Personal Finance Community - Seedly

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Investments

Kenneth Lou
Kenneth Lou, Co-founder at Seedly
Level 8. Wizard
Updated 14h ago
Tee Ming, my co-founder here at Seedly, has used Robinhood! He actually has a US based bank account when he was working there and he has been using it ever since. Will get him to reply here on his experience! Look out for it :)

Credit Card

I don't GIRO my credit card payments since I wish to retain control to an extent: I always check my statements and make sure they are correct before paying. This does require a certain level of discipline however, but you'll be able to catch any suspicious transactions and you can call and dispute before paying. If you fear missing a payment, then GIRO is probably better, but I would still check my statements once they are ready.

Lifestyle

XY
Xue Yi Hang
Level 2. Rookie
Answered 8h ago
Actually why not learn from the internet for free? I started from cup noodles level myself and learned all my cooking from YouTube. Now I cook better than my wife :) You can simply search for things like "basic knife skills" and stuff like that and learn all your fundamentals there. The Pro Home Cooks YouTube channel is great too!

Insurance

PFF Panel 1

Seedly PFF 2019

If there is no pre-existing condition, it really depends on their affordability. Minimum would be at least the standard plan or B1 to cover pre and post hospitalisation. That is if you can afford. Riders can be left out if you do not have enough cash to fund it.

Promotional Codes

Mobile Plans

Circles.Life

You can use my referral code: CLAHW during your signup and get $38 off your registration fee and also UNLIMITED Data free for 3 months! Find out more: https://shop.circles.life?reset=true&referral=CLAHW

Family

Insurance

Lau XinYi
Lau XinYi
Level 2. Rookie
Answered 2d ago
AIA Mum2Baby Protect is a bundle of the wholelife plan AIA Guaranteed Protect Plus II (GPP) together with maternity coverage. 1) The AIA Mum2Baby plan allows you to transfer the life coverage from you to baby. Includes also the early critical illness coverage. 2) You can guarantee life insurance coverage for your child after birth. 3) This is very important as I’ve seen children born with conditions like heart murmur that complicate any insurance coverage at birth. For IVF/IUI/ICI and ICS pregnancies, there is no extra premium needed and this can save you quite a bit. Once again, there’s no such thing as the best plan as there’s only the more suitable ones! (: https://www.aia.com.sg/content/dam/sg/en/docs/product_brochures/medical-protection/aia-mum2baby-choices-brochure.pdf

Investments

STI ETF

Bonds

E
Evelyn
Level 2. Rookie
Answered 5d ago
Why not both? Like you said they have opposite effects, having both safeguards your interests. That’s what I am doing now if it helps.

Savings

Family

Lifestyle

Alson Chua
Alson Chua
Level 3. Wonderkid
Answered 5d ago
I used to gave my mom every month $500-$800 cash and pay her phone bills and some other bills. She has a full time job and long story short, I found out that she’s not been saving up the money I gave to her and instead spending on unnecessary stuffs. Now I stop giving her the cash and instead I use the money to top up her Special Account. Calculate how much more to hit the minimum sum when she retire and top up every month accordingly. I told her I will start to give her cash again when her CPF start paying out the monthly Retirement Sum. This way you don’t need to worry she anyhow spend and no money to retire, all burden falls on you.

Career

Jacqueline Yan
Jacqueline Yan
Level 1. Freshie
Updated 11h ago
I suppose this depends on the culture at your workplace, is it more sensitive towards such topics? Also how close you are with these colleagues? I recently gone through something similar and to most of the colleagues, I told them that I had my own appointments. But to the closer ones, I did share that I was going for a job interview.

Finance Savvy

Lee Cheng Qian
Lee Cheng Qian
Level 2. Rookie
Answered 19h ago
Modern Monetary Theory (MMT), it's fallacies and why it would fail.
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