April 2, 2021

Lobang: https://www.moneydigest.sg/a-brief-look-at-debt-settlement-options-in-singapore/

Do you know that the average household debt in Singapore is about S$55,000 per capita?

With a value that high, there’s no doubt that it’s about time to learn how to manage your debt and minimise it as much as you can. Financial freedom is within reach if you’re able to settle your debt in time the right way.

Here’s a brief look at various debt settlement options available on our sunny island.

#1: Self-Administration

One of the easiest ways to manage your debt is to directly discuss with your creditors to see if you can potentially negotiate or appeal for a cheaper instalment repayment plan.

However, you need to approach them with some research done beforehand. In your written appeal, fully flesh out your financial situation and suggest a repayment amount that’s okay for you.

Don’t forget to include documental proof like income and CPF statements whenever applicable to bolster your appeal.

#2: Discounted Lump Sum Settlement

Once you’ve accumulated enough financial capital, you can ask your creditors about repaying your debt in a discounted lump sum.

A quick way to build up your lump sum is to consider selling off several assets or taking a low-interest personal loan from a reputable company or financial institution. Then, pull out those negotiating skills to seek a discount.

#3: Debt Consolidation Plan (DCP)

Under this refinancing program, you’re able to pool together all your unsecured debts using one financial organisation.

You should note that some unsecured debts are not allowed, such as medical loans, joint account debts, and more. Unless you don’t fit the DCP criteria, you’re eligible to apply directly at your participating financial institution.

Once your application passes, your unsecured credit facilities will close, and a revolving credit facility will open to aid you in payments.

#4: Debt Management Program (DMP)

Whenever heavy financial stress hits and you’re unable to pay your debt back, not all hope is lost.

The Credit Counseling Singapore (CCS) runs a DMP that provides financial counselling sessions to examine your payback ability and ideally settle your debts in one decade.

The CCS will help create a repayment plan with lower interest rates and more extended repayment periods to enable you to pay back those debts. Among other benefits, the program is perfect for you only if you qualify. 

#5: Bankruptcy

As an individual or a business, you can file for bankruptcy with the High Court if you’re unable to repay a debt. This is commonly the last resort because you will face some strict consequences if you pursue this option.

You will be assigned a Private Trustee-in-Bankruptcy (PTIB) or Official Assignee (OA) who can help assess your situation and figure out a target contribution on your behalf to repay your creditors.

#6: Debt Repayment Scheme (DRS)

As we come to a close, there is a way to avoid bankruptcy – your OA can lead you through a DRS.

But because you’re not allowed to apply for this option directly, only your OA can approve you after previewing your bankruptcy application. Upon fulfilling the necessary criteria, you will not be labelled as bankrupt.

However, you must commit to a repayment plan that spans at least five years. For more information on DRS, you may head to the Ministry of Law Insolvency Office’s webpage.

Final thoughts

Debt settlement can be scary if you do not possess sufficient knowledge on the topic. Why not speak to a trained professional if you need help resolving your debt problems?

Folks who need 1-to-1 financial counselling can book an appointment with the CCS. Do note that there’s a one-time fee of S$30, but no further fees required for subsequent meetings (if necessary).

Nothing is impossible to solve. Take heart!

The post A brief look at debt settlement options in Singapore appeared first on MoneyDigest.sg.

Lobang: https://goodyfeed.com/old-chang-kee-blue-nasi-lemak/

When you think about quick and tasty snacks, one place easily comes to mind for me.

Old Chang Kee, and all the curry puffs and cheese chicken balls I’ve consumed.

But beyond snacks, Old Chang Kee has also made some pretty fine nasi lemak as well.

And in celebration of Hari Raya, their nasi lemak is about to get a whole lot more…blue?

Old Chang Kee Will Launch Blue Pea Nasi Lemak Series in Celebration of Hari Raya

Yup, you read that correctly.

Old Chang Kee, together with its family brands, Coffee House, Curry Times, Bun Times and Catering will be launching the Blue Pea Nasi Lemak Series in conjunction with the upcoming Hari Raya celebration.

And trust us, there are a lot of items for you to savour, with some only appearing at selected brands outlets.

Do note that all of these items will be available from 1 April to 31 May 2021.

Blue Pea Nasi Lemak’O

Once upon a time, there was the Nasi Lemak Chicken’O.

And then there was the second version which came out in 2019.

But now, we prepare ourselves for its third-generation version, the Blue Pea Nasi Lemak’O

This pastry is packed with some Blue Pea Nasi Lemak rice in an Epok Epok Crispy skin. The puff is encased with the same delicious fillings of peanut, ikan bilis, masala chicken, sliced egg and a ‘secret’ sambal chilli.

The blue pea rice is good for uplifting the mood and high in antioxidants as well!

Its retail price is at $2.00 per piece, but you can save and get two for $3.60.

The item is available at all Old Chang Kee stores and through delivery.

Blue Pea Nasi Lemak At Old Chang Kee Coffee House

But maybe you want to have a whole meal and then some?

Enjoy a set of the Blue Pea Nasi Lemak with Aiyu Jelly at only S$11.90 per set with a choice of Curry Chicken, Dry Curry Chicken or Chicken Wing.

We can’t even begin to describe how worth this is.

But that’s not all.

You also get a free Blue Pea Nasi Lemak’O with the set, which you can consume with your meal or just save it for a snack later.

The item will be available at the following outlets and through delivery.

19/21/23 Mackenzie Road, S228678
Tel: 6732 1665

Our Tampines Hub ,#01-105, 1 Tampines Walk, S528523
Tel: 6246 1032

Curry Times’ Wide Selection

If you thought the selection at the Coffee House was good, wait till you see what they have at Curry Times.

Each plate of Blue Pea Nasi Lemak Rice with a staggering 8 different choices of meat!

• Curry Chicken
• Chicken Wing
• Otah
• Dry Curry Chicken
• Rendang Chicken
• Sambal Chicken Super Drum
• Curry Beef
• Rendang Beef

Other ingredients include fish cake, a sunny side up egg, achar, cucumber, ikan bilis, peanuts and sambal chilli. Price will range from $8.90 to $12.90.

And if you want more, top up $3.90 for a drink + Aiyu Jelly with Lime and Lychee with any Blue Pea Nasi Lemak purchased.

Sadly, Coffee Chendol and coconut are not applicable for this.

The Aiyu Jelly on its own can be purchased for $3.90 per bowl. Delivery is also available for this item too, along with availability of the following outlets:

Novena Square (Velocity)
#02-33/34/41/42
Tel: +65 6354 3206

West Gate
#02-08
Tel: +65 6369 9609

Changi Airport Terminal 3
#B2-51
Tel: +65 6447 8068

Northpoint City
#B1-201/202
Tel: +65 6254129

Blue Pea Nasi Lemak Bun

Sometimes, maybe we just want something a little softer in life.

And if that’s what you want, you can check out the Blue Pea Nasi Lemak Bun at only $2.00.

The ingredients are the same as the Blue Pea Nasi Lemak’O only without the egg.

This item will be at the Curry Times and the following stores for Bun Times as well.

FairPrice Hub
1 Joo Koon Circle
#01-36
Tel: 6710 4003

Tiong Bahru Plaza
#B1-123
Tel: 6358 3645

Old Chang Kee Catering

When you have a group over, sometimes catering is a pretty good option.

And luckily, Old Chang Kee Catering also provides Blue Pea Nasi Lemak items as well!

The Deluxe Sharing Set is meant for 4 pax and costs around $39.90+ and comes with the following:

• Blue Pea Nasi Lemak Rice
• Sotong Ball (3 pcs)
• Fish Ball (3 pcs)
• Crab Nugget (3 pcs)
• Sambal Long Beans
• Ikan Bilis
• Peanut
• Sliced Egg
• Cucumber
• Nasi Lemak Chilli

You also get to choose one of the following options:

• Dry Curry Chicken
• Chicken Chunky Pops

Delivery is also free and you get a 1.5 litre of a seasonal drink with every Deluxe Sharing Set.

There’s also an option for a Deluxe Individual Set at $9.90+, though there is a minimum order for at least 10 sets.

Each set comes with the following:

• Blue Pea Nasi Lemak Rice
• Dry Curry Chicken or Chicken Chunky Pops
• Sambal Long Beans
• Ikan Bilis
• Peanut
• Sliced Egg
• Cucumber
• Nasi Lemak Chili

You can order these via this link, emailing Old Chang Kee at catering@oldchangkee.com or call them at 6555 0055.

With so many options at your fingertips, we have a suggestion for you.

Why not just try them all?

Featured Image: Facebook (Curry Times/ Old Chang Kee Singapore)

The post Old Chang Kee Will Launch Blue Pea Nasi Lemak Series in Celebration of Hari Raya appeared first on Goody Feed.

Lobang: https://www.moneydigest.sg/wfh-tips-to-help-you-stay-motivated/

Working from home can be wonderful, and that’s why some professionals are hoping it won’t end. If you’re one of the lucky ones who don’t need to return to the workplace from 5 April, we’re glad for you!

While it can be difficult for parents with children, the comforts of being in one’s safe space can sometimes make it easier to focus. Who doesn’t love having the power to turn on their favourite tunes and adjust the air-conditioner to one’s desired temperature?

However, there are ugly truths to it. You would probably agree that your work-life balance has gone haywire and might make you even lazier than before. Not needing to be up early, dress up, or having eyeballs watching you surf the net mindlessly can make it easier to become demotivated.

If so, how can we enjoy the benefits of working from home while staying motivated enough to be productive? Here are some tips to help you stay motivated.

#1: Set a schedule

When working from home, it is easy to develop lousy scheduling habits.

The temptation to turn on your work laptop in bed or check your email from the couch after 6pm can be hard to resist. Thus, it is crucial to set boundaries around your work life and ensure that you work during specific hours and rest when it’s time.

Setting a regular schedule will also improve your sleep pattern and your health in general. 

#2: Get dressed before 9am

Suppose that you start work at 9am, then dress up as you would if you were heading to the office.

Putting on a corporate outfit may help us refocus our mindset that it’s time to get the workday started. It’s almost the same theory as when you change to workout clothes before hitting the gym.

Treat this form of fashion as a boundary for yourself. When we have “work clothes” and “casual clothes” on, it can aid us to distinguish the kind of behaviour we should be engaging in.

#3: Separate your workspace

It is comfortable to work from our nice beds or comfy couches. However, humans are creatures of habit.

Associating our sleep areas with our work can interfere with sleep patterns. Similarly, working in a space we associate with relaxation can be a challenge for getting jobs done.

If you’ve been doing that, maybe it’s time you set up a dedicated, separate workspace to help you stay focus on completing your daily tasks.

#4: Work in chunks

Chunking is a strategy to take if you are often assigned large tasks. By breaking it down into smaller chunks, it is made more approachable and less discouraging.

For example, reading a lengthy report is hard, but reading one section can be a cinch. Instead of worrying that there is a detailed report to write this week, focus on completing a small unit within a stipulated time frame.

That is a much more achievable and far less daunting goal.

#5: Use the 30-minute technique

Speaking of breaking up big tasks into smaller ones, the 30-minute technique might go hand-in-hand.

We’re often faced with tasks that we find boring. Or perhaps you would rather prefer to be doing something else. Whatever the case may be, make yourself a deal when you find it hard to get started.

Tell yourself that you will work for 30 minutes and then take a short break. Most of the time, you might find that once you build a little momentum on a task, it’s easier to bring it to completion. Even if you don’t, working for 30 minutes is better than idling without getting anything done.

#6: Take a short walk before dabao-ing lunch

Our brains need breaks. One of the best things to do on a one-hour lunch break is to go outside.

Instead of ordering in using GrabFood, foodpanda, or your go-to food delivery service, why not take a short walk before you go dabao your lunch?

Heading outdoors exposes us to sunlight and fresh air, which your body will thank you for. Plus, the change of scenery and pace is an excellent way to refresh your eyes and brain. Who knows, you might even gain new inspiration for an idea or project you’re stuck at?

#7: Give yourself a reward

Deciding to treat yourself to your favourite snack for dinner if you draw up that PowerPoint presentation for your boss can help push you to get started.

Or maybe you’ve been wanting to watch that latest launch on Netflix but haven’t started yet. If so, why not settle your job’s administrative work first and then tune in as soon as the clock strikes 6pm?

A little incentive as a nudge can go a long way to keep you moving.

Final thoughts

Working at home can be an enriching and desirable lifestyle. But that lifestyle does bring unique challenges if we allow it to rule our lives.

If you need some motivation, try following some of the abovementioned tips to establish boundaries between your work and home life. This could help you manage your workload during the day and officially “knock-off” from work when you should.

The post WFH tips to help you stay motivated appeared first on MoneyDigest.sg.

Lobang: https://goodyfeed.com/indoor-karting-circuit/

Going for a kart race can be really thrilling.

Letting the winds of a downhill slope blow past you as you race against other competitors in an outdoor course.

Sure there aren’t turtle shells and banana peels like Mario Kart but it’s fun nonetheless.

But have you ever thought about kart-racing indoors? 

Because Sentosa might’ve something for you if ever such a thought was entertained.

First Indoor Karting Circuit in S’pore Opens at Sentosa for Limited Time Only From 2 Apr–30 Jun

If you have a need for speed, this may be worth checking out.

Resorts World Sentosa (RWS) has collaborated with KF1 Karting Circuit to bring us Singapore’s first indoor karting circuit!

Dubbed Circuit Tiki, this special treat will only be available from 2 April to 30 June this year.

The circuit will also operate from 10am to 10pm daily.

So you don’t have long before this time limit runs out.

Some of KF1’s Instagram posts even give you a sneak peek at how the track may look like in person.

Or you can check out the map below for an outline of it.

The track is around 550m long and has quite a number of corners to test your skills.

Though, unlike Mario Kart, you can’t just press a button to turn or drift.

Varying Price Ranges

The circuit will have two packages: the novice 25km/h package and an advanced, 40km/h package.

If you have an RWS membership, you’re in for some huat.

The novice course for members will cost S$18 while the advanced one will be S$25.

Without a membership, the courses will cost S$28 and S$35 respectively.

Do note that all these prices are also nett prices.

And while you still have to wait for its official opening, you can reserve some tickets early!

Simply pre-book your slots by calling 62520777 or dropping an email to rws@kf1karting.com.

But if you’re not in such a rush then you could probably just wait to go buy tickets onsite.

RWS has also prepared a video that shows how to get into the course.

[youtube https://www.youtube.com/watch?v=6RYBKmzbBlo?feature=oembed&w=696&h=392]

Requirements

However, with great fun also comes great responsibilities.

There are some rules that all karters need to follow.

• A valid driving or motorcycle license is required only for the Advanced go-karts as per the Building and Construction Authority’s Amusement Ride Regulations.
• Both local and foreign licenses are accepted, which are mandatory to be shown over the counter for verification.
• You need to be at least 1.4m to participate
• You must wear covered shoes.
• Hairnets and helmets will be provided by KF1.

Despite the pandemic making overseas travel hard, activities like this could also make for some fun here as well!

Featured Image: Facebook (KF1)

The post First Indoor Karting Circuit in S’pore Opens at Sentosa for Limited Time Only From 2 Apr–30 Jun appeared first on Goody Feed.

Lobang: https://singpromos.com/banks-credit-cards/singapore-savings-bond-ssb-earn-up-to-1-56-p-a-in-the-latest-bond-apply-by-27-april-2021-245121/

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