Singapore dollar hits an all-time high of 3.57 against the Malaysian ringgit

The Singapore dollar (SGD) has surged to an all-time high against the Malaysian ringgit (MYR), crossing the 3.57 mark as of 20 February 2024 at 9:43 PM. (GMT+8)

As at time of writing, the Singapore dollar is trading at RM3.5731.

Source: Google Finance

For Malaysia, the continued weakness in its exports has been a significant concern. This downturn in export performance can be linked to sluggish global demand and competitive pressures, which directly impact the country’s trade balance and, consequently, the value of its currency.

Additionally, “external factors” such as the rate hikes by the United States Federal Reserve have exerted pressure on emerging market currencies, including the Malaysian ringgit. These rate increases tend to attract investors towards US-denominated assets, leading to a depreciation of other currencies. Geopolitical concerns and uncertainties regarding China’s economic prospects further contribute to the volatile global economic environment, affecting investor sentiment and causing fluctuations in currency values.

In contrast, the Monetary Authority of Singapore (MAS), has maintained its monetary policy unchanged, continuing its tight stance as the city-state grapples with persistent inflation. Unlike most countries where central banks adjust interest rates to influence economic activity, Singapore’s monetary policy is primarily centered on managing the exchange rate. The MAS allows the Singapore dollar to appreciate or depreciate against the currencies of its major trading partners within an undisclosed band. This strategy aims to stabilize prices and maintain competitiveness, thereby directly influencing the value of the Singapore dollar.

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Get a free PlayStation® 5 Disc Console worth S$799 or S$500 eCapitaVoucher when you apply for select credit cards via SingSaver

SingSaver, the leading finance portal, is rolling out a red carpet of rewards that’s bound to make your February unforgettable.

From 20th to 29th February 2024,  SingSaver is giving away an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the already enticing promotional offers. This is your chance to double dip your credit card sign-up benefits by applying for select cards from the following banks such as Citi, CIMB, SCB, and HSBC.

How it works

Mark your calendars as the promotion runs daily from 20th – 29th February 2024. The first 5 new-to-card applicants who apply for any of the listed credit cards below during the two exclusive time slots – [12pm] and [3pm] each day – will walk away with an additional PlayStation® 5 Console (SLIM) Disc Edition worth S$799 or S$500 eCapitaVoucher on top of respective promotional card rewards. How the first 5 applicants are picked:

  1. When you clicked on Apply Now button below, a new window appears
  2. Submit your application on the new window only and follow the link in the email sent to you and submit your Rewards Redemption Form respectively
  3. The timestamp will be logged when you submit your email address and at the end time of your submission of the rewards redemption form
  4. The first 5 applicants who applied at each time slots (12pm & 3pm) and get their card approved will be eligible. The counter to determine the first 5 successful applicants resets at 12pm & 3pm (per time slot) each day during the Promotion Period.
  5. Successful applicants will be announced on this page.

Not the first 5? Fear not! All successful applicants who activate their card and fulfil the minimum spend requirement as defined by “Qualifying Spend” within the specified days of card approval will still have the opportunity to select from the existing array of welcome gifts. This means that every applicant has a golden opportunity to secure at least a reward during this campaign period.

For more details of how the selection process works, click here.

Choose from the following cards:

HSBC TravelOne Credit Card

Apply Now

The HSBC TravelOne Credit Card opens up a world of elevated travel with its incredible features. This card stands out as the first HSBC credit card to offer instant redemptions with a wide array of airline and hotel partners, all accessible through your mobile app, providing unprecedented convenience. Additionally, you can earn up to 2.4 miles (6X Reward points) for every dollar spent, accelerating your journey towards your travel dreams. The card further enhances your travel experience with complimentary travel insurance coverage, including protection against COVID-19, airport lounge visits, and more. Moreover, its flexibility shines through with the option to split purchases across various tenors to suit your individual needs through HSBC Instalment Plans, ensuring that your travel experiences are tailored to your preferences.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive a Dyson Supersonic hair dryer (worth S$699) or Sony WF-1000XM5 Wireless Noise Cancelling Headphones (worth S$429) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or S$300 Cash via PayNow upon activating and spending min. $500 plus pay annual fee of S$196.20 by end of the following calendar month from the card account opening date

HSBC Visa Platinum

Apply Now

HSBC Visa Platinum Credit Card is a high cashback rewards credit card, with no annual fees – ideal for families as you can get 5% cash rebate on categories like dining, groceries and fuel. Important to note would be the minimum spending requirement of S$600 per calendar quarter to qualify for rebates and the S$250 rebate cap per calendar quarter.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive a Dyson SupersonicTM hair dryer (worth S$699) or Sony WF-1000XM5 Wireless Noise Cancelling Headphones (worth S$429) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or S$300 Cash via PayNow upon activating and spending min. $500 by end of the following calendar month from the card account opening date

HSBC Revolution Card

Apply Now

HSBC Revolution Card is a rewards credit card ideal for savvy online shoppers. It allows you to earn up to 10X Points on online purchases or the usage of contactless payment like Visa PayWave and Apple Pay. Alternatively you can choose miles as your reward, with 4 miles for every dollar spent ($1 = 4 miles). Benefits of the HSBC Revolution card include no annual fees, travel insurance, no required minimum spend and more.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive a Dyson SupersonicTM hair dryer (worth S$699) or Sony WF-1000XM5 Wireless Noise Cancelling Headphones (worth S$429) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or S$300 Cash via PayNow upon activating and spending min. $500 by end of the following calendar month from the card account opening date

HSBC Advance Credit Card

Apply Now

The HSBC Advance Credit Card is a cashback credit card designed to help you save as you spend with up to 3.5% cashback without minimum spend. Spending less than S$2,000 monthly gets you 1.5% cashback while spending more than S$2,000 will get you 2.5% cashback. The maximum cashback you can earn per month is capped at S$70.

The extra 1% cashback can be earned when the HSBC Advance Cardholder also has an HSBC Everyday Global Account that fulfills S$2,000 of monthly deposit AND charges 5 qualifying Credit Card transactions.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive a Dyson SupersonicTM hair dryer (worth S$699) or Sony WF-1000XM5 Wireless Noise Cancelling Headphones (worth S$429) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or S$300 Cash via PayNow upon activating and spending min. $500 by end of the following calendar month from the card account opening date

CIMB Visa Infinite Card

Apply Now

The CIMB Visa Infinite Card lets you earn unlimited 2% cashback on Travel, Overseas and Online Spend in Foreign Currencies and unlimited 1% cashback on all other spend. With no annual fees for life and 3X complimentary access to airport lounges around the world, this card offers unparalleled benefits for frequent travelers. Other perks include exclusive dining and shopping privileges, and free travel insurance coverage.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive Flujo BEA Ergonomic Office Chair worth S$509 or +PLUS Chelsea Check-In 22″ Luggage worth S$449 or Nintendo Switch Lite worth S$309 or S$280 cash via PayNow upon activating and spending min. $988 for 60-day periods following card approval

CIMB Visa Signature Card

Apply Now

The CIMB Visa Signature Card is designed for customers who love to shop, dine, and travel. With attractive 10% cashback on Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Veterinary Services and Cruises, this card makes it easy to earn cashbacks The card also offers exclusive dining and shopping privileges, as well as travel insurance coverage for added peace of mind. Plus, with no annual fees for life, this card is a great choice for anyone looking for a reliable and rewarding credit card.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive Flujo BEA Ergonomic Office Chair worth S$509 or +PLUS Chelsea Check-In 22″ Luggage worth S$449 or Nintendo Switch Lite worth S$309 or S$280 cash via PayNow upon activating and spending min. $988 for 60-day periods following card approval

CIMB World Mastercard™

Apply Now

The CIMB World Mastercard™ is a premium card that offers a host of exclusive privileges, including the highest unlimited cashback in Singapore of 2%^ on Dining, Online Food Delivery, Movies, Digital Entertainment, Taxi Rides, Ride-Hailing, Automobile & Luxury Goods! The CIMB World Mastercard also offers cardholders 50% off green fees at 42 prestigious golf courses across the region, making it an excellent choice for avid golfers. With no annual fees for life and generous cashback and rewards programs, this card is a great choice for anyone looking for a rewarding credit card. Customers can also enjoy exclusive dining and shopping privileges, as well as travel insurance coverage for added peace of mind.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive Flujo BEA Ergonomic Office Chair worth S$509 or +PLUS Chelsea Check-In 22″ Luggage worth S$449 or Nintendo Switch Lite worth S$309 or S$280 cash via PayNow upon activating and spending min. $988 for 60-day periods following card approval

Standard Chartered Simply Cash Credit Card

Apply Now

Elevate your financial journey with the Standard Chartered Simply Cash Credit Card, a gateway to a world of exciting possibilities and unbeatable rewards. Imagine earning a generous 1.5% cashback on all your expenditures, transforming your everyday transactions into a treasure trove of savings. But the benefits don’t stop there – this card is designed to revolutionize the way you manage your finances. Whether it’s settling your IRAS dues, investing in education, securing insurance coverage, or managing rental payments, the Simply Cash Credit Card showers you with not just cashback, but also reward points and even bonus interest.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive a Dyson SuperSonic (worth S$699) or Dyson AM07 + $50 eCapita Voucher Bundle (worth S$509) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or up to $370** upon activating and spending min. $500 spend within 30 days of card approval.

* Get an additional $20 e-capitaland voucher when you split the payment for your purchases with SCB Easy Pay, pay their bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval* T&C applies.
* Get an additional $20 e-capitaland voucher when you make a min. spending of $1,000 in your 2nd month.

Standard Chartered Smart Credit Card 

The Standard Chartered Smart Credit Card allows you to earn 6% cashback in the form of reward points on selected merchants with no min. spend required. You can also enjoy S$0 fees on annual fee and cash withdrawal with 3-month interest-free instalments with 100% cashback on service fees. Now that is the smarter way to spend and you can say goodbye to fees!

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive a Dyson AM07 (worth S$459) or Apple AirPods Pro 2nd Generation (worth $365.70) or Apple Watch SE (2022) (worth S$382.50) or up to S$340** upon activating and spending min. $250 spend within 30 days of card approval.

* Get additional $20 e-capitaland voucher when you split the payment for your purchases with SCB Easy Pay, pay their bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval* T&C applies.

* Get additional $20 e-capitaland voucher when you make a min. spending of $1,000 in your 2nd month. T&C applies.

Standard Chartered Rewards+ Credit Card

Apply Now

Up your rewards game with the Standard Chartered Rewards+ Credit Card, your passport to exceptional benefits. Earn up to 10x rewards points on foreign currency for overseas retail, dining, and travel adventures, and enjoy up to 5x rewards points on dining transactions in SGD, adding a new dimension to your dining experiences. Plus, the perks kick in from the get-go with S$200 cashback upon spending S$388 within 30 days of card approval, setting the stage for a rewarding journey. Terms and conditions apply, so seize the opportunity to unlock a world of enhanced rewards and privileges.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive a Dyson AM07 (worth S$459) or Apple AirPods Pro 2nd Generation (worth $365.70) or Apple Watch SE (2022) (worth S$382.50) or up to S$340** upon activating and spending min. $250 spend within 30 days of card approval.

* Get additional $20 e-capitaland voucher when you split the payment for your purchases with SCB Easy Pay, pay their bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval* T&C applies.

* Get additional $20 e-capitaland voucher when you make a min. spending of $1,000 in your 2nd month. T&C applies.

Standard Chartered Journey Credit Card

Apply Now

Experience the extraordinary with the Standard Chartered Journey Credit Card, where every purchase becomes a gateway to your dream vacation. Earn 3 miles per S$1 for selected bonus categories, 2 miles per S$1 for overseas spending, and 1.2 miles per S$1 for local expenses, accelerating your rewards like never before. Revel in exclusive travel benefits, from 3 miles per $1 on online transactions to non-expiring rewards points that kick in from your very first dollar spent. Indulge in 2 complimentary Priority Pass lounge visits annually and travel with peace of mind through up to S$500,000 in coverage. Embrace a world of travel and rewards beyond the ordinary – your journey starts here.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive Laifen Swift High Speed Hair Dryer (worth S$239) or AirTag 4 Pack (worth S$150.35) or up to S$160** upon activating you card within 30 days. (No min. spend)

* Get additional $20 e-capitaland voucher when you make a min. spending of $1,000 in your 2nd month. T&C applies.

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.

  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 1,300 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.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive a Dyson Supersonic (worth S$699), or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.

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 Groceries and Petrol, and 6% on dining, daily, worldwide. Subject to cash back cap of S$80 across all retail spend per statement month with a min. spend of S$800 per statement month.

Imagine this: every $800 spends get you $80 cash back in a month. That works out to be almost a thousand dollar of cash savings in a year!

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30), or Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.

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. For example, you can earn 4 miles per dollar on shopping transactions, online food delivery, online groceries, ride-hailing platforms with the Citi Rewards Credit Card. Often paired with the amaze card, you’ll be able to earn 4 miles per dollar on both local and overseas spend, up to S$1,000 per statement month. If you are looking for a versatile card, look no further than the Citi Rewards Card!

  • 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.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive a Dyson Supersonic (worth S$699), or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.

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.

First 5 applicants: Get an additional FREE Sony PlayStation® 5 Disc Console (worth S$799) or a S$500 eCapitaVoucher on top of the Welcome gift below.

Welcome gift: 6th applicant onwards receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30), or Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.


Rewards Redemption Process

  1. Check if you are the first 5 applicant via this page here
  2. If you are not the first 5, you can still redeem the welcome gift of the respective cards by submitting the Rewards Redemption Form. SingSaver will be sending the redemption instructions to your email. (Check SPAM folder if you don’t see any emails.) You can then click here to check on the rewards redemption status.

Note: After you complete the application form from the bank, remember to take a screenshot upon completion so you can take note of the application reference number (ARN). You will need to enter the ARN when you submit your Rewards Redemption Form.  Here’s where to find it. Once you fulfill all the requirements (i.e. meeting the $500 mininum spend in 30 days from card approval), please allow some time for SingSaver and the bank to validate before they send you details on the redemption. Click here to understand more about the process.

For redemption follow-ups and enquiries, drop an email with your details to [email protected]


 

This promotion is not affiliated, associated, authorized, endorsed by, or in any way officially connected with Dyson, Apple, Nintendo, Sony, Laifen, Flujo or any of its subsidiaries or its affiliates. The names Dyson, Apple, Nintendo, Sony, Laifen, Flujo as well as related names are registered trademarks of their respective owners. Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval.

 

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4 electric toothbrushes $49.90 & under for better brushing on a budget

a person holding a black electric toothbrush

Oral hygiene is a necessity, and achieving a nice smile shouldn’t cost THAT much.

We understand the importance of finding a balance between quality and affordability and that’s why we’ve handpicked these electric toothbrushes, each $49.90 and under, that will boost your brushing routine without denting your wallet.

Dive into our list right now! We will show you what it means to have oral care meeting budget-friendly innovation.

Enchen Sonic Electric Toothbrush Aurora T+

Enchen Sonic Electric Toothbrush Aurora T+

Promo Price: $11.30 (was $20.60)

First up, we have this toothbrush that packs big performance into its compact form.

With three brushing modes including a massage setting, the Enchen Sonic Electric Toothbrush Aurora T+ provides a customized clean every time.

Its fast vibrations of up to 40,000 strokes/minute help break up plaque and debris, while the two-minute smart timer and auto-shutdown ensure you don’t overbrush.

The low-noise operation lets you enjoy your brushing session without disturbance, and the USB rechargeable battery delivers up to 14 days of brushing on a single charge.

Lightweight and portable, this toothbrush is great for travel and everyday use, giving you a whiter, healthier smile in 2024.

Xiaomi Mijia Sonic Electric Toothbrush T100

Xiaomi Mijia Sonic Electric Toothbrush T100

Promo Price: $11.90 (was $14.90)

Or you can consider the Xiaomi Mijia Sonic Electric Toothbrush T100 instead.

It uses high-frequency vibrations and a 360-degree cleaning mode to remove stains and plaque like no ordinary toothbrush.

Two cleaning modes—standard and soft for sensitive teeth—mean you get a customized clean. 

The light 46g brush and long 30-day battery life mean convenience and comfort, while the 6-month warranty provides peace of mind.

Say goodbye to stained teeth and hello to a brighter smile.

Colgate Proclinical B150 Charcoal Electric Powered Soft Toothbrush

Colgate Proclinical B150 Charcoal Electric Powered Soft Toothbrush

Promo Price: $27.40 (was $30.50)

This electric toothbrush is for those who want to step up their plaque-fighting power.

The compact charcoal-infused brush head with soft bristles sweeps along your gum line, while the lightweight handle allows for easy maneuvering.

With up to 20,000 strokes/minute and multi-directional cleaning, it provides superior plaque removal.

The built-in 2-minute timer helps ensure you brush right.

Ideal for fresh breath, this toothbrush also comes with a tongue and cheek cleaner to help remove odor-causing bacteria.

The brush head is replaceable, while the included batteries allow you to start brushing right away.

Zenyum Sonic Go Essential Travel Electric Toothbrush

Zenyum Sonic Go Essential Travel Electric Toothbrush

Promo Price: $49.90 (was $59.90)

Last but not least, Zenyum Sonic Go Essential is THE travel partner for your dental care needs.

This slim toothbrush uses high-frequency micro-vibrations for a deep cleanse through sonic technology, providing an optimal brushing experience.

You can choose from three personalized settings to find the mode that works for you.

The long-lasting battery provides up to 25 days of continuous brushing on a single charge, so you can leave your charger behind for short trips.

The IPX7 waterproofing means you can use Zenyum Sonic Go worry-free, like brushing in the shower.

And there you have it—we’ve shown you that oral care doesn’t have to come with a steep price tag. Each of these electric toothbrushes delivers on quality, efficiency, and affordability. Now, it’s your turn to decide which one meets your needs the best. A brighter smile and healthier teeth are just a switch away. So, take advantage of the promo prices now and brush your way to better oral health in 2024!

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4 baby lotions $14.40 & under to protect your little one’s sensitive skin

applying lotion to a baby's back

As a parent, we believe your baby’s well-being is always top of mind.

And if you want to protect their sensitive skin from unfavorable conditions, this article is your guide.

Here’s a list of some affordable baby lotions, each priced at $14.40 and under for your consideration.

Johnson’s Baby Bedtime Lotion 500ml

Johnson's Baby Lotion 500ml Bedtime

Price: $5.50

Slip your precious one into a cocoon of comfort with Johnson’s Baby Bedtime Lotion.

This lotion contains NaturalCalm essence, clinically proven to help calm and soothe your baby before bedtime. The lotion is pH balanced, hypoallergenic, and dermatologist tested, with a soothing aroma of jasmine and lily to gently signal it’s time for sleep.

The coconut oil and moisture-locking ingredients moisturize your baby’s delicate skin for 24 hours while being free of parabens, phthalates, and dyes. Just a few strokes of this lotion can help prep your baby’s mind and body for sweet dreams.

Dove Baby Rich Moisture Lotion 200ml

Dove Baby Rich Moisture Lotion 200ml

Price: $5.90

Next up, we have this lotion from Dove that is formulated for the most delicate of skin—your newborn’s.

Made with a blend of prebiotic moisture and cream, it helps protect and soothe your baby’s skin from the very first use. The prebiotics support the baby’s skin microbiome to keep it healthy and protected, while the hypoallergenic formula is dermatologist and pediatrician-tested to be gentle enough.

The rich lotion moisturizes for up to 24 hours, sealing in hydration so your baby’s skin stays soft and smooth. Use after every bath to help nourish skin and help prevent dryness that can lead to irritation and discomfort. Give your little one’s skin the loving care it needs from day one.

Pigeon Natural Botanical Baby Milky Lotion 200ml

Pigeon Natural Botanical Baby Milk Lotion

Price: $8.07

Pigeon’s natural botanical baby lotion provides long-lasting moisturization for your baby’s skin. 

Made with more than 90% natural ingredients, this non-greasy formula contains nourishing extracts of argan, olive, and chamomile to soothe dryness through the night.

Dispense an appropriate amount into your palm after your baby’s nightly bath and gently massage it into the skin. The light yet effective moisturization leaves skin soft and comfortable for a sound slumber.

Aveeno Baby Daily Moisture Lotion 227ml

Aveeno Baby Daily Moisture Lotion

Promo Price: $14.40 (was $18.05)

Last but not least, we have this nourishing lotion that hydrates your baby’s delicate skin for a full 24 hours without clogging pores.

The hypoallergenic, fragrance-free formula contains a natural colloidal oatmeal and emollient blend that soothes and moisturizes while protecting sensitive skin. Free of drying alcohols, it absorbs quickly and leaves skin feeling soft and comforted.

This daily moisturizer is gentle enough for your little one. Use it morning and night to keep your baby’s complexion happy and healthy.

As we wrap up, it’s clear that caring for your baby’s delicate skin ain’t tough. The abovementioned baby lotions we’ve explored in this post, all $14.40 and under, are proof of that. Each one offers a blend of gentle ingredients designed to protect your little one’s skin at an affordable price. So choose the lotion that resonates with you the most, confident in the knowledge that you’re making a wise choice no matter what you pick.

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Is Romance a Casualty of BTO-Driven Marriage Proposals?

In Singapore, the equivalent of “Will you marry me?” often translates to “Want to apply for BTO together?”

The surging demand for housing has led many Singaporeans to embrace this approach. Additionally, with the average waiting time for the completion of a Build-To-Order (BTO) flat being three to five years, it has become customary for couples to ballot for one before formally proposing.

However, recent initiatives such as shorter waiting times for certain BTO flats and more booking options for Sale of Balance Flats (SBF) may have influenced how some Singaporeans perceive marriage proposals. Interestingly, a 2021 Valentine’s Day survey by Property Guru on Instagram Stories revealed that 55% of respondents considered a BTO proposal unromantic, while 45% disagreed.

ADVANTAGES

#1: BTO or Resale Flats

HDB BTO flats offer an affordable option for property ownership in Singapore, as they are subsidized by the government with CPF housing grants available. After fulfilling the five-year Minimum Occupation Period (MOP), owners can sell the flat on the open resale market, often at a higher price.

Purchasing a resale home appeals to many as they have the freedom to choose a preferred location and are not bound by waiting times. Resale flats near MRT stations are particularly sought after, given that many Singaporeans rely on public transportation.

One of the significant advantages of buying a BTO is the potential to receive HDB grants, which can result in substantial savings. Grant eligibility varies, so it’s essential to carefully review the available grants to maximize benefits.

#2: Upgrade to Private Property

Profits from selling a property can be reinvested in another property, potentially allowing for renovation and investment. Some couples view their BTO as a stepping stone to upgrading to a private property.

#3: Discussion of Property Prices

Pricing plays a crucial role in the decision-making process of buying a home. Discussion of pricing elements is made easier with a partner. Properties in mature estates tend to be more expensive than those in non-mature areas. For instance, a 3-room flat in Kallang/Whampoa can cost more than double the price of a similar-sized flat in Jurong West.

DISADVANTAGES

#1: Lengthy Completion Time

One drawback is the lengthy process involved in BTO flats, with an average completion time of three to five years. This duration, coupled with the need to fulfill the MOP, means it could take up to a decade before profiting from the property.

#2: Ballot Basis of Flats

Allocation of BTO flats is determined by ballot, leaving success to chance. Applying for less popular projects may increase the chances of securing a unit. As popular launches often see high demand, it results in fierce competition.

#3: Potential Breakup

There’s the possibility of a couple breaking up and needing to cancel their BTO flat application. While forfeiting the application fee and deposit is a minor concern, it’s crucial to prioritize ending an unsuitable relationship over forcing a union.

Should You Apply for an HDB BTO Flat After Proposing?

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It’s essential not to rush into committing to a partner solely for property purchase reasons. BTO isn’t the only option as alternatives like renting or living with family can be considered.

Whatever decision is made, it should be mutually beneficial. Marriage is a long-term partnership, and buying a home is a significant step, so careful consideration of wants and needs is paramount.

Sources: 1 & 2

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