Mandy Ng - Seedly
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Mandy Ng

Here to learn about personal finance and other tips to live my best life :)

Mandy Ng

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Here to learn about personal finance and other tips to live my best life :)

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Mandy Ng

  • Answers (10)
  • Questions (2)
  • Reviews (2)

MileLion

Miles

Mandy Ng
Mandy Ng
Level 4. Prodigy
Answered on 04 Feb 2020
Depends on the location and who you are travelling with! if I am planning to go to a country where it is easy to get around whether by driving or public transport and language is not an issue, I would try to self-plan by reading blogs, articles, trip advisor and using google maps. self planning can be stressful if things don't go to plan but learning to adapt and be flexible is part of the journey! if it is somewhere where it is not as easy to get around or where there will be language barrier Issues or if I want a trip where I want to relax and not worry about anything, I would go for group tours as they plan everything out for you. A good in between option is to self plan a trip but join day tours or trips to places which are difficult to get to so you still get flexibility and reduced stress. Win-win!
šŸ‘ 0

MileLion

Miles

Travel

Lifestyle

Shopping

Mandy Ng
Mandy Ng
Level 4. Prodigy
Answered on 03 Feb 2020
I am considering changing my travel plans especially if I am travelling to those countries with known cases in Asia. Definitely put off non-essential travel to China for now. Thing is, Singapore also has one of the highest number of cases outside China so I think there will be risks no matter where you go. As others have mentioned, do take the necessary precautions (masks, hand sanitisers, washing hands with soap)!
šŸ‘ 1

Miles

MileLion

Travel

KrisFlyer

Mandy Ng
Mandy Ng
Level 4. Prodigy
Updated on 03 Feb 2020
Hi Anon, I had this issue as well but unfortunately my miles were due to expire as I had started accumulating them 2 years+ ago before I got my miles CC. I ended up redeeming round trip economy tickets to a nearby destination because I felt it would be better than letting my points go to waste or paying to extend the miles as I am not likely to have any big purchases coming up. I like Elijah's advice - if your points are not expiring anytime soon, definitely try to accumulate more points within the 3 year period so that you can qualify for a business class trip. In addition, spontaneous escapes tend to have many good deals especially if you are flexible/able to travel or take leave on short notice (the next month).
šŸ‘ 2

Payments

Lifestyle

Miles

AMEX KrisFlyer Ascend Card

MileLion

KrisFlyer

Credit Cards

Mandy Ng
Mandy Ng
Level 4. Prodigy
Answered on 03 Feb 2020
Hi, you will definitely still get miles for the tax paid. I paid for that last month with the KF card and had miles attributed in that month's statement.
šŸ‘ 1

Stocks Discussion

Investments

Trading

Finance Savvy

Personal Finance 101

Mandy Ng
Mandy Ng
Level 4. Prodigy
Answered on 21 Nov 2019
I personally liked the Millionaire Teacher by Andrew Hallam and the Little Book of Common Sense Investing by Jack Bogle. These books have simple concepts and are easy to read and digest so you can read on the go. I have read The Intelligent Investor and found it really quite cheem or complicated as I am still a beginner. I think once you have covered some of the basics then you can try this book. Regarding courses, SGX has a couple of free seminars held quite regularly on weeknights on The Basics of Investing, Introduction to Fundamental Analysis and Technical Analysis and they are really very basic introductions but definitely enough to get you started at the very beginning. Afterwards, you can move onto Dr Wealth or The Fifth Person who I've heard very good reviews about but haven't personally tried yet.
šŸ‘ 1

Miles

Cashback

SG Budget Babe

MileLion

Credit Cards

Mandy Ng
Mandy Ng
Level 4. Prodigy
Answered on 21 Nov 2019
As someone who had the same question when I first graduated, the simplest way I looked at it (after reading heaps of articles and blogs) was to ask myself this: am I going to make a lot of big purchases in the near future (ie. wedding or house) and will this be recurring for the next few months or year ahead (after wedding then honeymoon, house renovation, etc.) If your answer to this question is yes and you value travelling, then it makes sense to get a Miles card as you can easily rack up a lot of points with the bonus sign up promos. If your answer is no and you are mostly spending on adhoc stuff like shopping and dining, then it probably will be better to get a cashback card as the benefit is almost instantaneous and you don't have to wait so long (as a miles card) to accumulate and reap the benefits.
šŸ‘ 6

Savings

Insurance

Investments

Personal Finance 101

Mandy Ng
Mandy Ng
Level 4. Prodigy
Updated on 07 Jun 2019
This was a really useful and informative session. Thanks for breaking down the financial concepts so simply for us. I really enjoyed the example of the Portugal football team too. Keep up the good work team Seedly!
šŸ‘ 3

Lifestyle

Mandy Ng
Mandy Ng
Level 4. Prodigy
Answered on 21 Dec 2018
There are 14 Christmas trees with a yellow star on top! :) Merry Christmas to all at Seedly :D
šŸ‘ 1

Lifestyle

Mandy Ng
Mandy Ng
Level 4. Prodigy
Updated on 20 Dec 2018
Testing if this works Canā€™t seem to post the meme here via my phone although I clicked on enter image URL ans submitted. Anyway the link is here https://goo.gl/images/wcjoa3
šŸ‘ 1

Career

Savings

Investments

Lifestyle

Credit Cards

Mandy Ng
Mandy Ng
Level 4. Prodigy
Answered on 19 Dec 2018
My personal finance resolution for 2019 is to learn more about investing in stocks. Also to exercise more regularly - not just on weekends, and to avoid overeating especially at buffets or outings with family or friends.
šŸ‘ 2
Level 4. Prodigy
74PointsGoal 125
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