Sharing of share portfolio and monthly dividend income

笨mummy just realize that a number of finance bloggers shared their share portfolio and dividend generated in their blogs. It seems to be a good way to keep track of one portfolio and dividends received. As the current excel spreadsheet used by笨mummy provides real time information and the past data would be overwritten once the latest share prices. The use of the blog to share the portfolio allow a snapshot of the portfolio at monthly basis. It is time for笨mummy to try this out at the end of May. 

Best payment mode for cab

The best payment mode for cab that  笨mummy discovered so far is the Nets Flashpay function of the OCBC Frank credit card. 

Firstly, Nets Flashpay auto top up (ATU) on OCBC Frank Credit Card can enjoy of 6% rebate if you can hit the minimum spending of $500. 

The use of Nets Flashpay allow one to enjoy a further 5% rebate on taxi fare if one spent more than $30 per month on cab. (See Nets Flashpay promotion: http://www.nets.com.sg/offers-a-promotions/nets-flashpay/taxi-rebate-flashpaycard)

See computation below: 
Assuming a monthly cab fare of $30, consisting of an average cab fare of $10 per trip.
cost:
Admin fee from using Nets Flashpay - $0.30 x 3 = $0.90

Gain:
6% rebate from Frank Credit card - S$1.80  [i.e. 6% x S$30]
5% rebate from Nets Flashpay - S$1.50    [i.e. 5% x S$30]

Net gain: S$2.40 (a 8% gain from S$30 spending)

Points system for taking cab.

With the addition of a new family member, taking cabs is unavoidable nowadays for 笨mummy. Now a point system by Comfort for those people who take cabs is here. http://cabrewards.cdgtaxi.com.sg

From now to end May, there is a 500 points give for those who sign up. Why not sign up now and enjoy that extra head start. 

Under the cabreward system, payment by cashless mode would enjoy 1 point per $1 spent and a total of 1000 point can redeem a $5 comfort taxi voucher. Couple this with the Nets Flashpay, one can enjoy a further 5% rebate on taxi fare if one spent more than $30 per month on cab. (See Nets Flashpay promotion: http://www.nets.com.sg/offers-a-promotions/nets-flashpay/taxi-rebate-flashpaycard) 

The 5% rebate can break-even the admin fee of $0.30 charged at a cab fare of S$6. 

Also for those that have the OCBC Frank credit card, the money that was top up into the credit card Nets Flashpay function is entitled to the 6% rebate (if one fulfill the OCBC  6% rebate requirement) and your break- even limit is even lower of S$3 [$3 x (5% + 6%)].

So yummy.. 3.05% interest from OCBC 360 account.

http://www.ocbc.com/personal-banking/accounts/360-account.html

Revamp to OCBC 360 account makes it so hard to resist. 笨mummy just apply to open the account over lunch.

Time to parking the emergency fund to earn the higher interest. With the FAST, it no longer matter when one's salary is credited. It takes just a few minutes and the money is moved from one bank to another. Plus paying 3 unique bills is a piece of cake and spending $400 a month on OCBC credit card is not an easy task.

Getting back

Yes, 笨mummy has been away for a long long time... her last post was May last year. Now she is back. Last year was eventful for 笨mummy. Coping with pregnancy, emergency C-Section, to being a mummy taking care of a newborn baby, coping with nasty confinement nanny, and dealing with in-laws. Now things have more or less being more stable for 笨mummy, though she is still quite busy and 24 hours a day is always no enough for her. It is good to be back to doing what she uses to do... penning down her thought in a blog and sharing things and ideas with others. :)

Capitastar program

This is a membership program that is introduced by Capitamall. For those interested, can refer to this link for more information on how this program work -http://www.capitastar.com.sg/

The program works well for those who regularly shop at Capitamalls, since you are already shopping there why not tag along this program to max your spending. It also works for one who live near a participating mall, like 笨mummy. Living in the Jurong area, Jcube and IMM are frequently visited by 笨mummy for shopping and dinning.

Spending of $1K would be able to get 5,000 capitastar point and redeem $5 capitamall voucher. Plus there are frequent promotions on going at the malls also allow extra points to earn. 

Standard chartered 360° Rewards Program

 笨mummy cannot deny the fact that she loves her Standard Chartered Bank credit card program and this is not without good reason. It is one of the banks that give reward points to credit card holder for merely having a "relationship" with the bank and no spending is involved.  

Yes,  笨mummy is talking about the 360° Rewards Program. For those interested, you can find the details on Standard Chartered Bank website - http://www.standardchartered.com.sg/personal-banking/cards/rewards/360-rewards/en/.

This is how it works for 笨mummy who is under the preferred banking with the bank: 

Every month 笨mummy would be getting 750 points from SCB and in a year that is 9,000 points. Based on the new updated reward redemption catalogue, this is what items that can be redeem within the 9,000 points: 

• 7,200 points can get a S$30 sakae sushi voucher, 
• 5,500 points can get S$30 GNC voucher
• 5,200 points can get S$20 Paradise Group voucher

Which bank rewards customer with a potential free Japanese meal for just having "relationship" with them? Now you know the answer. :)