Category: The New Savvy

Why Women In Singapore Should Stop Depending On Men

If you still think that women in Singapore should depend on men – it is about time for you to let go of the past. According to experts, we are now witnessing the beginning of the Golden Age for women entrepreneurs. In the past years, the number of women entrepreneurs have grown faster than their male counterparts. In fact, for every male entrepreneur, two women are also starting their own business empire. This is proof that on an international scale, women are starting to step up as they realise that they no longer have to depend on men for their needs. Let us get one thing straight. We are not questioning the ability of men to take care of the needs of women. We are well aware that they can and they should. After all, that is the role as the providers in the family – just like women will always be the nurturers. However, these two roles are no longer separate and exclusive to either gender. The lines between what men or women can do are already blurred. What one gender can do, you can also be sure that the other can also accomplish. Sometimes, they can even do […]

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More Available Options To Meet The Needs Of The Modern Women

Priorities change at each stage of our lives and we often have to deal with the costs that occur with limited resources at hand. The needs of modern women are vastly different from the previous generations as our lifestyles continue to change. This is especially true when we are juggling between a variety of commitments between family, career and well-being as an individual. Dealing with pressures from all areas of life, many of us are likely to consider having a child at a later age, face unforeseeable life changes like divorce and death, and may have a need to take active steps to ensure that our mental health is in shape to mitigate the constant social pressure to excel. 5 Milestones That Impact Your Healthcare Decisions And Coverage As a consequence of managing countless commitments, there is a need to take a more conscientious approach to caring for our health. Constant Stress May Complicate Our Health A study conducted by the Institute of Mental Health Singapore in 2010 shows that Anxiety Disorders including Generalised Anxiety Disorder (GAD) and Obsessive- Compulsive Disorder (OCD) are occurring more frequently among people. It is inevitable that the high level of stress we face may result in a decline in […]

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It’s About Time & Confidence: Investing in Equities ~TFIF 2017 Series

In this recap series of The Future Is Female conference 2017, we delve into one of the panels, Investing In Equities “There are two ways to manage your investments as a retail investor – passively or actively. It all boils down to the amount of time and the confidence you have, and the hours you’re willing to put into your research.”- Jason Low, Senior Investment Strategist, DBS Bank A good knowledge of the sector and country that you are planning to invest can help to boost your confidence regardless of your stand as an investor. Equities 101: How to Invest in the Stock Market Passive Investing For the passive investors, they are likely to choose a comfortable stock to invest such as the Exchange-Traded Funds (ETFs).  You may also consider the mutual funds if you can afford to engage an investment manager. This manager is useful when you need someone to help you identify undervalued stocks and manage your portfolio. ‘The attraction of ETFs and mutual funds is the capital gains and dividends,’ added Lynn Gaspar, Senior Vice President and Head of Intermediaries and Retail Clients at SGX. ‘The capital gains are dependent on the fluctuations of the price associated with […]

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What To Consider When Buying A House

A Step-by-Step Guide to Buying a House Anyone who’s thinking about buying property for the first time may feel overwhelmed by everything they don’t know! There are so many details entailing buying a house which need to be addressed in a specific order. These may be financial aspects, like figuring out how to pay for it, or negotiation of your offer, or legal issues which demand a solicitor’s advice. The final and most satisfying phase, moving into your new home, is easy to reach if you approach each phase of house-buying step by step. Work out how much You can Afford The very first place to start is figuring out your budget for buying a house. This means figuring out how much of a down payment you can afford and calculating the maximum loan amount you can apply for. The amount you can borrow will depend upon the type of house you want to buy and how much you earn. Therefore, it’s a good idea to spend some time working out how much you can afford to spend on a property at the start of the process. Doing this will help you to avoid disappointments or financial problems further down […]

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6 Tips on How to Protect Yourself From Credit Card Fraud

This article originally appeared on ValuePenguin Credit cards offer the most convenient way to pay for your shopping and for everyday transactions. In addition to convenience, your credit card gives you several other advantages. If you put in a little effort into selecting a credit card that best meets your needs, you can earn significant amounts as cashback benefits and rewards. There is also the attraction of a free credit period. It is possible to pay for your purchase several weeks after you make it. Many Singaporeans value the flexibility that a credit card gives them. When they receive their billing statement they can opt to pay only the minimum balance and “rollover” the remaining amount. Of course, using your credit card in this fashion will require you to bear a certain interest cost. According to Monetary Authority of Singapore data, there are almost 8 million credit cards in circulation and the rollover balance is a massive S$5.3 billion. Considering that the average interest rate on credit cards is about 25% in Singapore, this could be costing consumers hundreds of millions of dollars every year. However, that’s not the only costs of using credit cards: credit cards are vulnerable to […]

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Didn’t Get The Job? Here’s Why The Hirer Rejected You!

You came out of the job interview feeling confident that everything went OK. The HR representative seemed to like your qualifications and smiled quite a bit during the interview. So your heart beats a little quicker when your inbox blinks or an unknown phone number rings you, or there’s a letter in your mailbox from the organisation. This must be the moment, you think; they’re telling me I got the job. When the message turns out just the opposite, the moment becomes a big let-down when you learn that your application wasn’t successful. Figuring out why you didn’t get the job is essential so that you can approach your next application and interview in a constructive manner. Why the Hirer Rejected You – Factors You Can Control Factors under your control that may have led to a rejection often involve mistakes made during or after the interview. An interview has to go perfectly in order to get you a job offer. Reflect back on your interview and check if it went well in the eyes of the employer. At the interview did you give the impression of being an average person with everyday qualifications? If so, this is a weak […]

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How To Recover From Your Work Screw-ups and Solve Your Mistakes

Screw-ups at Work: The Recovery Everyone’s done it at one time or another. You’ve made a mistake at work and the ripple effect is getting larger. Maybe your colleagues have noticed your error. Perhaps your boss, too. Worst of all is when an effect of your screw-up threatens to harm the reputation of your organisation outside the office’s own four walls. There’s no single cookie-cutter method to reverse a mistake, but the best advice to help you recover from a mistake is simple: admit your mistake, solve the problem and move on. How to Recover from Work Screw-Ups involving Your Boss The worst work screw-up you can make is forgetting to follow the direct instructions of your boss. This may lead to your boss being terribly disappointed in you. Your boss is your leader and you’re supposed to follow his directions. If you fail to do so, it will make your boss feel as though he or she has failed. By failing to garner your respect for both himself or herself and the company, your boss may perceive a decrease in your value as an employee of the organisation. If you’ve forgotten to attend a meeting that was called and […]

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Cover Letter Mistakes That You Can Easily Fix To Save Your Career

Blast away those Cover Letter Blunders! You always want your job application’s cover letter to get your submission off to a brilliant start. Since your cover letter is the very first impression conveyed to a potential employer, it’s a super-important piece of writing. But not only does it need to clearly say “Here I am!” Your cover letter also needs to hit the reader’s sweet spot. Many job applicants unwittingly build unconsidered or inconsistent elements into their letter, causing the reader to squirm a bit and read no further. Here are five of the most common mistakes made in cover letters and some recommendations on how to avoid them. First Cover Letter Blunder that’s Easily Fixed – Introducing Yourself with Your Name If you ignore what seems to be a common trend and think logically, you’ll see that starting a letter with your name is rather inefficient. Your name does not define any of your qualities or skills,  since you’re probably not a renowned individual. It’s crucial to introduce yourself right off the bat regarding your job qualifications. The hirer is first and foremost interested in seeing if you’re qualified for the job. If you’re not qualified, the hirer probably […]

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Top 5 Reasons You Should Install An In-Car Camera

This article originally appeared on ValuePenguin You may have noticed in recent years that people have begun to install cameras inside their cars. At first blush, these gadgets, which can cost as little as S$30 and as much as around S$1,000 plus the price of installation, may seem like just another method of parting you from your hard-earned cash. However, our team at ValuePenguin think they are a smart investment that can save you hundreds, even thousands of dollars in the long run. In the following guide, we’ll walk you through a list of reasons why installing an in-car camera, also known as a dashboard camera or “dashcam,” is well worth the cost. Installing a dashcam can save you thousands in the long run. 1. Save on your car insurance premiums One of the most direct ways you can personally benefit from installing an in-car camera is by potentially saving on your car insurance premiums. Some insurers will offer a discount on their premiums to new or renewing customers who have a camera installed. DirectAsia, for example, will discount your premium by 4% for having a dashcam installed in your car; United Motor Insurance’s Unidrive plan offers a discount as […]

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