Author: Seedly

Student Exchange Insurance Plans: Should I Add-On To My School’s Insurance?

Regardless of what your friends tell you, it’s compulsory to get travel insurance for your school exchange programme or overseas internship. We simply cannot emphasise the importance of travel insurance enough. Why? Think of it this way: You’re going to be away from home for a long while. And you’re excited to finally be able to escape your mom’s incessant nagging and have all the fun you want in a foreign land… BUT REALITY CHECK.  You have to learn how to take care of yourself when things aren’t so smooth sailing – like what if your washing machine is down?...

Read More

Ultimate Singaporean’s Guide to CHAS Card Singapore 2019

As more Singaporeans enter their senior years, healthcare needs will grow. Major changes have been made in healthcare to make it more affordable, accessible, and comprehensive. Community Health Assist Scheme (CHAS) subsidies for GP clinics will be enhanced in three ways: Extended to cover ALL Singaporeans for chronic conditions, regardless of income Lower to middle-income Singaporeans who are CHAS Orange cardholders will also receive subsidies for common illnesses Increased subsidies for complex chronic conditions Note: Updated as of 15 April 2019 with the updated information from Budget 2019 TL;DR – A Singaporean’s guide to CHAS card and all its subsidies As announced...

Read More

Choosing An Electricity Retailer? Here’s What They’re NOT Telling You

“By the way, how much are we paying for electricity?” asked the wife recently, while I was looking through our mail. I picked out the utility bill and handed it to her, “Nah.” “What! We’re paying $100+ every month?! So ex, sia… My friend is only paying $60 a month leh.” “Maybe it’s because she’s not sleeping in air-conditioned comfort every…” “I think she switched to one of those electricity retailers on the Open Electricity Market,” quipped the wife while completely ignoring what I said. She added, “Maybe we should do that too! WE just need to find the cheapest...

Read More

Why Value Investing and Discounted Shopping Have a Lot in Common

Value investing is defined as investing in stocks that are available at a sort of a discount. A value investor buys stocks that are trading at less than their intrinsic value. Similar to discounted shopping – it’s about knowing what to buy, and bargain hunting for the best deals! Value Investing In Basic Terms: Buy LOW and Sell HIGH? Fresh out of a Dividend Machine course by the Fifth Person, here’s what I gather about their take on Value Investing: Buy stocks like you buy things on discount It’s a marathon not a sprint FOMO is a thing, even...

Read More

Prenuptial Agreements: Love Doesn’t Last, Prenups Do

Prenuptial agreements, or prenups, are premarital agreements that couples make to determine what will happen to their possessions such as assets and debts should they, unfortunately, file for divorce. Romantic? Not at all. Practical? Most definitely. And let’s be real. Nothing lasts forever. Not even true love. So what’s the point of getting married if you already have the preconceived notion of separating in the future? The point here is understanding that anyone and anything can change in a heartbeat. Feelings aside, here’s how you can protect yourself and your possessions in the case of a divorce. And yes,...

Read More

5 Things To Know About SBS Transit Ltd (SGX: S61) Before You Invest

For our Morning Stocks Analysis, the Seedly team worked closely with SmallCapAsia, who is an expert in the field, to curate unbiased, non-sponsored content to add value back to our readers. Disclaimer: This is not a sponsored post. Opinions expressed in the article should not be taken as investment advice. Please do your own due diligence. If you have any questions regarding the discussed or mentioned stocks, feel free to discuss them with other Seedly community members on the Seedly Q&A.  Let’s talk about the latest comeback kid on the SGX today: SBS Transit Ltd (SGX: S61). As I write,...

Read More

The Beginner’s Guide to Tracking Credit Card Rewards (4 SIMPLE STEPS)

“Keeping track of rewards points and miles is easy.” – said nobody ever. Do you find it daunting to track your credit card rewards? Do you lack the time to intricately track your spendings and make sure you’re hitting the reward tiers? Here’s the guide for you. When we say “track reward points”, we refer to anything from points that might be expiring soon, deadlines for completing bonus spending requirements, when points are credited, and what loyalty programmes you’re entitled to. AIN’T NOBODY GOT TIME FOR THAT?! Failure to make payments on time could negatively impact your credit score...

Read More

Top 3 Hong Kong REITs That Made You Money If You Invested From Their IPOs

For our Morning Stocks Analysis, the Seedly team worked closely with The Fifth Person who are experts in the field to curate unbiased, non-sponsored content to add value back to our readers. Disclaimer: This is not a sponsored post. Opinions expressed in the article should not be taken as investment advice. Please do your own due diligence. If you have any questions on the mentioned stocks, feel free to discuss them with Seedly Community here. Why Consider The Hong Kong REITs Market? Owing to a scarcity of land and strong demand, Hong Kong is considered one of the world’s most expensive cities to own property....

Read More

My First AGM: What Does $100M Gathered In ONE Room Look Like?

One Word: Mind-Blown So… You might be familiar with receiving these in your letterbox once a year: Looks familiar? Yeah. That’s a Notice of Annual General Meeting (AGM). If you’re an investor like me, you’ll receive letters like this once a year. Or even a couple of times, depending on when a company’s financial year ends. For the past three years at least, I’ve simply ignored these notices because the AGMs are always scheduled during work hours. Thankfully, I’ve been relying on the really helpful AGM summaries which The Fifth Person puts out, to stay informed. Oh, and just...

Read More

Long Weekends In 2020: Disappear From Work For 40 Days

It’s only April 2019, but if this has been you recently: Credit: knowyourmeme Then boy have we got some good news for you… In case you haven’t heard, the Ministry of Manpower just released the latest Singapore public holiday list for 2020. And it looks like there’ll be 7 loooooong weekends if you plan your leave right. We also took a closer look at the calendar and discovered that you only need to take 11 days of leave in order to enjoy a grand total of… 40 DAYS OFF WORK! Curious? Read on to find out how. TL;DR: Singapore...

Read More

MindChamps PreSchool Makes 8 Major Acquisitions in Australia

MindChamps PreSchool Ltd (SGX: CNE) is wasting little time in continuing its expansion in Australia. On Sunday, 7 April, MindChamps announced that it has entered into an agreement to acquire eight more early learning centres located in and around Sydney. Investors reacted positively to the news with shares of MindChamps increasing 4.62% on Monday. Disclaimer: This is not a sponsored post. Opinions expressed in the article should not be taken as investment advice. Please do your own due diligence. Here’s what investors should know about the acquisition. Growing its presence in Australia MindChamps, through acquisitions in Australia, is looking to strengthen...

Read More

Would You Support Your Financially Negligent Parents?

“Eh bro, you know how Seedly helps people to sort out their personal finance through the blog, asking questions on the Q&A, and track their expenses via the app?”, asked my friend one day. “Erm… Yeah… Why?” “Are you guys thinking of educating the more senior population?” she probed. “Good point… Where’re you going with this?” “What if. What if only ah. Not saying it’s me…” she paused for a second. “What if your parents’ financial planning and retirement plans are damn cui? And they’re just going on holidays and eating out at restaurants when they don’t have that...

Read More

Is It Time To Buy Your First Private Property? Or Should You Wait?

A decline in median prices for certain projects as developers seek to clear inventory could be another reason for the decline in CCR prices during the quarter. They include projects like 3 Cuscaden, Marina One Residences, Martin Modern, New Futura, South Beach, and TwentyOne Angullia Park, says Song. Credit: Boulevard 88 | City Developments Limited At the same time, projects that were launched last quarter, such as Fourth Avenue Residences, RV Altitude, and Boulevard 88, have achieved benchmark pricing. “The encouraging sales for Boulevard 88 have demonstrated that prices of choice developments are expected to stay resilient,” says Tan...

Read More

The Complete Guide To The Best Cashback Credit Cards In Singapore

While looking through my credit cards one day, I realised that the points and miles that I was accumulating on a couple of programmes were either expiring soon or the stuff that I could redeem for were damn cui. 40,000 points, or $4,000 spent, for an eco-friendly cup to hold coffee that I DON’T even drink in the mornings… I’ll pass. Miles sound great. But I’m not really a frequent traveller either. So how often will I earn enough miles for a flight, before my darned miles expire? I decided then to switch to something more immediate. Something more...

Read More

Why Have Institutional Investors Been Buying These 2 Billion-Dollar REITs?

There are many ways to find investment ideas. You can screen for stocks or look at a list of stocks near their 52-week lows to sieve out potential bargains. You can also study what institutional investors have been buying or selling. Disclaimer: This is not a sponsored post. Opinions expressed in the article should not be taken as investment advice. Please do your own due diligence. Institutional investors are typically large investment organisations such as hedge funds, mutual funds, unit trust companies, sovereign wealth funds, insurance companies, and so on. These investors tend to possess vastly greater resources than...

Read More

Like us on Facebook

Follow us on Twitter