7 Things Singaporeans Should Know About Pawn Shops
Back in the ’80s, middle-class Singaporeans associated pawn shops with poverty. If you were seen walking into one, your acquaintances would never let you live it down; they immediately assumed…
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5 Ways to Deal With Late Payment Fees on Your Credit Card
Credit cards are useful for getting cash back rebates and free air miles for your expenditure. They’re also needed for paying cashlessly in this day and age. But beware of…
Car Maintenance Singapore – How to Lower Your Costs of Car Servicing, Petrol & Others
Car prices in Singapore are no small sum, but aside to the upfront costs, there are also regular car maintenance costs that you have to factor in when you own a car….
Bankruptcy in Singapore – What are the Consequences?
As of September 2018, there are almost 17,000 undischarged bankrupts in Singapore. The good news is that the number of bankruptcy cases has dropped by more than 20 percent since…
“Investing” in Singapore Lottery? The Math behind Toto and 4D in Singapore
Big Sweep, 4D, Toto… so many ways to win at the Singapore Pools. On top of that, a ticket is just a few dollars. Even if you have a snowball’s…
Total Debt Servicing Ratio (TDSR) and How It Affects Your Loans
TDSR, which stands for Total Debt Servicing Ratio, is a way for the Singaporean government to keep checks and balances on Singaporean borrowers. I guess it’s always a risk letting…
HDB Loan vs Bank Loan – Which Is Better? 5 Things to Know Before You Commit
Choosing financing for your home is like a game of “Rathers”. You know, where everyone tackles hard questions like “Would you rather be whipped naked down Orchard Road, or rely…
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Investment in Singapore – 5 Ways to Invest in Stocks and Bonds
To new investors in Singapore, the stock market presents a bewildering range of options. There are dozens of systems and methods of investing, all with their pros and cons. So…
Credit Card Fees You Probably Don’t Know You’re Paying
When you get a credit card, you’ll also receive a book of terms and conditions. This book will be helpful, to about the same degree as a waterproof tea bag….
Getting an EC vs. BTO Flat: What are the Differences?
Why does everyone assume you’re rich if you buy an EC? That doesn’t make sense. By the time you make the downpayment and cover the instalments, the EC means you’re…