Category: Shopping

Where to Buy Vitamins and Supplements

Two online supplement shops that provide cheap and fast shipping to Singapore.

Although vitamins and supplements are not regulated by any government agency or organization in terms of their efficacy or even their authenticity and purity, just about everyone I know takes them. And many people even swear by them. The HSA states on their website that “unlike medicines which contain potent medicinal ingredients, health supplements are currently not subject to approvals, licensing or registration before being sold in the local market.”

Many people are unaware of this warning, and believe that as long as they buy from local stores, they are buying a product that has been tested and found to be safe and effective. Online sources, for many, are considered unsafe. However, there really is little difference since all supplements, no matter their source, are not regulated. But if you buy from local “brick and mortar” stores, such as Guardian, Unity, GNC, or Holland & Barrett, you may be spending 10-50% more than if you buy online. The selection online is also more vast. (more…)

Why Banks are the Tallest Buildings and Lamborghini Drivers are Poor

easy credit
Note to MAS: don’t just put a limit on unsecured debt, put a limit on credit card & loan solicitors!

In every city, usually the largest and tallest buildings are bank buildings. This should give you a sense of how much influence and profits they have. They are often much bigger and more prominent than government buildings. Many of them make the majority of their money through personal banking services, such as through loans and credit cards. Although just about every religion forbids usury rates (i.e., excessive or abusive interest rates that unfairly enrich the lender), banks somehow are able to issue credit cards with 26% annual interest and nobody seems to object.

I recently attended a talk in which a Singaporean economist said that about one-third of credit card balances in Singapore are revolving/outstanding. This means these debts are subject to the outrageously high interest rates. The sad thing is that once your balance is subject to these high rates, paying off the principal becomes extremely difficult because the interest just keeps growing exponentially. (more…)

Is the NTUC Membership Worth It?

Here are 7 reasons why NTUC membership is well worth the price.

The National Trades Union Congress (NTUC) is the sole national trade union centre in Singapore that is affiliated with 60 trade unions and 1 taxi association. The membership is open to anyone age 16 and older, except personnel from Singapore Police Force, Singapore Prisons, Auxiliary Police bodies, foreign domestic workers and full-time students. For my family, the membership is definitely worth it; in fact, it pays for itself. Here’s what you get by paying their annual membership fee of $117: (more…)

Where to Buy Cheap Fresh Produce (including Organic Produce)

The Pasir Panjang Wholesale Centre sells fresh produce at wholesale prices to the general public.

One of the best places to buy cheap and fresh produce is at the Pasir Panjang Wholesale Centre. This is where a lot of wet market vendors, restaurant owners, and caterers go to get their supplies. The centre is open 24 hours a day, with its busiest hours in the early morning between 2 and 4am when it’s auction time. Despite it being a wholesale centre, an individual can still get a good deal even if you’re not buying huge bulk quantities. (more…)

Where to Buy Cheap Groceries

There are nearly 40 ValuDollar shops that sell groceries at steep discounts.
There are nearly 40 ValuDollar shops here that sell groceries at steep discounts.

In additional to buying wholesale and in bulk, another way to save money on food items is to buy “B-stock” groceries. These are food items that did not pass the rigorous standards of the food manufacturer or retailer, but are still (for the most part) acceptable, safe, and nearly as good as the original item but a whole lot cheaper. In the States, Grocery Outlet is the place to go for “B-stock” pantry items. In Singapore, I go to ValuDollar. (more…)