Author: Singapore's Budget Babe

Act fast to get $300 cash from SingSaver this 11 November

Get $300 if you’re the first 50 to apply for a relevant credit card with SingSaver this 11.11. If you’re intending to get any of the following credit cards soon, you might as well wait until 11 November to apply. Reason being, SingSaver’s 11.11 Mega Rewards Campaign will be live then, and the promotions offered are too good to ignore. Be among the first 50 credit card applicants, 50 travel insurance buyers and 11 personal loan applicants to qualify.  If you’re fast enough, the first 50 approved applications then for these 3 particular credit cards will get $300. This is for both new and...

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The tale of a sinking ship (or not)

A viral letter about The Queen Mary has caused shares of Eagle Hospitality Trust (EHT) to plummet. Is the sell-down justified, or could this crisis present a good opportunity to buy?This post first appeared on Patreon. Subscribe for more exclusive investment insights! When EHT’s share price crashed so much within a single day, I got all excited because hey, what if this was a fabulous opportunity to buy into a portfolio of international brand-name hotels for cheap? The financial blogosphere is rife with everyone’s opinions on the issue right now but here’s my take, and why I bought. What...

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Guide to Preschools In Singapore – Which school offers the most value-for-money?

Does paying more get your child a better education when it comes to choosing between preschools? What are the differences between childcare centres, anchor operators and partner operators? Is a SPARKS certification necessary? Use this guide to help you navigate Singapore’s preschool scene!——————————————TABLE OF CONTENTS: ·      What to look out for when you go for a school tour ·      PCF Sparkletots vs. My First Skool vs. Star Learners vs. Carpe Diem vs. Agape Little University ·      What I learnt from visiting 10 preschools ·      Review of My First Skool ·      How to qualify for subsidies if you’re self-employed ——————————————Nate will be turning 18 months...

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What to do if you’re caught in a car accident?

Worried that you might be the victim of a fraudulent car accident? Here’s what you need to do to protect yourself.Ever been in a car accident that made you realise the dark nature of some drivers – especially those who try to twist the incident to their advantage and claim thousands of dollars from you? Let’s face the truth of motor accidents in Singapore – some are staged by syndicates for a quick buck, while others simply involve opportunistic (or dishonest?) drivers who inflate claims to their benefit…all at your expense. For experienced car drivers, these tales are a norm, or perhaps...

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Searching for the best SIM-only mobile plan

I finally managed to convince my husband to switch his mobile plan, but was too lazy to redo my research among all the new plans and telcos in the market. Luckily for Seedly’s latest SIM-only comparison tool, which saved me hours of manually computing the data otherwise. For the past 2 years, my husband has been paying a ridiculous sum of $100+ each month to Starhub. Well, not anymore. When I first suggested the switch, I compared against the different options in the market for a SIM-only plan. At that time, it was easy because there were only a...

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SOAR Conference Jim Rogers

In the current market climate with negative yields,  the US-trade war, Hong Kong protests, Venezuela’s collapse, Latvia’s banking crisis, Argentina’s government defaults, and even Michael’s Bury claims of a growing ETF bubble…it is no wonder that many investors are panicking. But the crisis could also point to ripe investment opportunities to buy cheap, as mentioned by the experts during CoAsset’s Summit of Alternative Retail Investments (SOAR). According to legendary investment expert and author Jim Rogers, he believes the next global financial crisis is coming, and it will be the biggest in his lifetime. I had the opportunity to be on...

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Do you really need cancer insurance?

Do you really need cancer insurance? In recent years, several insurers have started offering a standalone cancer insurance for folks who are worried about the costs of cancer – and rightfully so. The cost of treatment in Singapore can go beyond $46,000 in private hospitals, and with statistics showing that 1 in every 5 Singaporeans may develop cancer in their lifetime, it’ll be worth considering if you’re financially prepared for it. In our parents’ time, there wasn’t such a policy offering in Singapore, but with medical advancements that now allow for earlier diagnosis of cancer and treatments, the survival rate...

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Over $57,000,000 scammed – Learn How to Spot A Scam and Protect Your Hard-Earned Money

In the first 7 months of 2019 alone, more than 57 million dollars was scammed from unsuspecting victims. These sobering statistics are according to the National Crime Prevention Council (NCPC).  With scammers becoming more savvy these days and constantly changing their tactics to appear increasingly legitimate, it isn’t surprising that more people are falling prey to these schemes and losing their hard-earned money. Read: The number of loan scams more than doubled to 692 cases and losses of $2.2 million in the first half of 2019, and the number of e-commerce scams climbed to 1,435 and a total of...

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Financial Journalism – which is the best website for investor education?

With the huge repository of information on the Internet today, we are simply spoilt for choice when it comes to deciding which websites to read and follow for updates. But when it comes to something as sensitive as finance, I’m highly selective of where (and whom) I read. Some of my criteria include:Informative and easily understandable (even for non-finance folks) Well-researched and backed up with facts  A high level of ethics, especially when it comes to sponsored posts Not many of you may know this, but I came from a media background where we studied journalism and media ethics,...

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3 Reasons Why I’m Subscribing to the Lendlease REIT IPO

Applications for the Lendlease Global Commercial REIT IPO opens in just 2 more days. This is probably the most exciting IPO I’ve seen this year, and I was gearing up for the release of its details ever since the news first broke in May that Lendlease was planning a listing on SGX.  My son just fell asleep, so I’ll keep this short and cover only the main points within my investment thesis. Details– 387 million shares are being offered to the public at S$0.88 each– IPO opens 25 September at 9pm– Deadline to apply is by 12 noon on 30...

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Your network is your net worth

Your work and income is vital to achieving financial freedom. What are you doing to ensure your career progression, or even to prevent yourself from losing your job?After a decade spent slogging out in the corporate world, I’ve come to realise that it isn’t what you know, but who you know. The hard truth is that if you truly want to be successful, who you know might matter a lot more than what you know. Here are some reasons why:Think about it. If you have only one position and the choice boils down to 2 candidates – both of whom...

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Standard Chartered Unlimited$aver – Yay or Nay?

Is Standard Chartered’s Unlimited$aver worth signing up for? As the product teaser goes, “Been scoring 1.5% cashback with your Standard Chartered Unlimited Cashback Credit Card? Now you can unlock our highest cashback* of 5% with Unlimited$aver.” I’ve been seeing so many ads for this product lately that it piqued my interest, and so I took a closer look at it. My conclusion? Nay. How does it work? At first glance, it definitely seems promising enough – 5% cashback is among the highest in the cashback market right now. Unfortunately, once you start to compare among the other options you...

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How can investors ride on China’s growth?

China companies might be the next big thing. How can investors tap on their growth?For the first time ever, China has surpassed the US in having more Chinese companies on the Fortune 500 list. American companies have traditionally dominated this list, as history will show you. However, a total of 129 Chinese companies made it to the list this year, surpassing the 121 American companies which include the usual suspects, Apple and Google.  I’ve no doubt that China offers one of the biggest investment opportunities today. For those of us who missed out on investing in US giants (eg....

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Who takes care of your child after your maternity leave?

Infant care, domestic helper or a babysitter? About 2 months into my maternity leave, my husband and I knew that we needed to start looking at caregiving options that would allow me to go back to work when Nate reached 4 months of age. As much as I loved spending time with my baby, it didn’t make much financial sense for me to stay home and be Nate’s full-time caregiver, especially given my earning power. Doing household chores and cooking aren’t stuff that I particularly enjoy, either. So for those reasons, we decided it would be better to engage...

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