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HC Tang

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

HC Tang

Financial Enthusiast, Budgeting at The Society

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

  • Answers (530)
  • Questions (10)
  • Reviews (29)

Career

COVID-19

You can still look out finding new jobs but ensure it is one that is stable , just in case. Be sure to resign only after you found new job otherwise cost of living without income will be hard to maintain. All the best.
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Payments

Credit Cards

2 things you can do: 1. Talk to the service provider that you wish to cancel the service and if they agree, check the lost that you will be incurring (usually full amount less amount / charges of services that you have consumed), which is a lot but better than nothing or better than continue paying something you don't need. 2. If the service provider do not agree to any form of cancellations without partial refund, write in to CASE and go down and talk to the officer with your receipts, invoice, payment etc and they would be able to provide alternative options. Hope you may cancel the plan and get back some $. Cheers
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Career

Salary

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 26 Feb 2020
Did waiter, drinks seller, sushi seller, cashier, delivery man, cyber cafe operator, PC / laptop technician, lighting install man, translator and many more. Most unique / quirky part-time job will be : Wood factory touch up odd jobs workers to touch up every pcs of board! A taste of how factory workers life is like.
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Citi M1 Card

Circles.Life

M1

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 22 Feb 2020
No. Honestly it doesn't have any good benefits. In the beginning it still have free monthly data if you pay m1 bill via it. However, the free data add on is only for one year. Since you're going to CL, then this card has no value unless you only wanted to keep a Citibank card but there's other Citibank card provides better benefits.
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Family

Payments

Miles

Cashback

Credit Cards

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Updated on 19 Feb 2020
Tian Wei Signature at : https://www.tianweisignature.com/confinement-meal-booking/ mainly because they offer a mix of Chinese and fusion dishes, and have good reviews (both sponsored and organic) online. Cost: from $1,560+ for 28 days (after discount) of lunch and dinner if you book at least a month before your expected delivery date (portions are so big that you can share with your MIL! So you can focus on rest and possibly breadfeading and she can focus on helping you to take care of the baby instead of food / confinement herbs see below) . Finally, for below 3 will be required for body recovery in 28 days portion: 1) Red date tea - Boost blood circulation and immune system. It is also a replacement for water intake during confinement. 2) Herbal tonic soup - According to TCM practitioners, confinement diet should be adjusted at each stage to restore mother's health 3) Confinement herbal bath - Expel the excess “wind” during confinement to prevent the occurrence of “wind-dampness syndrome” (风湿 feng shi) in later age at https://pemconfinement.com/services/confinement-herbal-package/ Congratulations! Stay happy, relax and recover! :) Ref: https://www.sgbudgetbabe.com/2019/02/how-to-diy-your-own-confinement.html
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Lifestyle

HDB BTO

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 17 Feb 2020
Hi First you can read about Seedly work on both: https://blog.seedly.sg/singapore-step-by-step-guide-applying-bto-hdb/ This piece has done a good analysis, hope it helps you too: https://blog.moneysmart.sg/property/hdb-bto-launch-feb-2020/ Personally, i agree with the author, TPY Ridge is a better choice, afterall TPY is nearer to town and really easy to come in / go out day in an day out We're talking everyday at least 2 trips!: 1. Right next to Caldecott MRT and Braddell MRT, so you have access to both the circle and north-south (circle) MRT lines for easy travelling of yourself and future children and less noisy than Toa Payoh Central, to have good sleep and peace. 2. Near to the Thomson / Marymount area, where there’s a lot of good food. 3. Good schools located nearby such as CHIJ Toa Payoh, Raffles Girls’ School and Marymount Convent for future children 4. Good schools within a 2km radius can boost your property value significantly in the future should you decide to sell and upgrade! If you like my answer or think that my answer is useful or my answer has help you, please do upvote / like my answer / reply. Thank you :)
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Lifestyle

General

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 17 Feb 2020
Can ask @Kenneth Lou to share his experience and recommned as his trainer Jay is quite good!
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Investments

Robo-Advisors

Promo Codes

StashAway

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Updated on 17 Feb 2020
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 So far Stashaway have quite good performance among all robo-advisor. See Seedly' own user direct review: https://seedly.sg/reviews/robo-advisors/stashaway
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FIRE Movement

Career

Savings

Family

SG Budget Babe

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Updated on 17 Feb 2020
Hi Wow, I think you've saved a lot and done quite well for yourself. Bravo! On the FI side, you can still plan for your FI, but have you ask yourself, after FI, do you also want to RE ? Since you didn't state that you want to FIRE, hence you have plan to do something after FI. So what is it that you wanna do ? or can you join your father as the things to do after FI ? It would be quite meaningful and nice to build a business together father and son and pass on the legacy, afterall, how many can proudly say they have co-founded a business with their father and it prosper ? From you Q&A, I sense that you're much better managing financial. For your father biz income and expenditure side, suggest you take over that part first. He might need to find supplier that offer terms (unless is for better pricing), because usually no terms means upfront to get better purchase price with greater discount. On the other end, customer will always delay as usual. Since he's selling industrial factory equipments, it means the cost would be rather high, try to google the market see how other does it , I believe it could be having to charge his customer partial payment by phases (like renovations payment going by 5 phases or more) to ensure benefits and cash flow of both side. Industrial equiment usually means quite niche, and requires professional knowledge and experience on it, thus entry is quite hard and competitor will be lessor. Do some SWOT analysis of the industry, where his biz stands, what does his competitor does and he doesn't ? Talk to his customer to find out what do they want and what is really missing in the industry ? That will be your USP (unique selling point) , where you can help sculp the biz to focus on that. Once you have the competitive edge, you can always demands some advance payment or phase payment for those difficult customer. In short, I think he needs more help managing the details of the business than just $. Everyone has it's strength in 1 or few area and some area others will do better, that' may be the part where you can help. Finally, discuss with him, helping him managses his biz finance and personal finance may help him to plan his own retirement better (which in turns avoid yourself becoming the sandwich gen). Try discuss nicely with him and later with your mum, afterall you're famiy and they are your parents, so you'll be somehow someway requires to deal with family financial as all kids grow up. After all, parents raise their kids to be better right ? :) so now you're betterin managing financial, then it's time to help , which also helps yourself too :D Together work as a family! That would be quite an achievement! :) Hope it helps shed some alternative thoughts too. Cheers. If you like my answer or think that my answer is useful or my answer has help you, please do upvote / like my answer / reply. Thank you :)
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Lifestyle

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 07 Feb 2020
Hi That will be Google Photo. Just download the app from Play or App store, opt for High Quality and your storage will be unlimited and Free. Once you uploaded all of the photo / video, can delete them from your device to save space. When you need to see / extract the photo / video, just go to the Google Photo app or Google photo website on computer internet browser. see the features / benefits here: https://www.google.com/photos/about/ It's fast up / download depends on your mobile connections signals / wifi connections. Since you're in Singapore, it will be always very fast to download. For upload, it's quite decent too but it won't be super fast because our connection is always faster for download than upload. Cheers. If you like my answer or think that my answer is useful or my answer has help you, please do upvote / like my answer / reply. Thank you :)
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