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Adrian Goh Jun Wei

Learning Personal Finance one step at a time

Adrian Goh Jun Wei

Product at Nodeflair

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Learning Personal Finance one step at a time

Credentials

Product at Nodeflair

Adrian Goh Jun Wei

Product at Nodeflair

  • Answers (38)
  • Questions (4)
  • Reviews (9)

Multi Currency Cards

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Answered on 18 Feb 2020
I am using TransferWise! User Interface Simple and intuitive - break down complicated processes into steps Ease of Transfer Just have to transfer the amount to their PayNow - very easy and straight forward! Others Love the fact that they have a "Guaranteed transfer amount" where you can lock down the amount you wish the other person received. From there, you will pay a small top-up, which most likely will be refunded to you if the currency conversion rate did not fluctuate too much Sign up using my link and both gets $100!
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Entrepreneurship

Education

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Answered on 24 Nov 2019
Hey Kelly, can't really comment much without understanding the different factors like company size and the type of role! However, I can share that generlly when you are comparing between a career in a strtup and more stable MNC like the one you mentioned, the main few differences are - Career progression: Startup tends to have less progression (or rather, unstructured progression) especially so if they are a fairly early/young. MNCs have well-structured plans that after XX years, you will proceed to a certain position etc. - Learnings-wise, you tend to be able to learn have a wider view of things and become kinda a Jack of all trades. In MNCs, you are mostly likely going to specialised in one area and be really good at it. (This isn't really a bad thing though) I would say that althought most startups are more risky in general, the degree of risk varies a lot from one to another, depending on factors like the size of the startup, funding, revenue and industry. However, given the volatility of cryptocurrencies and it being in the early phase, I would have to agree that it's definitely going to be riskier. This is also why most startups compensate their employees in terms of ESOP (Employee Stock Option Plan) that are way more lucrative than that of a MNC!
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Investments

Savings

Insurance

Savings Accounts

Credit Cards

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Answered on 24 Nov 2019
Here's 2 articles which might be useful. On the topic of insurance and investment, refer to this If you wish to find out how much to invest, you can refer to this Hope it helps :)
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Entrepreneurship

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Updated on 23 Nov 2019
Hi Nicholas, Adrian from NodeFlair here - we empower developers to code at where they love :) TL;DR: - Experience helps but is not the deciding factor of success - Important to understand the problem and industry you are dealing in - Learning fast and good execution are really important - Personal sacrifices are needed (unfortunately) Along my entrepreneurship journey, I've met successful founders from all backgrounds. Some are seasoned veterans in the field (folks from ShopBack), while some are much younger and comparatively less experienced such as Kenneth from Seedly (I've even met successful founders who started before university/NS) It may then seem like experience is overrated. Well, not exactly true. Experience in the relevant industry is actually really useful in getting a headstart. Imagine being in the fintech space but not knowing all the regulations that you have to deal with, or being in E-commerce but aren't aware that Indonesia is more mobile-first as compared to other regions. You will missed out on many great opportunities (or worst, get into trouble with the law) So why are some young founders so successful even without relevant experiences (e.g. folks at NinjaVan)? The lack of experience can be made up by learning very quickly, either through rapid iterations and validations, to speaking to your users, to seeking advices from more experiences veterans in the field (think of it as a quick crashcourse) Last of all, execution is also one of the key determining factor as to whether you will succeed. It's the reason why some companies strive and grow rapidly while their competitors struggle much, even when they started off at the same place with the same resources. ! All in all, experience is important, but it isn't the deciding factor as to whether one will do well. However, if you would like to start young (say, in university), be prepared to make sacrifices. You will be unable to join your friends in their fun club activities. You must even be prepared to not do well for school simply because the commitment that one has to give to his/her startup in order to do well, is simply too much. All the best in whatever path you choose to take! :)
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Entrepreneurship

Lifestyle

Family

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Answered on 20 Nov 2019
Entreneurship - The Hard Thing About Hard Things (Ben Horowitz) - Shows the dark side of entreprenurship and running a business - The Lean Start-Up (Eric Ries) - Explains how to maximise resources and find the quickest way to validate and grow your business Personal finance - Rich Dad, Poor Dad (Robert Kiyosaki, Sharon Lechter) - Quick and easy guide on the concept of growing wealth Others - Predictably Irrational (Dan Ariely) - Understand how the human works and to more aware of the irrational reasoning of the human minds - help in making better decision
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Entrepreneurship

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Answered on 02 Nov 2019
Background: founded NodeFlair 1+ year back and received the Startup SG Founder grant (ACE) 1) Yes, you need to register a company before you are able to receive the grant 2) That would depend on your definition of "testing". When we first started, we have a working prototype (or a more polished MVP) and we are able to apply for it as there's some form of validation already.
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Entrepreneurship

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Answered on 02 Nov 2019
Hey, I founded my company NodeFlair about a year back and we receive the ACE Startup SG founder grant (30k) - it's NOT true that you have to return the money. However, the spending of the money has to be accounted for.
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Shopping

Lifestyle

Savings

Cashback

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Answered on 02 Nov 2019
Offline 1) Shopback GO - link a card and get fuss-free cashback on offline stores (mainly dining at the moment). Cashbacks are mostly instant and since the store helper does not know you are using it, you won't get that kind of stares/eyes roll. 2) Fave - paying by FavePay at stores give you higher cashback than Shopback GO, but you can only redeem it at the same store. My preferred method if I return to the same store frequently. --- Online 1) Shopback - click through SB and pay as per normal for your online purchases. Most online stores can be found here so it's always my go-to before any online purchases. Although you have a non-SB promo code, your cashback may not be valid.
šŸ‘ 1

Lifestyle

Savings

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Updated on 28 Oct 2019
Hey, below are some of the things I do to maximise my moolah! Food - a variety of apps to get the best food deals: - Eatigo - save up to 50% for reservations (Use ShopBack to get $1.50 Cashback) - FavePay (via GrabPay) - Earn Fave cashback (redeemable on future visits) AND Grab Rewards points (can be exchanged for free rides) - ShopBack GO - Enjoy free deals and stackable cashback by paying as usual - Burpple Beyond - Enjoy 1-for-1 meals at an affordable membership plan (This should reduce the damage from dates) - SG Kiasu Foodies - Get curated food deals on Telegram! Online Shopping: - ShopBack - Have been using it for quite some time on every single online purchase possible (and have a total cashback of ~$480) - it adds up! :) Use my link for sign-up bonus! Others: - Grab Subscription - If you are already taking grab rides and ordering food delivery, this subscription might actually be cheaper - GrabPay Card - You get GrabRewards points for using GrabPay to make an online purchase. If you are platinum member, every $1 entitles you to 10 points (~2.6% rebates based on the rewards scheme) How about cutting down on unnecessary expenses? - Make your own coffee - This saves you a lot especially if you are spending a lot on atas coffee on StarBucks. Still much cheaper when you compared it to kopitiam coffee - Replace your sweet drinks with plain water - Not only is this a good way to save money, but it is also good for health! Make smarter decisions (Kudos to Seedly team!): - Mobile plan - Choose the best mobile plan based on your usage - Saving accounts - Choose the best savings accounts based on your income and expenses
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Savings

Multi Currency Cards

Savings Accounts

Credit Cards

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 5. Genius
Answered on 28 Oct 2019
Can only comment on the UI/UX. Personally tried DBS, OCBC and UOB, and I can say that DBS is the best. It's the most seamless and modern. OCBC is not as good but still acceptable, while UOB is just so frustrating as it is buggy, unintuitive and probably gonna waste a lot of your time as a result.
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