claralim

Articles by Clara Lim

I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.

Best Credit Card Promotions (July 2021): Apple AirPods Pros, Sony Earbuds & Samsung Tablets
Credit Cards
Best Credit Card Promotions (July 2021): Apple AirPods Pros, Sony Earbuds & Samsung Tablets
I have to admit, I absolutely love credit card promotions. These days, banks offering the best credit cards in Singapore compete so hard for new customers that they practically rain Apple AirPods...
3 days ago
unit trust singapore investment
Invest
Unit Trusts in Singapore – Things to Know Before You Invest
Most common investments in Singapore, (like stocks, bonds, and property) are not difficult to understand once you get past the jargon. When it comes to complex products like a unit...
27 July 2021
5 Best Cashback Cards in Singapore for Recurring Bill Payments (2021)
Credit Cards
5 Best Cashback Cards in Singapore for Recurring Bill Payments (2021)
Eat, sleep, work, pay bills, repeat — that’s pretty much life in Singapore. But did you know you can pay many telco, medical and utilities bills by credit card and earn...
15 July 2021
private annuity singapore
Invest
Retirement Annuity Plans in Singapore: What Are They & How to Choose One
Ask many Singaporeans about how they plan to fund their retirement, and you’ll probably get a couple of stock answers: “CPF” and/or “my kids”.  But that’s not you, right? As...
9 July 2021
University Degrees in Singapore 2019
Education
NUS, NTU, SMU & Other Singapore University Degrees – How Much Do They Cost in 2021?
We Singaporeans are a privileged bunch. For tertiary education, most of us focus on getting into our school of choice — be it NUS, NTU, SMU or any other university — and...
6 July 2021
Singapore Savings Bond Review
Invest
Singapore Savings Bond (SSB) Review — Interest Rates & Buying Guide
Ever since the Government launched Singapore Savings Bonds (commonly abbreviated as SSB) in 2015, it has gone from being a super-conservative investment with low returns, to an actually decent investment vehicle...
6 July 2021
retirement planning singapore 2018
Budgeting
Retirement Planning in Singapore: A Starter Guide for Confused Millennials
When you think “retirement”, do you imagine travelling the world, cruising on your own yacht, and being surrounded by Playboy bunnies/boy toys? Sorry, but retirement in Singapore isn’t quite as...
17 June 2021
CarIns_101_masthead
Car Insurance
Car Insurance in Singapore: All You Need to Know to Get the Cheapest Rate (2021)
“Woo hoo! It’s time to renew my car insurance, I’m so excited,” said no one ever. Yes, we may love our cars — but the main reason we buy car...
14 June 2021
food delivery rider
Career
Food Delivery Riders: How Much Can You Earn as a Deliveroo, Foodpanda or Grabfood Rider?
With low barriers to entry and plenty of flexibility, it’s no surprise that being a food delivery rider for Deliveroo, Foodpanda or GrabFood is an attractive proposition as a side gig...
24 May 2021
investing in shares and sgx stocks singapore
Invest
Investing in Shares (2021) – MoneySmart Guide to Buying SGX Stocks
These days, owning Apple stock is as much a status symbol as owning an Apple watch. (Well, they’re both expensive…) But apart from making you more attractive, stocks and shares...
21 May 2021
FWD Car Insurance Review
Car Insurance
FWD Car Insurance Singapore Review 2021
Known for its Lifetime 50% No Claims Discount (NCD) guarantee, FWD has grown to become one of the most digital-forward car insurers around. If you’re the less-traditional type who prefers...
17 May 2021
NTUC Car Insurance Review
Car Insurance
NTUC Income Car Insurance Singapore Review 2021
NTUC Income is a brand that needs no introduction in Singapore. Naturally, it has the lion’s share of the car insurance market, especially among local drivers.  So NTUC car insurance...
17 May 2021
Direct Asia Car Insurance Review
Car Insurance
DirectAsia Car Insurance Singapore Review 2021
DirectAsia is among the younger entrants  in Singapore’s car insurance scene. While it is not a household name like NTUC or AXA, it has been gaining market share because of...
17 May 2021
Aviva Car Insurance Review
Car Insurance
Aviva Car Insurance Singapore Review 2021
Singaporean men might remember the insurer Aviva from their NS days as it provides insurance coverage during National Service. But did you know there’s also Aviva car insurance? Apart from...
4 May 2021
How to Pick the Best Home Loan for Your Property in Singapore
Home Loans
How to Pick the Best Home Loan for Your Property in Singapore
Have you got your eye on a new home and are already looking for the best home loan in Singapore? Are you comparing the interest rates on the market, ready...
27 April 2021
EZ-Link Card Singapore Guide: 7 Nifty Features You Probably Didn’t Know About
Transportation
EZ-Link Card Singapore Guide: 7 Nifty Features You Probably Didn’t Know About
EZ-Link is just like GST. We don’t know how it works exactly, but it’s always there, slowly but surely chipping away our hard-earned money in small, painless increments. It’s time...
15 April 2021
National steps challenge
Fitness & Beauty
National Steps Challenge Season 5 (Bonus Round) – Guide to Registration, Steps Tracker Collection & Rewards
Haven’t you heard? The National Steps Challenge Season 5 has just launched a bonus round from 29 Mar 2021 to 18 Jul 2021. Now heartland uncles and aunties will have something...
30 March 2021
What were you doing this time of the year, last year? Screaming at the kids at Tokyo Disneyland? Relaxing at the beach in Bali? Or... snapping up 2018’s Astrea IV bonds like there was no tomorrow? (Which there was.) If you answered the latter, you probably don’t need to read this article because you very likely have already bought yourself some Astrea V Bonds when they went on sale at 9am today. It’s the highly anticipated follow-up to the breakthrough Astrea IV, and features much of the original’s merits. For those of you reading this with a blank look on your face, here’s a primer to get you up to speed on the new Astrea V Bonds from Temasek Holdings’ subsidiary, Azalea Asset Management.
Invest
Astrea VI Bond — What You Should Know About this Private Equity Bond
Not unlike a Marvel Cinematic Universe franchise, Astrea bonds are a near-annual affair and almost guaranteed to be a hit among investors in Singapore. In 2018, Singaporeans snapped up Astrea IV bonds like...
15 March 2021
hdb sales of balance flat
Property
HDB Sale of Balance Flats 2021: Guide to SBF & Open Booking
Although the SOP for buying an HDB BTO flat has been well-documented, buying a flat via HDB’s Sale of Balance Flats (HDB SBF) or the new open booking systemis a little...
26 February 2021
apple watch singapore price
Shopping
Apple Watch Singapore Price Guide — SE vs Series 6 vs Series 3
Checking your blood oxygen level and even notifying if you have an irregular heart rate — is there anything the Apple Watch Series 6 can’t do? But at $600 to...
19 February 2021
CheapGyms_update_masthead
Fitness & Beauty
Cheap Gyms in Singapore 2021 — 9 Gym Memberships Under $100/Month
These days, spending upwards of $200/month on fancy gyms like Fitness First and Virgin Active are the norm. But after a certain point, you’ll realise you’re actually paying more for the...
11 February 2021
cheap bicycle shop singapore
Fitness & Beauty
5 Best Bicycle Shops in Singapore for Cheap Bikes Under $700
Maybe you’re looking for a cheap bicycle for your commute. Or maybe you’re trying to get in shape without having to pay $250 a month for a gym membership.  Whatever...
8 February 2021
stashaway review
Invest
Stashaway Review — Is This Popular Robo Advisor Good for Beginner Investors?
You might have heard of a little robo advisor called Stashaway. OK, it’s not so little — this startup has been around since 2016 and has dominated the robo advisor...
27 January 2021
How to Decide which Investment Brokerage in Singapore is Best for You
Invest
Which Investment Brokerage in Singapore is Best? Here’s How to Decide
You’ve read up enough about how to start investing. You’ve triple-checked your emergency fund. You’re finally ready to rake it in on the stock market! Now what? The next step...
22 January 2021
cpf life payout plan minimum sum
Budgeting
CPF LIFE: The Complete Guide to Payouts, Plans & Minimum Sums in 2021
If you’re in your 30s like I am, retiring in Singapore is the stuff of nightmares. By the time our retirement rolls around, the old folks selling cheap hawker food...
19 January 2021