If HSBC Revolution rewards specific categories and DBS Woman’s World Card rewards anything online, the UOB Preferred Visa Card rewards something different: tapping your phone. It’s the easiest card in Singapore to use for in-person spending, because it doesn’t care what you’re buying — a haircut, a dental bill, bubble tea, groceries — as long…
Between hand-me-downs, samples, and the odd bit of luck at a baby fair, we learn to never pay full price for something your baby might reject after one try. Diapers and formula are exactly the kind of thing a fussy baby will reject. Below is every free sample program we used to get free baby…
There’s a real sense of relief that comes with owing the bank less — every prepayment is money that will never accrue interest again. Whether that’s actually the best use of your money is a genuinely close call, and it comes down to one comparison: your mortgage rate versus what your money could earn in…
There’s a real sense of relief that comes with paying off a mortgage — no more monthly repayment eating into your paycheck and no more interest quietly accumulating in the background. Getting there is a little more complicated than expected. There are two separate legal steps — redeeming the loan, then discharging the mortgage. Redeeming…
Buying Bitcoin in Singapore takes about fifteen minutes to complete. The mechanics of downloading and purchasing bitcoins on platforms have been simplified for retail investors to manage. What actually needs a little more consideration is: which platform to use, what you’ll pay in fees, where to keep it afterwards, whether capital loss or gain is…
What Are T-Bills? T-bills (Treasury bills) are short-term Singapore Government Securities (SGS) — essentially a loan to the Singapore Government that you’re repaid in full at the end of a fixed term. They come in two tenors: 6 months and 1 year. There’s no coupon paid partway through; instead, you buy at a discount to…
Going from a dual-income household to a single-income household is not as simple as one salary disappearing and everything else staying the same. CPF contributions on that income stop. Certain tax reliefs stop being claimable. Childcare costs might increase or disappear, depending on how you handle it. You might newly qualify for support schemes you…
Opening your child’s first bank account is one of those small milestones that sneaks up on you — usually right around when the ang baos start piling up, or a new school asks for a card to link to the canteen. Every major bank in Singapore has a kids’ savings account built for exactly this,…
Despite the name, the DBS Woman’s World Card isn’t just for women, and it isn’t really spending across “the world” either. It’s about one thing: online spending. If you shop online — groceries, online travel agencies (OTA), food delivery, e-commerce, subscriptions — the DBS Woman’s World Card earns 4 miles per dollar (mpd) on almost…