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Guo Hao Teo

Personal finance enthusiast in Singapore

Guo Hao Teo

Self-Taught Enthusiast at Personal Finance

About

Personal finance enthusiast in Singapore

Credentials

Self-Taught Enthusiast at Personal Finance

Guo Hao Teo

Self-Taught Enthusiast at Personal Finance

  • Answers (52)
  • Questions (2)
  • Reviews (1)

Citi SMRT Card

Grab

Credit Card

Citibank

Shopping

No it is not. Especially now that the terms are newly set. Most of the grabpay topups are excluded from online transactions now. You can double check!

MileLion

Credit Card

Standard Chartered Visa Infinite X Credit Card

Standard Chartered

Miles

Yes i think you still qualify as it is when your card was approved date, not activated date. But best thing to do is to call them to confirm this. Cheers!

Seedly

Seems to be working fine for me? Dis you try reloading the app? Im replying from within the app itself.

Citibank

Credit Card

You can call in and try cancelling. However i tried doing that twice but they very slow to reply. Planning to head down to the branch to do it instead.

Stocks Discussion

Investments

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 02 Dec 2019
Hello Belinda, I think given the current investing environment, you may want to consider Dividend Income ETFs. I dont work for any investment company and these are my own thoughts and what i currently do as well... For example: The Sing income ETF by philip capital. It gives you diversity at low costs with 30 different component stocks quite similar to the STI ETF, but more focused on income producing stocks instead. The full breakdown would be as such: Financial Services – 39.1% REIT – 17.45% Industrials – 16.63% Telecommunications – 16.03% Consumer – 7.37% Others – 2% Real Estate – 0.40% Dividend Yield The index’s weighting scheme maximises yield and anchors the portfolio in the most liquid and stable companies, while capping security weight as a risk control. Individual security weights are capped at 10% to avoid excessive security concentration and to enhance diversification. You can read more here: https://www.poems.com.sg/phillip-sing-income-etf/

Keppel Electric

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 20 Oct 2019
You can contact them at their support helpline!

Career

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 19 Oct 2019
Hello there! You should consider why you are not enjoying your role. Usually based on my younger juniors at work i see that in the probation months it is usually a period where you are trying to figure out learning at the start. You may be uncomfortable but that is where you are learning the most. Find mentors and seniors who can help guide you before really quitting to find a new place. If you have less than 3 months at a certain job role, it is not enough time to fully appreciate the scope of it. Hope this helps. :) Hope others can help chime in also!

SeedlyTV EP02

Miles

Citi PremierMiles Visa Card

MileLion

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 19 Oct 2019
I think i have seen my peers using UOB PPV for apple pay. It gets you 4mpd for apple pay spend. However, it is also unclear when they will change the terms as they always tend to do as well. All the best!

Investments

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 03 Oct 2019
I made a loss of around $5,000 when my brother recommended me a penny stock which I invested in based on a stock tip. That was sometime back when I was in my university days. Ever since then, I have stuck to investing for the long game and that you should never invest based on just tips or ideas from friends/family. Stick to blue-chip, index funds, and ETFs.

Revolut

Multi Currency Cards

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 03 Oct 2019
I believe REVOLUT has already started onboarding their first users to the platform. Slowly, more waitlist customers are getting their cards and starting to use it already.
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Level 6. Master
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