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Kdz

"No One"

Kdz

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"No One"

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Kdz

  • Answers (12)
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Savings

Bank Account

Lifestyle

SG Budget Babe

Kdz
Kdz
Level 4. Prodigy
Answered 4d ago
Hi Anon, Firstly, I am not part of seedly nor have I receive any benefit from them. So here’s my thoughst: I believe that the seedly application can be helpful to individual who are new in managing their personal finance. It’s like a one stop application to view and manage your finances. In terms of security I believe like many tech start-up it’s their primary priority you can find an overview of their efforts here , the co-founder also mentioned it in his interview here. If you are really concern you can read their privacy statement here or their terms & subscription agreement here. They also seems to provide updates when there are any security changes. However, you still need to do your due diligence and decide- like how you would when you use all other services online. I would say give it a try using your small accounts first then make your own evaluation to continue or close. Best wishes.

Investments

Kdz
Kdz
Level 4. Prodigy
Updated 2w ago
Hi, Below is an example of a buy order on Vickers: ! Let’s break it down: 1. Total contract value (TCV): How much your stock cost (number of stocks X your bid value) 2. Commission: For the bank. “for administrative etc.” 3. Clearing fee: TCV X 0.0325% (mainly for CDP “to help you transfer and hold your stocks after”) 4. SGX Trading fee: TCV X 0.0075% (for SGX services) 5. GST: 7% Total commission & fees: point 2-5 Indicative total: point 1-5. Others: Do note that this is for cash up front. If you bid through cash, it’s a little costlier. Fees may change overtime. As rumours has it, clearing fees may be reviewed in 2020. Suggest that you to calculate the total commission & fees % to see if its worth your bid. For further details on fees you can read here: https://blog.seedly.sg/the-ultimate-cheatsheet-cheapest-stock-brokerage-in-singapore/ For discussion on what is cash upfront vs cash you can read here: https://seedly.sg/questions/what-is-the-difference-between-dbs-vickers-cash-account-online-and-cash-upfront-account For selling its similar depend on your option maybe others can pitch in. Hope this helps. Disclaimer: Please perform your own appropriate due diligence
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SeedlyTV EP02

Kdz
Kdz
Level 4. Prodigy
Updated 3w ago
I have experience with Shang golden circle, Radisson rewards and Punthill rewards. Some possible key points to look out: 1) Some requires you to book directly on their site to enjoy the points or rebates. (remember to sign-up successfully before booking) 2) Most have tiers, take a look what each tier offers. To sign up is usually free but to accumulate is ... 3) How many hotels are under the programme example TFE hotels have quite a lot like far east and Adina hotels etc. or golden circle you can use for Jen hotels etc. 4) When at the reception or room ask and look out for ways to earn points eg. requesting for no housekeeping can earn you some points etc. If you are top tier sometimes they will have your room customized (eg. position of the chairs, bins, type of pillow or blankets etc.) before you reach. Overall hotels with loyalty programmes are usually quite pricey so do look out for corporate, cards or airline links too.

Investments

ETF

Bonds

Stocks Discussion

Kdz
Kdz
Level 4. Prodigy
Updated on 29 Oct 2019
Hi Anon. Below is a screenshot on the list of bond ETF on SGX that you can consider. You can click on the ETF screener and do a similar search. Thereafter you may want to click on their respective documents to find out more eg. what the ETF constitute etc. I think most were just updated in September. ABF & XT are generally a "basket" of government-related bonds. Nikko IG generally consists of corporate bonds like LTA, DBS, Temasek etc. that are usually not offered to retail investors. You can also consider SGS bonds or T-Bills but they are not that "liquid". Recent SSB rates are not that attractive but it does offer some flexibility. Do take note of the different fees etc. for each transaction and each ETFs (usually at the bottom of the product highlight sheet). ! Please do your due diligence.
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Lifestyle

Expenses

Kdz
Kdz
Level 4. Prodigy
Answered on 27 Oct 2019
Usually up to you, based on your means, relationship with the couple and sometimes location/food varieties/decorations. Generally like Hariz said $50-$100. Otherwise, you can look up at the hotel's or country club's halal menu/table course rate as a reference, usually $100 upwards. You can pass the packet to the couple parents or to those taking care of the "main desk" when you head out of the venue.

Retirement

Savings

Stocks Discussion

CPF

Insurance

Kdz
Kdz
Level 4. Prodigy
Updated on 03 Oct 2019
Hi Adam, Seems like you had it well planned. I am going to adopt from Seedly Money Framework . - Firstly, you may want to review your finances (income, expenses, debts etc.) to see how much buffer / investable money you have. - Next start learning one asset class. If you are not sure what asset there are you can read the different types here. Personally I would suggest you try and familiarise with EIP ETFs, retail bonds (read/ study past offering documents) or blue chips stocks. - Then look at how you can diversify your portfolio in terms of asset classes and the country/region eg. EIP ETFs do offer some exposure to the Asia Pacific, EU, NA countries. - Then you may consider other classes eg. REITS, penny stocks etc. You may also wish to find out more from the Seedly Personal Finance Festival Highlights for some tips. - Apart from investing you may also want to consider omptimizing your CPF accounts if you are local, personally I try to top up my family Medisave accounts when I can. Importantly- please do your due diligence. Best wishes.

General

Kdz
Kdz
Level 4. Prodigy
Answered on 21 Jun 2019
You may want to check out The Flower Godmother . You can sort the price low to high, can costomize. Have some quite unique arrangements. She's been doing it for years, week in week out. Just another local entrepreneurial friend of mine.

Insurance

Kdz
Kdz
Level 4. Prodigy
Updated on 10 Jun 2019
Hi there, There is a joint initiative called Emergency Care Collaboration between MOH and private institution (PI) since June 2015. As of now I am only aware of 1 such institution. Under this initiative patient sent in by SCDF ambulances will pay a subsidised rate similar to those in public hospital (A&E fee, C-class ward & follow up in PI) - eligible to use insurance plan, pioneer generation, medishield etc. similar to those in public hospital. Helpful links: https://www.businesstimes.com.sg/government-economy/raffles-hospital-to-receive-patients-sent-by-scdf-ambulances-by-mid-2015 https://www.rafflesmedicalgroup.com/hospital/patients-visitors/emergency-care-collaboration-(ecc) For those not in, I am not sure. Nonetheless with the ever changing healthcare delivery eg. direct admission to community hospital etc. you may want to consider sufficient coverage if you have the means to sustain the premium till the end, some say it’s easier to downgrade then to upgrade. Just extra FYI, some considerations ambulance services may make before sending a patient to tertiary hospitals. 1) Severity of the condition. 2) Number & “type” of personnel responding in the ambulance (Paramedic Level 4 or 5, EMT, EN, RN, Dr.), road condition – ability to stabilize the patient throughout the journey to the hospital. 3) Does the public institution or PI have the manpower, facilities, resources or theatres (trauma team, onsite vs on-call doctors). Not all hospitals are the same, for public it’s generally an “open book”. Even so public hospitals do have their “challenges” : paediatrics (iv cannula, medication doses), severe burn, OT rooms, or IMH A&E cases. So it’s multifactorial, even if they send to the nearest there’s nothing much that can be done except further delaying the treatment if the institution does not have the resources at that moment. Hence public institution are generally selected as they are "open book". Even for mass accident or food poisoning EMS will try to split to various hospitals due to manpower and resources, even though one may be the closest. Unless there’s mass casualty probably PI & public may open up even their helipads (not sure on insurance coverage for heli-borne or winching though, do happen in SG but rare). Hope this helps. Disclaimer: This disclaimer informs readers that the views, thoughts and opinion expressed in the text belong solely to the author. Please also perform your own due diligence.

Savings

Expenses Tracking

Investments

General

Kdz
Kdz
Level 4. Prodigy
Updated on 07 Jun 2019
Hi Kenneth, This is an interesting idea. Having ocassional interactions with them, I feel there may be a need. Here are my 2 cents. For a start consider a pilot run just for persons with physical disabilities, largely independent and working (I do see a handful of them commuting to work during rush hours). For individuals with intellectual disability we may consider afterwards. Possible topics: 1) Raising awareness and understanding on available aids: - Transport shuttles or cab cards-not just calling a cab every time, - Medical subsidy eligibility (eg. 100% vs 30% subsidies), - What does means testing means (eg. why are they not eligible for subsidised motorised mobility aid or home modification etc.), - Food delivery service comparison (Tingkat etc.) 2) Finance topic: - Same financial topics eg. Insurance, CPF top up, SSB, same as the rest of us (what do we want to know if we are/become disable and still earning) + car park label scheme or train discount before 7:45am - They may need a bit more emphasis on empowerment. Engagement: - Companies hiring PWD. - Community centres. - Inviting prominent individual to share their financial managment and how they prepare for future complication/ deterioration/ condition progression eg. Jason Chee or Yip Pin Xiu on Seedly TV? - Liaise with association eg: https://www.dpa.org.sg/about-us/our-mission-objectives/ Mode of delivery: - Audio + visual (ppt./video) + subtitles +/- hand sign interpreter for Q&A? - Short braille pamphlets (now thinking about it. side track: cash has braille how about e-payment, ibanking) - If older adults in CC, dialect speakers (hokkien, boyanese etc.). Moving forward: - Talk to social workers who interact with PWD. - Apply bigger grants to conduct sessions (home visits) for families of intellectual disability individual. - Can be part of Seedly’s giving back to the community initiative, in the future. Honestly it may be challenging but it’s worth A try then see how. Hope this helps. BW.

Insurance

General

Kdz
Kdz
Level 4. Prodigy
Updated on 14 May 2019
Dear Anon, thank you for sharing your thoughts and feelings. I am sorry that you have to go through this experience. It is okay to feel what you are feeling right now. I am glad that you’ve found a platform to share. Being bedridden and in an unfamiliar place for individuals with dementia can be very distressing, not only to your Grandma but also to her love ones. While we are working to find it’s cure and preventive solutions There are few ways that may provide comfort to your grandma. While pain reliefs are reasonable, they are temporary with potential side effects. Hence you can consider bringing things that she is familiar with eg. her generation music, radio, books, old pictures, pillows or scent. Based on my published research these may calm individuals with dementia. As for yourself and family, you may consider support groups where you can gain valuable insights and perspectives such as here https://alz.org.sg/csg/ . You can also consider respite care when you bring her home to give yourself a short break when needed. One way to probably keep your mind at ease for the future is to do an Advanced Care Planning or Advance Medical Directives. As of now they are free . These help to inform your wishes to the professionals and family when you do not have the capacity to do so. You may also be at ease knowing that your wishes are out there if anything were to happen. Therefore, apart from insurance I strongly encourage individuals to ink their ACP and AMD. More information here: https://www.healthxchange.sg/healthcare-financing/social-services/advance-medical-directive-advance-care-planning-future-health-crises With that I end with a short quote “Death ends a life but not a relationship.” Hope that everything will be smooth for you and your family, do take care of yourself. . Disclaimer: This disclaimer informs readers that the views, thoughts and opinion expressed in the text belong solely to the author, and not necessarily to the author’s employer, organization, committee or other group or individual. Please also do your due diligence.
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Level 4. Prodigy
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