Author: Seedly

8 Most Affordable New Condos For HDB Upgraders

TL;DR: Most Affordable New Condos For HDB Upgraders In 2019 Despite higher ABSD rates, there are still options in the market that may yet keep your condo dream alive. In this article, we rounded up eight new projects that hover around the $1,300 psf threshold. Project Name Planning Region Planning Area Average Transacted psf No. Of Transactions Within 600m From MRT/LRT Station Kandis Residence North Region Sembawang $1,255 10 No The Jovell East Region Tampines $1,307 24 No Parc Botannia North East Region Hougang $1,315 114 Thanggam LRT (151m) Riverfront Residences North East Region Hougang $1,323 180 No The...

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Rewards Programme For Groceries: Stretching Your Dollar Spent On Daily Expenses

Supermarket reward systems can be downright complicated. But nothing can stand in our way to stretch every dollar we spend on something as essential as groceries! Ways To Save Money When Getting Your Groceries And Daily Expenses At Supermarkets Signing up for the right membership Using the best credit card when it comes to groceries shopping Taking advantage of promotions to help you save money on groceries Pro tip: there are also on-going senior citizen promotions make grocery shopping more affordable for them. Which Supermarket Membership Should I Get? For regular grocery shoppers, you should already have a preferred...

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3 Property Hunting Secrets That Expert Investors Use

The range of properties you can buy is mind-boggling, and it can get weird. Sometimes, a unit right across the road can be worth 50 per cent more. That’s why hunting down good property investments is an art, and here are some of the methods the experts use: Picking Based On Rental Yields, Or Capital Gains The two main ways you make money from a property are rental yields (the amount of rental income it generates, relative to its price), and capital gains (how much more you make when you re-sell the property). A good investor knows how to consider both...

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Important Things I Had To Do To Save $100,000 Before 30 In Singapore

The Woke Salaryman X Seedly Source: The Woke Salaryman | Facebook Here at Seedly, we’re all about creating and curating meaningful, well-researched, and unbiased content that is relatable to Singaporeans in their quest for financial independence and freedom. So when our personal friends, He Ruiming (a talented writer) and Goh Wei Choon (a brilliant illustrator) started The Woke Salaryman, we knew that we found like-minded individuals who share our goal in educating and spreading the importance of personal finance. Through their witty comics and the sharing of their personal experiences, they seek to help regular salarypeople – like us...

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KOI Express Vs KOI Signature: What’s The Difference?

50% price difference, that is. I’ve always been a Gongcha person for my pearl milk tea indulgence. If you haven’t noticed (read my bio) I would say I am quite a fan of bubble tea. And if I really feel like having some of that brown sugar goodness, I would visit R&B for my fix. I’m sorry I digressed a little. This is NOT the point of my article. . . . Back to KOI. I chanced upon KOI’s first Signature outlet when I was checking out the newly opened Jewel Changi Airport. And did you know that by...

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A Beginner’s Guide: How To Set Up Your Utilities With SP Services

So you’ve just collected your keys to your brand new HDB BTO at the HDB Hub and can’t wait to roll a pineapple into your crib or get a ustaz (a Malay male religious elder) to make sure that your home is protected against evil spirits. But wait! Have you thought about the basics like your electricity, gas, and water supply? Source: imgflip You think electricity and water come free with the house meh?!  🙄 Do I Need To Open An Utilities Account With SP...

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A Singaporean’s Guide To NDP 2019 Ticket Application

NDP 2019 ticket applications are OPEN! Nuff’ said. National Day Parade 2019 Ticket Applications Source: NDP.org The National Day Parade 2019 ticket applications are open from today (23 May 2019) to 23:59 on 2 Jun 2019! How Do I Apply For NDP 2019 Tickets? There are two ways to apply for your NDP 2019 tickets: 1. Internet 2. AXS Station & SAM Kiosk Visit any AXS or SAM machine islandwide and apply for your ticket Once you’ve applied successfully, you’ll see...

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Key Takeaways From CapitaLand Mall Trust 2019 AGM

CapitaLand Mall Trust (CMT; SGX: C38U) is the largest retail REIT in Singapore, and the first REIT to be listed on the SGX back in 2002. It currently owns 15 malls across Singapore, which is worth a total of S$10.1 billion as of 31 December 2018. Source: CapitaLand Mall Trust CMT is known for its remarkable financial standing and income stability. Rated ‘A2’ by Moody’s, CMT is the highest-rated REIT in Singapore. Despite this, there are a number of concerns over the REIT’s future growth, especially because its operations are limited to the Singapore market. I attended CMT’s AGM...

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What Singaporeans Need To Know About Temasek-Linked PE Vehicle Astrea V Bond

If you’ve been camping your whole life, looking for a high yield instrument to invest… Well, this could be it. Maybe. Well, investment products are kind of like eye candies – they only appear awesome in the eye of the beholder. Source: giphy About The Astrea V Bond While the details for Astrea V bonds are still being confirmed, we understand that Fitch Ratings (one of the Big Three credit rating agencies) have upgraded the ratings that were given to Astrea III and Astrea IV. If you have been following this closely, you’ll know that these two bonds are...

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Are These Healthcare Stocks In “Good Health”?: Raffles Medical, Thomson Medical, And Q&M Dental

A few weeks ago, my sister got admitted to medical school at an Australian university. I’m really happy for her as it is notoriously difficult to study medicine and dentistry in Singapore – due to the intense demand here to major in either field. It’s a good measure of how essential healthcare is to the country and her future is pretty much set because she’ll be in a highly sought after industry that pays well. This got me thinking about perhaps investing in Singapore’s healthcare stocks to safeguard my future. And when it comes to healthcare, three of the...

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Google Bans Huawei: Should I Sell My Huawei Phone?!

If you’ve been following the news, you’re probably aware that Google has suspended Huawei from Android updates after President Donald Trump signed an executive order which bars the Chinese telecommunications giant from acquiring technology from U.S. firms without government approval. This executive order comes at a time of heightened tensions during the US-China trade war. And has led to this situation on Carousell: Source: Carousell Yes, you read that right. That’s a WTB (Want To Buy) post for a Huawei P30 Pro, for $50… It doesn’t really help that there’s been a bit of a panic-selling on Carousell despite the...

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Keppel KBS US And Sasseur REIT Delivered 20%+ Returns To Investors In 2019

There are 34 Real Estate Investment Trusts (REITs), five stapled trusts, and three property trusts listed on the Singapore Exchange Limited (SGX: S68). The sector has a combined market capitalisation of nearly S$100 billion, with Retail, Industrial and Office REITs making up the largest segments. In general, REITs are one of Singapore investors’ favourite investment vehicles, mainly due to the predictability of REITs’ earnings over the long term. Moreover, not only can Singapore investors buy REITs with exposure to Singapore properties but there are also plenty of REITs with international exposure. In this article, I’ll take a look at...

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How Is The Interest Rate For Singapore Savings Bond (SSB) Determined?

Throughout our investment journey, it’s important to minimally beat the inflation rate when we invest. Over the years, there’s been one investment product in particular that constantly finds itself in the limelight with regard to this topic. Can you guess which product or financial instrument is that? Source: giphy Yes. It’s the humble Singapore Savings Bond (SSB)! Ever since it was introduced on 1st October 2015, the Singapore Savings Bond (SSB) is kind of like the model student in a class of different investment products. Think of Singapore Savings Bond as the class monitor. While he may not necessarily...

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Are These 3 Crab Stocks “Crap”?: Jumbo Group, No Signboard Holdings, And Tung Lok Restaurants

I walked past a zi char store a few days ago and noticed a couple of kids staring at the live crabs in a glass case. As they were making faces and trying to goad the crabs into giving them a reaction, it occurred to me that I could compare the shares of three different restaurants which are renowned for their crabs: JUMBO Group Limited (SGX: 42R), No Signboard Holdings (SGX: 1G6), and Tung Lok Restaurants 2000 Ltd (SGX: 540). Business Model Before going into the financials, it would be good if we can have some understanding of these...

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New Rules On CPF Usage: How Will This Affect Homebuyers?

TL;DR: How Will New Rules On CPF Usage Affect Homebuyers? Singaporeans will now have more flexibility in using their Central Provident Fund (CPF) when purchasing older properties Can draw more from CPF to buy ageing flats Can use maximum HDB loan of 90% of property price or valuation Only if the remaining lease covers the youngest buyer until the age of 95. As a result of these changes: Unlock additional value for older properties Allow older buyers to use more CPF for home purchases Disclaimer: This is not a sponsored post. Opinions expressed in the article by the author...

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