How do you bargain for a higher salary?

The Straits Times recently published an article on “Why a safe job is risky business for Singapore”, which urged young job seekers to change their mindset about the risk and remuneration issues apparent in local Small and Medium Enterprises (SMEs). While these are common issues faced by SMEs which often have limited resources to offer competitive salaries that may inevitably compromise their company’s growth, it is time to rethink the prevailing practices surrounding employment and compensation. Indeed, considerable funding support from SPRING such as the SME Talent Programme for SMEs should provide a strong impetus for SMEs to strengthen their competitive edge in today’s dynamic and rapidly evolving world by offering pay packages commensurate with each individual’s qualifications, experience and competence.  

To all job applicants: It is not too late to “flaunt” your attributes, but please convey your gifts in a measured way. The diagram below just serves as a reference guide.

To the employers: It is never too late to start appreciating your potential hires’ talents that may prove invaluable to your company’s development and progress.

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Amazing Date Ideas That Don’t Cost A Dollar

Dates can become a burden to the wallets of broke students. The idea of dating at a limited budget can sometimes be stressful and embarrassing. Well, not anymore! You can go on amazing dates without spending a dollar! Remember, there is absolutely nothing wrong about staying frugal while dating.

1. GO ON A TREETOP HIKE

Take your special someone to a morning hike while watching the sunrise at the MacRitchie Reservoir Park. MacRitchie Reservoir Park houses several long hiking routes including the famous TreeTop Walk. The TreeTop Walk consists of a freestanding suspension bridge that connects two highest points namely: Bukit Peirce and Bukit Kalang. This is the first of its kind. Your date will truly appreciate the unique experience of looking over the variety of plants and animals while being about 25 meters off the ground.

2. HAVE A GAME NIGHT

Turn your date night into a romantic game night. You can get to know each other while playing the infamous childhood game of Truth or Dare. Learn a lot about his or her boiling points while playing poker. Wage it with anything other than money (e.g., kisses or chocolates). Lastly, you can even play fun board games such as Monopoly, Scrabble, and Battleship.

Image Credits: Anders Ruff Custom Designs via Flickr with CC Attribution-NoDerivs

Image Credits:
Anders Ruff Custom Designs via Flickr with CC Attribution-NoDerivs

3. CONDUCT A VIDEO GAME SHOWDOWN

Get your XBOX, Wii, or Play Station ready for a showdown. Nothing beats a date filled with enjoyable video games. What is even more interesting are old-school video games. If your old console or Nintendo hand-held game is still operating then, spend the night by facing each other into a classic brawl of Super Mario Brothers or Street Fighter. This is a sweet trip down the memory lane!

4. HAVE A MOVIE MARATHON

Looking for a perfect first date experience? Look no more as MovieMob brings you the premier outdoor movie screenings that would not cost you a cent! MovieMob, an acclaimed Outdoor Movie Specialist, screens movies to various locations around Singapore. Instead of heading to a fancy and pricey restaurant, plan a picnic while enjoying a free movie at the park. Stay updated by visiting: facebook.com/apemoviemob.

Alternatively, you can host a movie marathon by watching free movies at home. Catch a free flick or two in the comforts of your own home by watching at YouTube’s Movies playlist at youtube.com/user/YouTubeMoviesWW. Turn the romance on by switching to scented (and safe) candles instead of lamps and by heating up a bag of popcorn.

5. LEARN A SKILL TOGETHER

There is nothing more romantic than sharing your interests to your partner. If you are a fan of cooking and baking then, teach him or her the basic recipes and techniques. And, if neither of you have a special skill, you can look up free online tutorials and make a DIY project together.

Image Credits: Howard Holley via Flickr with CC License

Image Credits: Howard Holley via Flickr with CC License

Having tight finances should not stop you from spending quality time with your special someone! 🙂

Sources: 1, 2, & 3

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Have A Selfie Spree At The Most Picturesque Places In Singapore

Are you an aspiring model or photographer looking for the perfect photo-shoot location? If you do not have the access to a professional studio, fret not because there are a lot of picturesque outdoor spots that are worth visiting. These spots are not only limited to models or photographers; if you want to savor the scene, you can too! You can always take great photos for fun! Just have your selfie stick ready as you go to the Most Picturesque (Yet No-Cost) Places In Singapore…

1. FOR THE HERITAGE NOSTALGIA

About 15 minutes away from the Eunos MRT is your first potential photo-shoot location – the Koon Seng Road. It is filled with traditional Peranakan shophouses that are pastel colored and intricately embellished. Be in awe with the rich architecture background as you take a beautiful selfie.

2. FOR THE ARTISTIC TOUCH

I was one of the lucky few people who witnessed the halls of National Gallery Singapore before its grand unveiling later this year. All I can say about it is that, every corner and every room is undeniably Instagram worthy. This is because the place used to be the halls of the Supreme Court and the City Hall. Starting it off with the elegantly white entrance that used to be a car park. Instead of going inside the traditional doors, we went inside the windows.

This majestic space is the #Singapore Courtyard at the @nationalgallerysingapore❕

A photo posted by Registered Psychometrician (@agoncilloanna) on

Simply, they took something old and added a creative modern twist. An aesthetically pleasing background is perfect for snaps!

3. FOR THE CHILD IN YOU

Travel to Toa Payoh to see the Dragon Sand Playground…this might be the last of its kind. As its name says, the playground is dragon shaped and sand based. These were the popular playgrounds in the 70s-80s. After 1993, they were phased out due to safety concerns. Take a trip down to memory lane and reminisce your childhood memories as you take photos of your #OOTD (Outfit Of The Day).

Image Credits: http://remembersingapore.org

Image Credits: remembersingapore.org

4. FOR THE NATURE JUNKIE

Punggol Waterway Park as is one of the favorite locations of wedding photographers. It is located at the heart of the Punggol Eco-town – the first eco-friendly town in Singapore. That said, you could take unforgettable pictures along the Punggol Waterway Bridge and the Punggol Waterway Park Tree.

5. FOR THE TOTALLY HIPSTER

Two of the hippest spots in Singapore can house the most pleasing photo-shoots. These are namely: the Haji Lane and the Orchard Gateway Bridge. Haji Lane has a myriad of vintage shophouses that sell contemporary and quirky items such as accessories and clothing. The road is also filled with textile shops that have been in business since the 50s! And, my favorite corner is that of the Piedra Negra Restaurant’s because of its vibrant graffiti.

Image Credits: Luke Ma via Flickr with CC License

Image Credits: Luke Ma via Flickr with CC License

On the other hand, Orchard Gateway Bridge gives a modern vibe as its futuristic glass bridge joins the orchardgateway@emerald and Orchard Gateway. Always have your camera with you so you can stop and snap some selfies while you are walking along. 🙂

Sources: 1 & 2

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Bored? Here Are 4 Ways You Can Make And Save Money Right Now!

Boredom is unavoidable. It can happen to anyone at some period of time. With this period, you can either waste your time on non-sense facades or get your creative juices flowing! I would rather choose the latter.

Do something productive with your time while earning and saving money with these 4 simple ways:

1. KEEP TRACK OF YOUR PERSONAL FINANCES

Having a good amount of time to spare can be efficient if you utilize it to organize your personal finances. Start by tracking your bi-weekly and monthly income and expenses. Then, review your monthly budget. Contemplate if the budget is enough or overboard.

Image Credit: 401 (K) 2012 via Flikr

Image Credit: 401 (K) 2012 via Flikr

Afterwards, you must review different strategies to improve your budget. These strategies may include cutting down expense categories, limiting your shopping trips, or using coupons.

2. INEXPENSIVE INTERACTIONS

If you are trying to defeat boredom while living frugally, you must practice inexpensive ways to socialize or interact with the people who are important to you.

For instance, you can save more money while having the equal amount of fun when you are having your friends over at your house.

Image Credits: Alex Bellink via Flickr with CC License

Image Credits: Alex Bellink via Flickr with CC License

You can also score free and delicious home cooked meals at your parents’ house. Of course, that comes with having a quality time with them.

3. ANSWER ONLINE SURVEYS

Bring your boredom to your advantage by answering online surveys while making decent money out of it. Answering online surveys is a type of freelance work done during your own convenience. However, it is important to highlight that several companies pay a couple of dollars while others compensate you with gift cards or rewards (e.g., iTunes or Amazon gift card).

Image Credits: 401(K) 2012 via Flickr with CC License Attribution-ShareAlike

Image Credits: 401(K) 2012 via Flickr with CC License Attribution-ShareAlike

Suggested online companies that conduct surveys are: SurveyMonkey, Opinion Outpost, and SurveySpot.

4. BUILD A BLOG

Share your thoughts and the things you are passionate about while making loyal followers and extra money through a blog. In order to get started, your blog must have a thematic niche such as fashion, finance, or parenting. Preoccupy your time by improving the blog’s design and content. Then, start earning by placing advertisements or becoming an affiliate partner.

Curious on how much a successful blogger can make? Well, they can earn as much as S$5,000 a day. Not bad for something that might have been a by-product of boredom! 🙂

Image Credits: Mike Licht via Flickr with CC License

Image Credits: Mike Licht via Flickr with CC License

Sources: 1, 2, & 3

 

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There Is A Fine Line Between Frugality And Cheapness

Frugality and Cheapness are seemingly the same but are entirely different personas.

DEFINITION

According to freedictionary.com frugality is costing little why cheapness is being stingy. In order to analyze these two terms better, here is a concise list:

FRUGALITY

a. Taking advantage of great deals, promotions, or sales while planning for purchases.

b. Delaying gratification and pleasure to make huge purchases or decisions.

c. Does not obsess over brands.

d. Does not sacrifice the quality of the object because solely of the price.

CHEAPNESS

a. Being cheap affects the quality of life as well as everyday interactions.

b. Basic needs are of lesser quality than the norm.

c. Does not binge shop when one has money.

d. Will sacrifice the quality of the object just to by the cheapest one.

Simply, when you are willing to wait for the promotions on Singapore Airlines in order to get the best deal and good quality of flight then, you are frugal. But if you are refusing to spend more than S$150 on a ticket even when it is not feasible then, you are cheap.

TWO PRIMARY DIFFERENCES

There are two observable primary differences between frugality and cheapness. Namely:

1. FRUGAL PEOPLE MAXIMIZE THE WORTH OF THEIR MONEY AND TIME; CHEAP PEOPLE MAXIMIZE SAVING MONEY REGARDLESS OF THE COST

For instance, your group of friends decided to spend the weekend at Bali.

A frugal person will use various money saving strategies in order to build up a fund for future huge purchases or decisions. He or she may opt for in-house water at restaurants, packing lunch for work, and limiting buying new clothing in order to save up for a weekend at Bali. While, a cheap person will skip the trip all together until someone pays for his or her travel.

2. FRUGAL PEOPLE USE VALUE WHILE  CHEAP PEOPLE USE PRICE

Say you are grocery shopping.

A frugal person will use accumulated coupons and purchase items that are only on his or her shopping list. On the other hand, a cheap person will highly decline to spend more than S$90 on a week’s groceries even though it is not sufficient for the whole family.

Image Credits: Paul Swee via Flickr Attribution-NoDerivs

Image Credits: Paul Swee via Flickr Attribution-NoDerivs

With all this in mind, you can now ask yourself: “Do I want to be consistently frugal or just plain cheap?”

Sources:1,2 & 3

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