Finally, there is a credit card that gives you unlimited cash rebates with no minimum spend required – the Maybank FC Barcelona Visa Signature Card.
Compared to other credit cards that offer varying cash rebates depending on the type of spending (shopping, dining, entertainment, travel, etc) or with selected merchants only, the Maybank FC Barcelona Visa Signature Card offers 1.6% UNLIMITED cashback for ALL local transactions.
Instead of remembering which credit card to use for different situations, you can simply use this one card for all your expenditure. So you can shop with ease-of-mind, knowing that you can get 1.6% cash rebate for everything and anything you spend. This makes it an ideal one-stop card for spending on big-ticket items like luxury items, personal insurance, home furnishings and appliances, car maintenances, or even the hefty cost of planning a wedding.
On top of that, there is NO CAP on how much you spend, nor is there a MINIMUM amount you have to spend in order to qualify for the cash rebate. For example, if you are charging S$20,000 for a luxury leather bag, what you will be getting back is S$320! How’s that for being the ONE card for ALL your shopping?
Even with foreign transactions, you get 2X TREATS Points with every dollar spent on foreign currency transactions with the Maybank FC Barcelona Visa Signature Card.
Football fans, here’s your deal-maker: As a Maybank FC Barcelona Visa Signature Card user, you can stand a chance to win a trip for 2 to watch FC Barcelona LIVE at Nou Camp every football season*!
As long as you meet the minimum annual income of S$30,000, applying for the Maybank FC Barcelona Visa Signature Card is as easy as visiting their website.
Kindly refer to maybank.sg/barca for full details.
Do you know that Balance Transfer is a great financial tool to help manage your finances better? Balance Transfer is a lending product for short term needs which does not charge any interest* for up to 12 months. On top of this, it also allows for flexible repayment arrangements; either $50 per month or 3% of the principal, whichever is higher. Existing DBS / POSB Credit Card and Cashline customers stand to benefit the most as they can get instant approval when applying for Balance Transfer. Upon approval, the cash is disbursed into their accounts instantly. With such amazing benefits, it is little wonder that Balance Transfer has gradually gained popularity.
*One-time processing fee is applicable
Balance Transfer Helps You Save On Interest
The greatest advantage of Balance Transfer is that it helps you to save on interest payments. For example, a need for a sizeable amount of cash may cropped up in a time when you’re cash strapped. It is possible to tap onto Balance Transfer’s interest-free feature to save on interest for up to 12 months with a nominal one-time processing fee.
Balance Transfer can also be used to refinance your existing Credit Cards outstanding balances. So instead of incurring the interest on them, it is possible to enjoy interest savings of up to 81% with Balance Transfer. Here is a comparison to illustrate how you can save on your interest payments with DBS / POSB Balance Transfer.
Either way, the interest savings that you obtain with Balance Transfer will put you in a better financial position. With Balance Transfer, you can receive short-term cash instantly for any purpose by only paying a one-time processing fee.
How To Apply For Balance Transfer
Here is how you can take immediate action to manage your finances better. Simply follow these instructions to apply for Balance Transfer
Log in with your ibanking/mbanking/ATM or credit/debit card
Choose your desired amount and the tenure
Submit your application online (no documents will be required for existing DBS/POSB customers)
The amount will be drawn from any credit balances available in your selected DBS/POSB credit card or Cashline account if your Balance Transfer application is successful
The amount drawn will be credited into your selected DBS / POSB Current or Savings accounts
Check out latest promotion for DBS / POSB Balance Transfer here.
Forex market is such a fascinating market in the world that everyone wants to invest and make the profit. The main reason behind this fascination is the quicker and bigger profit that you can make if you play smartly. Lots of patience and experience is required to make your every trade end in something positive. Quicker and timely decision can be handy in this game.
Observing the charts is not enough most of the times. Most of the online guides and tips tell you a lot about candlestick forecasting and predictions, but this is not just enough. We have the examples where all the calculations, mathematics and predictions failed about candlesticks and charts, and well-experienced predictor had to bear some significant loss. Why this just happened to them?
As I mentioned earlier that you have to be extra smart. You have to keep in mind everything that can change the value of the currency you are dealing with. It can be some news, some government policy, some accident, some event or even a war. You will have to keep an eye on such things which can affect the decision of the people about buying or selling of the currency pair you are dealing in.
There are individual websites which make your job more comfortable if you are trading with them. They can give you specific advice about buying or selling. They may show you the live charts, graphs, prediction theories and calculations and news bytes as well which may have any impact on the forex market. But again, you have to be extra smart so don’t rely on the news and information of a single website. Double verify everything before taking any decision in Forex Market.
Some people don’t want to deal in Forex Market rather they prefer to trade in commodities. Forex market is much volatile, and you can lose your investment in just a blink of an eye. It is not that case when you are dealing in commodities. Normally there are not such sharp jumps in the prices of commodities how much ever big the news is.
So, to trade safely, most of the people prefer to buy or sell commodities like Gold, Silver, Oil, and Copper. These are widely traded commodities worldwide. Oil and Gold are most traded commodities. The reason behind this preference is that Oil and Gold act more like currency pairs. You can see some sharp increase or decrease in the price of Oil and Gold.
If you want to trade in Oil or Gold, then you must keep an eye on news and charts for Oil and Gold Forecast. If you are confused, don’t invest rather wait or consult some expert. Doubts in your decisions can lead you towards loss. If you are new, follow some expert traders. Following option can be found on most of Fore Trading websites. Following some expert will let you learn and earn at the same time. But don’t follow blindly instead consider every action in trade and try to find out the reason behind every decision and soon people will be following you.
Financial planning goes beyond the calculated investments. Building a financial plan helps you visualize the “big picture” and set financial goals (i.e., both long-term and short-term). This is a crucial step in mapping out your financial future. And, a financial planner or financial advisor may just help you with that!
Image Credits:pixabay.com
BENEFIT #1: ENUMERATING ONE’S FINANCIAL GOALS
The first step that financial planners partake in is the identification of the client’s financial goals. For couples, this activity is enough to get the two individuals on the same page. It highlights their similarities and differences. The funny thing is that many Singaporeans spend more time planning their travels than planning for their financial goals (e.g., retirement fund).
BENEFIT #2: DETERMINING WHETHER YOUR GOALS ARE SMART
After listing down your financial goals, the financial planner visualizes how you can get there. How much do you need to save S$10,000 a year? Should you invest your income in mutual funds? A cost-benefit analysis will be done. This act will put each of your goals in a microscope to see whether they are SMART! SMART stands for Specific, Measurable, Attainable, Realistic, and Time-bound. The financial planner must ensure that both your goals and your timeline are attainable.
BENEFIT #3: HAVING PEACE OF MIND
Certified financial planners have years of education, training, and experience working with different clients of diverse situations. Their broad professional background aids in assessing your needs. They are qualified to give you advice that reflects the best practices of the financial industry. Simply put, having a financial planner gives a sense of peace when it comes to knowing that you have an in-depth financial strategy in place.
BENEFIT #4: HIGHLIGHTING THE MONEY MISTAKES YOU MAKE
Analyzing your holistic financial picture exposes the mistakes that you are currently making.
Image Credits: pixabay.com
For instance, you disregard some of your credit card debts. This leads to paying a significant amount of money for penalty fees. Said mistake will be highlighted to ensure that you can apply an efficient fix.
For many Singaporeans, laptops have become an integral part of their lives. Saying that I cannot live without powerful device is an understatement. Without my laptop, I would be out of job. This article would not exist either! Laptops bring so much ease to our lives.
Whether you use yours for business or entertainment, laptops are easy to get. Unfortunately, this type of device can be costly! I would categorize it as a major investment. With that said, it is best to plan your purchase to avoid buyer’s remorse.
#1: GETTING THE CHEAPEST MODEL
One might think that the surefire way to save money is to buy the cheapest model available in the market. This may be easy for your wallet, but said model may not have all the necessary features. Given that the materials used in the cheapest models are found in the lower end of the spectrum, many of them lack the longevity that you crave for.
It is best to opt for a laptop that will serve all your needs. Make a list of your ideal specifications, must-have features, and other preferences. Compare this list to your viable options.
#2: SPENDING TOO MUCH
Do you really need the top-of-the-line MacBook Pro costing about S$3,488? Can the least expensive Pro (i.e., the 13-inch costs about S$1,898) satisfy your needs? Realistically speaking, some powerful desktop computers have lower prices.
Image Credits: pixabay.com
If you believe that quality depends on the price tag then, your belief may not be applicable to laptop shopping. Higher prices do not always equate to better product performances. Spending too much on a laptop can lead to buyer’s remorse. Not to mention, parts and repairs are usually more expensive for laptops than other counterparts.
#3: THINKING SIZE DOES NOT MATTER
Let us face it! Size matters when it comes to acquiring a laptop. A laptop’s size determines the design of the trackpad and the keyboard. You will most likely be cramped when opting for a device measuring less than 13 inches. Furthermore, a laptop with a bigger display allows more space to work in your desktop. Also, a “larger laptop” often gives a better viewing space and or a more expansive experience in general.
For frequent travellers, you may benefit more with small laptops such as the ultrabooks. Ultrabooks are not for everyone! Just because a product is in the front page of a tech review, does not mean that it is the best for you. A Chromebook may be cheap and portable, but it has a low storage space that will not suit the needs of a graphic designer.
#4: DISREGARDING THE ART OF “SHOPPING AROUND”
When buying a laptop or accomplishing a major purchase, it is important to do prior research. Investing your hard-earned money on the manufacturer price many not be always be a good idea. Most companies want to sell their products at top prices. Thus, you must consider shopping around.
Look for bargain deals provided by online retailers such as Amazon. Alternatively, you may hit up the nearest IT/Tech shops such as Courts and Challenger. For instance, Challenger’s www.hachi.tech offers 15% discount on the Surface laptop (T&C’s apply).
Image Credits: pixabay.com
Not to mention, the Great Singapore Sale is still on going. Imagine the beaming online and offline promotions ahead!
#5: IGNORING THE IMPACT OF THE FUTURE
At a heartbeat, you were swayed by a salesperson who highlighted the wonders of a touchscreen monitor. This new laptop may be good for now, but how about a couple of years down the road? Is a “normal” laptop more durable than its touchscreen counterpart? Think about it!
As assets, laptops move like cars. Its value plummets as time goes by! Remember that.
