Whether you’re thinking about issuing a supplementary card or applying for a student credit card, letting your teenager have their first credit card is certainly safer than carrying cash. On the other hand, leaving a credit card in the hands of a teenager could pose risks such as overspending or sharing card details. To help you decide whether your teenager is ready for a credit card, keep reading for key points to consider. Pro: Your teenager can access funds in case of emergency or when travelling abroad Giving your teenager a credit card can be helpful in case of emergencies when there are last-minute needs such as purchasing medicine or a phone charger. Also, having a credit card can be especially useful if your child plans to study overseas or travel abroad after the pandemic. Carrying foreign currency can also be cumbersome and unsafe, especially in countries where pickpocketing or theft is common. Pro: Earn rebates and perks for more savings Many student credit cards ... » Learn More about Does your teenager really need a credit card?
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Premium credit cards come with premium price tags and perks. But are they worth your hard-earned money? Premium credit cards are fancy: they come with perks, benefits and all the bells and whistles that regular credit cards don’t offer. Designed specifically for the affluent amongst us who make at least $120,000 annually, it is no surprise that these premium credit cards also come with hefty annual fees. While premium credit cards are exclusive by nature and offer a slew of money-saving lifestyle, travel and dining perks all year round, are they really worth your money? Find out as we break down what each premium credit card below has to offer. Comparison: credit cards for high income earners Credit Card Annual Fee Exclusive Perks Citi Prestige Card $535 Unlimited airport lounge access Free hotel nights Expiry-free rewards-Exclusive relationship bonus-Golfing privileges Pay tax, insurance, rent, education expenses, electricity bills and more to ... » Learn More about Premium credit cards: Which gives high income earners the best value?
While Buy Now, Pay Later (BNPL) services aren’t for everyone, savvy consumers can use them to maximise their credit card rewards. Here’s how. If you’ve been shopping online or in-store lately, you may have come across a BNPL service like Atome or hoolah at check-out. For the uninitiated, these services allow customers to break up payments into a series of smaller instalments (typically three monthly payments). Zero interest is charged, and if you pay off your balance on time, it’s entirely free to use. If you miss a payment, you’ll be charged a late payment fee which ranges anywhere from a few dollars to $60. Instalments Late payment fee Atome Three months $20 – $60 hoolah Three months $5 – $30 OctiFi Three months From $15 Pace Three months $10 – $60 Rely Three months / four fortnights $1 – $40 Split Three months None It can’t be emphasised enough that you should not be using a BNPL service to spend beyond your means. ... » Learn More about Best credit card hacks to go with your choice of ‘buy now, pay later’ service
There’s always a chance of credit card fraud happening, even if your details are highly protected. Here are 4 things you must do immediately should that unlikely event happen. It’s an unfortunate fact of life. Even if you guard your credit card details with the utmost of care, you may still end up the victim of a fraudulent transaction. Don’t take it personally. Back in 2016, electronic payments firm ACI Worldwide estimated that 36 per cent of credit, debit and prepaid card users in Singapore had suffered at least one unauthorised activity on their cards in the past five years. Singapore has the third-highest rate of credit card fraud in Asia Pacific; as more and more merchants turn to e-payments, those numbers are likely to rise (at least in absolute terms). The good news is that you’re well-protected. Guidelines issued by the Association of Banks in Singapore state that provided you’ve not acted fraudulently or with ‘gross negligence’, your maximum liability for ... » Learn More about 4 things to do immediately if your credit card details get stolen
One of the most annoying finds that can happen during your trip is to lose your credit card, or worst, have someone steal it and your money. This type of situation can be avoided if you take some measures to protect your cards and avoid unauthorised charges. We guide you step by step in how to protect your card, what to do if you are a fraud victim and how to dispute charges so you can get your money back. 1. WHAT YOU CAN DO TO PROTECT YOUR CREDIT CARD BEFORE YOUR TRIP GET AN RFID BLOCKED WALLET To avoid having your credit card details falling into the hands of thieves, get an RFID blocked wallet. This will prevent you from having your cards scanned or read unintentionally. CHOOSE ONLY ONE CREDIT CARD TO TAKE WITH YOU You don't need a multitude of cards, especially if you are travelling for a short period. Take just one credit card with you and pick the one that rewards you with miles or points for overseas transactions. RECORD YOUR CREDIT CARD DETAILS In case ... » Learn More about What to do if you experience credit card fraud while travelling?
This is the third and final set of building blocks for a pandemic exit strategy—a series of publications initiated on 17 June, 2021 suggesting specific goals, strategies and tactics to complement recently announced steps by the government towards national recovery, whereby it aims to "exit" the Covid-19 pandemic in four phases. In Part 1 of the exit strategy building blocks released on 17 June 2021, we also reiterated, using fundamental principles of economic theory, that the current pandemic-induced crisis is fundamentally different from past crises , which require a comprehensive strategic approach towards a gradual reopening of the economy. Positioning its strategy in the uniqueness of the current pandemic-induced crisis, EMIR Research has suggested the following strategy based on 3 + 1 main strategic thrusts , which are: 1. Protecting lives and livelihoods 2. Education emergency response 3. National reconciliation 4. National economic recovery ... » Learn More about Exit Strategy Building Blocks for Malaysia – Part 3
Budjette Tan was raised in a haunted house. Though too young to remember the events first-hand, as a child, he grew up to stories of his family’s own haunting. And just like any good ghost story, it started with the little things. “At first, it was the normal disappearing stuff, slippers began moving on their own. Then, a light bulb would suddenly unscrew itself and fall on the ground,” Budjette tells me this as if he’s recalling a happy family picnic and not their case of The Amityville Horror . The apparitions soon came after. Their family driver reported an instance where upon looking up at their car’s rear view mirror, he saw a young woman in the back seat. The ghostly visage then stared right back and whispered “ Ingat ka [take care].” At first, his parents were dismissive. “ Kulang lang kayo sa paligo (you just need to bathe more)!,” his mother would tell those who experienced the hauntings. (“Apparently this was a saying back then,” ... » Learn More about In Budjette Tan’s world, the supernatural is natural
Once notorious for gambling and opium dens in the early 20th century, Duxton may have cleaned up its act, but it's offbeat creative energy remains. Today dotted with charming bars, fantastic restaurants and unique activities, one continues to find fascinating characters on its streets. Watch the neighbourhood go from day to night, and you will be in the company of yogis up for a morning workout, entrepreneurs hustling at one of the many cafes and revellers knocking down well-deserved drinks. Easily accessible from Tanjong Pagar and Outram MRTs, Duxton Hill is an oasis conveniently located in the CBD. If you're looking to soak in Duxton's cool, this is the neighbourhood guide for you. Things to do in Duxton 1. Discover heritage at Tea Chapter Discover the art of Chinese tea appreciation at Tea Chapter. On the fringes of Duxton Hill, Tea Chapter is the largest and oldest tea house in Singapore. Enjoy relaxing hand-picked teas with a friend, or take part in an ... » Learn More about Duxton: Things to do and where to eat, drink and shop
Despite Covid-19 – or some would say because of it – home prices are soaring. The Singapore private property market is up another 3.3 per cent as of Q1 2021, while resale flat prices have been rising for nine straight months . Price aside, there’s also intense competition for desirable units, and it isn’t uncommon to hear of resale homes being sold despite only being on the market for a couple of days. This isn’t just hearsay – we’ve even had sources on the ground reflecting on the current situation . For sellers, there’s seemingly never been a better time to be one. A word of advice for sellers though, don’t be caught up in the exuberance too easily. While it can be nice to dream of the profits that you might make, unless you have another property to stay at – selling high does mean you’ll be buying high as well. For buyers, however, it’s a different story. You’ll have your work cut out for you right now in this market. While that doesn’t necessarily mean you won’t be able ... » Learn More about 10 essential home hunting tips that will help in a hot property market
Love all things fried and crispy? You may have considered getting an air fryer. Using a circulation of hot air, air fryers require zero or minimal oil to dish up crunchy chips, fried chicken , veggies, and lots more — not only is it healthier, but it also means less oil to mop up in the kitchen. We try out the Ninja Foodi, which is a nifty multi-cooker, as well as Mayer’s popular Mistral 3.5L air fryer which has been given the cutest Disney spin. Ninja Foodi Multi Cooker, $599 This multi-cooker promises the convenience of various cooking equipment in one – its functions includes Pressure Cooking, Slow Cooking, Rice Cooking, Steam, Sauté, Brown, Air Fry, Bake, Roast, and Grill. With the cooker, you’ll get two lids (one attached), a large six-litre pot, a 3.2-litre removable frying basket, and a reversible rack. Senior writer Michelle says, “With all the hype surrounding the Ninja Foodi, I was pretty excited to try it out. First of all, it’s pretty bulky and will take up a ... » Learn More about Review: We tried 2 raved-about air fryers & here’s what we think