In case you’ve missed it because of all the election drama going on in Singapore, 1 July is SAF day. While most businesses like 8 Korean BBQ and Yumcha do their usual thing and give people who’ve served in the SAF up to 15% discounts, Old Chang Kee is going about it in a different way. Psst, Reader Bao, you’re up. Reader Bao: Oh, okay *clears throat* Have you always eaten camo and wished you’d have done it in a comfortable setting? What- Reader Bao: Do you wish that you could stuff your camo cream down your Encik’s throat every time he asked you to “touch up”? Encik Tan: OI, MY GRANDMA CAN TOUCH UP BETTER THAN YOU LAH! Reader Bao: Have you ever wished that, for once in your life, the camo going into your lips taste nice? ![]() Reader Bao: Because if you do… *drumrolls* Reader Bao: You got to look to Old Chang Kee this SAF Day. ![]() Okay, I will admit, you’re as good as Daryl Aiden but what the hell were you thinking?! Reader Bao: What? NO. ![]() Oh.
Reader Bao: Yes. Oh. This SAF Day 2020, on 1 July 2020 only, you can head to selected Old Chang Kee outlets and hunt for a Camou Puff ($1.60) or two ($3.00). Don’t expect grass jelly inside, though, because while they might look like grass on the outside… ![]() They’re actually camouflaged-curry puffs. ![]() According to Eatbook, these camou-puffs are available at 41 selected outlets although it hasn’t been revealed where the outlets are. Goody Feed has contacted Old Chang Kee Singapore for more information and will update this article when they reply, so do download the Goody Feed app to keep yourself updated! Advertisements
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The labour market has changed considerably over the course of the last generation, with industries such as manufacturing and fishing having been eschewed as part of a sweeping and ongoing technological evolution. Concepts such as flexible and remote working have also changed the labour market beyond almost all recognition, while helping to drive a significant increase in the community of self-employed and freelance workers. This evolution has also helped to open up the financial marketplace, including the lucrative foreign exchange. In fact, many people choose to combine forex trading with their 9-5 job, but is this right for you and what are the key considerations? Choosing One Option or the Other – The Key Considerations There may be many instances where you have to choose either committing to a full-time job or trading forex, particularly if your current employment is bound by the terms of a contract. In this case, your employer may prohibit or restrict certain activities outside of the workplace, particularly if they’re relevant to your job role or may cause a demonstrable conflict of interest. On a similar note, you may have a time-consuming day job that doesn’t necessarily provide you with huge amounts of disposable income, and in such instances you may find the process of forex trading relatively stressful. After all, you don’t want to place too many demands on your time or bank balance when you’re attempting to support a family, especially as engaging in the volatile and margin-based forex market may cause you to lose more capital than you can afford. Conversely, it’s also possible to capitalise on the highly leveraged forex market and earn considerably more than your original deposit, so those of you with significant amounts of disposable income can use this to increase your earning potential and transition to a brand new career. You may also have enjoyed a successful career in finance, and therefore have the necessary skills and experience to enter the forex market on your own merit. This can enable you to make money for yourself rather than a large corporation, while building a successful and ultimately rewarding career. When to do Both (and How to do it) Of course, the latter factors may also encourage you to combine your day job and a career in forex trading, either during an initial transitional period or as a way of optimising your full earning potential. If you are going to pursue this path, it’s imperative that you proceed with caution while building the skills necessary to operate independently in the forex market. One way to achieve this is to develop and hone your trading strategies using a demo account, as this offers you access to a simulated, real-time marketplace where you don’t have to risk your hard-earned capital. This can bridge the gap between theoretical knowledge and practical experience, which often makes the difference between success and failure in the marketplace. It’s also important to identify compatible platforms and mobile trading tools such as the MetaTrader 4, which help you make the most of your limited time and effectively trade from anywhere. This is great if you intend to track key trends and operate as a prolific day trader, as this will require you to execute a high volume of orders during each 24-hour period.
The post Day job, Forex trading or both? You Decide | Salary.sg appeared first on TinySG. via TinySG https://tinysg.com/day-job-forex-trading-or-both-you-decide-salary-sg/?utm_source=rss&utm_medium=rss&utm_campaign=day-job-forex-trading-or-both-you-decide-salary-sg How time flies! It’s been 10 years since I posted this recipe for roti prata! So, for this 10th anniversary, I have shot another video on how to make Roti Prata! Many people have used the recipe and have written back with photos of their success! Most are people living overseas where it is not possible to simple head down to the prata shop to satisfy that craving. During this Covid 19 period, this is a great recipe to master so that you can have crispy and fresh prata for the whole family! Once you have mastered plain prata, you can start to fill it with other ingredients such as cheese, luncheon meat, roast duck, BBQ chicken, etc etc! Have fun! First published on 23 Jun 2010 The reason I am writing this post is because I cannot find a single resource on the internet that gives you everything you need to know in order to create Roti Prata/Canai. In order to make a Roti Prata that is as good, or even better than those you find outside you really need to know all the details, from what kind of flour to use, to how to prepare the dough, to how to flip the dough just like your favourite Prata Man. What’s in this PostThis post is necessarily long because I want to include everything which I have learnt over the course of the last month or so from talking to Prata Men, studying Prata flipping videos and even to the extent of discussing the characteristics of flour with the expert at Prima Flour Mills. I have included a few recipes plus a slideshow on how to make the dough and 2 videos where I demonstrate, step by step, the dynamics of the Prata flip as well as another method to achieve the same Roti Prata which even a 5 year old can do. I hope that by reading this post, you will be making Pratas at home in no time and wowing your friends with your Prata Prowess. The Roti Prata Back StoryBut before we get into the nitty gritty details, let’s talk about Roti Prata. I spoke to a patient of mine a while ago who happened to be from South India about Roti Prata. Many people have previously told me that the dish we Singaporeans call Roti Prata, (aka in Malaysia as Roti Canai) does not exist in India. My patient confirmed that it is not true. Roti Prata does exist in India, but only in a small part of Southern India and predominantly in a place called Chennai. Over there, this dish is simply called Prata. Indian migrants brought this dish to Malaya where it became known as Roti Prata. The Malaysians however, named this dish Roti Canai which means the “Roti” (bread) from Chennai.* If you still doubt that this dish is available in India, consider this: Most of the men who make the Prata in Singapore are foreign workers from Southern India. Do you really think that we brought them over to teach them how to make Prata? It’s like bringing the Chinese over and trying to teach them how to play Ping Pong right? Anyway, Roti Pratas are a favourite breakfast dish amongst Singaporeans but there is a certain level of mystique about it because of the process of flipping the dough such that not many people would even attempt to do at home. Why would you want to make it at home if it is so readily available and is relatively cheap? Well, I can think of three reasons. Why make Roti Prata at home?1. Most of the Pratas you eat at the stalls will contain high levels of Trans Fats since they are made with cheap margarine and they usually contain more oil than is necessary. When you make Prata at home, you can choose to use Olive Oil and limit the amount of oil used. 2. When you can make your own Prata, you can then add ingredients which you will never find outside, like say, Luncheon Meat, Egg and Onion Murtabak (filled prata) which is really very tasty. Then you can organize parties and get your friends to bring toppings and design their own Murtabak! 3. Because nobody believes you can. ![]() Roti Prata RecipeIngredients1. Plain Flour 600g Leaner Prata Dough Recipe (Crispier texture)1. Plain Flour 600g Notes on ingredients:Flour But you don’t have to do that because I finally managed to talk to the flour expert at Prima Flour Mills who told me that Ikan Terbang is simply plain flour with a 10.8% protein content. Furthermore, you can buy the exact same flour at your supermarket as it is sold in 1kg packs labeled “Plain Flour” by Primaflour. So where ever you are in the world, if you can get your hands on plain flour with a protein level of 10.8%, it would work perfectly. NB: Water Condensed Milk Oil/Butter/Ghee Salt Egg Making the DoughThis is by far the most important part of the whole Prata production process. If you have a good dough and bad flipping technique, you can still end up with a good Prata. However, if your dough is bad, there is no way you will ever get a good Prata. In order to make a dough that is pliable and elastic, you need to remember just one crucial point. Be patient with your dough! What dough needs more than anything else is time. Dough is like a bad tempered friend. If you want to get through to him, you have to use a soft approach. The more you fight it, the more it will retaliate. Let it cool down for a while and deal with it gently and it will do whatever you want. ![]() There is a lot of waiting involved. The first wait is after you mix the flour and water. Once both water and flour is mixed evenly, leave it alone for 20 minutes for them to get to know each other intimately. This stage is known technically as the autolysis stage. If you continue to force it to combine together, you are just wasting your time and energy. Give it 20 minutes and when you start to knead, you will get a smooth dough in no time. For this dough, you really do need to develop the gluten a bit. So I usually knead it at speed 2 on my KitchenAid (Medium slow) for 10 minutes with a 5 minute rest time in between. If you want it to be even more elastic, repeat the 5 minute knead and rest cycle one more time. If you are kneading by hand, you will need to double the kneading time. What you want to end up with is a tacky dough which becomes smooth as a baby’s bottom with just a bit of dusting of flour. Right after kneading, divide the dough into equal parts. I usually divide mine into ten 100g dough balls (approx). At one time, I used to oil my hands and ball it like how I see the Prata Men do it but I realized that the oil makes it difficult for the flour to combine at the folds. What you really want is a smooth ball of dough without any folds because these folds will cause fractures in your dough during the flipping process. So now I divide my dough and make them into nice balls before I oil them. Once you oil the balls, you can do what they do outside and put them altogether in a box. But I find it easier to use non-stick muffin trays as I can minimize the amount of oil used and when I remove them, they come out as nice round ice hockey like pucks which is easy to flatten into round discs for flipping. You should try to rest them for at least 8 hours or overnight, because during this time, the enzymes in the flour will start working on the sugars and some of the wild yeast in the air will start fermenting the dough. The resting makes the dough more pliable and easy to flip as well as give it a more complex flavour. Remember to cover the dough balls with clingwrap to keep the surface from drying out. If you are in a hurry, you can flip the dough in as little as 50 mins after balling. (I guess it could be shorter, I just haven’t tried it yet) It still works, but you might find it breaks a little easier. Note: When they make these balls outside, they coat them with margarine which hardens at room temperature. So they are able to stack them into a box, saving space. By using a muffin tray, you can avoid using margarine and apply just a thin layer of vegetable oil which is much healthier for the family. ieat’s Express Prata Dough Recipe using the Food ProcessorSometimes you might just want to dish out your prata on the spot. I found that you can do this in an hour and fifteen minutes if you use a Food Processor. Basically, all the ingredients go into the Food Processor with the dough blade attached. Blend for 20 seconds until all the flour and water are mixed and the dough looks like a shaggy mass. Next, rest the dough for 20 mins then turn on the processor for 30 seconds followed by 2 min rest and another 30 seconds. The rest in between prevents your processor from overheating and allows the dough to rest so that it is easier to process. Divide and rest the dough for 50 mins and you are ready to go! The important part of this process is the rest time after balling the dough. The longer you rest the dough the better. I find that by 50 mins dough is extensible enough to be flipped. However, if you can rest the dough longer, you will find that it becomes even more pliable but the improvement might only be 10 to 20%. If you leave your dough overnight, you allow fermentation to take place and your dough will have time to develop a full bodied flavour. ![]()
This is the fun part but is also the hardest to master if you want to be able to look like a Pro. (To really look like a Pro, you need hairy arms and a dark complexion, this I cannot help you with) I have actually tried to learn the technique from several Prata Men in the past and they have given me a few pointers here and there. But most of the time they just tell me that it would take me 3 months to pick up the skill if I practice everyday. As with most things, if you don’t understand the fundamentals of what you are doing and are just doing it blindly, it would take a long time. However, I have studied the videos on youtube over and over again and I eventually managed to conceptualize what is actually happening during the flipping process. With this basic understanding, I managed to master the skill within two weeks. (I must have flapped hundreds of balls though). In the video, I will show you the concept of the prata flip using a round disc, then you can see how it is done with a towel and eventually a piece of dough. I believe that if you study it well, you will be flipping Pratas in no time. For those who are not so patient and don’t have a need to show off to their friends, I have made a second video where you can achieve the same membrane thin stretched dough using a method even my primary school daughter can do. Don’t be intimidated by the prata flip, just concentrate on making a good dough and I guarantee you that you will get to eat crispy, fluffy and healthier Pratas at home in no time.
Ieat’s Drive for the Perfect Prata RecipeI have been thinking hard about how to achieve a crispier prata without having to add more oil to the dough and have came up with a method that works pretty well. The only drawback is that you really have to time the whole process properly. As far as I know, no one else has published a recipe like this online so I think this should be an ieat original recipe. What we need to do for a crispy crust and a fluffier inside is to introduce little air bubbles into the dough. You can do this by adding yeast or baking soda. I chose to use yeast because it gives you better control of the levening process. If you are after a Prata that will adequately portray your potent personal Prata prowess, I will use either Ghee or French Butter in place of oil and I also add 1/16 tsp of yeast (a pinch only) into the flour when I mix all the ingredients together. Once you ball the dough and oil it, place it immediately into the fridge to rest for 8 hours. By putting the dough in the fridge you slow down the levening process but you are still giving the dough time to rest and combine properly. About an hour and a half before you decide to flip you prata, bring it out of the fridge and rest at room temperature. The yeast will now slowly wake up and produce little bubbles of carbon dioxide in the dough. If it is rested beyond 2 hours, you will end up with bread, so timing is important. Just a slight 10% rise is enough to bring your Prata to the next level! You will find with this dough that your stretch membrane will not be less transparent as the normal dough without yeast and is a little less resilient. But the texture of the final Prata is crisp on the outside and light and fluffy on the inside and is especially good if you are planning to do Murtrabak as the layers inside will all be tender and fluffy. ConclusionOnce you have mastered how to make Prata, it is time to organize a Prata Party where you can invite your friends over to create new Murtabak (filled pratas) flavours! Some of the ones that worked really well for me were beef burger and cheese, parmesan and sugar, Luncheon Meat, Egg and Onions and Cornbeef, Egg and Onions.You can really go crazy thinking of all the wonderful flavours that you can put into your Prata! Daddy flipping Prata: Photo by Megan Tay 7 yrs old AcknowledgementsMany thanks to Mr Lim Kay Kong, the Director of Research and Development at Prima Flour Mills who was instrumental in helping me finalize the Prata recipe. Thanks also to Soundman for helping to produce the Prata Flipping Instructional Video. My Pandan Chiffon Cake and Tau Huay recipes can be found here Please do write in and let me know how you went with your prata. I would especially like to know if you were able to make yours even better! Update: 15 Sep 2010 After playing with the recipe for a few months, I have slowly lowered the water content. In the past, I used a 60% hydration, ie 600g flour to 360g water, I found that a 50% hydration is actually easier to handle. So I have modified the recipe by decreasing the water. * Footnote: After the writing of this blog post, one of our readers wrote in with reference to an article from the wsj that states that the origins of the word Canai is most probably attributed to the Malay word “to stretch” rather than its place of origin. You can click here to read the article. The post How to Make Roti Prata aka Roti Canai: Everything you need to know! appeared first on TinySG. via TinySG https://tinysg.com/how-to-make-roti-prata-aka-roti-canai-everything-you-need-to-know-2/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-make-roti-prata-aka-roti-canai-everything-you-need-to-know-2 We made a short family trip to Bangkok this year and being a family trip, the kids get to choose some of the things they want to eat. So, this is just a short list of the eateries that I picked. We lived in Bangkok for 2 years almost 20 years ago and the one place that I always remembered is this place for fried giao! I’ve always remembered it to be one of the most addictive things on the planet! I haven’t been back since then, so memories of the place is a little vague but thankfully, we managed to track it down! They were located a little closer to the end of saphan leung (yellow bridge) in the past and if my memory serves me well, the amount of meat in the giao was less than what it is now! The giao is still very shiok but somehow I thought they were even more addictive in the past! But then again, everything seems to taste better in the past! Jae Jia Yentofu One of my favourite things to eat in Thailand is kao niao gai thot !(sticky rice with fried chicken) I don’t know why sticky rice isn’t so readily available in Singapore? I find the combination of fried chicken, papaya salad and sticky rice to be one of the best food combinations ever! Although their signboard says fried chicken, I found that the real star is actually the grilled pork jowl which has a perfectly bouncy texture and a wonderful smoky flavour! It was so good, we repeated our order ….. thrice! Polo Fried Chicken This seafood restaurant is quite a favourite amongst Singaporeans and whom we met a couple of while we were there. Our friend, Roy from Jok Jok Mor had recommended their crab tang hoon ! It was good but it wasn’t the best I have tasted. Their tom yum seafood soup though was excellent! Also very popular are their grilled river prawns which are expertly grilled such that they are still juicy and went very well with their nam jim (chilli dip) which was one of the better ones I have come across. The grilled pork jowl and chicken are quite ordinary so just focus on the seafood! Noi Right next to Noi seafood is a restaurant where you can find Thai style braised pork trotters. The mango sticky rice here is very good… and generous! Their pork trotters are good but it was the preserved veggies that stole the show! Next to Noi (see above) While in Bangkok, don’t forget to try some of their international restaurants as you often get to enjoy the same quality food at a fraction of the price! We had a wonderful meal at Isao which is a Japanese restaurant from Chicago which specializes in fusion Japanese cuisine. They specialize in creative rolls which are tasty and easy on the palate. The kids loved it! I don’t mind it but it was something that I’d experience once but probably wouldn’t make a special effort to go back again. The rolls cost around 200+ to 400 + baht. ISAO Here are some of the other recommended restaurants that I shortlisted but didn’t get to go to!(Thanks to Ray from Jok Jok Mor for the recommendations) Lung Cheay Egg Noodles Cafe Chilli Somsak Claypot Crab (Ladya Branch)
The post Good Food in Bangkok: 2019 Trip appeared first on TinySG. via TinySG https://tinysg.com/good-food-in-bangkok-2019-trip-2/?utm_source=rss&utm_medium=rss&utm_campaign=good-food-in-bangkok-2019-trip-2
Vetements has always associated itself with ‘anti-fashion’, creating garments that seem to go the polar opposite of what is considered beautiful and luxurious in the high fashion runways showcased during Paris Fashion Week. When designers churned out fancy gowns and over-the-top embellishments, Demna Gvasalia (yes, the man who now holds the position of Creative Director at Balenciaga) sent down hoodies and tees at PFW, with the most famous of them all being the USD200 mustard yellow tee back at Fall-Winter 2016 that bore DHL’s iconic red logo. It sold out everywhere the moment it launched worldwide, and DHL even ran a full-page article celebrating the partnership between the two. Four years on, and the French fashion label has collaborated with DHL once again, launching exclusive phone cases that are compatible with the #iPhone11Pro and #iPhone11ProMax. Priced at SGD355 each (it is Vetements, after all), you will be able to find both sizes available at END right now. What’s different this time around would be the fact that the DHL logo comes printed together with Vetements’, so everyone knows you’re getting the real deal that’s a homage to the OG design from 2016. While the case is made from high-strength PVC, they come with extra-luxe elements like rose gold buttons (for volume and screen) located at the sides. If you’re on the hunt for something fresh and fun to start the week right, these Vetements #iPhone11Pro cases could just be it. IMAGE: VETEMENTS The post Vetements x DHL iPhone11Pro & iPhone11ProMax Case – BAGAHOLICBOY appeared first on TinySG. via TinySG https://tinysg.com/vetements-x-dhl-iphone11pro-iphone11promax-case-bagaholicboy/?utm_source=rss&utm_medium=rss&utm_campaign=vetements-x-dhl-iphone11pro-iphone11promax-case-bagaholicboy
Sounds familiar? If you are still holding on to your POSB Kids Account and earning that 0.05% p.a. interest rate… Did you know that leaving $10,000 worth of savings in your POSB Kids Account for 10 years could cost you a return trip to Iceland? ![]() Felt that? Well, you’re probably thinking which is the best savings account in Singapore with the highest interest rates NOW, aren’t you? Let’s find out! (Updated 29 June 2020 to reflect all the latest changes to the savings accounts in the market. Most of these changes will take place in July 2020 onwards.) Best Savings Accounts in Singapore With the Highest Interest Rates 2020In order to find the best savings account, we looked at a typical working adult in Singapore and assumed that he or she:
Based on these criteria that we set out, here’s how much interest you’ll be getting:
Bank of China SmartSaver will give you the highest interest of 1.85% p.a. Alternatively, DBS Multiplier (1.60% p.a.) will give you the next highest interest rate. For a more universal comparison that’s applicable to everyone, you can refer to the table below to find out the potential interest rate you can get.
Here’s how to use the table:
If this is too much work. You can use the FREE Seedly Savings Account Calculator to help you make your decision faster! P.S. Unlike other comparison sites, we’ve excluded short-term promos from this comparison as the perks don’t last long. Once it expires, you’ll be stuck with an interest rate that’s not the most ideal. Seedly Savings Account Calculator: Find the Best Savings Account in Less Than a MinuteThe whole process of choosing the best savings account can be rather confusing as we all have different spending habits and incomes. To make it easier for you, we created the Seedly Savings Account Calculator which you can use for FREE! All you have to do is fill up some basic information like your:
And the calculator will tell you which savings account gives you the highest interest rate! If you’re still unsure, you can also read real user reviews left by our Seedly Community to find out if it’s really the best savings account for you! Bank of China SmartSaver Interest Rates
Note: the Extra Savings interest is only applicable to account balances above $60,000.
Things To Note About Bank of China SmartSaverEven with “over 200 ATMs” located around Singapore, it’s usually hard to find a Bank of China ATM when you need it. But I supposed that’s a good thing as you’ll be less likely to make withdrawals. In terms of credit card spending, you might want to consider using the BOC Family Card as it gives you up to 10% cashback on groceries and dining. But the minimum spend of $800 to qualify for the cashback might discourage those who don’t spend that much. How to Maximise Bank of China SmartSaver Interest Earned?If you’re earning a high income (at least $6,000), then BOC Smart Saver is a pretty good choice as you don’t need to jump through too many hoops to qualify for the additional interest. ![]() Here’s how much interest you can get based on the criteria we set out:
But if you’re earning $6,000 and can fulfil all of the categories, your interest can easily go up to 2.6% p.a. (assuming you keep your credit card expenditure at $500). CIMB FastSaver Interest Rates
From 15 July 2020 onwards, there will be some changes to the interest rate for CIMB FastSaver.
How to Maximise CIMB FastSaver Interest Earned?The best thing about CIMB FastSaver is that it is a pretty straightforward savings account WITH NO CONDITIONS. You basically get 0.5% interest on everything up to $50,000 and there’s fall below fee either. Here’s how much interest you can get based on the criteria we set out: 0.5% p.a. See? Simple. DBS Multiplier Interest Rates (Updated with May 2020 Rates)FYI: If you’re currently using DBS Multiplier, you probably would have heard of the changes to the interest rates that will take effect from 1 May 2020.
The bonus interest rate you earn is influenced by:
In addition to how many and how much transactions you make in the following categories:
The more categories you transact in, and the higher the amount you transact in, the more interest you’ll earn. Note: even though there is no minimum transaction required for each category, you still need to have a total transaction of at least $2,000 under the Income category to qualify for ANY bonus interest tier.
Things To Note About DBS MultiplierYou’ll notice that the bonus interest you earn on the Insurance and Investments categories is only recognised for the first 12 consecutive months. After that, you can only go as far as Income plus transactions in 2 categories: Credit Card Spend and Home Loan Instalments. Unless you choose to buy EVEN more insurance and make MORE investments… . . . How to Maximise DBS Multiplier Interest Earned?Like most savings accounts, the DBS Multiplier savings account base interest rate is a paltry 0.05% per annum. ![]() To earn the extra interest, you’ll need to minimally credit your salary or dividends from CDP via GIRO to qualify for the Income category. Then to get more interest, you’ll need to:
Based on the criteria we set out earlier, here’s an example of how much interest you can earn:
If you take up a home mortgage loan or invest with DBS as well. Then you’ll probably be able to push that interest up to 1.8% to 2.2% p.a. And if you can transact more than $15,000 a month, then that pushes it up to 2.0% to 2.3% p.a… But if you’re moving that kind of money a month, you’re probably don’t really care about finding the best savings account. Maybank Save Up Interest Rate
*Additional interest capped at first $50,000 of your account balance
How to Maximise Maybank Save Up Interest Earned?![]() The Maybank Save Up programme lets you choose from nine different products and services in order to get the bonus interest:
Note: looking at the number of loans available, it seems like Maybank Save Up would be ideal if you’re already planning to take a loan. To best optimise your interest rate, you’ll basically want to fulfil at least three products and services in order to clock the maximum interest of 3.00% p.a. If we stick with the criteria we set out — meaning you only fulfil two product or service — you only get 1.03% p.a.
OCBC 360 Interest Rates (Updated with July 2020 Rates)FYI: OCBC 360 has revised their interest rates recently. The interest rate shown in the table below will be the interest rate starting 1 July 2020.
OCBC 360 Additional Interest Rates
Things To Note About OCBC 360If you plan to use OCBC 365 Credit Card for your “Spend” category, there’s a minimum spend of $500 to be eligible for any cashback. How to Maximise OCBC 360 Interest Earned?If you don’t like reading terms and conditions, here’s our suggestion on how you can maximise your OCBC 360 Saving Account’s interest rate. The criterion to hit the OCBC 360 Grow Bonus interest rate is probably out of reach for most of us. Like seriously, who has $200k lying around in the bank?! Instead, you’ll want to fulfil as many other categories as you can:
Even if you’re unsure about buying insurance or investment products from OCBC, here’s an example of how much interest you can earn:
Standard Chartered Bonus$aver Interest Rates (Updated with July 2020 Rates)FYI: Before we get into it, you should know that the BonusSaver bonus interest rates were revised recently. Here are the revised rates:
Note: the Base Interest for Standard Chartered BonusSaver has also been revised to 0.05% p.a.
Note: you’ll have to maintain a minimum daily balance How to Maximise SCB Bonus$aver Interest Earned?The Standard Chartered BonusSaver account is great because it gives you extra interest if you spend more via a Standard Chartered credit card. Source: sc.com But based on the criteria we set out where you’re only spending $500, you’ll only earn a paltry 0.30% p.a. Yep. Apart from not spending enough — $2,000 to get the maximum 1.50% p.a. The problem here is that your monthly salary credit should be at least $3,000 in order to truly benefit from the SCB BonusSaver account bonus interest rates. Or you could clock the Invest or Insure category to really see a boost in your bonus interest rate. So if you aren’t drawing that kind of pay or looking to spend that kind of money. You’re probably better off looking at other savings accounts that can give you better interest rates for less. Standard Chartered JumpStart Interest RatesYou get 1% p.a. interest on account balances up to $20,000 year-round. And any incremental balances above $20,000 will receive 0.1% p.a. The only catch? You need to be between 18 and 26 years old.
How to Maximise SCB JumpStart Interest Earned?The Stan Chart JumpStart account is pretty straightforward. ![]() Based on the criteria we set out, you’ll earn 1% p.a. interest. But it would be a good idea to move anything above the $20,000 into another savings account which gives you more than 0.1% p.a. interest. UOB One Interest Rates (Updated with May 2020 Rates)FYI: The interest rates for UOB One were revised recently
These changes will take effect on 1 May 2020 and the revision will be applicable to all new and existing UOB One accounts. Note: the base interest for UOB One is 0.05% p.a.
Things To Note About UOB One
How to Maximise UOB One Interest Earned?If you want a savings account with a decent interest rate. And don’t want to crack your head over complicated T&Cs… Then the UOB One is your best bet because you only need to make sure that you spend $500 a month on your UOB credit cards:
The option to pay three bills by GIRO instead of crediting your salary means that this is also ideal for those without a steady paycheck (think: freelancers and stay at home moms) Based on the criteria we set out, you’ll earn 1.25% p.a. once the 1 May 2020 changes kick in. Other Considerations When Choosing the Best Savings AccountIf you’ve just graduated or just started working, you probably still have your DBS or POSB savings account from back when you’re a kid. Don’t leave it in a kids savings account and earn the meagre 0.05% p.a. interest, when you can upgrade to a high-interest savings account instead. If you’re lazy to switch banks, you can at least switch to the DBS Multiplier. The application can be done online and it’ll only take you a couple of minutes. However, sticking with DBS also brings about certain disadvantages such as:
Some of our Seedly Community members have also decided to switch other banks. In a low-interest-rate environment, most of the banks are probably affected which resulted in the changes to their consumer products. This is also one of the main reason we are seeing various updates that will start from July 2020 onwards. . . . Oh, before you switch your bank accounts. Make sure to check with your company’s HR manager if your monthly salary GIRO credit is under the transaction code: SAL. Considering that most savings account require you to credit your salary in order to get the bonus interest, this is extremely important! You should also note that ATMs for foreign banks like Bank of China and Standard Chartered are usually limited. This means that cash withdrawals are a little more tricky — although it might help you save more since you can’t withdraw your money that easily. Lastly, go through our Seedly Reviews for the various savings account and pay attention to the feedback our community have given with regard to customer service as well as how easy it is to use their iBanking and mobile banking apps. The post Highest Interest Rates For Working Adults appeared first on TinySG. via TinySG https://tinysg.com/highest-interest-rates-for-working-adults/?utm_source=rss&utm_medium=rss&utm_campaign=highest-interest-rates-for-working-adults
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The Progress Singapore Party (PSP) unveiled today (June 29) its manifesto, with “You Deserve Better” as its campaign slogan for the upcoming election. Registered in March last year, the party is contesting its first general election. It is fielding the largest opposition contingent to contest 24 seats in nine constituencies. In its foreword, PSP secretary-general Tan Cheng Bock said that the party looked at the key issues concerning Singaporeans, which is mainly the high cost of living. He noted that Singapore has been one of the top five most expensive cities in the world for the past five years, but our wages have stagnated and the economy is lacklustre. On top of that, the emergence of COVID-19 has also posed a huge health and economic threat.
PSP believes that its manifesto offers a better alternative to the current problems that Singapore is facing as a nation. The 13-page manifesto outlines the party’s vision for Singapore in three broad areas: economy, social and politics. Here is a quick overview of PSP’s manifesto: 1. Job Priority For Singaporeans
2. More Support For Local SMEs
3. Build A Stronger Social Safety Net
4. More Affordable Homes
5. System Of Checks And Balances To Prevent Abuse Of Power
6. Freedom Of Speech And Expression
You can read the PSP manifesto in full here. Check out our General Election 2020 microsite for more election-related content. Featured Image Credit: Reuters The post Here’s A Breakdown Of Progress Singapore Party’s Manifesto appeared first on TinySG. via TinySG https://tinysg.com/heres-a-breakdown-of-progress-singapore-partys-manifesto/?utm_source=rss&utm_medium=rss&utm_campaign=heres-a-breakdown-of-progress-singapore-partys-manifesto
SEEDS Capital, the investment arm of Enterprise Singapore, along with other six co-investment partners, has unveiled its plans to invest US$36 million into maritime tech startups, Sea Trade Maritime has reported. The partners are Schultz Group’s capital arm Innoport, Kuok Singapore’s venture capital unit KSL Maritime Ventures, PSA unboXed, Rainmaking, ShipsFocus-Quest Ventures, and TecPier. The initiative seeks to invest in early-stage ventures to develop sustainable solutions that improve operational efficiency and safety across the different segments of the maritime sector. Ted Tan, Chairman of SEEDS Capital and Deputy CEO of Enterprise Singapore, said: “The COVID-19 pandemic has underscored the need to accelerate the transformation of our industries. As a global hub for trade and connectivity, we have continually leveraged technology and innovation to develop and facilitate efficient, resilient, and secure trade flows.” Startups will also receive hands-on assistance in fast-tracking commercialisation, with mentorship and connection to potential clients through their networks. Also Read: These are the top three startups chosen by PIER71, offering latest maritime tech solution The initiative is also supported by ESG and the Maritime and Port Authority of Singapore (MPA), with the aim to drive the growth of the maritime sector through technology and innovation. In total, there are more than 50 promising Singaporean startups that can benefit from the joint investments. According to Tan Beng Tee, MPA’s Assistant Chief Executive (Development), maritime technology startups play an even more important role in accelerating digitalisation and innovation efforts to prepare the maritime industry for a new normal post-COVID-19. The maritime tech sector in Singapore has seen a rise since last year, when PIER71 (Port Innovation Ecosystem Reimagined @ BLOCK71), a collaboration between the Maritime and Port Authority of Singapore (MPA) and NUS Enterprise, launched a PIER71 Accelerate – a five-week market and business model validation programme joined by 24 startups in November. PIER71 has a mission to build a maritime entrepreneurial and innovation ecosystem in Singapore. A year ago, Techstars had started dedicated global maritime accelerator called the Eastern Pacific Accelerator powered by Techstars, with Singapore’s largest shipping company Eastern Pacific Shipping (EPS). The programme saw the first class of nine startups, selected from hundreds of worldwide applicants, selected with consideration and input from EPS’s Operations, Marine Technical, Commercial, IT, Fleet Personnel, and Management teams. -- The post Maritime tech startups to get US$36M investment from SEEDS Capital appeared first on e27. The post Maritime tech startups to get US$36M investment from SEEDS Capital appeared first on TinySG. via TinySG https://tinysg.com/maritime-tech-startups-to-get-us36m-investment-from-seeds-capital/?utm_source=rss&utm_medium=rss&utm_campaign=maritime-tech-startups-to-get-us36m-investment-from-seeds-capital There are many sound bars that promise the best sound for your movies, but there are few that can deliver great music as well. You can count the Sonos Arc as one of the rare few. After listening to the sound bar for more than a week, I am happy to have it as my primary music source in the evenings, if one day my hi-fi gear decides to die on me. The Arc plays back music with good balance and control, which are often missing in one-piece speakers made more for the explosions in movies than the intricacies of each instrument in a music track. Playing Jenny Chi and André Siqueira’s Live in Rio album on Tidal, for example, you get the plucking of the guitar strings and the vocals realistically imaged on a virtual stage in front. There is also the bass, of course, that a large sound bar offers. With tracks that call for it, like Mombasa from the Inception movie soundtrack, you get the punchy low notes that remind you of the accompanying chase scene in the movie as well. Transitions from loud to soft, and back, are well handled too. ![]() I also like the sense of scale that the Arc brings. On another Hans Zimmer soundtrack, the one for Interstellar, you hear the pipe organ patiently building up to a crescendo in some tracks, reminding you of the vastness and strangeness of space. There is also a fair bit of smart tuning in how the musical image is presented. There isn’t any of the exaggerated brightness, nor is there too much “warmth” in the presentation. I was actually enjoying the music on the Arc so much that I fired up a hi-fi system, made up of separate components, like a Bluesound Node 2 streamer, Lamm pre-amp, Belcanto amplifier and Bowers & Wilkins 805S bookshelf speakers, to compare things. Okay, hands-down, the hi-fi gear won in terms of better clarity, detail, soundstage and “3D” image. But I can understand why a sound bar like the Arc will impress not just movie fans but folks who take their music seriously. I started talking about the musical part of the Arc sound bar because Sonos is marketing this as more than just a movie speaker but also a music speaker as well. In that sense, it has done well. ![]() Certainly, the eleven Class D amplifiers in the Arc that are tuned to the cylindrical chassis help here. They power the eight woofers that produce the midrange, vocals and bass as well as three silk-domed tweeters that deliver the high frequencies. To deliver the special effects in movies, the Arc certainly doesn’t lose out to its rivals. The bass is certainly there in movies with loud explosions. For example, watching Extradition on Netflix, you get a sense of the scale with the low, rumbling audio from the Arc. I’m also happy with the dialogue in movies, which is usually loud and clear without requiring me to fiddle with any settings on the Sonos app, which controls the device and is needed for setup. What I think can be delivered a bit better is the surround sound. I played back an old favourite – a shooting scene in The Book of Eli, which shows off great surround effects – and I wished the sound “travelled” more and transported me into the scene more. As it stands, a 5.1 home theatre setup with a discrete set of surround speakers plus a subwoofer would do that better. Of course, that involves a lot of wires and speakers around the room as well, which is what the Arc promises to do away with. ![]() Notably, it is Sonos’ first entry in the Dolby Atmos game. If you have a relatively new TV (from last year, for example) that can stream the Atmos-encoded audio over, then the Arc can reproduce that surround sound audio that mimics audio from height as well as distance. If you don’t, then the Arc will play back what your TV can feed it via the Arc’s HDMI port. Unfortunately, this is the only HDMI port so you might have to hook up your devices, like an Xbox, to your TV directly. There is also an optical audio port on the Arc, but it does not support higher-quality audio streams such as Dolby Atmos or TrueHD, unlike on the HDMI port. Just take note of that for your connections. Speaking of connections, it’s rather strange that Sonos has relied on 2.5GHz Wi-Fi and left out 5GHz Wi-Fi from the sound bar. It’s 2020, not 2010, and it’s time that new devices connected on the faster, less congested frequency band. ![]() That said, I’m generally happy with the build of the Arc. Out of the box, the large sound bar feels hefty. It is more than 1 metre long and weighs no less than 6.25kg. That’s a good thing if you don’t want a wonky speaker. Its sleek design is also a big plus to anyone planning to renovate their living room. The Arc certainly looks the part next to any sleek 4K TV, whether you mount the sound bar or leave it on a console table. I would readily recommend the Arc if it doesn’t carry as hefty a price tag as it does. It costs a cool S$1,499 in Singapore, and don’t forget it doesn’t come with a separate subwoofer, which costs an additional S$1,149. Of course, that depends on how much value you see in the Arc. It produces music that will impress music lovers and it also fits your home decor neatly. So, if you want a decent speaker for both your movies and music, the Arc is worth a listen. If you’re on a tighter budget, consider the smaller but still capable Sonos Beam (now at S$649).
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