Koufu’s subsidiary offers massage service at Social Enterprise Hawker Centre to attract crowds

It was reported in the media today (‘Sign change and massage services among efforts to revitalise Jurong West Hawker Centre‘, 31 May) that a social enterprise hawker centre (SEHC) run by a company owned by a grassroots leader is now offering massage services in order to attract crowds to the hawker centre.

It was reported that a sign change, weekend massage services and an extension of a shuttle bus service are among efforts by Hawker Management Pte Ltd to increase traffic to Jurong West Hawker Centre. Hawker Management, a subsidiary of Koufu Group, won the rights to run Jurong West Hawker Centre as a SEHC, with the objective of lowering costs of cooked food to Singaporeans.

Feud broke out between Koufu and hawkers

Last Oct, a feud broke out openly with hawkers at Jurong West Hawker Centre, resulting them launching a petition against Koufu Group for unfairly penalizing the hawkers.

Koufu is founded by Mr Pang Lim (PBM), a grassroots leader at Pasir Ris-Punggol GRC. He is the Vice-Chairman of Punggol 21 CC Building Fund Committee as well as Patron of Punggol North CCC and Punggol 21 CCMC.

Hawkers were unfairly forced to pay $0.20 for each tray returned by the patrons. One hawker told the media that they had to pay Koufu’s subsidiary as high as $900 for tray charges at times.

When contacted by the media, an NEA’s spokesperson even sided with Koufu, saying that the stallholders were “aware of the charges involved before signing the (tenancy) agreement” with Koufu’s subsidiary Hawker Management. NEA is run by BG (NS) Tan Meng Dui, who took over from RADM (NS) Ronnie Tay, the former Chief of Navy, last Oct.

Empty stalls

So far, tenants interviewed by the media said that things have not improved much since the hawkers’ plight came to the attention of the public last year. Just half of the 48 wet market and hawker stalls at Jurong West Hawker Centre are occupied.

A fruit and juice stallholder, who gave her name only as Madam Phan, said that some of her customers opt to eat at the nearby Koufu foodcourt before dropping by to buy her juice. “Business is not good and it is hard to break even”, said Madam Phan, 49, who pays about $2,000 a month in rental and other fees.

A Koufu’s spokesman said it is working on plans to rejuvenate the centre and attract tenants to fill the unoccupied stalls.

“Since the hawker centre opened, Hawker Management has worked closely with the stallholders, patrons, local community and authorities to improve the working environment for the stallholders and dining experience for the nearby residents and community visiting Jurong West Hawker Centre,” said the spokesman.

Based on Madam Phan’s testimony, it seems that even though business at Jurong West Hawker Centre may be affected, the nearby Koufu’s foodcourt is doing fine. Mr Pang Lim should feel gratified by this then.

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eGifter.com Gift Cards Promotion: Get 10% Off Lowe’s and DSW GC Purchase

eGifter.com Gift Cards PromotionThe best way to save money is to purchase discounted gift cards and shop with sales! If you are looking to get some fun entertainment or shows to watch, then be sure to check out this promotion. Right now, eGifter.com is offering 10% off Lowe’s and DSW gift card purchases when you use the promo codes LOWES5 or SHOE6 at checkout!

You can use or redeem this gift card for any participating entertainment shows! Keep in mind that this promotion is valid for a limited time or while supplies last, so buy your gift card today and get the latest items for amazing shows where eligible.

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eGifter.com Gift Cards Promotion

  • Buy Now at eGifter!
  • Promotion: Get 10% off Lowe’s and DSW gift card purchases
  • Promo Code: 
    • LOWES5
    • SHOE6
  • Expiration: 
    • June 17, 2019
    • June 8, 2019
  • Availability: Nationwide
  • Terms & Conditions: Limit of 5 cards per customer (no limit on DSW). Offer Ends 6/17/19 or while supplies last. (DSW deal ends 6/8). Promotional and Bonus Gift Cards do not earn eGifter Points and are not eligible for Swaps.

How To Get Discounted Gift Cards

  1. Head over to eGifter.com or create an account if you haven’t.
  2. Add a $100 Lowe’s or $60 DSW gift card to your cart
  3. Add the promo code LOWES5 or SHOE6 at checkout.
  4. Enjoy your savings!

Bottom Line

Purchasing discounted gift cards while shopping with sales will give you the ultimate savings! This is your chance to get 10% off Lowe’s and DSW gift card purchases when you use the promo codes LOWES5 or SHOE6. Valid dates vary depending on the gift card purchase.

eGifter.com is the best solution to help you complete your last minute shopping and help you save money! If you love shoes and saving money, then this offer is definitely for you! Buy now, and see our full list of Gift Card Promotions and ways to earn Credit Card Bonuses here at HMB!

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CDs vs Savings Account – Two Ways To Save; Which Is Best?

CDs vs Savings Account – Two Ways To Save; Which Is Best?Trying to figure out where to keep your money can be a daunting task. Your hard earned revenue deserves to be saved in the most beneficial way to you possible.

In this post we are going to analyze the two main ways of saving; CD’s (Certificates of Deposit), and Savings AccountsBe sure to keep on reading so that you can earn the money that you deserve!

CIT Bank Savings Builder Account
With the CIT Bank Savings Builders account:
• Earn a top tier, competitive APY on your money—one of the top savings rates in the nation. Earn 2.40% APY on your funds – grow your savings faster.
• Build a habit of savings. Pay yourself first. Start with $100 per month and build your habit of savings-—all while getting a top rate.
• FDIC Insured

Certificates of Deposit

CD’s are timed deposits with the promise of leaving your cash in them until a certain amount of time has gone by. CD’s tend to have higher rates than savings accounts, and won’t be effected by decreasing interest rates.

Whether it be 6 months or 6 years, the depositor will be rewarded for not touching their money until the date that was agreed upon. Banks or credit unions will pay higher rates for higher maturity dates. Although you get better rates, your deposits cannot be touched. If you were to withdraw the money from CD’s you will incur a penalty/fee or potentially lose the interest that you have accumulated.

  • When should I use CD’s?
    • CD’s are best used when you know you have to make a payment in advance. For example, if you know you have to pay back a loan in 12 months, then you could set up a CD for that same amount of time.
    • Not only will this keep your money secure, but the increased rate that you get from setting up a CD will give more money for the user to pay with. CD’s are also great for increasing money you may want to set aside and have no intention of spending in the near future
  • How are the rates?
    • As mentioned previously, CD’s almost always have higher rates than savings accounts. The longer the time deposited, the bigger the return. Additionally, you can always predict how much you will earn with a CD. The rate is set at the beginning of the deposit, and won’t change for the remainder of the time period.
    • The ability to figure out exactly how much money you will have by the end of the deposit is a great way to time payments. This will also work in your favor if the interest rate drops. However, if the interest rate increases by a large amount, this feature can work against you.
  • What if I need to make an early withdrawal?
    • Don’t panic. If you need some emergency cash, you can usually take from your deposit, but this is a pretty bad idea and should be avoided if possible. Usually you will have to pay early withdrawal penalties, which can eat away at your earned interest and even into your initial deposit.
    • It’s important to have enough money outside of CD’s to use on rainy days, so be careful with how much you put into your CD.
If you’re searching to open a CD account, we recommend Discover Bank’s Certificate of Deposit Account.

Savings Accounts

Savings accounts are the most standard way to store your money. They’re simple to understand, and won’t break the bank if you need make to make any sudden withdrawals.

Savings accounts can change the interest rate on your account as time goes by, so it’s important to understand the effects the economy can have on interest rates, and when it’s a smart idea to deposit. On another note, saving accounts are easily accessible anytime you want.

  • When should I use Savings Accounts?
    • Savings accounts are simple to use, but can be hard to master. In general, it’s a smart idea to keep more money in your savings then it is to deposit using CD’s. This is because savings accounts are much more flexible and can be withdrawn from at any time.
    • Savings accounts are the perfect place to store emergency funds for whenever you have a rainy financial day. They are also great to use when interest rates are expected to increase, as the interest on your account can changes over time.
  • How are the rates?
    • The rates for savings accounts work differently than CD’s. The amount of return you get back on your deposit will fluctuate constantly, meaning that savings accounts won’t be a great way to earn a consistent amount of money back.
    • However this can work to your favor if interest rates are expected to increase in the near future. Unlikes CD’s, there is no minimum deposit that must be made for savings accounts, so you can start small and try your luck with this method of saving.

Savings Accounts and CD’s

  • Which method should I use?
    • The answer is quite simple: both. By using both these methods, you can make your cash work for you, without you actually doing anything! CD’s are the best way to get more return on your money, but investing too much could leave you without enough money for emergency situations.
    • That’s where savings accounts come in! Allocating your cash to have enough on standby in a savings accounts while also getting a big return through CD’s will be a hard technique to master, with some trial and error involved. Balance your cash wisely, you deserve to have your earnings maximized!
Discover CD
• Available nationwide online, Discover offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months
• Rates ranging from 0.35% APY up to 3.10% APY.
• Opening a Discover Bank Certificate of Deposit is extremely quick and easy.
• Funds on deposit are FDIC-insured up to the maximum allowed by law.
• Start today with a minimum deposit of $2,500!
• Get started and open a Discover CD in 3 easy steps.

Bottom Line

Trying to figure out where to keep your money can be a daunting task, but having the information over these 2 important methods of savings will hopefully make it a little easier on you. Both methods have their positives and negatives, it’s up to you to determine how you want to use them.

If you don’t have a CD or savings account, then be sure to sign up and start one today so that you can earn interest on your hard earned money! If you find these posts informative, be sure to check out more of the on HMB! Also check out our posts for the Best CD Rates and Best Bank Savings Rates!

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Newegg Lowe’s Gift Card Promotion: $50 eGift Card for $45

Newegg Lowe’s Gift Card PromotionSummer is here so take advantage of this Newegg Lowe’s eGift card promotion and help get started on your next project. Newegg is currently offering a $50 Lowe’s eGift card for only $45 until May 31, 2019 or while supplies last!

Save up to 10% on the gift cards when you purchase the limit of 2. If you need a gift or simply have something in your home that needs fixing, take advantage of this gift card promotion and get the most out of your money! Deals like these gift cards don’t last very long!

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Newegg Lowe’s Gift Card Promotion

  • Buy Now at Newegg!
  • Promotion: $50 Lowe’s Gift Card for $45
  • Expiration: May 31, 2019
  • Availability: Nationwide
  • Terms & Conditions: Expires May 31, 2019. Limit 2 per customer.

Get Lowe’s Gift Card Promotion

  1. Go onto Newegg’s Lowe’s gift card page
  2. Purchase the $50 gift card for only $45 (limit of 2)
  3. Enjoy saving money on your next home improvement!

Bottom Line

If you have need to fix a leaky sink or buy a new washer then check out Lowe’s for all you home improvement needs. Newegg is currently offering a $50 Lowe’s eGift card for only $45 until May 31, 2019 or while supplies last, so make your purchase today.

This Newegg Lowe’s gift card promotion won’t last long, so grab one or two for your next home improvement project today! If you love deals like this, check out our list of Best Gift Cards or check out other ways to save money.

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Chase Savings Bonus Chase SavingsSM: Earn $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 20 business days & maintain a $10,000 balance for 90 days. You can link this account to your Chase checking account for Overdraft Protection. You’ll have access to over 16,000 Chase ATMs and nearly 5,000 branches. Apply NowChase Savings Review

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Baskin Robbins Promotion: $1.70 Scoops All Day on 5/31

Baskin Robins PromotionLife is better with sprinkles, so celebrate the end of this year with this promotion! Baskin Robbins currently has a promotion where you can get $1.70 scoops all day on May 31, 2019. 

This is a great way to cool of in this upcoming heat. All you have to do is head to a participating Baskin Robbins and has them for the sample! Set your reminders so that you don’t forget this awesome money saving deal!

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Blue Cash Everyday® Card from American Express – Earn $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
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Baskin Robbins Promotion

Get $1.70 Scoops All Day

  1. Grab your kids and head into a Baskin Robbins near you
  2. Make sure you go on May 31, 2019
  3. Enjoy your $1.70 scoops all day!

Bottom Line

If you live near a Baskin Robbins, be sure to join in their promotion on May 31, 2019 to grab $1.70 scoops all day! Be sure to head there on time to have some dessert and fun!

Not every location will be participating so please check accordingly. If you like freebies like this, check out Free Food Deals and see our section on how you can Eat Free On Your Birthday!

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Chase Savings Bonus Chase SavingsSM: Earn $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 20 business days & maintain a $10,000 balance for 90 days. You can link this account to your Chase checking account for Overdraft Protection. You’ll have access to over 16,000 Chase ATMs and nearly 5,000 branches. Apply NowChase Savings Review

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