Complete Your Home Gym With These Inexpensive Equipment

One of my partner’s resolutions for the year 2019 is to achieve his ideal shape! With this goal in mind, he enrolled in a nearby gym and set a schedule for his fitness regimen. To support this, he and I exercise at home with the following equipment.

Do not worry! You do not have to break the bank to get ripped.

YOGA MAT
Price: S$9.90 at Decathlon

Image Credits: pixabay.com

Investing in a Yoga Mat is a must due to its versatility. Not only can you do all sorts of yoga poses in a non-slip surface, but it can also protect your joints as you exercise. Exercising on a yoga mat goes beyond the practice of yoga. You can do push-ups or ab crunches while on the mat.

PVC HAND WEIGHTS
Price: S$13 at Decathlon

Easy-to-grip hand weights or dumbbells need no introduction! They simply add resistance to your cardio routine or strength training. You may also step up your yoga poses while holding a pair or two-pound weights!

JUMP ROPE
Price: S$2.50 at Decathlon

There is a reason why boxers incorporate the classic jump rope to their training. It improves a range of skills such as balance, stamina, endurance, and coordination. Not to mention, this lightweight and tangle-resistant rope is adjustable for different heights.

RESISTANCE BANDS
Price: S$3.90 at Decathlon

Resistance bands are cheap, convenient, and light. Toss a couple of resistance bands in your drawer to enjoy the 20 to 50 pounds of resistance in aid of your strength training. Research about the poses that you can do with it.

AB WHEEL
Price: S$10 at Decathlon

The Ab Wheel is one of the as-seen-on-TV products that actually work. It earned the hearts of many due to its ability to tone the abs. If you are sick of crunches, this alternative may be perfect for you! Made of stainless steel or heavy-duty plastic, it is durable enough to last.

MEDICINE BALL
Price: S$4.90 at Decathlon

While I will not require you to spend a huge amount of money on a full set of medicine balls, you may invest in one or two of them. Medicine balls are about the size of a Basketball, but can weigh from 2 to 30 pounds.

Image Credits: pixabay.com

Use these weighted balls to support your ab exercises. Ultimately, it is fantastic for building your upper-body power. Try throwing it against the wall or to a partner.

Sources: 1 & 2

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4 Budget-Friendly Healthy Snack Ideas

I have always wondered why my immediate eco-system is fueled by people who are conscious about their weight. They go to significant measures such as strict dieting or regular exercising to reach their desired figures. In their journey, I often ask about their eating habits. I found that they create rules to adhere to healthy snacking. What is healthy snacking, exactly?

Well, I rounded up the list of the snacks that they share in common. These snacks are not only pocket-friendly, but also travel-friendly.

GREEK YOGURT

I, for one, am obsessed with yogurt drizzled with sweet toppings. A healthier alternative to this is a cup of Greek Yogurt. Greek Yogurt is rich with protein – taking up 22 grams of protein in 8 ounces of it. It is also packed with calcium. What’s more? Flavored Greek yogurt only costs about S$3.95 at FairPrice.

Put a twist to your Greek yogurt by adding a teaspoon of honey, fresh fruits, and nuts. Prepare this mixture in small containers to save time. Worry not about consuming everything at once as you can keep it for about two months.

AIR-POPPED POPCORN

Who does not love Popcorn? Instead of buying bagged microwave popcorn, the healthiest way to eat it is to cook whole-grain popcorn at home. Whole-grain popcorn contains a lot of fiber and antioxidants. It works well as an afternoon or an evening snack, which can liven up your movie marathons. Best of all, it will not cost you a fortune!

Image Credits: pixabay.com

Go old-school by drizzling your kernels with olive oil and sea salt. Or, give it a kick with cayenne pepper and maple syrup.

HUMMUS

One of the world’s oldest farmed food include the main ingredient of Hummus – the chickpeas. Chickpeas are high in protein, fiber, and folic acid. Reap these benefits by creating your own hummus.

Like many snacks, you can save more money when you make your own. Hummus is made of few ingredients including chickpeas, dried tahini, lemon juice, garlic, and olive oil. Nonetheless, you may purchase a tub at FairPrice for about S$6.25.

PICKLED VEGETABLES

What do pickled green beans, pickled cucumbers, and pickled cauliflower have in common? They have low calorie counts and they will not break your budget! Moreover, many pickled veggies have iron, vitamin A, and potassium.

Pair your pickled veggies with crackers or bread. Prices of pickled radish and cucumber start at S$1.50 in FairPrice.

Image Credits: pixabay.com

The healthy snack ideas above are just some great treats that you can take on the road! Can you suggest more?

Sources: 1 & 2

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How To Plan A Wedding Without Getting Fired

For many people, planning a wedding can be a time-exhausting task. It can feel like you are taking another full-time job on top of your current one. Do not fret just yet!

Proper organization, delegation, and time segregation can keep you sane throughout the planning process. Not to mention, you will still be able to keep your beloved job!

ORGANIZATION

To keep the boat afloat, organization is the key! You can either organize your wedding tasks traditionally (i.e., using paper and pen) or digitally (i.e., using computer software and apps). Traditionally, you must keep your wedding tasks and calendar in one notebook. Do not forget to give your partner a copy! Fortunately for you, you can easily update your partner or your wedding squad by creating a digital file.

Image Credits: pixabay.com

Go digital to enjoy the ease of accessing your wedding tasks while you are at work or while you are on the go! Google Drive, its computer software and its phone app, is a good option to seamlessly keep everyone on the wedding planning loop. Remember to use your personal email when getting back and forth with the suppliers and other people. You do not want to use the company’s email to complain about your supplier!

DELEGATION

Whether you like it or not, your career should remain your top priority during the wedding planning process. As such, you must turn to your friends and relatives for help. Treat wedding planning similarly as a big project in the office. Delegate wedding tasks to your wedding squad and provide everyone with a clear description of what they are responsible for. Pass the tasks that you know they will be great! Then, keep the communication lines open to review their works.

It is more efficient to split the delegation with your partner by creating a wedding checklist that includes proposed deadlines. These deadlines will help you to accomplish everything on time.

TIME SEGREGATION

Time management begins by scheduling your couple calendar according to your wedding tasks. This way, you will know you set aside the necessary time to tackle important matters. Moreover, you will be able to set your phone’s alarm to keep track of everything.

Image Credits: pixabay.com

Now, let us go to your downtime. Maximize the time you spent on commuting or relaxing by setting appointments with your wedding suppliers or by finalizing some details. It is better to search Facebook or Instagram with a goal in mind!

Sources: 1 & 2

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15 minutes to a lower tax bill and smooth Tax Season 2019 (1 Mar – 18 Apr 2019)

Lower your tax bill by maximising the tax reliefs available to you, and pick up some tax filing tips for a smooth tax season.

Tax season 2019 has begun, and like most Singaporeans, you may once again be required to file your taxes this year. From filing your taxes to utilising the tax reliefs at hand, here’s a quick way to a breezy tax season.

5 minutes: Find out if you are required to file your taxes this year

To file your taxes or preview your Notice of Assessment, log in to https://mytax.iras.gov.sg using your SingPass.

10 minutes: Edit your tax return and claim the tax reliefs available to you

Your income information may have already been pre-filled in your tax return if your employer is under the Auto-Inclusion Scheme. This means that your employer submits your income information to IRAS on behalf of you. However, if you received additional income in 2018 or spot an error in your tax return, hit ’Yes, I need to edit my Tax Form’ to ensure that these are reflected in your return.

Tax reliefs and deductions are targeted at certain groups of people to encourage social and economic objectives, such as filial piety and the advancement of skills. If you are eligible for any of the tax reliefs below, be sure to make your claims for them in your tax return for a lower tax bill!

Find out more about the tax reliefs – the qualifying conditions and claim amounts – at https://www.iras.gov.sg/irashome/TaxSeason2019/

And you’re done for the year!

When you’re ready, hit Submit before logging out. An acknowledgment message will be displayed upon successful submission of your tax return. Your tax bill will be sent to you between end Apr and Sep 2019. In the meantime, sign up for GIRO if you have yet to for a hassle-free tax payment experience.

Remember, file your taxes at myTax Portal by 18 Apr 2019 to avoid the last-minute rush and late filing penalties.

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Ultimate Guide To Singapore Taxing System

Aside from its undeniable cleanliness and thriving economy, foreign investors see Singapore as a country with an attractive corporate and personal tax rates. The Singapore taxing system is widely known for its tax relief measures, absence of capital gains tax, one-tier tax system, and extensive double tax treaties. What keeps this system going?

To answer that question, we must dive in to different types of taxes.

INDIVIDUAL INCOME TAX

As the name suggests, the individual income tax is imposed on a person following his or her total income. The extent to which a person pays for depends on one’s status in Singapore. At the time of assessment, the government may consider you as a taxpaying resident or a taxpaying non-resident. For residents, the tax rates begin at 0% and are capped at 22% (above S$320,000). For non-residents, the flat rate is 15% to 22%.

CORPORATE TAX

The corporate tax is imposed on a company following its profit or net income. Net income refers to the difference between the total expenses, receipts, and additional reductions in the book value of an asset. You have to understand that a company will only be taxed if the income is generated from Singapore or generated from overseas and received in Singapore.

What’s more? The corporate tax operates on a one-tier system and caps at 17%. By keeping corporate tax rates competitive, the country continues to attract a significant share of foreign investment.

PROPERTY TAX

It comes as no surprise that all property owners in Singapore are subject to Property Tax. It is imposed on property owners based on the expected rental values of their properties. It is levied on the unmovable properties such as buildings and lands. It is pretty much clear cut from here.

GOODS AND SERVICE TAX

Last but not the least is the type of task that we tackle on a daily basis – the Goods and Service Tax (GST). It is an indirect tax levied on the price of goods and services in the country.

GST was introduced in 1994 at a rate of 3%. Years have passed and the rate has been steady at 7%. Imported goods sold in Singapore follow the same GST rate too!

Image Credits: pixabay.com

Use these information to enrich your savvy consumer skills! ?

Sources : 1 & 2

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