peterlin

Articles by Peter Lin

I am the poster boy for reinventing one's self. I've been a broadcast journalist, technical writer, banking customer service officer and a Catholic friar. My life experiences have made me the most cynical idealist you'll ever meet, which is why I'm also the co-founder of a local pop culture website. I believe ignorance is not bliss, and that money is the root of all evil only if you allow it to be.

dbs home loan fhr singapore fixed deposit home rate
Home Loans
DBS FHR Home Loan – The Fixed Deposit Home Rate and Why It’s So Different From Other Home Loans
When I think “groundbreaking”, I think of Marvel and the first Guardians of the Galaxy movie, which starred a talking raccoon and a walking tree and still managed to pocket...
18 October 2022
applying for hdb loan singapore guide
Home Loans
HDB Loan Eligibility, Interest Rates & Downpayment (2022) – A Beginner’s Guide
Editor’s Note: HDB’s May BTO 2022 opened for applications from 27 May to 2 June 2022. If you’re buying an HDB flat in Singapore, you often have the option of taking...
4 October 2022
skydiving travel insurance for adventurers
Travel Insurance
Best Travel Insurance for Extreme Sports and Outdoor Adventure Coverage (2022)
We all know friends who are adrenaline junkies. Those who get kicks out of taking crazy risks and going on wild adventures all around the world. Heck, maybe you’re thinking:...
25 July 2022
What To Do If You Get Robbed – Or Got Your Car Stolen – In Malaysia?
Travel Insurance
What To Do If You Get Robbed – Or Got Your Car Stolen – In Malaysia?
Singaporeans love to travel to Malaysia for many reasons – for work, the cheap petrol, the amazing food, soak in the culture, Shi-B Cafe, extremely picturesque cafes, or just take...
19 July 2022
annual travel insurance singapore moneysmart
Travel Insurance
Annual Travel Insurance Plan Singapore – Why Buy It & When Is It Cheaper?
Buying annual travel insurance can help you save a lot of money. But exactly how much? Singapore is a nation of experienced travellers. Before Covid-19 turned the world upside down,...
18 May 2022
effective interest rate eir singapore
Personal Loans
Effective Interest Rate (EIR) – What Does It Mean & How Do You Calculate It?
Everybody knows what an interest rate is – it’s effectively a percentage of an amount over a year. If your savings account earns you a 0.05% interest per year (which...
9 May 2022
personal loan singapore
Personal Loans
5 Common Reasons Why Singaporeans Take Personal Loans
Taking a personal loan from a bank in Singapore is a relatively common practice and has been for some time now. For some, its like a “Get out of jail...
7 April 2022
personal loans singapore
Personal Loans
3 Situations a Personal Loan Could Save You From Further Debt
Unless you need money to urgently purchase a bazooka, before your home gets overrun by a gang of marauding zombies, do NOT take up a personal loan. Yes, you heard us right, don’t...
7 April 2022
personal loans singapore
Personal Loans
Can I Take A Personal Loan? 7 Most Common Questions Answered
Take a moment to find out what personal loans are, and learn what to do if and when you need them. A personal loan is an unsecured loan that you...
6 April 2022
cpf basic retirement sum
Budgeting
Here’s Why the Basic Retirement Sum Isn’t Something Singaporeans Should Be Worrying About
Depending on who you believe, you may think our CPF savings are like Russia. You know it’s there, I know it’s there. But very few Singaporeans have actually travelled there...
28 February 2022
valentine's day dinner singapore
High Life
5 High End Restaurants in Singapore with Good Valentine’s Day Deals
I have a bad habit of thinking out loud. I would constantly say random things like, “You’re not old enough for me to give up my seat“, “That outfit is...
9 February 2022
CPF Investment Scheme (CPFIS) – Everything You Need to Know About Investing with CPF
Invest
CPF Investment Scheme (CPFIS) – Everything You Need to Know About Investing with CPF
One of the biggest complaints that Singaporeans have about their CPF savings is that we never actually see the money we’ve saved. Then there’s the other complaint — that the...
3 February 2022
refinancing home loan singapore
Home Loans
How to Refinance Your Home Loan in Singapore & Save Money on Your Mortgage
If your home loan is currently charging you more than 2.4% interest, you might be paying more than you need to, and should definitely consider refinancing. Refinancing your home loan...
26 March 2021
hps home protection scheme
Mortgage Insurance
Home Protection Scheme (HPS) for HDB Owners: What Does It Cover?
Besides their love for acronyms, the government also has a soft spot for schemes. And if you’re an HDB flat owner, the Home Protection Scheme (HPS) is one of the...
11 March 2021
debt consolidation plan
Personal Loans
Debt Consolidation Plans in Singapore – What Are They & How Do They Work?
In Singapore, we’re really helpful. When an accident happens on the road, we always slow down our vehicles to make sure that no one is seriously injured. In fact, so...
7 April 2020
sti etf singapore brokerage
Invest
The STI ETF Step-by-Step Guide – What Is It and How To Start Investing
When it comes to safeguarding your money from the effects of inflation, putting all your cash in a savings account isn’t the best idea. Money in the bank is like...
12 March 2020
renew coe renewal
Transportation
COE Renewal After 10 Years – Car Owners, Should You Even Bother?
Singapore is probably the only country in the world where cars are so expensive that owning a Toyota Altis can be considered a luxury. If that wasn’t bad enough, your...
27 February 2020
standard chartered home loan 2018 singapore
Home Loans
Standard Chartered Home Loan Singapore Review 2019 – Which Mortgage to Choose from Standard Chartered
So, you’ve found your dream home, saved up enough money for the downpayment and are already planning to invite your friends and family to your housewarming party. But before you...
8 October 2019
cheapest car insurance singapore
Car Insurance
13 Cheapest Car Insurance Plans in Singapore (UPDATED 2019)
Getting a car in Singapore is a bit like having a fancy dinner. No matter how much you’re mentally prepared to spend money, when you see prices on the menu...
23 September 2019
haze subsidy scheme for haze in singapore
Healthcare
What Subsidies Can You Get in Singapore For Haze-Related Illnesses?
The haze is like the paparazzi. When it comes, you’re likely to be seen walking around dressed in a surgical mask and huge sunglasses to hide from it. Although the...
10 September 2019
health insurance aging elderly
Health Insurance
Health Insurance for Elderly: Is It Too Late to Get Health Insurance for Your Ageing Parents?
You know you’re old when you remember styrofoam McDonalds containers, mobile phones as heavy as bricks, and the $1 Singapore note from your childhood. But what about your parents?
10 July 2019
petrol station singapore
Credit Cards
5 Ways Singaporeans Can Decide What the Best Petrol Credit Card Is
The other night my friend and I were at our neighbourhood Esso station and I offered to pay for her petrol bill with my DBS Esso Mastercard for the rewards...
31 May 2019
singapore hdb flats
Property
Singaporeans Buying Old, Trendy Hipster Flats, Are You Screwing Yourself?
Time can be a funny thing. Even here in Singapore, despite being a very young nation, time does gets to us. We were reminded in 2017 when Minister Lawrence Wong pointed...
24 May 2019
parking traffic fines singapore
Transportation
No Parking Here: 5 Parking Fines in Singapore You May Not Know About
In Singapore, parking fines really add up if you don’t take caution. You know how tourists in Singapore think it’s a big joke when they buy a T-shirt that says...
25 March 2019
Pioneer Generation Card Subsidies
Budgeting
If You Think the Pioneer Generation Card Only Benefits Your Parents, You’re Wrong
By now you would’ve known someone with the Pioneer Generation Card. It could be your grandfather, your aunt, your mother-in-law. Remember in 2014/2015 when music videos in various Chinese dialects...
28 February 2019