Citi PremierMiles charges a 3% fee on foreign currency transactions. Where as the spread on YouTrip is about 0.2%-0.4% from my past experience. So effectively, you are paying 2.6%-2.8% for 2mpd which amounts to a mile costing 1.3-1.4 cents which is still a good price in my opinion given that most people would value for miles at about 1.8 -2 cents per mile ( market rates as well ) Something NOT Applicable for CitiPremier miles that you may want to take note of; it’s that some other travel cards do offer Free Airport Transfer when you hit a certain limit on overseas spending on top of the higher earn rate on overseas spending. So thats also something to take into consideration. https://www.citibank.com.sg/globaldocs/pdf/CitibankPremierMilesVisaCardmembers_Agreement.pdf

Your initial capital outlay is 1, assuming annual growth of 5% being 1.05; growth of 12% being 1.12 To calculate it manually enter 1 followed by the multiply sign, then enter 1.05 and press “=“ however many times you want, each time being a year. Alternatively if you have a fixed number of years in mind. Eg. 20 years. At 5% annually Tilt your iPhone horizontally and enter 1.05 followed by X^y followed by 20 and press “=“ (equals)

From what i have gathered, they usually only accept policies between 10 to 20/25 years since inception. Usually the surrender values then are not high, so it's kinda like buying an undervalued property. Of course another way of looking at it is that they are buying into the death benefit of the life assured and/or the participating subfund that the plan is written with.

I would recommend that you join CPF Life as it's a annuity with lifetime income till death. With the older CPF Minimum sum scheme, your monthly payouts are drawn from your RA account which means that payouts will STOP when your RA balance reaches $0 at around 85-90 y/o. leaving nothing for yourself or any bequest for your children/dependants. I personally helped my grandmother join CPF Life; The Basic plan made more sense as the total amount including bequest, would be much higher than the Standard plan albeit slightly lower in monthly payouts for the basic plan. you might want to read these 2 articles as well as the CPF site to have a better understanding to better decide if you would want to join CPF Life. https://dollarsandsense.sg/standard-basic-plan-need-understand-cpf-life-plans-deciding/ https://blog.moneysmart.sg/budgeting/cpf-life-payout-plan-minimum-sum/ https://www.cpf.gov.sg/Members/Schemes/schemes/retirement/cpf-life

Having some credit activity with a good score would definetely help with getting a higher loan quantum but banks seldom vary the interest rate base on a better credit score. You can start building up your credit score with a credit card by always repaying your credit card bills on time and avoid applying for too many credit cards as their might view you as being credit hungry. NEVER ever overspend beyond your means / default on your credit card bills. Credit cards when used with prudence can be a very useful tool; You earn points / cashback from your spending too. https://www.singsaver.com.sg/blog/5-ways-to-get-the-highest-credit-score-in-singapore https://www.posb.com.sg/personal/articles/my-goals/home-assets/how-to-improve-your-credit-score https://www.creditbureau.com.sg/credit-score.html

It really depends, So far UOB has been awarding me miles for Grab transactions. https://www.uob.com.sg/assets/pdfs/kfcreditcardfulltnc.pdf?scid=pfs:sg:paid:sea:go:na:tx:na:001506:240419-evergreen:na:cvpgift:pc-go&vid=pc-go Quoted from the T&C KrisFlyer miles will not be awarded for NETS and NETS-related transactions, 0% Installment 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.

There’s no best credit card, just the ones that are best suited to your lifestyle. For most people, a Cashback card like UOB One fits the bill for most things. Maybe you can use a tool like moneysmart to compare what’s best for you.

Spending on UOB credit cards does not award you miles directly. Instead they are rewarded in the form UNI$ to be redeemed into miles. Not only do Miles/Travel card earn miles. Reward cards such as UOB Preferred platinum visa (PPV) earn UNI$ which can then be converted into miles. In fact not just UOB Cards work in this manner, DBS Cards work in the same way as well. So to answer your question, Yes you can (with the exception of Cashback/Rebate cards)

You definitely need to be able to gather a pool of interested stall tenants before even considering this business. If you were to purchase an entire existing coffeeshop if may cost you around $5000 psf and up. Leasing it would probably cost you about $30psf per month; a small coffeeshop probably around $75,000 - $120,000 each month. Refurbishing/Creating a new layout for a bare unit would also incur huge costs. Profits would probably be about 10-20% of subletting rental revenue? Largely depending on how you run your business. Coffeeshops like kopitiam/food republic i’m sure charge tenants a percentage of their gross turn over(GTO) as well as charges for the cleaners/utilities/branding? However you do undertake huge risk as well as difficulty in managing the coffeeshop, providing and ensuring quality, consistency, diversity of stalls So it is a highly competitive and capital intensive business to be in. When successful however, very lucrative. https://www.straitstimes.com/singapore/bukit-batok-coffee-shop-sold-for-31m https://www.google.com.sg/amp/www.asiaone.com/business/hougang-coffee-shop-sold-record-238m%3famp

I'm not sure about UOB Mighty FX and RHB TravelFX. but comparing DBS MCA to YouTrip; Based on what i have gathered and through my own experience, YouTrip tend to offer better rates with the least margin. On another note, i do personally feel that it's safer to use YouTrip instead of your own debit/credit card as a precautionary measure against theft as you can instantly lock your card from the app. DBS MCA does offer free overseas withdrawal, though quite a limited range of banks/locations. I believe that overseas ATM Withdrawal would only cost S$5 with the YouTrip card, a small price to pay for the additional security of not holding on to too much cash. It would also be prudent to bring along a backup card such as the DBS MCA that you can keep just in case you do lose the YouTrip card.