Kopi Money Series Pt 3: Lumi Health

Back with another Kopi Lui article for all those who chase deals and ideas to make some small change in your free time. So today's article is focusing on LUMI Health. This was started by HPB in collaboration with Apple to kind of 'gamify' exercising or encouraging exercise and health-related activities. I thought this was a step up from the 'Steps Challenge' (pun very much intended). So I will be running through my review of this gamification effort on health and exercise related activities. As mentioned in my earlier Kopi Lui posts, this is not a get rich quick scheme, but more of using everyday pockets of time to generate some money.

Basically, LumiHealth works only with Apple Watch. Your daily activities recorded via your Apple Watch earns you points to reach various checkpoints in a given chapter. At each checkpoint, you are given coins which can be used to redeem various rewards. Currently, I'm at Chapter 9 and you can see how many coins I have accumulated below.

Each ring you close on your Apple Watch gives you 100 points. When you reach the weekly goal (as shown in the picture above), you are rewarded with 8000 points. This weekly goal helps move Lumi along the chapters.

Additionally, there are various challenges available for you to complete. These are health related challenges. For example, the one shown above encourages the user to reduce salt intake and choose better food options. When you do this/check-in with this activity 3 times, you will earn a total of 2300 points.

So in my Lumi Health 'adventure' the past couple of months, I have earned a total of 25,950 points which translates to approximately $86 dollars worth of rewards. I like it that the developer indicated the monetary value of the points I have. Next we will take a look at the rewards available for redemption. 

For the full and latest list of reward options, you can refer here.

Overall, I think the Lumi Health app is a really good attempt at gamifying and encouraging health and fitness for everybody. The various challenges and information provided are up-to-date. The graphics and design of the user interface is also clean and easy to use.

If any reader has the Apple Watch but have not started on Lumi Health, I highly recommend you give it a shot *not a sponsored post*

Through simple, everyday healthy actions, you can earn rewards of up to $380 over two years. Click HERE so we can both earn bonus points! *WIN-WIN*

Share with me your thoughts and comments on such apps you guys are using! Remember to stay safe everyone!

On a separate note, I have started a YouTube Channel showcasing my hobbies. If you are interested, you can watch my latest video here! Any feedback, subscriptions or comments is deeply appreciated!

My YouTube Channel: LINK HERE!

My Instagram: LINK HERE!

Check out my other stuff: LINK HERE!

SG FI Dad, out.

Kopi Money Series Part 2: Toluna

Cryptic coffee and notebook photo. 

Back with another post on ‘How to make Kopi Money’. It seems that the previous article on Milieu Surveys was quite popular. I hope I can make this into a mini-series and give you all tips and tricks to make such kopi lui. As I said in my earlier post, participating in these will not make you extremely rich and it is most definitely not a get-rich-quick scheme.

Today’s post will be on Toluna. This website/app is similar to Milieu in the sense that it is a survey platform. By completing surveys, you receive points that can then be used to exchange for different types of rewards.

I personally use Toluna as well but not as frequently as compared to Milieu. I would say it is easier to reach the rewards threshold on Toluna as the points payout per survey is typically quite high. On average, you should be able to redeem some form of reward upon completing 6-8 surveys. The downside to Toluna is that their surveys can be quite long and after completing a certain percentage of a survey you may be found unsuitable or not the target demographic, which can be a little discouraging. But this is all part of the ‘game’ and you just got to be a little persistent sometimes.

Nevertheless, I think if you have some time to spare, Toluna is able to serve its purpose of exchanging your free time for some kopi lui.

In similar fashion, I have included some of the rewards that are available for redemption. My personal ‘favorites’ are PayPal and the Takashimaya vouchers *no expiry woohoo!*

If any of you are interested, you can use the link here to register for an account.

Let me know if you enjoy such content and I will try and see what other tips and tricks I can share with you all!

Share with me your thoughts and comments on if you have used such survey platforms! Stay safe everyone!

On a separate note, I have started a YouTube Channel showcasing my hobbies. If you are interested, you can watch my latest video here! Any feedback, subscriptions or comments is deeply appreciated!

My YouTube Channel: LINK HERE!

My Instagram: LINK HERE!

SG FI Dad, out.

How I Earn Some Kopi Money

Ang moh way of depicting Kopi Lui (money)

This post is not about a get-rich quick scheme. Instead, it is actually quite the opposite. I have been using Milieu Surveys for around 6 months now and it is a simple way to accumulate some kopi lui in your free time. Simply do the (almost) daily surveys to get the points required. The reason why I prefer Milieu to other platforms is that the platform is easy to use and I usually don't waste 5 minutes filling up some biometric form only to find out that I am not the target audience they are looking for. Surveys on Milieu typically can be completed within 5mins or less. The downside is that you need to be patient to accumulate enough points to exchange for your rewards.

Simple and fuss-free User interface. When there is a survey, a notification is usually sent. I just check the app in my pockets of time to see if there are any updates.

Upon accumulating a certain number of points, you get rewarded in tiers for points boost. So, quicker accumulation for everyone!

There are many different types of rewards available for redemption. For those feeling altruistic, there are a few charities that you can donate to through the app. For myself, I have just redeemed $20 CASH from 18,000pts through PayNow. It takes a few days for the reward to be credited to you. But hey, I am not complaining.

This isn't a sponsored post (*Milieu if you see this, hit me up idm*). I decided to share this as some people may have pockets of time here and there that they can utilise to earn some money. Like I said earlier, this is not going to make you rich. But it sure beats being idle.

Download the Milieu Surveys mobile app:

App Store here - https://apple.co/2MmnprL

Google PlayStore here - https://goo.gl/eTHTya

When you sign up key in the referral code REgCwGS. This way you get an additional 500 points after completing 7 surveys.

Share with me your thoughts and comments on if you have used such survey platforms! Stay safe everyone!

On a separate note, I have started a YouTube Channel showcasing my hobbies. If you are interested, you can watch my latest video here! Any feedback, subscriptions or comments is deeply appreciated!

My YouTube Channel: LINK HERE!

My Instagram: LINK HERE!

SG FI Dad, out.

ICYMI: Google Pay Promo

 Just a quick heads-up to everyone who might have missed out on the Google Pay promotion. You can still get CASHBACK when you Paynow your friends or family! This promotion has been extended to 31 Oct and hopefully it continues.

You can get $5 just by signing up with your phones here! 

1. Follow the steps in the set-up guide.
2. Check that you have opted-in for Offers and Rewards when prompted; You can double check this under settings by clicking through Profile→Settings→Offers and Rewards→Toggle on Opt-In.
3. Make a payment of at least $10 through the Google Pay App.

This $10 payment can be sent to your friends and family. After you received the $5 cashback just get them to send it back to you via the App. Best of all, this is all done via Paynow and the process is very quick.

You can also receive up to two scratch card rewards for doing 2 PayNow transactions of at least $10 to two different friends/families via the Google Pay App. This scratch card may award up to $15! I have not been that lucky and received a total of a few dollars so far (free money, just take). Just repeat this process till the end of the promo (31 Oct) every week. It can be the same few friends that you transfer to. Just a quick reminder that Google's week resets on Monday at around 830am.

Remember you can sign up through this link and get $5 for free!

Share with me your other promos and tips!!

SG FI Dad, out.

How I Made $202 by Exercising in 6 Months

If you told me 10 years ago that I can be paid to do sports or exercise, I would jump at the opportunity without any hesitation. Back then, 18 year old me would probably be thinking what a chance it would be if I can make a career out of sports or be a semi-pro athlete. 

Fast forward to present me, I am employed with a young child and there are even more necessities and expenses to pay for. One tiny way I use to mitigate for the costs of diapers and milk formula, is utilising the AIA Vitality App. 

In essence, the AIA Vitality App rewards its users for completing certain health-related assessments and exercising. By exercising about 3-4 times per week, I am able to hit the exercise goal which grants me a $5 voucher and when my team completes their personal goals, I am granted an additional $5 voucher. That's $10 per week, to stay healthy.

The Vitality program currently cost $8/month. Given that I am able to redeem $40 worth of vouchers each month, it's easily a win for me. This is on top of other perks like discount on insurance policies and their merchant partners.

At the same time, NTUC Income has their Orange Health App which has similar mechanics but their range of rewards are slightly different. In a year, the amount of rewards that an individual can redeem is capped at $40. Currently, I use this app to redeem for CapitaMall Vouchers. I use this vouchers to offset some of my bullion and numismatic purchases (more on that next time).

In total, AIA: (6 months x 4 weeks x $10) - (6 months x $8)= $192

            Orange Health: $10 for 1H 2020

            Tada! $202 just from exercising.

Essentially, I see this as a win-win situation. Anyone with qualifying policies under either insurance providers or if there are apps with other providers which provides similar rewards, you should sign up.

More importantly, the grind towards financial independence will be for nothing if one overlooks his/her health and is unable to enjoy the fruits of your labour. I am grateful that even with my child, my wife and I still carve out some time for ourselves to exercise. Its equally crucial to take care of ourselves and our well-being so that we can better provide for those who are dependent on us.

Share with me your thoughts and comments on such rewards programs and if you grind/exercise for them! I'll go in-depth into each of these apps sometime in the future.

SG FI Dad, out.