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Pat

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Pat

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Pat

  • Answers (32)
  • Questions (1)
  • Reviews (3)

Investments

Education

Pat
Pat
Level 5. Genius
Answered on 24 Nov 2019
Hahah they do look space-age! I learnt to use it in school and its easy to pick up with clear directions + useful search bar. The first time I used it I was trying to find the beta of a stock and I just typed "beta stock name" to get it (historical beta graph is included as well). Pretty user-friendly imo once you get over the aesthetic.

Lifestyle

Bank Account

Pat
Pat
Level 5. Genius
Answered on 24 Nov 2019
I don't think I hit $400/month back when I was 16 often, so I will recommend you opening a CIMB account to get 1% interest (min 1k deposit) together with the OCBC Frank Debit Card + Frank Savings acc (no min deposit). Use the CIMB as Savings, while OCBC can just be for your Spending. When you hit 18, hopefully the Stan Chart Jump Start account will still be 2% interest, so open that account and use their Debit card for 1% cashback (max $60). No min deposit required as well! Then when you hit 21, there are more options open to you, so you should review your cards/accounts when you hit that age. Hope this helps!

Multi Currency Cards

YouTrip

Pat
Pat
Level 5. Genius
Answered on 29 Oct 2019
From YouTrip: Online merchants/websites that require 3D - Secure (3DS) Payments using YouTrip card will not be supported on websites or online merchants that require mandatory 3-Domain Secure (3DS) authentication. 3DS payments are disabled on YouTrip cards by default to better cater to the use of YouTrip cards for payments overseas. Shopee uses 3DS (i.e. need OTP) for secure payments and YouTrip does not offer it.

UOB

Maybank

Credit Card

Bank Account

KrisFlyer

Pat
Pat
Level 5. Genius
Answered on 22 Oct 2019
Do you travel often on Scoot/SQ as a student? If you do, why not let this be your mile-chaser card. They have a nice sign-up bonus and Grab promo to the airport. Frankly, will recommend Stand Chart JumpStart as the savings account is 2% on the first 20k and you get 1% cashback (capped at $60). For bigger purchases, stick with your eVibes.

Travel

Lifestyle

Pat
Pat
Level 5. Genius
Answered on 02 Oct 2019
To play it safe, will advise you to get a refund in the EU. Keep checking this website! Hopefully, there will be more details on post-Brexit soon. https://www.gov.uk/guidance/claim-vat-refunds-from-eu-countries-after-brexit

Family

Bank Account

Savings

Loans

Pat
Pat
Level 5. Genius
Answered on 17 Sep 2019
If you are able to get a place in a non-private local university, don't worry as the bursaries and financial aids provided are quite generous. Try out for a scholarship as well! If the financial aid is not 100%, apply for the local uni bank loans with 0% interest until graduation and use your PSEA to pay off any fees. Try and get research assistant jobs in the uni to help with your savings. If you are planning to go to a private uni, I think you might need to work part-time in order to pay the bills. This is stressful and difficult, so I will encourage you to go for the former option and try your best to get a position there. God bless you! Hope everything works out in your favour.

Credit Card

DBS

DBS Multiplier

Pat
Pat
Level 5. Genius
Answered on 01 Sep 2019
Depends on your expenditure. If you are not much of a spender, the Everyday is sufficient. Even a charge of $1 to this card gets you your additional interest. Read their partner offers to max out the rebates that you can get. If you spend and like to travel, you can consider the Altitude card but tbh I only recommend it if your annual spending is $25k a year so you can get the annual fee waiver.

Savings

Singapore Saving Bonds (SSB)

Investments

Bank Account

Pat
Pat
Level 5. Genius
Answered on 29 Aug 2019
Hmm, the banks are seeking to lock down capital and have a steady stream of income coming in through recurring GIRO transactions. This is in preparation for a recession actually (and a response to the last recession) so that they have sufficient funds for their war chest. I doubt they will drastically lower their interest rates for these savings accounts, maybe just the top tier interest rate, as they still want consumer loyalty during a recession. As the 10-year average return for this month's issue is 1.95%, I don't think that SSB will be more beneficial in the LR. I don't see SSB issues improving in the near future, so I think it is still best to maintain your multiplier or look for short single premium endowment plans which offer you an interest above 2.2%. My two cents here, would love to discuss more with you.

Credit Card

DBS

Expenses Tracking

Pat
Pat
Level 5. Genius
Updated on 27 Aug 2019
Use Excel and the DBS Lifestyle app in tandem. What I like about the app is that it shows you how much you charged to each card on each date to which merchant (with a slight delay of 2-3 days). Also, there are promotions which you can join (e.g. grocery, dining) to earn rewards. If your card is eligible for DBS points ($5 = 1 point), the points are shown clearly once you log in and you can offset bills with that. Use your Excel to track total expenses (+breakdown) and maybe a short table on the miles/points/rebates which each card has so you can easily refer to it. Hope this helps!

Career

Lifestyle

Pat
Pat
Level 5. Genius
Updated on 19 Aug 2019
Will say full time. Tried the part time stuff, you need to properly manage work + family + thesis/papers, which is personally very tiring. Especially with all the rushing from work to school. As with most things, a compromise is necessary. However, if you do have an understanding boss, work out an arrangement that suits you! Could be part time work or telecommuting, either way, it alleviates the stress of studying part time while working full time.
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