As we all know, 2020 has been a whirlwind of a year. But don’t let that distract you from this fact: it’s beginning to look like Christmas!

Pandemic or not, it’s time to dust off the ornaments, set up the fir tree tucked away in your storeroom, and most importantly: start preparing your gifting list.

As we know, it can be tricky business shopping for loved ones. With different personalities, likes and dislikes, things can get pretty overwhelming. To help kickstart your festive planning, we rounded up a list of unique gifts for 4 types of ‘lovers’ you probably know. The best part? They won’t break the bank!

For the caffeine lover

From fancy oat milk lattes to traditional teh Cs, it’s safe to say that Singaporeans’ love for the brew knows no boundaries. Here’s our roundup of gifts you can get for your caffeine-loving pal. Be warned — you might end up getting a couple for yourself!

1. Hook Coffee Christmas Advent Calendar, S$50

Image credit: hookcoffee.com.sg

With so many brews, blends, and flavors in the market, trying them all might seem like an impossible task… until you get your hands on this calendar. With 24 different flavors, it’s perfect for those seeking a surprise in every cuppa.

Where to get: TANGS
Address: 310 Orchard Road, Tang Plaza, Singapore 238864
Opening hours: 11:30am – 8:30pm daily

2. Bodum Stainless Steel Travel Mug, S$29.80

Image credits: bodum.com

Goodbye, soggy paper cups. Meet the new favourite companion: a sturdy, stainless steel coffee mug. Wrapped in a distinctive non-slip silicone sleeve, this travel mug is designed with convenience and comfort in mind. And as we know, nothing beats a piping hot cuppa to kickstart the day, so why not make sure your loved one gets only the best?

Where to get: TANGS
Address: 310 Orchard Road, Tang Plaza, Singapore 238864
Opening hours: 11:30am – 8:30pm daily

3. Kindred Teas Teapot + Blooming Tea Set, S$42.75

Image credits: kindredteas.com

Not big on coffee? No problem. This local tea brand offers a wide variety of blooming tea that tastes as good as they look! From lychee to rose blends, these hand-threaded balls of tea might not look like much. However, once steeped in water, they slowly unfurl to form a gorgeous bouquet. Perfect for afternoon tea, and perfect for the ‘gram.

Where to get: Naiise Iconic @ Jewel Changi
Address: 78 Airport Boulevard Jewel, #02-205/206, Singapore 819666
Opening hours: Mon – Thurs: 11:30am – 8:30pm, Fri – Sun: 11:30am – 9:30pm

For the eco-conscious

Beyond the reusable straws and collapsible lunch boxes, here are some eco-friendly items for your friends looking to take a walk on the green side.

4. Purple & Pure Plantable Graphite Pencils, S$19.20

Image credits: naiise.com

Say goodbye to the days where we’d throw away pencils once they get too short to write with. Made with recycled newspaper, these pencils come in packs of 10 and each with a biodegradable seed capsule so that you can watch your stubs turn into plants.

Where to get: Naiise Iconic @ Jewel Changi
Address: 78 Airport Boulevard Jewel, #02-205/206, Singapore 819666
Opening hours: Mon – Thurs: 11:30am – 8:30pm, Fri – Sun: 11:30am – 9:30pm

5. Doiy 30-day Go Green Challenge, S$15

Image credits: naiise.com

Studies have shown that it takes roughly a month to cultivate a habit, so why not make it a little more fun and interactive? For those with friends who are looking to up their eco game, this makes the perfect gift! Over a month, individuals will receive one prompt a day, each giving tips on how to incorporate eco-friendly habits into their lifestyle.

Where to get: Naiise Iconic @ Jewel Changi
Address: 78 Airport Boulevard Jewel, #02-205/206, Singapore 819666
Opening hours: Mon – Thurs: 11:30am – 8:30pm, Fri – Sun: 11:30am – 9:30pm

For the lover of all things quirky

Instead of settling for the usual gag gift, make a (meaningful) statement this Christmas — you’ll thank us later!

6. The Little Drom Store Strangely Singaporean Weekly Planner, S$6.90

Image credits: thelittledromstore.com

A cutesy planner with a local twist, this weekly desk planner is perfect for those who love to jazz up their workplace with bright colors and fun prints. Each day of the week is accompanied by a hilariously fitting Singlish word depicting the mood. Available in 2 designs, this will make even the most disorganized person look twice — mai tu liao!

Where to get: TANGS
Address: 310 Orchard Road, Tang Plaza, Singapore 238864
Opening hours: 11:30am – 8:30pm daily

7. LUCKIES Smart-Phone Projector, S$45

Image credits: naiise.com

Designed for the homebody, this Smartphone Projector can turn every corner of the house into a makeshift cinema. Just pop your phone into the box, and you’re all set. Tip: If you’re gifting this, don’t forget to throw in a couple of snacks too!

Where to get: Naiise Iconic @ Jewel Changi
Address: 78 Airport Boulevard Jewel, #02-205/206, Singapore 819666
Opening hours: Mon – Thurs: 11:30am – 8:30pm, Fri – Sun: 11:30am – 9:30pm

8. Scratch Maps Original, S$39.90

Image credits: naiise.com

While we wait for the day borders reopen, we can satiate that wanderlust by travelling the world via a map and uncovering places to add to the bucket list in the meantime. However, this map is by no means an ordinary one. Once you’ve travelled to a country, simply scratch off the gold foil top layer to reveal the beautiful detailing beneath it. How’s that for bragging rights?

Where to get: Naiise Iconic @ Jewel Changi
Address: 78 Airport Boulevard Jewel, #02-205/206, Singapore 819666
Opening hours: Mon – Thurs: 11:30am – 8:30pm, Fri – Sun: 11:30am – 9:30pm

For the budding fitspo

If there’s anything the pandemic taught us, it’s our ability to adapt and improvise. With the Circuit Breaker came a slew of home gym set-ups, giving birth to a whole new tribe of fitspos. Why not use this chance to encourage your friends who have embarked on their fitness journey to continue doing so?

9. Fitbit Inspire HR Smart Watch, S$99

Image credits: courts.com.sg

The Fitbit Inspire may be an entry-level fitness tracker, but it gets the job done! It not only tracks your active minutes and number of calories burned but also your sleep cycle, while helping you set sleep goals. This device is perfect for those seeking to build healthy habits with the help of a smart device, without being too expensive.

Where to get: Courts Singapore
Address: Various locations islandwide. Click here to find your nearest store
Opening hours: Differs according to store.

10. Talking Toes ‘I’m Walking Tall’ Today Socks, S$13

Image credits: naiise.com

Whether it’s a jog in the park or an afternoon at the gym, it doesn’t hurt to add a pop of colour and a whole lotta inspiration to your step — literally! These socks come with a motivational quote to help remind you to walk tall and with confidence.

Where to get: Naiise Iconic @ Jewel Changi
Address: 78 Airport Boulevard Jewel, #02-205/206, Singapore 819666
Opening hours: Mon – Thurs: 11:30am – 8:30pm, Fri – Sun: 11:30am – 9:30pm

Tap to Pay for your Christmas Shopping

Ready for your shopping trip? Use NETS Contactless ATM card at these establishments and stand to win S$50 every month! From now till 31 December 2020, simply spend S$30 in a single transaction when you tap to pay with NETS and be automatically enrolled into the draw.

Just look out for the NETS tap icon on your card, or sign up for a NETS Contactless ATM Card at participating banks.

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.

Find out more about the promotion: https://www.nets.com.sg/promotions/netstap

This article is brought to you by NETS.

The post Christmas Gift Ideas for 4 Different ‘Lovers’ In Your Life appeared first on MoneyDigest.sg.

As a novice in the world of investments, it is important to know the basic differences between stocks and bonds. Stocks provide partial ownership in a corporation, while bonds are loans from an individual to a company or government.

One of the biggest differences between these two is how they generate profit. Stocks must appreciate in value and be sold later on. On the other hand, bonds pay fixed interest over time. Continue reading this article to know other notable differences between stocks and bonds.

STOCK MARKET VERSUS BOND MARKET

A place where investors can trade equity securities such as common stocks is called the stock market. Buying stocks (i.e., equity securities) entails that you are buying a very small ownership stake in a company. Equity holders purchase stocks in a company on a belief that it will perform well and that the value of the shares they purchased will increase. These stocks are traded on stock exchanges.

The key function of the stock market is to bring sellers and buyers together into a regulated, fair, and controlled environment where they can execute their trades. This regulated environment not only helps the investors, but also the corporations whose equity securities are being traded. The economy thrives when the stock market remains its robustness.

Let us move on to the bond market. The bond market is where investors go to trade debt securities (e.g., bonds), which may be issued by the governments or the corporations. The bond market is also known as the credit or debt market. Buying a bond or a debt security entails that you are lending money for a period of time and charging interest. You can compare the process to how banks charge interests to its debtors.

The key function of the bond market is to provide its investors with a steady, albeit nominal, source of regular income. In some cases, investors receive bi-annual interest payments. Many investors choose to hold bonds in their portfolios to save money for long-term needs such as retirement and their child’s education.

WHERE STOCKS AND BONDS ARE TRADED

Stocks are traded on exchanges, which are places where buyers and sellers decide on a price. Some exchanges are carried out on a trading floor or other physical locations. While, other exchanges are carried out virtually and are composed of a network of computers.

In contrast, the bond market does not have a centralized location to trade. Bonds mainly sell over the counter. As such, individual investors do not usually participate in the bond market. Those who participate include large institutional investors like pension funds foundations, asset management firms, and investment banks. Individual investors who wish to invest in bonds do so through a bond fund managed by the asset manager.

RISKS OF STOCKS VERSUS RISKS OF BONDS

Investors of stocks may be exposed to risks such as currency risk, liquidity risk, interest rate risk, and geopolitical risk. Moreover, stocks run the risk that the company could perform poorly or fall into bankruptcy and disappear altogether.

When it comes to bonds, investors are more susceptible to risks such as interest rates and inflation. When the interest rates are high and you need to sell the bond before it matures, you may end up getting less than what you paid for. If you are purchasing a bond from a company that is not financially sound, you are embracing the risks of credit. The bond issuer may not be able to make the interest payments, leaving itself open to default.

BOTTOMLINE

Image Credits: unsplash.com

Many people opt to invest in both stocks and bonds to diversify. The appropriate mixture of stocks and bonds in your portfolio must consider your tolerance for risks, personal timeline, and investment objectives. Typically, stocks and bonds do not fluctuate at the same time. Think about that.

Sources: 1 & 2

The post Fundamental Differences Between Stocks And Bonds appeared first on MoneyDigest.sg.

From 5 – 9 December, Mrs Pho Café will be doing a 1 for 1 promotion on its entire range of drinks* — so bring a friend and experience the best of Vietnamese coffee culture together! This promotion will be valid only from 2 – 6pm and cannot be used in conjunction with other promotions. Available for all  drinks except fresh coconut.

Mrs Pho Café wants to bring a slice of that vibrant scene to Singapore: with a sprawling menu of over 20 drinks and other tasty traditional snacks, you’ll feel like you’re right in the middle of a quaint Vietnamese cafe yourself. With this new opening, Mrs Pho Café is offering a 1 for 1 drinks promotion!

Vietnam is famed for its vibrant coffee culture: the country is said to be one of the largest coffee producers in the world. In Vietnam, you’ll find numerous coffee plantations around the country and cafés in its streets, all remnants of French culture from the colonial era.

Outlets 
Vivo City #B2-29A, 1 Harbourfront Drive, Singapore 098585
Opening hours: 11:00 to 22:00

Website: https://mrspho.com/
Facebook: https://www.facebook.com/MrsPho/
Instagram: http://instagram.com/mrspho
Hashtag: #mrsphosg #mrspho

The post Mrs Pho Café offering 1-for-1 promotion on all drinks from 5 – 9 Dec 20 appeared first on MoneyDigest.sg.

Do you know what an elevator pitch is? Want to make a smart guess? As its name suggests, it has got to do with a pitch you can make if you were to meet a valuable contact in a lift ride.

According to the Cambridge dictionary, an elevator pitch is “a short but effective explanation that is intended to persuade someone to buy a product or accept an idea”. It could also be “a short description of a product or business idea, especially one given to a possible investor”.

With a rough idea of what an elevator pitch is, let’s zoom in on the steps on how to create one you can use in the context of a job search.

#1: Pen down one sentence

Image Credits: unsplash.com

If you’re reading this while waiting in queue to get your daily takeout, you might want to type this down on your phone somewhere. For those who are sitting at your desk right now, reach out for a pen and paper. Then, write down just one sentence why you think you’re worthy of entering XYZ company.

This move will help you get started on revolving your elevator pitch on that one idea. In other words, it’s the crux of your talk. It should be confident, optimistic, showcases your strengths, and reveals how your previous experience can assist you to be a top achiever in the new position.

Here are some examples for your consideration:

• I’m a sales executive with extensive retail experience of the kind this role requires.
• As a CFO in three consulting firms, I bring substantial industry experience to this crucial role.
• I have a strong track record in HR, and I believe my accomplishments will be an asset to your firm.

#2: Craft an opening

Image Credits: unsplash.com

Once the heart of your elevator pitch is ready, it’s time to move on to craft an opening. Ideally, one that is warm and has the potential to build rapport with the contact you’re speaking to.

Should you be using this opening pitch at an interview session, then your opening to your recruiter could be something like: “I’ve studied this position at your company, and I am excited by what I see.”

If you’re meeting an acquaintance who’s working in the same company you’ve applied to, and you’re thinking of gaining a tip or two, maybe you can try saying: “It’s nice to meet you here. I’m getting ready for an interview at your company and wondering if there is any advice you can give on how I can land the job I’ve applied in the HR department.”

#3: Get into the specifics

Image Credits: Freepik

By now, you should have your core message and an opening all written down. Great work! Now, moving on to the halfway mark. In this step, you will want to go into the specifics. By that, we mean the experience and successes you’ve had in your job positions.

To prove that you’re serious about contributing to the company because you’ve done similar tasks at your previous one, list it. Give a few concise reasons why you think you should get the contract.

Here are some for your reference:

• My track record includes administering our benefits program.
• It also involved designing and overseeing an employee satisfaction program.
• Finally, I have led a team of 12, and we have surpassed all our targets.

Job seekers who have been through several jobs can still get into the details by chronologically listing down your achievements from one position to the next.

#4: Add a call to action

Image Credits: Only Simchas

Marketers would know this very well. A call to action (CTA) is a marketing strategy that involves using words or phrases to induce immediate actions from the target audience. This is crucial for job seekers because you’re now attempting to market yourself to your potential employer.

It’s not an easy task, either. Let’s say you happen to meet a useful contact who’s working in the same firm you’re planning to apply to. In this case, your CTA might be for that particular individual to provide you with a reference email or call to be made on your behalf.

For interviewees, your CTA after a seemingly pleasant conversation should be something like: “I love what I’ve heard, I’m looking forward to next steps, and I trust that you will be in touch soon. When can I expect to hear from you?”

#5: Customise according to situations

Image Credits: Freepik

So you’ve successfully created your personalised elevator speech. Now, it’s time to string them together and check for coherency. Be mindful that you can customise the different sections based on the situations you’re in.

Also, lest you think you have to deliver the entire script word for word, do not misunderstand. In a conversational context, especially an impromptu meeting, time may not necessarily be on your side. But having a written elevator pitch can provide you with a narrative thread at the back of mind for you to retrieve when the opportunity presents itself.

Play it by ear when the time calls for it!

The post What’s an elevator pitch and how you can create one for your job search appeared first on MoneyDigest.sg.

1-for-1 Breakfast Deluxe A la Carte at McDonald’s

McDonald’s Singapore is offering 1-for-1 Breakfast Deluxe A la Carte deal from 26 Nov – 16 Dec 2020. But first, you need to take part in The Family Uniform Challenge on Instagram.

Here’s how to get your 1-for-1 offer:

1. Wear matching outfits in groups of 2 or more. (can be family, friends or even pets)
2. Order any McDonald’s Breakfast
3. Post a picture of your matching outfits and McDonald’s Breakfast on your Instagram Timeline or Story, tagging @mcdsg. Remember to set your Instagram account to public!
4. Receive your 1-for-1 Breakfast Deluxe A la Carte deal in your DMs within 48 hours.

How To Redeem Your Deal On The McDonald’s App:

Check out the post by McDonalds for more details.:

Terms & Conditions

The post McDonald’s offering 1-for-1 Breakfast Deluxe A la Carte from now till 16 Dec 20. Here’s how to get the offer. appeared first on MoneyDigest.sg.

Investing is the act of allocating your money in the hopes that you will achieve a profit in the future. The money generated from your investments can provide income and fulfillment of long-term financial security.

Now is the ideal time to start investing! Allow me to convince you with these “6 Essential Reasons Why You Should Learn To Invest”.

#1: WORK SMARTER, NOT HARDER

Many people do not think about investments until they are well into their 20s or 30s. Although opportunities to invest may come before that, investing is not something that is automatically embraced by all. Do not panic! You can become an investor at any age.

The sooner you open an investment account, the better it will be for your financial future. Take advantage of the greatest asset of all – time. Investing while you are young gives you the chance to work smarter. Would you rather save a considerable amount of money every year or save a huge amount of money later in life? Think about that.

#2: GET MORE EARNING POTENTIAL

Investing your money allows you to grow your wealth. Most investment vehicles such as stocks and bonds offer returns on your money over the long run. The return allows your money to build over time.

The money you build can be used to create a business or expand your existing one. Many investors support entrepreneurs and contribute to the creation of new products and new jobs. The more successful entities you have backed up, the stronger your returns will be.

#3: SAVE FOR RETIREMENT

Let us face it! You need to be prepared for your retirement. You should save money for retirement as you are working. You can put your retirement savings into a portfolio of diversified assets such as real estate, precious metals, stocks, mutual funds, and bonds. As soon as you retire, you will be able to live off from the funds that you have earned.

Base your personal tolerance of risk on your age and lifestyle. You may employ greater risks to increase your chances of earning greater wealth in your younger years. Becoming more conservative with your investments as you grow older can be wise.

#4: POWER OF COMPOUND INTEREST

Learning about investments will enable you to know the power of compound interest. Compound interest allows your money to make more money for you. It pays to invest early and often. The longer your money can benefit from the power of compound interest, the higher your gains will be as time goes by.

Say you invest S$1,000 this year and you earn a 10% return on that. This means that you will end up having S$1,100. If you do not contribute anything next year, you will still make money through the compound interest. Instead of earning another S$100, you will earn S$110 because you are getting 10% from a balance of S$1,100. You will have S$1,210 by the end of next year.

#5: DIVERSIFY YOUR ASSETS

You need to diversity your assets as your investments make one part of your financial picture – not all of it. You should not keep all your money in cash, in your house, or in your car. Instead, invest in a variety of categories to cushion unforeseen losses. It makes more financial sense to keep your emergency fund, your house (real estate), your hard assets (e.g., car), and your portfolio of investments.

#6: REACH YOUR FINANCIAL GOALS

Image credits: pixabay.com

Learning how to strategically invest your money allows you to reach your financial goals. If your money is earning a higher rate of return than your savings account, you will be able to earn more money within a faster period. This return on your investments can help you reach your financial goals such as buying a car, starting your own business, or putting your children through university.

Sources: 1 & 2

The post 6 Essential Reasons Why You Should Learn To Invest appeared first on MoneyDigest.sg.

Getting ready for your first day at work can mimic your experience on your first day in a new school. As butterflies roam your stomach, your first day in a new school is both terrifying and exciting. You walk in the grounds of an unfamiliar hallway with a schedule in hand. You try your best not to trip or to embarrass yourself in front of other kids. Years later, those similar emotions can be felt as you show up to a new workplace.

You do not know what expect! The first couple of months can be confusing, exciting, and terrifying. These months can make or break your time at a particular company. Start adjusting to a new job by preparing for your first day.

PREPARE FOR YOUR FIRST DAY

Use the weeks leading up to your first day wisely by preparing yourself mentally and physically. Accomplish as many errands as possible such as medical checkups, car maintenance, and visits to relatives. Get adequate amount of sleep and renew your fitness regimen. If time permits, you may freshen up your mind by taking a short staycation.

Prepare for the position by researching about the company and its business press. You can search through its social media accounts to get a grasp of their branding. You can also request for a list of readings from your future boss. He or she will be impressed that you want to start work well-informed and educated.

MAKE A GREAT FIRST IMPRESSION

Your first impression counts. Show up on your first day well-dressed and with enthusiasm to work. Come early and put your mobile phone away to stay focused on the tasks at hand. Take notes on the tasks and the people around. What are their names? It is important to write them down. You can learn a lot from these people.

ASK A LOT OF QUESTIONS

It is easier to assume that we know what to do. Sometimes, we are just too afraid to admit that we cannot do something. However, asking for assistance is the best way to resolve an issue. You are in a new environment. Admitting your lack of knowledge in certain realms may show your eagerness to learn. Take notes.

DO NOT COMPARE THINGS TO YOUR PREVIOUS JOB

No matter how skilled you were in your previous company, it is unpleasant to brag about it in your current working environment. Instead, let your actions speak for itself. Take this opportunity to learn new things, to contribute new ideas, and to share your experience with your co-workers. Find the right platform to air your concerns.

LISTEN TO CULTURAL CLUES

To help you get a grasp of the company’s culture, listen and observe at all times. Building rapport with your new co-workers is important because it lets you assimilate to their culture faster. Be wary. Do not let your desire to fit in encourage you to engage in gossip. You do not want to employ socially destructive behaviors. Listen to cultural clues, but avoid gossips.

Image Credits: unsplash.com

You are the new employee. Smile and make the effort to reach out to them by offering coffee or lunch. This way, you will be able to break the ice.

Sources: 1 & 2

The post How To Settle In A New Job With Ease appeared first on MoneyDigest.sg.

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Striving at the workplace is not an easy task. Suppose you’re a leader, that makes the job two or three times harder. Maybe you’ve just been recently promoted, or you’ve been in a leadership position for a few years now and giving some serious thought about the art of leadership.

Whatever the case might be, Amy Stanton, the founder and CEO of Stanton & Company, shares that leadership isn’t a destination. It’s a never-ending learning process in which soft skills come into play.

“It’s really not about being seen as the person in charge, or dressing a certain way, or reminding the people around you that you’re the final decision-maker,” Stanton says.

Want to build trust as a leader at work? Take it from Stanton on five small ways you can start communicating with your colleagues from now on.

#1: Mean what you say

Image Credits: TLNT.com

No one would hate a compliment. But when “good job” becomes words you use anytime in every situation, then it loses its meaning.

While singing people’s praises is a good leadership trait, it’s not about doing it all day long. Communicate “negative” feedback appropriately if you want to be a helpful leader.

In other words, constructive feedback is the key to facilitate growth. Do it so your co-workers can grow through the experience. Also, as you find ways to provide feedback, take it as a chance to learn how to use this soft skill to build trust.

Need to find a balance when it comes to “negative” and positive reinforcement? Use the sandwich method to stack it in this way: positive – constructive – positive. Keep in mind to have honest talks that include actionable steps too.

“Remember: It’s one thing to critique. It’s another to give constructive feedback with a path to improvement,” Stanton states.

#2: Be true to yourself

Image Credits: HRM Asia

While you can look up to other leadership examples outside the workplace, be true to who you are. Don’t get us wrong because there is nothing wrong with observing different management styles in an attempt to incorporate new approaches or techniques.

But Stanton believes that you only become the best version of yourself as a leader when you are authentic to who you are. Trying to be someone or something you’re not will only show that you’re putting on an act.

Speak from the heart even if it means showing your fellow workers a vulnerable side of yourself. You’re not a superhero, and there’s no need to try to be one.

#3: Take accountability when things go wrong

Image Credits: BBC.com

Falling into a victim mindset when things take a wrong turn is a dangerous situation to allow yourself to be in. If you continually let yourself sink into the mentality that the hurdles you face happened because they were not within your control, it will only make matters worse in the long run.

We know taking responsibility even when it may not be your fault is not a simple step to take. But as a leader, you want to take accountability and also question the role you played in the issue. Could it be a lack of supervision? Or maybe you were too hung up on other projects to provide support to your team?

Be a leader people can trust and lead by example before you start pointing fingers at others.

#4: Rethink micromanagement

Image Credits: Business Insider

Ask any employee, and they will reveal how much they detest micromanaging superiors. Stanton also mentions how micromanaging people are rarely influential.

In your entire career, you would probably have come across a few micromanaging managers or maybe even struggling with one right now. There’s a thin fine line between aiming to be in control and obsessively controlling others.

If you want your subordinates to learn, allow them space to make mistakes. “Obviously, you want to put guardrails in place and make sure those mistakes happen in a controlled setting, but your goal is to get them to a place where they feel comfortable and confident operating on their own,” Stanton points out.

Don’t forget we’re talking about building trust here and it goes both ways. Give your colleagues the belief they need if you want a reciprocal work relationship.

And yes, you will require lots of patience to get to the endpoint (if there is even one). A tremendous amount of time and effort is necessary to guide your team members towards the right path. Not to mention that you have to be prep yourself to deal with their potential mistakes along the way.

But look far ahead instead of merely fixing your eyes on the short-term sacrifices.

#5: Reflect and seek feedback

Image Credits: iStock

Examine your relationship with your co-workers right now. Do you find them sharing direct feedback with you regularly, openly, and comfortably?

According to Stanton, the last thing you want is to revolve around only a vacuum of your thoughts. No matter how busy your schedule is, take time to hear other people’s perspectives because there’s more to gain than lose.

As a leader, you want to foster a nurturing environment where your employees or co-workers can honestly share how they feel knowing that they won’t be judged. Also, receive their suggestions and act on it rather than merely accepting it.

No one is born as a perfect leader. It takes ups and downs to get you where you want to be. Treat this leadership journey as a learning opportunity for you to mature as a person as well. Keep at it!

The post A PR firm’s CEO shares 5 ways you can build trust as a leader at work appeared first on MoneyDigest.sg.

More reasons to dine at Haidilao

If you happen to be around the eastern part of Singapore and craving for a hotpot fix, you can consider making a trip to Bedok Mall.

Haidilao Hot Pot at Bedok Mall is offering a super value-for-money Set Meal promotion where you can enjoy 1 soup base + 11 dishes for just $19.80++.

Four Flavors Hotpot 5 choose 1 (3 water soup base + 1 chosen soup base)

• Three Delicacy Hot Pot
• Mushroom Soup Hot Pot
• Sichuan Spicy Hot Pot
• Tomato Soup Hot Pot
• Corn and Vegetable Hot Pot

22 Dishes choose 10

• Chicken Slices
• Sliced Fish
• Haidilao-favoured Beef
• Pork Jowl
• Luncheon Meat
• Mini Sausage
• Fishball
• Quail Eggs
• Dumpling
• Crab Stick
• Fish Ball with Roe
• Cheese Tofu
• Fried Tofu Skin
• Tofu Slices
• Frozen Tofu
• White Turnips
• Thin Vermicelli
• Winter Melon
• Black Fungus
• Sweet Corn
• Lotus Root
• Egg

Instant Plain Noodle or White Rice (2 choose 1)

Terms & Conditions

This promotion is only valid at Haidilao Bedok Mall branch. Every Monday to Friday, 10:30am to 5:00pm (exclude PHs). Promotion is applicable for dine-in only, not valid for takeaway. Price shown include 1 quarter soup base and 11 dishes from above, service charges and tax not included. Image shown above is for illustration purpose only. Haidilao Bedok Mall Branch reserves the right to amend the terms and conditions without prior notice. For more information, please call 6385 3343 / 6385 3433.

The post Haidilao Bedok Mall Has $19.80++ Value Set Meal Where You Can Choose 1 Soup Base + 11 Dishes appeared first on MoneyDigest.sg.

1-Day Special On 12.12

KFC Singapore is offering a super value-for-money $12 Meal For 3 on December, 12.

For just $12, you get the following bundle:

• 2 pcs Chicken
• 2 Zinger Burgers
• 3 Mash Potato (R)
• 3 Pepsi (R)

Perfect for 3 persons!

The usual price is $30.25 so you save a whopping 60%! 

Share this promotion with your friends and loved ones!

Terms & Conditions

Promotion is valid only on 12 Dec 2020 or while stocks last, limited to 1 set per transaction. Meal bundle includes 1 drumstick/wing and choice of other chicken part is subject to availaibility. Only Original Recipe or Hot & Crispy chicken is applicable for this promotion. Meal bundle is fixed and no change of drinks/sides are allowed. Promotion is valid for dine-in and takeaway orders at all KFC restaurants except KFC NTU, Singapore Polytechnic, Singapore Zoo.Visuals for illustration only.

The post 1-Day 12.12 Special: KFC Offering $12 For A Meal For 3 (U.P. $30.25) On 12 Dec 2020 appeared first on MoneyDigest.sg.

Sperm health is not a common topic widely discussed among people, especially so for more conservative communities. But still, it’s an essential topic for men who take this seriously.

Do you know that the average sperm count for men has been on a worldwide downward trend based on the statistics from the World Health Organization?

According to Dr Ronny Tan, a consultant urologist and andrologist with Advanced Urology Associates, the criteria for normalcy is a sperm count of 15 million/millilitre. But the figures have dropped globally from a previous normal count of 20 million/millilitre in 1999.

Dr Janice Tung, a consultant obstetrician and gynaecologist with Thomson Fertility Centre, adds that this means that the chances of conceiving for men are about 20 per cent lower. Mayo Clinic shares that the issue is often shown through low sex drive or difficulty maintaining an erection.

Need help? Experts in the field answer four questions you might have regarding sperm health. Let’s take it from professionals from here.

#1: Boxers vs Briefs. Which is better?

Image Credits: AskMen

We bet you’ve heard advice regarding keeping it loose down there. Turns out to be, that family friend of yours might be right. Dr Tan points out that the testes are hanging in the scrotum for a good reason.

As such, boxers are believed to be sperm-friendlier than briefs. This is because the tighter your undergarment, the more it pushes the testes up towards the body. This increases the testicular temperature which you should avoid.

Ideally, the testes should be about 2 degrees Celsius lower than your average core body temperature of 36.9 degrees Celsius. Be mindful if you want to improve sperm production and maintain the health of the sperm.

“Elevated temperatures have been shown to lead to the arrest of sperm production, oxidative stress and DNA damage to sperm,” Dr Tung shares.

“I wouldn’t go as far as to advise men to go commando or go pant-less at home for this purpose. But they are welcomed to do so for other reasons of their own,” she wittily remarked.

With all that said, those who are diligently trying for a baby should look into their wardrobe and maybe make necessary style changes for this period. Yes, this also means having to give up that slim and sleek looking pants for a while.

#2: Is smoking, drinking, and mobile phone radiation exposure bad?

Image Credits: unsplash.com

Based on an analysis published on BMC Public Health in 2019, smokers were found to have lower sperm counts. The study also saw an increase in defective sperm heads, necks, and tails. If you’re actively looking to conceive, reconsider smoking.

Heavy drinkers who have 15 or more drinks a week should also be aware of the damages it has on sperm production. Healthline reveals that increased alcohol intake:

• Causes early or decreased ejaculation
• Shrinks the testes, which causes impotence
• Changes the shape, size, and movement of healthy sperms
• Alters gonadotropin release, which impacts sperm production

Mobile phones alongside obesity, and the use of testosterone or steroids for bodybuilding, were also cited by Dr Tung as factors associated with infertility. A 2014 study on the influence of direct mobile phone radiation on sperm quality also found an interconnection between radiation exposure, DNA–fragmentation level, and decreased sperm motility.

#3: Does cycling affect sperm health?

Image Credits: TODAYonline

Sitting on a bike seat for prolonged periods can lead to a temporary numb feeling down there. But it’s more than just a mere sensation. According to Dr Tan, the compression on the nerve in the Alcock’s canal can occasionally affect penile erections.

“Men who do long-distance cycling may experience numbness of the penis. Some men may also experience erectile dysfunction due to injury to the nerve and the blood vessels within the canal,” he adds.

This does not apply just to males who underwent intense cycling training but also to non-professional low-intensity cyclists. Dr Tung noted that to prevent sperm parameters from being suppressed, it’s probably wise to limit the duration and frequency of your cycling sessions. This is especially so if you’re trying to conceive.

But do not give up on exercising. This is because a BBC report shared that men who exercised 3 times a week for at least 30 minutes had better sperm health. If you frequently engage in contact sports such as football, hockey, rugby, or martial arts, please wear a scrotal guard.

#4: Should I keep to a particular diet?

Image Credits: unsplash.com

Dr Tung said that full-fat dairy products, coffee, and sugar-sweetened beverages are linked to poor semen quality and lower fertility rates. So keep those in check while grocery shopping or dining out.

As it’s most likely common sense for many, a healthy diet leads to a healthy body. Thus, take in more vegetables, fruits, fish, poultry, cereals, and low-fat dairy products instead. For supplements, Dr Tan recommends consuming selenium, zinc, L-carnitine, L-arginine, coenzyme Q10, and Vitamins A, C and E.

To end this off, Dr Chong Kian Tai, a consultant urologist at PanAsia Surgery, urges those who are worried about their scrotal health to make an appointment for in-depth tests. An ultrasound testes scan, hormone test, and/or semen analysis can provide answers to any physical discomfort, sperm health, or burning questions you have about your fertility.

The post Experts in the field answer 4 questions men have regarding sperm health appeared first on MoneyDigest.sg.

This 12 December, don’t miss great dining, attractions and hotel deals at Sentosa. These deals are available at amazing prices, ranging from 1-for-1, $12 off and many more.

Attractions

Singapore Cable Car

Make your way around the island and enjoy its panoramic views from the comfort of the Singapore Cable Car. Enjoy 1-for-1 Cable Car Sky Pass Round trip with free upgrade to unlimited rides.

Valid from 12 to 20 Dec 2020

Trick Eye Museum Singapore

Let your imagination run wild at Trick Eye Museum Singapore! Compared to the usual $20 for an adult ticket, admission tickets are now available at a uniform price of $12 for the adult/child/senior categories.

Deal purchase is available from 11 to 13 Dec 2020, redemption is valid until 27 Dec 2020. All other standard terms and conditions apply.

HeadRock VR

Bring out the adventurer in you with an unforgettable, larger-than-life experience at one of Southeast Asia’s biggest VR Theme Parks, the HeadRock VR. Enjoy the Buy 2 Get 1 Free promotion for a day of ceaseless fun:

• Buy 2 ‘BIG 5’ packages and get 1 ‘BIG 5’ package free
• Buy 2 ‘BIG 7’ packages and get 1 ‘BIG 7’ package free

Valid from 12 to 18 Dec 2020. Terms and conditions apply. There are flashing lights for this attraction and height restrictions apply.

Madame Tussauds Singapore

Immerse yourself at the world’s famous wax attraction, Madame Tussauds Singapore. 1 ticket gets you 5 unique experiences and it gets even better this period when you buy 2 tickets and get 1 free ticket.

Alternatively, glamp it up by enjoying the ultimate red-carpet experience for couples at an amazing price of $80 (U.P. $126)

Valid from 12 to 31 Dec 2020

The Royal Albatross

Enjoy an unforgettable journey on the region’s only luxury tall ship, The Royal Albatross. This superyacht experience sails out from Resorts World Sentosa to the tranquil and calm port waters of Singapore. Be spoilt further when you set off in style on a one-way Limo Ride when you purchase a pair of City Lights tickets.

Valid till 31 Dec 2020.

4D AdventureLand

Hang on tight as you set off on an adventure at 4D AdventureLand. Whether it is an immersive 4D movie or firing a motion sensor pistol, you are bound to get up close with the action. For a limited time, enjoy $12 off the “4-in-1” Combo one-time admission ticket at $34.90 per adult (U.P. $46.90) and $21.90 per child (U.P. $33.90)

Deal purchase is available till 20 Dec 2020, redemption is valid until 31 Jan 2021

Dining

Quentin’s Bar & Restaurant at Mess Hall

Enjoy up to two 1-for-1 redemptions of a main dish per table when you dine at Quentin’s Bar & Restaurant at Mess Hall. Remember to key in the promo code “megadeal” when you make your reservation via Chope to redeem this promotion.

Valid from 12 Dec 2020 to 19 Dec 2020

Amara Sanctuary Resort & Spa

Be transported to an idyllic tranquillity as you tuck into a leisurely brunch amidst the lush greenery of Sentosa. Enjoy the freshest of ingredients at Amara Sanctuary Resort & Spa’s Farm to Table 3 Course Set Menu with $12 off (U.P. $48++)

Valid from 12 Dec 2020 to 18 Dec 2020

Gelatissimo

After a day of fun at Sentosa, don’t forget to take a break and enjoy Gelato from Gelatissimo. Get 2x Jumbo Cup Gelato at $8 only (U.P. $20)

Valid from 12 Dec 2020 to 18 Dec 2020. Promotion is only valid at Gelatissimo Sentosa Beach Station. Terms and conditions apply.

Greenwood Fish Market

Enjoy $12 off Prix Fixe Family Sharing Platter (U.P. $101.80++) at Greenwood Fish Market. Consisting of pan seared crab cake, house fish & chips, angus burger and a seafood marinara bucatini, feast to your heart’s content with your loved ones.

Valid from 12 Dec 2020 to 19 Dec 2020, available for only applicable for dine-in purchases at either Greenwood Fish Market or Greenwood Asian Cuisine at Quayside Isle. Terms and conditions apply.

WOK◦ 15 Kitchen

Savour the signature dish that every local enjoys- Chili Crab at WOK◦ 15 Kitchen. Enjoy $12 off its Signature Chili Crab, no minimum spend required at all!

Valid from 12 Dec 2020 to 12 Jan 2021

Hotels

The Outpost Hotel Sentosa

Inspired by Sentosa’s heritage as a colonial military base, The Outpost Hotel Sentosa caters exclusively to adults. Enjoy a romantic staycation with your loved one at this upscale accommodation. Enjoy 15% off Best Flexible Rates, inclusive of 1-for-1 dinner set at 1-V:U Restaurant & Day Club. Terms and conditions apply.

Village Hotel Sentosa

Take your family to a memorable staycation at Village Hotel Sentosa. With its big swimming pool and child-friendly facilities, this hotel is a favourite among families. Enjoy 12% off + $150 dining credits when you book a Deluxe Room.

Valid for booking from 12 to 18 Dec 2020, for stay from 1 Apr to 30 Dec 2021. Valid for weekdays only (Sun-Thur). All rates indicated are NETT rates and include mandatory charges of 10% service charge and prevailing government taxes. Terms and conditions apply.

Check out the full listing and terms and conditions of the 12.12 deals at https://www.sentosa.com.sg/campaigns/1212/

Getting Into Sentosa

You need to be in Sentosa to enjoy these great 12.12 deals. From now till 31 Dec 2020, enjoy free island admission to Sentosa by boardwalk or car. Furthermore, get $5 off your Grab ride to Sentosa with promo code “SentosaFun”, while codes last! See you there!

The post Make Time For Sentosa 12.12 deals. Get 1-for-1, $12 off and more! appeared first on MoneyDigest.sg.

The only App that pays you to shop

12.12 Facebook Magical Livestream (11 Dec, 9pm)

Tune in to ShopBack SG Facebook on December 11th at 9PM for some festive fun! In the spirit of Christmas, they will be giving out 4 Mystery Gift Boxes with a total worth of $1000++. You can also stand a chance to win their ShopBack Exclusive Christmas Cashback Log Cake featuring their Cashback Troopers Plushies!

If you love GrabCar and FoodPanda, you can also purchase vouchers at 50% Cashback exclusively on their livestream. 

(RSVP HERE)

Save big with 12.12 Challenges

You’re on your way to great savings when you open your Shopback app and participate in our exclusive 12.12 Challenges!

How to participate:

1. Open your ShopBack app
2. Click on the Earn More tab
3. Select the challenge
4. Opt in for the challenge

12.12 Epic Hourly Cashback: Deals and Vouchers

Fulfill all your shopping needs and save at the same time when you shop with our Epic Hourly upsizes! For more savings, download the Shopback Chrome extension if you’re shopping on desktop/ Web and find out exclusive Shopback promo codes that you can apply at checkout.

12.12 Highlights

All day upsizes and deals for all your shopping needs!

Tis the Season for Gifting

Not sure what to buy for Christmas? We’ve got you! Shopback has curated the best gifts, find it on the App for a one stop place for all your Christmas shopping.

Check it out here: https://app.shopback.com/sf2020-shopee-moneydigest

1. Apple AirPods Pro
2. Xiaomi Poco X3
3. Nespresso Coffee Machine
4. Mayer Air Fryer
5. Lego Stormtrooper Helmet
6. Nerf Ultra Two Blaster
7. Cosrx Gift Bundle
8. Amazing Graze Gift bundle
9. Kinohimitsu
10. Crayola Brand Box
11. Airbot Cordless Vacuum Cleaner
12. Pokemon Booster Box

Or here: https://app.shopback.com/sf2020-lazada-moneydigest

1. Sonos Beam
2. Sonos One
3. The Fives bookshelf speakers
4. Cinema 600 Soundbar
5. Clinique Busy Girl’s Essentials Skincare Set
6. Estee Lauder – Night Repair Starter Set

12.12 DBS Partnership

Receive an additional 5% Cashback when you shop using a DBS card!

Click here to find out more!

12.12 Citibank Partnership

Receive an additional 3% Cashback for purchase of vouchers & store credits on ShopBack when you pay with your Citi Credit Card!

Click here to view more!

12.12 Standard Chartered Partnership

Get up to additional 5% cashback when you shop with your Standard Chartered Credit Cards!

Click here to find out more!

Refer A Friend (5-14 Dec)

Do you have any friends or loved ones to refer? Get a $5 Grab voucher when your friend signs up through your referral link!

How it Works:

1. Opt into the RAF challenge on the App
2. Refer a friend with your unique referral link
3. Your friend signs up using your referral link and makes a purchase from 5-11 October
4. Complete the challenge and get a $5 Grab Voucher in the reward link
5. 5. Clickthrough reward link to redeem Grab voucher

Start planning your wishlist ahead before December 12th and get ready for the frenzy of deals to come! Get all these awesome deals all at 12.12 ShopBack ShopFest now.

12.12 is part of ShopBack ShopFest ‘20 – A year-end festival of 5 sale events from 1 Sep – 12 Dec. They include 9.9, 10.10, 11.11, BFCM and 12.12.

How ShopBack Works

ShopBack is a platform that allows users to earn up to 30% cashback every time they make an online purchase from 500+ stores like Lazada, Shopee, Amazon, Foodpanda, Grab & more. ShopBack is free to join  and is available on desktop, app store, play store and on browser extension. Learn more here.

The post Win $1000++ worth of mystery prizes, Cashback log cake, and many more – ShopFest @ ShopBack 12.12 appeared first on MoneyDigest.sg.

Critical feedback can be daunting for some. Since we’re talking about criticisms here, it’s easy to get defensive over it. But take a more profound examination, and you will probably agree that constructive feedback is the ‘true friend’ that identifies the gaps between who you are and the improved version of who you want to be.

Dr Tomas Chamorro-Premuzic, a psychologist, author, and entrepreneur, points this out as a paradox. He shares that most people are happy to receive positive feedback, but it is the negative ones that enable us to be better.

This is because if you think you are already on the right path, then there would be a lesser desire to brush up on your current skills. To avoid potential conflicts, some companies have even attempted to remove negative feedback from performance reviews.

So the question is, do you want an upgrade? Or are you happy with where you are right now with all the compliments flooding your way? If it’s the former, we’re so glad for your willingness to change.

We’re not going to promise that you will leave this article feeling like you’re ready for a self-improvement journey. Criticisms hurt and we’re not going to lie. But it’s something to embrace if you want to tackle your weaknesses and bridge the gaps.

Want to walk out of your self-protective instincts now? Take it from Dr Tomas on the four key ways you can use to embrace critical feedback.

#1: Search for a right mentor

Image Credits: unsplash.com

Don’t be alarmed by the word ‘mentor’. Dr Tomas points out that the right person should be someone with experience in the area you’re keen to make a change in. He or she could be someone who knows you well, has seen your growth, or aware of the skillsets or talents you want to build.

In our current prosocial society, it’s getting difficult to find someone willing to provide critical feedback. “For all the talk of authenticity, if you go about telling everyone what you really think, you will have no friends and your colleagues will hate you,” said Dr Tomas.

That’s like hitting the bull’s eye, isn’t it? What you need is someone who is fearlessly psyched to tell you what you need to hear. Note the difference between what you want to hear and what you need to hear.

#2: Find proper questions to ask

Image Credits: unsplash.com

Finding the right mentor to receive feedback is already not a simple task. If you want to make it easier for your mentor to give you an appropriate assessment, ask pertinent questions.

Avoid asking short questions like these:

• “How did I do?”
• “Was this okay?”
• “Did I do a good job?”
• “Did you like what I did?”

Instead, ask:

• “What would you have done differently?”
• “What are the two things that they didn’t like so much?”
• “If you can change one thing about X going forward, what would that be?”

Also, mean what you say. If you’ve made known that you wouldn’t take it to heart, then don’t take it personally. Value their honest response and see it as a way to help you get better, even if you don’t immediately agree due to a defensive stance.

Dr Tomas states that the right mentors should help improve your ability to identify blind spots and critical areas for improvement. As a mentee, always be thankful.

“Feedback is always a gift, and there is no bigger gift than constructive critical feedback because it is daunting and risky to provide it. There is a higher cost to honest negative feedback than fake positive feedback, but the former makes you much better than the latter,” he adds.

#3: Receive comments and act on it

Image Credits: unsplash.com

Have you ever advised upon a request only to find out that the other party has turned a deaf ear? If you understand how frustrating it feels, don’t do the same to your mentor. 

Receive critical feedback and reciprocate the time and effort spent by committing to change. Then, share your action plans with your mentor to involve them in the process. Knowing that you’re taking their constructive comments seriously is also a form of motivation for your mentors to provide you with more guidance going forward.

“When someone asks you for help, and you offer your honest views, even though you know it may hurt them, there is nothing more rewarding than seeing them make a positive change based on what they heard. Making others better is a wonderful achievement,” Dr Tomas remarked.

#4: Get more feedback to monitor progress

Image Credits: HealthHub

If you’ve followed through the strategies so far and managed to gain and act on the criticisms given to you, don’t just stop there. Politely ask your mentors for more valuable critiques so you can track your progress.

To put it simply, Dr Tomas says the process should look like this:

• Get critical feedback
• Make an effort to change
• Get more feedback to monitor progress

He also illustrates this strategy using a weighing scale. When you think you’ve put on weight recently thanks to the work-from-home routine, you put yourself up on a weighing scale. Seeing the figures got you motivated on losing weight, so you change up your diet or start exercising more often.

But do you stop there? No. To measure your success, you go up on the scale again to track your weight. The idea here is that you don’t just repeat the process once or twice, but as often as you can to monitor your development.

In conclusion, be aware that even the most talented people are a work in progress. Yes, criticisms are painful; nonetheless, it is also a positive force for change and the fuel to be better. Those who are seeking growth should learn to welcome useful negative feedback with open arms.

The post A psychologist reveals 4 key ways you can use to embrace critical feedback appeared first on MoneyDigest.sg.

In a blink of an eye, the month of December is upon us… which also means that Christmas is just around the corner! In an unprecedented year plagued by a global pandemic, it’s timely to take stock, and show our appreciation for our loved ones as we approach the festive period. As we commemorate the spirit of giving, here’s how you can spread even more festive joy as you spend with Singtel Dash this Christmas.

Dash it, Shake it, Share it by Singtel Dash

As you shop, dine and spend with Dash this festive period, Dash users will earn a bonus chance to shake the Dash snow globe within the app and win a sure-win prize so long they meet any of the criteria from now till 31 Dec:

• Make a purchase of minimum $10
• Remit $400
• Make a min $20 hi! SIM card top-up
• Make an international air time top-up of $10

The more you spend, remit or top up gives you more chances to shake the snow globe and win a variety of awesome prizes, including up to 1 million Dash reward points, cashback vouchers and over 300,000 other sure-win prizes. Examples of cashback vouchers include:

• FairPrice
• Sheng Siong
• Deliveroo
• ZALORA
• ezbuy
• Pomelo
• Old Town White Coffee
• Tiger Sugar
• Fave vouchers (psst… this is on top of the cashback you’ll already get when you use Dash to pay for at Fave merchants islandwide!)

In the spirit of Christmas giving and sharing the love, these cashback vouchers can also be sent on to your loved ones through the Dash app too!

* Click here for more details on the Dash it, Shake it, Share it’ campaign.

The post Spread the joy as you spend with Singtel Dash this Christmas! appeared first on MoneyDigest.sg.

Celebrate this festive season with Shopee’s 12.12 Birthday Sale

From now till 12 December, Shopee has a series of attractive deals lined up for the 12.12 Birthday Sale to celebrate their 5th anniversary! Get ready for this festive season and shop for thousands of deals at massively discounted prices with Daily 30% Cashback, Million $ Discount deals and Midnight 20% Off Flash Sales happening from now till 12 December. The countdown starts now!

Sitewide Flash Vouchers

You are in for a treat as Shopee will be releasing flash vouchers during 10 different time slots at 12am, 10am, 12pm, 2pm, 4pm, 6pm, 8pm, 9pm, 10pm, and 11pm on 12 December. Get up to $100 off vouchers and stack them with shop vouchers for maximum discounts!

Over 300 Million $ Discount Smashing Deals

Keep your eyes peeled for the Limited Party Hour Vouchers released at 12am and 12pm to further offset your spending from crowd-favourite brands like Apple, Xiaomi, Samsung, Paula’s Choice, Herschel, and more – at lowest prices guaranteed. On top of that, enjoy free shipping on all items marked with the Million $ Discount tag!

Crazy Flash Deals

On 12 December, you can expect an illustrious line-up of unbeatable deals spread over 29 different time slots inclusive of:

2-Hour Brand Flash Sale / Happy Hour

Get your wallets ready to shop for top products from your favourite brands such as adidas, JBL, Xiaomi, Abbott and many more with up to 40% off no minimum spend vouchers during the 2-Hour Brands Flash Sale. Did we say that deals are going at up to 90% off during this period?

What’s more? Look out for all-day happy hour deals, where you can get deals priced by the hour. Exclusive deals will be released in-app at stipulated timings such as:

• $0.99 Deals at 12am and 12pm
• $2 Deals at 2am and 2pm
• $6 Deals at 6am and 6pm
• $8 Deals at 8am and 8pm

Shopee Games, Shopee Live and Shop & Win

Play games and exchange for rewards with Shopee Coins. Shopee will have several time slots for Shopee Shake and Shopee Farm Shake Tree throughout the day. Keep yourself entertained while you hunt for great deals across the app!

• Shopee Shake:12am, 12pm, and 10pm
• Shopee Farm Shake Tree: 10am, 12pm, 6pm, and 9pm

Shop and win with over 15 brands, including Pampers, P&G, Houze, Airbot & more. Spend with the participating brands and you earn a chance to walk away with attractive prizes such as iPhone 12, Dyson Airwrap, Apple AirPods and more. There has never been a better time to check out your shopping cart with the attractive Top Spender and Lucky Draw Giveaways worth over $7,000!

If you are someone who prefers to see the products with your own eyes before hitting the purchase button, then join in over hundreds of live broadcasts with sellers showcasing their products on Shopee Live.

To thank you for your support over the years, here are some amazing deals that you can look forward to. Be warned: you’ll need to act fast because these sought-after products are guaranteed to sell out fast.

Apple AirPods Pro

$365.00 $265.00

AirPods Pro are the only in-ear headphones with Active Noise Cancellation that continuously adapts to the geometry of your ear and the fit of the ear tips — blocking out the world so you can focus on what you’re listening to. If you have been eyeing a pair but find it slightly over your budget, you can now get it for less at $265 — a whopping $100 discount from the retail price.

Nintendo Switch Gen 2 Console (Extended Battery Edition)

$799.00 $399.00

This portable device is the only thing you’ll ever need for gaming when you are travelling. This newer model includes an improved battery life of approximately 4.5 – 9 hours, depending on the games you play.

2D1N Ascott Raffles Place Weekday Staycation Deal

$400.00 $220.00

Indulge in a relaxing staycation, away from the hustle and bustle with a 2 Day 1 Night staycation in the spacious Cutler Suite at Ascott Raffles Place at only S$220.00 nett instead of S$400.00! The deal includes access to the swimming pool and gym with complimentary WiFi access. Exclusive price valid only at 8pm, Singapoliday Hour on Crazy Flash Deals.

Tiger Lager Beer Can (24 x 320ml)

$53.50 $43.80

Don’t worry, beer happy. There’s no better time to celebrate this festive month with the country’s favourite beer brand. Grab a carton of Tiger Beer for $43.80 and stock them up to welcome your guests. Exclusive price valid only at 12pm, Lunchtime Rush Hour on Crazy Flash Deals.

Apple iPhone 12 Pro Max (128GB)

$1,799.00 $1,759.00

Enjoy great savings on the latest Apple iPhone 12 Pro Max (128GB). On 12.12, be the first to snag a brand new iPhone 12 on Shopee at S$1,759.00 instead of S$1,799.00. The set is a local telco set and comes with a 1 year Apple Warranty from the activation date. With such a solid bargain, it’s time to consider switching phones.

Nike sacai VaporWaffle Black (Pre-order)

$855.00 – $895.00 $740.00 – $780

This one is for the visionaries—those who recognise the importance of yesterday when building a better tomorrow. Combining the innovative Vaporfly with the classic Pegasus from 1983, the Nike x sacai VaporWaffle doubles up on the details, merging the past and future of Running. A comfortable, secure upper combines with the classic Waffle outsole for a fit and feel you love with the boundary-pushing look of sacai.

Hendrick’s Gin 70cl

$97.95 $58.50

With Hendrick’s, you get an unexpected infusion of cucumber & rose petals that results in a most iconic Gin. Mix with Indian tonic water for the classic G&T and use in your next martini.

Moet Chandon Imperial Brut 750ml (Without Box)

$73.60 $55.90

Indulge in the delicious taste of white-fleshed fruits including pears, peaches and apples, along with floral flavours. Moët & Chandon is the perfect go-to bottle for any celebration or as a special treat for yourself.

For new Shopee users, you can also enjoy more savings with the promo code <SHOPEE1212MD>, where you will be able to get $7 off your purchases with a minimum spend of $15, valid till 30 June 2021.

The post Celebrate Shopee’s 12.12 Birthday Sale With Discounted Apple AirPods, Nintendo Switch & More appeared first on MoneyDigest.sg.

Time flies, isn’t it? In a blink of an eye, one-third of the month is already gone. If you’ve yet to make yearend reflections or new year resolutions, it’s about time you begin. When that is out of the way, let’s take a look at what’s on sale at FairPrice.

This week, we’re looking at up to 42% discounted deals for your grocery shopping. There are Häagen-Dazs ice cream stick bars, 1-for-1 assorted frozen pizzas, and more. Scroll to the end for weekly thrift deals and Christmas special savings just for you!

#1: Häagen-Dazs Stick Bar Ice Cream – Assorted

Sale Price: 2 for S$21.80

Usual Price: S$13.90

Savings: S$6

Put S$6 right back into your pocket when you purchase the Häagen-Dazs ice cream stick bars from now will 16 December at FairPrice. Each stick bar ice cream which usually costs S$4.63 is only S$3.63 with this ongoing promotion! Ice cream fans who don’t fancy assorted flavours can indulge in the Chocolate Choc Almond or Vanilla Caramel Almond in a box of three of the same tastes.

#2: Buitoni Thin Crust Pizza – Tuna

Sale Price: 2 for S$9.95

Usual Price: S$9.95

Savings: S$9.95

Peeps, here’s a 1-for-1 deal to start your second-third of December right. Buitoni Thin Crust Pizza which originates from Italy is here to save the day when you’re too lazy to dine out. Apart from tuna, there are other varieties, including Four Cheese, Margherita, Caprese, and Grilled Vegetables. All you need is about 10 to 12 minutes of baking time to prepare a quick meal or snack!

#3: Arumi Frozen Korean Pancakes – Kimchi

Sale Price: S$5.50

Usual Price: S$7.90

Savings: S$2.40

Where are my kimchi fanatics at? Ready-to-eat Korean pancakes conveniently packed in a bag of three just for you! This deal is probably one of the lowest-priced I’ve seen because if I recalled correctly, I bought it at S$5.95 a few weeks back. Based on personal preference, I would recommend the seafood type than the kimchi. Yet to try? Buy the two varieties and let us know what you think?

#4: Hai Chi Jia Hot & Sour Instant Noodles

Sale Price: 2 for S$3.75

Usual Price: S$3.25

Savings: S$2.75

Friends have been nagging at us to try the Hai Chi Jia Hot & Sour Instant Noodles. With 42% off the original price if you buy 2, maybe it’s about time we join the Hai Chi Jia fan club. Mind you, a cup which typically costs S$3.25 is only S$1.88! No better time than now to stock up in your pantry if you love the appetite-inducing hot and sour combination.

#5: Ferrero Rocher Chocolate

Sale Price: S$13.95

Usual Price: S$21.65

Savings: S$7.70

With the Christmas lights up at various shopping malls and neighbourhoods, we probably don’t have to remind you that we’re right in the midst of the festivities. At the time of writing, we’re only 15 days to Christmas! Whether you’re thinking of gifting a whole box of Ferrero Rocher Chocolates or making some sweet treats inspired by it, ride on the savings and buy yours at FairPrice!

Must-buy items from now till 16 December 2020

FairPrice’s weekly saver deals till 16 December 2020

Celebrate a season of gifting from now till 23 December 2020

The post FairPrice: Save up to 42% with must-buy items from now till 16 December 2020 appeared first on MoneyDigest.sg.

Are you racking your brains trying to think of ways to celebrate the upcoming Christmas? If cosy gatherings, home feasts, and enjoying the festive season on a budget sound like lovely ideas, we might just have the right deals for you. From decorations to feasting and gifting, Giant is an excellent one-stop shop to get your Christmas essentials at great values.

Look forward to Giant’s weekly four-day special campaign throughout December, and stay on this page if you want to know what’s available for purchase from 10 – 13 December! Let Giant be part of your celebrations this jolly season.

Products you need to buy from 10 – 13 December

1. Tiger Canned Beer / Crystal Beer 6s

Sale Price: $12
Usual Price: $16.40

Uncage ultimate refreshment with the Tiger Canned Beer or Crystal Beer. You can expect an extra smooth beer to swing into the Christmas merrymaking mood. With Tiger Beer’s unique and creative filtration process that captures the best aromas and flavours, it will keep you coming back for more.

2. Clear Micellar Assorted Shampoo / Conditioner

Sale Price: 2nd buy @ $1
Usual Price: $13.90 each

Peeps with dry to normal scalp and hair condition should use the hydrating Clear’s Micellar shampoo & conditioner type with 100% natural pomegranate extract to nourish your scalp. For those searching for a suitable product to tackle oily scalp and hair, go for the purifying variety containing 100% naturally sourced bamboo extract to get rid of impurities.

3. Gillette Fusion ProGlide Styler Razor

Sale Price: $21.90
Usual Price: $29.90 each

The Gillette Fusion ProGlide Styler Razor is a 3-in-1 tool you can use to trim, shave, and groom precisely. This is all thanks to its Fusion ProGlide Power Cartridge head that provides you with a smooth, effortless glide. Make a switch to this razor if you want to achieve crisp and defined lines during your daily self-grooming sessions.

4. TCL S6500 40″ FHD Android TV / P615 43″ 4K Android TV

Sale Price: $339 / $399
Usual Price: $449 / $549

Think it’s about time to change to a new television to welcome the new year with new things? Consider the 40-inch TCL S6500 Series or the TCL 43-inch 4K Android TV.

The 40-inch FHD AI smart television is not only slim and sleek but also has a wide viewing angle with enhanced sounds of Dolby Audio. Netflix, YouTube, or Google Play movies to a new year for non-stop entertainment you and your family will love.

While the 43-inch 4K Android TV has a stunning 4K display with dynamic colour enhancement and optimised visual vibrancy that will transport you into your television dramas. With TCL’s MagiConnect app, you can even control the television conveniently from your smartphone! The app is downloadable from Google Play Store or the App Store.

5. Friso Gold 2FL Stage 3 Growing Up Milk (2 x 1.8KG)

Sale Price: $122.50 Twin Pack
Usual Price: $168 Twin Pack

Friso Gold 2FL Growing Up Stage 3 is made from high-quality NOVAS Signature Milk that is sourced directly from the farms of Netherlands. Using LockNutri Technology that locks in milk protein structure in its natural form, your young toddler will find the milk formula easy to digest. It also consists of essential nutrients such as prebiotics, probiotics, DHA, nucleotides, Vitamin D, and Selenium to aid in your child’s development.

Other than the products mentioned above, look forward to other festive specials including Meadows chocolates, Carex natural antibacterial hand wash, Kotex pantyliners, and Pampers premium care pants.

Yummy Christmas feast sets to fill your tummies

Giant has also prepared a variety of delicious Christmas feast sets to add to the festive cheer. The Hearty Christmas Feast Set (Halal) is one to look out for.

Priced at just $89.95, the feast set is sufficient for a group of up to eight persons. You will get a mouthwatering combination of rosemary roasted chicken with chestnut stuffing, honey turkey ham, smoked garlic chicken sausages, ribeye roast beef with Italian herbs, and brown sauce as the cherry on top.

Other than feast sets, Giant’s feast catalogue also has other selections including whole turkeys, hams, roasted delights, and party platters! Receive a free tote bag for every Christmas feast set, or whole turkey purchased. You may even bag home an early bird gift! Remember to place your orders by 20 December and collect it by 25 December at any Giant hypermarket.

A wide range of exciting festive promotions available at Giant

Remember to take this chance to shop a wide range of exciting promotions available at Giant! Look out for promotional deals on dairy & frozen delights, munchies, beverages, holiday decorations, items on Santa’s gift list, and more!

Also, spend a minimum of $20 in a single receipt to purchase the MasterChef Cookware at irresistible prices from now till 28 February 2021.

For more details, browse Giant’s e-catalogue and don’t forget to head down to the stores from 10 – 13 December to get your hands on the attractive four-day only deals. A fuss-free festive celebration awaits you at Giant this year.

Have a wonderful and love-filled Merry Christmas!

The post 4 Days Festive Deals at Giant Every Week This December! appeared first on MoneyDigest.sg.

Habits are powerful. From cycling every morning to praying every night, habits are frequent patterns of behaviors that reflect who we are. It is the selective repetition of activities that shapes our lives. Inevitably, our habits become significant parts of our lifestyles.

We often fail at building habits by setting unrealistic and unsustainable goals. Starting small makes habit building more manageable. Benjamin Hardy compares this concept (micro habits) to compounding interest. When given choice, people would opt to take a million dollars in the bank as opposed to a cent that doubles in value over the course of the month. What most people do not realize is that they will get more payout by taking the second option.

He said: “The doubling penny actually ends up being $10.7 million dollars. Yet, the majority of the growth happens at the very end, and most people aren’t patient enough for the big return. The live for the moment culture of today stops people from investing.”

Micro habits can change your life. It is up to you to strategize which habits you are willing to integrate in your routine. Here are some of the examples.

#1: WRITE A PARAGRAPH

Whether you are building a robust business plan or a non-fiction book, start by writing a few sentences each day. Make it a goal to write a paragraph by the end of the week. The momentum will build on its own and you will find yourself effortlessly writing more and more as the days go by. In fact, I have written my second book in less than two months. Beginnings are always the hardest.

#2: LISTEN TO UPLIFTING PODCASTS OR SONGS

Open your Spotify or music app and listen to podcasts and songs that inspire you. Children typically benefit from having background music while they learn. You may consider listening to a financial podcast as you travel to work. Great music can put you in an energized working state.

#3: RESPOND TO TEXTS AND EMAILS

As much as possible, respond to important emails and texts as they come in. This way, you will not be left with a backlog of tasks to attend to.

#4: BE LESS REACTIVE

Train your mind to be calmer. When you see or hear something that immediately frustrates or upsets you, avoid reacting first. Analyze your thoughts and take a deep breath. Learning to take small pauses will help you figure out where your emotions come from and what your next action should be.

#5: PREPARE FOR YOUR NEXT DAY

Always come to work or school prepared. Prepare for the next day by allotting a few minutes of your night routine to preparation. Make a simple list of the things you need to bring or tasks that you need to accomplish tomorrow. Then, plan your attire. This can take you about 5 to 10 minutes.

#6: TAKE A POWER NAP

A power nap that can span for 15 minutes is all you need to get back to your optimum performance. It is a skill that you can master for a period of time. You will find yourself accomplishing more by napping once or twice a day.

#7: PRACTICE SAYING “NO”

Our energy levels are limited per day. More often than not, you will come across some of the most demanding people. Ensure that you spend your energy to the things and people that you truly care about. Do not feel bad for saying “no”. Ultimately, it is a means of self-preservation.

#8: DRINK MORE WATER

It is recommended to drink about 8 cups of water a day. Just focus on drinking one more glass a day. Then, it will become a part of your routine.

#9: EAT ONE LESS UNHEALTHY SNACK A DAY

It is easier to skip one unhealthy snack a day than to overhaul one’s entire diet. Focus on one unhealthy item that you can live without that day. Just one!

#10: CELEBRATE SMALL WINS

This year has been all about counting our blessings. Big wins do not come by often. Boost your morale by celebrating small wins. There is a reason why people rush to go to the game’s “boss level”. We constantly want to be rewarded. So, every time a small positive event happens in your life, consider it a “win”. You may treat yourself to a hearty lunch or write it down in your “success journal”.

Image Credits: unsplash.com

Celebrate small wins. You deserve it!

Sources: 1 & 2

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