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Monday, February 26, 2018

UOB One Vs OCBC 360

Can't decide on which savings account is best for maximizing your interests ?

This calculator will help you to decide whether the OCBC360 account or UOB One account (including credit card rebates) is better for you.

Fill in the following questions and press "Calculate!" to see the results.


Q1. Are you able to credit at least $2,000 of your salary to the bank account?
Yes No

Q2. Are you able to pay 3 bills thru GIRO (or online payment) every month?
Yes No
Total GIRO Amount: SGD

Q3. How much do you spend on your credit card every month?
- Online Spending: SGD
- Any Other Spending: SGD

Q4. How much are you able to invest or insure ?

Q5. How much money do you keep in the bank account?


Savings Interest SGD SGD
Credit Card Rebate SGD SGD
Total Interest & Rebate SGD SGD
Effective Interest Rate %
Credit Card Rebate %

The better account for you is
Additional annual interest & rebate is SGD


For more info on each of the accounts, use the links below:



The information is accurate as at 28-Feb-2018.

Tuesday, April 04, 2017

Borderlinx - How to Ship UK Purchases to Singapore

Sugar Spice Everything Borderlinx

Shopping on the UK websites provide great value with the recent weakness of the GBP. However, there are some sites that do not accept international credit cards nor ship to destinations outside the UK.

I wanted to get a pair of Adidas NMD sneakers for my wife but there was no stock available in Singapore. I discovered that UK Footlocker still held stock of the shoe in her size. So i went about trying to find ways to buy from a UK site that did not accept Singapore credit cards, nor ship directly to Singapore.

This is where i chanced upon the Borderlinx concierge service. In essence, it provides a 'personal shopper' service for a 5% fee (off the total value of goods). In addition, Borderlinx provides shipping service back to Singapore.

So if you need to buy something from the UK in a similar fashion, you have the option to use the Borderlinx Concierge service.

Lets talk about how we can proceed with the orders before i give you a summary of my personal experience.

Sign Up for a Borderlinx account

Register an account with Borderlinx and setup your home address.

Create a Concierge Order

Access your account, select "Make a concierge order" and click "Place a new order".

Borderlinx Concierge
Fill in the details (Example Screenshot below)

Borderlinx Concierge - Add fields

Save the item and you will be brought to the order payment page.

Make the payment

Payment has to be made before the product will be purchased by Borderlinx. Typically you will use a Credit Card. Do note that you will incurr the usual cross-border and currency rate (GBP vs SGD) on your credit card. 

In addition, there is a 'contingency' charge. This fee is 'blocked' on your credit card just in case there is a slight price difference from the input price of the product. As its name suggest, you will not be charged unless there is a difference (increase in price).
Borderlinx Concierge - Order Details

Payment for shipping to Singapore

When the product is purchased by Borderlinx, you will see an update on your concierge order status that says "Status: Order placed and accepted by merchant". Once this step is completed, the merchant will ship your order to the Borderlinx warehouse.

When your purchases reach Borderlinx, you will then need to make a final payment, for shipping to Singapore. The cost of shipping will depend on the weight of your purchase. For my case, it is as shown below (3.78kg):

Borderlinx Concierge - Order Summary

Borderlinx Concierge - Weight of Shoes

As you can see, i was charged GBP $36.16 for a shipped weight of 3.78 kg.

Once the shipping costs are paid, Borderlinx will proceed to ship the purchase to Singapore, via DHL - to your desired home address. 

You can track the shipment history in your concierge menu -> "My Account" -> "Shipment History". 
Borderlinx Concierge - Shipment History


I paid a total of GBP 139.99 + GBP 36.16 (Shipping). This translates to about S$315 at the currency rate i paid on my credit card. These shoes retail for about S$299 in Adidas Singapore, assuming you are willing to brave the long queues at the retail store and lucky enough to get one in your size.

The total time taken from entry of the concierge order to purchase of the shoes from UK Footlocker is 3 business days. Shipping via DHL by Borderlinx was fast and it took about 2-3 days before it was delivered to my doorstep in Singapore. Package was well packed and arrived in immaculate condition.

My overall experience with Borderlinx was pleasant but i was slightly disappointed at the high costs of shipping, which translate to about GBP 4.5 per 500g. Thankfully the favorable exchange rates helped to reduce my total costs. Most importantly, my wife loved the pair of shoes! :)

Note: This is not a sponsored post

Monday, November 28, 2016

Taobao - The Complete 4PX, NinjaVan, DPex, Prouter Guide (Updated)

I wrote a post about "The Complete 4PX Guide" when Taobao first became popular in Singapore back in 2014.

It has since been 2 years and after several changes to the interfaces and links, i would like to give an 'update' to this guide to help you with your shopping. This update will be applicable to any of the Taobao Official Freight Forwarders - 4PX, Prouter, NinjaVan and DPex.

I am assuming that you have already read the Taobao Account Creation guide and have an account ready. So i will go straight to the main highlights of using a Taobao appointed official freight forwarder.

So let's proceed.

Setup Your Singapore Address

This step is pretty important for home deliveries. 4PX has a tie-up with Singpost for POPStation deliveries. But nevertheless, it is important to input the right address to ensure your goodies will reach you!

  • Select "账号管理" (Account Management)

Taobao Setup - Manage Account
  • Select "收货地址" (Delivery Address)
Taobao Setup - Manage Address
  • Add your home (Singapore) address.
Taobao Setup - Add Address

Let's Add Something to Our Cart

I am going to buy some caps for my son, so let's add them to our Shopping Cart.

Taobao - Add to Cart

Check Out

Select the items and click the "结算" button at the bottom. You will see the following screen.
Taobao Global Consolidate and Shipping

As you can see, the rates are clearly displayed for each of the Taobao Official Freight Forwarders. For our example, we will use 4PX to deliver our purchases.

(Rates Accurate As of 23-Nov-16)
  • DPEX
    • ¥30 for first KG ( ¥10 per subsequent 0.5kg)
  • 4PX
    • ¥33 for first KG ( ¥10 per subsequent 0.5kg)
    • ¥26 for first KG ( ¥9 per subsequent  0.5kg)
  • PRouter
    • ¥27 for first KG ( ¥10 per subsequent 0.5kg)

Click on "确认" (Accept).

Pay via Alipay

Pay for your purchases via Alipay. As you can see from the screenshot, there is a credit card fee that you will have to bear (approximately 3% of your entire order). 

Pay via Alipay

Once the payment is made, the seller(s) will proceed to ship the items to the 4PX (Or your designated freight forwarder) warehouse for consolidation.

Check The Flow of Goods

You can proceed to check the statuses of your purchase from the menu "淘宝集运". 

Freight Forwarders

4PX Flow of Goods

You will be able to track your purchases, as well as view the corresponding costs of shipping it to Singapore. When all the items have arrived at the freight forwarder's warehouse, you can proceed to consolidate and pay. 

Consolidate and Pay for Shipping

You will be notified by SMS when you packages arrive at the 4PX warehouse.


4PX SMS for Arrival
Login to Taobao to select the purchases to be grouped. (Check the "订单" checkbox on each item).

Consolidate and Pay

Click "运费结算", which means "pay for shipping".

Note: This step is where you select "Home Delivery" or "Self-Collection" (POPStation).

4PX Home Deliver or Popstation

Once you have completed this final payment step, the freight forwarder will proceed to pack and ship your items to your home in Singapore (or POPStation, if you have selected the Self-Collection method)! 

Sit back, enjoy a cup of tea and wait for your package(s) to arrive! 

Update: Very impressed with the speed of their service - Received the SMS from Singpost about delivery of the package after 3 working days. All in 4PX consolidate and pay to delivery took about 5 days (2 days over the weekend).

Here's a picture of what arrived - nicely packed and sealed, delivered by SingPost.

4PX Home Delivery

Happy shopping!!!

Thursday, November 17, 2016

The Best Black Friday 2016 Deals, Singapore Edition

Black Friday 2016

Black Friday (25 November 16) is the biggest shopping event in the United States. Akin to the 11.11 Singles Day sales in China, people wait for this day to make their year-end purchases, usually at steep and unbeatable discounts. Although many of the steep discounts are found in-store, in the recent years, these discounts have also been extended online.

The official Black Friday Date takes place on the first Friday after Thanksgiving. Although mainly celebrated in the US, many countries that do not celebrate this holiday are also starting to take part in the shopping fun that this holiday represents. The shopping frenzy has spread to the UK and even here in Singapore.

Although the US$ is reasonably strong this year, I personally will still be looking to get my Christmas gifts as well as some tech. items that are hugely discounted.

Here are some of my favourite online stores that either ship to Singapore or accept International Credit Cards. If you decide to buy from a store that only ships within USA, fret not! Simply use an international freight forwarder like ezbuy*, comgateway, hopshopgo, VPost or borderlinx to ship your purchases back home.

* You can read more about how i ship my US purchases from Amazon to Singapore here.

Read on for some of the great deals that i will be sharing this Black Friday!

US Online Stores (Cyber Monday Inclusive)

You can get some of the best deals from Amazon, Polo Ralph Lauren, JCrew, Tory Burch and more.

I personally got a Samsung 850 EVO 250GB SSD during the last Black Friday, at only US$79 ! This year, i intend to build a new desktop PC and will be looking out for more SSD and computer component bargains (I have shared some below - the Kingston 240GB looks like a steal!).

Some of the other tech. goodies that i am watching out for this year:

GoPro Hero4
Samsung 28inch UHD Monitor
Crucial MX300 275GB SSD
Shopping Tip: Use a cash back enabler like eBates when shopping in the US!

Here are some of the niche US Online Stores that i shop at (Do check back as i add-on to the list):

US Stores (Black Friday Promo Codes)

Club Monaco - "WINTER16" [Extra 30% off sales items]
Coach - "THANKS2016" [30% off] *
JCrew - "HOLIDAY" [40% off order] *
Tory Burch - "THANKS" [30% off order, with $250 spent] *
Michael Kors - "HOLIDAY" [25% off order, with $250 spent] *
Shop Bop - "GOBIG16" [20% off order, with $500 spent]

* You will need a freight forwarder (Concierge Service) for some of these US Stores.

Singapore Online Stores

Popular Black Friday Stores you must keep an eye on in Singapore:

Cotton On, Lazada, Expedia, ASOS, Reebonz, Nike, Sephora, Zalora, Yoox, GILT, Under Armour

Don't forget your free $5 cashback from Shopback.

UK Stores (Black Friday Promo Code)

Mankind - "BFMK" [20%  off order]

Happy Shopping!

Monday, October 17, 2016

Shop Taobao 11.11 Singles Day with ezbuy !

singles day taobao

Are you ready for the biggest Taobao sales event of the year ?

That's right, mark your calendars! The annual, 11.11 (Affectionately known as 'Singles Day', is the single largest consumer online shopping day in China - akin to the Black Friday in the USA, with discounts up to 90%. 

In 2015, consumers spent up to US$14.3 Billion on this 24 hour (From 00:00 to 23:59 Beijing time) shopping event, which takes place on the 11th November 2016. 

During the last 11.11, i made several purchases, some with really steep discounts off the listed price. For example the 120GB SSD and 32GB Micro SD card only cost approximately SG$ 75 - which was a steal!

I will be looking forward to making more purchases this year!

Samsung SSD
My 2015, 11.11 loot
I used the Taobao Direct Freight Forwarder, to ship my purchases last year. One of the main gripes i had for the 11.11 sales event was the logistic delays that hit the Taobao direct shipping companies. Due to the overwhelming demand and sales, several of my purchases were delayed up to 2+ weeks before reaching my doorstep.

As you may know, i have been using ezbuy (When they were 65Daigou) and would highly recommend trying out the 1-month trial ezbuy Prime membership, specifically for this sales event. The unlimited shipping fee at only $2.99, regardless the size, weight or quantity would be perfect for bulky and large orders, limiting shipping costs to a fraction otherwise incurred through alternative freight forwarders.

<< Link to a Free ezbuy $10 shopping voucher, no min. purchase. >>

Tips on Choosing a Freight Forwarder

When choosing a freight forwarder, the 4 key points of Pricing, Speed, Options and Service, are most important. To help you make an informed decision on your choice and to streamline your shopping experience on the 11.11, i have designed an infographic to give a quick comparison between Taobao Direct Shipping and Ezbuy.





I personally enjoy the convenience of self-collection, the attractive shipping fee and frequent promotional discounts on offer. Most recently, i also became a satisfied user of the ezbuy Prime.

Why i would recommend ezbuy Prime

- Unlimited shipping fee at only $2.99.
- Ideal for purchasing bulky and heavy stuff like furniture, appliances or bicycles.
- Includes services such as Purchasing, Inspection, Repacking and After-sales support.
- Home delivery costs $8 for bulky (>8kg) items to save the hassle.

Watch out for more ezbuy promotions and enjoy your shopping on the 11th November!  :)

In case you missed it: Our readers get a free $10 Shopping voucher with ezbuy (no min. purchase)!

(Disclaimer: This post was sponsored by ezbuy, but opinions, recommendations and experiences are entirely my own.)