Gone are the days where makeup is only for women. While the mass market has tons of products for ladies, Chanel’s shaking things up with its Boy de Chanel makeup line. As rightly pointed out by the French brand, beauty knows no gender.
Did you know that Chanel’s makeup line for men first made its debut in September 2018? They started with only three products – a foundation, retractable brow pencil, and a hydrating lip balm. This July, they are adding new products to the collection. Here’s what to expect:
#1: FORTIFYING GEL MOISTURISER (144 SGD)
Image Credits: Chanel
This gel moisturiser contains a hyaluronic acid derivative combined with glycerin that prevents your skin from dehydration. Just like what a moisturiser does best, it keeps your skin moist for up to 24 hours and protects it against water loss for 8 hours.
You may use the product directly on your beard (in the direction of your hair growth) and after a shaving session to help reduce any irritations from the routine.
#2: BOY DE CHANEL CONCEALER (56 SGD)
Image Credits: Chanel
The Boy de Chanel Concealer is a life-saver for men with dark eye circles. If you need to attend an important business meeting, a good first impression is important. Conceal those dark spots or skin imperfections with the Boy de Chanel Concealer.
We love how it’s available in eight different shades so you’re bound to find one that matches your skin tone. In addition to that, the product is non-oily but at the same time, glides on smoothly during application. If you’re worried about having an extra layer on your skin, worry not about a thing. It’s so light on the skin that you won’t even be bothered by it.
#3: 3-IN-1 EYE PENCIL (53 SGD)
Image Credits: Chanel
And on days where you feel bold, confidently put on the 3-in-1 Eye Pencil. It comes in three shades – brown, navy, and black. For a day look, you can apply it on the inner corner of your eyes to define it. When the sun sets, blend it the way you want, like how you would do for eyeshadows.
#4: LE VERNIS MATTE NAIL POLISH (41 SGD)
Image Credits: Chanel
Too busy to hit the nail salon for a pampering session? The Le Vernis matte nail polish will be a good investment. More so than any other nail polish out there because according to Chanel, the nail polish dries in just 64 seconds. There are two shades available – natural and black.
The products will be available exclusively at Chanel Fragrance and Beauty Boutiques (ION Orchard, Marina Bay Sands, Raffles City, VivoCity, JEM) from 31 July.
According to the Ministry of Education’s (MOE) mathematics syllabus, your child would begin learning more about money from primary one. To be more specific, they will start learning how to count in cents up to a dollar, and in dollars up to 100 SGD.
By the end of their primary one academic year, they should be able to solve one-step problems like the addition and subtraction of money in dollars or in cents. But learning how to count is vastly different from money management. While it is part of the learning process, not every child grows up to be a financially literate adult.
If that’s your concern, skip the usual piano lessons and sign your kids up for enrichment classes that can groom them to be better money managers. We think this is an important life lesson that MOE schools may not have placed enough emphasis on. Hence, we’ve sourced out three platforms that offer such classes.
#1: STAR HORIZON
Image Credits: Star Horizon
Star Horizon offers financial literacy courses for kids, teens, and adults. For the sake of this article, we will focus on their kids and teens syllabus. Feel free to head to their website if you’re keen to learn more about the course for adults.
Kids syllabus (for 9 to 12 year-olds)
Targeting upper primary school students, their kids’ workshop will teach your children about the forms and history of money. They will also learn about how money is earned. In addition, there will be exposure to the importance of savings. Your little ones will be able to differentiate their needs from wants and set their own budget.
Teens syllabus (for 13 to 18 year-olds)
Their teens’ syllabus will target secondary school to junior college students. They will learn about cash-debt management including types of loans, credit card problems, and even bankruptcy.
The syllabus has also included investment-related topics like shares, unit trusts, and property. Furthermore, your teenager will be able to learn in-depth about risk management and insurance too. To put the icing on the cake, there will be field visits to corporate companies. Talk about positive exposures!
#2: CIVIL SERVICE CLUB
Image Credits: DBS
Civil Service Club is also another avenue to look out for. They have a course named ‘Introduction to Financial Awareness for Children’. Aimed at children aged 7 to 12, it will provide kids with basic financial awareness. They will also understand how money decisions are influenced and learn to develop wise money management habits.
#3: MONEYTREE
Image Credits: MoneyTree
Founded in 2008, MoneyTree claims to be the leading financial literacy education provider in the region. To prove their credibility and give you peace of mind, they have had partnerships with MayBank in 2009 and 2016.
Their programs are specially catered for children and youth aged from 7 to 22. However, they work a little differently from the average enrichment schools in the market. They are currently only partnering schools to offer their Financial Literacy in School (FLIP) program.
However, parents or caregivers can look forward to their Financial Literacy Pack launching soon. Instead of sending your kids for enrichment classes, you will get resources from their online learning portal to equip you with lifetime skills to coach your kids on money matters. How cool is that?
Money management is important and it’s good to start them from young. As the famous Chinese proverb goes, “Give a man a fish and he will eat for a day. Teach a man to fish and he will eat for the rest of his life.” Over to you to decide!
Did you chance upon a business idea recently? Or maybe you’ve started a home business and thinking if you should make it official? To register your home business, you will need to know the business structure you have. Checkout Pilotoasia.com for more advice and help on these matters.
There are four main types:
Sole-proprietorship (one owner) or partnership (two or more owners)
Limited Partnership (LP)
Limited Liability Partnership (LLP)
Company
You can refer to the Accounting and Corporate Regulatory Authority (ACRA) website for more details on choosing a business structure.
#1: CHOOSE A NAME AND REGISTER IT
Once you’ve had your business nature sorted out, it’s time to choose a name. Most importantly, try to stick to these rules when deciding on a suitable name:
One that is unique to your business
Words used are non-vulgar, obscene, or offensive
Allowed by order of the Minister for Finance
After that, do a quick check via BizFile+ to see if your chosen name is available. If yes, go ahead and register your business name via BizFile+. This name application will cost 15 SGD.
Image Credits: bizfile.gov.sg
During the application, you will need to identify the primary and secondary activities of your business. Choose the most relevant Singapore Standard Industrial Classification (SSIC) code corresponding to your business activity. You can search for the relevant SSIC code here.
#2: RECEIVE YOUR UNIQUE ENTITY NUMBER (UEN)
After successful registration with ACRA, you will receive your UEN.
The UEN is an identification number that is generated for a business entity. You should use it when communicating with government agencies. You don’t have to pay! It is issued free of charge.
#3: CHECK WITH THE HOUSING AND DEVELOPMENT BOARD (HDB)
Image Credits: The Straits Times
To proceed from here, you should know what’s under the HDB home business schemes. There are two main types. Firstly, the Home-Based Small Scale Business Scheme. Secondly, the Home Office Scheme.
Home-Based Small Scale Business Scheme
To cut to the chase, you won’t require HDB’s approval under this scheme. As the name suggests, you will only be able to carry out small scale home-based activities. Also, it should only function as an add-on to your income. Here are some businesses that can be carried out:
Baking
Sewing services
Small group private tuition (three students or less at a time)
Work as a freelance artist, journalist, photographer, or writer
Hairdressing, beauty, manicure, or pedicure services (massage services are not allowed)
However, there are several guidelines to keep. This includes having no physical or paid advertising for the business. You must also abide by the regulations of authorities like the Singapore Food Agency (where applicable) and the Fire Safety and Shelter Department.
Home Office Scheme
You will need to apply for a license under this scheme. There are permissible and non-permissible businesses to take note. If your business falls under the non-permissible category, your flat can only be used for administrative business activities. In addition, clients or customers are not allowed to visit your home office.
Here’s a quick look at the categories extracted from HDB’s website:
Commercial school (e.g. music school, language school, tuition centre, etc)
Conducting of dressmaking/ embroidery lessons
Courier business
Food catering/ restaurants
Funeral chapels or homes
Maid/ employment agency
Mausoleums
Ophthalmic dispensary/ pharmacy/ medical/ dental clinic or veterinary medicine
Repair of household appliances, electrical products, footwear, etc.
Sales/ marketing that involves conducting seminars/ talks for large numbers of customers
Shops and any form of retail activity, including pet shops
Manufacturing, preparation, or processing of products and/ or goods such as:
Food products
Beverages
Textiles
Apparel
Handbags
Footwear
Wood and/ or paper products
Pharmaceutical products
Soap
Food chemicals
Additives
Joss sticks
Camphor products
Glass
Plastic
Rubber products
Domestic appliances
Watches and clocks
Other related products
#4: APPLY FOR A LICENCE
If you meet the requirements, you may go ahead and apply for a licence via GoBusiness. Formerly known as LicenseOne, it is a one-stop business licensing portal.
Image Credits: licence1.business.gov.sg
Meanwhile, get ready your Singpass details and credit card as you will need to pay a non-refundable administration fee of 20 SGD. The licence is valid for five years and you can renew it via the same platform.
Please contact the GoBusiness helpdesk at 6774 1430 or email them at [email protected] if you require assistance.
Operating hours:
Monday to Friday: 8am to 8pm
Saturday: 8am to 2pm
Excluding Sunday and public holidays
#5: ADDITIONAL THINGS TO NOTE
Image Credits: rikvin.com
Finally, before you go and get things done, remember that your business will be subject to income tax. To be specific, any income earned or received in Singapore from trade, business, profession, and / or vocation will be subject to income tax. For more information, head to the Inland Revenue Authority of Singapore (IRAS) website.
You may also register more than one business under the same address. For example, another family member of yours is also keen to apply for a home office… He or she may do so but must be an owner, authorized occupier, or tenant of the flat.
After saying ‘I do’, there are now more things to consider past the courting phase. As you begin preparing for your special day, take time to think about what happens after that. As I’ve heard many married couples say, the real deal begins after exchanging your wedding vows.
One of the most touchy issues is that of finances. While there are couples out there who manage their finances separately and successfully, some of you out there are wondering if you should do a merge. If that is so, you will need some fast advice to get you going.
#1: SET DATES
Image Credits: unsplash.com
To decide if you should do a merge, full disclosure is needed. This means hiding nothing and having an honest discussion. Laying everything out on the table helps you and your partner to see where both of you are at in terms of money management.
The most obvious thing to discuss is the shared expenses for the house. We’re talking about things like the mortgage, various monthly bills, and even weekly spending groceries. A 50-50 might do the trick if both of you guys are receiving the same paycheck. But that’s usually not the case. Thus, maybe a monthly contribution of a fixed percentage of your income might work?
There’s also the question of raising kids in the future. An extra person or two will cost and this is another major topic on its own. We know one sit-down session won’t work with so much to decide. Thus, set dates. Make sure you allocate enough time to go through the nitty-gritty. Rushing through the conversations will only hurt later.
#2: SHARE YOUR FINANCIAL SITUATIONS
Image Credits: unsplash.com
‘For better, for worse, for richer, for poorer, in sickness and in health, until death do us part.’ That’s one of the common marriage vows exchanged on the most important day. To do so, you will need to walk the talk and get down and dirty with your financial situations.
Apart from salaries and bonuses, there’s also the topic of debt and other large expenses unknown to your partner. Now’s the best time to share your financial plans and future goals as well. What are the steps you or your partner are taking to pay off the debt? Will this affect your early years of marriage? Can either of you make compromises?
Let’s not forget routines! Is an annual trip to Europe feasible? Or can you two only afford a staycation at the moment? Talk about habits like the frequency of dining out per week and any expensive hobbies you might have.
#3: COME UP WITH A STRATEGY
Image Credits: unsplash.com
This is the final stage should you decide to merge your finances with your partner. After the sharing sessions and much pondering, it’s time to come up with a long-term strategy.
How will the merge be like? Are we talking about shared bank accounts and credit cards? If that’s the case, you may consider having one shared bank account. This account can be a place for crediting an agreed percentage of your salary and also withdrawals for shared expenses for the family.
After reviewing your strategy and realizing you guys have enough money for investment? Go ahead and discuss if the both of you should open up an investment account. Also, decide upfront who will be the main person managing the funds for investment. It’s also important to do a yearly review of your strategy.
We’re honestly just scratching the surface with some of these questions. As each couple is unique, there may be other unique issues that need to be brought up. Also, you and your partner must be aware that bickering might arise while going through this entire process. If required, allow yourself some ‘time-out’. Nothing said in the heat of the moment is rational.
The idea of dressing up and walking into a club seems far away. No one knows what can happen in the next minute amid the pandemic. But there’s good news for peeps who miss the club vibes. You can now step back onto the dance floor at Zouk. But this time around, with a slightly different twist.
Zouk has decided to evolve with the times and turn their empty dance floor into a revenue opportunity. If you’ve been a die-hard clubber over the years, Capital lounge would ring a bell. The lounge space has been transformed into a pop-up restaurant named Capital Kitchen. You can find it on the second floor of the Zouk complex. It is open on Wednesdays to Saturdays, from 5pm to 11pm.
WHAT’S ON THE MENU
Eager to place a reservation and dine in with your fellow clubbers? First up, you need to know what’s on the menu at Capital Kitchen. You can expect both Asian and Western cuisines. As you’ve probably clicked in to read from the title, we will start off by introducing the cocktails.
Cocktails
Apart from teh peng cocktails, Zouk has also come up with other locally-inspired flavours like milo gao and assam guava. Honestly, we’re really curious about the taste. If you’re heading there before we do, please let us know your verdict.
Image Credits: Zouk
Highlights of the menu
Some of the highlights from Capital Kitchen include – the Signature Battered Fish & Chips (25 SGD), the Signature Royal Broth Congee (15 SGD), and the Australian Ribeye Strips (48 SGD). Here’s how the fish & chips and congee look like to whet your appetite:
Image Credits: Zouk
Image Credits: Zouk
Sharing platters
Other than ala carte items, there’re also sharing platters. If you’re dining in a group of five, the Feasting Platter (108 SGD) would be an excellent choice. The platter consists of yummy Ebi Chilli Flatbread, Mala Chicken Skin, Chicken Wings, Truffle Fries, Squid Pong, and Australian Ribeye Strips.
And of course, if you do not like everything from the platter, you may place individual orders and snack on the ones you like. There’s the Ebi Chilli Flatbread, Mala Chicken Skin, and Truffle Fries each at 20 SGD. Chicken Wings are also available at 18 SGD.
FOOD COLLABORATIONS
Diners can also look forward to limited-edition food menu items Zouk has with other local food providers.
For a start, they have partnered home-bakery, Paparch. If it sounds familiar, that’s because it has recently gained popularity for its Burnt Cheesecake (15 SGD). With its burnt caramelised exterior and molten centre, it’s simply irresistible. However, it’s only available in limited quantities daily so act fast if you want a taste.
Image Credits: Zouk
If you weren’t able to get your hands on the cheesecake, that’s fine. There are other desserts like Churros and Chocolate and Caramel Tarts. It’s an equally sweet deal!
For reservations, you may email them at [email protected] or call/WhatsApp the team at 9006 8793.
