Can I change again my categories for the next quarter after I previously selected them and later change my mind?

Basically the UOB Lady’s Card is the only credit card that offers women the freedom of choice to define their rewards from Travel, Dining, Beauty & Wellness, Family, Fashion, Transport and Entertainment. In addition to the flexibility of changing your categories every quarter, to suit your ever-changing lifestyle and interests. Either you shop online or in stores locally or overseas, you stand to earn 10X UNI$ (or 20 miles) per S$5 spent on your preferred category’s with no minimum spend required. Other benefits include coverage for online purchases and faster online checkout with Interest Free Payment Plan for over 6 or 12 months and e-Commerce Protection on online purchases.

If you have already chosen your preferred category or categories and then have a re-think and want to make changes, you may have to visit uob.com.sg/ladys-enrol to update your preferred category(S) which will take effect in the next new calendar quarter. The first entry takes effect as of date of enrolment while subsequent entries take effect the next quarter while the bank will take the last entry of category(S) for the new quarter Bonus UNI$ awarding.

Be advised that Transactions qualifying for 10X UNI$ depends on whether the merchant falls within the selected eligible categories. If its MCC falls within the approved MCCs or it is one of the eligible merchants that we recognise, you will earn 10x UNI$ for your purchases made at the store. However, if the merchant does not fall within any of the eligible MCCs you will not earn 10X UNI$ even if your transaction made contains for specific items relevant to the eligible categories as may have been the case with you.

You will start earning your Bonus UNI$ upon enrolment of your preferred categories. Qualified transactions will be based on posting date and No, you will not earn Bonus UNI$ if you do not select your preferred categories. However, you can continue to earn 1X UNI$ for every S$5 spend on your UOB Lady’s Card going forward.

If you got scammed online, you can contact the authorities to help you out. Always background check on what investments your gonna go through. You can easily contact people across the globe with the use of internet. Always check their status before involving within them. But as much as possible get help with the authorites.

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.

An inescapable path to becoming a successful investor is to learn how to become a lifelong student. Learn from other investor's success and mistakes. Learn how they made the money, not how they spent it. Place value on value, buy assets that you know are underpriced and sell them for a higher value. Always have healthy Skpeticism which is very hard to acquire as the world is full of malice. Lastly but not the least is to sharpen your analytical ability as being able to analyze what is going on is very crucial to becoming a good investor.

The number of foreigners borrowing from lic.ensed moneylenders increased from 7,500 in 2016, the number rose to 35,000 in the first half of 2018 alone. This is one of the reasons why they changed the law. The police have also observed more foreigners here borrowing from unlicensed moneylenders

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.