Jennifer Goh - Seedly
Jennifer Goh

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Jennifer Goh

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Jennifer Goh

22Upvotes
  • Answers (14)
  • Questions (0)
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Lifestyle

Family

General

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Updated on 18 Jul 2019
If you’re not very close to the person like a distant relative/colleague, give $10-$20 (give an odd number amount because odd numbers are associated with inauspicious events eg. funerals). If you’re quite close to the person $50-$80 will be acceptable. Hope the above helps a little! :)

Lifestyle

General

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Updated on 28 Jun 2019
Brand new technology! New versions are often replaced by another brand-new version within the next few months and the price of the "new version" you've just bought drops significantly. It is just a hype and not worth the extra money! : (cue to overpriced Apple product...) Hope the above helps a little! :)

Lifestyle

Savings

Shopping

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Updated on 24 Jun 2019
Ezrewards for the win! :D Sure, SimplyGo is easier to consolidate bills to one credit card but I enjoy the fun of collecting points from my rides on my Ezrewards app and score deals for Lazada, Food Republic, Starbucks...to name a few. All it takes is a little bit of your time but the reward is SO WORTH IT, try it out! Hope the above helps a little :)

Zero1

Mobile Plans

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Answered on 24 Jun 2019
Actually you can! How I did it without an IC... 1. Go to Zero1 website, create an account (name, email address, password) 2. Click "The Plan" on top of the page, select "Give me a New Number" and there's a list of numbers for you to choose from 3. Once you've chosen a number, proceed to "Order Summary" 4. Key in credit card details, agreeing to monthly auto-deduction then you're off to go! Hope the above helps a little! :)

Bank Account

Savings

Marriage

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Answered on 17 Jun 2019
Shortlisted top 2 savings account for couples giving you the highest attainable interest rate: 1. Maybank (Highest base interest of 0.3125%) 2. OCBC 360 Account (high bonus interest if you use their services like salary crediting, credit card spending and monthly increase of your account balance) Honourable mentions: 1. UOB One account 2. DBS Multiplier account/ POSB SAYE account (With salary crediting, investing and also credit card (DBS live fresh expenses), you’ll be getting 2.2% interest for your first $50k, neat!) 3. Standard Chartered BonusSaver Pro & Cons of a joint account Pros: 1. Useful for managing couple’s shared bills/ home expenses (simpler and faster than holding on to your bills and trying to split them all later) 2. Two pairs of eyes for oversight (Easier to keep track of finances because all expenses come out of one account) Cons: 1. Conflict (issues like student loans, credit cards, alimony, child support and other debts might make the other spouse feel responsible for paying the debts with the joint funds so communication is important!) 2. Danger in case of messy breakup (if the relationship ends, funds can be messy to separate) Whatever you decide, the most important thing is being on the same page with your partner from the very start. Hope the above helps a little! 😊

Investments

Loans

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Answered on 17 Jun 2019
If you consider that credit cards are loans, in a way, then you might just have an interest free solution. Besides credit cards, you won’t find any other type of loan free of interest. If banks gave everybody money, without earning something from the interest rates, they wouldn’t bare the name bank. Alternatively, you can try licensed moneylender (You can find a full list of licensed moneylenders on the Ministry of Law's website) it's speedier (30 minutes you can get the loan), faster and easier approval (they don't care if you've poor credit standing). The only downside is the higher interest rates. But should your investment prove to yield high returns, you'll be able to pay off the loans in no time :)

Lifestyle

General

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Updated on 14 Jun 2019
A degree is a gateway to enter the world of sucess but it doesn't guarantee success. Success in life requires a lot more things like skills, experience and grit. Just my two cents :) Professor Ben post/video has shed shared some light on 'Whether a college degree is still worth it' and more people should read it!

Insurance

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Answered on 14 Jun 2019
While a straight no is the most effective way to cut the topic short, I can imagine the rest of the conversation will be quite awkward... In that case... Indirect no ...by saying something like 'you need some time to think about investing an insurance as you've some other responsibilities and priorities...' If he/she persists, they're not respecting the friendship and they don't deserve your time coz a true friend will understand and stop bugging you about it :)

SeedlyTV EP06

CPF

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Answered on 14 Jun 2019
It is the government's interest to implement its policy once it is decided, if it is not made compulsory, it'll just be like the "Do not litter" sign. Medisave scheme is like a form of safety net designed to help Singaporeans save for their healthcare needs despite the rigidity of this policy. Like every schemes implemented in Singapore, each policy has its own pros and cons...let us all try to look at the brighter side of life :)

Insurance

Term Life Insurance

Hospitalisation Insurance (H&S)

Jennifer Goh
Jennifer Goh

()

Level 4. Prodigy
Answered on 14 Jun 2019
If you've already claimed your hospitalisation bills, you cannot do a double claim and claim from your other term insurance... Just my 2 cents from past experience doing insurance claims :) Source: https://www.clearlysurely.com/blog/educate-yourself/i-really-want-to-have-multiple-insurance-policies/
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