Repair Damaged Hair with Beijing 101 to Get $10 Shopping Credit & a Chance to Win a 5-Star Staycation

In our quest for youthful looking hair, we often do things that damage our hair and scalp conditions. For instance, your straightening habits, frequent hot showers, blow-dry addiction, and regular hair dyes can bring more damage.

Damaged hair is fragile, and it tends to break. Hair breakage can leave us with unhealthy, frizzy hair. Fortunately for you, simple changes can prevent further hair damage.

DANDRUFF

Dandruff is a common scalp condition in which small pieces of dry skin flake off the scalp. The best way to treat your dandruff is to use the herbal mixture with anti-inflammatory properties.

HAIR DAMAGE

Hair damage can manifest itself as having dry hair or split ends. If your hair feels coarse and rough, it might be begging you for protein. Fatty acids such as vitamin B5, Omega 3 and 6 can help replenish dry hair.

Having split ends serves as a cue for a haircut. For split ends, rubbing a dash of oil onto your ends can help minimize the split ends’ appearance and provide nourishment.

CHEMICAL EFFECTS

It is tempting to head over to the nearest hair salon after scrolling through endless hair inspo on your Instagram feed. Whether you opt for root touch ups, bleaching, or highlights, dyeing your hair can make it brittle and dry due to the chemicals that come along with it. If you have dyed your hair, you need to give it extra attention and care. Pamper your hair and scalp with expert hair treatments!

HAIR LOSS

It is normal to lose 50 to 100 strands of hair in a day. However, you will need to act if you experience a sudden increase in your daily hair loss. Hair loss occurs due to several factors including stress, hormonal imbalance, and using harmful hair products.

Some ways to prevent hair loss include eating protein-rich food, staying hydrated, and seeking expert help. Beijing 101 can rescue you from further hair loss and damage!

With over 4 decades of experience, Beijing 101 has been dedicated to helping customers combat their hair issues such as hair loss, hair dye damage, split ends, dry hair, dandruff, oily scalp, and more.

When it comes to reducing hair damage, keeping your scalp healthy, and promoting hair growth, Beijing 101’s Meridian Hair & Scalp Purity Treatment can help!

Designed to deep clean your scalp, unclog hair follicles and promote hair growth to keep hair loss at bay, this effective hair treatment is highly recommended by Beijing 101’s customers.

Best of all? You can get the Meridian Hair & Scalp Purity Treatment at a trial price of $40 (U.P. $532), for a limited time only. Sign up here and receive $10 shopping credit after the treatment! Plus, stand a chance to win a 5-Star Shangri-la Rasa Sentosa Staycation!

Deeply cleanse your scalp and walk out with healthy, youthful looking hair with this treatment that includes the following steps:

1. 1 on 1 Consultation + Detailed Hair & Scalp Analysis

Your hair therapist will start off with a consultation to understand your lifestyle that may affect your hair health. Then followed by a scalp scan to assess your scalp’s health and find out the roots of the hair problems.

2. Customized Scalp Mask

Based on the results of the scan, your hair therapist will customize the herbal scalp mask using premium-grade Chinese herbs to give your hair the best care. The main herbal ingredients used for the Meridian Hair & Scalp Purity Treatment are Ling Zhi, Ginseng, and He Shou Wu. These ingredients are known for their rejuvenating, and anti-hair loss properties.

3. Herbal Tonic with Signature Meridian Massage

After washing off the herbal scalp mask, it is time for you to enjoy the signature Meridian scalp massage. First, a special tonic will be applied to provide more nutrients to the hair and scalp. Then, the meridian massage will begin which helps to stimulate hair growth.

4. Alpha LED Light

Your purifying treatment will cap off with the Alpha LED Light, which is a helmet-like device to place on your head. This improves blood circulation and promotes better hair growth. See improvements in just one session!

What are you waiting for? Repair your hair with the Meridian Hair & Scalp Purity Treatment at $40 (U.P. $532) and be rewarded with $10 Shopping Credit after the treatment. Sign up here!

This limited offer also comes with a chance to win a 5-Star Staycation at Shangri-la Rasa Sentosa. Visit the nearest Beijing 101 outlet now!

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7 Ways To Become A Smart Grocery Shopper

These days, rising inflation which causes a higher cost of living means more households are looking for cheaper grocery prices to ensure that they can still buy the same quantity of goods with a similar-sized budget. Therefore, it has become even more important to learn how to shop smart when we are on our grocery runs. Let me share with you 7 ways to become a smart grocery shopper.

1. Fill your grocery basket with discounted items displayed at the front

To ensure shoppers never miss out on more savings, do you know that items on promotion are almost always displayed prominently at the store entrance instead of being tucked away at the back? Alternatively, head straight for items marked with the Price Drop Buy Now icon where great bargains are released on a weekly basis every Thursday. Grocery shoppers are thus able to commence their shopping journeys by filling out their grocery baskets with heavily discounted items first.

I adhere to this rule strictly to ensure that I am off to a good start as I gradually navigate my way through the store while I keep an eagle eye on more hidden gems.

2. Buy only essentials that are competitively priced

Here is a quick and easy way to ensure that we are buying essentials that are the lowest priced in the market without having to do the comparison ourselves. At FairPrice, simply look out for the Everyday Low Price icon where 500 daily essential items are competitively priced in the market at any time.

To provide greater savings, FairPrice will freeze the prices of 50 items, out of a pool of over 500 popular daily essential items, every month. The list of 50 items will be announced every last Thursday of the month through its print, online and social media advertisements so remember to keep a lookout!

3. Take advantage of limited-time promotions

Supermarkets tend to run limited-time promotions, especially if the fresh produce are in season during that period. At FairPrice, simply look out for the Price Drop Buy Now icon to snag weekly specials or items that are on limited-time offers.

For myself, I take advantage of these periodic discounts to buy in bulk and stock up on items such as non-perishables which have longer shelf life. Such opportunistic purchases are a smart way to save massively on my grocery bill!

4. Shop strategically on the “right” weekday

When visiting the supermarket, who you shop with may make a difference to your grocery bill! Let me explain how FairPrice provides discounts to various shoppers on all weekdays with Save Even More.

On Mondays, Pioneer Generation cardholders enjoy a further 3% discount on their groceries in recognition of their contribution to nation-building. On Tuesdays, Senior Citizen (≥ 60 years old) enjoys 2% discount. If members of the Pioneer Generation are not free on Mondays, they get a second chance in the week to enjoy 3% discount on Wednesdays at FairPrice, which is also extended to Merdeka Generation cardholders. On Thursdays, it will be CHAS Blue cardholders who get to knock 3% off their grocery bills.

Therefore, I sometimes get my parents to come along during my weekly shopping trips to FairPrice! Not only do I get to enjoy additional discount, I also get to bond with them and learn nifty tips on how to pick the best quality produce! Perfect for killing 2 birds with 1 stone.

5. Join the supermarket’s loyalty programme

It pays to be loyal to a supermarket chain. Simply find one supermarket near your neighbourhood and stick religiously to it to accumulate loyalty points. For example, at FairPrice, NTUC Union and Link members earn Linkpoints and enjoy 50% deals daily! After amassing a substantial amount of Linkpoints, shoppers can use it to offset the bill of their next grocery bill.

Wine lovers should not miss out on substantial savings as a Just Wine Club member. Simply pay a membership fee of $20 for 1 year or $35 for 2 years to enjoy an additional 8% off on regular and promotional wines!

6. Pay with Mobile app to get free discount voucher

Do you know that first-time users of the FairPrice App get up to $5 off when they pay with the app in-stores? Don’t sniff at this little incentive to get you started on this payment mode! Eventually, you will come to appreciate the convenience of skipping long queues and having all your Linkpoints tracked seamlessly on the FairPrice mobile app. If you are still not a Link member, simply download the FairPrice app to be one. Be notified of promotions instantly pushed to your mobile phone so you don’t miss out on great deals.

7. Pay with a cashback credit card

Finally, always pay with a cashback credit card if you have one! That is an additional saving that you might not benefit from if you are paying with cash instead. For myself, I pay with the NTUC Link Credit Card by Trust when shopping at FairPrice that allows NTUC Union members to save up to 21% savings. For non-NTUC union members, you can get up to 15% savings if you sign up for the Trust Link Credit Card.

Here are my 7 tips on how to become a smart grocery shopper! At times like this, every cent saved is indeed every cent earned. Do share this article along so that more households can benefit from shopping smarter and their wallets will definitely be thankful for it.

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Who Says You Need To Compromise On Your Grocery Shopping Experience To Get Cheaper Prices?

Majority of grocery shoppers want cheap grocery prices, quality produce and a pleasant shopping experience. Is this an impossible trinity that cannot be achieved during a grocery trip? I attempt to solve this mystery by making a visit to the supermarket at my neighbourhood.

Moreover, it is hard not to notice that amongst daily essentials, prices of eggs have already gone up from $5 to $6.50 for a tray of 30 eggs. Given the backdrop of rising costs of living, would prices of daily essentials also spiral out of reach? It turns out that it is actually possible to score cheap grocery prices with absolutely no compromise on the product quality and shopping experience!

I made my way to FairPrice supermarket located in my hood. For a start, I realise that it always pays to be observant by looking out for these icons in-store. Here are some examples on how I stack up for more savings and rewards while shopping at FairPrice.

Most households would have a list of essential items that go into their grocery baskets during every trip. Likewise, I am no different. I make sure to only grab essentials that come with the Everyday Low Price icon since these are competitively priced to be amongst the lowest in the market. Since there are more than 500 most popular essential items, I am not short of varieties to keep my grocery bill affordable. These items comprise popular grocery items such as fresh fruits, vegetables and meat, staples, dairy, household cleaners etc. For example, I purchased FairPrice Thai Fragrant White Rice (5KG) at only $6.50. A similar branded product would have cost upwards of $10 at other places!

If you are FOMO-ing now, don’t worry as you can also score this bargain since this is one of the 50 items on the Everyday Low Price list that would have its price frozen for the month!

For shoppers who can’t decide on what to cook tonight, I recommend that they check out items under the Price Drop Buy Now icon for some inspiration. These are weekly specials or items on limited-time promotions guaranteed to ensure shoppers go home bagging a bargain of up to 50%. Even a meticulous homemaker who plans the dinner menu in advance can look forward to nutritious meals and incredible savings at the same time.

While I am out and about fishing for the best deals in FairPrice, I get to shop in comfort all the time. I appreciate the wide entrances, improved interiors and comfortable aisles that can accommodate multiple shopping trolleys. No more banging into each other’s elbows! After ticking off everything on my shopping list, I flash out my mobile phone and pay via the FairPrice App at the checkout counter. If you are a new user just as I was not too long ago, you get to enjoy up to $5 ($3 FairPrice e-voucher, and NTUC Union members, can earn additional 200 Linkpoints ($2 worth) off your first in-store transaction.

Important information such as Link membership and credit card details can be securely stored on the FairPrice app with my authorisation. This is an amazing digital improvement as I no longer need to carry multiple cards which bulk up my wallet unnecessarily!

Moreover, this makes it extremely convenient to stack my savings since Linkpoints are now earned through the FairPrice app. Coupled with daily discount schemes under store promotions as well as Save Even More and exclusive deals where NTUC Union/Link Members enjoy 50% off, these savings can add up to a substantial amount. For instance, under Save Even More, Pioneer Generation enjoy a further 3% discount on their groceries on Mondays and Wednesdays while Senior Citizen aged 60 and above enjoy 2% discount on Tuesdays. These all savings that can be stacked on top of all the aforementioned promotions. Therefore, if you are still not a FairPrice member, do sign up online simply by downloading the FairPrice app.

Alternatively, shoppers can breeze through the queues by paying conveniently via Scan & Go on the FairPrice App. All in all, it is a seamless shopping experience from entry to checkout for myself and FairPrice customers alike.

With quality products, affordable prices and a pleasant shopping experience, every trip to FairPrice results in all-round better value for my household. As FairPrice has shown, it is a myth that one has to trade down on the shopping experience or product quality to score better grocery prices. Therefore, next time someone tells you that you need to compromise on the quality of your groceries due to inflation, you know that it need not be true!

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Five Things You Need Before Applying for Mortgages in Canada

Getting ready to buy your own home is a rewarding process. Soon, you will have the comfort that investment in your own piece of real estate will provide.

However, a less comforting part of the process is applying for mortgage loans. The application process is full of stress about how you will afford your mortgage, if you will get approved, and if you are going with the right lender. You can get preapproved, so you know up-front what you are eligible for, but preapproval requires a lot of paperwork.

Putting your paperwork together requires some time, but it will make the rest of the process much easier. Here are the documents you will need.

1. Proof of Identification

The first step is providing proof of identification to your mortgage broker or lender. The entity lending you money wants to know that you are exactly who you say you are and not someone attempting to commit fraud.

Any government-issued ID will help with proof of identification. However, it needs to have your current address on it, so make sure all of your address information is up to date. You will also need to provide your SIN number.

2. Proof of Employment and Income

The next important step in the mortgage process is proving to the lender that you are employed. Mortgage loans are investments by lenders in you, so they want reassurance that you will be able to pay that money back. The most reliable proof is proof of employment.

You have to prove that you are employed at a reliably paying job, preferably one where you have been for a year or two and that your income is enough to afford the mortgage. Documents that fit in this category are pay stubs, tax forms such as a T1 or T4, or even a letter of employment. If you have none of these documents because you are self-employed, you will need to submit detailed proof of income going back several years.

3. Information About Other Debts

When mortgage lenders agree to give you a loan, they want to know that you don’t have too many other debts that will get in the way of your ability to pay your mortgage. If you have regular car loans or student loan payments but can still afford a mortgage, that won’t affect your chances, but you will need to share information about them.

Mortgage lenders will also look at your credit score.

4. Proof That You Can Afford the Down Payment

Besides paying your mortgage, there are other expenses involved in buying a house, such as the down payment and closing costs. You may be able to afford a monthly mortgage payment, but banks want to know if you have the savings to afford a down payment as well.

You can prove that you have the money for a down payment by showing statements from savings accounts or investment accounts or proof that you have sold your existing house and will use that money for a down payment. If this is your first time buying a house in Canada, you can apply for the RRSP Home Buyer’s Plan and use that as proof of down payment.

5. Information About the Property

Finally, your mortgage lender wants to know the details of the property you will be buying to know the value. Documents include the real estate listing and accepted purchase and sale agreement.

Putting together the relevant documents for applying for a mortgage in Canada is difficult, but keep these categories in mind and start gathering paperwork today.

 

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8 Money-Saving Hacks for Young (& Broke) Adults

Saving money when you are young and broke can seem like an impossible task. With the right mindset and strategy, you can save money despite the hurdles ahead. Putting your spare cash each month can make a world of difference. All you need to do is be willing to commit to your financial goals! The following hacks can help.

#1: DRINK MORE WATER

You will save more money if you stop buying bottles of soda and cups of take-away coffee. Bottled water is cheap and tap water is cheaper. There are many great options for filtering your water if you are not a fan of water from the tap. Nonetheless, eating out with a family of 3 can easily save you money just by drinking water alone.

#2: GET A PART-TIME JOB

If you just graduated and you are trying to reach a goal that seems to be taking longer than expected, you can get a part-time job. This job can be a temporary solution to get past whatever situation you are in. Moreover, it is a wonderful way to pay off your dues and debt. If you are building an emergency fund, having another source of income can aid your quest. Market your skills online to boost your job search.

#3: CREATE A MEAL PLAN

Whether you are living alone or living with your roommate, you can save more money by planning your meals. It eliminates food wastage and helps you create more affordable meals. Rather than buying what looks good at the grocery store, you can opt for budget-friendly alternatives to complete your dishes.

#4: CANCEL YOUR UNNECESSARY MEMBERSHIPS AND SUBSCRIPTIONS

You are cash-strapped! You do not need your hefty gym membership or subscriptions to different music and entertainment apps. Think about all the wasted money because of not taking the time to cancel the things that you no longer use.

Image Credits: unsplash.com

#5: ALWAYS BRING A SHOPPING LIST

One of the easiest ways to go over budget is going inside the grocery store without a plan! If you do not want to spend too much money in one place, always bring a shopping list with you. Only go down the aisles that you truly need to grab what you need. Skip the rest!

#6: KEEP YOUR SAVINGS ACCOUNT SEPARATE

Are you breaking because of your shopping habits? Keeping this from happening again by having your savings completely separated. Find an online savings account or open a separate checking account. Make it a little more challenging to take money out of your savings. Your future self will thank you.

#7: EMPLOY THE 30-DAY RULE

When you are considering making large purchases, use the 30-day rule. If you still want it just as much after 30 days, consider saving money for it. Having a waiting period eliminates impulsive purchases made out of excitement or other overwhelming emotions.

#8: DO REGULAR CHECK-INS

Before spending a large amount of money on a significant purchase, have your trusted partner or friend assess the situation with you. Have regular check-ins to look into your current financial situation. This might sound silly at first, but it can keep you from spending money impulsively on things that are not in your budget. Find someone that can help make you accountable for your spending.

Sources: 1 & 2

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