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Career

Lifestyle

Savings

Insurance

SG Budget Babe

Should I go consult with a financial advisor/consultant?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Updated 1h ago
When you need more resources an independent advisor could be of help some of integrity are on this Seedly board (hint: among those with the most answers) otherwise, generally it is, as with doctors (or with all professions): how to find the one free of conflicts of interest ? difficult.
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Dividends

Investments

If I buy more units after the ex date, will I earn dividends off those new units?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered 3h ago
On the next 'record date' https://www.six-group.com/exchanges/knowhow/products/shares/dividends_en.html
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Fresh Graduates

CPF

Insurance

Term Life Insurance

Should I determine how much I should spend on insurance based on my take home salary before or after CPF deductions?
Hi Anon, I would suggest before. Because even if I'm ill and cannot work, I may still want to continue contributing to CPF to make payments for the home, save for retirement, etc. If I'm dead, then it was money that was meant to be there if I was alive. It is part of my income and we plan our entire lives around our income. The food we eat, the clothes we wear, and the house that we live in is all based on our total income.
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Critical Illness (CI)

Best Critical Illness + Life Insurance Plans?
Hi Anon, I would recommend you speak to an independent financial advisor or a few advisors to get a comparison but I've provided a sample screenshot on a comparison of Whole Life Plans with CI below. I also have one for multiple claim CI term plans as well with me. (EDIT added) ! ! As a rule of thumb, do get 5 X Annual Income as coverage in the event of critical illness to protect your ability to earn money while ill and I would recommend to get this covered for life. And there isn't a best plan, just the most suitable with great benefits. My comparison always ends up with Aviva, Manulife, and China Taiping being the top options for Whole Life with CI and Aviva, Manulife, and Tokio Marine, for Multi Pay CI Term plans.
Answer image preview
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Senoko Energy

Electricity Retailers

Promo Codes

Does anyone has Senoko Voucher/Coupon/Promo code?
Lin Weiyuan
Lin Weiyuan
Level 2. Rookie
Answered 6h ago
Use my referral code: ZY8E1JUW for $30 Senoko bill rebate! You can also stack this on top of any current promo code to enjoy extra rebate! Enjoy your savings! :)
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Savings

Career

What side hustles can you do at 13 in Singapore?
Tan Kel Vin
Tan Kel Vin
Level 4. Prodigy
Answered 6d ago
You can either focus on short term side hustles like doing online surveys, doing freelance, which is easy and have high payout, but down the road the sum is quite insignicant. But if you can focus on creating content, eg Udemy tutorials, YouTube, taking photos to sell, this side hustle will snowball into a very very large amount later on. Simply because it's scalable. Here's my list of top 10 side hustles which you can check out (yes, i'm hustling too) https://youtu.be/zEKi-WePWFY
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Insurance

Career

Entrepreneurship

I run a consulting firm. How do I protect against liability for advice, consulting work I do? My agent friend told me to look for public liability.?
N
Nathaniel
Level 5. Genius
Updated 6h ago
For consultants, you would be looking at Professional Indemnity Insurance. Public liability insurance protects you against liability for injuries/property damage to third-parties (e.g. clients slipping in your office and injuring themselves). It does not cover the liability you have from the professional advice you dispense. Professional indemnity insurance, on the other hand, does cover you from liability stemming from your consulting work. It protects you from negligence, errors & omissions, sub-contracted work (e.g. outsourced consulting), and much more. This is an essential protection for any type of consultant. Annual premiums can start from as low as $450 - that's about $37/month, which is probably less than than you'd spend on food in a week... Provide helps you get online consultants insurance quotes . With Provide's online platform, you'll save up to 25% on premiums.
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Investments

ETF

Online Brokerages

Healthcare

What are your thoughts on iShares Global Healthcare ETF (NYSE: IXJ)?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered 7h ago
Maybe IHI is better performing.
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Investments

Robo-Advisors

Endowus

StashAway

Syfe

DBS digiPortfolio

OCBC RoboInvest

Why does only Endowus allow investing via CPF?
Hi Anon, only companies with the FA license can distribute and advise on CPFIS funds. For current robos that's EndowUs and MoneyOwl. MoneyOwl has mentioned a few times they're launching one as well. The other robos have a 'fund managment' license instead. Additionally, all licensed human advisors can distribute and advise on the same CPFIS funds that EndowUs provides except the S&P 500 LGI index fund that only EndowUs has for the moment.
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General

Lifestyle

Are staycations worth it? I have noisy neighbours; Looking to have some quiet time alone. But should I spend on this?
Have a conversation with them? Otherwise.. town council.
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