SeedlyTV EP01

Use the formula to calculate the cost per mile: Cardup service fee / {(1+Cardup service fee) Miles per dollar} Example: At 1.9% service fee. My card earns 1.2mpd. Cost per mile = 0.019/(1.0191.2)= 0.0155 It will cost 1.55 cents to earn a mile (fair value of 1 mile is around 2 cents for me). Hence it is worth it. If Cardup is going to charge me at 2.6%, I will not use it because the CPM will then be at 2.11 cents. You need to determine yourself how much 1 mile is worth for you. I will refer you to this link from milelion. Use my Cardup promo code CHUNCHUANL50 to get $20 off your 1st payment if you are keen to explore!

Hi! Since your current financial plan is based on the Singapore markets, you can leave a majority of your investments in Singapore itself. However, you should take some amount to the place you retire and invest there to have some more liquidity in case you need some funds in the new country. As most transactions are online these days, it should not be too much of a hassle to deal with investments from anywhere in the world. I work at Kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Boy, you're still young Go for courses that shape your mindset, followed by public relations/communication, then valuable skills such as stock trading/investments and sales/business, if that interests you in the future. Use your multiple gahmen bonuses (don't be stingy) to buy books and online courses that gives you skills that can serve you well after 30s or 40s. Don't rest or be comfy. Be restless and keep learning and applying what you learnt. When you think you are oredi champion, then you're screwed! Invest in your health too. So that when you are rich in the future especially if you follow my advices, you can enjoy the fruits of your labour while you're in the pink of health Dun give excuses or ask too many questions. Seek knowledge thru coaching and mentorships and apply to gain experience. Gain feedback and improve. Rinse and repeat, until cow come home.

You can earn or invest. Assuming investing can wait, you can focus on earning with different part time jobs eg. participate in research studies, work event jobs (like the Coffee Festival) or give tuition. If you really want to start investing perhaps you can work out an agreement with your parents! Personally though, I think saving is much more important when growing up because young people like me really spend too much - peer pressure, indecision, whatever. Here are 3 areas I think you'd do well to focus on! 1. hanging out with friends: when you want to hangout but would be too broke for another cafe, consider dabaoing food to an open area like rooftops/open fields, sleepovers, cycling trips or even hike -- saves alot over time! 2. following (expensive) trends: trends will come and go - though you'd be tempted many times (like, I don't know, Fila Destroyers) but growing up is a great time to explore and figure out your own style and preferences, so others wouldn't decide it for you! You can explore styles by thrifting or clothes swapping with close friends for example. 3. trying to save too much: on the other extreme sometimes we spend lesser on important items - I'd recommend spending more on basics that can stretch for a longer period of time (eg. comfortable shoes, good quality basic clothing).

1M65! Ho Ching! because she shared seedly post before!

I would think that paying of your student debt would be the top priority. Because interest works both ways: - Up: When you have positive returns it will compound - Down: when you have debt, your interest of 1-2% will grow as well

If you didn't like it, don't sign the paperwork. Even insurance companies offer standalones. Don't judge them all by one example. That's why there are so many in the first place. No offense, but you don't know enough about the industry to assume that comment is true. In any case, that's why I have a job. But that also means you have to pay a distribution cost to a Financial Advisor. So you kind of have to decide - are you going to do the work or is someone going to have to do it for you? Personally I'd pay, because my time is money.

The Vanguard and Blackrock studies have shown that if you have more, you should invest more. Otherwise, you can DCA. Especially if you're a low-commitment, low-risk investor. You should really invest regularly over time as a general rule if you're trying to build capital.

I'm interested in this response because the Seedly people who are usually FIRE supporters aren't exactly known for appreciating the range of coverage for insurance. Who knows, really. I actually don't think disability income insurance is an essential insurance though, or has been marked as such. By the way, I'm a licensed Financial Consultant. So seeing as I just cut off an opportunity to sell, it should tell you something.

You shouldn't take the risk and invest in a fundhouse instead. Such as mine. https://www.facebook.com/luke.ho.54