February 19, 2018

Key Signs You May Be Heading for Bankruptcy and Not Even Know It

Posted from: http://www.moneydigest.sg/key-signs-you-may-be-heading-for-bankruptcy-and-not-even-know-it/

When you hear the word “bankruptcy”, you might have found yourself forming a mental image of a destitute and homeless person begging for money on the street while carrying a sign that says, “Will work for food”. While it might sound a bit too extreme for an outcome of bankruptcy, the stigma surrounding the term itself isn’t entirely unfounded as bankruptcy usually serves as a last resort measure that a person considers only when all other options for repaying the money owed from a creditor have already been exhausted. Thus, you would want to avoid heading straight into bankruptcy as much as possible by knowing some of the key signs that you should watch out for so that you can try your very best to remedy them before it’s too late.

What Are Some of the Key Signs That You May Be Heading for Bankruptcy Without You Even Knowing It?

While it’s completely normal to incur debt from a creditor as long as you can commit to timely repayment of the money that you borrowed from them, you might have taken up too much debt so that you’re unable to get through a single day without thinking of how you can pay your creditor back. As much as you’re putting off the idea of filing for bankruptcy, if your debt has grown to become increasingly unmanageable that you could barely settle it yourself, you would want to identify these key signs that you might be headed for bankruptcy without you even knowing it:

You’re making only minimum payments for your credit card.

Every credit card billing statement has a minimum amount due, but it doesn’t mean that you shouldn’t aim to settle your credit card’s entire outstanding balance on a monthly basis.

Unfortunately, some credit card holders pay only the minimum amount due every month as they feel that it’s more convenient for them since it usually costs less than their credit card’s total amount due.
When you’re settling only your credit card’s minimum amount due, a huge portion of it goes to interest with the remaining small amount serving as your actual payment to be deducted from the outstanding balance.

You’ve been taking out loans from your retirement account.

Often considered to be a rainy-day fund, the balance of your retirement account shouldn’t have a single deduction in it since you’ll be using it for when you’re required by the law to retire from your job due to old age.

However, you might be tempted to take a small loan out of your retirement account if the entire balance of your bank account isn’t enough to repay your debts.
While using a retirement account loan to pay back the money that you borrowed from your creditor might seem like a brilliant idea at first, you would have to deal with the need to deposit money back into your retirement account every month as well, which only adds to your existing debt problem.

You’ve been receiving calls from a third-party agency that your creditor had hired to collect your debt.

If you still haven’t paid back the money that you owe your creditor several months after you borrowed from them, they would entrust the collection of your outstanding debt to a third-party agency who might not take to your situation as kindly.

A debt collection agent would gently remind you at first over the phone to settle your debts, but if you still bail out on it, they might start making increasingly urgent and sternly worded calls to break you into paying back the money that you owe your creditor.
Worse comes to worst, your creditor might file a lawsuit against you that would require your employer to withhold a certain portion of your wages and send it as repayment of your debt.

If you find yourself unable to manage your finances properly you may have begun to feel that you can’t repay your debts on time. This situation only leaves you with more debt that you’re unable to keep up with it, and you might have started swallowing your pride and looking into filing for bankruptcy. However, it would greatly benefit you if you can read the above-listed signs to watch out for if you’re heading into bankruptcy without even knowing it so that you can address and resolve them immediately. To help you decide more clearly on what to do when faced with insurmountable debt, you should talk to a lawyer who can assist you in mitigating the ill effects brought about by those signs that might be telling you to file for bankruptcy and what you would need to do in case bankruptcy is the only solution left for you to wipe your slate full of debt clean.

Veronica Ferguson is equipped with more than 20 years of experience as a businesswoman. She is currently writing her next big project and hopes her pieces would impart vital knowledge to her readers. Veronica is a family woman, and is often with her family during her free time.

Disclaimer: The information presented below is meant to serve as a guide on some of the key signs of bankruptcy that… Read More

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Scoot: Promo sale fares to over 20 destinations one-day promo! Book on 20 Feb 2018, 7am to 2pm

Posted from: https://singpromos.com/airlines-flights/scoot-promo-sale-fares-to-over-20-destinations-one-day-promo-book-on-20-feb-2018-7am-to-2pm-214305/

Harbin there, done that? Scoot there from $169!! Fly to over 20 destinations with Scoot’s one-day sale and more promo fares tomorrow, Tuesday, 7am – 2pm with Scoot’s one-day promotion….read more @SINGPROMOS.COM… Read More

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Don’t Say Bojio: 1-for-1 Half Slab Sticky Bones at Morganfield’s (Till 31 March)

Posted from: http://goodyfeed.com/dont-say-bojio-1-1-half-slab-sticky-bones-morganfields-till-31-march/

While I was on my way to work this morning, I realized that most people out there are still enjoying the Lunar New Year break.

How did I know?

Well, for starters, I wasn’t a piece of deformed sardine when riding the bus today. Secondly, people were happily chatting away, still wearing their fanciful New Year clothing.

So, yeah. You can imagine how horrible it was for me. But such is the life in this industry—what to do, right?

While I was contemplating if I should take MC today or something, I received a message from my editor, telling me to write about this:

Image: hungrygowhere.com

GOODBYE, POST LUNAR NEW YEAR BLUES, HELLO BEAUTIFUL MONDAY!

Morganfield’s now having a 1-for-1 promotion for their Half Slab Sticky Bones from now till 31 Mar 2018 for Singtel customers! The promotion will be available at the following outlets:

Orchard Central
Star Vista
Suntec City
Vivocity

For the uninitiated, Morganfield’s a great place to visit if you’re looking to sate your ribs craving! Don’t believe me? Check out their menu over here!

For the promotion, you get to choose from Hickory BBQ, Kansas Sweet BBQ, Smoked Peppercorn, Garlic BBQ, Spicy Asian BBQ flavours!

And as usual, terms and conditions apply for such a great offer!

Image: knowyourmeme.com

Terms & Conditions:

Reservations must be made through http://hungrygowhere.com/singtel-exclusive & Singtel customers must select “Singtel Exclusive” promotion.
Promotion starts from 2nd Feb to 31st Mar 2018 excluding block-out dates from 14th Feb – 18th Feb 2018.
Promotion is valid from Sundays to Thursdays only.
Booking size of 2 – 10 persons only. Limited sets only, while stocks last.
No splitting of bill allowed.
Valid for dine-in only.
Not valid with other discounts, promotions, vouchers.
Redemption will be rounded down for party size in odd numbers e.g. 5 person gets 2 redemptions
Non-exchangeable for cash.
The Management reserves the right to change the terms and conditions or cancel any promotions at any time without notice.
Singtel shall not be liable in any way whatsoever for any matter arising from, relating to and/or attributable to such products and/or services.
Singtel reserves the right to terminate, suspend or cancel (in whole or in part) this promotion.
In the event of any dispute, the decision of Singtel is final. No correspondence will be entertained.
Singtel reserves the right to replace this promotion/redemption with items of similar value at its own discretion without prior notice.
Singtel reserves the right to amend these terms and conditions of redemption from time to time without prior notice and without any liability.
Terms and conditions of Singtel and/or any other third parties may apply in addition to these terms.
Singtel’s General Terms and Conditions of Service(s) shall apply. It can be found at www.singtel.com (“General Terms”) and may be amended from time to time.at www.singtel.com (“General Terms”) and may be amended from time to time.

*Cough* That was a real mouthful *Hack*

Well, looks like the New Year spirit’s sticking around for a bit longer all thanks to the Half Slab Sticky Bones! Geddit? Sticky Bones? Gedit? Hehehe…

(I’m not sorry you had to begin your post-Lunar-New-Year workday with such a horrible pun)

Always quarrel with your bae? Then you need to watch this video and learn this trick on how to resolve arguments without any compromise or apology (and also subscribe to Goody Feed YouTube channel):

[youtube https://www.youtube.com/watch?v=videoseries?list=PLoa9nNa48ZVWkWQTqpjsUuSV2JldQluXY&w=696&h=392]

This article was first published on goodyfeed.com

Read Also

Don’t Say Bojio: Free $10 Voucher for any $80 Purchase in BPP & Lot 1
10 Facts About 财神爷 You Need to Know So You Can Huat This New Year
5 Best Steakhouses to Try in JB for True Meat Lovers

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Featured image: Morganfield’s

The post Don’t Say Bojio: 1-for-1 Half Slab Sticky Bones at Morganfield’s (Till 31 March) appeared first on Goody Feed.

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Air Asia Go: Grab a 3D2N vacation fr $90/pax (Hotel + Flights + Taxes)! Ends 4 Mar 2018

Posted from: https://singpromos.com/vacations/air-asia-go-grab-a-3d2n-vacation-fr-90-pax-hotel-flights-taxes-ends-4-mar-2018-214308/

Air Asia Go is having a “Let’s GO Holiday!” promotion featuring 3D2N packages (Hotel + Flights + Tax) from just S$90/pax. Destinations include Thailand, Malaysia, Indonesia, Cebu, South Korea and Japan…read more @SINGPROMOS.COM… Read More

Air Asia Go: Grab a 3D2N vacation fr $90/pax (Hotel + Flights + Taxes)! Ends 4 Mar 2018 Read More »

Seasonal Tastes at Westin Singapore: 1-FOR-1 dinner buffet with DBS/POSB cards! Ends 31 May 2018

Posted from: https://singpromos.com/dining-restaurants-food/seasonal-tastes-at-westin-singapore-1-for-1-dinner-buffet-with-dbs-posb-uob-cards-from-18-feb-2-mar-2018-213634/

Enjoy 1-for-1 dinner buffet at Seasonal Tastes The Westin Singapore with DBS/POSB cards! Continue the festivities from 18 February to 2 March 2018!…read more @SINGPROMOS.COM… Read More

Seasonal Tastes at Westin Singapore: 1-FOR-1 dinner buffet with DBS/POSB cards! Ends 31 May 2018 Read More »