Cash VS Credit Cards: Is Cash Really King?

cash-vs-credit-cards-is-cash-really-king

Which is better: pay by cash, or pay by credit card? I mean, everyone knows the answer to this. If they made Who Wants to Be a Millionaire for the thinking impaired, this wouldn’t even qualify as the first question. So how come in 2009, credit cards accounted for half the bankruptcy cases in Singapore?

Call of Bankruptcy IV: Wallets at War

Telling a shopaholic “here’s a card, don’t overspend” is like hosting an AA meeting in a brewery. Once the credit card is in your pocket, everything changes. So let’s take a look at cash vs. credit again; but this time, we’ll include the psychological dimensions, and what you can do about them.

Types of Car Insurance in Singapore

types-of-car-insurance-in-singapore

Car insurance: it’s mandatory. I don’t know why they print brochures with people holding up car keys, spouting phrases like “love your ride” or “smooth drive”. As if they need to convince me or something. That brochure could feature a grinning banker lighting his cigar with a $50 bill and it would make zerodifference. I’d still have to buy it. So let’s explore the available options: what’s the difference between these insurance plans?

9 Tips to Get the Best Home Loan in Singapore

9-tips-to-get-the-best-home-loan-in-singapore

For most of us, a home loan is the biggest loan we will ever take. The moment we sign, we incur a debt that sticks around for the next 15 to 30 years. And it’ll remain a major concern, right up till we’re thrilled with comfortable dentures and starting sentences with “In my time”. On top of that, convincing the bank to buy you a house isn’t all that easy either. To wit, MoneySmart presents 9 Tips on Getting the Best Home Loan:

Progressive Payment Scheme for Singapore Property

progressive-payment-scheme-for-singapore-property

It’s been four years since the progressive payment scheme became the norm. By now, property buyers have been frowning so long their faces could fit in a raisin commercial. But what’s the deal with progressive payment? Why does even saying it make buyers and sellers wince? We examine the subject below:

Singapore Home Loan Terms & Jargon: A Glossary

singapore-home-loan-terms-jargon-a-glossary

Home loan terms are precise. So precise that, in the event of a dispute, your chances of wriggling free are about the same as a sick snail in a Greek wrestler’s armpit. It pays to understand the exact definition of these terms, because in a court of law, ignorance is not an excuse. Signing is binding, so check these terms first!

Fixed VS Floating Rate Home Loan: Which is Better?

fixed-vs-floating-rate-home-loan-which-is-better

Because home loans aren’t confusing enough, banks offer two different kinds of interest rates. We’re talking about fixed and floating home loans, and how to pick the one that best suits you. So if you’re looking to buy a house in Singapore or intend to anytime in the future, then have a read of this handy MoneySmart guide.