4 Time Management Tips To Help You Work Smart

We all posses a set of (or at least one) positive traits useful in the workplace. Mine just happens to surround time management. Time is a finite commodity that you cannot take back! Thus, I make it a point to strategically exhaust it.

Managing time is not about squeezing as many tasks as you can within 24 hours. Instead, it is about carefully choosing which tasks you can fulfill to alleviate stress and which tasks you can leave behind. Simplify your operations in order to accomplish your tasks at a faster pace. Consider these tips to work smarter:

FIRST THINGS FIRST

As much as I want to discuss about the catchy Iggy Azalea song, I am going to expound on the seemingly unfamiliar territory of prioritizing. Prioritizing focuses on determining the order of the items in your to-do list. Stephen Covey, the co-author of “First Things First”, introduced four categorizations for one’s tasks. The categories are:

a. Important and Urgent,
b. Important and Not Urgent,
c. Urgent and Not Important, as well as
d. Not Urgent and Not Important.

Image Credits: pixabay.com

Image Credits: pixabay.com

Write down at least three “Important and Urgent” tasks that you must accomplish by today. Waste no time in addressing each one. Reap the sense of accomplishment as you fulfill each one of them. Use this motivation to tackle the less vital items.

USE SPARE TIME WISELY

No matter how busy your weekday can get, you still have a decent amount of down-time. Use your waiting time wisely by completing simple tasks such as calling possible sponsors for your company event. While you are waiting to board the next bus, you can answer important emails with your mobile applications.

As a pre-school teacher, I envision my lesson plans whenever I have idle moments. My finest thoughts spark when I am relaxing in the shower or when I am running a mile in the town stadium. Maximizing my spare time allows me to push my creativity beyond limits.

ELIMINATE THE UNNECESSARY

Taking a series of commitments can be detrimental to your schedule. Whenever you agree to help out a co-worker, you are increasing your personal workload. You may not be able to immediately tackle the tasks assigned to you!

It is hard to refuse to friendly requests from colleagues especially if you are the type of person who loves lending a hand. However, if you want to jump-start your productivity, it is important to learn to say “NO” or “not at this moment”.

ABSORB FUTURE’S ESSENCE

It is no secret that I am an avid people watcher! Not to sound creepy, but it comes from my background in Psychology. Let us move on to the anecdote. As I was sipping my hot mocha, I overheard two women talking about their careers. One seems to be the other’s mentor. I realized that they were both dancing instructors as the discussion went on. The “mentor” shared valuable tips such as preparing an overall timeline and strict goals for each day. She said that it was better to record one’s routine to record any flaws, before the presentation comes. She made some valid points!

Image Credits: pixabay.com

Image Credits: pixabay.com

Having a realistic plan eases the tension of the coming days. You know your glistening target and the corresponding moves to achieve it. Now, you do not have to be prudent to absorb the future’s essence. Start by sparing at least 10 minutes before your shift ends to clear out your desk and to prepare your task for tomorrow. Alternatively, you may clear your desk as you arrive to the office. Allot the first 10 minutes to prioritizing your to-do list.

Sources: 1, 2, & 3

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Important factors to consider before trading the live assets

What is crucial in trading? Is it trading? Definitely, it is not trading. There are many other things which should be considered as crucial. As examples, selecting a broker is crucial, selecting a platform is crucial, selecting a trading method is crucial, and there are many other things which are crucial. Sadly, most of the traders give less attention to the crucial parts. If you consider the Singaporean traders they are not as the ones we have mentioned above. They have given 100% attention to the crucial part of trading as they knew that the platform plays the major role in Forex. So if you want to trade the market as a successful trader you should learn to take the important decisions. How do you make the right decision? What will a naïve trader do? What are the key factors to be considered?  If you read the article you will definitely understand the importance of a platform and you will understand the ways to make a decision.

As we said above platform is one of the crucial things in your trading career so you should give the necessary attention to it. If the platform does not suit your trading style then it will be difficult for you trade the market. When you are not comfortable with the platform you cannot trade successfully so you should make sure that the platform is comfortable enough. You should not consider the decision of selecting a platform as a minor thing because it is not. Read the article to understand better.

Wider accessibility

You know that mobile phones are something which everyone one of us carry anywhere we go so it’s important to find a platform which can be accessed through your mobile phone. From booking a hotel to reserving tickets to movies will be done through the mobile phones so why not the platform? If the platforms are accessible through the mobile phones it is a great exposure for the traders. In fact, it will enable you to trade online meaning you can place trades online. Every professional trader takes the time to select the best platform as they need a platform which offers the wider accessibility. If the platform offers wider accessibility it is advantageous for the trader’s career and knowledge.

Essential Information

The essential information should be obtained from the platform so it can be called as the best trading platform. So keep in mind when you are searching for a platform it should be something which offers you standard experience and essential information. If you want to know the price-earnings ratio, income statement, stock quote, dividend yield, or anything you should be able to obtain it from the platform itself. If you are able to get hold of a platform as we mentioned above you will be able to succeed in the market easily. You should understand that platform is something which acts as a basement for your trading so it’s in your hand to select the strongest basement. Moreover, you should not select a RANDOM platform to trade as it will impact heavily on your trading career. Keep in mind that each and every successful trader has achieved success due to being intelligent when selecting the platform. If you want to trade like a pro trader and if you want to become successful you should not treat crucial things as a minor factor.

Tools for trading

You will be able to obtain the trading tools from the platform so make sure to pick the perfect platform by analyzing thoroughly. If you have the smart tools you will be able to execute trades in a successful way. For instance, if you trade with SaxoTraderGo platform then we can assure you that you will have all the cutting trading tools to do your technical analysis. Most importantly you will be able to execute your orders at a lightning speed.

 

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FUNtastic Ideas To Spice Up Your Dates

I am not familiar about your dating habits, but predictability is not a part of my book! My significant other and I are actively browsing through online articles and asking for recommendations. We make it a point to “shake things up” every once in a while.

On that note, here are just some of the romantic and fantastic ideas that we have gathered throughout the years:

1. Let us start with a nostalgic date. Share your most intimate memories with your beloved by exchanging family albums. Then, reminisce the milestones you had as a couple by going back to where you first met.

2. Take the slang “Netflix and Chill” in its literal sense by streaming your favorite shows while indulging on ice cream. Eat as many ice cream flavors as you want! Personally, Ben & Jerry’s Cookie Dough is my guilty pleasure.

3. Stay in touch with your artsy side by attending craft workshops. From Calligraphy to Bento Box classes, there are many interesting workshops in Singapore! For starters, you can create a spectacular keepsake by Pottery Painting for as low as S$15 at Goodman Ceramic Studio.

4. Be the star of your own editorial by pretending to be famous photographers for a day. You can either take turns in modelling or find a stranger to do the work for you. Snap pictures of your model at the picturesque spots in Singapore (e.g., Haji Lane and National Gallery of Singapore are totally Instagram-worthy).

Image Credits: pixabay.com

Image Credits: pixabay.com

5. Immerse yourself into the art of storytelling by attending poetry slams. Artists gather together to eloquently spread their messages out to the public. Considering reserving a free spot at the “Slam: A One Man Show by Neil Basu” on September 30 or October 1!

6. We might be known as a concrete city, but that does not mean that we lack furry companions! Spend a day with adorable felines as you drop by The Cat Cafe. Unlike other establishments, The Cat Cafe only charges for the entry fee of S$15 (i.e.,including a complimentary drink).

7. Aside from furry cuteness, you can get up close with over 100,000 marine animals at the S.E.A Aquarium. Be dazzled with one of the world’s largest acrylic panel that houses over 800 marine species. Their interactive displays will entertain you too! Prices for adults start at S$30 (T&Cs apply).

8. Celebrate your love for sultry Jazz music by visiting the Blu Jaz Cafe. The establishment hosts free-flowing jazz bands that are open to improvisations. Check out their menu to know how to keep your tummies full while you heart sings with glee!

Image Credits: pixabay.com

Image Credits: pixabay.com

9. Reconnect with nature by visiting the highest pedestrian bridge in the country – the Henderson Waves. Jog in the Mount Faber Park before watching the sun set in this creative spiral bridge. The wonderful reflection of the the sun shall set the romantic mood for your outdoors date.

10. Inspire each other to reach the optimum physical health by joining fun runs or marathons. Engaging in these activities will not only give you a fitness boost, but it will also allow you to consistently motivate each other along the way.

11. Tired of seeing your partner glued to his or her gaming console? Well, you can ditch the virtual games and immerse yourselves in an intense reality game with Exit Plan. Exit Plan is a local escape room that offers thrilling rooms for friendly prices. Admission starts at S$15 for off-peak hours.

12. Strengthen your bond by revealing your inner self to your partner. Start by writing ten personal questions. Test how well your partner knows you by throwing said questions to him or her. The person who gets the highest score wins, while the loser will have to do a consequence.

Sources: 1 & 2

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3 Ways To Make The Most Out Of Your SRS

Prudent individuals go through great lengths in order to build retirement fund. Many Singaporeans completely rely on the government-mandated Central Provident Fund (CPF). It is a savings plan to fund important expense categories such as retirement, housing, and healthcare. Unbeknownst to some, there is a scheme that is meant to complement the strength of CPF. I am talking about the Supplementary Retirement Scheme (SRS). SRS flourishes your retirement savings by providing tax relief and investment options. Unlike CPF, SRS is a voluntary scheme. SRS members are free to contribute varying amounts which are subjected to a specific limit.

Make the most out of your SRS account by employing these tips:

MAXIMIZING YOUR TAX REDUCTIONS

While helping you cultivate your future, SRS simultaneously reduces your tax expenses at the present moment.

There are different types of tax relief that you can claim, such as the Earned Income Relief, Qualifying Child Relief, NSman Self Relief, and Parent Relief. The first one refers to the deduction of taxable income for every dollar deposited into the SRS account. Furthermore, you can reap tax-free investment gains made through your SRS account (i.e., not applicable to Singapore dividends).

SCHEDULING YOUR WITHDRAWALS

Let us be honest! You can withdraw funds from your SRS account even before you retire. Unfortunate instances such as medical emergencies and bankruptcy are among the significant reasons why this happens. Withdrawals can be completed in the form of cash or investments.

You must strategize your withdrawals to receive the most profitable scenario. You see, there is a chance that you will end up paying more tax if you withdraw the entirety of the SRS account upon retirement. By “more”, I am referring to the comparison between the “withdrawal tax” and the income tax savings. Consider scheduling your withdrawals spanning the period of 10 years.

GROWING YOUR INVESTMENTS

SRS is more than just a scheme to reduce your tax as it is an efficient tool for growing your retirement funds. It is meant to supplement your retirement money by embracing investment options. An increasing number of Singaporeans had been making contributions to their SRS accounts. For instance, the contributions made until December 2015 reached more than S$4 billion.

Why are people drawn to investing their SRS funds? For starters, gains are non-taxable. Furthermore, the long-term returns are higher when invested as compared to leaving your SRS fund in idle. From the retirement age and beyond, only 50% of your withdrawals will be taxable. It goes without saying that your bigger risk appetite is subject to the volatility of the stock market.

Image Credits: pixabay.com

Image Credits: pixabay.com

A local institution that allows using SRS funds for unit trusts, index funds, unit trusts, or blue chip shares is OCBC.

Sources: 1 & 2

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How To Redecorate Your Flat To Look More Expensive

A significant chapter of my life recently closed as we bid farewell to our childhood home. You read that right! My family bought a new pad in the same town. The first few phases of our move are the most exciting ones. Starting from scratch, we have the ability to make our home feel like a serene haven. We are purposefully displaying pieces that evoke strong memories for us.

Whether you are crossing through the same transition or are planning to redecorate your flat, one thing that can restrict us is our budget. Do not give up on your Pinterest dreams just yet! You can still create a luxurious looking flat by playing with textures and by adding essential elements. Here are some useful tips:

#1: SHOWCASE INEXPENSIVE PIECES OF ART

If there is one thing that I learned from my obsession with home makeover shows, it is that you can transform a blank frame into an effortless artwork. You may purchase inexpensive frames at IKEA Singapore (e.g., 3-piece RIBBA for S$11.90). Craft your masterpiece by framing artificial flowers, by making wire art, or by taking black and white photographs. Add accents to a plain frame by painting the sides gold.

#2: ADD CRYSTALLIZED TOUCHES

Nothing shouts luxury more than sparkling crystals. A chandelier is inessential and expensive so, opt for a collection of crystal pieces. This type of decor is helpful for smaller spaces as the transparency adds dimension. Furthermore, the reflective quality of fine crystals interplay with the flow of natural light. Grab an affordable crystal fruit bowl at Lazada Singapore. Or, you may bargain hunt at the nearby Cash Converter.

#3: DECLUTTER YOUR SPACE

There is truth to the statement: “less is more”. While some may think that adding more decorations or ornaments to a room can boost its perceived value, that is not usually the case. An overaccessorized room can appear messy and overwhelming. Consider decluttering your space by only retaining the pieces that have sentimental value to you.

#4: EVOKE CLASS AND LUXURY

If your preference may lean towards elegant European furniture and your wallet screams classic IKEA, opt for luxurious-looking finishes and upholstery. I am referring to metallic furniture and accessories. Experiment with gold (or rose gold) and copper pieces. For instance, IKEA sells a gold-colored lamp for S$9.90 and a gold-colored bowl for S$25.90.

#5: PLAY WITH LAYERS

Popular feeds in Instagram are filled with pleasing layouts that feature well-edited layers of objects. You can apply the same idea to your home by creating vignettes on your vanity or your coffee table. Vignettes are groups of various objects that tell a story. A matchbox may seem like rubbish, but it shines when you pair it with seashells and other souvenir items from your travels. Your guests will surely notice the textiles and fascinating pieces on your furniture. Be ready to share your stories!

Image Credits: pixabay.com

Image Credits: pixabay.com

Sources: 1 & 2

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