Sean Ng - Seedly
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Sean Ng

#YNWA

Sean Ng

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Sean Ng

  • Answers (9)
  • Questions (1)
  • Reviews (5)

Lifestyle

Secret Santa gift ideas?
Sean Ng
Sean Ng
Level 4. Prodigy
Answered on 26 Nov 2019
Board or card games. Plently of options available!
šŸ‘ 1

Career

SG Budget Babe

How can I tell if a company is really a suitable/good place to work in?
Sean Ng
Sean Ng
Level 4. Prodigy
Answered on 26 Nov 2019
It's all depends on which stage of your career. For a start, if you are looking for reviews of a particular organisation prior joining the firm, you may search for 'Glassdoor Singapore' (or even Linkedin) to check if there are any review. There are also HR accolades given to organisations that have good HR practices and organisational benefits. However the reviews and benefits doesn't mean paint the exact picture of your direct working environment and your supervisor. Also, everyone's perspective of a good workplace differs. It is better for you to list down what are the essentials. Generally, a good workplace shouldn't be a toxic environment and allow you to be empowered to carry out your duties. During interview, you may wish to ask questions concerning the working style of the team and your supervisor, the vision and values of the team / organisation, what is expected of you in this role and career progression. Only then, will give you glimspes to determine are you a good fit to the role and organisation.
šŸ‘ 1

Miles

Cashback

SG Budget Babe

MileLion

Credit Cards

Should I get a Miles or Cashback card? What are some factors I should be considering?
Sean Ng
Sean Ng
Level 4. Prodigy
Updated on 21 Nov 2019
I would suggest do a comparison of the cashback credit cards you are thinking of, and then follows by the miles cards. Read the terms and understand how each card works. Some cashbacks have a high minimum spending, some have high cashback % on specific categories, some give you higher returns when use together with its corresponding savings/current account. Repeat the steps for miles cards (some miles never expire, some give you higher miles for certain spending categories, etc). Then look at your current spending habits as well as 2-3 years down the road. Also, determine how much effort you willing to keep track your spendings in order to maximise the cashback returns. This would give you a broad idea which card(s) you will fancy.
šŸ‘ 2

Payments

Lifestyle

How can we encourage the older generation to actually use QR code payments (or digital payments, for that matter)?
Sean Ng
Sean Ng
Level 4. Prodigy
Updated on 20 Nov 2019
More than often, it is the resistence to change and the lack of functionality of their existing mobile phones. It is not uncommon to see seniors holding phone merely for phone call and not using any of the apps. It might be too challenging for them. Personally I feel, they have to first get comfortable with their phone and be open-minded to try. Once they are comfortable, you may start teaching them how to navigate and use the apps. Then slowly venture into transaction-based action such as using QR code. Basically, taking steps to build up their confidence and mobile literacy.
šŸ‘ 0

Savings

Lifestyle

Savings Accounts

Is there any way to save up money while trying to destress?
Sean Ng
Sean Ng
Level 4. Prodigy
Answered on 20 Nov 2019
Apart from exercise, you can consider picking up the habit of reading. Read a different variety of book from fiction to non-fiction e.g. personal development, leadership and communication etc. Adopt a growth mindset. And, you can find these books in our public libraries.
šŸ‘ 0

Investments

Any tips for someone that has just started working and is a complete beginner to investing on how to start?
Sean Ng
Sean Ng
Level 4. Prodigy
Answered on 20 Nov 2019
I would suggest 'pay' and 'protect' yourself first before investing. Have a concrete saving plan by setting aside a ratio of saving / expenses / insurance. Automate your savings monthly and track expenses. Priortise health (eg integrated shield plan) and term/life (death / disability / critical illness) insurance plans. Set a target how long you need to meet certain saving milestones. Then, bulid up your emergency fund of 4-6 months of expenses. This will take time. Meanwhile, get educated on the investment tools and asset classes. This will help you to prepare your investment journey.
šŸ‘ 1

Property

How can I check which HDB are reaching minimum occupation period (MOP)?
Sean Ng
Sean Ng
Level 4. Prodigy
Answered on 20 Nov 2019
Search for 'HDB Map Services'. At the landing page, select Housing. Then enter the address. Look for the relevant option on the selection panel (see remaining lease).
šŸ‘ 1

Personal Finance 101

Investments

How can a student, with no income, start with investing?
Sean Ng
Sean Ng
Level 4. Prodigy
Answered on 19 Nov 2019
Savings and education. Have a concrete savings plan and stick to it religiously (there are many articles on savings on Seedly). Meanwhile as you save, stay educated on the investment tools and asset classes. Most importantly, figure out the type of investor you are and how long your investment will be (more than 10 years).
šŸ‘ 1

Investments

Loans

Should I go an investment course or pay off my loan first?
Sean Ng
Sean Ng
Level 4. Prodigy
Answered on 19 Nov 2019
I second to the point of paying off the loan first. I presume by going for an investment course means you are keen about growing your wealth. One of the very first steps is to be debt-free (or as little as possible) and set aside at least 4-6 months of savings as your safety net.
šŸ‘ 1
Level 4. Prodigy
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