April 16, 2021

Get a free Fitbit Inspire 2 Fitness Tracker or $130 Cash via PayNow with CIMB Credit Cards

Lobang: https://www.moneydigest.sg/get-a-free-fitbit-inspire-2-fitness-tracker-or-130-cash-via-paynow-with-cimb-credit-cards/

Complimentary Fitbit Inspire 2 Fitness Tracker or $130 Cash via PayNow

From now till 7 May 2021, get a free Fitbit Inspire 2 Fitness Tracker or $130 Cash via PayNow when you apply for a CIMB Credit Card. T&Cs apply.

Boasting cards that offers one of the highest amount of cashback in the market — at up to 10% — it makes sense to keep one of these cards in your wallet.  Why apply for CIMB Credit Cards? Because there is no annual fee for life. Period. Most credit cards only offer 1 to 2 years annual fee waiver, but for CIMB credit cards, there are no annual fees for life so there’s no need to worry about maintenance. (or requesting for fee waivers)

Another sweet spot for CIMB is that you can you can maximize the amount of cashback by combining multiple CIMB credit cards to extract the highest rewards. For example, both the CIMB Platinum Mastercard and CIMB Visa Signature Card offers the same 10% cashback with a $100 cap. The former includes spending on dining, petrol, health, travel in foreign currency, electronics and furnishings while the latter includes spending on online shopping, groceries, beauty & wellness, pet/veterinary services and cruises. By gaming the system and using each card on the right occasion, you can potentially reap a maximum $200 cashback.

Complimentary Fitbit Inspire 2 Fitness Tracker

Get a free Fitbit Inspire 2 Fitness Tracker or S$130 Cash via PayNow when you apply for any of the CIMB Credit Cards below.

[youtube https://www.youtube.com/watch?v=l93l51BzN5U]

Choose from any of the credit cards below:

CIMB Platinum Mastercard

Did we say 10% cashback? Yes, you heard it right. The CIMB Platinum Mastercard is one that gives you a whopping 10% of your spending as cashback, at up to $100 per month — considerably one of the highest in the market. Eligible spending includes Wine & Dine, Transport & Petrol, Travel in Foreign Currency, Health & Medical and Electronics & Furnishing. You will also enjoy an unlimited 0.2% cashback on all other spend. There is no annual fees for life for both the principal and up to 4 supplementary cardmembers.

CIMB Visa Signature Card

Similar to the CIMB Platinum Mastercard, the CIMB Visa Signature Card offers an attractive 10% cashback. Qualifying spends include online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises. This means you can alternate between both cards to maximize the amount of cashback you can receive in a month. This is more beneficial for cardholder because each card has a $100 cashback cap and having both cards for different categorical spend allows one to earn more cashbacks beyond the capped amount.

CIMB Visa Infinite Card

Reserved only for a selected few, the CIMB Visa Infinite Card lets you enjoy unlimited 2% cashback on Travel, Overseas and Online Spend in Foreign Currencies and unlimited 1% cashback on all other spend. Simply spend a minimum of $2,000 within a statement month to qualify.  The 2% cashback consists of the base cashback of 1% and an additional 1% cashback. The Principal Cardmember also enjoy 3 complimentary global lounge access at more than 1,000 airports annually.

CIMB World Mastercard

CIMB World Mastercard is another game-changer cashback credit card that offers unlimited 2% cashback on Dining, Entertainment, Automobile and Duty free stores purchases and 1.5% cashback on all other spend, with no minimum spend required.

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Royal Caribbean extends sailing season in Singapore, offers 50% off cruise fares and free cruise fare for kids

Lobang: https://www.moneydigest.sg/royal-caribbean-extends-sailing-season-in-singapore-offers-50-off-cruise-fares-and-free-cruise-fare-for-kids/

50% off Cruise Fares, Kids Cruise Free

Royal Caribbean International has announced that they will be extending the sailing season in Singapore through October 2021. This comes after an overwhelming demand from their first extension from March through June 2021.

Singapore residents can continue to satisfy their feelings of wanderlust on 2-, 3- and 4-night Ocean Getaways and enjoy fun-filled activities, next-generation entertainment and world-class dining on board one of Royal Caribbean’s most groundbreaking ships. These new sailings will be available to Singapore residents and open to book on April 13, 2021.

Singapore residents can enjoy 50% off cruise fares and up to SGD300 instant savings when they make their booking from now till 19 April 2021. Kids who are 12 years or under can also cruise free with each paying adult, up to a maximum of 2 kids. Seniors enjoy 10% off cruise fares excluding taxes and gratuities.

Guests can choose the different departure dates from May onwards, with fares starting from S$249 after discount. Royal Caribbean will also let you cancel up to 48 hours before you sail, and get a future cruise credit to book by 30 April 2022.

Call 6305 0033 or book online at RoyalCaribbean.com.sg.

Here are 5 frequently asked questions about cruising:

Terms & Conditions

* Prices quoted are per person in Singapore dollars , based on cruise fare only .Taxes and gratuities ranging from $ 91 to $ 113 apply to allguests . All above prices quoted are after 50 % discount based on the lowest promotional category of the featured departure dates for per person on twin – sharing basis 50 % OFF : Offer applies to Singapore sailings departing on or after 4 May to 18 Oct 2021. Applicable for first and second guest booked inthe same stateroom and is only applicable for selected staterooms KIDS CRUISE FREE : Offer provides free cruise fare only for third and fourth guests who are 12 years old or younger on Singapore sailings departing on or after 4 May to 18 Oct 2021 ,excluding 3 to 21 Jun 2021. Taxes and gratuities apply . UP TO SGD300 INSTANT SAVINGS : Up to SGD300 instant savings apply on selected sailings departing on or after 4 May to 18 Oct 2021. The savings amount is per stateroom and determined by category booked and sailing length Instant savings are applied as an instant rebate to the price of cruise fare upon payment. ADDITIONAL 10 % OFF SENIORS ‘SPECIAL : Additional 10 % Seniors Discount applies to the cruise fare only for first and second guests who are 55 years old or above on Singapore sailings departing on or after 4 May to 18 Oct 2021. Taxes and gratuities apply . The above promotion cannot be combined with other offers , valid for new bookings from 13to 19 Apr 2021. All of the above information is correct at the time of print , subject to availability ,and change without prior notice . Other terms apply . For more information ,please visit www.soyalcaribbean.com.sg

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Understanding the Benefits of Physiotherapy

Lobang: https://www.moneydigest.sg/understanding-the-benefits-of-physiotherapy/

Physiotherapy is a medical practice that assesses, diagnoses, and treats different kinds of injuries and health conditions while aiming to restore mobility and function. In Singapore and several other countries, the term is used interchangeably with physical therapy.

In physiotherapy, a trained professional assesses your current condition and formulates a physical treatment plan to address the body’s weak points. Treatment includes exercises that can strengthen your muscles and improve fine and gross motor skills.

While people commonly associate physical therapy with athletes and sports injuries, its benefits are not limited to them. To elaborate further, here are some of the ways physiotherapy can help you.

Pain Management

If you are currently experiencing chronic pain, consider going to a physiotherapy clinic. The practice uses various techniques, exercises, and treatments, which restore muscle and joint function and reduce pain, swelling, and inflammation. Moreover, physiotherapy can also help prevent the pain from returning with a proper treatment plan.

Posture Correction

Poor posture can contribute to many problems, including back and neck pain, headaches, poor balance, and difficulty when walking. You can easily address these problems with physiotherapy. A licensed professional will assess your body mechanics and find what you need to have better posture. It can include stronger back muscles or better balance. By pinpointing what you need, a physical therapist can create a customized exercise program addressing your posture.

Increases Mobility and Movement

If you are currently having trouble while walking, running, or moving, physiotherapy can help you get back on track. Strengthening and stretching exercises may help restore your ability to move. It applies to individuals who have just undergone surgery as well.

Improves Balance

Proper balance is easily overlooked in day-to-day life, but it is crucial in preventing injuries. Individuals with poor balance are more prone to falling and have a greater chance of getting fractures and concussions. Therapeutic exercises that can improve your coordination and balance, helping decrease this risk. Physical therapists may also help you acquire a suitable assistive device.

Prevents Injury

One of the main goals of physical therapy is to assess the body and search for vulnerable points to injury. After identifying these, the physiotherapist will formulate an exercise program that can address these weakened points and make your body stronger as a whole. In this manner, you avoid getting injured.

Help Heart and Lung Diseases

People struggling with heart and lung conditions can benefit greatly from physiotherapy. For individuals with heart disease, physical therapy can strengthen the heart and improve mobility, which are crucial to rehabilitation. Meanwhile, physiotherapy can help people with lung diseases by clearing fluids in the lungs and maintaining lung patency.

Avoids and Helps with Surgery

If the doctor permits, there are some cases where you can opt for physiotherapy instead of surgery. While the process will take longer, it will help eliminate the pain, expediate the healing process, and consequently, improve your overall health. This can help you save on costs and efficiently guide your body down the road to recovery.

Even if you need to have surgery, physical therapy can still help you before and after the operation. Some cases will require physiotherapy beforehand to prepare you for the procedure. After all, you’ll be able to heal more quickly post-surgery if you’re in good shape. After the operation, you may need physical therapy as well to restore muscle function and get back on your feet.

Rehabilitation from Stroke

It is common for patients who have had a stroke to have limited mobility. Physical therapy aids in rehabilitating them. The initial three to four months of physiotherapy can help the patient recover function and mobility from the effects of a stroke. In this manner, the patient becomes more independent and slowly acclimate to the tasks of daily living.

Pregnancy and Postpartum Care

Pregnancy and childbirth put a lot of stress on the body, and women need a lot of help to recover. Physical therapists can contribute to easy delivery and help the woman cope with labor pains.

Their assistance extends to after the delivery as well. Women struggle with all kinds of pain after childbirth, including back pain and neck pain. By going through physiotherapy, the patient can learn proper posture and undergo helpful exercises that will not only reduce the pain but also help them recover efficiently.

Addresses Age-Related Medical Problems

As a person grows older, they begin to experience different health problems, including joint pains, osteoporosis, and arthritis. Older patients may benefit from the less strained and more conservative approach of physical therapy compared to having surgery. By effectively managing these conditions, you can reduce their effects and improve your quality of life.

Based on the points above, it becomes clear that physical therapy can help people from all walks of life in many different ways. It is not limited to athletes and seniors. If you are currently struggling with chronic pain or are simply looking to becoming fitter, consult a physical therapist and give your body the boost it needs to live a healthier life.

 

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