BT Money Hacks

Money Hacks Ep 62: What is a robo-advisory? 10:15 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. Robo-advisers are becoming more common in Singapore, but just what is a robo-advisory and how is it different from traditional investing methods? Chris Lim hosts Evy Wee, head of financial planning & personal investing at DBS, who explains the basics: 1. What is a robo-advisory? (0:24) 2. Are robo-advisers easier for people who are starting their investing journey? (1:16) 3. What kind of fees are involved? (4:20) 4. Equities vs ETF portfolios: what are the basic considerations? (7:57) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGP Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacksSee omnystudio.com/listener for privacy information.

Money Hacks Ep 61: Getting the most out of cashback/rewards cards 10:03 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. Most Singaporeans have either a cashback or rewards points credit card, some even have both; but are we getting the most out of them? We speak with Mark Cheng, media sales lead at financial comparison site MoneySmart.sg, who shares his insights with us: 1. What are some of the basic things you need to consider? (0:31) 2. Things to take note of when redeeming air miles/points (5:07) 3. What if my spending is not consistent enough to maximise the benefits? (6:19) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGd Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

Money Hacks Ep 60: Maximising air miles and credit cards 9:04 min Synopsis: In this fortnightly podcast series on Mondays, The Business Times breaks down actionable financial tips. Singaporeans love to get out of the country at every opportunity and this episode focuses on understanding credit cards and air miles better. We speak with Mark Cheng,  media sales lead at financial comparison site MoneySmart.sg He breaks down the various options: 1. Which card is better, those that accrue miles or points? (1:17) 2. What misconceptions are there? (2:00) 3. What to consider before redeeming your air miles (4:08) 4. How do you maximise your air miles? (5:06) Produced by: Chris Lim and Lee Kim Siang Edited by: Adam Azlee Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGd Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

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 Discover Money Hacks Podcast fortnightly on Mondays and rate us on: Channel: http://bt.sg/btmoneyhacks Apple Podcasts: http://bt.sg/oeXe Spotify: http://bt.sg/oeGN Google podcasts: http://bt.sg/oeGd Website: http://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

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 Follow more Money Hacks podcasts and rate us on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Playlist: https://str.sg/JwDa  Website: https://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

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: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: https://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

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: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: https://bt.sg/moneyhacks Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

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 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  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: https://str.sg/JJmm Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

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.Link: https://sph.au1.qualtrics.com/jfe/form/SV_4MwYEyWCtmRKUHH Like, subscribe and rate our Money Hacks podcast on: Spotify: http://str.sg/oeGN  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.

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  Apple Podcasts: http://str.sg/oeXe  Google podcasts: http://str.sg/oeGd  Website: http://str.sg/stpodcasts Feedback to: podcast@sph.com.sg 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 --- Discover more BT podcast series: BT Mark To Market Podcast on: http://bt.sg/btmark2mkt WealthBT Podcast on: http://bt.sg/btwealthbt BT Podcasts on: https://bt.sg/btmoneyhacks Follow our shows then, if you like short, practical podcasts!See omnystudio.com/listener for privacy information.