Author: Seedly

How I Almost Died Talking To My Wife About Money

We all know that money is important. Tracking, budgeting, and saving it is also super important. But frankly, it’s not something a lot of us feel super-passionate about. Throw in a significant other into the mix and well… It’s a recipe for disaster. If you’ve got a partner who doesn’t see eye to eye with you with regard to your money goals. Or a spouse who just doesn’t take money as seriously as you do. Here are a couple of tried-and-true strategies that I’ve developed over the years for talking to someone about money. Seriously, learn from my mistakes,...

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2019 Travel Deals: When to Book & When To Fly

It is only January, but most of our minds are already looking at the next getaway! Most of us still can’t get enough of our year-end vacations (we can never get enough of holidays). Well, things are going to change in 2019 because you can now travel the world without breaking the bank. A simple infographic – Best Travel Deals in 2019 Presenting to you – Seedly’s best travel deals of 2018 (so far). Not only did we curate the best deals for air ticket discounts, but we’ve also created a simple infographic, so you know when to book your...

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A Complete Guide to CPF Housing Grants for BTO and Resale Flats

One of the hottest topics you’d hear from a bunch of millennials or young adults who are looking to settle down: “Should I go for a BTO or a resale flat?” Whether it’s you and your Significant Other, or hearing a friend grouse about the waiting times of his latest BTO… it’s definitely a topic that we pretty much can’t escape. (Much like all the NS-talk, right girls?!) Besides HDB housing loans, there are also these CPF loans which are loans dedicated to aid Singaporeans in securing their (mostly) first home. BTO and Resale Flats   BTO Resale Waiting...

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Top 10 Best Bak Kwa You Must Queue Up For

With the Lunar New Year of the pig right around the corner, what better way to celebrate the auspicious season than with a not-so-healthy serving of Bak Kwa! One of the top few must have snacks of the season, no home is truely complete without a platter of this sweet, savoury porky goodness. To help you gear up for a feast, here’s a list of our top recommended Bak Kwa stores you’d have to visit to get your share this Chinese New Year. To keep options open, we’ve excluded a few of the popular chains there, which include the...

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“Own X Properties in 2 Years With No Money Down.” Is It A Scam?

These days, you can’t go five minutes on Facebook without being spammed by an “Own 20 properties with no cash down” ad. Is it an outright scam? The answer is no (at least not outright) – but there are serious financial risks to consider. Also, it’s something of a legal grey area. Here’s how it works: Note: Special thanks To Douglas Chow for his help; you can call him the Chief Enlightenment Officer (CEO) of Empower Advisory. What do the ads mean by “owning 20 properties”? When the ads say “own”, what they really mean is co-ownership of several managed properties. These...

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Best Credit Cards for Women Singapore 2019

Credit cards reward you for a comprehensive list of things. Be it shopping, paying for gym membership, or doing weekly grocery runs – you name it, they have it. How do you choose which card you need and what best suits you? Some characteristics that banks use to ‘target’ women consumers: more frequent shopping purchases and higher bills(online + offline) more frequent trips to the supermarket booking of vacations indulging in spa/healthcare treatments *this list is non-exhaustive Benefits of Women’s Credit Cards Rewards for online, offline, local and overseas shopping Special rates and discounts on fashion, healthcare and beauty...

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Are You Trying To Save Or Invest? SSB vs REITs vs Short-term Endowment vs STI ETF

Discussions with regard to investing happen frequently on the Seedly Personal Finance Community. While most Singaporeans who are relatively new to investing understand that they should have a long-term approach to investing. We look at some of the commonly asked questions and decide to draw a comparison across some of these frequently recommended products. Here are some frequently asked questions on the community: TL;DR – Understanding Savings vs Investing, and choose the product more suited for it The usual advice for Singaporeans looking to kick start their personal finance journey will be SSB vs REITs vs STI ETF vs...

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3 Signs Your Stock Portfolio Could Lose You A Lot of Money

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. I occasionally get small cuts on my hand, other times on my foot, and I usually have no idea how I got them. These cuts bleed a little but...

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The Ultimate Female Insurance Plans (With Free Health Checkup) Comparison

According to the Singapore Cancer Society, 1 in every 37 Singaporeans are diagnosed with cancer every day; 16 people die from cancer every day; and 1 in 3 deaths is caused by cancer.   Wouldn’t you want to know as females are we more prone to diseases than our male counterparts? Yes, though by a thin margin. 51.4%* of the incidence of cancers occurred in females. *Numbers are extracted from the Singapore Cancer Registry Annual Registry Report 2015 (here) and are accurate as at 21 Jan 2019. On the same note, breast cancer holds the highest occurrence among Singaporean Women,...

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How To Successfully Ask For A Pay Raise: A Step-By-Step Guide

It’s great that we’re all here to manage our money and learn to make smarter financial decisions. But there’s a quicker and easier way to accumulate more money: just ask for it. Yep. It’s that simple. By advocating for yourself in the workplace, you’ll be able to increase your income and earn what you deserve. And since it’s the start of the new year, there’s no better time to start this process than right now. Oh, and instead of asking you to reflect on banal questions like: “Consider how your industry is doing” or “Do you have the requisite...

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CPF Monthly Payouts Start At Age 70: What Could Have Been Done Better? Is It Still A Reliable Retirement Plan?

A recent screenshot of a letter from the Central Provident Fund (CPF) Board might have gone viral on the internet. This letter was to a Singaporean who is turning 65 years old in May 2019. According to the understanding of most Singaporeans, 65 is the age where one is eligible for CPF monthly payout. The letter, however, states that the payout is “by default” shifted to age 70 and one will need to opt out of it to receive the payout...

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3 Singapore Blue-Chip Stocks That Have More Than Doubled Their Profits In The Last Decade

For our Morning Stocks Analysis, the Seedly team worked closely with MotleyFool, 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, you can ask the Seedly Community here.  Long term investors seek companies that can sustain, or better still, grow their profitability for the foreseeable future. As a matter of fact, no one can accurately predict the...

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How To Lead A Comfortable, Semi-Retired Life With Just S$1,500 A Month

For Property Investing, the Seedly team worked closely with EdgeProp, who is an expert in the field, to curate unbiased, non-sponsored content that would be of value 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, feel free to discuss them with the Seedly Community here. TL;DR: Retire Comfortably In Malaysia With A Monthly Income Of S$1,500 Singaporeans can live quite comfortably in Malaysia on a monthly income of S$1,500 Almost everything from furniture, food, and...

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Credit Scores: How They Can Affect Your HDB Loan, Don’t Ignore Them!

Credit Score – What is it? What does it do? How does it affect me? Particularly, credit scores can critically impact your financial situation if not maintained properly. For example, qualifying for loans very much depends on your credit scores and having a low credit score automatically renders it more difficult for you to qualify for higher tiered loans such as home mortgages or business loans. TL;DR: All Credit Score Ratings you should know Scores Risk Grade Default Rates 1911 – 2000 AA 0% – 0.27% 1844 – 1910 BB 0.27% – 0.67% 1825 – 1843 CC 0.67% –...

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What All Women Should Know About Insurance Singapore

Disclaimer: This is NOT a sponsored post. We’re talking 2019 – it’s no longer the case of working dad, stay-at-home-mom. Mothers, or career women, are out there climbing the corporate ladder and working hard to earn their own keep. While these “wonder women” balance both being a mother, wife and daughter at home, to being a head-strong career lady at the workplace, one key thing that most people overlook in assisting them on this arduous journey of being a working mother, is INSURANCE. There are several insurance plans tailored to women such as PRUlady, AIA Glow of Life and Lady...

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