u/prettyluckyhockey

Hi all, have some questions about HYSAs in Singapore. I am finally graduating from my POSB *kids* savings account (hooray) and am exploring DBS, OCBC and UOB savings accounts.

In the scenario of (1) salary crediting & (2) min $500 CC spending & (3) no insurance/investments w the banks:
- OCBC 360: 1.65% p.a. on first 75k // 2.65% on next 25k
- DBS Multiplier: 1.8% on first 50k // 0.05% after
- UOB One: 1% on first 75k // 2.5% on next 50k

DBS looks the most lucrative to me because I currently have little in liquid savings and I already have a credit card with them. However, after passing the 50k amount, it is no longer attractive. I anticipate crossing the 50k liquid savings mark in ~1yr.

My question is: does it make sense to start out with DBS Multiplier, credit my salary there, continue using my CC with them and when I hit 50k+ in savings, switch over to OCBC 360 and start using a card from OCBC? Or should I just stick to DBS Multiplier, cap my liquid savings at 50k, be happy with my current CC and put my money elsewhere?

Happy to hear any insights/advice. Thanks in advance.

Hi all, I am a first time visitor to Paris. I found an Airbnb that is spacious and nice in Les Pavillons-sous-Bois near the "Allée de la Tour-rendez-vous" stop on Tram T4. Google suggests that it would be a 50 minutes trip every day to the tourist centre. However, it is closer to CDG for my early morning flight on the last day

I just wanted to do a sanity if this is too much for 4 nights in Paris and if taking the RER + T4 tram everyday is a good idea.

The other accommodation is a little further from CDG, about 10 min from metro 13 and 14 "Mairie de Saint-Ouen". According to google maps that would be around 45-50 minutes a day too. ChatGPT tells me this is better because it is on Metro 14. But if the difference in quality is minimal I would prefer the other apartment closer to CDG.

Appreciate any comments. Thanks!

Hi all, will be staying 1 night in Brussels in June on my way to travel out of Belgium. I booked a stay near Palais de Justice. It is near "Citadines Toison d'Or Brussels".

However, I kept seeing posts about Bruxelles-Midi being unsafe. I will be arriving there at 9pm and was planning on walking to Palais de Justice/my hotel to explore the city.

Just wondering if this is a bad idea for a solo-traveller. Additionally, is the area near my hotel safe at night? I understand that tourist attractions will always have pickpockets and scammers but what about at 9pm? Thanks in advance!

Hi all, wondering how SNCB trains work. I see the option to buy them in advance online right now for the Brussels to Ghent / Ghent to Brugges routes but not sure if I have to. Do they operate more like interstate trains (eg. Amtrak in USA/VIA Rail in Canafa, which has limited last minute seats) or more like subway stations where there are "unlimited" seats?

If I decide to buy them on the day itself to be more flexible, is that doable? Thanks!