“Home life ceases to be free and beautiful as soon as it is founded on borrowing and debt.” – Henrik Isben
One of the most common issues that individuals bring into a marriage is debt. Money is high on the list of topics that couples fight about, and it is the among the top reasons why couples get divorced. Financial issues increase marital discord and stress.
If you are worried about marrying someone with debt, you must realize that you can help each other out. You are a team!
#1: BE TRANSPARENT ABOUT YOUR DEBT
Be honest about your debt situation. Hiding debt from your spouse before the wedding is simply a horrible idea. Your partner needs to know your economic situation and vice versa. You can only make shared decisions after talking about money.
#2: CREATE DECISIONS AS A TEAM
Married individuals have many financial arrangements to make. After discussing your pre-existing debt, decide how you will move forward together. Consider the following questions:
a. How will each partner contribute to the household bank balance?
b. Are you going to combine assets by opening a joint account?
c. What kind of investments will you make?
d. How do you plan to tackle previous debt?
#3: SET A MONEY DISCUSSION NIGHT
The key to surviving marriage and debt is to set a budget as a team. Find a quiet place and sit down for a discussion before next month begins. It may seem like a simple solution, but it is the answer to many money issues in marriage.
#4: NEVER PLAY THE BLAME GAME
Once you are married, you must work together to eliminate your debt. “My” debt turns to “our” debt. Having this perspective creates a significant difference.
Image Credits: Asia Wedding Network
#5: CONSIDER PERSONAL LOAN TO RELIEVE SOME FINANCIAL BURDEN
Prudent use of personal loans can save you more in the long run, especially if you’re currently saddled with severe credit card debt or are facing a financial emergency that could wipe out your savings. Ultimately, the only way to prevent bad debt from snowballing is to have the discipline to control your spending until your loan is repaid. If you find yourself in any of the above situations and are looking for a personal loan to help relieve some of your financial burden, be one of the first 2 applicants daily to have your 1st year’s interest (up to S$550) covered by SingSaver. Click here to learn more. Offer until 21st Mar 2022. T&Cs apply.
Stick to the plan and motivate each other. Living without debt is not easy, but it is worth it.
Learning isn’t an overnight process. Before discovering their fullest potentials, children have a very long way to go. And, if you are wondering whether there are ways you can help your kid learn smarter and faster, you are at the right place.
In this post, we’ll dive deeper into the different ways your child can learn faster and study smart. But, you never know, maybe you’ve got a little Einstein in your child. Below are the ten proven strategies you can adopt to help your child learn faster and score straight As. To give your child an experience of the methods below, why not bring them to Newtonshowcamp, a kids camp in Singapore where they will be encouraged to learn? The instructors use playful and fun ways and state-of-the-art learning methods to ensure your kid gets as much knowledge as possible.
1. Gamification of Learning
Using gamification is a great strategy to make your child’s learning an efficient process. In gamification, the learning process is turned into a process. For instance, you can teach your child how subtraction and addition work by playing a shop with your child being the customer and you being the shopkeeper. Your kid will learn how to subtract and add through working out whether the change is correct.
Children learn best when having fun and are stimulated, making gamification of learning an effective strategy. That is why in our Easter camp, we will have different interactive learning games to teach your kids mathematics, chemistry, languages, and even sciences.
2. Ensure They Get Enough Sleep
If your children do not get enough sleep, regardless of the number of hours they put into religiously completing their or reading every night, all that excellent work will be in vain. Sleep is incredible and powerful for helping a child study. Hence, ensure you’ve created a sleeping schedule that your kid follows religiously. They should get at least eight hours of sleep each night.
To show you how critical sleeping is to a kid’s learning, the researchers have established that the child loses about two years of brain function by missing an hour of sleep.
Research has also established that an A student sleeps 15 minutes more every night than a B student and 30 more minutes than a C student. Therefore, to help your kid become a star student, ensure you set a strict bedtime each night. Make sure the child has got eight hours of sleep. Prohibit them from using devices or a screen one hour before they go to bed.
3. Using Learning Frameworks
To help your child study effectively, you must understand the learning process and use frameworks. The “Learning Pit” is among the most effective learning frameworks. It describes the learning process when your child starts overconfident; they realize they aren’t understanding and quickly get discouraged. However, they begin to understand and comprehend through encouragement, dividing the concept into several simple parts and repetition. After conquering the new knowledge, your child feels triumphant. We’ve implemented this framework in our Easter camp, and it works very well in all students.
Through understanding the learning pit, you enhance your child’s learning process, preparing them for the struggle ahead, reassuring, and helping them move past the difficult stage to learn.
4. Instilling Self-confidence
Self-confidence is a vital value for your child. Anything starts from believing, and smart children first believe they are smart long before they become so. Self-confidence is a powerful value where an average kid believes they can do something better or are good at something. Therefore, they spend more time performing it and aren’t intimidated by the difficulties. They get a lot of satisfaction from the activity to the extent that they overachieve.
By believing that your child can succeed and instilling self-confidence in them, you can make your child a star student.
Although this might sound far-fetched, it has research backing. Researchers Lenore Jacobson and Rosenthal did an experiment in which they told teachers they had several gifted students in their class while these students were randomly selected. When the “gifted” students’ IQ was tested one year later, their IQ was found to have improved by 22 points. By partaking in various activities in this kid’s camp in Singapore, your child’s self-confidence will be enhanced through multiple multilevel activities.
5. Enroll your Child Into Music Lessons
Teaching your child to play musical instruments is a highly effective method of boosting how they perform academically. Through learning how an instrument is played, your child enhances their short-term memory, reasoning skills, and concentration abilities. All these have one thing in common; improving the academic performance levels.
In research by researchers from VU University, Amsterdam147 children in a range of Dutch schools were put through a structured musical curriculum featuring practical and theoretical instruction. Two and a half years later, the researchers analyzed the results and established that the academic outcomes of the students who participated in musical lessons improved considerably compared to students who didn’t. So, if you want to help your kids learn faster, pick up a guitar, violin, piano, or any other instrument and teach them to play.
6. Sports and Exercises
Most parents that want their kids to achieve academic excellence believe that sports distract and make their kids too tired for effective studies. However, this is a mistaken belief that might take a toll on the child’s academic performance. While it might make sense intuitively, scientific research shows the contrary. Children who exercise regularly and participate in sports can focus for extended periods, overcome daily challenges effectively, and outperform their inactive peers in standardized tests.
In a study conducted by a group of researchers from Germany on people’s ability to learn post- and pre-exercise, it was found that after exercise, people had a 20% more effectiveness of learning new vocabulary than before the workout. Hence, to ensure that your kid has a higher sense of well-being and learns more effectively in the class, ensure they exercise several times a week and participate in sports.
7. Memory Development
Ensure you use various techniques to develop your child’s memory and cognitive sense. It doesn’t matter the amount of effort your child puts into learning if they can’t recall information under pressure. Fortunately, there are several known hacks to improve the memory ability of your child, like mnemonics. Below are the best known and effective mnemonics:
Method of Loci: You can associate words or things with places your kid has strong memories of.
Acronyms: Every letter in the word begins a phrase, and every phrase describes a certain concept.
Rhymes: Teach your child to create rhymes by tapping into their musical sense. This will help them recall key pieces of information and concepts.
Start using these mnemonics and teach them to your child. Then, they will never struggle with remembrance during an exam.
8. Ensure Your Kid Doesn’t Fear Making Mistakes
It has been commonly said that “you aren’t learning if you aren’t making mistakes.” One of the main reasons a child’s learning stalls or regresses is that they fear making mistakes or looking stupid. However, that avoidance of making mistakes or fearing to appear stupid hurts your child’s ability to learn.
The only way of learning and improving in any skill is by adjusting and trying new things. At Newtonshow camp, kids interact with robotic materials and even assemble one themselves. They also participate in various Lego competitions to boost their confidence. Whenever your child tries something new, it is normal to find setbacks and make many mistakes. Always remember, the more mistakes your child makes, the higher the opportunity to improve.
Therefore, to ensure effective learning in your child, make them know that failing and setbacks are all part of learning. Actively encourage your kids to take risks, fail, and adjust. Never let your child fear failing. Whenever they fail or make a mistake, correct them calmly and repeat the task until they understand and improve their skills.
9. Ensure That Your Child Associates With The Right Crowd
Do you worry that your child may fall into the wrong group and pick some bad habits? It is a concern for many parents. Most parents fear their kids will turn to other unhealthy activities and stop learning/studying. Although this was purely on the parent’s intuition in the past, science has proven that the worrying parents were right.
According to a study of Dartmouth college students, it was found that whenever a poorly-performing student having low grades started sharing rooms with top-achieving students, they also started performing better. The poor student is inspired by the star student, leaving their old habits and striving to achieve their very best through learning hard.
10. Reward Your Child
Associating positive emotions with learning is among the most effective methods of getting your child to study. But, how can you do that? The simple answer is through rewards. If getting an A in mathematics means your kid will get their favorite thing or a toy they’ve been dreaming of, they will put an extra effort into their studies.
However, physical treats aren’t the only way of rewarding your kid. Compliment them and celebrate their small wins. For example, if your kid has solved a mathematical problem, compliment them and show or tell them how proud of them you are. At Newtonshow Camp, whenever a child finishes an activity, they are rewarded in various ways, and there is a grand reward for the overall best camper.
Your child wants to make you happy when all is said and done. Hence, by setting up a good reward structure, your kid feels extra affection, and knowing they will be appreciated after achieving something, they might turn into a star student.
Conclusion
All the above strategies and methods of helping your children learn faster aren’t a one-size-fits-all method. Some parents might choose another route while others may try them. Before using the above methods to help your child learn more quickly, ensure both of you have a conversation surrounding them. Remember, learning isn’t an overnight process, and every step is vital in building your child’s fun learning Journey. Newtonshowcamp is the one place where your child may experience most of the above strategies first-hand.
While you and your partner are compatible in many areas of your life, it is possible to be financially incompatible. Ongoing financial problems can quickly put a strain on your relationship. As such, these are some red flags that you may keep a lookout for.
#1: YOUR PARTNER HIDES HIS OR HER CASH FLOW
What will you do if you find a receipt or a billing statement for a purchase that your significant other made? Moreover, he or she gets defensive every time you bring it up. Over-spending, lying, and hiding finances can destroy any relationship.
Your partner not only spends money without telling you, but also spends a portion of your joint savings and hides it. You can work through your financial issues by attending counseling together.
#2: YOUR PARTNER CONTROLS YOU THROUGH MONEY
One of the financial issues that counselors observe in a marriage is financial abuse. A spouse tries to control the other through money and allowance. This is more common for people who only have a single-income household. It is nice to have someone take care of financial matters, but decisions need to be made as a team.
Your spouse should not hang financial decisions over you once you are married. Consider seeking help before the situation becomes too serious to manage.
#3: YOUR PARTNER LIES ABOUT FINANCIAL MATTERS
One of the biggest red flags that you must watch out for is dishonesty about financial situations. From small instances such as hiding the amount spent on a dress to big instances such as hiding the amount of debt they have, lying about your bad financial situation and spending habits can hurt your relationship.
Image Credits: pixabay.com
Lying sets a precedent for later in the marriage, and it is not a thing that you want to deal with.
#4: YOUR PARTNER HAS AN ADDICTION
It is tough to maintain the stability of your relationship when your partner has an addiction problem. From drug addiction to gambling or shopping addiction, you need to handle your financial issues as a team when addiction is involved.
These types of behaviors can affect your finances and destroy years of hard work. You should certainly see a counselor to work through your partner’s struggles with addiction.
#5: YOUR PARTNER DOES NOT PAY BILLS ON TIME
While everyone makes mistakes, it is a different story if your partner consistently pays his or her bills late. Does your partner notice? Does your partner care?
If you live together, this shows that your partner is not considering you or how unhealthy habits affect the relationship. Discuss this important matter with your partner.
You are one step closer to the aisle. Congratulations! Tradition dictates that you pop the question with a ring. With the variety of engagement rings in Singapore, how will you find the “perfect” one?
Diamonds are considered a classic choice for engagement rings. You see, diamonds are one of the strongest naturally occurring substances on earth and are capable of withstanding almost anything. It symbolizes the kind of commitment that comes with marriage. However, diamond rings may not be the best choice for everyone. If you are looking for a less expensive or a more unique engagement ring, you may consider a diamond alternative instead. Look at these five beautiful gemstones that can suit your partner’s taste!
#1: RUBY
Classic and bold are words that encapsulate the beauty of rubies. Ruby is the gemstone of love. Its visually pleasing color comes in shades of deep pink to red. It makes a wonderful contrast when paired with yellow or white metals.
Suitable for everyday wear, rubies are certainly durable. When it comes to its price, ruby is not as inexpensive as the other gemstones. Rubies are priced higher per carat than any other colored gems.
#2: MOISSANITE
In the past several years, moissanite has become increasingly popular as a diamond alternative. It not only resembles a diamond, but also sells at a fraction of the price of the diamond. Active brides can benefit from the durability of moissanite gemstones. After all, moissanites are the second hardest gemstone used in jewelry making today.
#3: AQUAMARINE
Looking for your “something blue”? Opt for a serene and elegant choice such as the light blue aquamarine. Part of the beryl family, aquamarine can be a beautiful family heirloom. Just ensure that you keep it separately from other jewels and polish it over the years. With its hardness rating of 7.5-8, aquamarine can be scratched by diamonds and sapphires.
#4: EMERALD
With its glistening green hue, emeralds are a gorgeous choice for an engagement ring. Emeralds are customizable. It comes in a variety of shapes and sizes to easily fit your dream ring.
Like aquamarine, emeralds have a hardness rating of about 7.5. Thus, it will require a little more attention and care when being stored or worn. The most appealing emeralds come in deep green with a highly transparent appearance.
#5: SAPPHIRE
Sapphire is a precious gemstone known for its elegance and durability. Sapphires are one of the hardest diamond alternatives and are ideal for everyday wear. It is made to last a lifetime. Moreover, there is less upkeep with these gemstones.
Sapphires are usually less expensive than diamonds of similar carat weight and shape. Because of this, white sapphires are highly sought after as an alternative to diamonds for engagement rings. Couples who are eager to maximize the size of the center stone while staying within a budget can opt for a sapphire.
Image Credits: pixabay.com
As you start this life-changing journey, remember what the ring symbolizes for you and your partner. As J.W. Lord put into writing:
“A wedding ring is a symbol of commitment; a promise, a pledge, and a vow. The promise is to forsake all others, to stay devoted and true; the pledge is to honor that promise selflessly, to see the whole thing through; and the vow is to keep that pledge unwaveringly, until the days are few. It is a mutual agreement to become one instead of two.”
From robot vacuums to cordless vacuum cleaners, modern technology redefined how we achieve spotless floors! Cleaning your home became less of a chore with innovations such as these.
Let’s put a spotlight on cordless vacuum cleaners in Singapore. You do not have to worry about pulling a cord throughout the house because these are convenient and portable. It also operates with rechargeable batteries.
Cordless vacuum cleaners come in different shapes and sizes, but some of the best models in Singapore include the ones listed below.
#1: ELECTROLUX ALLERGY ERGORAPIDO BRUSH ROLL CLEAN CORDLESS VACUUM CLEANER
Electrolux Allergy Ergorapido’s name may be mouthful, but it is efficient. People with dust allergies can find this model beneficial as it comes with a filter that gets about 99.99% of micro dust. It claims that its “HEPA grade five-fold high filtration system effectively blocks secondary pollution”.
Image Credits: lazada.sg
Lastly, its charging time is four hours.
#2: AIRBOT SUPERSONICS PLUS CORDLESS PORTABLE VACUUM CLEANER
Do not be fooled by its inexpensive price as Airbot Supersonics Plus is a portable handheld cordless vacuum cleaner that comes with several modes. It has an OLED display screen for clearer and easier monitoring of battery levels and vacuum modes. As a bonus, it looks aesthetically pleasing in deep red!
Image Credits: airbot.sg
Use its LED light for easier visibility under sofas and beds. In terms of power, Airbot Supersonics Plus is an upgraded 25 kPa model with a charging time of about 4 to 5 hours.
Weighing in at only 0.84 kg, the Eluxgo EC19C is lighter than many laptops in today’s market. If you are always on-the-go and intend to use this vacuum cleaner while you travel, this extremely light tool is a lifesaver.
Image Credits: lazada.sg
As a friendly warning, Eluxgo has a weaker suction power and a shorter battery life compared to the other models on this list. It is sufficient for a university student that is looking for a device to clean his or her dormitory room.
Dibea D18 is a powerful mid-range model that empowers up to 40 minutes of cleaning with 12,000 pa suction power. It comes with two cleaning modes to suit your needs. You can also access hard-to-reach corners with its wide floor brush and LED lights.
Image Credits: fairprice.com.sg
Take advantage of its 2-in-1 soft brush function that can clean floors as well as office carpets. Lastly, it is supported by HEPA multi-stage filtration system. Simply put, it is practical and flexible!