Tag: Promotion

Quick Ang Pow $20 for Lendlease app

On By RistrettzIn Deals, Finance, New Ideas, Personal Finance Series, PromotionLeave a comment

This one comes a little at time but at limited supply.

Happy redeeming for new lendlease app owners.

You can spend at Parkway, Somerset 313, Paya Lebar Square and JEM malls for now.

Ang Pow
Example of how it looks like

Lendlease Promotion Refer for each to get $20 in e-Vouchers

First time I am seeing a referral $20 for $20 for both referral and referee.

If you restart the app, you need to rekey in the code to get the vouchers. Otherwise nothing will be allocated.

The app is a bit glitchy so be warned for now.

Only 5000 new lendlease sign ups get S$20 SIGN UP gift. Grab it early.

Once you download the app, you can only choose referral code or promocode. For this sign up promotion, the $20 for $20 is the most efficient one for now.

Use my referral code ‘DZEqaq’ when signing up or click on this link: https://lendleaseplusapp.page.link/gSRGPaWJpByeKrgz8

Disclaimer

If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram

Use my referral code ‘DZEqaq’ when signing up or click on this link: New Lendlease Sign-up link

If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services

Making more than 5% interest in Money bull

On By RistrettzIn Alternative Income, Deals, Finance, Interest, Interest Rate Series, New Ideas, Promotion, RandomLeave a comment

It’s been a while since anything kind of got me excited and Webull along with the money bull is coming along pretty nicely. During the Christmas period, there are some nice promotions to be taken away for a new Webull customer. That’s pretty sweet.

There are two items here to take note of:

  1. There’s a time factor now for anyone who is not a WeBull customer. The promotion campaign is ongoing and running until 29 Dec 2023. Click here to sign up Webull sign-up link
  2. There is something that is running similar to a Cash Fund promotion which doles out extra money.

Benefits of signing up

  • You just need to open an account with Webull, and fund any amount (no minimum) –  get 10 free shares when you open a Webull account and fund any amount. There is also a Moneybull promo you can get up to US$3,000 by participating in it.
  • Click here to sign up Webull sign-up link
  • Next you have to sign up with Webull and click on the promotion link to open a Moneybull account.
  • The T&Cs are pretty clear from here. you can only get one of the two promotions. One point to take note of is the SGD-USD exchange rate, you have to ensure that the SGD deposited is equivalent to the USD when exchanged. Then the bonuses are tiered according to either:
    Accumulating deposit with Moneybull before 29th December 2023 (3.59PM) and hold the funds until 31st March 2024 (11.59PM) US$2,000: US$80 cash vouchers

    US$100,000: US$3,000 cash vouchers
  • Additionally, you can put the funds into money market funds and earn the projected yields.

That’s how easy that is. Good Luck!

Remember to read the T&Cs Webull sign-up link

Conclusion

It is really a no-brainer to get free cash. You can also explore another app to see if it does fit with you. Never say never because if you do not try it. You will not know.

Click here to sign up Webull sign-up link

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

Promising deal from Webull

On By RistrettzIn Alternative Income, Deals, Finance, Interest, Interest Rate Series, Interest Rates, PromotionLeave a comment

It’s been almost nine months since my last post. I am distracted a little in my new job..I’ll say that it is a job, not a career, running almost one year into this new role. I must say that I have not gotten any positives out of this but it is probably a good transition. That brings me back to my goals once more. That is to invest and build more passive income. The basics of passive income seem like that is the way to do things and remember that it is never too late to start anything.

There are two items here to take note of:

  1. There’s a time factor now for anyone who is not a WeBull customer. The promotion campaign is ongoing and running until the end of October 2023. Click here to sign up Webull sign-up link
  2. There is something that is running similar to a Cash Fund promotion which doles out extra money.

Benefits of signing up

  • You just need to open an account with Webull, and fund any amount (no minimum) – The mechanics is that you get 3 free shares.
  • Click here to sign up Webull sign-up link
  • Next, maintain the amount for another 30 days and you get another 3 free shares. That makes it a minimal USD60 for this effort. The risk Reward on this is a 5-star so it is a must-do.

That’s how easy that is. Good Luck!

Remember to read the T&Cs Webull sign-up link

1a. Fund any amount +3 free shares TSLA US$10 each
AAPL US$50 each
AMZN US$100 each
GOOG US$500 each
2 Maintain funds for at least 30 days +3 more free shares
3. Click here to sign up Webull sign-up link

Conclusion

It is really a no-brainer to get free cash. You can also explore another app to see if it does fit with you. Never say never because if you do not try it. You will not know.

Click here to sign up Webull sign-up link

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

Scratch Cards for EZ Link Simply Go

On By RistrettzIn Deals, New Ideas, PromotionLeave a comment

I know this can be rather complicated. It took me a while to find out what is this Simply Go ezl concept. It has come to us that we can already use Mastercard and Visa card to tap in and use it for our public transport these days. Here, I think Ezlink is plugging a gap for those without credit cards. (Though I don’t quite see how that is possible to plug the gap when you also aim to use the credit card to top up the ezlink card.)

Scratch and Win Ang Pow for Simply Go EZ link card, sample screen shot of the game and how it looks like

Nonetheless, with CNY round the corner. EZ Link launched their conversation from a normal EZ Link Card via their Station Machines also known as the Ticketing Machines. It takes about one minute to convert the ezlink card to a “Simply Go” one so that one can top up online instead of queuing up physically. With this upgrade, there is a free $2 added to the card and with ever transport use, you get a scratch card which gives you a cashback amount into your converted Simply Go EZ Link Card. Easy to understand now?

The look and feel of the e-wallet that shows the ezlink screen.

If you have some time to spend and use the public transport a little here and there then please do use my referral code “4005114” when you register for the game. Good Luck and thank you in advance.

So I tried it out and it came with two standard scratch cards which gave me a total of $0.44 cents instantly which isn’t too bad for doing nothing except for the initial conversion. It will take about a minute at the ticketing machine so beware for the crowd behind you.

Conclusion

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

The pictures were taken off EZ Link website for reference.

Featured

Google Pay 2023 Huat Pals

On By RistrettzIn Deals, Promotion, RandomLeave a comment

This year, 2023, GPay has updated and made minor tweaks to their Huat Pals. Gone with BB Loh and Panda and incomes CNY goodies. I don’t know why but it intrigues me every year that I spend some time every year doing a little bit more research.

With the social aspect of CNY back after the Covid years previously, there are some additional items that give you more opportunities to get more goodies. That said, it also means you have to make more effort to get more.

More Ways to Huat. GPay Huat Pals

Step number one: You need to set up and download Google Pay for a start.

You can sign up for a new account here: g.co/payinvite/t74cf8f from your mobile app or use this link here at Download Google Pay you’ll earn $3 when you opt-in to Google Pay offers and rewards and make your first payment (min. $10)! Download the app and use my referral code t74cf8f to get started.

Next Step number two: You will need to understand how the mechanics work.

Now, different things tick with different folks so do what comforts you. Do take this article with a pinch of salt and a guide. If $8- $88 is not worth your effort then do proceed to do what comforts you and gets you more for your time. It should not make you anxious and keep your mind calm.

In order to get a scratch card or an opportunity to win prizes:

Once you have collected all 5 goodies, you will win one of the following (It is random so please don’t over-react if you don’t get any):

  1. Scratch card worth up to S$88.88; or
  2. Pixel 7 Pro worth S$1,299; or
  3. Pixel Buds Pro worth S$299
The GPay 2023 New Huat Pals. The new five characters for collecting scratch cards

The rare item that I am putting my money on is the gold/ingot. Just saying since it has an auspicious gold shine to it and google being google is pretty local in Singapore.

Once again, this game aims to have as much activity as possible. It isn’t a game of fastest fingers first so you kind of need to strategize and spend money in general.

Step number 3: Available and activity required to get goodies (This year there are more options) but also slightly more difficult to get it.

These are the same as what is in your app in the same order so GPay has nicely done it in a way that you can work on the tasks as if it is a list of times to fulfil daily.

A. PAYNOW to merchants (You can do it 1 time daily)

You need to spend a minimum of $5 to make this eligible. Small tip, YouTrip DOES NOT work Now. I’m sure there are other apps that work as well. I will make it subtle and quiet on each option.

If you do not have a YouTrip account. You can sign up here: Get your YouTrip Card now

You can get $5 when you top up your YouTrip card. (25 Jan 2023 Update: YouTrip, Shoppee Pay and CPF QR code works. The reset timing is 10 am daily. Please note. Sorry for the mis-information)

B. Make a FavePay transaction (You can do it 1 time daily)

In all honesty, this is pretty tough and you need to spend a minimum of $5 as well. However, if you have a merchant that uses FavePay, then it kills two birds with one transaction. My bad. Fave Pay transactions through GPay is from a bank payment or from PayLah. You can’t kill two birds with one transaction.

C. Use your Fave Pay cashback in a transaction (You can do it 1 time daily)

Well, again it is probably to reward those who go out of the way. You need to have Fave Pay cashback equivalent partners and this would offset options A, B & C, killing three birds with one transaction (I will have to test this out first before I update my article) meanwhile, today (19 Jan 2023) is the first day of Huat Pals launch from Gpay so there will be some exploration steps I need to take.

My bad again. cashback earned from the Fave Pay App doesn’t appear on GPay. So it has to be a repeat transaction. Again, good to know but difficult to execute once more. Also GPay has this few seconds lag which kind of stresses me a little with the queue behind me.

D. Tap to Pay (You can do it 1 time daily)

Yup. As simple as it gets. Contactless payment with a minimum of $5 charged.

E. Buy movie tickets on Google Pay (You can do it 1 time daily)

This is pretty clear-cut to me but I’m not the kind who purchases a movie ticket at GV or Shaw these days. The comfort of home and the price of movie tickets deter me. But again, it may work for others.

F. Split an expense with two other friends (You can do it 1 time daily)

Anyone knows that in an essay, the number 2 should be spelt as Two? Anyways I sidetracked. Instead of one friend to split expenses, you need two others. That means you are splitting your bills three-way including yourself with the minimum charge of $3.

G. Gift a goody to your friend (You can do it 5 times daily)

Finally, the last daily activity is to give your extra goodies to another friend (Aka trade) Those who know where to trade will know. It takes a bit of effort but yeah just enjoy the process.

Step number 4: Additional quiz or mission-style requests

So random quizzes or daily requests such as taking photos of items will get you additional goodies and these come in random. These are known as Huat Scanner and Huat Quizzes. (It is a QR scanner and answering quizzes) My thoughts are similar to how google search functions. The more you engage in the activity, the more these requests will pop up. Though random, there is some AI to it (i.e. robots related) We will not know but like any other games you played before, the more active you are, the more likely you are going to level up and do better. Whether it gets difficult, I’m not sure but let’s just have fun.

Huat Scanner Sample that is available daily on GPay Huat Pals

Side note, thank you google for the media announcement but perhaps you can send it to me earlier than the next event because my day starts, I have a day job and creating all these takes time and effort. You are always welcome to reach out to me to have a chat via my email. I’m happy to explore. Cheers anyway for providing media items so that I do not have to source for those on my own.

Conclusion

I can’t tell anyone this is worth your time to do all these because we have different values in terms of time and what it gives back to you. However, during the promotion period, there will be changes as Google work on bugs and several things to make sure that they can be as fair as possible to everyone. May luck be with you. Remember two things: The more you want something, the less it will come to you. (Because of the state of the mind) & This should not shun you away from doing the proper and real things in life that matters to you. (Be real, be yourself)

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

These pictures were taken off the Google Media Kit for reference.

To a happier and better 2023 ahead. Cheers.

Ezlink with new Mastercard wallet payment options (Quick & Easy S$10)

On By RistrettzIn Alternative Income, Deals, Personal Finance SeriesLeave a comment

In my previous post about Ez-link Trival here Ez-link deal , they have upped one more level by allowing Mastercard in their Ez-link payment option.

The Deal

You can now earn an easy S$10 just by logging into their app, there will be an option to use Mastercard to pay for items via Google Pay.

EZ-Link and Mastercard have partnered to launch a new feature called Pay by Wallet.

This would add virtual Mastercard functionality to your EZ-Link Wallet (Google Pay). You can then spend these at more than 80 million Mastercard online and in-store merchants worldwide. Unfortunately, it is only available for Android users for now.

Free S$10

As like any new players in the market, the launch of Pay by Wallet, EZ-Link is offering an instant S$5 credit to users who activate Pay by Wallet on the EZ-Link App.

Do note that you will get an additional S$5 cashback will be credited to you when you make a minimum spend of S$10 within 30 days of signing up. The promotion is not unlimited, please take note.

Should you be interested to sign up for this, do download the Ez Link App and key in my Referral code: 3197B5C

Some Pointers to note

a. This campaign is limited to the first S$100,000 of cashback or the first 10,000 new EZ-Link Pay by Wallet user sign-ups, whichever comes first

b. Next, note that certain transactions are not valid here at T&Cs such as donations, education, government services, hospitals, utilities and AXS. (Standard Stuff)

c. Additional perks:

For every successful Pay by Wallet transaction of at least S$80 made by 31 July 2022, earns you one entry into a lucky draw with the following prizes. (All prize winners will be contacted latest by 30 September 2022):

  • 1N staycation at Equarius Hotel or Hotel Michael with breakfast for two (3x winners)
  • A pair of Universal Studios Singapore tickets (80x winners)

Conclusion

Again, nothing much to shout about. To make more value for your buck, something to play around with if you have some time.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check out my referral links.

Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations

The pictures were taken from EZ-link website for this article.

 

Krisflyer and KrisPlus Making headways

On By RistrettzIn Deals, Miles, New Ideas, Personal Finance Series, Wealth & HealthLeave a comment

The opening up of Singapore seemed to be a cheer so far with the most recent news seemingly as a positive sign as all business would eventually open up to the rest of the world. Nonetheless, everyone have to still stay vigilant and not fall into the trap of Covid lockdown once more. It has been an experience with Covid and no one would wish that something like that will happen once again.

KrisShopper – Loyalty Programme

With these Krisflyer seemed to have extensively opened up and aggressively fronting their marketing dollars in Krisflyer shopping (KrisPlus or Kris+). Krisflyer launched their own loyalty programme called KrisShopper. The first 30,000 members who link their KrisFlyer accounts to KrisShopper will receive 1,000 miles, and the first 5,000 will receive additional SGD$20 to spend on KrisShop.

What do you need to do:

Link KrisFlyer to KrisShopper 500 miles
Subscribe to news & promotions while linking accounts 500 miles
Link before 30th June 2022 Status match

If you are eligible and done the correct steps, both miles and voucher will be credited within 10 business days after 30th June 2020.

Kris+ Couponmania (Co-brand/Partnership with Sqkii)

If you do not know what is Sqkii by now, you can check them out on their facebook or webpage. They first started out by letting people do the typical hide and seek treasure hunt for prize money by giving clues on a daily basis. How Kris+ is partnering with them is that they have created a game that allows anyone with a Kris+ account to merge coupon boxes. It is definitely not going to be easy as this is similar to the 2048 game that you play on your mobile. Each merging gets you a bigger coupon or prize which seems to be random. There’s also no guarantee that you will get the top prize which a a Nintendo switch or a Oven set.

You can only access this game with a mobile browser. Click on this link to go on to the browser: https://krisplus.couponmania.sqkii.com/auth?ref=GWWVAQT13P

Or you can key in the referral code: GWWVAQT13P

You would also get a mini coupon prize to start off once you have signed  up. Additionally, if you sync your Kris+ account, you get a speed up ticket that gives you a faster distribution per token. Once that is used up, you need to start referring more friends.

Remember not to skip the referral portion and also syncing your Kris+ account.

Everyone probably need referral to open up to more spaces to collect the coupons to merge the coupons. It takes 7 mins to be loaded with the level 1 coupon so 10 spaces means it will be full in 70 mins. Mindblown? haha.

 

 

 

 

 

 

 

 

 

If you do not have a Kris+ Account or App

If you don’t have a Kris+ account, you can download it via IOS or Google Play.

Sign up now with my link below, and my referral code L329518, and we’ll each be rewarded with SGD 5 worth of KrisPay miles upon your first transaction.
https://sqkrisplus.page.link/2cf87APVrFXFHT5e7

There’s also a daily challenge per week to login once every 24 hours and you get to claim 150 miles which you can use to offset your shopping. This will end this week so while it lasts.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check out my referral links.

Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations

The pictures were taken from KrisPlus website for this article.

 

MoneyOwl Performance review – Mar 2022

On By RistrettzIn Alternative Income, New Ideas, Robo AdvisorsLeave a comment

Money Owl has been the regular investing strategy monthly for about close to 2 years. While the amount is nothing to be shout about. It is just regularly fixing something so that I can save and invest at the same time.

This is really a small part of my portfolio at $100 monthly RSP for around two years for now. I Probably will stick with MO for now just to compare them versus Endowus. I like the management team, honest and no conflict of interest. Maybe I add on other investment strategies on their platform if the timing is right.

Who is Money Owl?

MoneyOwl is an initative from NTUC Social Enterprise. They are a Robo-advisor coupled with a suite of wealth planning tools such as will writing and insurance solutions. What really attracted me is their rather simple way of investing and using Dimension Funds as part of their portfolio construction

As a retail investor, you will most likely not be able to access such funds (Dimension Funds). When the market tanked sometime in Feb 2020, I picked a few Robo-advisor to invest into and look into performance a few months later. 

One of the reasons I went into MoneyOwl and Endowus initially was because of the Dimensional Fund. These are not readily available to retail investors but the investing landscape has changed. Retail is kind of king now.

Context

My MoneyOwl Portfolio is one that does not hold a lot. It isn’t my main Robo Portfolio but they kind of become slightly more trusted over the last few months. At the same time, for folk who have just started the investment journey, S$100 is definitely doable for a long long term portfolio. The whole idea of this blog is to also show that it does not take a lot to start building your own retirement pot. I still envy folks who are in the twenties and build their portfolio early. 

However, when you are young – Money is a limited resource. As usual, personal finance also have to revolve around each individual situation and understand the situation will determine what is required.

On top of the asset that we acquire, there is a need to tweak the insurance coverage due to a new child and an increased mortgage. Should there be any issues that happen to any one of us, at least the full liabilities are covered.

Mar 2022 performance (Day One Deposit)

In portfolio terms, it is up +8.56% and compared to my last review in Aug 2021 which was at +18.30% on 2 Sep 2021, it has dipped quite a bit in terms of percentage points. The portfolio size isn’t something great. Just a net deposit of $3,200. I kept the regular investing of $100 per month and it’s looking rather slow. I might increase this monthly amount to build the base up a little more. 2022 has not been kind to the markets and will continue to do so. So far, the defensive nature is what I have seen as a plus point.

If we look at Time Weighted Returns, it is the more accurate to account of deposit and withdrawals at +24.63%. Again, this return is just for reference. At the end of the day, what you originally invest in and the final amount will be the absolute profit.

 

In terms of the portfolio allocation, there is no change and it is at 60% equities and 40% fixed income. The portfolio consists of 4 different funds. Everything will be on Dimensional Funds. I kind of wished that I had a small cap fund in there. But I guess, as long as my main robo has that exposure that would be good as well on an overall basis.

Personally, I like the allocation % because it is just widely diversified for equities and widely disperse in terms of investment grade.

In the details on the profit and loss sheet:

a. The Global Core Equity Fund will be the largest allocation and makes up most of the returns to date and continues to do well.

b. The Emerging Market Large Cap Fund will be the lowest allocation and makes the least of the returns to date. I don’t mind some EM exposure at this point in time.

c. The Global Core Fixed Income Fund will be my main steady income Fund and finally.

d. The Global Short Term Fixed Income Fund will be the last stabiliser in my portfolio.

e. The government bonds remains to be on the downside which is expected though it recovered a little as compared to the previous month. The impact is negligible.

f. Recently, the russia exposure was mentioned to investors that it was removed and likely due to the sanctions.

MoneyOwl fees

A few months ago, MoneyOwl announced that they have lowered their investment advisory fees as well as absorbing the platform fees due to the pandemic.

a. For asset under management S$100,000 and below, there will be a 0.6% p.a. management fee and 0.5% p.a. for amounts above S$100,000. This amount will be rebated back in the portfolio. So take note that only Cash investments (Wise Income will also incur management fees), the cash management accounts do not have these in place and your total portfolio value has to be above S$50.

b. There is an introduction fee of S$99 which is worth about S$535 for a comprehensive Financial Planning. Money Owl’s advisors will sit down with you to review your portfolio. The review is expected to contain detailed report and recommendations (It is estimated to be around 2 hours). 

c. Additionally, they are introducing free financial resilience workshops to focus on cash flow management and debt management. Likely through Webinars and anyone can join in.

It is nice to see that as a partner to our national social enterprise, they are making moves to help Singaporeans. The reduced fees on investments which is one of the key points in long term investments. The more fees you pay, the more it affects your long term goals.

If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM

Both of us with get S$20 worth of GrabFood Vouchers for every product or service that you sign up so that means that both of us will get up to S$60 worth of GrabFood Vouchers. (Total of 3 services/products)

Personally, I think that they are decent. A very conservative bunch.

Disclaimer

This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check they out and do your diligence. There is no one size fits all investment strategy.

If you would like to give MoneyOwl a try do remember to use my referral code: 1JIC-91CM

Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at https://atomic-temporary-178675883.wpcomstaging.com/contact/

The pictures were taken from Money Owl’s website for this article.

Ez-Link deals and promotions

On By RistrettzIn Personal Finance Series1 Comment

You are probably no stranger to Ezlink. Recently, they have been trying to revive hard on their app and card usage and introduced a number of gamification tools on their app. But their marketing is way too quiet, probably because the rewards aren’t that enticing. Nonetheless, it is worth the effort if you have some time around doing this.

From 1 April 2022 to 26 May 2022, you can accumulate EZ-Link points to redeem those vouchers. These are limited by the way so that is first come first served.

Download the Ez Link App, use my promotion click on discover and Trivia. Key in my Referral code: 3197B5C and begin the daily login and daily answer to the questions. The promotion Tier will be:

30 Points: $0.50 Cashback

50 Points: $5 Fairprice Online Voucher

80 Points: $8 Fairprice Online Voucher

130 Points: $1 Cashback

250 Points: $3 Cashback

These cashback that is successfully collected will be credited to your Ez Link wallet.

All right then. Thank you for using my code in advance.

Disclaimer

If you decide to sign up to this, do remember to use my referral code: 3197B5C

If you like what I am sharing or if it resonates with you, do use my referral codes for other services at Referral and Recommendations

These pictures were taken off Ez Link website for reference.