joannepoh

Articles by Joanne Poh

In my previous life, I was a property lawyer who spent most of my time struggling to get out of bed or stuck in peak hour traffic. These days, as a freelance commercial writer, I work in bed, on the beach, in parks and at cafes, all while being really frugal. I like helping other people save money so they can stop living lives they don't like.

Citibank SMRT card Review
Credit Cards
Citibank SMRT Card – MoneySmart Review 2022
You might think that SMRT is the source of all your problems, but that doesn’t mean you should refuse to sign up for the Citibank SMRT Card out of spite....
21 July 2021
SIBOR, SORA and SOR Rates Explained — All You Need To Know And How They Affect Your Home Loans
Home Loans
SIBOR, SORA and SOR Rates Explained — How They Affect Your Home Loans
One of the biggest decisions you have to make when buying a home is… no, not what colour you want the walls to be, but what home loan to go...
13 July 2021
best critical illness insurance singapore
Health Insurance
Critical Illness Insurance in Singapore: The Complete Guide (2021)
Critical illness insurance is generally considered good to have in Singapore… if you can afford it. It is generally not considered as essential as hospitalisation insurance, which every adult should...
12 July 2021
Futu Moomoo Singapore Review (2021): Worth It For the Free Apple Share?
Invest
Futu Moomoo Singapore Review (2021): Worth It For the Free Apple Share?
Futu Moomoo might sound like the brandname of a new type of flavoured milk, but it’s actually an online investment brokerage. Even the lactose-intolerant can partake! Moomoo is a stock...
7 July 2021
Love Shopping in Singapore? 5 Best Credit Cards to Swipe (2021)
Credit Cards
Love Shopping in Singapore? 5 Best Credit Cards to Swipe (2021)
Are you always late for appointments because you “couldn’t help” but step into every shop along the way? Are your friends and family thoroughly sick of waiting outside changing rooms?...
23 June 2021
singapore property prices
Property
Investing in Property in Singapore: Singapore Property Tax & Buying Guide
For most ordinary Singaporeans who aren’t CEOs, ministers, investment bankers or heart surgeons, there are two main ways to get rich quick — win the lottery, or buy Singapore property...
22 June 2021
managing money and expenses a guide to budgeting income
Budgeting
Managing Money And Expenses – A Guide To Budgeting Income In Singapore
You go to work every day and earn an acceptable income. Yet, at the end of every month you start to get panic attacks when standing in line at the ATM...
18 June 2021
invest in stocks and bonds
Invest
How to Invest in Singapore: 5 Most Common Investing Methods & Tools
To new investors in Singapore, the stock market presents a bewildering range of options. There are dozens of systems and methods of investing, all with their pros and cons. So...
15 June 2021
Covid-19 Recovery Grant 2021: How to Apply for CRG and CRG-T
Budgeting
Covid-19 Recovery Grant 2021: How to Apply for CRG and CRG-T
Just as we thought we’d beat Covid-19, 2021 started smelling a lot like 2020. With new restrictions on gathering sizes and the outlawing of dining out, many businesses and workers...
11 June 2021
Corporate Tax in Singapore: Will the New Global Minimum Tax Rate Affect Us?
Business
Corporate Tax in Singapore: Will the New Global Minimum Tax Rate Affect Us?
Singapore is often considered a tax haven because of our low income tax and corporate tax rates. We even get mentioned on the Wikipedia page for “Tax haven”, yay! (However,...
11 June 2021
best credit card singapore
Credit Cards
7 Best Credit Cards in Singapore (2021) — MoneySmart Writers’ Favourites
Here at MoneySmart we’re always going on and on about credit cards, but which ones do we actually use ourselves? The problem is, it’s pretty damn hard to say which...
31 May 2021
Options Trading in Singapore: Is This Investment Method Suitable for You?
Invest
Options Trading in Singapore: Is This Investment Method Suitable for You?
Stocks not cutting it for you? Looking for an investment vehicle that can make you quicker cash than the boring ol’ STI ETF? Then you might be considering something called...
25 May 2021
Deliveroo vs PandaMart vs GrabMart vs Amazon Fresh — Which Grocery Delivery Service is Best?
Dining
Deliveroo vs PandaMart vs GrabMart vs Amazon Fresh — Which Grocery Delivery Service is Best?
As the pandemic rages on, we can now use Covid-19 as our justification for being too lazy to leave the house. Online grocery delivery services now eliminate even the need...
17 May 2021
How to Read & Understand Insurance Policy Documents
Health Insurance
How to Read & Understand Insurance Policy Documents
Here’s a life skill they really should teach in school: how to read and understand an insurance policy. After all, there’s no point in getting top exam scores and getting...
12 May 2021
HDB BTO Launch May 2021 Review: Telok Blangah, Geylang, Tengah & Woodlands
Property
HDB BTO Launch May 2021 Review: Telok Blangah, Geylang, Tengah & Woodlands
With Singapore’s Covid cases rising and the threat of a second Circuit Breaker looming, having a home of your own is looking more attractive than ever. To help you to...
11 May 2021
How Much Should You Spend on Insurance in Singapore?
Life Insurance
How Much Should You Spend on Insurance in Singapore?
In the days of plenty, we might have been willing to pay more just to enjoy the warm fuzzy feeling of being amply insured. But thanks to COVID-19, a lot...
4 May 2021
ARK Invest: How to Choose & Buy ARK ETFs in Singapore
Invest
ARK Invest: How to Choose & Buy ARK ETFs in Singapore
ARK ETFs (exchange traded funds) have been gaining lots of interest globally, especially since 2020 and going into 2021. Given the state of the global economy right now, any investment...
29 April 2021
How Does the Singapore Healthcare System Work Anyway?
Healthcare
How Does the Singapore Healthcare System Work Anyway?
In Singapore, we tend to have the attitude that healthcare is something to be sought only when you fall ill. We know about health insurance and MediSave, but that’s only...
14 April 2021
medisave limits
Health Insurance
MediSave Limits in 2021: When Can You Use MediSave to Pay?
Every month, a chunk of your salary disappears into the depths of your MediSave account. As much as it hurts to see what’s left of your “take-home pay”, you get...
14 April 2021
bazaar kita
Shopping
Geylang Bazaar Goes Online: 4 Highlights from This Ramadhan’s Bazaar Kita
The annual Geylang Serai bazaar is one of the most fun aspects of the Ramadan period in the lead up to Hari Raya Puasa. But alas, while the light-up will...
13 April 2021
electric car singapore
Transportation
Is It Finally Worth It to Buy an Electric Car in Singapore?
The Singapore government once dismissed electric cars as a lifestyle purchase. But now that climate change is something that Singapore has started to pay attention to, some baby steps have...
29 March 2021
singapore green plan 2030
Budgeting
Singapore Green Plan 2030: 7 Money-Saving Initiatives to Adopt Today
Singapore’s Green Plan 2030 is a “national sustainability movement” which aims to turn us into a more eco-friendly country over the next decade. It includes things like the planting of...
23 March 2021
road tax renewal singapore
Transportation
LTA Road Tax Renewal Guide 2021: How to Check & Pay Road Tax
There’s a bit of a learning curve for first-time vehicle owners, and I’m not just talking about learning how to avoid crazy drivers on the road. You also have to...
12 March 2021
Green Bonds in Singapore: 4 Things the Average Singaporean Should Know
Invest
Green Bonds in Singapore: 4 Things the Average Singaporean Should Know
One of the more novel aspects of Budget 2021 was the announcement of green bonds, an eco-friendly type of financial instrument. The green bonds aim not only to help the...
10 March 2021
insurance riders
Health Insurance
Insurance Riders in Singapore: Which Ones Do You Actually Need?
Just when you think you’ve compared insurance products thoroughly and found the absolute best one for your needs, you scroll down and realise that there are these things called “riders”...
9 March 2021