Author: Seedly

Learn how to “Adult” in 6 minutes

< BACK TO MAIN BLOG 30th September 2018 Turns inconspicuous chatter into intelligible dialogue. You can contribute your thoughts like Wen Fong here. Ever been in a group where the conversation steers to saving plans, career paths, investments and insurance? And while everyone is talking animatedly you are just like – TL;DR : Increase your adulting skills with this article 1 minute on Career Path The first thing that all fresh grads, and every auntie and uncle ask at family gatherings –“What you working as now ah?” i. Don’t be afraid to ask for help Internships     : Starting...

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You Need To Try These Hacks In Fast Food Restaurants To Save Money!

< BACK TO MAIN BLOG 30th September 2018 Turning finance into boba-sized pieces. One iced milk boba tea, please! You can contribute your thoughts like Cherie here. How often do you visit a fast food restaurant for a meal? If you visit them quite regularly, I would recommend practising some of these hacks to help you save some money! Fast food restaurants can get a bit pricey… Hack #1: Sausage McMuffin + Scrambled Egg = Big Breakfast Meal Big Breakfast Meal (S$7.20) Do-it-yourself big breakfast meal, which is essentially the same, just with all the ingredients separated: Sausage McMuffin...

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How much does it cost to lead an instagrammable life?

Breaking down ‘chim’ finance knowledge into manageable pieces so you don’t have to. You can contribute your thoughts like Ruth here. Before you start reading, wanna make a guess? Submit your guesses here! Earlier this year, an interview with Lissette Calveiro from New York revealed how she sank herself into USD$10,000 debt from trying to live an Instagram-worthy life. $10,000 is not a small sum, especially not for something you would think so harmless as social media. Is that even possible?! You just have to post photos of your newest haircut, or the HaiDiLao feast that you’re having….but as we found out,...

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Ever Wondered How Different Generation Invests $10,000

Turns caffeine into digestible finance content. You can contribute your thoughts like Ming Feng here. Why are we always talking about investing with $10,000? What do you invest in, if you have S$10,000 in your bank account right now? Most personal finance content uses $10,000 as a quick guideline mainly because: The amount is sufficient enough to build a reasonable portfolio Having $10,000 worth of savings is usually the first target most people aim for when they start working Plus, $10,000 is a 5-digit worth of savings, which is quite a milestone We went on a journey to look...

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WHICH IS MORE WORTH IT: Online VS Johor Bahru

Breaking down ‘chim’ finance knowledge into manageable pieces so you don’t have to. You can contribute your thoughts like Ruth here. Singaporeans and residents are known to flock to Johor Bahru(JB) for cheap shopping, given the favourable exchange rate. JB is the capital of the Malaysian state of Johor and is connected to Singapore by 2 links. Commuters can shuttle between the two countries via bus, train or car and the journey could take anywhere between an hour to 5 hours, including immigration. If you’re planning a trip there, this guide will be of great use for you! We...

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3 Steps To Earn More Passive Income Than Expenses

< BACK TO MAIN BLOG 27th September 2018 Passionate about helping people make smarter financial decisions. You can contribute your thoughts like Kenneth here. You are stuck in the rat race because you have a current 9 to 5 job which provides you your only source of income currently – In the form of Salary and Bonuses that covers your expenses. The TL;DR (too long don’t read) idea is to plan your cashflow to actually break-free from this and achieve Financial Independence (a term known to many as FI). And that is merely the concept of building up enough...

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3 Beaten-Down Shares with High Dividend Yield

Singapore’s telecom industry has come under massive pressure in the recent years. Due to the change in competitive dynamics amid the entrance of the fourth player – TPG Telecom, the incumbents saw their financial performance and share price tumbling. With each of their respective market cap at: Singapore Telecommunications Limited (SingTel) at more than S$52 billion, the largest telco in Singapore StarHub at S$2.8 billion M1 at S$1.5 billion All of them are currently trading near all-time low and offer enticing dividend yields. Is it wise to buy them now? Let’s have a look. 1. StarHub Limited (SGX: CC3)...

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Singaporean’s Dream: Getting Your Bachelor’s Pad At A Discount (Applying for BTO At Age 35 Using Govt’s Grant)

Turns caffeine into digestible finance content. You can contribute your thoughts like Ming Feng here. Due to Singapore being a physically small country with limited space, most people’s dream of having a bachelorette or bachelor’s pad can only wait till the age of 35 to be fulfilled. In the midst of achieving this dream, most Singaporeans will go on and get married, applying for a flat as a couple.   This article is for those who held on to this dream of having their own bachelorette/ bachelor’s pad (and is now, above 35 years old). TL;DR – Getting your...

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How the S$13mil Grab-Uber fine affects you

< BACK TO MAIN BLOG 26th September 2018 Breaking down ‘chim’ finance knowledge into manageable pieces so you don’t have to. You can contribute your thoughts like Ruth here. In March earlier this year, Grab announced its merger with competitor Uber, taking over Uber’s Southeast Asian operations. Just six months after the announcement, the ride-hailing giants have been handed a S$13million fine by Singapore’s competition watchdog. Here is a timeline of events in the past 6 months. Timeline adapted from Straits Times Graphics The Competition and Consumer Commission of Singapore (CCCS) said the merger resulted in a “substantial lessening of competition” in...

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Know Your Credit Card: Cashback vs Cash Rebates vs Air Miles vs Rewards

Turns caffeine into digestible finance content. You can contribute your thoughts like Ming Feng here. If you can’t convince them, confuse them. This is the feeling I get when looking at credit card pamphlets and advertisement. While the whole world is jumping onto the bandwagon of various reward systems, it is important that we consumers take a step back and know the differences. “We shall not be fooled!”   TL;DR – Difference between Cash Back, Cash rebates, air miles and rewards Understanding these terms and their differences help one make smarter personal finance decision when it comes to applying...

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A Sobering Note From A Seedly Community Member

< BACK TO MAIN BLOG 25th September 2018 Passionate about helping people make smarter financial decisions. You can contribute your thoughts like Kenneth here. We received this via our anonymous QnA platform. However, it seemed more like a message/note to our fellow community members, hence I have decided to dedicate a whole blog post to him/her instead. If you would like to send us a dedication and share your questions/story, please do so here, we’ll help you get the word out to our community and friends. A common goal – Work hard, seek more money. “I know Seedly is about achieving higher...

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Are You Short-Changed By Your Employer? Check The Salary Your Peers Are Getting Here.

Turning finance into boba-sized pieces. One iced milk boba tea, please! You can contribute your thoughts like Cherie here. We all by now should have known that the median salary of a Singaporean is $3,500. What about the salary that you should be getting and what your peers are getting? The key takeaway from this article is for you: TO KNOW YOUR WORTH; or To manage your expectations before an interview; or You wish to know the similar situations of the peers before you; or You are choosing your university course TL;DR – Which university graduates hold the highest salary for...

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Passion to Profit: How to earn money from your hobby

Breaking down ‘chim’ finance knowledge into manageable pieces so you don’t have to. You can contribute your thoughts like Ruth here. The topic of having a side income came up while in conversation with some friends. Unless you’ve successfully (and boldly) made your hobby into a full-time job, most of us give up a majority of our ‘play time’ for our jobs and careers. While having a fixed income grants you stability and assurance, many still seek to do something more with their free time.   If you’re looking to maximise income and enjoyment even in your free time,...

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How To Taobao (For complete noobs who love cheap things)

Breaking down ‘chim’ finance knowledge into manageable pieces so you don’t have to. You can contribute your thoughts like Ruth here. A huge season of mega online shopping fests just began. We’re talking about the crazy 9.9 extravaganza!!! For the uninitiated, 9th of September kicks start the biggest online shopping fest for e-commerce platforms. One such platform is Taobao, a Chinese site that has been termed the Amazon or eBay of China. It is a mega marketplace that ships you a whole range of things from tissue paper to wedding dresses. I would boast about how great a bargain hunter...

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PSA: Check Your Paylah! Wallet Balance NOW

Turning finance into boba-sized pieces. One iced milk boba tea, please! You can contribute your thoughts like Cherie here. We. Are. Not. Kidding. Someone had reached out to Seedly to share with our Community to be vigilant with our PayLah! balances. I don’t use PayLah! all the time because I find it a hassle to constantly have to transfer money to this e-wallet service, I only do that if they have special deals or cash back. If not, PayNow would be the way I would go if I have to pay my friends back. 1. Noticed DBS PayLah! balance...

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