Justin Kieran Ong - Seedly
Justin Kieran Ong

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Justin Kieran Ong

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Justin Kieran Ong

10Upvotes
  • Answers (19)
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DBS Multiplier

DBS Live Fresh Card

Credit Card

Lifestyle

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered 1d ago
Hi, just would like to add that the student card is really for students only. So if you're not currently enrolled into a poly/uni, you most likely will not get the card. If you have just graduated, you might still be able to get it but no guarantees. Once you have the card, you can keep it till it expires even if you're no longer a student. But most people will change as the cash back is only 0.3% on all spend.

Investments

REITs

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered on 10 Sep 2019
Just today, StashAway has a new Singapore portfolio. It has REITs now.

Savings

Bank Account

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered on 05 Sep 2019
For bank accounts, you get more interest per annum depending on how many catagories you can fulfill. So you'll have to see which makes give you be most with your current lifestyle

Credit Card

DBS

Expenses Tracking

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered on 27 Aug 2019
For me, I just manually enter everything into the Seedly app. It's more convenient for me to enter the cost on the spot so I don't forget. I got around the 2-3 day waiting time by changing the speed required for SMS notification to $1. You won't get the notification for recurrent payment though (eg insurance, bills) so you still need one of the DBS apps to confirm every week or so.

Credit Card

Savings

DBS Altitude Visa Signature Card

DBS

Expenses Tracking

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered on 14 Aug 2019
As a fellow DBS CC user I feel your pain. What I'm currently doing is manually entering into the seedly app as I find it the most convenient (no need to remember and key in at home, can track immediately). I have reduced the SMS alert for my card to anything over a $1 transaction. This way I have a record of most of my CC spend on my SMS to double check. Lastly, I check the ibanking record every week as there are certain transactions that are not SMS to me (like recurring transaction for phone bills)

Savings

Lifestyle

Bank Account

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered on 14 Aug 2019
OCBC 360 is only good if you can hit the multiple requirements. If you can't, I'd suggest the multiplier account. It's easier to get the 1.8% and up. You wouldn't need to change the account your salary is credited to either and only $1 needed from your credit spend monthly as long as you meet the monthly transaction requirements. This is just my opinion as someone using the multiplier account.

DBS Altitude Visa Signature Card

DBS Multiplier

Credit Card

DBS

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered on 13 Aug 2019
Any credit cards under your name can be seen on the ibanking portal home page as it's own "account". From there, you can see all the transactions much like a normal bank account (though it usually takes a few days for you to see the actual transaction) When the payment is due, you can choose to pay using funds from your multiplier account. Eligible transactions from any DBS / POSB credit card under your name will add towards your monthly transaction under the bank and earn tab. I hope this helps

SeedlyTV EP07

P2P Lending

Investments

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered on 01 Aug 2019
P2P in Singapore, while better regulated, still has its fair share of risks. You should probably look into other stocks, REITS, ETC before P2P if your goal is diversification. If you have done all that and still would like to try P2P but are unsure, then probably start with what you're willing to lose to test the waters and see how that goes.

Stashaway

Robo-Advisors

Investments

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered on 27 Jun 2019
Started in SEP with 20% just before the market correction last year and DCA of $100. I'm up 10% to date.

Education

Lifestyle

Family

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Updated on 07 Jun 2019
I am answer thing this from the viewpoint of a gamer. While he is monetizing his hobbies, do keep an eye on how long he spends doing it. Remind him that he has other priorities. Another point to note is what he is selling and how he gets the items. If he is earning the items with his own hard work then it's good and all but if he is buying the items and selling them for a higher price or putting it up for auction to the highest bidder it may be time to step in before it becomes something like the CS GO lotto. Also, Korea just legally criminalized game boosting where you pay someone else to level up your character.
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Level 3. Wonderkid
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