Author: Singapore's Budget Babe

ICO Review: CloudMoolah

Democratizing the gaming industry by unlocking global game payments and distribution. What’s the problem CloudMoolah is trying to solve? Game developers currently pay a hefty amount in distribution and marketing fees to incumbent app stores (eg. Apple App Store, Google Play). Furthermore, more than 50% of total mobile game revenue is currently earned by less than 2% of all app developers, particularly those with big advertising budgets. SEA is the world’s fastest-growing mobile gaming market (69% y-o-y growth), but is currently fragmented, consisting of 11 countries with a fragmented payment landscape and low credit card penetration. Game developers currently...

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Here’s how I watch movies on budget flights without paying extra

The airlines business is a competitive one, especially with travel deals and budget fares promotions ongoing all the time. So when I travel, I never believe in paying more than I absolutely have to. And given that most of my flights are to short-haul locations (under 7 hours), I’m a huge fan of always going with budget airlines whenever I have to fly. I’ve shared previously about tips on how to pay less for budget flights here and that I typically avoid all the frills that budget airlines try to charge for, in order to earn an extra buck. Travel...

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The SGBB Cashback App !

There’s a new app for download – one that’s designed to help you manage and maximise your cashback credit card game. The SGBB Cashback App Background As an advocate of cashback credit cards, one of the most common questions I get is on how to MANAGE our cards, especially given how there are a multitude of credit cards which give varying cashback rates across different categories. For instance, imagine if you own the OCBC 365 card and Citi Cashback Card (a pretty common combination among my friends). The OCBC 365 card gives 6% on weekend dining, but this falls...

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What you must know before investing in dividend stocks

If you were paying close attention to the Budget 2018 speech on Monday, as well as my feature on Ask the Finance Minister 2018 earlier this week, you would probably have caught onto: The government will be introducing a financial education curriculum for polytechnics and universities. Finance Minister Heng Swee Keat emphasized on the importance of individual financial planning and preparations for the future if we are to cope with rising costs. Up-skill and upgrade yourself was the repeated mantra, which has been echoed for multiple years now. And as I concluded, it seems like the only way out for...

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ICO Analysis: Is Sentinel Chain worth investing in?

The latest crypto project aiming to provide financial services to the world’s unbanked and underbanked. One of the latest hyped crypto projects is Sentinel Chain, which is a Singapore-based ICO due to open their public crowdsale next month. There’s presently a lot of interest as Sentinel Chain is a partner of Vechain, which is arguably the #1 supply-chain crypto right now. If Sentinel Chain is successful, they’ll help play a crucial role in reducing the world’s income inequality and lead rural farmers to greater economic prosperity. How do they intend to...

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SG Budget Babe on Budget 2018

If you were wondering whether that girl you saw on TV yesterday night was me, yes it was! Channel News Asia (CNA) had kindly invited me to be part of their Ask the Finance Minister 2018 show, where they gathered 5 Singaporeans from different walks of life to question Minister Heng Swee Keat after the recent Budget announcement. I was asked to represent the Millennials, and here are the questions I asked (the phrasing differs as they were not scripted). 1. Many of my friends are increasingly joining the gig economy, where they do not get benefits like CPF or...

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Review: Standard Chartered’s Unlimited Cashback Credit Card

How do you choose the best credit card for your lifestyle? Everyone has different spending habits, so the best credit card for you might not necessarily be the most suitable for me. As such, personalization is key. With the growing popularity of cashback credit cards, many banks and card companies are now releasing extremely competitive cards. But with more choices come more headache as well, especially when each card comes with different cashback limits and spending requirements across various categories. If you’re looking for a cashback card with no caps and no hassled spending requirements, there are only 2...

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How do you value crypto?

One of the most common questions I get from readers (and skeptics) is how to value cryptocurrencies. Traditional concepts and ratios like Price-to-Earnings, Free Cash Flow and Net Profit don’t quite apply to cryptocurrencies, especially a large number of crypto projects still are in development and aren’t ready for mass adoption in the real world yet. So what’s a crypto investor supposed to do? We need to first understand that the crypto markets are still in their infancy. Unlike stocks (which have been around for a much longer time), there is still no universally accepted metric on how to...

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2000% returns in crypto? I’ll never invest in a coin like this!

Is a 2000% gain possible within a day? But do you dare buy into this coin? Take a look at its low volume, the number of grammatical mistakes on its Twitter page, the bold claims it makes, as well as this piece of art created using Paint X. Source: E-coin Twitter Its website is not even accessible. What’s happening? This looks like a shitcoin through and through to me. Would you dare to buy? Not for me! The sudden price increase looks more like a pump-and-dump attempt to me, because at such low volumes, it is easy for PnD...

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Crypto – From a sea of red to a sea of green within a single day

How’s everyone doing? If you were freaking out over the dip the past few days (especially this afternoon), I hope you read my previous post dispelling all the FUD and remained calm despite the markets selling off. If you haven’t already seen it, head over to read how I made 178% on a trade while the rest of the crypto markets were tanking (seriously, 1 out of the top 100 coins!) and why I believe this FUD will soon be behind us once people realise the truth about all the misreporting. For those of you on Patreon, I posted earlier today...

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178% gains in a month while the crypto markets crashed

Crypto markets are crashing, but click here and watch this video carefully: Notice how there’s only ONE coin in the top 100 cryptocurrencies which is green? Yup, that’s mine. In fact, in between taking that video and writing this post, DGD has gone up from 25% to 40% 100% now. How much did I make on this trade? For sake of simplicity, let’s just assume I bought 5 DGD coins. Then: 1 eth = USD 660 (my buy price) 1 DGD = 0.2 eth Cost for 5 DGD = USD 660 Today: 1 DGD = 0.4 eth (it even went...

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Don’t trust mainstream media for crypto news

Do not trust the mainstream media when it comes to news in the crypto universe, because most of them can’t even get their facts right. Previously, we’ve seen how mainstream media outlets screwed up when they reported that South Korea was banning cryptocurrency. The FUD news spread like wildfire, when in fact South Korea has no such intention. A lot of the news have either proven to be completely false, or was blown out of proportion. If you’re worried, I’ll try to clarify all the FUD here one by one. 1. India government bans Bitcoin and cryptocurrencies Indian Finance...

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Here’s how a crypto ponzi scheme looks like

Breaking news: This is probably the only time you’ll ever see Budget Babe promote and invest into a Ponzi Scheme. The horror!!!!!!!! So I just came across one of the most impressive and smartest crypto projects I’ve ever seen. In fact, the entire scheme is so full of genius – if people buy, you get dividends; if people sell, the price lowers until people buy again, which gives you MORE dividends. You literally can almost not lose as long as you have iron hands and not sell. It is a joke of a crypto project and an outright, self-confessed...

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Legitcoin – is this ICO really legitimate?

“Biggest ICO project of 2018”! “1 coin is predicted to reach $70 by March 2018!” Someone tried shilling a new ICO (initial coin offering) to me recently and after just 15 minutes, I was so convinced and believe this to be another outright scam, so I’m documenting this here for us all to come back in March 2018 to see what happens. A little intro into Legitcoin: they claim to be: The “biggest ICO project of 2018”  Legitcoin “will be one of the fastest blockchains ever made” Will be listed on Bittrex and HiBTC (I think they mean HitBTC,...

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BITCONNECT IS BACK! Please don’t fall for this a second time!

Fool me once, shame on you. Fool me twice, shame on me.   Round One Earlier last year, I had warned readers about various scams in the Bitcoin space – including Bitcoin mining, Bitconnect, and even local scammers trying to cheat you of your money by hopping onto the Bitcoin hype train. I did this through various social media channels – at events, through the mailing list, on Facebook and even IG stories. I slammed Bitconnect for being a downright Ponzi scheme, but obviously my words were drowned out by all the Youtubers and other famous social media influencers...

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