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Do You Have The 5 Traits Of A Good Boss?

If you want to succeed in running a business, you need to understand that it takes more than just telling people what to do. You must have the qualities that make you stand out from the rest.

Do not get me wrong, possessing the traits of a good boss will not make you perfect. This is because an individual must act based on these traits. You cannot preach to a crowd if you are disorganized yourself.

Fortunately, these traits can be and must be learned through repetition. Start by knowing what some of these are:

1. CONSCIENTIOUSNESS

Conscientiousness, a trait in the Five Factor Model, has long been associated with success. This is because people who are highly conscientious are dependable and organized. While, people who are low on this trait tend to be more careless, spontaneous, and laid-back.

You can easily spot this trait in the workplace. A boss with a high sense of duty comes to work on time, follows the projects’ deadlines, and avoids unnecessary absenteeism. Acting beyond what is required of you (going above and beyond) is also an indicator of your conscientiousness.

2. COMPASSION

As the noble Dalai Lama once said: “Compassion is not religious business, it is human business…”

He highlights that regardless of our status, compassion is an essential trait for human survival. It is also applicable in the workplace. A compassionate boss can create a workplace filled with people who value each other and who go thru the hurdles as a unit. After all, the Latin etymology of the word “compassion” translates to “to suffer with”. Try to practice compassion in everything that you do.

3. CREATIVITY

Some of the world’s most inspiring leaders are creative individuals. These inspiring individuals include Facebook’s founder Mark Zuckerberg and Patanjali Ayurved’s founder Baba Ramdev. In the local scene, Jeannie Chew of Soaplah comes to my mind.

The invention of the Soaplah came from Jeannie’s previous experiences with skin problems. She was troubled with eczema and other skin issues at a young age that she started making her own natural soap. In her journey to find the best solution, she handcrafted her soaps using natural ingredients such as pure essential oils with anti-microbial and anti-inflammatory properties. Her hard-work paid off as Soaplah offers a variety of soaps that can absolutely soothe even the most sensitive of skins!

Image Credits: www.facebook.com/soaplah

If you are like Jeannie, creative thinking can spark a vision or a sudden epiphany. The road to perfection comes with mistakes. It is your job as a good leader to navigate the wrongs into rights.

4. INTEGRITY

Majority of the people agree that a good boss must uphold integrity and sincerity. Integrity entails honesty in internal and external aspects of the person. It requires you to tell the truth in every situation.

For instance, an honest boss is willing to share the good and the bad news to its employees. It is because he or she knows that they deserve to know.

5. ACCOUNTABILITY

The grave responsibility bestowed on you comes with great accountability. Accountability is not only for the achievements of the company but also for its downfalls. There are no “absolutes” in business. One can never ascertain the things that can happen in the future after making a decision.

Image Credits: pixabay.com

Be fearless and accept the responsibility of your actions. If necessary, hold others accountable too.

Sources: 1, 2, 3, & 4

Infographic: Top Earners – Graduate Employment Survey

This is a guest post from Digital Senior.

NTU’s rise in rankings

We are spotting notable changes in the ranking of the top 10 paying degrees. Last year(http://digitalsenior.sg/graduate-employment-survey-ges-2015/ ) , the only NTU degree we saw was aerospace engineering at number 10. This time round, at 5th and 6th placing, we have both NTU double degree courses. It may be due to a NTU’s rapid rise in world rankings. In 2015, NTU jumped to 13th position in the widely-used QS system, putting it ahead of even Ivy League and European universities such as Yale, John Hopkins, Cornell and King’s College London. NTU doesn’t have a law program and its medicine course is relatively new. As a result of that, some of its strongest degrees are NTU Business and Computing and NTU Accountancy and Business degrees with graduates salaries over $4500. With NTU’s newly established star program- Renaissance engineering students graduating soon, it will be interesting to see how much they would fetch.

IT graduates

Also, there is a trend of computing graduates getting increasingly paid better. It is not surprising considering that many industries in Singapore have transformed with the widespread adoption of internet and technology. Print media is one such example of an industry that has shifted. Individuals with IT skills are definitely in demand. On the other hand, the top 2 paying degrees remained , with law and medicine graduates commanding the highest salaries. It is unlikely that computing students can overtake them anytime soon.

Increase in salary

In general, starting salaries of fresh grads have also went up by around 5-10% compared to last year , beating inflation rate slightly. It is definitely a good sign that our graduates are getting better paid. The better students can expect to be paid around 4-5k a month.

Importance of money management

While it seems like a huge amount as compared to what their parents receive decades ago, it bears knowing that prices of everything else has also increased. Graduates have also their 5-figures student loan to repay, which could be several times the amount of their monthly salary. Financial prudence have to be exercised right from the time they graduate. We see a tendency for many people new to working world splurging their new-found wealth as soon as they graduate.

While we do not want to paint an overly pessimistic picture for an event as delightful as graduation, the importance of financial planning cannot be overlooked. Many other financial obligations will set in awhile after graduation- housing loan, car loan and kids’ expenses etc. If proper planning is done beforehand, alot of heartaches can be saved.

Advice for graduating students

Luckily, more than 90% of graduates are able to find jobs 6 months within finishing their final papers, which is what we see in the previous years as well. As long as savvy management of money is carried out, we are confident that a smooth sailing financial life is a guarantee for graduating students.

The salaries definitely comes with a “price” as it can be seen that there is a correlation between potential salary and entry grades requirement for each course. If you are looking at earning well in the future, it definitely pays to study harder! That said, the ideal scenario would be find a course you like and can pay well! All the best.

5 Steps To Write An Irresistible Business Proposal

A business proposal (BP) is a written document that is sent to a potential client in order to obtain a specific goal. It is a crucial tool that can help you navigate and manage your business.

The challenge is for you to write a proposal that will keep your prospects hooked!

UNDERSTAND YOUR PURPOSE

It makes perfect sense to begin your journey by identifying and understanding your purpose. Answer this simple question: “What product or service are you selling?

A business proposal is created to earn sales and not just to inform people about what you are offering. Understanding the purpose of your business proposal will help you define the problems it needs to address as well as its solutions that provide value.

CREATE AN OUTLINE

After knowing the direction that you intend to take, it is time to organize your business plan by building an outline. The six fundamental parts of the BP are the executive summary, business overview, offer description, marketing analysis, detailed implementation, and financial projection.

The executive summary is synonymous to the abstract of a research paper. It includes the essential elements of the business plan that your client can easily read in a glimpse. Be sure to include the background of your business, its mission and vision, the market opportunity, its financial requirements, the competitors, and its financial projections.

Business overview gives a background of your business. It includes when and why your business was formed, its mission and vision, its business model, and any existing strategic relationships with other brands or institutions.

Image Credits: wikihow.com/Write-a-Business-Proposal

As the name suggests, the offer description highlights the nature of the products and services that you are selling. It seeks to describe these in detail by including information such as the manufacturing process and the availability of materials.

Inside the marketing analysis is the layout of your marketing strategy that addresses customer service, sales, public relations, and advertising.

The second to the last section is where the investors focus on – the detailed implementation. This part includes the dates and the deadlines of your business plan.

Lastly, the financial projections specifies the “quantitative interpretation of everything you stated in your organizational and marketing sections”. Include your projected profits and losses in the next three years or so.

DO SOME RESEARCH

Tailor your business proposal to the personality and the “vibe” of your potential client as much as possible. If you prospect’s target market is the youth, highlight the benefits of your products to the hippie millennials. Do further research on the needs and wants of your prospects.

This will ensure that your BP is comprehensive.

WRITE THE CONTENTS

Curtains are all set. It is time to perform! Let your thoughts flow in harmony with the outline you set.

Add additional information such as the people involved in the business, your successful track record, and the evidence of the business’ financial stability. This will strengthen your claims as well as your perceived competence.

EDIT THE PROPOSAL

The last step entails that you transform into your own critique. The face value or the appearance is as important as its content. Make sure that there are no grammatical and typographical errors. If you are not good with words, you can always high a professional to do the task.

Image Credits: wikihow.com/Write-a-Business-Proposal

Remember that the BP must manifest how you and your business can benefit potential clients.

Sources: 1, 2, & 3

Delicious And Affordable Places For Churros In Singapore

Just when I thought that the CHURROS CRAZE was long gone, it came back with new and improved versions. Churros come in every color, shape, and sizes. You read that right! Retailers stepped up their games with unique flavors such as Ondeh Ondeh and Sea Salt Charcoal.

Know where to look for these amazing flavors (and more) by reading this list of affordable places that serve Spanish-style Churros…

MORE OF THE GOODNESS

Alt-Yard is the wonderful off-spring of Fluff Bakery and Penny University. It serves chunky churros, specialty coffee, and other delectable desserts. By desserts, I am talking about finger-licking flavors such as Nutella Red Velvet Cupcakes and Chocolate Chewy Marshmallow Cookies!

Going back to Alt-Yard’s take on the Spanish street food, their churros are lightly drizzled in cinnamon sugar. Accompanying this made-to-order churros are the affordable dips such as Salted Caramel ($1) and Chocolate Ganache ($1).

If you are looking for a unique spin on the local favorite, try the Ondeh Ondeh Churros ($3.80 for 7). It comes with a Gula Melaka dip and is coated with shredded coconut shavings. This batch of churros is so good that it will leave a lasting impression.

Image Credits: Muhammad Safiudin

Location: 5 Tampines Avenue 3, Tampines West Community Club, Singapore 529705

STAR OF THE CROWD

Say you decided to invite your friends at Clarke Quay to party the night away after an exhausting week at work. With several establishments in that area, try chilling at a place that is beloved by the night crowd – the Alegro Churros Bar. It serves authentic Spanish street food paired with a range of beer and other liquors. Its authenticity is due to the special pulling equipment that was imported from Spain. This said equipment is used to make tasty churros. What makes their churros special is its texture that is crispy on the outside but chewy and soft on the inside.

The average price per person is S$13, according to hungrygowhere.com.

Image Credits: hungrygowhere.com/singapore/alegro_spanish_street_food/photo/80bd0000

Location: 3D River Valley Road #01-13, Singapore 179023

OUT OF THE ORDINARY

Tired of the plain looking churros that you normally see? Take a chane on the Churros Factory instead. Savor the divergent flavors such as Sea Salt Charcoal, Red Velvet, Raspberry, and Ondeh Ondeh Churros.

Churros Factory’s Ondeh Ondeh Churros with Gula Melaka has a crunchy brown exterior that is filled with pandan delight (S$7 for 6 pieces or S$5 for 3 pieces)! While the Raspberry Churros are sinfully scrumptious when dipped into the chocolate sauce. Worry not about their sugar to pasty ratio as the sweetness is just right.

Image Credits: facebook.com/churrosfactorysingapore

Locations: Several outlets in Singapore as seen on churrosfactorysg.com

Have fun snacking! 🙂

Sources: 1 & 2

Best Cash Rebate Credit Card in Singapore for Frequent Travellers

This is a contribution by Alison, who blogs at www.heartlandboy.com

Heartland Boy recently took a leap of faith to accept a job assignment in the chaotic streets that is Jakarta.

As a recently married and henpecked husband, he agreed voluntarily to fly back to Singapore on weekends so as to spend time with his lovely wife, Ms Heartland Girl. Heartland Boy does not have the luxury of having his company fund his weekly trips home; so minimizing his airfares were a huge priority for him. Therefore, Heartland Boy set out to look for the best cash rebate credit card for frequent travellers, instead of the typical credit cards that issue air flyer miles.

After comparing across various credit cards in the market, the ANZ Optimum World MasterCard Credit Card is the best cash rebate credit card for frequent travellers due to its headline grabbing 5% cash rebate. In this programme, the cash rebates are awarded in the form of Optimum dollars but essentially, they are effectively as good as cash. Therefore, for simplicity, Heartland Boy shall address Optimum dollars as cash rebates in this article.

Source: https://sg.anz.com/apps/optimum/

HOW ANZ OPTIMUM WORLD MASTERCARD CREDIT CARD WORKS

Select 1 out of these 4 categories. [Dining&Leisure, Travel, Shopping, Groceries]

Table 1: Definitions of the categories under the ANZ Optimum World MasterCard Credit Card

The selected category, otherwise known as a core category, will earn 5% cash rebate, while the remaining 3 categories (non-core categories) will earn 1% rebate.
The cash rebate is calculated based on every multiple of S$10 where the transaction amount will first be rounded down to the nearest S$10. The table below illustrates the different type of transactions and the cash rebates applicable.

Table 2: Cash rebates applicable on the ANZ Optimum World MasterCard Credit Card

The cash rebates will accumulate daily and eventually be rounded down to the nearest dollar on your monthly statement. Therefore, assuming that those were the only 2 transactions for the entire month, the ANZ Optimum World MasterCard Credit Card holder will earn a total of S$11 cash rebate for that particular month.
Once you have accumulated a minimum of $50 in cash rebates, you can choose to “redeem” the cash rebate to offset the cost of your future transactions. Redemption of cash rebates are in multiples of S$50.

What Heartland Boy likes about ANZ Optimum World MasterCard Credit Card

With a cash rebate of 5%, it is easily the best cash rebate credit card for frequent travellers.
No minimum spend is required on the ANZ Optimum World MasterCard Credit Card to earn the cash rebate. Therefore, even if you charge S$20 for your core category on the ANZ Optimum World MasterCard Credit Card, you already earn S$1 cash rebate for the month.
There is no limit to the amount of cash rebate you can earn in a single month.
Cash rebate earned have a long validity period of 3 years.

Tips on optimizing the ANZ Optimum World MasterCard Credit Card (pun intended)

As card holders are allowed to change their core categories every quarter, you may want to switch category in anticipation of some big ticket expenditure. For instance, if you are booking year-end holidays for the family, it will be good to switch to “Travel” category to earn the maximum 5% cash rebate. After completing this big ticket expenditure, card holders can still switch back to their original core category in the next quarter.
Note that the maximum amount of cash rebate awarded per transaction is S$30. This translates to S$600 and S$3000 per transaction for your core and non-core categories respectively. If your transaction exceed the quantum, you may want to break up your transaction into separate receipts and payments to qualify for more cash rebates.
ANZ is having a credit card promotion now whereby new-to-bank customers who apply for the ANZ Optimum World MasterCard Credit Card and have their credit cards approved by 15 March 2016 and spend at least S$488 on their Credit Card will earn a cash rebate of S$100! Readers who are eligible should take advantage of this credit card promotion!

In reality, the ANZ Optimum World MasterCard Credit Card is a fantastic credit card as long as one is a “heavy” user of any of the four categories. For instance, a parent with a large family may find the 5% cash rebate on groceries very useful. Heartland Boy also thinks that readers can be creative and utilise a suite of credit cards to leverage on their respective strengths. For instance, Heartland Boy uses the ANZ Optimum World MasterCard Credit Card to book air tickets and the OCBC 365 Credit Card to pay for bills at restaurants.

HOW ANZ OPTIMUM WORLD MASTERCARD CREDIT CARD WORKS

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