HC Tang - Seedly
HC Tang

Sharing my experience & learning. Thank you for your sharing and upvote:)

HC Tang

Financial Enthusiast, Budgeting at The Society

612Upvotes

About

Sharing my experience & learning. Thank you for your sharing and upvote:)

Credentials

Financial Enthusiast, Budgeting at The Society

HC Tang

Financial Enthusiast, Budgeting at The Society

612Upvotes
  • Answers (490)
  • Questions (3)
  • Reviews (24)

Shopping

Lifestyle

Not necessary spending 1.6k, some stuck with old telco contract plan so slightly cheaper overall vs no contract sim only plan + buy at carousell / retailer at 1.6k or slightly lessor. The main reason: 1. Apple internal doc shows their phone lasts 4 years. My friend had a few models used more than 4 years, or an iPhone 4 still working quite alright now compare to any android phone that is more than 8 years ago. 2. Apple app store has better quality and build, the whole OS is more stable and consistently design, most of all the OS and app store lock user in for its seamless connections for data/information flow among all the apple products. The more that is in the Tech sector in tech design will know: 1. IOS is more secure than Android (not without bugs/loophole). Face ID is way ahead and secure than any Android facial recognitions hardware on the smartphone. 2. Its battery capacity degrades slower after 2 years of use than Android which is about 1 year. 3. Indeed many android manufacturer provides better hardware than Apple, better features. However, Apple is a consistent design from hardware to software, everything control tightlight and works tightly, with it's A series process that is actually 2 to 3 generations ahead of all Android processor, more power-efficient and usage of less RAM (where android always need to bundle now with at least above 4GB RAm to work smoothly while Apple due to better OS memory handlings, requires less than 4GB RAM to work smooths and every generations faster than any similar range Android hardware that has even better hardware). I can go on and on and I'm not Apple fanatics, I have many complains about Apple but in general, Apple still produces a better overall product, for many years since day 1 where they invented touch screen smartphone with app store that actually works for users from 2-year-old kid to 90 years old man. So I guess we're stuck... lol

Career

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 10 Sep 2019
Can go networking session, go talk to those already working in IT and business, see what's their day to day is like. If you can intern for it might be even better to get some feels on how is it like. Most of the time, what we study and expect the situation is at work is different. If you could intern for some of it, then the experience on working at the job would give you a sense of day to day light. What I'm trying to say is that, even study in Business is what you may prefer for, but the work might or might not be what you like. Same for IT. Finally, I would choose IT ($ ) over Business because I've tried both even though I'm from IT. I've switched to Business lately but still didn't really like it after a year of working on it... though it gives me more $ ..I still find daily I'm missing what I love to do most in IT, or development / UI /UX. After some soul searching, I decided to go back to IT because that's what I love to do most despite that the business position that i"m working on provides more $.. .but daily is a chores living /doing things that I find no passion on and it felt depressing. So go for what you love as long as you make sure the pathway to upgrade is providing enough for now and the future. Most of all, keep life simple so that $ doesn't become a driving for what you choose to do day to day. Not many gets to F.I.R.E early, thus we gonna work at least for 30 to 40 years +/-. So Do what you love, love what you do. Hope it provides a different perspective. All the best!

Investments

Career

CPF

Savings

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 10 Sep 2019
It's just rounding up, so it's fine. Furthermore, the reason for asking for past payslip is also as evidence, they will then calculate the given / new pay with this evidence to come out with the final amount. So it's safe. No worries.

Ohm Energy

HC Tang
HC Tang
Level 8. Wizard
Updated on 10 Sep 2019
Apply online. I choose OHM because of it's in the same bill as SP and older folks find it easy for them. Did my own analysis, best is 2-year fix plan or longer contract to lock in the price since price only increases, and never decrease. So go for the fix 2 or long year plan.

General

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Updated on 09 Sep 2019
I use honest bee which also have hawker. Also tried grabfood. The only problem with all three of them is that they always offer something nearby you only. So not that nice since most of it is also within walking distance where i can walk to buy. Nevertheless, check out Seedly review: https://blog.seedly.sg/food-delivery-comparison-deliveroo-foodpanda-honestbee-grabfood/

Ohm Energy

iSwitch

Geneco

Keppel Electric

SeedlyTV EP08

Money FM 89.3 Show

HC Tang
HC Tang
Level 8. Wizard
Answered on 09 Sep 2019
Seedly did a very details comparison among them and all the plans. if you have time, read it at: https://seedly.sg/reviews/open-electricity-market if you have no time or to save time, the best part i think they did excellent is the selection form: https://seedly.sg/compare/open-electricity-market This is because all others such as SP own app, energy marketing authority and many other website / apps from red source or other source, DOES NOT covers the hidden cost and charges burried in the T&C, Seedly dig it out and REMIND you under Hidden fees and other charges section (eg. https://seedly.sg/reviews/open-electricity-market/iswitch/chope-the-rate-12m?hti=3&eb=95&eu=370 ). i wish this tools come out earlier / faster before i switch , so i don't have to spend 4 hours digging thru all sources, retailers, read thru every T&C and own calculations on own usage to decide. Thus just use Seedly above electricity retailers selection page helps you to select is the faster and hassle free way. Just use this to decide: https://seedly.sg/compare/open-electricity-market Cheers. P/S: If you're keen to sign on for OHM, read me review at: https://seedly.sg/reviews/open-electricity-market/ohm-electricity?rid=1915&utmsource=reviewshare&utm_medium=internal Thanks

Stashaway

Investments

Robo-Advisors

Promo Codes

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Updated on 01 Sep 2019
Hi !investing with StashAway ? Sign up with my link and we'll both get up to $10,000 SGD managed for free for 6 months! https://www.stashaway.sg/referrals/hangchot2kwj See my stash away review : https://seedly.sg/reviews/robo-advisors/stashaway?rid=76&utmsource=reviewshare&utm_medium=internal Thank you

Electricity Market

Ohm Energy

Promo Codes

HC Tang
HC Tang
Level 8. Wizard
Answered on 01 Sep 2019
Same bill as SP if you prefer. Did my own analysis, best is 2-year fix plan or longer contract to lock in the price since price only increases, and never decrease. My ohm referral/promo code for your use: OHMREF124252 Thank you

Insurance

Investments

Savings

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Updated on 30 Aug 2019
Recommend MoneyOwl. Why? See: https://dollarsandsense.sg/moneyowl-previously-known-as-diy-insurance-has-launched-5-things-to-understand-about-its-insurance-advisory-platform-before-using-it/ Reply by it's on Exec Director: https://seedly.sg/questions/what-are-the-cons-of-using-moneyowl

Lifestyle

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Updated on 28 Aug 2019
They are posted by Provider (driver) and Requestor (Rider) who needs a ride. There's no middle man thus price is determined by Driver and if a Rider accepts the price quoted, then it's on. Otherwise, there's no deal.
Load more questions
Level 8. Wizard
612UpvotesGoal 1000
388 UPVOTES TO LEVEL UP
Browse Rewards
Top Contributor
Top Contributor
SEP · OCT · DEC · JAN · JUN