Author: Investment Stab

Transfer CPF Money from Ordinary to Medisave Account

Today’s topic was suggested by one of our readers.

If you got any questions/topics you would like us to talk about, let us know via the comments below or via this form.

You asked us what are some of the pros and cons of transferring money from your CPF Ordinary Account (OA) to your CPF Medisave Account (MA).

Here is the result of our research.


Background


If would like to know what is your Medisave Account for, click HERE.

But, long story short:

Source: CPF

You can use it to pay for your medical bills, family members’ medical bills, as well as pay for medical insurance schemes like MediShield Life.


Recommended Read: Why We Still Need Insurance Agent


The Pros


So why would anyone want to transfer money from your CPF OA to CPF MA, here are some of the reasons.

1. Extra interest

CPF (OA) pays 2.5%+ interest per year.

CPF (MA) pays 4%+ interest per year.

Just moving money from your OA to your MA gives you extra 1.5% interest per year.

2. Has a cap

Your MA savings is subjected to a cap, known as the Basic Healthcare Sum (BHS).

As of 2021, the BHS is set at $63,000 for those 65 years old and below.

Any amount that is in excess of your BHS will flow over to your

  • CPF Special Account (SA) – if you are below 55 years old
  • CPF Retirement Account (RA) – if you are 55 years old and above
Source: CPF

So, technically, your CPF MA money is not a bottomlessly pit where money keeps going in without no way to take out unless you are hospitalised

Your CPF MA will reach a cap, after which money will flow into your CPF SA or CPF RA, where it can be withdrawn (if other conditions are met of course 😉)

For more information on the BHS, click HERE.


Recommended Read: Which Chinese Zodiac Has the Best Financial Outlook for 2021?


The Cons


While you will get higher interest by making the transfer, there are also cons associated with it.

Here are the cons of transferring money from your CPF OA to CPF MA.

1. One-way street

You cannot un-do the transfer.

Once you transfer from your CPF OA to your CPF MA, you cannot transfer it back from your CPF MA to your CPF OA.

2. No tax benefits

If you do a voluntary CPF MA top-up using cash, the amount that you top up is tax deductible.

However, if you transferred it from your CPF OA to CPF MA, there is no tax benefit.

3. Less ways to use your funds in CPF

If you kept the money in your CPF OA, you can use it for housing, education, insurance premiums, and other purposes.

But if you transfer the money to your CPF MA, you can only use it for medical purposes or to pay for medical insurance premiums.

If you are currently paying your home loan using CPF, if you make a transfer to your CPF MA and cause your CPF OA to have insufficient funds to pay your monthly mortgage, then you might have to pay your mortgage in cash.

In which case, it might be better if you just top up cash into your CPF MA (since this is tax deductible) while paying your mortgage is not.


Recommended Read: Closing my Standard Chartered JumpStart Account


Conclusion


There’s no one-size fits all solution.

For example, if you got sufficient funds in your CPF OA to pay your mortgage, and would like to grow your CPF MA faster and maximise the interest you are earning from CPF, then you can consider making the transfer.

But, there is no hard-and-fast rule. 

Whether or not to transfer the money from your CPF OA to your CPF MA, depends heavily on your circumstances.


Recommended Read: What I Learnt 6 Months into My SGUnited Traineeship


New Product Launch (Beta)


We are building a new platform to help you find people to share your family plan subscriptions with. 

We help you find, match, subscribe and collect payment so that you don’t have to.

Convenience for you:

  • You don’t have to find people to share with you. We do it for you.
  • You don’t have to chase people to transfer you their share of the subscription fee. We do it for you.
  • You don’t have to remember to transfer your share of the subscription to that 1 person. We do it for you.
  • You don’t have to find it difficult to drop out of a family subscription plan because you shared it with your family/friends. We cover your share for you.

We like to know what you think about this service.
Let us know in the survey below what you think, and to be notified once we officially launch the product. 😉

SURVEY


Promos & Referrals
We are starting to build a list of Promos and Referrals for our readers.
Click here to view the full list of Promos and Referrals we have. 


Hey You!


If you have a money related story about you or your relatives’ that you want to share, let us know in the comments below or email us at investmentstab@gmail.com.
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Why We Still Need Insurance Agent

This is probably another one of our controversial articles, where instead of being our usual self and bash insurance agents, we are going to write about why we genuinely think they are important and should still exist. 

It is a common perception that insurance agents have a bad reputation – mostly because of their pushy, aggressive, and questionable sales practice.

Most of us would probably rather go to a dentist than meet an insurance agent.

And as much as we want to think they are not what we want or need, they definitely play an important role in our financial roadmap!

Today, we are going to be unconventional and write about the people we often mock about: Insurance Agents.

We will be explaining why we think we need insurance agents in our lives.


PS: we will be using ‘insurance agent’ and ‘financial consultant’ interchangeably in this article. In this article, both will mean the same, although there might be some difference in the real world.


Importance of Insurance


Insurance is one of the things that are important in ensuring that you can reach your financial goal and security.

It acts as the “protection” layer, protecting you and your family against expensive events like death, sickness, hospitalisation etc.

You will need it to cover these basic things like death, TPD, and hospitalisation, everything else can be “optional”.

Optional include things like endowment, ILPs, etc, which are generally the higher income-generating products for the insurance agents.


There’s nothing wrong with trying to sell higher-margin insurance to customers IF the customers need it.

Also, insurance agents have families to feed as well.

It is only wrong if they are not suitable for the customers, or if the customers are conned into buying them.

Kind of like buying the 256gb iPhone instead of 128gb.

It’s a higher margin for Apple to sell the 256gb model but it really depends at the end of the day if the customer really needs it.


The problem with insurance is, we do not buy them automatically, because they are not life-threatening or required on a frequent basis.

If you starve, you will die; hence your stomach gives you the signal to go buy food and eat.

The problem with insurance is there is no such mechanism at play, and by the time you realise you need insurance, it’s already too late.

If you realised you haven’t left any money for your family to take care of themselves in the event of your early death, you cannot reverse and buy insurance to get the payout. 


Recommended Read: 9 Things I Learnt from my Internship at GIC


Importance of Insurance Agent



That’s where the importance of an insurance agent comes in.

Because they exist, and because they contact (“force”, in a good way) you to go through your financial roadmap, they are able to help you identify the gaps and give you the appropriate advice on how to get your financials on track (or at least ensure sufficient protection for you and your family). 


I studied finance and investment to know the importance of getting insured.

But for people who are teachers, engineers, doctors, or other professions that are not in the “money business”, this is not an intuitive thing for them.

And so the most realistic way for them to get their financial roadmap on track is to get advice from an insurance agent.


I don’t think people would wake up one day, suddenly realise they need to get $X amount of life insurance and proceed to buy one themselves. This just does not happen in real life.

Hence the importance of an agent is they literally force you to sit down, walk you through the whole roadmap, and plan your finances.


Recommended Read: Corporate Strategy 1: Rundle, Recurring Revenue Bundle


Dilemma of an Insurance Agent


Of course, insurance agents only make money if you buy policies from them.

And the money they earn from your premiums tends to drop after the first few years.

So for example, after you buy insurance from your agent, maybe they get 

  • First-year 10% of the premium as their commission
  • Second-year 5% of the premium as their commission
  • Third-year 1% of the premium as their commission
  • Fourth-year 0% of the premium as their commission

And since they have to do an annual review of your financial health, it makes sense for them to take that opportunity to either sell you a bigger plan (up-size) or sell you some other plans.

If they don’t do that, how do they feed their families?

Furthermore, it’s been proven that it’s easier to up-sell and cross-sell to existing customers than to new customers.

So if not you, then who? 🤷‍♂️


But, there’s only so much insurance one person need. Eventually, as a customer, you will no longer need any additional insurance.

However, to make ends meet, sometimes, some agents, would have to sell more despite already having enough, just like what Christopher said in his video below. 

Christopher went from being an insurance agent to starting a fee-based wealth advisor after a client told him “surely there must come a time whereby I have enough insurance.

Not saying that all insurance agents are like that, but you as a customer will eventually reach a point where you just have enough insurance. Then what?

Do you continue to buy more insurance to support your agent? Or do you stop buying what your agent suggests?


Recommended Read: Closing my Standard Chartered JumpStart Account


Conclusion


We think we still need insurance agents going forward (says the guy who was thinking of becoming one).

But there’s only so much insurance one needs to get.

Eventually, we all just need to be able to say ‘No’ when asked to get more insurance.

What do you think?


Recommended Read: What I Learnt 6 Months into My SGUnited Traineeship


New Product Launch (Beta)


We are building a new platform to help you find people to share your family plan subscriptions with. 

We help you find, match, subscribe and collect payment so that you don’t have to.

Convenience for you:

  • You don’t have to find people to share with you. We do it for you.
  • You don’t have to chase people to transfer you their share of the subscription fee. We do it for you.
  • You don’t have to remember to transfer your share of the subscription to that 1 person. We do it for you.
  • You don’t have to find it difficult to drop out of a family subscription plan because you shared it with your family/friends. We cover your share for you.

We like to know what you think about this service.
Let us know in the survey below what you think, and to be notified once we officially launch the product. 😉

SURVEY


Promos & Referrals
We are starting to build a list of Promos and Referrals for our readers.
Click here to view the full list of Promos and Referrals we have. 


Hey You!


If you have a money related story about you or your relatives’ that you want to share, let us know in the comments below or email us at investmentstab@gmail.com.
Alternative, you could fill in the form below for us to contact you.
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Dear Reader!
As we progress towards the next phase of our journey, we would like to find out what would make you like us even more.
We hope you could help us fill in a short survey of 8 questions (4 of them are MCQs) so that we can help tailor our content to you.
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Corporate Strategy 1: Rundle, Recurring Revenue Bundle

 

We are starting a new segment in our articles.

We are now going to talk about corporate strategies and business models, something we picked up when learning about investing.

Today, more than ever, business models and strategies are playing an increasing weight in how we invest our money, and we think it’s only appropriate that we also dive into it when talking about investing.

And in our first-ever dive into this topic, we are going to be talking about “Rundle”.



What’s a “Rundle”?


The Rundle, or recurring revenue bundle, was the term coined by NYU professor Scott Galloway, to explain how companies can mix 2 business models (recurring-revenue subscription and bundling) together as one to grow faster.

“Recurring-revenue subscription” was the in-thing a few years ago. Any startups that had “subscription” as part of its business model found no shortage of venture capital fund outbidding each other to invest in the startups.

“Bundling” on the other hand, is an old retail strategy of combining several products together to sell as a package. Think selling masks with hand sanitiser in 1 pack instead of as 2 separate items. Customers buy more because of the perceived discount, while businesses get a higher transaction size.

The “Rundle” is the combination of the 2, where businesses package several products together and sell them as a subscription, offering a better value proposition, better value, and make higher revenue.



Recommended Read: 9 Things I Learnt from my Internship at GIC


How It Is Being Used?


While companies in the subscription business are working hard to find products to bundle into their subscription, companies in the bundle business are working hard to get into a subscription relationship with their customers.

Case in point: Apple and Walmart.

Apple & Apple One

Source: Apple

Even on their service website, the first sentence states that it’s a subscription that bundles several of Apple’s services.

Originally, you can subscribe to the different services (Apple Music, Apple TV+, Apple Arcade, and iCloud) on their own. 

Maybe you’re already subscribed to Apple Music and iCloud, but now at just a couple dollars more, you can get TV+ and Arcade, instead of paying for the full price.

That “lower entry price” would entice customers who are on the edge to give the service a shot, and give Apple the slight revenue boost in its services segment.

This is the classic subscription model pushing for bundling to achieve the “Rundle”.


Walmart & Walmart+

Source: Walmart

The sleeping giant has awakened and it’s starting to face its toughest competitor (*cough cough Amazon) head on!

Walmart is a supermarket giant in the US, and while it has been growing over the years, the growth has not been spectacular and it has been gradually losing market share to Amazon.com.

Being a traditional supermarket, it is in the “bundle” business, that is, you get a slight discount if you bought 2 bottles of Pepsi instead of 1.

Businesses of such nature are one-off: customers buy where it is cheap and convenient, and have a low cost of switching to another provider.

Customers don’t build an entrenched relationship with Walmart because if today another shop is selling cheaper than Walmart, customers are going to go to that other shop.

What Walmart has decided to do, is to start offering its customers a subscription service to entrench their customers into a relationship with Walmart (copying the strategy of Amazon Prime).

For a subscription fee, customers can get free shipping and many other perks, which attracts customers to do more of their shopping with Walmart because they have already paid a subscription fee (a sunk cost) and wants to utilise that fee to the max.

This is the classic bundling model pushing for subscription to achieve the “Rundle”.



How It Shouldn’t Be Used


Source: Inc.com

While most companies are innovating ways around how they can offer a “Rundle” service to their customers, not every company will be able to get it right.

To put it simply, a “Rundle” is only a value proposition.

It is a good way to accelerate growth IF there is a good Product-Market Fit (we’ll explain product-market fit next time).

If there is no product-market fit, pushing out a “rundle” service is not going to grow your business.


Example 1: Bundling business pushing for subscription

You have a retail shop that uses the bundling business model currently, and you’re pushing towards a “rundle”.

However, the prices you charge before and after the subscription fees, are higher than your competitors.

In this case, what’s the value proposition you bring to your customers to entice them to enter into a subscription relationship with you?

Why would a customer pay a $10 subscription per month to buy from a grocery store that charges higher prices than the supermarket across the street?

Is it fast delivery? Is it monthly promotions? Is it any other value proposition that can make customers find the whole “rundle” valuable?

If there is no strong value proposition, you might not have a product-market fit, in which case you should work on improving the product instead of pushing out a “rundle” hastily.


Example 2: Subscription business pushing for bundling

You have a software subscription business that has 3 software products. 1 of them sells really well while the other 2 barely sells.

You hope to bundle your 3 software products together as a “rundle” so that your customers will be enticed to get all of them instead of just the best selling one.

Of the 3 software you offer, only 1 is of value to your customers while the other 2 are crap.

You can offer a “rundle”, but no one is going to continue that subscription because no customers will want to pay extra money for things that they don’t use or are lousy.

After testing out your “rundle”, customers will eventually drop back to just subscribing for just your best product if the other products suck.

A “Rundle” doesn’t solve the problem of having a lousy product.




Conclusion


A “Rundle” is a great way to accelerate the growth of your business. and build loyalty.

However, it is only one part of the whole strategy, and it only works IF your business has a product-market fit.



Recommended Read: What I Learnt 6 Months into My SGUnited Traineeship


New Product Launch (Beta)


We are building a new platform to help you find people to share your family plan subscriptions with. 

We help you find, match, subscribe and collect payment so that you don’t have to.

Convenience for you:

  • You don’t have to find people to share with you. We do it for you.
  • You don’t have to chase people to transfer you their share of the subscription fee. We do it for you.
  • You don’t have to remember to transfer your share of the subscription fee to that 1 person. We do it for you.
  • You don’t have to find it difficult to drop out of a family subscription plan because you shared it with your family/friends. We cover your share for you.

We like to know what you think about this service.
Let us know in the survey below what you think, and to be notified once we officially launch the product. 😉

SURVEY


Promos & Referrals
We are starting to build a list of Promos and Referrals for our readers.
Click here to view the full list of Promos and Referrals we have. 


Hey You!


If you have a money related story about you or your relatives’ that you want to share, let us know in the comments below or email us at investmentstab@gmail.com.
Alternative, you could fill in the form below for us to contact you.
Story Form


Dear Reader!
As we progress towards the next phase of our journey, we would like to find out what would make you like us even more.
We hope you could help us fill in a short survey of 8 questions (4 of them are MCQs) so that we can help tailor our content to you.
Survey

Remember to offer your opinions. If you don’t put your two cents in, how can you expect to get change?
Have feedback? Tell us now!

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Closing my Standard Chartered JumpStart Account

Today, we are going to show you how to cancel your Standard Chartered JumpStart Account.

Personally, I had to cancel the account because I was past 27 years old and no longer eligible for the higher interest rate.

I found it hard to find a function/button on its website that allows me to delete my account.

So after I found it, I decided to make a guide so that it’s easier for you to cancel your own account in the future.

Refer to the steps below. 😉


Steps to Close Your Account


1. Go to Standard Chartered “Contact Us” page

Which for convenient sake, here’s the link:

https://www.sc.com/sg/help/contact-us/


2. Select the talk to a chat option.


3. Proceed with some verification


4. Then tell the person that you would like to close the account.



Recommended Read: 9 Things I Learnt from my Internship at GIC


The Process


The process is generally simple and fast.

Basically what I did above was all that was required.

I probably spent more time searching how to close my account than the actual act of closing my account 😅


Recommended Read: What I Learnt 6 Months into My SGUnited Traineeship


New Product Launch (Beta)


We are building a new platform to help you find people to share your family plan subscriptions with. 

We help you find, match, subscribe and collect payment so that you don’t have to.

Convenience for you:

  • You don’t have to find people to share with you. We do it for you.
  • You don’t have to chase people to transfer you their share of the subscription fee. We do it for you.
  • You don’t have to remember to transfer your share of the subscription fee to that 1 person. We do it for you.
  • You don’t have to find it difficult to drop out of a family subscription plan because you shared it with your family/friends. We cover your share for you.

We like to know what you think about this service.
Let us know in the survey below what you think, and to be notified once we officially launch the product. 😉

SURVEY


Promos & Referrals
We are starting to build a list of Promos and Referrals for our readers.
Click here to view the full list of Promos and Referrals we have. 


Hey You!


If you have a money related story about you or your relatives’ that you want to share, let us know in the comments below or email us at investmentstab@gmail.com.
Alternative, you could fill in the form below for us to contact you.
Story Form


Dear Reader!
As we progress towards the next phase of our journey, we would like to find out what would make you like us even more.
We hope you could help us fill in a short survey of 8 questions (4 of them are MCQs) so that we can help tailor our content to you.
Survey

Remember to offer your opinions. If you don’t put your two cents in, how can you expect to get change?
Have feedback? Tell us now!

Follow us on Facebook and Instagram for more timely updates about finance-related articles and memes! 😁
Subscribe to our newsletter too in case social media platforms decide to stop showing you our content.

What I Learnt 6 Months into My SGUnited Traineeship


It has been 6 months since I started my SGUnited Traineeship with a local bank back in August 2020.

It’s a halfway mark and I thought it’ll be nice to pen down what I have learnt or experienced so far.

Kind of like a good midpoint check on my progress and plan.

If you are currently working as a trainee and would like to share your experience, feel free to leave a comment below or reach out to us to share your experience.



1. Slide presentations the school never taught


I thought I was a good presenter until after my first couple of presentations to my boss, I realised I sucked at it.


Note: Everything the school ever taught you about presentation slides, throw it out the window

I’m saying this as a guy who went to both a business school and an IT school.


I was considered a good presenter back in school, praised by most of my lecturers and scoring high on almost all my presentations.

Entering the workforce and having to make my first presentation to my boss, I was like “how hard can it be?”.

Turns out it was really tough, simply because it was very different from how schools made us think about how a presentation should work.


Standard School Slides Format

The school slides generally fall under this format, in that sequence.

1. Start with a narrative or what you want to find (2 to 3 slides)

2. Explain the numbers you did/found (2 to 3 slides)

3. Give the conclusion/steps/actions to take (1 slide)


I did just that, and literally, I got the “so what? what’s the purpose of this?” from my boss at the first 3 slides.

I literally went to the last slide, showed the conclusion, then got sent back to work on the numbers again 🤷‍♂️.

That didn’t end up the way I expected.


Long story short, after a few rounds of such “so what?”, I went to learn how professional people (like Mckinsey) did presentation slides.

It was completely different from anything the school taught.

I learnt from YouTube how to create consultancy-kind of slides and actually paid for a course on it (which BTW is not SkillsFuture claimable cause apparently it’s not a “skill” the authorities find “technical” 🤷‍♂️).

Below is the video that I learnt from to create consultancy-kind of slides. Thought it would be useful if I put it down here for you to watch and learn.


Recommended Read: Why You Should Max Your CPF Retirement Sum Early


2. Slow decision-making


As with any organisations, once it starts to get big, bureaucracy and controls start to set in to rein in the chaos, which at times also meant that decision-making becomes very slow.


Although I had previously written that I think companies should follow Mark Zuckerberg’s motto of “move fast and break things”, I no longer think that this motto fits ALL companies.

Can you imagine that your bank account or payment stopped functioning because a bank was progressing so fast that some of its features/products were breaking down?

So companies that are dealing with serious mission-critical products/services should not adopt that whole “move fast and break things” mindset.


However, that’s not to say “don’t move and keep things.”

We still need to make decisions, make bets, and bet on macro trends.

And instead of waiting for 100% of information clarity before making a decision, sometimes it’s best to make a move even with just 70% information clarity. 

Sometimes what causes lost opportunity is the time to wait for that 30% of the information to come in.

Like Jeff Bezos said, there are 2 types of decisions, and most decisions belong to Type 2. 

But large companies have the tendency to use the Type 1 framework on Type 2 matters, which slows down progress and leads to frustration.

So it’s important for companies to understand if their decisions are Type 1 or 2, and applying the corresponding decision-making matrix.



3. Too many meetings


Meetings can be packed end-to-end from the start of the day to the end of the day.

Real work can only be done after 6pm when no more meetings are schedule (if you are lucky)

How would it be possible to not work overtime (OT)?

I used to think that it was the lack of manpower that result in overworked staff.

Now I realised, we are not overworked, we are just over-meeting.

If we reduced the number of meetings we have, we might just have enough time to do some real work.



Recommended Read: 8 Years of Investing: How a Hedge Fund Manager Wannabe Became Just Another Singaporean


4. It’s not about learning


 I think a lot of people get into a job thinking “alright, I think I am going to take this job because I can learn a lot from this role/position/job/etc”, and I personally don’t believe in this kind of thinking.

I personally (it’s just my opinion) think that it’s better to pick a job that I can excel in, and then see what I can learn on my own during my time with the company.


Don’t get me wrong. I don’t mean that you shouldn’t learn anything on the job. You should still learn how to do your job right (the nuances and whatnot).

But join a few companies, and you’ll soon realise the hard skills (systems, software, tools, applications, etc), are things that you can learn, and probably are not able to bring them over to another company because they probably have other systems, etc.


Instead, it’s the things that are not in the SOP, like slides creation, or positioning of offerings, etc, that is portable across most companies, and are things that you pick up along the job, usually without someone guiding you.


1. It’s a company, not a training institute. 

I always think in terms of “what can I offer you?” instead of “what can you offer me?”

I think a better offer would be to go in with a mindset of “this is my skills, this is what I can do to help you grow your business. Let me try”, than one that is “I know I am not skilled for the job currently but I’ll work hard and learn and do my best.”.

I’m not saying the latter is bad.

But I’m just saying, if I’m an employer, I would think that the former is a much better offer than the latter. 

You do your best to push the company forward, and try and learn something on the side.

Not the other way round, try and learn something while pushing the company forward on the side.


Is this a hard and fast rule? Of course not!

It depends on situations, just like what Sir Richard Branson says.


2. Learning is personal

It’s interesting how Singapore is now pushing people towards lifelong learning.

It’s like once people graduated from school and entered the workforce, they immediately stopped learning – which I do think is true, due to circumstances (commitments) and the whole “That’s it I’m done with school”.


When actually if you look at really successful people, they are always learning.

We like to think learning has to be proper, it has to have a school, have a curriculum, and it better gives me a certificate at the end of my course.

But when you look at successful people of our times (Musk, Bezos, Gates, Jobs, etc), I don’t think they take courses on the side.

But they are constantly learning.

It doesn’t have to be from a school, and it doesn’t have to be formalised at work.

If you are keen to learn, you will learn. 

If you are not keen to learn, anyone who has been through school will know that nothing will ever get learnt.



Recommended Read: 9 Things I Learnt from my Internship at GIC


Conclusion

I like my current role. 

It’s a mixture of marketing, ops, analytics, programming (although added on subsequently without additional pay 🤷‍♂️).

It’s a wide variety of things to do daily, which doesn’t bore me, a key reason why I chose this role over other offers.

And I do think there are still quite a lot of things to learn (which is great).

But, as I always say, there are always rooms for improvement. 😉


And PS: to anyone from my company reading this, please don’t not convert me after my traineeship ends 🙏🤣


Promos & Referrals
We are starting to build a list of Promos and Referrals for our readers.
Click here to view the full list of Promos and Referrals we have. 


Hey You!


If you have a money related story about you or your relatives’ that you want to share, let us know in the comments below or email us at investmentstab@gmail.com.
Alternative, you could fill in the form below for us to contact you.
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Which Chinese Zodiac Has the Best Financial Outlook for 2021?

As legend has it, the Jade Emperor (Emperor in Heaven in Chinese folklore) wanted 12 animals to serve as his guards. To determine their ranking, he sent an immortal being to earth to spread the message about a race, where each animal’s rank would be determined by the order in which they passed through the Heavenly Gate.

On the day of the race, Rat woke up early but encountered a river with a swift current. To overcome this obstacle, Rat jumped onto Ox’s back. Ox did not mind and helped Rat cross the river. After crossing the river, Rat jumped off Ox and dashed towards the feet of the Emperor. Rat finished first place in the race, Ox came in second, and the rest of the animals followed— that’s how the Chinese zodiac began.

On 12 February 2021, we will be welcoming the Year of the Ox. Apart from hosting reunion dinners, enjoying pineapple tarts, and receiving red packets, what’s Chinese New Year without reading your Chinese horoscope predictions? While shopping malls and Feng Shui masters focus on how lucky you’ll be in your career, health, and relationships, we’re shedding light on your financial luck for 2021. If you’re unsure of your Chinese zodiac sign, find it in the table below.

Key Highlights

  • The Monkey, Rooster, and Dog zodiac signs are predicted to have the greatest financial luck in 2021, according to Feng Shui Grand Master Tan Khoon Yong.
  • The Tiger and Rabbit zodiac signs will obtain financial independence by discovering a new income source.
  • The Dragon zodiac sign will enjoy large profits, as long as they take advantage of the investment opportunities.

How to Find your Chinese Zodiac Sign

Chinese Zodiac Sign Birth Year
Rat 1948, 1960, 1972, 1984, 1996, 2008
Ox 1961, 1973, 1985, 1997, 2009, 2021
Tiger 1950, 1962, 1974, 1986, 1998, 2010
Rabbit 1951, 1963, 1975, 1987, 1999, 2011
Dragon 1952, 1964, 1976, 1988, 2000, 2012
Snake 1953, 1965, 1977, 1989, 2001, 2013
Horse 1954, 1966, 1978, 1990, 2002, 2014
Goat 1955, 1967, 1979, 1991, 2003, 2015
Monkey 1956, 1968, 1980, 1992, 2004, 2016
Rooster 1957, 1969, 1981, 1993, 2005, 2017
Dog 1958, 1970, 1982, 1994, 2006, 2018
Pig 1959, 1971, 1983, 1995, 2007, 2019
The Chinese zodiac sign is based on your birth year.

Your Chinese Zodiac Financial Outlook for 2021

Here is a breakdown of your Chinese zodiac’s financial prediction for 2021, and the investments you should consider making.

Rat

CNY financial horoscope prediction 2021 - Rat
CNY financial horoscope prediction 2021 – Rat

Your financial prospects will greatly improve, compared to the previous year. Your work at hand will reap huge profits, especially during the 5th and 10th month. With Rat being your zodiac animal, you’re naturally smart when it comes to money matters. If you have spare money, consider making an investment in your field of expertise.

Ox

CNY financial horoscope prediction 2021 - Ox
CNY financial horoscope prediction 2021 – Ox

The financial horoscope of the Ox can be improved. You should avoid high-risk investments and maintain caution towards spending beyond your means. Wealth is predicted to dip during the 3rd, 6th, and 8th months. As family expenditure will be particularly large during 2021, remember to create a budget and plan to increase your monthly savings. Consider opening a savings account, as a low-risk way to earn more with your money.

Tiger

CNY financial horoscope prediction 2021 - Tiger
CNY financial horoscope prediction 2021 – Tiger

When it comes to your finances, wealth projection is flat, and money can be easily lost, especially during the 7th month. On the bright side, the 4th and 8th month will bring you the highest financial luck. As you gain more financial independence, remember to save throughout the year to avoid financial hardships.

Rabbit

CNY financial horoscope prediction 2021 - Rabbit
CNY financial horoscope prediction 2021 – Rabbit

Your financial luck in 2021 is relatively flat, with extra financial success during the 9th month. Although you’re a natural saver, this year’s income is set to be far less than expected. Every time you’re able to save a sum of money, it is destined to be spent on various necessities. This may cause you to feel challenged when managing money from home. With the finance industry becoming increasingly digitised, there are many new financial management tools that can help you manage your money in an easier, smarter way.

Dragon

CNY financial horoscope prediction 2021 - Dragon
CNY financial horoscope prediction 2021 – Dragon

You will be presented with investment opportunities where waves of profit will come crashing in. Be content with your financial abundance and avoid the temptation of going overboard, which may put you at risk of losing more than you gained. Your financial outlook for 2021 is stable and you will not need to worry about covering household expenses. You will be especially financially lucky during the 10th month.

Snake

CNY financial horoscope prediction 2021 - Snake
CNY financial horoscope prediction 2021 – Snake

Your performance in the workplace will yield double the financial return. You will also earn money from unexpected areas. However, your financial consumption will also increase. Remain open to an opportunity that will let you strike rich during the 4th month. If you’re used to being cautious with spending, seek guidance from a friend or mentor born in the Year of the Ox.

As the Snake is a fire sign, it clashes with metal – an element that represents money. According to Chinese Ba Zi readings, the Ox is nicknamed, “The Storeroom of the Metal”, which means they can safeguard the wealth of animal signs who have trouble achieving monetary abundance. To increase your financial luck in 2021, look through your contact list and contact an Ox benefactor.

Horse

CNY financial horoscope prediction 2021 - Horse
CNY financial horoscope prediction 2021 – Horse

You’ll experience smooth progress in your career, which will be tied to good income. Expect to receive the highest financial luck during the 11th month. If you find yourself faced with unexpected events, learn to plan monthly expenditure as opposed to spending money on meaningless things. Consider applying the 50-30-20 rule when to divide your income into three categories:

  • 50% should be spent on your essential needs;
  • 30% should be used for discretionary spending;
  • 20% should go towards your savings, investments, and emergency expenses.

Suppose you earn S$6,000 a month, after all taxes and deductions. According to the rule, S$3,000 should be spent on your needs, S$1,800 should be used for your wants, and the remaining S$1,200 must be used for your savings and investments.

Goat

CNY financial horoscope prediction 2021 - Goat
CNY financial horoscope prediction 2021 – Goat

Your financial income may be greatly reduced, especially during the 3rd month. However, with hard work, you can expect financial success during the 6th month. Approach financial matters with increased caution. If you’re intrigued by the idea of making money through investing, you should first understand what investing is all about. Start by understanding the basics of investment, including the risks and portfolio diversification.

Monkey

CNY financial horoscope prediction 2021 - Monkey
CNY financial horoscope prediction 2021 – Monkey

Your financial luck looks quite bright. You’ll enjoy increased wealth and bonuses during the first half of the year. Also, you’ll earn rewards from your side investments. While you will be most financially lucky during the 4th month, you’re expected to face great loss during the 12th month. To avoid financial hardship towards the end of the year, consider planning ahead with a Robo advisor, a low-cost alternative to traditional wealth management advisors.

Rooster

CNY financial horoscope prediction 2021 - Rooster
CNY financial horoscope prediction 2021 – Rooster

Your wealth projection is quite positive and you will encounter many good opportunities in 2021 to obtain high returns. However, as you tend to be more materialistic by nature, your expenses will also be relatively high. Remember to minimise spending, even if you have a comfortable monthly income. Be especially careful during the 2nd and 6th months and welcome good fortune during the 5th and 11th months.

Dog

CNY financial horoscope prediction 2021 - Dog
CNY financial horoscope prediction 2021 – Dog

Your financial outlook is relatively flat. As you tend to be more conservative in nature and risk-averse, it is recommended that you focus on diligence this year, and wait for the right investment opportunities to come to you. You may not receive a windfall or a big promotion – but you won’t be burdened with significant income complications either. 2021 will be a year of financial smooth-sailing, without any major ups or financial loss.

Pig

CNY financial horoscope prediction 2021 - Pig
CNY financial horoscope prediction 2021 – Pig

For your wealth prediction, expect to receive a good income from your investments. You will not need to worry about financial shortfalls, with the exception of the 3rd, 6th, and 10th months. You will also enjoy a pleasant financial surprise during the 5th month.

Chinese Zodiac Wealth Predictions in 2021

After the financial rollercoaster during the year of the Rat, we can’t wait to see a better financial outlook during the year of the Ox. While it’s exciting to read you Chinese horoscope and see all the good fortunes the new year brings, remember that luck will only go so far – it’s up to you to make the most of the new year, work hard, and make smart financial decisions. The same applies for those whose financial predictions weren’t the most auspicious – take it with a pinch of salt. Happy Chinese New Year!

 

Credits:

ValueChampion.sg is a finance consumer research company. Our experts have been featured in several major publications including CNN, CNBC, New York Times, Straits Times, Business Times, US News & World Report, USA Today, Associated Press, Reuters, Motley Fool, BizJournals, MarketWatch, the Street, Baltimore Sun and more. The articles and case studies that we produce help people in Singapore make smarter financial decisions.

Investment Stab 2021 Stock Market Predictions

We’re going to throw some predictions we have for the year.

And we are going to keep track of our predictions going forward.

We recognise that some of our predictions might be wrong, but we aim to be right more often than not.

So take our predictions with a pinch of salt 🤞


1. US Stock Market Will End 2021 Higher


Specifically, America’s stock market (aka S&P500) will end 2021 higher.

Why? 

1. They elected a Democrat President, Joe Biden.

Historically, the US stock market is up in the first year of a Democrat President.

Even more, interestingly, Democrat Presidents tend to have higher total 4-year return than Republican Presidents.

Forbes did an analysis on the Presidents and their returns to show that difference in performance.

2. Stock markets are up after a bear market.

We entered bear market territory on 11 March 2020. 

We exited the bear market territory, and into the bull market territory, on 23 March 2020 or 18 August 2020 (depending on what “bull market” definition you use).

The stock market tends to trend higher in the next 18 months after it bottomed.

I’m betting that the markets are going to be higher even after 18 months.




2. STI to Stay Flat for the Year



On the previous point, we talked about the America (US) stock market. 

Here, we’re going to talk about the Singapore stock market.

Financials (namely the top 3 SG banks) are 40% of the STI.

Financial companies tend to do well in high interest (spread) environment.

With the US Fed set to keep rates low until 2023, expect the banks to not perform exceptionally well in 2021.

Furthermore, given that the banks had been fairly aggressive in lending money out to businesses in 2020, and Govt support for businesses is set to stop in 2021, we expect a rise in default rates, and hence a hit to the banks’ earnings.

And what happens when 40% of the index doesn’t do well?

The index doesn’t do well (might be a little far-fetch but considering we don’t have an SG-Financials ETF, this is as close as one we can get).

The STI started the year at 2842.64.

Analysts are expecting it to end at 3000 to 3200, a 6%~13% increase.

We think it’ll probably be closer to 3000.

Unless, of course, the other 60% meteorically rise to some historical highs.



3. Air Travel Will Recover



As the vaccines roll out, as countries need tourism to boost its economic recovery, as people start to feel so dry that they need to travel and drink overseas water, tourism will pick up.

Most likely, people are still going to be travelling by air.

We’ll see more visitors visiting various airports around the world this year.

PS: Ya, we know, this is kind of a no-brainer kind of prediction 🤷‍♂️

If we could invest in airports (like an airport REIT or something), I might actually invest in that just to capture the potential that’s coming up in 2021.

But because there isn’t, I invested in the next closest thing equivalent to that: SATS.

I do think it’s kind of like a monopoly where airlines don’t really have other choices besides using SATS in Singapore for its food services.

But that’s my view, and I bought when prices were low.

My prediction?

SATS will reach $5 by end of the year 2021.


Disclaimer:

I bought SATS during the midst of the COVID crisis. 

I think SATS will do well this year as air travel recovers, and as more tourists visit Singapore.

Do your own research, your own analysis and groundwork.

I’m not recommending you SATS.



Recommended Read: Save in CPF or Invest in SATS?


4. SIA Will Not Pass $5 By End Of 2021.


Although I think air travel will recovery, airlines not so much.

I have a negative bias towards airlines – I find them to be lousy businesses to invest in.

Why? Because Warren Buffett said so.

Or more specifically, it is expensive for airlines to scale and grow fast, whereas all it takes for Facebook to add another customer is to add just 1 more server to its server racks.

Are airlines important business: Yes

Are airlines great investment: No

Of course, if you bought at a low enough price; like $3 during the whole COVID19 pandemic, that would make it look like a genius investment.

But generally, I prefer investments that have a competitive advantage and scales fast. 

Airlines just don’t make the cut. 

That said, airlines face serious issues.

1. You can fly, but not at maximum capacity.

Airlines are in a competitive business and getting almost maximum capacity sold is the key to profitability.

Even as travel restriction ease, maximum capacity is not going to happen this year.

So, it’s going to be a long way from getting back to profitability.


2. Less business/first class travellers

Business and first-class travellers make up the majority of airlines’ revenue.

These are usually business travellers, executives travelling overseas for some business deals etc. 

With COVID, we have now learnt that the same can be done over MS Teams, Skype, Zoom, or whatever other tools you like – it’s a lot cheaper than air travel and it still gets the job done.

So why would business still want to let executives fly around when there’s a cheaper alternative?

Don’t take it from me only, even Bill Gates agree with this.



Recommended Read: Why You Should Max Your CPF Retirement Sum Early


Conclusion

These are our predictions of what we think will happen in 2021.

We are not 100% sure we will be correct.

But we do think we probably will not be too wrong.


As always, do your own research, due diligence, own analysis, and invest according to your risk appetite.

We are not giving you recommendations, just our predictions.


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Hey You!


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Books I Read In 2020

These are the list of books that I have read this year.

They span from economics & politics to business & investment.

This is probably not a lot to some people, but it’s quite a number for me (particularly cause I’m a slow reader).


How did I find the time to read these books?

Well, between my full-time work and blogging, I sacrifice sleep.

Yup, there’s no secret “time hack” or “productivity hack”, I just sacrificed sleep and forced myself to read about 1 chapter a day, and more if I can on the weekends.


So, let’s start looking at what I’ve read and my reviews.


Investment


1. The Deals of Warren Buffett

Type: Non-Fiction, Investing

I self-proclaim myself as a Buffettologist (a follower of Warren Buffett’s investing style).

This book goes through the deals the Warren Buffett made in his early days and how he analysed the various businesses before he invests in them.

Definitely a good refresh for someone like me who had read a lot of books on Buffett, and definitely a good start for someone who wants to learn how to invest like Warren Buffett himself.


2. Value.able

Type: Non-Fiction, Investing

This book was written by an Australian fund manager who specialises in value investing.

If you frequently attend ShareInvestor’s annual INVEST fair, you would probably have seen him around a couple of times.

It covers both the mathematical (how to calculate fair value, which uses a table that I’ve never seen before) and non-mathematical (what characteristics to look out for) parts of value investing.

If you want to add another methodology/calculation formula to your value investing arsenal, this is one book you can read.


3. Beat The Crowd

Type: Non-Fiction, Investing

I’m a huge fan of everything Ken Fisher writes.

What he writes is quite different from what is usually written in investment, economics, or finance books.

In this book, he focuses a lot less on the tactics (read his book ‘Debunkery’, which has a lot of great investment tips), and more on the mindset of how an investor should have and how to think.

I’ll probably rate this in the top 3 among all the books he has written. 

My personal favourite/top is still his ‘Debunkery’.


4. Why Moats Matter

Type: Non-Fiction, Investing

A pretty good book, one that had me taking down a lot of notes because it was all about the tips and things to look out for when finding moats in businesses.

The first half of the book was spent explaining moats while the second half delved into the moat-characteristics to look out for in each specific industry.

Pretty useful if you are looking at certain companies to invest in and want to have a checklist to verify if it is a good company to invest in.


5. The Greatest Trades Of All Time

Type: Non-Fiction, Investing

A book that walks you through the history of the stock market, specifically on the top traders that made a lot of money in the financial markets.

The book introduces you to the top 10 famous traders who made a huge return in the financial markets, and how they did it.

Kind of like reading a summary of the various books that explained how each trader (people like George Soros) made their killing in the financial markets during the various different moments in time.


6. Charlie Munger The Complete Investor

Type: Non-Fiction, Investing

I have to admit, this book is quite dry, it became quite a struggle to finish it towards the middle of the book.

Basically, this is a no-math guide to value investing.

It talks about all the soft aspect of a good company and a lot about the mentality an investor should have.



Business


7. The Amazon Management System

Type: Non-Fiction, Business

This is one of the books that I’ll probably re-read some time again in the future because everything inside is GOLD!

It’s probably the best book I’ve read this year.

It talks a lot about what makes Amazon a successfully company, and how other companies can model themselves against one of the largest companies in the world.

Whether you’re an employee, a small business owner, or a large company executive, this book is definitely a recommended read!


8. The Upstarts

Type: Non-Fiction, Entrepreneurship, Business

A book on Uber and Airbnb, how they got started, and how they became the giant they are today.

It’s a really interesting read; it brings you into the companies and into the respective founders’ heads.

It really explains the whole “do first, ask for forgiveness later” mentality, and maybe, just maybe, that should really be the way to go in the future?


9. Why I Left Goldman

Type: Non-Fiction, Banking, Business

Based on a true story (or at least that’s what the author says), this book will show you the cultural change that took place in Goldman Sachs before the Great Recession of 2008. 

Of course, this is based on 1 man’s narrative of the whole situation, and culture is something that impacts everyone differently.

But it is still an interesting read nonetheless (I have a friend that read this several times already 🤷‍♂️).


10. Hit Makers

Type: Non-Fiction, Marketing, Business

This is probably a recommended-read for those in business and in marketing. 

It explains a lot about how something can go viral, become iconic, or become a legend; while others languish, crash, or go unnoticed.

Master marketing and business will flourish, or at least that’s what I got out of this book. 

This is another book that successfully made it into my “will read again in the future” list 👍.


11. Hit Refresh

Type: Non-Fiction, Business

The book by Microsoft CEO, Satya Nadella, on how he took over the role of CEO and successfully changed the culture of Microsoft to become what it is today.

Inside, he wrote about his early years, his time at Microsoft, and what problems he faced when he took over as CEO.

It’s quite a light read, nothing technical; mostly about the man’s life and the road he sees ahead for the company and the tech industry.


12. Reed Hastings Building Netflix

Type: Non-Fiction, Business

The story of Netflix, how it started, who started it, how it grew, and where is it going.

All answered in this shor≤200 book.

A pretty nice read, kind of like a biography of both the founder and of the company.



Economics


13. Confession of an Economic Hitman

Type: Non-Fiction, Economics

This will probably be a pretty interesting read if I had not read Dan Brown’s Origin before starting on this book.

After reading a fiction novel, it makes this book feels like a fiction novel too.

Not to mention it felt like a book that consists of many conspiracy theories all wrapped up into one.

Could be true, could be false, but you pretty much can’t tell because it is almost like a one-man narrative of what’s happening around the world.

If you want to read a non-fiction fiction story, I guess this is the book to go? 🤷‍♂️🤣


14. The Undercover Economist Strikes Back

Type: Non-Fiction, Economics

Do you believe that the free market is the best way to rescue an economy or believe that Government intervention is the best way to rescue an economy?

This book will tell you why both are a viable way of rescuing an economy, along with many other lessons about economics, like sticking prices etc.

And, I’m actually quite interested to read the previous book the author wrote before this book.


15. Big Debt Crises

Type: Non-Fiction, Economics

A book by Ray Dalio that can be finished in 1 afternoon.

Recommend that you read the appendix first before the book. The appendix is more useful than the bulk of the book. 

The appendix explains the principles while the whole book is just examples of economic crises faced by countries over the years – it gets quite repetitive after a few examples actually.


16. Saving Capitalism

Type: Non-Fiction, Economics

This is a book by Robert Reich, former Secretary of Labour under Ex-US President Bill Clinton. 

If the above title doesn’t ring a bell, maybe this might: he was recently called a “modern day moron” on Twitter by Tesla CEO, Elon Musk 😉.

I spent quite some time reading this book, and it’s not because it’s a tough read. 

Rather, it is because I disagree with the book so much, I had to spend time making notes of what this book was trying to say, and time to joint down points I disagree with and why.

In fact, I might publish the list of points that I disagree with in this book, maybe in another post in the future. 

This is probably one of the books that I had the most number of disagreement with 🤣.

Source: TECH TIMES


Politics


17. Third World To First

Type: Non-Fiction, Politics

This is the X number of books I have read on or by The Man himself. 

It is an interesting book on Lee Kuan Yew’s view on Singapore and the world during the time 1965 to 2000. 

A lot of him recounting the things that happened, how he assessed the situations and did what he did.

It’s a man’s view on history, and if you like history, then probably this book would interest you.


Fiction


18. Origin

Type: Fiction

The latest book by Dan Brown (although it is still several years old already).

Bookmarked for the longest time, so it was probably time to finish this up.

Doesn’t disappoint!


Conclusion

As 2020 come to a close, did you learn or grow as a person?


Recommended Read: Get Free $8+ By Signing Up For Google Pay


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Monthly Housing Installment: Use CPF or Use Cash?

“Should I pay my monthly property installment using CPF or cash?”

This is probably a very common question people who just bought their house think of.

Which should you choose?

Let’s find out!

Scenario 1: Use cash to pay for mortgage, CPF money remains in CPF


This is the least common way Singaporeans tend to pay for their property. 

1. You are earning interest (2.5% + 1%), by keeping your money in CPF OA.
2. No accrued interest incurred from using OA to pay for housing loan.
3. You will have less cash on hand, thus it is not recommended to do this UNLESS you have quite a sum of cash or income to sustain your monthly mortgage.

Usually, those people that I know do this tend to 
a) have sufficient cash/salary to pay for their mortgage, and 
b) are keeping their money in CPF to earn the high interest because there is no where else that pays 2.5% (or 4% if you transfer to SA).


Scenario 2: Use CPF to pay for mortgage. 


This is the most commonly used method to pay for most property purchase in Singapore.

Because the idea is: my money is locked away in CPF. I cannot touch it until age 65, might as well use it to pay for my property.

1. You won’t be able to earn CPF interest because the money has been used to pay for your property.
2. You will incur accrued interest, which you would need to return back to your CPF account when you sell your house in the future.*
3. You get to keep cash in your hands! There’s a lot of things you can do with cash that’s in your hands, like investing! 😉

Conclusion

Depending on your own circumstance, decide which is the right path for you to take.

There is no right or wrong option; just whether it suits you or not.


Recommended Read: Get Free $8+ By Signing Up For Google Pay


Promos & Referrals

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Hey You!

If you have a money related story about you or your relatives’ that you want to share, let us know in the comments below or email us at investmentstab@gmail.com.

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Dear Reader!

As we progress towards the next phase of our journey, we would like to find out what would make you like us even more.
We hope you could help us fill in a short survey of 8 questions (4 of them are MCQs) so that we can help tailor our content to you.
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Free $8+ With Google Pay

Sign up for Google Pay today and get $8 cashback when you make your first $10 transfer.

Here is a guide to finding your promo code to share with your friends.

The first part of the guide is to get you signed up and get your first $8.

The second part of the guide is to get you familiar with how to share your promo code with your friends so that you can get your subsequent $8.

Get them to download Google Pay so that both of you can get $8 from Google!

You don’t have to use the app, we just want you to get that free $8 first 😉.



Part 1: Getting My First $8


Step 1: Click on the link here: https://g.co/payinvite/h12c70z

*Use your mobile phone to access the link.

**Just a disclosure, if you successfully earned your first $8 via the link above, we’ll also earn an $8 reward 😉. Thank you for supporting our operations with this small gesture.


Step 2: Sign up for Google Pay and download the app

Step 3: Sign in with your Google Account, and link it to any of your bank accounts.


Step 4: Click on ‘New Payment’ and make a payment.


There are a few ways to do this.

Step 4A: You can send $10 to any of your friends via their PayNow, and get $8 in cashback from Google. Then ask your friends to send you back the $10 👍.

Step 4B: You can pay for something that cost $10 (or more) via Google Pay, and get the free $8 in cashback from Google.


Step 5: View your rewards

Scroll down and click on ‘Rewards’. 

That will show you all the cashback you have earned.

So far, all the cashbacks have been credited back to my PayNow account.


Ta-da! So Simple! 😉



Part 2: Getting My Subsequent $8

Now that you’ve got your account set up, time to get the next $8.

Step 1: Find your Promo Code

Scroll to the bottom and click on the ‘Invite’ button.


Step 2: Share your Promo Code with your friends

Yup, share the code with your friends and get them to sign up for Google Pay (let them follow Part 1, send them this website 😊).


Step 3: Ask them to transfer you $10

Yes! Ask them to transfer you $10 via Google Pay; that will earn them their first $8 cashback from Google.

And that will also earn you that $8 referral fee.

Then, of course, you should transfer the $10 back to them if you still want to keep that friendship 🤣.

You can repeat this with up to 80 friends!



*Bonus Part 3: Getting Random Cashbacks

While you use Google Pay to make these transfers to your friends or to pay for goods and services, Google is currently also paying you a little cash back.

After every purchase/transfer, go to your ‘Rewards’ section.

There will be a scratch card reward that you can scratch to get a random amount of cash back from your transaction.


Conclusion

Our motto is ‘Free Money Just Take’!

Good things must share, so we are telling you this offer now!

And you better act fast, because the offer ends 31st December 2020!



Promos & Referrals

We are starting to build a list of Promos and Referrals for our readers.


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