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SeedlyTV S2E03

Career

Family

Do you think it is a problem if I don't have dreams? I have no aspirations and all I want is to find a good job and earn enough to feed myself and my family. Can that be considered a dream?
Matthew Tan
Matthew Tan, Incoming Undergraduate at NTU
Level 5. Genius
Answered on 30 Apr 2020
Hello, I hope you're doing well amidst these times both physically and mentally. I've just started reading 7 habits of highly effective people. One of the analogy they used is to imagine you're attending a funeral, only to realise its your very own. There are 3 speakers who will share about their experiences and how you've lived your life: 1. Your spouse/family member, 2. A close friend, 3. A work associate. Now think about what you want them to describe you; your character, contributions and achievements. Once you think about those 3 things mentioned, you can start to centre your life around those principles and build goals and dreams to reach them. With this extended circuit breaker, theres more time to think about long term goals and dreams apart from finances. All the best!
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National Service (NS)

Stocks Discussion

Lifestyle

Career

Buying share for Dividend gain during NS?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jul)

Level 9. God of Wisdom
Answered 3h ago
Better invest longterm into passive stock indexing ETFs independent of dividends, like S&P 500 ETFs that any way distribute currently nice 1.8% dividend per year. but bux & hold ultralongterm (not just 3 or 5 years)
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Fresh Graduates

Salary

Career

Education

Will a masters degree at 24 help to increase my salary?
Fahmiin
Fahmiin, Back End Engineer at Seedly
Level 3. Wonderkid
Answered 9h ago
For sure it will but as a rule of thumb, I always go into postgraduate studies for the purpose of broadening my knowledge pool in an area of my interest rather than solely for the $$$. Seen too many unemployed undergrads going into Masters or PhDs thinking "Once I've got this title under my belt, I'll be sure to land a high paying job!" which is rarely the case. They'll slog through the extra 2/4 years and coming out with the same mentality. But if you got that sorted out, then for sure go for it! Postgraduate studies (especially in research) is intrinsically rewarding in of itself.
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Property

Career

Entrepreneurship

PropertyGuru vs 99.co: Which is a better platform to rent and sell properties?
C
Claire
Level 2. Rookie
Updated 15h ago
PropertyGuru is still no doubt the market leader, but if you're new and are looking for a place to start listing, 99.co can be a cost-effective platform for you to start out. there's no published data on the number of leads each platform provides, so the next best way for us to compare would be via traffic they get. Looking at similarweb traffic data, 99.co SG: 1.84m visits (we take their overall traffic x % of their traffic in SG since their main 99.co domain also covers their ID traffic) PG: 2.4m visits Just pure awareness alone, 99.co has around 77% of PG's. But yet when we compare their package prices, 99.co: 2 main package, one $688 and the other $999 (https://www.99.co/agents) PG: an equivalent package offering would be $4,980 and $11,980, if we are looking at listings + usage of tools & products (https://www.propertyguru.com.sg/property-management-news/2019/8/182169/update-2019) we can see that 99.co's package prices are only 15% and 8% that of PG's. from this alone, it's quite a no-brainer that 99.co is the "worth-it" winner if you're an agent looking for something cost-effective and can bring you the most value for your buck. however, if you have the means to spend on PG, go ahead and join the other big boys there. i must warn that there are plenty of big spenders in PG, and the only way you can stand out and get the leads is if you're willing to keep up with their spends. if you do, i'm sure the results will be great too. otherwise, i would recommend just sticking with 99.co first and heading to PG once you have the means to.
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Retirement

Career

Lifestyle

Family

Any job recommendations for elderly who doesnt know english, or have any form of educational qualification?
Fahmiin
Fahmiin, Back End Engineer at Seedly
Level 3. Wonderkid
Answered 22h ago
Can try wood working if your dad is more of a hands on man like mine. For the mom, can go for selling home made goods usually food, crafts and so on. Not sure about actual jobs though.
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Fresh Graduates

Career

Lifestyle

Education

COVID-19

What type of degree I should go for in University?
Rachelle
Rachelle, Digital Marketing Associate at Seedly
Level 3. Wonderkid
Updated 1d ago
Hmm... I agree that cyber and tech is definitely the trend, and it should serve you well in the future. If you enjoy it, or think that you might have the potential for it, go for it! That would be the best of both worlds! But just my two cents as someone who is unfortunately hopeless with numbers. For me, I ruled out things that I knew I couldn’t do such as STEM courses (which are highly valued and sought after). So I was only looking at Humanities and Social Sciences, and in the end chose the latter because it seemed more applicable to me. But of course, reality check, skill sets like coding and programming are definitely a good to know / understand, I’ve seen so many job advertisements where companies are looking to hire people with these skill sets. In the end, your degree doesn’t necessarily determine your first job (unless it’s something super technical). It’d be great if you could choose something you enjoy! And perhaps for practicality’s sake consider a double major or a minor, if you decide you want another valuable skill set. All the best! 👍🏼
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Education

Fresh Graduates

Career

Does anyone know if getting a certificate from Gen Infiniti academy /smartacademy boot camps can land me a job?
Kristerbel Pang
Kristerbel Pang
Level 4. Prodigy
Answered 1d ago
Hello! Not too sure about Gen Infiniti or other companies but I am aware that Smartcademy courses are structured such that you work on a project that you submit at the end, and this can comprise your portfolio because it gives you the opportunity to use the skills learnt in a work context. I personally find that a lot more helpful than just theoretical learning (: In addition, Smartcademy has an alumni network which it connects with employers so I think that this may help in terms of getting your CV/portfolio out into the market as well! All the best and hope this helps (:
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Career

How useful is NTUC Membership for employee benefits/rights? With recession, retrenchment is expected. How are workers protected by Unions?
C
curious_moo
Level 4. Prodigy
Answered 1d ago
Bascially you are not protected from retrenchment. But at times of retrenchment, union will help to fight for a fairer/reasonable retrenchment package as well as providing support for new job hunting.
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Salary

Career

Does a Malaysian's salary will always lower than Singaporean's salary? As a degree holder, my pays are even lower than poly's holder. Is this true?
C
curious_moo
Level 4. Prodigy
Answered 1d ago
It is not true that malaysian salary will always be lower than singaporean salary. But it is true that malaysians are willing to take less salary compared to singapore on the same job, because of the x3 factor. cost of living for the household for a malaysian supporting family in malaysia vs the same settings in singapore paints the picture quite clearly.
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Investments

Savings

Retirement

Career

Family

Lifestyle

Do you all find it a struggle to own a car in Sg and still wanting to invest? It seems to me, without family support on car, we need least 6k salary to balance out of portfolio due to wanting to invest in stock & reit. Any thoughts?
Here is a guide that you may find useful: Understanding Your Personal Cash Flow Generally, Total Expenditure = 50% to 60% of monthly income Insurance = 10% to 20% of monthly income Savings & Investment = 20% to 30% of monthly income How much insurance coverage should You have? Basic Life Cover = 10 times your annual income Critical Illness Coverage = 5 times your annual income As for owning a car in Singapore, it is not difficult. Instead, it is more on whether it is justifiable to spend a portion of your hard-earned money on an asset that depreciates over time. Here is some information about it: Cost of owning a Car in Singapore I share quality content on estate planning and financial planning here.
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