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Technical Analysis

I would ask you to consider 2nd hand/refurbished laptops. There are a few sellers on Qoo10 that you can consider. I had the same requirements as you and bought mine for $500 and has served me well for the last 2 years.

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Family

Shopping

Economies of scale. There is far more production of white rice rather than brown. As such, it becomes cheaper to manufacture. Also, the shelf rice of brown rice is shorter and it requires more resources to maintain the quality during production, transportation and storage. Nutrition-wise, it is considered a whole grain, so more nutrients are kept within, compared to white rice.

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Lifestyle

Cashback

Han Jinyuan Larry
Han Jinyuan Larry, Senior Lifeguard at Certis
Level 3. Wonderkid
Answered 3d ago
If any cashier tells you that you need to pay additional for using NETS, either you pay in cash or you go to another place to purchase.

Lifestyle

Credit Card

Shopping

Aik Kai
Aik Kai
Level 6. Master
Answered 2w ago
The power of triple-dipping, especially for miles chasers Imagine this situation. Person A and B are at Subway and they ordered the same thing. They are paying for their order at the cashier. Person A pays with his credit card only. He gets either cashback or miles based on the card he uses. That's it. Person B pay using Fave Pay and his/her account is linked to Grab. His GrabPay was topped up by his miles credit card (i can't say much for cashback cause I am not sure). So he earns miles from topping up GrabPay (first dip), earn rewards points for using GrabPay (2nd dip) and earn cashback through Fave for using Fave Pay (3rd dip). Same order, same amount, but Person B walk away with more rewards and cashback. So why not? Grab Rewards have have a lot of things in their catalogue but essentially Grab is still a ride-hailing service provider. The points you earn, just redeem for promo codes lor if you don't have other uses for them. If I already need to take Grab and they give me points along the way, who am I to say no?

Credit Card

Shopping

Miles

HSBC Revolution Card

You may have to download the specific credit card transaction terms and conditions to see if Singtel Dash is EXCLUDED. My guess is almost or all credit card out there would have excluded Singtel Dash, and set it under topping up of another payment system, and hence no credit card points for such transfer of money anyway.

Expenses Tracking

Lifestyle

Shopping

Family

Savings

Elijah Lee
Elijah Lee
Top Contributor

Top Contributor (Sep)

Level 9. God of Wisdom
Updated on 26 Jun 2019
Probably just me, but I actually enjoy spending on stocks and UTs and the like, and so I find them worth my money and time. I have a goal to be financially free the moment I graduated and I have not lost sight of it. (Didn't have a time frame for that though, although things are starting to crystallize now). The adrenaline rush when I get a stock at the price I want or buy into a good UT to average down prices probably is the same as when someone buys a physical item like a bag or a car. Maybe that's why I am in my current job! That aside, your question made think deeper and I would say I do spend on my hobbies as well. Once in a while I also ensure my family and loved ones can have a good meal during occasions like birthdays. Of course I would ensure that I don't break the bank doing so. It's all about budget, planning and control.

Shopping

Adrian Goh Jun Wei
Adrian Goh Jun Wei, Product at Nodeflair
Level 4. Prodigy
Answered 2w ago
Have not purchased everything from there but has downloaded the app to take a look. TLDR: It is as advertised, but has poor UI, minimum top-up and limited items. Would only recommend if you buy a variety of products What I like: - it is as advertised where price keeps dropping. E.g. there's a $10 Coffee Bean gift card for sale at $1+ at the end of the day What I dislike: - App UI is slightly overwhelming and confusing as it is rather different from the typical e-commerce app - There's a lack of variety of items for sale daily. - A minimum of $30 has to be topped up before you can start purchasing. To me, this is one of the biggest turnoffs as I don't like my money to be locked in. Coupled with the lack of variety of items, I'm even more concerned if I will even finish using the credit

Shopping

Lifestyle

How much have you spent on your laptop/desktop? How much time do you use your laptop/desktop? It's normal to spend abt $1.5k to $2k (even $3k for those who need a fast laptop) on a proper laptop for studies or work. You probably spend more time on your phone than on a laptop (or tablet). Going by usage by hours in your life, are you sure that item is expensive? I just want to spend as little time as I could in charging/ maintaining/repair/downtime and please please no lag on a phone I spend hours on it for work and leisure. I stopped telco's contracts years ago, opting for a basic plan, and buying my phones directly, hence saving money by cutting off telco tied plans. And a great "expensive" phone usually last me 4-5 years. I was using my wife's old phone (because she decided her android phone battery life is ridiculous and she switched to iPhone) for extra 1-2 more years before I too switched to a newer phone. Whatever you spend, think of how long it can last you, I think it would be reasonable if you plan to use it for a longer time than a cheap phone that gets replaced earlier PS: its more environmentally friendly to use a phone for as long as you can too!

Shopping

Lifestyle

Credit Card

Lee Wen Wei, Cfa, Frm
Lee Wen Wei, Cfa, Frm
Level 2. Rookie
Answered 3w ago
It depends on what you are looking for. Cashback or Miles. For cashback, you can consider Maybank FC Barcelona Visa card, it has cashback of 1.6% with no min. and max. spending. For Miles, you can go for UOB PRIV miles card. It gives 1.4miles per dollar spend, and also 6 miles if you book through 3rd party apps like Expedia and Agoda. As for your second qs, definitely use 3rd party apps IMO. Don't forget to sign up for a Shopback account to earn even more cashback while you book your tickets/hotel. Hope this helps!

Stocks Discussion

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Bank Account

Shopping

Gold is just a shiny piece of rock. It's valuable because people believe it is valuable. Same for currency. It's valuable because everyone thinks it's valuable. (for that matter- bitcoin, crypto, stocks, etc etc) Reminds me of a quote from Game of Thrones:- “power lies where we think it lies.” “In a room sit three great men, a king, a priest, and a rich man with his gold. Between them stands a sellsword, a little man of common birth and no great mind. Each of the great ones bids him slay the other two. ‘Do it,’ says the king, ‘for I am your lawful ruler.’ ‘Do it,’ says the priest, ‘for I command you in the names of the gods.’ ‘Do it,’ says the rich man, ‘and all this gold shall be yours.’ So tell me – who lives and who dies?” Varys then poses the true riddle, and one of the main themes of the series: If power lies with the men who carry swords, why do we pretend that kings hold the power? Power, he argues, is ephemeral, a shadow – “power lies where we think it lies.”
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