Afina Najib

Senior Content Editor - Singapore

Spending most of her young writer's phase working as a freelancer, Afina's written for various industries ranging from e-commerce, travel to health and finance. Her expertise lies in her ability to make complex subjects like finance easy to consume for everyday readers.

Articles by Afina Najib

Stock Market Crash? What to Do and How to Prepare for An Eventual Crash

A stock market crash involves a sudden, sharp decline in stock prices. While unsettling, understanding how to prepare and react is key. This guide equips Singaporean investors with strategies to navigate downturns and build long-term financial resilience.

Digital Nomad & ‘Workation’ Policies: Protection for Tech Gear, Remote Work, and Extended Stays

Most Singapore travel insurance can cover a workation, but only if your stay fits the policy’s trip limit, your work counts as desk-based, and your laptop is worth less than the plan’s gadget cap. Longer stays, expensive gear and nomad visas usually need extra cover on top of travel insurance.

Condo Ceiling Leak in Singapore: Who Pays & What Insurance Covers

Cash-Out Refinancing in Singapore: How It Works & Key Rules

Looking to unlock some of the value tied up in your property? A cash-out refinance lets you access cash by replacing your existing home loan with a new, larger one, using your private property as collateral.

Payday Loans in Singapore: What Are They and How Do They Work?

A payday loan in Singapore is a short-term, high-cost loan from a licensed moneylender, meant to tide you over until your next salary. Interest is capped by law at 4% a month, and you must verify your identity in person before the loan is paid out.

SGX Board Lot Reduction: 4 Stocks Set to Benefit in October 2026

Since 5 October 2026, you can buy 11 of SGX's priciest blue chips, including DBS, SGX, Haw Par and Keppel, in lots of 10 shares instead of 100. That cuts the minimum outlay by about 90%.

Is Now a Good Time to Refinance My Mortgage?

The best time to refinance your mortgage in Singapore is when your lock-in period is about to end. Start comparing packages about four months beforehand, since most banks need three months' notice. With fixed refinancing packages starting from around 1.40% to 1.45% p.a. in September 2026, refinancing is especially worth considering if you're now paying your bank's board rate.