Insurance Today

Just a few months ago, I declared that for anyone who          Spends less than $500 on your credit card in a month  and / or         Earns less than $2,000 a month, the DBS Be Your Own Boss (BYOB would be the best account in the market with the  highest interest rates . Since then, 2 new contenders have popped up in the market for those chasing high interest yields - the UOB Stash and DBS Multiplier. I reckon you can pretty much forget about the  UOB Stash - read my review and suggestions for what you'll be better off with here.  And while the DBS Multiplier came out inferior in my last review against OCBC 360 about three years ago (no links because that was before this blog was born), its latest changes warrant a second look. If you missed the BYOB sign-up even though I said you should totally go for it (hey, you had 3 months, up till 31 October) , please smack yourself on the head now because you've just said goodb...

Disclaimer: I loved UOB One, but nothing riles me up faster than a badly marketed financial product (okay fine, a badly marketed financial product through lifestyle influencers who mislead their followers for the monetary benefit of a sponsored post come a close second). And because a lot of people have been asking me about UOB Stash, I thought I'll do a review here so folks know what you're REALLY signing up for. Err, that's a lot less than what you'll earn on the  UOB One account, which is a much more superior account to park your money in if you're using UOB , in my humble opinion. Read on to find out why. I'm a huge fan of high-yield saving accounts that give you more bang for your buck. In fact, I've openly talked about the various options available on this blog before, including UOB One . But hey, UOB Stash isn't one of them. I had hoped UOB (as well as social media influencers working on future UOB campaigns), would have learnt their lesson from t...

For the risk-adverse, higher interest rates on your money often come tagged with multiple requirements or a reallllly long maturity period. However, there's a disruptive new offering that doesn't require you to tie up your money for 10 to 15 years anymore , yet you can get a competitive rate of 2.02% per annum, with your capital guaranteed and free insurance protection  during the period. Sounds too good to be true? Well, you'd better believe it! I run a Facebook group supporting women on their personal finance journey (and questions), and not too long ago we had a brief discussion regarding FWD's newest endowment offering which promised 2.02% p.a. returns  when one of my readers raised this to our attention: The discussion was short because we concluded very quickly that this was a good deal. But the applications closed in August, so many of us didn't make it in time to apply. Well, the demand was apparently so overwhelming that FWD is now back with a second tran...

The Beautiful Teeth Whitening Kit, which was popularised by various social media influencers and sold like hotcakes earlier in the year, has now been confirmed to be potentially harmful by the Health Sciences Authority (HSA), who has now banned sales of it to the direct public. Social media was littered with popular influencers promoting the kit to their followers, with plenty of before-after photos that looked rather promising. Curious to know how they managed to amass so many photos? Well, they made buyers take photo to serve as a "1 month guarantee" for any faulty parts, that's how. On 20 July , I decided I had enough of the irresponsible marketing and promotional antics surrounding the much-hyped kit, and decided to verify whether it really was as good as many influencers were claiming. I warned about how the kit was not approved by HSA (contrary to what the distributors were claiming), was potentially damaging to your teeth and health if accidentally swallowed. The s...