August 9, 2020

Lobang: https://www.moneydigest.sg/studio-mu-yu-%E6%9C%A8%E8%AF%AD-has-launched-a-masak-masak-earring-collection-that-singaporeans-will-appreciate/

Happy birthday, Singapore! Are you celebrating at home or outdoors with your loved ones? Hope all of you are resting well and recharging this long weekend.

We can’t think of any other better time than today to introduce to you Studio MU / YU’s ‘Masak-Masak’ collection. This is because it’s inspired by the nostalgic icons of what Singaporeans love. If you were born and raised in Singapore, then you will find this earring collection hitting you in the feels.

Anyway, Studio MU / YU is a romanisation of the Chinese characters ‘木语’, which translates to ‘the language of wood’.

About ‘Masak-Masak’ collection

According to Studio MU / YU, ‘Masak-Masak’  is a reflection of the importance of “play” in our everyday lives, to take time to foster our imaginations and creativity.

This August, as we grapple with what it means to be Singaporean amidst global uncertainty, Studio MU / YU would like to take a moment to celebrate Singapore through the nostalgic lens of childhood.

From beloved HDB designs to our vibrant food culture, this is a sentimental homage to all the quintessential parts of Singapore that makes it home, truly.

#1: Breakfast 早餐

You’ve probably heard that breakfast is the most important meal of the day. As dietician Sarah Elder rightly points out, “The body uses a lot of energy stores for growth and repair through the night. Eating a balanced breakfast helps to up our energy, as well as protein and calcium used throughout the night.”

When I think of what a Singaporean breakfast (allow me to use such terminology) looks like, it’s about kopi, toast, and eggs. If you share the same sentiments, then Studio MU / YU’s breakfast earring collection is what you need.

Here’s a look at their breakfast collection:

Price: from 18 SGD

#2: High Tea 下午茶

While Studio MU / YU does not have a lunch set, they have a high tea earring collection designed for peeps who love pandan cake, chwee kueh, kueh salat, and teh! Shall not ramble further and let the pictures do the talking.

Price: from 16 SGD

#3: Potong Ice Cream 冰淇淋

Potong ice cream was definitely a part of my childhood and even now! My favourite’s got to be the classic red bean flavour which Studio MU / YU’s Potong ice cream collection includes! Apart from red bean, it also comes in yam, durian, and coconut.

Price: from 16 SGD

#4: Supper 宵夜

We shall end Studio MU / YU’s ‘Masak-Masak’ collection with everybody’s favourite supper items in the form of earrings. Think roti prata, egg prata, milo dinosaur, and curry! We feel hungry just looking at the creative designs.

Price: from 18 SGD

View Studio MU / YU’s jewellery collection here.

 

The post Studio MU / YU 木语 has launched a ‘Masak-Masak’ earring collection that Singaporeans will appreciate appeared first on MoneyDigest.sg.

Lobang: https://www.moneydigest.sg/a-helpful-guide-to-business-recovery/

The coronavirus pandemic has taken a significant toll on many businesses and individuals all over the world. It is as if we are living an alternate universe where our global economy gradually collapses and we are left to make sacrifices in order to survive. The pandemic has negatively affected many lives and has caused business closures from different industries. These are the hard realities that we face now.

As time goes by, we see glimpses of hope at the end of the dark tunnel. Singapore’s Phase 2 has made steady progress towards reopening the country to more business activities such as nail salons, bookstores, fitness studios, tuition centers, and more. We moved into the next stage while successfully keeping the community transmissions low.

Despite this, businesses must reopen with caution. It is crucial to prepare for gradual business recovery with adequate planning. Here are some things that you may consider as you open your doors to others.

OPEN WITH MINIMUM OPERATIONAL CAPACITY

One of the biggest mistakes that you may make is to eagerly start full on day one. This can incur unnecessary costs (i.e., includes wages and utility expenses) and can increase the risks of closure. View the situation with realistic lenses. Many consumers are slimming down their budgets in order to make ends meet. If the demand is low, you must adjust to the situation by operating your business with minimum capacity.

What is the bare setup you need to complete your monthly business cycles? Stick to that. This bare setup includes your essential staff, minimum inventory, and main products or services. As you reawaken your ecosystem, it will gradually grow in time. Your only goal on day one is to restart.

MAKE PERSONALIZED CALLS TO CLIENTS AND STAKEHOLDERS

Everyone will expect a different level of business productivity during the recovery period. It is unreasonable for others to require you the same amount of outcome as you achieved a year before. This leeway is not excuse for you to lose your communication channels with your loyal clients and stakeholders. Assure them that you are taking active steps into restarting the business.

Make personalized calls to these important people. Be honest and genuine as you hear out their concerns and grievances. Prepare for the personalized calls by having a list of possible questions and by offering practical solutions to their possible concerns. You can regularly update them as soon as you are able to address certain challenges on your way to business recovery.

CALCULATE THE TOTAL BUSINESS IMPACT

From the beginning of the Circuit Breaker period down to the present, you must calculate the profits and losses that your business incurred. Doing so, you will be able to have a numeric goal for your business to achieve in time.

Several business continuity models suggest that you must calculate the business recovery costs, audit the liquid assets and know the projected sales to paint the picture of a realistic business recovery timeline. Business recovery costs are liability that you will slowly pay off with liquid assets, then with projected sales. Going through this process will give you an idea of how long you should plan for business recovery.

CREATE A BUSINESS RECOVERY PLAN

Much like one’s journey to starting a family, business recovery cannot be rushed. You must plan for it with a sense of control. Use your realistic timeline to bring your business back to its healthy shape. During this recovery period, you must operate at a minimum capacity and explore other sources of income. For instance, a construction company may look into offering demolition or dismantling services.

It is important to be aware of the relevant national rules that govern your industry. The changes in the demand for your products and services must be taken into account too. Activate the non-essential parts of your operations as your business increases its sales. Take things slow!

Sources: 1 & 2

The post A Helpful Guide To Business Recovery appeared first on MoneyDigest.sg.

Lobang: https://singpromos.com/fashion-accessories/asos-extra-20-off-storewide-with-this-coupon-code-valid-till-10-august-2020-3pm-239265/

Get 20% OFF at ASOS valid for a limited time only with the below coupon code….read more @SINGPROMOS.COM

Lobang: https://www.moneydigest.sg/how-to-master-working-from-home-with-kids-around/

With the restrictions of the coronavirus pandemic and our compliance to social distancing guidelines, many of us have transformed our homes into offices. Your home is an oasis, except when you are forced to mix your personal life with your professional life. Schools may have opened last June, but some rotate between online and on-campus lessons. It is a gradual transition that comes with the new normal.

The “no kids allowed in the office” rule no longer applies to us. Employees and business owners are now juggling their household duties with their workplace tasks. Some find it a struggle to create a peaceful environment free from the distractions created by their children, pets, or younger siblings. Just take a look at the video below!

[youtube https://www.youtube.com/watch?v=cqUOIoVnKDU?feature=oembed&w=500&h=281]

TALK TO YOUR CHILDREN

It is important to talk to your children about what is happening around them. Ensure that you are explaining the situation at an age-appropriate level. Some children may understand the safety restrictions, while others may see the pandemic as an unreasonable limitation.

Explain to them that we are looking out for each other during this pandemic. Part of how we help each other right now is by staying at home. Sometimes, a change in perception is all that we need.

ESTABLISH A SCHEDULE

One of the benefits of working at home is flexibility. Write down your priorities for the day and set them within your working hours. If you’re married, you may explore alternating schedules in coordination with your partner and your children. This will help you manage your household chores and office tasks accordingly.

Have an agreed schedule with your employer to ensure that you are filling in the required number of hours per day. Given that most of us work from home, some employers may understand the need for non-traditional schedules.

FOCUS ON YOUR PRIORITIES

Prioritize your work by accomplishing important tasks first. There will be interruptions along the way and it will take longer than usual. This is why you accomplish urgent tasks in the morning and save the minor tasks later in the day.

Avoid unexpected yells and loud noises in the background by hitting the mute button during conference calls. Toddlers will not understand that they cannot always have your undivided attention. If your toddler seeks your attention during a business call, you may ask to reschedule if you can. Minor tasks such as replying to client comments on social media may be done while your children are sleeping.

CREATE SNACK AND PLAY STATION

Find a spacious corner in your home and assign that as the “snack and play station”. Prepare a bunch of snacks and drinks for your children and instruct them on how much they can consume per day. Aside from this, you may let your child’s creativity run wild through free-play. Provide books, art materials, and other learning materials such as puzzles and blocks within this station.

Tackle your workload while your kids are having fun and playing safely on the corner.

PLAN FOR INTERRUPTIONS

Think of alternative strategies to minimize the disruptions from your family members. Firstly, you can take advantage of naptime. Do bulk of your heavy tasks during this time. Whether your child sleeps for one to three hours, use this time to complete tasks that seek your focus and concentration.

You may also setup a virtual meeting between your children and your relatives while you work. Ask a friend or a family member for a favor to teach your children a new skill while they are chatting online. Connecting your children to their friends and their grandparents through Skype, Zoom, or Facetime can be helpful to their well being too.

SET REALISTIC EXPECTATIONS

Let us face it! There are no professional advantages to pretending things are the way they used to be. Reduce your anxiety and manage everyone’s expectations by being honest with your coworkers. Tell them what is going on in your home office.

Similarly, you must be honest with yourself when it comes to your abilities in handling your children. You cannot turn into a good teacher overnight. Be patient with yourself and your children throughout the process.

Sources: 1, 2, & 3

 

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Lobang: https://www.moneydigest.sg/everest-gold-what-you-need-to-know-before-investing/

Everest Gold is a Singapore fintech company working to make gold trading and investment accessible and affordable for retail investors on a secure online platform. It employs advanced technology which allows clients to track real-time gold prices as they seamlessly build, invest, trade and sell their gold portfolios.

Investors do not need any specialised trading experience to yield higher profits when investing in gold via Everest Gold. Simply buy when the price of gold is low and sell when price is high to get instant profits! With zero transaction fees and no minimum amount required, take advantage of price movements to execute unlimited trades! Everest Gold is truly the most affordable and accessible platform for retail investors to start investing in gold today.

Read: How To Maximise Your Returns Investing In Gold With Everest Gold

Investment safety

Even more reassuring is the fact that Everest Gold recognises that being able to invest in a safe and secure portfolio is often the utmost important criteria in the minds of investors. Therefore, it has made investment safety and security its top priorities. To ensure that its customers have peace of mind while trading gold, it has entered into a tripartite supervision agrrangement with Pacific Trustees Singapore and Malca-Amit. This ensures that no party can unilaterally exercise its rights over the gold. Here is how each party plays a part in ensuring investment safety for clients trading on Everest Gold’s platform.

Third Party Custodian

Pacific Trustees Singapore is appointed as the gold custodian in the Everest Gold and the appointment. After users purchased gold on the platform, the ownership of the gold is transferred to PTS. Investors can rest assured that Everest Gold has no authority over gold assets.

With over 25 years in business under the Pacific Trustees Group International, Pacific Trustees (Singapore) Ltd (“PTS”) has over 4 years of experience in the corporate and individual trust. PTS provides a comprehensive end to end clearing and Trustees services for global and domestic equities and fixed income securities. As a fully licensed Trust Company by Monetary Authority of Singapore, PTS has full capabilities to provide for full range of trust and other related services thereto for major domestic corporates and regional corporates and financial institutions.

Third Party Storage

Malca-Amit, an international vault chain established since 1963, provides storage of luxury goods for high net worth individuals and internationals banks. Its global team of experts have vast experience over logistics, security, customs house and special operations. Malca-Amit has over 70 offices in 40 countries worldwide and uses highly secured and strategically located facilities.

Gold purchased by customers on Everest Gold’s platform is fully insured and stored securely in Malca-Amit’s state of the art facility located in the Singapore Freeport.

Regular Audits by Professional Company

Everest Gold has appointed a professional firm, Crowe Horwath First Trust LLP (“Crowe Singapore”) to perform independent verification of its gold supply, gold reserves and gold collection, on a quarterly basis, in accordance with Singapore Standard on Related Services. This is to ensure amount of digital gold issued on the platform is equivalent to amount of physical gold stored in the vault.

Crowe Singapore is part of an international professional services network, Crowe Global. Ranked as the eighth largest global accounting network, Crowe Global consists of more than 200 independent accounting and advisory services firms in close to 130 countries around the world.

The tripartite supervision arrangement between Malca-Amit, Pacific Trustrees Singapore and Everest Gold will allow retail investors to trade safely and securely while building up their dream gold portfolio. Investing in gold has never been safer.

Everest Gold is available for download on Android, iOS and desktop.

For more information, visit https://everestgold.sg

In line with this year’s National Day celebrations, Everest Gold will be giving 400,000 reward points (worth 55 SGD) for every new-sign up upon successful account verification. Reward points can be converted to gold during Gold Subscription Events. Enter referral code “WAVTW” when you register your Everest Gold account. Promotion valid from 8 to 31 Aug.

 

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