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We expected other banks to follow OCBC’s footsteps in lowering their interest rates for their high-yield savings account (HYSA). However, we did not expect this move to be so soon. UOB dropped the interest rate for their UOB One account one week after OCBC made the news, and it is […]
One year after UOB revised the interest rate of its UOB One account, OCBC is finally revising its interest rate, which will be effective in May 2025. While this is a long-expected move, it does not make the news easier to digest. The change in the interest rate is rather […]
Recently, home loan interest rates in Singapore have fallen significantly from the peak of 4.x% to the current 2.x% in 2025. Sadly, this drop in interest rate has not translated to a decrease in our home loan interest rate. This leaves us with a dilemma – do we refinance to […]
Taking a career break was one of the riskiest decisions we made as a family, and we took great care to ensure we could afford it. The last thing you want is to regret that decision or realize you ran out of money earlier than you thought, and put yourself […]
What are T-Bills? T-bills, short for treasury bills, can be complicated to understand at first glance. However, once you deep-dive, T-bills are very straightforward to understand and easy to apply. In simple terms, T-Bills are a type of Singapore Government Securities (SGS) that is very popular amongst investors in Singapore […]
Recently, we made a decision to make an early prepayment to our home mortgage. It was a very hard decision to make as this payment is irreversible and it also means that we have lesser disposable cash (and CPF) on hand. Ultimately, it is a very difficult choice to make, […]