NOTG - Nuggets on the Go by PropertyLimBrothers

#99: The Best Property Choices for Couples in Their Late 20s

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 Intro00:55 Persona Wayne & Joanne (1st Time Buyer)07:50 Unsure buyers09:30 Hard to be a house husband10:40 Timeline16:18 Different risks17:10 Thinking about your exit22:25 Fears of a 27 years old33:06 Waiting and save up for a better property42:40 Rental yield play50:59 Price now of BTO1:01:15 Ideal advice1:05:24 Next episode1:05:58 Bloopers

#98: How Divorce Impacts Your Properties & Investments - Insights from a Family Lawyer

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.

#97: Wealth Preservation Best Practices for 50-year-olds & 2025 Market Projections

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 Intro01:03 “Can you upgrade to another property in your Winter Season?” (Continue from episode 1)03:44 Life-stage Investing06:33 Yu Rong client case study09:15 “Is aiming to get 20% returns in property investment better than using other investment methods?”17:11 Property price increase in Q3 statistics22:59 Two differing opinions when property prices are at an “all time high”25:51 Price projections and market sentiment predictions for 202527:24 Factors that make Singapore a safe haven for property buying28:59 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 gain44:17 Resale seller/owner sentiments46:31 Increase in PSF pricing in 202547:22 “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 COVID51:59 “People are underestimating income/asset value of private property participants in their 30s.”52:38 George’s client case study53:34 “People are underestimating income/asset value of private property participants in their 30s.” (Continue)57:51 Outtakes

#96: How To Gear Up For Financial Freedom, Passive Income & Retirement

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 Intro00:40 Introduction on the Winter Season02:03 Ideal retirement age06:27 Melvin's client story10:06 3 Types of Incomes15:03 Introduction of Autumn Season persona (Peter and Lucy)15:19 Typical property ownership timeline (up to autumn season) and options for winter season23:25 Typical cost of living of a winter season couple25:55 Financial and property buying tips for winter season30:15 Investment risk appetite assessment and investment advice34:06 Cashflow Quadrant guide38:26 Investment risk appetite of the different seasons40:31 Property ownership anxiousness: Own stay vs Investment42:22 Melvin's investment timeline methodology44:17 Property ownership anxiousness (continued)47:48 Winter season case studies55:01 Different ways to divest57:26 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 OCR1:05:19 Increase in ABSD for foreigners (why it happened and how to improve it)1:10:32 Final thoughts on winter season1:14:32 Outtakes

#95: Herd Mentality Buying, Downpayment Saving Tips & Condo TOP Impact in 2027

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 Intro00:57 “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 Resale15:45 “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 202734:55 Part 2 Teaser35:24 Outtakes

#94: Buying Property with Friends: Pros & Cons, Risks, Challenges & Legal Tips

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 Stamps00:00 Intro00:38 Introduction of persona (Laura)00:50 Persona profile03:05 Rationale behind buying a home with a friend05:50 Options for Laura07:00 Concerns of buying with a friend10:00 George's client case study12:57 Concerns of buying with a friend (continued)17:08 "Would you buy with a friend and is it worth it?"20:43 Advice for Laura22:20 Financial calculations for Laura23:19 Advice for Laura (continued)25:16 Non-landed Private Price statistics26:18 Advice for Laura (continued)27:18 Financial calculations for Laura (continued)30:11 Property Recommendations for Laura31:30 Financial calculations for Laura (continued)33:44 How news and the media impacts buyer decisions34:28 Article: Fed rate cuts during the "Great Recession."35:28 Final thoughts and recap36:57 Outtakes

#93: Multiple Property Investment, Financial Readiness & New Launch vs Resale

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!
 
Timestamps00:00 Intro00:51 Real estate buying seasons01:47 Summer season recap02:26 Introduction of personas (Ian & Grace)04:57 Estimated TDSR/MSR values (and options) for Ian & Grace06:17 Recommendations for Ian & Grace12:02 Jurong area developments16:19 Punggol/Seng Kang area developments18:19 Property options for Ian & Grace in the Jurong area22:32 Property options for Ian & Grace in the Punggol/Seng Kang area25:44 Financial calculations for Ian & Grace32:54 Buy 2 resale vs buy 1 new launch36:33 Financial calculations for Ian & Grace (continue)38:14 Alexa's client case study40:02 Calculations for new launch41:15 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 tips55:29 Non-landed Private Historical Price Index graphs1:00:06 "Buying the Wrong Property"1:02:21 New Launch vs Resale1:04:36 Own Stay vs Investment1:07:09 Closing Statements1:10:45 Part 2 Teaser1:11:23 Outtakes

#92: Mayiduo on Choosing Business over School, Life in Interior Design & Media Plans

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 Intro00:33 Mayiduo's education history02:45 Advice for young entrepreneurs05:30 Sustainable Success06:24 Importance of specializing and honing in on your skills (Traits that lead to success)07:47 Most important skill for success09:06 Toughest challenge of being a business owner10:32 Most rewarding part of being a business owner11:45 "Which of your 3 businesses are you focusing on the most now?"12:24 Globalisation and its impacts on the apparel printing industry13:24 Importance on being flexible with your business14:16 "What did you learn about the market after owning multiple businesses?"16:23 Mayiduo's journey in the renovation business17:11 How to overcome the fears of starting a business18:59 Mayiduo first viral video19:53 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 Accreditation25:39 Issues with Singapore's renovation industry27:45 How to choose an Interior Design firm28:45 "What is one memorable case study that you have?"30:16 Struggles of Interior Designers31:57 Interior Designer's payment model32:38 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 industry39:37 "What helped you to becoming a film director?"41:44 Final advice for aspiring/young business owners45:57 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

#91: Buying Cheap, Spotting Investment Opportunities, and How Invest with Confidence

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 Intro00:52 Why finance content?04:30 All intelligent investing is value investing08:28 How to hunt for your next stock investment12:22 Gut feeling to invest13:35 Does the popularity of the stock matter?15:06 All in investing18:50 Losing to inflation21:49 Seasons of investing in a life cycle22:19 Are cash being eroded?23:02 Losing money in investments27:32 Why invest in China?39:04 Cashing out of China stocks42:44 Prediction to the stock market next year45:54 Timing your investment48:10 Full time content creator?52:31 Stop creating content?53:23 AI stocks / NVIDIA Stocks01:00:48 Friends asking for investment advice01:03:05 Plan towards age 3001:06:15 Share buyback01:08:08 First stock / Future business plans01:09:34 Experience losing money01:12:04 If time and money is not a concern01:13:27 Outtakes

#90: Is CPF Investment Risky? How To Utilise CPF Wisely and How to Fight Inflation

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 Intro01:41 How HoneyMoneySG started05:22 Career transition from Finance to Logistics06:57 Making videos about CPF11:47 Reducing expenses13:10 CPF investing16:43 Benefits about moving to Malaysia23:50 5 year plan24:20 Mindset about money27:45 Investing to memories32:08 Monitising HoneyMoneySG YouTube channel35:18 Financial Independence, Retire Early (FIRE) Retirement40:25 Ideal retirement47:38 Fighting inflation51:21 One of the best investments53:03 Burn out56:22 Quiting to pursuing a career in YouTube59:10 Meaning of current work01:01:08 Recent goals01:02:26 Sharing milestones01:03:11 Closing thoughts01:04:05 Outtakes