(1)Talk to your children about Self Reliance. Brainstorm some ways that everyone in the family can be self reliant—at which time, you can challenge and encourage your child to start packing is or her own bag.
(2) Let them know what’s happening: Tell your children about any vacations, trips, overnights, or special classes so that they can start to mentally prepare. Have them start thinking about what they’ll need for their special vacation
(3)Teach them how to make a list: If your child is old enough to write, s/he will be able to start a list of what s/he’ll need to put in the bag. Younger children will need more help then older ones. Check the list after they think it’s complete. If something’s missing, like a toothbrush, simple ask a question like, “what will you need to get ready for bed at night and when you get up in the morning?” Allowing them to come up with the answer will reinforce their abilities to become self reliant.
(4)Designate the bag: If your children are frequently going on a trip to Grandma’s house or goes to their Powerful Words academy every week, make sure they have a bag that is specifically for that situation. That way, they won’t keep taking things out and putting things in—which means things will be forgotten and lost. The bag should be big enough for what they need. Help them to choose the right bag for themselves. If it’s for your Powerful Words school, get a bag with the school name on it so that it’s labeled for that purpose.
(5)What should always be in the bag? Help your children determine some things that stay in the bag at all times. For example, if a special notebook always needs to go to school or class, teach your child to keep it in the special bag.
(6)Teach them how to figure out how much they’ll need: Make some simple equations. Number of nights= number of pairs of underwear. Number of days= number of pairs of socks. Number of hours in class at your Powerful Words School= X amount of water bottles.
(7)Have them get dressed in their minds: If they’re going somewhere hot, have them pretend to get dressed and talk out loud about each article of clothing they will need, for example, underwear, shorts, t-shirt, sandals, hat, sunglasses, bathing-suit and sunscreen. They can do the same thing for class (i.e. t-shirt, uniform, special shoes, socks, any protective/special gear). They can even look in the mirror while they’re doing it so they don’t miss it.
(8) What will they do while they’re waiting? Teach your children to prepare for what they need while they are in action and what they need when they are sitting still. What will they do in the car, on the plane, in the waiting room, or during a break? Whether they are traveling far distances or simply waiting while their sister is taking another class, they’ll need to think ahead and pack accordingly.
9) Have them check off everything on their master list: As each article is packed, teach them to check off the item on their list. Did they pack their camera? Check. Did they pack their belt? Check. Do they have their homework or project? Check. Allow them to check off the items so that it reinforces their own self reliance.
10) Allow them to make small mistakes: While we can’t have them forget their airline tickets, if they forget to pack their favorite stationary for writing, chalk it up to learning. They’ll remember it the next time. Similarly, for class, if they forget part of their uniform or homework, they’ll learn a lot more from feeling unprepared than they will from you going back home to get it for them. While it’s difficult, teaching self reliance comes from trial and error as well as from direct teaching from you.
This month, why not challenge your children to learning how to pack their own bags? Do they have a trip coming up? When is their next class at their Powerful Words school? Becoming responsible for ones own things and becoming more self reliant as they develop, is part of growing up to be a Powerful person!
3/28/11
How to control kids
Recently my daughter took a turn in her behavour. She has been very rebellious, talking back and bullying her mummy. I need to enforce my discipline on her. Even her dad was telling her off. There must be something I can do to enforce the discipline and yet not to be too strict on her. She is a big girl in primary one. I wish to give her ample learning space with limited controls. She has got me fustrated on a few occassions. Actually more than a few. There must be something I can do.
How to Get Your Kids Under Control
- ***Communication***
First, discuss your expectations with your child. Oftentimes, children are not sure what is expected of them. Teach your children to listen to your specific instructions. Make time to have discussion about out of control behavior. Schedule regular family meetings and review house rules. Demand that your child respect authority and start behaving in an acceptable manner.
- ***Monitoring Behavior***
Next, it is imperative that as a parent you monitor the behavior of your children. Every day you need to make an assessment of what your child is doing and how they are acting. Are they disrespectful? Are they constantly arguing with their siblings? If yes, then maybe it is time for a meeting to resolve these issues. Also, help your child to clean her room by checking it every other day. Ask your child if she needs help in any area in order to prevent out of control behavior.
- ***Consequences***
Finally, out of control children need to learn that there are severe consequences to their behavior. Ban your child from watching television for 30 days if she misbehaves. Stop your children from gaining access to the home computer until the out of control behavior ceases. When your child is still acting like a baby, it is time to address the situation. You are the parent; it's time for you to gain control. http://www.ehow.com/how_5046625_kids-under-control.html
Tips & Warnings Listen to your children's concerns. Reward your child for good behavior. Remember that you were once a child yourself. Choosing not to discipline your child is a form of neglect. Never, ever physically abuse your child to the point of injury. Monitor the company your child is keeping. Read more: How to Get Your Kids Under Control eHow.com http://www.ehow.com/how_5046625_kids-under-control.html#ixzz1HwNOySKP
How to control my anger/ temper
I always heard this from my hubby on me need to control my temper/ anger. With having a little girl around, this is quite important as it has become one of the things I been trying to improve as a mum. I am not the most perfect mum with the perfect behaviour but i love my child that is the most important factor. Below are some information I have come across 10 tips to help get your anger under control
- Take a 'timeout.' Although it may seem cliche, counting to 10 before reacting really can defuse your temper.
- Get some space. Take a break from the person you're angry with until your frustrations subside a bit.
- Once you're calm, express your anger. It's healthy to express your frustration in a nonconfrontational way. Stewing about it can make the situation worse.
- Get some exercise. Physical activity can provide an outlet for your emotions, especially if you're about to erupt. Go for a brisk walk or a run, swim, lift weights or shoot baskets.
- Think carefully before you say anything. Otherwise, you're likely to say something you'll regret. It can be helpful to write down what you want to say so that you can stick to the issues. When you're angry, it's easy to get sidetracked.
- Identify solutions to the situation. Instead of focusing on what made you mad, work with the person who angered you to resolve the issue at hand.
- Use 'I' statements when describing the problem. This will help you to avoid criticizing or placing blame, which can make the other person angry or resentful — and increase tension. For instance, say, "I'm upset you didn't help with the housework this evening," instead of, "You should have helped with the housework."
- Don't hold a grudge. If you can forgive the other person, it will help you both. It's unrealistic to expect everyone to behave exactly as you want.
- Use humor to release tensions. Lightening up can help diffuse tension. Don't use sarcasm, though — it's can hurt feelings and make things worse.
- Practice relaxation skills. Learning skills to relax and de-stress can also help control your temper when it may flare up. Practice deep-breathing exercises, visualize a relaxing scene, or repeat a calming word or phrase to yourself, such as "Take it easy." Other proven ways to ease anger include listening to music, writing in a journal and doing yoga. Haha doing yoga is something i hardly do... may be jogging..
Another found
Steps1 Use the "F.L.O.W." method to calm down when you are boiling" Ads by Google Manage Your Anxiety NowA Trans4mational Way to Manage Anxiety Act NOW... Call 9186 3575 http://www.trans4mationaltherapy.com/
F is for Focus: If you feel that you're about to lose your temper, try to focus and remain grounded. Use deep breathing or counting to get your brain thinking rationally.
Tell yourself that you are not going to explode and repeat "I am not going to lose it" several times over, so that the message sinks in internally.
L is for Listen: When you are in a situation that makes you angry, or you are in disagreement with someone, try to really listen to them and empathise with them. Our ability to empathise with others is critical in being able to listen well; if you are not able to empathise, you are not really able to hear. Try to understand the conflict from their point of view; people will value and respect you for listening to them.
O is for Objectivity: If you're in disagreement with someone, try not to take it personally. When you take something that someone else has said personally, you lose all form of objectivity. It is critical that you identify that you are taking it personally. Then you have a choice about how you want to respond. Try to stay objective about the situation, and this will help you to not become angry. Objectivity is an indicator of maturity and helps you to have much healthier relationships.
W is for Wait: People with anger management problems tend to react to situations immediately, without taking the time to consider their reaction.
If you feel like you're about to explode or lose your temper, try to take a moment to think and reflect before you react. Use this time to think about what the consequences of an angry outburst would be. Waiting is a very successful indicator that you are managing your anger. You will feel really liberated and the whole process of managing anger becomes fun.
2 Follow through these steps every time that you encounter a situation that drives you to feel anger.
Let "F.L.O.W." be the mantra that flows through you each time a situation triggering anger arises. # Cease to get angry at situations over which you have no control. Traffic jams, slow queues, strikes, broken appliances etc. are all laws unto themselves and being angry at them is only going to make your own blood boil; it won't change the status quo.
Be productive not angry and use your skills to effect change, such as planning a different route home using a map or GPS, asking a neighbour for a lift during a bus strike or phoning a plumber when the washing machine breaks.
3 Learn the difference between angry expression of your opinions and issues and assertiveness. Many people never learn this and continue to think that yelling, cursing and blowing their top is asserting themselves. It is not; it is reacting in a heated fashion and not using reasoned discussion.
If you have trouble managing this distinction and your anger, seek professional counseling, or join an anger management group to learn coping techniques and to undo bad habits.
3/20/11
Best Sites for Great Deals
Best Sites for Great Deals ( lifted this out from the website as it seen to be very good ) Tuesday March 8, 2011 12:56 am PST If you haven't already bought into the whole coupon craze, maybe it's high time you did. Internet-organized group buying has exploded in the last two years, with world leader Groupon rejecting a US$6 billion offer from Google at the end of last year. The premise is simple - you indicate your interest in a deal and if the requisite number of other people do likewise (the "tipping point" in marketing speak), the deal is activated. While a deal-a-day might not keep the doctor away, the best coupon sites are worth exploring for some great savings. But with some 14 (and counting) different websites in Singapore offering deals that run the gamut of dining, travel and beauty services, it can all be a little overwhelming. We road-tested the most high-profile of these sites to save you time when it comes time to saving.
- BigDeal.sg
- CityNomads.com
- Deal.com.sg
- Groupon.sg
- Hungrydeals.hungrygowhere.com
- Liveoffcoupon.com
- StreetDeal.sg
- Tip-It.com.sg
3/15/11
Recommend Buffet from Friend
- THis has been tried and tested by my friend. I am going to try out personally :) http://www.kuishinbo.com.sg/promotions-kuishinbo/ Singapore, June 23, 2010 Kiseki Japanese Buffet
- feast and East
- Welcome to Vienna International Seafood & Teppanyaki Restaurant. Conveniently located at the Basement of United Square since Year 2002, we provide dining areas of indoor, outdoor and also a private dining room for various occasions. Our menu includes over 150 varieties of food, guaranteed you'll be spoilt for choices! Local favourites & authentic soups, Japanese and Western cuisine, Teppanyaki and also our mouthwatering appetizers and desserts you will not want to miss! Operating Hours & Prices Lunch (11.30am to 3.00pm) Mon - Fri S$32.80++ (Adult) S$18.80++ (Child) Sat, Sun & Public Holidays S$34.80++ (Adult) S$19.80++ (Child) Dinner (5.30pm to 10.00pm) Mon - Thu S$38.80++ (Adult) S$20.80++ (Child) Fri, Sat, Sun & Public Holidays S$40.80++ (Adult) S$21.80++ (Child) Don't forget to try our flavoured tea which are also included in our buffet menu.
Hotel Booking site and info
This is for my personal compliation list. If you have any to add, do feel free to email me. Thanks Hotel Booking
- http://www.hotels.com/
- http://www.hotels.com.sg/
- http://www.agoda.com.sg/
- http://www.asiarooms.com/
- http://www.zuji.com.sg/
- http://www.sg.pyotravel.com/
- http://www.asiatravel.com
- http://www.laterooms.com/
- http://www.hotelclub.com/
- http://www.hotelclub.com/visa/en/
- http://directrooms.com/
- http://www.plentyrooms.com/
Hotel Reviews
Different booking websites tie up with different hotels.
**There's no specific booking website with the best price.
Step 1: Choose the hotel you want.
Step 2: Browse through all the pricing on the booking websites.
Step 3: Book the cheapest and most favorable.
Do take note of the following: Taxes and Service Charges inclusive? Free Breakfast or Internet Access? Pay online or at the hotel?
(Exchange rates may differ when you check-in) Any charges for cancellation, amendment or change of booking?
3/10/11
What Not to Include in your Resume
What Not to Include in your Resume
You’ve probably read tons of advice and recommendations on the design and information you should include in your professional resume, but has anyone ever outlined the information that should not appear in an effective summary of expertise and experience?
Here are some resume “don’ts” for you to consider. Irrelevant Information You should know and understand your “target audience” to create an effective resume.
With ten seconds or less to motivate a reader to finish evaluating a resume, you should eliminate all irrelevant information that means little to your audience.
Highlight the qualities and expertise your audience wants to know about.
You should design your resume to address exactly what the organization is looking for.
Other expertise, regardless of its level and value, may be skills in which your audience is not interested.
You should probably avoid wonderful achievements from over ten years ago, since their current relevance may be deemed useless to your audience for their specific needs.
Too Much Contact Information Make it as easy as possible for interested parties to contact you.
Don’t include your office number, home number, cell number, sister’s number and mother’s number to give prospective employers multiple options to call you. Display just one number, probably your cell phone for ease of contact, or home number.
Also, don’t display five different email addresses. Why not create a separate email location just for your job search prospects?
Consider using just your first and last name as the address, making it easy and simple for employers to respond.
Effective “Objective” Statements Many, from new employees to experienced C-level executives, tend to make a mistake when it comes to this common resume component.
You shouldn’t state what you want in this statement, but instead display how you will help and contribute to the company.
Use pertinent keywords to increase the volume of key word search “hits” for your resume. Since this component appears at the top of your resume, make it hard hitting, interesting and targeted at your audience. This helps attract the reader in the under-ten second time frame available to you.
Entice the reader to finish evaluating your resume with interest and a desire to learn more. Remember, the only purpose of your resume is to help generate a request for an interview. Avoid Tired, Boring Phrases
A common complaint of HR managers and hiring professionals is the frequent use of worn out, static phrasing in resumes from all levels of candidates.
Use high-activity, action words. Consider the words “innovated”, “directed”, “achieved”, “synergized”, “generated” and other action verbs that serve to reinforce your brand focus. Boring, worn out, tired and clichéd phrases will only detract from your objective.
Focus on motivating the reader to email or phone you—at your one address or number—to have a meaningful chat, hopefully leading to an interview invitation. Eliminate all unnecessary and counter productive words, phrases and statements.
Tips to Help You Effectively Manage Teams
Tips to Help You Effectively Manage Teams Managing teams effectively involves many different components, but there are four primary objectives that tend to stand out as most important; mastering these tasks can ensure that you are managing successfully, and will help your team perform at a healthy performance level. Provide feedback and support. Most of the proven methods of establishing yourself as a leader in all areas of business apply to the best team leaders. These qualities include offering consistent feedback, commending good work publicly, strongly supporting all team activities, asking for ideas and feedback, outlining the expected team behaviour, and clearly stating goals and objectives. Your support and encouragement of the team will typically return their loyalty and dedication. Create and implement reasonable and attainable goals. Team goals must be meaningful, above all other considerations. Goal setting can, at times, become more important than the objectives themselves. Avoid this common trap. Meaningful goals will take some thoughtful time to create. They must make sense and provide benefit for the company, the group, and individual team members. Develop individual stars into superior team players. This tip can be easy or difficult to install. Now is the time to use the human management techniques you’ve found or internalized. High performing individuals are sometimes reluctant to blend into a team. They become committed to working alone and believe their notable achievements result from this independence. Sometimes managed competition can give these individuals the excitement they crave to succeed and allow them to become valuable members of the team, too. Foster an environment that encourages team learning. This requires you to emphasize your understanding of the art of management. Learning environments are not usually created by data, numerics or technology. Positive team environments are built through a combination of support, understanding, opportunity and honesty. While learning obviously should be encouraged, you also need to make it challenging, interesting and enjoyable. Often, if you strongly encourage professional bonding and exhort your group to behave like a team, the environment you want will develop. Believe in the iconic rule: “There is no ‘i’ in team.” Melding individuals into a high performing team, bringing out the best of the talent therein, and keeping all members interested and focused is a challenge. And since few managers have the opportunity to hand pick their players, learning to lead a high performing team will make you a more effective manager.
Avoid the Top 10 Interview Mistakes
Avoid the Top 10 Interview Mistakes by Rosmadi Mahmood
( got this online - i will need to refer to this)
For many, the interview is the single most stressful part of the job search process. Any number of things can go wrong, and a big part of being successful is avoiding simple mistakes.
Here's a top ten list of the most common interview mistakes:
1. Arriving late Don't give a weak first impression even before the start of the interview. Lateness shows lack of respect and poor time management skills. After scheduling the interview, find out the distance and directions to the physical location. Don't assume you "know how much time it takes". Being late to an interview adds stress and interviewing is already stressful enough.
2. Under-dressing Dress for success is a common phrase, but a lot of candidates do not take it seriously. Unless the company you are interviewing with instructs you otherwise, wear business professional clothing. Remember that everything - your appearance, your tone of voice, your conduct - contributes to the impression (positive or negative) that you make. Be presentable - wear a pressed shirt, a tie and polished shoes.
3. Not being prepared This interview could be a significant milestone in your career. Re-read the relevant version of your CV and the job advert, just before the interview. You'd be surprised how many people can't remember what they wrote on their CV. Also, be familiar with the job description so you can draw on your experiences, talents, strengths and abilities to connect with the company needs. Highlight how you're suited to that particular job. Not to forget, make sure you've brought with you everything you were asked for. This include all of your essential educational certificates as well as personal portfolio (if any).
4. Failure to research the company As a general rule, the more famous the brand, the more they will expect you to have done your homework. Researching the company shows you're serious about the job. Do your homework before the interview; f ind out about the company's past, vision, competitors, achievements, numbers, etc. Some companies even have their candidate expectations somewhere on their website. Study all these information in detail. Nothing communicates disinterest like a candidate who hasn't bothered to do pre-interview research. On the flip side, the quickest way to a good impression is to demonstrate your interest with a few well thought out questions that reflect your knowledge of the organisation.
5. Lying Be yourself and be honest! Don't pretend to understand a question or train of thought if you don't. The interviewer will pick up on this. If you don't know an answer, say so. Relax and be yourself.
6. Criticising your past boss or coworkers The fastest way to talk yourself out of a new job is to say negative things. You should never talk negatively about your current position, the industry, people that you've work with and previous nightmare dilemmas. Interviewers are interested more in how you overcome these challenges. Anything negative you say about any topic will reflect negatively on you. If there is something you need to express that is negative, say it in positive way.
7. Lack of confidence and enthusiasm Lack of confidence can be a big turn off. If you appear too nervous, the interviewer will think that you're not confident enough to do the job. If you are serious abour getting the job, you'll need to sell yourself as a representative of the company. Show yourself in a way they would feel proud of working with. Make the employer feel that you are excited and interested in the job opportunity rather than just coming to the interview to see what's out there. Maintain eye contact, greet the interviewer with a smile and a firm handshake (not too weak, not too strong), and show common courtesy. Don't be afraid to display your passion for the job/industry and to show confidence.
8. Not listening You must read the interviewer's gestures and tones and respond accordingly. Focus on the question that is being asked and don't try to anticipate the next one. It's OK to pause and collect your thoughts before answering a question. Give a targeted response to what the interviewer has asked. Be clear, concise and to the point. Don't expand in endless explanations.
9. Not asking meaningful questions You don't have to talk at all times in the interview. It is not only okay, but also essential to ask the interviewer some questions. Have at least three or four intelligent questions to ask him or her. Interviews are an exchange of information, and not coming in with questions shows that you did not prepare for the whole interview.
10. Not following up after the interview Calling or sending a note after the interview is your way of showing your appreciation. It is a direct way of telling the company that you are truly motivated and want this job.
About the Author Article written by Rosmadi Mahmood, Editor, Jobs DB Singapore Pte Ltd. He can be reached at rosmadi@jobsdb.com.sg
Website for Job seekers - Singapore
www.jobstreet.com.sg www.jobdb.com.sg www.monster.com.sg Agencies http://www.kellyservices.com/web/global/services/en/pages/index.html
Identify and manage stress
Managing Stress The demands of modern life, particularly for those of us in inner city areas, create tensions for us all. It is an occupational hazard. From the workaholic, who just can't switch off to people who suffer stress from doing boring repetitive work, learning the art of relaxation can transform the way we feel about ourselves, our lives and increase our energy and efficiency levels. The first aspect of managing stress effectively is to understand what stress is, what causes it and most importantly how to avoid it. That is why we as recruitment experts at Kelly Services have included a section which covers the essential points on managing stress during your job search and when you start work with a new employer. What is stress? Some of the symptoms and effects of stress include feeling tense, trapped, keyed up, nervous, not able to concentrate. It can cause aggression, irritability, being obsessive about working, and changes in eating, drinking and smoking habits. This sort of behaviour or conduct is unacceptable during your job search and when you are employed. In fact, it is unacceptable on all occasions as it makes you an undesirable individual at work and in your private life. On the health front, stress can mean headaches, constant tiredness, exhaustion, upset stomachs, high blood pressure, breathing difficulties, pain in the joints and neck and back troubles. All these are negative and debilitating. In fact, stress on the health front can lead to absenteeism arising from medical leave due to medical problem(s). Left unattended, it can lead to burnout and mental illness. Stress should not however be confused with pressure. Pressure can be stimulating or irritating but it is not debilitating. We all need a certain amount of pressure in our everyday lives to function and for a lot of people, increased pressure can be exciting, motivating and energising. This form of positive pressure at work or during the job search can be truly energising and provides the momentum to keep up the effort. This form of positive stress is call eustress unlike negative stress which is called distress. Stress during a job search process can be negative effect on you. You may become tense or freeze up at an interview or inadvertently portray yourself as less than effective in your resume. You should therefore practise some of the tips given in the next section in managing stress positively. How can I manage stress positively? One of the best defences against stress is to have a well-balanced lifestyle backed up by a healthy diet and an idea of the relaxation techniques that work for you. The following techniques are a selection, which can be successfully used to relieve tension and anxiety during a difficult situation. They are not difficult and you will be able to use them without anyone else being aware. •Stepping back from the situation When you feel yourself becoming tense in a situation, try stepping back from it and observe how you are reacting. Are you perhaps imposing something unrealistic on yourself or is someone else? Does the situation really justify the negative stress level? How will the situation look in a week, month or even a year's time? By distancing yourself from what is going on, you should be able to take control and stop you own stress level rising. •Better breathing When we become anxious and tense, our breathing changes. It becomes shallow, fast and irregular. Try to be aware of your breathing as it gives an excellent early warning signal of tension. Concentrate on breathing deeply, taking your breath down to your diaphragm and holding it there for a moment of two before exhaling. Try to get your breathing into a comfortable rhythm and breathe in and out for the same length of time, say for a count of 3 or 4, until you begin to feel calmer. •Relax Mental tension is always accompanied by physical tension particularly in muscles of the face, shoulders, hands and back. A quick way to lessen the tension is to take each part of the body, starting with your eyes then you mouth, shoulders, arms, etc. Clench each set of muscles tightly so you can feel all the tension being concentrated in that one place then release the tension, letting it flow out of your body. These techniques need to be practised and it is more important to remember to breathe evenly and deeply at all times. •Easy eating The benefits of a balanced diet are well known - everything in moderation is currently a fashionable view with an emphasis on fruits, vegetables, wholegrains and pasta. But just as we are what we eat, how we eat can affect out well being too. If you are feeling tense you will have a tendency to bolt your food which is then difficult for your body to deal with often resulting in indigestion and other stomach problems. Try to eat slowly and peacefully and enjoy your meal. If you are feeling stressed, you could consider vitamin supplements. •Don't try to be perfect When we are under stress many of us add to our problems by trying to be everything to everyone - in fact trying to be perfect in every sphere of our home and work lives. We become so busy being busy that we never get a chance to think about how we are coping and about what is going on inside ourselves. If you feel this is happening to you, take stock of your situation. Think about what is important to you, what you want to focus on, what you want to achieve rather than trying to live up to other people's expectations. •Don't worry Don't spend time just worrying about a situation. Try to convert that anxiety into some form of action which will help you to feel much more positive. Try not to worry about things that haven't yet happened or that you can't do anything about. •Positive thinking Don't let superficial chaos of the world get you down - be your own person with your own positive approach to life. Make time every day to close your eyes and use your imagination to conjure up images of the things that give you pleasure or that you enjoy. Don't underestimate the importance of laughter. It immediately relaxes all your facial muscles and is one of the best safety valves for strained nerves. Try to be optimistic particularly last thing at night and first thing in the morning - don't let the cares of the world get you down before you've even had your breakfast. For many people, negative thinking becomes a habit and a very bad one. Try to break the mold and take control of your own thoughts. In summary •Try to identify your own stress triggers •Adopt techniques which work for you - we all cope with stress differently •Be aware of your own symptoms of stress •Accept yourself and don't try to be perfect •Take action to tackle your problems •Looks after yourself physically and mentally •Be positive
12 tough question to prepare
I saw this on the website and think it will be good to share and I would be glad if you can update me if you find a better answer for the following tough question. I would prefer to keep things short for tough question.
- Tell me about yourself. - I would introduce my jovial and easy going character
- What are your strengths? - This depend on the job u are looking for ( multi-tasking, approachable, ability to solve complex issue etc)
- What are your major weaknesses or limitations? - I would find a weaknesses that is also my strenth ( which is my way of working- I am a very fast pace person therefore I can tend to be too pushy at my way of working to attain what I need)
- What are your financial requirements? -
- Why are you leaving your present position? - Stagnant growth in company
- What are your career goals for the next five years? - To progress along with the company and extended my scope to a wider range.
- What was your most significant accomplishment in your last position? - Ability to handle external and internal customer with ease
- Doesn't this job represent a step down from the level of work you've been doing? - ( scope of work and company profile is a major factor for my movement)
- How would you describe your management style? -
- Describe a time you failed. - I would rather describe on with fail communication and the solution after
- How would you approach this job? -
Interview question
Q: Why do you want this job? Be honest with yourself: Why do you want this role? Are you really interested in what the position entails? Are you impressed by the company's view on social and corporate responsibility? Or is it just a really impressive increase in salary? Hopefully it's not just the latter! Why do you want this job? Do you know exactly what will be expected of you? Have you seen a job description? Have you researched the company's website? Do you know people who work there who've recommended them as an employer? Be prepared and do some research! Avoid being on the defensive with answers that begin with because such as: 'Because I think I’d be good at it', 'because it seems like a good opportunity for me' or 'because it pays well'. A recommended answer to this could be: 'Having read the job description and having looked at your company website, the role attracted me as I feel that I have the suitable skills but I am also very interested in what additional responsibility I will gain'. Adapt your answer to suit the role. Will you have increased responsibility? Will you now be supporting one senior director instead of a team of 50? Will you have a more varied work scope with the opportunity to be involved in company projects and events? Q: Why should I hire you? This question is all about selling yourself. Why should someone hire you? Are you brilliant at organisation? Are you proficient at Microsoft Office with excellent use of Powerpoint and Excel? Are you creative and do you really think you could add value to the company? By looking at the job description that was given to you, try to point out your strengths by using examples of work you've done in relation to the requirements for this role. You could say something like: 'I believe that I meet the requirements listed in your job description and I feel that I would really excel in this role as I particularly enjoy working for… (What industry are you going into/role type/seniority level). In my previous role I was responsible for… (Use exact examples of how you can prove your value) Again, adapt this question to suit the role you are applying for! Be enthusiastic in your answer, be positive and confident. If you cannot convince yourself that you'd be perfect for the role - how are you going to convince someone else! Q: What is your biggest weakness? This is known as a negative question, one that interviewers love asking to test your ability to stay cool. We all have weaknesses, let's face it, we're not all perfect! But that doesn't mean that yours should get in the way of your dream job. Think about how you can spin your weaknesses into something positive. Look at the job description to hand and choose one required responsibility you feel you could improve on. Are you shy to make public presentations? Does your time management need a little work? Do you feel you would benefit from Microsoft Office training? A possible answer (depending on your weakness): 'I am aware that my systems skills, Microsoft Excel and Powerpoint are not up to advanced level but this is something that I'm working on by teaching myself in my spare time' or, 'I think my time management is something that I could work on. I've been doing some research and planning and getting better at prioritising and writing to-do lists to help me'. Avoid being a 'perfectionist' or saying 'I have no weaknesses I know of'. This only makes you look arrogant and overconfident. Q: Why are you leaving your current role? Whatever you say - be positive! This is not the opportunity for a rant about how unfair last year's bonus was or how unreasonable your current boss is. For whatever your reason, make sure you turn your answer into something positive. If you're feeling undervalued in your role or have had a personality clash with your boss or colleague, think of how this would sound to a potential employer and make sure to word your answer to suit you favourably. Make sure you have a structured answer to this question before you attend the interview. Simply stating that you would like a 'new challenge' or 'change of environment' can sometimes also send out warning signals to employers so be careful. Be prepared for counter questions! If you answer: 'I’m looking for a new challenge.' Why are you looking for a new challenge? What would you describe as a new challenge at this stage in your career? Why did you not approach your current employers about gaining such a challenge? Focus more on why the new role is perfect for you and less why your current role is not. Q: Tell me about yourself? Be careful. This is not the opportunity to tell the interviewer your life story. 'Well, I'm from a family of six and I live with my eldest brother near the East Coast Park and have recently just returned from a family holiday to America' is probably NOT the answer they were looking for. When interviewers ask this question they're interested to know about how you work, what you enjoy in your career and as a person how well you'd fit in with the culture of the company. What they really want to know is, what interests you, how skilled are you and what strengths you would bring to the organisation. Cater the answer to the role you are applying for! Don't express your enthusiasm to work as part of a team in a busy noisy office environment if you are aware that you'll be a one man band sitting behind a wall in a very secluded room. A good answer to this could be something like: 'I’m a very dedicated worker; I enjoy being part of a team and working in a challenging and dynamic environment and I also work well independently. I like meeting new people and particularly enjoy being involved with administration for projects and events'. Q: Where do you want to be in five years time? This question is a favourite amongst interviewers! Lets be honest - does anyone know where they want to be in five years' time? A suggested answer for this could be: 'I'd like to think I will be working for a successful organisation such as this but in a role with increased responsibility'. You could also tailor your answer to suit the specific role that you are applying for. If you are being interviewed for an Administration or Personal Assistant's role, succession to that would be to become an Office Manager or Administration Manager. If you are aware of the company structure and know that administration staff are likely to be promoted to Business Executives, mention it! A lot with this question is in the way you answer rather than in what you say. Be positive and confident rather than defensive and unsure. Don't give the interviewer the idea that you're still trying to 'find yourself' and you could make the discovery two months after joining the company. Always remember that the interview is a two-way process so have a list of questions you can ask your interviewer at the end! These could include: •What two/three key competencies are you looking for in a successful candidate? •How long have you been with the organisation? What motivated you to join the organisation? •What are the team like to work for? What are you like to work for? •Have you had an assistant in the past that you've got on really well with and what particular qualities would you insist on for your next hire? •Do you have any reservations at this point about my skills or experience?
3/9/11
Good Website to visit
Road direction (Singapore) http://www.streetdirectory.com/ Goverment website www.mom.gov.sg www.cpf.gov.sg Bank website www.dbs.com.sg www.ocbc.com.sg http://www.standardchartered.com.sg/en/index_web.html Purchase of Shampoo/ Vitamins/ cream etc I visit this website to purchase our adult vitamins and my daughter gummy vitamins. This is a good and reliable website. Do visit www.iherb.com Tour - (fr Singapore) http://www.starexpress.travel/about.aspx Budget air http://www.jetstar.com/sg/en/index.aspx http://www.airasia.com/index.htm Hotel Review http://www.tripadvisor.com/ Chalet http://one.pa.gov.sg/CRMSPortal/CRMSPortal.portal http://www.downtowneast.com.sg/resorts/ https://www.aloharesorts.com.sg/home http://www.goldkist.sg/ http://www.arandaclub.org.sg/index/index.aspx Aranda Country Club (30 Executive suites; 143 BBQ pits) community centre website / courses and activities http://one.pa.gov.sg/CRMSPortal/CRMSPortal.portal Courses http://www.ntuclearninghub.com/course-schedule
3/6/11
Five Investing Tips From Warren Buffett
Five Investing Tips From Warren Buffett Share retweet EmailPrint..Brett Arends, On Thursday 3 March 2011, 4:12 SGT What does 's message to stockholders mean for you and your money? Every year Mr. Buffett, the world's third-richest man and arguably the most successful stock-market investor in history, writes a letter to stockholders in his investment company . The latest came out this weekend. There are usually some nuggets for all those who haven't invested in Berkshire, and this year's letter was no exception. Here are five: 1. Watch out for stock-market valuations. Mr. Buffett's company is now sitting on a cash hoard of $38 billion. "That's among the highest levels it's ever been," says Stifel Nicolas analyst . While Mr. Buffett says he is looking for a big acquisition, and has his "elephant gun loaded," the high cash pile also suggests he's having a challenge finding really good deals. If Mr. Buffett is cautious, investors might want to take note: It's another sign that many valuations on the stock market may be looking a little stretched. 2. Coke is it. Mr. Buffett rarely makes predictions, but in the case of —a long-term holding—he issues a remarkable one: Dividends will probably "double ... within ten years," he writes. That would take them from last year's $1.76 to $3.52 per share. If Coca-Cola stock didn't move over that period, it would raise the dividend yield from 2.5% today to above 5%. Berkshire owns 8.6% of Coca-Cola stock. 3. Some of his favorite stocks are still cheap. While the stock market overall has boomed, and it's a battle to find cheap stocks, one thing does stand out: Many of Warren Buffett's favorite stocks remain at, or around, the prices he paid for them. As Mr. Buffett only likes to buy stocks for a lot less than he thinks they are really worth, this suggests you can get a bargain or two—although, as always, there are no guarantees. They include French drug maker . Berkshire Hathaway has accumulated about $1.8 billion worth of the stock. Sanofi's share price has come under pressure lately as a result of its acquisition of biotech giant Genzyme. At $35, its American Depositary Receipts are now about 12% below the average price Mr. Buffett paid. Or look at . Mr. Buffett owns 97 million shares, a hefty 5.6% of the company, for which he paid an average of $33 each. Today the stock is just $32. It has been held back, in part, by the costs of the takeover of Britain's Cadbury. But the stock yields a decent 3.7%. It is a reasonable 14 times forecast earnings, and just over 1.1 times annual revenues. Mr. Buffett also owns 45 million shares in health-care behemoth , a stake valued at about $2.7 billion. He paid about $61 for the stock: It's now $60, 12 times forecast earnings, yielding 3.6%. A cheap stock. And what about ? It's tumbled in recent weeks to $52. That's just 12 times forecast earnings. And the dividend yield, 2.3%, may not be huge, but it's the highest it's ever been. Today's price is just a few dollars a share more than Warren Buffett paid: Berkshire Hathaway accumulated a $2 billion stake at an average of about $48.50. 4. Berkshire stock isn't expensive, by Mr. Buffett's own calculations. No one knows exactly what a share in Berkshire Hathaway is really worth. Mr. Buffett himself told investors over the weekend that if you ask him and his veteran co-manager to calculate the intrinsic value of the stock, "you will get two different answers. Precision just isn't possible." However, he says, "book," or net asset, value is his preferred "understated proxy for intrinsic value." Mr. Buffett writes, "To be sure, some of our businesses are worth far more than their carrying value on our books.... But since that premium seldom swings wildly from year to year, book value can serve as a reasonable device for tracking how we are doing." So it's intriguing that Berkshire Hathaway stock today trades at $128,000, or just 1.3 times that book value. Stifel's Mr. Shields says the historic average is about 1.6 times. If the "premium" between book value and the intrinsic value doesn't swing that much from year to year, one might conclude that Berkshire is looking a little cheap. Naturally, as a big company, it has a lot less growth ahead of it. And as Mr. Buffett is 80, his years of producing spectacular investment returns are nearer the end than the beginning. Nonetheless, in a market where so many investments seem to be trading at lofty valuations, it is notable that Berkshire is below its average. For those who wish to invest, and who don't have $128,000 in spare cash, the economy-class "B" shares trade for $85. 5. Get ready for a dividend hike at Wells Fargo. Mr. Buffett's favorite bank, San Francisco-based , has had its dividend levels held back by the Federal Reserve, along with other banks, during the financial crisis. "At some point, probably soon, the Fed's restrictions will cease," he writes. "Wells Fargo can then reinstate the rational dividend policy that its owners deserve. At that time, we would expect our annual dividends from just this one security to increase by several hundreds of millions of dollars annually." Berkshire Hathaway owns about $11 billion worth of Wells Fargo stock. It added a small amount in the fourth quarter. At $32, Wells Fargo is just 11 times forecast earnings, and less than one and a half times book value—compared to nearly three times book value five years ago. The dividend yield under the current regime is a paltry 0.6%. Five years ago it was around 3%. Write to Brett Arends at brett.arends@wsj.com
3/5/11
How to Cut cost/ What to do to start saving
This is something i need to do.....My resolution for the year.
If you are stretching your financially every month... then there are some place need to be cut. We defintely should not be living mouth to mouth... no saving at all. Minimum of 6 months salary for raining days.. one thing Iwill need to attain. Cheer me on
Got this information from somewhere... need to change it to fit into my own personal agenda.. need more time- Change your attitude to your mortgage The most expensive item you are ever likely to buy is your home. If you're not in the privileged position to pay cash, make sure the loan you use to finance it is the best available. Do your sum. Pull out your bills and check. We just realise we are paying almost 50% of our monthly instalment loan on interest on our HDB flat for the 30 years payment. A review is needed. But as the interest rate to save in the CPF is higher now than the interest rate we are paying, we have opt to continue with the current payment than making a one time payment. You should have some buffer on a few months to pay for your HDB loan on your CPF unless you are able to fully paid your HDB flat. There are thousands of deals to choose from and while it is vital to check the small print for hidden catches, this is a relatively easy way to save a lot of money. Remember: loyalty to your bank benefits your bank, not you. Even better, if you can afford to make overpayments on your mortgage, you'll clear your debt several years early and make massive savings.
- Clear your credit card debt One of the golden rules of financial planning is to clear your most expensive debts first, in other words your credit cards. OK, credit cards offer a convenient way to pay for goods and services but if you can't clear the balance every month, consider a low-cost loan as an alternative. Do the sums
- Cut the cost of your bills As the global demand for power threatens to outstrip supply, prices are rising. But that doesn't mean you need to be ripped off. The domestic market for fuel is a competitive one and you can change supplier with a few clicks of the mouse. Your new supplier will take care of the formalities - you just pay less every month.
- Consider installing a water meter We take our tap water for granted. And why not? The companies behind the supply exist to make a profit, we pay them to supply water and have every right to expect it to flow from our taps. But if it doesn't rain, supply runs dry and the price goes up. So you may want to consider the possibility of installing a meter. If you have a big home with few occupants you may be surprised to learn you could halve your bills
- Cut your home phone bills. If you must use your phone there are scores of cheaper alternatives from cable companies that package your telephone, television and even broadband internet access to low-cost dial-up services that give you access to cheaper calls using your existing line.
- Consider a pay-as-you go mobile Ask yourself this: is your mobile phone absolutely necessary? If the answer is yes, then ask yourself whether you really need all those minutes and texts that come as part of your package. But you can buy a pay-as-you-go phone and only pay for the odd call as and when you need to.
- Make a shopping list Food shopping forms a significant part of our monthly outgoings and the supermarket is where the bulk of the money is spent. But be warned, stores spend a small fortune studying ways of making us part with more of our money than we would otherwise intend to. Have you ever wondered why your favourite song is playing in the background as you navigate the aisles? Have you even noticed the background music? Possibly not, but you will have noticed at the checkout that the bill is often more than expected. To circumvent this, simply make a shopping list. Dig out the cookery books, plan a few meals and only buy what you need. (I did this recently.. it do helps to control the purchase)
- When was the last time you went to the market? One way to beat the supermarkets - that is, to eat healthily for less - is to use your local market stall. Lower overheads should mean lower prices.
- Consider own-brand goods like from NTUC or non frill brand which is cheaper (yes defintely)
- Enough said. Don't buy designer labels Celebrities are given expensive clothes to wear. You're not. At the end of the day, and let's face it you may only wear the outfit once, can you justify paying hundreds of pounds over the odds because a top designer has had his or her name sewn on the label? And can you honestly say you can tell the difference at a distance between a $800 designer bag and one from the market?
- Sell your clutter on eBay/ forum etc Take this quick test: You're at home. Open a cupboard. Look inside. If it's full of clothes you haven't worn, or 'good ideas a the time' you haven't used, for, let's say, three years - you don't need them. So why not sell them to someone else who does? Ebay, the online auction house, has opened individual sellers to a world of buyers. And you can flog anything for the cost of a small commission. Tip: you may want to buy a few items first to build up your rating as a respectable eBayer before you start selling. Income: Will depend on what's in your cupboard Links: www.ebay.co.uk; 'I'm making money from eBay'
- Use your talent to earn extra cash Let's face it, if you're not a pop star by the time you reach your 20s you're never going to be. But you may be able to use your talent as a guitarist to teach other wannabes the rudiments of the 12-bar blues. Income: It's not unreasonable to charge
- Do DIY We're a nation of obsessive DIYers and for around $100 you can take a course at your local adult education college to improve the skills needed to tackle most household repairs. If the college runs plumbing courses you could soon be on track to wiping out costly call-out charges and extra insurance policies once and for all.
- Shop around for the cheapest household insurance Unless you drive – car insurance is mandatory - you don't need insurance. But it's strongly advisable. Can you afford to foot the bill if your house burns down? Probably not. Similarly, can you afford to pay over the odds for the same policy available elsewhere because you can't be bothered to shop around? Possibly, but it's not advisable. The internet has made finding cheaper insurance easy and you can compare hundreds of policies in minutes.
- Don't automatically renew annual travel insurance If your annual holiday insurance policy is about to expire and you don't have a holiday booked, DON'T renew the policy. You're handing your money over to cover an eventuality that won't happen. You wouldn't have car insurance if you didn't own a car. Simply restart the cover again the next time you book a trip.
- Choose cheaper breakdown insurance The breakdown sector is dominated by big names. But being towed home if your car breaks down is just another form of insurance like any other and there are scores of cheaper alternatives.
- Are you paying too much for your life insurance? We're living longer. As a result the cost of insuring the unthinkable is getting cheaper all the time. If you were sold a policy when you took out or mortgage you may have been under too much stress to shop around. You could be missing a trick. 18. Book early Low-cost airlines have created a market in holidays for people prepared to fly to any destination provided it's cheap. You can benefit from this too. Just remember, only a few seats on each flight are sold at bargain-basement prices and once they're sold, the prices rise. So book early.
- Book your own 'package' holiday online or go directly to the hotel or airline website The popularity of High Street travel agents is waning as more and more people warm to the benefits of researching and putting together their own holidays on the internet. If your holiday consists of flights, accommodation, transfers and possibly car hire, then take this test. Order a brochure from a leading holiday company and work out the price of your holiday including all the complicated supplements. Now go online and, starting with the flights, try to put the same package together. Links: This is flights, HotelClub.co.uk, Shuttle Direct, Holiday Autos Singapore link : Emerging view,
- Learn to say 'no' It's easy to capitulate to the demands of a screaming child in a packed Woolworths on a Saturday afternoon. 'no' a few times a year will do wonders for your bank account.
- Don't pay full price for theatre or theme park tickets If you are prepared to tolerate the unwieldy website and hit-and-miss customer service, lastminute.com regularly boasts some amazing deals for London's theatres and the nation's theme parks. At the time of writing you can see top West End show The Producers plus a two-course meal .
- Beat the ticket touts Ticket touts earn their living by getting hold of tickets that are 'otherwise unavailable'. Well, here's the news: they are available to everyone when they first go on sale. You just need to know when they go on sale. Simply sign up to for the free ticket alert newsletters from the main agents to ensure that you're first in the queue.
- Stop trying to keep up with the Joneses Trying to keep up appearances is little more than a costly illness. Remember, you cannot judge someone by what they have because you don't know how they got it. Chances are they're in more debt than you are.
- Trade down your car So, you bought an American sports utility vehicle (SUV) that nets 15 miles to the gallon on a whim. Obviously we're all very impressed – especially by the personalised number plate. But can you honestly justify the ongoing expense? If not, get rid of it. Then visit a car supermarket, where you can choose from thousands of cars at knock-down prices. If you're a true money saver, consider an ex-rental model which you can pick up for a fraction of the cost of a new one.
- Ask yourself: do I really need this? Imagine the scenario. It's lunchtime and you've got an hour to kill. You find yourself in a department store and there's a sale on. You pick up a beautifully packaged selection of barbecue tools and associated garden paraphernalia. And it's half price. Now, stop! Ask yourself: Do I really need this? Exactly. Now, put it down and walk away.
- Walk/cycle to the station/work It maybe a bit of hippie notion to many people but it's free.
- Get off the station before your usual stop and walk We may be creatures of habit but isn't it worth tinkering with the routine if it's costing more than $50 a month in unnecessary fares?
- Cut down drinking coffee/ tea at cafe - expensive cup of drink which you can make at home.
- Cut down your drinking A few beers after work a few nights a week is a financially debilitating state of affairs. Set limits and stick to them.
- Pack up smoking Never mind the health implications, the guilt and the smell, your 20-a-day habit is costing you. Pack it in.
- Cancel your gym membership If you pay your $60 a month by direct debit and you use the gym three times a week, great. If not, cancel your membership immediately. You'll soon save enough to buy your own bike and, if you're so inclined, a rowing machine. Consider running home from work three times a week. It's free.
- Use your library The local library is a mecca for the money saver. You'll never need to buy another cookbook, guidebook or lifestyle manual again and if you can bear to wait a few weeks in the queue for the latest blockbuster, you never need to buy books again. CDs and videos are great value too. Link: http://www.nl.gov.sg/
- The three-for-two trick Now, there's a lot to be said for buy-one-get-one-free deals, especially if they pass the 'Do I really need this?' test. Then there's three-for-twos; a particularly cynical way of stores to entice shoppers to buy an extra item they would not otherwise buy. The 'offer' is always priced into the deal so do your sums and shop around. Saving: It's a principle at stake here Link: Discuss deals and scams with other readers
- Buy clothes and presents in the sales So you need a new suit and the one you like comes in at a cool $300. Wait! The chances are that you can pick it up in the sale – and there's always a sale just around the corner – for $150. The same applies for birthday and Christmas presents. Buy in bulk in the sales and you not only save money, but you enjoy stress-free pre-Christmases and no last-minute birthday worries.
- The Christmas lottery Instead of trying to buy a present for every relative in your family, consider getting together beforehand and picking one name from the hat. You then buy one thoughtful gift for that one person rather than attempting to please everyone at considerable cost. Everyone gets a present, everyone saves money.
- The Toto/ 4D– it won't be you! The odds of winning the Lotto jackpot are stacked 14m to 1 against each ticket. Some highly organised syndicates buy 14,000 tickets a week, which reduces the odds to 1,000 to 1 - but that's no guarantee of a win. For the rest of us, the difference to the odds between buying, say, 10 tickets and one is so insignificant that you should limit yourself to the one and save the extra money in a Cash mini Isa. Link: Are you sitting on a winning ticket?
- Claim your benefits and tax credits There was once a certain stigma in Britain attached to claiming benefits. Well, not any more. The Government has put benefits at the heart of the family budget and it's your money so make sure you're claiming it. That includes Child Benefit, Working Tax Credit, Child Tax Credit and other employee-related tax benefits.
- How saving $50 a month now can save you $120 next year Do you pay your insurance premiums by monthly instalments? If you do, then consider this: you are probably being charged a premium of between 15% and 20% for the privilege. In other words, if your home and car insurance bill for the year is $600, you're paying up to $120 a year in interest by paying monthly. If you are in a position this year to save up for next year's premiums in advance, you can save money by paying the whole lot in one go.
- Do you need all those TV channels? Britain is switching to digital-only television and time is running out for you to choose your new digital TV provider. The choice is already bewildering and with telephone-based services now being launched it's going to get more complicated. Packages range from full the monty, including every sports and movie channel costing around $60 a month, down to Freeview, which is free. Choose wisely.
- Bin the ready meals If TV chefs such as Ainsley Harriott can knock up a meal from a bag of random groceries including an aubergine and a packet of sultanas – so can you. Ready meals may be convenient, but preparing your own food saves money. A visit to your library will reveal scores of books dedicated to cooking proper meals in minutes.
- Take up a money-saving hobby Hobbies not only open your mind to new experiences but they also take up your time – important if you would otherwise spend it in the pub drinking away your hard-earned money. If a painting takes 20 hours to complete, and you normally get through a pint an hour. That's a saving of a least 40 quid a picture. Think about it. Get painting. Go fishing.
- Avoid the payment protection racket Banks and other lenders are selling expensive insurance policies to cover loan repayments to people who don't need it. Don't be a victim of the hard-sell.
- Avoid extended warranties Electrical goods are more reliable than ever. If your new radio won't last three years perhaps it's not worth buying in the first place. Think about it: how many times has your fridge broken down in the last five years? And do you really need the hassle of claiming for repairs to a £15 toaster?
- Shop online The internet is gradually taking over. Online grocery shopping is getting better all the time and there are plenty of comparison websites to help find the best prices for bigger items. Give it a try, unless of course you like fighting your way through supermarket crowds.
Dieting / execise / stay healthy
I will try to find out some details and effective way to lose weight healthy. I have 10 kg to go :( Efforts must be taken .. It giving me some problem.. any one have information on snoring etc do email me. Thanks I know the following Best time to exercise - First thing in the morning Good food to help lose weight - Asparagus / Black fungus.. prevent taking the following food : Butter/ oily fried food/ candies/ chocolates etc drink 8 glass of water or more sleep early 2 molecule of water trap a molecule of fats.. haha
Next in row - what i will be posting
1) Hong Zhao - I manage to make it with my mum help... will post the receipe and pictures..
2) Plans to create more cash flow
3) Plans to elimate or reduce expenditure
4) Offer lobang- got quite a few good place and lobang... very tempted.. will share
5) Organisation skills
6) Feng Shui
7) babies - A plan for boy or girl ( information from a friend - would like to share0
8) Bring up children ( Live experience on my daughter .. like to share ) although I am not the perfect mum but with hubby expectation, help around some advice may be useful for parents...
advice only
............. endless topic ( a matter of having time for it )
2) Plans to create more cash flow
3) Plans to elimate or reduce expenditure
4) Offer lobang- got quite a few good place and lobang... very tempted.. will share
5) Organisation skills
6) Feng Shui
7) babies - A plan for boy or girl ( information from a friend - would like to share0
8) Bring up children ( Live experience on my daughter .. like to share ) although I am not the perfect mum but with hubby expectation, help around some advice may be useful for parents...
advice only
............. endless topic ( a matter of having time for it )
Woman today.. still struggling - Action 1
It has been sometime since I start posting on this blog.
Normally this blog is to share and keep information.
This will be my action plan for the following few months
I am reflecting on myself today..
For a woman who is in going to reach her mid 30s with no saving. A great family with a good hubby and daughter.. struggling to complete her bachelor partime for the year, serving loan having loans .. with so much payment to made. How should I come out of my hole.
I am really getting sick of all this. I for once going to come up of this. after visiting my friend house which is so wonderfully beautiful... i am going to live in such a place in 3- 5year time.
( I must have an aim in life)
Advice by someone - the easily way to have money is to save ... simple to understand hard to follow... but personal achievement should be met with perservance.
Plan... I need plans.. real plans for the whole year
Stick it thru ..
My first action 1
Ensure to have a fixed income monthly ( I have been thinking about my career path.... with a long notice period to serve, I have to tentatively hold this till later till my loan are fully paid)
Have a clear view of cashflow - I have created a simple monthly excel sheet that is personally created for my easy reference. If you need it i do not mind sharing... This is simple for me to view on monthly cashflow. This should include credit card payment, loan payment, mis expediture, cash in.. etc
Email me quek_cf@yahoo.com . my only request is to give me feedback or advice.
1) list out all my income/ saving - monthly
2) list out all my expediture - monthly
3) list out all my loan ( I have neg with the school on my school fees as I refused to get a study loan. Listing out my difficulties and request for a instalment plan payment for my more than 10k school fees)
4) List out insurance as expediture as I have to pay it ...
5) List credit card (main expediture0
Cut credit card bills - make sure pay full payment on credit card ARE MADE as these are compounded interest. If not THE FOLLOWING action should be taken :
Singapore - Do a fund transfer (saw one of the good one with the follow bank ) do email me if you have seen some good offer on fund transfer rate
Current good transfer with UOB - $500-5000 (2.5% processing fees with 6 months no interest, EIR 5.34 % pa)
list this as a loan on payment.
After having a clear view on the cashflow... plan the following
Start ensure have a small saving - SGD1000
I should have expected the unexpected -
1)Take note of credit card payment date
2) always expect the unexpected- which i simple overlook my exam fees
Safer to put aside sgd 1000 min for a month ( this is my target plan to save first for after paying all my loan )
Pay all the loan . once done...
take action 2 which will be posted up later.............
My aim is to save 20% of 700 K ....= SGD 70 000 .. so big amount :(
Normally this blog is to share and keep information.
This will be my action plan for the following few months
I am reflecting on myself today..
For a woman who is in going to reach her mid 30s with no saving. A great family with a good hubby and daughter.. struggling to complete her bachelor partime for the year, serving loan having loans .. with so much payment to made. How should I come out of my hole.
I am really getting sick of all this. I for once going to come up of this. after visiting my friend house which is so wonderfully beautiful... i am going to live in such a place in 3- 5year time.
( I must have an aim in life)
Advice by someone - the easily way to have money is to save ... simple to understand hard to follow... but personal achievement should be met with perservance.
Plan... I need plans.. real plans for the whole year
Stick it thru ..
My first action 1
Ensure to have a fixed income monthly ( I have been thinking about my career path.... with a long notice period to serve, I have to tentatively hold this till later till my loan are fully paid)
Have a clear view of cashflow - I have created a simple monthly excel sheet that is personally created for my easy reference. If you need it i do not mind sharing... This is simple for me to view on monthly cashflow. This should include credit card payment, loan payment, mis expediture, cash in.. etc
Email me quek_cf@yahoo.com . my only request is to give me feedback or advice.
1) list out all my income/ saving - monthly
2) list out all my expediture - monthly
3) list out all my loan ( I have neg with the school on my school fees as I refused to get a study loan. Listing out my difficulties and request for a instalment plan payment for my more than 10k school fees)
4) List out insurance as expediture as I have to pay it ...
5) List credit card (main expediture0
Cut credit card bills - make sure pay full payment on credit card ARE MADE as these are compounded interest. If not THE FOLLOWING action should be taken :
Singapore - Do a fund transfer (saw one of the good one with the follow bank ) do email me if you have seen some good offer on fund transfer rate
Current good transfer with UOB - $500-5000 (2.5% processing fees with 6 months no interest, EIR 5.34 % pa)
list this as a loan on payment.
After having a clear view on the cashflow... plan the following
Start ensure have a small saving - SGD1000
I should have expected the unexpected -
1)Take note of credit card payment date
2) always expect the unexpected- which i simple overlook my exam fees
Safer to put aside sgd 1000 min for a month ( this is my target plan to save first for after paying all my loan )
Pay all the loan . once done...
take action 2 which will be posted up later.............
My aim is to save 20% of 700 K ....= SGD 70 000 .. so big amount :(
Books to read
1. The Courage to be Brilliant: How Five Acts of Improvement a Day Will Make You Shine …
by Marta Monahan and Jeff Anrdrus
Improvement …
2. How to Win Friends and Influence People …
by Dale Carnegie
3. Outliers – The Story of Success” – one of the greatest books on self-improvement ever!
http://www.amazon.com/Outliers-Story-Success-Malcolm-Gladwell/dp/0316017922
Another great book I am reading at the moment is “Eight Weeks to Optimum Health” by Andrew Weil. Great stuff! A real eye-opener on being healthy.
Other great books I’d recommend:
-Made to Stick
-Tipping Point
-E-Myth Revised
-Mastering the Rockefeller Habits
-What Would Google Do?
- Extra Half an Inch (by Victoria Beckham)
-Little Black Book of Style (by that stylist from the Runway show… don’t remember her name, but her tips are fantastic!)
4. Memo: The Easiest Way to Improve Your Memory …
by Oddbyorn By
5. How Would Love Respond? : Imagine If You Were Given a Gift So Powerful That You Knew You Had To Share It with the World …
by Kurek Ashley
6. On Writing Well: The Classic Guide to Writing Non-fiction …
by William Zinsser
7. Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time …
by Brian Tracy
9. Dig Your Well Before You’re Thirsty: The Only Networking Book You’ll Ever Need …
by Harvey Mackay
10. Who Moved My Cheese? : An Amazing Way to Deal with Change in Your Work and in Your Life …
by Spencer Johnson
by Marta Monahan and Jeff Anrdrus
Improvement …
2. How to Win Friends and Influence People …
by Dale Carnegie
3. Outliers – The Story of Success” – one of the greatest books on self-improvement ever!
http://www.amazon.com/Outliers-Story-Success-Malcolm-Gladwell/dp/0316017922
Another great book I am reading at the moment is “Eight Weeks to Optimum Health” by Andrew Weil. Great stuff! A real eye-opener on being healthy.
Other great books I’d recommend:
-Made to Stick
-Tipping Point
-E-Myth Revised
-Mastering the Rockefeller Habits
-What Would Google Do?
- Extra Half an Inch (by Victoria Beckham)
-Little Black Book of Style (by that stylist from the Runway show… don’t remember her name, but her tips are fantastic!)
4. Memo: The Easiest Way to Improve Your Memory …
by Oddbyorn By
5. How Would Love Respond? : Imagine If You Were Given a Gift So Powerful That You Knew You Had To Share It with the World …
by Kurek Ashley
6. On Writing Well: The Classic Guide to Writing Non-fiction …
by William Zinsser
7. Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time …
by Brian Tracy
9. Dig Your Well Before You’re Thirsty: The Only Networking Book You’ll Ever Need …
by Harvey Mackay
10. Who Moved My Cheese? : An Amazing Way to Deal with Change in Your Work and in Your Life …
by Spencer Johnson
Buffet That i like to try
buffet restaurants in Singapore
Basilico – Italian Buffet
Cuscaden Road
Level 2 The Regent Singapore
Tel: +65 6725 3232 +65 6725 3232
// Weekday Buffet Lunch $38++
Saturday Buffet Lunch $40++
Sunday Buffet Brunch 55++ (Non-Alochol)
Daily Dinner $62++ (Semi buffet: starter & desserts buffet counter + choice of 1 main)
Cafe L’Espresso – English High Tea Buffet
22 Scotts Road
GF Goodwood Park Hotel
Tel: +65 6730 1743 +65 6730 1743
// Mon – Thu English High Tea Buffet $34+++
Fri – Sun English High Tea Buffet $36++
Cherry Garden – Champagne Dim Sum Brunch Buffet
5 Raffles Avenue
5F Mandarin Oriental
Tel: +65 6885 3538 +65 6885 3538
// Weekend Dim Sum Brunch
Sat – Sun 10am to 3pm
$48++ without Champagne
$118++ with free flow Champagne
Greenhouse – Asian Seafood Buffet
7 Raffles Avenue
3/F Ritz-Carlton Millenia
Tel: +65 6434 5288 +65 6434 5288
// Weekday Lunch Buffet Mon – Sat $48++
Sunday Brunch Buffet $148++ (Champagne)
Sun – Thu Dinner Buffet $58++
Tue Dinner Buffet $68++ (Oysters special)
Fri - Sat Dinner Buffet $76++
Hanabi Japanese Restaurant – Japanese Buffet
331 North Bridge Road
#01-04 Odeon Towers
Tel: +65 6338 6626 +65 6338 6626
// Japanese ala carte buffet
Weekday Japanese ala carte Buffet $29++
Weekend Japanese ala carte Buffet $33++
IKOI Japanese Restaurant – Japanese Buffet
401 Havelock Road #01-01
Hotel Miramar Singapore
Tel: +65 6887 3788 +65 6887 3788
// Japanese ala carte buffet
Weekday Japanese ala carte Buffet $33++
Weekend Japanese ala carte Buffet $33++
* Reservations highly recommended
Jing Restaurant – Weekend Brunch Buffet
One Fullerton, #01-02/03
1 Fullerton Road
Singapore 049213
Tel: 6224 0088 6224 0088
// Weekend Brunch Buffet $38++
Melt The World Cafe – International Buffet
5 Raffles Avenue
4F The Oriental Singapore
Tel: +65 6885 3082 +65 6885 3082
// Weekdays Lunch Buffet (Mon – Sat) $56++
Sunday Brunch Buffet $88++ (Non-alohol)
Sun – Wed Dinner Buffet $68++
Thu – Sat Dinner Buffet $78++
One Ninety Restaurant – European Buffet
190 Orchard Boulevard
GF Four Seasons Hotel
Tel: +65 6734 1110 +65 6734 1110
// Mon – Fri European Buffet Lunch $48++
Saturday Asian High Tea $45++
Sunday International Brunch Buffet $138++
Weekday Dessert Buffet $12++
Sabroso Tapas Wine Bar – Tapas Buffet Dinner
26A Lorong Mambong
Holland Village, Singapore
Tel: +65 6766 0053 +65 6766 0053
// Sun – Thu Spanish Tapas Buffet Dinner $32++
Senki Japanese Buffet Restaurant
109 Killiney Road
Tel: +65 6734 5565 +65 6734 5565
// Japanese ala carte buffet
Weekday Japanese ala carte Buffet $30++
Weekend Japanese ala carte Buffet $33++
The Line Shangri La – International Buffet
22 Orange Grove Road
Basement Shangri-la Hotel
Tel: +65 6213 4275 +65 6213 4275
// Weekday International Buffet Lunch $47++
Sat International Buffet Lunch $50++
Sun Brunch $78++ (non alochol)
Fri – Mon International Buffet Dinner $68++
Tue Buffet Dinner Oyster Night special $88++
Wed Buffet Dinner BBQ Night Special $78++
Thu Buffet DInner Seafood Night Special $88++
Town Restaurant – International Buffet
1 Fullerton Square
GF Fullerton Hotel
Tel: +65 6877 8128 +65 6877 8128
// Mon – Fri International Lunch Buffet $48
Sat Local High Tea $32++
Sun Champagne Brunch Buffet $148++
Sun – Wed International Dinner Buffet $48
Thu – Sat Seafood Dinner Buffet $58++
Tea Lounge Regent Singapore
1 Cuscaden Road GF
The Regent Singapore
Tel: +65 6725 3246 +65 6725 3246
// Weekday English Afternoon Tea
Afternoon Tea Set ($38++):
Mon to Fri 12.30pm – 5pm
// Weekend High Tea Buffet ($45++):
Sat & Sun 1.30pm – 5.30pm
Yan Ting Restaurant – Weekend Dim Sum Brunch Buffet
29 Tanglin Road
The St Regis
// Weekend dim sum brunch $88++
Weekday 11.45am – 2.30pm
Weekend 11 am – 3.30pm
Tel: 6506 6888 6506 6888
Read post here, here, here, and here
* * *
Basilico – Italian Buffet
Cuscaden Road
Level 2 The Regent Singapore
Tel: +65 6725 3232 +65 6725 3232
// Weekday Buffet Lunch $38++
Saturday Buffet Lunch $40++
Sunday Buffet Brunch 55++ (Non-Alochol)
Daily Dinner $62++ (Semi buffet: starter & desserts buffet counter + choice of 1 main)
Cafe L’Espresso – English High Tea Buffet
22 Scotts Road
GF Goodwood Park Hotel
Tel: +65 6730 1743 +65 6730 1743
// Mon – Thu English High Tea Buffet $34+++
Fri – Sun English High Tea Buffet $36++
Cherry Garden – Champagne Dim Sum Brunch Buffet
5 Raffles Avenue
5F Mandarin Oriental
Tel: +65 6885 3538 +65 6885 3538
// Weekend Dim Sum Brunch
Sat – Sun 10am to 3pm
$48++ without Champagne
$118++ with free flow Champagne
Greenhouse – Asian Seafood Buffet
7 Raffles Avenue
3/F Ritz-Carlton Millenia
Tel: +65 6434 5288 +65 6434 5288
// Weekday Lunch Buffet Mon – Sat $48++
Sunday Brunch Buffet $148++ (Champagne)
Sun – Thu Dinner Buffet $58++
Tue Dinner Buffet $68++ (Oysters special)
Fri - Sat Dinner Buffet $76++
Hanabi Japanese Restaurant – Japanese Buffet
331 North Bridge Road
#01-04 Odeon Towers
Tel: +65 6338 6626 +65 6338 6626
// Japanese ala carte buffet
Weekday Japanese ala carte Buffet $29++
Weekend Japanese ala carte Buffet $33++
IKOI Japanese Restaurant – Japanese Buffet
401 Havelock Road #01-01
Hotel Miramar Singapore
Tel: +65 6887 3788 +65 6887 3788
// Japanese ala carte buffet
Weekday Japanese ala carte Buffet $33++
Weekend Japanese ala carte Buffet $33++
* Reservations highly recommended
Jing Restaurant – Weekend Brunch Buffet
One Fullerton, #01-02/03
1 Fullerton Road
Singapore 049213
Tel: 6224 0088 6224 0088
// Weekend Brunch Buffet $38++
Melt The World Cafe – International Buffet
5 Raffles Avenue
4F The Oriental Singapore
Tel: +65 6885 3082 +65 6885 3082
// Weekdays Lunch Buffet (Mon – Sat) $56++
Sunday Brunch Buffet $88++ (Non-alohol)
Sun – Wed Dinner Buffet $68++
Thu – Sat Dinner Buffet $78++
One Ninety Restaurant – European Buffet
190 Orchard Boulevard
GF Four Seasons Hotel
Tel: +65 6734 1110 +65 6734 1110
// Mon – Fri European Buffet Lunch $48++
Saturday Asian High Tea $45++
Sunday International Brunch Buffet $138++
Weekday Dessert Buffet $12++
Sabroso Tapas Wine Bar – Tapas Buffet Dinner
26A Lorong Mambong
Holland Village, Singapore
Tel: +65 6766 0053 +65 6766 0053
// Sun – Thu Spanish Tapas Buffet Dinner $32++
Senki Japanese Buffet Restaurant
109 Killiney Road
Tel: +65 6734 5565 +65 6734 5565
// Japanese ala carte buffet
Weekday Japanese ala carte Buffet $30++
Weekend Japanese ala carte Buffet $33++
The Line Shangri La – International Buffet
22 Orange Grove Road
Basement Shangri-la Hotel
Tel: +65 6213 4275 +65 6213 4275
// Weekday International Buffet Lunch $47++
Sat International Buffet Lunch $50++
Sun Brunch $78++ (non alochol)
Fri – Mon International Buffet Dinner $68++
Tue Buffet Dinner Oyster Night special $88++
Wed Buffet Dinner BBQ Night Special $78++
Thu Buffet DInner Seafood Night Special $88++
Town Restaurant – International Buffet
1 Fullerton Square
GF Fullerton Hotel
Tel: +65 6877 8128 +65 6877 8128
// Mon – Fri International Lunch Buffet $48
Sat Local High Tea $32++
Sun Champagne Brunch Buffet $148++
Sun – Wed International Dinner Buffet $48
Thu – Sat Seafood Dinner Buffet $58++
Tea Lounge Regent Singapore
1 Cuscaden Road GF
The Regent Singapore
Tel: +65 6725 3246 +65 6725 3246
// Weekday English Afternoon Tea
Afternoon Tea Set ($38++):
Mon to Fri 12.30pm – 5pm
// Weekend High Tea Buffet ($45++):
Sat & Sun 1.30pm – 5.30pm
Yan Ting Restaurant – Weekend Dim Sum Brunch Buffet
29 Tanglin Road
The St Regis
// Weekend dim sum brunch $88++
Weekday 11.45am – 2.30pm
Weekend 11 am – 3.30pm
Tel: 6506 6888 6506 6888
Read post here, here, here, and here
* * *
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