The Toast 土司坊 (Permas Jaya outlet)

Tasty food, nice drinks, reasonable prices, good ambiance, high ceiling - No wonder there is a queue forming from 9am onwards.

 

 

 

 

Address: Jalan Permas Utara, Bandar Baru Permas Jaya, Johor, Malaysia

Singapore Savings Bonds (SSB) future rates estimation

Chanced upon this website which provide estimation of next month's Singapore Savings Bonds rates to help you decide if you should buy the current SSB issue or wait for better rates.

http://isimplicity.tk/ssb/

Use it at your own risk!

CIMB Platinum Mastercard

https://www.cimbbank.com.sg/en/personal/news-and-promotions/promotions/cards/10-percent-cashback.html

10% Cashback

1. The 10% cashback consists of the base cashback of 0.2%, which will be credited in the same statement month, and additional 9.8% cashback which will be credited in the following statement month after the spend criteria has been met.

2. The CIMB Platinum Mastercard awards 10% cashback on three categories of spending as processed by the respective merchants/acquirers through the Mastercard worldwide networks: o Travel o Health, Beauty and Wellness o Transport and Petrol

3. The additional 9.8% cashback is subject to the following spend criteria: o A minimum spend of S$600 posted within the same statement month

4. The 10% cashback is capped at S$100 per statement month per Principal Cardmember and up to S$50 per category, after which subsequent spends will continue to be awarded the 0.2% base cashback.



Definitions

1. Travel spending shall include all local and overseas transactions made at Airlines, Hotels (excluding transactions made for wedding banquets), Travel Agencies, Cruise Lines and Railways only. This does not include transactions with descriptions containing “Ez Link”, “Transit” and “Transitlink”.

2. Health, Beauty and Wellness spending shall include all local and overseas transactions made at all Hospitals, Nursing and Personal Care Facilities, Doctors, Dentists, Optometrists, Opticians, Chiropractors, Pharmacies, Cosmetic Stores (excluding department stores), Hairdressers, Massage Parlours, Health and Beauty Spas only. 

3. Transport and Petrol spending shall include all local and overseas transactions made in transportations in the form of bus, train, private hires, taxicabs and limousines, ferries as well as transactions made at petrol kiosks. This does not include transactions with descriptions containing “Ez Link”, “Transit” and “Transitlink”.

4. The assignment of Merchant Category for each merchant is subject to classification by the respective acquiring banks and it is the responsibility of the particular acquiring bank to assign the correct Merchant Category. CIMB Bank Berhad, Singapore Branch (“CIMB Bank”) shall not be held responsible for any incorrect assignment of the Merchant Category that may result in non-posting of the cashback for retail transactions at the eligible merchants.  The Cardmember shall not be entitled to claim any compensation against CIMB Bank for such non-posting of the cashback due to incorrect assignment of the Merchant Category by the respective merchant’s acquiring bank

Individual limit on Singapore Savings Bonds doubled to $200k, allow use of SRS funds!

1) The maximum amount of Singapore Savings Bonds (SSB) that an individual can hold will be raised to S$200,000 from the current S$100,000

2) Investors are allowed to buy the instruments using their Supplementary Retirement Scheme (SRS) funds

Both changes will take effect from Feb 1, 2019.

So, please don't leave your SRS funds idle! Use it to buy SSB (which is risk-free investment) if you have no intention to invest it elsewhere.


Note:
There is a SRS contribution cap of S$15,300 per year for Singaporeans and permanent residents (PR), and S$35,700 for foreigners

Mastercard Contactless Priceless Surprise 2018

The period for the Campaign is from 12:00am on 15 November 2018 to 9:00pm on 26 December 2018 (“Campaign Period”). The period for redemptions pursuant to the Campaign is between 02.00pm and 09.00pm from Sundays to Thursdays, and between 02.00pm and 10.00pm on Fridays and Saturdays during the Campaign Period (“Redemption Period”) at Mastercard vending machine located at the Christmas Village 2018 at Ngee Ann City Civic Plaza (“Redemption Location”).

To participate in the Campaign, the Participant must charge a minimum of S$50 on their Mastercard Contactless Card via a contactless transaction in a single receipt (“Receipt”) at any merchant in Singapore. The Receipt and charge slip must be retained and presented to redeem the Prize(s) pursuant to the Campaign.

To participate in the Campaign, Participants must bring their Receipt to the Redemption Location during the Redemption Period.

 

For each Receipt, Participants shall be eligible to win one (1) Prize, and redemption is limited to one (1) Prize per Participant per calendar day.

 

For each day of the Redemption Period, up to the first 200 Participants with a valid Receipt presented for redemption at the Vending Machine location will be eligible to redeem one (1) Prize.

 

5D4N Voyager of the Seas - Night Port Klang & Phuket Cruise

Royal Caribbean: Eat (buffets, different cuisines), play (watch performance, flowrider, swim), sleep (comfortable bed), all within the cruise!

Leaving from Singapore, Singapore, on the Voyager of the Seas

 

Some photos of the rooftop.

 

That's the famous Royal Caribbean's FlowRider - 40-foot-long surf simulator!

Mini Golf area, basketball court and rock climbing walls.

Day 2: Port Klang - Westports

It costs 27RM to go to the nearest mall - AEON Bukit Tinggi Mall via grab. The return trip costs 23RM. I heard from the Grab driver that this fare is much cheaper than taking the usual taxi.

Aeon Bukit Tinggi Mall


Day 3: Phuket

We need to collect the tender tickets to get to Phuket mainland via smaller ferries. The journey will take around 10 minutes.

 

First time witnessing a sunset in a cruise ship!

With the Adventure Ocean youth programs, your children will definitely be enjoying themselves everyday! I guess that's one of the key reasons why parents chose Royal Caribbean.

The program for kids is offered in three segments:

• Aquanauts (3-5 years old)
• Explorers (6-8 years old)
• Voyagers (9-11 years old)

BOC Zaobao Credit Card (revised benefits WEF 1 Jan 2019)

I will just keep this card in my drawer...


http://bit.ly/2U4jDs6

Please note that the Terms and Conditions Governing the BOC Zaobao Credit Card Programme will be amended with effect from 1 January 2019.  A summary of some of the material amendments are:


The revised spend categories for the Zaobao Card cash rebate will be as follows:

- Spend Categories Zaobao Card Cash Rebate/Savings Petrol Transactions made at Caltex, Sinopec, Shell and/or SPC Up to 30.7% savings

- Zaobao & SPH newspaper subscriptions
Up to 10% cash rebate

-MCST Fees (for participating condominiums paid via the hiLife App)
Up to 3% cash rebate
-Dining (MCC 5812 – Eating Places and Restaurants and MCC 5814 – Fast Food Restaurants) 
Up to 5% cash rebate

Department Stores (MCC 5311 – Department stores) 
Up to 5% cash rebate

Online Spend (retail transactions made via the internet) 
Up to 5% cash rebate

• The aggregate cash rebate that may be awarded for Petrol Transactions, Zaobao & SPH newspaper subscriptions and MCST Fees under this Programme is capped at S$30 per month per Card Account.

• The aggregate cash rebate that may be awarded for Spend in Mainland China, on Dining, Department Stores, Online Spend and at Buzz under this Programme is capped at S$30 per month per Card Account.

• Combine spend from the Principal and Supplementary Card Accounts is allowed for the purposes of fulfilling the qualifying spend requirements stated above for the award of the cash rebate under this Programme.

How to activate your CIMB credit card for overseas usage

1. Login on CIMB Clicks Internet Banking
2. Under the Credit Cards -> Activate Magnetic Stripe for Overseas Use

Restoran Gui Yuan 桂苑港式點心茶樓:

It is better to reach there early as it is usually very crowded after 9am.

Verdict: Cheap and good

(Near AEON Tebrau City, & AEON dato onn)
Address 27, Jalan Dedap 8, Johor Jaya, 81100 Johor Bahru, Johor, Malaysia

UOB One Account

This is for my own info:


1. Total card spend $500
2. 3 Giro transactions
3. $75K in OUB one account

= 2.43% p.a.

HSBC Visa Platinum Credit Card - Benefits have been enhanced

The new HSBC Visa Platinum Credit Card now gives you yearly savings of up to S$1,000 with 5% cash rebate* on dining, groceries and fuel. Simply charge a minimum of S$600 to your HSBC Visa Platinum Credit Card every month in a calendar quarter to earn cash rebate on the categories below. Rebate is capped at S$250 per quarter. 5% cash rebate on fuel On top of up to 16% instant discount at Caltex and Shell stations 5% cash rebate on dining 5% cash rebate on groceries

BOC : Family Visa Platinum Card - New TNC w.e.f 10 Dec 2018

Total rebate is reduced from $100 to $80
Min spend increased from $700 to $800

-10% Dinning rebate capped at $25
-Transport, Online, Supermarket and Telco reduced from 5% to 3%, capped at $30
-5% for selected merchants (BEST Denki, POPULAR Bookstore, Unity Pharmacy, Watsons and Welcia-BHG), rebate capped at S$25
-Remove flashpay auto topup rebate

Time to cancel this card...

http://bit.ly/FCDec18

Eatigo – Discount For Restaurants In Singapore!

Eatigo provides time based discounts for dining at restaurants.

Depending on the time you dining at the participating restaurant through Eatigo booking, your discounts can be anything from 10% to 50%.

How?
Go to eatigo or download their app IOS or Andriod
Search for your favourite restaurants
Select your date, time and number of people
Enjoy! Discounts are automatically applied.

Note:
No coupons needed!

Maybank iSAVvy savings account - up to 1.90% p.a.(till 31 Dec 2018)

This Promotion is available from 1 July 2018 to 31 December 2018

Maybank iSAVvy savings account is an online savings account.

More info here

CIMB Visa Signature card (improved benefits w.e.f 23 Nov 2018)

CIMB has recently improved the benefits of CIMB Visa Signature card.

Key benefits:
-10% cashback on dining and wine, groceries and online spending
-No credit card annual fee 

Notes:
- Included both local and overseas transactions
- Online payment for dining will fall under Dining category
- Online payment for grocery will fall under Grocery category
- Cashback does not include transactions with descriptions containing “Ez Link”, “Transit” and “Transitlink”.
- Minimum spending of $600 per statement month
- Cashback capped at $50 per category (hence not to spend more than $500 for each category)
- Total cashback cap is $100 per month
- To qualify for the 10% cashback, the minimum spend can consist of all spending, however, the cashback will only be awarded on spend falling within the designated spend categories




P.S. Someone created a spreadsheet to track valid expenditure that entitle for cashback: https://tinyurl.com/cimbvisasig


My personal notes:
1. SWEE HENG BAKERY -> no rebates

CIMB - 1.9% p.a. promotion till 30 Nov 2018

Get 1.90%* p.a. on CIMB's SGD Fixed Deposit from now to 30 November 2018! Did you know that with our CIMB Why Wait Fixed Deposit-i, you can collect your profit, upfront without waiting for your deposits to mature?

What's more, min. placement is only S$10,000, it's all done online and takes only 10 mins. To apply, visit www.cimbbank.com.sg/whywaitfdi-promo

*T&Cs apply. Insured up to S$50k by SDIC.

DBS Multiplier Account FAQ (for my own info)

The below key information is extracted from the official DBS Multiplier Account FAQ for my own reference.


Fall-below fee $5 for Average daily balance of <S$3,000


Do I have to move my existing banking transactions in other DBS/POSB accounts to the Multiplier Account to enjoy the higher interest rates?

That is not necessary. Once you open your Multiplier Account, your eligible transactions will be tracked across the different products you hold with us. 


When will I receive my interest?

Base interest - Last calendar day of each month
Preferential interest  (if any) - 7th working day of the following month


To get high interest rate :
Up to 2.08% p.a. if your Salary Credit and transactions in 1 category adds up to S$2,000 or more • Up to 3.5% p.a. if your Salary Credit and transactions in 2 or more categories adds up to S$2,000 or more


My salary is credited into a joint account. My joint account holder also credits his salary into the same joint account and we each have our own Multiplier Accounts. What’s the salary credit amount recognised for me then?
It is the total amount of eligible salary credits in that joint account.  Example: John and Mary credit their salaries (S$3000 and S$3100 respectively) into a joint DBS eMCA account. They have their own Multiplier accounts too. They are each accorded a total salary credit amount of S$6,100.


My joint account holder and I credit our dividends from Central Depository (CDP) into a joint account. We both have our own Multiplier accounts. How will the dividends be recognised? The combined total dividend credits in that joint account will be recognised. 
Example: Michael and Sally have CDP dividend credits (S$800 and S$700 respectively) in a joint DBS account. They both have their own Multiplier Accounts. They are each accorded a total dividend credit amount of S$1,500

Changes to OCBC 360 from 1 November 2018 onwards in a nutshell

Salary Crediting: First $70,000 earns an effective interest rate of 1.35% p.a.
Detailed breakdown:
- First $35,000 earns 1.2%
- Next $35,000 earns 1.5% p.a.

Credit Card Spend: First $70,000 earns an effective interest rate of 0.45% p.a.
Detailed breakdown:
- First $35,000 earns 0.3%
- Next $35,000 earns 0.6% p.a.
Subject to minimum spend of $500 per month has been met

*Step-up Bonus: First $70,000 earns an effective interest rate of 0.45% p.a.
Detailed breakdown:
- First $35,000 earns 0.3%
- Next $35,000 earns 0.6% p.a.
*Increase account average daily balance for the current month by at least S$500 compared to the previous month.


Online Payment bonus is removed

Restoran Wen Loy 古来云来包点 - Taman Bukit Indah (Near Aeon Bukit Indah)

Note: They don't sell porridge!


Wen Loy Restoran 古来云来包点, Jalan Indah 8/13, 
Taman Bukit Indah, 81200, Johor Bahru, Johor, Malaysia

How much can be withdraw from cpf at age 55

How much can be withdraw from cpf at age 55?

Upon turning 55 years old, members can withdraw their CPF savings, after setting aside their Full Retirement Sum or Basic Retirement Sum with sufficient CPF property charge/pledge in their Retirement Account.

You can find out how much you can withdraw using the
CPF Withdrawal Calculator



Some general FAQ:
Do I need to withdraw the CPF savings at age 55?
The withdrawal of your CPF savings is optional. If you do not withdraw at 55 years old, you can do so anytime later. In addition, you need not take out the full amount at one go.


What is the benefit if I do not withdraw the CPF savings at age 55
There is an additional extra interest of 1% per year will be given on the first $30,000 of your CPF balances (for members aged 55 and above) to enhance the retirement savings of CPF members. This is on top of the existing 1% extra interest on the first $60,000 of combined CPF balances

Upcoming JB mall in 2018 Quarter 3 - Capital City

Some of its major attractions, not limited to:

1. Indoor Theme Park

Measuring almost 48,774.1 square metres, this theme park will house three different concept studios that would be the centre of attraction – Movie Planet, Cartoon Planet, and Music Planet - features using the latest Augmented Reality (AR) and Virtual Reality (VR) technology.


19 Nov - 31 Dec 2018 - New school holiday deal - day pass as low as RM96 ! What’s more? Garfield Restaurant is finally ready!



2. To be continued...


Useful links:
Hardwarezone forum discussion
Offical Website
Facebook page

Tong Dim Sum (Near Aeon Bukit Indah)

Happened to see this Dim Sum restaurant on the way to Aeon Bukit Indah. Worth a visit if you have not been there before. There are still seats available on a Sunday morning. Food is good, price is reasonable. Go try it for yourselves.

 

 

Here’s their business card

 

Address: 75, Jalan Indah 8/13, Taman Bukit Indah

Genting Highlands 2018

Genting Highlands


Genting Cable Car Ride

Jungle Gym


Awana Skyway: Genting Premium Outlets

Temasek’s 4.35% p.a. Astrea IV Bonds

Azalea Asset Management is the leading entity behind this issue. It is also a wholly-owned unit of Temasek.

The Astrea IV bonds will be listed on the SGX, so you can sell them on the SGX.

The bonds have a soft maturity date of 5 years (2023), and a hard maturity date of 10 years (2028).

To subscribe by the public, the minimum amount is S$2,000.

Offer Period for Public Tranche: 6 Jun 2018, 9am to 12 Jun 2018, 12pm

$10 off First GrabFood Order (No Minimum Spend, Free Delivery)

Receive $10 off your very first GrabFood order with promo code 10OFF.
No minimum spend,  Get $5 off 3 orders after.

Maybank Family & Friends card - 10% Cash Rebate on Groceries! only on 29 May 2018

Key info

• Valid on 29 May 2018
• Purchase must be made with Maybank Family & Friends Card
• Promotion is valid at all Cold Storage and FairPrice supermarkets (which include, FairPrice Finest and FairPrice Xtra outlets) that accept Maybank Family & Friends Card (“Selected Merchants”).
• To enjoy the full 10% cash rebate (“10% Rebate”): (i) the transactions must be charged in Singapore dollar currency to the Maybank Family & Friends Card (“Card”) at the Selected Merchants during the Promotion Period, and (ii) Cardmembers must spend a minimum amount of S$1000 within the calendar month (“10% Minimum Spend”). 

Kidzon Junior F1 Indoor playground @ Aeon Mall Bandar Dato Onn JB Mall

Bank of China partners Qoo10 to launch credit card for online shoppers

Bank of China has launched a co-brand Mastercard credit card with Singapore online retailer Qoo10.

Cardholders can enjoy up to 20% rebate when they spend on Qoo10, dining and transport, including Grab, taxis and public transport.

The rebate will come in the form of Qmoney – Qoo10’s very own currency – which can be used to offset future purchases.

Those who spend a minimum of $300 in a calendar month would get a 3 per cent rebate on Qoo10 purchases, and a 0.3 per cent rebate on all other spending.

Cardholders who spend a minimum of $600 a month will get an additional 7 per cent rebate on Qoo10 spending, for a total of 10 per cent. They will also be entitled to a 20 per cent rebate on MRT train and bus fares, and a 5 per rebate on Grab, taxi, and eligible local dining, entertainment and e-commerce expenditure, as well as overseas spending.

The rebate for all other spending remains at 0.3 per cent.

An additional 5 per cent rebate on Qoo10 spending is applicable for those who spend over $600 for the first six months of the card’s launch.

Rebates are capped at a total of $80 of Qmoney per calendar month per card member, topping out at a combination of $40 for Qoo10 spending and $40 for all non-Qoo10 expenditure.

The rebate cap will be waived during the first three months of the card launch as well as selected spike sales periods in October, November and December.

Malaysia: Zero GST starting June 1, 2018

http://www.msn.com/en-sg/news/national/mof-zero-gst-starting-june-1/ar-AAxlMP2?li=AAaGkVj&ocid=ientp

The Goods and Services Tax (GST) will be zero-rated for all items and services in Malaysia from June 1, until further notice!!

Great Eastern - GREAT270 Short-Term Endowment Plan

What is GREAT 270

• Offered by both OCBC and Great Eastern
• 5-year single premium
• Guaranteed interest of 2.70% every year
• You can either withdraw the 2.70% interest earned every year or reinvest it into the policy
• Minimum investment of S$10,000
• You may lose money if you surrender early
• Personal opinion: This is a good product for those who have money in SRS doing nothing.

Where to buy 

• Great Eastern or OCBC Banks
• Financial Advisor

Fuzzie app offering 8% off Grab rides (and free $5 Grab voucher)

I am showing you how to get the free $5 Grab voucher (with my referral code).

1. Download the Fuzzie App
2. Create an account
3. Tap on "ME" at the bottom right, follow by "Fuzzie Code". Key in "edmund0172" to activate your code and receive a $5 instant credit.
4. Tap on "WALLET" at the bottom, select the "Grab E-Gift Card" and click on "View Code".



P.S. If you have signed up using my code, I will earn $5 when you have spent a total of $25 on Fuzzie.

NTUC Member: Grab your FREE MILO at McDonald’s from 26 Apr – 1 May 2018

Got NTUC Member? Enjoy a free Iced Milo at McDonald’s with any purchase from now till Labour Day.

I will go any Safra's Macdonald, use my safra + NTUC member card to get free sundae and milo!

Meng Meng Roasted Duck @ Taman Mount Austin JB

If you have not try this restaurant in JB yet, YOU SHOULD!

The Duck's meat is so tender!

Address
15, Jalan Austin Heights 3, Taman Mount Austin, 81100, Johor Bahru, Johor