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Germaine Chong

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Germaine Chong

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Germaine Chong

  • Answers (14)
  • Questions (0)
  • Reviews (3)

Geneco

Promo Codes

Electricity Retailers

Anyone has promotional/referral codes for Geneco?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Updated 9h ago
Referral code: 97679963 (both of us will get $20 rebate) Updated Promo code @ 2 Jul 2020! 1) promo code = GSS50 for $50 off bill rebate. Valid for Get It Fixed 36 / Get It Fixed 24 / Get It Less 24 or Get Sunny Plans. Applicable till 31 Jul 2020. Valid for the 1st 5000 customers. 2) 1% rebate for recurring payment with POSB card 3) 1% rebate for recurring payment with UOB card for 12 mths. 4) $30 rebate for recurring payment with OCBC 365 credit card. Promo valid till 31 Jul 2020. Limited to the first 1,000 customers. Plus, enjoy 3% cashback monthly when you pay your electricity bill on recurring with an OCBC 365 Credit Card. Min. spend of S$800. Cashback capped at S$80/month. 5) $20 rebate for recurring payment with Standard Chartered credit card. Be the first 850 customers to enjoy an additional bill rebate of S$20 or S$10 when you sign a 24/36-month or 12-month electricity plan respectively. Customer must set up recurring payment by 30 June 2020. 6) S$20 rebate for recurring payment with a Citibank Card. Applicable till 30 June 2020. Review: I have been using Geneco since January 2019. The reasons why I chose Geneco: 1) They are very transparent in terms of price, no transmission loss charges, carbon tax absorbed, no hidden cost, no deposit required 2) They do a price match if you signed up for their 2 yrs plan. I emailed them to price match, and they responded fast- good after sales customer service 3) The bill is easy to read, simple, straightforward. My usual electricity bill is around $70. My current bill (based on entire cycle with Geneco) comes up to $44. This is 37% less than the average of $70. The bill has been quite stable as well, $40+ for the past few months. 4) They are one of the main providers and thus reliable. I would personally recommend the 2 years plan! Total possible rebate= $50 ( GSS20 ) + $20 (Referral 97679963 ) + $30 (OCBC 365 recurring) = $100. A really good deal! :)
ūüĎć 2

Promo Codes

Shopping

Anyone has promo code / referral codes for Shopee?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Updated 3w ago
Use my referral code GERMA338 to get $10.00 off your first purchase! Download Shopee now and enjoy hot deals at the best prices! https://shp.ee/dzup47q?smtt=0.0.9
ūüĎć 0

Promo Codes

Shopping

ShopBack GO

Referral Codes for Shopback?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Answered 4w ago
Https://app.shopback.com/sgp?raf=jWLsMu&slug=referred-signup-bonus Use the above link to signup to get $5 cashback bonus! You can earn rebates when purchasing via Shopback now! Examples include: - iHerbs - Up to 50% Cashback! - Amazon.sg - Up to 6% Cashback - Watsons: 2% Cashback - Guardian: Up to 5% Cashback And many more!
ūüĎć 0

Credit Cards

SeedlyTV S1E01

How to know if paying tax using credit card through CardUp like service is worth it?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Answered 4w ago
I am a new user of Cardup. Below is my review. Review: Have been contemplating whether to embark on such a platform as I didnt feel secured. However, as more and more banks has stopped issuing points/ rebates for payment to insurance company, I decided to revisit Cardup. After reading up, I am encouraged by lots of reviews that it is indeed quite legit. So my plan is to spread my insurance payments into the different months and try to hit $2000 spending per month (a mixture of cardup for insurance and tax, and retail/ online spendings). I will charge all these to UOB One Card and get $300 cash rebate quarterly. In this way, I will be getting a rebate of 5% - Cardup fee of 2.6% = savings of 2.4%. This is quite decent. Note that for income tax, you can only make a lump-sum payment and monthly instalments is not allowed. By doing so, I do not need to crack my brains on how to spend $500 for my OneAccount to get the bonus interest too, as Cardup is considered an eligible spending. I can then channel my spendings to another credit card for other rebates. By using Cardup, if I spend $2000 consistently for 12 months (which can be quite achievable if you are paying insurance premiums for your family members), you will be getting quite a substantial amount of rebates! Moreover, sometimes, Cardup will have promotional rates, for instance, currently, for rent, there are charging 1.9% fee instead of 2.6% (valid till end Jun 2020) and 2.25% fee on other payments instead of 2.6% (valid till end Jun 2020). This is indeed quite worth it! Use my Cardup promo code PEIFANGC906 to get $20 off your 1st payment if you are keen to explore!
ūüĎć 0

Ohm Energy

iSwitch

Geneco

Keppel Electric

Money FM 89.3 Show

SeedlyTV S1E08

What are the differences between the various electricity retailers like Keppel Electric, Geneco, Ohm Electricity and iSwitch?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Updated on 06 Aug 2019
Review: I have been using Geneco since January. The reasons why I chose Geneco: 1) They are very transparent in terms of price, no transmission loss charges, carbon tax absorbed, no hidden cost, no deposit required 2) They do a price match if you signed up for their 2 yrs plan. I emailed them to price match, and they responded fast- good after sales customer service 3) The bill is easy to read, simple, straightforward. My usual electricity bill is around $70. My current bill (based on the entire cycle with Geneco) comes up to $44. This is 37% less than the average of $70. The bill has been quite stable as well, $40+ for the past few months. 4) They are one of the main providers and thus reliable. I would personally recommend the 2 years plan since they do price matching within 7 days and the tariff is increasing! Total possible rebate= $78 (POWERSG78) + $50 (Standard Chartered credit card) + $20 (referral) = $148. A really good deal! :)
ūüĎć 1

Best Electricity

Keppel Electric

DBS Electricity

Diamond Electric

Ohm Energy

Senoko Energy

Geneco

Tuas Power

Electricity Retailers

SeedlyTV S1E08

Which electricity retailer are you using now and why?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Answered on 18 Jun 2019
Review: I have been using Geneco since January. The reasons why I chose Geneco: 1) They are very transparent in terms of price, no transmission loss charges, carbon tax absorbed, no hidden cost, no deposit required 2) They do a price match if you signed up for their 2 yrs plan. I emailed them to price match, and they responded fast- good after sales customer service 3) The bill is easy to read, simple, straightforward. My usual electricity bill is around $70. My current bill (based on entire cycle with Geneco) comes up to $44. This is 37% less than the average of $70. The bill has been quite stable as well, $40+ for the past 4 months. 4) They are one of the main providers and thus reliable. I would personally recommend the 2 years plan since they do price matching within 7 days. Total possible rebate= $68 + $40 (AMEX credit card) + $20 (referral) = $128. A really good deal :)
ūüĎć 2

CPF

CPF SA

SeedlyTV S1E06

Many seem to recommend transferring money from CPF OA to SA for higher interest rates, what kind of people should do that?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Updated on 14 Jun 2019
You can consider transferring if you do not intend to use your OA. OA can be used for housing, insurance, investment and education. Note that this action cannot be reversed. Hope it helps.
ūüĎć 2

Investments

CPF

I remember reading an article by someone about the existence of one ebook on how to optimise cpf top ups and stuff, does anyone know the name of the book?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Updated on 14 Jun 2019
Retire Smart: Financial Planning made easy, by Lorna Tan
ūüĎć 3

Investments

Savings

Lifestyle

What are you willing to sacrifice or give up to improve your financial situation?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Updated on 14 Jun 2019
1) sacrifice spending on material things. spend more on experiences instead. 2) spend time & energy on the people that matter most to u (family, close frens). life is short. the rest (eg social interaction) can wait. 3) nv sacrifice health n too much slp. staying healthy is e most impt for all e sacrifice to b worthwhile! ūüôā
ūüĎć 4

CPF

SeedlyTV S1E06

Can we get tax relief for top ups above $7K?
Germaine Chong
Germaine Chong
Level 4. Prodigy
Answered on 14 Jun 2019
We can get tax relief for cash top ups (capped at S$14k) - S$7k relief for yourself - S$7k relief for parents/ parents in law, grandparents/ grandparents in law, spouse or siblings
ūüĎć 2
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