It makes financial sense to keep your emergency savings in this account because you want to maximise the interests that you earn from this savings account. Traditionally, the most popular high-interest transactional savings accounts that you can find in Singapore includes the OCBC 360 Account, UOB One Account, BOC SmartSaver, Standard Chartered Bonus$aver Account and the DBS Multiplier Account. To earn high bonus interest, most of these savings accounts would require you to fulfil certain criteria each month. They may include: -Crediting of monthly salary through GIRO -Hitting a minimum monthly spend via credit cards issued by the bank -Paying of bills online via the savings account -Invest or insure with the same bank Understandably so, these savings accounts would require you to fulfil some of their criteria before the banks reward you with the attractive bonus interest. While this can be a little annoying at times, the criteria are not difficult to fulfil and most working adults … [Read more...] about 5 types of savings accounts that every Singaporean should have
4 personality types
A study by the Institute for Scientific Information on Coffee may explain why you can’t sleep at night after a cup of coffee in the late afternoon while it may not be a problem for others. The report, "Genetics, Metabolism and Individual Responses to Caffeine", looks to our genes for answers. “We are all unique coffee drinkers. Our genetic make-up programs our reaction to caffeine, just as it programs our hair color and eye color,” said the study’s lead author, Dr. JW Langer. The two genetic factors that determine one’s caffeine intake are the liver’s speed of metabolization and the sensitivity of the central nervous system to caffeine’s stimulating impacts. Langer and his team found there are three types of coffee drinkers: 1. High sensitivity to caffeine People in this group most likely struggle to sleep after a cup of coffee in the afternoon because of their sensitive central nervous system and slow metabolism. It is … [Read more...] about What type of coffee drinker are you?
By Joe Richer Registrar, Real Estate Council of Ontario Sat., May 11, 2019 I’ve noticed your column never gets into the nitty-gritty details of how to get the best deal on a home. What sort of questions should readers ask you? Thank you for the kind words. This is a different type of real estate advice column in the sense that it’s designed to support an informed real estate market in Ontario by reminding buyers and sellers of their rights and responsibilities in a transaction. I always enjoy hearing from my readers. Last month, I wrote a column about purchasing an investment condominium that was based on a question asked in casual conversation by some fellow hockey parents. Others in the discussion were quite interested, so I thought their query deserved a wider audience. The purpose of this column is not to tell you how to market your home, or how to negotiate the best deal on a property. I can’t provide legal, marketing or financial advice to … [Read more...] about 4 key tips home buyers should follow: Ask Joe
SINGAPORE: Those suffering from dementia feel rejected, lonely, ashamed and less competent, Singapore’s first national survey on dementia revealed on Monday (Apr 29). The survey by Singapore Management University (SMU) and the Alzheimer’s Disease Association (ADA) polled more than 5,600 people, including those with dementia as well as their caregivers and the general public.The results revealed that 72 per cent of people with dementia feel rejection and loneliness while half of them feel that they cannot be open with others regarding their condition.More than 56 per cent of them say that people treat them as less competent, the study added.For those who care for someone suffering from the disease, nearly 30 per cent said they feel embarrassed while tending to their loved ones in public, while more than 1 in 10 feel that others around them “seem awkward”.Chief Executive Officer of Alzheimer’s Disease Association Jason Foo said that … [Read more...] about Nearly 3 in 4 persons with dementia in Singapore feel ashamed, rejected: Study
Retailers are finding all kinds of uses for location data from customers’ phones. Hill Country Galleria in Bee Cave, Texas, used the information to determine that a lot of shoppers owned pets. So it installed water fountains, babysitting stations and “Santa Paws’’ photo ops for furry friends. The time customers spent in the mall rose by 40 percent, according to CBRE Group Inc. A shopping center in Chicago found it was drawing customers from Asian neighborhoods, so it decided to fill a vacancy with a high-end Asian specialty grocer. Dunkin’ Brands Group Inc., which opened 278 new doughnut shops in the U.S. last year, employed phone data to make sure the new stores wouldn’t siphon customers from existing locations. Retailers are following the trail of electronic bread crumbs left by millions of customers. And it’s helping them at a time when the industry is suffering. They’re buying mobile-phone data that can track where and for how long … [Read more...] about Retailers are tracking where you shop — and where you sleep