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.

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
rent singapore cost guide
Property
Rent In Singapore 2021 — Cost Guide To Renting A Room Or Home
With the wait for a BTO flat on an ever-increasing time, many newlyweds or couples might look towards renting in the meantime. Sure, renting might be an expensive sinkhole where your...
10 June 2021
friday finance personal loan
Personal Loans
Friday Finance Personal Loan: Should You Borrow from a Moneylender?
The word “moneylender” conjures up idyllic images of pigs’ heads stuck on doors and O$P$ spray painted in red in HDB corridors. But licensed moneylenders (i.e. legal ones, unlike your...
31 May 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
best personal loan singapore
Personal Loans
5 Best Personal Loans in Singapore with Lowest Interest Rates (2021)
If you’re in urgent need of money, but too paiseh to borrow from your family and friends, your best bet is probably a personal loan. With a personal loan, you borrow cash...
31 May 2021
Best 8 office chairs for work from home for all budgets
Shopping
9 Best Office Chairs in Singapore to Work From Home for All Budgets (2021)
It’s time for Phase 2 (Heightened Alert)! Even as Singapore transitions into a post-circuit breaker period, working from home continues to be the new normal for many, and it’s a...
27 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
CPF Basic, Full & Enhanced Retirement Sum: How Do They Affect You?
Budgeting
CPF Basic, Full & Enhanced Retirement Sum: How Do They Affect You?
Every salaried employee in Singapore makes CPF contributions each month, but the CPF system is understood by few. There are more fun things to do with those precious post-work hours...
25 May 2021
7 Best Air Miles Credit Cards in Singapore (2021)
Credit Cards
7 Best Air Miles Credit Cards in Singapore (2021)
Though not exactly practical for our virus-ridden times, air miles credit card are definitely the most glamorous of all the credit cards. Every time you use one you’re reinforcing your image...
24 May 2021
best-online-shopping-credit-cards
Credit Cards
7 Best Credit Cards for Online Shopping in Singapore (2021)
Remember the good old days before online shopping became the default way to buy stuff? Me neither. Memories of those hazy days have been filed away together with those of...
21 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
basic healthcare sum
Healthcare
MediSave Basic Healthcare Sum: 5 Things You Should Know About It
You might already have heard about the CPF Basic Retirement Sum. Not to put more pressure on you, but there’s ANOTHER “sum” in town that most of us didn’t know...
11 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
7 Best Rewards Credit Cards in Singapore (2021)
Credit Cards
7 Best Rewards Credit Cards in Singapore (2021)
If you love collecting points and redeeming them, then a rewards credit card will give you some added life satisfaction. These days, there’s a lot more in banks’ rewards catalogues...
5 May 2021
Maintenance of Parents Act: Can Parents Really Sue Their Children?
Family
Maintenance of Parents Act: Can Parents Really Sue Their Children?
Confucius would be so smug if he knew that filial piety, his favourite virtue, was enshrined in Singapore law. The Singapore government expects children to fund the retirement of their...
4 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
6 Best Savings Accounts in Singapore with No Minimum Balance
Savings Accounts
6 Best Savings Accounts in Singapore with No Minimum Balance
Banks like to put nasty conditions like high minimum balances and fall below fees on their accounts to force people to keep more money with them, and at the same...
29 April 2021
good debt bad debt interest rates
Budgeting
Good vs Bad Debt: How to Prioritise Which Loans to Pay in Singapore
Growing up, we were probably taught that debt is a bad thing, something to avoid at all costs. But the truth is more nuanced than that. We are “borrowing” every...
26 April 2021
How Much Savings Do You Need to Retire in Singapore?
Invest
How Much Savings Do You Need to Retire in Singapore?
I’ll start this article by saying there’s probably no correct answer as to the amount “the average person” needs to retire in Singapore. We are not all robots living identical...
20 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