Author: Seedly

Why Uncovering Your Net Worth Is More Important Than You Think

Over the weekend, I saw a friend who was around my age driving a BMW to a lunch meeting. Knowing his background and current working history, I immediately knew that he was definitely stretching himself. On top of that, he recently also bought a private condominium with his other half. Unlike most Singaporeans who would fall prey to the 5Cs and probably be green with envy at this point. Only one thought came to me: “How much debt is he taking on right now?” By my estimates, he’s probably in about $1.02M of Debt… Purchased a 3-room condominium ($900k...

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Are You Maximising Every Dollar Spent Topping Up Your EZ-Link Card?

I remember folding paper planes out of bus tickets stubs and stuffing them into any random gaps I can find on the bus. Image Source: The Smart Local Out of tickets, I’m left with the keys in my pocket to fumble with on my ride home… The introduction of EZ-Link to pay for our public transport changed all of this. And it seemed like one of the best inventions ever until I found myself queueing for half an hour to top up my EZ-Link card at a crowded MRT station. “That’s it, I quit EZ-Link and should just buy...

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What Happened To Hyflux And Why You Should Care

So, you may have heard of the recent Hyflux protests. Ok cool. So a bunch of people lost money to a company because it was once backed by the gahment.  In fact, we’ve even had some of our community members talking about it on our Seedly Q&A platform. So why should I care? You should care because there are lessons we can learn from this particular incident. With the biggest being: don’t blindly invest your money into something that you don’t have a full understanding of. TL;DR: Hyflux Happened And This Is What We’ve Learnt Do your due diligence! Always...

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The Seedly Great Travel Giveaway (GTG): 119 Destinations And 2 Lucky Winners… Will It Be YOU?

Planning to travel this year? Well, you’re in luck. As a big THANK YOU for your continued support, we’re giving 2 lucky winners the opportunity to travel to ANY destination of their choice from a list of 119 destinations. “Really meh? What’s the catch,” you ask? None at all. We just want to thank YOU for making us your preferred one-stop platform to help you make smarter financial decisions! HOW TO WIN: Like our Seedly Facebook Page Tag 2 friends on the Seedly Great Travel Giveaway (GTG) post and tell us what’s your ideal destination Share the post (make...

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Planning To Quit Your Job To Open A Cafe? You Need At Least $100K

While I was waiting in line for what seems like forever to get into a popular cafe during the weekends. I got bored and decided to count how many people walked in to get coffee to go. Within a span of 30 minutes, I counted 20 people who walked out with a cup of joe in hand. Assuming that’s $6 for a cup of coffee, the place just earned $120 in a span of half an hour! And if the cafe’s operating hours are from 8am to 6pm, they would’ve earned $2,400 a day, on coffee alone! Imagine what...

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Nas Daily has to pay $120,920 upfront to move to Singapore.

Note: Cost estimations here are largely based on what is reported or assumed based on his lifestyle. Foreigners moving to Singapore on the EntrePass can manage their expenses by tweaking their lifestyle choices like solely taking public transport or choosing a more humble office location. *ba-dum-tss Mention the name “Nas Daily” to Singaporeans and you get either of two reactions: “Oh my god!!!! *fangirls*” or “That annoying big-yellow-text-1-minute-video guy?!” Nas Daily first made waves here after he made video (upon video…) of Singapore, mostly painting us in an overwhelmingly positive light and covering sights and sounds of Singapore that...

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Migrating Out Of Singapore Because You Think The Income Tax Is Too High? Think Again

Tax season is in full force. And you might think that you’re paying a little bit too much tax. Singapore so expensive already… How to pay tax??  Thinking of migrating out of Singapore for lower income tax rates? Think again… Living and working overseas might sound really attractive, but some things are just better at home. So before you decide which country you wish to migrate to, you might want to look at our comparison of the different income tax rates around the world. TL;DR: Which Country Has The Lowest Income Tax? Here’s an income tax comparison for some countries...

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Using Tissue Packets To “Chope” Seats. Does It Make Economical Sense?

” Chope! This seat is mine!” Chope-ing seat is the act of placing an item on empty tables to reserve seats while you go on grab your food. Like the way we order our coffee, chope-ing seat is uniquely Singaporean and this harmless act can sometimes result in disputes or inconvenience for the rest of the patrons. source: The Independent Singapore We understand that the action of reserving a seat with a personal item is a common task during lunch time. However, with the rising cost of living and inflation, we wonder if a packet of tissue paper is...

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Is MUJI Really Worth It? Or Should You Consider Iuiga & Taobao?

There’ll always be a debate whether Iuiga would be able to replace MUJI simply by claiming that their products are from the same manufacturer and selling their merch’ at a fraction of the price. FYI: MUJI recently took legal action against them for alleged trademark infringement but we hope that isn’t what you are here for. What we really want to know is: should we splurge on MUJI’s product which promises quality and aesthetics OR choose alternatives like Iuiga and Taobao? TL;DR – Is MUJI Really Worth The Money? It really depends… Products Where should you get it from?...

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Home Insurance 101: Lessons Learnt When My Wife Tried To Set Me On Fire

Not long ago, I walked into my kitchen and noticed that there was a used frying pan on the hob. “Ah… The wife must’ve cooked something earlier and will clean that up after her shower,” I thought. Thinking nothing of it, I headed out to the living room, sank into the sofa and decided to check out Seedly’s Q&A on my phone (Shameless plug here. But seriously, check it out. There’re plenty of interesting questions and pretty good answers to all things personal finance related. Especially since we’re all too paiseh to ask for help in real life). A...

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How To Watch The Final Season Of Game Of Thrones On A Budget

We’re only a couple of weeks away from 14 April, when the eighth and final season of Game Of Thrones (GOT) will finally make its debut. Before we proceed: SPOILERS AHEAD, especially if you haven’t watch GOT at all and plan to do so. If you’re a cheapo like me, you’re probably wondering what’s the best way to watch Game Of Thrones. Other than the most obvious and legal method of getting a cable subscription that is… But it’ll cost you something like $24 a month for a starter pack of cable channels – which nobody really watches anyway...

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A Quick Look At 3 Listed F&B Companies in Singapore: BreadTalk vs Kimly vs Koufu

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 on the mentioned stocks, feel free to discuss them with Seedly Community here.  I am a big fan of Singapore local Kopi (coffee) and will never give up one in exchange for any imported coffee. You will always find good...

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SIA Retail Bond 2019 – The Good, The Bad and Everything You Should Know

Singapore Airlines will be releasing S$500 million worth of bonds – S$300 million to the public and the rest to institutional investors. Should the SIA Retail Bond 2019 be oversubscribed, they will extend the tranche to up to S$750 million.  Previously, we had Both by Temasek Holdings who also happens to be a major shareholder of SIA (55.53%). Disclaimer: This is not a sponsored post. Opinions expressed in the article should not be taken as investment advice. Please do your own due...

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Ultimate Comparison: Which Bank Has The Best Promotions For Lazada, Shopee, Qoo10?

Online Shopping Revenues Expected To Exceed $7 Billion In 2025 When it comes to online shopping, Singaporeans are now the second biggest cross-border online shoppers in Asia-Pacific. We are currently at 3.12 million online shoppers in Singapore. And this number is projected to increase to 4.11 million by the year 2021, with each online shopper spending an average of $1,662. Unsurprisingly, 74% of Singaporean shoppers are using credit cards for their online shopping needs. Naturally, this increases the importance of promo codes and credit card promotions when it comes to online shopping. Here at Seedly, we’re huge advocates of...

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10% and Beyond – How to Earn a Double-Digit Dividend Yield From Your Investments

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. Whenever you mention income investing (or dividend investing) to certain investors, they may reply with one of many possible responses: “Dividends? I’m only earning 2-3% a year. That’s too...

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