BT Money Hacks

With stigma still surrounding personal loans, is it ever a good idea to take out a loan? Did you know just applying for a loan will hurt your credit score and how can you tell if a loan offer is legitimate? Howie Lim gets insights from Bryan Chan of Providend and Nima Karimi from Lendela. 

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

00:52 Is taking a loan ever financially wise?

03:10 Challenges getting a loan

05:30 Steering clear of debt traps

09:22 Legitimate loan offers vs. scams and predatory lenders

10:24 Safeguarding your credit score

Written and hosted by: Howie Lim ([email protected])

With Bryan Chan, client advisor, Providend and Nima Karimi, CEO of Lendela

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: bt.sg/btmoneyhacks

Apple Podcasts: bt.sg/oeXe 

Spotify: bt.sg/oeGN 

Google podcasts: bt.sg/oeGP 

Website: bt.sg/moneyhacks

Feedback to: [email protected]

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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Discover more BT podcast series:

BT Mark To Market Podcast at: bt.sg/btmark2mkt 

WealthBT at: bt.sg/btwealthbt

PropertyBT at: bt.sg/btpropertybt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Are whiskey investments worth looking into in volatile times? Are they a lucrative alternative investment? What’s the difference between bottle and cask/barrel investing?

Howie Lim gets insights from Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

02:25 Inflection point in whiskey investing

04:27 Cask/barrel vs. bottle investing

08:10 Should whiskey drinkers invest?

11:19 Is whiskey worth investing in?

Written and hosted by: Howie Lim ([email protected])

With Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund.

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: bt.sg/btmoneyhacks

Apple Podcasts: bt.sg/oeXe 

Spotify: bt.sg/oeGN 

Google podcasts: bt.sg/oeGP 

Website: bt.sg/moneyhacks

Feedback to: [email protected]

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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Discover more BT podcast series:

BT Mark To Market Podcast at: bt.sg/btmark2mkt 

WealthBT at: bt.sg/btwealthbt

PropertyBT at: bt.sg/btpropertybt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Is investing during a recession a good idea? Can it be rewarding? How do we fight natural instincts to become more conservative because the best investments may not be what we expect?

Howie Lim gets insights from Francis Tan, investment strategist at UOB Private Bank’s chief investment office.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation:

01:02 Market developments to watch

03:36 What approach to take in uncertainty

05:10 The balance between risk and returns

06:58 Assets and products to consider

08:38 Passive or active investing?

11:10 Discretionary investing

13:33 Markets are always uncertain, what to do? 

More about:

UOB’s Risk-First Approach

https://str.sg/iwaU

UOB SimpleInvest

https://str.sg/iwaw

Rethink Your Wealth, UOB’s personal finance series

https://str.sg/iwai

Written and hosted by: Howie Lim ([email protected])

With Francis Tan, investment strategist at UOB Private Bank’s chief investment office.

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

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Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: bt.sg/btmoneyhacks

Apple Podcasts: bt.sg/oeXe 

Spotify: bt.sg/oeGN 

Google podcasts: bt.sg/oeGP 

Website: bt.sg/moneyhacks

Feedback to: [email protected]

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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Discover more BT podcast series:

BT Mark To Market Podcast at: bt.sg/btmark2mkt 

WealthBT at: bt.sg/btwealthbt

PropertyBT at: bt.sg/btpropertybt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Financial stability, financial independence, financial abundance, financial freedom! The terms just get more complicated or is it just semantics?

Does one mean the other and how can we get there?

Howie Lim gets insights from Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research at Singlife.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

01:20 Differences and similarities between financial freedom and abundance

05:01 Concerning findings from the Financial Freedom index

12:07 Opportunities and bright sparks during market volatility

15:12 Protect your wealth!

Written and hosted by: Howie Lim ([email protected])

With Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research, product, proposition at Singlife.

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: bt.sg/btmoneyhacks

Apple Podcasts: bt.sg/oeXe 

Spotify: bt.sg/oeGN 

Google podcasts: bt.sg/oeGP 

Website: bt.sg/moneyhacks

Feedback to: [email protected]

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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Discover more BT podcast series:

BT Mark To Market Podcast at: bt.sg/btmark2mkt 

WealthBT at: bt.sg/btwealthbt

PropertyBT at: bt.sg/btpropertybt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

With inflation seemingly persistent and global economic conditions looking like they could worsen, how do we steel ourselves to stay invested? Stay invested we must because who wants to be a loser? Howie Lim gets insights from Samuel Rhee, Chairman and CIO at Endowus.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

01:13 In or out in this current climate?

03:38 In, even when markets dive

08:11 Beating inflation is possible

12:07 Inflation and recession beating strategies

Written and hosted by: Howie Lim ([email protected])

With Samuel Rhee, Chairman and CIO at Endowus

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: bt.sg/btmoneyhacks

Apple Podcasts: bt.sg/oeXe 

Spotify: bt.sg/oeGN 

Google podcasts: bt.sg/oeGP 

Website: bt.sg/moneyhacks

Feedback to: [email protected]

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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Discover more BT podcast series:

BT Mark To Market Podcast at: bt.sg/btmark2mkt 

WealthBT at: bt.sg/btwealthbt

PropertyBT at: bt.sg/btpropertybt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Salary independence, active investing, FIRE. How can we be sure any of them work to get us to financial independence? Howie Lim gets the skinny from Sabrina Gan, Fidelity International’s Head of Southeast Asia and Country Head of Singapore.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

01:48 Passive vs. active investing debate moot?

03:02 Is active investing required to retire well?

05:06 How active investing better enables financial security

08:03 Goals determine mix of assets and strategies

10:37 More wealth building hacks 

Written and hosted by: Howie Lim ([email protected])

With Sabrina Gan, Fidelity International’s head of Southeast Asia and country head of Singapore

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: bt.sg/btmoneyhacks

Apple Podcasts: bt.sg/oeXe 

Spotify: bt.sg/oeGN 

Google podcasts: bt.sg/oeGP 

Website: bt.sg/moneyhacks

Feedback to: [email protected]

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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Discover more BT podcast series:

BT Mark To Market Podcast at: bt.sg/btmark2mkt 

WealthBT at: bt.sg/btwealthbt

PropertyBT at: bt.sg/btpropertybt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

In the debate between savings and investing, which is a better choice to grow our wealth? What are some factors to consider? Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend share their insights and tips with Howie Lim.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

01:02 Chris Tan and Karl Franks’ take on savings vs. investing

02:56 Investing IS simple, just not easy

05:52 Productive and unproductive debt

08:12 Investing helps you STAY rich

12:25 Not rocket science but many simple things working together

Written and hosted by: Howie Lim ([email protected])

With Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend.

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: bt.sg/btmoneyhacks

Apple Podcasts: bt.sg/oeXe 

Spotify: bt.sg/oeGN 

Google podcasts: bt.sg/oeGP 

Website: bt.sg/moneyhacks

Feedback to: [email protected]

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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Discover more BT podcast series:

BT Mark To Market Podcast at: bt.sg/btmark2mkt 

WealthBT at: bt.sg/btwealthbt

PropertyBT at: bt.sg/btpropertybt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Private equities, real estate, digital assets, collectibles are some of the alternative assets that are missing in our investment portfolio. How can we achieve a balanced portfolio, including alternatives in the current environment? Howie Lim gets insights from Kelvin Lee, Co-founder and CEO of Alta.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

01:08 Alternative assets as hedge against inflation

05:44 Effect of current environment on alternatives

09:24 Portfolio diversification and allocation of alternatives

12:10 Potential opportunities in alternatives

Written and hosted by: Howie Lim ([email protected])

With Kelvin Lee, Co-founder and CEO, Alta

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: https://bt.sg/btmoneyhacks

Apple Podcasts: http://bt.sg/oeXe 

Spotify: http://bt.sg/oeGN 

Google podcasts: http://bt.sg/oeGP 

Website: https://bt.sg/moneyhacks

Feedback to: [email protected] 

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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Discover more BT podcast series:

BT Mark To Market Podcast at: http://bt.sg/btmark2mkt 

WealthBT at: http://bt.sg/btwealthbt

PropertyBT at: https://bt.sg/btpropertybt

BT Market Focus at: http://bt.sg/btmktfocus

BT Podcasts at: https://bt.sg/pcOM

BT Branded Podcasts at: https://bt.sg/brpod

BT Lens On: http://bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Winning the lottery may feel like a pipe dream. But the salary independence it gives is more attainable than you think. Imagine not requiring a paycheck from your boss. Howie Lim uncovers the possibilities with David Kuo, co-founder of The Smart Investor.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

00:42 What is salary independence?

02:38 Savings vs investing

06:15 Path to salary independence

11:22 Stock picking to achieve investment growth

Written and hosted by: Howie Lim ([email protected])

With David Kuo, co-founder, The Smart Investor

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: https://bt.sg/btmoneyhacks

Apple Podcasts: http://bt.sg/oeXe 

Spotify: http://bt.sg/oeGN 

Google podcasts: http://bt.sg/oeGP 

Website: https://bt.sg/moneyhacks

Feedback to: [email protected]

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

---

Discover more BT podcast series:

BT Mark To Market Podcast at: http://bt.sg/btmark2mkt 

WealthBT at: http://bt.sg/btwealthbt

PropertyBT at: https://bt.sg/btpropertybt

BT Market Focus at: http://bt.sg/btmktfocus

BT Podcasts at: https://bt.sg/pcOM

BT Branded Podcasts at: https://bt.sg/brpod

See omnystudio.com/listener for privacy information.

One has been an economic force for some time, and one is poised to be one of the fastest growing major economies over the next decade. But where should you put your money? Howie Lim finds out from Daryl Ho, senior investment strategist at DBS’ chief investment office.

Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

Highlights of the conversation: 

00:53 IMF GDP forecast for the two giants

03:03 Long term drivers of the two economies

08:44 Other factors to consider before investing

13:16 Timelines & expectations on investment return

Written and hosted by: Howie Lim ([email protected])

With Daryl Ho, senior investment strategist, DBS chief investment office

Edited by: Howie Lim & Claressa Monteiro

Recording engineer: Joann Chai Pei Chieh

Produced by: BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

Channel: https://bt.sg/btmoneyhacks

Apple Podcasts: http://bt.sg/oeXe 

Spotify: http://bt.sg/oeGN 

Google podcasts: http://bt.sg/oeGP 

Website: https://bt.sg/moneyhacks

Feedback to: [email protected]

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

---

Discover more BT podcast series:

BT Mark To Market Podcast at: http://bt.sg/btmark2mkt 

WealthBT at: http://bt.sg/btwealthbt

PropertyBT at: https://bt.sg/btpropertybt

BT Market Focus at: http://bt.sg/btmktfocus

BT Podcasts at: https://bt.sg/pcOM

BT Branded Podcasts at: https://bt.sg/brpod

See omnystudio.com/listener for privacy information.