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David Morgan

Blockchain Tech is the future, crypto enthusiast

David Morgan

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Blockchain Tech is the future, crypto enthusiast

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David Morgan

  • Answers (5)
  • Questions (1)
  • Reviews (0)

Investments

Syfe

Has anyone heard of this new Robo-advisor platform called Syfe?
David Morgan
David Morgan
Level 4. Prodigy
Answered on 31 Aug 2019
Hello! Yup, I’ve heard of it and used it as well. Syfe is a similar Robo-advisor like Stashaway and Autowealth. It’s good for newBies and veteRans as well. As usual, when you are starting off like some platforms, you will need to go through their Risk Profiler and then their ARI ( Automated- Risk smth smth) will then allocate investments based on your risk profile. Their Automated will monitor your profile/portfolio. In case of any Low/High Volatile market news that has happened such as speculations of “recession”, bearish/bullish News and etc, they will adjust your portfolio and tune it to the market frequency. This allows your portfolio risk to stay afloat and not crash and burn. But before you put both feet into the water, make sure to put one of your feet in to test the water as you can never control how the investment returns are and to control the cost that will eat into your returns. And before you put that one foot into the water, please do some thorough research and acquire some knowledge first and be truly understand what you are venturing into. If one finds it’s too much trouble to know the value of something, then investing might not be suitable for one. Best of luck!
👍 6

Singtel

Singtel Broadband

Important: Anyone use Singtel Data X Infinity-Unlimited data?
David Morgan
David Morgan
Level 4. Prodigy
Updated on 20 Aug 2019
Hello, I’m using Data X Infinity. On the contrary, it’s not “Infinity”. When I signed the plan, the Singtel staff told me there’s a limit. And the limit is until 50gb; after you hit 50gb, it will be 1mbs. So it’s technically not Infinity. Yup, you can use the data on your laptop/iPad thru your own mobile hotspot. But been using a few months, I’m an avid gamer and I only hit about 20-25gb in one month. So I think there’s extra “room” for your laptop and iPad.
👍 3

Lifestyle

What should I do when the way we split the bill with my friends bothers me?
David Morgan
David Morgan
Level 4. Prodigy
Answered on 20 Aug 2019
Take your friend's card and your card and spread it with your fingers and tell the waiter to pick one of the cards. But on the serious side, Do you have a card that enjoys similar card benefits? Or you are just jealous that your friends are getting extra benefits from the card at the cost of you guys eating out? If you do, I presumed you are dining out with similar clique, maybe come to an agreement that each time you guys dine out, each person have the chance to pay the bill? Let’s say tonight Friend A pay the bill; next time Friend B pay the bill, then it will soon be your turn to foot the bill? Or you can just tell them you would also want to enjoy your card benefits?
👍 1

Career

Savings

Savings Accounts

Any advice on taking 3-month unpaid leave after working for less than 2 years?
David Morgan
David Morgan
Level 4. Prodigy
Answered on 20 Aug 2019
There’s a lot of untold context here. How old are you? What job are you working at? Do you have commitments that require the salary from your job? Have you saved up emergency funds in case anything would happen to you or your family members during the 3 months period? Any particular reasons for 3 months of unpaid leave? Is the job you are at requires your presence such as F&B/Retail Sector? Are you in good terms with your work colleagues that they would cover your workload? But on the general side, what are you planning to do during the 3 months? Vacation break? Eat sleep repeat at home or? Your boss would be okay with this arrangement if -You are a magnificent Asset to the Company -You are second in command after your boss -You have an understanding boss -You have to work from wherever you are, be it UPL or VL through a laptop etc -You have a very good legit reason for the unpaid leave. (My colleague had undergone surgery and got a 2 month MC and a few weeks of UPL to rest. My views may be wrong but I hope there are others to share their own views on your question :).
👍 1

General

Loans

How can I start budgeting, currently in a debt situation and appreciate any advice!
David Morgan
David Morgan
Level 4. Prodigy
Updated on 13 Jun 2019
That’s tough but you have to keep going. What are you currently working as? Do you have any high income skills? Do you have any passion that you could turn into profit? If you are lazy to even explore then I would suggest to just find part time jobs during the weekend? If you have to spend family time at home or have to be home during weekends, maybe you could find home based jobs like freelance Social media marketing or free lance digital work such as video editing for clients and such. I had debt too and i had 5 debts to repay to. My monthly salary then was around $2k and my debts amount to around $10k. What I did was to sacrifice some of my own entertainment and leisure spendings. I unsubscribe to my Netflix, I took public transport instead of renting a car, I cooked my own lunchbox in the morning to eat and I remember I had an extra $100-200 to spare each month and I pumped that extra amount to the highest debt first. So let’s say the most highest debt I’m paying is around $500/month. So with that extra $100-200, I’m now paying back $600-700 to that debt. Takes patience and consistency. And once I’m done with that highest debt, i will go on to the second highest debt. Let’s say I’m paying around $350/month for the second highest debt, I now do have extra $600-700 since I cleared the first debt and pumped it in. And now I’m paying my second debt with $1000/month and clearing it even faster and so on and so fourth till I’m debt free. But once I’m debt free, I learnt to spent wisely. Hope this helps, let me know your thoughts about it. :)
👍 7
Level 4. Prodigy
51PointsGoal 125
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