Good ol’ NETS. What immediately comes to mind when we think about NETS is keying your ATM PIN, Singapore’s very own payment mode which we grew up with and is still an essential part of our lives today. NETS and PIN (aka NETS Pin) has become synonymous with what the brand has to offer – we see it in use everywhere we go, from supermarkets to prata shops and departmental stores.

But herein lies a conundrum: most of us do not know much else about NETS beyond NETS Pin. NETS actually has a variety of cashless payment modes such as eNETS, NETS FlashPay, NETS QR and NETS Contactless ATM card to name a few. Today we’ll be talking about NETS Contactless ATM card, which makes retail purchases a breeze during checkout.

What is NETS Contactless ATM card?

As the name suggests, NETS Contactless ATM card allows you to go contactless and tap your ATM card for purchases under S$100 instead of entering your card PIN during payments. It’s fast, seamless, and secure — every contactless card contains a highly sophisticated chip which performs a wide range of functions to maintain the card’s security, and can interact safely with a contactless terminal.

NETS Contactless ATM card is accessible to the majority of residents in Singapore as it’s essentially your ATM card with an added contactless payment function. Tap away using your contactless card without having to worry about tracking your expenditure or incurring late payment charges since payment is directly debited from your bank account.

How do I identify a NETS Contactless ATM card?

• Step 1: Reach for your purse or wallet and grab your ATM card
• Step 2: Make sure you grab one from DBS, OCBC, POSB, UOB, HSBC or Maybank
• Step 3: Look for the NETS tap icon on the face of the card

For DBS/POSB, OCBC and UOB, only the above cards are NETS tap-enabled.

For HSBC & Maybank, NETS Tap icon is located at the back of the card.

Where can I get a NETS Contactless ATM card?

Don’t see the NETS tap icon on your ATM card? You can upgrade to a NETS tap-enabled ATM card by visiting any branch from the participating banks namely DBS/POSB, UOB, OCBC, HSBC and Maybank.

NETS Contactless ATM Card – the one card for your ATM, retail and transit needs.

Enter the wonderful world of cashless payment — from making cash withdrawals at the ATM to making payment at the supermarket, your NETS tap-enabled ATM card is the card to rule them all. What’s more, with a SimplyGo account, it can be used for your transit needs too! Save the hassle of queuing to top up your card and have your travel and fare history at the tip of your fingers.

Who knew commuting could be this easy-breezy?

Do all merchants accept NETS tap payments?

If a merchant accepts NETS, it’s likely that NETS tap payments will be welcomed as well. After all, NETS has more than 120,000 acceptance points islandwide. To be safe, just check in with the merchant before making payment! Supermarkets such as NTUC FairPrice, Sheng Siong, Giant, Cold Storage, and health & beauty retailers such as Watsons and Guardian all accept NETS tap payments. Start enjoying the joy of seamless and secure checkouts today!

Tap to Pay and Win $50 Every Month

What’s more, from now to 31 December 2020, tap to pay with your NETS Contactless ATM card and stand to win $50 every month! Simply spend $30 and be automatically enrolled into the draw.

Bonus: Are you a NETS merchant? Look here!

Hi there, familiar one! Curious to ascertain if your NETS terminal accepts NETS tap payments? You might not be aware of it, but most of our terminals are already embedded with the NETS tap function. Look out for the NETS tap logo on your terminal and have your customers tap their NETS Contactless ATM cards. The payment process and transaction fees are the same as NETS Pin. It’s that simple!

If your NETS terminal doesn’t have a NETS tap icon, it’s time to upgrade it! Contact NETS at info@nets.com.sg to get a complimentary terminal/software upgrade or for any queries you might have.

Pssst: For new merchants, you will also enjoy a 3-month subscription fee waiver when you apply for NETS POS terminal online before 31 December 2020!

The post COVID-19 times – Can I not key my NETS ATM PIN? appeared first on MoneyDigest.sg.

Great offers on musical instruments await you this festive season!

Ready to upgrade your keyboard/guitar — or surprise a loved one with a new instrument for the holidays? For this coming holiday, Yamaha Music offers attractive deals on high quality musical instruments that are simply irresistible! They will be offering some fantastic deals that will be sure to keep you coming for more!

There will be plenty of instruments selling at incredibly low prices including a CLP-745 digital piano at $3,400 and a DTX452 drum set going for $799! In addition, check out the special attractive promotions for Pianos, Digital Keyboards, Brass & Woodwind, Strings, Guitars, Drums, Synthesizers, Audio & Visual, Professional Audio and more. The best things only happen once a year, so don’t miss this one!

• Date: 6 November – 31 December 2020
• Time: 12pm – 9pm
• Venue:
• Plaza Singapura, 68 Orchard Road, #06-01
• – Beatspot Store, 68 Orchard Road, #06-21
  – AV Experience Studio – 68 Orchard Road #06-02
• Thomson Plaza – 301 Upper Thomson Road #03-24
• Tampines Mall – 4 Tampines Central 5 #04-K1-/13/14/15/16
• Westgate – 3 Gateway Drive #04-40

We can’t wait to share some of the mind-blowing deals they have in store for you. Check them out below.

Piano

U1 PE

Usual price: $10,600
Special price: $9500

A perennial favourite among discerning pianists, the Yamaha U1 offers outstanding musical performance, setting the standards by which many other upright pianos are measured.

Digital Piano

CLP-745

Usual Price: $3400

The CLP Series of digital pianos utilizes cutting-edge technology to recreate the experience of performing on a grand piano, allowing the pianist to play the keys with many variations of speed and depth to achieve an unlimited variation in tone and create uniquely personal performances.

Portable Keyboard

PSR-SX600

Usual Price: $1200

PSR-SX600 offers professional features and content at an affordable price, making it an ideal choice for performers, hobbyists, or budding songwriters alike. With intuitive control and high-quality sound, the PSR-SX600 provides everything you need to get started using an arranger workstation keyboard.

Yamaha Digital Saxophone

YDS-150

Usual Price: $1200

The new digital saxophone is a fusion of acoustic and digital technologies. It retains the full expressiveness of the saxophone, yet unlike an acoustic saxophone it can be as quiet as you want, making it more convenient and easier to play.

Yamaha Xeno Trumpet – ‘Chicago’ Series

YTR-9335CHS

Usual Price: $5600
Special Price: $4800

The Chicago Series was developed in close cooperation with John Hagstrom of the Chicago Symphony Orchestra. A fusion of orthodox style and state-of-the-art design achieves free blowing resistance and a tone that is both brilliant and deep.

Yamaha Silent Brass

SLB-300

Usual Price: $5500

The SLB-300 is a brand-new type of electric upright bass that achieves natural sound and resonance by using the SRT POWERED system to simulate studio-quality sound, it delivers realistic acoustic bass sound and playability, unparalleled Silent Bass functionality and is very portable.

Drums

DTX452 with Free Drum stool

Usual Price: $1099
Special Price: $799

Yamaha DTX452 electronic drumkit combines years of experience creating authentic top-quality drum sounds with 10 built-in drumkits.

Synthesizer

Montage 7 (White)

Usual price: $4999
Special price: $3399

Yamaha’s flagship Montage 7 synthesizer streamline your workflow and rockets your sound creation and modulation capabilities up to a whole new level.

Guitar

A1M

Usual Price: $889
Special Price: $699

Designed to be the ideal performance acoustic guitar, the Yamaha A series is crafted from the ground up to be perfectly suited to life on the road.

Pro Audio

HPH-MT7 Headphone

Usual Price: $229
Special price: $75

High-resolution monitor headphones that reproduce even the most subtle nuances of the source sound. In addition to mixing and recording in the studio, the HPH-MT7 headphones are perfect for mix monitoring in live performance applications thanks to their high sound pressure levels and durability.

Audio & Visual

RX-V6A (New Launch)

Usual Price: $1149

This 7.2-channel, 100-Watt AV receiver boldly explores entertainment possibilities for an advanced home theatre with the latest in video and audio, including Dolby Atmos Height Virtualization, DTS:X, wireless streaming and more.

For more information on their Year-End Sale, do check out https://sg.yamaha.com/en/news_events/2020/20201106_year_end_sale_2020.html

The post Yamaha Music’s BIGGEST Year-End Sale is running from 6 Nov – 31 Dec 20 appeared first on MoneyDigest.sg.

Aside from the explosion of rock music and big curls in the 80s, we were introduced to the cashless payment method called the General Interbank Recurring Order (GIRO). GIRO enabled its users to make convenient payments to billing organizations through their bank accounts. Since then, the digital cashless payment options have evolved dramatically. Nowadays, we can purchase items on online stores with a few taps of a button!

Let us get to know the nature and the examples of the e-wallets in Singapore.

HOW E-WALLETS WORK

Electronic wallets, e-wallets, digital wallets, or mobile wallets have taken over our lives in the previous months due to the effects of the global pandemic. E-wallets are virtual wallets, which are in collaboration with financial institutions (e.g., UOB or DBS), mobile service providers (e.g., SingTel), and international companies (e.g., Apple, Google, and Samsung). Many people have turned to cashless transactions to avoid carrying money or to avoid trips to the ATM.

E-wallets allow its users to store credit cards, debit cards, and loyalty cards into your device. Payments are made hassle-free as long as they are connected to your bank accounts or cards. Some e-wallets let you send and receive money through paperless transactions.

THINGS TO CONSIDER BEFORE USING AN E-WALLET

1. Which e-wallet do you want to get?

2. Does your preferred e-wallet have a maximum value that can be stored inside?

3. What is the expiry date for the money inside your potential e-wallet?

4. How much is the maximum value you can transfer out from an e-wallet per transaction?

5. Are there fees involved in top-up and other services?

POPULAR E-WALLETS IN SINGAPORE

1. Apple Pay

Apple Pay handles secure payment transactions between contactless terminals and Apple iOS devices. It can be used in 7-Eleven, Breadtalk, Giant, FairPrice, Uniqlo, and so much more.

2. SingTel Dash

Dash allows you to top-up your Singtel prepaid account or other Dash accounts to pay partner merchants in Singapore, Thailand, and Visa payWave partner merchants worldwide. You may pay online purchases through the Dash Visa Virtual Account and transfer funds within Singapore and to India, Indonesia, Philippines, China, Myanmar, and Bangladesh.

3. GrabPay

As the name suggests, GrabPay can be used to pay for Grab rides, GrabFood deliveries, and selected merchants with the GrabPay QR code. You can also use it with the GrabPay Card where MasterCard is accepted.

4. FavePay

FavePay is a quick and easy way to pay your favorite merchants and get instant cashback. FavePay accepts debit or credit cards (e.g., Visa, MasterCard, and American Express), GrabPay, Paypal, Boost Payment, and Air Asia Big Points. You can use the FavePay for selected merchants with the FavePay QR code.

5. AliPay

AliPay is a global payment platform with over 400 million users around the world. It is backed by the Chinese tech giant Alibaba and uses advanced encryption technology to ensure personal information and online payments are secured. It can be used to cover payments to ComfortDelGro and Prime taxis, Resorts World Sentosa, Metro, Singapore Zoo, Universal Studios, and more.

6. Google Pay

Google Pay is an online payment system developed by Google. It enables its users to pay for transactions with Android devices in-store and on supported websites. You can use it in-store at more than 80,000 checkout counters such as Cheers, Cold Storage, 7-Eleven, NTUC, McDonald’s, and Uniqlo.

7. DBS PayLah!

DBS PayLah! is a personal virtual wallet, which allows you to perform transactions such as Scan and Pay (NETS), funds transfer, QR Code payments, online purchases, and bill payments on-the-go. Discover its functions through the DBS PayLah! app.

8. NETSPay

NETSPay enables you to register your POSB/DBS ATM Card digitally. Once you have stored your cards, you may leave it at home and start paying with your smartphone. You can use this digital wallet to pay selected merchants in Singapore and Alipay Connect-enabled merchants in Japan.

9. EZ-Link Wallet

EZ-Link Wallet is personal mobile wallet within the EZ-Link app. You can use it to make payments conveniently at retail outlets domestically and overseas by scanning a QR Code or at an Alipay Connect-enabled merchant. Moreover, you can earn EZ-Link Rewards points for your transactions.

Image Credits: unsplash.com

Use these information to make thoughtful decisions when it comes to your e-wallet and online payment transactions.

Sources: 1 & 2

The post 9 E-Wallets In Singapore That Let You Buy From Shops Hassle-Free appeared first on MoneyDigest.sg.

Although the Ministry of Manpower has updated its guidelines to allow more employees to return to the workplace, working from home remains to be the default job set-up as it adheres to the social distancing guidelines.

Despite this, not everyone is blessed with a peaceful space at home. Employees have to strike a balance between their personal and professional lives without being distracted with other factors. Concentrating on one’s tasks takes a whole lot of patience and discipline.

If you are looking for a suitable place for a rewarding workcation or a work-from-hotel option to escape the distractions inside your home, look no further than the places found on this list.

1. MANDARIN ORCHARD SINGAPORE

Introduce a new environment to your partner to refresh your minds. Book a Deluxe Room or a Suite at Mandarin Orchard Singapore if you want to work in a space with unlimited high-speed WiFi, refreshments, and 50% off the in-room dining options. Rates start from S$88++.

Mandarin Orchard Singapore offers packages for two through their Deluxe rooms and Suites. The former includes refreshments. While, the Suites include the award-winning restaurant Chatterbox’s signature Mandarin Chicken Rice set for two. Book a room from 7am to 7pm or 9am to 6pm. These packages are available from Monday to Friday (T&Cs apply).

2. MARRIOTT TANG PLAZA HOTEL

Enjoy a rewarding workday by hitting up the Orchard Road for some retail therapy (or Yuletide shopping) and staying in the Marriot Tang Plaza Hotel. It is conveniently located along the Orchard Road shopping belt.

You will be able to work inside a spacious room between 7am to 7pm. The deal includes complimentary parking, in-room beverage-making facilities, access to the hotel’s gym and pool facilities (i.e., by appointment only), and 30% off its dining options. Rates start at S$120++ (T&Cs apply).

3. FURAMA RIVERFRONT

Furama RiverFront indulges its guests with visually-pleasing spaces and comfortable lounges. If you do not want to book a room and prefer working outside of your home, you may consider working at the Furama RiverFront’s common lounge area.

You can get a day pass for S$28 and a monthly pass for S$450. Here are some of the inclusions of the daily pass according to its website (T&Cs apply):

a. $15 dining credits are applicable for all restaurants and food counters within the hotel
b. Free flow of coffee, tea, juices and soft drinks for the Pass Holder and one guest
c. 10% off total bill at any restaurants in the hotel
d. 12% off delivery and takeaways via Furama RiverFront or Furama City Centre’s online menu (food.furama.com) with a minimum order of S$80
e. Free weekday admission voucher to Waka Waka for 1 child
f. 1 Parking coupon for the Pass Holder (i.e., issued upon request)
g. S$10 off Style Theory’s Apparel Starter Plan
h. High-speed WiFi access

4. FAIRMONT SINGAPORE

Whether you are eager to book a room at Fairmont Singapore for work or play, you can enjoy its “Ultimate Daycation” package. For about S$145, you can use the Fairmont Room for two adults and two children. This package is available from Monday to Thursday at 8am to 7pm (T&Cs apply).

Inclusions are unlimited high-speed WiFi for multiple device, beverages, S$75 dining credits. These dining credits can be used at Skai, Mikuni, Prego, Anti:Dote, Clove or for in-room dining options. Guests will also have access to the hotel facilities such as the pool and spa (i.e., advance booking required). This offer is valid until December 30, 2020.

5. FULLERTON HOTEL SINGAPORE

It is not everyday that you can work in a neoclassical building with rich history that dates back to the 20s! The Fullerton Hotel Singapore’s Work From Fullerton package offers 12 hours use of its rooms with access to the hotel’s facilities.

Image Credits: pixabay.com

Inclusions are high-speed WiFi, in-room coffee and tea selection, access to the pool and gym, parking, and a dining credit of S$50. The maximum capacity for a room is three adults or two adults and two children. Inquire now as this package is available until November 30, 2020 only (T&Cs apply).

Sources: 1 & 2

The post 5 Attractive Work-From-Hotel Offers In Singapore appeared first on MoneyDigest.sg.

You can now enjoy your favourite chawanmushi at home

Hands up if chawanmushi is your favourite dish to order when you dine at a Japanese restaurant. This delicate and smooth egg custard is a classic dish from Japan, and is possibly the best comfort food to have when you are craving for something savoury.

Japanese megastore, Don Don Donki, is now selling ready-to-eat chawanmushis at their chilled food section. They come in individual-packed single serving cups or packs of 4s with price starting from $1.5

You can either eat chilled or warm it with boiling water for 5 minutes before consuming.

Here are some of the chawanmushis that are on sale:

As you can see from the label, this Aratama Scallop Chawamushi is a product of Japan.

There are also other type of chawamushis on sale including this from Matsutake.

You can also grab a pack of 4s from Shikino Kaiseki for $6.00 — which also means you are paying $1.50 for each chawamushi.

Click here to locate the nearest Don Don Donki store.

The post Don Don Donki selling ready-to-eat chawanmushis from $1.50 appeared first on MoneyDigest.sg.

Just last week on Nov 9, Pfizer made known that its experimental COVID-19 vaccine was more than 90 per cent effective. Pfizer and German partner BioNTech are the first drugmakers to release such data. But fast forward to today, we have a new player in town and the name to note is Moderna. According to the company, its experimental vaccine is 94.5 per cent effective in preventing COVID-19.

With so much hype surrounding this topic, here are 10 things you need to know about Pfizer’s and Moderna’s COVID-19 vaccines.

Pfizer’s COVID-19 Vaccine

Image Credits: Nikkei Asia

#1: More than 90 per cent effective

As we’ve briefly mentioned in the introduction, Pfizer’s vaccine is more than 90 per cent effective. This means that if 9 out of 10 people were to get the vaccine, they would attain immunity.

This is terrific news for many because previously, health experts have revealed that even a vaccine with an efficacy rating of between 60% to 70% would be a huge thing to rejoice for! Some governments were also ready to approve a vaccine if it only has a 50% efficacy rating. 

But now, Pfizer is raising the stakes with a possible vaccine that could break the virus chain. In fact, Britain’s health minister Matt Hancock mentioned on Nov 16, “We’ll be ready to roll (the Pfizer’s COVID-19 vaccine) out as soon as it comes, we’ll be ready from the first of December…, but more likely is that we may be able to start rolling it out before Christmas.”

#2: Uncertainty on the period of effectiveness

While Pfizer’s vaccine is more than 90 per cent effective, no one knows how long it will be useful for. In other words, we have no idea how long the immunity gained from the vaccine can last us. It could be days, months, or years. Looking on the bright side, maybe it could be forever?

Another unknown factor is its successfulness on the profile of COVID-19 patients. There is little or no evidence that the vaccine works on COVID-19 severe cases, such as people who require hospitalisation for the virus.

#3: Vaccinated people may still carry the disease

Image Credits: LA Times

Talking about uncertainty, there’s the variability that vaccinated people could still carry SARS-CoV-2, the virus that causes COVID-19 and be infectious.

So even if one were to be injected with the vaccine and go about his or her day-to-day activities immune, he or she could still present a threat to others who aren’t vaccinated.

#4: Not a one-and-done deal

It will be delusional to think that it’s a one-shot all kill kind of super vaccine. A person will need at least two doses of the vaccine with a period of three weeks apart.

This could pose potential logistical and supply chain problems because supposedly everyone on earth requires that vaccine, then Pfizer will need to supply about 15 billion doses to meet the demand.

#5: Waiting time needed to get the vaccines

All good things must wait? Well, the economy is looking up for selected countries with the announcement of Pfizer’s initial trial results.

If approved, only 50 million doses would be available by the end of 2020. There’s also an estimate that only 1.3 billion quantities will be ready by the end of 2021. Mind you; there’s an estimate of 7.8 billion people in the world. With double doses needed, the supply vastly falls short.

Also, the need to store the vaccine at temperatures of -70°C or below poses a challenge for some countries, for example, in Asia, Africa, and Latin America who are already battling intense heat.

Moderna’s COVID-19 Vaccine

Image Credits: The Guardian

#6: Has a 94.5 per cent efficacy rate

Based on an interim data from a late-stage trial, Moderna said on Nov 16 that its experimental vaccine is 94.5 per cent effective in preventing COVID-19. This makes them the second US drugmaker to report such outstanding results.

But it’s important to note that the announced rating came after studying only 95 participants out of a total of 30,000 participants. While a little hope keeps the world going, it’s essential to wait for the updated results from the ongoing phase three trial. The outcome can overturn within a few days.

#7: At least two doses of the vaccine needed

If you’ve read the article in full, you would have known that Moderna’s vaccine is similar to Pfizer’s in terms of the doses needed. There will be a few weeks of waiting time required between the first and second shot.

A news report has it that after taking the second dose, a notable proportion of volunteers went through severe aches and pains. To be exact, 10 per cent experienced fatigue that interfered with their daily activities, while another 9 per cent had severe body aches. In response, Moderna feedback that the symptoms were short-lived.

#8: Questions about safety linger

Image Credits: BBC News

Similar to Pfizer’s, Moderna’s vaccine may have potential red flags. Apart from the side effects, as stated above, the public is not yet sure if there are other more severe consequences. For example, there is one possibility that it might cause cancer in the future.

BBC News reported that there are no significant safety concerns at the moment but highlights that nothing is 100% safe. But having said that, the public has nothing to worry about as Moderna can only apply for the US emergency use authorisation (EUA) after a two-month follow-up safety data.

#9: Does not require extreme cold storage

Compared to Pfizer’s COVID-19 vaccine which needs to thrive at extremely low temperatures, Moderna’s can be stored at just -20°C during shipping.

In terms of shipping logistics and distribution, Moderna’s vaccine is much more well-positioned. Once it reaches a distribution centre, the vaccine can be defrosted and stored for up to 30 days in a refrigerator at only 2°C to 8°C. Thus, overcoming one of the most significant limitations of Pfizer’s.

#10: Distribution may start as soon as next month

If the US Food and Drug Administration (FDA) grants Moderna EUA for the vaccine, Americans would probably be in line to get their first vaccination by December. At the time of writing, Pfizer has launched a pilot delivery programme for its experimental COVID-19 vaccine in New Mexico, Rhode Island, Tennessee and Texas.

However, even if Moderna has no green light, at least 20 million doses will still be available in December. This means that about 10 million people, most likely front-line healthcare workers, will receive the vaccine shots.

Vaccines at a glance

Image Credits: BBC News

The post Here are 10 things you need to know about Pfizer’s and Moderna’s COVID-19 vaccines appeared first on MoneyDigest.sg.

ION Orchard’s Black Friday deals are now live – expect twice the pleasure with exclusive 1-for-1 deals, surprises galore with complimentary gifts, and up to 50% off selected products!

Unlock over 100 shopping and dining deals from over 70 brands, including Bacha Coffee, Food Opera, GODIVA, Giorgio Armani Beauty, HEYTEA, and more.

Promotion Period: 6 – 30 November 2020

HEYTEA 喜茶 1-FOR-1 HEYTEA COCOA BOBO

Enjoy 1-for-1 Cocoa Bobo, a chocolatey indulgence that you can’t resist! (U.P. $6.80)

Savour every WHOA-COCOA sip! Treat yourself to a delightful cocoa slushie topped with whipped cream, shaved chocolate curls and everyone’s favourite Brown Bobo that is oh-so-chewy. Available hot and cold.

Terms & Conditions

• Promotion is valid from 6 November to 30 November 2020
• In case of any dispute, HEYTEA Singapore reserves the right of final decision and interpretation
• Not valid in conjunction with other discounts, membership privileges, and promotions unless otherwise stated
• Redeemable via the ION Orchard Mobile App
• Limited to one redemption per ION+ Rewards Member
• While stocks last
• Other T&Cs apply

• Promotion is valid from 6 November to 30 November 2020
• To qualify for this promotion, the purchased lunch set must be equal in value or higher than the complimentary Gyu Don Set (U.P. $11.90) or Roasted Mackerel Set (U.P. $10.90).
• Valid for dine-in only on weekdays, from 11.30 am to 5 pm (excluding eve of and Public Holidays)
• Limited to the first 120 redemptions (20 redemptions per day, while servings last), and one redemption per ION+ Rewards Member
• Limited to two redemptions per table / no splitting of bills allowed
• Not valid in conjunction with other discounts, membership privileges, and promotions unless otherwise stated
• Redeemable exclusively via the ION Orchard Mobile App
• While stocks last
• Other T&Cs apply

TCC – THE CONNOISSEUR CONCERTO 1-FOR-1 CREAMY CHICKEN AND MUSHROOM SPAGHETTI

Enjoy 1-for-1 Creamy Chicken and Mushroom Spaghetti (U.P. $18.90), exclusively at ION Orchard.

Terms & Conditions

• Promotion is valid from 6 November to 30 November 2020, on weekdays only
• Valid for the first 100 redemptions (while servings last), and one redemption per ION+ Rewards Member
• For dine-in and takeaway
• Prices are subject to service charge and prevailing government taxes
• Not valid for further discount or TCC Rewards+ program
• Images are for illustration purpose only, presentation and serving portion may vary
• The management reserves the right to amend the terms and conditions without prior notice
• Redeemable exclusively via the ION Orchard Mobile App
• Other T&Cs apply

TOAST BOX 1-FOR-1 CURRY CHICKEN WITH RICE

Enjoy 1-for-1 Curry Chicken with Rice at Toast Box (U.P. $6.60), exclusively at ION Orchard.

Terms & Conditions

• Promotion is valid from 6 November to 30 November 2020
• Promotion is only available on weekdays (Mondays to Thursdays) from 6pm onwards
• Promotion is valid for Curry Chicken with Rice (ala-carte) only
• Limited to the first 100 redemptions (while servings last), and one redemption per ION+ Rewards Member
• Visuals are for illustration purposes only
• Other T&Cs apply

EACH A CUP 1-FOR-1 LARGE CHEESE MILK BLACK TEA

Enjoy 1-for-1 Large Cheese Milk Black Tea (U.P. $4.50 each), exclusively at ION Orchard.

Terms & Conditions

• Promotion is valid from 6 November to 30 November 2020
• No customisations allowed; with the exception of sugar level
• Redeemable exclusively via the ION Orchard Mobile App
• Limited to the first 200 redemptions, and one redemption per ION+ Rewards Member
• Other T&Cs apply

HONG KONG SHENG KEE DESSERT 1-FOR-1 SIGNATURE HK WANTON NOODLE + HOT HONEY LEMON

Enjoy 1-for-1 Signature HK Wanton Noodle (Soup/Dry) and Hot Honey Lemon (U.P. $9.40), exclusively at ION Orchard.

Terms & Conditions

• Promotion is valid on Weekdays only between 6 November to 30 November 2020
• Prices are subject to GST and service charge for the payable item
• Cannot be combined with other promotions
• This 1-for-1 eVoucher must be presented prior to ordering/purchasing
• This eVoucher must be fully utilised to the value indicated; any balance will not be refunded
• This eVoucher is not refundable and non-exchangeable for any form of cash or credit
• All information is correct at the time of updating and the Terms and Conditions may be amended without prior notice
• Hong Kong Sheng Kee Dessert reserves the right to cancel suspicious orders without prior notice
• Limited to one redemption per ION+ Rewards Member
• While stocks last
• Other T&Cs apply

GODIVA BELGIUM 1926 1-FOR-1 GODIVA SHAKES

Enjoy 1-for-1 GODIVA shakes. Select from 4 delectable flavours – Milk Chocolate Shake, Dark Chocolate Shake, Cold Brew Shake and Sesame Caramel Shake.

Terms & Conditions

• Promotion is valid from 9 November to 30 November 2020, on weekdays (Monday – Thursday) only
• Limited to 20 redemptions per day
• Applicable to Shakes only
• Not valid with VIP privileges & other promotions
• Picture is for reference only
• Shakes flavours are subjected to availability
• In case of disputes, the decision of Godiva Chocolatier (Asia) Limited shall be final and binding
• Redeemable exclusively via the ION Orchard Mobile App
• Limited to one redemption per ION+ Rewards Member
• While stocks last
• Other T&Cs apply

HAAGEN-DAZS 1-FOR-1 PARFAIT

Enjoy two Haagen Dazs parfaits for the price of one ($14.90), exclusively at ION Orchard! Available for takeaway on weekdays only.

Terms & Conditions

•  Promotion is valid from 6 November to 30 November 2020
• Limited to the first 268 redemptions (while stocks last), and limited to one redemption per ION+ Rewards Member
• Not to be used in conjunction with other promotional programs, vouchers, offers and VIP privileges
• Valid for takeaway on weekdays only
• Redeemable exclusively via the ION Orchard Mobile App
• Other T&Cs apply

TWG TEA 1-FOR-1 ICED TEABAGS

Enjoy 1-for-1 Iced Teabags at TWG Tea.

Terms & Conditions

• Promotion is valid from 6 November to 30 November 2020
• TWG Tea management reserves the right to amend the terms & conditions without prior notice
• Redeemable exclusively via the ION Orchard Mobile App
• While stocks last
• Other T&Cs apply

VIOLET OON 1-FOR-1 WEEKDAY SPECIAL DEALS

Enjoy 1-for-1 for the following dishes:

1. 1-for-1 Dry Laksa (U.P. $26)
2. 1-for-1 Roasted Sarawak Black Pepper Tiger Prawn Pasta (U.P. $26)
3. Beef Hor Fun (U.P. $26)
4. Salmon with Kale Kerabu (U.P. $26)

Terms & Conditions

• This promotion is valid from 6 November to 30 November 2020, from Mondays to Thursdays, dinner only (6pm- 9pm)
• Redeemable exclusively via the ION Orchard Mobile App
• Limited to the first 153 redemptions (while servings last), and one redemption per ION+ Rewards Member
• Other T&Cs apply

There are other deals that are listed on the ION Orchard app and they include:

1. Converse: 1-for-1 Selected Tees
2. Aldo: 1-for-1 Selected Items
3. Bacha Coffee: $20 off 2 Decaffeinated Coffee
4. Shiseido: 1-for-1 Cushion Refill, Lipstick
5. Braun Buffel: Purchase 2 Items at $199
6. Chow Tai Fook: Enjoy 8% off
7. Crate and Barrel: 15% off Storewide
8. Crumpler: Enjoy $50 off
9. Epicentre: 50% Off Jabra Elite 65T
10. Gregory: 1-for-1 Casual Day Backpack
11. Fila: Enjoy 30% off
12. Fred Perry: Enjoy 25% off regular items
13. .. and more

Click here for more details.

The post ION Orchard’s Black Friday Deals Has 1-For-1 HEYTEA, Godiva and more (Now till 30 Nov 20) appeared first on MoneyDigest.sg.

Looking for exciting stayover ideas and meaningful activities to bond with your family this year-end?

Changi Airport Group has announced in a Facebook post that they are rolling out a series of unique experiences and activities this upcoming holidays. From glamping at Jewel Changi Airport to educational family camps in Changi Experience Studio, there is something for everyone!

Glamping and glampcation

You can spend a night at the airport and enjoy a glampcation under the stars.

Glamp-cation in the Clouds

For the first time ever, experience a magical night under the stars glamping on Cloud9 and wake up to the refreshing view of the majestic HSBC Rain Vortex. Even without going on an overseas holiday, you can escape the hustle and bustle of urban life with a truly unique glamping getaway in a garden setting.

Booking period: 20 November 2020 – 3 January 2021​

Venue: Jewel Changi Airport, Cloud9 Piazza, Level 5

Check-In and Check-Out

• Check-in: 7.00pm
• Check-out: 10.00am next day

Amenities

*An additional single bed will be set up if there are more than 2 pax per tent booking.

**75 min use of shower facilities per glamp-tent booking at Changi Lounge. Guests shall book slots, available on first-come, first-served basis, upon check-in. Time slots available from 1800HR to 2230HR

Please click on booking button to view add-on options.

Exclusive Perks

• Changi Experience Studio tickets (Single Day Entry Ticket)
• Canopy Park tickets (Single Day Entry)
• Sparkling Christmas at Jewel (Shiseido Forest Valley Entry)
• Jurassic Mile Dino Plush Toy

Specifications

• Each glamp-tent (4m diameter) is recommended for:
  • 3 adults; or
  • 2 adults and 2 children

Pricing

• Weekdays (Mon – Thu): $320 per night
• Weekends (Fri- Sun, PH and Eves of PH): $360 per night

Glamp-cation at Shiseido Forest Valley

the night at Jewel’s Shiseido Forest Valley this festive season! Enjoy an exclusive overnight stay with your loved ones after a fun day out at Jewel. Slots are limited, hurry and book now!

Booking period: 20 November 2020 – 3 January 2021​

Venue: Jewel Changi Airport, Forest Valley, L1

Check-In and Check-Out

• Check-in: 11.30pm
• Check-out: 9.00am next day

Amenities 

All images by Changi Airport.

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

The post Changi Airport offers glampcation that lets you spend a night at Jewel in comfortable tents 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 a 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 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 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 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+ 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 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.

Are you surviving the wet weather well? The Meteorological Service Singapore (MSS) said on Nov 16 that rain is to be expected for the rest of November. So, remember to bring along your brollies before heading out to get your groceries this week.

Speaking of groceries, we’re looking at up to 48% savings at FairPrice with must-buy items like Ben & Jerry’s ice cream bundle, 1-for-1 Buitoni frozen pizza, and more!

Let’s roll with the deals.

#1: Ben & Jerry’s Ice Cream – New York Super Fudge Chunk

Sale Price: 3 for S$29.50

Usual Price: S$13.90

Savings: S$12.20

At 3 for S$29.50, a tub of Ben & Jerry’s Ice Cream is only about S$9.83, a price much lower than its original tag of S$13.90. Spotlighting the New York Super Fudge Chunk, it’s going to be a favourite among people who love chocolate ice cream filled with white & dark fudge chunks, pecans, walnuts, and fudge-covered almonds.

#2: Buitoni Thin Crust Pizza – Four Cheese

Sale Price: 2 for S$9.95

Usual Price: S$9.95

Savings: S$9.95

Here’s a 1-for-1 deal to sweeten up your hot and humid November. Peeps who adore thin-crust pizzas should not miss out this buy 1 get 1 free deal from Buitoni. Especially for fans of cheese, this Four Cheese combination will leave you wanting for more. It contains Emmental cheese, hard cheese, blue cheese, and the classic mozzarella cheese.

#3: Antonella Whole Peeled Tomato

Sale Price: 2 for S$2.30

Usual Price: S$2.30

Savings: S$2.30

Here’s another 1-for-1 item you can consider to get while doing grocery shopping this week. Instead of peeling tomatoes yourself, get this can of whole peeled tomatoes to whip up some quick sweet tomato chilli sauce, tomato-based quinoa, or savoury salsa sauce. You can also use the can of tomatoes to make a bowl of delicious minestrone or flavourful meatballs.

#4: FairPrice Frozen Pak Satay with Gravy – Chicken (Pan Fry)

Sale Price: 2 for S$12.90

Usual Price: S$7.35

Savings: S$1.80

So you’re having your friends or relatives over this weekend but still undecided on what to serve on the table? How about some mouthwatering satay for a quick snack? FairPrice Frozen Pak Satay comes with gravy and is available in both chicken and beef variety. Serve with rice or get the S&P Santan Rice Ketupat from FairPrice to complete the experience!

#5: Dettol Anti-Bacterial pH-Balanced Body Wash – Original

Sale Price: 2 for S$11.85

Usual Price: S$10.50

Savings: S$9.15

As of 12pm on Nov 18, Singapore has reported only 5 new COVID-19 infections. We rejoice for a little because there have been no locally transmitted cases for the eighth consecutive day. But still, it’s wise not to let our guard down. Continue to keep up with proper hygiene habits and use the Dettol Anti-Bacterial pH-Balanced Body Wash to keep germs at bay daily!

Other must-buy items from now till 25 November 2020

Save more with FairPrice’s weekly saver deals till 25 November 2020

The post FairPrice: Save up to 48% with must-buy items from now till 25 November 2020 appeared first on MoneyDigest.sg.

The veteran celebrity together with Julie Tan and UFM100.3 DJ Luo Kemin, will also showcase Taste Gourmet Market Exceptional Range of Christmas Offerings

Be the first to try Ah Ge Li Nanxing specialty – Ah Ge’s Curry Chicken

Kick off the festive season with an exclusive 1-for-1 promotion from 21 to 22 November

It’s the festive season and it’s time to gather your loved ones for a delicious season of feasting! This November, Ah Ge Li Nanxing unveils Bakers & Co., a first-ever exclusive collaboration of its kind with Taste.

The highlights at Bakers & Co. are Ah Ge Li Nanxing’s specialty dish, Ah Ge’s Curry Chicken Set ($9.90) and Ah Ge’s Dried Scallop Hae Bee Hiam with Croissant (set of 3 for $7.90), lovingly prepared using his family heirloom recipes handed down through generations, with Ah Ge adding his own take to the dishes and generously sharing a taste of his childhood to all during this festive season. Savouring these dishes always bring back fond and nostalgic memories for Ah Ge, who grew up enjoying them. The curry chicken comes with a side of baguette bread, the ultimate comfort food. Ah Ge’s Dried Scallop Hae Bee Hiam with Croissant is packed with robust flavours, packing a punch in every bite.

Newly opened – Bakers & Co.

A wide assortment of European and Asian pastries and breads are available at Bakers & Co. Taste Ah Ge’s curated pastries and breads, which he personally tried numerous times before handpicking over 50 selections of pastries and breads. Specially curated breads include Blueberry Cream Cheese, Chocolate Banana Bread and Cinnamon Roll.

From right to left: Constance Song, Li Nanxing and Julie Tan

Christmas Festive Offerings at Taste Gourmet Market

Taste Gourmet Market will also be launching its Christmas offerings and it has everything you need for a memorable year-end celebration! Put together by a master butcher with over 10 years of culinary experience, Taste’s Christmas catalogue is set to showcase an exceptional range of offerings, including the brand’s first-ever dishes, traditional must-haves as well as Japanese sushi and sashimi platters. New and exclusive dishes include Sake Kurobuta Ham, Slow-cooked Peppery Beef Pastrami and Roasted Beef Ribeye with Homemade Herbs Mustard with Shallot & Thyme sauce. A returning favourite is the Guinness Beef Sausage.

Swiss Butchery Meats By Master Butchers – *NEW* Festive Selections

Signature Spice Rubbed Whole Turkey (4.5-5.4kg) with Giblet Sauce (500g) & Cranberry Sauce (300g) ($138 1kg)

The most delectable Christmas items from whole turkeys, to specialty sake-infused hams and beer sausages are available from all outlets – Taste Supermarket and Swiss Butchery – powered by Far Ocean.

One of Singapore’s pioneering premium butchers in 1994, Swiss Butchery is a household name well known for its high quality gourmet delicacies that are a cut above the rest. Pamper your loved ones with the selection of premium festive meats by Swiss Butchery’s master butchers. New to this year’s festive offering is the Signature Spice Rubbed Whole Turkey (4.5-5.4kg) with Giblet Sauce (500g) & Cranberry Sauce (300g) ($138 1kg), a must-have centrepiece for your festive gatherings this holiday season. There is also the classic Smoked Whole Turkey, which is accompanied with giblet sauce and cranberry sauce.

Known for its specialty alcohol series, take your pick from these new options – Sake Kurobuta Ham ($48 1kg), infused with sake and deeply flavourful – a guaranteed crowd pleaser. For Guinness lovers, you will definitely enjoy the Guinness Beef Sausage ($20 600g). Be spoilt for choice as signature classics such as the Honey Baked Ham ($38 1kg), Hickory Smoked Garlic Sausage ($14 400g), and more are also available for order.

Meat lovers, rejoice! Feast on the Roast Beef Ribeye with Homemade Herbs Mustard (1.6kg), complete with Shallot and Thyme Sauce (300g) at $138, or opt for the juicy and tasty Slow-Cooked Peppery Beef Pastrami ($48 1kg).

Christmas Sashimi & Sushi Platters

Add a Japanese flair to your yuletide feast with sushi and sashimi platters from SENS Sushi and Grill handcrafted by Chef Kent, who has trained in Japan and worked in various five-star hotels and restaurants, with over 25 years of experience. Great for sharing in groups, SENS Sushi & Grill carries a selection of delectable sashimi & sushi festive sets that suit every party, with prices starting from $44 for a sushi platter for 2 to 4 pax. Platters are available for cosy groups of 4 to big parties of 10, definitely a welcome addition to any party. Enjoy $10 off a selection of Japanese sake, whisky, gin and more when you purchase any sashimi or sushi platter.

The festive line-up this year also includes a wide array of chocolates, confectionary and cakes from Taste Singapore’s collection and specially curated festive hampers. On top of the Christmas sweets, Taste Singapore is also proud to carry a wide array of high quality wines and Japanese sakes, providing endless option for food and wine pairings.

This Christmas season, spread the festive cheer, share good tidings and savour the must-try dishes at Taste Singapore – Ah Ge’s Li Nanxing’s specialty dish, Curry Chicken, Hae Bee Hiam sauce and Swiss Butchery Meats By Master Butchers.

[Festive Promotion] 1-FOR-1 for one Weekend only!

For one weekend only from 21 to 22 November, Taste will be having an all-day long in-store 1-FOR-1 promotion for:

• Ah Ge Li Nanxing’s Dried Scallop Hae Bee Hiam with Croissant (UP: Set of 3 for $7.90)
• Gourmet Sake Kurobuta Ham 200g (UP: $8.90) *Exclusive Item
• Premium Guinness Beef Sausage 200g (UP: $6.90)

[Festive Promotion] Early Bird Special Promotion

For all early-bird purchases from now until 8th December, shoppers get 15% discount off all items in their orders with minimum nett purchase of $150! For online purchases, simply key in the discount code: XMAS20 to enjoy the 15% early-bird discount.

Additionally, there will be free delivery for all orders above $150.

Terms and conditions:

• Last day of pre-order is 20th December 2020.
• Last day of collection is 1st Jan 2021.
• Kindly allow 4 working days for processing before delivery or pick-up.

[SENS Sushi & Grill Promotion] SENS x The House of Suntory Promotion

Enjoy a free SENS Sashimi Platter (worth $60) with any purchase of a bottle of Haku/Roku/Chita at $85 each. The free sashimi platter will be curated based on fresh imports of the day. Valid for dine-in only, at SENS Sushi & Grill

Choose from any of the premium selection from the house of Suntory!

• HAKU Vodka – Japanese Vodka made 100% from Japanese rice
• ROKU Gin – Japanese Gin, made from 6 unique Japanese botanicals
• CHITA Whisky – The Single Grain Whisky

The post Ah Ge’s Curry Chicken at Bakers & Co., a bakery in collaboration with Taste Gourmet Market appeared first on MoneyDigest.sg.

Let It Snow! Let It Snow! Let It Snow!

Tis’ the season to experience a magical Christmas at Jewel Changi Airport.

Jewel Changi Airport is bringing us a one-of-a-kind snowfall experience this festive season so that we can enjoy the thrill of winter this yuletide without having to travel abroad. “Blizzards” of snow will descend at Shiseido Forest Valley at different intervals at 6.30pm, 7.30pm, 8.30pm, 9.30pm and 10.30pm from 19 November 2020 to 3 January 2021.

To enter Shiseido Forest Valley during this period will require a presentation of a qualifying receipt at the entrance. Every $30 nett spend at Jewel Changi Airport can admits 2 persons on the same day. Admission is free for children below the age of 3.

Once you enter Shiseido Forest Valley from the 16-metre tall Christmas Tree, you can explore different themed-areas such as the Santa’s Workshop, Fireplace and Santa’s Sleigh to take insta-worthy photographs.

Here’s what you can expect:

For more information, click here.

Terms & Conditions

• Every $30 nett spend at Jewel Changi Airport admits 2 persons to Shiseido Forest Valley on the same day.
• Admission is from 6pm to 11pm daily (last admission at 10.30pm).
• All redemptions must be made on the same day of purchase.
• Please bring the qualifying receipt(s) to the Xmas tree at Level 1 entrance (next to Violet Oon) for the redemption.
• Admission is free for children below the age of 3, with an accompanying adult who has a qualifying receipt.
• Receipts are for single-use and no re-entry is allowed.
• Other terms and conditions by Jewel Changi Airport apply.

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

The post You can experience snowfall at Jewel Changi Airport from 19 Nov 20 – 3 Jan 21 appeared first on MoneyDigest.sg.

Exclusive 1-for-1 opening specials this weekend on 21 and 22 November

It’s the festive season and it’s time to gather your loved ones for a delicious season of feasting! Yesterday, Ah Ge Li Nanxing unveiled Bakers & Co., a first-ever exclusive collaboration of its kind with Taste. The bakery’s opening was graced by Celebrity friends Julie Tan, Luo Kemin, Constance Song and many more! His celebrity friends gave their thumb-up for Ah Ge’s offerings.

The highlights at Bakers & Co. are Ah Ge Li Nanxing’s specialty dishes, Ah Ge’s Curry Chicken Set ($9.90) and Ah Ge’s Dried Scallop Hae Bee Hiam with Croissant (set of 3 for $7.90), lovingly prepared using his family heirloom recipes handed down through generations, with Ah Ge adding his own take to the dishes and generously sharing a taste of his childhood to all. Savouring these dishes always bring back fond and nostalgic memories for Ah Ge, who grew up enjoying them. The curry chicken comes with a side of baguette bread, the ultimate comfort food. Ah Ge’s Dried Scallop Hae Bee Hiam with Croissant is a wonderful combination, packing a punch of robust flavours in every bite.

A wide assortment of European and Asian pastries and breads are available at Bakers & Co. Taste Ah Ge’s curated pastries and breads, which he personally tried numerous times before handpicking over 50 selections of pastries and breads. Specially curated breads include Blueberry Cream Cheese, Chocolate Banana Bread and Cinnamon Roll.

[Opening Promotion] 1-FOR-1 for one Weekend only!

For one weekend only from 21 to 22 November, Taste x Bakers & Co. will be having an all-day long in-store 1-FOR-1 promotion for:

• Ah Ge Li Nanxing’s Dried Scallop Hae Bee Hiam with Croissant (UP: Set of 3 for $7.90)
• Gourmet Sake Kurobuta Ham 200g (UP: $8.90) *Exclusive Item
• Premium Guinness Beef Sausage 200g (UP: $6.90)

[Festive Promotion] Early Bird Special Promotion

For all early-bird purchases from now until 8^th December, shoppers get 15% discount off all items in their orders with minimum nett purchase of $150! For online purchases, simply key in the discount code: XMAS20 to enjoy the 15% early-bird discount.

Additionally, there will be free delivery for all orders above $150.

Terms and conditions:

• Last day of pre-order is 20^th December 2020.
• Last day of collection is 1^st Jan 2021.
• Kindly allow 4 working days for processing before delivery or pick-up.

Address: Basement 1 of Raffles Holland V Mall, 118 Holland Avenue, Singapore 278997

The post Celebrity Ah Ge Li Nanxing offers 1-for-1 Opening Specials this weekend (21 & 22 Nov) at Taste Gourmet Market and Bakers & Co. appeared first on MoneyDigest.sg.

Yay, an exclusive 1-for-1 treat is coming

From 23 to 26 November, enjoy a 1-for-1 treat on all Venti-sized Chocolate Chip Frappucino, Java Chip Frappucino and Green Tea Frappuccino at all Starbucks Singapore stores (except for stores located at Changi Airport including Jewel).

To redeem the offer, simply make payment with your Starbucks Card.

Share this 1-for-1 promo with your friends and loved ones!

Terms & Conditions

*Redeemable when you pay with your Starbucks Card. Valid from 23 – 26 Nov 2020 (Mon – Thu) only on Venti-sized Chocolate Chip Frappuccino®, Java Chip Frappuccino® and Green Tea Frappuccino® at all Starbucks Singapore stores (except for stores located at Changi Airport including Jewel). Limited to three vouchers per member, each voucher for a one-time use only. Limited to 1 redemption per voucher. Offer is while stocks last. Offer is exclusive to your Starbucks account and is non-transferable. Not valid on Mobile Order & Pay, delivery orders or with any other promotions or privileges. Other terms and conditions apply.

The post 1-FOR-1 Chocolate Chip, Java Chip & Green Tea Frappucino at Starbucks from 23 – 26 November 2020 appeared first on MoneyDigest.sg.

In celebration of Hong Kong Sheng Kee Dessert’s 10th year anniversary, more than 10 new savoury dishes will be launched on 19 November 2020 to tantalize the taste buds of Singaporeans! Well-loved by customers for its premium Kurobuta pork and fresh prawn Wanton Noodle, Senior Executive Chef Chan Wing Kin specially created a selection of Mala Soup Noodles that uses the secret recipe Jinhua Ham broth and mala spices for the mala soup!

A selection of mind-numbingly good Mala Soup Noodles including Seafood Mala Soup Noodle, Sliced Pork Belly Mala Soup Noodle and Luncheon Meat and Egg Mala Soup Noodle will be introduced in the new menu.

Luncheon Meat and Egg Mala Soup Noodle

Another must try new dish is the Seafood Dry noodle that comes with an array of seafood with Hong Kong imported springy egg noodle tossed in secret recipe fish fragrant sauce.

Seafood Dry Noodles

Other new dishes that cater to rice lovers include Sheng Kee Golden Fried Rice and Steamed Pork Rib Rice.

Golden Fried Rice

For 4 days only (23 to 26 November 2020), enjoy any 2 of the newly launched rice or noodle dishes for only $10! Customers can also indulge in free flow of Hong Kong Sheng Kee Dessert’s all-time favourite SK Mango Pomelo Sago dessert as part of the $10 deal. Simply flash the promotional image to enjoy the deal at any Hong Kong Sheng Kee Dessert outlet! Terms and conditions apply.

Outlets

1. Ang Mo Kio Ang Mo Kio Hub – 53 Ang Mo Kio Avenue 3, #B2-36 S569933
2. Bedok Mall Bedok Mall – 311 New Upper Changi Road, #B2-24 S467360
3. Causeway Point Causeway Point – 1 Woodlands Square, #B1-24 S738099
4. Compass One Compass One – 1 Sengkang Square, #B1-47 S545078
5. Hillion Mall Hillion Mall – 17 Petir Road, #B2-47 S678278
6. IMM IMM – 2 Jurong East Street 21, #01-49 S609601
7. ION Orchard ION Orchard Mall – 2 Orchard Turn, #B4-58/59 S238801
8. Lot One Lot One – 21 Choa Chu Kang Avenue 4, #B1-K10 S689812
9. NEX NEX – 23 Serangoon Central, #B1-46 S556083
10. Northpoint City Northpoint City – 930 Yishun Avenue 2, #B1-155 S769098
11. Raffles City Shopping Centre Raffles City Shopping Centre – 252 North Bridge Road, #B1-79 S179103
12. Tampines 1 Tampines 1 – 10 Tampines Central 1, #B1-K12 S529536
13. The CentrePoint The CentrePoint – 176 Orchard Road, #B1-14 S238843
14. Tiong Bahru Plaza 298 Tiong Bahru Rd, #02-137 S168732

LAST DAY: Get FREE Apple Watch SE (worth $419) When You Apply For The Following Credit Cards From 1 – 22 Nov 20

The post Pay $10 for 2 Mains + Free Flow Mango Pomelo Sago at Hong Kong Sheng Kee Dessert from 23 – 26 Nov 20 appeared first on MoneyDigest.sg.

A habit is defined as a settled tendency or a usual manner of behavior. Whether you take daily morning walks or sip a cup of coffee at noon, your habits become nearly or completely involuntary as time passes.

The key to developing healthy habits that float well with your finances is moderation. If you are indulging too often on a habit, cutting back may save you money and protect your health. Below are just some of the habits that can drain your wallet.

SMOKING CIGARETTES

Smoking raises your risks of serious health problems such as stroke, heart disease, emphysema, and cancer. According to the Centers for Disease Control and Prevention, smoking cigarettes harms nearly every organ of one’s body. Take care of your health by reducing or eliminating your smoking habit.

Let us start with the average cost of a cigarette. Last year, the average retail price for a 20-stick pack of cigarettes in Singapore was at S$13.08. A pack-a-day habit will run you about S$4774.02 a year. Imagine the amount of money you can save or invest in a span of 12 months!

Quitting smoking cancels out the costs for your finances and your health. However, it is easier said than done. There are several ways to quit smoking such as Cold Turkey and Cognitive Behavioral Therapy. Cold Turkey entails that you stop all at once. According to WebMD, about 90% of smokers who try to quit choose this method. Unfortunately, many of them do not succeed. Using this method may put your body into a state of nicotine withdrawal. Let us focus on the other method. The Cognitive Behavioral Therapy (CBT) uses the power of your thoughts, feelings, and mental processing in order to reduce your smoking habit. This works best with people who are open to counselling and psychotherapy.

EATING OUT DAILY

Eating out regularly, especially indulging on fast food, is not the healthiest habit out there. It is simply hard to resist! This is due to the convenience and familiarity attached to fast food chains and restaurants. After an exhausting day at work, we just want to relax at home and not spend more time for cooking dinner. It is a lot easier to order a box of pizza or a bowl of ramen with a few taps on an app!

Despite the great deals that fast food chains offer, eating out is more expensive than cooking your own food. A five-dollar meal may not seem expensive, but the costs add up. If you eat out on a daily basis, you can consume about S$35 to S$100 in a week. Reduce your spending by planning your meals ahead of time and preparing on-the-go snacks (e.g., sliced apples or fruit-filled yogurts).

DRINKING ARTISAN COFFEE

Consumed on a daily basis, artisan and gourmet coffees can get expensive. For many people, drinking a cup of joe in the morning seems like second-nature. They wake up and smell coffee. I have several friends who cannot function properly in the morning without having their cup of coffee. And it is not just the smell that wakes them up. It is the caffeine.

It may seem relatively cheap to spend a few bucks a day at a local coffee shop. However, you must consider all the money that you could have saved if you brewed your own coffee at home.

REGULAR GROCERY SHOPPING

Some people have a habit of shopping for groceries on a daily basis. A good way to ensure that you stick to your grocery budget is to restrict yourself to one grocery trip per week. Frequent trips to the grocery store throughout the week can make you tempted to buy more than what you need. Making a routine of hitting up the grocery whenever you forget something indicates that you do not have a proper grasp of your consumption. It is best to plan ahead!

Avoid grocery shopping when you are hungry or when you have an ample amount of time to spare. People are more susceptible to purchasing additional items when they are hungry or when they go for leisurely shopping. These unnecessary items usually go to waste.

CONSUMING ENERGY DRINKS

People who have a tendency to purchase a bottle of energy drink everyday may develop a tolerance towards it. Chances are, you will need to drink more than a bottle per day to keep you buzzed all throughout. That can cost you more than .50 cents a day. Is it time for you to kick out your energy drink habit?

Image Credits: pixabay.com

If you need the energy drink to keep you active throughout the day in compensation of sleep deprivation then, you need to alter your sleeping habits. You will not feel exhausted at work with a full cycle of sleep. If fatigue persists, you may consult a doctor.

Sources: 1 & 2

The post 5 Habits That Drain Your Wallet appeared first on MoneyDigest.sg.

It comes as no surprise that today’s workforce is constantly changing and adapting with the needs of our environment. Technology-driven careers are becoming more and more in-demand these days. No matter which field you choose to take part in, having certain skills can increase your likelihood of success.

Consider sharpening these coveted skills:

#1: CLOUD COMPUTING SKILLS

Who does not know the Cloud? Almost all our data are stored in the Cloud. Cloud computing allows access to data storage, software applications, and other services powered by the Internet. Skills in Cloud computing are sought after due to the increasing number of companies that switched its business functions to the remote servers.

Cloud computing requires technical skills to ensure data security, to perform migrations, to negotiate terms with Cloud service providers, and to implement the best practices throughout the process.

#2: ANALYTICAL REASONING

Analytical reasoning is the ability to make sense of the data gathered and to uncover insights that can help business decisions. You already utilize analytical reasoning in your day-to-day lives. Detecting patterns, observing people, brainstorming, interpreting data, making decisions based on several factors, and integrating new information are all required in shaping one’s analytical reasoning.

People who have strong analytical reasoning skills are assets to the company as they investigate the problem and find solutions in an efficient manner. They understand the situation first before making decisions and taking necessary actions to help achieve the company’s goals.

#3: MOBILE APP DEVELOPMENT SKILLS

As smartphones and other mobile devices become the center of our communication an job processes, the industry for mobile application development continues to thrive. More and more businesses have converted their consumer experiences and internal processes digitally. Thus, people with experience and knowledge in app development are in-demand.

Mobile app development is a set of procedures involving programming and creating applications or designing software for fast-operating mobile devices. Because apps are so common, you can find plenty of tutorials and classes for app creation. Check out coding boot camps to kickstart your app development career.

#4: PEOPLE MANAGEMENT SKILLS

Despite the technological advancements and the social distancing restrictions posed around the world, people management skills help strengthen the business. Strong people management skills involve building relationships, keeping the team on track, increasing the team’s morale, and helping others achieve their goals.

People management includes the use of both soft and hard skills. We need people who can help us deal with work stress and empathize with us, especially during this challenging times.

#5: UX DESIGN SKILLS

User experience design is essential in making the digital world work for us. UX design is important because it aims to fulfill the people’s needs. Moreover, providing positive experiences to the clients can increase the likelihood of them coming back to the website itself. You can find an increasing number of opportunities in this field. If you want to gain advantage in this field, you can enroll in an online degree program led by UX experts.

#6: SEO/SEM MARKETING SKILLS

Digital marketing (SEO/SEM marketing) help increase the visibility or the web presence of companies and start-ups. People who are experts on the field can help blossoming online retailers to get noticed. Being noticed and having more site traffic leads to increased customers and revenue. Many companies are realizing the importance of digital marketing and are regularly looing for people with strong SEO/SEM marketing skills.

Image Credits: pixabay.com

Try exploring the digital marketing courses available at Google Digital Garage. Most of them are free!

Sources: 1 & 2

The post 6 Skills With High Demand In Today’s Workforce appeared first on MoneyDigest.sg.

The outlet will now offer the 10 dishes previously exclusive at NEX outlet

YUN NANS Westgate is celebrating its first anniversary, and to commemorate this special occasion, it is holding a not-to-be-missed promotion — enjoy 50% off* total dine-in food bill on 24 and 25 November 2020, Tuesday and Wednesday! In addition, the Westgate outlet will now offer the 10 exclusive dishes that NEX outlet first launched in September. This is the perfect time to enjoy the new dishes at a great discount!

The ten dishes are as follows:

Crispy Duck with Dried Chillies

The Crispy Duck with Dried Chillies 香酥鸭 (S$15.90) is made using fresh duck, which is deboned by hand in the kitchen. This ensures that the flesh remains tender and is convenient to eat. The meat is cut into strips, then deep-fried until crispy before it is stir-fried with chillies from Yunnan’s Qiubei county and crispy broad beans. Broad beans are a speciality produce from Yunnan. This dish is fragrant, spicy and extremely appetising, and marks the first time YUNNANS is offering a duck mainstay.

Poached Seabass in Spicy Pickled Vegetable Broth

The Poached Seabass in Spicy Pickled Vegetable Broth 老坛酸菜鱼(S$28.90) showcases Yunnan’s mustard greens. A duo of pickled vegetables is used to achieve a winning combination of flavours. The pickled vegetables are fried with pickled chillies and freshly ground fresh chillies for a piquant soup base, then cooked with ingredients such as seabass, sweet potato flour sticks and tofu. This is a very moreish dish that goes well with rice.

Beancurd skin is a speciality of Yunnan, and there it is made with Shiping County’s well water without any additives. Enjoy the beancurd skin in its most natural state with the Stir Fried Dragon Chives with Yunnan Beancurd Skin 云南豆皮炒青龙菜 (S$12.90). The delicateness of the beancurd sheet is enlivened by the natural sweetness of the dragon chives. Next is the Charcoal Grilled Wheat Pumpkin 烤云南小麦瓜 ($7.90) – wheat pumpkin is endemic to Yunnan, and it has a texture that is a cross between pumpkin’s and gourd’s. The wheat pumpkin is specially air-flown to Singapore. Grilling brings out its natural sweetness, and the fruit is served with a sprinkling of special Yunnan spice mix.

Its fragrance wafting through the air when served, the Stir Fried Yunnan Rice Noodles with Assorted Seafood 海鲜虾汤炒米线 (S$12.90) is made with YUN NANS’ signature prawn broth. Yunnan’s famous rice noodles are stir-fried with an assortment of fresh seafood such as squid and prawns. This dish is full of umami flavour. Nourishing and delicious, the Steam Pot Chicken Soup with Yunnan Red Mushrooms (Single Portion)大红菌汽锅鸡 (S$13.90) is brewed using a unique technique that does not require any drop of water. The black feet chicken, along with wild red mushrooms from Yunnan, are pressure-steamed for three hours. Clear with no hint of greasiness, the soup has a slightly red hue, and boasts the added fragrance of mushrooms.

Pork lovers will certainly enjoy the next two dishes. A popular appetiser, the Deep Fried Pork Fillet with Homemade Spicy Dip 香炸小酥肉 (S$9.90) features marinated pork that is deep-fried till golden and crunchy. Each piece of meat pairs impeccably with a green dip that is widely enjoyed in Yunnan, which has a sour-spicy note. Another lip-smacking dish is the Stir Fried Pork Collar with Scallions 三葱猪颈肉 (S$16.90). Shallots, spring onions and leeks are flash fried under high heat to bring out their fragrance, before they are stir-fried with pork collar. All it needs is an accompaniment of hot, fluffy rice.

High in nutritional value and rich in collagen, the Sautéed Asparagus with Golden Fungus and Mushroom 金耳花菇炒芦笋 (S$14.90) pleases with the crunchiness of asparagus and silky chewiness of the mushrooms. Golden fungus is a wild fungus that is found in Yunnan highlands. This dish is good for complexion and helps to strengthen immunity.

Cap off the session with the Brown Sugar Jelly Served with Rose Puree 玫瑰红糖冰粉 (S$6.90). This local street snack in Yunnan is a must-have every summer. The jelly is made in-house, and paired with YUN NANS’s house-made rose petal puree and hand-fried brown sugar. The hand-fried brown sugar comes from Yunnan and is fried together with local gula melaka to give it a full-bodied caramelised flavour, then boiled down to make the brown sugar syrup that coats the jelly.

About YUN NANS

YUN NANS 云海肴 is the first overseas outpost of Yun Hai Yao, the largest casual Yunnan restaurant chain hailing from China. First established in Beijing in 2009, Yun Hai Yao now has over 200 outlets in China, specialising in Yunnan ethnic highland cuisines. The restaurant uses fresh ingredients procured from the highlands of the Yunnan Province, offering specialities such as Steamed Pot Chicken Soup, Braised Wild Porcini Mushrooms and many more. At the Singapore outlet, there are exclusive dishes to savour as well.

Venue: Jewel Changi Airport, #02-217 Singapore 819666
Contact number: +65 6908 3677
Opening hours: Monday to Friday (11:30am – 10:00pm), Saturday, Sunday and Public Holidays (11:00am – 10:00pm)
Seating Capacity: 78 pax (inclusive of 1 private room for 10 pax)

Venue: 3 Gateway Drive #03-07 Westgate Singapore 608532
Contact number: +65 6970 9891
Opening hours: Monday to Friday (11:30am – 10:00pm), Saturday, Sunday and Public Holidays (11:00am – 10:00pm)
Seating Capacity: 87 pax (inclusive of 1 private room for 10 pax)

Venue: 23 Serangoon Central #B1-15 NEX Singapore 556083
Contact number: +65 6970 7883
Opening hours: 11:30am – 10pm daily
Seating Capacity: 100 pax

The post YUNNANS Westgate Celebrates 1st Anniversary with 50% Off Total Dine-in Food Bill on 24 & 25 November 2020 appeared first on MoneyDigest.sg.

As parents, we have often dismissed the problems our kids are facing on a routine basis. We tend to compare our problems, whether it be financial or otherwise with theirs. Teenage breakups, exam stresses, and so on, somehow do not warrant the same attention and focus as adult problems do.

However, nothing can be further from the truth. Leading psychologists point out that parents should never consider or compare their problems to their children’s’. This is because not only is the context different, but also the experience.

In this article, we speak to a depression therapist from In Focus, a leading firm specializing in teenage depression. We ask them some reasons for the same and how we can help someone who is going through it.

Depression in Young Adults: Does it need attention?

Yes, it does! In the past decade or so, the lives of teens have gotten that much complicated. Whether it is the advent of social media or the stresses in educational curriculums, everything seems to be much amplified than it was a few decades back.

However, what has changed is that the severity of the issue is now forcing young adults to look for remedies themselves. These remedies are not positive in any sense of the way. From engaging in actions like social media stalking to falling on intoxicants and other drugs, young adults, who are suffering from mental health issues need attention.

The entire digital and information ecosystem is such that issues of mental health are often judged upon. Sometimes, the judgment can start from the supposed safe confines of the home itself. Statements like ‘man-up’, ‘it will pass’, and ‘stop acting like a girl’, do a lot more harm than they do good. Depression in teenagers exists!

Why Young Adults are more Hesitant to open up about Mental Health Issues?

If you compare your maturity now to the same when you were fifteen, you will see how far you have come. For the benefit of everyone, let us list down some reasons why young adults are hesitant when it comes to discussing mental health issues-

1. Equating Depression with Weakness-

Nobody wants to come across as weak. This is as true of adults as it is for teenagers. The entire discourse on mental health has been created in such a manner that feeling hopeless, not getting sleep, and being anxious is read as being weak. This leads a majority of young adults to hide their feelings in a cooped-up fashion over a long period of time.

1. Fear of being Judged by Outsiders-

What happens when someone comes to know you are suffering from mental health issues? In teenage circles, you are ridiculed and isolated. No one wants to hang around you as they feel you are not cool enough. This is another reason why teenagers, who are strongly driven by peer pressure do not open up to mental health conversations.

1. Lack of Resources for Addressing Depression concerns-

Therapy and counseling sessions do not come cheap. In other words, pocket money cannot pay off for the same. Even if teenagers realize that they have a problem, it is very difficult for them to address it on their own. They need money, access to the right therapists, doing research, changing habits, and so on. Without maturity or money, the task becomes literally impossible.

The Final Word

As a parent, we need to remember how we would get depressed and anxious about incidents in our teenage years. Teenage and young adults face mental health issues in the same way as adults do. Their reasons for the same might be different, but everything else remains the same.

What might appear trivial for a parent, might be the one thing, a teenager’s life revolves around. While it is good that we let our kids learn from experiences and mature, sometimes, they too need a helping hand.

Mental health issues like depression or anxiety are not something, which should be taken lightly. It is important that parents initiate conversations and healthy non-judgmental discussions on such issues. This will make the children open up about the same, leading both parents and teenagers to successfully address them.

The post How To Identify And Treat Depression In Young Adults And Teenagers? appeared first on MoneyDigest.sg.

For a limited time only, get rewarded with S$200 cashback when you apply online for a DBS/POSB Credit Card with promo code ‘NOVFLASH’– no minimum spend required at all. The clock is ticking on this deal, so don’t miss out and sign up today!

Here’s how you can score your S$200 cashback:

1. Apply online for one of the DBS/POSB Credit Cards below with promo code ‘NOVFLASH’ by 26 November 2020
2. Activate the Card within 30 days from Card Approval Date; and
3. Charge 1 qualifying transaction on the Card within 30 days from Card Approval Date

How to apply for a DBS/POSB Credit Card? Click here to learn more.

The promotion is valid from 13 November 2020 to 26 November 2020 for new DBS/POSB Credit Cardmembers only. Terms and conditions apply.

Pick a Card that suits your lifestyle:

DBS Live Fresh Card

• Additional 5% cashback on Entertainment & Electronics Spend^NEW
• Up to 5% cashback on online & Visa contactless spend (including online gaming purchases & SimplyGo rides)
• 0.3% cashback on all other spend
• Use the same card for your ATM, retail and transit needs

POSB Everyday Card

• Up to 8% cash rebates on dining, online shopping, grocery, fuel and more!
• An all-in-one card for daily essentials, bus/train rides and ATM cash withdrawals
• No expiry on your cash rebates

DBS Woman’s Card

• Up to 10X DBS Points (or 20 miles) per S$5 spent on online and overseas purchases
• Complimentary e-Commerce Protection for online purchases
• Shop now, pay later with 0% Interest Payment Plans

DBS Altitude Card

• Up to 10 miles per S$1 spent on staycation bookings
• Up to S$1M Travel Accident Insurance Coverage
• Earn miles that never expire!

The post Get $200 cashback (no min. spend) when you apply for a DBS/POSB Credit Card from now till 26 Nov 20 appeared first on MoneyDigest.sg.