March 29, 2019

Lobang from: https://singpromos.com/warehouse-sales/oto-massage-chairs-and-other-products-warehouse-sale-from-30-31-mar-2019-226204/

The long-awaited OTO Warehouse Sale is back!…read more @SINGPROMOS.COM

Lobang from: http://www.moneydigest.sg/tips-for-a-debt-free-future/

Many individuals begin their educational career repeating this mantra over and over: “I will not accumulate debt. I will not accumulate debt. I will not accumulate debt.” No matter how many times you say it, it still doesn’t change the fact that a large percentage of individuals find themselves in debt for most of their early adult years.

Investing in your education and career early on can be the difference between a long, beautiful career, and a series of short-term jobs that you “settle” on. But getting to that long-term career can be incredibly difficult when you are living with debt. This debt can come from a loan taken out to finish a master’s degree, or to open up a business, or a myriad of other things.

There are ways to avoid and subvert these debts that stick with you for years after your educational career ends. Here are some of the top tips compiled to help you live your adult life debt-free.

1. Let Your Money Earn Money

One of the surefire methods of securing financial success is investing in yourself, which is a phrase I use to describe the act of putting money in a bank account. Taking out some low-risk investments to grow your money gradually is a great way to keep up with interest rates that are simultaneously growing your debts.

By putting your money into an account, you are able to let your money earn money for you. Saving while leading up to taking out a loan can be a great way to set yourself up for being able to pay off the loan in a timely manner. The more money you are able to save, the more that money can earn for you over time.

2. The Benefits of Stock Loans

You’re obviously going to do some research when you take out your first loan. You’ll want to take out a loan without exorbitant interest, but that can still support the amount and duration that you need in order to effectively use that money to secure your future or your education.

Many who would like to make investment decisions risk losing money if those investments fail. This is why they make use of stock loans. With companies like Easy Stock Loans, investors can put up their stock as collateral in order to make more investments and increase their revenue without having to spend or risk defaulting on the loan.

You can find more information on the Easy Stock Loans website about how to make financial moves using your own stock as collateral. You could be making more money without even having to lift a finger!

3. Work Smarter AND Harder

Many university students get themselves a job in order to offset the cost of tuition and fees for their education. These jobs though can end up exhausting them, resulting in less successful grades and results. The outcome is that their post-grad prospects don’t look as stellar. These jobs are also often by-the-hour jobs, meaning that better work doesn’t necessarily equal more money.

Finding a salary or commission job while in school is difficult, but not impossible. This step is a huge investment in your future, and an asset to your education and finances. Online and remote work is one of the best ways to do this. Working online also means that you can choose your own schedule, so you can work around your schoolwork and obligations.

A Debt-Free Future

While it may be difficult to utilize every opportunity to save money and remain debt-free, even just implementing one of these things can make your life much easier in the short and the long term.

You shouldn’t have to live with overwhelming debt as the price to pay for a good education, a leg up on your future, or a new business venture. We know how hard it can be to feel secure in your finances, but these few simple steps are a start toward a brighter future.

 

The post Tips for a Debt – Free Future appeared first on MoneyDigest.sg.

Lobang from: http://www.moneydigest.sg/4-pro-tips-for-designing-your-new-home/

This is it! You’re about to take the plunge and build your first home from the ground up. But before you break ground, you’ll need to spend some time working on your design. Whether you are a new home buyer or a seasoned veteran, here are 4 tips for designing your new home!

1. Assemble Your Team First

Before you begin the process, you need to make certain to assemble your design team. This can include your interior designer, contractor, architect, etc. If you are unsure how to find this team, ask around for personal recommendations within your circle. Always make certain to ask homeowners that experienced a project on a scale similar to your own!

If you’ve already found a contractor, make certain to check their input as well: in most scenarios, they already have a trusted professional circle of artisans and tradespeople.

2. Get Everything in Writing

This may seem obvious, but you need to make sure that each and every specialist is working off a contract. Building houses is a complicated and messy business. You need to arm yourself for any future calamities.

It doesn’t matter if you know the builder, or if they have a trustworthy aura; this is a business relationship. As an employer, you need to protect your employee and yourself from possible delays and mistakes.

Most professional contractors will provide a legal contract. Make certain to have your lawyer thoroughly examine this before you sign it. If your contractor does not provide said document, it is up to you to draw up the paperwork. Make certain that the contract includes specific deliverable dates and costs, and create a contingency plan in case things go wrong.

3. Design for Details

During the design process, you need to take into account the minute details of the house. It’s easy to be blinded by the grand scale of your project and forget about the smaller things. It’s understandable: designing Dutch thatched roofs will always seem more interesting than your basement insulation materials.

However, these unseen details are important to remember. Although the world will see the grand facade of the house, you will see its smallest details on a daily basis. You will experience and live this detail for decades. This is why it’s crucial to think on a smaller scale.

This scale includes deciding where electrical outlets need to be, ensuring each room has access to ample lighting, and making sure the kitchen is close enough to the water heater. Check with your contractor to ensure everything in the design is up to code. They have undergone multiple types of exams and countless building projects: this allows them to find flaws that are nearly invisible to the untrained eye.

This may seem tedious, but it’s worth it. If you put the leg work in now, you can save yourself a whole lot of grief in the future.

4. Consider the Future

If you are going to design a house, make certain that you are creating it for every possible version of yourself. This means that you must design for your present self and for your future as well!

Remember, a house is a semi-permanent fixture of your life. The average mortgage loan term is thirty years. As such, you should design your home as something that will be inhabited for that period of time. For example, a spiral staircase may be easily maneuvered now. However, thirty years in the future, it may pose a mobility problem.

Take into account any possible lifestyle changes. Do you have children? If not, do you see them in the future? Are there elderly family members who will be moving in with you? All of these scenarios should be considered and accommodated. By factoring the future into your design, you can create the perfect home that suits you at every stage of your life.

The post 4 Pro Tips for Designing Your New Home appeared first on MoneyDigest.sg.

Lobang from: https://www.greatdeals.com.sg/2019/03/28/gardens-by-the-bay-floral-fantasy-sneak-peek

A new attraction is set to unveil at Gardens by the Bay this mid-April.

Called the Floral Fantasy, it is the latest thematic attraction located inside the new Bayfront Plaza at Gardens by the Bay and will feature flowers, artistry and technology together to create a dream-like, fantastical experience for visitors.

Visit Great Deals Singapore for the full post.

Lobang from: https://www.greatdeals.com.sg/2019/03/28/gong-cha-2-dollar-earl-grey-milk-tea-flash-poster-promotion-march-2019

Your daily tea fix at Gong Cha just got cheaper this week.

From 29 – 31 March (Friday to Sunday), Gong Cha Singapore will be offering one of the bestselling signature drinks Earl Grey Milk Tea at just $2 in support of the upcoming inaugural Shilin Night Market event that is happening in April next month.

Visit Great Deals Singapore for the full post.