Goals to Financial freedom

My current most important goal that I have now is to be financially independent. I have been dragging on this too long. Arm with no savings.. this is not the route that I would like to head.

Currently I am reading the book from the library
Smart Women finish rich by David Bach. This look really interesting with a program to show how I should start my plan. I have no idea how to go about doing it..

Summarising while reading the book..
under Learn the facts and Myths there is a quote that catches my eyes

A wise woman once said ," It's not what you know that can hurt you but rather what you don's know,"

Dont fall for the common myths about money

Myth no 1- Make more money and you will be rich
this seen logical but what wrong with this myth?

The key to wealth is not finding some quick and easy way to boost your income - its simply the fact what determine your wealth is not how much you make but how much you keep of what you make.

The problem is not in our income, it's what we spend!
The typical 50 year old has less than $10,000 in savings!

Recommend book ; The millionair Next Door written by Tom Stanley,
He interviewed hundreds of millionaires and came up with some findings that suprise.

Here are one Stanley finding that catches my eye

• Millionaires are dedicated investors on average investing nearly 20 percent of their total household income each year




• fully half of the millionaires surveyed never paid more than $399 for a suit




• majority drove older cars




• -------------------

spend more money than you make then you have more problem

Pay off all the credit card debts

Pay all off the loans

My thinking: Change your spending habit - if you cannot control using the credit card. It is better to do without the card.

One of the most fundamental principles of smart money management is self reliance

Dont ever put your entire financial fate in someone else's hands

Myth no 2: My husband will take care of me - cinderella myth

Creating my goal

• Enjoyment


• achievement


• Spending value time with family


• happiness


• Freedom


• security - what is the basic goal that i want to achieve

Find your stuffs - mean all your documents etc

Create the file system below

1. Tax return


2. Insurance


3. Retirement


4. Insurance


5. Children


6. saving accounts


7. Household


8. credit card debt / loan


9. Asset


10. Other liabilities


11. family will and trust


12. Inventory planner

Write your own cheque - you can start with SGD100,000

How to set up a tution centre in singapore

http://www.business.gov.sg/EN/Industries/PrivateEducation/LawsNRegulations/ProvidingChildNStudentCareServices/privateEdu_laws_childStudentCare.htm


You will need to register your business with

i. ACRA (Accounting and Corporate Regulatory Authority, http://www.acra.gov.sg/ ).
ii. MOE's Council for Private Education (http://www.cpe.gov.sg , click on the link "To apply for registration with the Council for Private Education through OBLS" )

You will also need to check and see if your premises has been are approved for educational activities with the URA (http://www.ura.gov.sg/eservices/eservice… )

more detailed information on setting up tuition centres (considered as Academic Private Schools) here: http://www.business.gov.sg/EN/Industries…
Source(s):
http://www.moe.edu.sg/education/private-…
1 year ago Report Abuse

BASC -Student care in Punggol / Seng Kang / Hougang

latest updates on student care: For the last two school holidays on year 2011, I have been placing my little one in Little Professor opposite Hougang Mall. Overall , we are pleased with the school. The kids have the opportunity to have indoor and outdoor activities during the holiday. regardless of the journey for us to travel daily for at least half and hour... I will still consider placing my daughter there.. if there are no changes to their management , teaching style..  moving her out due to placing her in a nearer and full time student care.

Recently I have made some major changes of placing our girl on full time student care, we have place her in AROL at SK. I have to travel daily waking her up early in the morning. It's well worth the effort as I do believe that kids need to be discipline all the time and a good environment with positive influence can cultivate good kids with positive discipline.
We are monitoring on her changes.. She has been there for few months.. Need any comments at the moment do email me quek_cf@yahoo.com . 15-7-12

Now I am searching for the next suitable student care to put my little girl in.
This time, I need to source for a near by one preference in Punggol or sk..
Attached are some information



Student Care Centre Address Ratings
Coney Island Childcare Development Centre 18 Punggol Twenty-Fourth Avenue Singapore 829489
Focus Tutorial Centre 198 Punggol Field Road #02-02 Singapore 820198




Little Professor Education Group Pte. Ltd (NEAREST IN HOUGANG).Tel: 67944711 / 82988871
Email: enquiry@littleprofessors.com.sg
Website: www.littleprofessors.com.sg

ACRA Registration No:200717819D
Blk 711 Jurong West Street 71 #B1-11Singapore 640711See other branches...
Little Professors Education Group stands at the forefront of providing education programmes in Singapore. With rapid expansion plans, Little Professors aims to positively influence the lives of as many children as possible through its Student Care, Enrichment and Tuition programmes. The centre's success is due largely to the efforts of the responsible and caring staff, which focuses on the needs of the pupils. There is a strong culture of continuous learning and sharing among the staff and students of Little Professors Education Group.
Subjects Offered
Primary Level: English, Creative English, Chinese, Mathematics, Science
Secondary Level: English, E/A Mathematics, General Science, Pure / Combined Chemistry & Physics
JC level: Economics, Physics, Chemistry, General Paper, Mathematics

About The Company
Little Professors Education Group Pte. Ltd. was formerly known as Xue Hai Tutorial Centre Pte. Ltd. The company's tagline is "Get SET for Life", which captures the three core business: Student Care, Enrichment and Tuition. Our management team consists of top university Professors with PhD qualifications and ex-school teachers. We cater to students from primary to junior college levels with tutors specializing in all core subjects and languages following the Ministry of Education's latest syllabus. All our in-house Curriculum Specialist teachers are screened and registered with the Ministry of Education (MOE).

Our Management Team
Associate Professor (Dr) Low Boon Yong, our group director, graduated with MBBS from University of Singapore in 1976. He was admitted to the Royal College of Surgeons (Edinburgh) and Royal College of Surgeons (Glasgow) in 1981. He is presently the Senior Consultant in Orthopedic Surgery at Changi General Hospital.
Dr Low served as Associate Dean of the Faculty of Medicine, National University of Singapore from 1998 to 2005. He was a member of the interviewing panel for admission to the Faculty of Medicine, NUS in 2002 and 2003. He was appointed Clinical Associate Professor, NUS in 2000.
Dr Low has been actively involved in the Spastic Children Association of Singapore since 1987. At present, he is serving as Chairman of the Association. Dr Low is also a Board Member of the Children's Charities Association. For his involvement in social work, he was awarded the Public Service Medal in 2002.

Key Differentiating Factors
Our highly formulated success is built on: Quality programmes that are specially designed by our in-house curriculum specialists. We have been featured on newspapers and interviewed on our views and opinions by the media.
We have a team of dedicated teachers to cater to the unique needs of these young minds. The learning process will be enhanced through sophisticated teaching aids and well-designed curriculum which are tailored specially for them.
Unique method of learning

Locations of other branches
Name of Branch
Telephone No.
Address
Little Professors @ Bedok
61005830 (Office) / 91705830
Blk 509, Bedok North Street 3, #01-85 S(460509)
Little Professors @ Bukit Batok
65693400 (Office) / 84281272
Blk 158 Bukit Batok Street 11 #03-216 S(650158)
Little Professors @ Clementi
67772780 (Office) /84281272
Blk 443 Clementi Avenue 3 #01-262 S(120443)
Little Professors @ Chua Chu Kang
67606328 (Office) /92307984
Blk 286 Choa Chu Kang Ave 3 #B1-318 S(680284)
Little Professors @ Fajar
67663818 (Office) /97214369)
Blk 442 Fajar Road #01-482 S(670442)
Little Professors @ Hougang
63876875 (Office) / 83997658
Blk 426 Hougang Avenue 6 #B1-46 S(530426)
Little Professors @ Jurong West St 51
65606984 (Office) / 83994243
Blk 504, Jurong West St 51 #04-215 Singapore S(640504)
Little Professors @ Jurong East
65692129 (Office)
Blk 345, Jurong West St 31 #01-13 Singapore S(600345)
Little Professors @ Kovan / Paya Lebar
63832533 (Office)
Blk 123, Hougang Ave 1, #01-1428 Singapore S(530123)
Little Professors @ Marine Parade
63468061 (Office) / 96133880
1 Marine Parade Central #07-06 Parkway Centre S(449408)
Little Professors @ Pasir Ris
65828250 (Office) / 97548970
Blk 482 Pasir Ris Drive 4 #B1-395 S(510482)
Little Professors @ Pioneer
67942803
Blk 711 Jurong West Street 71 #B1-11 S(640711)
Little Professors @ Tampines
67821866 (Office) / 94578600)
Blk 433 Tampines Street 43 #01-67 S(520433)
Little Professors @ Toa Payoh
63583373 (Office) / 83836777
Blk 206 Toa Payoh North #01-1213 S(310206)
Little Professors @ Woodlands
63647922 / 63647933
Blk 351 Woodlands Ave 1 #01-719 S(730351)

____________________________________________________________________
Dear All, kindly take note that all the information in my blog is for reference only. I am not associate with any of them . I just need some information and think it will be good to compile it up.

I am looking for student care for my little one in Primary one this year. Too bad Mee Toh do not have a inhouse student care like horizon and edgefield primary school.

Below are the compilation of the student care service available .. some recommend by my friends and collegue.

Pro teach have one big branch in Hougang which is greatly recommend... ai yah quite far .. will check it out thou. Must take bus 82 in the morning and my girl will have to sit school bus to school

Punggol/ SK / Hougang
1) ProTeach * (punggol Horizon - not open to us :( , trying out hougang branch or pasir ris which is further )
http://pro-teach.com/contact_locatebranch.asp

2) Pearl student care * (behind punggol plaza)

« Reply #3 on: September 29, 2009, 03:33:05 PM »
Quote
Found the contact no. for Pearl Student Care and Dexus Student Care.Post it here for other parents who need it.
Pearl Student Care (Blk162) 63438737 ( had some comments about this place better check out first)

3) River of Life *
4) Dexus Student Care (Blk172) 63857287

(comments from a forum: Dexus in Punggol. It's located in an RC and very near to Greendale Primary School. The feeling I've about the place...it seems rather cold. In a sense, you hardly hear any kids voice..seems more like a tuition centre.
Plus, the kids don't bathe there as there are no facility.)
'Dexus'. located besides St Anne's church/ MMI

5) Bright kids - wow expensive kids'
6) kingdom at Central Christian Church do offer study care......
7) Kidz Meadow @ Buangkok Crescent and
8) Joy Connecton Studentcare centre?
9)Little Professor @ 123 Hougang Ave 1
#01-1428 +65 63832533 or +65 9839 8590.
10)Polaris Junior at Anchorvale area (behind Nan Chiau pri sch)
11) Morning Star opposite Sengkang CC.




Found some other sites for other location

www.littleprofessors.com.sg they have 3 branches at jurong, clementi and choa chu kang..managed by NUS professors..

Galistan Avenue. Opp Sheng Siong around Bukit Panjang. Can call to find out more. Galistan Family Centre.

Blk 715 jurong west st 71.. they also offer student care services.. i think little professors only charge $188 per month...and that's why tuition is xcluded... they outsource their tuition program to another tuition centre to do it... which is more specialised i think...

Check out this student care at CCK!
www.gifted-learners.blogspot.com


Timmy's Discovery Club (Student Care)
Impact Education Centre (Tuition)
Address: Blk 437, Hougang Ave 8, B1-1521 Singapore 530437
Tel: 63875815


To find out what are the studen care centres around, try this link
http://app.mcys.gov.sg/web/serv_dss_disability_main.asp?Services_Id=3&szMod=serv&szSubMod=student

Good defination of BASC

BASC stands for Before After School Care.
These kinda centres provide care service
for mostly primary school students without
a reliable caregiver at home. The students
can come in before they start PM session,
when their parents drop them off at the
centres in the morning (on the way to work).
Or the children will be fetched by the BASC
teachers ( or walk to BASC if its very near
the school - for older children ) after AM
session to the centres from the primary
school upon dismissal.

BASC not only provides the care... or a place
where your child is looked after in the absence
of the parent, such centres also coach/assist
with child's schoolwork and on top of that (some
centres) may also offer tuition at reasonable rates.
A few centres offer optional enrichment pgrms as
well like IT, Creative Maths, Reading Programme,
Speech and Drama (etc) to parents as well.

Centres near our local pools and stadium facilities
sometimes offer that children pick up a sport like
badminton, swimming, (etc) which is again optional
and such extra curricular activities are allowed to be
done like once a week after completion of the tuition
hours + homework, to promote exercise other than
just school work - at a small fee with a qualified coach.

A good BASC will give parents the ease that the
child not only has lunch and tea break provided,
the school work also covered. Whatever rest provided
is really extra. Parents have other pairs of eyes helping
them watch over their kids in the absence of the care of
full-time working parent (especially when there is a neccesity
for the parents to stay employed). Parents can set their mind
at ease that they can spend better quality time with their child
at home, since the major care and school work has been
assisted by the BASC.

If parents have say 2 children, 1 in pre-school and 1 primary
school... there are also childcare centres that offer BASC as
well. They have separate classrooms for the BASC students
who will be cared for by BASC teachers ie. qualified staff to
teach/manage primary level subjects (ala tutors) and the didi
or mei-mei will be with the childcare teachers in the main class
rooms of the childcare centres.

Different centres provide different care services.
And different centres go by different rules or
protocols and fees. Good to check with each
prior to registration. What is shared here is a
general comment of the BASC service and not
representing any centre in particular, k.

Hope the info helps.

free indoor or outground playground at shopping malls/ restaurant

besides vivo, forum, paragon, city square mall, where else can i find children playground at shopping malls?

IMM

Sembawang Shopping Mall


North point

Lot 1 (roof garden) - CCK


Marina Square in front of Kiddy Palace.

Quite popular place with families with small children, although the play structure and area is quite small. But plenty of eating places around and shopping centre is relatively safe.

Sky Garden on Level 6 of NEX @ Serangoon has a nice wet and dry playground for kids.

City square mall has a mini playground at ground flr. but really small


BPP - mini playground.


'operating hours' for the water at the wet playground? cos the one at sembawang has 2 periods of water play only.


i saw the signboard. if dont rem wrongly, its 11am to ard 9pm.
quite sure abt the 11am. the ending time not 100% sure.

the wet playgrd is rathe big.

At the changi airport basement 2, if remember correctly, I saw kids using papers and crayons to trace the designs on the blocks. The papers and crayons are provided and the kids all gathered there and busy tracing ... The blocks with designs on it are fixed on the table, just put the paper on top of it and use the crayons to roll over the paper, and tracing the designs onto the paper....

Somerset 313
1) Marche - my daughter favourite play ground

2) highest floor beside food court

June holiday camps or student care 2011 for kids

As this is a first time for us to have such a lengthy June holidays in Singapore. I am frantically looking for program to cover my little one time during her primary school break. I am working and yet have to ensure she will not laz around at home.

School Holidays in Singapore for the Year 2011
for primary and secondary school students
March School Holiday: 12th March to 20th March
June School Holiday: 28th May to 26th June
September School Holiday: 3rd September to 11th September
December School Holiday: 19th November to 31st December

You can find out about more school terms and holidays in Singapore at http://www.moe.gov.sg/schools/terms-and-holidays


Came across some interesting information to share out.

Got this from forum
June School Holidays 2011
Some Suggestions...

I am considering to place her in full day student care with June holiday activities
Manage to check out 2 school which accept my girl for this holidays

1) Linda student care - kovan THey have very interesting program like yoga and baking...
Cost is SGD 480
If you Saw this picture in the web that is the school link


http://www.linda-edu-hse.com.sg/index.php/news/student-care-services-amk-and-kovan/
We are offering before and after school care for our Ang Mo Kio and Kovan Branches. Holiday Full-day Care also available, starting 22nd November!

Services that are included in our student care programme:

- Daily homework coaching

- Tuition for all subjects

- Enrichment classes (e.g. creative writing, problem solving)

- Fitness activities (e.g. Yoga for Kidz)

- Life skills and recreational activities (e.g. Art & Craft, baking classes, music lessons)

- Excursions and outings

- Meals and snacks

- Shower facilities

- Nap time

To enquire, please call:

Ms Wendy Chan (83221251 / 64551989) — Ang Mo Kio

Ms Linda Chan (62850733) — Kovan




2) Pro-teach the famous student care in Singapore - Pasir Ris and Hougang branch.
Cost is SGD 360 + 40 material fees+ 40 reg fees. Total SGD440

They seen to have very good teachers and schedule for tution etc.
I am planning to visit these centres and choose according.

I have post my finding here when the time is near :)


Other option like

3) Skate With Us Superheroes Skate Camp
Details: http://skate-with-us.com/swuholidaycamp.html

Children like skating (i don't know why...but it seems like a very popular and practical sport to pick up like swimming) ...Found this camp after reading the article on Motherhood Mag and also the positive feedback by other parents on forum...

Basically, this is a skate camp with a different theme each time. For june, it is a Superheroes theme skate camp for kids and the school specialised in teaching children...

My feedback:
Somehow my children love this a lot, maybe because it really feels like a camp for them. For me, I like the fact that the class size and instructor ratio is good. It like they will make it a point to put 2 staff to attend to 1 group of 6 kids and they always have female and male instructor.
At the camp, the children will learn skating and they will play games, wear costumes related to special themes and pretend-play they are Superheroes

I am also thinking about letting the children attend the Superheroes Skate Camp in June. the camp is for beginners and skaters as the school groups the children according to their skills...

2) Kindergolf Camp
Details: http://www.kindergolf.com/seasia/programs/golf-camp
Golf Camp by kindergolf for children...where they can pick up golf basics in just 1 camp...

My feedback:
This is the most recent one that my children went for. there has been some mixed reviews on Kindergolf it seems but my own experience has been good.

We went for the express camp where it's indoors. I guess we should have gone for the 5 days one. the kids like it, was excited but it was a little short and it is all indoor. But overall the experience has been quite good. they now know more golf terms and were chatting with their daddy on golf haha...DH love golf, my sport is shopping hahaha

3) Bakerzin Kids Baking Workshop
I can't find the exact page on the website any more...so sorry

My feedback: This is a good bonding opportunity for u and your children, if u like baking... i am biased lah cos i like baking myself, so i signed up the children for this. it is good and the kids get to eat their own work...

Some other camps that i am eyeing on this June is the art boot camp, got to do more research first...will share more soon...

do share your findings...i am not shareholders of the above companies and please do your own research and ask other parents for their feedbak..





TRY THIS Discovery Vacation Camp http://www.discovery-camp.com/
Go to another discussion thread under Discovery Vacation
There is a lot of good review from parents that have send their kids.
They have 3 place
-Henry Park Pri School , Ai Tong & Tao Nan. They even have bus from Kovan if you pay a little extra.


Tien Hsia camps
http://tienhsia.com/promo/promomain.html

Gulia Gabriel
http://www.juliagabriel.com/images/downloads/holidayprogramme/Holiday%20Programmes%20June%202011%20FINAL%203.pdf

http://www.trainingkids.com.sg/

Earnest Wong's SmartKids camp

Adam Khoo's camp

Mindchamp

I also heard a camp doing overnight stay at Underwater World. Any feedback?


Cooking class
1)arts academy
2)SoEzy. There's a smaller outlet at united square, next to the food court
3)Great World, near the Food Court. I think At Sunrise has classes for kids too


British Council - Tampines
COURSE DESCRIPTION
Creative English - Week 2: 101 Dalmatians
English holiday courses > Primary

Course fees S$500 (inclusive of 7% GST)
Levels Primary 1 and 2
Course venue Marsiling, Tampines, Napier Road
Courses start Jun 2009





This course is for students in Primary 1 and 2. Students are grouped according to school level in 2009. We aim to help students to become fluent, imaginative and accurate users of English and the courses are built around carefully chosen themes designed to motivate learners.

By the end of the end of the course your child will be able to:

express their ideas and opinions with greater confidence listen to improve comprehension and note-taking skillsread for gist and specific information to develop comprehension skillscomplete cloze passages – content and grammaticalwrite sentences and paragraphs with accurate spelling and punctuationanalyse written work for accurate grammar form questions and sequence language accuratelyuse categories to build vocabularywrite a description of a personwrite an informal letteruse vocabulary for describing people and feelingsuse vocabulary for describing settings and eventsuse present tenses for descriptive writinguse past tenses for letter writing

TAMPINES CENTRE SCHEDULE

8 Jun to 12 Jun

Monday to Friday

9am to 1pm

20hrs (1X per week)

S$500

For P1 and P2

CONTACT DETAILS
2 Tampines Central 6
NTUC Income
#03-01/02 Tampines Point
Singapore 529483

Telephone +65 6783 9209
Fax +65 6783 4509



bÜds

replyGive KiasuPoints.buds Thu, 30/04/2009 - 9:32pm
This is an innovative Holiday Programme. ;)




Little Entrepreneurs Camp
(Learn to set up a real-life cafe)



Suitable for Kids Aged 7-12 years old

Camp Synopsis
Let your Little Genius learn and explore in our fun-filled 3 full days program ending with the setting up a real life Café. Your Little Genius will gain first hand experience on setting up a cafe and be involved in the planning and preparation work that goes behind it as well as serving simple food and drink in a real-life setting. Best of all, parents are invited are join us at the last day at the last hour of the camp as customers to the Little Entrepreneurs.

Camp Activities

* Planning & preparing for the setting up the real-life cafe
* Craft works for the decoration of their cafe with style and flair
* Cooking/baking the food for their cafe menu
* Activities to reinforce the skill in dealing with the handling of actual money
* Outing to nearest supermarket to get the feel of purchasing the ingredient for their cafe
* Have a better understanding on financial literacy through 'Cashflow for Kids' board game - created by Mr Robert Kiyosaki (author of Rich Dad, Poor Dad)

Objectives of the Camp

* Practice Mathematics Skill involving addition & subtraction of real money
* Encourage teamwork & co-operation amongst children
* Project Management Skill
* Problem solving in a real life setting
* Provide children with a sense of self-worth & achievement
* What is an entrepreneur?
* What are the qualities of an entrepreneur?
* Let children understand the accounting term of expenses, profit, loss and more......
* Enhance creativity with the various activities that they will be participating
* Allow the Little Genius to be able to express himself/herself better

Dates of Intake

>1-3 June 09 (Mon-Wed) 9am-5pm

>15-17 June 09 (Mon-Wed) 9am-5pm

Investment:S$250 per child


Camp fees is inclusive of lunch, 2 tea breaks daily, Camp file and Certificate of

Graduation with Group Photo



Venue of camp: Genius R Us, 75B Tanjong Pagar Road - 5 mins walk from Tanjong

Pagar MRT Station - (Exit A)



Be prepared to have fun: Parent, relatives of participants are invited to join us on the last day of the camp to

support our Little Entrepreneurs at work.

Limited seats each intake! Register early to avoid

disappointment!




Contact Us
Genius R Us is located at:

75B Tanjong Pagar Road
Singapore 088496
Tel: 6221 4561 / 81830563 (sms)
Fax: 6221 5320
Email: info@geniusrus.com
How to get there:

By MRT – Tanjong Pagar Station – Exit A
By Car: Parking lots available along Tanjong Pagar Road, more lots available along Wallich Street, Tras Street, Duxton Road, HDB Carpark at Tanjong Pagar Plaza.
By Bus: Services 145 and 80
Other Programmes and Services

For enquiries on conducting workshops for private functions and corporate events. Please call us for further information on our customised packages, e.g. Birthday Parties, Children's Day Celebration, Family day, Staff Retreats and any Special Occasions of yours.