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Jay Liu

22, NSF in RSAF

Jay Liu

Sleepyhead at Land of Dreams

157Upvotes

About

22, NSF in RSAF

Credentials

Sleepyhead at Land of Dreams

Jay Liu

Sleepyhead at Land of Dreams

157Upvotes
  • Answers (193)
  • Questions (24)
  • Reviews (5)

Career

General

Jay Liu
Jay Liu, Diploma in Accountancy at KHEA
Level 6. Master
Updated on 19 Jul 2019
If I'm the hirer I'll give everyone a chance. But impose a 1month probation with intern pay and compare their performance. Get the best performance one. But sad I'm not a hirer:((

Investments

Jay Liu
Jay Liu, Sleepyhead at Land of Dreams
Level 6. Master
Updated on 07 Jun 2019
Read and read. Maybe take an online course/youtube on accounting to learn how to read financial reports. The basic I think 1 should know will be the commission fees, fund managers managing the product, use fundamental analysis to determine whether is it good to invest in, is the price over valued. Most importantly is to read news on news article or simply at SGX to see their outlook/ acquisitions.

Savings

General

Jay Liu
Jay Liu, Sleepyhead at Land of Dreams
Level 6. Master
Updated on 07 Jun 2019
Adopt a '3 day rule' habit to avoid impulse buying. Give yourself 3 days to think whether to purchase the product. Normally for me, the 2nd day I'll forget about it and remembered it weeks after. Then I give myself a 3 day rule again. And if it's determined as I really need it, I'll get it.

General

Jay Liu
Jay Liu, Diploma in Accountancy at KHEA
Level 6. Master
Updated on 07 Jun 2019
If you have skill-set that is able to make profits e.g. Electrical engineering background. You can construct a circuit that target a group of enthusiast. e.g. Handmand drone. And then provide the service of making a drone and sell it on carousell upon deposits. Think along this line and find what skill-set do you have that is able to generate extra income.

Investments

SeedlyTV EP07

P2P Lending

Jay Liu
Jay Liu
Level 6. Master
Updated on 07 Jun 2019
My lowest rate I invested in was 9.6% and highest was 16.20%.

Family

Lifestyle

Education

Jay Liu
Jay Liu, Sleepyhead at Land of Dreams
Level 6. Master
Answered on 10 Feb 2019
I started working when I was 15. As long as its kept minimal(weekends, school holidays) and focusing on studies during exam period.

Lifestyle

Family

Jay Liu
Jay Liu, Sleepyhead at Land of Dreams
Level 6. Master
Answered on 10 Feb 2019
Nope. Reunion gatherings during CNY is more important than the amount in the ang pao to me.

Investments

Jay Liu
Jay Liu, Sleepyhead at Land of Dreams
Level 6. Master
Answered on 10 Feb 2019
Don't have to link with SSB. Your CDP account link to a bank account. After the linkage you can just buy the SSB issue from the bank app/ website/ head down to the atm. When purchasing e.g. $500 do have an extra $2 for the processing fee. So total amount will be $502 when purchasing. :)

Fixed Deposits

CIMB FastSaver

Savings

Jay Liu
Jay Liu, Sleepyhead at Land of Dreams
Level 6. Master
Updated on 25 Jan 2019
HL Fixed Savings Account base interest is 0.15%. It's up to 1.65% incl. bonus interest with min. GIRO of $200. That additional 1.50% interest is only given twice a year in Jan and July. Bonus interest is credited if GIRO transfers are not withdrawn. Rather you just open a CIMB fastsaver 1% no frills account. Dump the rest of your cash in SSBs. Higher than 1.65% with conditions to fufil.
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