guide to How To Analyse A Stock. Or you may have read our Stocks Discussions and see the terms P/B and P/E ratios. But what are they, and what do they show? Don’t fret, for we will explain it below. In this post, we will continue with the second part of the must-know financial ratios to analyse a stock, using Starhub Limited’s financials as an example. If you haven’t read the first part, you can check it out here. Disclaimer: This post may get pretty technical, but we will try to break it down...

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Need A New HDB Flat Fast? You Can Now Book Unsold Balance Flats Any Time!

Need a new HDB flat fast? You can now book one the next day with the enhanced Re-Offer of Balance Flats (ROF) scheme, which makes unsold flats from previous sale exercises available for booking any time. Previously, these unsold Build-to-Order (BTO) HDB flats were only available during semi-annual sales exercises. Disclaimer: This is not a sponsored post. Opinions expressed in the article by the author should not be taken as investment advice. Please do your own research and due diligence. Source: PropertyGuru Starting 11 June 2019, home buyers looking to purchase an unsold flat from the Housing and Development...

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9 Affordable Freshly Shucked Oyster Restaurants In Singapore

$1 per oyster?! Count me in! And if the usual fine print of “Consuming high amounts of raw seafood increases your chance of contracting sea-borne diseases” does not faze you, then this is the perfect article for you. We have pulled together some of Singapore’s finest oyster bars starting from just $1 per oyster so you can wine and dine and slurp oysters without feeling the pinch. Restaurant/Bar Price/Oyster(w/ GST) Promotions When Angie’s Oyster Bar $1 ($1.17) Happy Hour 6 – 8pm, Mon – Sat db Bistro & Oyster Bar $3.33 ($20 for half dozen) 50% off Oysters 3...

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Singtel Vs Starhub: Which Stock Is The Better Buy?

With M1 Ltd already privatised, Singapore Telecommunications Limited (SGX: Z74), or Singtel for short, and StarHub Ltd (SGX: CC3) are the two remaining telco companies listed in Singapore. For investors interested in the telco space, which of the two outfits would be the better buy? Let’s find out. Disclaimer: This is not a sponsored post. Opinions expressed in the article by the author should not be taken as investment advice. Please do your own research and due diligence. Scanning The Businesses Singtel is the largest telco in Singapore with a 49% mobile market share, which works out to 4.1 million customers (as of...

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How to Read Financial Ratios: Is Starhub A Bargain?

You may have read our guide to How To Analyse A Stock, and now you know what the numbers mean. But how do you analyse them? Here, we will show you the must-know financial ratios to analyse a stock, using Starhub Limited’s financials as an example. Disclaimer: This post may get pretty technical, but we will try to break it down into digestible pieces! Shareholder Returns When you buy a share, your returns will come from two places. Share price Dividends Total Shareholder Returns = Increase in share price + Dividends over the same period Dividend Ratios Dividend yield...

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8 Things I Learnt From The 2019 BreadTalk AGM

Source: BreadTalk A couple of years ago, I wrote that BreadTalk (SGX: CTN) aimed to achieve a net profit margin of 8% by 2020. Yet so far, its net profit margin (2.1% in FY2018) is still far below its intended target. This prompted a shareholder at this year’s AGM to ask the management whether their target still remained valid. The answer was ‘yes’. But the bad news is that BreadTalk only has two years left to hit its target. Can they really achieve it? It looks like a far-fetched goal at this point in time. But I gained a few...

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What Happens To Your CPF When You Pass Away?

Most coffeeshop conversations about the Central Provident Fund (CPF) are laiden with negative vibes. This is even more apparent when it icomes close to the general elections date. With the advancement of social media and messaging apps like WhatsApp, inaccurate information can spread like wildfire with little validation and consequences. I chanced upon one of those “fake news” on social media: ” Everybody please note that when we kick the bucket, all our balanced CPF money will not be automatically deposited into our nominated Next-of-kin’s bank account in cash. CPF board will instead send all your balanced CPF money...

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Singaporean’s Guide To Cost Of Hospitalisation Treatment: Which Hospital Is The Cheapest?

Chemotherapy MEH Day Surgery 1.0 2,047 3,797 4,695 Chemotherapy NUH Day Surgery (Subsidised) 1.0 48 50 52 Chemotherapy TTSH Ward B2 1.0 434 3,355 4,085 Heart, Coronary Disease, Coronary Artery Bypass Graft (Open) NUH Ward C 13.0 5,672 6,424 7,213 Heart, Coronary Disease, Coronary Artery Bypass Graft (Open) NHC Ward C 12.3 5,469 6,353 7,834 Heart, Coronary Disease, Coronary Artery Bypass Graft (Open) NUH Ward B2 11.0 7,706 8,633 10,326 Heart, Coronary Disease, Coronary Artery Bypass Graft (Open) NHC Ward B2 10.3 7,920 8,658 9,941 Heart, Coronary Disease, Coronary Artery Bypass Graft (Open) NUH Ward C 9.2 5,380 5,769...

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Jewel Changi Airport Canopy Park Price List: Is It Worth Going To Jewel Again?

So you’ve tried the burgers at Shake Shack and braved the snaking lines for a taste of A&W’s root beers and curly fries. You’ve also experienced what it’s like to be packed like a can of sardines at the HSBC Rain Vortex just so you can get one for the Gram. Picture this: Source: Jewel Changi Airport Only with 5 thousand other people’s heads obscuring your view, of course. And just when you think you’re done with Jewel Changi Airport… Guess what? The Canopy Park at the top floor just opened its doors to the public on 10 Jun...

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2 Billion-Dollar REITs Yielding Above 6%

When we think about real estate investment trusts (REITs), we think about the income or yield that they give us as investors. However, what may be just as important is how large these REITs are in terms of their market capitalisation, or market cap. REITs with larger market caps, on the whole, tend to be safer than smaller REITs – which is why smaller REITs can sometimes have higher yields. With that in mind, here are the two highest-yielding REITs in Singapore that have a market cap of at least S$1 billion. Disclaimer: This is not a sponsored post....

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How To Read Seedly Chicken Rice Limited’s Cash Flow Statement

So… You’ve figured out how to read an income statement and a company’s balance sheet. If you’re reading this article now, well… good for you! You’re that much closer to understanding how to go about investing in a company. In this third part of the series of ‘How To Analyse A Stock‘, we’ll show you the basics of the cash flow statement. Disclaimer: we’re not experts but we just want to share the little that we know in hopes that it’ll help you to take the first steps in your investing journey and maybe even spark conversation in our...

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ShopBack GO: How To Convert Any Debit Or Credit Card Into An F&B Cashback Machine

Most of us financially-savvy community members would already be using either a debit card or a credit card in our daily spend to truly maximise our savings either through cashback or miles earned. If you are an average Singaporean who eats out at least once a week at any of Singapore’s plethora of malls or restaurants, then you’ll definitely want to read on to find out how you can turn your debit or credit card into an F&B cashback machine! Because here at Seedly, we’re all about saving even while we spend (a little ironic, but hey, we want...

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What’s So Good About The Merdeka Generation Package?

For those who have received a notification in April 2019, you would have been notified that June is the month where the Merdeka Generation Card is given out to you. We can feel your excitement and hence, this article to find out what are the benefits of the Merdeka Generation Package. TL;DR – What’s So Good About The Merdeka Generation Package Who Is Eligible For The Merdeka Generation Package Are you or your loved ones eligible for the Merdeka Generation Package? Here are the criteria to qualify for the goodies! If you meet all of these criteria, you qualify...

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“My Dad Was A Victim Of An Aggressive Sales Tactic.” Here’s What We Can Do To Protect Our Loved Ones.

My Dad Thought He Was There To Upgrade His Bank Account… Having published an Email from our community with regards to sales tactics deployed by Bancassurance Specialists in December 2018, it did not take long before we received another of such incident. We sat down with the Community member and his father over coffee, to understand the full story. We also managed to get the full permission to publish their story to help average Singaporeans should they be met with the same situation. To have a deeper understanding of why certain actions were taken, we interviewed a few community...

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