Receive a $300 cash reward for new cardholders

Get the most value from your credit card application when you apply for a card this month.

From 5 to 31 October 2020, you will get $300 cash reward or a brand new Apple AirPods Pro (worth $379) when you apply for any of the selected credit cards below. Existing cardholders will receive $30 cash. Simply make 1 spend of any amount to activate the offer.

The $300 cash reward will be fulfilled via PayNow:

Choose from any of the credit cards below:

Citi Rewards Card

The Citi Rewards Card is a must-have card for those who always shop online using credit cards. Imagine earning 10X Rewards^ (4 Miles) for every S$1 spent online each time you shop.

• Enjoy 10X Rewards^ (4 Miles) on online and retail purchases at Lazada, Qoo10, TANGS and more.
• Earn 10X Rewards* (4 Miles) on rides with Grab, ComfortDelGro, Gojek and more
• Earn 10X Rewards^ (4 Miles) on online food delivery
• Earn 10X Rewards^ (4 Miles) on online groceries

Earn 1X Reward on all other spend.

What’s more, you stand to receive up to 30,000 Citi ThankYou Points as welcome gift when you spend S$3,000 in the first 3 months. Citi ThankYou Points can be used to redeem for cash rebate, shopping vouchers, and rewards points. You can convert points from Citi ThankYou Points to Singapore KrisFlyer at a 5:2 ratio – which means you get about 12,000 miles free!

Citi Cash Back Card

Keep this card in your wallet. The Citi Cash Back Card is one of the best cash back card in the market, offering a whopping 8% cash back on your Dining, Groceries and Petrol daily, worldwide. Subject to cash back cap of S$25 per category per statement month with a min. spend of S$888 per statement month.

Imagine this: every $1,000 spends get you $80 cash back in a month. That works out to be almost a thousand dollar of cash savings in a year!

Citi Cash Back+ Mastercard® 

Not to be confused with the Cash Back Card, the Citi Cash Back+ Mastercard® is a new product launched by Citibank this year which offers a competitive 1.6% cashback on all spend categories with no cap and no minimum spend. In other words, you can accumulate as much cashback as you want each time you swipe you card. It does not expires and you can redeem it instantly on-the-go with Citi Pay with Points or for cash rebate via SMS.

Citi PremierMiles Card

Earn your miles faster with one of the best cards for your travel needs. The Citi PremierMiles Card lets you redeem from the widest range of airlines, where 1 Citi Mile = 1 Mile, with KrisFlyer, Asia Miles, Qantas, Qatar, Flying Blue, and more.  With no caps on miles earned, redeem your miles for flights, hotels and merchandises. You can also receive up to 37,300 bonus miles as welcome gift when you choose to pay the annual fees.

1. Earn 1.2 miles for every S$1 spent on all your eligible purchases with your Card
2. Earn 2 miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases
3. Complimentary access to over 600 airport VIP lounges twice per calendar year with Personalised Priority Pass membership card. Priority Pass membership is on application basis and reserved for Principal cardholders only.

Citi Prestige Card

Citi Prestige Card is a premium credit card that offers benefits such as travel, dining and lifestyle privileges. Being a Citi Prestige Cardmember means you get access to offers handpicked for you to ensure you get the most unforgettable experiences.

• Earn 3.25 Citi Dollars (or 1.3 miles) per S$1 local spend and 5 Citi Dollars (or 2 miles) per $1 overseas spend.
• Enjoy unlimited complimentary access to over hundreds of VIP airport lounges for primary cardmembers and one accompanying guest. One complimentary night at any hotel of your choice with a booking of at least 4 consecutive night stay.
• Enjoy 2 complimentary airport limousine transfers per quarter with a minimum spend of S$20,000 within the same quarter. Terms and Conditions apply.

Receive a Welcome Gift of 62,500 Citi ThankYou Points (or 25,000 Citi Miles) when you apply for the card, subject to annual fee payment.

Important information on APR/Fees

Fees
Annual fee for all cards: S$192.60 (First Year Waiver)

*Note: The Citi Prestige Card has an annual fee of S$535.00 which cannot be waived.

Foreign Currency Transaction Fee: 3.25%

Repayment
Minimum Payment: 1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.
Late payment charge: S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases: 26.9%
Interest On Cash Advance: 28.0%
Interest Free Repayment Period: 25 Days

Free Apple AirPods Pro (worth $379) when you apply for these credit cards from now till *31 October 2020

The post Get $300 Cash Reward or Apple AirPods Pro When You Apply For The Following Credit Cards appeared first on MoneyDigest.sg.

* Due to popular demand, this promotion has been extended till 31 October 2020

Get a free set of Apple AirPods Pro worth $379 when you apply for any of the selected credit cards from now till 31 October 2020*. This is really attractive because there is:

• No holding period (Don’t need to keep the card for X months to qualify)
• No limit to the number of AirPods to be given away (Everyone who apply will get it)

To redeem your free AirPods Pro, simply be a new-to-bank customer to apply for any of the Citi Credit Cards mentioned below. If you already have an AirPods Pro, you can choose a cash gift of $300. Existing cardholders will get S$30 cash via PayNow.

To activate the offer, make any transaction of any amount once you received the card. For more FAQs on rewards redemption, click here.

Choose from any of the 5 Citi Credit Cards below:

Citi Rewards Card

The Citi Rewards Card is a must-have card for those who always shop online using credit cards. Imagine earning 10X Rewards^ (4 Miles) for every S$1 spent online each time you shop.

• Enjoy 10X Rewards^ (4 Miles) on online and retail purchases at Lazada, Qoo10, TANGS and more.
• Earn 10X Rewards* (4 Miles) on rides with Grab, ComfortDelGro, Gojek and more
• Earn 10X Rewards^ (4 Miles) on online food delivery
• Earn 10X Rewards^ (4 Miles) on online groceries

Earn 1X Reward on all other spend.

What’s more, you stand to receive up to 30,000 Citi ThankYou Points as welcome gift when you spend S$3,000 in the first 3 months. Citi ThankYou Points can be used to redeem for cash rebate, shopping vouchers, and rewards points. You can convert points from Citi ThankYou Points to Singapore KrisFlyer at a 5:2 ratio – which means you get about 12,000 miles free!

Citi Cash Back Card

Keep this card in your wallet. The Citi Cash Back Card is one of the best cash back card in the market, offering a whopping 8% cash back on your Dining, Groceries and Petrol daily, worldwide. Subject to cash back cap of S$25 per category per statement month with a min. spend of S$888 per statement month.

Imagine this: every $1,000 spends get you $80 cash back in a month. That works out to be almost a thousand dollar of cash savings in a year!

Citi Cash Back+ Mastercard® 

Not to be confused with the Cash Back Card, the Citi Cash Back+ Mastercard® is a new product launched by Citibank this year which offers a competitive 1.6% cashback on all spend categories with no cap and no minimum spend. In other words, you can accumulate as much cashback as you want each time you swipe you card. It does not expires and you can redeem it instantly on-the-go with Citi Pay with Points or for cash rebate via SMS.

*Editor’s note: On Citibank’s website, they have a welcome offer that provides an additional 2.9% cashback (total 4.5%) but that is only valid for 3 months and the Bonus Cash Back Amount is capped at S$145. Applicants who apply via SingSaver will get a set of free AirPods Pro (worth $379) with no minimum spend and no lock in period requirement which is a better deal in our opinion.

Citi PremierMiles Card

Earn your miles faster with one of the best cards for your travel needs. The Citi PremierMiles Card lets you redeem from the widest range of airlines, where 1 Citi Mile = 1 Mile, with KrisFlyer, Asia Miles, Qantas, Qatar, Flying Blue, and more.  With no caps on miles earned, redeem your miles for flights, hotels and merchandises. You can also receive up to 37,300 bonus miles as welcome gift when you choose to pay the annual fees.

1. 1. Earn 1.2 miles for every S$1 spent on all your eligible purchases with your Card
   2. Earn 2 miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases
   3. Complimentary access to over 600 airport VIP lounges twice per calendar year with Personalised Priority Pass membership card. Priority Pass membership is on application basis and reserved for Principal cardholders only.

Citi Prestige Card

Citi Prestige Card is a premium credit card that offers benefits such as travel, dining and lifestyle privileges. Being a Citi Prestige Cardmember means you get access to offers handpicked for you to ensure you get the most unforgettable experiences.

• Earn 3.25 Citi Dollars (or 1.3 miles) per S$1 local spend and 5 Citi Dollars (or 2 miles) per $1 overseas spend.
• Enjoy unlimited complimentary access to over hundreds of VIP airport lounges for primary cardmembers and one accompanying guest. One complimentary night at any hotel of your choice with a booking of at least 4 consecutive night stay.
• Enjoy 2 complimentary airport limousine transfers per quarter with a minimum spend of S$20,000 within the same quarter. Terms and Conditions apply.

Receive a Welcome Gift of 62,500 Citi ThankYou Points (or 25,000 Citi Miles) when you apply for the card, subject to annual fee payment.

Here’s how to redeem your rewards:

1. Search for any of the cards that matches your spending habits
2. Click on Apply Now and fill in your email address (SingSaver will be sending the redemption instructions here)
3. Complete the application form from the bank and remember to take a screenshot so you can take note of the application reference number
4. Once your card is approved, check your email inbox for the reward redemption instructions from SingSaver (don’t forget to check  junk/spam inbox too)
5. Sign up for an account on SingSaver’s website to access the redemption form
6. Fill up the form with the application reference number and you are good to go!

For redemption follow-ups and enquiries, drop an email to info@singsaver.com.sg

Important information on APR/Fees

Fees
Annual fee for all cards: S$192.60 (First Year Waiver)

*Note: The Citi Prestige Card has an annual fee of S$535.00 which cannot be waived.

Foreign Currency Transaction Fee: 3.25%

Repayment
Minimum Payment: 1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.
Late payment charge: S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases: 26.9%
Interest On Cash Advance: 28.0%
Interest Free Repayment Period: 25 Days

The post Free Apple AirPods Pro (worth $379) when you apply for these credit cards from now till *31 October 2020 appeared first on MoneyDigest.sg.

Collect all 6 designs

There are more reasons to shop at 7-Eleven as Korea’s beloved Kakao Friends make their appearance in Singapore in the form of adorable ceramic plates.

Kakao Friends are cute cartoon characters based on the popular Korean’s messaging app, KakaoTalk.

7-Eleven Singapore will be offering 6 different Kakao Friends ceramic plates for redemption starting 28 October through 29 December 2020.

Fans can get a stamp for every $5 spend at 7-Eleven and can redeem a plate with 5 stamps plus a $7.90 top-up. Customer can also redeem the plate for free with every 20 stamps collected.

Each customer will receive a pack that is randomly selected, and it is non-exchangeable.

Transactions involving items such as cigarettes, parking coupons, bill payments and top-up services, lottery sales, pre-orders, food delivery app orders, and figuring redemptions with a cash top-up do not qualify for stamp collection.

You can check out the designs below:

Ready to collect them all?

The post Kakao Friends ceramic plates available for redemption at 7-Eleven S’pore from 28 Oct – 29 Dec 20 appeared first on MoneyDigest.sg.

Bite into the best deals with StarHub Snapping Saturday! Get 100g of Famous Amos cookies at just $1 in any flavour of your choice.⁣
⁣
Simply log in to My StarHub app > “Rewards” > “Snapping Saturday” to redeem this treat from Saturday, 24 October 10am. Platinum members get early access from 9am.⁣
⁣
It’s fastest fingers first, so act fast!⁣

Terms & Conditions

• Limited to the first 5,000 redemptions, while stocks last.
• Customers must redeem the rewards at the above locations by 27 Nov 2020.
• Each customer shall be limited to 1 redemption and for takeaway only.
• Customer can choose from these flavours; No Nut Chocolate Chip / Chocolate Chip with Pecan / Oatmeal Raisin / Butterscotch Chip with Pecan
• Not valid with other promotions, offers, privileges, discounts, vouchers and sale items.
• Reward e-Voucher cannot be exchanged for cash or other benefits and cannot be used in conjunction with other promotions, offers, privileges, discounts, vouchers, loyalty programs or privilege cards unless otherwise authorized by StarHub.
• Other terms and conditions apply. StarHub reserves the right to amend the Terms & Conditions herein at its own discretion, without prior notice.
• By redeeming or participating, you agree to StarHub collecting, using and disclosing your personal data provided to us from time to time, including receiving calls and SMSes via your Singapore telephone numbers that you have provided, for the purposes described as “StarHub Additional Purposes” in StarHub’s Data Protection Policy.
• StarHub reserves the right to cancel the event without notice and liability.
• In addition to these terms and conditions, StarHub’s prevailing Consumer General Terms & Conditions & Service Specific Terms & Conditions for Rewards available at www.starhub.com shall apply.
• Other terms and conditions apply.

The post $1 Famous Amos Cookies for StarHub Mobile, TV and Broadband on 24 Oct 20 appeared first on MoneyDigest.sg.

Participating brands: Detense ArcticSilk, Four Star Tencel, Chiro Series, Heritage, Superior Series and Kids Peadic series.

Enjoy huge discount & savings as you can find all Four Star premium mattress series priced like never before. It’s Everything on Sale!

• Up to 70% OFF for all Four Star premium mattress series.
• FREE upgrade to Storage bed with min. purchase of $1000 for a mattress. Selected models only.
• 50% OFF for all designer bed frames.

Plus, enjoy more our benefits:

• Mattresses up to 15 Year Warranty!
• FREE Taxi claim upon checkout!
• Price inclusive GST!
• 0% Interest Instalment Plan up to 12* Months!
• Ready Stock! For Immediate delivery.

So hurry! Visit their Flagship gallery to find out more this week! While stock lasts!

 Four Star Flagship Gallery

• 44 Kallang Place, Level 1
• Four Star Building
• Singapore 339172
•  Operating hours: 11am – 8pm (Daily)
• Call/WhatApps 9234 4442

Follow & like Four Star Facebook: SGFourStar
Find out more – www.fourstar.com.sg

*T&C Applies

The post Four Star Mattress BrandFest 2020. Premium Mattress series at up to 70% OFF. 23 – 25 Oct. Last 3 Days! appeared first on MoneyDigest.sg.

Are you surviving the gloomy and wet Thursday morning? FairPrice is here to brighten up your day with “Buy 2 For The Price of 1” deals. Yes, you read that right. It’s 1-for-1 deals you don’t want to miss!

We will start by showing you some 1-for-1 items, followed by the must-buy items, and weekly saver deals at FairPrice this week. Stay with us!

#1: Maggi 2-Minute Instant Noodles – Curry

Sale Price: 2 for S$2.20

Usual Price: S$2.20 each

Savings: S$2.20

Just a few days back, I added some frozen clams to my pot of curry noodles and WOAH. It was an upgraded taste I can’t put it to words how good it was. Why don’t you try it and let us know what you think? Those who don’t fancy curry and try other flavours – chicken, asam laksa, tom yum, and kari letup.

#2: Canland Canned Soup – Shiitake Mushroom

Sale Price: 2 for S$1.65

Usual Price: S$1.65 each

Savings: S$1.65

No Campbell’s soup but hey, we’re talking about a can of shitake mushroom soup for just $0.83! Each can has only 141 calories so it isn’t that bad for the diet. For a lesser calorie option, you can try the sweet corn flavour. It has only 123 calories! In case you’re wondering, Canland is a product of Thailand.

#3: Golden Boronia Nougat – Original (Soft)

Sale Price: 2 for S$6.50

Usual Price: S$6.50 each

Savings: S$6.50

Do you like your nougats soft or crunchy? I’m a fan of the soft nougat series because they are much easier to chew and easy on the teeth. But if you’re all up for crunchy nougats, click through the link to buy. Try pairing the bite-sized snack with a cup of coffee or as an ice cream topping! Both the soft and crunchy series contain more than 50% nuts and will leave you craving for more.

Before we move on to the must-buy items and weekly saver deals, here’s a look at the other 1-for-1 items at FairPrice this week.

Other buy-1-get-1-free deals from 22 – 28 October 2020

#4: Haagen-Dazs Ice Cream – Rum & Raisin

Sale Price: 2 for S$19.90

Usual Price: S$14.50 each

Savings: S$9.10

Moving on to this week’s must-buy items… we have Häagen-Dazs back with us again! Seems like Ben & Jerry’s and Häagen-Dazs are taking turns to promote themselves at FairPrice. Anyway, consumers like us get to benefit from the ongoing promotions! Buy 2 for S$19.90 and save S$9.10 this week. Don’t forget to run or walk off the calories after the indulgence.

#5: Nestle Cereal – Koko Krunch

Sale Price: S$4.75

Usual Price: S$5.65 each

Savings: S$0.90

Mums and dads, it’s okay to want to take a break from making daily breakfast for the kids. Grab a pack of Nestle Cereal in assorted flavours for the children and ease off cooking this week. Koko Krunch contains a great chocolatey taste and now comes with higher amounts of whole grains! Other flavours include Cookie Crisp, Honey Stars, and Milo.

#6: Magiclean Floor Cleaner – Hokkaido Spring

Sale Price: 2 for S$9.95

Usual Price: S$5.95 each

Savings: S$1.95

We’re not sure when Singapore and Japan will establish a travel bubble. But Magiclean will aid us in getting the senses of Japan into our homes with its Hokkaido Spring floor cleaner for now. And of course, we’re not just buying it for the scent. The product is able to kill 99.9% of bacteria and helps remove oil stains and grease up to 4x more effectively!

Other must-buy items from 22 – 28 October 2020

Save more with FairPrice’s weekly saver deals till 28 October 2020

The post FairPrice: 1-for-1 deals + save up to 40% with must-buy items from 22 – 28 October 2020 appeared first on MoneyDigest.sg.

Warning: major discounts ahead!

There’s no better time to get massive savings on your sports apparels.

LINK, a multi-label outlet store, will be running a warehouse sale in their headquarter located in Redhill. From 28 October – 1 November, customers can score great deals on branded sporting shoes, bags, apparels and accessories.

Shop a wide range of sportswear, performance clothing and running shoes from brands such as Adidas, Under Armour, Nike, Puma, Saucony, New Balance and many more.

• Date: 28 Oct – 1 Nov 2020 (Wed – Sun)
• Location: 7 Chang Charn Road, Singapore 159636 (Nearest MRT: Redhill)
• Time:  11am – 7pm
• Google map link: tinyurl.com/7ChangCharn

The post Warehouse Sale in Redhill has up to 80% off branded shoes, bags, accessories & more (28 Oct – 1 Nov 20) appeared first on MoneyDigest.sg.

DEFINITION

Sleep training refers to the methods that parents or caregivers use to adjust their child’s sleeping behaviors. Sleep training helps your child to fall asleep with little to no help from you. It also teaches the child how to fall back to sleep when he or she wakes up overnight.

Experts recommend to start sleep training when babies are 4 to 6 months old. This crucial period is when babies are able to last for six to eight hours overnight without needing to be fed.

COMMON METHODS USED

Parents use different methods to train their babies to fall asleep. Here are some of the efficient ways that you can apply on your home. Let us start with the Cry It Out Method.

The Cry It Out Method involves putting your child to bed and letting him until he dozes off. It is also called the extinction method as it entails letting your child fall asleep without any comfort or help from you. You need to ensure that your baby was put to bed with a full stomach and in a safe sleeping environment.

It is the most controversial sleep training method as it may seem harsh. If it works for your child and his developmental stage, do it. Consistency is the key. Your baby should begin falling asleep on his own within day four, give or take.

The next method is called the Ferber Method. If you are not a fan of letting your baby weep for hours, you may employ the graduated extinction or check-and-console sleep training or the Ferber Method. It allows your child to cry for a period of time before checking up on him. These timed intervals get longer by a few minutes within each interval until the baby falls asleep.

Image Credits: pixabay.com

Reassure your child with statements such as: “Mommy loves you” or “I will pat you”. You will gradually reduce your presence in your baby’s room until there is no need for constant comfort check-ins. Eventually, your child will learn how to self-soothe.

The Chair Method is an interesting method as it works for older babies. Sit in a chair next to your baby’s crib until he falls asleep. Do not pick him up. Move the chair farther away each night until you are near the door. At some point, your baby will be able to fall asleep without you being there. Out of sight, out of mind.

The Bedtime Routine Method involves creating a routine that will ease your child’s mind and prepare his body for quality sleep. Include soothing techniques such as reading books, singing lullabies, and warm baths. Steer away from stimulating items such as electronics and loud toys. Following a consistent routine can help your child develop an internal body clock.

The last method is called the Pick Up & Put Down Method. It refers to putting down your baby to bed drowsy, but awake. When and if he cries, wait for a few minutes and see if he settles down by himself. If not, you may go inside the room to pick your baby up and soothe him. You may put the baby back to the crib or the bassinet when he calms down. Repeat the process until your child falls asleep. This method requires a great deal of patience.

CONCLUSION

Sleep training helps your child to fall asleep with little to no help from you. It is recommended to start it when your child turns 4 months old. There are different methods that you can employ to train your child to fall asleep. It is important to do your research or talk to your doctor during the process of sleep training. This will help you find a method that will best suit your child’s needs.

Sources: 1 & 2

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Heard about the chance to win a new family car with Ka in the Ka car hunt? Well, the new car has been won in just 5 days! But here’s the good news. While there’s no longer a car to win, the Ka car hunt will continue with some attractive cash prizes of up to $25,000 to be won.

That’s right, you didn’t misread it. Ka is extending the island wide car hunt to give you the chance to win some cash prizes. The Ka Car Hunt is happening right now between 15^th October 2020 and 13^th November 2020.

What Is Ka?

The Ka brand is a suite of laundry products specially designed with advanced Japanese technology for a concentrated washing effect to help keep your family safe.

Formulated in Japan, the Ka 3in1 Laundry Capsule is the perfect tool that households need. For time-starved families or individuals, Ka lets you wash your laundry perfectly. Plus, each Laundry Capsule has its load optimised so you don’t have to worry about how much detergent you need anymore.

What’s Happening: Ka Car Hunt

Ka is extending its original Ka Car Hunt with some attractive cash prizes of up to $25,000 to be won. This makes it the perfect way for you and your family to spend some bonding time while you embark on a car hunt for the cash prizes.

How To Join The Ka Car Hunt With Your Family?

1. Finding The Ka Key

The first thing for you is to find the car key (aka Ka Key). All you have to do is to purchase the Ka 3in1 52-pack Laundry Capsules (either Universal or Colour) from any FairPrice outlet or online at FairPrice.  There are a total of 1,000 Ka Keys packed into 1,000 tubs of Ka 3in1 52-pack laundry capsules.

Make sure you add Ka 3in1 52-pack Laundry Capsules to your shopping list for next grocery shopping with your family. This will add a fun new twist to your weekly grocery shopping trip!

2. Found The Ka Keys? Now Find The Car

The location of the car remains a mystery and you need to decipher clues to help you locate the mystery car. Clues on the car’s location will be shared on social media, so stay tuned to Ka’s Instagram or Facebook page!

3. Head To The Car, Unlock It And Win It

Think you solved the mystery car’s location? Head over right away with your family with the Ka Key to trigger the winning sequence of the mystery car. But time is of essence, so you better be quick because the car changes location every 2 days.

What’s The Cash Prize That You Stand To Win?

From 23rd October 2020 to 13th November 2020, look out for clues every 48 hours on Ka’s social media. If you find the mystery car with your Ka Key, the cash is yours to keep. You can win up to $25,000 cash in this bonus round!

Kicking things off, you will be able to win $5,000 if you solve the mystery car’s location with the first clue. Subsequent clues are valued at $2,000. If the mystery car location is not found within 2 days, it will be moved to the next location and the cash gets snowballed to the next clue. If someone finds the mystery car’s location, the cash up for grabs for the subsequent clue returns to its original value of $2,000. So, start your car hunt early!

If you find the Ka Key but didn’t manage to unlock the car in time, you will still be able to redeem a gift pack from Ka. All you have to do is to take a selfie with your Ka Key! Then share it with #KaCarHunt on Facebook or Instagram. Redemption details will be shared once the campaign concludes.

Stand A Better Chance To Winning With Ka’s Promotion That Ends In 6 Days!

In addition, Ka is currently offering a promotional price for its Ka 3in1 Laundry Capsules at FairPrice. Instead of the usual price of $59.80, 2 tubs of Ka 3in1 52-pack will be sold for only $38.90. The promotion will last from 15th October 2020 to 28th October 2020, which means you have another 6 days to snap up Ka 3in1 Laundry Capsules at a discounted rate.

Make sure to grab them before they run out and before the promotion ends in 6 days!

The post Want To Win Up To $25,000 Cash Prizes While You Win At Laundry? Here’s How. appeared first on MoneyDigest.sg.

While it may appear so, your house can be a dangerous place. You’ve likely faced one of these problems—water leaking, electric malfunction, or the worst of them all, invisible gas leaking. When these things happen, you’ll have to react quickly to prevent further damage or even more dangerous complications.

Let’s not forget burglary, which is continuously rising around the world. In fact, the F.B.I stated in 2018 that there’s a burglary every 25.7 seconds in the United States. Whatever happens, from accidents to break-ins, the aftermath will cost you a lot.

If you don’t want to put out fires constantly, you should prepare your home in advance. In this case, the old saying “Better safe than sorry” fits perfectly. 

Thankfully, we live in a time when you can prevent this with some elegant solutions.

Smart Home is a Safe Home

There are many products designed to protect your home in various situations. They vary in quality and price. However, the best home security system needs to have these features:

• Outstanding customer service
• Smoke and CO monitoring
• Easy to use equipment
•  User-friendly mobile app
• High-end technology
• Customizable plan
• Door, window, and movement sensors

Moreover, great price, no contract, and additional options are an advantage. However, don’t settle for less and do your research before installing anything. After all, it’s your property we’re talking about.

How Does a Security System Work?

A smart home security system connects to your Wi-Fi network and other internal networks, enabling you to control security devices using your smartphone with an app. You’ll be notified if any anomaly occurs, such as movement, the opening of the doors and windows, and so on.

Depending on the package you purchase, you may have additional options such as: 

• Remote door lock
• Garage doors openers
• Surveillance
• Lights
• Gas leakage
• Water sensors

Regarding window and doors sensors, they work on Z-Wave or Zigbee technology due to their low power consumption. On the other hand, security cameras use a Wi-Fi network that has better bandwidth, thus providing better video streaming. Quality security systems have both, and both can be set up to a customized setting.

Settings Customization

Regarding security systems, you can set up triggered reactions/rules for certain events, such as unlocking the doors if smoke or gas is detected or recording the video with a camera if the sensors identify movement.

You can choose between systems that store the recordings on the SD card, to a cloud, or the combination of both. On your app, you’ll be able to control the command center, create rules, receive notifications when the alarm is triggered, lock and unlock the doors, set up thermostat temperature, and even watch live and recorded videos.

Some systems come with a panel, usually fixed on the wall, that allows you to manage everything from there, as you would from your phone.

Budget-Friendly

Budget and quality can go together, but with some limitations. Various DIY kits are quite easy to install, and you can even upgrade them with additional sensors and components. If you’re thinking of buying an entry-level kit, beware of its limitations. They’re usually sufficient for only one or two wireless protocols and add-on components.

On the other hand, more expensive ones offer more wireless protocols and possibilities to upgrade. One of the many reasons to install security systems is a professional monitoring service. Some DIY kits don’t offer that option, so make sure to double-check beforehand.

Professional Home Security Systems

Without a doubt, we’re talking about some high—level security here.
Other than 24/7 professional monitoring, components, wireless connections, and console, professional home security systems offer various options you couldn’t achieve with DIY kits. Things like:

• Door and window sensors
• Door locks
• Glass break detectors
• Indoor/outdoor cameras
• Light switches
• Motion detectors
• Water/smoke/CO detectors
• Thermostats
• Video doorbell

Moreover, you can have a company employee who’ll try to call you if your alarm goes off. Even before he calls 911. Other benefits of these systems include stability, professional set up, and maintenance. Moreover, you don’t have to do a thing except paying a bit more than you would for DIY.

Today, all of the security systems, even DIY ones, come with voice control options, such as Amazon Alexa, Google Assistant, and Siri. You can unlock doors, open the garage, turn the lights on/of, and do a lot more.

Security Has a Price

If you go for the Do It Yourself version, you’ll have to pay a monthly or annual fee if you decide to activate monitoring. This is without the hardware.
The price with monitoring goes from $10-$29, depending on the provider. Some require a monthly or annual contract. On the other hand, professional services are more expensive.

Monitoring for such service can start at $29 per month with a three—year contract. And with hardware, backup, and installation, the price can easily go up to $3000 upfront and $60 monthly fee.

Which System Will Suit You?

The answer depends entirely on your needs and possibilities. For example, if you want more security and can pay more, then professional home security systems are what you need. On the other hand, if you’re on a small budget and want any kind of protection, you should go with DIY.

Keep in mind, safety comes first, and it’s better to invest in prevention than in fixing the problem afterward.

The post Affordable Home Security Devices for Modern Living appeared first on MoneyDigest.sg.

Cats are wonderful companions, especially as pets kept indoors. They are generally low-maintenance and are not difficult to provide care for. There are many breeds of cats that go beyond the black or white cat you see in the television. In fact, the International Cat Association (TICA) officially recognizes 71 breeds as of 2018. That is a lot!

If you are keen to own a cat, you may choose from these adorable low-maintenance cat breeds.

#1: SCOTTISH FOLD

What makes the Scottish Fold unique is its ears that fold forward and lie close to the head. This cat is a lovely addition to any home due to its adaptable personality and its short stature. They are unlikely to attempt any grand leaps or obstacle courses. It can get along with other cats, dogs, and children. Their thick coat is surprisingly easy to maintain as it requires brushing once or twice a week.

Global singing sensation Taylor Swift is a proud owner of Scottish Folds. Her Scottish Folds Meredith and Olivia were both named after fictional television characters.

#2: SPHYNX

The Sphynx is a hairless cat breed, which is often the first choice of cat owners with allergens. The Sphynx’s fur feels more like fine hair or peach fuzz. Not only will its owner get less allergy attacks, but it will not need to groom its fur regularly.

This is an independent cat that is happy to amuse itself while you are busy indoors or outside with your friends. You may invest in a cat tower as the Sphynx enjoy jumping around.

#3: BRITISH SHORTHAIR

Known for its easygoing temperament and undemanding personality, the British Shorthair is popular amongst many cat lovers. It is affectionate, but not needy. It is the perfect companion for people who are looking for cats that stay away from trouble while they are not home. This cat’s short and dense coat is easy to maintain. A good weekly combing should be sufficient to remove the debris and to distribute the skin oils for a healthy coat.

#4: MAINE COON

The Maine Coon originally descended from ship’s cats. It is the largest domesticated cat breed. It is known for its chill, almost dog-like personality. They love the outdoors and can even be walked on a leash. Despite its long coats and large stature, it only requires minimal grooming. This is because its fur is silkier. You just need to comb it once a week and you are good to go!

Although it enjoys human interactions, it can easily entertain itself and is not considered as clingy. Let it freely play on its own.

Image Credits: pixabay.com

Always remember that although these cat breeds are seemingly simple to take care of, you are still responsible for your cats. Love and treat them properly.

Sources: 1 & 2

The post Low-Maintenance Cat Breeds To Bring Home appeared first on MoneyDigest.sg.

Receive a $300 cash reward for new cardholders

Get the most value from your credit card application when you apply for a card this month.

From 5 to 31 October 2020, you will get $300 cash reward or a brand new Apple AirPods Pro (worth $379) when you apply for any of the selected credit cards below. Existing cardholders will receive $30 cash. Simply make 1 spend of any amount to activate the offer.

The $300 cash reward will be fulfilled via PayNow:

Choose from any of the credit cards below:

Citi Rewards Card

The Citi Rewards Card is a must-have card for those who always shop online using credit cards. Imagine earning 10X Rewards^ (4 Miles) for every S$1 spent online each time you shop.

• Enjoy 10X Rewards^ (4 Miles) on online and retail purchases at Lazada, Qoo10, TANGS and more.
• Earn 10X Rewards* (4 Miles) on rides with Grab, ComfortDelGro, Gojek and more
• Earn 10X Rewards^ (4 Miles) on online food delivery
• Earn 10X Rewards^ (4 Miles) on online groceries

Earn 1X Reward on all other spend.

What’s more, you stand to receive up to 30,000 Citi ThankYou Points as welcome gift when you spend S$3,000 in the first 3 months. Citi ThankYou Points can be used to redeem for cash rebate, shopping vouchers, and rewards points. You can convert points from Citi ThankYou Points to Singapore KrisFlyer at a 5:2 ratio – which means you get about 12,000 miles free!

Citi Cash Back Card

Keep this card in your wallet. The Citi Cash Back Card is one of the best cash back card in the market, offering a whopping 8% cash back on your Dining, Groceries and Petrol daily, worldwide. Subject to cash back cap of S$25 per category per statement month with a min. spend of S$888 per statement month.

Imagine this: every $1,000 spends get you $80 cash back in a month. That works out to be almost a thousand dollar of cash savings in a year!

Citi Cash Back+ Mastercard® 

Not to be confused with the Cash Back Card, the Citi Cash Back+ Mastercard® is a new product launched by Citibank this year which offers a competitive 1.6% cashback on all spend categories with no cap and no minimum spend. In other words, you can accumulate as much cashback as you want each time you swipe you card. It does not expires and you can redeem it instantly on-the-go with Citi Pay with Points or for cash rebate via SMS.

Citi PremierMiles Card

Earn your miles faster with one of the best cards for your travel needs. The Citi PremierMiles Card lets you redeem from the widest range of airlines, where 1 Citi Mile = 1 Mile, with KrisFlyer, Asia Miles, Qantas, Qatar, Flying Blue, and more.  With no caps on miles earned, redeem your miles for flights, hotels and merchandises. You can also receive up to 37,300 bonus miles as welcome gift when you choose to pay the annual fees.

1. Earn 1.2 miles for every S$1 spent on all your eligible purchases with your Card
2. Earn 2 miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases
3. Complimentary access to over 600 airport VIP lounges twice per calendar year with Personalised Priority Pass membership card. Priority Pass membership is on application basis and reserved for Principal cardholders only.

Citi Prestige Card

Citi Prestige Card is a premium credit card that offers benefits such as travel, dining and lifestyle privileges. Being a Citi Prestige Cardmember means you get access to offers handpicked for you to ensure you get the most unforgettable experiences.

• Earn 3.25 Citi Dollars (or 1.3 miles) per S$1 local spend and 5 Citi Dollars (or 2 miles) per $1 overseas spend.
• Enjoy unlimited complimentary access to over hundreds of VIP airport lounges for primary cardmembers and one accompanying guest. One complimentary night at any hotel of your choice with a booking of at least 4 consecutive night stay.
• Enjoy 2 complimentary airport limousine transfers per quarter with a minimum spend of S$20,000 within the same quarter. Terms and Conditions apply.

Receive a Welcome Gift of 62,500 Citi ThankYou Points (or 25,000 Citi Miles) when you apply for the card, subject to annual fee payment.

Important information on APR/Fees

Fees
Annual fee for all cards: S$192.60 (First Year Waiver)

*Note: The Citi Prestige Card has an annual fee of S$535.00 which cannot be waived.

Foreign Currency Transaction Fee: 3.25%

Repayment
Minimum Payment: 1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.
Late payment charge: S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases: 26.9%
Interest On Cash Advance: 28.0%
Interest Free Repayment Period: 25 Days

Free Apple AirPods Pro (worth $379) when you apply for these credit cards from now till *31 October 2020

The post Get $300 Cash Reward or Apple AirPods Pro When You Apply For The Following Credit Cards appeared first on MoneyDigest.sg.

* Due to popular demand, this promotion has been extended till 31 October 2020

Get a free set of Apple AirPods Pro worth $379 when you apply for any of the selected credit cards from now till 31 October 2020*. This is really attractive because there is:

• No holding period (Don’t need to keep the card for X months to qualify)
• No limit to the number of AirPods to be given away (Everyone who apply will get it)

To redeem your free AirPods Pro, simply be a new-to-bank customer to apply for any of the Citi Credit Cards mentioned below. If you already have an AirPods Pro, you can choose a cash gift of $300. Existing cardholders will get S$30 cash via PayNow.

To activate the offer, make any transaction of any amount once you received the card. For more FAQs on rewards redemption, click here.

Choose from any of the 5 Citi Credit Cards below:

Citi Rewards Card

The Citi Rewards Card is a must-have card for those who always shop online using credit cards. Imagine earning 10X Rewards^ (4 Miles) for every S$1 spent online each time you shop.

• Enjoy 10X Rewards^ (4 Miles) on online and retail purchases at Lazada, Qoo10, TANGS and more.
• Earn 10X Rewards* (4 Miles) on rides with Grab, ComfortDelGro, Gojek and more
• Earn 10X Rewards^ (4 Miles) on online food delivery
• Earn 10X Rewards^ (4 Miles) on online groceries

Earn 1X Reward on all other spend.

What’s more, you stand to receive up to 30,000 Citi ThankYou Points as welcome gift when you spend S$3,000 in the first 3 months. Citi ThankYou Points can be used to redeem for cash rebate, shopping vouchers, and rewards points. You can convert points from Citi ThankYou Points to Singapore KrisFlyer at a 5:2 ratio – which means you get about 12,000 miles free!

Citi Cash Back Card

Keep this card in your wallet. The Citi Cash Back Card is one of the best cash back card in the market, offering a whopping 8% cash back on your Dining, Groceries and Petrol daily, worldwide. Subject to cash back cap of S$25 per category per statement month with a min. spend of S$888 per statement month.

Imagine this: every $1,000 spends get you $80 cash back in a month. That works out to be almost a thousand dollar of cash savings in a year!

Citi Cash Back+ Mastercard® 

Not to be confused with the Cash Back Card, the Citi Cash Back+ Mastercard® is a new product launched by Citibank this year which offers a competitive 1.6% cashback on all spend categories with no cap and no minimum spend. In other words, you can accumulate as much cashback as you want each time you swipe you card. It does not expires and you can redeem it instantly on-the-go with Citi Pay with Points or for cash rebate via SMS.

*Editor’s note: On Citibank’s website, they have a welcome offer that provides an additional 2.9% cashback (total 4.5%) but that is only valid for 3 months and the Bonus Cash Back Amount is capped at S$145. Applicants who apply via SingSaver will get a set of free AirPods Pro (worth $379) with no minimum spend and no lock in period requirement which is a better deal in our opinion.

Citi PremierMiles Card

Earn your miles faster with one of the best cards for your travel needs. The Citi PremierMiles Card lets you redeem from the widest range of airlines, where 1 Citi Mile = 1 Mile, with KrisFlyer, Asia Miles, Qantas, Qatar, Flying Blue, and more.  With no caps on miles earned, redeem your miles for flights, hotels and merchandises. You can also receive up to 37,300 bonus miles as welcome gift when you choose to pay the annual fees.

1. 1. Earn 1.2 miles for every S$1 spent on all your eligible purchases with your Card
   2. Earn 2 miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases
   3. Complimentary access to over 600 airport VIP lounges twice per calendar year with Personalised Priority Pass membership card. Priority Pass membership is on application basis and reserved for Principal cardholders only.

Citi Prestige Card

Citi Prestige Card is a premium credit card that offers benefits such as travel, dining and lifestyle privileges. Being a Citi Prestige Cardmember means you get access to offers handpicked for you to ensure you get the most unforgettable experiences.

• Earn 3.25 Citi Dollars (or 1.3 miles) per S$1 local spend and 5 Citi Dollars (or 2 miles) per $1 overseas spend.
• Enjoy unlimited complimentary access to over hundreds of VIP airport lounges for primary cardmembers and one accompanying guest. One complimentary night at any hotel of your choice with a booking of at least 4 consecutive night stay.
• Enjoy 2 complimentary airport limousine transfers per quarter with a minimum spend of S$20,000 within the same quarter. Terms and Conditions apply.

Receive a Welcome Gift of 62,500 Citi ThankYou Points (or 25,000 Citi Miles) when you apply for the card, subject to annual fee payment.

Here’s how to redeem your rewards:

1. Search for any of the cards that matches your spending habits
2. Click on Apply Now and fill in your email address (SingSaver will be sending the redemption instructions here)
3. Complete the application form from the bank and remember to take a screenshot so you can take note of the application reference number
4. Once your card is approved, check your email inbox for the reward redemption instructions from SingSaver (don’t forget to check  junk/spam inbox too)
5. Sign up for an account on SingSaver’s website to access the redemption form
6. Fill up the form with the application reference number and you are good to go!

For redemption follow-ups and enquiries, drop an email to info@singsaver.com.sg

Important information on APR/Fees

Fees
Annual fee for all cards: S$192.60 (First Year Waiver)

*Note: The Citi Prestige Card has an annual fee of S$535.00 which cannot be waived.

Foreign Currency Transaction Fee: 3.25%

Repayment
Minimum Payment: 1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.
Late payment charge: S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases: 26.9%
Interest On Cash Advance: 28.0%
Interest Free Repayment Period: 25 Days

The post Free Apple AirPods Pro (worth $379) when you apply for these credit cards from now till *31 October 2020 appeared first on MoneyDigest.sg.

A CLOSER LOOK AT YOUR SPENDING HABITS

Getting married marks a significant chapter in one’s life. This new chapter comes with overwhelming changes and unique transitions that go beyond your personal boundaries. You are now planning a life that is beyond taking care of yourself. This huge responsibility comes with financial trials.

Start with being transparent with your partner when it comes to your finances and spending habits. Awareness is the first step. After all, you are responsible of your partner’s well being too. It is your duty to remind each other about making conscious efforts when it comes to money. Many of our spending habits are influenced by marketing traps and mental biases. These hinder us from thinking straight. You are stronger as a team. Keep that in mind.

Let me give you an example of the common traps or biases that both of you can encounter. Firstly, you the status quo bias may consume you. This bias occurs when you are more likely to prefer the product that you know more despite having better options available in the market. For instance, you may prefer an Apple iPhone over a Samsung Galaxy phone due to your familiarity with the iOS software. You simply want to maintain the routine that you have started.

Similar to status quo bias is the familiarity bias. This happens when you favor products or services that you are exposed more of. Start-ups and smaller companies are not able to afford hefty advertising, thus you may skip on the products or services that they offer. When this happens, it is best to help each other out. Purchase appliances or home decorations together. Do you want to purchase a Samsung Inverter or a Kolin Inverter? Be mindful when you are buying an air-conditioned or other items. Do it for reasons that will both benefit you and your spouse.

Lastly, you may fall for the post-purchase rationalization. This is something that most of us experience. Many of us are stubborn to admit that we made a mistake. We would rather settle for what we purchased. We make excuses to convince ourselves that we made the right decision. Please, ask your partner’s opinion. If the quality of the product does not suit your standards, consider returning it within the company’s terms. Retailers often offer 7 to 30 days return policy. Ask for it!

Do not put yourself into harms way. Accomplish big financial decisions as a team and discuss your spending habits with your partner. You are in this ride together!

THE POSSIBILITY OF SHARING A BANK ACCOUNT

As you build a relationship on mutual trust and honesty, it is normal to gravitate towards having a joint account. Trusting your partner with significant decisions, such as choosing your own home, can pave the way for having deeper understanding to each other’s finances. Some couples experience difficulties when it comes to spending habits and financial priorities. This is why some opt to have a joint account, while others do not.

Finding a mutual ground begins with having the same financial goals. Your goals can vary from paying off your household bills or going to an expensive honeymoon. Set up a joint account for financial goals that you both want to accomplish. You may put your household fund here too.

Then, have concrete rules such as how much each of you will contribute each month and where each portion of your funds will go. Consider having individual bank accounts too. These individual accounts will enable you to treat yourselves or your partner without affecting the household fund. To keep things transparent, you may communicate about your spending habits bi-weekly or every month. Stay on track when it comes to each other’s expenses and goals. Help each other out!

Image Credits: Freepik

You may also discuss if you can make cutbacks or if switching banks are necessary. To put it in simpler terms, you are merging two companies when you have a joint account. Everyone has an equal say and contribution to this shared account. So, respect each other’s views and practice compromise to minimize potential disputes.

The post How To Deal With Finances As A Married Couple appeared first on MoneyDigest.sg.

50% OFF Hokkaido Salmon Value Bundle

DBS/POSB Cardmembers enjoy 50% off Hokkaido Salmon Value Bundle from 26 to 28 October 2020.

This is really value for money as you pay $8.10 instead of $16.20.

Simply enter the promo code: DBSOCT when you order McDelivery.

To check out, ensure a min. $10 spend excluding delivery charge.

Terms & Conditions

• 50% off Hokkaido Salmon Value Bundle on your McDelivery® order. To check out, ensure a min. $10 spend excluding delivery charge.
• Valid from 26 to 28 Oct 2020, 12nn – 1.30am, while stocks last. Not applicable for use with other promotions. Exclusive to DBS/POSB Cardmembers and limited to 2600 redemptions.

Free Apple AirPods Pro (worth $379) when you apply for these credit cards from now till *31 October 2020

The post 50% OFF Hokkaido Salmon Value Bundle via McDelivery for DBS/POSB Cardmembers from 26 – 28 Oct 2020 appeared first on MoneyDigest.sg.

Writing a will in the past used to be a cumbersome and costly affair. It had to be done in the presence of legal counsel where fees could easily run into the hundreds or even thousands of dollars. Thankfully, MoneyOwl has made the will writing process extremely fast, convenient and affordable (FREE!). As an NTUC Social Enterprise, MoneyOwl has inherited a legacy of doing social good and caring for the community. Will writing is just one of the products and services offered at MoneyOwl to help ordinary Singaporeans manage their money well so that they can reach their life goals.

Importance Of A Will

The importance of a will cannot be underestimated, yet it is often one of the most neglected actions. In the absence of a will, intestacy laws will determine how the deceased’s estate is distributed to the beneficiaries. For instance, if you have a spouse and child, your parents will not get a piece of your estate in the event of your death. On the other hand, having a will allows you to dictate how your estate will be distributed and ensure that your intended beneficiaries will be taken care of.

Furthermore, you get to appoint your own executor and trustee to manage your assets and execute your will. This not only gives you peace of mind but is also a financially responsible act to your loved ones. Having a will helps you prevent unnecessary disputes amongst your loved ones.

Write Your Will For Free

Writing your will with MoneyOwl is fuss-free and easy. As no lawyer is required to be present, will writing can be done online anytime, any day. All these in less than 10 minutes and from the comfort of your home! All you need to prepare beforehand are the names and NRIC of your beneficiaries, executor, and two witnesses. Find out more on MoneyOwl’s website.

Receive $5 GrabFood Credit

If offering its valuable will writing service for FREE is not a good enough reason for you to take action, how about an additional $5 GrabFood credit? That’s right, MoneyOwl is giving out $5 GrabFood credit to new MoneyOwl clients who successfully complete their will writing service before 20 Nov 2020*.

Hurry and take advantage of this limited-time promotion to get your will drafted for FREE today with MoneyOwl!

*Only applicable to the first 1,500 clients NEW to MoneyOwl and who successfully complete their will within the campaign period (21 Sep – 20 Nov 2020).

Learn More About Will Writing

If you would like to learn more about will writing and why you need one, watch MoneyOwl’s Webinar on Will Writing that they have recently held.

The post Write Your Will For Free And also Receive $5 GrabFood Credit! appeared first on MoneyDigest.sg.

Try the new OREO cookies

A chocolate version of the much-loved original Oreo, the Enrobed Oreo is now available at Cold Storage Singapore. Each box contains 6 individually packed OREO cookies (2s) and retails for $5.95 a box. The Oreo cookies come completely enrobed in either chocolate or milk chocolate making it the perfect sweet treat for any occasions. You should be able to find them in the Halloween Treats section of Cold Storage. You can also dunk the Oreo into milk. Yum.

Image via HMI Talk

Going to Cold Storage now.

Free Apple AirPods Pro (worth $379) when you apply for these credit cards from now till *31 October 2020

The post Chocolate coated OREO cookies now available at Cold Storage appeared first on MoneyDigest.sg.

One of the events that children look forward to every year is Halloween. It is possible to stir up a spooktacular Halloween celebration while maintaining an inexpensive budget. Simply use the art materials and common craft supplies that are readily available in your home.

Create these projects with your children to see for yourself!

THEME: UNDER THE SEA

There are two types of activities that you can do to with little preparations. You can either do the Water Balloon Pop or the Jellyfish Paper Craft. The former is a messy activity, which is best played outdoors. Gather twelve vivid balloons corresponding to three colored papers. Cut several circles out of your colored papers. The colored papers must match the color of the balloons. Then, fill up the balloon with water. Stick the papers on the wall. The objective of this game is to pop the balloon directly to its corresponding target. The person with the most accurate throws will win.

For the latter, you must gather yarns or strings, markers, paper plates, and paint. Cut a paper plate in half to create the dome-shaped head of the jellyfish. Staple holes on the bottom of the plate and attach the yarns or strings. Paint the paper plate to complete this lovely sea creature.

THEME: MONSTER SMASH

For a monster-themed Halloween, you may start by building your own monster out of modelling clay. Attach art materials such as moving eyes and fuzzy wires to your sculpted monster to complete its look. You may also create monsters using popsicle sticks. Attach five to seven sticks together to form a vertical file. Paint on the sticks and add refinement of details by using markers. Let your creativity shine through!

Image Credits: iheartartsncrafts.com

Secondly, you may use a green and a black paint to create your own Frankenstein handprint. Half of your child’s hand will be painted black (i.e., Frankenstein’s hair) and half will be painted green (i.e., Frankenstein’s head). Press your hand on a paper and let the paint dry. Finish the craft by drawing details on your hand print such as its signature screws.

Image Credits: rd.com

THEME: THE MUMMY RETURNS

If you want to embrace the “Mummy” as your spooky theme, you may use two rolls of tissue paper to create a mummy race. Let your children use one roll of tissue paper to wrap you and your spouse. The person who wraps the mummy the fastest will win. You may also encourage them to decorate the mummy afterwards by using washable markers and non-toxic paint.

THEME: SPIDER HUNT

If your child is fond of spiders and Spiderman, fill up the room with spider décor. You may create a spider Halloween wreath or a spider sticks web. For the Spider Halloween wreath, all you have to do is to gather twigs that have fallen from the tree. Glue these twigs onto a piece of cardboard to create a base for your wreath. Embellish the wreath with some cut-out spiders.

Image Credits: buggyandbuddy.com

For the spider sticks web, you will need scissors, yarn, paint, glue, and popsicle sticks. Stick the popsicle sticks together to create this shape: *. Then, paint it white and add some black or orange yarns. This will enable you to tie the craft to your doors or ceilings. You may add some cut-out or toy spiders to increase its effect.

THEME: BOO – THE FRIENDLY GHOST

You can either put ghosts on your candy paper bags or your Halloween cards. Start by purchasing white paint and brown paper bags. Turn your ordinary paper bag into a glowing ghost bag by painting on it. You may put the candies inside once you are done.

The last craft is quick and easy. Cover your child’s feet using white paint. Let your child press it on a colored paper. Once it is dry, you may decorate your very own ghost. Enjoy!

Sources: 1 & 2

The post Fun & Inexpensive Halloween Crafts For Kids appeared first on MoneyDigest.sg.

We get it. You’ve been sending out resumes and going for interviews but to no avail. Coupled with the pandemic with no clear end in sight, it’s tough to cope. In fact, more job cuts are expected amid COVID-19 according to Singapore’s tripartite advisory. The competition for job openings is definitely intense out there.

Furthermore, it’s probably common to be faced with more rejections in recent months. We understand it’s not easy to deal with them… especially if you’re constantly worried about your monthly expenditures and how to keep up with your daily spendings. Thankfully, an experienced executive recruiter shares with us some ways to cope with rejection.

#1: Everyone is in this together

While it’s possible to step out of an interview feeling like you’ve aced it, don’t beat yourself up if you don’t get a reply from the interviewer. Take some comfort in knowing that everyone else is in the same situation together. You’re not the only person having feelings of fear, stress, or situational depression from rejection.

#2: It’s just not meant to be

Overthinking might be the worst thing to do after being ghosted or rejected. If you’re trying to find some closure, maybe telling yourself that ‘it’s just not meant to be’ will work. As cliche as it sounds, the right time (and position) will come when it’s due. Not getting selected for a position doesn’t necessarily mean that you’re not good enough.

#3: Look within yourself

Image Credits: Depositphotos

You may be highly competent for a job on paper and experience-wise but sometimes it’s good to look within yourself. By that, we mean an analysis of your approach. How do you think you carry yourself during an interview? When asked why you left your previous position, do you start to unload by putting the blame on your ex-colleagues? Or do you exude positive attitudes instead?

#4: Ask for an opinion and adapt

If you think the constant rejections you’ve received have to do with the way you speak or approach an interview, ask for an opinion. Gather a few friends you can trust or mentors you look up to and share your interview style. Listen to their honest feedback and make the change if necessary. Then, keep practising till you’re confident of your pitch.

#5: Adjust your definition of success

Here, we’re talking about managing your expectations. Your pre-pandemic job goals might make sense in a strong job market. But we all know that’s not the case as the world battles the virus and its effects on our lives. Even if your present circumstances might seem far from your original dream job, celebrate the small victories along the way.

#6: Be well aware of your outstanding qualities

Image Credits: Freepik

Constant rejection can zap away your confidence and make you doubt the good qualities you have. It’s important to be well aware of your outstanding qualities and triumphant achievements in the past no matter the job interview result. To help counter a negative thought, mentally recall a moment in time where you managed to prevail over adversity.

#7: Keep a list of positive affirmations

You will be surprised to know the marvellous effects of positive affirmations on a tired and defeated mind.

“This is merely a minor setback; I will find a new job!” 

“Just because I was rejected for the job does not diminish my self-worth and value.” 

“I am smart, talented, and have a lot to offer.”

“I won’t give up and will make it through this tough time!”

#8: Take good care of yourself

You’re the only person in full control of your mind, body, and spirit. To cope with rejection the healthy way, it’s essential to take good care of yourself. Eat well, exercise, and keep up with that positive social interaction. It also helps to expose yourself to stories of successful people who’ve gone through the fire pit and risen up stronger. The right time will come for you. Take heart!

The post An experienced executive recruiter shares ways on how to cope with rejection from job search appeared first on MoneyDigest.sg.

Tsuta, the world’s first Michelin-starred ramen, is unveiling its biggest menu revamp with over 80% new items. To celebrate the launch, they will be offering a 1 for 1 promotion for you to try Tsuta’s first Crab Soba, R.H.C.P Mazesoba and improved recipes on signature items such as its Shoyu Soba and Shio Soba.

Seafood lovers will get to savour a taste of the ocean with Tsuta’s first Crab Soba, you will be the first in the world to try it! Or savour in its new R.H.C.P Mazesoba where al-dente thick chewy noodles, drenched in house-made tomato sauce, is served with a generous amount of minced beef and drizzled with house-made cheese sauce.

1 FOR 1 Promotion

Enjoy the following 1 FOR 1 ramen on the following dates:

• 29 – 31 October
  • Crab Soba, Shoyu Soba, and Shio Soba
• 1 –3 November
  • R.H.C.P Mazesoba, Teriyaki Chicken Paitan, and Spicy Teriyaki Chicken Soba

The post Enjoy 1-for-1 Ramen at Tsuta – the World’s First Michelin-Starred Ramen Eatery! appeared first on MoneyDigest.sg.