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.
Drop your mouse and read your books! How many times have you heard that gaming has no future? I have to admit! A career in gaming was once viewed as an impossible feat in Asia. Once seen as a way to pass time or to socialize with friends, gaming has exploded into a legitimate sport nowadays. Times have changed.
eSports prevalence has been massive! Dota 2, a wildly popular game in eSports, has a price pool of over US$20 million (or S$27 million). Furthermore, the 2022 Asian Games included eSports in its categories. Lastly, the global eSports market is predicted to hit US$1.5 billion (or S$2 billion) in a few years time. The demand for gaming professionals encouraged some Singaporeans to launch an educational programme dedicated to this platform.
DIPLOMA IN GAMING
Informatics Academy in collaboration with Cybersports and Online Gaming Association, has recently launched a diploma programme suited for aspiring professional gamer. This programme aims to equip students with skills in eSports knowledge, live-streaming of tournaments, game design theories, programming, team management, and game development. The modules will last up to 8 months for full-timers and 12 months for part-timers.
Requirements include a minimum of two A levels, an International Baccalaureate diploma or other equivalent pre-university qualifications, and being at least 18 years of age. School fees are about S$6,480 for local students.
AVERAGE SALARIES
Much like any other sports, salaries in eSports vary per organization and per player. The significant lack of transparency in this platform makes it challenging to determine what constitutes as fair compensation.
According to Riot, a professional eSports organization, each player must be paid a minimum of US$12,500 (about S$17,000) for the 28-match season. Many players are compensated at a higher rate than this! A five-person team’s winnings could range from S$2,700 to S$13,600 per player in the playoffs alone. Carlos “Ocelote” Rodriguez, a League of Legends team captain, makes close to a million a year! Can you see the financial variety?
Image Credits: pixabay.com
RISKS OF GAMING
With impressively attractive tournament prizes, it is possible to craft a misconception that one can easily become rich by playing video games. Reality check! No game can last forever. Furthermore, live-streaming is a utterly competitive scene. Only a few of the best shall prevail.
Yes! A professional career in eSports is viable given that you are one of the best at a particular game in a global scope. You may consider committing to a game part-time first, while managing your other priorities (e.g., day job or family time). Best of luck!
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.
Many of us have embarked on a lifestyle journey that values healthy and all-natural options. From signing up to a detox program to using organic products, the list goes on and on! My personal lifestyle journey involves therapeutic essential oils. Essential oils are products extracted from plants, which may both improve your physical health and mental well being.
Do not let essential oils spook you! These products can be affordable without sacrificing quality. Here are some tips that you need to know to fit aromatherapy into your budget:
#1: KNOW THE LOCAL BRANDS
Due to the widespread of a healthier society, more local retailers have invested on organic or all-natural products. Brands such as HOUGHTON & GOUGH, HYSSES, and MMERCI ENCORE carry pure essential oils. Let us start with HOUGHTON & GOUGH (H&G). H&G houses a range of room sprays, essential oils, hand-poured candles, and more. Its Lemongrass essential oil retails for S$25.90.
Image Credits: pixabay.com
HYSSES is a firm believer of holistic therapy. From scenting to natural skin care solutions, HYSSES encapsulates the best nature has to offer. Most of its essential oils retail for about S$25.90.
Lastly, MMERCI ENCORE exudes luxury as its raw ingredients and pure essential oils were sourced from Australia and France. According to its website, it offers handcrafted artisanal aromatherapy goods inspired by bathing and bedtime self-care rituals. The company is created by the former beauty editor Alli Sim. The price of its essential oils range from S$25 to S$35.
#2: A LITTLE GOES A LONG WAY
Essential oils are made with highly concentrated plant extracts. Thus, a little goes a long way! As an avid user of essential oils, I can attest that less is more. Do not be fooled by a mere 5 or 10 ml bottle as it can last you for months. Despite my frequent usage, my 10 ml Young Living bottle lasted for more than 6 months.
Image Credits: pixabay.com
With its potency, you may be wondering how long can you store a bottle. The shelf life of oils vary from each kind. However, the general rule of thumb is keeping it within a year of purchase. Many aromatherapists extend its life span by keeping their volatile oils refrigerated.
#3: MAKE YOUR OWN BLENDS
One of the easiest ways to make your own blend is to use a roller bottle. Transferring essential oils into roller bottles will save you money with the process of dilution. Dilution does not weaken your oils. Instead, it helps you to target specific areas of your body such as your chest or temples. It allows you to apply the product whenever you need it.
The basic steps of making a roller bottle include the following:
a. Acquire an empty 10 ml roller bottle online
b. Add 10 drops of essential oils and fill the rest with a carrier oil (e.g., grapeseed oil, sweet almond oil, coconut oil, and jojoba oil)
c. Put the top cover
d. Shake the mixture well
e. Apply to the neck, wrists, temples, feet, chest, spine, belly, or behind the ears
Image Credits: pixabay.com
I shall move on to the fun part by enumerating the quick recipes consisting of two to three essentials oils.
a. For itchy skin
6 drops Lavender
4 drops Peppermint
b. For sleep and relaxation
3 drops Lavender
3 drops Cedarwood
c. For focus and concentration
5 drops Orange
5 drops Peppermint
d. For upset stomach
4 drops Lavender
3 drops Peppermint
3 drops Ginger
e. For headaches
4 drops Lavender
4 drops Peppermint
2 drops Frankincense
f. For healthy nails
5 drops Tea tree
3 drops Lemon
2 drops Peppermint
g. For a cooling sensation
4 drops Lemon
4 drops Peppermint
2 drops Frankincense
May these blends bring you the daily comfort you need in this busy city! 🙂
