Who can recommend the best miles card fit for a jetsetter who is equally conscious of clocking miles?

For earning rates, yes UOB is fantastic but do note that your spending has to be minimum $5 to accrue any miles. UOB earns you 1.4 miles for local and 2.4 for overseas trips which is one of the best rates I think. If you’re using your credit card overseas, be sure to avoid the DCC scam and activate your magnetic strip only for the period necessary.

Although UOB PRVI Miles Card offers many more benefits and pecks, I will point out two as they have to do specifically with travel. UOB PRVI Miles Card offers complimentary airport transfers to Changi Airport for UOB PRVI Miles American Express Card members. Secondly they also offer travel insurance in the form of complimentary personal accident coverage and emergency medical assistance of up to $500,000.

Actually all the mentioned arrangements will remain unchanged but your new Card’s expiry date will be different, so it is advisable to inform the respective merchants, where the credit/debit cards expiry date is necessary for authenticating any credit/debit card. Card activation will still be required to be completed before any transaction can be charged at any point-of-sale terminals.

Basically you receive 6 miles for every S$1 spent on selected travel partners. Card members will earn UNI$15 for every S$5 spent (equivalent to 6 miles for every S$1 spent) on corresponding Qualifying Transactions for each of the travel partners as described below. The rate of UNI$15 for every S$5 spend on Qualifying Transactions comprises of local spend for every S$5 spent, prevailing earn rate of UNI$3.5 and bonus earn rate of UNI$11.5; or overseas spend for every S$5 spent, prevailing earn rate of UNI$6 and bonus earn rate of UNI$9; depending on the currency and payment gateway effected on the Qualifying Transactions. The bonus UNI$ is not valid in conjunction with other promotions however and qualifying transactions exclude refunded, disputed, unauthorised or fraudulent transactions and UOB reserves the right to revoke, deduct and/or re-compute any UNI$ in the event that Card members cancel, reverse and/or revise transactions

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).

Your interpretations are correct but we can look deeper into its characteristics. A bond has a face value which is the amount the bond will be worth at maturity and the amount the bond issuer uses when calculating interest payments. A bond has a coupon rate which is similar to interest rates. A bond shouls always have a maturity date which is self explanatory. Probobly the most important characteristic is the issue price which is the original price the issuer sells the bond.

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 four main companies in Singapore that offers business plans. We have OCBC, Maybank, POSB and Philip Share. This plan is great for individuals who just started working and have little capital to invest, people who don't want to spend time analysing stocks and people who dislike market volitility.

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.

In a joint statement, the Ministry of Law (MinLaw) and Ministry of Manpower (MOM) said that foreigners living in Singapore will be subject to new aggregate loan caps and the self-exclusion framework for borrowing from licensed moneylenders just like Singaporeian citizens. This just implies that this will better protect foreigners such as yourself residing here and your/their employers from the effects of over-borrowing.