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Siow Nan

Normal individual leading ordinary life

Siow Nan

Electrical And Computer Engineering at Nus

107Upvotes

About

Normal individual leading ordinary life

Credentials

Electrical And Computer Engineering at Nus

Siow Nan

Electrical And Computer Engineering at Nus

107Upvotes
  • Answers (77)
  • Questions (1)
  • Reviews (2)

Geneco

Promotional Codes

Electricity Market

Apply early, save early!!!!!!!!!!! You can use my referral code: 96753492 for additional $20 rebates. I have been using Geneco since the start of the year. My take is that instead of pondering over the differences, we should just take action and you will start saving from day 1. Expecting the promos to be lesser soon and rates may start rising as electrical tariffs has just risen in July 2019. So please act fast to get the best savings. https://www.todayonline.com/singapore/electricity-tariffs-city-gas-prices-rise-july-september So, good to quickly take advantage of current fixed rate promos before their prices increase too. Current Promos: (Updated 14th Aug) Please find more details of existing promos on the Geneco website below. https://www.geneco.sg/residential/promotions/ Essentially there are 3 different promos codes now which gives the following benefits. 1. POWER50 $50 off your bill One-time off rebate on your bill. Only Valid for Get It Fixed 36 / Get It Fixed 24 / Get It Less 24 / Get Free Sundays. 2. GET30 $30 off your bill One-time off rebate on your bill. Valid for Get It Green Plan / Get Sunny. 3. PLUSGENECO Earn 4,000 LinkPoints with Geneco. Valid only for Get It Fix 36 plan. Until 31st Oct 2019. Additional rebates: 1. 5% Uob one card rebate + additional 1% uob rebate (for 12 months) on recurring bill with uob cards by 31 Dec 2019. 2. Charge to Posb everyday cards and get 1% cash rebates. Simplest non confusing terms. 3. Set up recurring payment via Standard Chartered credit card to enjoy 1 time $50 cash back until 31st August 2019 4. Extra $20 rebates if you enter 96753492 as your referral code. Recommend to go for Option 1 and Option 4 if your bills are on average $90.. 5% rebates on 90 bucks for 12 months would be about $54 savings already, plus a further $20 startup rebate for you. I am using these options personally. Natural gas is going up so would recommend the fixed price offer, but decision is solely up to you. Markets are unpredictable. Trade war on the other hand causing oil prices to come down. But in Singapore, price usually increase faster than for it to come down from past experience. Better act fast! Tariffs went up! Not sure current offers will remain for how long. Sign up online is easy and hassle free. So far prices have been the better ones and no false marketing like displaying the price without gst. March deals even better at 17.78c/kwh for 2/3 year plans but has since increased to 17.98c/kwh. Would recommend fixed plan over discounts over tariff plans. Switch over now without hesitation as every day delayed is costlier than waiting to get a slightly better deal in future.

Investments

Retirement

Savings

Stashaway

Read up on the website and do a sign up online. There is a risk assessment to help find your preferred risk levels for the portfolio generation. Once you have decided to try, then just put in your funds and let the roboadvisor buy the units for you..... If you think it is working, then you can consider increasing your monthly top-ups etc. So far it is working ok for me and I am happy to do a DCA on a monthly basis.

Stashaway

Investments

Robo-Advisors

Promotional Codes

If you use my referral link below, you can get up to $10,000 managed for free for 6 months. At least for first 6 months you can try out with a smaller amount without management fees!!!!!!!!!!!!! www.stashaway.sg/referrals/siownanw3zpr

Investments

Savings

Lifestyle

Go casino bet on big or small. you have about 49% chance of meeting your target to double your money right away. just joking above But end of the day, let us be realistic as you are targeting to achieve more than 100% returns in 5 months. If there is a sure risk-free way to achieve that, everyone would be doing the same. What you are asking for requires you to take extreme risks like gambling above, and are you prepared to lose your entire capital for taking the chance? My take is that you save your $3.8k. Then make an action plan on how you plan to make up your shortfall by active working and not dream of get-rich-quick schemes. Quick calculation. You are aiming for $6.2k shortfall in 5 months ($10k target EOY) , meaning that you need to earn $1,240 a month. or $62 a day (est. 20 working days a month). break it down to reasonable targets that you can handle and then you can set your plan to work. Take a side hustle like tuition maybe? if you are paid $250 a month for tuition work for 1 person at 2hrs/week = then 5 students may help you reach your target.

Investments

You can play around and adjust your risk levels and see how the allocation percentages change for the various sectors/etf before putting in your money, or change your risk levels anytime. (though not encouraged to keep changing the allocations as you will incur transaction costs).. My link for referral which allows up to $10,000 SGD managed for free for 6 months! https://www.stashaway.sg/referrals/siownanw3zpr

SeedlyTV EP08

Electricity Market

Apply early, save early!!!!!!!! The penalties would be your lost savings compared to if you had switched. I have been using Geneco since the start of the year. My take is that instead of pondering over the differences, we should just take action and you will start saving from day 1. Expecting the promos to be lesser soon and rates may start rising as electrical tariffs has just risen in July 2019. So please act fast to get the best savings. https://www.todayonline.com/singapore/electricity-tariffs-city-gas-prices-rise-july-september So, good to quickly take advantage of current fixed rate promos before their prices increase too. Current Promos: (Updated 13th July) Please find more details of existing promos on the Geneco website below. https://www.geneco.sg/residential/promotions/ Essentially there are 3 different promos codes now which gives the following benefits. 1) GET68 $68 off your bill One-time off rebate on your bill. Only Valid for Get It Fixed 36 / Get It Fixed 24 / Get It Less 24 / Get Free Sundays or Get Sunny plan. 2) GET30 $30 off your bill One-time off rebate on your bill. Valid for Get It Green Plan only. 3) PLUSGENECO Earn 4,000 LinkPoints with Geneco. Valid only for Get It Fix 36 plan. Until 31st Oct 2019. Additional rebates: 1) Set up recurring payment via Amex credit card by 30 June 2019 and pay first geneco bill by 31 August 2019 to enjoy 1 time $40 cashback credited to your card account by 30 Sept 2019. (pls check other terms and conditions on website) 2) 5% Uob one card rebate + additional 1% uob rebate (for 12 months) on recurring bill with uob cards by 31 Dec 2019. 3) Charge to Posb everyday cards and get 1% cash rebates. Simplest non confusing terms. 4) Set up recurring payment via Standard Chartered credit card to enjoy 1 time $50 cash back until 31st August 2019 Recommend to go for Option 2 and Option 5 if your bills are on average $90.. 5% rebates on 90 bucks for 12 months would be about $54 savings already, plus a further $20 startup rebate for you. I am using these options personally. Natural gas is going up so would recommend the fixed price offer, but decision is solely up to you. Markets are unpredictable. Trade war on the other hand causing oil prices to come down. But in Singapore, price usually increase faster than for it to come down from past experience. Better act fast! Tariffs went up! Not sure current offers will remain for how long. Sign up online is easy and hassle free. So far prices have been the better ones and no false marketing like displaying the price without gst. March deals even better at 17.78c/kwh for 2/3 year plans but has since increased to 17.98c/kwh. Would recommend fixed plan over discounts over tariff plans. Switch over now without hesitation as every day delayed is costlier than waiting to get a slightly better deal in future.

Ohm Energy

iSwitch

Geneco

Keppel Electric

SeedlyTV EP08

Apply early, save early!!!!!!!!! I have been using Geneco since the start of the year and so far its hassle free. You can also go to the other retailer's websites to find out more but the promos can be quite similar. My take is that instead of pondering over the differences, we should just take action and you will start saving from day 1. Expecting the promos to be lesser soon and rates may start rising as electrical tariffs has just risen in July 2019. So please act fast to get the best savings. https://www.todayonline.com/singapore/electricity-tariffs-city-gas-prices-rise-july-september So, good to quickly take advantage of current fixed rate promos before their prices increase too. Current Promos: (Updated 13th July) Please find more details of existing promos on the Geneco website below. https://www.geneco.sg/residential/promotions/ Essentially there are 3 different promos codes now which gives the following benefits. 1) GET68 $68 off your bill One-time off rebate on your bill. Only Valid for Get It Fixed 36 / Get It Fixed 24 / Get It Less 24 / Get Free Sundays or Get Sunny plan. 2) GET30 $30 off your bill One-time off rebate on your bill. Valid for Get It Green Plan only. 3) PLUSGENECO Earn 4,000 LinkPoints with Geneco. Valid only for Get It Fix 36 plan. Until 31st Oct 2019. Additional rebates: 1) Set up recurring payment via Amex credit card by 30 June 2019 and pay first geneco bill by 31 August 2019 to enjoy 1 time $40 cashback credited to your card account by 30 Sept 2019. (pls check other terms and conditions on website) 2) 5% Uob one card rebate + additional 1% uob rebate (for 12 months) on recurring bill with uob cards by 31 Dec 2019. 3) Charge to Posb everyday cards and get 1% cash rebates. Simplest non confusing terms. 4) Set up recurring payment via Standard Chartered credit card to enjoy 1 time $50 cash back until 31st August 2019 Recommend to go for Option 2 and Option 5 if your bills are on average $90.. 5% rebates on 90 bucks for 12 months would be about $54 savings already, plus a further $20 startup rebate for you. I am using these options personally. Natural gas is going up so would recommend the fixed price offer, but decision is solely up to you. Markets are unpredictable. Trade war on the other hand causing oil prices to come down. But in Singapore, price usually increase faster than for it to come down from past experience. Better act fast! Tariffs went up! Not sure current offers will remain for how long. Sign up online is easy and hassle free. So far prices have been the better ones and no false marketing like displaying the price without gst. March deals even better at 17.78c/kwh for 2/3 year plans but has since increased to 17.98c/kwh. Would recommend fixed plan over discounts over tariff plans. Switch over now without hesitation as every day delayed is costlier than waiting to get a slightly better deal in future.

Investments

Savings

Singapore Saving Bonds (SSB)

Putting in srs is not useful if you are not putting it to other investments as the interest rates are the minimal bank rates at the moment. So some uses the srs amount to purchase low risk products like ssb to also gain some interest revenue. Recently the rates are on the low side for ssb though but still some prefer it as a low risk bond portfolio

Fresh Graduates

DBS Altitude Visa Signature Card

DBS Multiplier

Credit Card

Yes, online giro payments with the steps given by Gabriel is the most convenient and easy to set up. And yes, you should be able to track your credit card transactions, under the unbilled tab if it is not already shown in the billed tab.

EC Condominium

CPF

Savings

Salary

Property

Are you a 1st timer or 2nd timer? Do note that as a first timer, you will be entitled to an additional 30k of CPF grant given by the government for the purchase. PM me at 97649657 to find out more. I can speak to you to advise you further or refer you to a banker for a more detailed consultation.
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