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April 17, 2016

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trying to put up a new and better layout ... please pardon the temporary uneasy ~

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Credit / Debit Card Review: DBS Visa Debit Card

I've been seeing ads for the DBS Visa Debit Card at Somerset MRT station for quite some time now, and their promise of 5% cashback sounded too attractive to ignore. Considering how my cashback on my current credit card has only been in the $20+ range for the past few months, getting twice of that amount for my spending was a huge lure. But as usual, the main question in my head was: What's the catch? I'm usually skeptical as most cashback promotions operate in a similar fashion - they offer you a high cashback at the beginning to lure you to sign up, then after a few months, the cashback promotion is no longer valid. Take for example the UOB Delight credit card . When it was launched in 2014, it offered a 10% rebate. Wow! Fast forward to today, and the highest rebate has dropped to 8%. What's more, it comes with a whole bunch of conditions, including: Minimum $800 monthly spending (or your rebate drops to only 3% if you spend between $400 - $799 including recurring bil...

The 5 best housing loans right now

A number of readers have been asking me about housing loans lately, so I thought I'd touch on this topic today. I'm generally more inclined towards bank loans at this point in time ( and have been since I highlighted it here in 2016 ), given how they're mostly cheaper given the low interest rate environment we're in right now. (I’m in the midst of writing another article comparing the pros and cons of getting a HDB vs. bank loans, so you can keep an eye out for that if it has been an issue weighing on your minds as well.) In the meantime, this article is for those of you who have been asking me which bank loans to look at in 2017. Background: What you need to know about interest rate packages There are several banks in Singapore offering home loans at similar, yet varying interest rates. Fixed rate packages and floating rate packages are the two most popular rate offerings prevalent in the market. As the names suggest, a fixed rate package involves fixed rep...

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