Huang Yixuan - Seedly
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Huang Yixuan

I am a noob at finance stuff

Huang Yixuan

Product Manager at Seedly

About

I am a noob at finance stuff

Credentials

Product Manager at Seedly

Huang Yixuan

Product Manager at Seedly

  • Answers (50)
  • Questions (39)
  • Reviews (7)

Career

Lifestyle

COVID-19

Currently an interior designer, thinking of a career switch to UX UI designer. Any advice for my situation?
Huang Yixuan
Huang Yixuan, Product Manager at Seedly
Level 6. Master
Updated 4d ago
Hey there!! I'm the product designer of Seedly before I switched to PM (: 1. I didn't attend both, but from what I know, GA's courses give you a good preliminary understanding of design thinking and they match you up with real organisations to apply these in real life. 2. Companies do consider internship positions for people with no product design background and have gone through the 3months GA course. I would say from a hiring perspective, someone with a 3m GA course + 6m internship is far more attractive than a 1 year Poly course. 3. No such thing as too old to switch!!! Also 27 is not that old haha. Some other tips, since you do not have any UIUX background yetF you might want to see if you want to focus on one aspect first, either UI or UX. cause both requires diff skill sets and if you spend that 3 months sharpening one, it'd prob be easier to get good at that one than to pick up both at the same time. Are you more interested in human behaviours, research and crafting user experience? Or are you more interested in coming up with user friendly solutions and creating beautiful designs? You can also read up more now and start picking up UI design skills, like creating prototypes on Figma for example. One tip that I always give beginners is, go to Pinterest, or dribble and find a UI design that you really like, then just copy it! It will help you with your design sensibility and hone your techniques. All the best and let me know if there are other ways I can help!
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MileLion

Payments

Credit Cards

Cashback

I'm a working adult in my 30s and have never owned a credit card. I now realise the usefulness and benefits and would like to take the first step. Can anyone recommend 2 cards and why?
Huang Yixuan
Huang Yixuan, Product Manager at Seedly
Level 6. Master
Answered on 21 May 2020
Hello! I understand the difficulty of taking the first step there’s so many different cards out there and so many strategies to read up on! I use 1. DBS Live Fresh (cashback) This one gives me about $20-40 cashback every month, as Long as u hit $400 for online purchase and $400 for paywave. Recommended if u don’t use cash much and shop online often! Also gave me $80 sign up bonus at that point of time. 2. AMEX Krisflyer Ascend (miles) 3. CITI premiermiles (miles) Signed up for these two because I had big purchases to make so I managed to get my worth from the sign up bonuses, I racked up loads of miles for this. BUT Citibank didn’t give me the miles even though I spent 10k with their card, got me really mad cause I wasted the potential bonus miles. If you care about customer service and ease of reaching out to them, AMEX is the place to go. I would not recommend Citibank cuz I had really bad experiences with them, you can read about it in my review here: https://seedly.sg/reviews/credit-cards/citi-premiermiles-visa-card?rid=7215&utmsource=reviewshare&utm_medium=internal Anyway if you would like to compare which credit card to get, can try out our credit card comparison tool! There are loads of community reviews, so hopefully can help you better make a decision. All the best man (: https://seedly.sg/reviews/credit-cards
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Credit Cards

Healthcare

Miles

Cashback

AMEX True Cashback Card

Citi PremierMiles Visa Card

DBS

For at least $10k private hospital bill, what’s the best credit card to use - for both miles and cashback? Any tips and tricks to maximize rewards?
Huang Yixuan
Huang Yixuan, Product Manager at Seedly
Level 6. Master
Answered on 18 May 2020
Hello!!! From my experience, both Citi and AMEX clock miles for hospital bills. Let me share my Citi PremierMiles experience, I paid for my medical bills of about 7k with Citi PremierMiles, but bad thing is, if you did not declare this at the start upon registration for the card (that you want to pay annual fee), they will not give you those bonus miles!!!! It's really horrible cause after calling them they told me I cant get the bonus miles even if i wanted to pay for annual fee. I feel like I wasted my miles on this card! You can read an indepth description of my experience here: https://seedly.sg/reviews/credit-cards/citi-premiermiles-visa-card?rid=7215&utmsource=reviewshare&utm_medium=internal On the other hand, I had to pay for hospital bills a second time, and I signed up for an upgrade to AMEX ascend from my Krisflyer. This time, it was super fuss free, I got my 36k miles and their customer service was stellar. Can't advice you much on cashback but I think if there's first time sign up + bonus miles, miles confirm more worth it!
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COVID-19

Economics

From a microeconomics angle, how do you think the COVID-19 is going to affect individuals and businesses in 2020?
Huang Yixuan
Huang Yixuan, Product Manager at Seedly
Level 6. Master
Updated on 24 Mar 2020
Hmm I got D for economics but from my own reasoning Demand for goods and services decreases - people choose to stay in instead of go out, reduction in group gatherings - worries bout recession causes people to go into a “saving” mentality - anything Related to the travel industry gonna have HUGE loss in demand (eg, food, travel tech companies, hotel, flights, tours etc) Inefficient workforce (lower output) - Govt are enforcing work from home/ halt of businesses to continue, and ofc lots of people are getting quarantined - manufacturing, retail, fnb sectors gets affected Result in loss of revenue for many companies, so they need to think of measures to cut cost - lay offs - less pay (eg some companies make workers take 3 months no pay leave) Which will result in people spending even less, and the cycle continues...
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Savings

Investments

Lifestyle

Insurance

CPF

Stocks Discussion

Career

How does the Personal Finance Festival work?
Huang Yixuan
Huang Yixuan
Level 6. Master
Answered on 02 Jan 2020
Hey! The Seedly Personal Finance Festival 2020 is a one day event packed with simple and actionable content in the areas of Investing, Property, Insurance, Career and CPF by speakers well versed in the finance space. There will be booths, activities and talks. You can check out the full even rundown here: https://seedly.sg/events/personal-finance-festival-2020 Please Enter Promo Code EARLYSEED50 BEFORE Selecting The Ticket to get 50% off!
👍 0

Insurance

Where do you find your Insurance Agent from?
Huang Yixuan
Huang Yixuan, Product Manager at Seedly
Level 6. Master
Answered on 26 Nov 2019
Good question, I'm curious as well. I have acquaintances (FAs) coming up to ask me to meet for meals etc but I don't really trust those kind of people...
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Savings

Loans

Seedly

Credit Cards

Is there like a debt function that I can use in this app?
Huang Yixuan
Huang Yixuan, Product Manager at Seedly
Level 6. Master
Answered on 14 Oct 2019
Hi! If you open up a "Loan Account" in the second tab of your app, you can set the balance to negative, and subsequently, add "income transactions" to that account to keep track of your loan repayment!
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Investments

Investment Courses

What are some of the Investment Courses available for an individual in Singapore?
Huang Yixuan
Huang Yixuan, Product Manager at Seedly
Level 6. Master
Answered on 09 Oct 2019
Hey! Here's a list of investment courses providers and the reviews by users! hope it's helpful for you https://seedly.sg/reviews/investment-courses
👍 1

Insurance

Loans

Shopping

Credit Cards

Hi all, what platforms do you use when you want to get a loan, insurance policy or get a credit card? Are there any platforms that also provide recommendations?
Huang Yixuan
Huang Yixuan
Level 6. Master
Updated on 26 Aug 2019
Hey there! You might want to check out Seedly Reviews where users leave their experiences with these financial products, https://seedly.sg/reviews/credit-cards All the best!
👍 2

DBS Altitude Visa Signature Card

POSB Everyday Card

DBS Live Fresh Card

Fresh Graduates

DBS Multiplier Account

Credit Cards

Fesh grad going to apply for the DBS Altitude credit card with my DBS multiplier.?
Huang Yixuan
Huang Yixuan, Product Manager at Seedly
Level 6. Master
Updated on 22 Aug 2019
Hey! Is this your first card? For me the Live Fresh card is my base card because you get up to $20 cashback on online spend (total $400) and $20 cashback on paywave (total $400), I usually spend using these two methods so most months I can get $40 back. On top of that, for big ticket items like plane tickets or travel accoms I use another miles card to book!
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