I am keen to know the Privileges at Singtel, can someone care to share with me?

One of the unique privileges at Singtel is the MobileShare Supplementary Plan which allows users to share their bundled data, talktime and SMS with their loved ones and/or between multiple devices. When you sign up for a new MobileShare Supplementary Plan, you get to enjoy the first 12 months free subscription and 50% off thereafter – that's $230 worth of savings. Existing MobileShare customers can also enjoy 50% off monthly MobileShare subscription. They offer free 3G/4G/NFC SIM Card and registration worth up to $48.15 at any Singtel Shop or Exclusive Retailer. This is more or less a free card for life as you enjoy perpetual waiver of the annual fee on your principal card plus supplementary card – as long as you continue to charge your Singtel bill on a recurring basis to your card.

Depending on how you set up your card, you would have received an SMS indicating whether it is a debit or credit card transaction based on how you assigned it. However Singtel bill must be charged on a recurring basis to the Singtel-UOB Card. The first nominated Singtel account has to be in the name of the Principal Card member. Cash rebate will be awarded based on the monthly GOMO charges and consolidated Singtel bills posted in the card statement month.

It actually depends on how you set up your card from the go, so you should receive an SMS indicating if it is a debit/credit card transaction based on how you assigned it when setting up. You should refer to your documents and agreements.

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).

A stock is a share in the ownership of a company. The person who owns share is called stockholder and he is entitled to the company’s assets and earnings in the form of dividends in accordance to the percentage of stake he holds. There are two ways to earn. One way is through dividend income and the other one is throught Caoital gain.

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.

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.

According to ValueChampion's findings, undergraduate programmes pertaining to computing, engineering, architecture, pharmacy and law tend to have the highest level of return on investment on their tuitions immediately upon graduation. In particular, a bachelor's degree in law stood out as having the 2nd highest median gross monthly wage* and the 5th highest full-time employment rate.

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