Jacqueline Yan - Seedly
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Jacqueline Yan

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Jacqueline Yan

Content Strategist at Seedly

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Content Strategist at Seedly

Jacqueline Yan

Content Strategist at Seedly

  • Answers (36)
  • Questions (3)
  • Reviews (0)

Savings

Standard Chartered

Standard Chartered JumpStart Account

How do you calculate exactly how much savings interest you will receive?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Updated on 04 Feb 2020
Hi anon! The date of deposit definitely does affect the amount of interest you'll get as the JumpStart account calculates interest on a daily basis but credits it at the end of the month. So in your case, no interest was earned from 1 Nov - 18 Nov since you have yet to deposit anything. Your daily interest would have been (2% x $5,000)/365 = $0.2739, given that your deposit was done on 19 Nov, you accumulated 12 days of interest, $0.2739 x 12 = $3.286, aka. $3.29. Hope this helps!
👍 2

Savings

UOB One Account

OCBC 360 Account

Savings Accounts

Credit Cards

Should i consider OCBC 360 Account or UOB ONE Account?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Answered on 04 Feb 2020
Hi Anon! Since your concern is being able to hit the $500 credit card minimum spend for higher interest, I'd say OCBC 360 is a better choice? I don't have a UOB One account but it seems like earning higher interest definitely requires you to spend at least $500 on your credit card. So even if you managed to fulfil the other criteria (salary credit of at least $2k OR 3 GIRO transactions), you still won't get the higher interest if you don't hit your CC minimum spend. On the other hand, all the bonus interest you can earn are standalone categories. If you managed to hit the minimum spend + salary credit, then you'll get two categories (and very likely also the Boost & Step-Up categories since you don't that much). But if for a particular month that you don't hit the minimum spend, you'll still be getting bonus interest for salary credit (and again, likely Boost & Step-Up). Personally, when I was taking on an internship, I was still earning bonus interest from the other categories even though I couldn't hit the min. $2k salary crediting category. Hope this helps!
👍 2

Property

Thanks for the easy to read articles. Could you do one for hdb upgrading to EC? It has been quite difficult to find articles on what upgraders need to look out for?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Answered on 31 Jan 2020
Hi Kenneth, I'm glad the articles are useful! I'll share this idea with our team and see how we can work on it! 😄
👍 0

Lifestyle

Apple

Is apple watch useful? Which series should I get it?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Updated on 31 Jan 2020
Hi Anon! If you're looking for an affordable option, the Apple Watch Series 3 will be a good choice! The only reason why I didn't get it was that I'm on the Google Pixel! Also cuz I don't like square watches. 😅 Otherwise, if you're looking for alternatives, I've previously compared some of the best and affordable smartwatches for different needs. I subsequently for a Garmin VivoActive 3, so I hope it'll help in your decision-making process!
👍 1

Investments

Savings

DBS Multiplier Account

Savings Accounts

Credit Cards

Does DBS's RSS (Invest Saver) tie in with the DBS Multiplier Account i.e. fulfilling one more category under "Investments"?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Answered on 30 Jan 2020
Hi anon, Yes, it does! However, it's stated on DBS's website that it'll only be recognized for the first 12 consecutive months. And that's only if you start the RSS after your Multiplier account is open. A way to go around this is to terminate after 12 months and repurchase it after 6 months from termination, but that's not likely to align with your investment strategy.
👍 2

Savings

Fresh Graduates

Is it a general trend for 20 somethings to save or not save?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Answered on 30 Jan 2020
I'd like to think that the general trend is to save money! Though I feel it can be influenced by their upbringing and current financial situation. Some individuals may not feel the need to save much if they've never had to worry about their finances? Otherwise, most of my friends are pretty concerned about saving money!
👍 2

Savings

Comparison

Insurance

Car Insurance

Where can I get Singapore car insurance quotes online?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Answered on 28 Jan 2020
Hi Anon! Most of the car insurance providers have a quick quote feature on their website if you have a particular insurer in mind. Otherwise, you can always use sites like GoBear for a quick comparison.
👍 0

Lifestyle

Personal Finance 101

How do you justify expenses on concerts to catch your favourite bands/singers?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Answered on 23 Jan 2020
Anything to support our favourite musicians! 😍 While we should spend and allocate our money wisely, I personally believe that it's okay to splurge on something once in a while! I guess some people even factor a yearly budget for entertainment, whether it's concerts or musicals. At the end of the day, as long as it's within your means and you're not taking money out from your emergency fund just to buy the tickets, etc, I think it's fine!
👍 0

Lifestyle

Where to sell a second hand-cracked phone?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Updated on 16 Jan 2020
Can try checking out the shops at Far East Plaza, I sold my iPhone 7 for $320 last year! Mine had a slight chip so the rate might be similar? I can't remember which shop it was though!
👍 1

Lifestyle

General

Wedding

How much money to give at friends wedding?
Jacqueline Yan
Jacqueline Yan, Content Strategist at Seedly
Level 5. Genius
Answered on 16 Jan 2020
Hi Anon! Like Mark mentioned, we'll usually try to cover the cost of our seat. Imagine if everyone gave lesser than the table cost, they'll start off their marriage with a huge bill! If you need a quick reference since it differs by hotels, you can check out Seedly's guide on wedding ang bao rates! Usually, I've got extra consideration too, if they're a really really close friend, I'll try to give a bit more than the usual rate. Say the usual rate is $113, I'll probably round it up to $138 or something? Enjoy the food! :D
👍 0
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