Nuggets On The Go - Real Estate Tips By PropertyLimBrothers

Property valuations—who decides? In this episode of NOTG, Alfred, Jesley, and Yu Rong from PropertyLimBrothers break down the real story behind property valuations—and why they often don't match what you see on paper. They talk about how valuations are formed, what influences them, and when it makes sense to challenge the numbers.   Learn how to interpret gaps, justify prices, and identify undervalued listings with growth potential across all properties. And if you've ever wondered how buyers ‘beat' bank valuations or why sellers struggle to justify their asking price, find out in this episode!   00:00 Introduction 01:01 Beating a banker's valuation 03:58 Knowing if it's the right valuation? 06:01 How bankers give you the valuation data 10:24 Renovations contributes more to Condos and landed properties 11:50 Why landed properties are hard to valuate? 12:33 Important key points to help out valuation of the house 18:17 Hiring a PRIVATE Valuer 22:25 Is it going to be more common for landed homes valuation to base more on built-up rather than land size? 25:41 Understanding valuation more for resale properties 27:25 Framework to check if a property is undervalued 35:35 Headline case in the property will affect the pricing? 37:48 Disparity effect 41:09 Part 2 41:48 Outtakes

A new launch sells out almost instantly — and suddenly, resale listings nearby vanish, only to reappear at a higher price. In this episode of Nuggets On The Go, Melvin Lim, Phyllis Goh and Shawn Tay talk about how launch activity can trigger sudden PSF shifts in surrounding developments, creating a domino effect in buyer behaviour.   They also explore why some homebuyers justify paying $35,000 more for a high-floor unit, and how pricing psychology plays a bigger role than most think. Hear about the hidden mental shortcuts could outline today's market more than fundamentals alone, such as cognitive or psychological prices bias to the breakdown of cost-per-month.   And just when you think buyers have moved past superstition, certain numbers, layouts, and cultural beliefs still influence demand and resale outcomes. Find out how all these soft factors stack up against hard data in today's home-buying landscape.   00:00 Intro 00:37 Catalysts for appreciation, HDB vs Private (Continued) 05:57 The "Volume Effect" 10:11 PLB's Secret Weapon 12:05 Floor level superstition 14:50 Floorplan superstition 17:24 Cultural norms and property investment/buying 18:44 Question - What properties you have seen that are a solid price point and why? 20:52 The "Big Brother, Small Brother" Effect and examples 25:42 Question - Do you think about buying/living in properties next to religious sites? 30:35 Closing statements 30:45 Outro

Planning your next property move before MOP ends? Melvin Lim, Phyllis, and Shawn from PropertyLimBrothers talks about one of the most frequently asked questions by HDB owners—how soon is too soon to strategise?   This episode of NOTG explores actual case studies and actionable frameworks to help any home seller evaluate the available options ahead of time. Find out about capital growth projections and key market catalysts, to downpayment strategies and the HDB-condo substitution effect.   For those aligning a move with family priorities, rental yield objectives, or a long-term portfolio plan, this conversation delivers the strategies to act with foresight. Tune in to hear real stories, strategic insights, and learn the timing cues—even before the MOP window opens.   00:00 Intro 01:04 Question - "What to do when under MOP?" 01:44 Client case study - Journey from $670k portfolio to $4.3M portfolio 04:12 Question - "How to plan ahead and why is it important?" 06:54 Current regulations on when you can advertise your newly MOP HDB 07:59 Shawn's client case study 16:44 Letting HDB Appreciate vs Upgrading to a new property 20:11 Question - "What research should be done while under MOP" 21:44 Question - "What is the catalyst for HDB appreciation?" 25:11 Question - "Is the increase in million dollar HDB transactions a cause for concern?" 27:04 Catalysts for appreciation, HDB vs Private 35:09 Teaser for Part 2 35:34 Outro

Part 2 of dissecting Budget 2025 in NOTG delves into what could come next. George, Jesley, and Yong Zhun from PropertyLimBrothers discuss a wide range of speculative ideas that could redefine the future of Singapore's property market. Could a 7-year MOP for resale HDBs help temper demand? Will extending the wait-out period from 15 to 24 months for HDB-to-condo transitions affect market behaviour? Hear more “what-ifs,” including proposals to adjust stamp duty based on location and unit configuration. With ongoing shifts across both private and public housing segments, the team reflects on how affordability, infrastructure planning, and buyer psychology might intersect in the years ahead.   While none of these ideas are official policy, the episode invites viewers to consider the trade-offs and implications behind potential regulatory changes. Tune in for a wide-lens view on the forces that could steer the direction of Singapore's property landscape moving forward.   00:00 Intro 00:40 Cooling measure suggestions 11:20 $1 Billion investment on R&D infrastructure 15:20 LBC rate increase 19:15 More EC units resold for profit 22:06 Aurelle of Tampines floorplans 24:20 Aurelle of Tampines prices 24:50 Would you pay more for integrated projects? 27:40 Volume and Price Index Chart 31:00 Exploring property in PropertyGuru 35:05 Prices of resale units will slow down in the upcoming years 36:30 Self sustaining town 38:06 Function of air conditioner 39:59 Closing thoughts 42:32 Outtakes

The numbers are in. The policies are outlined. But how will Budget 2025 influence Singapore's ever-evolving property landscape? George, Jesley, and Yong Zhun from PropertyLimBrothers analyse Budget 2025, Their conversation touches on key themes from the budget and their possible impact on housing and property decisions. Prime Minister Lawrence Wong's commitment to long-term HDB affordability provides important context, while our speakers share thoughtful perspectives on what might lie ahead.   Trying to make sense of where the market is headed, this episode delivers a clear lens on the forces at play. Tune in to hear what Budget 2025 could mean for the future of housing in Singapore before the changes become reality.   00:00 Intro 02:08 Budget 2025 Highlights / SG60 Package 05:52 Sustainable City 06:46 Equipping Workers Throughout Life 08:38 Empowering Businesses 10:25 Supporting Singaporeans 15:20 George received FREE money from the government 17:00 Assurance that HDB flats will remain affordable 20:44 Upcoming HDB launches 22:38 Why the price of BTOs double in resale? 28:27 BTO or EC have an income ceiling. 30:30 George transition home story 31:39 How much should be the income ceiling? 34:00 Reduce the HDB resale transactions 40:00 Balancing act to make housing price affordable 44:20 Restriction on HDB according to the size of the family 46:22 Part 2 Teaser... 47:17 Outtakes

Picking up from their previous discussion on the rise of million-dollar HDBs, George, Alfred, and Joan from PropertyLimBrothers return to discuss what buyers should watch for in 2025. They talked how current price trends—defined by ongoing cooling measures—are influencing buying power and long-term plans. Find out what they think about why prices in the OCR have surged, what's fuelling demand in the RCR, and how new launches are being priced island-wide.   Also, Joan shares why she believes it's better to act early, while Alfred outlines the logic behind starting with a two-bedder. They also touch on how to manage FOMO, read the shifts in policy, and stay grounded despite market noise. If you're trying to decide whether to buy, wait, or pivot—this episode offers clear, timely insight to help guide your next move.   00:00 Introduction 00:40 HDB price trend 03:09 Age always affects you 05:00 Interest rate will drop? 09:00 Future cooling measure scenario 12:22 Median age of buyers (New Private Home) 14:30 Advice for first time home owners 17:58 Median profit 18:30 Prices of private property market 25:42 RCR having more demand 28:30 Hottest new launches today 29:30 New Launch important things to take note 36:42 Upcoming New Launches 40:50 Closing 41:55 Outtakes

Million-dollar HDBs used to be rare—now they're outlining Singapore's public housing market. In this episode of NOTG, George, Alfred, and Joan from PropertyLimBrothers break down what's driving up prices, why 2025 is packed with new launches, and how future homeowners should prepare.   They uncover the 5 upcoming HDB launches in February, clarify the requirements for buying BTO and SBF flats, and decode the implications of the 10,000 units slated for release across just two windows this year. From the sharp rise in million-dollar HDB transactions post-2015 to the surge in 2023, this episode maps where these sales are happening, and who's buying.   Hear why many high-income earners are opting for 4- and 5-room BTOs as their forever homes, along with relatable investment strategies and financial planning examples. This is a timely episode every aspiring homeowner and property investor should not miss. Tune in to hear how the ground is shifting.   00:00 Introduction 02:25 Upcoming BTO Launches 10:49 Why is west side is the best side? 15:30 Requirements for buying a BTO and SBF 2025 17:16 Why are there a lot of BTO and SBF launches? 18:20 HDB houses affordability / SG birth rate 20:55 Higher demand for 2 bedders for space 22:00 SG granting more citizenship 22:58 Million-Dollar HDB transactions 30:17 $12K to $15K income case study 42:00 BTO upgraders profiles 43:20 BTO route for investment 46:47 High earner couple investment case study (Reverse approach) 55:46 Upcoming Episode... 56:32 Outtakes

This week, Jesley, Yu Rong, and Shawn from PropertyLimBrothers tackle the finer points of home buying at the $2.3M, $3M, and $4M price tiers. From layout choices that ‘look' great online but tell a different story in real life, to surprising trade-offs buyers often overlook, this segment pulls back the curtain on what you're really paying for.   They explore what makes certain properties more liveable—or more investable—at each price point, and why the sweet spot might not always be where you expect. Hear their perspectives that could turn the tables on how you see the next step in your property journey.   And if you're wondering if lifestyle or yield should drive your decision… wait 'til you hear their take.   00:00 Introduction 01:30 $2.3M budget options 06:00 Looking for spacious unit 09:02 Options for Boutique Condos 09:40 Why some Boutique Condos the price increases? 14:36 $3M budget options 20:40 $4M budget options (Landed Gems) 27:10 Land banking strategy 30:15 Luxury options 38:34 Luxury unit view 39:55 Investing in Core Central Region properties 45:39 Closing 46:41 Outtakes

Jesley, Yu Rong, and Shawn from PropertyLimBrothers answer burning questions from the audience—starting with how young couples should navigate the new BTO model (Standard, Plus, Prime). They break down how different profiles—DINKs, couples with kids, or those planning to upgrade—should choose based on family planning, income potential, and MOP duration.   In the market to sell? They discuss The team shares key considerations beyond just price, touching on personal timelines, future plans, and how to spot the right window of opportunity.   To round off the session, they ask each other—what would they buy with a $1.8M Drawing from PLB's internal frameworks, each of them shared their approach, from rental-centric plays to lifestyle-driven picks—surfacing often-overlooked choices that blend investment potential with practical liveability. Find out their reasons in this episode and more!   00:00 Introduction 01:39 What is the best route for young couples? 05:30 Long construction period 08:08 Future planning 12:30 $6K and $12K budget 18:30 Best time to sell 24:21 Selecting a RESALE private property 32:40 Benefiting from the future MRT lines 34:00 $1.8M Budget - Ideal for young families or first timer buyers 43:44 Looking at Dual Keys 45:50 Details of $1.8M budget options 51:40 Next Episode... 51:58 Outtakes

Thinking of buying your first home but terrified of making the wrong move? You're not alone. In continuation of our previous NOTG episode, Yu Rong, Alexa, and Lyndon from PropertyLimBrothers dive into Ryan's case study—a 28-year-old earning $12K a month, who's on the verge of buying his first property—but struggling with uncertainty.   They explore the modern-day fears of young buyers: market volatility, loan limits, and whether to start with a 2-bedder or stretch for a 3-bedder. Yu Rong reflects on what he wishes he knew earlier, while the team shares crucial tips on saving, splitting your property portfolio, index funds, and insurance hacks just for men. This is the episode every 25 to 35-year-old should hear before making that big decision. Don't stay passive—your future depends on it. Tune in now!   00:00 Introduction 01:02 Ryan's income growth and property plans 02:16 Regrets about past property investment opportunities 05:46 Importance of financial knowledge and planning 07:39 Current property options for young professionals 08:49 Case study: A 26-year-old saving aggressively 10:54 Investing in property vs. stock market 12:09 Steps for young earners to save and invest 15:19 The role of parents in property investment 16:47 Saving strategies based on different income levels 19:05 Budgeting for living expenses and lifestyle choices 22:49 Insurance planning and SAF coverage 25:19 Back to Ryan's property investment strategy 27:30 Renting vs buying for young investors 28:53 Key financial takeaways from the discussion 30:06 Closing remarks and recap 32:26 Outtakes

In this episode of NOTG, Yu Rong, Alexa, and Lyndon from PropertyLimBrothers break down the realities of property investment for those in their mid-30s to mid-40s. They discuss why managing two properties that align with each spouse's income can be more strategic than buying a single property based on combined income.   Beyond the numbers, they take a reality check, considering factors such as children, ageing parents, and future expenses, which become increasingly important at this stage of life. Lyndon also shares his personal experience from when he and his wife were in the MOP stage and why he believes in owning two properties—including his preference for four-bedders.   How about you, is it wiser to invest in one property or split your investment into two?   00:00 Introduction 00:40 4 Seasons 01:09 Ian and Grace's financial situation 02:15 Two-property investment strategy explained 03:21 Need for a 4-bedroom home and financial planning 05:02 Comparing monthly installments for different property strategies 07:02 Managing risk in property investment 08:29 Capital appreciation and property value considerations 10:36 Choosing between property types for investment 12:02 Risk management and financial stability concerns 14:13 Investing in two properties despite job instability 16:10 Emotional vs. financial decisions in home buying 18:26 Extreme financial strategies for early retirement 20:22 Personal experiences and financial decision-making 23:46 Lifestyle trade-offs when choosing a home 26:20 Balancing present lifestyle vs. future financial security 28:32 Location trade-offs and financial planning 30:31 Maximising property investments 32:12 Advising clients on realistic property budgets 33:53 Next episode 34:30 Outtakes

At just 22, Daphne Goh dove into the café world with a marketing degree, a $200K startup fund, and a passion for coffee—launching her first café, Assembly. That's where she met Shirlynn Eng, a linguistics graduate who, despite receiving a full-time offer as editor, continued working part-time in the kitchen for a year. When Daphne was ready to open her second café, Atlas, she knew exactly who to call—and invited Shirlynn to join her as a partner.   In this episode of NOTG, Melvin Lim chats with Co-Founders Daphne and Shirlynn. They look back to their unconventional journey—how they grew from The Atlas Group of Cafés from one café to a collection of six uniquely crafted brands. They share what it was like building something from scratch, the tough calls, the self-doubts, and the importance of finding the right people and holding on to trust. They also reveal the behind-the-scenes realities most people don't see in the F&B world—like managing peers of the same age, and realising that leadership means aligning expectations and standing firm—even with friends.   If you're thinking of starting your own venture or leading a team, there's a wealth of wisdom waiting for you in this episode!   00:00 Introduction 00:57 Ownership of The Atlas Group of Cafés 01:08 How they became partners 01:57 Expansion of the first café 02:36 After graduation to coffee 04:31 Taking risks 06:34 Challenges in owning a business in a young age 08:13 Investment of the first business 09:09 Biggest expense 10:40 Advice on starting a café 14:25 Applied for a part-time service crew, but straight to the kitchen 18:11 Transition from a part-timer to a partner 20:07 Opening shops in different districts 23:43 Challenges of opening a new shop every year 26:46 New factory 28:08 Seeing all the founders everyday 30:00 Easy to burnout with partners / Celebrating 12 years anniversary 35:34 Number of crew members 36:00 Biggest challenge to managing a team 41:57 Growing leaders 44:55 Hiring external managers 48:57 Biggest cost of running a café 51:45 Precious customers 52:25 Future plans of Atlas 54:38 Rising rental rates 55:48 People not believing in you / Curse Unit 57:58 Starting all over again 01:00:25 What professional skill currently working on? 01:02:29 What is holding you back for being your best self? 01:03:28 Outtakes

Many high-income singles in their 30s are rushing to buy condos for status and wealth preservation—but is it the right move, or just a costly mistake? In this follow-up episode of NOTG, George Peng, Phyllis Goh, and Yong Zhun from PropertyLimBrothers dive into the key considerations for self-employed professionals looking to enter the property market.   They discuss if new launches often are the better investment engine, talk about how to assess financial sustainability when taking on a mortgage, and share the pitfalls of herd mentality in property buying. The conversation also covers whether ‘rentvesting' can accelerate wealth-building, why the speed of exit is crucial, and what ABSD projections mean for investors. Beyond individual strategies, they also provide insights into HDB and non-landed property price trends in relation to GDP, as well as the Government Land Sales (GLS) programme and its influence on future housing supply.   For more expert perspectives on investment strategies and market trends, this episode equips self-employed professionals with the knowledge to make informed property decisions.   00:00 - Intro 00:39 - PERSONA B MAVERICK 03:43 - Phyllis' thoughts about Maverick 04:12 - Phyllis' real life client like Maverick 07:06 - George's advice that are looking for investment 13:21 - Yong Zhun's thoughts about Maverick 13:55 - Have you heard of F.I.R.E acronym? 14:19 - Retreat and rest 18:22 - Phyllis' consulting something with Melvin 23:48 - George's thoughts about what Phyllis' consult on Melvin 24:25 - Assuming Maverick is working on a bank 25:19 - George tells a story about a certain client 26:58 - George advice about first timer buyers 27:51 - George second client encounter 28:10 - Speed of exit 28:31 - Going back to Maverick 30:40 - One of strategy Maverick can adopt 33:13 - Straits Times article 34:18 - Yong Zhun's thoughts about the article 35:00 - Cooling measures 34:43 - A few things to look at 38:13 - Private residential price index 41:10 - Interesting Q1 41:18 - Supply and demand list 42:32 - HDB & Private Non-Landed Property Price Index 43:30 - Closing messages 46:29 - Other personas 47:32 - Outtakes

Wayne and Joanne, both 27 years old and earning $4,000 each, are ready to take the next big step—buying their first home. But with skyrocketing property prices and so many options, they're unsure where to start. Should they go for a BTO, resale HDB, or a resale condo? What if they make the wrong decision?   In this episode of NOTG, George Peng, Phyllis Goh, and Yong Zhun from PropertyLimBrothers break down exactly what young couples need to consider before making their first property purchase. Understand how to prioritise capital gain and long-term planning, avoid common mistakes, and assess the pros and cons of different housing options. Learn why Minimum Occupation Period (MOP) and Seller's Stamp Duty (SSD) matter, and find out how an investment portfolio comprising stocks and crypto could influence property selection.   If you fit the persona, are struggling with uncertainty and want clear, practical advice on buying your first home, this is the episode you don't want to miss!   00:00 - Intro 00:48 - Introducing host 1:06 - Phyllis Goh 02:27 - Persona A Wayne and Joanne 03:53 - George's first pay 05:14 - Phyllis' studies 05:58 - Big gap and prices 06:17 - Personal Disposable Income/Savings chart 06:57 - George's thoughts about Wayne and Joanne 07:13 - Phyllis' advice 09:18 - Yong Zhun's thoughts about Wayne and Joanne 10:06 - Three choices on Wayne and Joanne's situation 12:02 - Main 2 choices suggested by Yong Zhun (Resale HDB) 13:29 - Main 2 choices suggested by Yong Zhun (Resale Condo) 17:42 - What is a good and bad property purchase? 18:41 - Pros and Cons of resale HDB and Condo 22:41 - Timeline of Wayne and Joanne 24:13 - When to take BTO Route 25:12 - When divorce happen 25:43 - 99 years ownership on condo during divorce 31:41 - CCR, RCR, OCR 35:15 - George advice to Wayne and Joanne situation 35:22 - If George is in Wayne and Joanne's situation 36:24 - George opinion on insurance 37:24 - Kids needs 38:22 - George go BTO if he is on similar situation 39:07 - What would Yong Zhun do? 40:09 - When George take the BTO he would do it intentionally. Why? 40:26 - George remembering something about BTO 41:47 - Continuing on when George take the BTO route why would he do it intentionally. 43:06 - Parting message for Wayne and Joanne 43:56 - 9 years after on Wayne and Joanne situation 47:06 - 9 years later breakdown 51:53 - Part 2 teaser 52:13 - Outtakes

Every experience is a dot waiting to be connected. The more you explore—through the people you meet, the lessons you learn, and the risks you take—the clearer the bigger picture becomes. For Johnathan Chua, CEO and co-founder of GRVTY Media, these dots have shaped his entrepreneurial journey in unexpected ways. From growing up in a family of entrepreneurs to resigning just two weeks after a pay rise, every decision led him toward building one of the region's most recognised media companies.   In this episode of NOTG, hosted by Melvin Lim, Johnathan reflects on the pivotal moments that shaped his career—the realisations, the challenges, and a tough but invaluable lesson learned from a $4,000 business pitch failure. But beyond business, he delves into personal growth—the shift from being direct and assertive to becoming a more mindful and rational leader.   He reveals an unconventional business idea inspired by a trip to Australia, reimagining what retirement homes could look like. Plus, his take on hiring friends, why he prioritises value over cost-cutting, and the advice he would give aspiring entrepreneurs. Every experience leads somewhere. Tune in to hear how Johnathan's journey might help you make sense of the dots in yours.   00:00 Intro 01:04 Family business and entrepreneurial background 03:01 Discussion about parents running businesses 04:15 Studying hospitality and business management 05:12 Regrets and educational journey 07:04 Getting married and financial considerations 07:47 First jobs and early career experiences 12:17 Needing a salary raise 15:06 Asking for a raise and the emotional reaction from his mom 18:38 Considering pharmaceutical sales and commercial diving for money 20:38 Joining Vulcan Post and evolving into GRVTY Media 24:33 The creation of "Real Talk" and challenges with monetization 27:05 Differentiating GRVTY Media from other creative agencies 30:51 Overthinking vs underthinking in business decision-making 34:04 Managing talents and challenges of talent retention 39:03 Lessons on business models and avoiding a race to the bottom 42:06 Interest in solving retirement issues and future goals 49:50 The "Last Resort" 50:10 The emotional toll of being an entrepreneur 53:51 Different personality types for different persons 55:49 Firing people 57:12 Quitting GRVTY Media 59:58 Hiring friends and firing friends 1:04:20 Finding the source of the problem in the company 1:06:30 It's just a job 1:07:26 Future plans, who is going to take over GRVTY Media 1:09:51 Underdog fears 1:11:20 First impression leads to connections 1:11:48 Advice to entrepreneur 1:13:03 Superpower to help at your work 1:20:08 Closing thoughts 1:20:20 Outtakes

Buying your first property is a significant milestone, but what happens when you decide to do it with a friend? George , Jun Wei, and Yu Rong from PropertyLimBrothers talk about crucial decisions that Ryan, a 28-year-old earning $6,000 per month, must make as he plans to co-own a property. They break down why floor plan efficiency matters for long-term value, how to spot price differences within the same development, and how much Ryan can actually afford to borrow.   More importantly, they tackle the tough but necessary questions: What happens if one party wants to sell? Gets married? Loses their job? Can a legal agreement protect both owners? Plus, they reveal why 900+ sqft three-bedders are becoming hot investments, if Yishun could be the next big thing, and what to expect in the 2025 property market.   If you're thinking about buying with a friend, be sure to watch this episode firs   00:00 Introduction 00:41 Ryan's Profile: 28 Years Old, $6,000 Income 01:05 Young Homebuyers: Is Property Investment Possible? 03:09 The Potential of 900+ Sqft 3-Bedroom Units 05:14 Best Bus Interval and Capacity near a development 07:05 Tips for Symphony Suites Homeowners 10:06 Upcoming Transport Changes & Area Transformation 13:02 Can Ryan Afford a Property? Loan Calculations 15:58 Buying Property with Friends: Key Considerations 18:46 Risks & Challenges in Co-Investing 22:02 Financial Structuring: Agreements & Exit Strategies 27:26 Why Solo Investing Might Be Better 30:47 Handling Unexpected Income Growth & Market Timing 36:07 Renting vs. Buying: Financial Implications 40:26 2025 Market Predictions & Property Trends 45:07 The Role of Old Money in Real Estate Investments 50:03 Smart Investment Strategies 55:01 Closing Words 56:17 Outtakes

What if the home you choose today could either unlock financial freedom or become your biggest regret? Today on NOTG, George, Jun Wei, and Yu Rong dive into the high-stakes decision faced by personas Peter and Lucy, a couple earning $25,000 each, torn between a landed property or a high-quantum 4- or 5-bedder condo.   With a $4 million to $5 million loan on the table, the wrong move could mean stretching their finances too thin or missing out on future gains. Should they prioritise an own-stay home, an investment strategy, or a mix of both? Which option carries the biggest risks or the highest upside? The discussion digs into the real impact of stress test rates, explores landed home conditions, and breaks down how uneven income between partners can affect ownership structure.   Plus, why installing a lift in a landed home might be one of the smartest investments they can make. For those planning their next big property decision, this episode offers a data-driven perspective on what works, what doesn't, and how to make the most of every dollar invested. Tune in now!   00:00 Introduction 01:31 Today's Topic: Real Estate Personas 03:03 Peter & Lucy: High-Income Home Buyers' Dilemma 04:09 Common Fears When Buying Property 05:46 Financial Calculations & Loan Considerations 08:04 Case Study: A Couple's Real Estate Investment Strategy 10:30 Leasehold Concerns & En Bloc Discussions 14:10 Evaluating New Launch vs. Landed Property 16:37 Landed Property Rental Yield Considerations 19:05 Weighing Risk & Reward in Property Investment 23:58 Peter & Lucy's Property Investment Options 30:12 Financial Strategy: Diversifying Real Estate Investments 39:00 Understanding Property Classes (Landed, Condo, HDB) 45:17 Property Selection Factors & Market Trends 54:13 Next Episode... 55:08 Outtakes

‘People buy people first,' says global speaker Eric Feng, who has built his reputation on this principle, going from being invisible to speaking in 38 countries and shaping the way experts brand themselves. Now writing his fourth book, he shares why public speaking, personal branding, and AI are shaping the future of business and influence.   In this episode of NOTG, Melvin Lim speaks with Eric about the marketing skill too many entrepreneurs ignore, how personal branding safeguards opportunities, and why AI will either propel businesses forward or leave them behind. He also reflects on how his life-changing experience with Brugada Syndrome led him to rethink success. From navigating the experimental years of your 20s to turning passions into professional impact, Eric offers insights that shift perspectives and challenge the status quo.   Tune in for a session that speaks to every stage of the journey. If you're seeking direction in your career, business, and legacy, don't miss this one. It's a powerful conversation that will challenge perspectives and redefine how we approach business, branding, and life.

Buying a home as a single professional can be a tough decision—HDB resale, 2-room BTO, or a 1-bed condo—the options are vast! In today's NOTG episode, Yu Rong, Jesley, and Jun Wei talk about the key factors every single homebuyer should consider, from affordability to flexibility and long-term investment potential.   They break down the pros and cons of each option, including the 5-year MOP commitment of an HDB resale, the budget-friendly yet lengthy wait for a 2-room BTO, and the flexibility of a 1-bed condo, which also comes with its own set of challenges. Beyond just the numbers, this episode also tackles the realities of living alone, the independence it brings, and how to make a future-proofed decision when choosing the right home. Plus, get exclusive insights into 2025 market predictions and the best areas for singles looking to invest in property.   If you're planning your next move as a single who has just hit the tender age of 35, don't miss this advice on home-buying! Timestamps: 00:00 Intro 00:51 Charmaine persona preview (Single professional) 03:00 Options 16:50 Looking at 1-Bedder units 20:20 Finding the right unit 23:30 Lee Jun Wei's free tip 28:28 2025 Predictions 35:00 Closing thoughts 42:41 Outtakes

Upgrading from an HDB flat to a condo may seem like a dream—but is it the right move for you? In this week's episode of NOTG, Yu Rong, Jesley, and Jun Wei talk about the fears, finances, and opportunities surrounding Singapore's most commonly considered first property upgrade.

   Through the real-life case of John and Michel—a 33-year-old couple with a combined income of $14,000—they break down critical considerations like managing higher monthly instalments, understanding principal and interest payments, and leveraging dual-key units to offset mortgage costs. They also examine whether splitting their purchase into two smaller properties could yield better returns while addressing concerns about shrinking condo sizes and the effects of HDB cooling measures on property appreciation. 

 Curious about navigating government policies, balancing affordability with space, or exploring creative financing strategies? Watch on to uncover actionable strategies for building wealth and managing risks in Singapore real estate.   Timestamps: 00:00 Intro 00:51 Charmaine persona preview (Single professional) 03:00 Options 16:50 Looking at 1-Bedder units 20:20 Finding the right unit 23:30 Lee Jun Wei's free tip 28:28 2025 Predictions 35:00 Closing thoughts 42:41 Outtakes

What does it take to build a thriving solar energy business in a country where scepticism still exists? Today on NOTG, Grayce from PropertyLimBrothers sits down with Satish Prasath, Founder and Director of PMCE, to share his lesson-filled journey of starting a solar panel company in Singapore from scratch.    From navigating misconceptions about solar panels to handling client-employee dynamics, Satish shares the lessons that have shaped him and his business. He reveals how focusing on character over technical skills has grown his team, why tangible proof like reduced electricity bills is key to winning over clients, and how one happy customer can lead to ten more.    Curious about the costs, benefits, and ROI of solar panels? Wondering how REC (Renewable Energy Certificate) works or what happens if you sell your home before achieving ROI? Satish breaks it all down, offering practical advice for homeowners and business owners alike. Plus, he reflects on his toughest decisions, the importance of simplicity in running a business, and how his mother's wisdom set him on the path to success. Don't miss this episode and be inspired to start owning your energy today!   Timestamps: 00:00 Intro 01:05 Usual operation issues running a solar power business 05:00 Background 16:09 Winning the trust of customers 18:32 PMCE Team 26:05 Is it worth it to install solar panels? 35:20 Selling a home with solar panels 36:25 Solar panels longevity 38:15 Maintenance 39:15 Solar Panel app 40:40 Total clients 42:25 Installation process 48:00 Solar panel roof criteria 49:50 Other services 53:45 Customer relationship 54:30 Advice to aspiring entrepreneurs 55:35 Learning lessons from previous projects 58:50 One trait that guarantees success in running a business 1:00:50 Closing thoughts 1:01:55 Outtakes

In continuation of their conversation from last week's episode, George, Jesley, and Yong Zhun tackle the dynamics of property investment for couples in their mid-30s. Particularly, couples who are eyeing their next property but face uncertainties along the way. The crew weighs in on this key decisions—to sell the current home, or hold and pivot, as well as the nuances of decoupling. Understand how the URA Master Plan could influence property purchase decisions, and hear success stories of real couples who've made the leap from HDBs to freehold private properties with confidence. For mid-30s couples planning their next property move, be sure to watch this episode as it explores key strategies on rentvesting, financial planning, and selecting the ideal location to build a strong property portfolio. And to celebrate 100 episodes of NOTG, we're excited to host an exclusive giveaway! All you need to do is share a topic suggestion that you would like us to explore on NOTG. Three best suggestions will be handpicked, and each winner will receive a special prize to commemorate this exciting journey!   Timestamps 00:00 Intro 01:38 Ian & Grace (2 Condo Buyer) 08:38 Holding or Selling (Advice) 20:18 Owning two properties 22:48 Selling 1 to buy 2 properties 26:38 Buying an 1-Bedder 28:48 Buying options 36:03 Dual-key 39:46 Tiktok lingo 43:02 What to buy? 48:51 Closing thoughts

This week, George, Jesley, and Yong Zhun from PropertyLimBrothers discuss the journey of young couples in their late 20s as they navigate the complexities of buying their first home. Using the example personas of Wayne and Joanne, they break down the essential steps for making informed and confident decisions in today's property market.   Focusing on the "Spring season" of life (ages 25-35), they explore how couples often aspire to upgrade but may feel uncertain about where to begin. Watch to understand the importance of setting a realistic budget, aligning property choices with long-term goals, and learning about financial readiness, rental strategies, and managing cash flow. They also provide an overview of current property prices and waiting times.   Does this persona represent you? Unsure whether to invest in a BTO, resale HDB, or condo? This episode will shed light on each option, their respective timelines, and government regulations—each of which requires careful consideration.   Timestamps: 00:00 Intro 00:55 Persona Wayne & Joanne (1st Time Buyer) 07:50 Unsure buyers 09:30 Hard to be a house husband 10:40 Timeline 16:18 Different risks 17:10 Thinking about your exit 22:25 Fears of a 27 years old 33:06 Waiting and save up for a better property 42:40 Rental yield play 50:59 Price now of BTO 1:01:15 Ideal advice 1:05:24 Next episode 1:05:58 Bloopers

This week on NOTG, Melvin Lim, Co-Founder and CEO of PropertyLimBrothers chats with Sarah-Mae Thomas, a seasoned divorce & family lawyer who has practiced law across several continents and now leads her own firm in Singapore. Known for her compassionate yet pragmatic approach, Sarah-Mae shares how her faith and a life-changing case shifted her perspective on divorce, making her an advocate for therapeutic justice.Sarah-Mae shares about the surprising realities of dividing properties in divorce cases, where ownership percentages mean little, and how cases involving short marriages differs from long-term unions. She also unpacks the challenges faced by young couples who separate after applying for a BTO flat but before meeting the MOP, along with the complexities surrounding inheritance and overseas properties.Beyond the legalities, Sarah-Mae reveals her personal journey of building her own firm and maintaining balance in a high-stress profession. Join us for an eye-opening conversation that explores the intersection of divorce and real estate, providing thoughtful insights for navigating one of life's toughest transitions.

As people enter their 50s, many start to shift their focus from rapid growth to preserving the wealth they've built over the years, particularly in real estate. Yu Rong and George Peng discuss how property investment strategies should evolve during this consolidation phase, ensuring financial stability while still seizing opportunities for growth.   They dive into the current state of the Singapore property market, examining the slight uptick in property prices and how this might align with anticipated interest rate reductions next year. With 2025 on the horizon, they provide a thoughtful analysis of how these shifts could impact property prices and market sentiment moving forward. You'll also hear a real-life strategy for single-income families looking to expand from one property to two, along with a deeper understanding of how interest costs can impact your decisions.   Tune in for a comprehensive understanding of how to make strategic decisions in real estate when making big moves into the next chapter of life!   Timestamps 00:00 Intro 01:03 “Can you upgrade to another property in your Winter Season?” (Continue from episode 1) 03:44 Life-stage Investing 06:33 Yu Rong client case study 09:15 “Is aiming to get 20% returns in property investment better than using other investment methods?” 17:11 Property price increase in Q3 statistics 22:59 Two differing opinions when property prices are at an “all time high” 25:51 Price projections and market sentiment predictions for 2025 27:24 Factors that make Singapore a safe haven for property buying 28:59 Price projections and market sentiment predictions for 2025 (Continue) 30:41 “Why are stress test percentages dropping?” 31:24 Price projections and market sentiment predictions for 2025 (Continue) 39:46 “Do you foresee any cooling measure being introduced?” 41:49 Lower level large units reaching highest quantum gain 44:17 Resale seller/owner sentiments 46:31 Increase in PSF pricing in 2025 47:22 “Do you think high quantum 4/5 bedder buyers will crossfire into the landed segment and have a tough time exiting?” 51:03 Increasing “hype” and excitement at new launch show flats post COVID 51:59 “People are underestimating income/asset value of private property participants in their 30s.” 52:38 George's client case study 53:34 “People are underestimating income/asset value of private property participants in their 30s.” (Continue) 57:51 Outtakes

Melvin Lim, Joan, and Yong Zhun from PropertyLimBrothers talks about the Winter season of life—associated with retirement—but let's look at it as a time for freedom, opportunity, and sharing wisdom. Learn financial planning and real estate strategies designed to help you overcome the complexities of the retirement season.   Today, they discuss how property ownership impacts financial freedom, why Singapore's real estate market attracts high-net-worth individuals and foreign investors, and the role population retention plays in shaping property values. Understand into the importance of early retirement planning, understanding income streams—classified into active, passive, or asset-based—and mastering the art of transitioning seamlessly into this pivotal stage of life.   Hear real-life stories and practical advice that shed light on why jumping into investments out of FOMO can backfire, while tackling the risks and rewards of the real estate market. Gearing up for your Winter season or already living in it? Tune in to this episode now and learn the strategies to make data-driven choices and redefine retirement in your own way!   Timestamps 00:00 Intro 00:40 Introduction on the Winter Season 02:03 Ideal retirement age 06:27 Melvin's client story 10:06 3 Types of Incomes 15:03 Introduction of Autumn Season persona (Peter and Lucy) 15:19 Typical property ownership timeline (up to autumn season) and options for winter season 23:25 Typical cost of living of a winter season couple 25:55 Financial and property buying tips for winter season 30:15 Investment risk appetite assessment and investment advice 34:06 Cashflow Quadrant guide 38:26 Investment risk appetite of the different seasons 40:31 Property ownership anxiousness: Own stay vs Investment 42:22 Melvin's investment timeline methodology 44:17 Property ownership anxiousness (continued) 47:48 Winter season case studies 55:01 Different ways to divest 57:26 Winter season case studies (continued) 59:05 Statistics: "Top countries and territories gaining and losing millionaires in 2023" 1:02:17 Why are millionaires and foreign investors attracted to Singapore? 1:05:07 CCR vs RCR vs OCR 1:05:19 Increase in ABSD for foreigners (why it happened and how to improve it) 1:10:32 Final thoughts on winter season 1:14:32 Outtakes

Myths and misconceptions often hold buyers back in Singapore's property market, leaving many unsure of how to maximise returns or navigate rising costs effectively. This week on Nuggets On The Go, Melvin Lim, George, and Yu Rong from PropertyLimBrothers explore deep into the strategies that help investors and upgraders navigate key decisions.   They talk about the impact of “coordinated psychology” in new launches, the importance of harmonised floor plans, and why focusing on quantum over PSF can lead to better investment outcomes. They also discuss practical challenges such as saving for down payments, managing the resale versus new launch debate, and reframing monthly instalments as “forced savings” for HDB upgraders. Tackling whether fully paying for property is the best move, the episode provides insights into balancing financial commitments with long-term returns.   Learn about the alternative strategies for buyers, practical financial planning approaches, and the impact of shifting interest rates on Singapore's property market. All these and more on this episode!   Timestamps 00:00 Intro 00:57 “What is Herd Mentality?” 02:04 “Why do people buy into New Launch?” 03:44 “Which New Launch should I buy for the most capital appreciation?” 08:25 “Should you fully pay for their property without loans?” 11:39 New Launch vs Resale 15:45 “What is the fastest way for new buyers to save up for a down payment on a New Launch?” 20:54 “Should you keep your HDB or upgrade to a Condo?” 28:25 “Can you upgrade to another property in your Winter Season?” 34:06 A lot of projects TOP in 2027 34:55 Part 2 Teaser 35:24 Outtakes

Jointly buying a property with a friend in Singapore can feel like a creative solution to rising prices—but is it the right move? In this second part of NOTG banter between George, Alexa, and Yong Zhun from PropertyLimBrothers, they explore the complexities of co-ownership, using buyer persona Laura's journey as a case study. As a 37-year-old single HR manager earning S$8,500, Laura considers co-buying with a friend to navigate affordability challenges.    They break down essential considerations, from CPF utilisation and loan eligibility to the legal frameworks of Joint Tenancy and Tenancy-in-Common. George, Alexa, and Yong Zhun highlight how these structures affect ownership rights, exit strategies, and inheritance. Real-life examples illustrate the risks of misaligned expectations, from en bloc disagreements to personal changes like marriage or career shifts.    Stay tuned for insights into financial planning, and an analysis of how interest rate changes impact Singapore's property market and how it may impact property buying with friends.   Time Stamps 00:00 Intro 00:38 Introduction of persona (Laura) 00:50 Persona profile 03:05 Rationale behind buying a home with a friend 05:50 Options for Laura 07:00 Concerns of buying with a friend 10:00 George's client case study 12:57 Concerns of buying with a friend (continued) 17:08 "Would you buy with a friend and is it worth it?" 20:43 Advice for Laura 22:20 Financial calculations for Laura 23:19 Advice for Laura (continued) 25:16 Non-landed Private Price statistics 26:18 Advice for Laura (continued) 27:18 Financial calculations for Laura (continued) 30:11 Property Recommendations for Laura 31:30 Financial calculations for Laura (continued) 33:44 How news and the media impacts buyer decisions 34:28 Article: Fed rate cuts during the "Great Recession." 35:28 Final thoughts and recap 36:57 Outtakes

This episode of NOTG references Ian and Grace, a married couple in their late 30s with a clear goal: to invest in multiple properties and assets. Like many investors at this stage, they face challenges such as rising interest rates, uncertainty about timing, and a lack of clarity on their next steps.   George, Alexa, and Yong Zhun from PropertyLimBrothers dives into strategies tailored for those aged 35 to 45 with high earning power. They talk about essential in-and-out strategies to unlock capital growth while tackling today's market challenges critical considerations for property investment, from assessing financial readiness—loan amounts, income, mortgage terms, and MCST costs—to balancing needs and wants.   Plus, find out what are the red flags to watch out for to avoid costly mistakes. Boost your confidence in property investment decisions. Tune in for thoughtful strategies, real-life examples, and expert frameworks designed to elevate your property journey!   Timestamps 00:00 Intro 00:51 Real estate buying seasons 01:47 Summer season recap 02:26 Introduction of personas (Ian & Grace) 04:57 Estimated TDSR/MSR values (and options) for Ian & Grace 06:17 Recommendations for Ian & Grace 12:02 Jurong area developments 16:19 Punggol/Seng Kang area developments 18:19 Property options for Ian & Grace in the Jurong area 22:32 Property options for Ian & Grace in the Punggol/Seng Kang area 25:44 Financial calculations for Ian & Grace 32:54 Buy 2 resale vs buy 1 new launch 36:33 Financial calculations for Ian & Grace (continue) 38:14 Alexa's client case study 40:02 Calculations for new launch 41:15 Alexa's client case study (continue) 42:20 Things to take note before buying into a property (sudden changes in your life, economy and policy) 43:27 Other investment options and investment tips 55:29 Non-landed Private Historical Price Index graphs 1:00:06 "Buying the Wrong Property" 1:02:21 New Launch vs Resale 1:04:36 Own Stay vs Investment 1:07:09 Closing Statements 1:10:45 Part 2 Teaser 1:11:23 Outtakes

Internet sensation Kelvin Tan, more popularly known as Mayiduo, has an entrepreneurial journey that is an inspiring story of grit, growth, and unwavering vision. Leaving behind a traditional career path in ACCA to pursue his passion, Kelvin has built three thriving businesses, now earning $10 million in revenue.   In this episode of the NOTG Podcast, Melvin Lim from PropertyLimBrothers chats with Kelvin about his resilience and journey of self-discovery as an entrepreneur, filmmaker, and visionary behind EL Print, SG Interior Design, and Double Up Media. Learn how failures became Kelvin's greatest mentors, shaping his mindset and teaching him invaluable lessons about leadership, communication, and perseverance. Kelvin will also share about the upcoming regulations and accreditations surrounding interior designers, and what he thinks about ID firms that disappear overnight.   Hear how he aligns his career with his personal mission, fostering creativity and pursuing his aspirations in filmmaking and the Southeast Asian movie industry. All these and more on this episode of NOTG!   Time Stamps 00:00 Intro 00:33 Mayiduo's education history 02:45 Advice for young entrepreneurs 05:30 Sustainable Success 06:24 Importance of specializing and honing in on your skills (Traits that lead to success) 07:47 Most important skill for success 09:06 Toughest challenge of being a business owner 10:32 Most rewarding part of being a business owner 11:45 "Which of your 3 businesses are you focusing on the most now?" 12:24 Globalisation and its impacts on the apparel printing industry 13:24 Importance on being flexible with your business 14:16 "What did you learn about the market after owning multiple businesses?" 16:23 Mayiduo's journey in the renovation business 17:11 How to overcome the fears of starting a business 18:59 Mayiduo first viral video 19:53 Current status on his renovation business (Current projects, employee count, etc) 22:12 "How does it feel to hand over a company?" 23:32 "What is the renovation industry like in Singapore?" 24:39 Interior Design Accreditation 25:39 Issues with Singapore's renovation industry 27:45 How to choose an Interior Design firm 28:45 "What is one memorable case study that you have?" 30:16 Struggles of Interior Designers 31:57 Interior Designer's payment model 32:38 Struggles of Interior Designers (continued) 34:07 "How do you encourage, motivate and reward your employees?" 36:09 Mayiduo's future plans (New film, personal life plans) 36:58 "Southeast Asian Film industry is untapped." 37:25 Mayiduo's plans to tap into the local film industry 39:37 "What helped you to becoming a film director?" 41:44 Final advice for aspiring/young business owners 45:57 Q&A: "What is one advice you would give to your younger self?" 46:28 Q&A: "In what ways do your career align with your mission in this world?" 46:57 Outtakes

This week, Melvin Lim, Co-Founder and CEO of PropertyLimBrothers, speaks with Tay Chi Keng, a finance YouTuber renowned locally for his thrifty investment philosophy.   Chi Keng started creating finance content during his university days over three years ago and quickly built a name for himself with his sharp analysis and bold plays in the Chinese tech market. What's the secret to his success? Simply to: “Buy cheap”. He's got strong opinions on bonds (spoiler: not a fan) and shares the importance of building networks and spotting signals to make confident moves.   Melvin brings his real estate perspective into the mix, contrasting Tay's stock market manoeuvres and how property popularity plays into successful investments. Get ready for a blend of finance talk and invaluable lessons that will reshape how you think about investing. Find out what Chi Keng thinks of the stock market's future as well.   Timestamps:  00:00 Intro 00:52 Why finance content? 04:30 All intelligent investing is value investing 08:28 How to hunt for your next stock investment 12:22 Gut feeling to invest 13:35 Does the popularity of the stock matter? 15:06 All in investing 18:50 Losing to inflation 21:49 Seasons of investing in a life cycle 22:19 Are cash being eroded? 23:02 Losing money in investments 27:32 Why invest in China? 39:04 Cashing out of China stocks 42:44 Prediction to the stock market next year 45:54 Timing your investment 48:10 Full time content creator? 52:31 Stop creating content? 53:23 AI stocks / NVIDIA Stocks 01:00:48 Friends asking for investment advice 01:03:05 Plan towards age 30 01:06:15 Share buyback 01:08:08 First stock / Future business plans 01:09:34 Experience losing money 01:12:04 If time and money is not a concern 01:13:27 Outtakes

In this episode, Melvin Lim, Co-founder and CEO of PropertyLimBrothers, sits down with Chris Chong, the force behind @HoneyMoneySG. From a corporate career to a full-time content creator, Chris has taken a unique path to share valuable insights on personal finance and CPF.   Since starting his YouTube channel in 2021, Chris has since built a dedicated following with his straightforward takes on money matters, especially how to maximise CPF for a secure financial future. Chris and Melvin discuss what it takes to grow your income strategically, use CPF for investments, and overcome limiting beliefs that can hold you back. Chris also gives practical advice on channel monetisation and shares the critical steps he believes are essential for financial freedom.   Hear what Chris has to say about investing in property and self-improvement as the ultimate ways to tackle inflation head-on. Learn why personal finance is more than just numbers—and how to make your money work smarter for you!   Timestamps: 00:00 Intro 01:41 How HoneyMoneySG started 05:22 Career transition from Finance to Logistics 06:57 Making videos about CPF 11:47 Reducing expenses 13:10 CPF investing 16:43 Benefits about moving to Malaysia 23:50 5 year plan 24:20 Mindset about money 27:45 Investing to memories 32:08 Monitising HoneyMoneySG YouTube channel 35:18 Financial Independence, Retire Early (FIRE) Retirement 40:25 Ideal retirement 47:38 Fighting inflation 51:21 One of the best investments 53:03 Burn out 56:22 Quiting to pursuing a career in YouTube 59:10 Meaning of current work 01:01:08 Recent goals 01:02:26 Sharing milestones 01:03:11 Closing thoughts 01:04:05 Outtakes

Jesley, Alexa, and George from PropertyLimBrothers talks about the essential strategies specifically for HDB upgraders like John and Michel, and continues on the search for their right property.   This young, ambitious couple is eager to grow their wealth by moving into the condo market—but with big investments come big decisions, and they're understandably cautious about the risks. Learn why supply, demand, and property age are essential factors when scouting for your ideal condo—and don't miss George's personal advice if he were in John and Michel's shoes!   The team also discuss why timing is crucial for upgraders, what to keep in mind when choosing a property. and compare investments in stocks vs real estate. Packed with real-life examples and expert advice, this episode is also your guide towards making the best possible real estate decisions.   Timestamps : 00:00 Intro 00:37 John and Michel Introduction 01:59 Real Estate “Horror Stories” 04:09 Investing in stocks vs real estate 08:16 Motivations to upgrade to a condo in your 30s 08:48 Financial planning for John and Michel 11:55 George's Punggol HDB Sale 14:25 Things to consider before upgrading from HDB to Private 16:16 George's Punggol HDB Sale (Continue) 16:26 Expansion Phase vs Consolidation Phase 17:05 Advice to John and Michel 19:02 New Launch vs Resale Condo 21:04 GFA Harmonisation 21:25 What is the “best” New Launch to buy right now? 22:07 New Launch vs Resale Condo (Continue) 23:03 Advice to John and Michel (Continue) 24:44 Couple's concerns with 99 to 1 property ownership 26:52 Advice to John and Michel (Continue) 27:57 Closing 28:06 Outtakes

Jesley, Alexa, and George from PropertyLimBrothers talk about the FED's 15% interest rate cut could reshape the real estate market in 2025. With the rate reduction aimed at curbing inflation, the property market is buzzing with new opportunities. If you're newly married, early in your career, and looking to make the smartest property move—this episode is for you. They break down the impact of lower interest rates on property demand, discussing whether now is the time to buy or if waiting is a smarter strategy. Is the resale market about to heat up? How will enhanced housing grants and reduced loan-to-value ratios affect HDB buyers? Through the persona of a young couple, Wayne and Joanne—fresh graduates navigating their first big property decision—our team answers key questions like: Should you choose a BTO flat or resale HDB? What about a 2-bedroom condo? And how do you make sure your first property sets you up for future capital gains?   With engaging discussions on grants, market trends, and future-proofing your real estate decisions, this episode provides actionable insights tailored for those in the Spring of life. More on this episode!   Timestamps: 00:00 Intro 01:25 Article: "Fed slashes interests rates by a half point" 03:35 Client's opinions on interest rate cuts 05:21 Article: "2 ways the latest fed interest rate cut affects Singaporean homeowners" 08:59 Article: "Measures to cool the HDB resale market and provide more support for first-time home buyers" 09:28 Thoughts on latest cooling measure 10:43 Who is affected by the cooling measure? 13:53 Increase in Enhanced CPF Housing Grants (EHG) 14:30 Who is affected by the cooling measure? (Continue) 18:59 Article: "How would reduced loan-to-value (LTV) limit, larger housing grants affect HDB buyers?" 19:58 Article: "Vast majority of HDB buyers not affected by tighter loan-to-value (LTV) limit" 21:09 Wayne and Joanne introduction 22:12 Advice for Wayne and Joanne 42:24 George's life experiences and property buying journey 47:41 Advice: "First-time home buyers should take their time and get a second opinion before buying a home" 48:19 Alexa's life experiences and property buying journey 50:43 3 factors to determine what properties you can buy 51:11 Advice: "First-time home buyers should take their time and get a second opinion before buying a home" (Continue) 52:20 Teaser for Part 2 52:52 Outtakes

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

Part 2 of Melvin Lim's chat with Seth Wee from Sethisfy dives into the nitty-gritty of credit card rewards. He breaks down when to go for cashback or miles, explaining the financial logic behind each choice and how you can maximise your credit card benefits. Seth also tackles the opportunity cost of travel rewards and shares pro tips for getting the best bang for your buck.   But that's not all—Seth reveals some savvy credit card hacks, like manufactured spending and using intermediary services to supercharge your rewards. He opens up about balancing a full-time job with a side hustle in credit card content creation, giving insights into time management and how to monetise your skills. Plus, he gives advice for young professionals on holistic financial planning and smart investing.   Seth also looks to the future, sharing his thoughts on the role of AI and tech advancements. He talks about AI potentially surpassing human intelligence and its current use in recommending credit cards, while stressing that human expertise is still crucial for the best advice. All these and more on this concluding episode of NOTG with Seth from Sethisfy! (00:00:00) Intro (00:00:38) Against credit cards (00:02:18) Ways to monitor all your credit cards (00:03:33) Does the amount of credit cards affect credit rating? (00:05:15) Credit card strategies (00:06:10) Miles or Cashback (00:10:06) Not paying for your next flight (00:10:16) Selling off your miles (00:11:31) Credit card hacks / manufactured spending (00:15:55) Managing credit cards (00:17:35) Promos and deals (00:18:50) Sethisfy telegram channel (00:19:46) Monitising Sethisfy YouTube channel (00:20:13) Day job (00:23:21) Advice for fresh graduates (00:25:22) Becoming a content creator (00:26:19) 5 years plan (00:27:19) Other investments (00:29:41) Mentors (00:31:01) Future of AI (00:34:04) Closing thoughts (00:34:41) Outtakes

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