BT Money Hacks

Money Hacks Ep 59: Mortgage loans 101 

14:44 min

Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.

This episode focuses on understanding mortgage loans better. We speak with Cris Ng, the head of mortgage at financial comparison service Moneysmart.sg

He walks us through various options:

1. Customers tend to fear mortgage loans and want to pay as little as possible and pay off as soon as possible. Why this is a misconception. (1:37)

2. Should you go for floating or fixed mortgage rates? (2:31)

3. First-timers, upgraders, seasoned investors: What they should know, including tips on types of mortgages they should choose (8:44)

4. Why is refinancing often overlooked by Singapore customers? (9:45)

5. How upgraders can approach mortgage decisions and the practice of "decoupling". (11:33)

Produced by: Ernest Luis and Lee Kim Siang

Edited by: Adam Azlee

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Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: https://str.sg/Jw5T 

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Money Hacks Ep 58: Credit cards for millennials 

9:54 min

Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.

This episode focuses on credit cards for millennials specifically. We speak with Natalia Goh, head of credit cards and personal loans at Standard Chartered Bank Singapore who .

She tackles our questions:

1. What would a millennial need from a credit card? (0:27)

2. Besides air miles, is cashback also another criteria millennials look at? (2:20)

3. How many credit cards do millennials typically hold? (3:55)

4. What should millennials look at when choosing a credit card? (4:51)

5. Should millennials be looking at pairing a bank account with a credit card to maximise benefits? (8:01)

Produced by: Chris Lim & Lee Kim Siang

Edited by: Adam Azlee

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Website: https://bt.sg/moneyhacks

Feedback to: [email protected]

Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

Thank you for your support! ST & BT Podcasts picked up a silver medal for Best Digital Project to engage younger and/or millennial audiences at 2019 Asian Digital Media Awards by Wan-Ifra: 

https://str.sg/Jw5T 

Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ

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Money Hacks Ep 57: What's the difference between credit card fraud and disputes?

10:02 min

Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.

This episode focuses on credit card fraud and disputes. We speak with Natalia Goh. head of credit cards and personal loans at Standard Chartered Bank Singapore, who tells us what the differences are. 

She tackles our questions:

1. Is there a difference between a credit card dispute and credit card fraud? (0:37)

2. How many months' worth of receipts should you keep? (2:41)

3. What are the steps you can take to protect yourself against fraud? (5:03)

4. What are the different channels banks use to send alerts to customers? (7:11)

Produced by: Chris Lim & Lee Kim Siang

Edited by: Adam Azlee

Like, subscribe and rate our Money Hacks podcast on:

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Feedback to: [email protected]

Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ

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Money Hacks Ep 56: How to choose the best travel insurance policy for your needs

10:10 mins

Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips.

This episode focuses on travel insurance and we speak with MoneySmart's Singapore general manager Abel Lee, who oversees its insurance business. 

He tackles our questions:

1. How can travel insurance be seen as an investment? (0:57)

2. What should we take note of when choosing a policy? (1:45)

3. How important is it to check the T&Cs? (4:09)

4. Is there a best time to buy travel insurance? (5:02)

5. Are there particular kinds of travel insurance policies for specific groups of people?

Produced by: Chris Lim & Lee Kim Siang

Edited by: Adam Azlee

Like, subscribe and rate our Money Hacks podcast on:

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Feedback to: [email protected]

Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ

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Money Hacks Ep 55: How to start investing with forex

8:51 min

Synopsis: In this fortnightly podcast series on Mondays, The Business Times and The Straits Times break down actionable financial tips.

This episode focuses on foreign exchange, specifically, how one can approach FX as another avenue for investment.

We speak with Sumeet Bhambri, Standard Chartered's regional head of wealth management for Asean and South Asia, for his take on FX investing.

He tackles our questions:

1. What is FX? (0:40)

2. How do we use FX as an investment vehicle? (2:06)

3. What tools can we use to help us? (5:52)

Produced by: Chris Lim & Lee Kim Siang

Edited by: Adam Azlee

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Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ

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Money Hacks Ep 54: How to save more when paying for overseas property investments

8:51 mins

Synopsis: In this fortnightly podcast series on Mondays, The Business Times and The Straits Times break down actionable financial tips.

This episode is aimed at how best to pay for property investments overseas. Do you use expensive banking services? Or new cheaper fintech-enabled money transfer services?

Mr Nilan Peiris is the London-based vice-president for growth for TransferWise, which has 1,600 staff members and about 150 in Singapore, and is also regulated by the Monetary Authority of Singapore.

He tackles our questions:

1. Does it really cost a lot to move money overseas via wires?

2. Understand why it is important to know about the transparency of the services you are using.

3. Why is speed important when you need to do time-sensitive good value property investments overseas?

Entrepreneur Kiyan Foroughi also comes on the show to talk about his own personal experience with money transfer services provided by banks and new fintech companies, and the big differences he has found when servicing property mortgages overseas. 

Produced by: Chris Lim, Ernest Luis & Lee Kim Siang 

Edited by: Adam Azlee

Dear readers,

We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.

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Like, subscribe and rate our Money Hacks podcast on:

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Feedback to: [email protected]

Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ

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Money Hacks Ep 53: How fintech helps you with cheaper and faster money transfers overseas

9:43 mins

Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips.

This episode is aimed at how best to transfer your money abroad, and in cheaper ways.

Entrepreneur Kiyan Foroughi comes on the show to talk about his own personal experience about money transfer woes with banks and why he uses new fintech services like TransferWise to save on costs and speed besides getting better transparency.

He has business investments and property mortgages overseas, and needs to transfer money to family members around the world.

Mr Nilan Peiris - another guest on the show - is the London-based vice-president for growth for TransferWise, which has 1,600 staff members and about 150 in Singapore, and is also regulated by the Monetary Authority of Singapore.

He answers the following:

1. What are cross-border money transfer services and why do they save their customers money? 

2. How you can save up to 10 times on the cost of sending a sum of money from Singapore to the UK, Europe or Australia.

3. How instant payment - thanks to fintech - means that customers can send money to pay for a leaky roof repair in London for example, within 20 seconds.

Produced by: Chris Lim, Ernest Luis & Lee Kim Siang 

Edited by: Adam Azlee

Dear readers,

We are conducting consumer research to find out what types of content you like. Please click on the link below to participate in a short survey which will help us serve you better. Respondents stand a chance to win $100 shopping vouchers and get invited to participate in consumer interviews.

Link: https://sph.au1.qualtrics.com/jfe/form/SV_4MwYEyWCtmRKUHH

Like, subscribe and rate our Money Hacks podcast on:

Spotify: http://str.sg/oeGN 

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Website: http://str.sg/stpodcasts

Feedback to: [email protected]

Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

Watch a video of Podcasts on the rise in Singapore: https://youtu.be/aGJ4cbch6eQ

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Money Hacks Ep 52: Tread growing e-commerce investment trend in Asia with caution

8:48 mins

Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips.

This episode is aimed at how you can make money from Asian consumer growth.

Here to explain that is our guest Nirgunan Tiruchelvam - the head of consumer sector equity research at Tellimer (formerly Exotix Capital). He has been an equity analyst covering Asian stocks since 2004. 

1. What kind of e-commerce trends should we study in Asia before investing? (0:51 mins)
2. E-commerce is an emerging sector in Asia if you want to consider widening your investment options in future. (3:05)
3. Watch the rise of old-economy companies that provide logistics, transportation and warehousing, like Singapore Post Limited for example - which is a listed company. (4:50)
4. Be wary of cash flow-negative companies that are unlisted in Asia and may not be able to continue being funded by the venture capital and private equity community in this region. (5:53)

Produced by: Ernest Luis 

Edited by: Ernest Luis

Like, subscribe and rate our Money Hacks podcast on:

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Feedback to: [email protected]

Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

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Money Hacks Ep 51: Making more money from Asian consumer growth

10:56 mins

Synopsis: In this podcast series on alternate Mondays, The Business Times and The Straits Times break down actionable financial tips.

This episode is aimed at how you can make money from Asian consumer growth.

Here to explain that is our guest Nirgunan Tiruchelvam - the head of consumer sector equity research at Tellimer (formerly Exotix Capital). He has been an equity analyst covering Asian stocks since 2004. 

As Asia is a massive region representing 60% of the world’s population, he says that the region is on the cusp of a consumer boom.

Find out why consumers in China, India and the Asean region are eating more, drinking more and spending more.

He suggests two investment sectors to look at - Asia's canned beer and traditional meat markets.

1. Why is Asia’s beer market about to explode with the introduction of canned beer? This trend is expected in less developed Asian markets in South-east Asia and China and India.

2. Despite newly-listed company Beyond Meat’s incredible rise as as a veggie meat company, real meat is the real investment story in Asia. 

Investors should note that Asia’s meat producers like Charoen Pokphand Foods, are about to see a big boom as prosperity levels rise in China and India. 

Produced by: Ernest Luis 

Edited by: Ernest Luis

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Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

See omnystudio.com/listener for privacy information.

Money Hacks Ep 50: How to invest amid market volatility

10:24 mins

Synopsis: In this podcast series every Monday, The Business Times and The Straits Times break down actionable financial tips.

This episode is about how to invest amid market volatility. Trade wars, currency swings, natural disasters - what's an investor to do when markets flip one way, then flop the other way?

Chief investment officer of StashAway, Freddy Lim, gives listeners tips on how to approach investments even when markets are roiling.

This includes both advice on the fundamentals of investment, as well as modern tools that can make a hassled investor's life easier.

Produced by: Ernest Luis and Christopher Lim

Edited by: Adam Azlee

Like, subscribe and rate our Money Hacks podcast on:

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Feedback to: [email protected]

Do note: Any financial or investment information in this podcast is for use in Singapore only and is intended to be for your general information. Any particular investment or decision should only be made after consulting with a fully qualified financial adviser.

See omnystudio.com/listener for privacy information.