NOTG - Nuggets on the Go by PropertyLimBrothers

Melvin Lim, Grayce, George and Yu Rong delve into numerous topics, from their property of choice, to the possible oversupply of resale flats from the “Baby Boomers” inheritance. Will Singaporeans be able to keep up with property affordability? With plenty of caveats going around, leading from one topic to the next, strap in for this insightful and opinion-loaded episode of Nuggets On The Go! 😁 #PropertyLimBrothers​ #NOTG #singapore #realestate #property

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 Intro 00:54 Melvin’s experiences with co-owning a home 03:43 Ryan and Laura introduction 03:48 Melvin encourages buyers to own a home under their own name 04:07 Discussing Ryan’s profile 04:44 Jun Wei’s thoughts on co-owning 07:57 Jun Wei’s ideal co-owning plan 12:16 Alexa’s thoughts on co-owning 13:12 Bidadari Flats resale prices 14:09 Downsides of co-owning (one co-owner with CPF, and another without CPF) 18:12 Discussing Laura’s profile 18:30 Tips and recommendations for Laura 20:21 Laura’s potential buying plan and home options 26:41 Promoting PLB Property Summit 2024 27:41 Symphony Suites 3-bedder listing and buying plan 31:20 Symphony Suites 4-bedder layout 33:04 HDB options for Laura and buying plan 35:58 HDB vs Condo 38:45 Number of Million Dollar HDB Resale transactions 39:40 Sengkang HDBs increasing in demand 41:55 First million-dollar resale flat in Bedok 44:08 Laura’s potential buying plan (continue) 47:18 Ryan’s potential buying plan and home options 51:29 Parc Rosewood 2-bedder listing and layout 53:36 Norwood Grand unit pricing 54:48 Ryan’s potential buying plan (continue) 57:43 Alexa’s property journey and tips 01:09:52 Promoting PLB Property Summit 2024 01:11:28 Closing thoughts 01:11:58 Outtakes

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 Intro 00:59 Alan & Justina introduction (Winter season) 04:19 Fully pay a property in your retirement age? 08:02 George's dream retirement life 08:52 Cash flow is king 11:54 All kids moving out and you stay in a landed 13:38 Advice for Alan & Justina 22:49 LTV dropped by 5% 25:27 Income cap for resale HDB? 26:36 Legacy planning 32:57 Retiring young 33:47 Jun Wei's dream retirement life 34:58 Wealthy and happy? 36:36 Different economy 39:39 Upcoming new personas 39:54 Buying a property with your sibling/friends 42:52 Closing thoughts 46:44 Outtakes

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 Intro 01:50 4 seasons recap 03:58 Peter & Lucy profile (Autumn season) 08:05 Talking about desires 09:57 Advice for Peter & Lucy 16:15 Purchase options 19:46 Needs vs wants 25:05 Regulation for school buses & school selection 28:55 Kids FOMO 30:45 No perfect house 31:43 Landed Private Transactions (Jan 2023 to Jan 2024) 38:41 Focusing on the quantum play 41:58 School bus transport students living within 4km of their schools 43:52 Summary 48:48 Looking through BRS retirement sum 50:58 Next episode teaser 51:34 Outtakes

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 Intro 00:44 Who is Joseph Lee? 01:20 Why study architecture? 02:26 Challenges as a fresh graduate architect 04:00 Focused more in residential architecture projects 07:40 What is the meaning of BHATCH? 07:53 Architecture design trend evolution in Singapore 11:28 Helping a buyer have an ease of exit for the newly built house 15:40 Building a multi-gen house 17:11 Minimum cost for a house 20:25 More floors in a house 21:36 Cost of rebuilding 22:55 People spending more on interiors 24:07 House that looks good but less maintenance 25:50 Work process in the Architecture firm. 30:15 Tender stage parameters 32:44 Builders not completing the project 36:08 Construction payment schedule 37:56 Handling clients personally 39:19 PLB home tour design inspiration with Joseph 42:09 Using brinks in the house 44:03 Materials used today ("Warm modernism") 45:55 Architect style 47:00 Past construction are more solid than today 53:13 How long will a modern landed home last nowadays? 54:31 A&A and Rebuild construction cost 59:39 More rebuild nowadays? 01:00:24 Demographics of landed buyers today 01:01:25 More young clients 01:02:24 Memorable projects 01:07:41 Recently completed projects 01:08:49 Future plans of BHATCH Architect 01:09:56 Constraint budgets on projects 01:11:33 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 thoughts 01:22:48 Outtakes

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 Intro 00:45 Spring Persona introduction 04:25 Starting your journey 05:06 Affordability 07:11 MF Loan 07:40 Choices available 21:14 Recommended areas for Mavericks 25:23 Age is a currency 27:40 Summary 28:44 Other personas 29:45 Outtakes

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 Intro 00:42 Introduction of Spring Persona 03:23 Affordability check for most singles 05:39 Singles comfortable staying with their parents 06:52 BTO Option 12:25 BTO Option Comparison view 22:09 HDB Resale Option 29:36 HDB Resale Option Comparison view 34:30 1-Bedder Condo Option 38:29 1-Bedder Condo Option Comparison view P1 41:14 Names stuck in the property 45:46 1-Bedder Condo Option Comparison view P2 50:31 Closing thoughts 55:18 Next Episode 55:44 Outtakes

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!   Timestamps 00:00 Intro 00:58 Getting recognised 01:52 Credit card strategies (Miles/Cashback) 06:33 Keep up with credit card rewards 07:43 Best credit card for dining 08:11 Fear of people copying online content 10:30 Debt management 12:15 Struggle of getting your first house in Singapore 21:16 Live in a HDB forever? 23:10 Will Cooling Measures hold prices next year? 25:48 Melvin's investment strategy 30:16 Future plans of The Weeblings 32:36 First YouTube Channel 37:28 Advice for young content creators 38:36 Candor Cards 39:20 What does Aaron want more than anything? 43:01 Sara's biggest choice that changed her life? 45:35 Closing thoughts 46:02 Outtakes

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 Intro 00:56 Content scheduling 05:54 Is the Weeblings just a side hustle? 06:38 Journey to a million dollars 09:13 First investment 12:48 Advice to fresh graduates for investment 14:12 Investing methodology 18:08 Following US news 21:10 Aaron is fascinated about numbers 23:08 Singapore interest rates increase, property prices also increase 24:56 The current situation of buying your first property 26:18 How Sara manage her money 27:28 Fear of money 32:10 View of retirement 33:11 Their parents got scammed 38:38 Fake Weeblings Channel / Telegram scams 40:58 Money growing up 45:34 Pursuing content creation full-time 49:08 Monitising the Weebling brand 53:36 View on cryptocurrency 55:54 Part 2 teaser 56:25 Outtakes

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.

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

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

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 Intro 00:48 YouTube Channel Journey 02:44 Financial Planning Journey 04:42 First niche 08:40 Mid 20s financial advice 12:54 Seasons of life 16:17 Approaching retirement 20:24 Is their a formula for retirement? 22:09 Good habits 23:34 Insurance recommendations 28:24 Life insurance for kids 30:17 Life or Term? 32:36 Allocating your cash for Insurance, Investing, Savings, ETC... 35:13 Consuming Policies 37:07 Residential loan to retirement 38:43 Inheriting a big property 41:07 Are you too optimistic on real estate? 46:12 Sharing personal journey online 50:40 Planning your inheritance 54:41 Paying off your outstanding debt with your inheritance 01:00:00 Remembering cases of customers 01:01:28 Current company 01:02:17 PromiseLand 01:02:24 Why TheAstuteParent? 01:06:06 Ice cream business mistakes 01:13:58 Meaning of money? 01:18:05 The next step 01:19:09 Advice for parents 01:20:37 Tax planning and stocks 01:23:50 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 balance 01:33:36 Outtakes

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 Intro 00:44 New whiteboard 01:11 Whiteboard Session Recap 01:40 4 seasons of land acquisition & 5 year cycle 04:36 New Launch sales by region 05:18 Era of HUDC en block projects 06:36 PSF surged to +$400 PSF in 2024 07:18 Non-Landed supply 09:53 Non-Landed ownership distribution 10:49 Non-Landed supply changes year-to-year 11:14 En blocs are at an all-time low. 12:01 Average holding period 13:07 Stable supply 13:37 +$400 PSF every 5 years 16:52 Applying the 4 seasons to the 5-years cycle 18:04 Seasons of where to expect new PSF benchmark 19:36 Preparation for each season 20:16 Summary 21:11 Outtakes

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 Intro 00:33 Start of blogging 04:33 Side hustle mindset 07:18 Fiona Dawn Cher fitness journey turn into business opportunity 10:01 Teaching at home / Falling down the overhead bridge 11:47 First finance article went viral 13:13 Fresh graduate financial advice (Importance of insurance) 14:15 Insurance to get 18:27 Cut down debts as fast as possible 19:40 Seasons of life 29:14 Risk of retrenchment 33:33 Will AI replace jobs? 37:36 AI Investing 39:11 Budgeting in the 20s 42:09 Risk of Cryptocurrency 42:58 Allocated budget for investing 45:25 Knowledge of investing 51:58 Checklist before investing 55:22 Time analysing stocks / Fear of investing 01:01:43 Time to sell a stock 01:05:55 Meaning of money 01:14:21 Meaning of money in your 40s 01:17:08 Dealing with retrenchment 01:20:53 Retire at 45 01:24:43 Top three books 01:28:17 Personal Growth from teaching and writing 01:29:50 Work-life balance  

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 Intro 03:56 New Launch Convention Sharing 07:46 New launches are too expensive? 12:14 Momentum Investing 14:39 Dairy Farm Residences first launch, not much sales 18:14 64 new launches in 1 year 21:20 Only new launches will make money? 24:24 Resale vs New Launch buying behaviour 28:50 This two are 100% guaranteed profitable 30:46 Continuing Professional Development (CPD) 31:46 2018 Cooling Measure, 11PM announcement 35:23 Indicators of when developers will drop prices 38:10 Buying the wrong unit by mistake 40:05 Feng shui 43:16 Floor levels in condos are not important 44:20 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 Baller 54:45 Facing can give you a 10% to 15% price difference 56:50 Choosing the right facing 01:03:13 Benchmark PSF 01:04:52 Proper floor plans efficiency 01:09:15 Selecting the right unit 01:13:47 MRT impact to new launches 01:17:25 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 out 01:33:16 Outtakes

Today on Nuggets On The Go, Melvin Lim from PropertyLimBrothers speaks to Ming Feng, CEO of Seedly, an online platform focused on helping readers make smarter financial decisions with the right tools and the right mindset. He learns about Ming Feng’s journey from co-founding Dollars And Sense, balancing it with his job as a trader, and transitioning to Seedly as an intern; following which he worked his way up to head of marketing, and currently CEO.   Find out what motivated this part-time DJ throughout his journey and what drove him to restart his career as an intern at Siddle, as he talks about his interest in growth marketing, Seedly’s evolution from a tech company to a content-driven platform and the importance of adapting to changing content consumption trends, and his thoughts on the future of real estate.   On that note, have you always thought of investing in a new launch condo but find yourself hesitating, afraid of making the wrong choice, or perhaps overwhelmed by the options? Compare 151+ condos in 10 hours at  PLB x Seedly New Launch Convention 2024 on July 7th, 10 am - 8 pm! 1 day, 10 speaking sessions with 6 keynotes by industry experts from PropertyLimBrothers, sharing exclusive PLB frameworks for choosing the right condo!   Early bird tickets now available at $7, and are selling fast! sign up here: bit.ly/plbnlc24   Timestamps: 00:00 Intro 01:04 What's like being the Head of Seedly? 02:19 Mid-career switch 06:02 First job experience 07:22 Dollar and Sense 10:00 Starting over as an intern 11:45 What is Seedly? 13:19 Changes of how people consume content 16:20 Platforms of Seedly 17:33 Target audience 20:02 Being in the personal finance industry 23:51 Seedly's active members 24:41 The switch from tech company to media house 28:37 Allocating a budget for marketing 29:45 Short form or long form content? 30:58 Paid marketing / How to balance marketing? 35:14 Is long-term content better? 36:38 What's the marketing approach for brand new companies? 39:17 Marketing a band 45:20 How Ming Feng became a DJ 47:12 Key learning points from being a DJ and experience in finance 50:41 Making it into the DJ scene 53:54 Float therapy 56:23 To-do list tips 57:11 Positioning in being a personal finance industry 58:52 Positioning in being a DJ 59:52 What are the worries of working adults in finance space? 01:05:17 Optimal age to start planning for retirement 01:06:06 Get rich quick mentality 01:08:33 Ming Feng investments 01:11:59 Two books for business owners 01:13:30 Short term satisfaction 01:14:45 Card 1: "When was the last time you were proud of yourself?" 01:16:35 Card 2: "If you could witness any event from the past, present or future, what would it be and why?" 01:19:18 Future plans of Seedly 01:21:21 New Launch Convention 01:23:11 Outtakes

On this episode of NOTG, George, Shawn, and Jesley from PropertyLimBrothers discuss the impact of HDB upgraders on Singapore’s property market, noting the trend of increased condo ownership due to rising HDB prices and a desire for better capital appreciation. They explain how higher borrowing capacity also drives this shift. The team covers loan frameworks, MSR regulations, and property valuations, emphasising strategic property investment’s importance for capital growth. They highlight the value of property ownership in Singapore, where a buyer’s name has become a significant asset.   Additionally, they share personal regrets and lessons from their property investments, such as not holding onto properties longer or not buying larger properties when possible. They stress considering future needs and the potential benefits of stretching one’s budget for a larger property. Stay tuned for more insights on the challenges of property investment and affordability. Find out about their personal opinions about real estate investment!   Speaking of condos, have you always thought of investing in a new launch condo but find yourself hesitating, afraid of making the wrong choice, or perhaps overwhelmed by the options? Compare 80+ condos in 10 hours at PLB New Launch Convention 2024 on July 7th, 10 am - 8 pm! 1 day, 10 speaking sessions with 6 keynotes by industry experts from PropertyLimBrothers, sharing exclusive PLB frameworks for choosing the right condo!   Early bird tickets now available at $7, sign up here: bit.ly/plbnlc24   00:00 Introduction 02:03 Home ownership ratio (Global Comparison) 09:23 HDB upgraders 16:36 Loaning capability 36:47 Healthy monthly mortgage 38:36 Searching for a new launch property 44:28 Holding a property for too long 49:51 Understanding the masterplan and your time horizon 56:46 Average PSF for New Launches 01:02:22 Efficient layouts 01:07:47 Wipe out investment 01:22:00 Purchasing power of Singapore household sector 01:31:01 Buying too small 01:40:15 Buying to the maximum 01:50:20 New Launch Convention

On this special episode of Nuggets On The Go, we’re joined by Willie Keng, a full-time investor who has guided numerous investors in expanding their dividend portfolios. Previously, an associate director at a prestigious private bank with a solid six-figure income, he often found himself constantly trading his time for a paycheck. His passion for financial markets was undeniable, yet the corporate environment didn’t align with his aspirations.   Join us as we explore his journey from his days as a materials engineering student to a lucrative corporate career and now to a full-time investor. Learn how he builds robust dividend portfolios, who inspires him and find out the strategies he adopted that have reshaped his life. See how he turned his passion for financial markets into a thriving pursuit of wealth and freedom. Be sure not to miss this enlightening episode!   If you’re keen to read Willie’s articles and tips on dividends, bonds, and REIT investing, visit: https://www.dividendtitan.com/

We’re back with part 2 of New Launch 101! George and Yu Rong talk about the most anticipated new launch condos in 2024. They discuss key factors such as proximity to MRT lines, available amenities, and new launches with potential for lower prices due to low land acquisition costs. Their discussion continues with the importance of layout flexibility in new launch condos—where new launches often offer more bedrooms within the same square footage, providing more options for potential buyers.   Find out more about the development of new launches in Toa Payoh, where its GLS sites are highly anticipated, and the potential of new launches in the heartlands like Bedok South, Tampines, and Pasir Ris. That being said, learn about the reasons behind price changes by developers. An interesting topic of discussion is Yu Rong’s mall tiers, ranging from basic neighbourhood malls to large, destination malls with unique offerings, and how this could potentially impact the attractiveness of a property.   All these enriching insights and more on this New Launch 101 episode on Nuggets on the go! Speaking of new launch condos, have you always thought of investing in a new launch condo but find yourself hesitating, afraid of making the wrong choice, or perhaps overwhelmed by the options? Compare 80+ condos in 10 hours at PLB New Launch Convention 2024 on July 7th, 10 am - 8 pm! 1 day, 10 speaking sessions with 6 keynotes by industry experts from PropertyLimBrothers, sharing exclusive PLB frameworks for choosing the right condo! Join 3,000 like-minded new launch buyers to gain exclusive frameworks to secure your dream home.   Early bird tickets now available at $7, sign up here: bit.ly/plbnlc24   (00:00:00) Intro (00:00:45) Chuan Park (00:06:07) New launch is a sure hit? (00:12:21) Lego-style construction (00:15:21) Toa Payoh GLS Site (00:18:48) Golden Mile compound (00:22:53) Bagnall Court (00:29:27) New launch surprises (00:30:27) Tiers of Shopping Malls (00:34:16) PLB New Launch Convention (00:35:59) Outtakes