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What Are KrisFlyer Miles Worth? One Cent, or Five

fiAug 12, 2026

You have a balance and the airline shows you no price. The honest answer is that a KrisFlyer mile is worth somewhere between about one cent and five cents, which on 100,000 miles is the difference between S$1,000 and S$5,000 — and which end you land on is almost entirely your decision, not the airline's. Here is what sets it: the floor that turns out to be a ceiling, the reason business class changes everything, the one question that stops you flattering yourself, and our own ledger of nine confirmed bookings.

Thomson Reserve Previews in October. What Can You Work Out Before the Price List?

fiAug 08, 2026

Thomson Reserve — the former Thomson View, on Bright Hill Drive in District 20 — previews in October, and the price list does not exist yet. Almost everything else already does: what you would need to earn, what the land cost and what that implies, how far above nearby resale each size of unit would sit, what the same money buys two streets away, and how far District 20 must rise for you to get out whole. All from free public data, worked out in advance, so you can walk into the gallery with the arithmetic already done.

Does Progressive Payment Really Cost Less? We Added Up Every Month.

fiAug 08, 2026

“You only pay as it is built, so it is much easier on your cash flow.” It is the most repeated line in the new-launch pitch, and it is half true. Staging the payments does save real money — about S$44,000 of interest on a S$1.5 million home. It also puts you in a rented home for three and a half years, which costs about four times that. We ran both purchases month by month for seven years. Here is where the belief holds, where it breaks, and the one situation where it is simply correct.

You Want Gold. Which Gold?

fiAug 07, 2026

Gold is now the biggest ETF on the Singapore exchange, and the case for owning some — debt, debasement, negative real rates — is everywhere. This piece does not argue that case or its opposite. It answers the question that comes after: which of the five ways to own gold fits the job you are hiring it for, and what does each one actually cost?

ShopBack, Used Properly: S$6,484 of Cashback for Spending We Would Have Done Anyway

fiAug 06, 2026

Our ShopBack account has returned S$6,484.09 over its lifetime — S$4,541.03 of it already withdrawn to the bank — for buying the same hotels, insurance and groceries we would have bought anyway. The entire system is one habit: start the purchase at ShopBack, then buy. Here is how we run it — the browser extension, the big-ticket bookings, the upsized-day calendar — and the one rule that stops a cashback app from quietly becoming a spending machine.

Is There Really a Glut of Unsold New Homes? Yes — In a Handful of Districts.

fiAug 06, 2026

Singapore has around 34,000 unsold new private homes — developers’ stock, not resale. The figure is official, it is in every property headline this year, and it sounds like a warning about whatever you are viewing this weekend. It is also a national figure, and nobody buys the nation. We added up where the unsold stock actually sits, district by district — and it is nowhere near evenly spread. Three districts hold more than a third of it. Five have no active launch at all.

Does a Cheaper District Pay More Rent? No. Smaller Flats Do.

fiAug 02, 2026

Everyone repeats the same rule: the suburbs pay you rent, the prime districts pay you prestige. We checked it across 26 of Singapore's 28 private districts and the relationship is not there — price and yield barely move together. What does move with yield is the size of the flats. The highest-yielding district in Singapore is in the city centre, and it is full of small apartments.

New Launch or Resale? Whoever Picked the Dates Picked the Winner

fiAug 02, 2026

Half the property internet says good resale beats a new launch. The other half says new launches are the sure win. Both can point at real transaction data from the same source, and neither is making anything up — the answer reverses depending on where you start counting. Put both sides on the same basis and the whole advantage comes to about S$3,800 on a S$1.5 million home, against a S$44,600 stamp duty bill. Here is what is actually worth comparing instead.

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