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There’s a new app that lets Singapore’s shoppers pay for all kinds of things in installments. Launched by a local fintech startup this week, the Atome SG app enables both online and offline shoppers to purchase items in monthly installments over three months without interest. The mobile checkout app has so far linked up to around 500 merchants, including local fashion retailer Playdress, True Fitness, and retail brands under the Primer Group, which include BratPack and Dr. Martens. App users can either scan a QR code at physical shops or choose the Atome payment option when they check out on participating merchants online. “The way people shop has irreversibly changed. Retail has irreversibly changed. The shift towards online began before COVID-19 but this has now been accelerated. Businesses have to adapt quickly and find new sources of revenue and new ways to serve existing as well as new customers,” CEO David Chen said in a news release. The app is similar to others that have already launched in other countries, such as Affirm, AfterPay, and Klarna. Australia’s AfterPay reportedly has more than 8 million users from around the world, mostly millennials or Gen Z shoppers. Amid a global financial crisis, it seems like obtaining new items without having to pay fully right away could be a tempting option.

hi, i want share some tips to rent out a flat my own experience. - don't rush to rent out your flat. even a central location flat that walkin to mrt station under shelter in 5 min, could be take 6-9 months or more to get a good tenant. - don't judge the tenant by their profession, nationality, personal status, etc. many people think local people could be less problem of payment, cooperation, etc compare other nationality. many people think have single's tenant is much better than a family that have young kids. dirty place can be somehow clean up with relative small cost but damage place definitely need more cost. - don't shy/ shame to have more than 10-20 pages of lease agreement. make sure the lease agreement written in clear, simple, plain, readable or understandable by common people for each rules/ conditions. do not thinking, it is a standard/ common sense thing. what you think it is standard/ common sense thing maybe not for other people. - be open and straight forward in the begining of the deal, before accept the downpayment. make sure every thing been said have writeen in the lease agreement in simple, plain and understandable english sentence. be open or honest that this agreement is a pure/ 100% business transaction and not something like charity/ non profit/ mercy relief organization, where you can accept a-z, incredible, touching story (just assume it is a real story) of what ever. please don't get anything wrong/ feel shy/ shame about it in the first place, because some tenant think, they are dealing with charity/ non profit/ mercy relief organization instead of normal individual owner. - don't shy/ shame to ask tenant lifestyle/ comfortable level. again, don't judge the tenant by their profession, nationality, personal status, etc. be mature and straight forward that the rent cost is this price for this location/ place. i believe and sure for same available bedroom no. the rent price will be different whether it is 5 or 50 minutes walk to mrt or whether it is central or outside central. because some people have/ used to a very high lifestyle/ comfortable level but with normal earning level. and to achieve that very high lifestyle/ comfortable level, these people will try anything from a-z, incredible, touching story (just assume it is a real story) for excuse of their defence. again, please don't get anything wrong/ feel shy/ shame about it in the first place, - terms of late payment should be as clear as possible. don't shy/ shame to put in clear, simple, plain and understandable english sentence for late payment terms. is it ok if every month payment late more than 10 working days? if payment late than 10 working day, tenant paid the late interest, than when should be the tenant pay for the remaining months. is it ok if every month tenant paid the late interest payment? if the payment due on 1st day of the month, is that mean you will receive the money of that day, or the tenant will take out the money on that day but landlord received 1-3 days later (something like bank transfer/ auto giro/ post/ etc) sad to be hear/ know, something like this people will think/ say "late 1-3 day, you already not happy". to be honest and mature, can you say every month "late 1-3 day, you already not happy" to your car/ flat/ credit card loan person in charge? - be clear about how many bedroom available. if you have 1 bedroom locked, don't shy/ shame to put in clear, simple, plain and understandable english sentence in lease agreement, that the room available is exclude that locked bedroom. don't shy/ shame to put in clear, simple, plain and understandable english sentence in lease agreement, more detail that any kind/ situation, partition to make additional bedroom is not allowed for what ever reason. - be clear about how many percentage that the flat will be use as home, home office, bedrooms and bathrooms only, etc don't shy/ shame to ask this question and write it in clear, simple, plain and understandable english sentence in lease agreemen. do you care if your flat from previously a normal place for living become a pure bedroom and bathrooms only. - don't shy/ shame to share your expectation to rent out a flat. if you expect, a family who will live as a normal family, need kitchen, need living room, need dining room, etc, please stick firm to that expectation. if you expect, any people will do, maybe no need kitchen, no need living room, no need dining room, etc, you can do that too. - be clear about how many average people will visit or just come in and come out in a week. don't shy/ shame to ask this question and write it in clear, simple, plain and understandable english sentence in lease agreemen. do you want about 10-30 different peoples each week in average visit your flat? because some neighbor with young kids feel not comfortable about so many different people come in and out/ by pass their corridor daily. i hope my experience can help many landlord to get a good tenant.

Hi Reno-gurus. My reno is sort of "complete" i have only made 10% of the total quoted price to the contractor he was busy so did not reply me after the job is "complete" my question is Any complications for us if the contractor did not ask for payment due to his work schedule? We paid for cleaning services after the reno but is badly cleaned - hence we have to perform the cleaning by ourselves all over again - what should we do for this? Reno works not done properly, cracks on walls found (more than 300cm long, 1-2mm thick), tiles got dented all over - what should we do for this? Any recommendations? We have already proceeded to move in as numerous of extensions given yet contractor failed to do a proper job. TYVM

Dear All, I am seeking quote to mainly do carpentry work for the kitchen, living & bed rooms. I wish to understand if the following payment terms and conditions are normal and acceptable? The way I look at it is the ID has already collected 90% of the payment after the cabinet measurement. The ID explained that his carpenter will demand payment to buy the material before starting the carpentry work. Do you think this is fair? What are the payment terms that your ID laid out? Thanks. 1 Upon signing up this contract 15%2 Upon commencement of works 40%3 Upon measurement of carpentry work 35%4 On completion of works 10% N.B Compensation of 30% would be expected for any cancellation after signing the contract.We hereby agree and confirm acceptance of the price, layout terms and conditions statedabove by signing on the space provided below- by a 1st time home buyer