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Personal Financial Management: Straight Down The Business Way

Our workplace should be a learning environment. Our jobs should have an impact on the way we handle your activities especially your finances. There are many invaluable lessons that one can learn about financial management from the workplace that will help us keep away from our esteemed licensed money lender.

In our workplaces, whether we work for a Multinational Company (MNC) or a Small Medium Enterprise (SME), our job scope
will in one way or another involve finance management. The question that should always linger in our mind is, “What difference does my job bring in my personal financial management?”

This article has put together some of the financial management skills that we ought to learn from our workplaces that will help us
put our personal finances together and keep our licensed money lenders at bay.

1. Personal Financial Planning

In every organization, whether big or small, whether for profit or non-profit, budgeting is a mandatory requirement. Budgeting is simply spending less than your earnings and planning for both the short and long-term. In the organization, financial budgets are done at the department level and consolidation is done thereafter.

The main goal of organizational budgeting is to keep the company afloat. The principle is that expenditure should be tied to a source of income and if the income is not yet realized, it would have to be borrowed, at an interest.

This should apply to our personal lives. You should cultivate a habit of personal financial planning: both for yourself and your family. For the salaried employees, this should be very easy for you as you understand clearly what your monthly income looks like.

A budget will help you keep off the traps of reckless spending beyond what you can sustain. Plan what to save, what to invest and what to spend on the recurrent expenditure.

2. Revenue Diversification

If you take a close look on the Statement of Comprehensive Income commonly referred to as profit & loss statement of
listed entities, you will realize that their source of income is more than one. An organization cannot be sustained by one source of income. The management has to think of other sources of income besides the core business.

Take for instance Singapore Press Holdings. Their main stream is Newspaper and Magazine. In the year 2013, the company generated $ 1 billion in revenue from newspaper and magazine business. In addition, Singapore Press Holdings generated approximately $200 million from their property development business.

This is a great lesson that as individual ought to learn. We should endeavor to have more than one source of income. Besides your
day job, think of other ways you can raise revenue for yourself and your family. You can invest in a blue-chip, dividend paying stock, Invest in property market, or even writing as I do.

3. Wise Expenditure: Asset Investment

The next thing you need to do after revenue diversification asset investment. A close look at the statement of financial position (balance sheet) of an entity will give you direction on how to spend your income. The balance sheet usually starts with Assets both non-current and current. The non-current assets are usually huge in figures.

They may include Motor Vehicle, Property Plant and Equipment (PP&E), Free-Hold and Leas Hold buildings etc. Other assets include Cash and intangibles. These assets are basically the “needs” of the company. They are responsible for generating income for the company.

As individuals we also have “needs” that need to be taken care of. Note clearly I’ve intentionally used the word “needs” and not
“wants”. Your needs are the necessities of life: affordable home, expenses on food, utilities and transport. Invest your income on assets that will help you meet your needs.

For example, Investing in bonds and stock, commodities and property is a great way of helping you meet your needs both in
the short-term and in the long-term. Your degree certificate fits well in the description of an Intangible Asset. It is essential when you are looking for employment or even advancing your career.

Your personal and diversified revenue may sometimes not be enough to finance your assets especially when it comes to huge capital based assets. In this case, you can approach a licensed money lender like a bank and take up a loan. A good example is a personal loan or payday loan.

There are things that will never fit in the personal balance sheet. Things like honey moon trip, birthday bash, and amacallan bottle at Zouk, $5000 worth of matrimonial bed, $4000 worth of leather seat etc. Such items cannot help you generate income.

4. Tax Break Maximization

A tax break is a savings on a taxpayers’ liability. It provides a savings through tax deductions, tax credits, tax exemptions and other tax incentives. You may have noted that big companies hire tax consultants to assist them in maximizing the available tax breaks.

From a personal level, you may not hire a consultant to assist you in your taxes. Nevertheless, some self-education on tax matters
can go a long way in helping you save significant money in the long run. Do not despise the little money you can save by just conducting some research just to gain knowledge. Always remember that knowledge is power.

If you are a victim of arguing with your credit card operator on waiving your penalties, consider spending more time educating
yourself on personal tax matters in Singapore and keep yourself updated.

5. Priority Expenditure

If you engage a business person whether in a MNC or SME, they will tell you that they have an endless list of items they need to
purchase. This could include new equipment to replace an old one, new computers, a nice pantry, a modern meeting room etc.

It is of critical to note that the needs of one organization will vary with the needs of another organization. For example, new
equipment will rank higher on the purchase list of a manufacturing company as compared to a company in the advertising industry.

This is not exceptional when it comes to individuals. It is a crucial discipline that needs to be cultivated. You need to categorize your expenditure in the order of their priority. Just as the organizational needs are different across firms and industries, individual needs vary.

Top-class education for the children may be on the top of the list of a certain individual and to another, a car is on top, and yet to another a house tops the list of the things to purchase. My needs will never be your needs but the most important lesson is to always prioritize your expenditure.

Application

It is almost certain that we have come across some, if not all, of these financial management skills. This is a wake-up call to all
of us. It is time to put the learned financial skills into practice in our individual lives.

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Understanding the Expat Financial Guide in Singapore

If you are moving to Singapore, you are going to find that it can be tough to adjust to the new climate, and yes, to getting your credit in line. Whether you are buying a new home, going for a new job, or simply are looking for a change in life with the family, there are many reasons people choose to make the move. So, if you are an Expat, if you are trying to adjust, and if you want to learn how to do so easily, there are quite a few things you can do in order to make that transition a bit easier for you, and for your family, if you are going to be making the move with them. From choosing a money lender singapore to take out your home loan mortgage with, or finding the right bank, there are several things you need to consider as you are making the transition. So, consider a few of these tips in an attempt to make that a bit easier, and to ensure it is going to be a smooth transition (financially), when the time comes for you to make that move over to Singapore with the family or on your own.

Bank cards –

DBS, OCBC, and UBS; these are a few of the top banking institutions for you to go to when you are new to Singapore. Whether it is to take out a loan, to apply for a mortgage, or simply to open a saving and checking account, you are going to want to go with the right entities, and the banks which are financially strong. So, you do have to do a bit of research, you have to know what you want, and from there, you will find it is easier to choose the right institution to do your banking with.
Are there ATMS nearby? Are there a few branches so you can go to if you are not near your home? Is there a way for you to apply for lines of credit? You want to know what your specific banking needs are. Not only is it going to allow you to make the right choices with your money, but it is also going to allow you to choose the banking entity that is going to have more viable options for you when the time comes for you to apply for that loan, or take out that mortgage for your new home.
From transfers to Expat accounts, you need to know what your options are when it comes to your banking needs. So, consider a few of these relevant factors. 
1. DBS Expatriate programme – As the name implies, this is for those who are moving and are looking for a transition bank to help make things a bit easier for them upon making that move.You get 3 miles for $1 spent, there are many atms you can go to in order to take out money and not pay a penalty, you will find it easy to bank, making online payments is quite easy to do, and there are up to 12 currencies you can choose from. So, no matter where it is you are from, or how it is you are trying to transition or make a payment, you are going to find it is quite easy to do with this program option.
2. UOB Global account – This is a global currency account you can open as an expat who is making the transition and is in need of top notch banking services as well. You can choose from 10 currency options, so there is an easy learning curve if you are going to go with this account type.
3. HSBC Global view – It is not only one of the most well known banks in the world, it is also an easy account for you to work with as an expat who is going into a new area and is not familiar with the banking practices there. Global transfers, banks all over the world, easy to transition, and people who speak multiple languages, are a few of the perks you are going to find with this banking entity. So, for those who want to go with a familiar option, or one of the bigger names in banking, this is a great way for you to do just that when you are deciding on your banking needs as a borrower.
4. OCBC global – A final option is to consider has 9 payment currency options and various banking sites to visit. Easy and quick for the expat looking for simplicity.

Credit cards –

Look for those which offer perks like cash back, miles for travel, free redemption, and easy of redemption point. You also want to consider the type of currency you are used to paying with, to ensure the card is going to make for an easy transition. Regardless of the type of points or rewards you desire, there are several cards you can apply for when you are living in SG.

Taxes –

IRAs and other retirement accounts are just a few of the factors to consider. You are going to get hit, with a tax rate of about 20%; so, this is something you do have to consider as you are making the transition. There are many implications for you as a newbie in the country, so make sure you speak to the right professionals who can guide you.

Rental apartments –

Of course you need somewhere to live. Propertyguru or 99.co are a few of the many options which can help you land a safe place to call home. So, if you are looking online, start early and make sure you compare a few sites to find lower prices, and safe areas to bring your family to.

All in All

Making a move to a new country is challenging enough to acclimate to the new culture. So, if you wish to lessen the burden elsewhere, you can do so when you know how to get the right banking in line, and know where to live, before you make that move.
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Licensed Money Lenders & Loan Sharks Differences in SG

You know, tough times come and go. There are instances when you may experience comfort and zero worries with your finances, and everything seems to be running smoothly in your life. However, you may also experience some difficulties when emergencies arise. There may be a need to have an access to extra funds to cover for unexpected expenses, and it is not everyday that you have dispensable money for these situations.

This is why it is a good thing that there are numerous licensed moneylenders in Singapore that offer loan services to you in such times of financial crisis. You can approach them for assistance whether you have a credit card bill that needs to be paid right away, a hospital expense that just cannot wait any longer to be settled, and a few other similar instances involving the need for emergency funds. They provide services such as personal loan, payday loan, low income loan, foreigner loan and even SME business loan. Since asking for money from friends and family members is not always a practical or reliable thing to do, it is best to go straight to people who can give you an assurance of receiving the amount you need.

But then again, you should never blindly approach a moneylender in Singapore without having sufficient information about the services and products offered. Most importantly, you want to be sure that the said business is legal with all valid licenses and paperwork present. Also, it is best to steer clear of the so-called loan sharks that may only mean bad news to borrowers.

Here, we discuss further how to identify a loan shark from a licensed money lender. By having a clearer understanding of the two, you can choose a better company for your financial concerns to get the kind of service you need during challenging times.

These are the guidelines to follow:

All businesses in Singapore are required to operate by complying with certain guidelines and regulations set by Ministry of Law (MLAW). There are standards to be met, and they should not fail to follow these to avoid penalties and legal consequences that could impact their business. For instance, the maximum amount to be loaned and the interest rates involved are all set by authorities in the money lending industry. These businesses cannot simply offer an unlimited amount of cash that clients can borrow since it all depends on their income.

The same holds true with the interest rates to be paid along with the principal amount borrowed. The interest is calculated based on how much the borrower makes per year. So, it is controlled and should be astronomical, and only licensed businesses recognize this policy as they do not want to suffer from having their license revoked by the government.

Professional Loan Application Processing

Only licensed and legal moneylenders can offer you a professional and efficient time during the time you apply for a loan up to the moment you visit their office for verification checks. This is why people who need fast cash consider approaching a licensed moneylender because there is a shorter waiting period before the feedback on their application is received. In banks, the whole experience may be more tedious, not to mention the complex paperwork, credit history checks, and other processes involved.

Yet, you have to be wary of the fact that loan sharks may take advantage of borrowers who are in dire need of emergency funds. They may not only make the loan application process a little tougher, but they may charge high interest rates at the same time. They are aware of your need for extra cash, and they use this knowledge to take advantage of you. No paper trails or written contracts are provided, so there is no way for you to determine the actual cost of interest rates and the schedule of loan payment.

Licensed money lenders implement a system that helps them determine the credit rating of a borrower. Of course, their tolerance or standards for the credit rating is reasonable, yet they only provide small loans. Your salary is also considered when you apply for a loan aside from your employment status and credit score. But the main thing that sets them apart from loan sharks is the presence of a written contract. You are provided this piece of paper that clearly stipulates information about the interest rates and schedule of payment.

Another thing – there are instances when licensed lenders may reject your loan application. This is usually the case when you have existing debts with other lending companies and credit card debts that remain unpaid. As it is a case-to-case basis, it is always good to consult a loan specialist for assistance with your individual concern.

Interest Rates

Banks normally offer lower interest rates as they provide secured loans to clients. But you have to understand the fact that there is a collateral you need to provide before your loan is approved. The asset should also be valuable enough to pass the bank’s standards. This makes the experience tedious when you are applying for a bank loan.

With licensed moneylenders, there are specific interest rates charged on top of the principal amount. The fees are also regulated, so there is nothing to worry about astronomical fees to be settled. But the same does not apply to loan sharks. In fact, be prepared to pay about 100 to 200 percent interest rates that should be settled along with the principal. Unfortunately, this is beyond your control since there is no contract to defend your stand.

Licensed lending companies provides regulated interest rates to borrowers. This is why you can calculate how much you should pay monthly – and there are no surprises along the way.

Zero Threats or Harassment

As long as you borrow money, the amount should always be settled according to the designated time of payment. In addition to the principal, the interest rate or any other fees must be paid as well. By doing so, you may qualify for an opportunity to loan money again if the need arises in the future. But you see, loan sharks may threaten or harass whenever they collect money. If you are unable to repay the loan, you may come across such lenders who threaten clients over the phone or through SMS just for you to settle the amount. Loan shark runners harass clients, and the whole experience can be unnerving.

With licensed money lenders, you may receive written notices as reminders for your payment. You do not have to worry about receiving calls from them left and right and telling you to pay up. But of course, you still have to produce some payment since the interest rate just keeps getting added to your principal amount as long as it remains unpaid.

Bottom Line

It is never too easy dealing with money problems. You may constantly worry about how you can pay your credit card bills, or what to use to have your car repaired. Asking for emergency funds from relatives may be a very tough experience, and your request can also be rejected or declined along the way.

Meanwhile, your bills need to be paid and there is no way for them to go away unless these are settled. This is why it makes sense to consult the right company for your loan needs. Simply going with loan sharks is never a smart idea considering the astronomical fees involved and unfair loan repayment schemes. There is also no contract that can protect you legally, which makes things more complicated than it is.

If you need professional assistance in obtaining extra cash, be sure to consult a financial expert for your concerns. Always work with legal businesses that can give you an efficient and effective solution to your problems. It also helps to check reviews about the licensed moneylender to learn more about the services they offer, as well as actual feedback from clients who can give you ideas on what to expect from dealing with them.

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Money Misapprehension Singaporeans Have

There is absolutely nothing wrong about putting value on money. In fact, it is only practical that you start thinking more about your finances since this can help you achieve a more comfortable life and a secure future. By setting up your financial goals, you can begin working towards achieving it, which can give you a better shot at experiencing financial freedom earlier in life. But just because you have a particular financial objective, this does not mean not spending on anything. Of course, there are basic necessities in life that come with a price tag, and you will have to allot some money for these. At the same time, it all depends on your choices of where to source out your basic needs or some luxuries you want to reward yourself with.

The following misconceptions that Singaporeans have about money can be tough to deal with, and they can even impact your decisions in your day to day life. By debunking these myths, you can throw away those preconceived and rather faulty ideas about money, so you can attain your financial goals.

1. In Singapore, every shopping mall is so expensive

There is this concept that several people have about shopping malls in Singapore and how expensive these are. Thus, they fear the possibility of getting into serious debts because of shopping. But is this really true?

Quite honestly, it is true that shopping too frequently is never a smart and practical hobby. If you are a big spender and enjoy buying items even if you are aware of how unnecessary these are to your life, then there is no doubt that you may end up being in debt too often. Yet, if you need to buy essential items, there is no problem with doing so since there are various places in Singapore to get the best deals suitable to your budget.

There are endless opportunities for shopping aficionados that are widely available in Singapore. Various stores feature an array of good quality products at different price ranges. In fact, there are places that offer contemporary and traditional items, as well as local and foreign products. In Singapore, it is impossible not to find what you need – and it is all about searching for the place that can give you the most reasonable deals. Some people assume that shopping in this part of the world means going beyond their budget because of their choice of mall or store. If you go to Orchard Road for shopping, then it is likely for you to max out on your credit card bill. This is the place to go where you can find luxury and branded items that are in the 6-figure range at times, which is beyond the purchasing capability of the average working adult in the country.

So, the next time you need to go buy something at the store, and you feel uncertain whether you should head out or not because of your misconception about Singapore malls, then you know where to go. Flea markets and discount shops are perfect for every budget-conscious individual who just wants to save on their expenses while giving in to their desire to shop for quality products.

2. A significant amount for your emergency fund is a must

We all need to have an emergency fund – this is not even a big surprise to anyone. But some people are afraid of failing at it maybe because they aspired too high and wanted to start with a huge amount for the fund. Now that is where the problem starts since they may have high expectations when it comes to the amount of money they need to save and put into their emergency savings. Just because you have this fear, this should not stop you from wanting to set up your emergency fund. You can never tell how the future may turn out, and there are always some surprises that life throws out at us. These personal dilemmas that can significantly impact your finances include theft, illness, and unemployment. Just imagine how difficult it would be if suddenly you find yourself jobless, yet there are massive bills to pay. How can you possibly get through this problem in life?

This is why it is important to build a reasonable emergency fund that is good for a few months. Experts suggest that a reasonable amount would be 6 months worth of your income. If you have this amount saved, then you will be able to ease your worries in case unexpected situations arise in life. If you are unable to save in time, then what can you do? Alternatively, you can approach licensed money lenders in Singapore who are fully authorised by the MLAW. They offer the best payday loan that you can ever find in Singapore.

 

3. Your retirement is already well taken care of by your CPF savings

Sadly, there are some individuals who feel that they can rely on what the welfare system offers for their retirement. The CPF savings aim to help you get by in life, as long as it is within the minimum standard. But the thing is, are you really satisfied with this, or do you want to live more comfortably during your retirement years?

Unfortunately, the CPF savings will not suffice when it comes to sustaining your ideal lifestyle once you are in your retirement stage. This is merely a safety net – a basic one – that can be your cushion for supplying your essential needs such as food and shelter. But if your goal is to travel more, enjoy dining at fancy restaurants, or living in a nicer place during your old age, then you should not even consider your CPF savings as your retirement fund. This will never be sufficient for your high hopes for the future.

What you should do is to come up with a more realistic emergency fund, along with your retirement account. You have been working all your life, and the last thing you want is to maintain a status as an employee even when you are old and gray. As early as now, make better choices with your finances and consider debunking all of these misconceptions about money. Aim to be more well-informed about these things, so you can create a more favorable and more comfortable future for yourself and your loved ones.

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Smart and Swift Ways To Save Money Now

Everyone knows it necessary to spend less than we earn. And it is also important for us to save money. However, the truth is that a lot of people will spend more than the amount they can make. As a result, these people will be in debt especially your credit card bills. If you ever need some quick loans such as personal loan or payday loan, you can always approach licensed money lender in Singapore as your temporary means to solve your problems.  Even if you are now in debt, you should try to spend less if you are unable to save some money every month.

Of course, you may wonder how you can save more money. And here are some tips for you!

Cut Down On All The Unnecessary

You may consider cutting down your household expenses. One of the things you can consider is to reduce your electricity bill. You should make sure that you only use appliances which are energy efficient. Besides, you should not switch on the air conditioner when it is not needed. In fact, turning on a fan will be good enough in most cases. You will find that you can save a lot if you do not always switch the air conditioner on.

When you need to save money and don’t have much, to begin with, there are some unique shortcuts you can take to have the cash to set aside. People think that saving money is so daunting a prospect, but if you think outside the box and pay close attention to your goals, you can end up being able to save up for something big or just have more money every month. Invest in a good buzzer if you’re a guy, or you have children, and do it yourself. Get rid of cable TV. Watch movies, read or play games. There are cheap movie rentals out there and even subscriptions to get movies delivered to your door. Once you go without it for a few weeks, you shouldn’t miss it much. Consider buying less meat and getting your proteins from other sources.

Health Is Important

Along the same health lines, don’t pay for a gym membership that you aren’t even using. If you don’t have the motivation to do it at home and don’t have the motivation to get to the gym, why pay for it? Then, when you dedicate yourself to working out, you can save money by doing it at home. Decide what flicks are the best to catch on the big screen, and limit the number of movies you go to. As mentioned before, $1 movie rentals do exist.

Quit smoking! Now there’s a goal with multiple benefits. Not only are you saving money on the packs you are not buying, but you are also healthier and will save money in insurance costs. And since we are on that soapbox, cut down on your drinking of alcohol. It can get very pricey over time. If you always have something on hand, experiment with different brands to see if you can switch to a cheaper one. Have nights in. If you don’t make it habit to go out to restaurants, the theatre, or to clubs, then you can save quite a bit of money. If you stay as good as you can by eating better, getting more exercise and dropping bad habits, you will save money in health costs. Reduce your shopping trips. When you spend a day shopping, you are subject to impulse purchases and even usually buy food while you are out. You can save money by shopping with a list of the specific items you need to purchase instead of meandering the sales. If you have the type of family that can get by on one vehicle, then do so for awhile. That can save you a couple hundred per month!

Bring your lunch to work whenever you can. Say no to your magazine subscriptions; read what you can online instead.
Travel less. If you don’t travel very much anyway, plan your outings, so you get everything done in one or two trips a week instead.
Set down the latte! Have a treat now and then but most times, make your coffee. If you like the dessert kinds of coffee, buy some supplies and experiment yourself. None of this is to say that you can’t budget for a night out at the movies or a weekend vacation.

Learning to let go of things you know you can live without and cut back on the things you don’t want to live without, can save you more money than you might realize.Good luck, and get anyone you know on board with you that you can. Tell them your goal and get them on your side for support.

7 Beautiful Countries to Explore in Asia

Holidays are arriving in just two more months time and you must be thinking where should go. You wish to travel far but your saving says otherwise. There are many countries you can explore and they won’t burn a huge hole in your pocket! If you are lacking in some money and no one is there to lend some to you, fret not. You can always approach local licensed moneylender in Singapore as they offer personal loan and even payday loan that help you to get through your monthly bills. The region of South-East Asia encompasses several amazing travel destinations. Home to sophisticated cities and backpacker haunts, beautiful beaches and a rich and varied culture, the region is a treasure trove of remarkable sights and unforgettable experiences. Here are some of the 7 Unexpectedly Inexpensive Places to Travel (Asia Edition) that you can visit.

1. Bali, Indonesia

This Indonesian island of Bali is a popular hotspot for both party goers and those who are looking for a little calm and relaxation. Boasting sandy white beaches and clear blue water, Bali beaches are an ideal spot for swimming, diving, exploring and relaxing. Once you have finished exploring the seaside, you may like to embark on a hike up to Mount Batur to enjoy a stunning view. As night time approaches, Bali comes to life with bustling bars and cheap drinks. Or if you are after a quiet and calm night, have dinner at one of the many amazing restaurants in Bali and head back to your hotel for the night.

2. Siem Reap, Cambodia

If you love culture and temples, then Siem Reap in Cambodia has it all for you! With monumental temples, good street food and vibrant nightlife, Siem Reap has something for everyone. You may like to start your journey by spending a day exploring the temples in Angkor Wat. Then you may like to visit the Angkor National Museum to be educated about the findings and treasures at the temple sites. Once you have finished exploring, it’ll be time to party on pub street, with neon lights making the city shine bright. Or you may prefer to shop at the night market and pick up some detailed artwork, handicrafts, and local street food.

3. Phuket, Thailand

Phuket is an island in Thailand filled with hidden gems and picturesque beaches. Perfect for those who enjoy the sun, sand, exploring and relaxation. There are many outlooks on both the east and west coast of Phuket, offering up panoramic views of the beaches and land, even stretching all the way out to Phi Phi Island. If seeing Phi Phi Island from a distance isn’t enough, you may even like to take a day trip out there. Here you will be treated to fine sandy beaches, spectacular scenery and crystal clear water. Phuket is the ideal relaxing holiday destination.

4. Hoi An, Vietnam

Hoi An is delighted with grand architecture and waterside landscape. The town is rich with Japanese and Chinese legacy, with incredible Japanese merchant houses and Chinese temples. Becoming such a popular travel destination, Hoi An is now also home to lounge bars, hotels, travel agents, and shops. And if you want to travel a little further out of the city, you will find great bicycle and motorbike tracks to explore and enjoy the scenery.

5. Kyoto, Japan

Take a step away from the city life and succumb to the beauty of Kyoto, Japan. It won’t be hard to be mesmerized by the atmospheric streets and a strong sense of traditional Japanese culture. Kyoto encompasses everything from calm to romance and is one of the most popular places to visit in Japan. Famous for its temples, gardens, palaces and breathtaking natural landscape, Kyoto encompasses a rich Japanese culture with stunning sights and great food.

6. Petronas Towers, Malaysia

Malaysia is a wonderful country in South-East Asia that is known for its ethnic diversity. It offers visitors a wondrous fusion of Chinese, Indian and Malay cultures. This diversity is reflected in every element from the festivals to the food. No wonder then, that it Malaysia is called ‘Truly Asia.’ Kuala Lampur, the capital of the country, is one of the most visited destinations in the country. Some of the scenic attractions in the city include the famous Petronas Towers and the Kuala Lampur Bird Park. Other points of interest in the country that you can visit through your Malaysia tour package are Bukit Bintang, the Batu Caves, and the Gunung Mulu National Park.

7. Singapore

The city-state of Singapore is an amazing tourist destination. In fact, tourism is one of the main industries in the country. There are a number of fabulous attractions that you can visit here. Spend some time on the beach of the famous Sentosa Island or dine at the heritage Raffles hotel. Get a bird’s eye view of the city on the Singapore Flyer or visit the incredible Singapore game park, known for being one of the top three zoos in the world. There are also a number of fascinating museums you can visit the National Museum of Singapore, Asian Civilisations Museum, ArtScience Museum, Peranakan Museum, Mint Museum of Toys and the Red Dot Design Museum.

All In All

travel out while you are still young! Explore other countries and you may realise that you can learn so much experiences that you will never get to do so in your own country. You can always earn back your money, but you can never earn back your previous time. Head out and take a breather, then come back and continue to work harder.

Valuable Money Pet Care Tips You Should Know

From home remedies to cleaning products and visits to a veterinarian, these measures for the care of pets are added up. Even pet food costs can add to a bunch of costs. That’s why it is important to reduce the costs of caring for pets, without jeopardizing the health of your pet. Spend less with these savvy pet care saving tips to save your favorite animals. Sometimes you wish to give your animals more, more love, more goodies but you have your own liabilities. You may wish to approach licensed money lender to lighten your temporary loads and be show more appreciation for your animals.

1. SALE FOOD TICKET

Some owners overfeed their pets, which leads to a condition called obesity. But feeding less can improve your pet’s health and save you money. Check with your veterinarian for how much food you need. To save more, you can buy pet food wholesale.

2. STOMATOLOGICAL ASSISTANCE IS LESS

Gingivitis can damage your pet’s kidney and your finances, as it requires expensive treatment and professional cleaning. To prevent this, regularly take dental care at home. Wrap a significant amount of gauze on your finger and draw your pet’s teeth.

3. EXPANSION OF EXPENDITURES OF DRUGS

The best way to reduce the cost of medicines is to prevent disease. Consult your veterinarian about the vaccination that your pet needs, for example against the Feline Panleukopenia virus. Vaccination is really cheaper than treating your pet’s illness. If your pet is already sick, ask the professional if the general brand of medicines works, as well as the brand one. Generic brands are cheaper than branded brands, but they can also give the same effect. And if your pet needs a drug that we take, for example, antibiotics, compare several pharmacies to get the best price.

4. PREVENTION OF ACCIDENTS

Keep poisonous, sharp and dangerous objects out of your pet’s reach. For example, acetaminophen, household cleaners and liquid potpourri can cause accidents. Yarn can get stuck inside the intestines of the pussy and cost you more than a thousand dollars for the operation. Keeping the life of a pet affected by a car or poisoned is expensive – and these tragedies can often be prevented. Keeping cats indoors will prevent injuries and protect them from diseases; Strong fence and using a leash will do the same for dogs. Medicines – both over-the-counter and prescription – are the main risks of poisoning; Keep them behind the doors of the cupboard and make sure that the guests at home are doing the same.

5. Work with your veterinarian

Take your pet at least once a year, ideally twice, for exams: these “well-loved” visits can often reveal problems before they become more expensive to treat. When it comes to recipes, ask your veterinarian to compare prices or take a script at a local or reputable online pharmacy, including veterinarians. You can also save by asking for higher doses and getting a splitter for the pill. Finally, do not forget to ask about discounts or promotions: many veterinarians offer a special break for the elderly.

6. Keep your pet healthy

Most dogs and cats are overweight, and extra pounds increase the likelihood of serious health problems, such as arthritis, diabetes and cancer. If your pet is a normal weight – you should feel the ribs – to measure food, keeping the methods of treatment to a minimum and regularly exercising, keep it that way. Keep your pet in a bath and brush, and your house clean to prevent allergies, which sends many pets to the veterinarian.

7. Consider the insurance

A good policy can protect you from having to decide whether to put your pet when you can not afford to care. Since pet insurance plans vary widely – some of them cover preventative routine care, others have lower premiums due to a high franchise – conduct your research and read the small print to make sure that your pet’s most likely health problems are covered.

8. The store is smarter

Shopping is fun, but your dog does not really need this designer collar. When it comes to toys, cut them back, but not chewing toys saved a lot of shoes. You can save by buying the biggest bags of food or garbage or get discounts on the banks. Divide the purchases of dry foods with your family or friend and keep your portion in an airtight container. Keep information about the product, such as the batch number from the bag, in case of questions or problems.

9. Do it yourself

Handle the main care at home, from bathing to nails. If nothing else, you can stretch the time between professional grooming for pets with high-volume coats, such as poodles. Look online for guidance on care and look at YouTube.com for actual demonstrations. Another strategy of self-accumulation is to clean the teeth of your pet. This will extend the time between cleansings from your veterinarian, while preserving the health of your pet.

10. Share services

Trade services or barter for goods and services. Remember that barter can be flexible: you can save as much money if you can provide one type of service (for example, tax preparation) for another (for example, sitting on a pet or dog).
With these simple strategies your pet will never want for better care – and you can take it to the bank along with your savings.

Inexcusable Reasons Why You Keep Breaking Your Budget

As much as most of us want to believe that money isn’t everything, we need money to pay for almost everything we need in life. The rent, electricity, water, food and almost everything a person or a family needs to survive, all depend on the amount of money they can earn. And budgeting around your income your lifestyle isn’t as easy as it sounds. Doing the simple calculation on paper; summing up the cost of bills and expenses, and subtracting this from the monthly income we earn, is easy. It’s the simplest way of knowing how much you have to spare to spend. But actually committing to this simple calculation is the difficult part. With the ease of using debit and credit cards as an alternative to cash, it has made keeping track of the money we spend extremely difficult. And with the continuously growing consumer culture in the country, there’s no surprise that a lot of people are finding themselves struggling to stick to a budget. However, we got to admit that at times we might blow out of our budget and need some fast cash to pay for our credit card bills. Applying with online licensed moneylender Singapore made things fast and hassle free to solve your temporary problem. The truth of the matter is, there are so many shameful reasons why you keep breaking your budget. It’s always best to avoid all the common mistakes we make that may be hindering our chances to earn and save money for our future.

1. Lack of planning

The most common mistakes people make is failing to produce a financial plan. To be able to stick to a budget, you need to first confirm what you spend every month. You need to break down the bills you need to pay for. This includes the amount of money you spend on groceries and utilities. By confirming both what you are paying for and when you need to pay for this, you can already make a simple plan that will compare when you receive your salary, and what money you will spend to sustain everyday life. With the proper planning, you can determine the average amount you need to spend, to guarantee that you do not spend beyond this.

2. Spending more than you can afford

The availability of using credit cards and debit cards to pay for everything makes spending so much easier. You do not have a physical representation of the amount of money you spend, therefore it’s easy to lose track when you are spending too much. Just because you have money in your savings, and credit to spare, doesn’t mean you can actually afford what you buy. It’s important to limit yourself to spending only what you can afford. Making a plan can solve this, and knowing how much money you have to spare each month. If you really want to buy or spend on something that is more expensive than your spare cash, it’s always a good idea to plan ahead and save a certain amount of money every time you get your salary, that will eventually add up to the amount you want to spend. It’s hard to determine when you are overspending, so it’s important to just avoid the entire situation by planning ahead.

3. You are unaware of your obligations

Another big mistake people make that dims their chances of sticking to their budget, is by being oblivious to the obligations they have to pay for. Again this all boils down to financial planning. You have to know what you need to pay for when you need to pay for it, to guarantee that you have the right amount of cash at the time it is due. Being aware of the obligations you have to pay for will help you keep track of your budget every month.

4. You do not pay attention to the economy in your country

The economy of your entire country may not seem like something that severely affects you, but it definitely does. In fact, it affects every person that is living, working, and even just visiting the country. The changes in the economy affect the prices of different consumer products. A small increase in food prices, electricity and water prices, taxes, rent, transportation costs and everything else that you have to pay for, may not seem too big of a change on each individual receipt, but the overall sum of money you need to spend changes significantly. Knowing when there are changes in the economy will help you prepare to either spend more or if you’re lucky when you’ll be spending less. This can help you stick to your budget.

Don’t fall victim to the many shameful reasons why you keep breaking your budget. It’s always better to be smart and organized with your money, then finding yourself in a pit of debt every month, surprised that you actually spent more than you could afford.

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4 Useful and Money-Saving Travel Tips for Adventures

There are so many people who love to travel. But then due to the busy schedules that most of us have, planning a proper trip has become a rare event. Planning a trip means exploring the place, deciding on the budget, number of days required for the same, the places that are to be covered, the activities that need to be done etc. So in a nutshell a lot of homework plus a lot of calculations too. People also have difficulty prioritizing about what to spend on and where to save money. Here are 4 useful and money-saving travel trips for memorable adventures.

1) Be Mindful Of The Expenses And Prioritize Them Carefully

When we travel to a particular place, it is mostly because something about the place attracts us. For example some places are known for sky diving, while others are known for scuba diving. These are activities that would etch a mark in one’s life, if it can be experienced. So instead of spending a good amount of money on the accommodation, one should spend on such activities. By doing a little bit of research online and with some travel agents, one can get a proper idea about the rates of guest houses or hotels and then accordingly book one (definitely the location needs to be kept in mind). Nowadays, there are rented homes available in many tourist places that are offered by people out there. Staying at one of these homes would give a localite feeling and one can actually visit places that a traveler would never have as a part of their best packages too!

2) Blending With The Local Culture

One should try and become a part of the local culture of the place. This would help to make way for a lot of interesting conversations, which in turn would help to gather a bunch of interesting knowledge about the place, the main form of their livelihood, the history of the place, the local cuisine etc. Trying the local cuisine, the street foods is key too! Some of them might be really tasty, you never know; while there might be some that are not so good. Nevertheless, it all becomes a part of the memorable experience and adventure. However, one should also beware of having a not-an-upset-stomach, as otherwise it would affect adversely.

3) Use Local Transport

Most people prefer to have there own private vehicle even when they are on a trip. Or others prefer to travel from one place to another in a taxi. Definitely these are comfortable modes of conveyance, however they are pretty expensive too. Instead using the local transport is a much better idea. There are places that might have there own special mode of public transport, that isn’t available in any other part of the world. Some places have excellent local train service, while others are well connected through a bus or a toy train. Making the most of these transport facilities is key as it not only saves money, but also helps the people to have a proper look around the place. There would be many small tourist attractions that are generally not mentioned while one travels using a guide. But using the local transport would actually help in exploring the place better.

4) Talk To The Travelers

Talk to the travelers around. Lets say firstly you are taking a flight to a place, talk to the people at the airport or at the airplane and find out if there is someone who has the same plan as you. This might end up into a new friendship or may be just information about the place or people that you are travelling to. Talking to the localites is key. Then while on the go, let’s say you are in a bus, start off a conversation with a passenger. Or may be you are in a long queue to enter a museum, talk to the people around. Not only would you come across so many different kind of personalities, but also a lot more information about the place and other important attractions that you never knew existed.

Everyone Deserves A Break

Everyone wishes to go travelling, who doesn’t? At times many are financial bounded and do not have too much cash in hand. If you ever need a temporary help, you can always approach licensed money lender to get opt for personal loans. Get out of the country to recharge and work harder when you get back! Everyone needs to reward themselves.

Also, if these hints and tips can be diligently followed, I am pretty confident one would have a perfect pocket friendly memorable and an adventurous trip! Have a safe one!

8 Earth Friendly Ways To Save Money On Utility Bill

Your current state of financial health and security depends on how much you have regarding savings. So, how to save money better? Are you one of those people who had only a fixed monthly income? No savings? Then you probably are at risk of running into emergencies where you would need instant cash! Sometimes, it may not be in the form of an emergency, but an investment. If your friend wants to start a business with you, do you think you can go without share capital? Or if there is a nice apartment for sale which is something you had always wanted; Alas, most probably you would have to let it slip away through your fingertips. Everyone needs a good reserve in the bank to live comfortably and make smart choices whenever the need shall arise. Timing is critical, and with plenty of healthy reserves, you do not lose out on the excellent opportunity. So how are we going to handle our money better? One short, simple answer, always choose better options and make the right decisions.

Make better decisions, and you are on your way to success. See, it is not about self-prohibition at buying stuff that you like. It is about being smart and making better-informed decisions. Gain some awareness of what others are offering. Think before you buy! Do not just act on impulse.The decision depends on how you are going to value the purchase and of course your personal preference. But indeed the key is to make better choices and consider first quality against quantity. This way, you could save up more when you spend in a smarter more efficient manner.

If you are not controlling your expenses the way you control your diet, then you might have to consider a way to start. Make a shortlist and write down the list of things that you must get by the first in the upcoming month. Place all your wants on the next list and then simply do a little calculation to balance off your real needs against your debit account. Lucky you if you do not run short, now go to your list of wants and start checking one or two that you think are most desirable. What you do next is to decide upon the sum that you ought to put away as savings against acquiring the several most important wants. Practice some self-control or tell yourself more often than you do not need more than you already have. Use a frugal mindset.

Here are 8 Earth Friendly Ways To Save Money On Utility Bills

1. Unplug 
You needn’t bother with a Ph.D. to realize that unplugging your links and hardware when not being used can enable you to spare vitality and diminish your bills. Regardless of the possibility that you kill the switches, machines will keep on using energy if they are connected to.

2. Keep it cool 
Icy running water utilizes a lower measure of vitality than warmed ones. In this way, use cold water when washing your garments and dishes or while doing different undertakings.

3. Pick Wisely
If you are purchasing another apparatus, ensure that it is a vitality productive model. Littler machines enable you to spare more on space as well as. Settle on a little microwave than a stove and little lights than the overhead lights.

4. Refrain yourself from opening the fridge unnecessarily  
Guarantee that you comprehend what you should get before opening the icebox’s entryway/s. Over and again opening and shutting the entryway/s will just motivation frosty air to escape and for the apparatus to work more than it should.

5. Pull down the blinds 
Amid summer and hot days, put down the blinds to keep additional warmth from coming in and keep your aeration and cooling system from running more on vitality. Do the inverse amid the icy climate to keep your home usually warm.

6. Paint the roof in white 
In Color Psychology, white symbolizes fresh starts while in Business, it symbolizes proficiency. By only painting your rooftop white, discoveries recommend that it can cause a 40% drop in the vitality utilization. It likewise chills off the entire house.

7. Cover up the pots 
Cover your pots when bubbling because on the off chance that you abandon it open, the bubbling time frame might be longer and in this way requires more vitality.

8. Always double your bills
Twofold check your charging add up to guarantee that you are paying precisely. Do this by reviewing the full bill utilization and contrasting it with your meter.

All in all, every one should play a part in saving the Earth and you get to save money in return! We need to start saving up for “rainy days’ and if you are in need of cash loan, you can always consider taking up instant personal loan from moneylender to get through this short period.