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Pat

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Pat

  • Answers (42)
  • Questions (1)
  • Reviews (4)

Savings

Lifestyle

Refinancing

Loans

Pat
Pat
Level 5. Genius
Answered 1d ago
It's possible! Instead of a fixed rate loan, refinance at a SIBOR pegged rate or floating rate.
šŸ‘ 0

Investments

ETF

REITs

Syfe

Pat
Pat
Level 5. Genius
Answered 1d ago
Yeah sure, it will work. The % of portfolio changes btw. It can be ~50% bonds during market downturns and 20-30% during upturns.
šŸ‘ 0

Savings

Savings Accounts

Pat
Pat
Level 5. Genius
Answered 6d ago
Actually am doing the same as your friend. In the case of OCBC+, there is no spending required so it is a pure savings account with min $500 increase per month to qualify for the 1.45%. UOB One would be your spending + crediting of salary account. The interest difference is probably 1-2%, but frankly splitting it up into 2 accounts is more for forced (emergency) savings rather than interest. What your friend mentioned about bank crisis is valid -- max out the 75k SDIC insurance limit across the banks.
šŸ‘ 0

Insurance

AVIVA Travel Insurance

Travel Insurance

Pat
Pat
Level 5. Genius
Answered 2w ago
My experience with them has been straight forward and easy for travel claims - namely, damaged lugagge and medical reimbursements. Multiple claims over the past few years. As for advice, I've never seeked agents advice for travel insurance and always read the conditions (+compared them) prior to purchase. May I ask why it was wrong advice to purchase double cover in your case? (Caveat: experience was pre 20 Jan 2020 aka pre-Covid19.)
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AVIVA Travel Insurance

Travel Insurance

COVID-19 Refunds

COVID-19

Pat
Pat
Level 5. Genius
Answered 2w ago
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

Pat
Pat
Level 5. Genius
Answered 2w ago
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

Pat
Pat
Level 5. Genius
Answered 2w ago
Over = missed. You won't be able to get a refund.
šŸ‘ 0

COVID-19 Refunds

COVID-19

Travel

Pat
Pat
Level 5. Genius
Updated 2w ago
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. !
Answer image preview
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Miles

MileLion

Cashback

Rebates

SG Budget Babe

Credit Cards

Pat
Pat
Level 5. Genius
Updated 3w ago
Hello! Here are some benefits: - Spending money you don't have yet (i.e. borrowing on credit) - Cash rebates / Cashbacks / Miles - Credit card discounts Here are some articles to help you: - Maximising your credit card - How to apply - Myths about credit cards The hacks that come with a credit card depends on which credit card you are using. But generally, one hack is to use multiple CCs and max out the cashback/miles you get from each card if there is a monthly cap to the amount of cashback/miles earnt. Here is a wedding specific hack to credit cards.
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MileLion

Miles

Cashback

SG Budget Babe

Transportation

Transport

Credit Cards

Pat
Pat
Level 5. Genius
Answered 4w ago
Some promotions out there that end March 2020: (might be extended?) - Singtel Dash 50% cashback for first 10 rides - DBS Lifestyle SimplyGo "game chance" - just join the campaign. For cards with simple cashback: 1. Citibank SMRT Card (read online!) 2. Maybank FC Barca (1.6%) 3. DBS Visa Debit Card (3%)
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