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Dominic Chang

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Dominic Chang

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Dominic Chang

  • Answers (8)
  • Questions (0)
  • Reviews (0)

Zero1

Zero Mobile

Anyone can advise if ZERO X Unlimited Plan is worth it (heard that they don't allow tethering hotspot to your other devices)?
Dominic Chang
Dominic Chang
Level 3. Wonderkid
Updated on 07 Jun 2019
How much data do you use? and how fast do you need your data. If you can peg your data use to a certain number, compare the prices and see if it is worth it to take unlimited data. As some workplace has WIFI, you may get away with lower data caps. However if you have high data usage, also factor in how fast you need your data. Streaming ZERO X looks good but just day to day task i believe you can get a better deal with Zero1
šŸ‘ 1

General

Investments

Hi I am a NSF, gonna work a year then study uni. I have $2k in SSB and $5.5k in SAYE for this 2 years and still contributing every month, also I have Posb Invest saver. What else should I Invest in? I have 5.5k left and I donā€™t know what to do?
Dominic Chang
Dominic Chang
Level 3. Wonderkid
Updated on 07 Jun 2019
Depends on how hard you want to work. Firstly, you have 7.5k in savings, and 5.5k left. I would just leave them all in either SSB, or a short term endowment (less than 4 years.) This is to have money to pay off your fees on your final year and prepare for grad trip (if you intent to) and savings when you transit between being a student and working. FD also isn't a bad choice if you can find one with good rates, but SSB 1 year rate is kinda really good now. PS this assumes you are going to pay your fees in cash in full.
šŸ‘ 2

Cryptocurrency

Investments

Is it a good time to invest into cryptocurrency?
Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 11 Jun 2018
When is it a good time to invest in anything? You never know
šŸ‘ 1

General

How do we pay ourselves first? If I save more every time I get my pay, I have a hard time to spend things which I need for myself etc foods and clothingā€™s. Any good blogs?
Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
Review your lifestyle. Ignore how much you save on month 1. Then each month on, track and try to reduce your expenses as a challenge to yourself. Do it until it hurts. That is what you need to live. Then now you can accurately extimate your expenses and savings.
šŸ‘ 0

Insurance

What insurance should I get because I am going to ord in July this year and I am going to start on my first ever full time job earning only $2k? Anyone can reco me a decent plan or what I should know before meeting an insurant agent? ?
Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
Integrated Shield Plan and then wait. Ignore everything until you understand what else you need. If you have bought the MINDEF group term life plan, its a good idea to keep it for life insuarance portion. Its really cheap.
šŸ‘ 0

DBS Altitude Visa Signature Card

DBS Live Fresh Card

Shopping

HSBC Revolution Credit Card

Standard Chartered Unlimited Cashback Credit Card

Credit Cards

I'm a fresh graduate and just started my first job. Which credit card I should use (thinking of DBS Live Fresh, HSBC Revolution, DBS Altitude and SCB Unlimited) for dining and online shopping. Advice?
Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
Depends. You can look into BOC Family card. 10% on Dining, 5% on online shopping. However minimum spend is $700 so you will be putting everything onto your card expense.
šŸ‘ 2

UOB

DBS

UOB One Card

Investments

DBS Multiplier Account

UOB One Account

What are some suggestions on bank accounts and credit cards (or ones that link like UOB One and DBS Multiplier) for employees who don't get to have their salary credited under GIRO at all (requested from HR as well but that option is not available)?
Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
I work around this issue using other means to save. First I use BOC credit card for its cash back, but due to no salary credit bonus, I stuck with OCBC frank giving me 0.2%, and usually keep the bulk in SSB or buy stocks/REITS. If I do need emergency funds, I can swipe my credit card first then redeem my SSB to pay the bills. WIth this general strategy, my bank account does not have too much cash.
šŸ‘ 1

Credit Cards

What's a recommended credit card for fresh graduates without credited salary?
Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
Maybank Vibes. 1% cashback on almost all expenses. 500 credit limit, if you need more sorry. You can always pay early to free up more credit. Note this is still a credit card. Defaulting on payment WILL affect your credit score. The alternative is citibank student card. It offers you CItibanks huge catalogue of promos. But points rewards with a limit of 500 is hard to accumulate in my oppinion.
šŸ‘ 0
Level 3. Wonderkid
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