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  • Who will make decisions about your personal welfare or finances if you lose mental capacity? On this episode, host Lee Kim Siang talks to lawyer Stefanie Yuen Thio about the vital importance of setting up a Lasting Power of Attorney.

    Highlights of the conversation:

    01:41 What is a Lasting Power of Attorney (LPA)?

    02:34 Why LPA is important for everyone

    07:16 How LPA fits into estate planning

    10:19 LPA Disputes within the family

    ---

    Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to [email protected]. We’ll look into it for future episodes.

    ---

    Hosted by: Lee Kim Siang ([email protected])

    With Stefanie Yuen Thio, joint managing partner, TSMP Law Corporation

    Edited by: Emily Liu & Claressa Monteiro

    Produced by: Emily Liu

    Engineered by: Joann Chai Pei Chieh

    A podcast by BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:

    Channel: bt.sg/btmoneyhacks

    Amazon: bt.sg/mham

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    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

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    BT Market Focus at: bt.sg/btmktfocus

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  • Bitcoin is having a major comeback this year. Not only have prices more than doubled, there are now funds tracking the cryptocurrency in the US stock exchanges. But some are worried this could be the beginning of another bubble.

    Are we looking at another Bitcoin bubble, or is the cryptocurrency here to stay? Lee Kim Siang sits down with Coinhako’s Kelvin See for insights.

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    02:37 Bitcoin’s recent surge

    03:51 What are Bitcoin ETFs?

    07:02 What is Bitcoin halving?

    10:16 Pros and cons of investing in bitcoin

    13:59 Is it a good time to invest in bitcoin?

    ---

    Now, we want to hear from you! Send us your questions, thoughts, story ideas, and feedback to [email protected]. We’ll look into it for future episodes.

    ---

    Hosted by: Lee Kim Siang ([email protected])

    With Kelvin See, head of trading, Coinhako

    Edited by: Emily Liu & Claressa Monteiro

    Produced by: Emily Liu

    Engineered by: Joann Chai Pei Chieh

    A podcast by BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

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  • Watches are one of the most popular buys for wealthy Singaporeans. If you’ve seen one up close, you can see why they’re such beloved works of art. But can they pull their weight as investments?

    BT’s Lee Kim Siang sits down with Nick Lim, director of second-hand dealer Chuan Watch to get to the bottom of this.

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:37 Pros and cons of watches as investment

    02:58 How to evaluate a watch

    05:59 Factors that influence the price of a watch

    06:35 The Covid luxury watch boom and bust

    Hosted by: Lee Kim Siang ([email protected])

    With Nick Lim, director, Chuan Watch

    Edited by: Emily Liu & Claressa Monteiro

    Produced by: Emily Liu

    Engineered by: Joann Chai Pei Chieh

    A podcast by BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

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  • You know how it goes: It’s been a long, stressful week. On a whim, you decide to treat yourself to a massage. Your partner gets salty. A fight ensues. How do you avoid this? Lee Kim Siang hears from one couple who’s figured it out.

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:22 Planning for big ticket purchases

    04:09 Balance financial, emotional and physical responsibilities

    07:24 Financial support for your in-laws

    08:58 Budgeting as a couple

    13:37 Treat your partner like a boss

    Hosted by: Lee Kim Siang ([email protected])

    With Angela Teng, editorial director of The Simple Sum; and her husband Isaac Tan

    Edited by: Emily Liu & Claressa Monteiro

    Produced by: Emily Liu

    Engineered by: Joann Chai Pei Chieh

    A podcast by BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • Layoffs seem to be happening left and right. What rights do Singaporean employees have in the face of retrenchment? How can you dispute your severance package? Lee Kim Siang finds out.

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    02:13 Singapore’s employment law provides limited protections for retrenchment

    07:51 How Lazada fumbled their latest round of layoffs

    12:01 How to negotiate your exit package

    15:45 How to dispute your retrenchment

    Hosted by: Lee Kim Siang ([email protected])

    With Amarjit Kaur, head of employment law, Withers KhattarWong; and Wong Siqi, content creator

    Edited by: Emily Liu & Claressa Monteiro

    Produced by: Emily Liu

    Engineered by: Joann Chai Pei Chieh

    A podcast by BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • It’s that time of the year again, where time-honoured tradition lines our red packets (and pockets) with cash. What’s the best way to make the most of our ang-bao money? Howie Lim finds out.

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    03:08 Importance of planning your finances

    04:16 Saving is not sufficient

    05:37 Understanding your needs versus wants

    06:49 Step-by-Step guide to using your ang-bao money

    07:46 Saving, spending and investing have to coexist

    09:41 Where to start investing for a beginner

    Hosted by: Howie Lim ([email protected])

    With Mey Wong, head of client experience at StashAway

    Edited by: Claressa Monteiro

    Produced by: Emily Liu

    Engineered by: Joann Chai Pei Chieh

    A podcast by BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • These are trying times and all eyes are on Budget 2024, especially since rumours abound that it could be an ‘election Budget’. Howie Lim finds out what various industry experts think.

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    02:26 New tax incentives for corporates

    05:31 To boost sustainability efforts

    06:16 GE and elevated cost of living

    08:12 Have Budgets done enough already?

    10:31 What if wish lists don’t materialise?

    Written and hosted by: Howie Lim ([email protected])

    With Tan Wen Wei, analyst, Asia at EIU; Gene Kwee, partner, head of tax APAC at Mazars; and Yong Jiahao, partner, IGH & manufacturing, tax, KPMG in Singapore

    Edited by: Howie Lim & Claressa Monteiro

    Produced by: Howie Lim & Emily Liu

    Engineered by: Joann Chai Pei Chieh

    A podcast by BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • A trend in 2024 could be institutional players showing a keen interest in issuing their own stablecoins. And it’s a move that has been welcomed by the digital asset sector.

    Howie Lim gets insights from Gerald Goh, co-founder and CEO Singapore of Sygnum

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:06 What exactly is a stablecoin

    03:20 Stablecoins’ role in the larger ecosystem

    06:37 Stablecoin market expanding

    09:19 The growing need for regulation

    12:43 Should investors look into stablecoins?

    Written and hosted by: Howie Lim ([email protected])

    With Gerald Goh, co-founder and CEO Singapore of Sygnum

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    A podcast by BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • How will the markets be in 2024 and where should we park our money in order for the markets to treat us well?

    Howie Lim gets insights from Hugh Chung from Endowus, Phil Waters from OANDA and Daniel Peris from Federated Hermes.

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:03 Implications of the Fed's recent pause in rate hikes

    07:12 How retail investors should position themselves

    09:32 Outlook for US markets

    11:11 Outlook for global markets

    13:52 Sectors to look out for

    Written, hosted and produced by: Howie Lim ([email protected])

    With Hugh Chung, chief investment advisory officer from Endowus, Phil Waters, CEO, APAC & Emerging Markets from OANDA and Daniel Peris, senior portfolio manager at Federated Hermes.

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    A podcast by BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • The liquidity of gold is arguably on par with some of the major global currency debt and equity markets, such as the S&P 500. Does this mean in 2024 we should put our money in gold jewellery or gold ETFs? Howie Lim gets advice from Robin Tsui of State Street Global Advisors SPDR.

    Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    00:56 Gold’s performance in 2023

    02:16 Gold continues testing record highs

    06:15 The ultimate diversifier

    07:44 High liquidity not compromised

    10:48 Outlook for 2024

    Written and hosted by: Howie Lim ([email protected])

    With Robin Tsui, APAC gold strategist & SPDR gold sales specialist, State Street Global Advisors SPDR

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first and third Monday of the month:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • Is there still a place in your portfolio for real estate and property investments? Can real estate investing still help you build wealth in 20204? Howie Lim gets insights from Paul Tostevin and Alan Cheong from Savills, Lee Nai JIa from PropertyGuru Group and Benny Ong from I Quadrant.

    Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:12 Outlook for property investment in 2024

    05:00 Real estate market presents wealth building opportunities

    09:56 Property still has a place in portfolio

    13:15 Where the opportunities are

    Written and hosted by: Howie Lim ([email protected])

    With Lee Nai Jia, head of real estate intelligence, data and software solutions, PropertyGuru Group, Paul Tostevin, head of Savills world research, Alan Cheong, head of research Singapore at Savills and Benny Ong, co-founder, I Quadrant.

    Edited by: Howie Lim & Claressa Monteiro

    Produced by: Howie Lim

    Engineered by: Howie Lim

    A podcast BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • Why let fear stop you from retiring early, from being financially free or salary independent? Fear of investing is something you can overcome.

    Howie Lim gets insights from Hugh Chung, chief investment advisory officer, Endowus, David Fergusson, CEO, Atlas Consolidated and Paul Ng, senior financial services director, PhillipCapital.

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    02:22 Fear of losing money

    06:12 Fear of picking stocks

    08:59 Fear of trust

    13:00 Fear of not having enough to invest

    15:48 Fear of not enough time

    Written and hosted by: Howie Lim ([email protected])

    With Hugh Chung, chief investment advisory officer, Endowus, David Fergusson, CEO, Atlas Consolidated and Paul Ng, senior financial services director, PhillipCapital.

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • The world economy is expected to grow by 3.0% in 2023, before slowing down to 2.7% in 2024. But that doesn’t mean your investments should slow too.

    Howie Lim finds out how dividend investing could help from David Kuo, The Smart Investor, Josh Duitz, abrdn and Howard Silverblatt, S&P Dow Jones Indices.

    Synopsis: Every first, third and fifth Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    02:20 Dividend investing’s continued growth

    06:57 Why these companies can increase dividends

    10:07 How to choose the right company

    14:14 Dividends will continue to make records

    Written and hosted by: Howie Lim ([email protected])

    With David Kuo, co-founder, The Smart Investor, Josh Duitz, head of global income, abrdn and Howard Silverblatt, senior index analyst, S&P Dow Jones Indices

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us at:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • With stigma still surrounding personal loans, is it ever a good idea to take out a loan? Did you know just applying for a loan will hurt your credit score and how can you tell if a loan offer is legitimate? Howie Lim gets insights from Bryan Chan of Providend and Nima Karimi from Lendela.

    Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    00:52 Is taking a loan ever financially wise?

    03:10 Challenges getting a loan

    05:30 Steering clear of debt traps

    09:22 Legitimate loan offers vs. scams and predatory lenders

    10:24 Safeguarding your credit score

    Written and hosted by: Howie Lim ([email protected])

    With Bryan Chan, client advisor, Providend and Nima Karimi, CEO of Lendela

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • Are whiskey investments worth looking into in volatile times? Are they a lucrative alternative investment? What’s the difference between bottle and cask/barrel investing?

    Howie Lim gets insights from Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund.

    Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    02:25 Inflection point in whiskey investing

    04:27 Cask/barrel vs. bottle investing

    08:10 Should whiskey drinkers invest?

    11:19 Is whiskey worth investing in?

    Written and hosted by: Howie Lim ([email protected])

    With Anthony Zhang, co-founder and CEO of Vinovest and Maxwell Nee, Managing Partner of the OENO Wine & Whisky Investment Fund.

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • Is investing during a recession a good idea? Can it be rewarding? How do we fight natural instincts to become more conservative because the best investments may not be what we expect?

    Howie Lim gets insights from Francis Tan, investment strategist at UOB Private Bank’s chief investment office.

    Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:02 Market developments to watch

    03:36 What approach to take in uncertainty

    05:10 The balance between risk and returns

    06:58 Assets and products to consider

    08:38 Passive or active investing?

    11:10 Discretionary investing

    13:33 Markets are always uncertain, what to do?

    More about:

    UOB’s Risk-First Approach

    https://str.sg/iwaU

    UOB SimpleInvest

    https://str.sg/iwaw

    Rethink Your Wealth, UOB’s personal finance series

    https://str.sg/iwai

    Written and hosted by: Howie Lim ([email protected])

    With Francis Tan, investment strategist at UOB Private Bank’s chief investment office.

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • Financial stability, financial independence, financial abundance, financial freedom! The terms just get more complicated or is it just semantics?

    Does one mean the other and how can we get there?

    Howie Lim gets insights from Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research at Singlife.

    Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:20 Differences and similarities between financial freedom and abundance

    05:01 Concerning findings from the Financial Freedom index

    12:07 Opportunities and bright sparks during market volatility

    15:12 Protect your wealth!

    Written and hosted by: Howie Lim ([email protected])

    With Stephanie Chiaw, financial services associate director, PhillipCapital and Adriana Chia, senior vice president, CX and research, product, proposition at Singlife.

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • With inflation seemingly persistent and global economic conditions looking like they could worsen, how do we steel ourselves to stay invested? Stay invested we must because who wants to be a loser? Howie Lim gets insights from Samuel Rhee, Chairman and CIO at Endowus.

    Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:13 In or out in this current climate?

    03:38 In, even when markets dive

    08:11 Beating inflation is possible

    12:07 Inflation and recession beating strategies

    Written and hosted by: Howie Lim ([email protected])

    With Samuel Rhee, Chairman and CIO at Endowus

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • Salary independence, active investing, FIRE. How can we be sure any of them work to get us to financial independence? Howie Lim gets the skinny from Sabrina Gan, Fidelity International’s Head of Southeast Asia and Country Head of Singapore.

    Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:48 Passive vs. active investing debate moot?

    03:02 Is active investing required to retire well?

    05:06 How active investing better enables financial security

    08:03 Goals determine mix of assets and strategies

    10:37 More wealth building hacks

    Written and hosted by: Howie Lim ([email protected])

    With Sabrina Gan, Fidelity International’s head of Southeast Asia and country head of Singapore

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.

  • In the debate between savings and investing, which is a better choice to grow our wealth? What are some factors to consider? Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend share their insights and tips with Howie Lim.

    Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips.

    Highlights of the conversation:

    01:02 Chris Tan and Karl Franks’ take on savings vs. investing

    02:56 Investing IS simple, just not easy

    05:52 Productive and unproductive debt

    08:12 Investing helps you STAY rich

    12:25 Not rocket science but many simple things working together

    Written and hosted by: Howie Lim ([email protected])

    With Karl Franks, the Chief Operating Officer of Hugosave and Christopher Tan, founder and CEO of Providend.

    Edited by: Howie Lim & Claressa Monteiro

    Recording engineer: Joann Chai Pei Chieh

    Produced by: BT Podcasts, The Business Times, SPH Media

    Follow BT Money Hacks podcasts every first and third Monday of the month, and rate us on:

    Channel: bt.sg/btmoneyhacks

    Apple Podcasts: bt.sg/oeXe

    Spotify: bt.sg/oeGN

    Google podcasts: bt.sg/oeGP

    Website: bt.sg/moneyhacks

    Feedback to: [email protected]

    Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

    ---

    Discover more BT podcast series:

    BT Mark To Market Podcast at: bt.sg/btmark2mkt

    WealthBT at: bt.sg/btwealthbt

    PropertyBT at: bt.sg/btpropertybt

    BT Market Focus at: bt.sg/btmktfocus

    BT Podcasts at: bt.sg/pcOM

    BT Branded Podcasts at: bt.sg/brpod

    BT Lens On: bt.sg/btlenson

    See omnystudio.com/listener for privacy information.