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Lifestyle

Savings

Ultimate Budget-Smart Student Guide

Survive and enjoy your student years with these tips while getting a 5.0 GPA in Personal Finance.

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8 more comments

HC Tang
HC Tang

19h ago

Breakfast = bread-first LOL
Chua Wei Yi
Chua Wei Yi

15h ago

Exactly, I love bread. Everyone should love bread
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PolicyPal

In the News

Insurance

Lifestyle

Are there any pet insurance to recommend? is it needed?
The purpose of insurance is to hedge yourself against adverse circumstances and to give yourself some peace of mind. So, if you are the sort that will send your pet for treatment and may be worried about the medical cost that follows, a pet insurance policy may help ease your worries. Currently, AIA, MSIG, and Liberty Insurance are the few companies that offer insurance for dogs. Annual premiums cost $80 to more than $200. (Dollars and Sense)
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Lifestyle

General

Having a car in Singapore is like a reflection of your social status. Sometimes I feel like I need to get one to not be "looked down upon". If you are financially capable of buying a car, would you?
Hi there, I discussed it once with my partner about a car and we agree that that the money that we can use to buy a status symbol, eg. car can be used to fund our future children's education. It's a matter of priority because money, being a neutral immaterial object, can be used to purchase a legacy for your loved ones. I think that will be more meaningful. Either ways, people can choose to buy a car if they can afford it but some may not be able to. I think we have our value systems regarding why we will want to make certain high-end purchases. Nothing wrong with wanting to impress, to each his own. But if given a choice, shouldn't we re-direct our limited resources (for a large majority of us) to something more tangible and meaningful? My friends won't thank me for impressing them with a car. But my children probably will thank me for astute financial prudence. Financial planning is an integral part of life. You can reach me here to find out more.
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Career

Lifestyle

Fresh Graduates

National Service (NS)

What are some regrets you have in life?
Hi Anon! One regret that I have, which is also shared by many others in this community, is not starting/ learning investing and personal finance earlier. Thinking back to my time in National Service, I could have spent the ample time that I had on reading books to expand my knowledge and explore investing as well. As what a popular saying states, "The best time to plant a tree was 20 years ago. The second best time is now". What has happened in the past cannot be changed, but it's never too late to start investing.
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Lifestyle

Shopping

Laptop for university recommendations?
I'm not sure about a specific laptop but here are some specs in a laptop that you can consider. Processor: Intel's i5 chip or AMD's Ryzen 7 chip should suffice. RAM: 8GB is sufficient for most tasks. Storage: 256GB or 512GB. Display: I read that 300 nits is recommended but I'm not very sure about this. You'll also want to make sure the laptop is light if you're bringing it around often. So a 13 inch or 14 inch laptop should be what you're looking at. Some companies have discounts for university students, so leverage on that. I know Apple and Lenovo have education discounts. For myself, I'm a year 4 CS student. My laptop is a 1.3k 13inch Asus Zenbook with a dual-core i7 procesor, 8GB RAM and 256GB SSD. It has lasted me about 4 years so far, so I can attest that the specs I've listed above is generally sufficient, although the 256GB storage is a bit troublesome as I need to constantly transfer some files over to a hard drive, so you might want to consider a 512GB SSD instead.
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Savings

Investments

Lifestyle

Fresh Graduates

What can I focus on after reaching 6mths worth of savings? More savings or look into investment?
Hello! I think in terms of savings you are doing quite well. You even have insurance settled for now. So looking to investments is the natural next step. As a start, it would be good to read up on areas you are interested in. Personally, I would only invest in what I know about as I would then know the risks that I'm taking on. Once you have identified an area you are interested in, you can look for funds that invest in such sectors (i.e tech or REITs). Funds (Equity ones) are generally made up of a basket of stocks. This helps with diversification and lowering of some risks. It's a great tool for investors who do not want to spend too much time monitoring the markets. Hope this helps!
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Lifestyle

Food & Bev (F&B)

What's the most you've ever spent on a hawker/coffeeshop/food court meal?
Hi anon, Couple of years back was at Raffles City food court and had Cai Png at around $8 bucks. 2 meat 1 veg. Should have just stuck with McDonald's.
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Lifestyle

Shopping

Any recommendations for cheap/outlet sporting goods?
Hi Anon! I think Decathlon is a good place for cheap sporting goods. You can explore Shopee as well, I got a bunch of resistance bands, pullup bar and a gym bench at really good prices. Hope it helps!
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Savings

Investments

Lifestyle

Buying a car - pay full in cash or take loan?
Above all, the interest rate for a car is guaranteed while investment only yields non-guaranteed return. Therefore, this is something that you need to consider in the first place. That being said, most car loans work on a simple interest basis. Therefore, it is possible to beat this rate through investing your money. You can read more about simple interest here: What is Simple Interest Also, find out more about how the cost of a car adds up: Cost of owning a Car in Singapore Finally, do take note that if you intend to take a loan and do a early repayment, there is usually an additional fee. Hence, bear that in mind as well. Enjoy your new ride! I share quality content on estate planning and financial planning here.
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Lifestyle

Shopping

I intend to buy a watch as a gift (about $1k+, probably a lower end Tag Heuer). Any hacks or websites to get the best deal?
Hi Anon! Just like Weihan has mentioned, Chrono24 is a good platform to buy/ sell watches and get a general sense of the market prices. I used the platform to browse through the catalogue to find a watch that I liked as well. You can also try contacting @topaz_trading on Carousell if he has the model that you want. I got a watch from him at below retail prices. Hope it helps!
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