Going across the causeway has always been a pastime for many Singaporeans. After all, who doesn’t want cheap groceries, massages and shopping? Source: Giphy But where can we get such a good exchange rate to change your SGD to MYR? Read on to find out! TL;DR: Best Money Changers For Malaysian Ringgit Best Money Changers For Malaysian Ringgit Money Changer Rate (1 SGD=X MYR) Location Opening Hours iChange (Digital) 3.5089 In-app Nil Rahim Money Changer (Wisma Atria) 3.4905 435, Orchard Road, #01-18A, Wisma Atria, Singapore 238877 Daily (10am to 9pm) Shafeek Exchange 3.4904 930 Yishun ..read more

Passionate about serving Singapore, all while commanding an iron rice bowl (stable) career? The civil service might just be for you! Source: Facebook | Careers@Gov So, let’s find out how well civil servants are paid, the benefits of being a civil servant, and everything else you need to know! TL;DR: Ultimate Civil Servants Salary, Bonus and Benefits Guide (2024) Year Mid-year Bonus (months) End-year Bonus (months) Total Bonus (Inclusive of 13th month) + 1 Time Payments 2023 0.3 + ($200 or $400) 0.6 + ($400 or $800) 1.9 months 2022 0.35 + ($200 or $400) 1.1 + ($700) 2.45 months 2021 ..read more

Nobody asked, but I picked up cycling recently… It all began when I won a foldable bicycle at our company’s Christmas year-end party last year (yay!). Since then, I’ve been hitting the pavement, finding it more accessible than going to the gym, and enjoying the freedom cycling provides. Recently, I had the pleasure of speaking with Jeshua Soh, an avid cyclist passionate about giving back. Jeshua shared with me his ambitious plan to raise $100,000 for a good cause by cycling from Singapore to Bangkok, all on a $150 secondhand bicycle from Carousell. I kid you not. The journey is about 2,00 ..read more

Are you someone who prefers simplicity and would rather just have one credit card to concentrate all your spending on? Or perhaps you’re just someone who can’t be bothered with all the Merchant Category Codes (MCCs) and all sorts of other Terms and Conditions (T&Cs)? Source: Giphy Well, you’ve come to the right place! As someone who has a ton of credit cards now, I feel the pain of dealing with all T&Cs, MCCs, and having just one too many CCs (credit cards). So, if I could only have one credit card, here are my recommendations based on the widest coverage of categories, ease of use, an ..read more

Did someone say free air miles? ? Source: Icegif That’s right. In addition to sign-up gifts, did you know you can get free air miles when you apply for a credit card? Leveraging on credit card sign-up bonuses is one of the key strategies to get you flying for free! Let’s check them out below ?? TL;DR: Best Miles Card Promotions in Singapore Card Sign-up Bonus Miles Total Spends Income Requirement AMEX KrisFlyer Ascend Credit Card Apply Now Up to 34,000 KrisFlyer miles Spend S$1,000 in the first month For Cards with no preset spending limits, the latest income documents with a minimum i ..read more

You’re in luck if you’re looking for a Housing and Development Board (HDB) Build to Order (BTO) flat after missing the February 2024 BTO launch. This is because the June 2024 HDB BTO launch lineup will see about 6,830 BTO flats launched across six estates: Jurong East, Woodlands, Tampines, Yishun, Kallang/Whampoa and Queenstown. Don’t know which to pick? Let’s have a closer look! TL;DR: June BTO 2024 in Jurong East, Kallang/Whampoa, Queenstown, Tampines & More BTO Sales Launch: Jun 2024 Mature Estates Estate Kallang/Whampoa Queenstown Flat Types Available & No. of Units 2-room F ..read more

Have you ever forgotten to use a certain credit card for purchases? Because I have. You might think that working in Seedly means I will remember what credit card to use for all my purchases, but I’m still a human and have blunders. Not to forget, imagine having to leave the queue because you had to reopen the terms of conditions and check the Merchant Category Code (MCC) just to make sure you’re clocking your miles, cashback, or rewards points right. I dare say that most people don’t even know where the latest deals are. They, too, sometimes forget which card to use and, therefore, cannot maxi ..read more

Nobody asked, but I picked up cycling recently… It all began when I won a foldable bicycle at our company’s Christmas year-end party last year (yay!). Since then, I’ve been hitting the pavement, finding it more accessible than going to the gym, and enjoying the freedom cycling provides. Recently, I had the pleasure of speaking with Jeshua Soh, an avid cyclist passionate about giving back. Jeshua shared with me his ambitious plan to raise $100,000 for a good cause by cycling from Singapore to Bangkok, all on a $150 secondhand bicycle from Carousell. I kid you not. The journey is about 2,00 ..read more

When it comes to investing, I think most of us are in it to maximise our profits, regardless of the amount invested or the time frame we have for investing. These profits come in the form of portfolio returns after fees, so it would make sense to keep your fees as low as possible so you can keep significantly more of your portfolio’s return. Source: Giphy Sure, there’s a case for having your portfolio managed professionally with the right financial advisor or Robo-advisor worth the fees. But for most of us who are embarking on the do-it-yourself (DIY) path to investing, finding the broker ..read more

Wondering if you should invest in the current month’s Singapore Savings Bond (SSB) or wait for next month for potentially higher interest rates? Source: SpongeBob SquarePants | giphy Thanks to SSB technical specifications by the Money Authority of Singapore (MAS) and some really complicated mathematics done by user “@hwckhs” from I Love SSB, we can actually predict with high accuracy what next month’s SSB interest rate will be! TL;DR:  Singapore Savings Bond 2024 June Interest Rate Projection Guide Interest Rate Year 1 p.a. Interest Rate Year 2 p.a. 10-Year Average Return p.a. SB Ju ..read more