Author: Seedly

Introducing SEED Token: A Personal Finance Network On The Blockchain

For the past 2 years, we’ve been creating a Personal finance platform which includes our budgeting app, reviews, blog and community in one. Our core mission has been helping people make smarter financial decisions, which is core to success in your personal life. Personal finance knowledge sharing should be decentralised SEED Network: An incentivised, blockchain-based, open content creation & sharing platform SEED is a blockchain-based network that supports community building and social engagement with cryptocurrency rewards in the personal finance domain. Building on what we have learnt in nurturing strong meaningful communities contributing relevant data and knowledge in a open eco-system....

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10 Hipster Hawker Centres In Singapore: Based On Real User Reviews

It’s the long weekend! That means more time freed up for you to explore the many interesting food places in Singapore. Well, even if you were the most unadventurous person out there, you would surely do at least these two things: Eat and sleep, and this article’s all about eating! Fancy English cafes with those Eggs Benedict have had their glory in the foodie scene the past couple of years. But what Singaporeans define as cool nowadays seem to have something to do with originality and novelty. By this, I mean reinventing the Singaporean Hawker Culture, making original renditions...

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Your 5 Minutes Guide to CPF

What Is CPF? Young or old, CPF is important to you as it concerns your pay contributions and future benefits. Firstly, a quick lookup on CPF will lead you to the definition that The Central Provident Fund (CPF) is a comprehensive social security savings plan implemented by the government, compulsory for all Singaporeans. In short, CPF is implemented to ensure that Singaporeans save up the important things — retirement, housing, and healthcare. Let’s face it, way more Singaporeans believe that they are disciplined enough to save up for retirement, but not many actually manage to do so. CPF Contribution And Allocation Rate: Below Age...

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Best Things To Do In Johor Bahru: Based On Real User Reviews

What lifestyle choices you make directly affect your personal finance. This is why the what we spend on the fun stuff is so important too! A question was posted on the Smarter Way Page about what to do on a day-trip to nearby Johor Bahru, and our very smart community of Lobang Kings and Queens have recommended aplenty. Here’s a compiled list of the mass of recommendations by members on our Facebook Community Page. Nothing beats real-life reviews! TL;DR – 10 Things You Can’t Miss On Your Day Trip To JB Check out some of the best recommendations on food...

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What Does Million Dollar Round Table (MDRT) Really Mean To The General Public?

Million Dollar Round Table (MDRT) Financial agents are telling us that they are Million Dollar Round Table member as if they won the Oscars Award. In all honesty, most consumers would really love to share the joy, but we have little idea of what this decoration really means. With insurance being an important part of personal finance, we break down what goes on behind attaining MDRT and the hype around it. What does it take for financial advisors and insurance agent to be MDRT member? Founded in 1927, the Million Dollar Round Table (MDRT) is a global and independent...

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Best Dim Sum Restaurants In Singapore: Based On Real User Reviews

Have you heard? Seedly collaborated with ShopBack to run a Smarter Way Community. In the community, there are tons of recommendation on lifestyle choices and products. With good lifestyle choices being a subset of personal finance, we decide to compile them into a list for you. The below are suggested by community members in the Smarter Way Community, which further increases the credibility of them. TL;DR – These 10, Are The Best Places To Have Dim Sum We check out some of the best places to go for dim sum as recommended by the Smarter Way Community. 126 Dim...

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What I Learnt From Going Cashless For A Week

Reminder: We don’t do sponsored posts A year on from the whole cashless craze in 2017,  we decided to revisit the topic to see if our society has really progressed as it set out to. So, I went on a week-long cashless challenge to see if it is really possible to live a cash-free week easily in Singapore. Starting the week not bringing my wallet out, with only a credit card slot into the back of my phone cover, I felt a tiny bit insecure. There’s something about having cold hard cash in your pocket that makes you feel...

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4 Quick Ways To Improve Your Income

< BACK TO MAIN BLOG 25th March 2018 You can contribute your thoughts like Guest here. Living in Singapore is expensive, we all know that. After struggling through that Economics module a long time ago, one of my very few takeaways is that there are two ways to make it more affordable. One can either find means to increase his income or make things cheaper (if that is even possible). Well, the latter is only possible if you move to Malaysia, hence, we are pretty much left with trying to improve our own income. While making more money is...

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Fines In Singapore: The Cost Of Breaking Everyday Rules

< BACK TO MAIN BLOG 24th March 2018 Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. The worst way to lose money is probably through fines. Be it a careless mistake or a reckless moment, there is zero possibility of getting your money back. To protect your pockets from silly mistakes, here are the most common everyday fines in Singapore you need to be aware of: Public Transport MRT Train- $500 Many sagas of eating on trains have made it onto the Straits Times the past couple of...

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The Ultimate Comparison: Which Electricity Retailer Is The Cheapest In Singapore?

Ultimately Singaporeans will get cheaper electrical bills Starting 1st April 2018, 108,000 households and 9,500 business in Jurong will get the chance to choose an electricity retailer that best suits their needs. Average electricity usage has a declining trend since last year. There are a total of 14 players and 3 most distinct types of price plans available. For Fixed Price Plan: Keppel Electric is the cheapest across all 6 months, 1 year and 2 years contract. Ohm Electricity has a No Contract Plan for this category. For Discount Off Tariff Plan: iSwitch is the cheapest for 6 months...

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What A Calendar Should Look Like, If You Care About Your Personal Finance

Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. Important Dates That Concern Your Finances Don’t we all sometimes wish Calender templates didn’t just come with public holidays, but also important dates like when we should file our taxes when common sales dates are, and most importantly, a reminder not to forget when Mothers’ day is? Well, we compiled a little something that could serve as a useful reminder to everyone to keep track of your life as well as important dates that concern your finances.   Here’s a...

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Unconventional Jobs in Singapore That Surprisingly Pay Well

Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. Time to hand in that resignation letter. The occasional lack of excitement in your nine-to-five work life may get you thinking what if you switched your life around, and did something more fun instead. Realistically, you’ll never do that, because ‘fun’ usually doesn’t pay. So, we did a little research and found some unconventional jobs that won’t bore you out, with a surprisingly decent pay cheque. Here’s a list of jobs you never thought could actually earn so much. Thank...

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The Ultimate Checklist: How To Choose The Right Exchange Traded Fund (ETF) To Invest In?

If you have been following enough financial bloggers and Seedly Personal Finance Community, the term ETF should ring a bell. ETF stands for Exchange Traded Fund, and was designed for passive investors. Editor’s Note: If you are not following either of the mentioned, it is not too late to start. Investing in ETFs will be like getting “cai png”. It is affordable, offers a variety of ingredient and taste in one plate, and fills your tummy. Credit: Eatbook.sg What is an Exchange Traded Fund (ETF)? Unlike a mutual fund, an ETF is a passively managed investment fund which is...

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6 Calculators That Help Singaporeans Live Longer (By Taking Away The Stress In Personal Finance)

Not everyone is born with a good inherent “number sense”, which explains why some of us are failing Math since god knows when while some of us ACE it with little effort.  While most Asian parents are not buying that excuse, it is scientifically proven that some people are just born to be good at Math. If you are the kind that cannot count beyond your fingers and toes, personal finance will be a huge challenge with all the calculation involved. Fret not, all hope is not lost to those who dream (or who chanced upon this article on...

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3 Amazing Ideas That Can Make The Future Cheaper And Better

This weekend, let us dream a little bigger. With all this brain and talent in the world, cloning animals have been made possible and robots now serve you drinks at some cafes in China. It is certainly not a stretch to think that innovative ideas in the future can potentially make living cheaper with the correct distribution of resources and new technology. Here are 5 ideas we think can potentially change the way we live and save our wallets in the long run as well: 1. Community Fridges Already happening in many western countries around the world, community fridges...

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