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.)
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?
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.
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.
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/t74cf8ffrom 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):
Scratch card worth up to S$88.88; or
Pixel 7 Pro worth S$1,299; or
Pixel Buds Pro worth S$299
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.
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.
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.
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)
Indeed in our world today, in this small island of affluent rich Singaporeans. Money is everything. It puts not just food in your mouth but also entertainment all day, all night long. What would you do without money? Cryptocurrency has taken a big fall along with traditional investments and the biggest news in town isn’t Bitcoin crashing down from it’s ATH (all time high lingo)
I also dabble in Cryptocurrency and at one point it made up about 20-30% of my entire portfolio. Which was amazing to be honest. It just raked on and on but I didn’t not take any profits. Instead I sink more into the ecosystem and punted for the 100x goal. Did I buy Luna? Did I do UST? No, I did not. Why didn’t I? I wasn’t too sure as well as I was playing MM.Finance and Dark Crypto Defi.
The Terra Luna Conspiracy
At one point I even pondered why didn’t I joined in the party at Terra Luna. But I had 0 holdings and I was wondering what did I miss out. Again, the 100x token. Unfortunately, things goes off in a snap this is part of the world and liquidity spiraled down to a level of pure single death tone. I’m not too sure how many people were hit locally but I do know there were plenty of suicidal comments online.
I read in many spaces that talked about having an asset allocation of not more than 5%-10% in your investment portfolio. But in that part of the space in my memory, it is just a 100% allocation into crpyto. I can’t help but feel sad to see it is down more than 50% but at least those were the profits that I ploughed in during the good times. Perhaps it is just time lost and research wasted.
In any case, It really brings back to the initial launch of why I started to note down my financial and blogging journey.
a. Don’t put in everything you can’t afford to lose when you invest. (Naysayers will say they took all the risk and became rich and that’s fine too if you made it) But I’m adverse. I have 2 young kids to feed, a mortgage and a car loan that is about to be paid up in a few years.
b. I’ve always been a bit skeptical about the all-in concept. How am I going to pay my bills for the next 6-12 months? Perhaps I’ve experienced this twice in my life. The first when I was in Secondary School where I had only $100 bucks in my bank account because I did not keep track of my spending. Needless to say, my parent’s scholarship eventually made up the bank book when I went to Tertiary.
This just proves that at a young age, it is hard to grasp the concept of personal finance. Especially when you can reach out and ask for money from your parents. This is non-existent in the World called America and Europe. Only Asian Parents do such things to spoon feed their previous child. (Laughing to myself – Who am I to say this as I also have 2 lovely girls)
My second experience of wiping out wasn’t exactly scary. It was when I got married and bought a house. Expenses were really tight and for a while, I scrimped really hard and saved on every little item.
My third experience was when I lost my job when I was 35. I had been living paycheck to paycheck. Bills, mortgage, expenses were what i needed but I lost my job. That made me think a lot. I was out of things for almost 18 months and I even tried to do a small business which put me in further financial disarray by the time I decided to pull out of it. Did I feel suicidal? I can’t deny it but I felt my existent in this world was worthless. But that thought didn’t stay long. So, for those guys who lost it all in Terra Luna, I can only say i feel you but money can’t buy you happiness.
Suicidal is an easy way out. Living is tougher. You can always rebuild but when you are gone, your loved ones will be distraught. Hence, the idea of depression can be really detrimental.
Cheers guys. I’m having a break today from work. Afternoon beer is a luxury – I understand that. My last few years were one of the greatest in a company whom emphasis is on getting things right and proper. Budget were never a budget issue. Everyone will have their day so keep on living. Don’t ever give up.
Health is Wealth guys. Don’t read it literally – Life is beyond just the money. Money gives you the capability and option to do many things. But life is beyond what you think it is. I can’t stress enough that when you think positive, you will get vibes and when you think you are young, you will be young.
I’m not sure how many people do read this or follow me but if what I say matters to you, it tingles with you. This is human psychology. There isn’t a need to be connected physically. When things resonate, it doesn’t need to be reasonable. You just need to know it.
It is not literal. This post isn’t about money or referral or personal finance. I feel you and many of us experienced that at least once in our lives. Just make sure that it is a lesson you learned and it doesn’t deter you from exploring options. Because, you really cannot say never to something you have not tried.
Living is more important than dying. Easier said than done but get over it and restart again. With support, it will be easier but without it will just take longer.
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.
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.
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)
Again, nothing much to shout about. To make more value for your buck, something to play around with if you have some time.
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.
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
Subscribe to news & promotions while linking accounts
Link before 30th June 2022
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 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.
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.
If you decide to sign up to this, do remember to use my referral code: 3197B5C
So, Google Pay has reignited Huat Pals and BB Loh is back. For this season, the Panda is the tough one to achieve digitally. On Telegram, plenty of people are just free riding on the free cash prize without reading or understanding the rules of the game. For some, they are just gaming the system to maximum their probability.
From 25 January till 15 February 2022, Google Pay users can collect Huat pals each time they complete the following actions on Google Pay:
Making eligible transactions of min. S$5 to merchants via Google Pay. Such transactions include:
Tap & Pay (Android Only) or Purchase movie tickets or
Order food via Google Pay app
Once a day
Scan and Pay (via FavePay QR, PayNow SGQR, or a UEN) [Do the 5 times $5 Paynow top up for Singtel Dash app]
Referring new users to Google Pay who make their first qualifying payment of min. S$10 (Once a day)
Gifting Huat pals to friends (5 gift to 5 different users, once a day)
Good luck on collecting the Huat Pals but do it without affecting your mental health. Have fun doing so.
I may have been a latecomer in the free stock game here but there’s always a opportunity or rather opportunity cost. Regardless of the time and period, if there’s something to gain or benefit from recommending certain products. I don’t see why we can’t do that. There have been a recent trend in growing a trading platform of late and in doing so, offering too good to refuse perks such as free “1” shares of popular and big capitalisation US equity companies.
Before I begin, I need to say that I’m working with Tiger Brokers on this sponsored content. Personally, I have used them and cost wise, it has been one of the more effective trading apps I’ve used as compared to traditional brokerage.
Tiger Brokers Perks
Tiger has a professional trading platform with easy-to-navigate design, quick online account opening, and funding. Tiger support trading global markets that include US, HK, Singapore stocks, and more. Tiger is offering every client benefit below when you do an initial funding of 2000SGD or estimate 1550USD:
1. Registration: 500 Tiger Coins 2. Account Opening: Stock: 60 commission-free trades within 180 days for stocks of U.S., H.K., Singapore & Australia Future: 5 commission-free trades for Futures within 30 days 3. First Deposit ≥ SGD 2,000： Stock: 1 free Apple (NASDAQ: AAPL) share
I just want to qualify for you to take note that you can’t send in a test transfer like initial $1 and the balance $1999 on the second transfer.
Due to some system related constraints, these are the issues that came up. I know that end of the day, what’s the difference as long as it makes up the whole sum. I have feedbacked to them and we shall see what they say.
In Summary, you have to complete an initial transfer of the full amount to the Tiger Broker Designated account that was opened in your name to be eligible for the promotion and free stock.
Thank you all in advance. I may give you a little extra if you use my link to sign up. Just drop me a private note once you have done so and funded the account.
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. Just take note to use this code to get your Tiger Perks – “WELCOME321“
I was lured by the high yields of CakeDefi which is roughly around 80% or at point of writing. This is accounted for in APY (Annual Percentage Yield) by staking. I signed up about 3 months ago but failed to take any action on this. Given how cash interest rates is just no longer interesting, I’ve been looking to invest my cash.
The crypto space is really intriguing. I’ve been reading trying my best to keep up with the crypto world but it is extremely dynamic but I do see use and real world cases which we can tap on and try to make a deal out of these new coins/system.
I decided to put in SGD$100 into Cakedefi as an experiment to see what rewards I’ll get in the next three months or so as a regular monthly updates similar to what I have been doing for my own robo advisors accounts.
If you are keen to join Cakedefi, here’s how to do it online:
Head to my referral link below (QR code or referral code) to set up your Cakedefi account.
Rewards: Get a total of US$30 worth of DFI ($20 worth of DFI when you sign up and make a deposit of $50 or more + $10 referral reward)
KYC applies – you’d need to standby a pic of you with your IC (and writing date and the stuff that you are applying for – their website will guide you), and upload proof of your addresses through your banking statement or utilities bill.
KYC approval time is fast so you can do this rather quickly.
I’m only trying out the staking on DFI and not farming for other stuff. I have yet to be convinced by CakeDefi so I will only play small money here.
How do we begin? To make the CAKE, you’d need the main ingredient: DeFi coin.
First, transfer BTC from Gemini to your Cake wallet at here
I chose Gemini because of their 10 free withdrawal per month
I received 11.4 ish DeFi coins which works out to be around USD$2.63 per coin.
Upon deposit of US$50 coins and above, I received notification of the bonus DFI:
The bonus DFI that is worth USD 30 is frozen for the next 180 days and is already working for you. Currently you get paid the base APY plus a little bonus %.
Free money to take but take note that the bonus will be locked for 180 days.
As most would caution, maybe these will turn into ZERO so only do it if you are comfortable.
If you already intend to stake with CakeDefi, pls use my referral link here where you’d get a total of US$30 worth of DFI ($20 worth of DFI when you sign up and make a deposit of $50 or more + $10 referral reward)
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. Please use my referral code if you would like to try CakeDefi: 786793
There is a little frenzy about crypto credit/debit cards these days. They have these multi-currency features, money transfer options and split billing which kind of attracts me to these functions. Revolut is one of those cards other than crypto.com which give a cashback but it set themselves apart by being a money manager as well. It is less of crypto trading but a simple was to get into the things of crypto.
Again, this is just getting to start on the crypto journey. They are proving time and again that this is going be a force to be reckon with as compared to fiat (Normal cash and currency)
The Revolut Credit Card
Revolut is a digital banking app and card that focuses on technology, low fees and premium features. It’s designed for those who travel frequently and offers ways to spend abroad, including international money transfers with no hidden fees.
There is only one physical card and limited services if you take on the free service. However, if you wish to upgrade to a more premium tier. You can always do so later on so no worries about those first until you try them out
Some of the more interesting local context is that Revolut tries hard to bring in new partnerships such as 20% cashback on public transport by using the card and so on. Brands such as Nike.sg, Lazada, Decathlon and iHerb is already on their cashback programme. I find that these cashback returns are pretty decent and you can redirect your funds to purchasing cryptocurrency if you wish to. Otherwise, you can just leave that as cash.
With Revolut, you can do the following:
Use it as a debiting account. You can set up recurring payments, transfer or request for funds and withdraw cash at international ATMs. You’ll be able to view your balance on an analytics screen.
Make international payments. The app lets you transfer money to 150 countries, fee-free, at the interbank exchange rate.
Spend globally fee-free. All spending abroad is also charged at the interbank rate.
Hold different currencies in your account. You can hold a balance or make an exchange in the app in 28 currencies.
Pay friends or request payments. You’re able to pay other people, request for payments, or use the split-bill feature to divide a group spend with ease.
View spending habits. Using analytics, your can view your spending and track them like a money manager
Control your card and account. You can lock and unlock your card in the Revolut app as well as set monthly spending limits.
Save money. They have a vault feature let you build up funds for a specific funding goal. This is not a bank account so you do not earn any interest. This kinds of reminds me of what Hugo Wealth Card can do.
Rewards. Benefit from personalised cashback and discounts when you spend at Revolut’s partner merchants, including Amazon, Lazada, Nike and Zalora.
Instant balance top-up. Reload funds from your bank account to your Revolut account fast and conveniently.
Customer service available 24/7. Get in touch with customer service directly through Revolut’s app. Paid accounts are also entitled to concierge service and priority customer support.
No credit check. You do not need to show a salary or paycheck to get a limit as this is as good as a debit card.
Promotion and perks for signing up:
Sign up with my link and get 25 SGD after you order a card and complete 3 purchases all before the 5th October 2021. While you await the physical card you can use a virtual card as all actions must be completed before the deadline. https://revolut.com/referral/paulbo2uw!SEP1AGG
Read more about the Terms and Conditions here at Terms & Conditions
On top of what is offered, you can still create and order a Junior card if your kid is above 15 years old and it is a good time to teach about personal finance and budgeting. I think this is pretty cool for an added value option.
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.
Please use my referral code if you would like to try this card out. (This is a limited offer only until 5 Oct 2021) Referral Code