Siloso Beach transforms into a magical shore with stunning light and sound display at Sentosa

Immerse yourself in a multi-sensory experience at Siloso Beach in Sentosa

Witness a magical shore like never before, Siloso Beach has come alive with magnificent sight of light and sound displays. Starting 23 January 2020, guests can be dazzled by the interactive beach light art that spans across the 400-metre stretch of Siloso Beach.

It will commence from 7.30pm to 10.30pm daily all year round.

There will be four key acts to look out for:

1. Nocturnal Awakening:

  • Experience the “awakening” of Siloso Beach with magical movements on sand.
  • Interactive art, inspired by diverse elements ranging from water flow tomarine creatures, are projected onto the beach at two areas where they will interact with guests.

2. Islet Whispers

  • Marvel as a mysterious cloud of fog and lights emerge from over the islets, flowing over the waters and merging with the projections on the beach, amid the soothing sounds of Sentosa.

3. Force of Nature

  • Watch the trees come alive as a relaxing light and sound symphony accentuate the raw beauty of the natural landscape.
  • Lights from the islets will change colours and intensity, as they track movements on the beach and reflect off the waters

4. New Peaks

  • In a spellbinding flourish of colour, multi-coloured projections will light up the night sky.
  • New Peaks lasts three minutes, and takes place every 15 minutes.

Here’s what you can expect:

How to get there:

  1. From Sentosa Boardwalk: You can stroll in for free and enjoy free shuttles via Sentosa Express and Sentosa’s Beach Shuttles
  2. From VivoCity Level 3: Take Sentosa Express that takes you directly into Sentosa Beach Station. Selected TransitLink concession card
    holders enjoy 50% off the transport fare.
  3. SBS Transit Service 123: Take the bus and alight at Beach Station.
  4. Drive in via Sentosa Gateway for $2 after 5pm and park at Beach Station
  5. Grab ride: Visitors can use the promo code “SentosaSpring” to enjoy $5 off Grab rides. Valid until 8pm daily and limited redemptions available. Pick-up and Drop-off point must be “Beach Station”

All images and videos from Sentosa Development Corporation.

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CNY SURVIVAL KIT: $8,888 Prize Pot, $8 Collectible Hongbaos and $5 Grab Vouchers

Happy Chinese New Year! Enjoy this holiday even more with these 3 hacks that will maximise the HUAT as you welcome the Lunar New Year with your family and friends! Time to roll in prosperity and abundance, are you ready?  

Grab $5 Voucher Codes

Arrive comfortably in style to all your steamboats and reunion gatherings this Chinese New Year. If you are new to ShopBack, there are $5 Grab Voucher on top of Cashback on any spend

How this works:

  1. Go to ShopBack App and tap on any store
  2. Purchase as usual
  3. Get CashBack + $5 Grab Voucher Code

SHARE THE HUAT – Prize Pot of $8,888

Winning the TOTO is every Singaporean’s dream. But we all know how likely that will happen. ShopBack has a MUCH easier plan for you to win some extra angbao money. 

Make a lucky guess of 6 numbers (in any order) and you might just win up to $8,888. Those with 3 correct numbers will share the $2,020 prize pot. 

Increase your chance of winning by making an order from 20th – 25th January 2020 and get a guaranteed number. 

Need some ideas on what to shop for? Check out these amazing upsizes: 

  • Nike 15% Upsized Cashback (was 2%) from 21 – 24 Jan
  • Agoda 12% Upsized Cashback (was 6%) from 21 – 22 Jan 
  • Amazon Up to 20% Upsized Cashback (was <6%) from 9 Jan – 1 Feb
  • Irvins 8% Upsized Cashback (was 4.5%) on 21 Jan
  • iHerb 14% Upsized Cashback (was 3%) from 21 – 22 Jan

Click here for more CNY deals.

FIND THE HUAT

Surviving Chinese New Year would be a lot easier if you actually enjoy it. Go on a virtual scavenger hunt and win $8 collectible hongbaos if you’re the first lucky 88 to find the “Huat” on the ShopBack App! 

How It Works

  1. Download the ShopBack App
  2. Follow the ShopBack IG Story 
  3. Individual clues will be released on our IG Story at these 8 auspicious hours to hint where the voucher is hidden.
  4. Go to the ShopBack App and find the “Huat” icon below to retrieve code
  5. Go to the rewards page on the App and enter the code to redeem your prize!

Find The Huat is on ShopBack app only*

DBS EXCLUSIVE

Own a DBS/POSB card? Enjoy up to an additional 20% Cashback* for your Travel, Fashion and Grocery spend from now till 31st Jan. Participating brands include ASOS, Nike, Guardian, Cold Storage & more! *T&Cs apply.

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, Qoo10, Shopee, Foodpanda, Agoda & more. ShopBack is free to join and is available on desktop, app store, play store and on browser extension. Learn more here.

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Stocks 101: A Guide For Newbies

Original investments for the next 10 years

Tackle your busy life while earning money on the side by investing your money. Let your money work for you to achieve the future you have always dreamed of. Renowned investor Warren Buffett defines investing as the “the process of laying out money now to receive more money in the future.”

Investing Like Warren Buffett

(Image credit: Fortune Live Media, via Flickr)

To start investing, you must know what is a stock is first.

WHAT IS A STOCK?

Whether you call it security or equity, a share of stock is a legal ownership in a business. Businesses or corporations issue stocks to gain money. It comes in two varieties – preferred and common. Preferred stock comes with a predetermined dividend payment. While, the common stock allows the stockholder an access to a proportionate share of a company’a profits or losses. It is to you to choose whichever suits you best.

HOW DO YOU MAKE MONEY WITH STOCKS?

There are two ways to make money from owning and investing in stocks. You can make money by reaping the increase in stock price or dividends. Because these two accumulate over time, just one year’s investment in a premium can yield a solid return in the next couple of decades. You can look up blue chip companies such as Coca-Cola and Disney.

The Father of Value Investing, Benjamin Graham, once said:

“The real money in investing will have to be made—as most of it has been in the past—not out of buying and selling, but out of owning and holding securities, receiving interest and dividends, and benefiting from their long-term increase in value.”

WHY SHOULD YOU INVEST?

The stock market provides high returns. You should invest to grow your wealth. However, I cannot guarantee how your stocks will perform. You need to understand that strategy application and diversification aids in growing your wealth. Diversifying your investments by including stocks along with your bonds and assets can help protect you from the inherent volatility of the financial markets.

WHAT IS DIVERSIFICATION?

To provide cushion from the risks that come with the stock market, one can apply diversification. Think of it as not putting all your eggs in one basket. In order to diversify your stocks portfolio, you may need a significant amount of money to invest. It is nearly impossible to create a well-diversified portfolio with S$1,000 alone.

This is where mutual funds come into play. Mutual funds tend to have a large number of stocks and other investments whereby it is controlled by a portfolio manager. It is more diversified than a single stock in one company. This is something that you must think about.

Sources: 1 & 2

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4 Money Moves To Take On Your 20s

On your 20s, you will encounter a myriad of firsts. From earning your first full-time job to surviving your first failure, your early experiences shape who you become in the future. Your major accomplishments and significant failures are your best teachers.

You will become more independent and responsible as time passed. You will begin to live on your own, to solve your own problems, and to budget your own finances. Hence, it is important to take the following money moves as early as now.

MONEY MOVES #1: MAKING QUALITY PURCHASES

Living in the modern generation where everything is handed with significant convenience, you can buy anything you want with a few taps or clicks. It is tempting to bite into every online promotions or group deals available. However, you need to survive these temptations to make good decisions.

Identify your financial goals and work towards it. You may succumb to your wants from time to time, but you are the only one who can recognize what is important. Invest on things that have a greater value in the future.

MONEY MOVES #2: CREATING A BUDGET

As a young adult, it may be your first time to dissociate yourself financially from your parents. Your independence comes with the responsibility to understand what comes in and what comes out from your pockets. You can either go the old-school route through journalling or the digital route through Excel or budgeting tools. Do whichever feels more comfortable to you. Leave some money for your unexpected and recreational expenses.

What if you are romantically involved with someone? With love and care comes the acts of service. You may choose to spend money for your beloved and that will open another expense category. It is up to you to allocate how much you want for your dating budget.

MONEY MOVES #3: SAVING AND INVESTING

Time is of the essence. There is no perfect time to save and invest than right now. Let your budget direct you to how much you can save each month. It is recommended to save at least one-third of your income. This way, you can cushion unexpected expenses brought by sudden life changes. Do not get me started about layoffs and home repairs!

As for investing, you may consider maximizing your contributions to your CPF account. You will reap what you sow.

MONEY MOVES #4: OPEN TWO BANK ACCOUNTS

As a responsible young adult, you may open two bank accounts. One account can handle your operations and the other can handle your reserves. By operations, I am referring to the money you will spend for your everyday needs. Money from your operational account can be used to pay for your bills and daily purchases.

While, the reserve account can be used to secure your savings. It is the account that can help you reach your financial goals.

Image Credits: pixabay.com

BOTTOMLINE

When everything is said and done, you want to take advantage of the time you have now. Make smart choices as you will reap its benefits later in life. However, do not forget to live a little. You work for a reason – to a live a pleasant life. Do not forget to reward yourself for all the hard-work you have been

Sources: 1 & 2

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5 Things To Consider When Switching Banks

Before you finalize your switch from one bank to another, ensure that you understand what you are signing up for. Here are five questions you need to answer before you decide.

DO YOU WANT A HIGHER SAVINGS ACCOUNT INTEREST RATE?

You get what you think you deserve. If you are earning nearly nothing in your savings account then, it is worth evaluating the alternatives. Moving your funds elsewhere makes sense only when you can earn significantly more in another account.

Image Credits: pixabay.com

For instance, switching might not be worth the trouble in this scenario. Say you only have around S$1,000 in your savings account and the extra 0.5% interest gets you about S$5 additional on your monthly total. If you are generally satisfied with your current bank, why bother?

DO YOU WANT TO SIMPLIFY YOUR FINANCES?

Some Singaporeans have accumulated multiple accounts over the years. So? Switching banks can be an opportunity to organize your finances. Organizing your finances allows you to minimize your online bank account and to move your money as quickly as possible. Have everything in one place by choosing a premium bank.

This bank must cater to all your deposit needs, offer low fees, and provide competitive interest-bearing accounts.

DO YOU PREFER TO HAVE AN UPGRADE IN ONLINE AND MOBILE BANKING?

Whether you want to acquire DBS Paylah! or UOB Mighty, most banks offer online and mobile banking tools to smoothen your transactions. You may consider all these tools as a means to weigh whether you watch to switch banks or not. Contemplate on the features you need and the ones that are available thru your chosen banks.

If you often transfer funds between a local and an overseas account. Then? You have to find an online banking app that enables you to do this. Take note of the charges that come with every deposit.

DO YOU WANT A BETTER CUSTOMER SERVICE?

How is the bank personnel treating you after you sign-up? Dissatisfied customers may receive better service in another bank. Look for online reviews and friend recommendations when reviewing a bank’s customer service prowess.

It is best to talk to someone credible to assess their issues in the bank staff and service.

DO YOU PREFER A BANK WITH BRANCHES NEARBY?

Accessibility is important when considering which bank to choose. You must survey the nearby banks and notice which ones are more accessible. You may also walk up to the teller to ask about their safe deposit box or their online banking tools.

Image Credits:pixabay.com

Who knows? Your chosen bank may allow you to transfer or deposit funds with a few swipes of the finger!

Sources: 1 & 2

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