4 Smart Ways to Use Your Credit Card This Holiday Season


As another holiday season approaches, many of us are now on the hunt for the best gifts to get our loved ones. This time of the year, it gets even harder to stick to our budget, and we often blame our credit cards for spending beyond our means. However, when used properly, your credit card can offer tremendous rewards to help you get the best deals—or even save big—during the gift-giving season.

  1. Check for Price Protection

It’s frustrating to buy an item at full price only to find out it went on sale three days later. Luckily, there’s a credit card feature called ‘Price Protection’ that takes care of this matter. With this perk, if the item is priced lower within 60 days after purchase, you will be reimbursed of the difference. However, not all credit cards have this feature, so make sure to check with your bank.

  1. Use the Right Rewards Card

Use a card that provides the best rewards according to the type of spending you do. For example, you’re booking for a holiday trip for the entire family, use a card that offers great rewards for travel purchases. But if you do a lot of entertaining, you’re better off with a credit card that provides rich rewards for supermarket purchases. Check with your bank if they have any special holiday promos, and take advantage of it.

  1. Try Online Shopping Portals

Many larger banks run their own online shopping portals, which are linked to major online retailers. These websites don’t only offer exclusive discounts, but they also offer additional cash back on top of those you would earn from simply using your credit card. If you’re going online shopping, you’re missing out on the best deals if you don’t check whether your bank’s portal is linked with the online retailer where you wish to shop. It might be just another step, but it can double or triple your savings.

  1. Get an Interest-Free Promo Financing

If you’re in the hunt for the right credit card and plan for an expensive holiday purchase, such as a new laptop or a PC, applying for a card that has 0% introductory interest will save you a lot. With 0% interest for your first 15 months of subscription, you can make bigger purchases for a much lower monthly payment. However, when making a major purchase, make sure you have good amount of credit limit, so it doesn’t appear like you’re maxing out your card, which can negatively affect your credit score.

Remember, holidays are more fun if you plan ahead of time and aren’t stressed out thinking about your finances. After all, ‘tis the season to be jolly, and you don’t want to start a new year with a maxed out card and a ridiculous debt to pay.

How to Deal with Garlic Breath


You love garlic and there is nothing wrong with that. Many Singaporean chefs use garlic for added flavouring not to mention the health benefits it offers. Speaking for health benefits, garlic has loads. For example, it contain allicin, a compound that can bring most of the health benefits.

Truth is one ounce (or roughly 28 grams) serving contains 1g of fiber, 6% recommended dietary allowance of selenium, 15% vitamin, 17% of vitamin B6 and 23% of manganese. It doesn’t stop there because it also contain decent amounts of vitamin B1, calcium, phosphorus, copper, iron and potassium.

No matter the benefits, there will always be that one thing that keeps you from eating it – garlic breath. It can be a turn off if you let it be. What is the cause of that unpleasant smell? Well, garlic belongs to the family of allium together with shallots and onions. It produces cysteine sulfoxide which gives that distinctive smell.

Knowing this, you should know how to deal with garlic breath so it will not ruin your reputation or even your relationships. It might sound shallow but there are cases that it can ruin a relationship. Do not wait for it to affect your life. The best solution to get rid of garlic breath is to stop consuming it. This is the only way to completely eliminate it but this is kind of challenging and difficult because everything you eat, there is always garlic.

If you pursue eating it, it is hard to determine if you have garlic breath and how bad it is however there are other remedies that you can consider. You can choose to neutralize the compounds inside your mouth. You can start by removing the particles in your mouth. This is done through flossing the teeth as well as brushing. You can also consider scraping the tongue and gargling with mouthwash. Note that scraping is very important because it can physically remove the sulphuric compounds found in your tongue.

Aside from these, you can also consider chewing parsley as it can neutralize the odor. If parsley is not available, you can consider other herbs like cardamom, anise seeds and cloves. You can also choose to drink tea or milk. Do not forget the lemon because aside from neutralizing the odor, it can kill bacteria that is causing the smell.

You have to remember though that these remedies can only lessen the smell not totally eliminate it. The sulphuric compounds will be exhaled from the lungs thereby making your breath smell like garlic.

Why We Need to Have Mobility Cars


For a long time, individuals with disabilities had trouble using automobiles, particularly entering and going out. This prevented them from doing something normal men and women could possibly perform—easily travel around. They had to depend on their loved ones or colleagues to accomplish things such as shopping as well as paying the bills for them. However, not anymore! Today’s technology has resulted in the production of mobility cars.


All these vehicles are particularly created to conveniently accommodate handicapped individuals. You might be asking yourself if you have to upgrade your car to a mobility vehicle or you will need to swap your automobile for just one of the several mobility cars available. Here are some of the explanations why you need to spend money on these types of car.

The market for vehicles is becoming bigger

One problem that could be holding you back from getting a mobility car is that you are not certain if the kind of automobile you need is in the market. Sure, having a mobility automobile is excellent, but what if you are merely able to find a mobility vehicle instead of a van? You probably wanted a van so that you and all of your relatives can go together. But do not trouble yourself, the market for mobility vehicles continues to grow so large that you could get different varieties of vehicles.


One can find mobility automobiles, vans, and SUVs. Simply take a look at different mobility shops to view everything that they provide. Other than different types of vehicles, you also have the choice to select vehicles which are either new, almost new, or second-hand. This could possibly help you with budgeting concerns. Regardless of what you are searching for, it’s now available for sale!

Dealers are there to help you

Just like getting a typical vehicle, getting a mobility vehicle would require some investigation. You need to know how you can get the perfect automobile to suit your needs. If you think you don’t have the practical expertise to make that decision, there are actually mobility agents you can talk to. They are really well-informed in the several types of automobiles and can lead you to the one you want.

Some agents will likely offer you a live demonstration without any obligation in order to make it easier to decide. Acquiring mobility cars will do amazing things when you have a handicapped member of the family or perhaps you yourself is in that condition. Disabled individuals shouldn’t be left out on family trips. Mobility vehicles can be just one of the greatest assets you could have.