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8 Ox-picious Items To Purchase This 2021

#1: SINGPOST’S OX-THEMED STAMPS

Last month, SingPost released a set of stamps that marked the arrival of the Year of the Ox. This year’s stamps featured two graphical illustrations of the ox by artist Lim An-Ling. She previously designed the 2020 Year of the Rat and 2019 Singapore Bicentennial stamp sets. The set of mint stamps has two denominations namely, 1st Local (S$0.30) and S$1.40. These stamps are part of a new collection of SingPost Zodiac stamp series.

#2: LIFEBOUY’S DISNEY TSUM TSUM OX HAND SANITIZER

Lifebouy released an exclusive hand sanitizer featuring the ox, rooster, snake, and Fu. This collection also offers designs with other Zodiac animals. It is up to you to choose which is the most “incredi-bull”. You can get your own hand sanitizer in Lazada, FairPrice, FairPrice Online, Watsons and Watsons Online for as low as S$3.25.

#3: PANDORA OX CHARM

I, for one, am a collector of Pandora charms. I am amazed by the wide selection of classic charms, collaboration charms, and limited-edition charms that Pandora houses. This year is no different! Pandora’s Chinese New Year 2021 Collection features an ox charm, a Fortune Cat charm, a mahjong dangle charm and other huat symbols. It retails from S$89 at sg.pandora.net.

#4: TWG TEA GREEN OF FUJIAN TEA

If you have S$48 to spare, you can enjoy the TWG Tea Green of Fujian tea pack. It is a blend of green teas from a remote garden on the celebrated Tai Mu Mountain of Fu Ding in Fujian Province. Let abundance and prosperity enter into your Year of the Ox by checking the nearest TWG Tea Salons & boutiques or by visiting TWGTea.com.

#5: SEPHORA OX COLLECTION

Are you looking for a beautiful yet cow-venient palette that can take you from day to night? Look no further than the Sephora Ox Collection Eyeshadow Palette (S$45)! It features highly-pigmented matte and pearlescent eyeshadows. You can pair your shimmering eye look with the soft pink satin lipstick in their Ox Collection (S$26). The Petal Pink Satin Lipstick has a smooth and silky texture. Get yours at sephora.sg.

#6: BIODERMA SENSIBIO H20 MICELLAR WATER (CNY LIMITED-EDITION)

After applying your makeup, you may cleanse your face with the Bioderma Sensibio H2O Micellar Water. Its packaging showcases a grazeful ox. This CNY limited-edition product was designed for sensitive skin. You can buy this festive bottle at Watsons, Guardian, Lazada, and Shopee.

#7: STARBUCKS’ OX-THEMED COLLECTION

Starbucks welcomed the Lunar New Year with their ox-themed collection. It showcases a combination of mugs, tumblers, bearistas, and seasonal snow globes. All these products feature intricate ox prints and designs. The price of these products range from S$18.90 to S$62.90.

#8: CNY GIFT TINS BY YOKU MOKU

The 2021 Chinese New Year limited-edition tin box by renowned Japanese confectionery brand Yoku Moku costs about S$48. The box contains an assortment of cookies such as eight pieces of matcha butter cookies and eight pieces of Cigare. Cigare are delicate cookies rolled with a vanilla flavor and buttery crunch. These treats are packed in a beautiful red tin. Order yours at yokumoku.com.sg.

Image Credits: unsplash.com

Sources: 1, 2, & 3

NUS Business School has an online digital marketing course priced at S$1855

According to Research and Markets, Southeast Asia’s digital advertising market is expected to grow by 13.93% and reach over $15.3 billion.

This alone indicates the forecast and power of digital marketing that will evolve over the years alongside the modern consumer.

By harnessing the potential of using marketing tools and technologies to connect with customers, you’ll be able to create vital strategies that will grow your business.

Overview of the course

NUS Business School, together with online education provider Emeritus, has designed a “Digital Marketing: Strategies, Models, and Frameworks” course to give you in-depth knowledge of understanding how customers behave with digital technology.

With this information, you can use the right methods to craft the best digital strategies for the broadest customer reach.

“This programme will bring together the art and science perspectives of digital marketing. It introduces you to an understanding of how customers behave with the immense use of digital technology, so with the help of psychology, you will be able to use frameworks and tools available to craft digital strategies to better reach, engage and retain customers,” said Dr Doreen Kum, Associate Professor, Marketing, NUS Business School.

Program details

Start Date: 23 February 2021 (Tuesday)

Duration: 2 months (4 to 6 hours per week)

Fee: US$1400 (approx. S$1855) (GST payable for Singapore residents)

Certification

For a two-month online course, S$1855 is not a small sum. Averaging out, a month will cost you slightly less than S$950. For those who can’t pay in full at one go, you will be glad to know that there are flexible payment options with instalment plans.

Executives looking to seek promotion with reputable certifications should seriously give this a thought. That’s because you will be awarded a verified digital certificate by NUS Business School.

Here’s what you can put up on LinkedIn upon course completion:

Course trainers

You will be taught by professionals like Dr Doreen Kum and Ang Eu Gene from NUS Business School.

There will also be presentations and interviews from guest speakers of crucial industries. This includes:

Ryan Lim, Principal Consultant & Founder, QED Consulting
Althea Lim, Group Chief Executive Officer of Gushcloud International
Aaron Su Director, Global Product Marketing, Republic of Gamers, ASUS

This is a great platform to connect with trainers and experts through video lectures and impactful assignments. You will also gain the perfect opportunity to engage in real-world practices with fellow participants on discussion boards.

If you’re determined to build a brand for your company, make use of customer analytics, or want to create better solutions for your clients, this course is designed for you. It can also benefit you if you have a career in:

Sales and marketing
Business and marketing
Public relations, brand and communications
Consumer-driven industries like banking and finance, healthcare, retail, IT products and services, education, and automotive

What you will learn

Module 1: Transformation in Marketing

You’ll look at how digitisation is impacting the marketing world and observe digital consumer behaviours.

Module 2: Reaching Customers: Digital Marketing Channels

Learn about various consumers’ journeys and personalities and examine different strategies for engaging them through media and content.

Module 3: Engaging Customers: Social Media

Harness social media as a tool to engage your customers and find out how to build a brand, curate content, and create a personalised experience.

Module 4: Targeting Customers: Planning for Paid Advertising on Digital Platforms

Create highly optimised, goal-oriented paid campaigns that follow up with post-conversion strategies.

Module 5: Targeting Customers: Advertising on Digital Platforms

Craft paid advertising campaigns on some of the most popular social media platforms, like Google, Facebook, YouTube, and Instagram. You’ll also learn how to market via email.

Module 6: Measuring Success: Digital Marketing Metrics and ROI

Marketing is nothing without the numbers. Familiarise yourself with an excellent framework for metrics and measurements that will produce a superb ROI through experiments and multi-attribution tracking.

Module 7: Planning and Executing a Digital Marketing Strategy

Learn how to create a digital marketing strategy from start to end through an optimised and complete framework.

Module 8: Technology and the Future of Digital Marketing

Everything comes in full circle when you look at marketing’s fundamental role in generating business growth and examining its future position regarding GenZ and technology.

“In addition to the up-to-date theoretical framework and foundation of digital marketing, you will learn and experience cutting-edge digital advertising and marketing methods that are highly practical. We are excited to bring you a unique combination of academic theories and practical tactics for your success in digital marketing,” commented Ang Eu Gene, Consultant/Trainer, NUS Business School Executive Education.

Case studies

Apart from the well-planned modules mentioned above, all course participants will also be exposed to real case studies. This includes famous brands like:

Dove
Porsche
L’Oréal Paris
Giant Supermarket
The Edison Hotel (a boutique hotel in Penang, Malaysia)

Upskill and upgrade

The “Digital Marketing: Strategies, Models, and Frameworks” course will equip you with some of the most powerful skills to leverage consumer behaviour and grow your business in today’s increasingly digitalised world. Through qualitative and quantitative work taught by industry experts, you’ll be ready to take your business endeavours to the next level.

Before we sign off, here’s a gentle reminder that the course commences on 23 February 2021 (Tuesday). Apply now before it’s too late!

How to manage money problems in a marriage?

Realistically speaking, financial issues are going to present itself at some point and time in a marriage. This is probably true even for the filthy rich. Dealing with them as a couple can either help you grow closer together or further apart.

But think of it as an opportunity to practice money management techniques to build a more robust and financially secure future.

With that said, do you find yourself yelling at each other when financial issues pop up? Are you looking for help?

Here are some ways to truly deal with money problems in a marriage.

#1: Know your partner’s credit score

Image Credits: NFCC.org

We have to put this upfront because a couple should lay this foundation ideally before marriage. But even for those who’ve recently tied the knot, it’s not too late. Let Steven Yoda, a partner with a divorce firm, tell you why.

Yoda mentioned that identifying your partner’s credit score can give you insight into their past financial decisions. Money is often a common source of stress in a marriage, so knowing your partner’s money-handling habits can go a long way.

But at this point, do you know what a credit score is?

According to the Credit Bureau Singapore, a credit score is “a number used by lenders as an indicator of how likely an individual is to repay his debts and the probability of going into default. It is an independent assessment of the individual’s risk as a credit applicant.”

Now that you’re aware of the definition, be mindful that your partner’s credit score will not affect your personal credit score. However, it can influence your credit access after marriage because the lender will consider both parties’ credit scores.

In short, a low credit score will lead to higher interest rates and fees on your credit card or loan. But if things happen to go astray…

#2: Don’t play the blame game

Image Credits: The Telegraph

Even if you feel as though your partner is spending way too much on Starbucks, don’t play the blame game. That’s because there’s no end to it. Both should acknowledge the lack of finances to cover individual or family expenses as the root of the problem.

Just like any other bumps in your marriage, you should approach it as a team. Face the jarring issues together as a unit rather than dissolving into a blame game on who’s spending too much.

#3: Take the lead to communicate

Image Credits: unsplash.com

When you or your partner spots a potentially money-focused storm on the horizon, schedule a time to sit down and talk. This could range from anything from reduced work hours to the desire of changing jobs.

“To minimise and prevent those issues from becoming bigger problems in your relationship it is important to start with the simple act of having conversations about money,” highlighted Maggie Reyes, a marriage mentor and life coach.

The sooner you prepare yourself for financial issues, the more well-rounded your solution is likely to be too. Panic and stress are never good companions for handling money issues, and to counter it; you want to have a plan in place before it starts spiralling downwards.

#4: Get on the same page

Image Credits: unsplash.com

“Most financial issues in marriage come down to one main factor: both partners have different core values about money,” a certified counsellor explained.

First thing’s first, you need to make sure that you and your partner are on the same page about money and its value. Most of us have different understandings of the importance of money, and it takes some effort to understand where the other party is coming from as two halves of a whole.

For instance, you might be okay dealing with a little debt, but your partner may not be comfortable at the idea of it. So, if they start to see the build-up, it can be their source of severe distress.

When both partners aren’t careful in dealing with the disparity in money perspectives, this issue may burst into other areas of the relationship. Whatever those differences in values may be, it’s essential to put one into another’s shoes and find a compromise.

#5: Stop the problem from travelling

Image Credits: unsplash.com

With consistent money problems, it’s easy to resent the other person and their spending habits. Perhaps you fear that they are hiding money from you and siphoning it into a secret account. Or, maybe they’ve got a personal credit card and are overspending without keeping you in the loop.

You know what? Stop your paranoia in its tracks! The moment financial problems turn into trust issues; it will impact your marriage. Have faith in your partner if you want them to return the favour.

Final thoughts

Money, and lack of it, can make even the strongest couples weaken and crack from stress. If you approach finances with a level head and as a strong, loving duo, you can overcome those issues in time to come.

Nothing is too difficult to solve. Take heart!

There’s a new insurance savings plan called “Dash PET” that is not for your pet

Are you looking for a new insurance savings plan that allows you to Protect, Earn, and Transact (PET)? Then you might be interested in a project called Dash PET. If you’ve read the title and clicked in, you would have known that this policy is not for your pet.

The insurance savings plan is part of a product offered by Etiqa Insurance in collaboration with Singtel Dash. Etiqa Insurance is a licensed life and general insurance company registered in Singapore. They want you to think of Dash PET as the PET that takes care of you.

“We saw a gap we could fill amid the uncertain climate to help our customers grow their money smarter and faster. Using insights gleaned from the success of Dash EasyEarn, our first insurance savings plan, Dash PET is a new product with greater flexibility and a lower entry point,” Singtel’s International Group CEO Arthur Lang said.

To that, Etiqa Insurance Singapore’s CEO Raymond Ong added that they had designed Dash PET to be an innovative all-in-one insurance plan with a savings component and on-demand protection for the end consumer.

Peeps searching for an insurance savings plan where they can take full control of their finances, look no further! We will guide you through what Dash PET can offer you.

What Is Dash PET?

Dash PET is as cute and as useful as it sounds. It helps you maximise your money with savings at high returns, gives you guaranteed capital, and full flexibility of funds. As you invest more money into your savings account, your Dash PET will grow and provide a desirable incentive in the long run.

A comprehensive insurance plan focused on achieving simplicity for you; there are no unnoticed loopholes that could cause you problems later. Keep reading to find out the gains of Dash PET.

How can I benefit from it?

Dash PET has an eclectic range of benefits that are solely focused on bettering your financial health. It also provides you with the support you may need through the pandemic. Worry not about a thing if you face challenging times.

Here’s a breakdown of the main benefits:

High returns: It allows you to earn up to 1.7% interest every year* on your savings. As such, Dash PET makes a great plan to have as you continue to accrue your savings.
Easy starting requirements: Whether you start with S$50 or S$10,000, Dash PET allows you to begin small and build your savings up to S$30,000.
Flexibility: The fear of a lock-in period should not stop you. With Dash PET, there is no lock-in period. This means you can withdraw and top up funds anytime you like without the threat of a penalty.

*First S$10,000: 1.7% p.a. for the first year. Above S$10,000: 1.2% p.a. for the first year.

Is it still not enough to sway you towards the multitude of benefits Dash PET can provide you? Maybe the fact that the policy is administered by the Singapore Deposit Insurance Corporation (SDIC) might give you peace of mind.

Everything else is automatic upon sign-up, so you’re covered without having to take any further action (except for the management of your account).

How do I sign up?

Are you a Singtel Dash user?

Great! If you’re aged between 17 and 75 and have a valid Singapore NRIC or residency/work pass, then you are easily eligible to sign up for Dash PET. You can also check against the eligibility rules set by Etiqa Insurance.

Download the Singtel Dash app right now or click here to kickstart your savings journey today!

Post-Covid Salary Trends in Singapore for 2021

As we move into 2021, the one big question mark hanging over the heads of job seekers and employees is: “Will I see a pay raise this year?” The post-Covid salary trends in Singapore are unlike most years. With the unprecedented economic consequences of the Covid-19 pandemic, salaries and remuneration package planning is not as straightforward as before.

In most organisations, salaries are determined by employee performance, business performance, availability of talent, the importance of the role, the organisation’s reputation, and the economy – to name a few. As observed last year, the Singapore economy plummeted due to the drastic effects of coronavirus pandemic. Some lost their jobs, others received pay cuts, and many did not get any bonus payments.

As our economy makes its slow recovery in 2021, many companies are also recovering. They now have a better idea of reinforcing their businesses’ vulnerabilities, mitigating risks and creating long-term strategies to manage and emerge stronger from any crisis.

While the coronavirus crisis had drastically reduced job opportunities and salaries in 2020 – especially in trade and tourism, it has also shone a spotlight on growing industries. These include cybersecurity, software engineering, financial services and healthcare.

Nilay Khandelwal, Managing Director of Michael Page Singapore, says, “Singapore’s economy has turned a corner and remains a stable, secure and trusted hub, with seamless connections. As the economy recovers, investment into the market will flourish, and that would drive the demand for talent amid the business recovery climate.”

Michael Page Singapore’s Talent Trends survey report has found that companies are still willing to offer competitive salary packages to the right candidates – with 40% of employers cited plans to increase headcount numbers this year.

Given the economic demands, the sectors earmarked for the highest hiring activity are technology, healthcare and life sciences, banking and financial services, industrial and manufacturing, and FMCG. Here’s what you can expect for salary trends this year:

Tech jobs

Average annual salary increase in 2021 – 3.5%

75% of companies looking to give out more than one month of bonus

Average salary offer for new hires – 15% to 20% more than current or last-drawn salary

Healthcare & Life sciences jobs

Average annual salary increase in 2021 – 2.8%

57% of companies looking to give out more than one month of bonus

Average salary offer for new tech hires – 10% more than current or last-drawn salary

Banking & Financial Services jobs

Average annual salary increase in 2021 – 2.2%

75% of companies look to give out more than one month of bonus

Average salary offer for new hires – 10% to 15% more than current or last-drawn salary

FMCG jobs

Average annual salary increase in 2021 – 2.9%

62% of companies look to give out more than one month of bonus

Average salary offer for new hires – 11% more than current or last-drawn salary

Industrial & Manufacturing jobs

Average annual salary increase in 2021 – 1.6%

25% of companies look to give out more than one month of bonus

Average salary offer for new hires – 10% to 15% more than current or last-drawn salary

The Michael Page Singapore Talent Trends 2021 Report features insights and market sentiment in the Asia-Pacific region on prominent recruitment and talent-related topics including digital readiness, organisational design, flexible work, leadership, performance management and diversity and inclusion. The report also covers salary trends and insights from industry insiders. The results draw from a survey of 12 Asia Pacific markets, with over 5,500 businesses and 21,000 employees, of which 3,500-plus are directors or CXOs.