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Savings

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Insurance

Car Insurance

Where can I get Singapore car insurance quotes online?
Hi anon, I've been using https://www.gobear.com/sg/car-insurance as a point of reference to get some idea about the costs in order to help my clients. There are multiple insurers they help to compare and it helps you to narrow down your options.
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Unit Trust

Comparison

Investments

Between ETF and unit trust, which would you prefer and why?
Colin Lim
Colin Lim, Financial Services Consultant at Colin Lim
Level 7. Grand Master
Answered on 15 Apr 2020
I will choose ETFs.. Firstly the fee is lower than UTs. Secondly What is ETF? An exchange-traded fund (ETF) is an investment fund traded on stock exchanges, much like stocks. An ETF holds assets such as stocks, commodities, or bonds and generally operates with an arbitrage mechanism designed to keep it trading close to its net asset value, although deviations can occasionally occur. Most ETFs track an index, such as a stock index or bond index. ETFs may be attractive as investments because of their low costs, tax efficiency, and stock-like features.-extract from wiki. Unit Trusts is a form of collective investment constituted under a trust deed. A unit trust pools investors' money into a single fund, which is managed by a fund manager. Unit trusts offer access to a wide range of investments, and depending on the trust, it may invest in securities such as shares, bonds, gilts, and also properties, mortgage and cash equivalents. Those investing in the trust own "units" whose price is called the "net asset value" (NAV). The number of these units is not fixed and when more is invested in a unit trust (by investors opening accounts or adding to their accounts), more units are created. So knowing these 2, and based on my experience... Not many UTs do well over a long time. ETFs tracks the indexes and indexes like S&P500, STI hold the top companies. It doesnt go wrong will they?
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Comparison

In the News

Lifestyle

Apple vs Huawei vs Samsung vs Google. 4 New phones came out this year, what should I upgrade my iPhone 6s into? Should I just continue using this iPhone since I just changed the battery this year?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered on 27 Feb 2020
Yes, if you don't need it as a status symbol think only of it's functionality. if the battery works and the device fulfils it's purpose, stay with it. spend the money better by inviting your girlfriend to diner(s).
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Comparison

Career

I’m a 24 year old graduate. Should I quit my job as a private tutor (home-based, 40 students), earns me 6k and can develop into tuition ctr or find job that pays 3.5k? Money VS social life (since I work on nights and weekends, and I’m home-based)?
Happy Haris
Happy Haris
Level 3. Wonderkid
Answered on 20 Aug 2018
You're the person that can only answer this question! (sadly) Do you think you are enjoying the process? Are you doing this for long term? Is the reason starting this tutoring the same as the reason you are continuing it? You can always find money else where, but your fulfilment and happiness, I guess, is the main point of living. Hopefully this help. And I myself want to be a private tutor. And that's quite an impressive feat at your age. I would like to learn from you on how you started and such. Anyway, maybe take a breather and think about what you really wana do. Good luck on your future endeavours!
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Online Brokerages

Comparison

Stocks Discussion

Investments

NYSE (New York Stock Exchange)

S&P 500 Index

ETF

Standard Chartered

Standard Chartered Online Trading

Interactive Brokers

What's the best brokerage for overseas stock market purchases in the US, LSE?
Bjorn Ng
Bjorn Ng
Level 9. God of Wisdom
Answered on 13 Jan 2020
I recommend Interactive Brokers! One of the most competitive fees out there which allows you to trade in many markets, with super close to Google exchange spread. SCB fees and exchange spread alone is pretty steep.. However, if you are looking at TD, do take note that it does not cover LSE!
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FWD Travel Insurance

Comparison

Travel Insurance

Insurance

[Travel insurance] Any feedback on Hong Leong Travel Insurance vs FWD Travel Insurance? Both are pretty competitive in pricing and in terms of coverage - but wonder any difference when it comes to the fine prints and customer service?
K
Kaykay
Level 4. Prodigy
Answered on 31 Dec 2019
I've used FWD and recently claimed for medical expenses post trip, in SG, due to a minor injury sustained during my trip. It was very smooth and fast (caveat: my claim amount was very low), so overall experience was great.
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Lifestyle

Shopping

Comparison

How do iPhone and Samsung perform in the resale market?
Alvin Teo
Alvin Teo
Level 6. Master
Answered on 27 Oct 2019
Another consumer advice again: it's true that iPhones have better resale value and it’s not because Apple users fart nicer than others... But because iPhones or any other Apple devices do not slow down after years of usage. And they continue to receive software upgrades. I have been using my iPhone 6S longer than I’ve been married. Around iOS 9/10 was bad till they admitted using software to hold back phone performance (but I didn’t even realise) subsequent updates have been good and no issues. Used a couple of extra androids and iPhone as work phones previously and I’d say iPhone suits me more.
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Lifestyle

Comparison

Shopping

Savings

Does anyone have any experience buying from mobile retailers like Kasia and Mobile Sq?
HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 9. God of Wisdom
Answered on 13 Nov 2019
I got a 2nd hand phone from mobile square before. The shop is alright. The handset depends on luck, thus mine wasn't good and i managed to go back and get it for exchange and again with issue and they change it for me again. For new handset, it's reliable. I've seen and had a few friends sold their telco recontract handset to them directly to get fast cash. Those would like to sell for higher price and willing to wait would go sell directly at carousell, which is cheaper than all these shop. They are basically the same as you can request for the telco receipt from seller when transact, that you'll know it's a brand new authentic handset. https://redwhitemobile.com/new-phones/ is another recommended by my Tech friend where you can compare if you only wanna get from these shop. Otherwise, carousell offer the best deal!
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Lifestyle

Comparison

Shopping

Savings

If I'm getting iPhone 11 or Samsung S10, do you think it is worth waiting for 11.11 or Black Friday / Cyber Monday?
Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 27 Oct 2019
I'm in the same position! But waiting for a more budget phone like the Oppo Reno Z. I went by the Oppo store to ask if they had 11.11 sales for that model, but the sales guy told me that this is as cheap as it gets. In any case, it's only in 2 weeks so if you aren't in a rush to get a new phone, no harm waiting!
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Comparison

Education

Lifestyle

Australian basic degree vs UK Honours degree. Which is better?
Cedric Jamie Soh
Cedric Jamie Soh, Director at Seniorcare.com.sg
Level 9. God of Wisdom
Answered on 20 Sep 2019
You are comparing Basics vs Honours UK vs Australia. If it's me, I will prefer the UK, as the diversity in London alone is more wide and deep than even Singapore (if you think Singapore is multi-racial, wait till you arrive in London) There is so much to glean and absorb by being in London itself. (Wait I just realised you could be getting the degree in Open University in Singapore, so may not have the opportunity to fly over to study, but still, I think the UK brand is more largely recognised) I am not sure if the cost is a factor, as the UK stuff is probably a lot more expensive British Pounds Australia Dollar
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