Personal Finance
Should You Go For Miles or Cashback?
By Sethisfy  •  January 13, 2020
Tl;dr: cashback for low spenders, miles for high spenders, and leave a comment if you want my recommendations

It’s up there with age-old rivalries: cats vs dogs, DC vs Marel, Coke vs Pepsi, iOS vs Android… If you have spent any time at all trying to pick a credit card, you’ve probably pondered between cashback and miles at one point.

It seems to me that most people in this debate are quite polarised and are firmly on one side or the other. Personally, I chase both and have no allegiance to either camp, and I’m of the opinion that this really depends on the person. It’s not that much different from picking your smartphone platform since it boils down to your personal habits and preferences. If you’re picking a strategy to embark on, or wondering if you should switch to the other side, I hope I can clarify it...
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By Sethisfy
As an adult, I’ve been through many ups and downs in my career path and personal finance journey, not unlike many Singaporeans. From my years as a tied insurance agent turned independent financial adviser, I realised that there are very few sources of proper, unbiased financial advice for working adults to access. Worse, self-styled “financial consultants” are selling products like savings plans and ILPs to the detriment of the clients whose interests they were supposed to serve.
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