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Pat

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Pat

  • Answers (43)
  • Questions (1)
  • Reviews (4)

Singlife Account

Standard Chartered JumpStart Account

CIMB FastSaver Account

OCBC Frank

DBS/POSB eMySavings Account

Savings

Savings Accounts

I have been using OCBC Frank and placed my money there for years (<$10k) but their rates are low and I have been thinking of branching out. What would u recommend?
Pat
Pat
Level 5. Genius
Updated 4w ago
Savings in Singlife, expenditure in SC Jumpstart. Prefer SC even tho the rate is at 1% from 1 July 2020, since there is a debit card provided which will give you 1% cashback. Plus, if withdrawals are needed, it is easier to find SC ATMs as compared to CIMB. Jumpstart is still better than Frank (in all aspects). Since you have less than 10k, recommend like 60% in Singlife and 40% in SC. Monthly earnings can be split in the same ratio too.
šŸ‘ 0

Payments

COVID-19

Loans

Education

Interest Rates

Personal Loans

Will Study Loan interest rates drop?
Pat
Pat
Level 5. Genius
Answered on 05 Jun 2020
Local public, local private or overseas university? For local public ones (NUS, NTU etc), it is interest-free during your course of study. There's up to 5 years of interest free loan repayment upon graduation. Afterwards, the interest rate is an average prime rate of DBS, OCBC and UOB (its the rate 4-5 years later, so hard to say what the rate will be). For the rest, possible but haven't seen study loan rates drop yet? https://www.moneysmart.sg/education-loan
šŸ‘ 0

Savings Accounts

Savings

DBS Multiplier Account

OCBC 360 Account

UOB One Account

COVID-19

Interest Rates

With all the latest revisions to the savings accounts interest rates in June 2020, which will you choose - DBS Multiplier vs UOB ONE vs OCBC 360?
Pat
Pat
Level 5. Genius
Answered on 01 Jun 2020
Don't think most will agree with me but: With revised rates being similar and expenses lowered due to WFH, I won't focus on jumping hoops for minor increments and will stick to my current savings account for salary crediting. Not worth the hassle of changing. I would rather increase investments (with robos or DIY) or increase CPF contribution (this is for retirement).
šŸ‘ 2

Lifestyle

COVID-19

Hi! Does anyone know what's a good affordable laptop to buy? My laptop has spoiled and my company is going to implement WFH soon and I desperately need to buy a laptop, any suggestions?
Pat
Pat
Level 5. Genius
Answered on 04 Apr 2020
I really like Mac Plus! Fast service and honest. You can message him for a diagnosis of your problem first before heading down. I'm biased towards Macs but I do like Microsoft Surface (with at least i5 core processor).
šŸ‘ 0

Savings Accounts

Interest Rates

DBS Multiplier Account

OCBC 360 Account

UOB One Account

With the latest changes to the savings account interest rates, what are you doing differently to work around this?
Pat
Pat
Level 5. Genius
Updated on 02 Apr 2020
Maxing out various frills-free accounts - SingLife first 10k at 2.5% - Jumpstart first 20k at 2% - CIMB at 1% (may transfer to SingLife since post-first-10k at 1% too)
šŸ‘ 3

COVID-19 Refunds

COVID-19

Travel

SG Budget Babe

Travel Insurance

I have tried to get in touch on live chat, phone call and email to ask for refunds with Jetstar. I understand that I may not be able to get full refunds, what is my best course of action?
Pat
Pat
Level 5. Genius
Answered on 02 Apr 2020
You can attempt to go down to their physical office if it is still open as another option. Have you already missed your flight or it is an upcoming flight that you wish to get a refund for? If it is an upcoming flight, I believe they have reimbursements for flights in the next 3 weeks. Follow their page for updates as well! https://www.jetstar.com/sg/en/travel-alerts
šŸ‘ 0

AVIVA Travel Insurance

Travel Insurance

COVID-19 Refunds

COVID-19

During this COVID-19 period, what does AVIVA Travel insurance cover? are the TnC different?
Pat
Pat
Level 5. Genius
Answered on 20 Mar 2020
If you purchased the plan before 20 Jan 2020, lucky for you claims are covered. If not, no refunds.
šŸ‘ 0

COVID-19 Refunds

Travel Insurance

COVID-19

Travel

Cancellations

Hi, I booked a trip with Scoot last year to Taiwan. I bought travel insurance last year as well, so should it cover trip cancellations bc of Covid-19?
Pat
Pat
Level 5. Genius
Answered on 20 Mar 2020
Speaking with experience from NTUC Income, since the airline is giving a type of 100% refund, I wasn't able to claim cash from insurance. You can keep trying with FWD, but I think they might be similar to Income with their policy conditions...
šŸ‘ 1

COVID-19 Refunds

Travel

Travel Insurance

Can scoot refund flights that are over?
Pat
Pat
Level 5. Genius
Answered on 18 Mar 2020
Over = missed. You won't be able to get a refund.
šŸ‘ 0

COVID-19 Refunds

COVID-19

Travel

Agoda says to waive all fees on cancellation. Does this means full refund for my booking?
Pat
Pat
Level 5. Genius
Updated on 18 Mar 2020
Yes. Free cancellation = full refund. If you don't feel settled, feel free to message your hotel and they should reassure you that Agoda will handle it on their end. !
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šŸ‘ 0
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