ryanong

Articles by Ryan Ong

I was a freelance writer for over a decade, and covered topics from music to super-contagious foot diseases. I took this job because I believe financial news should be accessible and fun to read. Also, because the assignments don't involve shouting teenagers and debilitating plagues.

singapore pools odds of winning 4d toto big sweep
Budgeting
“Investing” in Singapore Lottery? The Math Behind Toto and 4D in Singapore
$13.12 million. That’s how much one lucky punter walked away with in May 2024—the largest prize money won from a single ticket in the history of Singapore lottery. *low whistle*...
23 July 2024
pawn-shop-singapore
Personal Loans
7 Things Singaporeans Should Know About Pawn Shops
Back in the ’80s, middle-class Singaporeans associated pawn shops with poverty. If you were seen walking into one, your acquaintances would never let you live it down; they immediately assumed...
28 June 2024
Five Pro Tips To Consider When Taking Out A Personal Loan In Singapore
Personal Loans
Five Pro Tips To Consider When Taking Out A Personal Loan In Singapore
Let’s get personal. As taking personal loans from banks becoming an increasingly common practice in Singapore, talks on improving credit score and scouting for banks with the best interest rates...
15 December 2022
late credit card payments singapore
Credit Cards
5 Ways to Deal With Late Payment Fees on Your Credit Card
Credit cards are useful for getting cash back rebates and free air miles for your expenditure. They’re also needed for paying cashlessly in this day and age. But beware of...
30 November 2018
bankruptcy singapore
Budgeting
Bankruptcy in Singapore – What are the Consequences?
As of September 2018, there are almost 17,000 undischarged bankrupts in Singapore. The good news is that the number of bankruptcy cases has dropped by more than 20 percent since...
13 November 2018
cashback credit cards singapore
Credit Cards
5 Tips To Maximize Your Cashback Card Benefits
So you’ve heard cashback cards offer the best savings, and you want to switch. Or maybe you already have a cashback card, and you’re wondering why the only thing you’re...
11 August 2017
best credit cards students singapore
Credit Cards
3 Best Credit Cards for Students In Singapore
In my day, students had allowances of $8. And those were the rich kids. Our mobile phones was two soup cans connected by string. When we broke bones, we set...
20 January 2015
5 Things Degree Holders Need To Do To Survive in Singapore’s Job Economy
Career
5 Things Degree Holders Need To Do To Survive in Singapore’s Job Economy
Congratulations on graduating! You’re now one a few hundred thousand graduates in the job market, many of whom will quickly realise that securing a job isn’t as easy as it may seem....
3 January 2015
best way to spend 1000 in your 20s
Invest
The Best Way to Spend $1,000 in Your 20’s
You’ve probably seen this kind of article before. The best way to invest $1,000 is to put it in your CPF, drop it in a fixed deposit, blah blah blah....
2 October 2014
good reasons to incur debt
Budgeting
4 Good Reasons For Incurring Debt
When I was growing up, I was taught that debt is a bad thing. That it’s up there with procrastination, swear words, and AIDs. I didn’t even touch a credit...
15 September 2014
investing, stock market
Invest
5 Things You Learn from Losing $5,000 in the Stock Market
Sometime in my mid – 20’s, I got tired of living on corn flakes and ketchup packets. So using what time and money I had, I read up on finance...
27 August 2014
4 Ways to Get Your HDB Flat “Confiscated”
Property
4 Ways to Get Your HDB Flat “Confiscated”
I’m amazed people try anything illegal in their HDB flats. I mean, it’s not exactly spacious:  a few inches of wall separates us from the most intimate details of our...
3 July 2014
5 Better Things You Should Be Doing With Your NS Pay (Rather Than Getting Drunk)
Invest
5 Better Things You Should Be Doing With Your NS Pay (Rather Than Getting Drunk)
National Service is a pain in the keister, we get that. But here’s the kicker: while you’re busy defending the country from invaders more imaginary than your CPF money, you’re...
23 May 2014
The Three Types of Life Insurance Every Singaporean Should Understand
Life Insurance
The Three Types of Life Insurance Every Singaporean Should Understand
Last week my insurance agent sent me the most intense word game ever. It kept me occupied for three hours; then I realised it was the terms and conditions. Let’s...
2 September 2013
The Beginner’s Guide to Investment Products (Part 3: REITs & CPF Investments)
Invest
The Beginner’s Guide to Investment Products (Part 3: REITs & CPF Investments)
In our previous article, we delved into the world of Unit Funds and ETFs. In the final part of our 3-part guide to investment products, we look at REITs, which...
29 July 2013
The Beginner’s Guide to Investment Products (Part 2: Unit Funds and ETFs)
Invest
The Beginner’s Guide to Investment Products (Part 2: Unit Funds and ETFs)
In the first part of our beginner’s guide, we explored the two fundamental investment products everyone should know about: Bonds and Shares. Now that we know the basics, let’s move...
15 July 2013
The Beginner’s Guide to Investment Products (Part 1: Bonds and Shares)
Invest
The Beginner’s Guide to Investment Products (Part 1: Bonds and Shares)
Finance experts have a lot of special talents. Key among these are re-inventing words, and using them in a way that approximately zero English speakers will understand. You might be...
10 July 2013
The Expat’s Guide to Singapore’s Internet Service Providers
Budgeting
The Expat’s Guide to Singapore’s Internet Service Providers
Singapore has a wide range of Internet Service Providers. Assuming your definition of “wide” is “barely not a monopoly”. The scene is dominated by three big companies (M1, Starhub, Singtel),...
29 November 2012