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Your Miles Card Stops Paying After S$1,000 a Month

Your Miles Card Stops Paying After S$1,000 a Month

Somebody puts S$4,000 a month on a card advertising 4 miles per dollar, and assumes they are earning 4 miles per dollar. They are earning 1.3. Nothing went wrong and nobody was misled — the bonus rate simply stops after the first S$1,000 each month, and everything above it earns about a tenth as much. This is what that costs, why the obvious fix usually does not work, and how to tell in five minutes whether the whole exercise is beating a cashback card you could carry without thinking about it.

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What Are KrisFlyer Miles Worth? One Cent, or Five

What Are KrisFlyer Miles Worth? One Cent, or Five

You have a balance and the airline shows you no price. The honest answer is that a KrisFlyer mile is worth somewhere between about one cent and five cents, which on 100,000 miles is the difference between S$1,000 and S$5,000 — and which end you land on is almost entirely your decision, not the airline's. Here is what sets it: the floor that turns out to be a ceiling, the reason business class changes everything, the one question that stops you flattering yourself, and our own ledger of nine confirmed bookings.

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Thomson Reserve Previews in October. What Can You Work Out Before the Price List?

Thomson Reserve Previews in October. What Can You Work Out Before the Price List?

Thomson Reserve — the former Thomson View, on Bright Hill Drive in District 20 — previews in October, and the price list does not exist yet. Almost everything else already does: what you would need to earn, what the land cost and what that implies, how far above nearby resale each size of unit would sit, what the same money buys two streets away, and how far District 20 must rise for you to get out whole. All from free public data, worked out in advance, so you can walk into the gallery with the arithmetic already done.

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Does Progressive Payment Really Cost Less? We Added Up Every Month.

Does Progressive Payment Really Cost Less? We Added Up Every Month.

“You only pay as it is built, so it is much easier on your cash flow.” It is the most repeated line in the new-launch pitch, and it is half true. Staging the payments does save real money — about S$44,000 of interest on a S$1.5 million home. It also puts you in a rented home for three and a half years, which costs about four times that. We ran both purchases month by month for seven years. Here is where the belief holds, where it breaks, and the one situation where it is simply correct.

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Tools to Calculate Your Enough Point

Tools and calculators we built to help you arrive at your own enough point. Everybody's different.

Condo Side By Side Compare

Quickly compare 3 condominiums and we will let you know the pros and cons of each.

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Singapore Cashback Calendar

Shows you when to capture your next payment milestones to maximize cashback.

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Latest Articles

Rates Are Rising Again. Is the Market About to Crash?

Rates Are Rising Again. Is the Market About to Crash?

The 30-year US Treasury yield is back at levels last seen before the global financial crisis, and the headlines say the bond market is coming for shares. So we took every month since 1954 and asked what actually happened after the 10-year yield rose. The answer is calmer than the coverage — with one condition attached, and it is not the one the headlines are watching.

Anthropic Claude IPO: What RE Thinks

Anthropic Claude IPO: What RE Thinks

Anthropic has confidentially filed for an IPO, and no price exists yet. Here's how RE is thinking about the valuation math, how it compares to the SpaceX listing, the "next Google" argument, the China competition risk — and, in first person, what RE personally plans to do about it.

The Dip You Are Waiting For Turns Up About a Third of the Time

The Dip You Are Waiting For Turns Up About a Third of the Time

It is the most reasonable-sounding plan in investing: hold the cash, wait for a pullback, buy the discount. We tested it across a hundred and fifty years of market history. The problem is not that it fails when the dip comes — it is how often the dip never comes at all, and what that costs while you wait.

Your Miles Card Stops Paying After S$1,000 a Month

Your Miles Card Stops Paying After S$1,000 a Month

Somebody puts S$4,000 a month on a card advertising 4 miles per dollar, and assumes they are earning 4 miles per dollar. They are earning 1.3. Nothing went wrong and nobody was misled — the bonus rate simply stops after the first S$1,000 each month, and everything above it earns about a tenth as much. This is what that costs, why the obvious fix usually does not work, and how to tell in five minutes whether the whole exercise is beating a cashback card you could carry without thinking about it.

What Are KrisFlyer Miles Worth? One Cent, or Five

What Are KrisFlyer Miles Worth? One Cent, or Five

You have a balance and the airline shows you no price. The honest answer is that a KrisFlyer mile is worth somewhere between about one cent and five cents, which on 100,000 miles is the difference between S$1,000 and S$5,000 — and which end you land on is almost entirely your decision, not the airline's. Here is what sets it: the floor that turns out to be a ceiling, the reason business class changes everything, the one question that stops you flattering yourself, and our own ledger of nine confirmed bookings.

Thomson Reserve Previews in October. What Can You Work Out Before the Price List?

Thomson Reserve Previews in October. What Can You Work Out Before the Price List?

Thomson Reserve — the former Thomson View, on Bright Hill Drive in District 20 — previews in October, and the price list does not exist yet. Almost everything else already does: what you would need to earn, what the land cost and what that implies, how far above nearby resale each size of unit would sit, what the same money buys two streets away, and how far District 20 must rise for you to get out whole. All from free public data, worked out in advance, so you can walk into the gallery with the arithmetic already done.

Does Progressive Payment Really Cost Less? We Added Up Every Month.

Does Progressive Payment Really Cost Less? We Added Up Every Month.

“You only pay as it is built, so it is much easier on your cash flow.” It is the most repeated line in the new-launch pitch, and it is half true. Staging the payments does save real money — about S$44,000 of interest on a S$1.5 million home. It also puts you in a rented home for three and a half years, which costs about four times that. We ran both purchases month by month for seven years. Here is where the belief holds, where it breaks, and the one situation where it is simply correct.

You Want Gold. Which Gold?

You Want Gold. Which Gold?

Gold is now the biggest ETF on the Singapore exchange, and the case for owning some — debt, debasement, negative real rates — is everywhere. This piece does not argue that case or its opposite. It answers the question that comes after: which of the five ways to own gold fits the job you are hiring it for, and what does each one actually cost?

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