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.

ESG (Environmental, Social & Governance) Investing in Singapore: How Retail Investors Can Start Investing Sustainably
Invest
ESG (Environmental, Social & Governance) Investing in Singapore: How Retail Investors Can Start Investing Sustainably
Seemingly overnight, Singaporeans have started to care about the environment. This could be because we’ll be one of the first places in the world to become unliveable when temperatures soar....
8 hours ago
wedding ang bao singapore 2018
Wedding
Wedding Ang Bao Rates in Singapore 2022 – How Much Should You Give?
Wedding dinners in Singapore can sometimes be a mercenary affair. Even if you never spend more than $5 on meals and always make a beeline for the cai png stall,...
1 day ago
gemini crypto exchange singapore
Invest
Exploring Other Crypto Exchange Platforms? Gemini at a Glance
This post was written in collaboration with Gemini. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same objective...
American Express Platinum Credit Card
Credit Cards
American Express Platinum Card – MoneySmart Review 2022
Some cards are meant to be used on unsexy but necessary things like grocery shopping and MRT rides, while others are for the finer things in life. The American Express...
2 days ago
best balance transfer singapore rates singapore
Credit Cards
Balance Transfers in Singapore: How They Work & the Best Rates in 2022
We do not wish ill fortune on any of our readers, but should you ever find someday that you’re having difficulty repaying your credit card bills and that your accumulated...
2 days ago
What is SGFindex, and Should You Bother Setting It Up?
Budgeting
What is SGFindex, and Should You Bother Setting It Up?
The glory days of high interest savings accounts are over, and we’re left weeping over the ravages of our rapidly-depreciating cash savings. The good news is that the DBS Multiplier...
5 days ago
Could Singapore Investors Be Affected By China Evergrande’s Debt Crisis?
Invest
Could Singapore Investors Be Affected By China Evergrande’s Debt Crisis?
Made in China jokes aside, people who trade Chinese stocks know that you have to stay on your toes at all times. Sure, they can offer explosive growth potential, but...
5 days ago
5 Best Travel Insurance Plans in Singapore with Covid-19 Coverage (2022)
Travel Insurance
5 Best Travel Insurance Plans in Singapore with Covid-19 Coverage (2022)
As travel becomes possible again (woohoo!), travel insurance is now once again something that is relevant in our lives. Remember the good old days when lost luggage was your biggest...
20 October 2021
Credit Card Annual Fees: How Much They Cost & How to Get Annual Fee Waivers
Credit Cards
Credit Card Annual Fees: How Much They Cost & How to Get Annual Fee Waivers
If you’re using credit cards the right way, you should be getting more money out of the bank than they’ll ever get from you. That means paying all your bills in...
20 October 2021
OCBC Frank Card review
Credit Cards
OCBC Frank Credit Card – MoneySmart Review 2022
The OCBC Frank credit card’s website copy says it will help you “navigate adulthood”. That alone tells you who this card is targeted at. Move aside aunties and uncles! (Just...
20 October 2021
credit card overseas spending fees
Credit Cards
5 Ways to Minimise Your Credit Card Overseas Spending Fees
Using your credit card when you’re on holiday sure beats hiding wads of cash in your socks and underwear to deter thieves. It also saves you from having to make...
19 October 2021
Supplementary Retirement Scheme (SRS) account singapore
Budgeting
Guide to Supplementary Retirement Scheme + SRS Account Promotions 2022
I’ve been dreaming about retirement since the day I started working. So the Supplementary Retirement Scheme (SRS), as dry as it sounds, is more interesting to me than a Uniqlo...
19 October 2021
DBS Multiplier Account - new changes October 2021 - achieve financial goals quicker
Savings Accounts
4 Ways Multiplier Account Rewards You As You Work Towards Your Financial Goals
This post was written in collaboration with DBS. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same objective...
crypto card Singapore - crypto com card - best crypto card
Invest
Crypto Owners, Here’s How to Make Your Coins Work Harder for You
This post was written in collaboration with Crypto.com. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same objective lens....
Tiger Brokers Singapore - Tiger Trade App - Futures trading
Invest
So You Want to Start Trading Futures: What is it & What Do You Need to Know?
This post was written in collaboration with Tiger Brokers Singapore. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same...
Standard Chartered Rewards+ Card – MoneySmart Review 2022
Credit Cards
Standard Chartered Rewards+ Card – MoneySmart Review 2022
The Standard Chartered Rewards+ Card’s main draw is that it offers up to 10X rewards points… for overseas retail, overseas dining and travel spending. Gee, thanks! What an unwelcome reminder of...
7 October 2021
singapore gst hike
Budgeting
Budget 2021: GST Hikes & Extensions Singaporeans Should Prepare For
Last year’s Budget was all about supporting Singaporeans through the challenges of the pandemic, the recession and an economy that was already tepid before the virus outbreak. But all that...
5 October 2021
DBS Woman’s Card & Woman’s World Card – MoneySmart Review 2022
Credit Cards
DBS Woman’s Card & Woman’s World Card – MoneySmart Review 2022
The branding of DBS Woman’s and Woman’s World Card might have seemed progressive a few decades ago when women were rarely seen outside of the kitchen. These days, the card’s...
5 October 2021
CIMB World Mastercard – MoneySmart Review 2022
Credit Cards
CIMB World Mastercard – MoneySmart Review 2022
Cashback credit cards are some of the most worthwhile cards to sign up for because they’re essentially giving you free money. Seeing as even McDonald’s charges for sauce these days,...
1 October 2021
What is the HDB Income Ceiling for BTO, EC & Resale Flats?
Property
What is the HDB Income Ceiling for BTO, EC & Resale Flats?
When it comes to buying an HDB flat, Singaporeans are stuck between the devil and the deep blue sea. A delicate balance has to be struck between 2 extremes: Work...
29 September 2021
American Express True Cashback Card
Credit Cards
American Express True Cashback Card – MoneySmart Review 2022
The Amex True Cashback Card is a super low-effort gives you 1.5% cashback on virtually anything you spend on, and there is no limit to how much cashback you can...
28 September 2021
CapitaLand Restructuring: Should You Buy CapitaLand Investment (9CI)?
Invest
CapitaLand Restructuring: Should You Buy CapitaLand Investment (9CI)?
Once upon a time, real estate giant CapitaLand was regarded as one of the most foolproof companies to invest in in Singapore. But then, Covid-19 happened. Hands up how many of...
28 September 2021
The MoneySmart Guide to Retirement Part 4: Preserving Your Wealth
Budgeting
The MoneySmart Guide to Retirement Part 4: Preserving Your Wealth
Longevity is a big deal in many Asian cultures. In China, everything from bamboo to overly-long noodles can be a symbol of longevity. But in Singapore, one of longest-lived countries in...
27 September 2021
The MoneySmart Guide to Retirement Part 3: Growing Your Wealth
Budgeting
The MoneySmart Guide to Retirement Part 3: Growing Your Wealth
Money means different things to different people. For some, it’s a new handbag, a bespoke cocktails and ski holidays in Hokkaido. Call us lazy, but to many of us here at...
20 September 2021
What is DeFi? A Singaporean’s Guide to Decentralized Finance
Invest
What is DeFi? A Singaporean’s Guide to Decentralized Finance
One of the crypto buzzwords of 2021 is “DeFi”. Sounds like an underground resistance movement, but it’s actually short for decentralized finance, i.e. an alternative version of the traditional financial system....
15 September 2021