If Defying Gravity has truly been knotting in your head as a result of Wicked stormed film theaters, you stay in nice agency. The musical’s encouraging sort out stable females ruining assumptions is virtually virtually in all places now– and with nice issue.
Take Michelle Yeoh Cast as Madame Morrible in Wicked, she’s nonetheless wrecking stereotypes and requiring significantly better depiction and selection. From kicking down doorways in Crouching Tiger, Hidden Dragon to calling Hollywood out, she’s the real-life queen of #WomenInMaleFields– exhibiting females are presently operating markets that have been as quickly as every little thing concerning the children.
A 2024 analysis by the Ministry of Social and Family Development (MSF) reveals that Singaporean females are tipping up additionally by progressively tackling administration capabilities and attaining higher financial self-reliance. Translation: females are making energy relocations– and it’s your flip to take part in. Don’ t enable your money relaxation there like a bored trainee. Read on uncover precisely how one can place these monetary financial savings to perform and purchase advantages whilst you intend your following massive journey.
A better means to extend your monetary financial savings
Here’s a artistic method to make your monetary financial savings perform tougher with out dipping proper into your rainy-day fund. Meet UOB Lady’s Unstoppable Pairing: an influence mixture of the UOB Lady’s Savings Account and UOB Lady’sCredit Card Together, they’re developed to assist you purchase UNI$ advantages simply– glorious for any particular person desirous to stage up their monetary financial savings online game with little or no initiative.
MoneySmart Exclusive
Up to 10 Miles per S$ 1 invested
UOB Lady’s Card
MoneySmart Exclusive:
[CHRISTMAS GIVEAWAY + FLASH DEAL]
The initially 100 shoppers can get hold of S$ 50 Cash + Apple Watch SE 40mm (GENERAL PRACTITIONER) ( price S$ 399), the next 100 shoppers can get hold of S$ 50 Cash + Apple AirPods 4 Noise Cancellation ( price S$ 299) and the persevering with to be shoppers can get hold of S$ 50 Cash whenever you use and make investments a minutes of S$ 1,000 in Eligible Transactions! T&Cs apply
Additionally, enlist in our Rollin’ Rewards campaign fully free and stand a possibility to win 50,000 SmartPoints and retrieve legendary advantages!
Valid until 31 Dec 2024
More Details
Key Features
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Up to 25X UNI$ for each single S$ 5 make investments (equiv. to 10 miles per S$ 1) in your beneficial advantages classification( ies) with out minimal make investments wanted. Choose from Beauty & & Wellness, Dining, Entertainment, Family, Fashion, Transport andTravel
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10X UNI$ (4 miles per S$ 1) + added roughly 15X UNI$ (6 miles per S$ 1) whenever you preserve with UOB Lady’s Savings Account
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Flexibility to change your Preferred Category (ies)Spending each quarter.
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UOBLady’s LuxePayPlan 6 or 12-month time fee plan with out fee of curiosity or dealing with prices
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Free e-Commerce protection for on-line acquisitions roughly USD$ 200
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Earn roughly 6.0% p.a. fee of curiosity with UOB One Account
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At MoneySmart, we goal to take care of our particulars exact and roughly day. This particulars is perhaps numerous from what you see whenever you see a banks, firm, or sure merchandise web site. MoneySmart is not going to be reliant make up the Customer should the main points shouldn’t be as upgraded as our Partner.
UNI$ advantages are the benefits you make with each swipe of a UOB compensates card. For the UOB Lady’s Credit Card, each $5 you put money into certified acquisitions offers you UNI$ 1. Rack up enough of those, and also you’ll be remodeling them proper into air miles faster than you’ll be able to state “vacation.”
The level is, we perceive that making miles the “normal” means– just by prices– is a prolonged and troublesome journey. It can appear to be for all times trying to land that return group course journey.
But with the UOB Lady’s Credit Card and Lady’s Savings Account, you’ll be able to supercharge your revenues to a monstrous 25X UNI$ per S$ 5 invested (that’s a juicy 10 miles per S$ 1) whenever you put money into your beneficial advantages classification( ies) with out minimal make investments wanted.
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UOB Lady’s Credit Card |
UOB Lady’s Savings Account |
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Earn 10X UNI$ for each single S$ 5 invested |
Earn roughly added 15X Lady’s Savings Bonus UNI$ for each single S$ 5 invested |
You could make advantages all through a collection of classifications, consisting of Dining, Fashion, Beauty & & Wellness,Family( grocery shops and kids’ retailers), Travel, Transport, andEntertainment With the UOB Lady’s Credit Card, you’ll be able to choose 1 classification, and with the UOB Lady’s Solitaire Card, you attain select 2– these may be altered each quarter, but additional on that exact afterward.
The full UNI$ you may make relies upon the Monthly Average Balance (MAB) in your UOB Lady’s Savings Account each month. Basically, the additional you preserve, the much more UNI$ you’ll make.
Here’s an additional thorough check out the auto mechanics:
So, in case you preserve the very least $10,000 in your UOB Lady’s Savings Account each month, you may make a classy 15X UNI$ in your beneficial advantages classification( ies) make investments.
Let’s simplify with a real-life occasion: Jane invests $800 on her UOB Lady’s Credit Card in her beneficial advantages classification over a month. Here’s what she stands to make:
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Lady’s Card Base 1X UNI$ on all acquisitions |
160 UNI$ |
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Lady’s Card Bonus 9X UNI$ on beneficial advantages classification |
1,440 UNI$ |
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Lady’s Savings Bonus roughly 15X UNI$ on beneficial advantages classification |
800 UNI$ |
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Total UNI$ made month-to-month |
2,400 |
If Jane maintains her prices for a 12 months, she’ll purchase 28,800 UNI$ * over one 12 months. That equates to a surprising 57,600 KrisFlyer miles. With these miles, she will retrieve a return financial local weather ticket to Tokyo or Seoul, which simply requires 54,000 miles **. Or, if she’s actually feeling a little bit bit elegant, she will promote these miles for a return group course ticket to Bangkok, which normally units you again round 48,000 miles **.
Shouldn’ t I park aside my monetary financial savings to make fee of curiosity quite than creating miles?
Ok, we perceive that retaining a daily month-to-month abnormal equilibrium of S$ 10,000 would possibly appear as if a big dedication. And chances are you’ll imagine that it is perhaps additional price it to stick that $10k proper right into a taken care of down fee making 3% p.a. quite.
But if touring is your level, chances are you’ll find that the extra miles from the Unstoppable Pairing use much more worth. Those miles may be your ticket to brand-new journeys, making the Unstoppable Pairing not merely a wise financial relocation but a key to experiences.
Here’s precisely how.
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Balance |
Opportunity expense (Interest made in a 12 months if placed on FD at 3% p.a.) |
Additional miles made in a 12 months if positioned in Lady’s Savings Account |
What you’ll be able to retrieve with the added miles |
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S$ 10,000 |
S$ 300 |
24,000 ( based mostly upon S$ 1k invested/ month) |
This may be retrieved for a one-way group course ticket to Bangkok (price ~ S$ 900). |
As you’ll be able to see, the added miles made by transferring S$ 10,000 in a UOB Lady’s Savings Account and prices merely S$ 1,000 a month in your UOB Lady’s Credit Card deserves larger than the S$ 300 in fee of curiosity you can or else make in a 12 months from taken care of down funds.
We can even run this circumstance as soon as extra the place you preserve an MAB of S$ 100K and make investments S$ 2K every month on the UOB Lady’s Solitaire Card:
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Balance |
Opportunity expense (Interest made in a 12 months if placed on FD at 3% p.a.) |
Additional miles made in a 12 months if positioned in Lady’s Savings Account |
What you’ll be able to retrieve with the added miles |
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S$ 100,000 |
S$ 3,000 |
144,000 ( based mostly upon S$ 2k spent/month) |
This may be retrieved for a one-way suites/first course ticket to Paris (~ S$ 11,200) |
This reveals precisely how the pairing can use useful benefits– by sustaining your funds within the Lady’s Savings Account, you may make added miles that could possibly be higher on your itinerary.
The benefits don’t give up there
Aside from enhancing your miles from regular month-to-month acquisitions, this pairing makes use of useful benefits for females, like the flexibleness to pick out and alter up your beneficial advantages classifications each quarter.
Dining out an excellent deal this month? Set your advantages to the Dining classification. Eyeing some brand-new strings subsequent? Shift toFashion Heading on a visit? Switch it roughlyTravel It’s every little thing about seeing to it you get hold of one of the out of each buck invested.
And for these high-end purchases (hi there there, footwear and luggage!), the UOB Lady’s LuxePay Plan permits you unfold out the expense with 0% p.a. instalments over 6 or one 12 months at no cost. Yep, these mary-janes don’t want to stay in your wishlist for all times.
With the UOB Lady’s Card and Savings Account, you’ll be able to incorporate clever prices with conserving, opening benefits and advantages that surpass common fee of curiosity– glorious on your following massive journey.
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Spend together with your UOB Lady’s Credit Card or preserve together with your UOB Lady’s Savings Account, and you’ll land a streamlined set of Gentle Monster sun shades Don’ t delay– this distinctive deal ends 31 Dec 2024 Not a UOB Lady’s Savings Accountholder but? Apply online presently and enjoyment of roughly S$ 240 cash credit score historical past to start. Thinking regarding a financial institution card? The UOB Lady’s Credit Card is your glorious swimsuit–apply here and start making advantages at the moment. |
T&&Cs use. Insured roughly S$ 100k by SDIC.
* UNI$ may be exchanged air miles on the conversion value of UNI$ 1 = 2 miles.
** Based on Singapore Airline’s Saver Awards Chart as at October 2023, leaving out tax obligations, charges and prices.
This weblog put up was composed in cooperation with UOB. While we’re economically made up by them, we nonetheless goal to maintain our content material stability and analysis gadgets with the exact same unbiased lens. We are dedicated to giving the perfect particulars so as so that you can make particular person financial decisions with self-confidence.
About the author
Audrey Ng is a deal seeker that makes an attempt to hunt the perfect gives possible whether or not it’s meals, shopping for or touring. She will definitely out auntie the auntiest of aunties.
How To Transform Your Savings Into a Miles-Earning Machine was very first launched on the MoneySmart blog.
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