Author: Seedly

How To Maximise SkillsFuture Like A Boss

At the risk of sounding like a complete loser, SkillsFuture credits are one of my favourite things in the world. And this isn’t even a sponsored post. Never mind the benefits of ‘lifelong learning’, a term so liberally used that it’s lost its flavour – much like ‘wanderlust’ (ugh). When I first used my credits to enrol in a Graphic Communication course at NAFA last year, I’d signed up with the intention of mastering Adobe Illustrator. Source: tenor But here’s the unsurprising catch: going for a SkillsFuture course won’t automatically make you a pro, as I quickly learnt. With...

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StashAway Introduces It’s First Singapore-Focused Income Portfolio

Retail investors can now choose to invest in a portfolio of Singapore-listed exchange-traded funds (ETFs) on StashAway, one of Singapore’s robo-advisor services. The new income portfolio consists of SGD-denominated ETFs that are traded on the Singapore Exchange, with a portfolio of up to 539 underlying securities that include government bonds, corporate bonds, REITs, and equities. TL;DR: Everything You Need To Know About Stashaway’s Singapore-Focused Income Portfolio  SGD-denominated ETFs that are traded on the Singapore Exchange 539 underlying securities that include government bonds, corporate bonds, REITs, and equities Projected income of 3.75% per annum for the income portfolio  StashAway Risk...

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Learning A New Language: Costs And Which Schools to Choose

There’s a Chinese idiom that goes: “活到老,学到老” which means “one is never too old to learn”. Languages unlock a world of possibilities for you in terms of living, working and exploring. It also helps as a conversation starter, and it instantly connects you with people from vastly different cultures from all over the world. Also, you get minor bragging rights when the waiter asks for your order in a foreign land, and you’re able to reply without skipping a beat. Source: Tenor (German: Two bratwursts, please.) Convinced that you should spend your time picking up a foreign language? Here...

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Not Going Out? You’ll Still Spend $3.9k Monthly On Household Expenses!

I’m not anti-social, but sometimes I’m quite reluctant to go out with my friends. While I love catching up with them, I don’t like how much money I’ll end up spending on food and drinks. If you’re still staying with your parents, you might really be able to save a lot of money if you don’t head out at all. This is going to feel so suffocating but even if you don’t head out for a whole month, there’s still a lot of expenses going out for a typical household! TL;DR – Not Going Out? You’ll Still Spend $3.9k...

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Guide To Redeeming SQ Business Class Tickets To NZ With Big Purchases (Wedding, Renovation Or Baby) in 2019/2020

Yes, It Really Is Possible! Over the recent weekend, we were planning out our finances and getting ready for our deposit for our banquet. And we thought, why not share our many hours of research into an article with our readers and community members? Here’s How We Plan To Redeem a 2-way Business Class Ticket For A Couple The ticket will be for a Singapore Airlines (SQ) flight from Singapore to New Zealand for our Honeymoon about one year from now in 2020. If we used cash, this would have cost us $10,631 for a pair of return tickets....

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Freelancer Insurance Guide: So That You Get Paid Even When Sh*t Happens

Freelancers seem like they have it great: unlike the rigid 9-5 workers who’d have to squeeze in jam-packed MRTs and buses every day, being a freelancer seems to entail late mornings in minimalistic cafe joints with a cup of latte and a sleek Macbook Pro.  While this may be stereotypically true for some, a freelancer’s job shouldn’t be viewed through rose-tinted lenses. More often than not, freelancers have to deal with the mental load of an irregular schedule, keeping track on their finances, dealing with late payments and low-balling clients.  Freelancers don’t always have it easy, and to top...

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Can Money Buy You Happiness?

“Money can’t buy you happiness” We’ve probably all heard this from our parents before, as an advice to be down-to-earth and not be too money-minded. Well, I did. And clearly, I’m not alone because someone in the Seedly community asked the same question as...

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Top 20 Co-Working Spaces In Singapore (+ Free Trials!)

Have co-working spaces in Singapore reached saturation point? It’s hard to tell; with so many options in the market, picking just one is a battle in itself. Source: tenor Thankfully, we’ve done all the leg work so you don’t have to. As a general rule, most co-working spaces offer amenities based on membership tiers — so do your due diligence before committing to a long-term subscription. And if you’re wondering about free trials, we’ve helpfully placed them up front for your easy reference. You’re very welcome.   For Freelancers, Entrepreneurs and Startups CoCRE8 A relatively new entrant, CoCRE8 is...

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Singapore’s Sandwiched Generation: The Cost Of An Outdated Singapore Dream

The Singapore Dream Not so long ago, the ultimate Singaporean dream (at least the one I was well-acquainted with), revolved around the Five Cs: Cash, Car, Credit Card, Condominium and Country club membership. That was back in the days when my father was still rocking his perms, bell-bottomed trousers and buttoned-down denim top. Source: Business Mega Like most good things when intervened by the power of time, that fashion statement got obsoleted alongside with the magic of Madam Wong and Sparks Disco. Yet, one thing got left behind. An outdated Singapore dream. The Cost Of An Outdated Singapore Dream...

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How Much Do You Need To Earn To Reach CPF Full Retirement Sum (FRS)?

I don’t know about you, but big numbers scare me, even though I may be writing articles on personal finance. And every so often, I’ll wonder if I can ever hit the Full or Enhanced Retirement Sum for CPF Life payouts when I retire in the future. Of course, it’s been emphasised so many times that we shouldn’t rely only on CPF Life payouts, but it’d be nice to have a substantial amount of passive income! Source: giphy TL;DR – How Much Do I Need To Earn To Hit Full Retirement Sum? Before I started writing this article, I...

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8 Things I Learned From The 2019 SATS AGM

SATS (SGX: S58) is a food and logistics company that is best known for managing most of the ground-handling services and in-flight catering at Singapore’s Changi Airport. Due to the recurring nature of the business, SATS’ financial performance has been remarkably stable. In fact, SATS’ operating profit actually grew during the last financial crisis, from S$153 million in 2007 to S$170 million in 2009. Despite this, SATS seems to be facing some challenges on the growth front in recent years — revenues have grown just 8% over the past three years. While earnings have grown over the same period...

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The Best Pet Insurance In Singapore For Doggos and Cats

If you’ve read Jacq’s article on the cost of owning a dog vs a girlfriend/boyfriend , you would realise that keeping a dog is a rather costly feat. Source: Giphy The rising cost of healthcare for pets is something existing owners have to contend with, and many look towards pet insurance to help offset the healthcare cost of owning a pet! Looking for pet insurance is hard, and comparing these different policies is quite a hassle. So here’s a guide and a comparison on how to choose the right pet insurance! Do note that the pet insurance scene in Singapore...

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How Much Does It Cost To Visit A Dentist In Singapore?

Visiting the dentist is — for me at least — an experience I limit to a biannual affair. It’s not my fault I dislike having my teeth scrutinised and prodded at. Then there’s the shocker of the bill, which isn’t always claimable by MediSave. A recent visit to a dental specialist drained me of a painful $395, no thanks to high consultation fees and three x-rays… …but that’s a story for another day. Source: tenor Thankfully, there are affordable alternatives for those on a budget. Here’s everything you need to know about subsidies and treatment costs at dental clinics...

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Who Gets Your Money If You Die Without A Will?

Morbid topic, I know. Of course, if you’ve already made a valid will, the executor will execute your will accordingly. You want to give who, they get lah. But what if you don’t want to make a will or have yet to make a will? Given that accidents happen, it’s important that we know what happens to our money if we pass on, especially if we did not make a will. In the eyes of the law, passing on without having left a valid will make you an intestate and your estate will be distributed according to the Intestate...

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