Am I correct to believe that online transactions are part of the eligible local spend for the DBS Altitude card?

It depends on your preferences and if you can hit the minimum spending requirement to enjoy the benefits they offer. I personally use the DBS Altitude card as it has absolutely no minimum spending, and I get free airport lounge access. The DBS Altitude miles also do not expire. Since you are fresh out of school I assume you earn about $3, 000 averagely and inn that case the best savings account would be the DBS Multiplier.

Actually it’s a bit more technical as it depends on the payment gateway, which is hard to know, really. If a foreign company use a local bank to process our payments, it is a local spend, even though you seem to be paying in foreign currency. If they use a foreign bank to process the payment, then it is considered overseas spend. In my case I use my DBS Altitude Visa Signature card to subscribe to a New York Times and it is confirmed that the payment is processed by a foreign bank as I received the points for overseas spent.

You get to earn 1 DBS Point for every S$5 retail purchase charged to your DBS Credit Card, points are calculated on each transaction and rounded down to the nearest whole number. DBS Altitude Card members earn 3 DBS Points for every S$5 spent locally and earn 5 DBS Points for every S$5 spent on overseas transactions. Local spend is identified as card transactions posted in Singapore dollars. Overseas spend is identified as card transactions posted in foreign currencies.

So far UOB has been awarding me miles for direct Grab transactions however for miles card, top-ups normally do not get rewarded. For example topping up of cash card, Ez-link card and so on. But by and large, KrisFlyer miles will not be awarded for NETS and NETS-related transactions, 0% instalments Payment Plans, SmartPay, personal loan, balance/funds transfers, cash advances, fees, interests, finance charges, late payment charges, annual fee charges, reversals, transactions relating to top-ups of any pre-paid card and brokerage / securities, any gambling related transactions, any trading transactions (including but not limited to websites for trading of shares and cryptocurrency), other financial charges and any other transactions we may exclude from time to time without prior notice.

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.

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.

At first it might sound lika a hoax but since this is Singapore where possibilities are limitless. There is a company called Circles.Life that offers a free sim only plan. Their plan includes 1GB of data, 30min talk time and 10 SMS every month for S$0. This is perfect for someone who just needs a sim card for emergency purposes or someone who needs a line so they can be reached but does not use their phone much. TPG also offers one which includes 2G of data/day but you can;t use it for calls and SMS.

There are many ways to invest your money. You could invest it by opening a high yeild savings account for emergency purposes or you could invest all of it on CPF. There is also an option of dividing the money and putting half of it in your savings account and putting half in CPF. Eitherway it all depends on your current financial status and necessities.

If you are a tourist then you don't need to worry because it will not apply to those with a temporary presence in Singapore, It will only apply to foreigners who are holders of Work Passes, Long Term Visit Passes, Short Term Visit Passes, Dependant's Passes and Student Passes.

ขอคำแนะนำหน่อยและปรึกษาว่าจะต้องดำเนินการยังไง ฉันคิดทบทวนแล้วฉันส่งไหว ทุกวันนี้ปันหาเรื่องเงินรายวันหนักกวา่เงินค่าดอกเบี้ยอาทิตละหมื่นกวา่บาทฉันยังสู้หามาได้เป็นเป็นเดือนๆแค่นี้ฉันหาส่งไหวอยู่แล้ว ฉันอยากเอามาจ่ายค่าเทอมไห้ลูกไวๆวันนี้ได้ยิ่งดี ฉันอยากเห็นความสำเร็จของลูกฉันก็หายเหนื่อย อยากไห้ท่านที่ปรึกษาทุกท่านช่วยเหลือด้วย ฉันไม่ได้ต้องการกู้เงินหลักล้านฉันแค่ต้องการกู้เงินหลักแสนนิดๆได้โปรดช่วยฉันไห้หลุดจากนรกหลุมนี้ด้วย