Evelyn's thoughts
Evelyn's thoughts
  • 28
  • 158 446
High interest rate! Should you use Cash or CPF for home loan?
Amidst all the high interest rate environment, while most of us are benefiting from the higher interest rate in our savings accounts/fixed deposits/SSB/T-bills, home owners that are taking home loan from the bank would feel the pain of the higher interest rates.
In this video, I will be sharing should we use cash or CPF to pay our home loan amidst this high interest rate environment.
Переглядів: 516

Відео

Mahjong TIPS for Beginners
Переглядів 9 тис.Рік тому
Check out this video if you would like to find out Mahjong tips that focus on end game offensive strategy. 3 ways to increase your chance of winning Mahjong for BEGINNERS: ua-cam.com/video/iGSQHSnXUbE/v-deo.html
How much does it cost to buy a car in Singapore?
Переглядів 328Рік тому
Want to buy a car in Singapore? The price of buying one is mind-blowing. Check out this video to find out how the cheapest car in Singapore would cost you around S$116K. Note that this is JUST the PURCHASE PRICE without factoring in the usage & maintenance of the car. Leave a comment below and share with me if you are still buying a first hand car in Singapore after watching this video.
OCBC 360 account VS invest in T-bills, fixed deposits or SSB
Переглядів 1,5 тис.Рік тому
In this high interest rate environment, many low risk investment products are offering record high interest rates. The local bank OCBC is taking their 360 savings account rates to new heights as well. Amid so many attractive rates, should you leave your money with the bank or should you invest in other products? Check out the video to find out how can we evaluate which one would be the best opt...
Mahjong Defensive Strategy for BEGINNERS | "1-4-7" Explained !
Переглядів 35 тис.Рік тому
Have you ever wondered how can we increase the chance of winning in mahjong game? Well, defending against other players is important and may increase your chance of winning. One of the famous defending strategies in Mahjong for the beginners is the "1-4-7" rule which will be explained in this video. Watch on to find out how this rule works.
How to apply SSB? | Step-by-step guide | CDP account application
Переглядів 719Рік тому
This video is a step-by-step guide of applying SSB. Before you can apply for SSB, you will need a CDP Securities Account as well. If you do not have a CDP account, do check out this video as there will be steps on that too. Link to apply CDP Securities Account: investors.sgx.com/cdp-account-opening#/form-selection 0:00 Introduction 00:42 How to apply CDP account 02:29 CDP Direct Crediting Servi...
Should you invest in Fixed deposits and SSBs?
Переглядів 2,4 тис.Рік тому
High inflation and rising interest rates are one of the few hottest topics in 2022. With the rising interest rates, Fixed deposits and Singapore Savings Bonds (SSBs) are looking attractive again. Singapore bank customers are enduring hours-long waits as they race to lock in the highest interest rates on fixed deposits since the end of the Asian financial crisis almost 24 years ago. Are they rea...
How to increase wealth
Переглядів 2702 роки тому
Is reducing expenses the key in saving more money? Well, the wealthy people would focus on earning. Check out this video to find out why and how to increase wealth.
What you don't know about topping up your CPF Special Account
Переглядів 1,7 тис.2 роки тому
You may have heard a lot about the benefits of topping up your CPF SA account. While the benefits may be very attractive, in this video I will be sharing on some terms & conditions that most people are not aware of. Do you know that top-up monies cannot be used to form part of the BRS in computing how much RA savings that can be withdrawn through sufficient CPF property charge or pledge? Do che...
Dollar Cost Averaging | Investment Strategy
Переглядів 1432 роки тому
Is Dollar Cost Averaging the best investment strategy? Check out this video to know what exactly is Dollar Cost Averaging and find out its pros and cons.
3 ways to increase your chance of winning Mahjong for BEGINNERS
Переглядів 56 тис.2 роки тому
Mahjong is a game of luck. However, acquiring some skills can help increase your chance of winning. In this video, I will be sharing 3 basic tips for beginners that could help you to increase the chance of success.
3 Things to do before you start investing | Investment guide for beginners
Переглядів 1972 роки тому
Its always important to plan before you start on anything. This is the same for investing. I will be sharing the key considerations before you start investing in this video. Do check out this video before you rush into investing your hard earned money.
7 Ways to reduce income tax
Переглядів 4622 роки тому
Want to reduce your tax legally? Watch this video to find out the ways to reduce income tax. Despite the various ways of reducing tax, do always keep in mind that there is an income tax relief ceiling of $80,000, which is the maximum relief possible to obtain in the same Y/A. Changes for CPF Top-up (wef 1 Jan 2022): From 1 January 2022, members can enjoy $8,000 tax relief, up from $7,000, when ...
Understanding basic tax assessment | Personal Income Tax Singapore
Переглядів 5022 роки тому
Not sure how tax are computed? If you are unsure how to interpret some of the tax terms on the tax bill, do check out this video.
Should you use HDB loan or Bank loan for HDB flat?
Переглядів 1,5 тис.2 роки тому
If you are buying a HDB flat and would like to take out a loan, you will be given 2 options. To take out a loan from HDB or from the Bank. Check out this video if you want to understand what are the main differences between these two types of loan so that you can choose the one that suits you best. Monthly Instalment Calculator: www.cpf.gov.sg/esvc/web/schemes/monthlyinstallment/monthlyinstallm...
Investment guide for beginners | Types of investment products
Переглядів 2852 роки тому
Investment guide for beginners | Types of investment products
How is CPF accrued interest calculated? | Using OA for Housing
Переглядів 2,2 тис.2 роки тому
How is CPF accrued interest calculated? | Using OA for Housing
4 Things to know before using CPF for housing
Переглядів 1,7 тис.2 роки тому
4 Things to know before using CPF for housing
Should you TOP-UP MA or SA?
Переглядів 4,9 тис.2 роки тому
Should you TOP-UP MA or SA?
Should you TOP-UP your CPF account?
Переглядів 9 тис.2 роки тому
Should you TOP-UP your CPF account?
Factors that could affect share prices
Переглядів 2222 роки тому
Factors that could affect share prices
Retirement account with CPF LIFE ? | Pros & Cons
Переглядів 21 тис.2 роки тому
Retirement account with CPF LIFE ? | Pros & Cons
Things to know before making voluntary contribution to CPF for tax relief
Переглядів 6 тис.2 роки тому
Things to know before making voluntary contribution to CPF for tax relief
Cash vs accrual accounting
Переглядів 873 роки тому
Cash vs accrual accounting
Should you make SRS contribution?
Переглядів 1,8 тис.3 роки тому
Should you make SRS contribution?
Journal Entries | Debits & Credits Explained | Basic Accounting
Переглядів 483 роки тому
Journal Entries | Debits & Credits Explained | Basic Accounting
Introduction to Basic Accounting & Financial Statements in 10 MINS!
Переглядів 923 роки тому
Introduction to Basic Accounting & Financial Statements in 10 MINS!
Bank Reconciliation Explained | Basic Accounting
Переглядів 703 роки тому
Bank Reconciliation Explained | Basic Accounting

КОМЕНТАРІ

  • @TheOriginalJohnDoe
    @TheOriginalJohnDoe Місяць тому

    1:27 Your statistics are wrong. I know what you want to express here but it’s obvious not 100% probability because there are many other tiles, but there is of course a higher chance of getting one of the four tiles if all of them haven’t been drawn yet. Furthermore, it also depends on the deck size as well. Having 50 tiles left with 4 tiles is still a higher probability than 1 tile left with 20 tiles. Therefore, in the former situation it’d be wise to NOT discard while in the latter it is wise to discard.

  • @zerokitty
    @zerokitty Місяць тому

    incredible advice love your videos! ty

  • @justmeeagainn
    @justmeeagainn 3 місяці тому

    Could you possibly do a series of videos where you say the Chinese name of every tile?

  • @Tassooow
    @Tassooow 3 місяці тому

    thank you. I learned to play last year with the Yakuza 0 game and I am still weak. this helped

  • @Yishai-dl9fr
    @Yishai-dl9fr 4 місяці тому

    I love ❤️ you Asia always do

  • @SirMorganD
    @SirMorganD 5 місяців тому

    Very good video! tip 3 really helped!

  • @jiakai7254
    @jiakai7254 5 місяців тому

    i can have 489 and throw 4 so in this case 7 is not safe to throw right?

  • @111michiel
    @111michiel 6 місяців тому

    Thank you, very clear!

  • @melaniekayrell2258
    @melaniekayrell2258 6 місяців тому

    I’m a new player and this is very helpful. Thank you!

  • @vanLT
    @vanLT 7 місяців тому

    good lesson, i learn this by my experience. .

  • @mariofluffy219
    @mariofluffy219 7 місяців тому

    Thank you for the video! Im playing online Mahjong and it has a ranked mode that I got stuck in pretty early on, im gonna try these strategies and see if I can improve my rank.

  • @NeroppHeWio
    @NeroppHeWio 7 місяців тому

    Hy

  • @striknred2
    @striknred2 8 місяців тому

    thank you!

  • @winstontoh6346
    @winstontoh6346 9 місяців тому

    Comparing between the Standard Plan and Basic Plan, I feel that the Basic Plan is the fairer plan at age 80 (as you still retain more than 50 percent of your RA value at age 65 due to the accumulated interest earn + principal) whereas the Standard Plan has no more CPF money left over for your loved ones should you pass on at age 80 (as the RA is paid for the insurance Premium which forego the right to earn any interest and any earned interest is pooled in an Annuity Pool to pay other people who live long long). At least if I conk off at that age 80, I can still pass on more than 50 percent of my CPF RA value at age 65 to my loved ones!

  • @JuliaKerr-e1o
    @JuliaKerr-e1o 10 місяців тому

    Evelyn, I am just beginning to learn mahjong, and your videos are really helpful! Can you make one that talks about how to strategize around making sure you have Yaku? I have been playing with an online game called Mahjong Soul, which I know is Riichi style mahjong. Can you recommend other ways or websites for beginners? Thank you.

  • @aaroncmeinero
    @aaroncmeinero 11 місяців тому

    Interesting, Thank you !

  • @SeaDivaMusicChannel
    @SeaDivaMusicChannel Рік тому

    try to throw the terminal away isn't a very great move, consider most of strong sets or yakumans consist of terminals and honors

  • @soochenwoo2373
    @soochenwoo2373 Рік тому

    Only something kept nagging me is the pool portion. Interest is paid on the premiums. Said interest goes into the pool but does the pool attract interest or just becomes a reserve to pay members who survive after consuming the premium portion? If you check MOH reports, part of premium from MSL goes into reserve but does not attract interest.

  • @randomduck145
    @randomduck145 Рік тому

    Additional note, if the 1 and 7 are discarded, the 4 will also be made safe as the 1 rules out the possibility of a 2-3 and the 7 rules out the possibility of a 5-6

  • @FreddyAlfonso
    @FreddyAlfonso Рік тому

    Will cpf ask me about 1-2 months before my 65 aged to decide which CPF LIFE plan to opt for?

    • @evelynthoughts
      @evelynthoughts Рік тому

      You will be informed before you turn 65 whether you will be automatically included in CPF LIFE. Check out the CPF link for more info : www.cpf.gov.sg/member/faq/retirement-income/monthly-payouts/what-is-the-latest-age-to-join-cpf-life

  • @lowyewngoh5953
    @lowyewngoh5953 Рік тому

    If you are on RSS, the payout is higher than if you are on CPF Life. Even if you pass on prematurely, your benefiary will receive every single cent from your RSS, that is principal + interest. Under CPF Life, your beneficiary will receive only the principal.

  • @5-042
    @5-042 Рік тому

    If I have 1124 I will throw 4 to bait 上家 throw 1 or 3 ,you need to consider that depending on your opponent’s strategy of playing

  • @JoeOklahoma
    @JoeOklahoma Рік тому

    Helpful video! Easy to understand. Thank you.

  • @marichiu1808
    @marichiu1808 Рік тому

    Evelyn - you should have written description of strategy for your readers to follow. Your explanation is in English and Chinese at the same time.

    • @jaypremium9605
      @jaypremium9605 Рік тому

      I don’t speak mandarin or Cantonese or any other Chinese language and I understood it. I think she’s just saying the tiles in Chinese but it is well understood when we’re looking at the visuals.

    • @evelynthoughts
      @evelynthoughts Рік тому

      Thank you for your feedback. Will keep that in mind in future video :)

  • @judysbakeryandtestkitchen1654

    Im guessing This isn’t American mahjong?

    • @evelynthoughts
      @evelynthoughts Рік тому

      This is Hongkong/Chinese mahjong

    • @judysbakeryandtestkitchen1654
      @judysbakeryandtestkitchen1654 Рік тому

      @@evelynthoughts thank you. No wonder I didn’t understand, lol

    • @marichiu1808
      @marichiu1808 Рік тому

      @@judysbakeryandtestkitchen1654 I guess you can also see they don't use the card to compare the tiles. Funny.

  • @allenchoo6756
    @allenchoo6756 Рік тому

    I am looking for players for standby We do not play money . Only last 2 treats first 2 .

  • @kunyi1724
    @kunyi1724 Рік тому

    Able to breakdown how much to own BTO/ new house

    • @evelynthoughts
      @evelynthoughts Рік тому

      Hi, thank you for your suggestion, will take that into consideration for my upcoming content.

  • @VamboraSingapore
    @VamboraSingapore Рік тому

    It's only "unfair" if one doesn't factor how important the general society's retirement sustainability financially and just focusing on self interests

  • @thaocami657
    @thaocami657 Рік тому

    thankyou for the video :D i learn a lot

  • @Bobbythewrecker
    @Bobbythewrecker Рік тому

    Just a quick question. Why is 147 safe? If the opponent throws 4 he may want a 678. Or is this strategy with the caveat that they would not want a ka long and wait for the middle tile?

    • @Aegisdottir
      @Aegisdottir Рік тому

      It means that if he throws 4, 7 is 'safer' for you to discard because he doesnt have 5 and 6. Of course he might still have 6 and 8, but very unlikely because waiting for middle tiles is considered more risky

    • @evelynthoughts
      @evelynthoughts Рік тому

      Thanks Alica. Indeed, this strategy is "good-to-know" to increase your odds of winning instead of 100% guaranteed win.

  • @sifatguai1252
    @sifatguai1252 Рік тому

    Thanks for the video! This is gonna be useful for Chinese new year 😏

  • @jacktitanic6960
    @jacktitanic6960 Рік тому

    To me not all will live to 65....if possible i will withdrawl as much as possible when i turn 55.The rest is history !!!!

    • @evelynthoughts
      @evelynthoughts Рік тому

      Yeah. Withdraw first, at least get to spend it all by ourselves! Or save, invest, whichever we like.

  • @skoopqueen
    @skoopqueen Рік тому

    I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this.

    • @eadad4371
      @eadad4371 Рік тому

      Not quite long I started investing. I'm very curious and need help on how to enhance and increase my returns. Any good investment tips would be appreciated

    • @skoopqueen.
      @skoopqueen. Рік тому

      @@eadad4371 Alright so generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with (REGINA LOUISE COLLARO) an investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She is quite popular for her services so you might have heard of her. She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy...So I’ll advise you do get a good Investment advisor for yourself.

    • @eadad4371
      @eadad4371 Рік тому

      @@skoopqueen. That’s great , your investment advisor must be really good,I have seen testimonies of people using the help of investment advisors in making them more financial stable. Do you mind sharing more info on this person?

    • @skoopqueen.
      @skoopqueen. Рік тому

      @@eadad4371 look her up on the internet and leave her a message she's quite popular for her services as she was recently featured on cnn. She can work with anyone irrespective of where their located

    • @emeldcentor1474
      @emeldcentor1474 Рік тому

      @@skoopqueen. I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me .

  • @gurpalsk
    @gurpalsk Рік тому

    This is a really good breakdown. As a car owner in singapore, we don't think so much. Thanks for sharing

  • @bernardtan7068
    @bernardtan7068 Рік тому

    It sounds very good that it will continue to pay you beyond 80 years old. But is there a.back door clause for CPF.or govt to change the rule so that they don't have to continue paying you in the future if they somehow reason that they don'thave enough fund in the pool to continue payingthe rest of surviving members?

    • @evelynthoughts
      @evelynthoughts Рік тому

      Good question. Even if there is a change, I think it would apply prospectively. So once we are enrolled into the plan, I don't think there will be drastic changes. - Just my two cents.

    • @keithlee8511
      @keithlee8511 Рік тому

      The dollar amount in CPF LIFE monthly payouts may be adjusted if CPF calculates the annuity pool does not have enough funds to cover more surviving members.

  • @leeks87
    @leeks87 Рік тому

    Video ~ 5.40 SSB : $1000 Interest rate: 2.75% Average interest rate per yr: $275??? The correct figure should be $27.50

    • @evelynthoughts
      @evelynthoughts Рік тому

      Hey, thanks for pointing out. Pardon my typo. Cheers

  • @cazpk6840
    @cazpk6840 Рік тому

    Very helpful - thank you.

  • @jonathanchua2559
    @jonathanchua2559 Рік тому

    Thanks! This has so far indeed increased my winning rate 👍🏻

  • @jonathanzhuang216
    @jonathanzhuang216 Рік тому

    麻将🀄️

  • @jamesw7399
    @jamesw7399 Рік тому

    Interesting way of thinking! hope this increases my chance of winning :D

  • @zackcat108
    @zackcat108 Рік тому

    let me explain the last srat for u guys that did not understand she/he means that when u are about win,you need to keep the cards that the opponents prop dont want and most likely to discard like the cards that are already thrown out or the common cards like yi tong

  • @kathydavies4589
    @kathydavies4589 Рік тому

    What is zimo in mahjong?

    • @evelynthoughts
      @evelynthoughts Рік тому

      Zimo means your last winning tile is drawn by yourself instead of others discarding that tile.

    • @dAmiNatus
      @dAmiNatus Рік тому

      @@evelynthoughts ain't that tsumo?

    • @IronHorse1854
      @IronHorse1854 Рік тому

      @@dAmiNatus In riichi mahjong it is tsumo, because riichi is the Japanese variant of mahjong. Tsumo is just the Japanese way of saying zimo. In Japanese, there is no way to write "zi", it's not a sound that exists in Japanese, so they use tsu instead of zi as it is the closest to the same sound. There are several variants of mahjong, riichi, hong kong, and standard Chinese mahjong are the most popular. There is even a relatively recently created variant of mahjong called Red Mahjong which is playable with only 2 players.

    • @evelynthoughts
      @evelynthoughts Рік тому

      @@IronHorse1854 Thank you for the explanation. Cheers!

  • @markkoh9990
    @markkoh9990 Рік тому

    Thank you.

  • @markkoh9990
    @markkoh9990 Рік тому

    Very good presentation. Thank you.

  • @jamesw7399
    @jamesw7399 Рік тому

    Thanks for the info and comparisons ~!

  • @andrewgoh7556
    @andrewgoh7556 2 роки тому

    When comparing CPF Life and RSS(old scheme), I will prefer RSS better. For RSS, At 65, $145,200, using just 4% to calculate, it will take slightly more than 23 year to deplete. Meaning RSS payout will least until 88 years old. Therefore under CPF Life, if the person does not live longer than 88 years old, the person actually lose out. Secondly If the person die at 80 years old, under CPF LIFE, there is no money left to for beneficiary. Under RSS, there will be remaining balance(since it last until 88 years old) to give to beneficiary.

  • @raphaelalwayslearning
    @raphaelalwayslearning 2 роки тому

    I think you should factor in the other living costs first before putting that he or she can be able to topup 7k.

    • @evelynthoughts
      @evelynthoughts 2 роки тому

      Thanks for the suggestion. Possible guideline for "Extra cash" = After setting aside your emergency funds, estimate living costs/instalments obligations for a few months.

  • @bryanttan8401
    @bryanttan8401 2 роки тому

    Hi, can u verify the withdrawal limit from ur presentation? Becoz from cpf website, it is written that anything above FRS will be withdrawable.

    • @evelynthoughts
      @evelynthoughts Рік тому

      Hi, we are able to withdraw excess money above FRS but do note that the excess money that can be withdrawn excludes top-up monies, interest earned and any government grants received. Below is a hypothetical example: Assuming Bob is a freelancer and made no compulsory contribution to OA & SA. Total voluntary top up made to SA = $192k FRS in 2022 = $192k (2022) SA balance at age 55 in 2022 = $240k (incl. interest) Total amount that can be withdrawn = $0 (All the monies in SA are top-up monies & interest earned on it hence cannot be withdrawn) Hope this clarifies! Check out CPF website: www.cpf.gov.sg/member/faq/growing-your-savings/retirement-sum-topping-up-scheme/i-have-made-top-ups-to-my-special-account-before-55--what-will-h

  • @MsCorydorus
    @MsCorydorus 2 роки тому

    I heard CPF Life is the best annuity out there. Dislike it means you are not interested in any private annuity ? Like to hear your thoughts.

    • @evelynthoughts
      @evelynthoughts 2 роки тому

      You are right, I am not interested in any private annuity. Personally, I prefer having the flexibility to spend my retirement monies. Hence, I would prefer to invest my monies in diversified investments. However, I do agree with you that CPF Life could be one of the best annuity out there for people who wants diversification, assurance or are not confident of their financial discipline.

  • @lorhun54
    @lorhun54 2 роки тому

    At first, I also was not clear on 3rd strategy. I listened again. The third strategy is different than her first two strategies, because her third is advising what tiles are easiest to collect, as in picking-to-KEEP in your hand -instead of advising what tiles NOT to include (like the first and second strategies do).

    • @lorhun54
      @lorhun54 2 роки тому

      So, although it may contradict the first two strategies it is an interesting consideration because as she says -it is a reverse psychology’! Ma Jongg is multi layered and always interesting!

    • @evelynthoughts
      @evelynthoughts 2 роки тому

      @@lorhun54 Agree. Mahjong is never an easy game especially because every opponent has different style/strategy.

    • @Destroytion
      @Destroytion 6 місяців тому

      usually the distinction is just early game and late game