How Much Air Conditioning Do You Actually Need? The Ultimate Guide to Aircon BTUs and Heat Gain in Your Home

HDB Floormaps and their heat loads

Your body is a furnace right now.

who’s a lil lightbulb

In this moment, 30 trillion of your cells are metabolising, transforming nutrients into energy. This happens even when you sleep, and keeps us alive.

As your cells metabolise, they release heat!

more activity + bigger body = more metabolism = more heat

Fun Biology Fact But a Bit Too Much Information

This heat is an inevitable byproduct of the chemical breakdown of ATP (Adenosine Triphosphate), a compound that is your body’s ‘currency of energy’. It’s needed to drive your muscle contractions, move your cells, circulate blood and even get your nerve impulses going!

In the world of aircon, one of the popular ways to measure this heat is with the BTU, The British Thermal Unit.

yum, energy

An indoor aircon unit with 18000 BTU capacity is able to remove 18000 BTU of heat (and humidity).

How much heat needs removing from your home?

Let’s start with the internal heat sources. These typically mean energy-consuming things, like appliances, lights and people.

1: Identify the heat sources inside your home

The first major heat source in your home is you!

That’s right – when you sleep, your body emanates about 18 satays of heat energy!

And as you read this, little oranges of heat are radiating from your body. (The healthy choice)

This heat leaves your body by convection and conduction from your skin to the air, which is only possible when the air is colder than your skin. This is usually the case!

Here’s a screenshot of my skin temperature ranging between 33.4 and 33.8°C , taken with this sensor I have!

My core temp at the time was 38, which was more than my battery level!

During a heat wave when the surrounding air is hotter than your skin, the body actually gains heat from conduction and convection – here it can only cool itself down by the evaporation of sweat. Because humidity limits this evaporation, heat loss becomes super difficult! This is why hot, humid climates (like Singapore) are considered much less comfortable than hot climates which are dry. (Like UAE, or certain parts of Australia!)

Other than humans, electrical and cooking equipment are a source of heat gain too. Studies from ASHRAE have been done to determine the recommended heat gain for a variety of these!

The list is long.

But it’s much simpler to assume that 100% of your appliances eventually convert electricity into heat gain.

Fun Facts about Entropy – Why All Your Electricity Becomes Heat

You might think that the light energy, the sound, and the processing power that appliances produce refutes this assumption. But light bounces around your walls until its radiation is absorbed by all surfaces in a room (some escapes out the window). Sound reverberates through the air and surfaces of your house, agitating the molecules which exert friction on each other as heat! In computers, the computation performed in CPUs are simply resistance to the circuit. They perform no energy storage and do no work – simply producing heat as electricity cascades through the billions of transistors to perform instructions.

For the laptop I’m typing this post on, that means 65W!

That means my laptop is emanating about 221.8 BTU/hour, or two plain pratas of heat during the day. Yum.

What about your entire home?

Looking at EMA’s stats on Average Monthly Household Electricity Consumption, the overall average Singapore home consumes about 470kWh of electricity a month!

That comes down to a heat generation about 470000 ÷ 30 ÷ 24 = 652.7 Watts.

Which is 2227 BTU/hour!

Plan ahead!

Because the average kWh consumption of 470kWh is quite high for smaller flats, I stratified the data like this!

Almost there!

Equally important are the sources of heat outside your walls.

2: Identify the heat sources outside your home

Even a closed, empty home heats up! Before cooling you and your family, heat enters from the hot, humid outdoor air and solar radiation outside your walls.

This happens even if you had no windows!

The amount of heat is proportional to your flat’s outer surface area, which will increase depending on your floor area:

This heat travels by conduction through your window glass and the solid concrete of your walls – when one side has a higher temperature, heat will inevitably transfer to the other side!

This heat (Q) is proportional to the wall material, the surface area of the walls (A) , their wall thickness (L) and the temperature difference (T1-T2) between the inside and outside!

A simple way to calculate the total heat gain through your walls and windows is to use the BCA’s Residence Envelope Transmittance Value (RETV).

(Sidenote: RETVs can be reduced with better insulation and materials! This can be a point of pride for residential buildings. To be eligible for a Green Mark Platinum, you need an RETV of 20 W/sqm or lower.)

Let’s take the maximum RETV – 25 W/sqm.

This leads us to the final table of internal and external loads!

I’m assuming that the floor area of a condo is about the same as a 4-roomer, gasp! As we all know, they’re going down in size.

The story doesnt end here!

The heat your house expends today may change over time, which would be wise to consider.

3. Changes over Time

Consider the changes to the number (and size) of people in your home over time.

If you want to minimize the number of times you upgrade/change air conditioning units, it’s a good idea to size for the future. Most air conditioning units last 15-20 years!

Within this time horizon, how will the loads in your house change? Should you size for the largest heat load in the next 20 years? Or the load your aircon serves 80-90% of the time? It might be tempting to just buy the biggest air conditioner you can, but over-sizing your unit can be tremendously wasteful depending on the part-load efficiency.

We’ll cover that… next semester!

I hope this post helped you understand what BTUs are and how the inside and outside of your house matters when you are looking for the right size of air conditioning!

Cheers.

The Big List of DBS Rewards Points – How Much Are DBS Points Worth? (June 2021)

I chose my credit card for the miles.

(Note: this post is not sponsored, chill please!)

DBS Bank Cards - Credit Cards, Debit Cards and More! | DBS Singapore
Photo Credits: DBS

Naturally, I never bothered to check how many points I have.

Have you?

How much are these worth anyway?

Just like Grab, DBS has a huge list of rewards which make it hard for me to say what the best bang for my buck is. Check out this old interface!

oldsku

What I want to know is the highest dollars I can redeem per point.

Or, the lowest number of points needed to redeem $1.

Let’s get to it!

Naturally, the best points/dollar were from the exclusives category – naturally DBS would incentivise you to purchase one of their cards!

These aside, I’m glad to say that the KrisFlyer Miles were one of the better items at 53 points to redeem a dollar! Justifies the whole card.

Also kudos to these three sites I used as a reference to evaluate the Qantas, Krisflyer and Asia Miles.

On average, the it takes 60 points to redeem a dollar. This means each DBS point is worth about 1.6 cents.

Which means my 25891 points are worth $431.52.

I guess it’s time to use em!

I hope you found this helpful. Let me know in the comments if you want to see more posts like this.

Cheers.

The Heart of Air-Con: The Artist’s Guide to Water-cooled Chiller Plants in Singapore

For the engineers and techs in the energy & sustainability sector, I am here for you.

This is your bread and butter!

And I hope to draw it for you with uncommon beauty.

What is a Chiller Plant?

So.. air conditioning takes up about 50% of energy consumption in our commercial buildings.

The cold is costly!

The energy which powers Air Conditioning simply moves machines that throw human heat outside of a building.

Liddat

This sounds simple, but actually involves a long chain of machines, passing the heat to each other.

Woah.

This magical process works mainly because of one principle:

Hot things transfer heat to cold things.

In a building, this happens a few times:

  1. Your muscles and organs (37°C) heat your skin (36°C) in your body.
  2. Your skin (36°C) heats the supply air (18°C) from your air-conditioning, making return air (28°C).
  3. The return air (28°C) heats a chilled water supply (7°C) in the aircon unit to a chilled water return (12°C) .
  4. The chilled water (12°C) heats a very cold refrigerant (5°C) in the chiller’s evaporator, to 6°C.
  5. The refrigerant is compressed (6°C -> 50°C) into a high pressure vapor in the chiller’s compressor.
  6. The hot refrigerant (50°C) heats condenser water (30°C) in the chiller’s condenser to 35°C.
  7. The condenser water (35°C) heats the ambient air (29°C) in the cooling tower…
  8. … which is where all our heat goes! The ambient. The sky. The outside.

Is this bad for the environment?

Technically, without air conditioning, we would walk around heating the air anyway.

What these machines do is essentially increasing the gradient between hot and cold.

That’s no problem, right?

The thing is, not all machines are efficient – they produce their own heat while working.

Due to inefficiency!

And the energy they consume from power plants.. requires more heat to generate too! Ideally, 100% of the electricity we supply to machines is converted into the useful work we use the machines for. However, some of this heat is inevitably converted to heat and sound produced by friction between mechanical parts and electrical resistance.

The more machinery we run to operate an air-conditioning system, the more heat is generated in the world. Sounds kinda funny, but we don’t really feel the effects of this when we’re chilling indoors!

On to the machines themselves!

1. The Air Cycle (Air Handling Units)

  • Humans do stuff. Their muscles and organs get warm, and this heat is transferred to their skin, which is transferred to the air around their skin.
  • This hot membrane of air transfers heat all over the air! Hotter air particles have more kinetic energy, and jiggle faster than their cold neighbouring particles. These hotter particles rise above their inactive neighbours who remain relatively still (AKA Meritocracy). At the ceiling of a room, a fan sucks in these hotties, blowing them past a very cold chilled water coil inside an Air Handling Unit (AHU). This coil’s water is at about 7°C. That’s cold!
  • The hot jiggly particles collide against this coil, losing their jiggliness to the coil surface. The cold water inside the coil takes gets heated from 7°C to 12°C. Meanwhile, the air is cooled from ~28°C to about 18°C. The resulting average room temperature is somewhere around 24°C, which is the temperature your thermostat tries to maintain.
  • The cycle repeats. Cold air hits human, human heats air, hot air heats water, hot air becomes cold. Ugga bugga.

2. The Water Loop

  • Chilled water just took some heat, and needs to drop it quickly. It flows through the Chilled Water Return pipes to the chiller plant, where it will be cooled back to 7°C again, by the chiller.
  • Chillers have a simple function – Make chilled water cold again.
  • They do this by passing the 12°C water through super-cold refrigerant fluid, which is about 5°C in the evaporator.
  • After the 12°C water transfers its heat to the refrigerant, it leaves the chiller at 7°C, on its merry way back to the AHUs.

3. The Refrigerant Loop

  • Air passed heat to water. Water passed heat to refrigerant. Refrigerants are fluids with ideal properties for containing and releasing energy rapidly, but I’ll be skipping those details for now (low boiling temperature! Rapid phase-change material!),but in summary is a fluid that can be very cold at room temperature. This enables it to be the ‘colder thing’ which the already-very-cold 12°C water can give its heat to.
  • Once the refrigerant takes this heat, it is compressed into a hot, high-pressure vapor, which enables it to now be the ‘hot thing’ to transfer heat to another water loop, the condensor water loop.

The whole operation of a chiller looks like this:

Which I hope makes sense of this!

4. The Condenser Water Loop – Throwing it all out

  • In the chiller’s condenser, hot refrigerant now passes its heat to water (Yes, a separate circuit). This water goes to a cooling tower, those huge grilled-boxes you see on top of many buildings in Singapore.
cooling tower vs. chiller – cooling towers on roof
Source: waterchillers.com
  • Cooling towers do exactly what you do to cool soup – blow air over it. The hot water is trickled down the serrated walls of metal, and air is sucked through these walls by a huge fan in the centre of the box’s ceiling.
  • The water that collects at the bottom is at about outdoor temperature, where it is pumped back to the chiller to be heated again.
  • This stage is called Heat Rejection, the final stage of any air conditioning cycle. It is where the heat of hundreds of warm humans is amalgamated and tossed back out into the air, where it is more easily forgotten.

Is this all necessary?

We’ve all suffered the heat here – air-con definitely makes it feel better. While I don’t have air-conditioning at home, I seem to survive quite well with fans. Even a cool breeze outdoors on a sunny day makes me feel comfortable enough to forget the humidity.

I’m not so sure what the best way is – what do you think?

Is it too much for some comfort?

The Big List of GrabPoints 2 – How Much Are Grab Rewards Worth? (Updated June 2021)

Got too many Grabrewards points?

Aiyo.

If you’ve been buying grabdeliveries during the COVID-19 Heightened Alert, or work somewhere really far from home, it might be worth checking the rewards in your Grab account!

It’s a real pain to decide what to use them on, though. Way too many options to scroll through on a phone.

I don’t want to view them on a small rectange!

Like any Singaporean, I’m looking for the best bang for my buck.

And like any engineer, I made a big excel sheet for it.

But of course.

The list is huge! Some interesting facts:

  • The largest categories were Shopping (63 items), Food & Beverage (31 items) and Services (21 items).
  • The average points/$ was 355.6 points per $. In other words, every 10,000 points would be worth about $28.
  • The most worthwhile item (ignoring lucky draws and free lounge passes) were the 70% off Spa Rael reward for 5000 points.

Check out the tables below for the top 5 Rewards for each category. I sorted them by Points per SGD – the fewer points/SGD needed, the more value you can squeeze out of your Grabrewards points!

Kudos to this post from milelion! I used his 1.8c/mile to evaluate the KrisFlyer miles.

I hope you found this helpful.

You can download the sheet here!

Cheers.

How Much Floor Area Do You Need?

HDB Floorplans

We all face Choice Overload. In Singapore, house options have thousands of sizes and styles and prices – which one do you choose?

On top of the ~80,000 houses available, 1600+ renovators are available. There are hundreds of millions of possibilities.

How to decide sial.

I find it helpful to list your minimum requirements. Specifically, the things you need a house for.

If I lived alone, my house would be for:

  • Reading/Drawing/Tablework
  • Exercise
  • Cooking/Baking
  • Sleeping

For this bare-bones existence, I’d need a…

  • Desk+Chair
  • Empty space
  • Oven
  • Fridge
  • Bed
  • Wardrobe
  • Washroom

And that would look like:

I added a window. I need.

This box is about 12 square meters, or 130 square feet.

So now that I know I need 12sqm, browsing property sites is a little less scary. Looking at typical HDB sizes, even the humblest of flats is enough:

  • 1 Room / Studio: 36 sqm / 388sqft
  • 2 Room HDB: 45sqm / 484sqft
  • 3 Room HDB: 65sqm / 700sqft
  • 4 Room HDB: 95sqm / 1023sqft
  • 5 Room HDB: 115sqm / 1238sqft

What about couples? The budget life is hardly glamorous, but nonetheless the mental exercise of defining your minimum requirements (perhaps with a woke spouse) makes navigating the ocean of buy/rent options a little easier.

Budgetbox v2 is about 16 square meters, or 177 square feet. Amazingly, a 1-room HDB is still larger.

Knowing the minimum size for a liveable room gives us mental building blocks to imagine greater needs – how much space do you need if you wanted:

  • A child’s bedroom? (e.g. 16sqm + 12sqm = 24sqm) (< 1room HDB)
  • A livingroom? (e.g. 16sqm + 8sqm = 24sqm) (< 1room HDB)
  • Housing 3 children? (e.g. 16sqm + 12sqm + 12sqm + 12sqm = 52sqm) ( 2-3 room HDB)
  • etc.

Adding the building blocks is a simple guideline. However, with multiple people, amenities like kitchens, desks and washrooms can be shared for further economy.

You can add literal blocks to get a picture of the minimum floor space needed:

Nice big livingroom.
Kids room < Couples’ room size, of course.
These lucky kids get a room each.

Your mileage may vary – you might need a balcony, or decide you don’t need a big livingroom, or want some separate dining areas etc as a minimum. Nonetheless, here’s a summary of the experiments above for reference:

I personally would like some spoils in the house like a balcony, a garden, a rooftop view etc. But if I can’t find these spoils, at least I know what my minimum requirements are, and whether they’re met. I hope this experiment brings some comfort to your decisions too.

I’d love to hear your feedback! Do you think I:

  • Missed any points out?
  • Should do a clear explanation on any bits?
  • Could go deeper in certain areas?

You can let me know your feedback in the comments, I’d love to hear suggestions to make these mental tools more useful.

Happy house hunting, cheers.

Buy or Rent? A Look Into The Multiple Timelines of Your Life

Imagine you died.

A timeline of years of life.
100 is #goals.

Looking back on your timeline, how many houses did you live in?

Most of us think of:

A timeline of houses lived within one life.
Just three homes!

If you live outside of Singapore, where houses are cheaper, maybe more of a:

I base these on countries like Canada or the States, where housing is a little cheaper than Singapore. Certainly helps to widen the variety of options in one lifespan.

For the lucky bunch of us who need less variety and pretty much know what they want, the options are simpler:

#buyitforlife

In these fantasies, the first house you buy is the last house you buy.

gasp

Assuming you can confidently live by yourself/yourselves, you know what house you (and your spouse) want to live in, age in, kidz in, retire in and expire in.

If you can’t afford a loan yet, rentals might be a waste of the savings+investments you’re building to afford buying this One Home.

So in conclusion…

If you crave less variety and have researched enough to have high certainty in the house you want, save up to buy.

Of course, if you have the luxury of being in a multi-generational flat, and are comfortable living with parents, you may not have to worry about buying at all. This might seem outlandish if you subscribe to the idea of independent living, but 3Gen flats are still a thing here.

I’ve met adults with children who live in the same flat as their parents, who have no intention to move out. It’s not for everyone, and it’s not for me, but I can see how 3Gen flats are a supremely convenient, secure and frugal choice.

Sound boring?

To some, staying in the same box for 10-20 years gnaws at the soul. Comfortable routines and neighbours may be valuable to some, but life can look short. The world, your oyster, is ever ripe for the picking (well, opening). (tasting?)

What tempers variety is children and affordability.

Children

Children of parents who travel a lot don’t recount a great experience (Check out this Reddit and this Quora). While moving is exciting and makes your kids super-adaptors, it’s hard to build lasting relationships with friends who you’re ripped away from after years of bonding. LDRs are hard enough.

Super Adaptor

My advice to variety seekers who also want kids is to go forth and move to a new setting/view/style, but relocate near the same schools and amenities to help your children grow some deeper social roots in a community. Most friendships take years to form, developing the ability to maintain long relationships later in life. See the Reddit and Quora links above for more perspectives about this!

For readers who don’t want kids, its a lot easier to move houses frequently, as long as it makes economic sense to you. Which brings us to…

Affordability

Looking long term and buying a dream home for your 60-year old self can be tough for your cash!

If you’re looking to buy, say, a landed property for your retirement higher than 1000sqft (approximately a 4-room HDB flat, or 27 king-sized mattresses), most of those will cost you upwards of $800,000 SGD.

Click here to see how many mattresses you can fit into other HDB-sized floorplans.

Take this scenario:

Comparison of Rent and Taking a Loan

If you took an $800,000 loan for 35 years at a fixed interest of 2.6% (rates are lower now but it’s a good average), your future selves woulda paid $1,183,692 in total – 150% more than the initial loan amount. Renting 5 increasingly expensive different places over the same 35 years could save you $108,492.

$100,000+ That might look measly in a conversation about real estate prices, but if you put that sum to investments you could be saving much more than you think!

So buy or rent?

My personal opinion is that if you haven’t tried living in your own place yet, the experience is absolutely worth it (The woke salaryman covered this pretty well). If you are just trying things out first, go for a rental and go low until you learn what you really want. Renting provides the flexibility of GTFO-ing when you’ve had enough of one place.

The kueh lapis strategy. Try a lot, learn, then decide.

Otherwise, jumping into a multi-year commitment to pay a monthly mortgage can be stressful if you:

  • Are unsure of what house you want for the next 30 years
  • Don’t have career stability (mortgage payments are harder to get out of than rents)
  • Don’t have enough savings to bolster 6-12 months of expenses on a rainy day!

However, once you’ve figured out what you want, and can afford a loan to get it, and have enough savings to buffer a year of low/no revenue, I think that buying is a legit option.

I approach the Buy vs Rent question like a buffet.

A Buffet.
A Buffet.

At a buffet, I’m faced with 20 options at the table.

In plate 1, I sample a small part of each food on the menu.

Some food sucks. I take note and avoid it in plate 2.

Some food is not bad. I will add it to plate 2 just to double-check if I love it or not.

Some food is MUST HAVE. Smoked salmon. Eclairs. The good stuff. These go in plate 1, 2, 3, 4 and probably be part of my last bite.

By plate 3 or 4, I already have my faves down, and don’t bother with the weak options which were in plate 1. For the notbads, I’ve decided whether or not they should be dontneeds or musthaves. Applying this to housing choices, it’s like knowing what your core wants are over time, and what things are just fluff. (Do you really need that lawn?)

Before I pick a home I gotta payfor+stayin for 30 years, I sample the whole menu to figure out what I like and don’t like, lowering the risk that my eventual choice is one I grow tired of after 15 years.

I can’t speak for what the 70-year old me might want, as tastes change, but I intend to make his decisions easier by properly planning how I spend my money today.

I hope this post helps you in your own path. Let me know if there’s..

-Anything I missed out

-Any clear explanations you like

-Anything I coulda covered better

I’d love to hear your feedback! You can post in the comments to let me know. Cheers.

The Ultimate Singapore Kopi O Kosong Peng Comparison Table

I dislike bubble tea.

Haters gonna hate.

Coffee tho. I’m a coffee guy. There’s something about the taste of black kopi (o kosong peng) that gets diluted with milk n sugar. That strong, bitter taste is rocket fuel to start the day.

Rocket Fuel

In my last post, I showed you how saving $3.60 on coffee could save you $10,000 at 35. The list of coffee prices was rough, so I thought I would get more specific and list all the prices of Singapore’s popular coffee spots.

I make these things to budget my life better. I hope you find em useful too.

Let’s start with cold coffee!

Note: Coffee bean only has one cold brew size, compared to Starbucks’ three.

ALSO, you can see that the maximum savings you can get is $5.50 a day on cold, black (heartless) coffee. According to my calculator (you can download it here), that’d save me $15,467 at 35.

$15,467 saved!

I thought it would also be interesting to list the prices for hot black coffee, which would eventually show us the price of ice after a quick subtraction.

The most you could save here is a comparable $5.3. Of course, a kopi o kosong is not the same as a Large from Coffee Bean. You might have to drink a little less coffee a day to make those savings. Ask yourself how much caffeine you really need.

Thought it would help to compile em all in a big graph too:

An awesome graph of coffee prices in Singapore.
Boomz.

Aaaand ice price!

Interesting to see the increase in markup on ice for smaller vendors. That extra 20c-$1.30 would amount to an extra $562 – $3,656 at 35.

I hope you found these tables and charts useful. I’ll be adding more coffee prices here as I see them, and the next topic will be on something close to heart – cookies.

<3

If you want updates for new posts, you can subscribe here:

Cheers!

The Lifetime Savings Calculator: Which kopi will save you $10,000 at 35?

I love iced black coffee! (sans the sugar.)

Living a short walk from the local shopping mall and hawker centre, my mornings could involve a kopi o kosong peng or an iced americano. Sometimes I grind & press coffee beans at home, so… aiyoh, daily trilemma. But alas, variety is the spice of life.

Being a me, I had to list the options.

  • Kopi O Kosong Peng: $1.40
  • Kopi O Kosong Peng (Marked up): $3.00
  • Iced Americano: $5.00
  • Cold Brew: $5.80
  • Homemade: $2.00

Note on the Homemade: This will depend on your beans; I use 35g of beans a cup, so a 250g bag at $14 = seven cups at $1.96 each.

Look at the difference between an americano ($5) and kopi o kosong peng – you could be saving $3.60 a day!

What would this mean in a year? Or 5 years?

The answer is complicated – interest rates, inflation and options to invest need consideration.

Luckily for you,

Excel kung fu strong.

So before we get into the sheet [free download at the end of this post] let me unpack these basics:

Interest Rates

For money saved in the bank, interest rates determine how much your saved money grows over time, or the amount that banks pay you to keep your money in their account. They would then use your money to lend borrowers and charge them that interest.

Moneysmart’s already compiled a nice, updated list of Singapore interest rates to refer to, but for the sake of this post I’ll assume a value of 1%. This means my saved money today would grow by 1% per annum over the years.

Inflation Rates

Eroder of savings. Eater of worlds. Inflation is probably the number 1 reason to invest your money, and also why my iced kopi costs $1.40 instead of $0.90 like it used to back in school.

Inflation is the rate of increase of prices of stuff (goods and services la) over time. Inflation has many causes – higher costs of stuff-production, higher wages of stuff-makers (shame on your payraise), higher demand for stuff (e.g. when people in developing citiers can afford higher standards of living) and government policies are the usual suspects.

What’s Singapore’s inflation rate? Most sources use the Consumer Price Index (CPI), which tracks the change in price of commonly purchased goods and services, including housing and transportation.

For this post, however, I’ll be using the MAS Core Inflation, which excludes fluctuations in housing and transport. More info here!

Source: mti.gov.sg

To be a little conservative, let’s go with a fixed inflation rate of 2% per annum.

Investment

A popular topic – this could bloat up a post real quick. However, it’ll be good to illustrate just what can happen without investment, so I’m going to assume an investment growth rate of 0%. Keke.

Here we go.

Savings between Iced Americano ($5.00) to Kopi O Kosong peng ($1.40) = $3.60

Saving $3.60 a day means $1,310 a year! That may not look like much, and indeed $1,310 saved in the bank (earning interest) will only have the spending power of $1,221 in 7 years.

Summing up the accumulated years of savings, 7 years of disciplined cheap coffee drinking would result in an extra $10,124 in my bank account.

If I invested those savings, say, in CPF top-ups with a guaranteed rate of 4%…

$1,310 saved this year would no longer be worth less next year, but more. Specifically, the growth percentage would look like this:

Growth of Savings = Interest Rate – Inflation + Investment Growth

= 1% – 2% + 4%

= 2%

Measly. But much better than the -1% you would be “earning” if you let your money lose to inflation in the bank.

I hope you enjoyed this breakdown of savings – let me know if there’s any

-Improvements I can make

-Clear explanations you’d like for certain pointers

-Other stuff you think I missed out

I’d love to hear them! You can post in the comments if you like.

Download of the sheet used above:

Have fun!

P.S. If you want updates on these posts, let me know by subscribing below. Cheersies.

Choosing Your House by Floor Area – What does a Sqft and a Sqm Look like?

I’m the typical 20+ year old nearing my thirties – checking out housing options in Singapore, itching to move out of home. Inspired by talks with peers and this post from The Woke Salaryman, it’s now a habit to check out Propertyguru, 99.co and SRX from time to time get a sense of the real estate here.

Photos give me a clear picture of what living in the place will be like.

Price tells me how much I’d be sacrificing monthly on a mortgage or rent.

Floor Area … doesn’t ring any intuitive bells. I can’t ‘feel’ what a 45sqm studio or a 700sqft HDB flat looks like.

So I thought it would be helpful to feed my intuition by starting with relatable lego blocks, then scaling them up to fit some common floorplans in Singapore. Hopefully this helps you too!

The Basics

A Square Meter (sqm) is a unit of area (Length x Width) defined as the area of a 1m x 1m square.

In imperial units, the same square would be 10.76sqft.

1m = 3.28ft

1sqm = 1m x 1m = 3.28ft x 3.28ft = 10.76sqft

Intuitive lego block 1: mattresses!

Queen size is veh lucky.

In a nutshell,

  • Super Single beds ≈ 2sqm
  • Queens ≈ 3sqm
  • Kings ≈ 3.5sqm

On to the houses!

Singapore’s housing sizes change over time, so I used the amazing Teoalida’s research to narrow down a rough floor area size for 5 types of flat:

  • 1 Room / Studio: 36 sqm / 388sqft
  • 2 Room HDB: 45sqm / 484sqft
  • 3 Room HDB: 65sqm / 700sqft
  • 4 Room HDB: 95sqm / 1023sqft
  • 5 Room HDB: 115sqm / 1238sqft

Immediately, before going into pictures, we can divide these by mattresses to get a rough sense of their size:

  • 1 Room / Studios: ~10 Kings + 1 Super Single (36.6sqm/394sqft)
  • 2 Room HDB: ~13 Kings (44.95sqm/483.9sqft)
  • 3 Room HDB: ~18 Kings + 1 Queen (65.13sqm/701.1sqft)
  • 4 Room HDB: ~27 Kings + 1 Super Single (93.95sqm/1011.3sqft)
  • 5 Room HDB: ~33 Kings + 2 Super Singles (115.29sqm/1240.9sqft)

And now, some graphics.

For this one, I think it helps to simply think of 35 sqm as 10 king sized beds.

Roughly 3 more kingbeds equate to 9 more sqm!

Things start to get huge for the 3-rooms, the main difference being the twinning of the bathrooms and the bedrooms. Here, its easiest to think of it as 65sqm ≃ 700sqft ≃ 18 King beds.

With an additional bedroom and extension of the livingroom space, the 4-roomer is about 1000sqft, which is roughly 27 king-sized beds.

For the luxurious 5-room flat, the living room gets an extra space in this project, which is roughly 115sqm, about 33 King beds plus 2 Super Singles.

Hope the pictures above and the lists help you visualise floor areas for your own home searching! if you have suggestions or comments to make this more helpful, type them to me in the comments or contact page. Cheers!

The Big List of Grab Rewards – Compiling the points per dollar.

I’m a project engineer and we do late nights sometimes!

While I’m not a cab guy (Public Transport is a no-brainer here!) (If you’re childless) (And don’t work in Jurong Island), the chains of late nights have a glorious hidden benefit – racking up them Grab Rewards perks. (Not sponsored, chill.)

I’ll get right to it: I sheeted all rewards I could see on my app, added their equivalent value and calculated the points/SGD for each one.

What the points/SGD column means: Lower is better. It means you can use up fewer points to get back a dollar.

The categories listed on the app are Entertainment, F&B, Grab, Limited Edition, Services, Travel and Shopping. Here goes:

So which one is the ‘most‘ worth it?

To find this, look for the lowest points/SGD item in each table. This means that you are getting the most SGD you can get from each point used.

The overall lowest points/SGD here (i.e. best deal!) is the yogofi 20% off monthly wifi voucher at 7.8 points spent per SGD.

In second place is the 80% discount of PHS Hair Science’s scalp treatment service, at 21.1 points spent for each SDS redeemed.

In third is the $30 voucher for Earnest & Collective for men’s shoes. Again, quite a niche audience, but a very worthy 133.3 points per SGD redeemed!

Important note: There’s no clear ‘best’, really, because of the “% off”-type rewards you can redeem.

Technically, if you redeem a %-off-type voucher, the amount of SGD you save is endless because it scales with the total amount spent. Also, with rewards like Yogofi’s unlimited monthly wifi, I maxed out the value by putting in the most expensive daily plan ($12.90/day for Middle East, Egypt, Reunion, South Africa), so your mileage may vary!

Did I miss anything? How can I improve this next time? Let me know what you think (comments section below). Cheers!

Sources for Value column:

RewardProviderPointsValue (SGD)Points/SGDCategorySource
$25 lounge passAmbassador Transit Lounge0$340.0Travel
$30 lounge passBlossom Lounge0$280.0Travel
$30 lounge passPlaza Premium Lounge0$250.0Travel
20% off Unlimited Monthly WifiYogofi600$777.8Travelhttps://www.yogofi.com/price-plans/
80% off Scalp Repair TreatmentPHS Hair Science4500$21421.1Serviceshttps://www.phshairscience.com/signature-services/advance-scalp-repair-treatment/
$30 voucherEarnest Collective4000$30133.3Shopping
$5 off per personAmazing Chambers Singapura1200$5240.0Entertainment
$5 off per personTrapped Real Escape Room1200$5240.0Entertainment
$5 voucherHologate1250$5250.0Entertainment
$5 voucherM-BarSG Mini KTV1250$5250.0Entertainment
$5 voucherGrain1250$5250.0Food & Beverage
$5 voucherBakening1250$5250.0Food & Beverage
$5 voucherThe Black Hole Group1250$5250.0Food & Beverage
$5 voucherHard Rock Café1250$5250.0Food & Beverage
$5 off StashawayStashaway1250$5250.0Services
$5 voucherLove, Bonito1250$5250.0Shopping
4 months of movie subscriptionCATCHPLAY+10000$40252.5Entertainmenthttps://www.catchplay.com/sg/plan-intro
$5 voucherNational Geographic1300$5260.0Shopping
JBL Pulse 3JBL89000$339262.5Limited Editionhttps://www.lazada.sg/products/jbl-pulse-3-portable-bluetooth-speaker-i127775357.html
$15 voucherZairyo4000$15266.7Shopping
CK550 Gaming KeyboardCooler Master48000$129372.1Limited Editionhttps://www.qoo10.sg/item/COOLER-MASTER-CK550-RGB-GATERON-BROWN-MECHANICAL-GAMING-KEYBOARD/655940002?__currency=SGD&jaehuid=2026424398&gclid=CjwKCAjwkPX0BRBKEiwA7THxiGCjfBy0NXM57h_KnuzRXz3ryURYaC0NuI8MqLAAk_vhDxlKNzBoghoC2lQQAvD_BwE
1 XXL Crispy ChickenShihlin Taiwan Street Snacks2450$6379.8Food & Beveragehttps://deliveroo.com.sg/menu/singapore/orchard/shihlin-taiwan-street-snacks-far-east-plaza
$10 offJBL3800$10380.0Shopping
$5 voucherNaiise1900$5380.0Shopping
$5 voucherUdders Ice Cream1925$5385.0Food & Beverage
$5 voucherSaladStop!1925$5385.0Food & Beverage
$5 offJBL1925$5385.0Shopping
MW07 PLUS True WirelessMaster & Dynamic181000$469385.9Limited Editionhttps://www.stereo.com.sg/master-dynamic-mw07-plus-noise-cancelling-true-wireless-earphones.html
G502 HERO Gaming MouseLogitech50000$129387.6Limited Editionhttps://www.logitechg.com/en-sg/products/gaming-mice/g502-hero-gaming-mouse.910-005472.html
MW07 GO True WirelessMaster & Dynamic118000$299394.6Limited Editionhttps://www.lazada.sg/products/master-dynamic-mw07-go-true-wireless-earphones-i509044423-s1418430599.html?exlaz=d_1:mm_150050845_51350205_2010350205::12:1025267241!54483208270!!!pla-297963845945!c!297963845945!1418430599!117709803&gclid=CjwKCAjwkPX0BRBKEiwA7THxiBwGbasLSjq-_iv5FhgvvFdPRkvwK_EmoGhaXO48grtGZNXCvvIh1BoCBqMQAvD_BwE
$10 voucherIUIGA4500$10450.0Shopping
Wonderboom 2 wireless speakerUltimate Ears60000$126476.2Limited Editionhttps://www.google.com/aclk?sa=L&ai=DChcSEwi57MPyn_joAhUaDisKHbrsBggYABADGgJzZg&sig=AOD64_3ctpGGipJSAqqkbuM2adwFe41jng&ctype=5&q=&ved=2ahUKEwi-n7vyn_joAhXWbCsKHZZAAuYQ9aACegQIDRA1&adurl=
JBL Flip 3 StealthJBL42000$85494.1Limited Editionhttps://www.harveynorman.com.sg/tv-and-audio/sound-systems/portable-speakers/jbl-spk-flip-3-stealth.html
Razer Gold $10Razer Gold5000$10500.0Entertainment
$3 voucherStarbucks1500$3500.0Food & Beverage
$5 offAwfully Chocolate2500$5500.0Food & Beverage
$5 voucherBURGER KING2500$5500.0Food & Beverage
$5 voucherBreadTalk2500$5500.0Food & Beverage
$10 voucherParadise Group5000$10500.0Food & Beverage
$5 voucherSwensen’s2500$5500.0Food & Beverage
$5 voucherToast Box2500$5500.0Food & Beverage
$5 off a Grab ride!Grab2500$5500.0Grab
$10 off a Grab ride!Grab5000$10500.0Grab
$5 off your GrabFood order!Grab2500$5500.0Grab
$10 off your GrabFood order!Grab5000$10500.0Grab
$5 off your GrabExpress deliveryGrab2500$5500.0Grab
$10 off your GrabExpress deliveryGrab5000$10500.0Grab
$5 offCold Storage2500$5500.0Shopping
$5 voucherFairPrice2500$5500.0Shopping
$5 offQoo102500$5500.0Shopping
$10 voucherLazada Singapore5000$10500.0Shopping
$20 voucherRedMart10000$20500.0Shopping
5000 STAR$CapitaStar2500$5500.0Shoppinghttps://www.capitastar.com/sg/en/about-capitastar/faq/star-accumulation-and-expiry.html#accordion-c9859c25-e54c-4e2d-bc22-b5e60dcdc170-page_layout-primary-accordion-2
$20 voucherLazada Singapore10000$20500.0Shopping
$50 voucherLazada Singapore25000$50500.0Shopping
$30 voucherLazada Singapore15000$30500.0Shopping
$5 voucherSephora2500$5500.0Shopping
$10 voucherSephora5000$10500.0Shopping
$5 voucherFOX Kids & Baby2500$5500.0Shopping
Apple AirPods ProApple190000$379501.3Limited Editionhttps://www.apple.com/sg/shop/product/MWP22ZA/A/airpods-pro
100 ALL PointsALL – Accor Live Limitless1600$3518.3Travelhttps://all.accor.com/gb/loyalty-program/use/booking-with-points.shtml
JBL Tune 120TWSJBL53000$99535.4Limited Editionhttps://www.harveynorman.com.sg/tv-and-audio/headphones-en/wireless-headphones-en/jbl-true-wireless-earbuds-tune-120-pnk.html
$1 off a Grab ride!Grab550$1550.0Grab
$1 off your GrabFood order!Grab550$1550.0Grab
$1 off your GrabExpress deliveryGrab550$1550.0Grab
ECOVACS DEEBOT OZMO 920Ecovacs275000$499551.1Limited Editionhttps://www.lazada.sg/products/ecovacs-ozmo-920-robot-vacuum-cleaner-with-smart-navi-30-ozmo-mopping-technology-auto-boost-suction-powerlocal-shipping1-year-local-warranty-i584910234-s1680862007.html?exlaz=d_1:mm_150050845_51350205_2010350205::12:1025267241!54483208270!!!pla-297963845945!c!297963845945!1680862007!142666802&gclid=CjwKCAjwkPX0BRBKEiwA7THxiBYAP3Bbn6g77tPxVbxTaLARYuqTXHl2-6sbAxNUWWK03ppOOtM5txoCKV0QAvD_BwE
500 KrisFlyer MilesKrisFlyer5000$9555.6Travelhttps://milelion.com/2019/06/14/how-much-is-a-krisflyer-mile-worth/
1000 KrisFlyer MilesKrisFlyer10000$18555.6Travelhttps://milelion.com/2019/06/14/how-much-is-a-krisflyer-mile-worth/
50 KrisFlyer MilesKrisFlyer500$1555.6Travelhttps://milelion.com/2019/06/14/how-much-is-a-krisflyer-mile-worth/
100 KrisFlyer MilesKrisFlyer1000$2555.6Travelhttps://milelion.com/2019/06/14/how-much-is-a-krisflyer-mile-worth/
FIFA 20 1,600 FIFA POINTSEA SPORTS FIFA 2012500$22568.2Entertainmenthttps://www.origin.com/sgp/en-us/store/fifa/fifa-20/currency
Nintento Switch consoleNintendo240000$399601.5Limited Editionhttps://shopee.sg/Nintendo-Switch-Console-%2B-1-Random-Game–First-Generation–i.12852945.691055692?gclid=CjwKCAjwkPX0BRBKEiwA7THxiINATqOg4DhHt4rOFVujXvKoBLCEbuVGNbHEeARmXfBasW9H2wrKRRoCKAUQAvD_BwE
Apple Watch Nike Series 5Apple400000$599667.8Limited Editionhttps://www.apple.com/sg/shop/buy-watch/apple-watch-nike
iPhone 11 Pro 64GBApple825000$999825.8Limited Editionhttps://www.apple.com/shop/buy-iphone/iphone-11-pro/5.8-inch-display-64gb-midnight-green-unlocked
500 LinkPointsPlus! Rewards Programme2900$3870.0Shoppinghttps://plus.com.sg/member/how-to-redeem
1 Free GiftRoses Only2000Limited Edition
70% offAdeva Spa5000Services
70% offSpa Rael5000Services
35% off 1 supplementGNC3000Shopping
20% offFlowerAdvisor1200Shopping
Upgrade to Genius userBooking.com0Travel
20% discountCentral Thai0Travel
20% discountHudsons Coffee0Travel
20% discountPret A Manger0Travel
20% discountStraits Food Village0Travel
20% discountTanuki Raw Express0Travel
20% discountTGM0Travel
20% discountThe Kitchen by Wolfgang Puck0Travel
20% discountThe World is Flat0Travel
20% discountTiger Den0Travel
20% discount4Fingers Crispy Chicken0Travel
15% discountColonial Club0Travel
15% discountChutney Mary0Travel
15% discountHong Kong Sheng Kee Dessert0Travel
15% discountKaveri Vegetarian Cuisine0Travel
15% discountNiigata Bento0Travel
15% discountPappamia0Travel
10% discountCrystal Jade0Travel
10% discountInternational Food Hall0Travel
10% discountSingapore Food Street0Travel
RewardProviderPointsValue (SGD)Points/SGDCategorySource
$25 lounge passAmbassador Transit Lounge0$250.00Travel
$30 lounge passBlossom Lounge0$300.00Travel
$30 lounge passPlaza Premium Lounge0$300.00Travel
20% off Unlimited Monthly WifiYogofi600$777.75Travelhttps://www.yogofi.com/price-plans/
80% off Scalp Repair TreatmentPHS Hair Science4500$21421.07Serviceshttps://www.phshairscience.com/signature-services/advance-scalp-repair-treatment/
$30 voucherEarnest Collective4000$30133.33Shopping
$5 off per personAmazing Chambers Singapura1200$5240.00Entertainment
$5 off per personTrapped Real Escape Room1200$5240.00Entertainment
$5 voucherLove, Bonito1250$5250.00Shopping
$5 voucherHologate1250$5250.00Entertainment
$5 voucherGrain1250$5250.00Food & Beverage
$5 voucherBakening1250$5250.00Food & Beverage
$5 voucherThe Black Hole Group1250$5250.00Food & Beverage
$5 voucherM-BarSG Mini KTV1250$5250.00Entertainment
$5 voucherHard Rock Café1250$5250.00Food & Beverage
$5 off StashawayStashaway1250$5250.00Services
4 months of movie subscriptionCATCHPLAY+10000$40252.53Entertainmenthttps://www.catchplay.com/sg/plan-intro
$5 voucherNational Geographic1300$5260.00Shopping
JBL Pulse 3JBL89000$339262.54Limited Editionhttps://www.lazada.sg/products/jbl-pulse-3-portable-bluetooth-speaker-i127775357.html
$15 voucherZairyo4000$15266.67Shopping
CK550 Gaming KeyboardCooler Master48000$129372.09Limited Editionhttps://www.qoo10.sg/item/COOLER-MASTER-CK550-RGB-GATERON-BROWN-MECHANICAL-GAMING-KEYBOARD/655940002?__currency=SGD&jaehuid=2026424398&gclid=CjwKCAjwkPX0BRBKEiwA7THxiGCjfBy0NXM57h_KnuzRXz3ryURYaC0NuI8MqLAAk_vhDxlKNzBoghoC2lQQAvD_BwE
1 XXL Crispy ChickenShihlin Taiwan Street Snacks2450$6379.84Food & Beveragehttps://deliveroo.com.sg/menu/singapore/orchard/shihlin-taiwan-street-snacks-far-east-plaza
$10 offJBL3800$10380.00Shopping
$5 voucherNaiise1900$5380.00Shopping
$5 offJBL1925$5385.00Shopping
$5 voucherUdders Ice Cream1925$5385.00Food & Beverage
$5 voucherSaladStop!1925$5385.00Food & Beverage
MW07 PLUS True WirelessMaster & Dynamic181000$469385.93Limited Editionhttps://www.stereo.com.sg/master-dynamic-mw07-plus-noise-cancelling-true-wireless-earphones.html
G502 HERO Gaming MouseLogitech50000$129387.60Limited Editionhttps://www.logitechg.com/en-sg/products/gaming-mice/g502-hero-gaming-mouse.910-005472.html
MW07 GO True WirelessMaster & Dynamic118000$299394.65Limited Editionhttps://www.lazada.sg/products/master-dynamic-mw07-go-true-wireless-earphones-i509044423-s1418430599.html?exlaz=d_1:mm_150050845_51350205_2010350205::12:1025267241!54483208270!!!pla-297963845945!c!297963845945!1418430599!117709803&gclid=CjwKCAjwkPX0BRBKEiwA7THxiBwGbasLSjq-_iv5FhgvvFdPRkvwK_EmoGhaXO48grtGZNXCvvIh1BoCBqMQAvD_BwE
$10 voucherIUIGA4500$10450.00Shopping
Wonderboom 2 wireless speakerUltimate Ears60000$126476.19Limited Editionhttps://www.google.com/aclk?sa=L&ai=DChcSEwi57MPyn_joAhUaDisKHbrsBggYABADGgJzZg&sig=AOD64_3ctpGGipJSAqqkbuM2adwFe41jng&ctype=5&q=&ved=2ahUKEwi-n7vyn_joAhXWbCsKHZZAAuYQ9aACegQIDRA1&adurl=
JBL Flip 3 StealthJBL42000$85494.12Limited Editionhttps://www.harveynorman.com.sg/tv-and-audio/sound-systems/portable-speakers/jbl-spk-flip-3-stealth.html
$5 offCold Storage2500$5500.00Shopping
$5 voucherFairPrice2500$5500.00Shopping
$5 offQoo102500$5500.00Shopping
$10 voucherLazada Singapore5000$10500.00Shopping
Razer Gold $10Razer Gold5000$10500.00Entertainment
$20 voucherRedMart10000$20500.00Shopping
5000 STAR$CapitaStar2500$5500.00Shoppinghttps://www.capitastar.com/sg/en/about-capitastar/faq/star-accumulation-and-expiry.html#accordion-c9859c25-e54c-4e2d-bc22-b5e60dcdc170-page_layout-primary-accordion-2
$20 voucherLazada Singapore10000$20500.00Shopping
$50 voucherLazada Singapore25000$50500.00Shopping
$30 voucherLazada Singapore15000$30500.00Shopping
$5 voucherSephora2500$5500.00Shopping
$10 voucherSephora5000$10500.00Shopping
$5 voucherFOX Kids & Baby2500$5500.00Shopping
$3 voucherStarbucks1500$3500.00Food & Beverage
$5 offAwfully Chocolate2500$5500.00Food & Beverage
$5 voucherBURGER KING2500$5500.00Food & Beverage
$5 voucherBreadTalk2500$5500.00Food & Beverage
$10 voucherParadise Group5000$10500.00Food & Beverage
$5 voucherSwensen’s2500$5500.00Food & Beverage
$5 voucherToast Box2500$5500.00Food & Beverage
$5 off a Grab ride!Grab2500$5500.00Grab
$10 off a Grab ride!Grab5000$10500.00Grab
$5 off your GrabFood order!Grab2500$5500.00Grab
$10 off your GrabFood order!Grab5000$10500.00Grab
$5 off your GrabExpress deliveryGrab2500$5500.00Grab
$10 off your GrabExpress deliveryGrab5000$10500.00Grab
Apple AirPods ProApple190000$379501.32Limited Editionhttps://www.apple.com/sg/shop/product/MWP22ZA/A/airpods-pro
100 ALL PointsALL – Accor Live Limitless1600$3518.30Travelhttps://all.accor.com/gb/loyalty-program/use/booking-with-points.shtml
JBL Tune 120TWSJBL53000$99535.35Limited Editionhttps://www.harveynorman.com.sg/tv-and-audio/headphones-en/wireless-headphones-en/jbl-true-wireless-earbuds-tune-120-pnk.html
$1 off a Grab ride!Grab550$1550.00Grab
$1 off your GrabFood order!Grab550$1550.00Grab
$1 off your GrabExpress deliveryGrab550$1550.00Grab
ECOVACS DEEBOT OZMO 920Ecovacs275000$499551.10Limited Editionhttps://www.lazada.sg/products/ecovacs-ozmo-920-robot-vacuum-cleaner-with-smart-navi-30-ozmo-mopping-technology-auto-boost-suction-powerlocal-shipping1-year-local-warranty-i584910234-s1680862007.html?exlaz=d_1:mm_150050845_51350205_2010350205::12:1025267241!54483208270!!!pla-297963845945!c!297963845945!1680862007!142666802&gclid=CjwKCAjwkPX0BRBKEiwA7THxiBYAP3Bbn6g77tPxVbxTaLARYuqTXHl2-6sbAxNUWWK03ppOOtM5txoCKV0QAvD_BwE
500 KrisFlyer MilesKrisFlyer5000$9555.56Travelhttps://milelion.com/2019/06/14/how-much-is-a-krisflyer-mile-worth/
1000 KrisFlyer MilesKrisFlyer10000$18555.56Travelhttps://milelion.com/2019/06/14/how-much-is-a-krisflyer-mile-worth/
50 KrisFlyer MilesKrisFlyer500$1555.56Travelhttps://milelion.com/2019/06/14/how-much-is-a-krisflyer-mile-worth/
100 KrisFlyer MilesKrisFlyer1000$2555.56Travelhttps://milelion.com/2019/06/14/how-much-is-a-krisflyer-mile-worth/
FIFA 20 1,600 FIFA POINTSEA SPORTS FIFA 2012500$22568.18Entertainmenthttps://www.origin.com/sgp/en-us/store/fifa/fifa-20/currency
Nintento Switch consoleNintendo240000$399601.50Limited Editionhttps://shopee.sg/Nintendo-Switch-Console-%2B-1-Random-Game–First-Generation–i.12852945.691055692?gclid=CjwKCAjwkPX0BRBKEiwA7THxiINATqOg4DhHt4rOFVujXvKoBLCEbuVGNbHEeARmXfBasW9H2wrKRRoCKAUQAvD_BwE
Apple Watch Nike Series 5Apple400000$599667.78Limited Editionhttps://www.apple.com/sg/shop/buy-watch/apple-watch-nike
iPhone 11 Pro 64GBApple825000$999825.83Limited Editionhttps://www.apple.com/shop/buy-iphone/iphone-11-pro/5.8-inch-display-64gb-midnight-green-unlocked
500 LinkPointsPlus! Rewards Programme2900$3870.00Shoppinghttps://plus.com.sg/member/how-to-redeem
35% off 1 supplementGNC3000Shopping
Upgrade to Genius userBooking.com0Travel
70% offAdeva Spa5000Travel
70% offSpa Rael5000Travel
20% offFlowerAdvisor1200Travel
20% discountCentral Thai0Travel
20% discountHudsons Coffee0Travel
20% discountPret A Manger0Travel
20% discountStraits Food Village0Travel
20% discountTanuki Raw Express0Travel
20% discountTGM0Travel
20% discountThe Kitchen by Wolfgang Puck0Travel
20% discountThe World is Flat0Shopping
20% discountTiger Den0Travel
20% discount4Fingers Crispy Chicken0Travel
15% discountColonial Club0Travel
15% discountChutney Mary0Travel
15% discountHong Kong Sheng Kee Dessert0Travel
15% discountKaveri Vegetarian Cuisine0Travel
15% discountNiigata Bento0Travel
15% discountPappamia0Travel
10% discountCrystal Jade0Travel
10% discountInternational Food Hall0Limited Edition
10% discountSingapore Food Street0Services
1 Free GiftRoses Only2000Services