Huang Yixuan - Seedly
Huang Yixuan

I am a noob at finance stuff

Huang Yixuan

Product Designer at Seedly

116Upvotes

About

I am a noob at finance stuff

Credentials

Product Designer at Seedly

Industrial Design at National University Of Singapore

Huang Yixuan

Product Designer at Seedly

116Upvotes
  • Answers (38)
  • Questions (23)
  • Reviews (4)

Credit Card

Bank Account

DBS

DBS Multiplier

DBS Live Fresh Card

POSB Everyday Card

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Answered 2w ago
Hey! I don't think it makes a difference as long as you have at least one credit card you spend more than $600 from DBS/POSB. I use the Live Fresh card as I spend mostly online and on paywave, usually about $800-$1000 a month.

Travel

General

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Answered 4w ago
Definitely possible. It just depends on whether you want to go budget or ball it up. I haven't been to japan after so long because I felt that to really enjoy japan I would need to spend money, so I would save up more for it. But I do think that 2k for one week is sufficient enough to spend decently in Osaka. Have a great trip!

Lifestyle

General

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Updated 4w ago
What charged you the $0.60? App store or your phone company? I use Telegram to make calls all the time and was never charged before!

Investments

Cryptocurrency

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Updated 4w ago
I heard it rose after Facebook's announcement about its cryptocurrency Libra. Not sure if it's going to become just a bubble again or people will actually use it. https://qz.com/1651598/how-to-make-money-off-facebooks-libra/

Credit Card

DBS

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Updated 4w ago
Hmm the first time I applied for my DBS Live Fresh was also similar situation to you, only received 2 weeks pro rated pay. They rejected initially but it was because I need to show a staff card or something, but my company doesn't have a staff card. So I just sound it up to them and in the end they expedited my issue and approved my card. You can try asking on social media haha.

General

Career

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Updated 4w ago
Hey! Here are some things you might want to take note of. 1. What do you want to avoid? What are the bad experiences that you've encountered? Bad boss? Tough hours? List it down and you'll know what kind of jobs you want to avoid. 2. What are your strengths? Any particular skills you have? Don't neglect soft skills! Perhaps you are very meticulous, or perhaps you are very good at talking to people. Keep these in mind. 3. What do you prefer? Would you rather fixed timing (eg. 9-5) or random hours (like your events job)? Does colleagues and work environment matter more to you, or pay? Don't be afraid just because of some bad experiences! It's all about luck actually and I sincerely do hope that you'd be able to find a job that you love in the end (:

Insurance

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Updated on 21 Jun 2019
I understand how you feel!! Happened to me last year also. Just started working and my friend (okay actually not really close but we hang around in a group sometimes) asked me out to talk about insurance and I felt bad to say no. But only afterwards I realised he didn't actually take the time to talk to me to understand my needs, but only just generically tried to sell me a whole life insurance. And when the insurance underwriters rejected my application due to my exisiting health conditions, he tried to push me to get an endowment plan instead. Now I just ignore him when he texts me cause he was just too pushy and I don't think he actually cared bout my welfare. I think when you realise that your friend is using the "friend card" to guilt trip you into buying insurance for him, you need to decide if he is really your friend and if he is somebody you want to keep in your life. These things can show their true colours. Hope you manage to siam this!

Travel

Lifestyle

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Updated on 21 Jun 2019
Hey! Here are some simple things I do before making a travel purchase (: 1. Make sure you use the right credit card! For example, I know UOB Prvi Miles gives 10mpd for Agoda and 7mpd for Expedia, you might wanna use those booking sites to maximise your credit card rewards. 2. Look out for deals in places like Shopback which can stack with existing promo codes AND credit card rewards. I always make sure to use Shopback cause they have AWESOME hotel cashback, try to book during upsize cashback periods! There was once I booked a hotel for $400 for 5 nights, and there was 18% cashback so I got back $72 Also, are you doing a solo trip or a group trip or a couple trip? Anyway, if you wanna go budget and have a great time experiencing different things, I strongly suggest doing a few cities in Vietnam! I went to HCM, Da Lat and Mui Ne previously. This is for a 7 days trip (I spent $600 incl accoms, flight and expenditure, not a budget trip!) HCM needs no introduction, there's bars and cafes and museums etc to go to. Da Lat is a quaint little town with loads of hipster cafes and it's 18deg ALL YEAR ROUND. You can book an easy rider day tour, where you'd ride behind the guide on his motorcycle around the vietnam countryside (it's super chilly and shiok) and have coffee in the middle of the mountain. Mui Ne is a beach side town, and there's sand dunes there! So we woke up at 4am in the morning, took the 4wheeler up the sand dune, it's literally a desert and watched the sunrise. AMAZING. and then in the evening we went to the beach and watched the sunset. Hope you find a good place to go and happy travelling!

Credit Card

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Updated on 12 Jun 2019
There are two ways to get your fee waiver. 1. Request using Phone Banking - Dial 1800 111 1111 (from Singapore) or (+65) 6327 2265 (from Overseas) . - For English menu, press 1 . For Mandarin menu, press 2 . - Enter your NRIC / Debit Card no. / Credit Card no. or Phone Banking User ID . - Enter your Phone Banking PIN . If you don’t have a Phone Banking PIN, press 1 . - Press 2 for our Fee Waiver Menu. - Press 1 for Credit Card Fee Waiver or Press 2 for Cashline Fee Waiver. The Bank will review your waiver eligibility and an SMS will be sent to your registered handphone number within 3 working days. 2. Request using any card and pin - Have any Credit/Debit/ATM card number and pin number ready (doesn't have to be your credit card that has the late fee) - Enter this website https://www.dbs.com.sg/personal/support/card-waive-credit-card-cashline-charges.html - Click on "Request using any card and pin" - Enter your card number and pin number - Submit late fee waiver request

General

Seedly

Huang Yixuan
Huang Yixuan, Product Designer at Seedly
Level 6. Master
Answered on 11 Jun 2019
Hey there! Currently we do not have a feature to support recurring transactions unfortunately :( But don't worry, the product team are working on better features to improve the user experience of using the Seedly Expense Tracker!
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Level 6. Master
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