Blog
How Do You Calculate Total Debt Servicing Ratio?
What is Total Debt Servicing Ratio? TDSR provides a measurement of an entity or a person’s ability to repay their debts. But how do you
Bank Loan vs HDB Loan: A Complete Homeowner’s Guide
In essence, you have two choices for financing an HDB flat – a bank loan or an HDB loan. And the confusion starts here as
How to Refinance HDB Loan into Bank Loan in Singapore
Switching your HDB loan to a regular home loan or bank loan is a common way of refinancing your HDB in Singapore. But understanding your
6 Best Debt Consolidation Plans (Singapore) in 2023
Loan consolidation sounds like a great way to gain control over your debts. After all, it reduces the number of loans to pay for and
5 Best Banks to Get an Urgent Loan in Singapore 2023
An urgent loan can provide a much-needed lifeline if you find yourself needing urgent cash to tackle immediate expenses or unexpected debt, such as medical
Loan Tenure: What is it and How to Calculate it for Mortgage
A loan tenure is the duration of the loan or the amount of time you’ll have to repay your loan. A short loan tenure covering
6 Common Personal Loan Mistakes and How to Avoid Them
While personal loans come with many benefits, they don’t come without risks. When seeking a personal loan, think about the deep “why’s” and make sure
Comparing Effective Interest Rate vs Nominal Interest Rate
An effective interest rate is a return you get from investing. In contrast, a nominal interest rate is a stated payoff offered by an investment.
Effective Interest Rate (EIR): How Does It Affect the Loan?
The advertised rate, also known as the nominal rate, is the total interest you will pay on the sum you borrowed. It is usually a
Debt Consolidation vs. Personal Loan: How Do They Differ?
In a 2022 report from Chanel News Asia, some credit companies reveal that the applications for personal loans in Singapore have doubled compared to the
6 Best Wedding Bands in Singapore for your Wedding 2023
Through generations, wedding bands have become an essential part of wedding rituals among Singaporeans and other cultures. Not only are they a symbol of love
Glorious Nuptials: 10 Top Wedding Planners In Singapore 2023
Most people want a picture-perfect wedding: smiling, well-dressed bride and groom, a sublime setting with elegant touches, perfect lighting and floral decorations, supportive guests, and
Review: Best Apps That Earn Money in Singapore in 2023
Money-making apps are reliable side income streams. They allow you to expand your bank account with minimal effort. Plus, you don’t have to be tech-savvy
Best CIMB Credit Cards 2023 – Find Your Perfect Credit Card
A CIMB credit card can offer customers cashback rewards, access to CIMB deals discounts on luxury goods, and much more. But with several different CIMB
The Best HDB Renovation Loan in Singapore This 2023
HDB properties are affordable homes, but they’re not always in great shape upon purchase. Finance the repairs the best way with our guide to renovation loans.
Technical Analysis vs. Fundamental Analysis: Key Differences
Investors use two primary analytical skills to determine the value of company stocks: fundamental and technical analysis. The two approaches stand on opposite ends when
Secured vs. Unsecured Loans: All The Things You Need To Know
Loans come in handy to those who need a quick influx of cash. Yet, as easy as it may sound, there are much more things
Short Position vs. Long Position: Which is the Best?
What’s fascinating about the modern financial world’s creations, among others, is making money from short and long positions in stock markets. Two popular investment options
Axos Managed Portfolios Review: Best for The Self-Directed Investor
Axos Managed Portfolios is designed for investors looking for low-cost investment portfolios and a range of investment options. With an annual management fee of 0.24%
SigFig Review 2022: Best for No-Fuss Portfolio Management
SigFig is a Robo-advisor that works using third-party investment brokerage firms that will help you manage your portfolio with unlimited human advice. It offers low
Ally Invest Review 2022: Best for Low-Cost Commissions
Ally Invest is an investment advisor ideal for active traders looking for $0 minimum deposits, easy-to-use tools, commission free investing, and 24/7 market access. It
Supplementary Retirement Scheme (SRS): Should You Have It?
If you have started looking into your retirement, you might have already come across the SRS or the Supplementary Retirement Scheme. The SRS is a
Trust Credit Card Review: Best for NTUC FairPrice Customers
Trust credit card is the latest card in the market for avid travelers and those who love to shop at NTUC FairPrice. It is designed
Understanding Excess Car Insurance – A Complete Guide
Car insurance policies are mandatory in Singapore, which means that if you want to drive in the city-state, you will need to buy car insurance.
5 Secured Credit Cards in Singapore to Boost Credit Score
Most credit cards in Singapore are unsecured. However, some people cannot meet the minimum requirements of credit cards that don’t require collateral. Fortunately, secured credit
The Singapore Tax System: Types of Taxes to be Aware of
Singapore has become a tax haven for most international investors thanks to its business-friendly tax system. The country has attractive personal and corporate tax rates,
Repricing vs Refinance Home Loan: How to Tell Them Apart
Repricing and refinancing both aim to lower the interest rate and monthly repayment amount of a home loan. The key difference is: repricing means getting
HELOC vs. Home Equity Loan: Which Suits You Better?
HELOCs and home equity loans have one main thing in common: they’re secured by your home. You stand a higher chance of getting either if
On a Credit Card Hunt? A Detailed Guide to the 8 Types of Credit Card
Are you looking for the best credit card that matches your spending habits and suits your needs? Hundreds of credit cards are available, and choosing
UOB Gold and Silver Price: How to Start Investing Guide 2022
UOB(United Overseas Bank) is a niche in trading gold and silver. The bank offers comprehensive and exceptional investment services you would think about.
How to Pay Your Credit Card Bills: A Complete Guide
Whether it’s the first time you will pay your credit card bill or have already done so previously, knowing and constantly being updated on your
Your Guide to the 6 Best Semiconductor ETFs to Invest in 2022
Semiconductor ETFs have offered great returns to investors over the past decade. While investing in the sector can be daunting and uncertain at times, it
How to Choose The Best Card in Singapore: What Suits You?
Getting a credit card can bring financial ease and it is more than a digital form of banking. Owning a credit card can give you:
Blooom 2023 Review: Is This the Robo Advisor for You?
Blooom is a comprehensive investment platform. It is an affordable Robo-advisors designed to make it easy for your retirement accounts, including your 401 (K). Blooom
8 Best Paid Surveys in Singapore to Earn Money Online
Completing surveys online is a simple way to make extra cash on the side. The process is convenient since all you’ll need is a stable
9 Best Corporate Credit Cards: What Suits Your Business?
Many businesses rake in tons of revenues each year. They spend most of this money on expenditures like IT equipment and office rental. Although this
A Detailed MoneyOwl vs Endowus Guide: Which Robo Advisor Suits Your Needs?
Robo advisors have become very popular over the past few years. These investment platforms provide many tools that allow retail investors to easily open accounts
Where to Get Financial Assistance in Singapore in 2023
Singapore is the fourth richest nation globally. Despite this fact, many of its residents still belong to low-income households–they are earners that receive less than
Ellevest Review 2022: The Robo Advisor by Women, for Women
Ellevest is a comprehensive investment management service designed to help women make better financial decisions to take control over their futures. It is a well-rounded
Cash Over Valuation (COV): The Noticeable Mark on HDB Prices
Cash Over Valuation is a not-so-new kid on the block that you may have to worry about if you’re looking to buy a resale HDB
Electric Car Insurance: Are Electric Cars Cheaper to Insure?
There’s a fat chance that one of the vehicles you’d get to ride in Singapore would have an electric or hybrid engine: from the bus
9 Most Affordable Items Worth Buying at Value Shop Singapore
ABC Bargain Centre and Value Dollar Shop are famous for selling items like chocolate products at ridiculously low prices. But that’s not all they bring
Best Way to Finance A Car in Singapore: What Are The Options?
Singapore is probably home to the world’s most expensive cars: for example, Toyota’s 2021 Vios is considered an entry-level vehicle in the Philippines and nearby
3 Types of Car Insurance Singapore: Which Should You Get?
Singapore’s road fatalities are increasing again. The number of deaths has grown from 83 in 2020 to 107 last year: a one-third augmented across the
Your Guide to the 10 Best Digital Banks in Singapore
Digital banks have been increasing in Singapore since June 2019. This is after the Monetary Authority of Singapore (MAS) began issuing wholesale and full digital
HDB Income Ceiling for BTO, EC & Resale Flats 2023
Everyone deserves proper housing. This is what the Singaporean government tries to uphold by setting an earning cap on HDB flats. At least 80% of
Your Complete Guide to Personal Income Taxes in Singapore
Filling out your personal income taxes can be overwhelming. Before you file your taxes, you must understand which group of income tax you fall under
COE V.S. PARF – Which One Best Suits You and Your Needs
PARF and COE Cars are growing in popularity in Singapore, and it’s not hard to see why. These days, the upfront cost of a new
Authorised Workshop v.s. Any Workshop – What’s Your Best Pick
Every car insurance plan in Singapore typically offers two options when you want to get your car repaired – using an authorised workshop or picking
Fixed vs. Floating Home Loans: Which One Should You Choose?
If you have been shopping around for a home, chances are you have come across the different types of home loans you can take. In
Your Complete Guide to opening a Joint Savings Account in Singapore
Opening a joint account is often a huge step for most couples. Most open a joint account once they start living together, get married, or
6 Best Towing and Roadside Assistance Providers in Singapore
Picture this: Your car breaks down on a highway or road with heavy traffic without a sign. This can happen to anyone, and other than
Bridging Loan Interest Rates in Singapore: Your 2022 Guide
There’s an unmatched feeling of confidence and security that comes with having an SME. Most Singaporean business owners know this emotion way too well. No
Best Companies in Singapore that Value Life & Work Balance
When looking for the best company to work in Singapore, work-life balance is at the top of the most important factors of consideration for most
Comparing the 10 Best Car Insurance Plans in Singapore
As a car owner, you are legally required to have your vehicle insured. This may prompt you to go on a search for the best
CPF LIFE vs Retirement Sum Scheme: What’s the Difference?
Planning yourself for retirement is one of the best ways to cushion yourself financially when you reach a ripe age when you can no longer
Daycation (Singapore): 5 Best Hotels With the Best Deals
Daycations are becoming increasingly popular among Singaporeans because they are cheaper than traditional vacations. With many becoming tight for most families because of the pandemic’s
Electric Cars in Singapore: Why and Which Model You Should Own
Gas prices are arguably at an all-time high due to various sociopolitical and economic forces at play. In addition to this, as humans burn more
3 Types of Car Insurance in Singapore: What Suits Me Best?
If you are planning to get a car, the Singapore Government requires you to have an effective auto insurance policy. This is to account for
A Comprehensive Guide To The 5 Best Metaverse ETFs To Invest In This 2023
The Metaverse is projected to become the newest concept in tech aimed at revolutionizing user experience. It is an immersive virtual world where users can
Investing in Metaverse: 11 Metaverse Stock to Buy in 2023
The Metaverse is forecasted to be a multi-billion-dollar industry, hence investors’ huge interest. This is why global giants, including American Express, Meta, and Mastercard, have
Are Yours The Best Car Insurance Policy in Singapore: A-Must-Read
While you may know that car insurance is required in Singapore if you are a car owner, choosing the best car insurance coverage with the
Starting Young: 10 Best Savings Account for Kids in Singapore
Saving money is a beneficial practice that most people overlook. It gives you financial security and ensures you avoid the stress that comes with debts.
Review on Coinbase Singapore: Best for Beginner Investors
A crypto exchange platform that stores, trades, and swaps different types of digital assets, Coinbase features an easy-to-use website and mobile app suitable for beginners.
Fixed Deposits Vs Endowment Plans: Which Fits Your Needs?
Fixed deposits and endowment plans are two popular personal finance planning options, but which one is best? As with many other personal finance decisions, whether
Pre-Wedding Bliss: 24 Best Photoshoot Locations in Singapore
Weddings are always a joy to hear and behold. As excited as they are, couples want everything to be perfect – from every detail since
Saving Up? Here Are the 10 Best Financial Advisors in Singapore
Financial advisors are professionals who will analyze your financial situation and help you choose the most suitable financial instrument to help you reach your financial
Your Guide to the Best Retirement Plans in Singapore
Finding a retirement plan that will provide you with a sustainable retirement income is the key to financial security in later life. The best retirement
Cashback Vs. Cash Rebate Vs. Air Miles Credit Cards: 2023 Guide
Cash back, cash rebate, and air miles are standard perks for getting a credit card. This guide will help you understand the difference between the
Costs of Owning a Pet: From Essentials to Everything Else
The joy of having a furry pet like a dog or a cat is more than just wagging tails, soft cuddles, and friendly kisses. They
Average Salary in Singapore 2022: By Age and Industry
The high cost of living in Singapore will make you wonder if you are earning enough. With expensive flats, food and transportation costs, and even
How to Buy USDT in Singapore: Check Out These 11 Platforms
Stable coins were among the leading digital assets in 2021, with an 8.24 percent market share of the entire crypto market. Stable coins like USDT
USDC vs. USDT: Which Is the Best Stablecoin for You?
Stablecoins are cryptocurrencies tied to an external reserve such as the US dollar to keep its value less volatile and minimize fluctuations. To ensure sufficient
Axie Infinity Review: Can You Really Earn While You Play?
With sudden popularity in June 2021, Axie Infinity became one of the most hit games built on blockchain. Players can earn between $10-50 a day
MetaMask vs Trust Wallet vs Coinbase Wallet: Which To Use?
The entrance of cryptocurrency came with a frenzy in the money world. Everyone was curious to know what crypto was, and years later, cryptocurrency is
Which are the Best Expense Tracker Apps in Singapore in 2023?
Expense tracker apps are a must-have in today’s manic and increasingly digitized world. These days, many of us have multiple bank accounts and unique spending
Top 10 Corporate Credit Card For Business in Singapore
There is no one-size-fits-all when it comes to corporate credit cards, as each business is unique, in one way or another. But as a business
Saving Up? Here are 7 Financial Advisors You Can Trust
Financial advisors in Singapore earn an average of S$4,695 per month and are one of the most sought-after careers in recent years. Often, many seek
Company Registration (Singapore): A Step-By-Step Guide
If you want to set up a Singapore company, we have fantastic news – the process for company registration in Singapore is relatively straightforward and
Financial Planning 101: A Beginner’s Guide
Everyone wants financial freedom and adequate savings for retirement, yet, not everyone has a financial plan. Some may think that financial planning is complex or
A Comprehensive AutoWealth Review: Best for Experienced Investors
Using tried and tested algorithms, robo-advisors like AutoWealth customize client portfolios and invest for them in different markets depending on their investment goals and risk
Phillip SMART Portfolio Review: Best for Busy Investors
Philip SMART is one of the fund management services in Singapore that matches you with the best fit portfolio based on your online risk analysis.
A Complete StashAway Review: Best for Beginner Investors
Until recently, if you wanted automatic investment services, you would seek financial institutions or a financial advisor to create for you an investment plan. These
Top 10 Ways to Reduce Your Income Tax in Singapore
The Singapore government has the power to tax and control taxes. By providing legal ways for personal income taxes to be reduced, they also open
SquirrelSave Review: Best for Investors Who Want to Start Small
Backed by Nasdaq-listed Pintech Technology Holdings and Pacific Century, SquirrelSave offers a low minimum investment amount of S$1. However, SquirrelSave does not disclose its investment
Mapletree Logistics Trust: A Comprehensive Guide
Mapletree Logistics Trust is a real estate investment trust. Listed on 28th July 2005, Mapletree Logistics Trust is the first Asia-focused REIT in Singapore. The
A Comprehensive Crypto.com 2023 Review: How It Works, Is It For You?
The crypto world took off last year. With a market capitalization of more than $1.2 trillion, it is estimated that there are over 300 million
How to Adjust your CPF Housing Repayments: 5 Easy Steps
Owning a home or property is a common goal among many young professionals in Singapore. And true to it, many can achieve this dream through
Crowdfunding In Singapore In 2023: A Comprehensive Guide
Crowdfunding is now more popular in Singapore than ever before. It is now a legitimate way to raise funds for a variety of purposes, including
15 Most In-Demand Small Business Ideas in Singapore
During the global health crisis caused by COVID-19, Singapore claimed the top position as the World’s Best Place to Be During Covid. Many multinational companies
How to Set Up a Home-Based Food Business in Singapore
Many Singapore food businesses went purely online after the pandemic and saw great success. This result inspired many in Singapore who started putting up their
How to Start an E-Commerce Business in Singapore for Beginners
In the coming years, Asia’s e-commerce industry will most likely grow by USD $2trillion within the next five years from writing, a record-setting growth in
How To Start a Food Business in Singapore: A Quick Guide
Both foreigners and locals can’t get enough of Singapore’s selection of restaurants. The country’s multicultural heritage guarantees a wide selection of dishes. Five-star restaurants and
The Best Investment Course In Singapore 2023
Starting your investment journey can be challenging. Fortunately, you can find many financial courses in Singapore from professionals that graduated from Singapore Polytechnic and come
HDB Resale Price Increase: What Does it Mean for Buyers?
Properties in Singapore are expensive, with landed properties ranging from S$1M up to S$5M. Fortunately, Housing and Development Board (HDB) offers an affordable starter for
How to Clear Bad Credit History at Credit Bureau Singapore 2023
Credit has been an essential part of Singapore’s fast-growing economy. And, in today’s modern living, one simply can’t live without it. Yet, you need to
What Business To Start In Singapore? 17 Profitable Business Ideas
According to the Economist Intelligence Unit, Singapore ranks the best country out of 82 countries to do business. It ranks the best due to its
Increasing Credit Card Limit: Everything You Need to Know
Credit cards make life much easier by knowing that you can pay for things even without ready cash. If used responsibly, it helps build a
How to Sell on Shopee Singapore and Tips on Boosting Sales
Alibaba was the answer to China’s and Central Asia’s connection to the US and European markets. However, the service’s precise Western focus has limited Alibaba’s