Hmm I got D for economics but from my own reasoning Demand for goods and services decreases - people choose to stay in instead of go out, reduction in group gatherings - worries bout recession causes people to go into a “saving” mentality - anything Related to the travel industry gonna have HUGE loss in demand (eg, food, travel tech companies, hotel, flights, tours etc) Inefficient workforce (lower output) - Govt are enforcing work from home/ halt of businesses to continue, and ofc lots of people are getting quarantined - manufacturing, retail, fnb sectors gets affected Result in loss of revenue for many companies, so they need to think of measures to cut cost - lay offs - less pay (eg some companies make workers take 3 months no pay leave) Which will result in people spending even less, and the cycle continues...

Open a CDP account LOL

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Good question, I'm curious as well. I have acquaintances (FAs) coming up to ask me to meet for meals etc but I don't really trust those kind of people...

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Hey there! You might want to check out Seedly Reviews where users leave their experiences with these financial products, https://seedly.sg/reviews/credit-cards All the best!

Hey! Is this your first card? For me the Live Fresh card is my base card because you get up to $20 cashback on online spend (total $400) and $20 cashback on paywave (total $400), I usually spend using these two methods so most months I can get $40 back. On top of that, for big ticket items like plane tickets or travel accoms I use another miles card to book!

If you want to get the benefits so much why don't you just offer to pay first? Or you can just say you want to rewards so you would like to pay first. Usually, I just let them know and most people don't mind... especially if they are good friends!

How about Financial Literacy for people of different income brackets? I think it's interesting to find out if family background/environment affects the level of financial literacy and if this leads to a "vicious cycle" eg. the poorer you are the less savvy you are hence worsening your situation. Please update us on what you decided to write in the end! Super interesting!