The See-Sawing COE Premium: Just a Prelude to Further Hikes?Since the new COE quota system was put in place in August, the COE premiums while surging at first took a drastic tumble. Some industry players reckoned that this pattern will be continuing in the near future. For those who are planning to purchase a new car, are there better opportunities ahead? Despite the intended cut in vehicle growth being phased-in in stages, COE quotas have dropped significantly. Are we going to see even fewer cars hitting the road next year? For those who really need to buy a car, which are the cars that are the most cost effective in the long-term?Financial Planning 101: Interest-bearing Loan RepaymentIs it wise to use CPF savings for the partial repayment of a home loan since the interest rate of the housing loan is lower than the interest rate CPF pays for savings in its accounts? For a new graduate to repay a study loan, should he repay the full loan amount before the bank starts charging interest on the loan, or is repayment in monthly installments over the next five years a more viable option?