February 21, 2018

Posted from: http://www.moneydigest.sg/you-must-adapt-these-habits-of-wealthy-people/

#1: IMBIBE A MOTIVATIONAL MANTRA

In the hustle and bustle of the city, it is easy to absorb the load of the tasks at hand. Getting distracted with other elements lets you lose the connection between what you are doing and what you are feeling. Many people combat this by practicing Mindfulness. Mindfulness is the practice of purposeful directing your attention to the present and accepting everything without any judgment.

Motivate yourself during the practice by following a mantra. Firstly, you must search within to uncover what inspires you. Secondly, you must create a positive statement that you will repeat (to yourself) every morning. Lastly, you must breathe deeply and relax.

#2: THE EARLY BIRD CATCHES THE EARLY WORM

Admit it! You may be experiencing an endless cycle of clicking the coveted snooze button. Trying to escape the alarm clock may lead to waking up late. Imagine rushing to work because you only have 20 minutes left! This habitual procrastination is costing you. Not only are you at risk of coming late, but you are diminishing your sense of control. Furthermore, you tend to forget things when you are rushing.

According to Tom Corley, the author of “Change Your Habits, Change Your Life”, nearly 50{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} of his wealthy participants get up at least 3 hours before their work starts. Having extra time to prepare allows them to set a right frame of mind.

#3: MAXIMIZE YOUR BRAIN’S BANDWIDTH

The luxury of having multiple options can lead to exhausting your brain’s bandwidth. If you used up your energy on a series of small decisions then, it would be harder for you to process big decisions.

As an avid follower of the Silicon Valley, you probably noticed that Facebook’s Mark Zuckerberg is mostly into grey shirts. His primary reason for his limited closet is to minimize his decisions each morning. Similarly, Apple’s Steve Jobs wore his renowned black turtleneck top and jeans. Influential people focus most of their energy toward productive elements.

Another upside of keeping your wardrobe simple is its ability to help you save money. You do not have to wear the same shirt or same outfit everyday! Just avoid hefty designer clothing by purchasing basic clothes from thrift shops or year-round sales.

#4: BENEFITS OF A BOOKWORM

It has been long accepted that reading books can bring excellent benefits. Said benefits include widening your vocabulary and exercising your imagination. Incorporating literature into your bedtime routine is healthier than scrolling thru the sea of social media.

Before you pick the latest romantic or crime novel, I have a tip for you! Mr. Corley suggested that 85{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} of his wealthy participants prefer books that focus on self-improvement. They read at least 30 minutes per day. Achieve more by reading about helpful skills, rather than reading solely for entertainment.

#5: TURN YOUR FANTASY INTO REALITY

Research showed that spending at least two minutes for goal-oriented visualization and positive thinking can improve your mood and focus throughout the day.

I am a firm believer of meditation and its ability to shift your thoughts. Spare some time for this and your “quiet reflection”. During this reflection, you must map out your week and contemplate on your future goals. Do not limit yourself to financial goals! Take notes, if necessary. Follow these notes to ensure that you will be more efficient.

#6: SET SMART FINANCIAL GOALS

Wealthy people develop a habit of financial goal setting on their own or through professional help. Apply the same ideal by writing down your financial goals with a witness (e.g., spouse or a close friend) and contemplate the monetary milestone you would like to accomplish in the next 2 to 5 years.

Do not forget to track down your monthly progress!

Sources: 1 &2

Posted from: https://singpromos.com/dining-restaurants-food/starbucks-launches-new-spring-merchandise-inspired-by-japanese-cherry-blossoms-from-21-feb-2018-214344/

Starting today, welcome Spring with an irresistible range of drinkware dressed in gorgeous shades of pink with delicate water color paintings inspired by the iconic blooms of the season….read more @SINGPROMOS.COM

Posted from: http://www.moneydigest.sg/which-credit-cards-are-the-best-for-holiday-shopping-in-singapore/

With the onset of the Christmas season, Singapore nationals will soon start spending big on gifts, decorations and more both online and offline. As a result of this enhanced spending, people will be dependent on their credit cards. During this season, many banks also come up with rewards and promotional offers. One practical step to reduce the effect of your holiday expenditure is to judiciously use credit cards to earn miles and points.

There are some who like to shop online while there are some who prefer going to a store. In Singapore, it is certainly worthwhile to use the right card for holiday shopping. With substantial rewards, credit cards will help you make the most of your money assuming you pay off all your debts on time.

Cards with additional categories on shopping

Cards that offer bonus points on shopping provide faster earnings for particular types of purchases. For example, 5{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} cashback or 25 miles for every dollar spent on purchases made at online retailers and stores. During the last couple of months of the year, these credit cards take advantage of holiday spending by offering incentives on purchases made at retail stores with rebates, reward points and additional perks.

So if you are looking to apply to any of these cards, you must first consider how frequently you shop. Many cashback cards that banks introduce during the holiday season have a minimum spend requirement. So, such cards will not be useful for infrequent shoppers. They should rather opt for more generic cards with good overall rewards rate.

Cards with welcome offers

Many banks also offer cards with sign-up bonuses. And, it is also a useful method to make the most of getting returns on your additional holiday spending. There are cards that offer welcome bonuses worth up to S$400, but to get that, you may have to spend big in the beginning. For example, several cards call for a minimum spending of worth thousands of dollars during the first couple of months to be in the running for the bonus miles and points.

While it may seem to be a huge amount, a regular customer is expected to purchase gifts and clothes worth thousands of dollars during the holiday season. For those who cannot afford to spend a hefty amount, there are several budget-friendly offers such as S$100 cashback when you spend $500 in the first month.

Cards with 0{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} APR

If you have done too much shopping and you have overshot your credit limit and the balance at the end of the month is overwhelming, a credit card with 0{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} APR will come to your rescue. A card with a 0{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} APR on recent spending for a fixed time can help you fund your holiday expenditure.

Such cards will have no interest rate on recent purchases made in the last 3 to 12 months. This will give you enough time to pay your holiday expenditure without any interest.

Let us now take a detailed look at some of the most popular shopping credit cards both online and offline:

DBS Black Card

With DBS Black Card, you will get the following shopping benefits:

• Opportunity to earn cashback on shopping done overseas.
• 5{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} cashback on shopping at stores for personal care, furnishings, electronics and more.
• 5{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} cashback on shopping for groceries, bags jewellery, shoes, clothes and more.
• Offers 0{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} APR.

However, you will have to spend a minimum of S$700 every month to get the cashback on relevant categories and there is a cap of S$70 per month with cashback on this card.

Citi Rewards Card

With Citi Rewards Card, you will get 10 rewards points for every dollar spent on bags, shoes and clothes. You will get to earn rewards points even for shopping done overseas. However, the points that you will earn are capped at 120,000 points every year and will remain valid for five years.

OCBC Robinsons Group Credit Card

With OCBC Robinsons Group Credit Card, you will get the following shopping benefits:

• 5{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} rebate at 18 retail brands.
• 10{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} rebate on shopping worth S$5,000 at Robinsons and Marks & Spencer.
• No cap on rebates.
• Rebates are applicable over and above the prevailing discounts and promotions.

 

Posted from: http://www.moneydigest.sg/fly-luxuriously-and-affordably-with-cheaptickets-sg/

Extend your holiday period even after the Lunar New Year holiday has passed. CheapTickets.sg, a popular online travel agent, is giving you amazing travel deals for you and your loved ones with Korean Air, a world leader in the airline industry!

From 20th February 2018 to 20th March 2018, enjoy $50 flight discount on Korean Air flights to any of the Korean Air destinations, ranging from the beautiful South Korea, incredible Japan, amazing USA and lovely Canada, among many others.

Simply key in the discount code “KOREANAIR50” upon checkout on CheapTickets.sg and you’re all set!

Furthermore, a flight with Korean Air is a flight on one of the world’s most comfortable and luxurious airlines. From start to end, you’ll be treated like a VIP, regardless whether you’re a economy, business or first class guest.

Enjoy the amazing line of in-flight meals, prepared exquisitely for each passenger, in-flight entertainment options and attractive discounts within and beyond South Korea, ranging from discounts on F&B outlets, attractions tickets and more!

If you’re intending to fly to Seoul, South Korea with Korean Air, you can enjoy a ticket for only $594 if booked before 28th February 2018. Travel period is from now up till 24th May 2018.

And that’s not all – Korean Air flies to over 100 destinations worldwide, so you can still get the best deals and discounts no matter where you go.

Fly beyond Seoul with Korean Air and stand a chance to win a pair of Incheon Airport Transit Lounge Tickets (limited to just 15 pairs of tickets)

Just look at some of the possible destinations for your next holiday getaway!

What are you waiting for? Don’t miss out on these fantastic deals! Offer ends 20th March 2018 so hurry and book your tickets today to claim your $50 off! Refer to this website for more information today.