HC Tang
Financial Enthusiast, Budgeting at The Society
793 upvotes received
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Sharing my experience & learning from all the gurus here. Thank you for your sharing and upvote:)
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Financial Enthusiast, Budgeting at The Society
Top Contributor
(Sep, Oct)
  • Answers (329)

  • Questions (1)

  • Reviews (17)

  • Topics (2)

  • Asked by Anonymous

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 1d ago
    My point is rather different, if you know what you're doing, then go for it. After all, the journey to degree is for the sake of earning $ at the end of the day. If model can earn more, go for it hard and fast! Make a lot of $ with it! Just make sure you don't waste the $, invest what you've earn or start a business while you're doing modelling so you have something aloneside that is sustainable and may fall back on when you no longer want to model or up to certain age. Just like what Siti said, there's a shelf life as a model, while you have it good, make good use of the $ earn and reinvest into a business, equity and yourself for future. All the best ! :)
  • Asked by Anonymous

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 2d ago
    It used to be viable but as the early birds ate all the worms. I don't think it's that easy and viable anymore. With the availabliity of Taobao anywhere in most country, i can easily list items I source from Taobao and resell in Amazon USA. However, This also means that anyone in states can also buy direct from Taobao. I have friends as far as Brussel also buy direct from taobao. So what makes the eBay on the other hand , it's dead! I have not made a single sales on eBay in the last 7 years since the rise of Carousell and Taobao. Not to mentioned the rest like Lazada, Shopee, Ezbuy etc. Thus i've long abadone eBay and channel to other platform. It is possible, just like any other business. It takes quite a bit of hard work, long term persistent to and pivoting find the right product / market mix and the rest of the effort such as marketing, customer services. WIth current states of things, it might take at least 3 years to see some sizable fruits by the business, provided the business owner persisted and sustained. However, if you have a product that few or only you can supply , there you have a USP (Unique Selling point / Product) that you can work hard and build on. Good luck! :)
  • Asked by Anonymous

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 2d ago
    I think it's a good choice. Since you can get 2.2% for DBSM, it's the highest. Rather than keep in SSB and stuck and wait for 10 years, with DBSM, the liqudity not only gives you the right amount of emergency cash liquidity, it also a good way to accumulate war chest and strike go for a shopping sprea during the next downturns. Not to mentioned that DBSM interest paid monthly over the 7th of next month. I would always see as $ in my bank a/c / pocket NOW is better than SSB which is like 6 months later and to realized the full 2.4 / 2.5% I have to get stuck 10 years, that would means I'd miss a lot of good opportunity since a lot of things can happen in the 10 years period. I second your choice! Cheers !
  • Asked by Anonymous

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 2d ago
    Stay. Afterall, work is all, you just happen to fall in love. Just like school, can couples in the same class quit school or transfer to another class ? I believe as long as you guys keep work professional and r/s private, it is alright. Just don't let it affect what you guys do at work will do. The questions is, what has workplace couple has to do with bringing work home to do ? ??
  • Asked by Daniel Lee

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 4d ago
    I really have no fix frequency but at most twice a year. 1) Have a target trip the total cost then save monthly until you reach the total amount requires for the trip. or 2) Just save for a general budget for travelling. Google blogs where others would have shared the total cost requires, add in 10% more just in case. I think the key is to save monthly such that it doesn't derail your yearly plan / long term and one won't just waste all bonus or AWS or savings into a trip :) - Best way to save $ = DIY instead of tour/package :) - Self drive so can decide where you go when you wanna go. - Share with at least 4 friends and use AirBnB. - If is only 2 then go for Hotel / Motel. Have a good holiday! :)
  • Asked by Anonymous

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 4d ago
    Most meaningful gift without spending lots of $: your time and attention Spend some time together have a meals , a walk in the park or anywhere scene. We only have limited amount of time and attention in modern days, which is the most precious gift you can give to anyone and create good lasting memories πŸ˜„πŸ‘ŒπŸ‘
  • Asked by Anonymous

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 1w ago
    Truly travel experience with seeing it yourself is an experience that cannot be replace. However, there's nothing wrong for being frugal. I am a frugal person too. You have a target, knowing to save for future and work hard for it. It is a good attribute. Don't regret, you're still young. There's plenty of time. I suggest you start with : 1) Reading travel blog. 2) Viewing travel video. 3) Read lonelyplanet (library has it too) Continue the hardwork, someday you'll be in a position where you'll need to travel for work. With that you can ask to extend your ticket to come back later, where you only need to pay for the extra days on weekend hotel, food etc. This will help save a lot and yet still get to travel. On the other hand, after you've read / view quite some travel blog / video, you can target to start with Bangkok / thailand / taiwan, it won't cost so much and research about how to save during your trip. Find 3 friends who wants to go also and travel together to share and save cost on accomodations, transport or event air ticket and work out the cost. Allocate a small budget monthly and work towards it to fund your total cost of this and try to go like at least once a year. It can be nearby and start with these places, slowly when you earn more then you can go further :) At the end of the day, beside relax, recharge, it is also a way to enrich your life :) Don't need to #FOMO but also need to balance and enjoy life a little :) As always, many experience travellers here in Seedly or over at Shopback Smarter Way community and you can always ask questions and someone would always be happy to answer your question and share their experience :) It's never too late to start :) Happy Planning! :)
  • Asked by Anonymous

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 1w ago
    Suggestion is: NO. Don't give up Uni for a job. Because educations = With you whole life once you've learned! Especially degree is basic in Singapore. Work / Job = This is only your first few job, you'll need to move on some day! Without a degree, it is harder to find better job. No matter what others may say, there's always a MNC that does first level discripmination that requires a degree. Without a degree won't even pass thru the HR screening system. I have a better suggestions for your considerations: Talk to your boss. Discuss to arrange work part time. since you won't be having class everyday. Try to arrange it such that you can continue. It might be more tiring but you'll gain experience, able to save $ and do more than your peers and when you've completed your degree course. You're no longer a fresh graduate but an experience degree holder that will have higher chance of getting into a better company or getting a better deal in current company. All the best. :)
  • Asked by Anonymous

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 1w ago
    latest changes to all the cards for best cashback for trip will be: CIMB Signature Visa and master https://www.cimbbank.com.sg/en/personal/news-and-promotions/promotions/cards/10-percent-cashback.html For Air ticket and all travel related expense, use the CIMB Signature master to get 10% cash back, cap at $50 per category, min spend $600. Now sign up get also $80 welcome cash back for main card and $40 for sub card, just need to spend $400 (total) in first 2 months. For forex usage , you can use DBS Debit card + DBS Multiplier account or Apply for YouTrip card (you can pm me for referral code to get free cash for new sign up). Cheers! :)
  • Asked by Anonymous

    HC Tang, Financial Enthusiast, Budgeting at The Society
    329 Answers, 793 Upvotes
    Answered 1w ago
    Yes it does. See: https://www.dbs.com.sg/iwov-resources/media/pdf/cards/dbs-lf-acqui-offer-q4-2018-tnc.pdf it's not in the list of exclusions then it's quite safe. You'll get also 10% cash back. Youtrip only good for travel to pay for items / trips / stuff overseas.
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