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