Sunday 29 April 2018

(post 19/week 18)tipforthought:Singapore saving bond(SSB) is good but i do not have any!

5.An interesting article to read this week



There are various product in the market that requires less than $1000 to invest
1.Singapore saving bond(SSB) which require a minimum amount of $500
3.Sti ETF and abf Singapore bond via regular saving plan(posb)
4.Money market fund(FundsuperMart)

Just to add on one more product...

5.Peer to peer lending(moolahsense, funding societies)

Why invest in Singapore saving bond(SSB)?

  • Singapore saving bond(SSB) has an advantage over other instruments such as your saving account and fixed deposit
  • ·It's government-backed(AAA credit rating)
  • ·It's just require a minimum amount of $500 to invest and its return is above 1-2% per annum

To me, Singapore saving bond(SSB)belong to the lowest level of investment, level 1(low-risk low return) but I think it is more reliable than either money market fund or those insurance saving plans that are introduced to you by an insurance agent

Being young and being greedy(Laughs), I do not have any Singapore saving bond but just for information sake, here is how you can buy Singapore saving bond

Research link:

  • Step 1: Open an account with any of our Singapore local bank(DBS/POSB, OCBC, UOB)
  • Step 2.Open a CDP securities account with any of our Singapore local bank brokers preferably with our local bank brokers for easy access and convenience, just head down to the bank to apply(DBS VICKERS, OCBC SECURITIES, UOB KAY HIAN)
  • As for me, I open an account with DBS VICKERS by visiting our Singapore invest fair at 2016 when I turn 20 that year
  • Step 3: Buy Singapore saving bond(SSB) via online banking or through ATM(there is a transaction fee of $2)
  • Step 4: Sit back and collect your interest every 6 months (it will be pay to your bank account that is linked to your CDP account)
  • Step 5: Lastly, get out there and start applying the Singapore saving bond today!
The most important advice is to not procrastinate, get out there and start now and start early because everyone learns best from experience, remember no one has more interest in your money than you!

Next week, I think it's finally time to talk about my posb invest saver plan back from 2016(probably going to be a long one), do look out for my post!

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Saturday 28 April 2018

(Post 18/Week 18)Zero dollar Project updates:Carousell,Bitcoin faucets,short link and Online Survey

Report for this week zero dollar project, so far on the list, we have...

2.bitcoin faucets
3.Short link
4.Online survey

*Note: I am not affiliated to any of the companies that are mention below



This week has been a busy week for my carousell page with the continuation of selling my item due to spring cleaning of my room and there is a lot more offer ever since I have stated that mailing and postage option is available just last week.

Anyway long story short, I went to SingPost without any knowledge of mailing(yes, I have never done mailing in my life until this week, FYI), luckily I stumble a pretty carouseller who was about to send her item and ask for her help(I saw her writing the address on her envelop using the carousell app)

She walks me through the process and even recommends me to get the envelope from popular instead of singpost as they are cheaper

A big thank you to the pretty carouseller!

Anyway, I purchase a booklet of 10 stamps at $3(30 cents each) and 10 envelopes of c4 size(equivalent to a4 size) at $3.50, each c4 envelope require to put around 2 stamps (60¢)

For more information on SingPost charges and mailing guidelines please refer to this link:

2.Bitcoin faucets

This week collection of bitcoin faucets..

3.Short link

This week short link collection

(Last week)

(This week)

For more information on how's I use both short link on my blog and YouTube, read here

4.Online survey

So far on the list of online survey, we have...


This week I have decided to add a few online surveys for experimenting
Which are YouGov,mobrog, and ipanelonline. As I have just signed up with these few online surveys, I may need to take some time to reach the minimum payout, so probably I may not update on these few surveys so soon

Anyway, stay tuned for the second part of my post,tipforthought!

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Sunday 22 April 2018

(Post 17/week 17)Tip for thought:Job portal in sg and Common interview question

1.An interesting article to read this week

Note: I am not affiliated to any of the organization mentions below(except saf, hahaha)

Came across this interesting article on Quora about the various job portal in Singapore and thought that I would like to share with you all



A list of job portal for full and part-time job

1) JobsDB

2) Jobstreet

3) Jobs Central

4) Jobs Bank

5) Linkedin

6) Monster

7) Gumtree

A list of job portal for job internship and startups

1) Glint

2) InternSG

3) Stroff

4) Startup jobs

Portal for working professionals advice and job seekers/professional to seek advice on personal career development for workplace success.

1) Robert Walter career advice

2) Styleguide

2.Tipforthought: Common interview questions tips(taken from an article mostly, haha)

Question 1: Tell me more about yourself
  • A common starting interview questions to break the ice for interviewers to know more about you.
  • Do prepare a short presentation about yourself, give a brief summary of your personal details(hobbies, community involvement, education qualification and work experience)
Question 2: What are your strength and weakness?
  • Do not boast too much of yourself and do not put yourself down(always late for appointment etc)
  • Do Share 1 or 2 weakness and mention how you overcome them and do mention about 3 strength which would make a positive impression about your capabilities
Question 3: Why do you want to join this company?
  • This is a question where you have to think through carefully by doing research on the company culture and industry
  • Never give answer such as "I was attracted to the workplace benefit" or "the workplace is near my home"
  • Most importantly is that you must let the interviewer know that you are selective of your job and not just take any job that is available

Question 4: Where do you see yourself in 5 years time?
  • This question is often probed by the interviewer to see that if you are someone that set goals as employers believe that people who set goals are more reliable than those who do not set goals
  • Do give answer such as "I would like to be head of marketing in the next 5 years" or "I would like to take up more challenges and learning opportunities in my career where necessary"
  • Do not give an answer such as "I wish to have a family in 5 years" or "earn my first millions in 5 years"
Question 5: Why should we hire you?

You must be familiar with the company culture and job description as you have to showcase your compatibility with the job and company. Also, talk about your skill set, experience and past achievement and knowledge to set you apart from the rest of the candidate

Extra tip
  • 1. Ask the interviewer some question to show interest in that such as"can I have more in-depth details on the job scope?" Or "what will be the work environment like?"
  • 2. Write a thank you mail to the interviewer after the interview to thank the interviewer for the chance of opportunity and to learn more about the job
  • 3. Lastly, if you are caught up with something, do reschedule with the interviewer\
I hope some of these tips help!

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(Post 16/week 17)Zero dollar project:Carousell,Bitcoin faucets,Short link and Online survey updates

Report for this week zero dollar project, so far on the list...

2.Bitcoin faucets
3.short link survey



This week I manage to sell off one item on my carousell(like finally!)also I have uploaded quite a lot of listing this week due to a spring cleaning of my room during the weekend

2.Bitcoin faucets
This week collection of bitcoin faucets, just last week I found out about moon bit cash existence(all the wasted opportunity like I said last week...)

3.Short link

My earning on short link so far...(I have just withdrawn recently from shorte btw)

For more information, how I use both short links on my YouTube and blog read here

4.Online survey

So far on the list of online survey, I have tried out


The bold means that I have confirmed that there is payout

Last week, I started on using surveyon because it has a low payout rate of $2 and within a week I have manage to reach the minimum payout rate of $2, which is 20000 points in surveyon, here is the proof

I am starting to think that online survey are a really good addition to my zero dollar project and that you all should try it too, the extra money will really help to pay some bill(my phone bills etc, haha)

That's all for the updates on my zero dollar project this week!

Stay tuned to part two of my post tipforthought

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Monday 16 April 2018

(Post 14/Week 16):Zero dollar project:Carousell,Cryptocurrency,short link and survey

 Back for this week update of my zero dollar project!

I have decided to split my weekly blog post into two part: Zero dollar project and tipforthought as it's getting a lil bit messy

So far on the list...

2.Cryptocurrency(Bitcoin faucets)
3.Short link



This week regular update on my carousell, do follow me on carousel!

2.Bitcoin faucets

I just found out there is a moon faucet for bitcoin cash, all the wasted opportunity...gonna try it out also, will update next week

3.Short link

This week update on my Youtube channel and my youtube channel blog

4. Online Paid Survey

So far I have tried out toluna, where I have screenshot the payment in my last post

I am currently trying out mysurvey which has low payout criteria of  $2(the lowest that I have seen so far, not that I have tried many only toluna and mysurvey so far)

I am reaching the payout for mysurvey soon and I would probably update on next week post whether this online survey is legit.

I will soon be posting part two of this post:tipforthought, stay tuned till then

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Friday 6 April 2018

(Post 13/Week 15)Zero dollar project:Crytocurrency,Carousell,Short link and Afflilate marketing

Hi all, this week there is a new addition to my new zero dollar project: paid survey

But first, let's present my updates for this week

3.Short link
4.An interesting post to share this week
5.Paid online survey



                                                                                     My weekly update of item! (while stocks last!)


My coinpot collection this week!

Before                                           After

Before                                           After

3.Short link

        Mine earning so far from short link

My Youtube channel and my youtube channel blog

4.An interesting post to share this week

Post: have also posted this on sonicericsg facebook page)

Though this post is quite dated some time back, it's findings is still relevant in 2018

Key summaries:
1. Fund managers have all the insiders trading tips and an edge over individual investors
2. Individual investors do have an edge over wall street traders and that is time.
3. With time, the odds of you making a loss is 0 percent, if you hold for 5 years(10years would be a more safer choice)
4. To quote from the article". Five years, and you're doing better. Ten years, and there's a good chance you'll be sitting on positive annual returns. Hold them for 20, 30, or 50 years, and there has never been a period in history when stocks produced an average annual loss. In fact, the worst you've done over any 30-year period in history is increased your money two-and-a-half fold after inflation"

Pretty nifty eh?

5.Paid survey

Actually, this part of my zero dollar project has been in the works for some time, about a month or two back. But firstly, let me introduce you to paid survey!


One of the surveys she recommends to try out is toluna and I am have been trying them out for almost a month, here are the results...

My PayPal payment! (and it just took around a month)

To cash out from toluna, you need about 40000 points ($20 via PayPal), each survey is about a 2000-5000 point sometimes maybe more

Overall, it seems like paid surveys are a good way to go for my zero dollar project!

That's all for this week, do stay tuned to next week blog post!

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