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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 (57)
  • Questions (4)
  • Reviews (1)

Cancellations

Travel

Travel Insurance

COVID-19 Refunds

You will need to access the booking page on you mobile app or website and simply drop them an email to share that you are looking for a refund 1. If your booking on hotel room is cancel with no charge, you can do it automatically. 2. If it is fully paid you can drop them and email or call and likely you can get Agoda cash to use within 6 months of date refunded Hope this helps!
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COVID-19

KrisFlyer

Travel

COVID-19 Refunds

From what i know a relative got a full refund for flights before May 31st 2020 across the world not just china. There are of course some restrictions which you will need to find on their online T&C
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Policies

General

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 18 Feb 2020
I think 2020 and 2021 are going to be very challenging for the Singapore economy as we will be directly affected by the COVID virus outbreak and it trickles from one part of the economy. A potential year long recession could be in place for this to happen. - One sector gets hit very badly (tourism) - Unemployment increases - People lose their income - Consumer spending decreases - Affects retail businesses The cycle continues and we slowly enter a recession unless monetary policy changes and we get a boost to consumer spending or keep as many businesses alive past these 2 years.
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Revolut

Savings

Cashback

Credit Cards

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 18 Feb 2020
If i am not wrong, revolut transactions are still classified as a online transaction spending, hence it makes sense to use either cashback or miles cards which allow online transaction spending to classify as a proper online transaction to earn rewards. For me i use my OCBC365 card since i cant use my AMEX to top up my revolut account. It helps me hit my min spend to achieve my f&b cashback which is decent
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Seedly

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 18 Feb 2020
Not that i know of. I don’t think their budgeting app allows for this to work. Ie you cannot do a recurring transaction for the budgeting unlike other expense tracker apps online or on app
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Citi SMRT Card

Grab

Citibank

Shopping

Credit Cards

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 04 Jan 2020
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!
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MileLion

Standard Chartered Visa Infinite X Credit Card

Standard Chartered

Miles

Credit Cards

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 04 Jan 2020
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!
👍 0

Seedly

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 04 Jan 2020
Seems to be working fine for me? Dis you try reloading the app? Im replying from within the app itself.
👍 0

Citibank

Credit Cards

Guo Hao Teo
Guo Hao Teo, Self-Taught Enthusiast at Personal Finance
Level 6. Master
Answered on 03 Jan 2020
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.
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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/
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