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 capita...
Nov 29, 2024•1 hr 12 min•Ep. 109
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...
Nov 22, 2024•47 min•Ep. 108
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 ...
Nov 15, 2024•1 hr 14 min•Ep. 107
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 wh...
Nov 08, 2024•1 hr 4 min•Ep. 106
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 G...
Nov 01, 2024•28 min•Ep. 105
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 sm...
Oct 25, 2024•53 min•Ep. 104
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 HD...
Oct 18, 2024•1 hr 12 min•Season 3Ep. 87
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 reflect...
Oct 11, 2024•47 min•Season 3Ep. 86
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 ...
Oct 04, 2024•52 min•Season 3Ep. 85
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 h...
Sep 27, 2024•1 hr 23 min•Season 3Ep. 84
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 an...
Sep 20, 2024•30 min•Season 3Ep. 83
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 loca...
Sep 13, 2024•56 min•Season 3Ep. 82
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 ...
Sep 06, 2024•46 min•Season 3Ep. 81
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 ea...
Aug 30, 2024•57 min•Season 3Ep. 80
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 investment...
Aug 23, 2024•33 min•Season 3Ep. 79
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 cha...
Aug 16, 2024•59 min•Season 3Ep. 78
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...
Aug 09, 2024•35 min•Ep. 103
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 mi...
Aug 02, 2024•35 min•Season 3Ep. 76
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 yea...
Jul 26, 2024•1 hr 34 min•Season 3Ep. 75
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...
Jul 19, 2024•21 min•Season 3Ep. 74
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 tui...
Jul 12, 2024•1 hr 34 min•Season 3Ep. 73
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...
Jul 05, 2024•1 hr 34 min•Season 3Ep. 72
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 thro...
Jun 28, 2024•1 hr 23 min•Season 3Ep. 71
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 val...
Jun 21, 2024•1 hr 51 min•Season 3Ep. 70
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...
Jun 14, 2024•1 hr 44 min•Season 3Ep. 69
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 o...
Jun 07, 2024•37 min•Season 3Ep. 68
New Launch 101! George and Yu Rong talk about all there is to know about new launch condos—their current appeal, how to buy one, its processes and risks, their pros and cons, how to analyse factors such as price comparisons, layouts and locations, buyers’ remorse and more recently, the impact of the GFA harmonisation! But before that, the duo shares their thoughts on HDB’s newest resale portal, which aims to provide a more transparent and seamless transaction process for buyers and sellers, whic...
May 31, 2024•1 hr 10 min•Season 3Ep. 67
The Whiteboard Series is a new series on Nuggets On The Go, focusing on different segments of real estate and exploring its key points in detail. In this first episode of The Whiteboard Series, Melvin Lim, co-founder and CEO of PropertyLimBrothers talks about all things new launch condos and why these projects remain popular among homebuyers, accounting for about 50% of monthly transactions. Stay tuned for an in-depth sharing on what you should know about New Launch condos. Melvin covers 11 key ...
May 24, 2024•30 min•Season 3Ep. 66
The NOTG team continues their discussion with infrastructure development and its influence on property investment decisions. This week, they focus on regional developments, beginning with the impact of the cancelled high-speed rail project between Malaysia and Singapore and the premature hype it generated. They also explore the potential of Woodlands, highlighting the notable appreciation in property prices there over the past few years. In an interesting segment, Melvin raises a few scenarios t...
May 17, 2024•48 min•Season 3Ep. 65
This week, the NOTG team discusses the URA Master Plan and how it can guide property investment decisions. They highlight the importance of understanding different plot zones and the development potential, as well as plot ratios determining the density of developments that might impact properties with previously unblocked views, which, in turn, could affect desirability and eventually their value. Regarding the URA Master Plan, the talk of the town for the longest time has been the development o...
May 10, 2024•48 min•Season 3Ep. 64
