I would like to hear from an SCB VI cardholder, does the card pool points?

Yes the promo sign up bonus was exciting and I am one of the lucky few with the awesome sign up bonus but considering its high annual fee it just has basic perks and I may not continue on my second year unless the renewal bonus is great. Also I feel the online user interface and points redemption can be made to be much better though. One last exciting thing is that Standard chartered EasyRewards allows X Cardholders to use their 360° Rewards Points to offset Travel Purchase Qualifying Transactions or to use their Rewards Points via Transfer Rewards to redeem for Hotel Partner Points or Airline Partner Miles.

The Standard Chartered 360° Rewards programme rewards you on your total banking relationship with them. It starts with your credit card spend, and then also rewards you on your mortgage, investments, deposits and online transactions. All customers are eligible for the 360° Rewards programme as long as they hold a Standard Chartered credit card except the cards that offer Cash Back e.g. MANHATTAN. You can earn 360° Rewards Points via online Transactions (payment of any other bank's credit card bill or payment to billing organisations) or fixed deposit Investments (only selected investment).

Redeeming your online reward points can be easily achieved by simply following a few steps to redeem your Reward Points anytime. Steps 1 - Visit www.sc.com.sg/rewards if you are a First Time User to register with your Card Details. Then next step is to Login and Search for your favourite rewards by Product name, Points range or Brands, then select your rewards, indicate quantity and add them to cart then confirm your order upon Checkout. You should receive a voucher for every Reward redeemed except for Air Miles and Cash Rewards but allow for approximately 14 working days for voucher/s to be mailed to your billing address. Please note that the voucher(s) once issued are not refundable nor are they exchangeable for cash, or another Rewards. You can choose from a wide variety of exciting offerings from the rewards catalogue. These include everything from shopping to dining vouchers, and airline miles to experiential product offerings.

Mate I don’t think you need not worry about how it will benefit you just as long as that trading business of yours is still working but I don’t think It would be still ideal to keep holding onto it since it doesn't have its benefits, you will mainly have to liquidate your business if you choose to give up on that business, Cheers!

Just like in any country, there aren't many investments that guarantee your principal as well as returns in Singapore but of those that do, you should be very careful of scams. One other thing to understand is that when you get to enjoy such safety in your investments and visibility in your cashflows, you need to be prepared to accept a rate of return that is close to the risk-free rate. Your first bet is to invest on Singapore Government Treasury bills and/or Singapore Government Bonds. You can also try investing on saving plans or fixed deposits but the returns are low. If you want higher returns then you really need to invest on high risk investments.

There are different types of stock. Blue Chip Stock are the safest because they are simply shares of well-established, well-recognised, profitable, and financially sound companies.. Next is the unloved, neglecter or commonly known as Value stocks whichare priced below its fundamental value because of its unglamorous characteristics. Lastly we have the Exchange-Trade funds which is a type of fund that is traded in the stock exchange like stocks that owns a basket of assets (bonds, stocks and commodities).

There are four main companies in Singapore that offers business plans. We have OCBC, Maybank, POSB and Philip Share. This plan is great for individuals who just started working and have little capital to invest, people who don't want to spend time analysing stocks and people who dislike market volitility.

There are many ways to invest your money. You could invest it by opening a high yeild savings account for emergency purposes or you could invest all of it on CPF. There is also an option of dividing the money and putting half of it in your savings account and putting half in CPF. Eitherway it all depends on your current financial status and necessities.

You can submit a change of address notification to your telephone provider online or yu could always call your phone provider's customer service for further inquiries about the change and charges: Procedures such as account closure and account transfer may have to take place at a customer service centre.