In terms of utility payments is the SCB Singpost/Spree Card a good deal?

SCB Spree has no exclusion and can be used for virtually all utility payments e.g. internet and phone bills plus you still get 1.5% cashback. Personally I find that efficient but depending on your needs I suggest you take a look at each retailer's website offer with the banks, so that you aim for the best deal.

The Spree Credit Cardholders Digital Online Shopping Protection ensures that in the event that a Spree Credit Cardholder buys goods online for personal use that turns out to be a “Non-delivery of the goods” or “Non-compliant goods”, insurance cover of up to S$1,000 during the Period of Insurance is provided, subject to the Allianz Cyber Insurance Master Policy and Conditions. As for Online Price Guarantee, If a Spree Credit Cardholder purchases a Covered Item online, pays for it in full, using the SCB Spree Credit Card and within 14 calendar days of the date of purchase, finds the exact item being offered at a lower price on another website, Allianz will reimburse the price difference up to S$1,000 per Covered Item, subject to the Allianz Cyber Insurance Master Policy and Conditions.

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.

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.

The main phone provider in Singapore is Singapore Telecom. They provide both land and mobile phones as well as Internet access. The telephone number for Singapore Telecom is 1-800-738-1311 or 1-609-738-1311. When getting a landline installed, it normally takes five business days. These phones are capable of both national and international calls.

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.

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.