Junus Eu - Seedly
Junus Eu

New to Seedly, but 10 years into my personal finance journey. Tap link for $10 on Youtrip and GET EXTRA $5 with the code JUNUS

Junus Eu

Top Contributor
641Upvotes

About

New to Seedly, but 10 years into my personal finance journey. Tap link for $10 on Youtrip and GET EXTRA $5 with the code JUNUS

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Junus Eu

Top Contributor
641Upvotes
  • Answers (372)
  • Questions (0)
  • Reviews (3)

Family

Lifestyle

Junus Eu
Junus Eu
Level 8. Wizard
Updated 12h ago
Curious - what is a long term date?

Property

Junus Eu
Junus Eu
Level 8. Wizard
Answered 13h ago
The main difference is that singles can only buy BTOs at 35. On a side note: Ideally the flat buying should not be one of the key reasons to getting married. Have seen couples marry for the flat, and they divorced before they even moved in. Needless to say, it was not pretty.

99.co Event

Property

Condominium

Junus Eu
Junus Eu
Level 8. Wizard
Answered 13h ago
Do you mean predicting BEYOND what is already shared as future plans? https://www.sgtrains.com/network.html Future Lines "New rail lines have been planned to be built in the next 15 years. These pages will provide a brief overview of the line history and its proposed alignment. The actual alignment of these lines have not been finalised yet." The Cross Island Line will be the eighth line to be introduced into the MRT system. Designed to be a fully underground and automated high capacity rapid transit line, it will be Singapore's longest underground MRT line and will span about 50km with around 30 stations across the island. The line will be opening in three stages from 2029, and will enhance east-west travel from Changi to Jurong Industrial Estate; serving as an alternative route for the East West and Downtown Lines. The eastern leg of the line will also extend outwards from Pasir Ris to Punggol.

Shopping

Junus Eu
Junus Eu
Level 8. Wizard
Answered 13h ago
I draw the line very clearly - I don't support on them because there is just no way to verify that the proceeds are going to the causes you think it is going to, especially when they are approaching you on the street. I did speak to one of them once, and my take-away is that a minority of what you pay actually goes to the charity. Most of it goes to them as 'salary'. If looking to donate to a cause you feel passionate for, go directly.

Savings

Family

Lifestyle

Junus Eu
Junus Eu
Level 8. Wizard
Updated 13h ago
I thought I was the only one who worries about parents spending unnecessarily! Interesting to see other people sharing the same concerns. For example, my mum deems weekly manicures and pedicures necessary O_O As such, I look to directly pay for food (stuff in fridge), essential toiletries like soap and shampoo, as well as big ticket expenses like mattresses, curtains, washing machine etc.

Marriage

Wedding

Lifestyle

Shopping

Junus Eu
Junus Eu
Level 8. Wizard
Updated 6d ago
ALL THE BEST FOR THE UPCOMING PROPOSAL! Given that it's a higher value purchase, definitely try to rack up either the miles or cashback on your card! It really depends on which jeweller you are intending to purchase from though. On a slightly related note - maybe don't spend so much on the ring. I always had the thinking that with prudent couples, they would just get a simple ring/wedding. If decades later, when the relationship really stands the test of time (and by then, savings would also have grown) - then splurge on a nice ring/holiday/party if you like. When I see couples break up within the first few years of marriage, I always think back on the extravagant weddings and proposals and wonder if it was worth it.

Family

Junus Eu
Junus Eu
Level 8. Wizard
Answered 6d ago
Yes, or maybe something health related eg. a hamper from Eu Yan Sang? It is well packaged, and also practical.

Lifestyle

Junus Eu
Junus Eu
Level 8. Wizard
Updated 6d ago
It's a funny but true story, but I once had an annual benefit of $2k for dental alone and I would go to get my scaling done so often that my dentist asked me not to be lazy 😂

Condominium

Investments

Property

Junus Eu
Junus Eu
Level 8. Wizard
Answered 1w ago
I've had a tenant (my first) who either didn't pay on time (he usually paid 1 month late), and in general was not contactable. That was a nightmare tenant. Thankfully, my second tenant(s) are a really nice couple! With regards to ease of getting tenants, it really depends on the area you are in. The key is in ensuring a high occupancy rate ie. don't leave the unit empty for too long.

Savings

Travel

Junus Eu
Junus Eu
Level 8. Wizard
Updated 1w ago
The age old Instant vs Delayed Gratification debate! ! I had the same considerations as you when I started saving in JC - do I travel now to see the world, or do I save up first? Here's my personal experience: 1. I valued saving money first This was largely driven by the compound interest - I wanted to save as much as possible, as early as possible. . 2. When I did travel on my own expense, I made sure to prioritize loved ones We can either travel alone, with friends or with family. For me, given the same budget, I would spend it with say, bringing my dad to a place he likes, as opposed to spending that for just myself or with friends. This was driven by: 1. Its good to bring parents to travel while they are still mobile 2. I come from a humble family, so most of the times we went to certain countries, it's the first time for them. I valued that much more than travelling with friends who might be island hopping in Bali every few months or so 3. Jobs with travel opportunities allow you to see the world as well I fully agree with you that it's key to broaden your horizons. I was fortunate (well, some of my friends would not prefer it) to have travelled to India, China, many parts of South-east Asia and the US before I was 25 because of my job. And as you would have guessed, business travel is largely paid for by the company. I actually valued travelling for business more than travelling for pleasure - in my opinion, it really allows you to see the country as it is for the locals, but not the curated tourist experience that one might experience if going there as a tourist. Some of the insights I have on India, I would not have gotten if I went there as a tourist with a group of friends who just wanted to go to the popular tourist sites.
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