Sunday, July 15, 2018

Weekend Sharing - World Cup , CareShield Life and Pulau Ubin

Pulau Ubin
We are already at the second weekend of the beginning of second half of the year, what have you achieved so life, both in your career as well as in personal life (including your financial state)? Anyway, it's just a question for you to ponder since we are at the mid-term (of the year) now. Whatever the answer, you can't change the past, you can only take stock, review what you can do at the moment and move on. 

Keep going and keep smiling (my living motto). 

Since it's a Sunday, so just share some thought on some interesting/personal topics:

On World Cup 2018:
Finally, we are a couple of hours away form the FINAL game of World Cup 2018. It will be a face off between France and Croatia. I have predicted an showdown between France and England (see my earlier post here) but Croatia seems to be disagree with me :-)  

Would it be an anticipated winner or an upset (since upset is norm in this tournament)?  Of course, I am still sticking to my very initial prediction that France will be the champion again this year. Well, ball is round, we will know the outcome very soon.  
World cup final - France vs Croatia

What is your prediction? 

On CareShield Life Premium Equality:
Recently, there has been a hot debate on the CareShield Life's gender-differentiated premium (the crux of the issue is that the premium for female is higher than the male). In fact, current's ElderShield scheme is already under gender-differentiated premium mode, which is a fair costing (at least to me) since female generally has a longer lifespan. 

CareShield Life

What I thought might be a feasible solution is for Government to give female policyholders a much higher rate of subsidies (to better compensate them for the higher premium), this will ensure equilibrium of the premium (instead of male policy holders cross-subsidizing female policy holders as I foresee that to achieve a standardized premium rate for both male and female, the "new" premium rates will be higher than the current stated male premium rates).      

On Pulau Ubin Excursion:
Yesterday, decided to have an half-day excursion at Pulau Ubin in the afternoon. Initially was planned to go in the morning but due the gloomy sky and drizzling in the morning, decided to follow the the weatherman app which forecast that it will be sunny after 2 PM (which is quite "zhun" aka accurate).

It has been nth years since I last visited Pulau Ubin, I am happy that most of the kampung lifestyle is still preserved well, especially at the centre near the Jetty. Just 10 minutes bumboat ($3 per person) away from the mainland into the serenity of nature, far far away from the concrete jungle and noise pollution. 

The best way to get around the island is by riding a rented bicycle, plenty of bicycle renting shops there but the pricing are quite different. For me, I picked an higher end bicycle which cost me only $10 for the whole day.

I've achieved my mission of the excursion, which is re-visiting the quarry (the one which is more spectacular is called Ubin Quarry) and Chek Jawa Wetlands.

Following are some photos for sharing..
Pulau Ubin
Pulau Ubin - The True Kampung lifestyle!

Pulau Ubin
Puaka Hill

Pulau Ubin
Selfie at Puaka Hill before trek up to the peak for the view

Pulau Ubin
After 10+  mins trek up the Puaka Hill, this is the view of Ubin Quarry 

Pulau Ubin
Second mission - Chek Jawa Wetlands

Pulau Ubin
The friendly wild boar is strolling at his hometown

Pulau Ubin
Board Walk at Chek Jawa Wetlands

Pulau Ubin
The Viewing Tower at Chek Jawa Wetlands

Pulau Ubin
Chek Jawa Wetlands Visitor Centre - One of the most iconic one in Singapore (front view)

Pulau Ubin
Chek Jawa Wetlands Visitor Centre - One of the most iconic one in Singapore (back view)

Pulau Ubin
Chek Jawa Wetlands Visitor Centre - One of the most iconic one in Singapore (thumbs up!)


Saturday, July 7, 2018

Hair For Hope 2018 (Part 2)

Finally, collected the Hair For Hope 2018 goodies bag (consists of my L size T-shirt, a can of coconut drink, a tissue pack and the bag itself). It was a long queue, which is a good sign as it means more people are participating in the good cause! 

If you are keen to participate too but missed the registration, do feel free to drop by VivoCity on 28 Jul 2018 (Sat) as a Walk-in shavee (if the arrangement is as per previous round, there will be two queues, one for registered shavee and the other for the walk-ins). However, if you are not ready to get bald but wanted to support Children Cancer Foundation (CCF), which is the main beneficiary of Hair For Hope, you can use the link below to give any amount of donation (THANK YOU in advanced):
Lastly, if you wish to find out more about the Hair For Hope campaign, please check out my earlier post - Hair For Hope 2018.


P/S: On a side note, I am happy that both France and Belgium and through to the Semi-Final of the World Cup 2018! It is a step closer to my prediction :-)

Thursday, July 5, 2018

World Cup Knockout Stage Now, Which Teams Will Proceed Further?

World Cup 2018 Ball
We are at the 2 days break of the World Cup Tournament at the moment and tomorrow, the first Knockout game (Uruguay VS France) will kick-off at 10 PM (Singapore Time). 

All the balance 8 teams are 3 games away from the Champion and every team has "equal" chance (it might seems unequal on paper but bearing in mind the popular saying of "Ball Is Round!", never say never). 

From tomorrow till 15/07/2018 (Sun), the final at 11 PM (Singapore time), I believed all the CC (Community Centres) in Singapore which are screening the balance 7 matches will be packed and filled with fever pitch atmosphere. 

In any case, most fans want to see exciting attacking games and not defensive games with plenty of ball passing at own side, so, hope the balance 8 teams live up to their reputation (even though some team are still in the midst of establishing it). 

World Cup 2018 Knockout stage

If you were to ask me who will be in the final and who will be the Champion this year, I will still stick to my original prediction (see the link here for my earlier post), which is :

FINAL                 : FRANCE vs ENGLAND

What is your prediction? 


Saturday, June 30, 2018

Before Agile On Investing, We Have Agile For Your Family

As per my earlier post (click here to see more), after attended the 3-days Agile course (to be more specific, the Certified Scrum Master course), I've been thinking how whether Agile framework is applicable for non-work (non-business project) related project/activity like investing. 

After some googling, I managed to find at least one sharing of applying Agile in Family Matter, in the form of TED Talk - Agile Programming - For Your Family (by Bruce Feiler). Enjoy this less than  18 minutes TED Talks which I thought is quite eye-opening, especially for the parents. 

The key take-away (for me) from this TED Talk is : never under-estimate the "self-organizing" power of your child (for that matter, anybody else).

Next up, for me to explore further on the application of Agile in investing (if there is any relevance at all).


Sunday, June 24, 2018

Weekend Sharing - World Cup And Agile

World Cup 2018
During this fever pitch period aka World Cup 2018, time seems to zoom past faster than usual,  we are already at the 11th day of the tournament and games are getting more and more excited now. In less than 10 minutes time, the game between England and Panama will be kicked off (at 8 PM Singapore Time). What is your prediction? My humble guess is 3-1 (England win). 

Two weeks ago, I've attended a 3-days course on Agile framework (Certified ScrumMaster) in NUS, even though the focus of Scrum (one of the many Agile framework) is more towards software project but the overall principle of Agile is applicable for any other type of projects in many disciplines. After the course, I've took and passed the rather simple online assessment, I am deemed Certified ScrumMaster now :-) Personally, I am quite intrigued by the Agile framework (not specifically Scrum) and will continue to learn more about it. One thought just dawn on me : can we apply Agile framework in our investing? lol

For the past few days, I've been down with flu and cough and was on MC since Thursday. No, it's nothing to do with the World Cup fever, the latest match that I've watched so far is 11 PM match! In fact, a couple of my personal friends and colleagues fall sick too, so, I think weather is the main culprit. 

That's all for now as it's time to watch the World Cup match! 


Friday, June 15, 2018

Key Spending Areas For Crypto Online (Guest Post)

Investing in cryptocurrency is already a famously difficult financial maneuver. While it’s something that excites a lot of people, even on the amateur level, cryptocurrency remains largely unpredictable. Large countries with influential economic systems are still figuring out if and how to regulate it, exchanges are emerging and changing constantly, new coins are always hitting the market, and perhaps most of all, people are still making up their minds as to whether or not cryptocurrency is actually useful.

Ostensibly, cryptocurrency is meant to be valued for the security and privacy it attaches to any online transaction. These are the features, along with the fact that it’s purely digital, that were initially expected, by some, to lead to a mass migration to cryptocurrency transactions. However, while these perks do exist, the relative inconvenience of using cryptocurrency, or at least getting started with it, has so far kept that mass migration from occurring.

Nevertheless, if you’re interested in cryptocurrency investment, you’ll likely want to keep a close eye on how people are using it as currency. Even as this currency has become known more as a commodity, it’s still something people can buy and use, and the more people are doing that, the more stable the currencies’ values will be. And monitoring cryptocurrency’s utility primarily means seeing where it’s being used online. These are some of the areas worth keeping on your radar.

Travel Booking

It’s unclear exactly why, but travel booking has proven to be one of the bigger and more consistent areas of adoption for cryptocurrency online. It may have started with Expedia, which was among the first major names in any industry to accept bitcoin. The company actually stopped working with cryptocurrency, but even so a number of vacation sites, hotels, and airlines are working to make crypto-funded adventure a reality. Should this ever catch on with an aggregator such as Trivago for accommodations or Kayak for travel, the implications would be fairly significant.


If it’s not a personal interest, you may not be aware of just how big casino gaming has become online. Poker and slots in real casinos have always been popular, but they may be even more so online, where players are free to roam between the vast number of games available. Some of the sites that host these games have actually already started accepting cryptocurrency deposits, and if it goes industry-wide it’s going to mean quite a lot of activity. As for more conventional gaming, it remains to be seen if cryptocurrency can make an impact. Steam, the largest platform for online game downloads, did accept bitcoin for a time, but has since stopped.

Aggregate Retail

The question of when Amazon will accept bitcoin might actually be one of the most significant questions surrounding cryptocurrency’s potential growth. A huge portion of retail sales take place online these days, and aggregate retail options, with Amazon leading the way, facilitate a great deal of that business. Should the online retail giant allow purchases via cryptocurrency there will be a massive new incentive for people to start using it.

Wednesday, June 6, 2018

Hair For Hope 2018

I will be back! 

To the Hair For Hope campaign that is! I've been participating in Hair For Hope fundraising event for 3 years previously and the main objective is to create awareness for Children's Cancer Foundation (CCF), which is the main beneficiary of this fundraising event, as well as doing my small part to support this non-profit organization. 

Following are some quick facts on the children suffering from cancer and served by CCF:
For more details, feel free to check out the site Children's Cancer Foundation.

If you are keen to take part in this meaningful event too, feel free to register at the Hair For Hope site here to MAKE A BALD STATEMENT. Otherwise, you can also support them by donating to the cause via the following link (every cent count):

On behalf of the children at CCF, THANK YOU!


Sunday, June 3, 2018

Google Home Mini - Is It Worth Your Investment?

Yesterday, dropped by the 28th edition of The PC Show 2018 (Singapore) at Marina Bay Sands with friend. Usually I went home empty handed after the casual "walk walk and look look" but this time round, I went home with 2 new gadgets : Google Home Mini and wireless earphone (Zagg's Summit Wireless). 

In this post, I will share a little bit more of my first A.I (Artificial Intelligent) gadget i.e. Google Home Mini. The reason I've gotten myself the Google Home Mini instead of the bulkier/heavier Google Home is because besides the better speaker quality for the latter, the functionality for both are identical. Since I am not an audiophile, I opt for the smaller and cheaper version. 

What's there in the box? 
1. The Google Home Mini
2. The power cable
3. A couple of instruction cards

Google Home Mini 1

Google Home Mini 2

Google Home Mini 3

The Pros of Google Home Mini:
1. The initial set-up is rather simple, just power up the Google Home Mini, download the Google Home app to set-up/link the gadget to your Google Account. Also, there is no ON/OFF button, just plug and play.  
2. She (I use she as my Google Mini is a lady voice) can understand my question 99% of the time. The gadget is capable of self-learning and will gradually improve the understanding of our voice/accent along the way.   
3. For safety reason, it has voice recognition capability i.e. you can set-up a "voice match" so that she will response only to the query/command of the recognized voice(s). 
4. It's affordable (the RRP is SGD79 and the promotion price at the PC Show is SGD53 or SGD94 for two [i.e. SGD47 each]) 
5. The design is sleek and cool.  
6. All your interaction with Google Home Mini will be tracked in your Google Home app (under the "My Activity" section), so you can always check back the answers/response or even replay the same music at a later date at your phone/laptop.  

The Cons of Google Home Mini:
1. Currently, she can only understand English (Singlish also can) but more languages like Chinese is in the pipeline (as per the saleslady).
2.  There is no volume switch, so to increase the volume of the speaker, you can either ask her directly i.e. "OK Google, turn it up"/"OK Google, turn it down" or tap on the side of the gadget as per the following (to be fair, this might not deemed as a con once you get used to it, but for a newbie, it might be a struggle):

What Have I done with my Google Home Mini so far? 
1. Play music via the linked Spotify (free)
2. Ask her questions like I will usually do in Google Search (I've tried asking: Who is Andy Lau? CEO of Apple? weather for tomorrow? population in the world and many more? etc..).
3. Tell me joke, a couple of times.
4. OCBC's Talk to OCBC features (retirement estimation and market trend)
5. Read news from Straits Times News (presented by MONEY FM)

So far, I do have fun playing with her and bearing in mind that there will be more such "voice-first" apps/partners coming in the market (like the one with OCBC), it is definitely a worthwhile investment for me. Personally, I think besides Blockchain, AI (artificial intelligent) is another incoming tech trend that we need to embrace.  

Oh, by the way, today is the last day of The PC Show (Singapore) and they are still having promotion for Google Home/Google Home Mini gadgets or just want to have a test on the gadgets, do drop by the show!

Are you are existing Google Home (or similar gadget) users? What do you use it for most of the time? 

"OK Google, tell me a joke" - "Why Peter Pan always flying? He never land!" (the actual joke told by my Google Home Mini). 


Saturday, June 2, 2018

World Cup 2018 - Who Will Be The Champion?

In less than 2 weeks' time, the world will be glued to the screen (big or small) to watch the month-long world's most beautiful sport. Yes, I am talking about the World Cup 2018, happening from 14 Jun to 15 Jul 2018 in Russia

Good news for those friends living in Malaysia or those live near enough to have reception to Malaysia's RTM 1 (their National TV station) as the latest good news from Malaysia's new Government is that World Cup 2018 will be aired freely in RTM 1 (whether all matches or selective matches is yet to be confirmed). 

To refresh your memory, following are the previous winners of the World Cup since 1994:

Ever since England crowned the Champion in 1966 (52 years ago), no one country managed to the back-to-back winner. This feat only achieved by Italy (in 1934 and 1938) and Brazil (in 1958 and 1962). So, will Germany be the third nation to achieve it in 2018? 

What is your prediction of this year's World Cup Winner? Personally, my wild guess is FRANCE (even though I am an England team supporter :-)).



Tuesday, May 29, 2018

Three Strategies for Choosing What Cryptocurrency to Invest in Next (Guest Post)

Finding the Next Bitcoin

You’ve probably thought it at one point or another: “I missed the Bitcoin payday. How do I decide what cryptocurrency to invest in now that I know about the market?”
The bad news: It’s unlikely that any other cryptocurrency will see the same astronomical growth that Bitcoin experienced over the last few years, and impossible to predict it. 
The good news: There’s still plenty of opportunities to invest in up-and-coming cryptocurrencies that could potentially bring you 10-100x returns. This comes with a heavy note of caution, because as you may know, cryptocurrencies are incredibly volatile. This is not investment advice, and you should gain/lose money on your own research and intuition.
In this article, we’ll go over some basic strategies you can follow when searching for what cryptocurrency to invest in next. We’re focusing on high risk, high reward options here. If you’re looking for general investment tips, you should check out our article on how to build a proper cryptocurrency portfolio instead.

Scour Initial Coin Offerings (ICOs)

Initial Coin Offerings (ICOs) have quickly become the standard for blockchain startups to raise funding for their project. In an ICO, the team hosts a crowdsale in which you purchase tokens that you can use on their platform. You can also trade these tokens in the secondary market (exchanges) after the ICO.
For example, Golem held an ICO to distribute the first GNT tokens. The purpose of these tokens is to purchase computing power in the Golem network, but traders also buy and sell them on exchanges.
Participating in ICOs can be a lucrative trading strategy. If you invested in the NEO crowdsale (at the time the project was called AntShares), your return on investment (ROI) would be ~160,000% currently. Populous, about 5,000%OmiseGo, around 4,000%. You get the picture.
Source: ICOBench
ICO gains do come with the highest amount of risk, though. The majority of ICOs will fail, and already almost half have done so already.

ICO Research

It’s important that you do your due diligence when picking what cryptocurrency to invest in pre-ICO. There are a ton of things to look at when evaluating a cryptocurrency, but the most important attributes are:
  • Team and advisors – The team should have experience in blockchain technology or at least the industry that they’re targeting. Preferably both. Having reputable advisors is also a strong sign that the ICO could succeed.
  • Clear problem/solution – The project’s white paper should clearly define what problem the project is aiming to solve and how the cryptocurrency solves it. Make sure it’s not just a document full of marketing BS.
  • Token distribution –  The team should be distributing over fifty percent of the tokens to crowdsale participants if not much, much more. Be hesitant about projects in which the team and advisors keep a significant proportion of tokens.
Other things to take note of are: any notable partnerships, whether the team has already created a product, and the size of the industry they’re targeting. All of these things could lead to a favorable investment.

Check Lesser Known Exchanges

Even if you missed your chance to participate in an interesting ICO, you can still invest once the coin hits exchanges. At this time, there’s often a brief spike followed by an immediate dump as ICO investors look to cash-in on short-term gains. This is a prime opportunity to get coins you’re interested in for ICO-level (or even lower) prices.
Beyond the short post-ICO period, you still have time to invest in a coin before major exchanges begin to list it. Cryptopia and decentralized exchanges such as IDEX are goldmines for these types of coins. The same research strategies mentioned above apply to coins in this category as well.

Search through coins with a small market cap (<$100 million) that haven’t been listed on a large exchange like Binance yet. You can check CoinMarketCap to see which exchanges coins are on. Make sure you research appropriately and find coins that you believe to have solid fundamentals.
Once you’ve found a coin you’re confident in, purchase it, and (this is the hardest part) wait. It could take days, weeks, or even months for your coin to reach a respectable amount of awareness. If you truly believe in the fundamentals of the coin, though, this timeframe shouldn’t matter. Once the coin joins a major exchange, feel free to trade it accordingly. 

Time Important Events

Another popular strategy in selecting what cryptocurrency to invest in is to choose coins based on project roadmaps and event calendars. This is a short-term strategy and usually much harder to execute than the other ones that we’ve covered.
The price of cryptocurrency tends to rise after an important partnership announcement or development milestone. If you follow certain projects on Twitter or are active in their Telegram channel, you usually find out about these announcements ahead of the less involved general public.
With that information, you can sometimes buy into a project early and ride the wave up following the announcement. This has some potential downsides, though. Correct timing is incredibly difficult to accomplish. And, in a bear market, even the most impressive announcements can get crushed under the negative sentiment.
Additionally, the rest of the market may not react to the news the way that you expect. A recent example of this is Verge’s PornHub partnership announcement. While some supporters saw this as positive news, the majority of the market didn’t, and the price crashed accordingly.  

Stay Vigilant

Most importantly, you just need to stay vigilant when looking for what cryptocurrency to invest in. New investment opportunities occur every day when you’re actively looking for them. Join subreddits, follow crypto traders on Twitter, constantly research new projects – in essence, engulf yourself in the blockchain space. You never know what gems you’ll stumble upon.

This article by Steven Buchko was originally published at

Sunday, May 27, 2018

ElderShield Revamp - 10 Things You Need To Know

ElderShield, Singapore's national long term care insurance is set to be overhauled in 2020. Currently, Singapore Citizens and Permanent Residents can opt in to the Eldershield scheme when they reach 40 years old and it is administered by 3 of the selected private insurers : Aviva, Great Eastern and NTUC Income.  

Come 2020, things will change and here are the 10 things that you need to know about Eldershield revamp:

1. New Name - It will be renamed as CareShield Life

2. New entry age : 30 years old (as opposed to current 40 years old)

3. It will be compulsory (as opposed to current opt out approach)

4. Claim payout is increased to at least $600 per month (as opposed to current $400 per month). The benefit will also go up 2% per year for the first 5 years of implementation. 

5. Claim period will be lifetime (as opposed to current 6 years). 

6. Existing Eldershield holder (or those who opt out after reaching their eligibility age) can opt-in from 2021.

7. Premium is expected to increase and the premium payment period will be from age 30 to 67 (up from current age 40 to 65), more details will be provided by MOH in the second half of the year. 

8. Premium subsidies will be provided for the first 5 years.  

9. The government will take back the administration of CareShield Life.

10. Private insurers are expected to continue to provide the enhanced layer of the CareShield Life in the future, some fine-tuning and alignment of their benefits/premiums are to be expected. 

What is your view of this upcoming Eldershield revamp?


Friday, May 25, 2018

All My Capital On This Counter Is Officially Kaput (hint - not Hyflux)

Recently, Hyflux is in the news, for the wrong reason. It went from market darling (heyday of  $2.42 in May 2008) to trading suspension (at $0.21 in May 2018) in the span of 10 years. Of course, there is still a slim chance that Hyflux might make a come-back (never say never, just need to find one or two white knights). 

I knew a couple of my financial blogger friends got burnt (in variation of impact) but to me there is always chance that such situation can happen to any company that we are vested in. No matter how prudent is your analysis (fundamental or technical), there is always the luck/gambling element in investing (which is not within our control).

Not too long ago, when I was checking my stock list (via the POEMS app), I noticed the list is somehow shorter (the list is not long in the first place, hence it is rather obvious). After further checking, it is confirmed that one of the counter (EVEP - Eve Energy Partners, US stock) has went missing!

EVEP is my only US stock which has been in the decline (for close to 90%) for quite sometime and I've actually mentally written it off. Upon further checking, my capital (about S$5,500, after offsetting the dividend received) for this counter (EVEP) is officially GONE! KAPUT! The company has filed for Chapter 11 last month. 

So, what have I learnt from this episode? Avoid industry/company that you are not familiar with (especially those from oversea) 

So, what is your biggest materialized "rotten apple" thus far? 


Saturday, May 19, 2018

How These 2 Apps Made My Recent Macau Trip Extra Sweet?

I am just back from my 5 days 4 nights Macau trip a couple of days ago, after settling down the work stuff, it's time to get back to the blog sphere again. For a start (or re-start), let's do something light and more leisure stuff - my recent Macau trip's experience. 

This was my third time visiting Macau and for the previous 2 trips, they were all day trip (from Hong Kong island). This time round, we spent the full 5 days in Macau and hence have more time to relax, and really explore the various tourist attractions. Of course, when come to Macau aka The Land Of Money, the first thing that come to most people's mind is the casinos. Practically every corner you go, you will chance upon one or two casinos waving at you. Even though you might not be an a casino person, it is still an eye-opening experience to just drop by and have a feel of how posh or grand a casino can be (it's free entry anyway and nowadays they are not strict in the dress-code, I do see people wearing short and slipper in there). Too bad, there is no photo taking within the casinos, or else, I might share some of the photos here, especially the one in Wynn. lol

A few tips on travelling to Macau:

1. The international airport in Macau is rather small and so far only FlyScoot has direct flights (from Singapore). 

2. Taxi fare there is comparable to the one in Singapore. It's more convenient/easier to get taxi from hotels. Also, most of the hotel do provide free shuttle services to Ferry terminal, other hotels or designated tourist attractions. 

3. If you planning for a Macau trip, you may consider the following alternative tourist attractions (besides the default must visit places like Ruins of St Paul's and Senado Square) :

a. The House Of Dancing Water - It's a 90 minutes+ show that awesomely combine acrobatics, dancing and daredevil stunts with plenty of water. The design and transformation of the stage (from water pool to dry land) is a marvelous experience (it's better than any Transformation movies). It's a MUST WATCH if you are into such show. 

Selfie before entering the show - The House Of Dancing Water

The stage of The House Of Dancing Water - The platform is actually water pool
b. Macau Tower - If you like height and want a bit of the thrill, you can consider Macau Tower for the Skywalk or even SkyJump (at 233 meters height). I managed to do the Skywalk only and have fun doing it with a bunch of un-known but jovial girls from China. 
Before the Skywalk

Skywalk and sitting on the edge

I believe I can fly...
c. Studio City Macau - It's an all under one roof entertainment hub of which their Golden Reel (the Ferris wheel turning in a shape of 8) and Batman Dark flight 4D show are worth the visit. 
Studio City

Golden Reel - The Ferris Wheel in the shape of 8

Golden Reel and me

Inside the Golden Reel

Batman Flight 4D Show

Batman Flight 4D Show

Oh, almost forgot to share the 2 apps that I am talking about in the title, phew! The apps that sweetened my Macau trip are Shopback and Klook.

For Shopback, I managed to get a cashback of $46.70 for booking my FlyScoot ticket and accommodation ( through their app. The best part is that the booking journey is seamless as their app has integrated with the actual booking sites, so your booking experience will be as per normal. The total cost of my booking (flight + accommodation) is $837.78, so, effectively it's about 5.5% discount (after the cashback). 

If you have not download/use Shopback , you can download and register via this link and get $5 cashback bonus. 

As for Klook, its main purpose is to provide discounted tickets for tour, activities, shows etc. in many countries. So, why pay the full price when you can have a discounted one? The best part is that their e-tickets will be emailed to you as well as uploaded into your app. With the e-tickets, you can use it for direct entry without the need to queue at the box office to exchange for physical tickets (at least this is my experience in Macau). I've used Klook to purchase the tickets for The House Of Dancing Water and The Batman Flight Show and managed to save $74.40 (I paid $244 instead of $318.40, which is about 23% discount) for 2 persons.  

If you have not download/use Klook , you can download and use this referral code AQC8R to get yourself $4.30 as a sign-up rewards.  

Enjoy the travelling and savings along the way. 


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