Hi anon! I've recently written an article about student credit cards and I found that the CIMB AWSM and Maybank eVibes would have been my top choice if I'm still a student! Both cards offer 1% cashback, which is pretty impressive given that they both don't have any minimum income required! Maybank eVibes seems like the best for general spend since the cashback is eligible for all retail spend, while CIMB AWSM's cashback is only for dining, entertainment, online shopping and telco bills. CIMB AWSM has no annual fee so you won't have to worry about extra expenditure. Maybank eVibes has a $5 quarterly fee, it's free for 2 years and to be honest, really easy to waive since you just have to charge to your card once every quarter. I'm not a big fan of the DBS Live Fresh Visa Student Card since the cashback is only 0.3%. Like Zhe Liang shared, you shouldn't be spending more just to get the cashback or just because you have the credit limit of $500.

Hi anon! You can try using this Google Sheet I've done up when writing the article on hitting FRS. Been using it for myself and my parents too. By default, the spreadsheet assumes a starting salary of $3.5k from age 25 and with a yearly increment of $110. You'll need to adjust the following columns: - Monthly Salary : Input your current salary in the respective year and project your future salary for a rough estimate - HDB Loan Monthly Instalment : While you might not have a current loan, this column takes into consideration future loan payments. Adjust your own figures and see how much you might need to top up to hit FRS. Do note though that this is not 100% accurate, as CPF calculates the interest monthly but tabulates at the end of the year. _

Hi there, thank you so much for pointing it out! I've just amended the table :)

Hi anon, The main criterion for the Married Child Priority Scheme (MCPS) is that the flat you're applying for needs to be within 4km of either parents' property. Yeap, there will be a section for you to indicate if you are applying for any priority scheme, so you just have to select the MCPS. No supporting documents are required at the point of the application, but you'll have to fill up the personal particulars and address of the parents staying within 4km. I suppose they'll check and verify the distance on their end? I guess I was unlucky as I didn't even get a ballot with the extra chance from MCPS, but I've heard from other applicants that the parents will need to go down to HDB if the application is successful, and sign a declaration that they won't move house anytime soon? As for your last question, it's the same as a general application without any priority scheme, you don't have to be registered under ROM yet. Best of luck with your application!

Hi anon, From the past few launches, I'm thinking mid-Nov onwards? Best to register for their alert service like Alvin mentioned and keep checking their page. Even with a non-mature estate, it's all down to luck. But if the estate you're applying for is within 4km of your parents' flat, you'll get extra chances! Or if you've previously applied for a non-mature estate and didn't get a ballot number, you'll also get an extra chance if you apply for a non-mature estate again this round. Good luck with your application!

Baby clothes seem like a popular choice, but that also means they'll end up receiving a lot of that. If the parents are your close friends, you can try asking them what they need! That way, you can avoid giving them something they already have or will be receiving a lot. Otherwise, an angbao won't go wrong!

It seems like they don't have that feature so far, even downloading the statement as a PDF requires manual calculation on our end.

Hi anon! I feel you too! While I can't answer why toothbrushes are so expensive in FairPrice, I can recommend a few places you can get them for cheap! Depending on which one is the most convenient for you: - Pink Beauty/Venus (They've got a few outlets and I think they're usually side-by-side) - Swanston (Chinatown) - Ocean Cosmetics (Chinatown) - Mustafa - CK Department Store Otherwise, do check out Lazada, Shopee and other e-commerce sites for good deals too! Hope this helps!

I'm not investing in US stocks at the moment, but from what I read, some people will choose to reinvest their dividends. This way, they won't get taxed for their dividends, and they will also be able to buy more shares.