Saving Account Comparison (UOB One & GXS)

Following up from my last article, many have asked why not other banks such as UOB One and GXS (which is the currently most attractive).

One main reason is, there must be manual task to be done and some criteria to be met.

Here I have done a table out to show you the effective interest with the criteria if you are mindful to complete all those steps.

Comparing the two, UOB One account would be best for the first $150,000 for interest. However, it only pays out monthly. 

GXS is good as it pays daily for the base balance ($25,000) or every 4 months for the 2 boost pods if you are mindful to do it every 3 months. Which I feel is an hassle. The moment you missed, your effective interest will be lower. Also it only allows you to leverage up to $75,000 though the additional from interest does earn you the based 2.38% interest unlike Mari or UOB.

https://docs.google.com/spreadsheets/d/1rfBgrs6y5ZBamiX5uW4RYyck2GChll3EOICFlEVtCBA/edit?usp=sharing

Black Myth Wukong Review, Guide and Tips

Finally completely the hottest game, Black Myth Wukong on my PS5. Not just once but 3 times, in order to prepare for the DLC with maximum stats and inventory of all drinks, soaks, weapons, armor, etc.

This is is really well crafted. From the story line to the logic in every game play. Not just punching the buttons away. Certain bosses have certain logic behind them or certain items you need to be carrying to help you.

I have gone through walkthrough, youtube video to name some to enjoy the maximum of the game. So here are some of the list I would recommend. Below includes also some logic explanation and story line created by others so you will appreciate the game better. Do note no glitches are shared here as mostly everyone is been patched.

Information

• Story of the characters you met in the game.
• All characters Journal entries
• Additional dialogue when you use certain item on some bosses
• All trophy list you will need to play NG+ to complete some of the armor and weapons

Logic

• Chapter 2 Yellow Wind Ridge - The Yellow Sage help you by determining how good you are.\
• Chapter 5 Yin Yang Boss Logic - This boss, can be easy or tough depending if you know the logic. Interesting game play for this.
• How to unlock the 4th focus point. A reason why I played NG+2

Tips

• IGN Walkthrough - When I was playing they only have to Chapter 3. Now they have up to Chapter 5. So it is still a great guide to help you though. 
• Best place to farm for ingredients and level.
• Secret areas in every chapter. Before going to final bosses
• Bosses in each chapter and location include map of each chapter
• Drinks and Soak locations
• Gourd locations
• Curios locations. Note not every Curios can be obtain more than once
• Fire date seed which I was missing to complete the trophy after completing the game and repeat farming to finally got it
• Tiger Tendon Belt which I repeat a few times to get it to complete the trophy
• Venomous Armguard - In chapter 4, from Venom Daoist, hit 4 of hands off before defeating him. I missed this and have to do it in NG
• Summon 2 sets of Duplicate
• Bosses easy strategy

Hope the above helps you as it helps me.

Best Saving and Deposit Singapore

As a past financial adviser, I am a pretty thrifty person and always looking out for best deal. A so call "lobang" king labelled by friends and colleagues.

At the time of writing, I like to share two best deals that capture my eyes.

DBS/POSB Fixed Deposit (reference)

With a sum of $1,000 to $19,999, over a cause of 12 months, you will fetch 3.2% with their fixed deposit (FD). Do note you must not have any existing FD with them else you will not be eligible. And yes, the number is up to $19.999, the moment you enter $20,000, the interest will drop to 0.5%.

If you do have some money lying around that can be placed aside for 12 months, don't missed it.

Mari Saving Account (by Shopee)

This e-bank by Shopee gives you a 2.7% daily interest up to $100,000 in saving. You cannot top up more once your account have $100,000. You will need to cash out of it to top up. It support Fast transfer and PayNow, whether to transfer out or in. This is really convenient. Just in case you are worried, it's regulated by MAS up to $100,000.

Trying to top up beyond $100,000 and got denied.

Why I find this attractive where you might ask. Since many banks has salary account. Those salary account are pretty much activities driven. You need salary to be bank in and a minimum spend on their credit card. If you lapse paying the card you need to call in to waive off the charges. Not to mention to watch out of annual fee, etc. They pay out interest based on your balance daily at 12am.

Daily interest from $100,000.
$100,000 & 2.7% / 365 days.

As a past financial adviser before, you should always keep some liquidity money when you need it. Not lock away. So I find that Mari bank offers me this great flexibility. While been liquid, there is no salary or minimum sum and yet they pays you daily interest. No frills and even have added benefit when shopping in Shopee. What else can you ask for! Putting in a normal saving account will not make your money work hard for you.

So look no further if you just want a interest paying account and no requirements for it. Also gives you the flexibility. Use my referral code below:

Get $10.00 by signing up with MariBank Personal Banking!Simply download MariBank app and use my referral code: 4NVN97FE. T&Cs apply. Remember to make a price in Shopee within 14 days to get the $10.