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Hi there lingt, Yes this is definitely the place to discuss about this. After all, credit card payment is part of the consideration in the method of payment. Most IDs do not accept credit cards, due to the need to pay contractors/sub-contractors, suppliers etc. Some large IDs firms do accept but unless you are paying in one shot to earn massive points, it's generally not recommended as the accumulated interest rates just isn't worth it. For furniture and appliances, that's where the credit card comes in handy. Personally, IT and electricals shows are the best places to use your CC - earn points, get lucky draws, and some offer interest-free installments. Just note that when using interest-free installments, the CC gets locked down by the full payment (especially when the payment is huge) until much of the payment is made. Use a CC that you seldom use (i.e. not used for monthly payments, groceries, etc) if going for interest-free installments. As to what CC to use, every card has its own strengths and weakness. But I generally agree with your options posted, esp part 3... the best way to earn mileage is really to travel a lot - no other method earns more than that! Here are some suggested CCs: Maybank Family and Friends - no annual charges, easy to earn cashback, and every now and then have tie up discounts with online merchants. UOB One - Used to be truly the ONE card that is useful for everything. Now not so much... but it's still giving up to 3.33% rebate if you hit $1500 per month over three months, giving back $150 on the fourth month. Manhattan - Offers a higher rebate at the fourth month ($200), but like you said the tier system is quite confusing. However, if you intend to make 1 or 2 big purchases then consider using this CC and earn that top tier rebate.

While I did not opt in to it, the OCS component for flooring of a 5rm BTO was quoted as $6100, although that was in 2012. So agree with McMoo that we should try to find quotations somewhere along 7-8k, with assumptions that only the price of screed doubled but not the tiles themselves. Seriously, shouldn't price of a pack of pre-packed screed be standardised? And as for labor, doesn't all involved in tiling works go through the same course in BCA?

Hi keljo, Been asking the same questions too and have come to the conclusion that there really isn't any fixed "reasonable" budget, simply because what is reasonable to one may not be to another. A better gauge would be taking the bare minimum of 20k, based off a id company offering a package of $13,888, and decide how much you would want to go from there. Don't forget to factor in the cost of furnishings and many other costs involving your new born. All the best and an advance congratulations to your SG50 baby!