Dellswarm

Dell has been using social media platforms such as Twitter rather successfully for quite some time as a customer relationship management and communications platform. However, this is (I think) the first time, they are using it from a sales/customer acquisition angle and I think it is a very well thought out and executed social media campaign – www.dellswarm.com.

The campaign plays upon the idea of group purchases - where the more people group together to buy something, the lower it drives the per unit purchase price. Not a new concept but Dell makes use of a combination of social media elements (facebook,twitter, referral emails and SMS) to get individuals who do not even know each other but have the intention to purchase similar items together to make the purchase.

This is how it works - 1 user starts by joining a swarm (for a specific featured product) to enjoy a price lower than Dell.com’s best discounted price. As more and more users join the swarm to buy, the price reduces. The swarm closes after 72 hours or when 15 users have joined (which results in the lowest possible price for the product).

Users can tell others about the swarm through a referral email, facebook, twitter and other social bookmarking tools and follow a particular swarm via email alerts, SMS or Twitter.

Yes, you have the power too

HP has always prided itself as a socially responsible company with a high regard for corporate sustainability. They've launched a new initiative called Power To Change which essentially is a call to everyone to perform the simple act of turning off our computers when we don't use them in the concerted effort to help reduce energy waste, curb carbon emissions and save money. Part of the initiative is this cool little widget that you can download onto your desktop.

The widget is there as a reminder but more importantly, to measure how much energy you save by actually turning it off. It's an interesting social media angle where each individual's widget gets a daily sync with the HP database and it shows how much savings are made by all participating users.

Download yours at www.hp.com/powertochange

Google vs China

This just about sums up the whole conflict.

Get your very own Twitter logo

Get yours at www.twitlogo.com

One for one at Pacific Coffee Hong Kong

Print this coupon to get another drink free (same $ or below) with every purchase at Pacific Coffee

Follow me on Twitter

I'm much better with micro-blogging since it 140 characters is not hard at all to type out in limited time.

Twitter is such a brilliant invention. A lot of people think it's silly cos you can only say so much and I guess the fact that some idiots use it and make minute to minute updates on what they are doing ("Having a Big Mac with fries for lunch") does make it seem retarded. But it's a absolutely brilliant platform to gather on the ground news and information. BRILLIANT.

Follow me at www.twitter.com/intersphere.

Buried underneath a pile of work

I haven't updated this blog in ages. I've been too busy with work and trying to adapt to life in Hong Kong (i.e. Improve my cantonese and lose any inkling sensation of being home sick). So far, the homesick bit is more or less settled. I don't feel it anymore. Guess making more friends here does help a great deal.

Cantonese on the other hand is really hard for me to grasp. I can manage enough to get thru daily (eat, shop etc) and I can definitely listen better. But getting into a conversation is still a big problem. I've resolved to get my act together by only tuning in to Channel 6 on free to air TV where there are cantonese shows running all day long (and ignoring AXN, Star Movies etc). Oh, occasionally I steal a sneak peek.

Time to get back to work. Need to rush a huge propsal for Monday. This may be the tipping point that I'm looking for. Wish me luck. Peace out.

Damn it Facebook!

Found this on Digg. This is hilarious. Taken a long time ago but still funny nonetheless. Click on the image to see a bigger version.

Uniqlo Surprise

Uniqlo recently opened up their first store in Singapore to much fanfare at Tampines 1. The brand has really cool basic stuff at a reasonable price and I have been frequenting their outlets here in Hong Kong to check out the clothes. In my opinion, it's kinda a scaled down Muji without the nice stationary.

Check out their TribalDDB designed microsite for the Singapore market.

Life in Technicolor

I really really love this song! And the MTV is brilliant!

Flutter Away

Flutter is the next big iPhone app. The app allows you to send unlimited picture messages and your geo-tagged location to most web-enabled mobile phones in the world. All you need is a wi-fi connection or existing data plan to have the convenience of sending multi-media messages (MMS) to virtually any web enabled mobile phone number in your iPhone contact book.

There's a small US$1.99 fee to download the app from the iTunes store. It's a small fee for a really cool application.

Nike Air Zoom 81

I bought a new pair of basketball shoes yesterday. The Nike Air Zoom 81, essentially a variation of the Nike Air Zoom Kobe III. The shoe comes in 4 colourways and after much searching, I've came to the conclusion that the whole of Hong Kong only has the red/white/black one left.


I really like the black/white/gold colourway and by some sheer good fortune managed to find a pair in my size at a little store off Wan Chai Road (at a fantastic bargin price). The shoe commemerates Kobe Bryants 81 points against the Toronto Raptors on 22 Jan 2006. The number 81 is detailed on the tongue and the date highlighted on the heel of the shoe. And this colour is way cool! I am a very happy camper.

Burger Galore

I've been going on a mini burger craze. The three best places to have burgers in Hong Kong according to my limited knowledge are as follows:

1. Shake ‘em Buns
2. Triple O's White Spot
3. Burger Republic

Might find more but for the moment, here are the yummilicious photos from my recent burger spree.

Lonely Ad Space

Tribute to my Dad

It's not father's day nor is it his birthday but I guess I just wanted to make a tribute to my Dad. Possibly because I'm alone and away from home and feeling a little too darn melancholic. In any case, this is one of his favourite songs. A little ironic though given it's about a son who doesn't communicate well with his father and regrets it when...well, I don't think I want to say that cos it would be too frightening a thought.

Dad and I had our differences when I was growing up and at some point of time in my adolescent life, I felt I could not be any further away from him. But now things have gotten so much better and very much closer. Here's to my Dad - the man whom I love and respect deeply and the person who has always been there for me, no matter how badly I screwed up. Thanks Dad.

Earth Hour - 28 March 2009

Check out these amazing Earth Hour pictures. I'm glad I was a part of it. I've never quite seen Hong Kong that dark on a Saturday night.

Designer Lunch

Went to the Agnès b Cafe at Leighton Road last week for lunch with some clients and man, I must say that this place is nice. I'm not food connoisseur so this is not going to be a food review. I'll let the pictures speak for themselves.






Check out these little packets of Agnès b delights. This is afterall, Hong Kong, the land of the toothpicks

I twitter because I have no friends

This is an absolutely hilarious video..and unfortunately true. Enjoy! Oh and by the way, please follow me on Twitter.

"Twouble with Twitter" sous-titré
Uploaded by LePostfr

Are you being plagiarised?

In this day and age, almost all forms of content are available online and it's easy for plagiarism to run amok.

Copyscape provides an interesting proposition. Simply enter your website or page URL and it'll search through the web for similar content and matches.

Essentially, you will be shown a list (if any) of webpages that have a high number of matching content and text to your site.

Progressive breaks

I find myself listening to a lot of be progressive breaks recently on Proton Radio. Somehow, the *dum tsk dum tsk* helps me focus better at work.

Friday night hangout

Made a couple of friends playing ball at the Southern Playground at Wan Chai. One of them, Karl, an American-born Chinese from L.A brought me to Swindlers on friday night. The place is a small little pub by Lockhart Road on the *ahem* slightly dodgy end of Wan Chai.

It was one of the few pubs in Wan Chai with a live band and boy, were they were amazing. It's not so surprising that they were Filipinos, Hong Kong is after all, swimming with them (pun intended). The music was a mix of heavy rock and some mainstream stuff. Crowd was mainly Caucasian with some locals and the food and beer were great and pretty decently priced.

Definitely a place to go again just to kick back and chill.

Typhoon Shelter Crab

I never used to like crabs that much. My girlfriend loves them. But after trying the spicy crab at Causeway Bay (Place is called Under Bridge Spicy Crab - Canal/Lockhart Road), I am a convert. Served dry with a mountain-load of garlic, my mouth is watering just thinking about it.

The essentials

Some of the things keeping me sane in Hong Kong:

1. Playstation Portable - Playing NBA Live 09 and Winning Eleven

2. iPhone - It's first generation but it works great. Other than for calls and texting, I use it for music, games and watching shows on the MTR. Current playing Futurama Season 3 (I'm a big TV fan)

3. iMAC - I use it download stuff and watch shows. I'm currently watching 30 Rock. Tina Fey is simply brilliant and Alex Baldwin is at his best. Also all the big NBA games (Anything with the Lakers, Cavs or Heat).

4. Gym - It's great that my apartment has a gym available. I'm too lazy to actually have to travel to one. There's also a pool and I'm looking forward to using it come Summer.

5. Basketball - There's a huge basketball court (its actually 4 full courts) at the Southern playground in Wan Chai about 5 mins walk from my apartment. I've made a couple of friends playing there already. Downside is that it's always packed.

6. Church - Went to a nice church last week called Community Church Hong Kong. Will be trying out another church tomorrow and decide which one I want to attend regularly.

Panic button on Gmail

Ever sent a message on Gmail and then immediately wished you didn't? Or forgot to include the attachment?

Gmail just launched their new Undo Send function under Google Labs.

Magnificient

My favourite song from the new U2 album - No Line on the Horizon. U2 performing Magnificient on the Late Show with David Letterman.

This sums it all up

Ensuring Financial Success and Security

In this current economic climate, someone with good financial skillsets could potentially grow infinitely wealthly from all the possibly undervalued equities out there. Gone are the fundenmentals such as P/E ratio and book value. Market sentiment and greed/panic now drives our once (not so long ago) flourishing global economy.

If you however are not the next Warren Buffet or George Soros in the making, you can (and still) need to make the correct decisions to ensure financial success and security. That's where investments and insurance come in. Investments are primarily for wealth appreciation and staying ahead of inflation as the value of your savings get eroded over time. It is also important to look at it for milestones such as your retirement and children's education.

Insurance on the other hand, should be mainly viewed for protection purposes. To ensure that your family and loved ones will be well taken care off should anything (touch wood) unfortunate happen. You also need to look at general insurance such as medical, accident and hospitalization to help take care of the financial burdens that come with these negativities.

Still clueless? Check out HSBC's new guide to Investments and Insurance.

Amex Open Forum - Resource for small business owners

I was researching social media efforts by banks and financial institutions when I stumbled upon (pun intended) the Open Forum site by Amex.

A great resource for small business owners. I especially like the insightful article (comes complete with a pdf download and worksheet!) about how to better pitch your business to prospects and generally anyone you meet while networking.

Life in the fragrant harbour

It's been a month and a half since my move to Hong Kong. And I have decided to start making time to blog regularly again.

I'm writing this down so that I will stick to it. As opposed to 1 month ago when I pretty much made the same resolution. Or 3 months ago for the matter.

Heard an inspiring podcast by the hillsongs ministry about desires and decisions. Essentially, it's the decisions you make that bring you closer to your desires. To your goals.

And making a decision to lay on the couch with my remote won't bring me any closer to my goals for sure. Time to get up and get moving!

Crazy Japanese Game Shows

No one can outdo the Japanese (the Taiwanese are coming close) when it comes to crazy games shows which have contestants doing silly and usually hilarious stuff. Trust a Japanese automobile maker to incorporate it as a part of a marketing campaign.

Participants stand a chance to win a full year's use of a Mitsubishi Colt.

Check it out here

Love Should

There are many sappy love songs out there but none quite like this one. I sincerely believe its the most beautiful love song ever.

Here's a live version of Moby's Love Should:

Get $100 for free

I never thought I would even consider getting a credit card from Maybank but I guess some offers can be too tempting. No matter how shoddy the brand perception of the bank may be.

From now till 31 December 2008, simply apply for any Maybank Platinum Credit Card and you will get a S$100 cash credit to your card upon your first card spend within one month of receiving it. In addition, they are also throwing in a 10 year annual fee waiver just for good measure.

Talk about getting a card for life. More details here.

Tracking your time

Klok is a great time management tool for people working on projects. It allows you to track the number of hours you spend on various projects and is a great way to clock your time so that you know where it goes and how many man hours were actually spent. In a sense, it helps you to discern if your initial time estimations were correct and if a project required much more effort and resources than was initially planned for.

On a personal level, it can probably help students and project managers manage their limited time and resources on various equally challenging and time sensitive tasks.

You will need to first define all your projects/tasks on hand and then choose to either drag it into a calendar view (by week) in one hour blocks or enter in the specific time for each task.

However, I feel the best feature is dragging the project directly onto the top navigation "Currently working on" tab. This activates an actual timer that measures the time spent in real time. After you finish the project, you just click on "Stop" and Klok will record it down.

On a scehduled basis, you can then export your weekly timesheet and it will show on a daily basis, the time you have spend for each project in that particular week.

Download the program here.

Value investing

These are turbulent times in the market. With every possible bad scenario happening, the future of the financial markets look bleak and gloomy. Its at times like these, you really wonder if its even worth investing in the stock market and if you should really just cut your losses and keep your cash in a milo tin underneath your bed.

One of my favourite books (and I would never have thought this would be an enjoying read at all!) is Benjamin Graham's "The Intelligent Investor". Warren Buffett describes it as "by far the best book on investing ever written

The gist of the book can be summarize by the analogy of Mr. Market, an obliging fellow who turns up every day at the share holder's door offering to buy or sell his shares at a different price.

Often, the price quoted by Mr. Market seems plausible, but sometimes it is ridiculous. The investor is free to either agree with his quoted price and trade with him, or ignore him completely. Mr. Market doesn't mind this, and will be back the following day to quote another price.

The point of this anecdote is that the investor should not regard the whims of Mr. Market as a determining factor in the value of the shares the investor owns. He should profit from market folly rather than participate in it. The investor is advised to concentrate on the real life performance of his companies and receiving dividends, rather than be too concerned with Mr. Market's often irrational behaviour.

This is the concept of Value Investing. Not trading based on market sentiment but on companies and stocks that hold true value. Graham states certain rules and conditions that a company and stock must fulfill before it can be considered to be included as part of your value investing portfolio.

A definite must read for someone trying to figure out what to do in this current mess.

I heart Threadless

Threadless is possibly the OTHER best example of how community centered collaboration (That honor goes to Wikipedia) at the helm of web 2.0 is sparking new ideas and businesses especially in the E-Commerce front.

Members of the Threadless community (you can register to become a member) submit their t-shirt designs online and these designs are then subjected to a public vote. Designs that are popular (i.e. People like and would possibly buy them) are selected for printing and sold through their online store at www.threadless.com. Creators of the winning designs will receive a prize of cash and store credit. Basically, everyone wins.

A caveat though - The designs are printed in limited quantities (for all sizes) and the popular ones sell out quickly. If that happens, you can vote to have it reprinted and it enough votes are gathered (i.e. Enough people will buy the reprints), then that design will be reprinted.

These are 2 of my favourite Threadless T-shirts. And no, I don't have them yet because the size I want is perpetually sold out.

Fans of the old TV series would relate to this one, aptly titled "What would Macgyver do".



This one's called "The Beginning".

The legendary notebook of Hemingway

I've always wanted a Moleskin notebook. Its the coolest and most frivolous thing ever and extremely pricey for a notebook. Alicia, my partner in crime at work got me a Moleskine Sketchbook as a farewell gift (Yes, I've decided to take a leap of blind faith in these uncertain times). She figured that someone who was venturing into the creative field should look the part. Love it!

Check out the fuss at www.moleskin.com

More TV to watch

2 of my favourite shows are back.

Heroes Season 3 and Entourage Season 5. Time to get busy watching TV. Only its on my Mac. Ah, the perks of the Internet. Not having to wait 3 months for the show to come to Singapore.

How to be a millionaire

Trading common stocks can be a harrowing affair. The other option to grow your wealth is to look at Exchange Traded Funds (ETFs). The best ETFs in my opinion are those that track broad based indices like the S&P500. The S&P500 tracks the top 500 large cap companies in the U.S and is generally used to indicate the state of the U.S equity market. If you look at historical returns, the S&P500 has delivered between 8 to 12 % gains annually. Compound this over a period of 20 to 30 years and you've got pretty substantial returns.

The ETF that tracks this is the SPDRS TRUST SERIES 1 (Stock Ticker: SPY) and the investing formula is dollar cost averaging. Because this ETF tracks the entire U.S market, it is essentially neutral and by buying into this ETF at consistent points every year with a fixed amount of cash, you can ride out the ups and the downs. When the market is up, you buy less units. When its down, you buy more. The point is to consistently accumulated units year after year and the earlier you start, the better.



Using the historical market returns of the S&P500 (taking a safe compounding rate of 5%, an initial amount of US$10,000 with a yearly investment growth of 10% (i.e. the same time next year, I will use US$11,000 to purchase more units and US$12,100 the following year), I can look to accumulate US$1,043,003 in 21 years.

The only concern is that your investment is in U.S dollars so there are also foreign exchange risks to consider. There's a local equivalent, the Strait Times Index (STI) and you can look to purchase the STI ETF (Stock ticker: ES3.SI) with the same strategy above.

Report card: Chicane Live

To be honest, its quite a relief having finally caught Chicane Live. Having first heard him just before I went off to study in Oz, the Behind the Sun album has been one of my favorites ever since.

The Chivas event was jam packed with people and the queue opposite Clarke Quay stretched on for a couple of hundred meters.

However, it was definitely worth the wait. The show kicked off around midnight with a track from their new album - Bruised Water. Many familiar tracks were played - Offshore, Saltwater and Don't give it up.

But the best moment for me had to be when they did Halcyon live, using a mesh of track samplings, decks and am actual band playing the guitar and drums. Man, I've heard so this many times but never played this way before. It was awesome!

I didn't get any vids or pics at the event but here's a clip of how it was done:



My only gripe was that it was over too quickly.

Cool Kicks

I love basketball shoes and on Saturday, I dropped by Queensway Shopping mall and got myself a nice pair of Adidas Team Signature Lightswitch Gils. Part of a series of 20 designs, the Lightswitch Gils are fronted by Wizards guard Gilbert Arenas otherwise known as Agent Zero or Hibachi. I love that these shoes are low cut and in white/black.

They're supposed to be customizable and you can use the included dry erase marker to add cool graffiti on the shoe. Only mine didn't come with the damn marker. So much for buying shoes from Queensway. But I did get a 25% discount from the retail price.

Check out all the designs here

Avenue Q

Avenue Q is coming to town. Currently one of the hottest shows in the West End and on Broadway, Avenue Q is a fabulously furry and fun-filled romp featuring an ensemble of actors and some very adult-minded puppets.

It’s essentially ‘Sesame Street’ with a very grown up twist!

Tickets available at Sistic

Online Trading for dummies

The best online trading platform in Singapore as far as I'm concerned is DBS Vickers Online. The commission charges for online trades are reasonable (I am using U.S and Singapore market as a benchmark here) and Vickers has also got some pretty extensive market data, online tools, data and research all neatly packed into its high intuitive and user friendly trading platform.

Best of all, there are no custodian charges for U.S market stockholdings - which is something all the rest of the brokerage houses and banks charge.

Nuff said. Find out more or visit their branch at Level 2, PWC building at Cross Street to open an online trading account.

What's your point of view

I love golf and I love funny advertising. So when I first saw this a while ago, it made me crack up and I regularly revisit it just for laughs. From a marketer's perspective, this is truly a great branding campaign. HSBC's global advertising campaign was positioned along the lines of how different people had different points of view, and whatever it is, HSBC understands it and will work with you to meet your financial goals.

This ad is about how different people have different golf swings. And some of them are really just too funny.

View it on youtube here

Exchange Traded Funds (ETFs)

ETFs are really the way to go if you want to invest in an extremely flexible, transparent and cost efficient manner. They trade like shares on the stock market but are more diversified in nature like unit trusts.

Most fund managers that managed unit trust funds rarely manage to outperform the benchmark index. So in that case, why not just purchase the same components in that index. Hence the slow raging popularity of ETFs.

The enjoy high liquidity just like stocks, with low cost (low management fees and no sales charge - only brokerage commission). And there is typically an ETF for every index available in the market.

Some prime examples include the SPDRS Trust Series 1 (Ticker: SPDR) that trades in the U.S market. This ETF tracks the S&P 500 and holds the same component stocks in their respective quantums. Closer to home, there's the STI ETF (Ticker: ES3.SI) that tracks the STI Index.

Investing in ETFs is as simple as purchasing a stock and you can do it quickly and rather cheaply via online trading.

Click for more details on ETFs listed on SGX.

Mobile Mail

Fancy checking your email on the go? Singtel offers MobileM@il, a basic push-email service that enables users to send and receive emails on their mobile phones. Enjoy almost instantaneous email access while on the move and you can link multiple accounts - Singnet, Yahoo, Gmail, Hotmail etc.

This service used to be free (supported by advertising) but recently Singtel (as sneaky as they are) have started charging S$1.99 for monthly subscription plus the assorted data charges. Now, I'm considering if I should still keep this service.

Find out more here

Google Lanyard

I got this super cool lanyard when I attended an insightful banking and finance briefing by Google last week. The topic was on search marketing strategies and a whole bunch of banks, insurance companies and media agencies turned up.

They flashed the first slide of the powerpoint and the speaker went..."No worries, the slides for today's briefing are available in the thumb drive attached to your lanyard". How cool is that!

Free movie tickets every month

HSBC calls it an all in one banking programme to met your every financial need. I just like the card because on every first thursday of the month, I can sms in and get a free pair of Golden Village movie tickets for that month. Super or what?

Sign up here

Chicane's coming to town!

One of my favourite acts, Chicane is coming to Singapore courtesy of Chivas Live on 26 Sep at the now defunct River Valley Swimming Pool (opposite Clarke Quay).

I missed his gig in 2000 when I was studying in Australia due to exams and I must say I am very much looking forward to this. His music is a blend of progressive trance/ambient and tunes like Halcyon, No ordinary morning and Offshore are some of my favorite tracks.

Tickets available at www.chivaslive.com.sg.

Create your own Wordle

Wordle takes casual doodling onto a whole new level.

Paste a bunch of words into a textbox and Wordle instantly creates a "Word Cloud" layout for you. You can modify the layouts, fonts and colour schemes and if you have a web page or blog with an RSS feed, it can even create the word cloud directly from the page or blog (The example above is taken via a feed to this very blog).

Check it out here

Achmed the Dead Terrorist

Another one of my favorite comedians Jeff Dunham, is an American ventriloquist and stand-up comedian who uses puppets in his acts.

His usual puppets include a woozle named Peanut; a bitter old man named Walter; José Jalapeño, a talking jalapeño pepper on a stick; Achmed the Dead Terrorist; and an unusual superhero named Melvin. Check out the sample clip below:

Russell Peters Live!

Everyone's favorite comedian is coming to town! Russell Peters will perform live for 2 days on Nov 3 & 4 at the Rock auditorium at Suntec City.

Tickets available for booking online at Sistic.

Getting term insurance

As I've mentioned before, term insurance is possibly the cheapest way to get maximum protection without hefty premiums. Its more efficient as the premiums you pay go directly into getting maximum coverage unlike other investment linked or endownment plans.

The downside however, is the limited period or fixed term of the plan. However, most people get term insurance as a complimentary plan, alongside other whole-life insurance plans. They do well to give additional coverage during the most critical points in your life (young children still studying, aging parents etc).

For me as the quintessential Singapore male, the best term insurance has to be the SAF Group Insurance scheme underwritten by Aviva. For a mere S$81.20 a month or S$974.40 a year, I get S$400,000 coverage for term life and Total Permanent Disability and S$300,000 for Critical Illnesses.

To me, this is the ultimate form of peace of mind - Knowing that your dependents and loved ones will be well-taken care of should anything *touch wood* happen to you. Which is what insurance should be all about.

*A caveat though - Only Singaporean males who have served national service qualify for this. So, apologies to the ladies. But my take on term insurance applies nonetheless.

Petrol Saver

I carry 2 cards in my wallet most of the time. Actually, when I go to work, I carry a card case and a money clip so that there are no unsightly bulges in my pants. Don't want people to get the wrong idea. Oh and I digress...

The UOB One card is essentially used for all purchases, with the mindset of consolidating all my payments to qualify for the quarterly cash rebate. However, for petrol, the best card has got to be the DBS Esso Mastercard.



Along with the current station discount, this card will give you 10% on all fuel purchases at Esso and Mobil. Simply brilliant and if you think about it further, its an additional $15 savings (on top of station discount) for every $300 fuel purchase (my monthly average), a much better usage/reward yield than the UOB One card.

The One card

There are many credit cards available in Singapore and banks are offering a multitude of perks and offers to get people to sign up for yet another one.

The card that offers the best usage/reward yield has to be the UOB One Card. True to its name, the card encourages you to consolidate all your payments to it. The reward is simply a cash rebate credited back every 3 months to offset your credit card bill.

All you need to do is spend at least $300 a month on the card for 3 consecutive months and you will get a $30 cash rebate for that quarter. Spend $800 a month and you get $80 for that quarter.

A yield of 3.33% with no points or redemptions necessary. Its as simple as that!

Ever since its launch last year, I've swapped my previous main card of choice, the HSBC Platinum card (I believe in just using one or 2 cards regularly and consolidating my spend to get better rewards from the card issuers).

From a rewards perspective, the HSBC Platinum card then gave me the best yield ($20 Isetan voucher for just S$3,000 spent). I still keep the card as it offers free golf insurance.