Enjoy Instant ChaTraMue Thai Tea Milk Tea

You can now enjoy your favourite cha yen from the famous Thai milk tea brand, ChaTraMue.

Sheng Siong Supermarkets is now selling the ChaTraMue’s 3-in-1 instant Thai Milk Tea.

This instant Thai Milk Tea is much more convenient than the classic tea bags where you’d have to add your own serving of milk or sugar.

You can simply just mix the powder with warm water and it is ready to drink. You can even drink it hot or cold (just add ice).

It is currently selling at $9.00 a pack which contains 25 sachets (25 x 20g) — this works out to be only $0.36 per cup!

Really value for money.

The post ChaTraMue Instant Thai Milk Tea Now Available At Sheng Siong Supermarkets appeared first on MoneyDigest.sg.

Limited Time Promotion

Get a free set of Apple Watch Series 3 worth $299 when you apply for any of the selected credit cards from 28 to 31 October 2020.

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

To activate the offer, make any transaction of any amount once you received the card within 60 days. For more FAQs on rewards redemption, click here.

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.

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

Hear stories of how Apple Watch has changed — and even saved — the lives of those who wear it.

The post Get FREE Apple Watch Series 3 When You Apply For The Following Credit Cards From 28 – 31 Oct 2020 appeared first on MoneyDigest.sg.

BUY 1 GET 1 FREE ZINGER DEAL AT KFC

KFC is offering 1-for-1 Zinger Burger for 3 days from 28 to 30 October 2020.

Get 2 burgers for the price of 1!

Order on the KFC app for dine-in, takeaway or delivery.

Check out the announcement below:

Share this promotion with your friends and loved ones!

The post 1-FOR-1 KFC Zinger Burger from 28 – 30 Oct 20. Available For Dine-in, Takeaway & Delivery appeared first on MoneyDigest.sg.

TraceTogether is a digital system, which the Singaporean Government had implemented to allow for better contact tracing in response to the effects of the pandemic in the country. The system was originally designed as an app and was later supplemented by a physical token due to the low-usage of the TraceTogether app.

October 26 (Monday) marked the start of the mandatory use of TraceTogether app or token at all Singapore cinemas. Venues with activities that involve larger groups of people will follow the same mandate. By the end of December, checking-in with the TraceTogether app or token will be compulsory in public venues such as restaurants, workplaces, schools, cinemas, hotels, healthcare facilities, and shopping malls.

This means that you will no longer be able to gain access to these places through the SingPass mobile app or by scanning SafeEntry QR codes with your phone’s camera. Instead, you can either use the TraceTogether app or token. The former includes a function for users to scan SafeEntry QR codes that are displayed at venues. The latter comes with a QR code that can be scanned for entry. Please do not cover the QR code attached to your token.

In the recent days, Singapore has hit about 50% participation rate in its digital COVID-19 contact tracing program. This is good news because having 70% of Singapore’s population using TraceTogether is one of the conditions that has to be met for Singapore to enter phase three. This is according to Education Minister Lawrence Wong, co-chair of the COVID-19 task force.

Before you collect your token at the community centre (CC), please check token.gowhere.gov.sg to know its availability. To prevent long queues from forming, members of the public have been encouraged to collect their TraceTogether tokens from the CC nearest to where they live. There is no need to collect a physical token, if you already have the TraceTogether app. You may download the latest version of the app at tracetogether.gov.sg.

Minister-in-charge of the Smart Nation initiative Vivian Balakrishnan also highlighted that there will be more than enough TraceTogether tokens for everyone. These tokens can be collected at thirty-eight CCs around the country. It will be made available at all 108 CCs by the end of November.

Once you receive your token, check its light. The green light blinks, if your token is working. It should blink once every minute. Its battery lasts for six months and is not rechargeable. You may “dress-up” your token by putting your old first-generation AirPods case. It will fit nicely on that.

Image Credits: Putri Shaghira via Facebook

Lastly, the data stored in your token will be automatically deleted after twenty-five days. There will be room for more information.

Sources: 1, 2, & 3

The post Important Things To Know About The TraceTogether Token appeared first on MoneyDigest.sg.

Once you visit Singapore you have not experienced traditional Singapore unless you try rooftop dining in Singapore. It’s a one-of-a-kind dining experience that you will treasure for the rest of your life. You can enjoy fine cuisine, atmosphere , and catch the breathtaking view of the Singapore skyline all at one sitting. Singapore has many unique rooftop restaurants so you have your pick of the best.

Braci – as the name implies serves Italian dishes that have been carried on from antiquity. Freshly imported from Italy the restaurant maintains the fine Italian legacy of rich pasta marinated in rich sauces. The restaurant has picturesque views of the Singapore river that can be enjoyed from both the bar and the restaurant. The atmosphere is relaxed and you can enjoy their fork-tender pork dish a must try among their traditional Italian cuisine dishes.

CE LA VI – situated on the 57th floor of the Marina Bay Sands Hotel brings a new definition to fine twilight rooftop dining in Singapore. Come and enjoy a special night atop this rooftop wonder. You can enjoy one of their unforgettable Asian dishes while you take in the breathtaking Singapore skyline.. You will have an unforgettable panoramic view of the world famous sky-lit skyline.

Zafferano – the pride of Singapore brings you some of the finest Italian cuisine you will ever taste. It is perched atop the 43rd floor of the Ocean Financial Center in Collyer Quay a once-in-a-lifetime rooftop dining experience. You have the luxury of glancing across the crystal clear water of Singapore to drink in the beautiful skyline of Singapore’s impressive Central Business district highlighted by the Marina Bay Sands. You can feast on their delicious Canadian Lobster Linguine and scrumptious house-made fettuccine.

Southbridge – a taste of the sea you will enjoy on this 5th floor paradise. The restaurant features some of the best views of the Lion City’s skyline. And who can forget the view of the majestic Marina Bay Sands hotel. Additionally, you can enjoy mouth-watering oyster dishes from the world over. Don’t forget the Lobster Knuckle rolls a treat you won’t forget.

Stellar at 1- Altitude – restaurant perched 62 levels up into the Singapore skyline. As you dine you can enjoy a panoramic view of the stellar Singapore skyline in the distance. The Marina Sands and Singapore Flyer stand out in the distant star-lit skyline. They offer a fine line of menus especially their constellations menu. It features steamed sea urchin custard(an experience all in itself) and roasted pigeon, two dishes that are out of this world.

Jaan – sits on the 7oth floor of the tallest hotel in Singapore-the Swissotel. It has become Singapore’s signature rooftop dining hotspot. You will experience unforgettable rooftop dining in Singapore that will stay with you the rest of your life. Its food is as dreamy as its spectacular night time views. It has been noted perennially on world famous lists of “Best restaurants in Asia” putting it in a dining class all of its own. Their fish and chips is a must try.

Finally, you have a panoramic view of some of the best rooftop dining in Singapore. The list notes some of the best restaurants you will find in Singapore. Each one presenting its own unique dining experience.

The post Top Spots For Rooftop Dining in Singapore appeared first on MoneyDigest.sg.

Enjoy up to 47% savings with must-buy items at FairPrice this week as we leap into November! In today’s article, we will share with you some discounted items including Lifebuoy’s 3-ply masks, kit kat chocolates, and Prima Taste’s instant noodles. Stay tuned to the end for 1-for-1 deals and weekly saver items!

Let’s get started.

#1: Lifebuoy Anti-Bacterial Face Protection Masks (3 Ply)

Sale Price: S$16.90

Usual Price: S$32

Savings: S$15.10

We will kickstart this week’s list with a 47% discount for you. Lifebuoy Anti-Bacterial Face Protection Masks (3 Ply) has 50 in a box and it’s going for only S$16.90 from now till 4 November! It is fluid-resistant and even suitable for professional use. Check your storage to make sure you have enough masks to last you for the upcoming months ahead.

#2: Nestle Kit Kat 2 Finger Chocolate Bar – Milk

Sale Price: 2 for S$8.95

Usual Price: S$6.20

Savings: S$3.45

Up for some three-layer no-bake Kit Kat squares at home? To begin, select your favourite cookies, pound on them, and mix it with melted butter. Once the cookie crumble crust is done, melt chocolate chips and sweetened condensed milk and stir till the mixture is well-combined. Pour it over the crust and top it off with Kit Kats. Refrigerate for an hour or two before serving!

#3: Prima Taste La Mian Premium Instant Noodles – Laksa

Sale Price: S$8.65

Usual Price: S$10.95

Savings: S$2.30

Prima Taste La Mian is renowned worldwide for its premium noodles. If you want to savour the likeness of traditional hand-pulled noodles in every bite, you’ve got to tap on this promotion this week to get your pack of instant noodles at S$8.65. It’s also available in other flavours – prawn soup, chilli crab, curry, and more.

#4: Berryfield Whole Frozen Strawberries

Sale Price: S$11.80

Usual Price: S$19.50

Savings: S$7.70

Do it the Korean way and get your frozen strawberries or blueberries by Berryfield from FairPrice. Easily blend up a cup of delicious and nutritious smoothie in the morning to start your day right. You can also make your own strawberry jam easily with this 1kg bag of whole frozen fruits. All you need are strawberries, sugar, and some lemon juice (optional).

#5: FairPrice Kool Potong Ice Cream – Red Bean, Jackfruit & Yam

Sale Price: 2 for S$5.65

Usual Price: S$3.20

Savings: S$0.75

Are you the sort that stands at the ice cream section for a long time trying to decide on what flavours to bag home? Yeah, it’s a dilemma at times. If you can’t make up your mind, why not get a mixture of flavours so you can have a variety? Those who don’t fancy the red bean, jackfruit, and yam combination and get the sweet corn, mango, and durian assorted pack.

#6: FairPrice DeluxSoft Bathroom Tissue (3 Ply)

Sale Price: 3 for S$9.95

Usual Price: S$4.30

Savings: S$2.95

We’re thankful Singapore has passed the toilet paper hogging exercise, maybe at least for now. Other countries like Germany aren’t having it that easy though. Sales of toilet paper and disinfectants are increasing again as Europe’s largest economy battles its second wave of COVID-19. With this ongoing promotion, it’s probably best to buy now and avoid ‘hamstering’ later?

Other must-buy items from now will 4 November 2020

Buy-1-get-1-free deals from now will 4 November 2020

Save more with FairPrice’s weekly saver deals till 4 November 2020

The post FairPrice: Save up to 47% with must-buy items from now till 4 November 2020 appeared first on MoneyDigest.sg.

Free A la Carte Filet-O-Fish® on your McDelivery® order.

Here’s a treat when you order McDelivery.

From 29 October to 1 November, get a free a la carte Filet-O-Fish® when you order McDelivery® order with the promo code: MDFFOF

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

Valid from 29 Oct to 1 Nov 2020, 12nn – 1.30am, while stocks last. Not applicable for use with other promotions.

Here’s how to enter the promo code:

Share this promo code with your friends!

The post You can get a free Filet-O-Fish® when you order McDelivery with this promo code from 29 Oct – 1 Nov 20 appeared first on MoneyDigest.sg.

Welcome the season of joy

A new holiday collection for the most wonderful time of the year.

Available from 2 Nov in stores and from 12pm on Starbucks Flagship Store on LazMall.

A special collection to welcome the season of joy.

Check out the designs below:

For more information on availability and other merchandise, click here.

The post Starbucks launching new Christmas cups and tumblers from 2 November 20 appeared first on MoneyDigest.sg.

Exclusive for Money Digest readers

Get a free set of Apple Watch SE worth $419 when you apply for any of the selected credit cards from 1 to 30 November 2020.

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

To activate the offer, make any transaction of any amount once you received the card within 60 days. For more FAQs on rewards redemption, click here.

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.

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

You can watch the Apple Watch SE commercial here:

The post Get FREE Apple Watch SE (worth $419) When You Apply For The Following Credit Cards From 1 – 30 Nov 20 appeared first on MoneyDigest.sg.

Let’s welcome November with exciting rewards and 11.11 eDeals at Marina Square. We’re hyped up by their $11 meal deals, $11 discounts and daily $11 flash vouchers, and we think you would be too! You can claim the attractive eDeals easily via the Marina Square app from 1 – 11 Nov. So download the free Marina Square app from Google Play or the App Store today! To redeem your favourite deals, launch the Marina Square app, view “Deals”, and scan the QR code in-store. It’s that easy!

Here are some eDeals worth a shoutout.

Food Deals

1. $11++ Lunch Buffet (UP $18.90++) at Suki-Ya @ The Dining Edition

Hot pot lovers, put your hands up! Suki-Ya @ The Dining Edition will greet you with open arms as you dig into their unlimited top-quality fresh beef, pork, and chicken slices via the $11 lunch buffet deal. You can also look forward to a wide variety of fresh vegetables, savoury sauces, and creamy soft-serve ice cream during your meal.

2. $11 Chicken Grill Set (UP $15) at Seoul Garden

How about some delicious grilled chicken at Seoul Garden for just $11 a set? Probably a well-known brand among most Singapore residents, the leading halal-certified Korean brand has been with us for more than 30 years! Grab your eating buddies and enjoy some mouthwatering Korean-Asian marinades at Seoul Garden in Marina Square.

Shopping Deals

3. $11 off min. $50 spend at Skechers

Other than food deals, you can also grab hold of appealing shopping deals like this one from Skechers. Simply spend a minimum of $50 at Skechers to get $11 deducted from your total bill. We’re thinking of getting a pair or two from the Skechers GOwalk Smart series. Featuring the lightweight, responsive ULTRA GO cushioning, and high-rebound COMFORT PILLAR TECHNOLOGY, you will be guaranteed ultimate comfort while walking.

4. $11 off min. $50 spend at Benjamin Barker

Benjamin Barker carries smart-casual and heritage-inspired apparels for gentlemen. For men who want clothes that speak style and personality, Benjamin Barker might just be the right place for you. Other than their own products, Benjamin Barker also curates from other brands with high handcraftsmanship. Ace your look effortlessly with their fashionable shoes and accessories!

Family & Kids Deals

5. $11 for $20 credits at Timezone

Parents, bond with kiddos over a wonderful time at Timezone! Their bright, colourful, and cosy ambience is perfect for family entertainment. Your kids will love the range of games and rewards at the prize counters. With the Marina Square eDeal where you can get $20 by just paying $11, there’s no better time than now to visit.

6. $11 Child Admission Ticket (UP $29.90) at Pororo Park Singapore

Gift your child an adventure like no other at the one and only Pororo Park in Singapore! The huge character-themed kids’ indoor playground has attractions like Shark Ball Pool, Pororo Express Train, Poby’s Playgym, and more. After a fun-filled day at the park, Loopy’s Café makes a good place to gather the family together for a scrumptious bite.

7. $11 off any ALL IN ticket purchased on-site (UP from $49) at NERF Action Xperience

Do you have difficulties trying to think of avenues for your ever-active kids to expend their energy? We’ve found one activity for you! The NERF Action Xperience is packed with multiple-themed activity zones great for older kids above 7 years of age. Your child will get their adrenaline pumped through various challenges in a safe indoor environment. Enjoy $11 off an all-in ticket when you purchase on-site.

Spend it, SQUARE it!

Frequent shoppers of Marina Square will be familiar with the “Spend it, SQUARE it!” campaign. If you’re not, fret not because we’re here to help you make the best bang for your buck while shopping at the mall. After you’re done with all that shopping, simply scan your receipts (min. $20/receipt) via the app to earn SQUARES ($1 spend = 1 SQUARE). SQUARES can then be converted to parking rewards, eVouchers, and more.

Claim your $11 Marina Square eVoucher (eMSGV)

From 1 – 11 Nov, Marina Square will sweeten up their rewards with an $11 Marina Square Flash eVoucher (eMSGV), where only 100 will be released at 11am daily. So, fastest fingers first! All you have to do is convert 100 SQUARES to get it, instead of the usual 1000 SQUARES for $10 eMSGV.

Have a superb time at Marina Square this November!

Marina Square
Address: 6 Raffles Boulevard, Singapore 039594
Operating Hours: 10am – 10pm (daily)
Website: marinasquare.com.sg
Facebook: facebook.com/MarinaSquare.Singapore/
Instagram: instagram.com/marinasquaresg/

The post Shop at Marina Square from 1 – 11 Nov for exciting rewards and attractive 11.11 eDeals appeared first on MoneyDigest.sg.

For investors, the terms “bull” and “bear” carry distinct weights as they frequently describe the market conditions. These terms are used to describe how the market is doing. It is your responsibility as an investor to know the direction of the stock market, because it will significantly affect your portfolio. Examine how each of these market conditions may impact your investments.

INVESTORS’ ATTITUDES AND THE MARKET

Since the financial markets are greatly influenced by the investors’ attitudes, these terms also denote how they feel about the current economic situations. A bear market occurs in an economy that is receding and where most stocks are depreciating in value. Interestingly, it is named for the way the bear attacks its victims. You see, a bear swipes downward during an attack. Thus, it became a metaphor for the market activity during this condition.

On the other hand, a bull market exists in an economy on the rise. This is where conditions of the economy are generally favorable and positive. Investors usually have faith that the uptrend will continue over a long period of time during the bull market condition. In the case of equity, a bull market denotes a rise in the prices of companies’ shares.

In a bear market, share prices are continuously dropping. This affects the investors’ attitudes negatively, which later perpetuates the downward spiral. During this time, the economy slows down and unemployment rises as companies begin laying off workers. One can only imagine how the investors felt last March 2020 when the U.S. stock market fell into the bear market due to the pandemic!

SUPPLY AND DEMAND FOR SECURITIES

More investors are looking to sell than to buy in a bear market. The demand for securities is significantly lower than the supply. As a result, share prices drop. A bear market can be more dangerous to invest in, because many equities lose value and price.

In contrast, there is a strong demand and weak supply for securities in a bull market. Many investors wish to buy securities, but only few people are willing to sell them in a bull market. As a result, share prices will rise and investors compete to obtain available equity.

SHIFT IN ECONOMIC ACTIVITY

A weak economy is often associated with the bear market. Most businesses and companies are unable to bring in huge profits due to the unwillingness of consumers to spend money. This decline in profits directly affects the way the market values stocks.

In a bull market, the opposite happens. People have more money to spend and are very much willing to spend it. This relationship towards the consumers strengthens the economy.

Image Credits: unsplash.com

THE CONCLUSION

A bear market occurs in an economy that is receding, where more stocks are depreciating in value. While, a bull market exists when the economy is sound. Both of these conditions will have a significant influence on your investments. It is a good idea to determine how the market is doing when making an investment decision.

How long a bear market will last varies wildly due to the situation. Some can last for several weeks, while others last for years. Over the long run, the stock market always has a positive return. A grand comeback, which we all have been waiting for!

Sources: 1 & 2

The post Bear & Bull Markets: Animals In The Stock Market appeared first on MoneyDigest.sg.

foodpanda November 2020 promo codes & discounts

Enjoy huge savings and satisfy your cravings with the latest foodpanda promtions, discounts, and free delivery deals.  This month, discover pickup and save 15% on your next order.

foodpanda promo codes & discounts

Enjoy great savings when you use these bank cards

Share these promo codes with your friends and loved ones!

Get FREE Apple Watch SE (worth $419) When You Apply For The Following Credit Cards From 1 – 30 Nov 20

The post Here are 18 foodpanda promo codes for use in November 2020 appeared first on MoneyDigest.sg.

Talk about new furniture and people might naturally bring up IKEA. Well, there’s nothing wrong about shopping at IKEA but sometimes we humans want a little fresher alternative. If you share the same sentiments, how about shopping at these online furniture stores we’re about to introduce to you?

Here are six online furniture stores for people who want options other than IKEA.

#1: Island Living

Website: islandliving.sg

Island Living is the brainchild of Karin Rysgaard and Denise Vrontas, a designer and ex-PR consultant, respectively. If you fancy a laid-back approach to your home, this brand will resonate with you. You can expect lots of different textures, including sustainable rattan and reclaimed teak wood. Check back frequently if you want to keep up with the latest global interior trends.

#2: Ong Shunmugam

Website: ongshunmugam.com

In case you’re wondering, Ong Shunmugam rattan furniture and basketry is designed and drafted in their offices across London and Singapore and made in Malaysia. High-end is probably the right word to describe their range of products. To allow the veteran craftsmen to work their magic, be ready to wait for about 6 to 8 weeks before you welcome the masterpieces back home.

#3: Celson

Website: celson.sg

Celson was founded in 2018 by Sonam, who did her postgraduate studies in merchandising and designing in Delhi, the capital of India. The brand believes that they are capable of bringing quality handcrafted products to every home at transparent prices. We like how they have customisation options for both bone inlay and solid Indian wood furniture types. Check them out!

#4: Naturalis Historia

Website: nhteak.com

Naturalis Historia designs and creates furniture pieces that combine modern functions with classic features. Entirely handcrafted by experienced artisans, the brand only utilises materials from sustainable and ethical sources. To put it simply, you can expect attractive, stable, and trustworthy products to last you for generations to come.

#5: Hock Siong

Website: hocksiong.com.sg

Hock Siong is the go-to place if you want to own furniture that has a rich history, passed down from previous owners. In other words, they deal with secondhand items, including those from local hotels and residential households. This place is for people who find beauty in slightly defective items due to wear and tear over time. Light touch-ups are available for wooden products.

#6: Crate & Barrel

Website: crateandbarrel.com.sg

We will wrap up this list of online furniture stores with a possibly familiar name – Crate & Barrel. They have been around for almost 60 years, with over 100 stores and franchise partners in 11 countries. You will adore their furniture collection if you’re on a hunt for clean, minimalistic, and timeless designs.

Don’t forget to compare prices before hitting that ‘pay’ button!

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The magical story of a young wizard named Harry Potter has captured the hearts of fans of all ages and with a good reason. In fact, I am wearing my Hufflepuff shirt while I am writing this.

Despite being in a fictional world, the Harry Potter characters’ financial problems cannot be solved with a wave of a wand. They also have to struggle with the challenges of saving, spending, and growing money throughout the series. Here are just some of the personal finance lessons that you can learn form the wizarding world of Harry Potter:

GET THE A DEPENDABLE AUTO-INSURANCE

In the “Harry Potter and the Chamber of Secrets” book, Ron and Harry crashed a car into a tree. It caused an irreparable damage to a car that they do not own. This scenario taught us the importance of having a car insurance.

In Singapore, it is mandatory to have your car insured. Examine your options and look for an auto-insurance that suits your needs and your budget. Some of the plans that you may consider are the FWD, Aviva, and NTUC Income auto-insurance plans. FWD has three auto-insurance plans from Classic to Prestige. Its annual premiums start from S$731.38. Aviva offers three auto-insurance plans too from Lite to Prestige. Its annual premiums start from S$883.12. Lastly, NTUC Income has Drivo Classic and Premium plans. Its annual premiums start from S$$970.35. Annual premiums are usually based on the driver’s profile and the car itself.

SORT OUT YOUR WILL

After living in an uncomfortable cupboard under the stairs for eleven years, the book’s main protagonist Harry Potter found out that he was a wizard and that his parents left him a considerable amount of money. His family’s wealth was beyond what he can imagine! Although his parents died at a very young age, when he was just a baby, it was clear that they a robust financial plan in place. They left all their wealth to Harry. This helped him secure his school supplies and daily needs throughout the years.

Unforeseen events can strike at any moment. It is important to save up for your retirement as soon as possible. Moreover, you must create a will that ensures the list of beneficiaries on all of your savings and investment accounts.

SEE THE POWER OF COMPOUND INTEREST

Harry not only benefits from his parents’ wealth, but also reap the rewards of compound interest. His money was untouched for eleven years. When he opened his vault for the first time at the Gringotts Wizarding Bank, he discovered the amount of gold and money that was in his vault. Despite having this wealth, he did not lead a lavish lifestyle.

Like Harry, you may benefit from compound interest by leaving your money untouched for years in a bank or by investing your money for the long haul.

APPRECIATE WHAT YOU HAVE

As I said above, he did not lead a lavish lifestyle. Harry was humble. In fact, he wore the same glasses for seven years. He appreciates what he has and exemplifies this trait the most in the first book. When Hagrid gifts him Hedwig the owl, he was amazed and accepted it wholeheartedly. He was also very grateful when he was gifted the Nimbus 2000 by Professor McGonagall.

In our world, it is easy to be caught by all the sale items and designer brands. However, you must remember to strike a balance between your needs and wants. Appreciate what you have and live within a realistic budget that you set.

SECURE YOUR MONEY IN A SAFE PLACE

Harry’s immense fortune was stored in the Gringotts Wizarding Bank, located in the heart of London. The bank is operated and guarded by goblins. These goblins serve as the gatekeepers to the underground vaults. It is often described as the safest place in the Wizarding World.

Image Credits: unsplash.com

While you cannot keep your wealth within the protection of magical spells and goblins, you can secure your money in other ways. Firstly, you may set up an auto-deposit scheme to send a portion of each paycheck to your savings account. Secondly, you may store your emergency fund in a place where you will not be tempted to spend it frivolously. For instance, you may set up a different account exclusively for that. Lastly, secure your online banking apps through Two-Factor Authentication.

Sources: 1, 2, & 3

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Just two weeks back, we read with joy that Singapore and Hong Kong are in talks to establish a travel bubble where travellers can exempt from quarantines or stay-home notices. Fast forward to today (Nov 2); it seems like the authorities will put the then in-principle agreement to action soon. To be exact, we should be able to start flying between Hong Kong and Singapore by late November.

Are you thinking of celebrating Christmas and countdown in Hong Kong? We’ve found five best Airbnb rentals from S$41/night with flexible cancellation policies you can book for your long-awaited yearend trip. Prices reflected are accurate at the time of writing and valid for stays from Dec 25 to Jan 1.

#1: Five-star rated room near Causeway Bay Station

Price: S$41/night

When we last check, this room has a perfect five-star rating thanks to its previous occupants! There is a double bed by the window and a private bathroom with a walk-in shower. We like how it’s conveniently near Causeway Bay Station. You will be able to walk over to SOGO Causeway Bay, Hysan Place, and Times Square within minutes.

#2: Guest suite with bathroom a 10-minute walk to SOGO

Price: S$45/night

The same Airbnb superhost hosts this guest suite as our previous listing. There are one double bed and a private bathroom. By booking this listing, you will find yourself in the vicinity of Causeway Bay and Wan Chai. According to the host, Causeway Bay Station is a 7-minute walk away, and SOGO Causeway Bay is just 10 minutes away.

#3: Clean and tidy studio for the solo traveller

Price: S$54/night

Solo travellers, this space is perfect for you. There’s a small writing desk which can act as a mini dining table as well. Decent storage spaces are available for you to store your belongings. The studio also comes with an attached toilet, fridge, and water kettle. The closest train station is Sheung Wan Station, and nearby attractions include the Western Market and Sun Yat Sen Memorial Park.

#4: Spacious apartment for two at Kowloon

Price: S$68/night

By Hong Kong’s housing standards, this Airbnb is relatively roomy. You will get a queen-size bed and a private bathroom with a shower. There’s also a two-seater couch with a coffee table right in front of it. Jordan Station is a short walk away, and Temple Street Night Market is steps away from the accommodation.

#5: Flat for four guests close to Eaton HK Hotel

Price: S$75/night

If you don’t mind squeezing, the Airbnb host allows up to four guests in this living space. There are two double beds and a mini kitchen area with a sink. You will find yourself along Nathan Road if you decide to stay here. Sited between Jordan Station and Yau Ma Tei Station, you can walk your way to Temple Street Night Market and Jade Market.

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Simply make payment with UOB Mighty QR Pay

Scan and pay with UOB Mighty QR Pay and enjoy S$1 QR Pay Deals every Friday this November!

Check out deals from your favourite stores like Delifrance, Gong Cha, PastaMania, Sushi Tei and more!

6 November: S$1 small cup (U.P. S$4.90) at Yole via UOB Mighty QR Pay#

13 November: S$1 Pearl Milk Tea (M) (U.P. S$3.50) at Gong Cha via UOB Mighty QR Pay#

20 November: S$1 Croissant (U.P. S$3.20) at Delifrance via UOB Mighty QR Pay#

27 November: S$1 Matcha Ice Cream (U.P. S$3.80) via UOB Mighty QR Pay#

How to Scan QR and Pay on UOB Mighty

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WHAT IS AN EMERGENCY FUND?

An emergency fund consists of the money you set aside to cover large, unexpected expenses. It serves as your cushion to save you from drowning into debt  and other unfortunate events. It can be used for unforeseen medical expenses, home appliances replacement, automobile repairs, and managing unemployment.

HOW MUCH MUST I SAVE?

When you are starting to build your emergency fund, it is important to value what you have. No matter how small, every dollar counts. Focus on the habit and consistency of saving money. When your financial situation improves, you can increase your savings.

The right amount for you depends on your financial situation, but a good rule thumb is to have enough money to cover your living expenses for six months. If you lose your job during pandemic, you can use your emergency fund for necessities while you hunt for a new job. You can also use the money to supplement your small business. Start small and increase your savings as your financial situation improves.

WHY SHOULD I TRACK MY INCOME AND EXPENSES?

Tracking your income and expenses enable you to get a realistic view of your financial situation. It can pinpoint the amount that is sufficient to cover your living expenses for six months. You can track your cash flow by writing down how much money comes in every month and by writing down your fixed and variable expenses per month.

Do not forget to include recurring expenses such as your rent, utility bills, school fees, and childcare.

WHERE SHALL I PUT MY EMERGENCY FUND?

You can put your emergency fund inside a savings account with a high interest rate and an easy access system. Since an emergency can strike at any time, having quick means to access your funds is crucial. However, you must keep your emergency funds away from your primary bank account. This will help lessen the temptation of dipping into your reserves. Moreover, having a high interest savings account enables you to reap the benefits of compound interest.

HOW CAN I PLAN OUT MY EMERGENCY FUND?

Establishing financial goals and developing a plan to achieve those goals go hand-in-hand. Part of your plan may include specific and realistic targets to work toward. For instance, you may save S$50 per week to put into your emergency fund. Once you have created a robust plan, make sure you follow through.

Sticking to your plan can sometimes be the hardest part of saving for an emergency fund. A good way to stay on track is to save automatically. You may automate your savings and set up a systematic transfer from your primary savings account to your “emergency fund” savings account. Alternatively, you may keep a money jar and label it with: “for emergency use only”.

Sources: 1 & 2

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Partnership comes as more customers are shifting their buying online; online campaigns such as 11.11 and Black Friday expected to boost online spend

United Overseas Bank (UOB) and Shopee have signed a Memorandum of Understanding (MOU) to offer customers more value when they use UOB’s flagship UOB One Credit or Debit cards to make purchases on Shopee’s online marketplace.

The MOU is timely given the surge in online spending this year. Since the start of the year, spend on retail purchases made online by UOB cardmembers has grown close to 50 per cent year on year. In the second quarter of this year when Singapore underwent a circuit breaker period to contain the COVID-19 pandemic, spend made online surged 69 per cent compared to the same period in 2019.

Even as businesses begin to resume operations from July, online spending continues to increase as customers take to the ease of shopping online. Among UOB cardmembers, Shopee has been their preferred choice, with spend made on Shopee outpacing other popular online marketplaces in 2020. For example, spend at Shopee made by cardmembers of UOB’s flagship cashback credit card, the UOB One Card tripled between 2019 and September 2020.

Given the popularity of Shopee among UOB One Cardmembers, the MOU partners have signed up to offer exclusive deals and cash rebates of up to 10 per cent when customers charge their purchases on Shopee to their UOB One Card. The partnership comes as e-commerce campaigns such as 11.11 and Black Friday are expected to draw in more customers looking for value as they shop online.

In addition to exclusive privileges for UOB One Cardmembers, the MOU partners will also explore the use of data analytics and APIs to personalise the customer experience as they shop online and to offer digital payment options that are relevant to the consumer, such as using reward points to offset their purchases.

This could also lead to initiatives such as the integration of Shopee’s features on UOB’s all-in-one mobile banking app, UOB Mighty or vice versa.

Ms Jacquelyn Tan, Head of Group Personal Financial Services, UOB said, “At UOB, our focus is always on how we can make our customers’ purchasing journey simpler, smarter and safer. We have been expanding the exclusive partnerships for our flagship credit card, the UOB One Card, to serve the lifestyle needs of our consumers. Today, UOB One Cardmembers can enjoy exclusive privileges when they shop at any Dairy Farm Group brands, hail a ride or order food delivery with Grab or pay their utilities bills with SP Group.

With Shopee on board as a long-term partner, we now have the largest partner ecosystem in Singapore to enable our customers to derive greater value as they shop online. We are also excited to embark on our commitment with Shopee to explore and to design innovative processes, solutions and services to drive the adoption and usage of online retail and digital payments.”

Mr. Zhou Junjie, Chief Commercial Officer, Shopee, said, “Shopee’s priority has always been to deliver our users with memorable and unique shopping experiences. We utilise a data-driven and hyper-localised approach to cater to consumer needs, resulting in campaigns, offerings, and partnerships that evolve in tandem with ever-changing user demands. Being a proudly homegrown company ourselves, we thus see great synergy in partnering with UOB, one of the largest local banks in both Singapore and Asia, to explore new ways of deepening user engagement. This timely partnership coincides with one of our largest shopping events – the Shopee 11.11 Big Sale – giving us the opportunity to not only bring users the best shopping experience possible, but to also connect, inform, and inspire consumers all across the region.”

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When it comes to skincare, many of us are clueless. Based on hearsay, sometimes we commit skincare regime mistakes and then blame it on bad genes. While skin condition may be hereditary, it also takes effort if you want to achieve flawless skin.

Here are 10 skincare habits that will help you achieve your beauty goals in no time.

#1: Get enough shuteye

A consultant dermatologist, Dr Stephanie Ho, shares that your sleep quality affects your skin’s age. Poor sleep quality may weaken its ability to repair itself from damage such as sunburn. Thus, be sure to get enough rest, ideally a good one at night.

#2: Faithfully apply sunscreen

Image Credits: Depositphotos

According to Dr Ho, prolonged exposure to sun rays result in the early formation of pigmentation, wrinkles, and dryness. All these can lead to initial signs of ageing. To counter it, be sure to include sunscreens in your skincare routine.

#3: Use the right products

Expensive products don’t always do the trick. Manman Chong, education director for Asia at French skincare company Caudalie, points out that using the wrong products might aggravate existing skin problems and conditions. Seek professional help if you’re unsure.

#4: Remove makeup thoroughly

Image Credits: Business Insider

Not correctly removing makeup might result in your pores clogging over time. Makeup artist Clarence Lee recommends us to choose a good cleansing oil. Save time and money since now you do not need to buy separate makeup removers for the eye, lip, and face.

#5: Clean your makeup tools

Talking about makeup, Lee advocates using clean tools. Even if you do not share them with others, bacteria can still form over time due to a certain level of moistness in our makeup products combined with the skin’s natural sebum.

#6: Leave that pimple alone

Image Credits: theogeeclinic.com

Dr Ho remarked that popping pimples does not solve the underlying problem and may lead to infection and even scarring. If you’re facing acne problems, book an appointment with a dermatologist to receive proper topical treatments or oral medication.

#7: Hydrate sufficiently

If dryness, flakiness, and reduced suppleness of the skin is what you detest, then keep up with proper hydration. Dr Ho recommended about 2.7 litres of water for women and 3.7 litres for men. Alternatively, when you feel thirsty or spot a darker urine colour, it’s a sign to drink up.

#8: Go easy on exfoliation

Image Credits: Foreo

In short, exfoliation is not for everyone. Especially for people with sensitive and dry skin, overdoing it can cause inflammation and itchiness. It’s also wise to check your current skincare products for substances like retinoids or benzoyl peroxide.

#9: Give products time to work their magic

Chong suggests giving 28 to 56 days (or four to eight weeks) to decide if a particular skincare product is working for you because healthy skin regenerates in 28 days. Also known as ‘cellular turnover’, it plays a crucial role in bringing out your product’s effectiveness (if any).

#10: Avoid hot water for face wash

Image Credits: Brit + Co

Using hot water for face wash can irritate and strip the skin of natural oils. The ideal water temperature should not be too high or too low since extreme temperatures affect our vulnerable facial skin. Chong proposes using lukewarm water of about 30 degrees Celcius instead.

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