Will I enjoy all the discounts and privileges offered by OCBC and Esso service stations if I pay and earn Smiles points using this card?

The highlights include a 12% off everything at Fairprice with salary credit and up to 18.5% fuel savings which should be perfect for him considering the car your husband bought for him but note that aside from being 21 years to be eligible, he needs to have above $30,000 annual income. The interest rate for NTUC/OCBC Plus! Visa Credit Cards is 26.76% per annum and if they dont receive full payment by the due date, there will follow a minimum charge of $2.50 a month, calculated from the transaction date.

I am a current user of the NTUC Plus! Visa Credit Card and I know that at FairPrice you will be eligible to earn 3% additional rebate for incremental spends above SGD100 in a single receipt at FairPrice On, FairPrice, FairPrice Finest, FairPrice Xtra, Unity stores and Warehouse Club. This additional rebate is capped at SGD5 per transaction. On Grab Rides you will be eligible to earn 5% additional rebate on Grab rides in the month after completing 5 non-discounted rides. The 5 qualifying rides must be non-discount rides on all services except GrabCycle, GrabHitch, GrabShuttle, GrabShuttlePlus, GrabCoach, and must be charged to the NTUC/OCBC Plus! Visa Cards. The additional rebate is capped at SGD10 per customer per calendar month.

Very simply everyone with a valid Singapore registered mobile number can become a STACK member but if you wish to perform rewards points exchange from one rewards programme to another, you then have to be a member of at least 2 of the cards participating rewards partner programmes. If you wish to redeem any deals and rewards on the STACK Marketplace, you do have to be a member of at least one of the participating loyalty partner programmes.

Singapore is known to be one of the safest countries in the world. Age restrictions are part of Singapore's safety measure so the answer to your question is "Yes" there are age restrictions in getting a landline in Singapore. You need to be at least 17 if you are a Singaporean Citizen and you need to be at least 21 if you're not a citizen.

Investing on property would take you a long way because unlike investing on stock markets, investing on a property is unique because it contains utility value. It is an asset that you can use and enjoy while capturing gains. You can also rent the place out to other people and still hope that the rental rates would increase as the rise in the prices of property also increase.

Those with an annual income of less than S$20,000 may borrow up to S$3,000 from all moneylenders combined and those who earn more thanS $20,000 a year may borrow up to six times their monthly income from all moneylenders combined. Meanwhile, for foreigners residing in Singapore, a lower aggregate loan cap of S$1,500 will be imposed on those who earn less than S$10,000 annually. Foreigners who earn between $10,000 and $20,000 a year can borrow up to $3,000, and those who earn at least $20,000 can borrow six times their monthly income.

A bond is debt instrument that a government or a company issues to raise money.. Bonds are low-risk, stable and predictable investment. Investors earn from this because the investors act as a lender and the government acts as the borrower.

Just like in any country, there aren't many investments that guarantee your principal as well as returns in Singapore but of those that do, you should be very careful of scams. One other thing to understand is that when you get to enjoy such safety in your investments and visibility in your cashflows, you need to be prepared to accept a rate of return that is close to the risk-free rate. Your first bet is to invest on Singapore Government Treasury bills and/or Singapore Government Bonds. You can also try investing on saving plans or fixed deposits but the returns are low. If you want higher returns then you really need to invest on high risk investments.

There are different types of stock. Blue Chip Stock are the safest because they are simply shares of well-established, well-recognised, profitable, and financially sound companies.. Next is the unloved, neglecter or commonly known as Value stocks whichare priced below its fundamental value because of its unglamorous characteristics. Lastly we have the Exchange-Trade funds which is a type of fund that is traded in the stock exchange like stocks that owns a basket of assets (bonds, stocks and commodities).