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…
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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…
Invest ago0 Comments
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…
Credit Cards August 11, 2017 3:00 pm0 Comments
5 Tips To Maximize Your Cashback Card Benefits
So you’ve heard cashback cards offer the best savings, and you want to switch. Or maybe you already have a cashback card, and you’re wondering why the only thing you’re…
Home Loans September 16, 2016 11:17 am0 Comments
What Singaporeans Need to Know About Home Loan Refinancing in 2016
Back in 2011, I was convinced banks installed revolving doors just for home loan customers. People refinanced more often than we got to change underwear in NS. It was an…
Transportation July 20, 2015 4:30 pm0 Comments
Parallel Importers vs. Authorized Dealers: Which Should You Get Your Car From?
In Singapore, you can buy cars from secret, unauthorized dealers. And it’s perfectly legal. “Uh, parallel importers aren’t secret or unauthorized. They’re just not the official distributor”. Oh yeah? Next…
Credit Cards January 21, 2015 3:00 pm0 Comments
3 Best Credit Cards for Clubbing and Pubbing in Singapore
These days, the only kind of clubbing I do is when burglars break into my house. Then it’s “Say hi to Mr. golf club punk; take that, and that, and…
Credit Cards January 20, 2015 3:31 pm0 Comments
3 Best Credit Cards for Students In Singapore
In my day, students had allowances of $8. And those were the rich kids. Our mobile phones was two soup cans connected by string. When we broke bones, we set…