BT Money Hacks

Money Hacks Ep 68: Lessons for budding women entrepreneurs in the Covid-19 era 15:22 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode is aimed at budding women entrepreneurs. Do you feel the burning desire to become one? If you are a mother or a caregiver, and thinking about starting a side business, this episode is for you. Ernest Luis hosts Joyce Tee, the group head of SME banking at DBS Bank. She answers the following questions: What are the top concerns of women entrepreneurs? (2:30) Is this a good time for women "sidepreneurs" to test business ideas as more work from home during this Covid-19 period? (5:10) Ms Tee offers useful tips as she recounts her life story of how she started her own side business in the early 80s at the age of 13 while she was schooling (6:15) Resilience, research, understand your competitive landscape, be clear about your target audience, know what differentiates your service (9:03) How women should approach business and not fall prey to gender stereotypes (10:40) Produced by: Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 67: How can AI and big data help investors? 9:07 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. In this week's episode, we talk about artificial intelligence (AI) and big data and how they can help investors. Chris Lim hosts Adam Reynolds, CEO Asia-Pacific, Saxo Markets, as he answers the following: 1. What's state-of-the-art now in terms of AI and big data for investors? (0:46) 2. How accurate are the AI recommendations? (2:06) 3. A beginner's guide to using AI for investing (4:45) 4. How comfortable should investors be with trusting AI? (6:13) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: http://bt.sg/podcasts Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 66: Should you invest your CPF money in a turbulent market? 9:06 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. In this week's episode, we talk about CPF investments, and if you should invest them in a turbulent market. Chris Lim hosts Gregory Van, chief executive and founding partner of Endowus, the only digital investment adviser that now has a CPF investment option, as he answers the following: 1. What is the difference between traditional CPF investment schemes and digital schemes? Are there hidden fees? (1:02) 2. In a turbulent market now worsened by the coronavirus threat, should you invest your CPF funds? (4:09) 3. CPF is your long-term money. How can it perform if you take a similar long-term market view versus just leaving it in CPF? (5:14) 4. Invest wisely, strategically, not tactically. Strategic investment means a long-term approach, whereas a tactical investment means trying to beat the market with constant changes. Find out the pros and cons of such approaches (9:29) Produced by: Chris Lim and Ernest Luis Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 65: Basics of loyalty programmes 9:06 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. In this week's episode, we talk about loyalty programmes, what they are and how they can work for the investor. Chris Lim hosts Adam Reynolds, CEO Asia Pacific, Saxo Markets, as he answers the following: 1. Should investors even care about loyalty programmes? (1:09) 2. How common are loyalty programmes in the online brokerage industry? (1:56) 3. Does Saxo expect other brokerages to launch competing loyalty programmes? (6:07) 4. Don't just trade for the sake of racking points up (7:03) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 64: Demystifying managed portfolios 9:42 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. In this week's episode, we take a look at managed portfolios: what exactly are they and how are they managed? Chris Lim hosts Christophe Marciano, head of discretionary portfolio management, DBS Bank, as he answers the following: 1. What is a managed portfolio? (0:25) 2. What is the process like? (3:12) 3. What are the pros and cons of DBS Bank's global and Asian digi portfolio products? (4:27) 4. Which ETFs (exchange-traded funds) are available in these portfolios? (6:41) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 63: What are vehicle protection services? 15:13 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. How different are vehicle protection services from car insurance? Ernest hosts Manfred Schmoelz, president of the Asia-Pacific region for Assurant, as he answers the following:   1. What should consumers look out for, when buying a new car? (4:00) 2. What about some Singapore car owners who only intend to keep their cars for 3 to 5 years? Do they need to consider different approaches when choosing a vehicle protection service? (6:02) 3. The changing profile of the Asian consumer. (9:10) 4. How AI adoption - combined with human supervision and compassion -  helps make claims and turnarounds faster and more efficient, and reduce fraudulent cases. (10:22) Produced by: Ernest Luis and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 62: What is a robo-advisory? 10:15 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. Robo-advisers are becoming more common in Singapore, but just what is a robo-advisory and how is it different from traditional investing methods? Chris Lim hosts Evy Wee, head of financial planning & personal investing at DBS, who explains the basics: 1. What is a robo-advisory? (0:24) 2. Are robo-advisers easier for people who are starting their investing journey? (1:16) 3. What kind of fees are involved? (4:20) 4. Equities vs ETF portfolios: what are the basic considerations? (7:57) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacksSee omnystudio.com/listener for privacy information.

Money Hacks Ep 61: Getting the most out of cashback/rewards cards 10:03 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. Most Singaporeans have either a cashback or rewards points credit card, some even have both; but are we getting the most out of them? We speak with Mark Cheng, media sales lead at financial comparison site MoneySmart.sg, who shares his insights with us: 1. What are some of the basic things you need to consider? (0:31) 2. Things to take note of when redeeming air miles/points (5:07) 3. What if my spending is not consistent enough to maximise the benefits? (6:19) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGd Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 60: Maximising air miles and credit cards 9:04 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. Singaporeans love to get out of the country at every opportunity and this episode focuses on understanding credit cards and air miles better. We speak with Mark Cheng,  media sales lead at financial comparison site MoneySmart.sg He breaks down the various options: 1. Which card is better, those that accrue miles or points? (1:17) 2. What misconceptions are there? (2:00) 3. What to consider before redeeming your air miles (4:08) 4. How do you maximise your air miles? (5:06) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGd Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 59: Mortgage loans 101  14:44 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode focuses on understanding mortgage loans better. We speak with Cris Ng, the head of mortgage at financial comparison service Moneysmart.sg He walks us through various options: 1. Customers tend to fear mortgage loans and want to pay as little as possible and pay off as soon as possible. Why this is a misconception. (1:37) 2. Should you go for floating or fixed mortgage rates? (2:31) 3. First-timers, upgraders, seasoned investors: What they should know, including tips on types of mortgages they should choose (8:44) 4. Why is refinancing often overlooked by Singapore customers? (9:45) 5. How upgraders can approach mortgage decisions and the practice of "decoupling". (11:33) Produced by: Ernest Luis and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGd Website: http://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 58: Credit cards for millennials  9:54 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode focuses on credit cards for millennials specifically. We speak with Natalia Goh, head of credit cards and personal loans at Standard Chartered Bank Singapore who . She tackles our questions: 1. What would a millennial need from a credit card? (0:27) 2. Besides air miles, is cashback also another criteria millennials look at? (2:20) 3. How many credit cards do millennials typically hold? (3:55) 4. What should millennials look at when choosing a credit card? (4:51) 5. Should millennials be looking at pairing a bank account with a credit card to maximise benefits? (8:01) Produced by: Chris Lim & Lee Kim Siang Edited by: Adam Azlee Follow more Money Hacks podcasts and rate us on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Playlist: https://str.sg/JwDa  Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra:  https://str.sg/Jw5T  Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 57: What's the difference between credit card fraud and disputes? 10:02 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.This episode focuses on credit card fraud and disputes. We speak with Natalia Goh. head of credit cards and personal loans at Standard Chartered Bank Singapore, who tells us what the differences are. She tackles our questions:1. Is there a difference between a credit card dispute and credit card fraud? (0:37) 2. How many months' worth of receipts should you keep? (2:41) 3. What are the steps you can take to protect yourself against fraud? (5:03) 4. What are the different channels banks use to send alerts to customers? (7:11) Produced by: Chris Lim & Lee Kim Siang Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 56: How to choose the best travel insurance policy for your needs 10:10 mins Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. This episode focuses on travel insurance and we speak with MoneySmart's Singapore general manager Abel Lee, who oversees its insurance business.  He tackles our questions: 1. How can travel insurance be seen as an investment? (0:57) 2. What should we take note of when choosing a policy? (1:45) 3. How important is it to check the T&Cs? (4:09) 4. Is there a best time to buy travel insurance? (5:02) 5. Are there particular kinds of travel insurance policies for specific groups of people? Produced by: Chris Lim & Lee Kim Siang Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: https://bt.sg/moneyhacks Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 55: How to start investing with forex 8:51 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode focuses on foreign exchange, specifically, how one can approach FX as another avenue for investment. We speak with Sumeet Bhambri, Standard Chartered's regional head of wealth management for Asean and South Asia, for his take on FX investing. He tackles our questions: 1. What is FX? (0:40) 2. How do we use FX as an investment vehicle? (2:06) 3. What tools can we use to help us? (5:52) Produced by: Chris Lim & Lee Kim Siang Edited by: Adam Azlee Dear readers,We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.Link: https://sph.au1.qualtrics.com/jfe/form/SV_4MwYEyWCtmRKUHH Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: https://str.sg/JJmm Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 54: How to save more when paying for overseas property investments 8:51 mins Synopsis: In this fortnightly podcast series on Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode is aimed at how best to pay for property investments overseas. Do you use expensive banking services? Or new cheaper fintech-enabled money transfer services? Mr Nilan Peiris is the London-based vice-president for growth for TransferWise, which has 1,600 staff members and about 150 in Singapore, and is also regulated by the Monetary Authority of Singapore. He tackles our questions: 1. Does it really cost a lot to move money overseas via wires? 2. Understand why it is important to know about the transparency of the services you are using. 3. Why is speed important when you need to do time-sensitive good value property investments overseas? Entrepreneur Kiyan Foroughi also comes on the show to talk about his own personal experience with money transfer services provided by banks and new fintech companies, and the big differences he has found when servicing property mortgages overseas.  Produced by: Chris Lim, Ernest Luis & Lee Kim Siang  Edited by: Adam Azlee Dear readers,We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.Link: https://sph.au1.qualtrics.com/jfe/form/SV_4MwYEyWCtmRKUHH Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 53: How fintech helps you with cheaper and faster money transfers overseas 9:43 mins Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode is aimed at how best to transfer your money abroad, and in cheaper ways. Entrepreneur Kiyan Foroughi comes on the show to talk about his own personal experience about money transfer woes with banks and why he uses new fintech services like TransferWise to save on costs and speed besides getting better transparency. He has business investments and property mortgages overseas, and needs to transfer money to family members around the world. Mr Nilan Peiris - another guest on the show - is the London-based vice-president for growth for TransferWise, which has 1,600 staff members and about 150 in Singapore, and is also regulated by the Monetary Authority of Singapore. He answers the following: 1. What are cross-border money transfer services and why do they save their customers money?  2. How you can save up to 10 times on the cost of sending a sum of money from Singapore to the UK, Europe or Australia. 3. How instant payment - thanks to fintech - means that customers can send money to pay for a leaky roof repair in London for example, within 20 seconds. Produced by: Chris Lim, Ernest Luis & Lee Kim Siang  Edited by: Adam Azlee Dear readers,We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.Link: https://sph.au1.qualtrics.com/jfe/form/SV_4MwYEyWCtmRKUHH Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 52: Tread growing e-commerce investment trend in Asia with caution 8:48 mins Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode is aimed at how you can make money from Asian consumer growth. Here to explain that is our guest Nirgunan Tiruchelvam - the head of consumer sector equity research at Tellimer (formerly Exotix Capital). He has been an equity analyst covering Asian stocks since 2004.  What kind of e-commerce trends should we study in Asia before investing? (0:51 mins) E-commerce is an emerging sector in Asia if you want to consider widening your investment options in future. (3:05) Watch the rise of old-economy companies that provide logistics, transportation and warehousing, like Singapore Post Limited for example - which is a listed company. (4:50) Be wary of cash flow-negative companies that are unlisted in Asia and may not be able to continue being funded by the venture capital and private equity community in this region. (5:53) Produced by: Ernest Luis  Edited by: Ernest Luis Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 51: Making more money from Asian consumer growth 10:56 mins Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips. This episode is aimed at how you can make money from Asian consumer growth. Here to explain that is our guest Nirgunan Tiruchelvam - the head of consumer sector equity research at Tellimer (formerly Exotix Capital). He has been an equity analyst covering Asian stocks since 2004.  As Asia is a massive region representing 60% of the world’s population, he says that the region is on the cusp of a consumer boom. Find out why consumers in China, India and the Asean region are eating more, drinking more and spending more. He suggests two investment sectors to look at - Asia's canned beer and traditional meat markets. 1. Why is Asia’s beer market about to explode with the introduction of canned beer? This trend is expected in less developed Asian markets in South-east Asia and China and India. 2. Despite newly-listed company Beyond Meat’s incredible rise as as a veggie meat company, real meat is the real investment story in Asia.  Investors should note that Asia’s meat producers like Charoen Pokphand Foods, are about to see a big boom as prosperity levels rise in China and India.  Produced by: Ernest Luis  Edited by: Ernest Luis Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 50: How to invest amid market volatility 10:24 mins Synopsis: In this podcast series every Monday, The Business Times and The Straits Times break down actionable financial tips. This episode is about how to invest amid market volatility. Trade wars, currency swings, natural disasters - what's an investor to do when markets flip one way, then flop the other way? Chief investment officer of StashAway, Freddy Lim, gives listeners tips on how to approach investments even when markets are roiling. This includes both advice on the fundamentals of investment, as well as modern tools that can make a hassled investor's life easier. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 49: The ABCs of robo-enabled wealth management 10:49 mins Synopsis: In this podcast series every Monday, The Business Times and The Straits Times break down actionable financial tips. This episode walks listeners through the ABCs of robo investing. What's a robo advisory, why would you want to use one, and how much might it cost? How intelligent are such systems, how much work do we still have to do to make the most of them, and how can they make our money lives easier? Chief executive of StashAway, Michele Ferrario, breaks down robot-enabled, technology-assisted investment for listeners. StashAway is regulated by the Monetary Authority of Singapore. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 48: Actionable financial tips for young parents and children 12:12 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is aimed at how parents can get children to appreciate the value of money in an affluent society. Money Hacks' co-hosts Chris Lim (above left) and Ernest Luis talk actionable financial tips for young parents and children up to the age of 16.  How old can they be before you show them the value of money and sacrifice, and teach them the concept of cash flow (allowances versus expenses)? 1. Parents can use tokens to exchange if they are too young to have hard currency allowances (1:30) 2. Are there tools to help parents educate children better? (2:35) POSB Smart Buddy is an introduction to digital payments. Children wear a watch that lets them tap to pay at certain stores such as those in school and at selected merchants.  Parents download the mobile app so they can allocate allowances and check on the child's spending in real time. The OCBC Mighty Savers programme is for children below 16 with interest of up to 0.8 per cent a year. 3. What is the concept of delayed gratification for children? (3:59) 4. How to be financial role models for your children. (7:30) 5. How to inculcate habitual saving, start an allowance early even if it is tokenised, explain delayed gratification, transit to real money as early as possible, and involve children when doing abstract investments like gold (10:25) Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 47: Getting started with SkillsFuture-funded courses if you have unused credit 11:16 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. The $500 SkillsFuture credit is given to all Singaporeans aged 25 and older. The scheme was launched in January 2016. Money Hacks' co-hosts Ernest Luis (above, right) and Chris Lim discuss practical tips to get started if you have not used your SkillsFuture credit. Logging in, checking on your remaining credit Prioritise and identify skills that can help upgrade your career, or personal goals, as programmes are divided into categories: students, employees, employers, learning throughout life Check on new available courses that were not listed a few years back Plans to enhance the MySkillsFuture portal, which provides information on careers and the corresponding skills needed, mean users will be able to create an e-passport listing their e-certificates from training. The upcoming SkillsFuture Festival 2019 will be held from June 28 till Aug 11 - featuring six weeks of workshops, talks, roadshows, experiential learning and lifestyle activities across the island, to inspire Singaporeans to develop a passion for learning and pursue skills mastery. SkillsFuture website: https://www.skillsfuture.sg/ Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 46: How to start investing with just $100 a month in your 20s 11:16 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is brought to you by OCBC Bank. It is aimed at those in their later 20s, and how to move beyond just insurance and good bank accounts. Money Hacks' Chris Lim (left) hosts OCBC Bank senior investment strategist Vasu Menon (centre above), who gives Lynette Tan - a 26-year-old Business Times journalist - practical tips to get started. In a Jan-Feb 2019 Frank by OCBC survey of 866 students and young working adults aged 16-29, close to three-quarters said they wanted to start investing, with almost a third in it for long-term gains, though fewer than two in five considered themselves knowledgeable about investing. We cover three structured tips to help young people consider when wanting to invest. Is a five-figure sum the minimum you need to start investing properly? (1:40 mins) Step 1: How to automate investment of unit trusts with as low as as $100 monthly? (2:01) A $100 monthly minimum can also get you started in an OCBC blue chip investment plan (2:23) Step 2: Knowledge is critical next, after you get started with a monthly $100 investment. Attend workshops and talks like Frank by OCBC's Young Investor programme (3:35) Step 3: How to do your homework safely before jumping into the markets? Create a simulated portfolio and how to write yourself a private proposal (4:32) What is time diversification, and why is it good to do this in a blue chip investment plan? (6:42) Why it is good to take emotions out from a structured investment journey, and not let it affect your work or distract you needlessly (7:29) Get more Frank by OCBC articles for the young here. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 45: How to choose insurance in your 20s 8:44 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is brought to you by OCBC Bank. It is aimed at insurance, a product which the young in their 20s need, but sometimes find it hard to figure out what they should get first. Money Hacks' Chris Lim hosts 29-year-old Navin Sregantan, a journalist at The Business Times and Mr Kelvin Goh, OCBC Bank’s Head of Investments and Wealth Advisory. In a Jan-Feb 2019 Frank by OCBC survey of 866 students and young working adults aged 16-29, only slightly more than half were aware of different insurance products, and less than half considered themselves knowledgeable about insurance. Are there still myths or misconceptions about insurance? 1:10 mins - Banks actually do provide some insurance plans, and how to use self-service banking tools like OCBC Life Goals to plan and identify gaps and protection needs. 2:27 mins - Can buying an insurance plan through a bank help you earn higher interest? 3:35 mins - How much and what kind of coverage should people in their 20s have?  4:08 mins - Why you should add riders to insurance plans. 4:28 mins - What is the second coverage plan you need next, especially if you're working in your 20s? 5:14 mins - If you plan to get married, are life insurance plans crucial? Get more Frank by OCBC articles for the young here. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  iTunes: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 44: Financial adulting 101 and controlling monthly credit card debt 11:52 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is brought to you by OCBC Bank. It is aimed at those in their 20s and are starting to work, and how can set themselves up financially to avoid common mistakes and focus on their careers.  Money Hacks' Chris Lim hosts 20-year-old Vanessa Lim, a temp at The Business Times, and Mr Kelvin Goh, OCBC Bank’s Head of Investments and Wealth Advisory. In a Frank by OCBC survey of 866 students and young working adults aged 16-29, done earlier this year, only two-thirds managed to stick to a budget - or even have an expense budget - and two out of five struggled to stick to their saving plans. How to get started after listening to this episode: 1:00 mins - Should you have two bank accounts - one for paying bills and one for saving? 2:04 mins - Mr Goh advises on the first step - how to automate transfers to savings every month. 4:00 mins - Should you stick with only one bank account like the OCBC 360? 5:37 mins - Paying cash for everything means you miss out on credit card perks. How do you avoid drowning in credit card debt when you are starting out in your career? Should you set a credit limit on your card? 7:50 mins - Credit cards should not be used as a back door to overspending beyond your means, but the right accounts mean that interest tiers can grow with you when you are ready for larger financial commitments. 8:20 mins - Can old-school diaries, Excel spreadsheets or even online tools like OCBC's Money In$ights help you budget and track spending and saving more effectively? Get more Frank by OCBC articles for the young here. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  iTunes: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 43: Saving for key life goals in your early 20s 12:33 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is brought to you by OCBC Bank. It is aimed at millennials and students who have life goals but aren't sure how to work towards them. Money Hacks' Chris Lim hosts 19-year-old Lim Li Shian (Liz), a temp at The Business Times, and Mr Vasu Menon, OCBC Bank’s Senior Investment Strategist, Wealth Management Singapore. In a Frank by OCBC survey of 866 students and young working adults aged 16-29, done earlier this year, almost three-quarters said travelling is important to them, while more than four out of five ranked life experiences as a top priority, along with maintaining relevant skills as part of pursuing further education. Are these goals realistic? 0:42 mins - Mr Menon guides Ms Lim, who says she wants to set aside money for university studies, travel overseas, or learning a new language. 1:41 mins - He shows her Frank by OCBC's Savings Goals online calculator and how to set aside money each month to achieve her immediate goals. 2:57 mins - Are long-term goals also important for the young to keep in mind? 4:16 mins - Find out why you should not borrow money to achieve short-term goals, like travel trips. 7:00 mins - How about Ms Lim's medium-term goals like owning a car? Find out what advice she gets. Get more Frank by OCBC articles for the young here. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 42: How to get bonus interest in bank-and-earn accounts 8:42 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is aimed at those who have just started working, or are drawing a regular salary, and want to know how they - and also young married millennial couples - can use bank-and-earn products better, so they can earn more interest with the money that goes regularly into their accounts each month. Helping us to make better sense of it all is Ms Priscilla Joseph, vice-president of consumer banking for DBS Bank. Our questions: What are bank-and-earn accounts and why are those offered by the major banks (such as UOB One, DBS Multiplier and OCBC 360) better than basic savings accounts? Each bank has its own specific product calculators online for you to type in your salary, or minimum credit card spend. What are the key basic criteria you should concentrate on, in order not to overstretch yourself? Do these bank-and-earn accounts serve you best if you have a regular monthly salary? What if you are married and are self-employed or a freelancer in the gig economy? We work through the example of a new-to-the-workforce graduate with a credited median salary of $2,800 (excluding CPF), and a credit card spend per month of $200, which is manageable in paying back monthly outstanding amounts, to avoid credit debt. With two categories above ticked off, the eligible interest rate is 1.85% p.a. for the DBS Multiplier account, for example. Many accounts give you bonus interest if you increase your bank account balance relative to the previous month. That can be hard to do if you constantly have bills to pay each month or, worse still, some bigger bills that come quarterly, or annually. What is a money hack to manage this? Tune in. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  iTunes: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 41: Top tips on preparing yourself to sell or buy your HDB flat 8:42 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. Editor's note: Property information correct when published on April 29, 2019 We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome, that is aiming to make housing transactions in Singapore simple, fast and affordable. They explain the steps and mindset you need to have, if you are ready to sell or buy a HDB flat: Do you want to engage a property agent or do-it-yourself within your set time frame? Family members selling to each other: Does this scenario apply to your case? How much paperwork is involved? You can also pay for just documentation preparation services Understanding finance calculation and bank or HDB loans Decide what is the most important criteria for yourself: Is it money or location? You can download HDB's app too. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  iTunes: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 40: Top myths to dispel for HDB flat sellers and buyers in today's market 9:09 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. Editor's note: Property information correct when published on April 22, 2019 We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome. Ohmyhome is an online one-stop shop with a 30% market share, that is aiming to make housing transactions in Singapore simple, fast and affordable. They help us dispel the top myths and misconceptions for HDB flat sellers and buyers in today's market. You can download HDB's app too. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 39: How to be happier in life by being less of a financial hoarder 11:18 mins Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes. Our guest is Dr William Wan, the general secretary of the Singapore Kindness Movement, and he has advice of a different type, rather than hard money-making or saving strategies. He warns against financial hoarding by outlining four points in this episode: 1. "Make all you can, save all you can and give all you can." - applying John Wesley's dictum to stewardship of your own finances. (1:50) 2. In making a will, and if you are more capable financially, consider not just the benefit of your family members, but also blessing charities and other needy organisations whose missions resonate with you. (5:10) 3. In your retirement years, consider spending a bit more on yourself to enjoy the fruits of your labour. Take vacations and enjoy some of the comforts of life. No point in hoarding all for your children, for example. (6:07) 4. Live above, within or below your means. Living above will burden you with debts. Living within is usually just about spending on yourselves. But living below will ensure you have some to share with others, and that can be a good principle to strive for during your working years. (7:01) Dr Wan's new book - Through The Valley, The Art of Living and Leaving Well - is out in major bookstores or online. Check ST Press' Facebook page. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 38: Make compound interest your best financial friend if you're in your 30s 10:23 mins Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes. Aggregate Asset Management is a fund management house that focuses exclusively on equities, also known as stocks. The company was first launched in Singapore in December 2012, and was the first local fund house to adopt a zero-management-fee model, charging only a performance fee. We chat with co-founders and executive directors Wong Seak Eng, Kevin Tok and Eric Kong about how you can retire earlier with a bigger retirement income by the age of 60 if if you plan as early as your 20s. For example, if your portfolio returns in equities or stocks are 10% a year, the Rule of 72 calculator - which means how many years it takes you to double your money - shows that 72 divided by 10, equals doubling your portfolio's value in seven years. So if you invest $1 at the age of 30, it can become $2 when you're 37, $4 by 44, and $16 by the age of 58. On paper, they explain that you have many seven-year cycles to go even if you're in your 30s, to maximise the power of compound interest. Are you also aware of transaction costs, brokerage or custodian fees? Do know they can also eat into your stock investment profits. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 37: How you can fund your retirement systematically with equities or stocks 10:19 mins Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes. Aggregate Asset Management is a fund management house that focuses exclusively on equities, also known as stocks. The company was first launched in Singapore in December 2012, and was the first local fund house to adopt a zero-management-fee model, charging only a performance fee.  We chat with co-founders and executive directors Wong Seak Eng, Kevin Tok and Eric Kong about why equities are a great tool to fund your retirement. Find out why merely having a stock portfolio isn't enough, if it's messy like rojak.  The three directors also explain the Rule of 72 calculator, which essentially means how many years it takes you to double your money. For example, if your portfolio returns are 10% a year, 72 divided by 10 means you will double your portfolio's value in seven years. If your returns are 1%, it will mean you only double your money in 72 years. Explore the power of compound interest in making your assets work harder for you. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 36: How to build your wealth by investing in equities or stocks 10:19 mins Synopsis: Every Monday, The Straits Times and The Business Times break down financial tips so you can take action after listening to our podcast episodes. What are the best assets to invest in? Property? Bonds? Aggregate Asset Management is a fund management house that focuses exclusively on equities, also known as stocks. The company was first launched in Singapore in December 2012, and was the first local fund house to adopt a zero-management-fee model, charging only a performance fee. We chat with co-founders and executive directors Wong Seak Eng, Kevin Tok and Eric Kong about why equities are a great tool for making your money work harder for you. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Season 2: Step-by-step tips for HDB flat sellers in today's market 10:19 mins Synopsis: In this podcast series, The Straits Times and The Business Times break down financial tips so you can get started after listening to this episode. Editor's note: Property information correct when published on Feb 18, 2019 We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome. Ohmyhome is an online one-stop shop with a 30% market share, that is aiming to make housing transactions in Singapore simple, fast and affordable. Here are their top step-by-step tips for HDB sellers in today's market. 1. Register an Intent To Sell in the HDB resale portal (which is valid for 12 months) 2. How to check data and set your flat price more accurately as today's more price-sensitive and educated buyers are able to compare flat prices and past resale values in your area, and use apps like Ohmyhome's on iTunes and Google Play. 3. For initial eligibility checks, visit HDB's portal to check ethnic integration policy and related quota in various estates  4. Ensure you fulfil the minimum five-year occupation period 5. Decide if you want to engage an agent or consider a do-it-yourself approach, and how to ensure you have done the proper financial calculations and timeline planning for selling and buying your next flat so you will not be without a home in between. Later in our podcast, we pose the scenario: If you had bought your HDB flat for $500,000 15 years ago, and sell it for $520,000 now, does it mean you automatically have a $20,000 cash profit? Do you like direct responses from buyers and sellers? Apps like Ohmyhome's has a pool of ready buyers and sellers who can suggest their own flat listings directly to the buyer who indicates interest in a flat in their area. Can you save on agent's commissions with Ohmyhome? You can download HDB's app too. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 34: Top 5 step-by-step tips for HDB flat buyers in today's market 11:24 mins Synopsis: In this podcast series, The Straits Times and The Business Times break down financial tips so you can get started after listening to this episode. Editor's note: Property information correct when published on Feb 11, 2019 We host sisters Rhonda (front row on right) and Race Wong (front row on left) - who are co-founders of Ohmyhome. Ohmyhome is an online one-stop shop aiming to make housing transactions in Singapore simple, faster and more affordable. They explain their top 5 step-by-step tips for HDB buyers in today's market. 1. Calculate what you can afford using calculators like those found on Ohmyhome's app on iTunes and Google Play store. 2. Consider home financing options for a HDB loan or bank loan 3. Apps like Ohmyhome walk you through the buying process step by step 4. What to take note of if you are a current HDB flat owner and want to sell it, to buy another 5. Why young couples should think long-term and consider bigger flat sizes You can download HDB's app too. Produced by: Ernest Luis and Christopher Lim Edited by: Adam Azlee Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 33: Tips on responsible credit card use and borrowing 10:34 mins Synopsis: In this podcast series, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. Ms Natalia Goh - head of credit cards and personal loans for Standard Chartered Bank Singapore - explains step by step, good habits to cultivate to manage your credit card use and borrowing, even if you are a seasoned credit card user. 1. How to borrow within your means2. How to understand the credit product you are taking up3. How to pay on time Write or list everything you spend daily and every month. Look at the benefits of various perks for cashback cards, reward points, air miles and so on. Terms and conditions are clearly listed on bank websites these days too. What is a strategy for those with rising outstanding credit card amounts? Find out later on in this podcast episode, about the difference between debit and credit cards. Produced by: Ernest Luis Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 32: Wine education for F&B trade professionals and enthusiasts 10:50 minsSynopsis: In this podcast series, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.In an advanced economy like Singapore's, food and beverage employees who have certification after undergoing wine education courses, or who certify themselves after years in the industry, can raise their own professional values. Can Skills Future offset the costs of such courses like the French Wine Scholar and Certified Specialist Of Wine programmes?  Veteran wine educator and international wine judge Lim Hwee Peng explains how enthusiasts who have business dealings here and in growing markets like China will find wine education beneficial. Produced by: Ernest Luis and Christopher Lim Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 31: Using ST Wine to know more about wine investment and enjoyment 10:30 mins   Synopsis: In this podcast series, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.   Wine consultant Roderic Proniewski - who runs Asia Wine Network - speaks about investing in wine.   If you have little knowledge of wine, find out why ST Wine is a great way to dip one's toes in the worlds of both wine investment and enjoyment.   Produced by: Ernest Luis and Christopher Lim   Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 30: How to get started in robo-investing   9:11 mins   Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.   In August 2018, WeInvest announced a collaboration with OCBC Bank to launch OCBC RoboInvest, where you need a minimum of $3,500 to get started.   Mr Bhaskar Prabhakara - chief and co-founder of Singapore-based start-up WeInvest - explains how newbies and experienced investors can use robo-investing platforms.   Find out which thematic portfolios you can consider for your own risk appetites, and his own favourite choices that include food-based companies or upcoming US technology leaders.   Heard of the Singapore portfolio for conservative investors called Cash Is King in OCBC's RoboInvest scheme? Find out more in this episode.   Produced by: Ernest Luis   Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   On website: http://str.sg/stpodcasts   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

9:30 minsSynopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.Is buying just one bundled policy for the rest of your life enough? Mr Walter de Oude, founder and chief executive of Singapore Life - a next generation life insurance company licensed by the Monetary Authority of Singapore - explains four simple steps to take after listening to this episode. He explains the difference between life insurance and term life insurance and how you can consider a modular buying approach with an increasing trend towards term insurance for example, with specific plans and purposes.Step 1: Decide your needs. Lump savings plan and insurance together? Or keep them separate? It's best these days to build as you go along as newer, better and more flexible products come to the market.Step 2: Do a comparison across the market, especially for products like term insurance.Step 3: Make the commitment to buy your insurance after you do your homework.Step 4: Look at the building blocks of your long-term insurance needs. Ensure a shield plan first, critical event coverage and life insurance cover, and then, a disability income plan as the final step.Produced by: Ernest Luis & Christopher LimFeedback to: [email protected], subscribe and rate our Money Hacks podcast on:Spotify: http://str.sg/oeGNiTunes: http://str.sg/oeXeGoogle podcasts: http://str.sg/oeGdOn website: http://str.sg/stpodcasts Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 28: How to make your credit card work harder for you 7:35 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. Ms Natalia Goh - head of credit cards and personal loans for Standard Chartered Bank Singapore - explains why practical Singaporeans love cashback cards like Standard Chartered's Unlimited Cashback Card. It offers 1.5 per cent cashback on spending with no cap, and is among the best in the market, as The Straits Times had previously reported. To make your credit card work harder, keep three pointers in mind: 1. Know your lifestyle needs and spending habits 2. Read and compare terms, conditions and benefits of credit cards online first, before applying 3. Look out for seasonal promotions, ahead of the approaching Christmas period for example She gives us tips on how to look for different credit cards for different needs - ranging from petrol to dining, and online shopping. Produced by: Ernest Luis Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd On website: http://str.sg/stpodcasts Feedback to: [email protected] Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 27: How technology helps you understand insurance policies and buy with confidence 9:30 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. Can a 100% digital approach help you plan your insurance or children's education or retirement needs, more simply and transparently? Traditionally, companies might ask if you need insurance or other products, in simple yes or no terms. These days, a more holistic approach is being sought out by customers with the following questions for instance. What does your life look like? Are you a working professional? Are you planning a family? Do you have a family? Do you have ageing parents? Looking at what products match your personal goals is what Singapore Life aims to do. It is the first independent life insurance company licensed by the Monetary Authority of Singapore since 1987, with policies protected by the Policy Owners' Protection Scheme. Singapore Life's founder and chief executive Walter de Oude and its chief technology officer Robert Ross, explain more in this podcast episode. Produced by: Ernest Luis & Christopher Lim Feedback to: [email protected] Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN iTunes: http://str.sg/oeXe Google podcasts: http://str.sg/oeGd Download ST & BT podcasts for offline listening: http://str.sg/stbtpodcasts On website: http://str.sg/stpodcasts Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 26: How to achieve a $3,000-a-month retirement income by planning early 9:30 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. Retirement planning can be made simpler if we start to apply simple and established formulas to calculate what we need at the age of 65, assuming a continued lifespan of 20 years or so after that age. Mr Walter de Oude, founder and chief executive of SingaporeLife - a next generation life insurance company licensed by the Monetary Authority of Singapore - explains two simple steps to take after listening to this episode. Step 1: Start by looking at existing CPF calculators online, and read up on the CPF Life scheme for a start. With the current CPF payout eligibiity age at 65, the CPF Life scheme - introduced in 2009 - provides a monthly income for as long as you live. Step 2: How to add other formulas like the 4% rule to do a set of mental calculations, or even the "300" formula, where you take your current monthly expense figure and multiply it by 300. The result is the figure you need in your kitty to keep up your lifestyle even after retirement. Produced by: Ernest Luis & Christopher Lim Feedback to: [email protected] Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 25 - Are you a good saver? Is it worth enjoying higher interest rates with OCBC 360 and UOB One following latest tweaks? 9:10 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. Local banks are introducing higher bonus interest rates to get customers to save more. From Nov 1, 2018, OCBC customers can earn an effective interest rate of up to 3.2 per cent per annum on the first $70,000 in their savings account known as the 360 account, when they fulfil some criteria. The move comes after United Overseas Bank (UOB) in August raised the balance amount for which customers can earn maximum bonus interest. Customers who have a UOB One account can receive an effective interest rate of up to 2.44 per cent per annum in bonus interest on their first $75,000 when they spend $500 on their credit card and credit their monthly salary of at least $2,000 or have three Giro debit transactions. DBS Bank has a Multiplier account which can earn customers up to 3.5 per cent per annum in interest on the first $50,000, as long as the salary is credited into the account with two or more separate transactions with the bank. The transactions can include credit card spending, investments and mortgages. Produced by: Ernest Luis & Christopher Lim Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks Ep 24 - 5-step approach to wine collection, investment and enjoyment with local food   12:45 mins   Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.   This episode is Part 2, following the previous Money Hacks topic aimed at wine collecting and investment.    We present five steps to take after this episode: How to fit a wine fridge into a small space in your small apartment, key accessories you need, and how to start with a $13 budget.   Pairing with local food? Try chardonnay with mee pok and merlot with prata or briyani.   Produced by: Ernest Luis & Christopher Lim   Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. See omnystudio.com/listener for privacy information.

10 mins   Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.   This episode is aimed at wine collecting and investment. How to pick wines on sale, go for tasting events at supermarkets, and "gamify" wine investment for some releases by checking prices online over a period of time.   Which are the "off vintages" you should go for, as they cost less up front than premium vintages, and also appreciate at a rapid rate   Did you know you can study and appreciate wine through courses? Money Hacks co-host Chris Lim also happens to be a Certified Specialist of Wine (CSW) and a French Wine Scholar (FWS). He talks to co-host Ernest Luis on how to get started.   Produced by: Ernest Luis & Christopher Lim     Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. See omnystudio.com/listener for privacy information.

Money Hacks Ep 22 - How SMEs can use cryptocurrencies to raise capital   7:33 mins   Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.   This episode is aimed at the crypto newbie who is looking to trade for a start, and in a smarter way too. What are 3 good industries to start investing in these days?   The United States, Switzerland and Singapore are currently ranked in the top 3 of key global ICO (initial coin offerings) hubs, in a recent June report by accounting giant PwC’s strategy and consulting division. Small-and-medium enterprises (SMEs) can also raise capital with investors from across the world, instead of always looking inwards, as Mr Davy Goh - chief executive and founder of home-grown cryptocurrency exchange BCoin - tells us.   For example, he explains how Uncle Ringo's famed travelling funfair company in Singapore is now thinking of using of tokenising to expand the business here and across the globe.   Produced by: Ernest Luis & Christopher Lim     Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. See omnystudio.com/listener for privacy information.

Money Hacks Ep 21: How to network with crypto friends and an exchange community   7:33 mins   Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene.   This episode is aimed at the crypto newbie who is looking to trade for a start, and in a smarter way too, by joining a cryptocurrency exchange and the community around it through regular conferences and seminars.   The chief executive and founder of homegrown cryptocurrency exchange BCoin - Davy Goh - tells us why we would need to use an exchange, and why it's not advisable to stay holed up alone at home online, and try to start in cryptocurrency investing and trading.   Are your trading funds safe in BCoin's trading app? How is security ensured?   Produced by: Ernest Luis & Christopher Lim     Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. See omnystudio.com/listener for privacy information.

Money Hacks Episode 20 Duration: 9:41 mins Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial and investment scene. How can digital marketplaces set up by banks help you save, and calculate various scenarios without the hassle of setting up numerous meetings or visiting branches? Can your personal information be safeguarded? DBS Bank launched an online property marketplace in July 2018, that aggregates close to 100,000 listings from EdgeProp and Averspace and is intended as a one-stop shop where home buyers can browse listings and link up with utilities providers, as well as renovation, cleaning and moving services. Ms P’ing Lim, DBS head of deposits & secured loans, and Ms Tok Geok Peng, DBS head of secured lending, talk us through and also allay concerns about maintaining your financial privacy. Produced by: Ernest Luis & Christopher Lim Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.See omnystudio.com/listener for privacy information.

Money Hacks   Episode 19   Duration: 8:58 mins    Synopsis: In this new podcast series for 2018, The Straits Times and The Business Times offer tips for the newcomer to the financial investment scene.   How much insurance coverage should you have and plan for? Are there principles working mothers or parents should bear in mind when it comes to financial planning, or if their income streams are affected by medical setbacks?   How important is disability income for young and new parents?   Mr Kelvin Goh, head of investments and wealth advisory, OCBC Bank, gives us good starter tips.   Produced by: Ernest Luis & Christopher Lim     Like, subscribe and rate our Money Hacks podcast on:   Spotify: http://str.sg/oeGN   iTunes: http://str.sg/oeXe   Google podcasts: http://str.sg/oeGd   Feedback to: [email protected]   Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser. See omnystudio.com/listener for privacy information.