Threats to our national security may come in many forms, including from the digital domain. The more digitally connected and technologically advanced the world becomes, the greater our vulnerability to cyberattacks, online scams, fake news, and so on. These threats can disrupt our personal safety and way of life, as well as undermine our social cohesion and strike at the confidence and psychological resilience of our people.

This is why we can’t ignore Digital Defence – one of the six “pillars” of Singapore’s Total Defence strategy, which involves the participation of every Singaporean in the collective effort of building a strong, secure and cohesive nation.

The number of scams in Singapore has been growing. According to the Singapore Police Force, victims lost a record high of over $385.6 million in the first six months of 2024 – an increase of 16.3% compared to the same period in 2023. The most common scams included e-commerce scams, phishing scams, investment scams, government official impersonation scams, and loan scams.  

As AI (artificial intelligence) technology becomes more pervasive, we also have to be concerned about AI-generated “deepfakes”, which can trick us into parting with our money or sharing personal or sensitive information with scammers, and which may even threaten our national security.

We asked a cyber-security expert to share some tips for guarding against common digital threats.

1. Be wary of AI deepfakes

“Deepfakes created by AI are a serious concern because they can create highly realistic audio and video content that convincingly mimics real people,” says Nikhil Bhardwaj, Project Manager and Sales Consultant at Cybersafe Pte Ltd. 

Some common manipulation techniques include: 

• Impersonation for fraud: Deepfakes can be used to impersonate trusted figures such as bank officials, company executives, or even family members. This can lead to fraudulent transactions or misinformation campaigns.
• Undermining trust: When video or audio evidence can be fabricated, it becomes increasingly difficult to trust digital communications. This erosion of trust is a major issue for businesses, governments, and personal interactions alike.
• Difficulty in detection: As deepfake technology advances, distinguishing between authentic and manipulated content becomes challenging – even for experts. This increases the risk of successful scams, as victims may be misled by convincing “proof” generated by cybercriminals.

“In short, deepfakes open up new avenues for sophisticated scams that require both advanced detection techniques and public awareness,” Nikhil adds.

AI-generated deepfakes can be hard to detect, but according to the Cyber Security Agency of Singapore, there are some ways to tell if the multimedia you’re looking at is real or not: 

• Assess the message: Check its source, context and aim. For instance, is the source trustworthy? Does the content read or behave as expected? And does the message ask you to do something urgently, unsafe, or unusual? 
• Analyse audio-visual elements: Look for inconsistencies or discrepancies in facial features, expression and eye movement, skin texture and tone, background, and audio-video quality. 
• Authenticate the content: Deepfake detection tools for the general consumer are only just emerging. In the meantime, you can look out for tags or watermarks which indicate if the content you’re looking at is AI-generated.

2. Shop safely online

Shopping online is a favourite pastime for many of us, but don’t fall victim to scammers and fraudsters. 

For example, Nikhil says that when you’re browsing an online store, the first indicator of security is the URL – make sure it begins with “https://” (the “s” stands for secure) and that you see the padlock icon in your browser’s address bar. 

He says that other red flags include:

• Outdated design and poor functionality: If the site looks unpolished or is riddled with pop-ups and excessive ads, it might not have been maintained with modern security practices.
• Unnecessary information requests: Be cautious if the website asks for more personal or financial information than is typical for the transaction.  

3. Protect against these scams when banking online

With most of us doing our banking online, it’s important to distinguish between phishing and spamming. Nikhil explains: 

• Phishing: This is a tactic where attackers send fraudulent emails or messages, or even create fake websites that appear to be from trusted institutions – such as your bank – in order to trick you into revealing sensitive data such as login credentials or financial information.
• Spamming: Spamming involves the mass distribution of unsolicited emails or messages, which often serve as a vehicle for phishing attempts or the dissemination of malicious links and attachments.

“In the context of online banking, these methods can be used to impersonate your financial institution. An email might look like it’s coming from your bank, urging you to update your details or verify a transaction – only to direct you to a counterfeit site designed to harvest your credentials,” he adds.

Here are Nikhil’s tips to protect yourself:

• Verify the source: Always double-check the sender’s email address or contact details. If in doubt, contact the institution directly using known, trusted channels.
• Use Multi-Factor Authentication (MFA): This adds an extra layer of security even if your password is compromised.
• Keep software up-to-date: Updated anti-malware and spam filtering tools can help catch suspicious activity before it reaches you.
• Be sceptical: Avoid clicking on links or downloading attachments from unknown sources, and always check for the “https://” prefix and padlock symbol before entering any personal information.

4. Reinforce security measures on your devices

Protecting your devices is about layering defences, says Nikhil. This can help minimise your exposure to online threats, fraud and scams. 

Here’s what you can do: 

• Keep software updated: Regularly update your operating systems, applications, and antivirus software to patch vulnerabilities.
• Use strong, unique passwords and MFA: Use strong, unique passwords for every account and enable MFA wherever possible.
• Use firewalls and VPNs: Activate built-in firewalls and use reputable VPN services – especially when accessing public Wi-Fi – to safeguard your Internet connection.
• Backup regularly and use encryption: Backup your important data regularly and consider encrypting sensitive files.
• Be cautious with downloads: Only install apps and software from reputable sources to avoid inadvertently introducing malware.

5. Be mindful of what you share on social media

“Social media is an excellent tool for connection, but oversharing can be a gateway for cybercriminals,” Nikhil points out. 

Avoid sharing the following, he says: 

• Personal details: This includes sensitive information such as your home address, phone number, and even your full date of birth. These can be exploited for identity theft.
• Travel plans: Publicly posting vacation plans or travel itineraries can alert potential burglars that your home is unoccupied.
• Financial information: Details about your income, investments, or even hints about your financial status should be kept private.
• Real-time location data: Photos and posts that reveal your current location (especially if geo-tagging is enabled) can put you at risk.
• Work-related confidential information: Oversharing details about your workplace or projects can inadvertently provide a roadmap for targeted attacks.

“By managing your privacy settings and being selective about what you share, you can better protect your personal and financial safety,” Nikhil adds.

6. Keep your non-digitally savvy loved ones safe from online scams

“

People who are less familiar with digital environments, including many seniors, can be particularly vulnerable to online scams, Nikhil says. 

Here are some scams they may fall prey to: 

• Phishing emails and scam calls: They might receive emails or phone calls that impersonate government agencies, banks, or even family members, urging them to share sensitive information or transfer funds.
• Tech support scams: Fraudsters often pose as technical support agents, convincing individuals that their devices are infected and persuading them to install malicious software or provide remote access.
• Romance and charity scams: Exploiting emotions, scammers might create elaborate stories on social media or dating sites to build trust and eventually ask for money.
• Fake websites and online ads: Unsophisticated users might not notice subtle discrepancies in website URLs or design, leading them to fraudulent sites that mimic legitimate businesses.

Nikhil shares some ways to mitigate these risks:

• Education and awareness: Regularly educate vulnerable loved ones on common scam tactics. Local community centres or libraries sometimes offer sessions on digital literacy and online safety.
• Simplified security tools: Encourage the use of simplified security applications that can help filter out spam and malicious content.
• Trusted contacts: Advise vulnerable loved ones to verify unsolicited requests by contacting a trusted friend, family member, or the relevant institution directly.

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

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Total Defence involves every Singaporean playing a part, individually and collectively, to build a strong, secure and cohesive nation – because when we are strong, we are able to deal with any crisis.

There are six “pillars” of Total Defence, one of which is Economic Defence. This pillar is about strengthening the competitiveness and attractiveness of our economy, ensuring that it not only continues to be successful but also stays resilient, so that it can recover quickly should we face economic uncertainty in the future (such as if there is a global downturn or economic crisis that could shake investor confidence in Singapore).

There are many ways to put Economic Defence into action, and we can start at home – because when Singaporean families are financially strong and resilient, we help bolster the country’s economic strength and resilience, too. 

Here are six ideas to protect your family’s wealth and help your loved ones survive any financial storm. 

1. Save and invest wisely

We all know that saving more and spending less can help us manage our finances and contribute to wealth-building. Ow Tai Zhi, the co-founder and chief investment officer for AutoWealth, recommends being disciplined about these habits. 

“Keep a close eye on your spending and always set a clear spending limit. A good budgeting framework is the 50/30/20 rule – allocate 50% of your income to needs, 30% to wants, and the last 20% to savings and investments. ‘Needs’ are things that you cannot do without, like housing, whereas ‘wants’ are those you can get by without, such as staying in a condo with a pool. If you want to achieve financial independence and retire early, you should adjust this ratio and aim to save one dollar for every dollar you spend.”

You should also keep investing throughout your life and not just stop once your investment has matured, he adds.

“There are people who will invest and stop investing, and others who’ll invest and keep investing. Saving and investing regularly is a disciplined way of building wealth over the long term by eliminating the hassle and emotional fear of trying to time the market. It helps to smooth out market fluctuations by averaging out your cost of investment, leading to better returns.”

New to investing? Here’s what you need to know.

2. Set aside money for a rainy day

You can’t always guarantee that you’ll be able to provide for your family. That’s why it’s important to protect your family’s finances as early as you can, especially if you’re the main or sole breadwinner. 

For those “rainy days”, for instance, Tai Zhi recommends starting an emergency fund. Stashing away a substantial amount of money can safeguard your family against unforeseen situations – such as if you get injured and can no longer work. It also doubles as a war-chest, allowing you to capitalise on market discounts from time to time to enhance your investment returns. 

“It’s a good idea to put aside an amount equivalent to six’ months of expenditures,” he says. 

“This will give you enough time to come up with alternative ways to earn extra money and also serve as a buffer in unforeseen situations, like if you fall ill for a prolonged period or find yourself unemployed for some time.”

3. Create a will

Always prepare for the unexpected, Tai Zhi notes. Establishing legal arrangements, such as a will, Advance Medical Directive (AMD), and Lasting Power of Attorney (LPA), will ensure that your estate is distributed according to your wishes and that your loved ones will be looked after. 

Don’t delay putting your will together. Wills aren’t just for older people who are close to retirement. You can create one even if you’re just starting out in your career.

“Establish a will as early as possible and make it as clear, elaborate and practical as possible, particularly if you have dependents like young or vulnerable children or elderly parents, or if you’re your family’s sole breadwinner,” Tai Zhi advises. 

Find out more about making a will and legacy planning here.

4. Pay off your debts

Accruing debts can affect your ability to become financially independent and retire early, says Tai Zhi. 

“In June 2013, the Monetary Authority of Singapore introduced a Total Debt Servicing Ratio (TDSR) to limit loans granted by financial institutions to 60% of an individual’s monthly income. This measure, which was later revised to a more stringent 55%, aims to encourage financial prudence.”

But Tai Zhi recommends taking an even more prudent approach towards incurring and paying off debts. 

“The first material loan you incur should always be a mortgage loan to provide a roof over your head. This is a need. When your financial situation permits, you can then take up a loan for your wants, be it a fancy home renovation or that flashy car you’ve had your eye on. Then, adapt the 50/30/20 budgeting rule – limit your debt payments to within 50% of your income, keep needs and wants within the 30% threshold, and strive to keep to the 20% savings and investment goal.”

Tai Zhi advises against taking out a credit card loan as it’s not prudent and bears very high interest rates. 

5. Invest in an insurance plan

Nothing is certain in life – severe illness, disability, job loss, and loss of life can occur at any time. A good insurance plan gives you peace of mind that your family will be financially secure should something happen to you and you can no longer look after them. It will also safeguard your family’s finances, so that your loved ones won’t have to dip into your savings to get through the tough times. 

There are several types of insurance available, like health, critical illness, hospitalisation and personal accident, to name a few. It’s a good idea to speak to an insurance specialist to decide what plan or policy works best for you and your family.

6. Teach your kids about money

Children are never too young to develop good financial habits. Encourage your kids to start saving their allowance, teach them the difference between a “want” and a “need”, show them how to budget, discuss ways to earn money, and educate them on the importance of setting financial goals and establishing an emergency fund.  

Teaching financial savviness to your little ones gives them the tools, skills and knowledge that they need to be resilient when confronted with economic challenges when they’re older. 

Here’s how to teach your kids to be money-smart.

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

The post 8 Ways To Safeguard Your Family’s Finances appeared first on eNSMAN.

Ahead of Total Defence Day on 15 February, it’s good to remind ourselves to remain vigilant and know how to respond when faced with an emergency situation.

Here, the Singapore Civil Defence Force (SCDF) shares about the new myResponder app and Lifesavers’ Emergency Point (LEP) Project, both designed to allow the community to lend a helping hand and do their part for Civil Defence.

Enhancements to the new myResponder App

The myResponder app, introduced in 2015, notifies Community First Responders (CFRs) of nearby suspected cardiac arrest cases and locations of Automated External Defibrillators (AEDs) to bridge the critical interval between the onset of an emergency and the arrival of SCDF emergency responders.

The app was enhanced in 2018 to notify CFRs of nearby minor fires and allow CFRs to submit first-hand information such as photos and videos of the on-site situation. The app continues to serve the community in saving lives through the activation of CFRs who could provide immediate response to the cases.

To further strengthen SCDF’s partnership with the community, the app has undergone further enhancements in 2024 (i.e. the new myResponder App) to bolster its app performance and facilitate CFRs’ response to cases. The refreshed new myResponder app provides a more interactive app experience for CFRs to sustain their interest in the app and encourage them to be more active on the app.

The CFR-centric new features in the app are:

• Personalised dashboard and profile: CFRs can view the cases they responded to, and their ‘badges’ of achievements.
• Mode of response: In the previous version of the app, CFRs who were within 400m from the incident, and drivers on the ‘AED-on Wheels’ Programme who were within 1.5km from the incident, were alerted. With the new enhancement, users can now select the mode of response (e.g. vehicle, on foot, or bicycle) and customise the radius in which the CFRs can receive notifications of cases that they could better render help. For example, a CFR who usually commutes on bicycles can indicate a wider response radius of 800m, while a CFR who usually commutes by vehicle can indicate an even wider response radius of 1.5km.
• Video call function: This function in the new myResponder app allows SCDF to have a better scene appreciation before the arrival of SCDF’s emergency responders. The SCDF Operations Centre can also guide CFRs in their intervention, for example, how to perform CPR when attending to a case, thereby boosting CFRs’ confidence in responding to cases. This feature is scheduled to be released in late 2025.
• Respond Together: In the new app, CFRs can respond to a case together with other CFRs and have a geo-tagged chat group with other CFRs and/or SCDF Operations Centre responding to the same incident. This feature helps smoothen the process in rendering help and alleviate CFRs’ fear of responding alone.
• Learn Page: To maintain user engagement during non-emergency moments, the new app includes bite-sized emergency preparedness e-learning modules under the Learn page. These modules serve as an avenue for introducing new CFRs to life-saving skills, while experienced CFRs can participate in refresher lessons, with the aim of enhancing their confidence when responding to emergency cases.
• Wellbeing Check-In: To support the CFRs’ mental health, a Wellbeing Check-In feature will be prompted on the app after a CFR responds to an incident. This feature provides guidelines on different coping techniques for CFRs in the aftermath of a stressful situation as well as various support avenues available.
• Community News: CFRs can stay informed about the latest developments through the new Community Stories page. This section highlights SCDF articles and the latest CFR success stories, serving as inspiration for CFRs to step forward and respond to emergencies.

Since the enhancement of the myResponder app, over 26,000 new users have installed the app and as of 31 December 2024, there are more than 200,000 registered CFRs.

Download the myResponder app (available on both the Apple App Store and Google Play store) to register as a Community First Responder (CFR) now. To learn more, go to scdf.gov.sg/home/community—volunteers/community-resources/myresponder-app.

Lifesavers’ Emergency Point (LEP) Project

The main causes of residential fires are typically unattended cooking, leaving lighted materials about, and fires of electrical origin such as those caused by faulty electrical appliances or wirings. Other than injuries and fatalities, homeowners and affected neighbours also suffer from emotional distress, property damage and the need to seek temporary accommodation.

While fire safety is the responsibility of homeowners, SCDF advocates and encourages homeowners to equip their homes with fire extinguishers. While HDB units are compartmentalised and constructed based on fire-resistant materials that prevent fire spread, these incidences could be further mitigated if the occupants were equipped with fire-fighting equipment like extinguishers to prevent fire spread. However, SCDF also recognises that there are deterring factors, such as the cost of purchasing and maintaining fire extinguishers.

As such, with the support of partners, namely Temasek Foundation, Ministry of National Development (MND), Housing & Development Board (HDB) and the various Town Councils, SCDF has embarked on a five-year trial from 2023 to 2028 to progressively install and maintain one fire extinguisher at the ground floor lift lobby of every two HDB blocks in Singapore for use by residents during fire emergencies.

Known as the Lifesavers’ Emergency Point (LEP), these fire extinguishers would be installed alongside the AEDs at the HDB lift lobbies, to ensure easy identification and access to both equipment. The LEP is an extension of the Save-A-Life initiative, where SCDF installed AEDs at the lift lobby of every two HDB residential blocks.

As part of the LEP project, SCDF also trains residents in emergency preparedness skills via the newly launched Responders Plus Programme and continues to activate CFRs registered via the myResponder App to respond to minor fires such as rubbish chute/bin fires. Members of the public can also access and utilise these fire extinguishers in cases of fire emergencies, where it is safe for them to do so.

As of end January 2025, SCDF has already installed fire extinguishers at over 5,000 lift lobbies islandwide. Thus far, more than 70 LEP fire extinguishers have been used by residents for emergencies. Additionally, CFR responses have resulted in at least one out of every two minor fire incidents being addressed without the need for dispatching SCDF appliances. This efficiency enables SCDF to allocate our resources more effectively to other emergencies.

Know what to do in an emergency with these tips from SCDF.

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

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Valentine’s Day is for love and friendship, and a great time to express your adoration and appreciation for the people you care about. Whether it’s your other half, parents or grandparents, besties, siblings, colleagues or even children, make them feel extra special with these wonderful gifts (remember to check out the promotions for SAFRA members, too). 

1. Say it with flowers

Established in 1975, Noel Gifts specialises in beautiful floral arrangements and gifts that are perfect for your Significant Other, parent, grandparent, or friend. Choose from lush hand bouquets, expertly crafted table flower arrangements, or stylish gift hampers loaded with goodies like chocolate, wine, fruit, plush toys, fragrances and toiletries. You can even add pastries or cake to your flower order. 

SAFRA members receive up to 10% off flowers and gifts. Find out how at  safra.sg/promotions/noel-gifts

2. Book a romantic staycation

Plan a love-filled weekend with your partner or a fun escape with friends at Courtyard by Marriott Singapore Novena. Conveniently located next to Novena MRT station, the hotel is close to Orchard Road and just a short drive from the CBD. If you prefer not to venture too far, you can always check out the three shopping malls that are connected to the hotel. 

You can look forward to contemporary rooms with floor-to-ceiling windows offering panoramic cityscape views. Relax and recharge with a dip in the rooftop infinity pool or work out at the 24-hour gym. Meals are available all day at the hotel’s Sky22 restaurant, and for amazing craft cocktails, make your way to Las Palmas rooftop poolside bar. 

SAFRA members get up to 20% off the Best Available Room and receive 20% off F&B at Sky22 during your stay. For more details, click on safra.sg/promotions/courtyard-by-marriott-singapore-novena

Check out more staycation ideas with deals for SAFRA members here!

3. Make it a movie date

Catch up on the newest cinematic releases at Shaw Theatres. Shaw has venues all over the island, including Lido, Balestier, Paya Lebar, Lot One, Jewel and Waterway Point. Choose from different theatre experiences like IMAX, Premiere, Lumiere, Dreamers and KinoLounge. Then, all you have to do is sit back and relax in your comfy seat with a bucket of popcorn and get lost in your movie.

Take advantage of the special SAFRA Member and SAFRA MovieMax rates, plus, get up to $2 off food Combo sets. To find out more, visit safra.sg/promotions/shaw-theatres

Feeling peckish after the movie? Head for these late-night dining spots for your post-movie supper, with discounts for SAFRA members!

4. Give a sweet surprise

If your loved one is crazy for cheesecake and other sweet bakes, they’ll appreciate something from home-grown bakery, Cat & The Fiddle. Bestselling cheesecake flavours include Blissful Blueberry, Tangy Yuzu, Lychee Rose, Milo Dinosaur and Mao Shan Wang Durian. Besides cheesecake, the bakery also offers gourmet pastries like tarts, macarons and eclairs, and artisanal cookies. Customise your gift with flowers or a cat plushie.

SAFRA members enjoy 15% off regular-priced whole cheesecakes. Find out more at safra.sg/promotions/cat-and-the-fiddle

5. Cook a fancy meal

Show off your culinary skills with a homemade meal, and get everything you need at Ryan’s Grocery. The boutique grocer specialises in quality organic foods for people with discerning tastes or special dietary requirements. You’ll be impressed by the range of meats, deli items, seafood, dairy products, fruits and veggies, baked goods, eggs, beverages, and more. 

If your loved one is a foodie, you can also put together a food basket for them, filled with gourmet snacks, cereals, chocolate and wine. 

SAFRA members get 10% off butchery items and 5% off everything else. Learn more at safra.sg/promotions/ryans-grocery

6. Enjoy an immersive art experience

Gustav Klimt – Falling in Gold is perfect for the art lover or culture seeker in your life. Gustav Klimt is a visionary artist whose iconic golden masterpieces shaped not just art but fashion, music and film. His shimmering style has influenced runway collections by Dior and Alexander McQueen, inspired films like The Grand Budapest Hotel, and even left its mark on music videos and modern design. His legacy transcends time, continuing to ignite creativity across generations.

Falling in Gold, at Kallang Wave Mall until 5 March, features breathtaking 360° projections, virtual reality journeys, and AI-powered portraits that transform Klimt’s masterpieces into living, breathing works of art.

SAFRA members receive 20% off tickets. Visit safra.sg/promotions/gustav-klimt to book your experience.

7. Cruise in style

Sail away with your loved one on Resorts World Cruises. The established cruise brand redefines the cruising experience with its exciting and unique offerings and a variety of accommodations, including The Palace – a luxurious, world-class, ship-within-a ship boutique hotel. Indulge in gourmet dining at its private restaurant, unwind on the sundeck, or rejuvenate at the state-of-the-art gym and spa. For thrill-seekers, the on-board theme park features multiple attractions, while the whole family can indulge in lively entertainment that showcases international performances.

The Genting Dream cruise ship sails to Phuket, Penang, Melaka and Port Klang. 

SAFRA members get to redeem 15% off selected cabins on Genting Dream. For additional information, click on safra.sg/promotions/resorts-world-cruises

8. Tuck into a steak feast

Book an intimate dinner at Eatzi Gourmet Steakhouse & Bistro. This halal-certified restaurant is known for its delicious sizzling steaks made with premium New Zealand beef. Choose from signature steaks like Bacon Filet Mignon with Truffle Butter, Sambal Steak, NZ Striploin Steak, NZ T-Bone Steak, and more. Other meats on the menu include lamb and chicken, and there is also a variety of seafood options for non-meat-eaters. If you want variety, try the Sharing Platter. The restaurant also offers pasta and rice dishes, soups, salads, appetisers and desserts. 

SAFRA members enjoy 10% off your total bill. Visit safra.sg/promotions/eatzi-gourmet-steakhouse-bistro for more information.  

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

The post 8 Valentine’s Day 2025 Gift Ideas For Everyone You Love appeared first on eNSMAN.

Looking for a fun and affordable way to stay active while spending quality time with your significant other? Singapore offers a plethora of exciting fitness activities that won’t break the bank, especially with extra savings for SAFRA members. Here are six ideas to get you going.

Bouncy bonding

Getting bored with reps at the gym? Embrace the energy of a jumping fitness class instead. The high-intensity, low-impact rebounding workout burns three times as many calories as running, while remaining easy on the joints. When done right, regular jumping also leads to improved muscle tone, lung capacity, physical endurance and cardiovascular health.

Get your bounce on with the original Jumping Fitness classes at selected SAFRA clubs. Conducted by social enterprise Jumping Singapore, a single trial starts at just $15. Combining elements of aerobics and trampoline exercises with professional Jumping® Profi trampolines, the addictive rebounding routines will leave you both breathless and laughing.

SAFRA members enjoy 5% off shareable packages of 8 sessions and above at Jumping Fitness in SAFRA Choa Chu Kang, Jurong & Punggol; more info at safra.sg/whats-on/jumping-fitness

Currently available at SAFRA Choa Chu Kang, SAFRA Jurong & SAFRA Punggol

Not sure if Jumping Fitness is for you? Watch our video on how to get started!

Rock-climbing rendezvous

Conquer new heights in your relationship with a shared adrenaline rush. Rock-climbing is a challenging yet rewarding activity that can strengthen your bond both physically and mentally. Work together to conquer a challenging route, encourage each other through difficult sections, and celebrate your victories as a team. With so many indoor and outdoor rock-climbing facilities available, it’s easy to get started.

At Climb Central, for instance, you can experience bouldering, top rope climbing, lead climbing and auto-belay on rock walls from 4 to 16m high in cool indoor environments. For first timers, $38.15 covers a one-time adult admission and the rental of climbing shoes and harness. Simply walk in, sign up, attend a mandatory 15-minute safety briefing, and start climbing for as long as you like.

SAFRA members and servicemen enjoy 10% off first-timer entry and equipment rental at Climb Central SAFRA Choa Chu Kang; more info at safra.sg/promotions/climb-central-lifesg-credits-promo

SAFRA Choa Chu Kang: 28 Choa Chu Kang Drive, #03-02A

Want to try rock climbing? Watch our Climb Central video to find out how to get started!

Stretching soulmates

Here’s one to consider for lovebirds who lead hectic and stressful lifestyles. Enhance your flexibility, improve your balance and deepen your connection with your partner through a couple yoga class. As you flow through synchronised poses, learn to trust and support each other, and reap the calming effects of yoga together.

If you’re not sure if yoga is for you, you can try free classes, such as those organised by HPB via the Healthy 365 mobile app, or Yoga Seeds at Bishan-AMK Park every second Sunday. Many studios also offer trial packages, such as the three classes for $50 Intro Pass at Yoga Inc. This is a great way to explore its diverse class offerings, including beginner-friendly options like Basics, Hot Basics, Stretch and Yin yoga.

SAFRA members and servicemen enjoy a special rate of $188 for 10 classes worth $300 at Yoga Inc SAFRA Punggol; more info at safra.sg/promotions/yoga-inc-lifesg-credits-promotion

SAFRA Punggol: 9 Sentul Crescent, #01-03, Singapore 828654

Cycling connections

A cycling date along Singapore’s extensive Park Connector Network is a three-way win. You’ll get a cardio workout while traversing lush greenery, serene waterways and vibrant cityscapes, allowing for uninterrupted conversation and quality time together. Choose a route that suits your fitness level and interests, from short loops to longer expeditions.

Some of our favourite routes originate from Changi Airport Terminal 2, an excellent starting (and ending) point for several reasons. Firstly, you can grab breakfast at Hub & Spoke Café and rent bicycles from GoCycling if needed. After exploring sights like the Changi Jurassic Mile and taking in sunset views from Changi Bay Point’s lookout pavilion, head back for a laidback dinner with live music at Overflow Bar.

SAFRA members and servicemen enjoy 10% off mountain bike rentals at GoCycling, as well as 10% off food and non-alcoholic drinks at Hub & Spoke Cafe and Overflow Bar; more info at safra.sg/promotions/gocycling & safra.sg/promotions/hub-spoke-overflow

#01-T2S Changi Airport Terminal 2, 60 Airport Boulevard

Paddling paradise

Water sports such as kayaking and stand-up paddleboarding provide a full-body workout, engaging your core and improving balance and coordination. Besides, they’re also super easy to pick up and make for a fun day out by the beach. For an exhilarating date, head to Ola Beach Club on Siloso Beach and experience these water sports firsthand.

Rent tandem kayaks or stand-up paddleboards and explore the coastline of Sentosa from another angle, experiencing the thrill of propelling yourselves through the water. Don’t worry if it’s your first time, as guides are on hand to help you get the hang of it, plus you’ll have life vests on. When you’re all paddled out, glide back to shore and chill out over Tiki cocktails and Hawaiian-inspired cuisine.

For more savings on Ola Beach Club’s watersports activities, make your bookings via Klook. SAFRA members and servicemen enjoy up to 10% off sitewide; more info at safra.sg/promotions/klook-sg

46 Siloso Beach Walk, Sentosa Island

Trailblazing temptations

If you prefer keeping your feet on terra firma, then lace up your shoes, slap on some sunscreen and take to the many walking trails around Singapore. Whether you choose to navigate hilly terrain and rocky quarries, search out scenic views on treetop walks, or follow trails from coast to coast, hiking together offers a unique blend of adventure and intimacy.

Or why not embark on a hiking expedition to Singapore’s idyllic southern islands? A single ferry ticket lets you go island-hopping across St John’s, Lazarus, Kusu and the newly reopened Sisters’ islands. Hike biodiversity-rich trails and floating boardwalks, and even track down hidden hideouts within the pristine rainforest. Then find a secluded spot along sandy beaches and have a romantic picnic to bring your date to the perfect conclusion.

Make sure to wear suitable footwear for hiking. SAFRA members and servicemen enjoy up to 15% off at Asics, Bata & Skechers stores; more info at safra.sg/promotions/Asics-stores, safra.sg/promotions/bata & safra.sg/promotions/skechers-2025

Read on for tips from a podiatrist on how to choose the right footwear and keep your feet healthy.

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

The post Get Your Hearts Racing With These 6 Affordable Fitness Date Ideas appeared first on eNSMAN.

Are you still making resolutions to grow your money or enhance your financial situation in 2025? It’s not just about saving more and spending less. Sure, these are important for having extra money to spend on personal and family pursuits and to avoid falling into debt, but they’re not always enough if you’re looking to improve your overall financial well-being in the long run. 

From setting clear financial goals to creating an emergency fund, here are eight expert tips to help you get on the road to financial stability and freedom. 

1. Understand what it means to be financially “fit”

According to Ow Tai Zhi, the co-founder and chief investment officer for robo-advisory platform AutoWealth, being financially fit means having adequate money set aside for unforeseen emergencies, catering adequately for your family’s insurance and protection needs, and not being indebted to anyone. When you are financially fit, you’re in a better position to build wealth over the long term and gain financial independence. 

2. Define your financial goals

“It’s good to have resolutions, but resolutions can become unachievable, too boring or too uninspiring after a while,” says Tai Zhi. 

Instead, set well-defined financial goals. They should be easy to follow so that you don’t give up on them. Here, Tai Zhi shares a few pointers for creating these goals: 

• The goal should be quantifiable and have a clear timeline – for example, setting aside or adding a certain amount of money to your investment portfolio by the end of the year.
• The goal should be inspiring or contribute towards something inspiring, like adding to your investment portfolio so that you can be financially independent at 50 years old. 

“And who doesn’t want to be financially independent and enjoy life at 50?” Tai Zhi asks.

• Beyond good goal-setting, tracking your progress at regular intervals is equally important. Tracking not only helps you to celebrate interim milestones, it also keeps you accountable and enables adjustments so that you don’t fall short.

3. Open an emergency fund for unforeseen expenses

“An emergency fund not only prepares you for unforeseen situations; it also doubles as a war chest to help you capitalise on market discounts from time to time to enhance investment returns,” Tai Zhi explains. 

“It’s good to set aside an amount equivalent to six months’ of expenditures. These funds will keep you afloat during an emergency, such as if you fall ill and have to stop working for a while.”

Here’s how to plan ahead and protect your family’s assets and wealth.

4. Manage financial stress

Financial stress is real for many people, especially with the rising cost of living. Tai Zhi says that awareness is the first step to overcoming this stress. 

“Identifying the source of your financial stress allows you to create a plan to address your concerns. So, organise and take stock of your finances and make a list of the financial struggles that concern you the most,” he advises. 

“Tackle each financial problem slowly, one at a time. You may need to find additional sources of income and defer non-urgent, non-critical discretionary spending. 

“Along the way, do not neglect your health. This means following a healthy diet, getting adequate sleep and exercising regularly to help you manage your stress.

“Setting aside an emergency fund can also help ease your stress about unforeseen expenses. And consider purchasing insurance to protect yourself and your loved ones against unexpected emergencies. These financial safety nets will give you a sense of security and peace-of-mind.”

5. Differentiate between wants and needs

Knowing what you want and what you need makes it easier to stick to your financial goals. 

Tai Zhi says that needs are things you can’t do without – like housing, for instance – whereas wants are those you can get by without, like staying in a condo with a pool. 

A good budgeting framework is the 50/30/20 rule: Setting aside 50% of your income for needs, 30% for wants and the remaining 20% for savings and investments. 

“If you want to achieve financial independence and retire early, you should adjust this ratio by cutting down on your wants and increasing your savings and investments,” Tai Zhi adds.

Can’t seem to save? Find out about the 8 bad money habits that could be hurting you financially.

6. Understand the risks involved in investing

No financial product can be 100% profitable all of the time. 

Tai Zhi says that you should only make an informed investment decision after you fully understand the investment product and the risks associated with it. 

“This will help you manage your expectations and ensure that the risks are tolerable to you. The last thing you want is to panic and cut your losses when an eventual rebound is right around the corner.”

7. Protect yourself with insurance

“Insurance is useful to protect against unforeseen emergencies,” says Tai Zhi. 

“Having this financial safety net provides a sense of security and peace of mind, not only for you but also your loved ones.”

8. Be a savvy saver, but remember to enjoy your journey to financial fitness

When it comes to saving money, it’s important to be consistent and disciplined. Tai Zhi advises you to save at least a dollar for every dollar you spend. You should also be focused – before making any purchases, set a clear spending limit to avoid going over your budget. 

You may also wish to find good alternatives to growing your savings. Tai Zhi says that cash management solutions like AutoWealth Flexi Cash or money market funds can help you earn an attractive yield of more than 3% per annum.

Of course, becoming financially fit shouldn’t leave you feeling like you have to wait until retirement to enjoy your money. 

“I recommend celebrating interim milestones along your journey to motivate yourself to keep going,” Tai Zhi explains. 

“For example, take your family out for a fancy dinner to celebrate your investment gains made in 2024. Also consider exciting challenges, such as not spending a cent on payday or drinking only water instead of buying soft drinks or bubble tea, which can add up to quite a bit over the week.”

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

The post Here’s How To Attain Financial Fitness In 2025 appeared first on eNSMAN.