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Use of easy sellers - direct referral links to build easy and fast call-to-actions,
ie, Discuss about the complications and sheer possibility of a traffic accident/ gym sports injury claim and potential impact, and followed by a product placement of a personal accident plan

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Be more sensitive and aware towards earned media and think of methods to earn it. (This testimony was FOC, but there could be a way to garner writebacks of testimonies - maybe to give 5$ grab vouchers etc.)

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Insurance is usually not a hot topic to discuss - I see below that critical illness, impairment of well-being (disability) may be an increasingly hot topic of discussion lately.

On a side note, people seem to be interested on BIG news as well - Like Singlife buying over Aviva in Singapore.

Seedly is also an online financial literacy platform - Competitor analysis.

On queries, Covid-19 insurance seems to still be a thing. "Free" is also still something that doesn't age.

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Use of Instagram Giveaway to earn followers, views and gain interest into the account after some credible information has been posted into instagram.

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Use of Instagram Giveaway to earn followers, views and gain interest into the account after some credible information has been posted into instagram.

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I will be giving away quarterly staycations to instagram followers. The whole theme of the giveaway is skewed towards a family theme, so it will be a family room with bathtub/private pool so that the family can have a good family time together. I will require the participants to key in some information including providing an email that will also be used for permission marketing.

After looking at some of the peers in the instagram field, I note that many has extremely high follow-ship but the likes are only of 0-200, which symbolise that most of the followers have been bought.

I will try to achieve a slow but organic growth of legit prospects (early family starters).

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Social Media Examiner | Social Media Marketing

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Jenn Herman / /

Wondering how to run an Instagram contest? Looking for Instagram giveaway ideas you can adapt?

In this article, you'll find tips and inspiration to help you plan a successful Instagram competition that supports your marketing goals.

What Are Instagram's Rules for Contests?

Instagram makes it relatively easy to run contests, compared to Facebook regulations that limit entry requirements and conditions.

When it comes to Instagram contests, a dominant rule to adhere to, and which most people are unaware of, is the statement of release. The following statement (or a similar one) MUST be included on all contest posts shared to Instagram:
Per Instagram rules, this promotion is in no way sponsored, administered, or associated with Instagram, Inc. By entering, entrants confirm that they are 13+ years of age, release Instagram of responsibility, and agree to Instagram's terms of use.
Be sure to insert this statement at the end of your Instagram contest caption.

Tip: If you plan to regularly run contests, consider copying this verbiage and posting it in a note or app on your mobile device for easy access for future contest posts.

Instagram requires you to run your contest legally, ensuring you don't violate any federal, state, or other laws applicable to your area. In addition, Instagram requires you to include official contest rules and terms of eligibility.

Remember that you can't tag anyone in the contest post who's not actually in the post itself, and you can't ask users to tag themselves in a photo in which they do not appear. Users can mention (tag) people in the comments of a post but can't be tagged in the actual post itself.

If you have a legal notice on your website regarding contest rules and details, you can post that link in your caption. For an updated list of the terms for Instagram contests, visit their help center.

Now that you know the restrictions and requirements for running a contest, here are the steps to take to run a contest on Instagram.

#1: Choose a Goal for Your Instagram Contest

The first step is to define a goal for your contest. For instance, you might want to:

In general, contests are a great way to grow your audience and expand your reach on Instagram. When using contest requirements to "tag a friend in the comments," as in the post above, your existing audience does the work of sharing your content with their friends. And if their friends have similar interests and like your Instagram contest, they'll enter and tag their friends too. Your follower count then grows exponentially.

If you're launching a new product or service, a giveaway campaign can be a resourceful way to drum up excitement and interest. For product-based businesses, UGC is a powerful way to generate fresh content and gain a new perspective about how your product is being used.

Instagram contests will usually boost your post engagement, resulting in multiple benefits in relation to the Instagram algorithm. With your post performing well, it may rank higher in hashtag searches, allowing new audiences to find your content. And if your audience isn't typically responsive to your normal posts but engages with a contest post, it can help bump your regular content higher in their feeds for a period of time.

#2: Plan Your Instagram Contest

Once you've chosen a goal for your contest, you're ready to plan it.

Select a Relevant Prize or Incentive to Participate

Your Instagram contest prize should be something related to your business or brand. Don't give away an iPad just to get traffic; it won't bring in quality participants who will actually benefit your business. You want to choose a prize of significant enough value to warrant the level of participation. The more valuable the reward, the more participation and participants you'll get.

To illustrate, asking people to take a photo with your product or performing an action and posting that to their profile is a big "ask" and warrants a larger prize. Conversely, asking people to like a post and tag a friend in the comments is a small request and would warrant a low-value prize.

In this example from @stickstonestyle, the prize is a leather backpack, which is a relatively expensive prize and worth the effort to craft a post to win.

Set a limit to your prize value or units available. You may recall the @sunnycoclothing Instagram contest that allowed "everyone" who reposted their photo within 24 hours to receive a free bathing suit. The campaign went viral, taking the account from 7,000 followers to over 750,000 followers overnight, but the small local company couldn't fulfill the orders for all of the free suits.

They ended up shelling out over $73,000 in refunds for shipping costs alone. Had they put a limit on the contest for "the first 5,000 people," they could have controlled their exposure and liability.

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Determine How Users Will Participate

You also need to decide how users will enter the contest. Some possibilities are to follow your account, like the post, @mention one or more other users, post something with a hashtag, go to your website, and so on. Entry requirements can be one or any combination of these criteria.

The key is to make it easy for users to participate. Limit the entry requirements to three or four steps.

In this example from @shelleywebb, entrants must follow two accounts, like the post on each account, and tag two friends in the comments of the post. These three steps are easy to follow and worth the effort to win free tickets to a social media conference.

Requiring contest participants to create content as an entry requirement ensures you'll acquire new sources of UGC that you can regram to your account (with their permission) after the contest. In addition, when your audience is out there creating content about your brand and posting it to their own profiles, their followers are seeing that content and you get the reward of added exposure at no cost.

Define Contest Rules or Conditions

Going beyond the information listed in the previous section, do participants have to be a certain age or are there certain restrictions (like U.S. residents only)?

Also decide how long the campaign will run, as well as the start date and end date. Will the campaign be 1 day, multiple days, 1 week, or 2 weeks? Numerous studies have shown that for large-scale campaigns, 1-2 weeks is the optimal length of time. If the requirements to enter involve participants sharing an image or other more time-consuming action, the campaign may need to run longer.

Select a Campaign Hashtag

Your campaign hashtag is paramount for promoting your contest and sourcing content shared as entries in the contest, as well as tracking your success and analytics. Choose a hashtag that's related to the campaign, theme, product or service, and/or your business.

The campaign hashtag should be exclusive to that individual campaign. Also make sure no one else is using it.

Hashtags for campaigns can be longer than usual but should be easy to recognize and spell. In this example from @dunkindonuts, they're using the #DDLoveContest hashtag and encouraging followers to post content using that hashtag and around the theme of their love story.

Determine How to Choose and Notify the Winner

When planning your campaign, you also need to decide how winners will be chosen and how you'll notify them. Will you use a random generator tool (free online tools are available) or will entries be judged? Will you email the winners or DM them on Instagram? Or use another method?

Once you've notified the winners, you can publicly announce them on Instagram via a campaign post. It's a best practice to inform winners privately before publicly announcing them on Instagram.

#3: Launch and Promote Your Instagram Contest

In your contest post, you can communicate your contest or giveaway with text in the image or graphic. This way, it won't be dismissed as just another photo when people are scrolling through their Instagram feed.

Choose an image that's related to the theme/content of the campaign. In your contest post caption, include the terms of entry and legal disclaimers mentioned above.

How you promote the campaign will depend on how long it will run. Decide if you'll post multiple times a day or once daily. Based on your Instagram analytics, determine the best times of the day to post (which may differ for different days of the week).

It's important to note that most contests won't go viral and generate massive results for you overnight. Your first contest may only get a few participants. If your audience isn't used to you hosting contests, they may be hesitant to enter or may not even notice it's a contest you're hosting. Repetition and consistency in hosting contests will help build momentum for your brand.

To ensure more people see the contest, cross-promote it to your Instagram Stories, your Facebook group or page, your newsletter, or in your store.

Note: If multiple people manage your Instagram account or you're managing the campaign for a client, it's important to establish who's responsible for engagement and answering questions related to the campaign.

#4: Evaluate Instagram Contest Results

Track the results of your contests to measure the participation, increase in followers, clicks to your website, and other criteria. You can begin to compare the data from each contest to determine which types of prizes, the times of the year, the content, and the types of participation that drive the best results for your business, based on your individual goals.

When the contest wraps up, I recommend that you edit your post caption to read "Contest CLOSED" at the very beginning of the post. This will ensure that users who see the post after the contest has expired won't attempt to participate.
Click here to discover four tips for successful social media contests.
What do you think? Are you excited to try an Instagram contest? Have you run a contest before? Please share your thoughts or tips in the comments below.

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How to Do an Instagram Giveaway: Ideas and Tips

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Jenn Herman / / Wondering how to run an Instagram contest? Looking for Instagram giveaway ideas you can adapt? In this article, you'll find tips and inspiration to help you plan a successful Instagram competition that supports your marketing goals. Instagram makes it relatively easy to run contests, compared to Facebook regulations that limit entry requirements and conditions.

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Landing Page should have an email/newsletter subscription.

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Landing Page should have an email/newsletter subscription.

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Use permission marketing instead of spamming for higher email marketing ROI.
This should come in line with good and quality content and posts to ensure organic traffic growth into the page.

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sav.finance instagram.

To create useful content for the family persona - the mum and the dad. Be extremely family centric and differentiate myself with other financial blogs/content for family planning content.

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Celebrating milestones with friends/clients and using Instagram to create a medium where clients can post/repost about the interactions with me. (This method could only be workable for clients who are social media users and are willing/active enough to thank you with this medium.)

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The Rise of Personal Finance Bloggers and Websites

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The Rise of Personal Finance Bloggers and Websites

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Statistics and trend is showing that more and more millennials are turning to online media mediums for financial information or basically for all their information. There is a need to provide accurate honest financial advice and strategies rid of salesman pitches or that are not as knowledgeable.

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How do you make personal finance shareable for the Instagram generation? Replace jargon with relatable comics and a conversational tone to ensure financial literacy for Singaporean millennials, as some bloggers have done.

(Updated: )
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SINGAPORE: Ever since personal finance blog The Woke Salaryman put out its first article last year - about the most important things to do to save S$100,000 by the age of 30 - its rise in Singapore's personal finance landscape has been meteoric.

And it started with an observation by one of its co-founders, He Ruiming, when he was working in advertising.

"(My industry peers) were going to claw machines, buying sneakers, indulging in S$7 coffee every day," he recalls. "Many creative people like to spend money on stuff that we wear as badges of identity - like, 'oh this is me, I drink cold brew every morning.'"

Whenever He shared "useful" articles on personal finance with these creative folk, he was told the articles from established voices on the scene, such as the Seedly community, were "so boring".

That was when he realised there needed to be a "really low bar" for personal finance - a platform "so accessible" that "even if you were a coffee-drinking, sneaker-buying person from advertising, you'd be able to relate (to it)".

But when The Woke Salaryman was born, even he and co-founder Goh Wei Choon, both 31, were taken by surprise by the "insane" reaction to their first post, which received 6,000 shares on Facebook within a few days.

Today, The Woke Salaryman commands around 171,000 followers on Facebook and 114,000 on Instagram.

It was the same with Dawn Cher, who runs SG Budget Babe. She first rose to prominence with her blog entry about saving S$20,000 in her first year of work on a monthly salary of S$2,500.
FINANCIAL LITERACY, WHERE ART THOU?
During the past few months, bloggers like them have noticed an increased interest in investment-related topics. And with Singapore sinking into recession owing to the COVID-19 pandemic, personal finance platforms like theirs have never seemed more pertinent, especially to millennials.

Two in three working Singaporeans do not have sufficient savings to last them beyond six months if they were to get retrenched now, according to an OCBC survey conducted during the "circuit breaker".

In such cases, they might "roll over credit card debt and default mortgage loans to some extent", which would be "the worst thing that can happen, because credit card debt is the most expensive debt you can have", says OCBC executive director of investment strategy Vasu Menon.

The survey, which polled 1,000 working adults aged 21 to 65 and earning S$2,000 and above per month, also found that 40 per cent of respondents planned to pare down their investment portfolio.

"A crisis is the best time to ask questions, because the crisis is a stress test to some extent. And this will come through in the survey results," adds Menon.

The seeming lack of financial prudence among Singaporeans, however, does not mean a lack of curiosity about personal finance.

Menon receives occasional questions about the markets from "eager" undergraduates on LinkedIn. Personal finance bloggers might satiate their "thirst for knowledge", he says, as these bloggers "have the ability to write things in a more engaging way".

But for everyone to benefit, the Davids and Goliaths of the finance ecosystem must work together. The banks' role, he adds, is to "offer a sanity check", ensuring these bloggers write sense.

Similarly, according to MoneySense, the Monetary Authority of Singapore does not shy away from working with financial blogs such as Dollars and Sense, and even lifestyle platforms like The Smart Local.

These efforts complement MoneySense, which infuses financial education into schools, from primary and secondary levels all the way to the Institute of Technical Education and polytechnics.

Bloggers are also able to provide nuanced insights about their readers, which can come in handy for financial institutions during a crisis.

"The larger the ecosystem, the better the awareness of financial literacy. If these sites keep saying financial literacy is very important, we can (even reach) the unconverted," says Alvin Chow, 36, the founder of financial education company Dr Wealth.
KEEP IT SIMPLE, KEEP IT REAL
"It's also a reflection of demand and supply. When you have endless blogs about finance, it means there's demand."

With the gamut of personal finance blogs and platforms at one's fingertips, those that cut through the noise have replaced stuffy branding with illustrations or snazzy stock images, quirky videos, sleek layouts and a conversational tone.

But the rebranding is not merely aesthetic. Firstly, successful blogs like The Simple Sum manage to simplify jargon.

With 85 per cent of its target audience ranging from 20 to 34, its podcasts and comics aim to empower them through casual language. For instance, deciding whether to get a credit card should not be overcomplicated.

"Find a card that won't make you upgrade your lifestyle. (If) you're spending money to save money, does that make sense?" says Xu Yuanduan, the platform's content lead.

Secondly, maintaining accessibility requires some degree of transparency about one's personal circumstances, although this leaves others room to pass judgement. Cher, for example, took flak from disbelieving readers when she shared her saving efforts in her first post.

But Cher says she goes Dutch with her husband (then boyfriend), gives her parents an allowance, handles their insurance and makes her own coffee.

Whether readers think her stingy or not, she continues to dish out "timeless" tips that apply to everyone, such as making sure that one has a well-covered insurance plan.

"Whether you're my fan or sceptical of what I say, you can't deny that you need to be insured. If you go ahead and choose not to have hospitalisation insurance, when you're hospitalised, you'll have to (take) the consequences," she says.

Finally, "keeping it real" requires bloggers to understand the layman so they do not write in a void.

Understanding, for example, that people were looking for ways to make money while at home during the circuit breaker, Cher blogged about how to earn side income. It garnered about 18,000 views, making it one of her more popular posts.
NOT JUST ABOUT MONEY
The Woke Salaryman's co-founders think up their ideas, but they also "look within the community" or "ask friends who know someone working within specific industries", because they "don't want to pull anything out of (their) asses", says He.

Successful finance blogs also help readers realise that personal finance does not revolve solely around dollars and cents.

Jeraldine Phneah, 29, blogs about issues impacting her generation, like the cost of living, work-life balance, lessons she learnt during her first five years working as well as the environmental and financial benefits of embracing minimalism.

The 29-year-old, who runs JeraldinePhneah.com outside her full-time job in technology, has also received COVID-related career questions: Whether it is the right time to switch jobs and how people can future-proof themselves.

During the circuit breaker, she conducted a webinar on how millennials can optimise their LinkedIn profile to be found by recruiters, and another on networking tips for beginners and introverts.

She also discussed how her readers aged 25 to 34 can navigate a job market "disrupted by technology".

"Many people tend to associate IT skills with big data and coding. But it's more about understanding where your industry is headed and how you can align yourself accordingly so you add value to employers," she says.

This could mean exploring a new software that is specific to one's industry and improves one's productivity.

Essentially, financial advice is life advice.

On any personal finance journey, keeping one's mental health intact is important, shares He. If a job causes severe distress and you can afford a break, he recommends living off your savings for a while before starting the job search.

As a result of The Woke Salaryman's non-judgemental approach, He and Goh get younger readers opening up to them about issues like racking up debts through purchases in online games.

Recently, a post of theirs about moving out in one's 20s gained them 10,000 Instagram followers within a week.
ACKNOWLEDGING PRIVILEGE
The Woke Salaryman's values are aspirational, they clarify, lest there be any fear that one must adopt a spartan life. "We're normal people. We don't eat instant noodles every day or eat only rice and beans," says He.

He and Goh are well aware that privilege underscores an individual's perspective towards money. Putting the "woke" in The Woke Salaryman, they have no qualms about addressing how inequality influences personal finance.

They acknowledge that "a portion of Singaporeans won't find (their) content helpful" because "systemic poverty makes it harder for them to overcome their circumstances".

"You can tell people to save 20 per cent, spend 50 per cent and use 30 per cent for your needs or whatever, but not everyone's created equal," says He. "These ratios won't apply to everyone."

Goh adds: "We always preach ... long-term decisions, but not having enough money in the household makes it extremely difficult to make such decisions."

For their largely middle-class readership, The Woke Salaryman advocates the "right mindset", which can be developed with "emotional maturity and discipline".

But the idea of wealth "shouldn't be monopolised by a few classes", adds He, who would like to see, say, a graphic designer be financially free one day.

In a similar vein, Providend chief executive officer Christopher Tan, 50, says knowing his clients' background helps him to better understand their relationship with money.

"If someone comes from a family that's been destroyed by poor financial decisions like investing in the stock market ... naturally they'd (view the stock market through) certain lenses," he cites.

"I've also spoken to clients who came from very poor families but are financially wealthy today. They don't dare to spend a single cent, because they're afraid of not having money again. And that affects their way of investing. They become very conservative and put all their money in a bank."

Although Providend mainly handles clients in their 50s who do not turn to personal finance bloggers, more of them have approached him to speak with their millennial children about the importance of "financial resilience" for the road ahead.
ARE MILLENNIALS ACTUALLY SOLD?
He has similar advice on perusing personal finance blogs. "We need to ... take into context (the bloggers') upbringing," he says.

Some millennials, however, have not bought into the hype surrounding personal finance bloggers, even as they understand the need for financial literacy.

"They're a useful source of information, but I don't think anyone should treat their advice as gospel," says Wu Bingyu, who works in a production company.

The 29-year-old turns to his mother for financial advice because she used to work for the Inland Revenue Authority of Singapore (Iras). But he also does his own research for a more well-rounded understanding.

Likewise, if theatre director Adeeb Fazah is not seeking financial advice from his peers who share similar circumstances, he sieves through information on his own.

"As a freelancer, CPF and Iras are things I need to figure out. Starting was hard because ... it felt like I was plunged into a deep whirlpool of information," says the 28-year-old. "I'm getting the hang of it."

However, The Woke Salaryman, whose initial target demographic would have included creative folk like Adeeb, does not quite cut it with him.

"As long as I don't fit into their version of a working person, which I definitely don't, then the advice won't be suitable, and I'd only feel bad about not hitting the goals they set," he reasons.

"It makes me feel like an awfully unaccomplished fool."

Those who see the benefit of personal finance bloggers make it clear that it is important to do one's homework as well.

Whenever 28-year-old Alexander McColl seeks financial advice, his research process begins with "a billion tabs" open on his web browser because "it's useful to build up your 'google-fu' to know where to find answers".

"If I think I've got a pretty good sense of things, then I go ahead and do what my well-fed intuition tells me," he says. "If there's still a feeling of uncertainty, I'd go to friends who seem to know their stuff."

It helps him to think of personal finance as "compulsory", because it is like "a test you have to pass on the road of adulthood".

For bloggers, the mark of effectiveness could still be in getting creative folk - the ones who inspired The Woke Salaryman and embody the cliche that creative people hate numbers - to be engaged.

For example, filmmaker Cheng Chai Hong considers himself "fairly financially illiterate" because he never saw wealth accumulation as a goal. But the most useful financial advice the 30-year-old received was from He of The Woke Salaryman.

"He said saving money isn't solely for wealth accumulation. The more money you save and have in passive investment, the easier you can say no to bad deals or unhealthy workplaces," says Cheng.

Then there is Jemimah Wei, a writer and Master of Fine Arts (MFA) student at Columbia University. She knew she wanted to be a writer, which "doesn't make bank", so she planned for the long term.

"You don't need to go abroad for higher education, nor is an MFA a prerequisite to be a writer, but I very desperately wanted that kind of mentorship and writing community (at Columbia)," says the 28-year-old.

"I didn't think I could afford an education abroad, so I worked towards the specific scholarships that would make that reality possible."

Despite being goal-oriented, she felt that money talk was reserved for the realm of bankers and business whizzes. But bloggers like SG Budget Babe and The Woke Salaryman helped her "bridge that gap between the garble of financial literature and layman understanding".

"Many artists don't want to deal with the money, the business side of things. But not dealing with it is a kind of mental shackle as well. It's directly linked to stress and opportunity and time, which affects the quality and production of your work," Wei says.

"Money, more than anything, is mental freedom and time that you can devote to the work you want to do."

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The rise of personal finance bloggers, out to save financially illiterate millennials

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How do you make personal finance shareable for the Instagram generation? Replace jargon with relatable comics and a conversational tone to ensure financial literacy for Singaporean millennials, as some bloggers have done.

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@thefamilyadviser