MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

False Alert: Here’s How You Can Spot Fake Financial News

You do not need to wear Sherlock’s deerstalker hat to filter out the falsehoods from the facts!

#1: IS IT LEGIT?

I have to admit, one can easily get lost in the vast Silicon Valley. A humble image search may lead to random personality quizzes. More so, it may lead to a seemingly familiar website that spreads factitious news. Do not rely on the credibility of the sharer (i.e., refers to your friend who shared the “news” on social media) alone! Assessing whether the website is legitimate or not is the first step to spotting a fake headline.

Notice its face value. If the article reeks of typographical and grammatical errors then, approach with caution. If the author’s prior works does not seem fact-based then, approach with caution. The article’s graphics may look impressive, but it does not necessarily add to the website’s credibility. Consider clicking the website’s “About Us” tab or browse through the readers’ comments below the article.

#2: THE HEART OF SOCIAL MEDIA

The rise of websites like Twitter and Facebook created a digital landscape for an unprecedented number of online articles. Its potency was highlighted as fake news became a modern epidemic. Facebook defines fake news as articles that “set out to deceive, contain objectively provable falsehoods, and pretend to be from a legitimate news site”. A single nation cannot control its overwhelming global prevelance.

For starters, getting your news primarily from social media platforms entails reading articles that usually skip fact-checks. Social media websites allow individuals and businesses to campaign paid advertisements and make them seem like genuine stories. Some websites are even decorated with “fake news” bots. It is dangerous when you are regularly fed with fake financial news to suit your online behaviors. Steer away from these stories and focus on accurate financial websites or news outlets such as MoneySENSE.

#3: CAN YOU DEFINE IT?

Let us get our vocabulary straight – first things first. Contrary to popular belief, fake news are not restricted to impolite or inconvenient themes. Nor is it limited to the scrutiny of a financial professional or a financial theory. Fake news have in-depth layers. As I previously mentioned, Facebook defines fake news as deceiving articles that contain false information. Many are published to target the ignorant masses to generate “virality”.

Image Credits: pixabay.com

You see, this type of news rely on your impulsive decision to click. Just because something has optimized shareability does not mean that it is credible. There are some viral money articles that are worth missing out!

#4: THE LACK OF DATA

Viral articles usually elicit strong emotions from its readers. Whether they are sobbing or empowered, people are fond of sharing stories that leave a lasting impact. Despite carrying an inspiring rags-to-riches investor story, do not instantly treat an article as your stock guide. Just because a charismatic person says that a certain stock is booming does not mean that it is!

Fake news lack tangible data. Artistic infographics or tables may distract you from the truth that the article is utterly baseless and purely objective. So, remember that savvy investors examine the data rather than the opinion. Opinions may be harmful when the person you are interacting with is promoting a stock for his or her ulterior motive. Safeguard your financial well-being by checking for the facts.

#5: DID YOU FACT-CHECK?

Group SMS used to be all the rage back in the day! It refers to establishing a collection of contacts that you will constantly communicate with. When I was in secondary school there was an individual who hid in the persona of “gossip girl”. He or she used to send messages containing unpleasant events that attack a particular set of students. It was saddened to see how rumors spread like wildfire! Lies often spread farther and faster than the truth – according to a report.

Image Credits: pixabay.com

Applying the same ideal to fake news highlights how facts go viral less often than falsehoods. This is why readers must adapt the habit of fact-checking. Start by digging through the attached links then, check the article’s primary resources. Dial up your skepticism when links and references do not add up.

Sources: 1, 2 , 3 & 4

6 Surefire Ways To Ace A First Impression

Present yourself in the right light with the help of these tips.

#1: BE PUNCTUAL

The fine strokes of impression starts as soon as you walk the room. In Japan, they have mastered the management of time. Most Japanese naturally acquired the habit of punctuality. Showing up early or on time displays their respect for other people. Nothing is more disrespectful than having your interviewer or potential client wait for you for 30 minutes.

Image Credits: pixabay.com

If you are running late due to unforeseen circumstances, it is best to let the people know. Call the interviewer or the client as soon as possible. He or she will appreciate this gesture more than hearing a lame excuse upon your arrival.

#2: DRESS THE PART

Who does not want to be seen as well put-together during the first meeting?

It goes without saying that the quickest elements of impression formation include the physical appearance. It does not matter whether you are interviewing for a modelling gig or not. You will be judged with thru way you look. Showing up in a neatly pressed suit or a tailored dress comes across as professional and organized.

#3: RELAX THE FACE

When you are nervous or lying, your autonomic nervous system goes into an overdrive. You will unconsciously make significant movements such as scratching your nose, pulling your hair, or touching your cheeks. Some may even chew the pen’s cap during written assessments. These body movements give off a sense of judgment and lack of confidence.

Image Credits: pixabay.com

Be mindful about your actions during the interview or the product proposal!

#4: PAY ATTENTION

As obvious as this may seem, shaping a stellar impression includes being present at the given moment. Physical presence does not stop at the face-to-face interactions. You must be mentally active during the conversation too! Ensure that you are coming across as someone who is interested and engaged with the other person.

Start by calling the interviewer or the client using their name during the entire conversation then, you may paraphrase their thoughts from time to time. Listen to what the other person is saying and tailor your responses accordingly.

#5: TOSS THE PHONE

Putting your devices and smartphone away is primarily applicable in this modern age. Do not immediately turn to your phone while waiting in the lobby. Use this time to double-check your CV or to contemplate on the proposal topics.

When the interviewer or the boss comes, you will appear prepared for the task at hand!

#6: BE POSITIVE

A person with a pleasing personality is hard to find. This is why positive people give a lasting impression. It is easy to connect to a person who portrays a friendly attitude through his or her command of words and body language.

Image Credits: pixabay.com

So, greet the interviewer or the potential client with a genuine smile. Then, ensure that the topics that you will discuss are on the neutral ground. Showing a hint of your sense of humor would not hurt too (i.e., during appropriate instances)!

Sources: 1 & 2

5 Everyday Items That You Must Splurge On

EARPHONES

I have learned my lesson. I will no longer waste my money on seemingly fashionable yet cheap earphones. I got tired of replacing the ones that I recently bought at an artsy bazaar or a festive market. So, I focused on browsing some premium earphones. It made a huge difference! In fact, my current earphones has been with me for about two years.

Consider making the switch! Look for an earphones that possess amazing sound quality, decent microphone sensitivity, and well-made wires. I know that some people prefer flat wires to prevent the hassle of tangled wires. Note that there are certain brands with lifetime warranty such as JLab Audio. Before making a purchase, educate yourself about these things by reading online reviews.

PRESCRIPTION SPECTACLES

Half of my life was spent on constant trips to the nearby optical shops. Changing my look became a subtle hobby of mine. I either steer away or hop aboard the bandwagon when it comes to the style of my frames. I cannot be the only one!

The prevalence of shortsightedness or Myopia among Singaporean children was considered as one of the highest in the world. For a trait embedded in our genes, many of us are in need of prescription eye-wear. A lifetime eye-wear supply may poke a hole in your pocket, but it does not have to!

Purchasing your specs online may be cheaper and more convenient. However, it may not withstand the test of time. You will have to constantly replace your frames or lenses to compensate for its lack of quality. It is a good idea to invest on quality prescription spectacles that your specialist recommends.

COSMETICS

The beauty industry generates billions each year. I cannot deny how crazy consumers can get when Sephora Singapore announced their Christmas Sale that offer up to 50% off. Brands such as Too Faced, Urban Decay, Fresh, Nyx, and Tarte can be easily spotted in the sale racks. For a makeup enthusiast such as myself, I quickly grabbed the shopping basket!

Why is it important for you to purchase high-quality cosmetics? For starters, it is something that you apply to your face on a daily basis. It is hard to hide an irritated or a wounded face due to cheap makeup. Invest on high-end products every once in a while. Pretty soon, you will see your collection growing and your skin glowing. Consider foundations or tinted moisturizers from Laura Mercier, Bare Minerals, and Bobbi Brown.

KITCHEN KNIVES

Rather than frequenting the restaurants or hawker centres, cooking for your family can stretch your dollars. Knives are among the essential tools in the kitchen. The basic collection includes a chef’s knife, a serrated knife, and a paring knife. A dull knife takes you back to the caveman era. While, a sharp knife can last you for a lifetime. Remember that all blades can be sharpened. However, some blades dull faster than others.

Look for reliable knives that may last you for a lifetime. Consider notable brands such as Victorinox and Cangshan.

SOCKS

Socks are prevalent in the workplace and school environments. Students and employees regularly change their socks to accompany their trusty shoes. I remember using antimicrobial socks to prevent foot odor during my Physical Education class. You read that right! Socks are essential to protect your feet from odor, blisters, and unwanted microorganisms. This is why you spare no expense in finding a durable pair.

Image Credits: pixabay.com

With an article of clothing that you must wear everyday, ensure that you are comfortable throughout the day. Opt for thin socks to provide you cushion and style. While thick wool socks shall provide you the warmth and longevity.

Sources: 1, 2 & 3

4 Places That Celebrate Singapore’s Yuletide Festivities

The glittering trees and the glistening streets mark the Christmas Eve in Singapore. What are your plans for the holidays? Do you fancy a crowded night out or a peaceful night in?

I, for one, was showered with gifts from generous clients and friends. Not to mention, I bravely partook in a holiday spree. There were great deals everywhere! The exhilarating feelings of Christmastime brings happiness to people of all ages. Celebrate the Yuletide spirit by visiting one or all of these amazing places:

GREAT CHRISTMAS VILLAGE

It is difficult to resist the retail bargains found islandwide! As I have mentioned above, I embraced the volume of people to accomplish my holiday spree. The crowds were truly overwhelming. I noticed that they condensed in one place – Orchard Road’s Christmas Village. The Christmas Village includes Santa’s house, amusement rides, and a pop-up market.

The “Endless Wonder — Christmas on A Great Street” market is located at the Ngee Ann City Civic Plaza. You can expect an array of retailers such as Ritz-Carlton Hotel, Tiffany & Co., Casio, SK-II, Fish & Co., and Haagen Dazs. You do not want to miss the Christmas Countdown concert as well as the gorgeous street lights!

Location: Ngee Ann City Civic Plaza
Rate: Free admission
Duration: Open daily at 11 am until December 25, 2017

SMASHING NEON PARTY

Let your neon dreams come to life as you enter the largest retail playground in Singapore – the Flashbang! A variety of food stalls, game booths, and craft workshops await you at daylight. When night dawns, neon installations designed by the local artists will light up the place. You are sure to snap Instagram-worthy pictures in every corner! Boosting your social media profile is important during the Millennial era, right?

Image Credits: instagram.com/agoncilloanna

My sister and I began our Flashbang stroll with a sip from our cocktails. We were enticed by the old-school arcade games, the live music performances, the unique food stalls, and the luminous LED-light balloons. Our experience was concluded by a restful nap at the Airmocks’ hammocks.

Location: Grange Road Carpark
Rate: Free admission
Duration: Open daily at 3 pm until December 30, 2017

A CINEMATIC WONDERLAND

Gone are the days when you visit a Christmas event mainly for its festive market. At Gardens by the Bay’s Christmas Wonderland, you will be delighted to see an action-packed area. This place is filled with live performances, light sculptures, carnival games, and snowfall shows. You will be greeted by the quaint wooden huts containing artisinal products and quirky crafts. It is recommended to see and snap Santa’s well-lit grotto!

My family and I decided to explore its cinematic wonders tonight. We are looking forward to witness the Vokatones perform their Christmas Carols as well as the Luminarie Light Sculptures at 7 pm. Buy your tickets online (at least one day in advance) to get the discounted price of S$4 to S$8 instead of paying S$6 to S$10.

Location: Gardens by the Bay
Rate: S$4 to S$10
Duration: Opens daily at 4 pm until December 26, 2017

THE FAMOUS CARNIVAL

With hundreds of online reviews, who would not be curious about the largest carnival in Singapore? The Prudential Marina Bay Carnival spans about 3.5 football fields. It hosts over forty rides including the Star Flyer, Mach 5, and Das Fun Schiff. The Star Flyer gives a sensation of flying with its 35-meter tower. The Mach 5 swings its riders round and round at an outstanding 55 meters high. Lastly, the Das Fun Schiff is their take on the classic Vikings ride.

Ease your throbbing heart as you check out the selection of local and international food such as chicken rice bowls and chendol soft serves. Top your thrilling experience with a carnival staple such as the candy floss or cotton candy.

Perhaps one of the most interesting stories about the carnival is the viral article that narrates a writer’s experience with a stranger. The writer invited a senior taxi driver to the carnival out of spontaneity. They happily strolled the entire area and talked about life (in general). He wisely said: “I learnt in business that we can’t abandon people during hard times…”

Read the entire story, here.

Location: The Promontory @ Marina Bay
Rate: Free admission (Rides cost between S$4 to S$10)
Duration: Open daily at 3 pm until April 1, 2018

Sources: 1, 2, & 3

Korean Air’s Secret – Why 6-hour flights now feel like 1 hour

About Korean Air

Having been around in the industry since 1969, Korean Air has established itself as one of the most premium airline services in the world.

With its wide range of service offerings, from in-flight entertainment to comfortable, luxurious flying, you can be assured that your every needs is met from departure to arrival. For 2018 airline ratings, Korean Air was awarded as the Best Economy Class airline by equipping seats to guarantee the most comfortable economy seats for the passengers. Be prepared to be pampered by their warm service and excellent reliability.

The Korean Air ticket holds numerous possibilities and offerings that you wouldn’t even have imagined. It is no wonder that the airline has been recognized as one of the top 10 airlines in the world!

Flight Comfort

Many people complain about the lack of legroom on their flights. You’ll quickly realise that this isn’t a problem at all with Korean Air – their seat pitch is 34 inches long, designed to give you all the comfort you need.

This is much more spacious compared to other flights carriers whose seat pitches are approximately 31 to 32 inches long, with budget airlines seat pitches at 28 inches long.

Now that’s how you fly comfortably!

Flight Entertainment

Wondering what the best way to shorten your flight journey is? Movies! Korean Air brings you the latest blockbuster movies straight from the cinemas and into your own personal LCD monitors.

You can also plug in and have some of the latest songs, ranging from Pop, Rock or Jazz, and even K-Pop, to accompany you through your journey with Korean Air.

On top of that, if you have trouble resting, why not choose to play one of their many in-flight games? Their state-of-the-art entertainment suite is a treat for everyone of all ages.

In-flight Meals

Begin your Korean experience right from the very start with Korean Air. Korean Air offers customers the convenience and comfort through its award-winning offerings of Korean and international meals. Selected wine services are available with wine flown from France, Chile and Australia. Special meals services are also available for passengers who may have additional dietary restrictions like vegetarian, religious dietary restrictions or allergies.

A must-try is their two-time Mercury Award Winner, Bibimbap. This dish will set your senses ablaze with its delightful tastes, and coupled with the free flow water, juices, soft drinks, wine and alcohol, it is almost a perfect dining experience in the air.

In-flight Services
Personal lights are also available for you if you wish to read on your flight. Korean Air also provides all passengers a copy of the Morning Calm magazine, a publication that seamlessly brings you to some of the best places and most breathtaking sights in the world. Sit back, relax and enjoy!

On top of that, there are plenty of other services available too. Go crazy with shopping on board Korean Air via the duty-free sales, where you can get great deals on your favourite products. Snacks and beverages as well as light meals and services are also provided on certain flights to keep passengers engaged and entertained.

You’ll also notice that each seat comes with a USB port for you to charge your devices. Sweet! Now you never have to worry about a flat phone battery anymore!

Korean Air Boarding Pass Promotions
Not many people know about this, but the Korean Air boarding pass offers you some of the best deals around for attractions, dining and performances around South Korea and beyond.

If you’re visiting South Korea, you can get 20% off your Everland or 30% off Lotte World tickets for a day of fun. You can then enjoy the rich history of South Korea by visiting Jeju Folk Village at 30% off. In the evening, enjoy a performance at NANTA Theater at a 10% discount. Sounds good, right?

You can also expect additional discounts on transportation, such as the Arex Express Train at a discounted price of KRW 6,900 (U.P. KRW 14,500), and hypermarkets like Lotte Mart. With so many good deals all around, it’s hard to say no to flying with Korean Air. Have a look at the deals available for not just South Korea but other countries as well here.

Look no further! Book your ticket from Singapore to Seoul with Korean Air from $677 all-in, by 1 Jan 2018 now! Advance purchase of 90 days applies.

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