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Miles

Credit Card

MileLion

For online spending, consider getting the following 1. DBS Woman's world card- 4 mpd (miles per dollar), capped at $2,000 per month- you don't need to be a woman to get this card! 2. Citi Rewards Visa- 4 mpd, capped at S$1,000 per statement month 3. OCBC Titanium Rewards- 4 mpd, capped at S$12,000 per year. this is better if you're buying a one-shot big ticket item, as the cap is applied per year rather than per month. You can get both the Blue and Pink version of this card to double your cap do remember that certain exclusion categories apply (eg insurance, government payments), so be sure to refer to the T&C. Refer to this guide for more details on what card to use where: https://milelion.com/credit-cards/guide/

Property

Lifestyle

Savings

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Junus Eu
Junus Eu
Top Contributor

Top Contributor (Nov)

Level 9. God of Wisdom
Answered 1w ago
Not moving house, but just moved office and I realized that its so costly to remove fixtures like full glass divides and fake walls, if the owner wants it to be reverted to original condition. Ie. take out fixtures like ceiling fans etc. Sometimes, they do want to retain the aircon. That said, if you plan to stay there long term, then it makes sense to invest in it!

Lifestyle

Shopping

Samuel Chin
Samuel Chin
Level 4. Prodigy
Answered 2w ago
Depend on what you value its worth. Some fancy the brand itself and compatibility with like iPhone. Feels good having the image and gives you confidence? After all Apple is the first that started it. But if you're talking about audio quality, other brands who focus on audio products will be better.

Lifestyle

Savings

Shopping

MileLion

It depends what you mean by "most worth it" If you're talking about rebates (in the form of points), here's the range for each chain (value of points based on The Points Guy's valuations). There's a range because base members earn fewer points than elite members. - Marriott Bonvoy: 7.6-13.3% - Hilton: 5-10% - World of Hyatt: 8.5-11% - IHG: 5-10% - Accor: 5-8.8% - Radisson: 8-14% In addition to the regular points, you'll want to consider quarterly points promos. Marriott's are relatively lacklustre, and Hilton has stepped up recently with better offers. If you're talking about elite recognition, World of Hyatt probably has the strongest offering right now. SPG's elite benefits have been diluted by the Marriott merger, and Hilton's top tier of Diamond does not offer much incremental benefits over Gold status. I personally would pick either Hilton or Marriott, although what you pick depends on where you see yourself traveling and what kind of hotel you usually stay in (full service/serviced apartments/budget etc). P.S: Don't bother with Accor's loyalty program until we see what big revamp they have planned with Accor Live Limitless' launch at the end of this year. The current one is a trainwreck.

Entrepreneurship

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Salary

Royalchem
Royalchem
Level 5. Genius
Answered on 05 Nov 2019
Selling pre-loved items and unwanted i believed is fine. In a way there was no profit from it. It is still better to check iras website.

Credit Card

Shopping

Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 03 Jun 2018
Just want to know your concerns over your credit score. Are you using it for a loan or something? Based on what you describe, you technically have perfect credit score, since you have no outstanding liabilities with any bank. So, to apply for a credit card to "improve" your credit score is not going to work. Applying for any credit card DO NOT improve credit score. Instead, just keep being prudent and only apply for a credit card when you are in the working world.

Shopping

Lifestyle

Hi anon, I would bring my mentor for a meal and stay in touch after that. If he/she has truly impacted your life, the wisdom you have gleaned is priceless. Your action of gratitude will go a long way to maintaining the relationship.

Shopping

Lifestyle

Cedric Jamie Soh
Cedric Jamie Soh, Director at Seniorcare.com.sg
Level 8. Wizard
Updated on 18 Sep 2019
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!

Lifestyle

Shopping

Comparison

Alvin Teo
Alvin Teo
Level 6. Master
Answered on 27 Oct 2019
Another consumer advice again: it's true that iPhones have better resale value and it’s not because Apple users fart nicer than others... But because iPhones or any other Apple devices do not slow down after years of usage. And they continue to receive software upgrades. I have been using my iPhone 6S longer than I’ve been married. Around iOS 9/10 was bad till they admitted using software to hold back phone performance (but I didn’t even realise) subsequent updates have been good and no issues. Used a couple of extra androids and iPhone as work phones previously and I’d say iPhone suits me more.
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