Anna Agoncillo, Author at MoneyDigest.sg

The Ultimate Guide To Making Extra Income

The start of 2018 sparks new opportunities for growth and prosperity. As we usher in a new year, you must not box yourself to the usual 9 to 5 jobs. Your potential to earn extra income is beyond the conventional choices. Contemplate on these creative ideas:

1. Gone are the days when employers rely on the physical presence of their assistants. Virtual assistants (VA) help ease the workload of business owners through remote support. Become a home-based VA by applying at upwork.com.

2. If you are a skilled driver who seeks an income-generating activity, look into the responsibilities of an Uber or a Grab driver. Your spare time can be spent in this flexible working environment.

3. My father wanted to sell his complete golf set, but he does not know where to start. I decided to post his listing on Craigslist. To his surprise, his inbox blew like wildfire. Selling your items online is a great way to earn income on the side. Be careful during personal meet-ups.

Image Credits: pixabay.com

4. For people who are utterly fond of domestic animals, it is a good idea to consider dog walking or pet sitting. Positions like these enable you to mix business with pleasure. You can either stay at the client’s home or take care of the pet in specific times of the day.

5. One of the easiest ways to make money as a tertiary student is to rent your textbooks to the next batch of students. Embody the process of online rental companies by providing a minimum number of rental days at fixed rates. You may sell the reference books too!

6. Offering tutorial services in a subject that you are skilled with is another way to earn as a tertiary student. You can either help them with their research papers or with their important exams. The possibilities rely on your available set of skills and knowledge.

7. Lastly, you may become an effortless mystery shopper. Mystery Shoppers are paid by the company’s marketing department to report about their experiences as they try the said company’s products, eat at their restaurants, or buy their goods.

Image Credits: pixabay.com

If you accepted a “mystery shopping” job, you will be paid for your time as well as be reimbursed for anything you bought.

False Alert: Here’s How You Can Spot Fake Financial News

You do not need to wear Sherlock’s deerstalker hat to filter out the falsehoods from the facts!

#1: IS IT LEGIT?

I have to admit, one can easily get lost in the vast Silicon Valley. A humble image search may lead to random personality quizzes. More so, it may lead to a seemingly familiar website that spreads factitious news. Do not rely on the credibility of the sharer (i.e., refers to your friend who shared the “news” on social media) alone! Assessing whether the website is legitimate or not is the first step to spotting a fake headline.

Notice its face value. If the article reeks of typographical and grammatical errors then, approach with caution. If the author’s prior works does not seem fact-based then, approach with caution. The article’s graphics may look impressive, but it does not necessarily add to the website’s credibility. Consider clicking the website’s “About Us” tab or browse through the readers’ comments below the article.

#2: THE HEART OF SOCIAL MEDIA

The rise of websites like Twitter and Facebook created a digital landscape for an unprecedented number of online articles. Its potency was highlighted as fake news became a modern epidemic. Facebook defines fake news as articles that “set out to deceive, contain objectively provable falsehoods, and pretend to be from a legitimate news site”. A single nation cannot control its overwhelming global prevelance.

For starters, getting your news primarily from social media platforms entails reading articles that usually skip fact-checks. Social media websites allow individuals and businesses to campaign paid advertisements and make them seem like genuine stories. Some websites are even decorated with “fake news” bots. It is dangerous when you are regularly fed with fake financial news to suit your online behaviors. Steer away from these stories and focus on accurate financial websites or news outlets such as MoneySENSE.

#3: CAN YOU DEFINE IT?

Let us get our vocabulary straight – first things first. Contrary to popular belief, fake news are not restricted to impolite or inconvenient themes. Nor is it limited to the scrutiny of a financial professional or a financial theory. Fake news have in-depth layers. As I previously mentioned, Facebook defines fake news as deceiving articles that contain false information. Many are published to target the ignorant masses to generate “virality”.

Image Credits: pixabay.com

You see, this type of news rely on your impulsive decision to click. Just because something has optimized shareability does not mean that it is credible. There are some viral money articles that are worth missing out!

#4: THE LACK OF DATA

Viral articles usually elicit strong emotions from its readers. Whether they are sobbing or empowered, people are fond of sharing stories that leave a lasting impact. Despite carrying an inspiring rags-to-riches investor story, do not instantly treat an article as your stock guide. Just because a charismatic person says that a certain stock is booming does not mean that it is!

Fake news lack tangible data. Artistic infographics or tables may distract you from the truth that the article is utterly baseless and purely objective. So, remember that savvy investors examine the data rather than the opinion. Opinions may be harmful when the person you are interacting with is promoting a stock for his or her ulterior motive. Safeguard your financial well-being by checking for the facts.

#5: DID YOU FACT-CHECK?

Group SMS used to be all the rage back in the day! It refers to establishing a collection of contacts that you will constantly communicate with. When I was in secondary school there was an individual who hid in the persona of “gossip girl”. He or she used to send messages containing unpleasant events that attack a particular set of students. It was saddened to see how rumors spread like wildfire! Lies often spread farther and faster than the truth – according to a report.

Image Credits: pixabay.com

Applying the same ideal to fake news highlights how facts go viral less often than falsehoods. This is why readers must adapt the habit of fact-checking. Start by digging through the attached links then, check the article’s primary resources. Dial up your skepticism when links and references do not add up.

Sources: 1, 2 , 3 & 4

6 Surefire Ways To Ace A First Impression

Present yourself in the right light with the help of these tips.

#1: BE PUNCTUAL

The fine strokes of impression starts as soon as you walk the room. In Japan, they have mastered the management of time. Most Japanese naturally acquired the habit of punctuality. Showing up early or on time displays their respect for other people. Nothing is more disrespectful than having your interviewer or potential client wait for you for 30 minutes.

Image Credits: pixabay.com

If you are running late due to unforeseen circumstances, it is best to let the people know. Call the interviewer or the client as soon as possible. He or she will appreciate this gesture more than hearing a lame excuse upon your arrival.

#2: DRESS THE PART

Who does not want to be seen as well put-together during the first meeting?

It goes without saying that the quickest elements of impression formation include the physical appearance. It does not matter whether you are interviewing for a modelling gig or not. You will be judged with thru way you look. Showing up in a neatly pressed suit or a tailored dress comes across as professional and organized.

#3: RELAX THE FACE

When you are nervous or lying, your autonomic nervous system goes into an overdrive. You will unconsciously make significant movements such as scratching your nose, pulling your hair, or touching your cheeks. Some may even chew the pen’s cap during written assessments. These body movements give off a sense of judgment and lack of confidence.

Image Credits: pixabay.com

Be mindful about your actions during the interview or the product proposal!

#4: PAY ATTENTION

As obvious as this may seem, shaping a stellar impression includes being present at the given moment. Physical presence does not stop at the face-to-face interactions. You must be mentally active during the conversation too! Ensure that you are coming across as someone who is interested and engaged with the other person.

Start by calling the interviewer or the client using their name during the entire conversation then, you may paraphrase their thoughts from time to time. Listen to what the other person is saying and tailor your responses accordingly.

#5: TOSS THE PHONE

Putting your devices and smartphone away is primarily applicable in this modern age. Do not immediately turn to your phone while waiting in the lobby. Use this time to double-check your CV or to contemplate on the proposal topics.

When the interviewer or the boss comes, you will appear prepared for the task at hand!

#6: BE POSITIVE

A person with a pleasing personality is hard to find. This is why positive people give a lasting impression. It is easy to connect to a person who portrays a friendly attitude through his or her command of words and body language.

Image Credits: pixabay.com

So, greet the interviewer or the potential client with a genuine smile. Then, ensure that the topics that you will discuss are on the neutral ground. Showing a hint of your sense of humor would not hurt too (i.e., during appropriate instances)!

Sources: 1 & 2

5 Everyday Items That You Must Splurge On

EARPHONES

I have learned my lesson. I will no longer waste my money on seemingly fashionable yet cheap earphones. I got tired of replacing the ones that I recently bought at an artsy bazaar or a festive market. So, I focused on browsing some premium earphones. It made a huge difference! In fact, my current earphones has been with me for about two years.

Consider making the switch! Look for an earphones that possess amazing sound quality, decent microphone sensitivity, and well-made wires. I know that some people prefer flat wires to prevent the hassle of tangled wires. Note that there are certain brands with lifetime warranty such as JLab Audio. Before making a purchase, educate yourself about these things by reading online reviews.

PRESCRIPTION SPECTACLES

Half of my life was spent on constant trips to the nearby optical shops. Changing my look became a subtle hobby of mine. I either steer away or hop aboard the bandwagon when it comes to the style of my frames. I cannot be the only one!

The prevalence of shortsightedness or Myopia among Singaporean children was considered as one of the highest in the world. For a trait embedded in our genes, many of us are in need of prescription eye-wear. A lifetime eye-wear supply may poke a hole in your pocket, but it does not have to!

Purchasing your specs online may be cheaper and more convenient. However, it may not withstand the test of time. You will have to constantly replace your frames or lenses to compensate for its lack of quality. It is a good idea to invest on quality prescription spectacles that your specialist recommends.

COSMETICS

The beauty industry generates billions each year. I cannot deny how crazy consumers can get when Sephora Singapore announced their Christmas Sale that offer up to 50% off. Brands such as Too Faced, Urban Decay, Fresh, Nyx, and Tarte can be easily spotted in the sale racks. For a makeup enthusiast such as myself, I quickly grabbed the shopping basket!

Why is it important for you to purchase high-quality cosmetics? For starters, it is something that you apply to your face on a daily basis. It is hard to hide an irritated or a wounded face due to cheap makeup. Invest on high-end products every once in a while. Pretty soon, you will see your collection growing and your skin glowing. Consider foundations or tinted moisturizers from Laura Mercier, Bare Minerals, and Bobbi Brown.

KITCHEN KNIVES

Rather than frequenting the restaurants or hawker centres, cooking for your family can stretch your dollars. Knives are among the essential tools in the kitchen. The basic collection includes a chef’s knife, a serrated knife, and a paring knife. A dull knife takes you back to the caveman era. While, a sharp knife can last you for a lifetime. Remember that all blades can be sharpened. However, some blades dull faster than others.

Look for reliable knives that may last you for a lifetime. Consider notable brands such as Victorinox and Cangshan.

SOCKS

Socks are prevalent in the workplace and school environments. Students and employees regularly change their socks to accompany their trusty shoes. I remember using antimicrobial socks to prevent foot odor during my Physical Education class. You read that right! Socks are essential to protect your feet from odor, blisters, and unwanted microorganisms. This is why you spare no expense in finding a durable pair.

Image Credits: pixabay.com

With an article of clothing that you must wear everyday, ensure that you are comfortable throughout the day. Opt for thin socks to provide you cushion and style. While thick wool socks shall provide you the warmth and longevity.

Sources: 1, 2 & 3

4 Places That Celebrate Singapore’s Yuletide Festivities

The glittering trees and the glistening streets mark the Christmas Eve in Singapore. What are your plans for the holidays? Do you fancy a crowded night out or a peaceful night in?

I, for one, was showered with gifts from generous clients and friends. Not to mention, I bravely partook in a holiday spree. There were great deals everywhere! The exhilarating feelings of Christmastime brings happiness to people of all ages. Celebrate the Yuletide spirit by visiting one or all of these amazing places:

GREAT CHRISTMAS VILLAGE

It is difficult to resist the retail bargains found islandwide! As I have mentioned above, I embraced the volume of people to accomplish my holiday spree. The crowds were truly overwhelming. I noticed that they condensed in one place – Orchard Road’s Christmas Village. The Christmas Village includes Santa’s house, amusement rides, and a pop-up market.

The “Endless Wonder — Christmas on A Great Street” market is located at the Ngee Ann City Civic Plaza. You can expect an array of retailers such as Ritz-Carlton Hotel, Tiffany & Co., Casio, SK-II, Fish & Co., and Haagen Dazs. You do not want to miss the Christmas Countdown concert as well as the gorgeous street lights!

Location: Ngee Ann City Civic Plaza
Rate: Free admission
Duration: Open daily at 11 am until December 25, 2017

SMASHING NEON PARTY

Let your neon dreams come to life as you enter the largest retail playground in Singapore – the Flashbang! A variety of food stalls, game booths, and craft workshops await you at daylight. When night dawns, neon installations designed by the local artists will light up the place. You are sure to snap Instagram-worthy pictures in every corner! Boosting your social media profile is important during the Millennial era, right?

Image Credits: instagram.com/agoncilloanna

My sister and I began our Flashbang stroll with a sip from our cocktails. We were enticed by the old-school arcade games, the live music performances, the unique food stalls, and the luminous LED-light balloons. Our experience was concluded by a restful nap at the Airmocks’ hammocks.

Location: Grange Road Carpark
Rate: Free admission
Duration: Open daily at 3 pm until December 30, 2017

A CINEMATIC WONDERLAND

Gone are the days when you visit a Christmas event mainly for its festive market. At Gardens by the Bay’s Christmas Wonderland, you will be delighted to see an action-packed area. This place is filled with live performances, light sculptures, carnival games, and snowfall shows. You will be greeted by the quaint wooden huts containing artisinal products and quirky crafts. It is recommended to see and snap Santa’s well-lit grotto!

My family and I decided to explore its cinematic wonders tonight. We are looking forward to witness the Vokatones perform their Christmas Carols as well as the Luminarie Light Sculptures at 7 pm. Buy your tickets online (at least one day in advance) to get the discounted price of S$4 to S$8 instead of paying S$6 to S$10.

Location: Gardens by the Bay
Rate: S$4 to S$10
Duration: Opens daily at 4 pm until December 26, 2017

THE FAMOUS CARNIVAL

With hundreds of online reviews, who would not be curious about the largest carnival in Singapore? The Prudential Marina Bay Carnival spans about 3.5 football fields. It hosts over forty rides including the Star Flyer, Mach 5, and Das Fun Schiff. The Star Flyer gives a sensation of flying with its 35-meter tower. The Mach 5 swings its riders round and round at an outstanding 55 meters high. Lastly, the Das Fun Schiff is their take on the classic Vikings ride.

Ease your throbbing heart as you check out the selection of local and international food such as chicken rice bowls and chendol soft serves. Top your thrilling experience with a carnival staple such as the candy floss or cotton candy.

Perhaps one of the most interesting stories about the carnival is the viral article that narrates a writer’s experience with a stranger. The writer invited a senior taxi driver to the carnival out of spontaneity. They happily strolled the entire area and talked about life (in general). He wisely said: “I learnt in business that we can’t abandon people during hard times…”

Read the entire story, here.

Location: The Promontory @ Marina Bay
Rate: Free admission (Rides cost between S$4 to S$10)
Duration: Open daily at 3 pm until April 1, 2018

Sources: 1, 2, & 3

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