Month: August 2021

We Bare Bears Collectible Tumblers Now Available At Golden Village

Lobang: https://www.moneydigest.sg/we-bare-bears-collectible-tumblers-now-available-at-golden-village/

Collect all 3 of them!

Golden Village has released the new We Bare Bears Collectible Tumblers.

Get yours today when you purchase any of the We Bare Bears combo at just $14.50. GV Movie Club members can enjoy $1 off for each combo!
Hurry and get these tumblers now before they run out of stock!
Combo A includes:
  • 1x Regular Drink
  • 1x Large Popcorn
  • 1x Collectible Tumbler

Combo B includes:

  • 1x Regular Drink
  • 1x Nachos
  • 1x Collectible Tumbler

Combo C includes:

  • 1x Regular Drink
  • 1x Hotdog Bun
  • 1x Collectible Tumble

GV Movie Club members enjoy $1 OFF for each combo.

Available for online purchase and walk-in purchase at all GV Cinemas.

Subject to availability, whilst stock last!

The post We Bare Bears Collectible Tumblers Now Available At Golden Village appeared first on MoneyDigest.sg.

Pros and Cons of a Car Loan

Lobang: https://www.moneydigest.sg/pros-and-cons-of-a-car-loan/

A car loan is perhaps one of the best loans to be ever created by lenders. It allows you to finance a vehicle easily that can help you cut down on commute costs in the long run. If managed properly, you will end up a proud owner of a new or used car. However, if you mishandle the loan and make delays in the monthly payments, you might end up in emotional and financial stress.

You could be struggling to reach a decision. We are sharing a list of pros and cons to help you make an informed decision.

Pros

You Get a Card Without Paying a Dime Out of Your Pocket

Technically, the car you buy is paid for by the bank. Financing this loan 100% has now become a common practice. Not everyone can buy a car no matter how much money they have in their savings account. Hence, a car loan is such an attractive option.

It Improves Your Credit History

Unlike small loans that don’t add much to your credit score, a car loan allows you to improve your credit history. As long as you keep making the monthly payments on time, you will see your score increase gradually. The improvement in your credit score will help you get approved for a home loan later.

Low Rates

In most cases, a car loan is secured. Banks or lenders, such as Jacaranda Finance, typically offer a 5-year term. On a $25,000 loan at a 3.5% interest rate, you will only have to pay a few thousand dollars. Plus, with the extended period, you can divide the payments either by weeks or months.

Tax Deductions

If the car you purchase is for business, the cost of running the car and its interest payments will be tax-deductible. Your claim for the business portion cost depends on how the car is used for work-related errands.

Cons

The Bank Owns the Car Until Your Make the Full Payment

A car loan is secured where the collateral is the car itself. Meaning: if you fail to make the full payment, the lender or bank will repose the car. This could also affect your credit score and leave a negative marking on your credit history.

Depreciation

As time passes, your car’s value depreciates. The depreciation rate depends on the model of the car. In some cases, the remaining amount of the loan is higher compared to the car’s market value, which means you are paying more than its price tag. If you decide to sell the car and get another one, you will have to cover the difference between what you make from the car’s sale and the remaining loan amount you owe to the lender, and this can pose a problem. 

So, you now know all the intricate details of a car loan. The pros outweigh the cons, which, in our opinion, makes the loan a great option. Just imagine getting in your car every morning rather than waiting for the bus and then finding no seat.

 

The post Pros and Cons of a Car Loan appeared first on MoneyDigest.sg.

Melissa Shoes runs online warehouse sale offering discounts at up to 85% off! Price starts from $19 a pair (U.P. $100 – $150)

Lobang: https://www.moneydigest.sg/melissa-shoes-runs-online-warehouse-sale-offering-discounts-at-up-to-85-off-price-starts-from-19-a-pair/

Price starts from as low as $19 a pair

Looking to replace your worn out shoes? It’s about time to do so.

Melissa Shoes, a brand famous for their sweet-smelling shoes with bubblegum scent, will be running a Virtual Warehouse Sale (VWS) from now till 12 September 2021. During the sale, customers can look forward to up to 85% off a pair of shoes, with price starting from $19 a pair. If you have been procrastinating because they usually retail at a much higher price at around $100 – $150, this is your chance to score a bargain.

What’s more, enter the following promo code to enjoy additional discount on your purchase:

  • Buy 4 EXTRA 10% OFF | Promo code: 10OFF4
  • Buy 6 EXTRA 15% OFF | Promo code: 15OFF6

Click here to start shopping now.

 

 

The post Melissa Shoes runs online warehouse sale offering discounts at up to 85% off! Price starts from $19 a pair (U.P. $100 – $150) appeared first on MoneyDigest.sg.