Cherie Julianne Tan - Seedly
Cherie Julianne Tan

Turning finance into boba-sized pieces

Cherie Julianne Tan

Content Strategist at Seedly

140Upvotes

About

Turning finance into boba-sized pieces

Credentials

Content Strategist at Seedly

Cherie Julianne Tan

Content Strategist at Seedly

140Upvotes
  • Answers (53)
  • Questions (7)
  • Reviews (2)

Credit Card

DBS

DBS Multiplier

Expenses

Hey there! I AM IN A HUGE DILEMMA AS WELL. Based on your spending patterns, I believe DBS Live Fresh works best for you. Unless you are a miles person then you should consider DBS Altitude (btw the miles don't expire) or DBS WWMC (miles expires every year). For DBS Live Fresh , it is 5% cashback cap at $400 per category spent (min. $600 spent per month) Category meaning: Online, Contactless (PayWave) and Other Spend. Based on your $400-$950 spent on expenses, it doesn't look to me that you're reaching the cap of $400 per category spent. If you are for ONE category then consider rearranging your expenses, so like instead of spending online, go to a physical store to make the same purchase but using PayWave. :) Anyway, just wanna add that you don't have to spend just to earn the extra interest rate on the Multiplier. A decent S$1 macs ice cream like what Gabriel mentioned will do the trick. Edit: Forgot to mention Live Fresh is having a 10% cashback SimplyGo promo too!

Savings

Cherie Julianne Tan
Cherie Julianne Tan, Content Strategist at Seedly

()

Level 6. Master
Answered on 18 Jun 2019
! Know Your Personal Finance Well? Become A Seedly Prodigy! Level up your game and take home some Grab vouchers! Click here for more details .
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Credit Card

General

Cherie Julianne Tan
Cherie Julianne Tan, Content Strategist at Seedly

()

Level 6. Master
Answered on 17 Jun 2019
! Know Your Personal Finance Well? Become A Seedly Prodigy! Level up your game and take home some Grab vouchers! Click here for more details .

Lifestyle

Career

Cherie Julianne Tan
Cherie Julianne Tan, Content Strategist at Seedly

()

Level 6. Master
Updated on 12 Jun 2019
! Know Your Personal Finance Well? Become A Seedly Prodigy! Level up your game and take home some Grab vouchers! Click here for more details .
Answer image preview

Investments

General

Cherie Julianne Tan
Cherie Julianne Tan, Content Strategist at Seedly

()

Level 6. Master
Answered on 11 Jun 2019
Know Your Personal Finance Well? Become A Seedly Prodigy! Level up your game and take home some Grab credits! Click here for more details . !
Answer image preview

Credit Card

Insurance

Cherie Julianne Tan
Cherie Julianne Tan, Content Strategist at Seedly

()

Level 6. Master
Answered on 10 Jun 2019
When I was researching for which credit card to get, I saw this review of HSBC Advance Credit Card . But do note that he was sharing his experience as of June 2018, got to check with the bank if it is still valid . Although I just check the T&C's for this card, insurance premium is not under their exclusion. So you might have a chance at this.

Savings

Bank Account

Cherie Julianne Tan
Cherie Julianne Tan, Content Strategist at Seedly

()

Level 6. Master
Answered on 10 Jun 2019
Know Your Personal Finance Well? Become A Seedly Prodigy! Level up your game and take home some Grab credits! Click here for more details . !
Answer image preview

Insurance

SeedlyTV EP01

Cherie Julianne Tan
Cherie Julianne Tan, Content Strategist at Seedly

()

Level 6. Master
Updated on 07 Jun 2019
AIA plans are not the cheapest plans in the market. However, I do feel that AIA Vitality is the dealbreaker for me. For $8/month, I can earn up to $10 vouchers ($5 + $5) on Grab, Cold Storage or Starbucks. Effectively, that is $32 ($40-$8) earned just by keeping fit. Do check with your trusted financial advisor if signing up for AIA Vitality has premium discounts for your PA or hospitalisation plans. Look through the benefit table if the plans covers your needs as well. Hope this helps!

Equities

Securities

Stocks

Investments

Cherie Julianne Tan
Cherie Julianne Tan, Content Strategist at Seedly

()

Level 6. Master
Updated on 07 Jun 2019
Like every other investment, it is very important to do your own research. Some tips I would suggest would be: - Do you own research - Look at their competition - tech is a very competitive space. Are they doing anything to stay competitive and relevant? Are they innovating yet staying true to their core (mission)? Are their products easy to replicate? - Scalability : Is it a company that is able to scale? - Macro-scale direction : Where is the company headed to? Is it forward moving or are they stagnating? And yes, I agree with Gabriel, never follow people's tips blindly! Follow up with what you've heard with a simple google search. Never never invest in something you don't believe in, you would want a good night's rest! Hope this helps! :)

Lifestyle

Cherie Julianne Tan
Cherie Julianne Tan, Content Strategist at Seedly

()

Level 6. Master
Updated on 07 Jun 2019
Eating vegetables. Hear me out. I've never liked vegetables especially the stems. I have no reason behind that, I judged it by face value and didn't like it. Only till this year, I dared myself and grab the stems and learned to appreciate its crunch and bitterness. What an acquired taste, but it wasn't so bad afterall, I bet my parents are proud to hear this. In other words, I've learnt that some things I have to take the first bite and allow myself to go through the experience before making my own judgements. And to not let it hinder myself from taking the first step. :)
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Level 6. Master
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