It is now possible to shop for all the things you love in ONE single mobile app – CART! This mobile app combines the best of 4 worlds: Giant, Cold Storage, CS Fresh and Guardian. With over 20,000 items available (and counting!), you will surely find something that you need without ever having to step out of your house. These include exclusive range of products such as Giant and Guardian house brands, and the award-winning Meadows with good quality products at value prices. Find out how the brand-new CART mobile app delivers both convenience and savings.
Enjoy Savings Galore with CART
Firstly, all NEW customers will receive $20 worth of coupons* simply by downloading CART on APP Store & GOOGLE Play You can expect the usual promotions from your favourite brands (Giant, Cold Storage, CS Fresh & Guardian) plus app-exclusive deals!
Everyone loves FREE Delivery – so now with just $50 min spend, you can enjoy FREE delivery on all CART orders. No hidden charges or service fees too! Of course, let’s not forget that you continue to enjoy immense savings with Giant’s Lower Prices That Last on groceries and Guardian’s Low Prices Locked To Stay Low on health & beauty essentials!
Register on CART app and be the 1st to know of flash deals, specials coupons and ongoing promotions!
* All new CART customers will receive $20 worth of coupons (with denomination of $10, $5, $5) and can be redeemed from the ‘My Coupons’ section in ‘My Account’. Only one (1) coupon can be used per transaction.
Convenience At Your Fingertips
Missed a few items from your last grocery trip or don’t have the time to head out? With CART App, you can shop 24/7 at your own convenience as the shop never closes!
You can also look forward to getting your items delivered as early as the same day**
** Subject to slot availability and applicable for orders placed before 10am
Celebrate 11.11 with CART
Here is another reason why you should download CART ASAP! From 29 Oct – 11 Nov, celebrate 11.11 with CART. Enjoy additional perks such as:
$10 OFF $80 Spend for ALL customers (both new and returning)!
Up to 70% off exclusive CART deals from Giant, Cold Storage and Guardian!
Watch out for Daily Vouchers & Flash Deals!
Download CART on APP Store & GOOGLE Play now to enjoy insane savings and ultimate convenience!
Your career has a significant impact on your future. It can affect many facets of your life such as your lifestyle, income, identity, and family. Carefully consider your options and follow these steps to help you decide what career to pursue.
#1: LEARN ABOUT YOURSELF
You must assess yourself first before choosing the right career path. Your interests, soft skills, aptitudes, personality, and values make you a good fit for a particular occupation.
What subjects did you enjoy at school? What activities have you done well at? You can use self-assessment tools to gather information about your traits. Others work with career counsellors to help them navigate this process.
#2: MAKE A LIST OF TOP 4 CAREERS
Narrow down your list of potential careers. Keep in mind that you must choose a career in which you are interested. Aim to match your qualifications and personality with your top four choices.
See if these choices feature similar skills and other qualifications. Make note of these similarities as it can help you decide what your future study options can be.
#3: EXPLORE THE LIST
Now that you have the basic information about each occupation on our list, it is time to do your research.
Image Credits: pixabay.com
Look for job descriptions, further training, and licensing requirements. Learn how you can advance in a particular position. You can also research on the job outlook and your potential earnings.
#4: CREATE A SHORT LIST
Begin eliminating careers that you do not want to pursue any further. You should end up with two occupations on your concise list.
Eliminate everything with duties that do not appeal to you. Remove careers that have weak job outlooks! Lastly, get rid of careers that you are unable or unwilling to fulfill the requirements.
#5: CONDUCT IN-DEPTH INTERVIEWS
Narrow your choices further by conducting in-depth interviews. Find credible people in career resources such as LinkedIn. Arrange to meet with people (i.e., online, or offline) who work in the occupations in which you are interested. These people can provide firsthand experience about their careers.
Study their answers and go back to your list. Contemplate on your potential career options.
The current pandemic has made more people take a closer look at their health insurance coverage and recalibrate to focus on what truly matters. Short waiting times, choice of doctors and being able to rest and recover in the privacy of a single room are some of the factors considered when choosing a hospital for treatment.
Timely, Quality Medical Care
One often overlooked characteristic of medical treatment is value. In fact, the importance of timely and attentive medical care cannot be underestimated. For example, patients sometimes delay seeking treatment out of procrastination or superstition. We all probably know of a family member or friend amongst us who dismiss the emergence of some symptoms as one-off incidents or simply the inevitable outcome of aging. However, this could potentially lead to unintended consequences such as deteriorating or irreparable medical conditions.
Seeking treatment early could mean reduced chances of having invasive treatments due to complications, which in turn can reduce the overall cost of treatment.
At the IHH Healthcare Singapore group of private hospitals namely, Gleneagles, Mount Elizabeth, Mount Elizabeth Novena and Parkway East, consumers can book an appointment with specialists for the next working day and even schedule surgery within 48 hours. They are also supported by multi-disciplinary specialists with years of experience under their belts and equipped with modern technology and facilities. This naturally leads to an environment where prompt treatment and care is prioritised in a space that promotes their subsequent rest and recovery.
Minimal Cash Outlay
Worried about the size of your medical bills? Some people choose to avoid hospitals because they fear huge medical bills. A survey conducted found that 2 in 5 patients spent most of their life savings battling illnesses. This shows how important it is to have proper medical coverage through an integrated shield plan so that you are protected from huge medical expenses.
Do you know that it is actually possible to receive quality medical care with minimal cash outlay? The key to this is to ensure that you have an integrated shield plan with rider where co-payment can be capped at 5% of the total hospitalisation bill. Here are some examples from Parkway East Hospital:
A cataract surgery with lens implant is estimated at $7,718, pay either $0 (full rider) or $385.90* (co-pay rider)
A surgery for removal of gallbladder with 3 days of hospitalisation in a standard single room is estimated at $29,696. Integrated Shield Plan holders pay either $0 (full rider) or $1,234.70 (co-pay rider)
**Examples are calculated using NTUC Income Enhanced IncomeShield Preferred and Deluxe Care Co-pay rider. Out-of-pocket costs may be further reduced by Medisave, subjected to claim limits, and corporate insurance, if any. The estimated bill and average length of stay are calculated based on historical data and serves only as a guide. The bill size will differ depending on the severity of condition and other factors. In the event of any dispute, the decision of Parkway East Hospital is final. Please confirm your coverage with your health insurance provider.
According to the Straits Times, 7 in 10 Singaporeans and PRs have an integrated shield plan. Of the 2.94 million people in Singapore covered by integrated shield plans, 1.75 million have coverage for private hospital care. In all, about 1.1 million people have riders.
Are you one of the seven in 10? For those who already have existing integrated shield plans, do speak to your insurance agent to understand what your health insurance coverage entails. It will be good to understand beforehand if you will be able to afford the co-payment if admitted into a private hospital. If your insurance agent is unable to assist, simply pick up the phone to dial or WhatsApp IHH SG’s Parkway Insurance Concierge hotline at 9834-0999. They will be able to address queries related to the coverage on your integrated shield plans, panel doctors and help patients make appointments.
Hospital Bill Estimator
To provide greater peace of mind, it is now possible to have an estimate of your hospital bill before seeking medical treatment. This service is available online at Gleneagles, Mount Elizabeth, Mount Elizabeth Novena and Parkway East Hospitals. All the customer needs to do is to provide information on his/her Integrated Shield Plan and riders to have an approximation of the out-of-pocket medical expenses for common surgical procedures.
Here is an example of how to attain the out-of-pocket medical expenses for a colonoscopy (diagnostic) with Polyp Removal at Parkway East Hospital.
Step 1: Select a Body Part (Eg: Stomach and Lower Body)
Step 2: Select a Procedure (Eg: Intestine, Colonoscopy (Diagnostic) with polyp removal)
Step 3: Select your Private Integrated Shield Plan (Eg: Income Enhanced IncomeShield Preferred)
Step 4: Select your Private Integrated Shield Plan rider (Eg: Deluxe RiderCare)
Step 5: Receive your estimated out-of-pocket costs
Knowing the estimated bill size and estimated out-of-pocket costs allows the customer to plan and budget properly and seek medical treatment with greater confidence. In this example, having to fork $200.95 (only 5% of the hospitalisation bill) out-of-pocket means one less worry and ensures that a patient is able to focus on getting treated and recovering. This is an invaluable factor that contribute to a patient’s well-being. In addition, out-of-pocket costs can be further reduced with corporate insurance (if any) and MediSave.
Take Charge of Your Health Insurance Coverage
It pays to find out more about your health and hospitalisation coverage before you even need it. For those who have yet to purchase an integrated shield plan, take action now to ensure that you are guarded against the risk of insufficient medical coverage.
Remember, an empowered consumer armed with the correct information is always in a better position to make better healthcare decisions! Know your options.
Dial or WhatsApp IHH SG’s Parkway Insurance Concierge hotline at 9834-0999 to make an appointment or have your queries on integrated shield plans and panel doctors answered.
An eye-opening study showed that only 17% of teenagers between the ages of 12 and 17 knew how to manage their money. Among these respondents, 24% said they did not know the difference between credit and debit cards. Budgeting was a concern as well as learning how to save money.
One of the reasons why the teenagers lack knowledge of money matters boils down to their parents. They elaborated that their parents were not doing an excellent job in teaching them about money. Moreover, personal finance was not embedded in most of the academic institutions.
Fill in the gap by instructing your children about these important financial subjects.
#1: BASICS OF BUDGETING
Budgeting is among the biggest priorities of teenagers. Budgeting allows an individual to track where the money is going and where it needs to be. While it is tempting to accept money from your parents and quickly burn through it, it is vital to know how to maximize it.
Parents must not let their children be dependent. They will end up unaware of how to manage their finances.
#2: BASICS OF BANK ACCOUNT
Instilling in children the concepts of earning, saving, and investing is essential in developing life skills that they can use in the future. Opening a bank account or a savings account can help the teen to manage his or her own money.
Image Credits: unsplash.com
Knowing the basics of bank account such as navigating through the online banking and transferring funds to other accounts is important. As there are no up-to-date teaching tools to help teens learn about bank accounts, you may take your child to the bank to get a hands-on experience.
#3: POWER OF COMPOUNDING
Compound interest is the interest on a deposit or loan calculated based on both the accumulated interest from previous periods and the initial principal. Time is the teens’ friend. They all have the potential to be millionaires someday, but the odds of attaining that goal increase sharply if they save early.
You can start by putting away a reasonable amount per month. Let it grow!
#4: POWER OF EMERGENCY FUNDS
Whether you come from an affluent household or a modest one, putting away some money for emergency use is essential. Parents may teach their children about the importance of emergency funds by painting real-world scenarios such as assigning a job per child. Ask the child what they would do if they suddenly had twins or a critical illness. Remember to keep things simple by excluding complicated jargons to your conversations.
Image Credits: unsplash.com
Make it a priority as a family to be more mindful with your money. Spend less and celebrate how money is grown over time.
Since no one knows how COVID-19 can surprise us, it would take a while for us to gather in groups again. Not sure when you can have your in-person alcohol party again? We’re unsure too. However, as most of us are pro-Zoom-ers by now, it would make sense to organise an online booze gathering for now.
Managed by a 5-star luxury hotel, Fairmont Singapore, Fairmont At Home offers limited edition bottled cocktails that are currently on sale (at the time of writing). From S$19.25 (promo price), you can get a taste of these unique concoctions:
Apple of My Pie: Glenfiddich 12 Yr Whisky | Calvados | Salted Caramel | Rooibos Tea
At just S$70, you can experience the fun of home bartending. Tinto De Pintxo (The Alkaff Mansion’s take on Sangria) and Basque Berry will sit very well with the classic cocktail lovers and can be bought individually if you don’t want the bundle.
If you want a local interpretation of your usual cocktails, Nutmeg & Clove is the place to shop at. They have a full list of bottled high ball and signature cocktails starting at just S$40. Here are just some 250ml ones to name a few:
Yuzu: Hendrick’s Gin | Yuzu | Citrus | 2 Bottles London Essence Indian Tonic
Lychee: Haku Vodka | Lychee | Elderflower | 2 Bottles London Essence White Peach & Jasmine Soda
You may have seen Tippling Club while walking past Tanjong Pagar Road. This is what Sethlui had to say about their alcoholic beverages:
“These cocktails will definitely make you see the world in a different way. From pleasant to painful memories and feelings, the unique tastes of these sweet treats and alcoholic beverages made me think long and hard about my own dreams and desires.”
Native Bar is sited along Amoy Street and associates itself as a brand that uses regional products and ingredients. We took a look at their bottled cocktail menu and saw more than 10 items alcohol lovers will adore.
Starting from just S$48, here are some 250ml mixtures we think you will be hooked on:
Pandan: Indian Single Malt Whisky | Pandan | Jaggery | Himalayan salt
Peranakan: Jackfruit Rum | Laksa Leaves | Goat’s Milk | Candlenut | Gula Melaka
As part of a collaboration between Compendium and Section D, we would like to highlight their Childhood Cocktail Box priced from S$88. Take a trip down memory lane as you channel the inner mixologist in you to create these two drinks – the Adult Sippy Cup and the Tipsy Skippy.
The Adult Sippy Cup infuses our nostalgic Want Want milk and biscuit snacks to create a milky, comforting booze to chase our adult woes away. As for Tipsy Skippy, it’s a recipe that uses Skippy’s creamy peanut butter in your cocktail. Peanut butter cocktail may sound weird but try it and you may be in for a pleasant surprise!
For the price you pay, you will get:
1x Chendol Gin (100ml)
1x “V” Dry Vermouth (50ml)
1x Want Want Milk
2x Soda water
3x Want Want Milk Biscuits
1x Spiced Rum (100ml)
1x Teh-O Liqueur (50ml)
1x Marigold UHT Milk
1x Skippy’s Creamy Peanut Butter
1x Childhood Cocktail Box Recipe Card
Think you will be concocting cocktails for a long time to come? Add on S$20 and have a Cocktail Tool Set consisting of a shaker, a jigger, and a stirrer sent to you.
And that’s all from us! Have a lovely time but drink in moderation, folks.
