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Npm Adele

Investing Enthusiast & Lifelong Learner

Npm Adele

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Investing Enthusiast & Lifelong Learner

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Npm Adele

  • Answers (27)
  • Questions (1)
  • Reviews (3)

National Service (NS)

Lifestyle

Career

Should I workout or do part time job before NS?
Npm Adele
Npm Adele
Level 5. Genius
Answered 3w ago
How about both, since you won't exactly be working out 8h/day. That wouldn't be a healthy way to lose weight too. In fact, how about picking a job(s) that requires strenuous exercises e.g. food delivery esp during peak hours, F&B services or even logistics (delivery/packing). You get paid while getting a free full body/ functional training session. For hours! And the experience out of your comfort zone, learning something new too! Life's a matter of perspective, so make the best of it:)
šŸ‘ 0

Investments

Stocks Discussion

Education

Worst financial/investment advice you ever got?
Npm Adele
Npm Adele
Level 5. Genius
Answered on 03 May 2020
"Trust me" And another! "I understand you aren't obliged to buy from me. I'm just disappointed that as a friend (FA), you didn't think of seeking my opinion cos you know that I'll have your interests at heart". I still feel bad for the second
šŸ‘ 0

COVID-19

Lifestyle

Have you been working out more since Circuit Breaker started or have you been more sedentary than ever? And do you exercise outdoors or are your workouts done at home?
Npm Adele
Npm Adele
Level 5. Genius
Answered on 28 Apr 2020
Less last week, and definitely been doing less strenuous exercises! Also beem exorcising early morning before work instead of late night, as I can spend my time commuting on exercise. Planning to get back into a schedule though.
šŸ‘ 0

Lifestyle

Grab

What do you all use your Grab points on?
Npm Adele
Npm Adele
Level 5. Genius
Answered on 07 Dec 2019
I've been accumulating my points, waiting for offer on miles. Previously they had 160 krisflyer miles for half the usual points, and I didn't take advantage of it:( I haven't been grabbing much, but I use favepay where possible. The grabpay topup with UOB was good accumulating privi miles previously
šŸ‘ 0

P2P Lending

Investments

SeedlyTV S1E07

What happens when a P2P borrower defaults payment / goes bankrupt? (Asking from a P2P-lending investor POV)
Npm Adele
Npm Adele
Level 5. Genius
Updated on 07 Jun 2019
If you lend them they money and they default, you might lose the money you left them. Although some loans are secured, i.e. backed by assets, liquidation of assets might ultimately not able to pay off the loan completely due to various reasons. Further, it will be a time-drawn issue. Thus, you can consider your loan a write-off and the money is gone; focus on earning back the losses elsewhere. I guess that's the beauty of p2p lending platforms; you get to just loan small amounts per investor; so even if the borrower defaults, you lose $20. $50,. $100. $500, $1000 etc instead of $10k, $100k? Lesson? Invest what you are willing and able to lose.
šŸ‘ 1

Healthcare

Lifestyle

Fitness

Share your healthy living tips and hacks (fitness and diet) in Singapore?
Npm Adele
Npm Adele
Level 5. Genius
Updated on 07 Jun 2019
Mind & Soul - read, learn. I take courses but make use of subsidies/apply for awards where available. do your research!!! (e.g. NTUC UTAP, SkiillsFuture $500, SkillsFuture Qualifications Awards) Body - free programmes (SITC) and company-subsidised programmes (lunch workouts for $5/session!) - apple cider vinegar+honey+cinnamon+lemon in the morung for detox. be mindful of your appetite as it increases appetite, esp initially. can buy apple cider for about $7-8 per 900+ml bottle on qoo10 when on offer. drink lots of water to dilute the acid thereafter! - drink more water, reduce snacking, eat more fruits and vegetables Soul - I try to do some mindfulness meditation daily using free apps when commuting in the morning
šŸ‘ 2

Career

Savings

Investments

Lifestyle

Credit Cards

What are your personal finance resolutions for 2019?
Npm Adele
Npm Adele
Level 5. Genius
Updated on 07 Jun 2019
- hit my next savings milestone - continuing saving over 80% while budgeting for expenses like learning driving - learn to and use my SRS account to invest wisely - learn how to and hit 6-8% yield p.a. - settle my critical insurance coverage - pick up stocks if market crashes, both for long term dividend and capital gains - learn more about investing through SGX and other public run free courses, while continuing to read up - network with fellow like-minded investors through Seedly and other events
šŸ‘ 2

Career

I drag my feet to work every day. Should I consider a change of career even though I'm only 28?
Npm Adele
Npm Adele
Level 5. Genius
Answered on 23 Apr 2019
Yes. The answer is pretty obvious, isn't it? You know deep down in your heart this doesn't suit you and you do not wait it either. If you retire at 60, you still have more than half your life ahead of you. Further, you are still young in your career, can afford to job switch easier now. Coding's rising too. So don't be afraid. Just need to step out of your comfort zone!!:D
šŸ‘ 0

Retirement

Investments

How does someone build wealth who has little to begin with?
Npm Adele
Npm Adele
Level 5. Genius
Answered on 23 Apr 2019
Save the minimum 6 months to 1 year of emergency funds before investing. Simple but fundamental advice, imo. Investment funds should be monies you are willing and able to lose, and able to keep locked up. Hope this helps!
šŸ‘ 1

Robo-Advisors

STI ETF

Investments

I have a lump sum of >$10000 I am about to invest in the STI, but after reading all of the posts on Seedly advising otherwise I'm a little confused.
Npm Adele
Npm Adele
Level 5. Genius
Answered on 21 Mar 2019
1. Globally diversified means you have investments in other countries apart from Singapore, namely mature markets (e.g. US, Europe), and emerging markets (e.g. the BRIC countries), such as by buying into stocks/ETFs etc listed in overseas markets. 2. $600 monthly DCA seems decent, it is ultimately up to your comfort level.
šŸ‘ 0
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