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This week, Melvin Lim, Co-Founder and CEO of PropertyLimBrothers, speaks with Tay Chi Keng, a finance YouTuber renowned locally for his thrifty investment philosophy.
Chi Keng started creating finance content during his university days over three years ago and quickly built a name for himself with his sharp analysis and bold plays in the Chinese tech market. What’s the secret to his success? Simply to: “Buy cheap”. He’s got strong opinions on bonds (spoiler: not a fan) and shares the importance of building networks and spotting signals to make confident moves.
Melvin brings his real estate perspective into the mix, contrasting Tay’s stock market manoeuvres and how property popularity plays into successful investments. Get ready for a blend of finance talk and invaluable lessons that will reshape how you think about investing. Find out what Chi Keng thinks of the stock market’s future as well.
Timestamps:
00:00 Intro00:52 Why finance content?04:30 All intelligent investing is value investing08:28 How to hunt for your next stock investment12:22 Gut feeling to invest13:35 Does the popularity of the stock matter?15:06 All in investing18:50 Losing to inflation21:49 Seasons of investing in a life cycle22:19 Are cash being eroded?23:02 Losing money in investments27:32 Why invest in China?39:04 Cashing out of China stocks42:44 Prediction to the stock market next year45:54 Timing your investment48:10 Full time content creator?52:31 Stop creating content?53:23 AI stocks / NVIDIA Stocks01:00:48 Friends asking for investment advice01:03:05 Plan towards age 3001:06:15 Share buyback01:08:08 First stock / Future business plans01:09:34 Experience losing money01:12:04 If time and money is not a concern01:13:27 Outtakes
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In this episode, Melvin Lim, Co-founder and CEO of PropertyLimBrothers, sits down with Chris Chong, the force behind @HoneyMoneySG. From a corporate career to a full-time content creator, Chris has taken a unique path to share valuable insights on personal finance and CPF.
Since starting his YouTube channel in 2021, Chris has since built a dedicated following with his straightforward takes on money matters, especially how to maximise CPF for a secure financial future. Chris and Melvin discuss what it takes to grow your income strategically, use CPF for investments, and overcome limiting beliefs that can hold you back. Chris also gives practical advice on channel monetisation and shares the critical steps he believes are essential for financial freedom.
Hear what Chris has to say about investing in property and self-improvement as the ultimate ways to tackle inflation head-on. Learn why personal finance is more than just numbers—and how to make your money work smarter for you!
Timestamps:00:00 Intro01:41 How HoneyMoneySG started05:22 Career transition from Finance to Logistics06:57 Making videos about CPF11:47 Reducing expenses13:10 CPF investing16:43 Benefits about moving to Malaysia23:50 5 year plan24:20 Mindset about money27:45 Investing to memories32:08 Monitising HoneyMoneySG YouTube channel35:18 Financial Independence, Retire Early (FIRE) Retirement40:25 Ideal retirement47:38 Fighting inflation51:21 One of the best investments53:03 Burn out56:22 Quiting to pursuing a career in YouTube59:10 Meaning of current work01:01:08 Recent goals01:02:26 Sharing milestones01:03:11 Closing thoughts01:04:05 Outtakes
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Jesley, Alexa, and George from PropertyLimBrothers talks about the essential strategies specifically for HDB upgraders like John and Michel, and continues on the search for their right property.
This young, ambitious couple is eager to grow their wealth by moving into the condo market—but with big investments come big decisions, and they’re understandably cautious about the risks. Learn why supply, demand, and property age are essential factors when scouting for your ideal condo—and don’t miss George’s personal advice if he were in John and Michel’s shoes!
The team also discuss why timing is crucial for upgraders, what to keep in mind when choosing a property. and compare investments in stocks vs real estate. Packed with real-life examples and expert advice, this episode is also your guide towards making the best possible real estate decisions.
Timestamps :
00:00 Intro00:37 John and Michel Introduction01:59 Real Estate “Horror Stories”04:09 Investing in stocks vs real estate08:16 Motivations to upgrade to a condo in your 30s08:48 Financial planning for John and Michel11:55 George’s Punggol HDB Sale14:25 Things to consider before upgrading from HDB to Private16:16 George’s Punggol HDB Sale (Continue)16:26 Expansion Phase vs Consolidation Phase17:05 Advice to John and Michel19:02 New Launch vs Resale Condo21:04 GFA Harmonisation21:25 What is the “best” New Launch to buy right now?22:07 New Launch vs Resale Condo (Continue)23:03 Advice to John and Michel (Continue)24:44 Couple’s concerns with 99 to 1 property ownership26:52 Advice to John and Michel (Continue)27:57 Closing28:06 Outtakes
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Jesley, Alexa, and George from PropertyLimBrothers talk about the FED’s 15% interest rate cut could reshape the real estate market in 2025. With the rate reduction aimed at curbing inflation, the property market is buzzing with new opportunities. If you’re newly married, early in your career, and looking to make the smartest property move—this episode is for you.
They break down the impact of lower interest rates on property demand, discussing whether now is the time to buy or if waiting is a smarter strategy. Is the resale market about to heat up? How will enhanced housing grants and reduced loan-to-value ratios affect HDB buyers? Through the persona of a young couple, Wayne and Joanne—fresh graduates navigating their first big property decision—our team answers key questions like: Should you choose a BTO flat or resale HDB? What about a 2-bedroom condo? And how do you make sure your first property sets you up for future capital gains?
With engaging discussions on grants, market trends, and future-proofing your real estate decisions, this episode provides actionable insights tailored for those in the Spring of life. More on this episode!
Timestamps:
00:00 Intro01:25 Article: "Fed slashes interests rates by a half point"03:35 Client's opinions on interest rate cuts05:21 Article: "2 ways the latest fed interest rate cut affects Singaporean homeowners"08:59 Article: "Measures to cool the HDB resale market and provide more support for first-time home buyers"09:28 Thoughts on latest cooling measure10:43 Who is affected by the cooling measure?13:53 Increase in Enhanced CPF Housing Grants (EHG)14:30 Who is affected by the cooling measure? (Continue)18:59 Article: "How would reduced loan-to-value (LTV) limit, larger housing grants affect HDB buyers?"19:58 Article: "Vast majority of HDB buyers not affected by tighter loan-to-value (LTV) limit"21:09 Wayne and Joanne introduction22:12 Advice for Wayne and Joanne42:24 George's life experiences and property buying journey47:41 Advice: "First-time home buyers should take their time and get a second opinion before buying a home"48:19 Alexa's life experiences and property buying journey50:43 3 factors to determine what properties you can buy51:11 Advice: "First-time home buyers should take their time and get a second opinion before buying a home" (Continue)52:20 Teaser for Part 252:52 Outtakes
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This week on NOTG, Melvin Lim, Jun Wei, and Alexa from PropertyLimBrothers take a closer look at two single personas—Ryan and Laura—who are at different stages in life but share the same journey of finding the perfect home.
Are you like Ryan, 28, seeking your own personal space in a modern community with strong investment potential? In his spring season, learn why Jun Wei suggests looking at private properties in the OCR, specifically Punggol East! Or are you more like Laura, 37, torn between HDB and private property? Looking for a home to stay in and for potential investment during her summer season, and with the price disparity, which is the better investment choice—HDB or condo?
The team also talks about considerations when buying with a friend, how priorities shift with different life stages, and the financial aspects of making a property decision that aligns with both personal and investment goals.
And if this episode got you thinking about your own property journey, don’t miss the chance to gain even more insights at Property Summit 2024! Join us on 26-27 October for a 2-day masterclass packed with expert knowledge on market trends, investment strategies, and all the tools you need to build a winning property portfolio. Just starting out or looking to grow your investments, this is the event to be at!
Sign up here: https://assembly.sg/property-summit-2024/
Timestamps:00:00 Intro00:54 Melvin’s experiences with co-owning a home03:43 Ryan and Laura introduction03:48 Melvin encourages buyers to own a home under their own name04:07 Discussing Ryan’s profile04:44 Jun Wei’s thoughts on co-owning07:57 Jun Wei’s ideal co-owning plan12:16 Alexa’s thoughts on co-owning13:12 Bidadari Flats resale prices14:09 Downsides of co-owning (one co-owner with CPF, and another without CPF)18:12 Discussing Laura’s profile18:30 Tips and recommendations for Laura20:21 Laura’s potential buying plan and home options26:41 Promoting PLB Property Summit 202427:41 Symphony Suites 3-bedder listing and buying plan31:20 Symphony Suites 4-bedder layout33:04 HDB options for Laura and buying plan35:58 HDB vs Condo38:45 Number of Million Dollar HDB Resale transactions39:40 Sengkang HDBs increasing in demand41:55 First million-dollar resale flat in Bedok44:08 Laura’s potential buying plan (continue)47:18 Ryan’s potential buying plan and home options51:29 Parc Rosewood 2-bedder listing and layout53:36 Norwood Grand unit pricing54:48 Ryan’s potential buying plan (continue)57:43 Alexa’s property journey and tips01:09:52 Promoting PLB Property Summit 202401:11:28 Closing thoughts01:11:58 Outtakes
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Part two of ‘the winter personas’, the Jun Wei, George and Jesley focuses on whether retirees should fully pay off their property or maintain a loan to leverage cash flow. They examine the psychological burden of debt versus the benefits of low-interest rates, and how this decision impacts overall financial flexibility.
By comparing different approaches, they emphasise the importance of retirees having liquid assets for emergencies, travel, and lifestyle choices in retirement, while also reflecting on the need to stay active and engaged to avoid cognitive decline—which can be explored through downsizing.
And when it comes to legacy planning, how can retirees transfers to heirs while minimising taxes like Additional Buyer’s Stamp Duty (ABSD)? All these and more on this episode of NOTG!
Timestamps:00:00 Intro00:59 Alan & Justina introduction (Winter season)04:19 Fully pay a property in your retirement age?08:02 George's dream retirement life08:52 Cash flow is king11:54 All kids moving out and you stay in a landed13:38 Advice for Alan & Justina22:49 LTV dropped by 5%25:27 Income cap for resale HDB?26:36 Legacy planning32:57 Retiring young33:47 Jun Wei's dream retirement life34:58 Wealthy and happy?36:36 Different economy39:39 Upcoming new personas39:54 Buying a property with your sibling/friends42:52 Closing thoughts46:44 Outtakes
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In this episode, Jun Wei, Jesley and George from PropertyLimBrothers introduce a fresh series that brings property investment strategies to life through personas representing different stages of life and risk tolerance. They spotlight on the ‘Autumn’ and ‘Winter’ personas, designed for older, more cautious individuals. Through the example of Peter and Lucy, a high-income couple in their 40s, we see how their investment approach starts leaning toward stability and future planning.
With Peter and Lucy as the case study, they highlight key aspects like income levels, mortgage strategies, and the importance of staying within safe borrowing limits. They also tackle the balance between financial security and property appreciation, focusing on choosing the right property for their future.
The trio lays out Peter and Lucy’s options in areas like Bukit Timah, with decisions based on school proximity, budget, and long-term goals, including a break down of their loan amounts and monthly payments to their quantum play potential for investment flexibility. The search for Peter and Lucy’s ideal property is focused on future-proofing—how cooling measures, CPF retirement sums, and the luxury rental market impact property choices for those planning beyond retirement. Find out what works best for them. If this persona fits you, this episode is not to be missed!
Timestamps:00:00 Intro01:50 4 seasons recap03:58 Peter & Lucy profile (Autumn season)08:05 Talking about desires09:57 Advice for Peter & Lucy16:15 Purchase options19:46 Needs vs wants25:05 Regulation for school buses & school selection28:55 Kids FOMO30:45 No perfect house31:43 Landed Private Transactions (Jan 2023 to Jan 2024)38:41 Focusing on the quantum play41:58 School bus transport students living within 4km of their schools43:52 Summary48:48 Looking through BRS retirement sum50:58 Next episode teaser51:34 Outtakes
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In this episode of Nuggets on the Go, Melvin Lim, Co-Founder and CEO of PropertyLimBrothers catches up with Joseph, the founder and principal architect of BHATCHBatch Architects, as shares his career leap from K2LD Architects to his own firm. See what Joseph has to say about the evolving trends in Singaporean architecture over his past 15 years of practice.
Joseph addresses the rising costs of rebuilding landed properties, acknowledging how inflation has become a homeowner’s nemesis. He shares his firm’s meticulous process, emphasising that thorough planning is key to minimising changes during construction. He reveals the importance of collaboration, illustrating how good architecture is a dance between the architect’s vision and the client’s dreams—because what’s a stunning design if it doesn’t feel like home?
Joseph highlights the need for empathy in architectural practice, reminding us that it’s not just about creating beautiful buildings but also about crafting spaces that truly resonate with their inhabitants. As a boss, he also promotes a work-life balance for his team, ensuring they can deliver thoughtful, well-planned designs without burning the midnight oil. After all, a healthy architect is a happy architect, and happy architects make for happy homeowners! All these and more on NOTG!
Timestamps:00:00 Intro00:44 Who is Joseph Lee?01:20 Why study architecture?02:26 Challenges as a fresh graduate architect04:00 Focused more in residential architecture projects07:40 What is the meaning of BHATCH?07:53 Architecture design trend evolution in Singapore11:28 Helping a buyer have an ease of exit for the newly built house15:40 Building a multi-gen house17:11 Minimum cost for a house20:25 More floors in a house21:36 Cost of rebuilding22:55 People spending more on interiors24:07 House that looks good but less maintenance25:50 Work process in the Architecture firm.30:15 Tender stage parameters32:44 Builders not completing the project36:08 Construction payment schedule37:56 Handling clients personally39:19 PLB home tour design inspiration with Joseph42:09 Using brinks in the house44:03 Materials used today ("Warm modernism")45:55 Architect style47:00 Past construction are more solid than today53:13 How long will a modern landed home last nowadays?54:31 A&A and Rebuild construction cost59:39 More rebuild nowadays?01:00:24 Demographics of landed buyers today01:01:25 More young clients01:02:24 Memorable projects01:07:41 Recently completed projects01:08:49 Future plans of BHATCH Architect01:09:56 Constraint budgets on projects01:11:33 Is it stressful being an architect?01:18:13 Condour Cards: What is one thing you didn't know about your current career when you first started?01:22:32 Closing thoughts01:22:48 Outtakes
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In Part 2 of Alexa, Yong Zhun, and Joan’s exploration of buyer personas, they discuss Maverick, or rather, “Dallas Maverick”—a high-earning bachelor in his Spring season, seeking a condo for both status and investment. With a $10K-$12K monthly income and a $1.1 mil budget, Maverick faces the dilemma: should he opt for a 1-bedder in the RCR, or aim for a 2-bed, 2-bath unit in the OCR
The team covers everything from capital appreciation to the rentability of dumbbell layouts, comparing the pros and cons of Sengkang Grand Mall and Jewel at Buangkok, which could be potential areas of interest for Maverick.
For Maverick, it’s crucial to make the right decisions based on his unique goals—not just follow trends. As the team discusses potential areas like Potong Pasir and Pasir Ris, see what they think would help a persona like Maverick balance his desire for status with sound investment strategies.
Timestamps:00:00 Intro00:45 Spring Persona introduction04:25 Starting your journey05:06 Affordability07:11 MF Loan07:40 Choices available21:14 Recommended areas for Mavericks25:23 Age is a currency27:40 Summary28:44 Other personas29:45 Outtakes
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This week on NOTG, Alexa, Yong Zhun, and Joan dive into the life of Charmaine, a typical 35-year-old at the end of her “Spring season”, who’s just trying to get her own place—kind of like Alexa! They chat about singles’ eligibility for HDB flats at this age and navigate through the various stages of property investment.
They explore Charmaine’s options, from HDB resale flats and 2-room BTOs to 1-bedroom condos. The team breaks down the pros and cons, from mortgage costs and rental income to location and future resale potential. They also highlight the perks of acting early in today’s booming property market.
Wrapping up, they dive into the nitty-gritty of living with tenants and renovating older flats versus the benefits of a 1-bedder condo. It’s all about making savvy, financially smart choices that fit a single-buyer’s goals and future stability!
Timestamps:00:00 Intro00:42 Introduction of Spring Persona03:23 Affordability check for most singles05:39 Singles comfortable staying with their parents06:52 BTO Option12:25 BTO Option Comparison view22:09 HDB Resale Option29:36 HDB Resale Option Comparison view34:30 1-Bedder Condo Option38:29 1-Bedder Condo Option Comparison view P141:14 Names stuck in the property45:46 1-Bedder Condo Option Comparison view P250:31 Closing thoughts55:18 Next Episode55:44 Outtakes
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In part two of Melvin’s catch-up with The Weeblings, Sara and Aaron talk about how they tackle the high cost of living in Singapore, the significant challenges of saving for a house down payment, and the pervasive influence of social media on financial habits, highlighting how these factors shape their investment strategies.
Topics include breaking down miles versus cashback, giving tips on using cards like the DBS Women’s World Card and UOB Preferred Platinum Visa. Sara shares valuable tips on maximising rewards, managing multiple credit cards, and, crucially, avoiding the pitfalls of credit card debt.
The Weeblings address the challenges of the competition for BTO flats, and the impact of rising salaries on small businesses. They also discuss the cooling measures affecting property investments and the shift in housing plans among young Singaporeans, including preferences between BTO and resale flats. More on this concluding episode!
Timestamps00:00 Intro00:58 Getting recognised01:52 Credit card strategies (Miles/Cashback)06:33 Keep up with credit card rewards07:43 Best credit card for dining08:11 Fear of people copying online content10:30 Debt management12:15 Struggle of getting your first house in Singapore21:16 Live in a HDB forever?23:10 Will Cooling Measures hold prices next year?25:48 Melvin's investment strategy30:16 Future plans of The Weeblings32:36 First YouTube Channel37:28 Advice for young content creators38:36 Candor Cards39:20 What does Aaron want more than anything?43:01 Sara's biggest choice that changed her life?45:35 Closing thoughts46:02 Outtakes
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In this episode of NOTG, Melvin Lim chats with The Weeblings about their content creation journey, which kicked off during COVID-19. Sarah and Aaron Wee talk about starting with multiple daily posts and eventually finding their groove with financial related content across TikTok, Instagram, and YouTube.
The Weeblings, known by their audience for their goal of a $1 million investment target, dive into what led them into the world of finance and their aim for financial freedom with $2.5 million each by 40—following the 4% rule. They break down their investment strategies, from Aaron’s army days dabbling in crypto and stocks to focusing on value investing and dividends. They also discuss how US monetary policies affect their decisions, particularly when it comes to property investments in Singapore.
Aaron and Sarah also shared how their family's run-ins with financial scams shaped their approach to money. And on the discussion of scams, they highlight the importance of ethical financial advice and the constant battle with fake social media accounts impersonating them. Stay tuned and see what these siblings have to say about finance!
Timestamps:
00:00 Intro00:56 Content scheduling05:54 Is the Weeblings just a side hustle?06:38 Journey to a million dollars09:13 First investment12:48 Advice to fresh graduates for investment14:12 Investing methodology18:08 Following US news21:10 Aaron is fascinated about numbers23:08 Singapore interest rates increase, property prices also increase24:56 The current situation of buying your first property26:18 How Sara manage her money27:28 Fear of money32:10 View of retirement33:11 Their parents got scammed38:38 Fake Weeblings Channel / Telegram scams40:58 Money growing up45:34 Pursuing content creation full-time49:08 Monitising the Weebling brand53:36 View on cryptocurrency55:54 Part 2 teaser56:25 Outtakes
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In this second part of the four seasons framework discussion, Jesley, Jun Wei, and Melvin Lim dive into the Spring season of property investment—a time when life starts to bloom with new opportunities. Today, we’re focusing on the personas of a typical Singaporean couple at age 33, who are making the big leap from a BTO flat to a condo. Jun Wei’s got some real-world experience here that makes this topic super relatable.
We’re also taking a closer look at the nuts and bolts of property investments. Jesley and Melvin break down the financial benefits of splitting your investments, and they even bring out PLB’s proprietary ROI calculator to show how you can maximise returns from rental income, manage expenses, and grow your capital gains. They use a real couple’s journey to show exactly how this plays out—because seeing the numbers in action makes all the difference.
To wrap it up, the team compares different investment strategies, digging into case studies that highlight the differences in rental yield and capital appreciation when you invest in one big condo versus two smaller ones. This is essential stuff for anyone thinking about upgrading their home, balancing the need for more space with the potential for better financial outcomes.
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NOTG Banter is back! Jesley and Jun Wei, Listing Managers at PropertyLimBrothers, joins Melvin Lim for an engaging discussion focusing on the four seasons framework for property investment, exploring how different stages of life impact investment strategies.
Seven buyer personas will be examined over the next six months, starting with Wayne and Joanne, a young couple navigating the complexities of their first property purchase. With a combined income of $8,000, they face the common fears and challenges that many first-time buyers experience, such as securing a BTO and dealing with conflicting advice. The team shares case studies and highlights alternative strategies, emphasising the importance of informed decision-making and future planning in property investment.
Stay tuned for more insights into the financial implications of various property decisions, “rentvesting”, and the strategic importance of layouts and the future competition between properties. They also discuss leveraging bank loans and clarify the legality and sensitivity of the 99-1 ownership scheme for asset progression.
(00:00:00) Intro(00:00:50) New Launch Convention Recap(00:02:04) 4 seasons of investing in property(00:07:58) Introduction of all personas(00:10:13) Introduction of Wayne & Joanne (Persona A - 1st Time Buyer)(00:16:24) Age 27+ / How long should you wait for a BTO attempt(00:18:51) Case study(00:26:47) "Showing of funds"(00:29:38) 99-1 ("Big Hoo-ha")(00:31:57) 99-1 Things NOT allowed(00:34:12) 99-1 What is allowed(00:35:23) Case study decision / "Rentvesting"(00:40:06) Couples with no kids splitting a property(00:43:22) What if there was no input of $700K?(00:47:15) Consider looking at ECs(00:47:50) What will condos compete on in the future?(00:48:59) Hundred Palms 3-Bedder efficient floorplan layout(00:57:17) Strategy for high-income earners below 35 years old(00:58:16) Persona B - HDB Upgrader Teaser(00:58:45) Outtakes
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Part 2 of Melvin Lim’s chat with Seth Wee from Sethisfy dives into the nitty-gritty of credit card rewards. He breaks down when to go for cashback or miles, explaining the financial logic behind each choice and how you can maximise your credit card benefits. Seth also tackles the opportunity cost of travel rewards and shares pro tips for getting the best bang for your buck.
But that’s not all—Seth reveals some savvy credit card hacks, like manufactured spending and using intermediary services to supercharge your rewards. He opens up about balancing a full-time job with a side hustle in credit card content creation, giving insights into time management and how to monetise your skills. Plus, he gives advice for young professionals on holistic financial planning and smart investing.
Seth also looks to the future, sharing his thoughts on the role of AI and tech advancements. He talks about AI potentially surpassing human intelligence and its current use in recommending credit cards, while stressing that human expertise is still crucial for the best advice. All these and more on this concluding episode of NOTG with Seth from Sethisfy!(00:00:00) Intro(00:00:38) Against credit cards(00:02:18) Ways to monitor all your credit cards(00:03:33) Does the amount of credit cards affect credit rating?(00:05:15) Credit card strategies(00:06:10) Miles or Cashback(00:10:06) Not paying for your next flight(00:10:16) Selling off your miles(00:11:31) Credit card hacks / manufactured spending(00:15:55) Managing credit cards(00:17:35) Promos and deals(00:18:50) Sethisfy telegram channel(00:19:46) Monitising Sethisfy YouTube channel(00:20:13) Day job(00:23:21) Advice for fresh graduates(00:25:22) Becoming a content creator(00:26:19) 5 years plan(00:27:19) Other investments(00:29:41) Mentors(00:31:01) Future of AI(00:34:04) Closing thoughts(00:34:41) Outtakes
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This week on NOTG, Melvin Lim, Co-Founder & CEO of PropertyLimBrothers, chats with Seth Wee from Sethisfy. Seth shares his journey from telemarketer to financial advisor, focusing on how his fee-only model eliminates commission-based conflicts and ensures unbiased advice.
Seth highlights how his expertise in financial planning complements his personal finance YouTube channel. He provides valuable insights into optimising credit card usage, discussing the best credit cards for cashback and miles, and the importance of staying updated on new offers.
Seth also shares lessons from his business ventures, including the significance of choosing the right partners and having clear dispute resolution mechanisms. His experience and advice make for a compelling and informative episode.
(00:00:00) Intro(00:00:40) Education background(00:03:18 Self-employed parents(00:04:17) Sethisfy(00:05:24) Being an insurance agent(00:17:06) Start of Sethisfy Youtube Channel(00:18:00) Commissions of Insurance / Tuition business(00:25:10) Tuition business status(00:28:09) Optimal number of share holders(00:29:42) First blog(00:30:31) Why sign up for a credit card(00:32:00) Best credit cards to get in 2024(00:34:34) Part 2 Teaser(00:34:45) Outtakes
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If you’re into financial related content, you might have come across our next guest!
In this episode of NOTG, Melvin Lim speaks to Josh Tan, founder ofThe Astute Parent. Josh shares his journey from starting his YouTube channel in 2015 to becoming a trusted financial advisor. He discusses overcoming self-doubt, scaling his brand, and the importance of consistency in achieving long-term goals.
Josh elaborates on his distinctive route in financial planning, which began during his undergraduate years and led him to choose a self-employed path. Over time, his focus evolved from basic savings and insurance plans to comprehensive retirement planning, highlighting the importance of aligning one’s online presence with their area of expertise and maintaining consistency in social media messaging.
Find out more about Josh strategies on managing financial stages, as he shares advice, case studies and lessons from his (failed) entrepreneurial journey, on this episode of NOTG!
Timestamps:00:00 Intro00:48 YouTube Channel Journey02:44 Financial Planning Journey04:42 First niche08:40 Mid 20s financial advice12:54 Seasons of life16:17 Approaching retirement20:24 Is their a formula for retirement?22:09 Good habits23:34 Insurance recommendations28:24 Life insurance for kids30:17 Life or Term?32:36 Allocating your cash for Insurance, Investing, Savings, ETC...35:13 Consuming Policies37:07 Residential loan to retirement38:43 Inheriting a big property41:07 Are you too optimistic on real estate?46:12 Sharing personal journey online50:40 Planning your inheritance54:41 Paying off your outstanding debt with your inheritance01:00:00 Remembering cases of customers01:01:28 Current company01:02:17 PromiseLand01:02:24 Why TheAstuteParent?01:06:06 Ice cream business mistakes01:13:58 Meaning of money?01:18:05 The next step01:19:09 Advice for parents01:20:37 Tax planning and stocks01:23:50 What professional skill are you currently working on?01:25:12 What title would you give this chapter in your life?01:26:56 Work life balance01:33:36 Outtakes
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Welcome back to NOTG whiteboard sessions with Melvin Lim from PropertyLimBrothers! In this episode, Melvin discusses why new launch buyers prefer fresh projects, introducing the 4 seasons (spring, summer, autumn, winter) concept in relation to land acquisition and the 5-year property cycle. He explains how these cycles impact pricing and investment decisions, providing valuable insights for timing your property investments.
The session highlights the median PSF of non-landed private new sales by region, showing significant price increases and the effects of past en bloc projects. Melvin covers our government’s controlled release of land to manage property prices and discusses the ownership distribution of private properties, emphasising the niche market for condos and apartments. He also explains how cooling measures like SSD and the revised ABSD have increased the average holding period of properties, stabilising the market and reducing quick sales.
Curious about the future of property prices? Wondering how the decline in en bloc projects and new charges affect the market? Interested in why developers prefer GLS for its cleaner process? Melvin answers these questions and more!
Timestamps:00:00 Intro00:44 New whiteboard01:11 Whiteboard Session Recap01:40 4 seasons of land acquisition & 5 year cycle04:36 New Launch sales by region05:18 Era of HUDC en block projects06:36 PSF surged to +$400 PSF in 202407:18 Non-Landed supply09:53 Non-Landed ownership distribution10:49 Non-Landed supply changes year-to-year11:14 En blocs are at an all-time low.12:01 Average holding period13:07 Stable supply13:37 +$400 PSF every 5 years16:52 Applying the 4 seasons to the 5-years cycle18:04 Seasons of where to expect new PSF benchmark19:36 Preparation for each season20:16 Summary21:11 Outtakes
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Join Melvin Lim, Co-founder and CEO of PropertyLimBrothers, as he catches up Dawn Fiona, a.k.a SG Budget Babe! Dawn shares her journey of financial empowerment, having saved $20,000 in just one year on a modest ~$2,000 take-home monthly salary through disciplined savings strategies, not investments.
What began in 2014 as a blog born out of boredom evolved into a platform focusing on finance, driven by Dawn's passion for writing and client engagement.Despite juggling roles, including teaching tuition to supplement income and covering parental allowances and insurance, Dawn found joy in educating others, viewing it as a passion rather than merely a means to an end.
In 2022, she transitioned focus to a new business venture, balancing entrepreneurial pursuits with family responsibilities, including teaching tuition even through pregnancy. Dawn's insights on financial literacy for fresh graduates, emphasising debt clearance, emergency savings, and insurance planning, provide valuable guidance for navigating early adulthood challenges. Find out more about what drives and keeps SG Budget Babe driven, on this special episode of NOTG!
Timestamps:00:00 Intro00:33 Start of blogging04:33 Side hustle mindset07:18 Fiona Dawn Cher fitness journey turn into business opportunity10:01 Teaching at home / Falling down the overhead bridge11:47 First finance article went viral13:13 Fresh graduate financial advice (Importance of insurance)14:15 Insurance to get18:27 Cut down debts as fast as possible19:40 Seasons of life29:14 Risk of retrenchment33:33 Will AI replace jobs?37:36 AI Investing39:11 Budgeting in the 20s42:09 Risk of Cryptocurrency42:58 Allocated budget for investing45:25 Knowledge of investing51:58 Checklist before investing55:22 Time analysing stocks / Fear of investing01:01:43 Time to sell a stock01:05:55 Meaning of money01:14:21 Meaning of money in your 40s01:17:08 Dealing with retrenchment01:20:53 Retire at 4501:24:43 Top three books01:28:17 Personal Growth from teaching and writing01:29:50 Work-life balance
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Yu Rong, Jesley, and Marc from PropertyLimBrothers discuss the current issue of new launch prices being too high, and have sales have remained strong in spite of the high prices. They examine how bank valuations and market forces interact to determine these prices—Jesley describing this interaction as a potential flaw—stressing the importance of informed investment decisions and a deep understanding of market dynamics.
The team explains the difference between momentum and value investing in real estate. They emphasise the need to ensure new launches have the potential for price appreciation and discuss factors influencing momentum in the property market. They also discuss how different unit types and views (e.g., lake-facing) affect pricing and demand, highlighting the significance of unique architectural features and facilities in driving interest and creating a strong market presence. For more exciting insights, stay tuned to this new launch-focused episode of NOTG!
Ever considered investing in a new launch but hesitated, afraid of making the wrong choice or feeling overwhelmed by the options? Analyse over 80 projects in just 10 hours at the PLB New Launch Convention 2024 on July 7th, from 10 am to 8 pm @ Suntec City Convention Centre, Hall 404! Get ready for a day packed with 10 speaking sessions, including 6 frameworks shared by industry experts from PropertyLimBrothers, who will provide exclusive PLB frameworks for choosing the right projects.
Tickets are still available! Sign up here: bit.ly/plbnlc24.
Timestamps:00:00 Intro03:56 New Launch Convention Sharing07:46 New launches are too expensive?12:14 Momentum Investing14:39 Dairy Farm Residences first launch, not much sales18:14 64 new launches in 1 year21:20 Only new launches will make money?24:24 Resale vs New Launch buying behaviour28:50 This two are 100% guaranteed profitable30:46 Continuing Professional Development (CPD)31:46 2018 Cooling Measure, 11PM announcement35:23 Indicators of when developers will drop prices38:10 Buying the wrong unit by mistake40:05 Feng shui43:16 Floor levels in condos are not important44:20 Sora 80% lake view, which floor level would you select? (Tree Analysis)50:27 One stack, same price (Reverse FOMO Effect)52:25 Purpose of your purchase / Yu Rong is a Value Baller54:45 Facing can give you a 10% to 15% price difference56:50 Choosing the right facing01:03:13 Benchmark PSF01:04:52 Proper floor plans efficiency01:09:15 Selecting the right unit01:13:47 MRT impact to new launches01:17:25 Are MRTs really that important for new projects?01:20:20 "I don't want to be near MRT"01:24:30 Projects to keep a look out01:33:16 Outtakes
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