How To Boost Staff Morale

Your employees are an integral part of your business and its daily success. You need and rely upon your staff daily and as such, it is important that your staff feel valued and appreciated in their working environment. Moreover, it has long been accepted that staff who enjoy a positive working environment are more productive in the workplace. If you have concerns that your staff morale may be languishing then here are some proactive steps you can take to boost the working environment. 

Photo credit Annie Spratt from Unsplash 

Offer perks 

The relationship between staff and employees can be more than a transactional ‘paid for services rendered’ setup. Employees around the world are taking steps to offer more and more perks to their employees. Not only does it make them feel appreciated but it provides a strong incentive to remain within the company. Popular perks will often include comprehensive medical or dental cover that extends beyond basic care to cancer care or metal-free dental implants for example. Other incentives might also include gym membership, discounted share buying options, or discounted travel options to aid the daily commute costs.  

Flexible working 

The last two years have seen a real shift in the way people work. Employees all over the world were forced to stay home and work from their spare room or kitchen table. The result has perhaps been unexpected. It has given employees great freedoms and flexibility in their personal all the while maintaining their work commitments. As such, there has been a significant shift toward flexible working and the importance employees place on it. If you are in a position to offer flexible working to staff then do not overlook it. A good working relationship is built on trust and if you can trust your employees to develop a working schedule that benefits both parties it will do wonders for job satisfaction and in turn performance.

Show your appreciation  

Your staff needs to know that they are appreciated and there are many ways you can show your appreciation from financial incentives to verbal recognition. Of course, many members of staff will want their efforts rewarded with financial gain but that does not mean managers or leaders should overlook the simple act of saying ‘thank you’ or offering verbal praise for a job well done. A member of staff who has been told their work is of a high standard and gratefully received will benefit from an instant boost in confidence and mood. The power of positive words should not be overlooked. 

Ask for feedback 

A great way to avoid second-guessing is to be direct about the matter and ask your staff what would improve their working environment and make them feel better about the workplace. This can be done by arranging a series of one-to-ones, team meetings, or confidential feedback forms. Once you have all the information in be sure to give it the due care and attention it needs - and be sure to act on the recommendations where you can. This is one instance where actions speak louder than words. 

The Troubles Every Business Owner Will Run Into

Do you work with risk every single day? Of course you do - you’re trying to make money! However, while you may think of your company’s profit factor as the only risky element within your business, every single decision you make is going to involve risk of some kind. It’s in weighing up these risks that you gain experience, but that doesn't mean the decisions will become easier to make! 

As such, we’ve put together a little list of the most common troubles business owners like you will run into over the early days of your career; keep them to hand to ensure you’re working with your long term goals in mind. 

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Uncertainty About Where to Go Next

The future is often uncertain, whether you’re working for yourself or not, and that can make running a business often quite frightening. However, being unsure about what you should do next is a common condition of being a business owner. You’ve worked hard to get where you are, and you don’t want to sacrifice this hard work. 

So sit down and make a plan. What do you want out of your company? What markets are you interested in? What do your customers say about you? Is there anything you want to improve? Constantly ask questions like this to help form a guideline for the next year and beyond. 

A Difficult Client or Two

Difficult clients are often the bane of a business owner’s existence. Not only can they kick up a fuss that’s hard to defuse, but they can drag your company’s reputation down, and even prevent you from claiming the money you’re owed for the work you did for them. And when you’re stuck dealing with clients like these, it’s best to stay calm and look into your options. 

Don’t act in response to a client’s anger, and always professionally state what you’re owed and when you’re legally allowed the amount by. Don’t be afraid to get companies like cannabiz involved, depending on what sector you’re in; debt collectors go a long way to saving small businesses in times of need. It’s also a good idea to have a solicitor connected to your company, to ensure you’re aware of your legal rights at all times.  

Working Within Legal Regulations

The laws around running your own company can be confusing at the best of times. But when you’re running a business entirely on your own, you’ve got no one to depend on except yourself. You can’t quite be sure about whether a decision would cross into risky territory, or if even just sending an introduction email out will breach data protection laws!

Do your best to stay up to date on small business laws in your country and/or state. Work closely with a solicitor for in depth advice you can rely on, and if in doubt, consider your options once again before making a decision. 

Having trouble as a business owner is normal; remember that you’re not alone!

How To Control Light Levels In Your Garden

Whether you have a huge, sprawling garden or just a little outdoor space, it’s important to make sure that you have as much control as possible over the light levels in that garden. That’s because this enables you to care for your plants so much more easily, and it is also a great way to ensure that you can have a say over how the whole outdoor space looks. In this post, we are going to take you through just some of the best ways to control light levels in your garden that you might want to consider trying out for yourself.

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Felling Or Planting Trees

First of all, take a look at what trees you have in the garden. Depending on your needs and what you are hoping to achieve, you might find it necessary to introduce more trees into the garden or even use a tree removal company to get rid of one or two. You might have to do a bit of both, too, depending on your plants and what you’re hoping for. But however you approach it, just bear in mind that having a good control of the trees in your garden equals a good control of the light level too.

Moving Plants Around

You can also take a look at whatever bigger plants you may have and see whether you can move them around in such a way as to make good use of the light levels. If you have smaller items that need more light, for instance, moving them around so that they are not overshadowed by the larger perennials can be all you need to do much of the time. So that is something to think about. Sometimes, just getting a little creative here can really make a huge difference to how your light levels in the garden work out.

Artificial Lighting

There is also a place for artificial lighting in a garden, and you might decide that you want to have some of this in yours. You might, for instance, want to light a pathway or create a patio area where you can relax by some soft lighting. Again, you’ll find that playing around with your options is the best way to go, and you should be able to create a wide variety of effects if you can make a point of doing this in the right way, so that is something to bear in mind.

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Pruning & Growing

Finally, remember that you can control how much light gets to the soil by pruning and allowing to grow various plants around the garden. If you are careful about how you approach this you should find that it is surprisingly straightforward to control light levels in this way, so it’s certainly something to think about at the very least. With this all in place, your light levels are going to be a lot easier to control and manage, and your garden will benefit in a number of ways, including looking its very best year-round.

Building A Stronger Relationship With Your Customers

If you’re trying to grow your brand, one of the main things you need to do is improve the relationship you have with your customers. Customers will play a huge role in growing the recognition of your business, and without them, you may struggle to find new customers. Forming a better relationship with your customers will make it easier for newcomers to trust your business, too. 

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Create your own environment

Having your own community is ideal for a business, and you can use it to get new ideas and promote current ideas in the works. Social media is a great way for you to do so, and growing your following can get easier as you go. There are plenty of different platforms to choose from, and there is likely to be one that’s a good fit for your business. Of course, each platform has different restrictions and rules, so watch out for that.

If you’ve already got a following but feel restricted due to the regulations or format of the platform you use, then you might consider creating your own brandable community platform. You can go without all of the rules and restrictions that your current platform has, and you can use it much more flexibly to interact with your community. You may also customize the capabilities and focus of your platform, making it easier to post what you like and impose the limits that are more comfortable to you.

Listen to feedback

If you want to encourage your customers to reach out and communicate with you, then you need to make sure you listen and respond accordingly. If you have a large number of customers leaving complaints about some aspects of your business, you should consider addressing those issues, and letting your customers know that you intend to make some changes. 

It can also help to let your customers know that you’re looking for feedback and that their opinion matters. Leaving them to complain unheard is going to leave a bad mark on your business, and something that you’ll want to deal with as soon as possible. 

Actively respond

Just like with feedback, showing your customers that they’re being heard is important. If you’re active on social media, be ready to interact and answer questions. Answering questions from your audience can mean the difference between making or losing sales. You need their approval, and sometimes the only way to get that is through talking to them and figuring out what they want.

Recognize different demographics

Your audience is made up of all kinds of different people. Everyone has their own interest and failing to recognize that when marketing or interacting with your audience as a whole may lead to alienating a portion of the audience. Make sure that you’re inclusive when trying to communicate with your audience, or you may find yourself losing out on customers. On top of that, new potential customers may be put off with how you communicate, as the product does not seem to be made for them.

Why Your Home Lacks Character

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We can’t all have period properties from the Edwardian or Victorian eras. There wouldn’t be enough homes to go around. But that doesn’t mean that we can’t work with what we’ve got and add a bit of character to spice up our living quarters.

Here are some of the reasons your home lacks character and what you can do about it.

You Left The Kitchen Spot Lights In Place

Recessed spot lights built into the ceiling have been a favorite of home designers for the last twenty years or so. But despite their chic appeal and minimalist appearance, they’re draining homes of their character left, right and center.

To really add a bit of character to your home, you have to do it the old fashioned way - with chandeliers. And we’re not just talking about chandeliers in the living room or the entryway. We’re talking about chandeliers everywhere, including the downstairs washroom. Chandeliers have an uncanny ability to lift an entire room and make something that once seemed sparse, open and full of light.

You Bought A New Build And Left Everything Beige

If there’s one thing that home builders know, it’s how to appeal to the widest audience possible. And while their strategy might be effective for shifting homes, owners rarely get what they want. Beige homes are boring homes, and almost by definition, lack the character that people seek.

If you want a new build, but not the beige, instead of buying from a home building company, look into designing and building a new home so you can get all the character you want, right from the start.

Hiring a contractor for interior house painting will help get you solve the problem of a lack of character in your home. Many Victorian homes had moody paint jobs, focusing on darker colors like sapphire and crimson. Other period homes have an airy feel, enjoying pinks and light blues. Which you choose is up to you, but whatever you do, make sure you get rid of the beige.

You’ve Got Awkward Spaces In Your Home

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Every home has an awkward space which doesn’t quite seem to have a purpose. Perhaps there’s an area near your back door between the kitchen and the garden which is just empty. Maybe you’ve got a large communal room with a corner that doesn’t have anything in it. Whatever your situation, awkward spaces are an opportunity to generate character and to create something a little out of the ordinary.

The current trend is towards converting these spaces into “nooks” - places for retiring from the main body of the home, having a cup of tea and a good read. But you can make empty corners into anything, even storage areas for your favorite memorabilia.

You Don’t Use Wooden Displays

Pine dressers might be out of fashion, but they were a staple of homes in the past. Wives needed somewhere to store all their crockery and dry foodstuffs, and the pine dresser was the perfect solution. Even today in period homes, many still retain the original pine dresser as a kind of pantry substitute.

Use your pine dresser for storing sugar, tea, biscuits, herbs and spices, grains, nuts, and seeds. Pine dressers’ airy, recessed shelves can also help make rooms seem bigger.

How to Make Your Driveway Look Brand New Again

Driveways are often one of the first things people see when they pull up to a home, and they can make a big impression. A well-maintained driveway can add curb appeal, but over time, driveways can become stained and cracked. So if your driveway is looking a little worse for wear, don't worry - we have some tips to help you restore it to its former glory! This blog post will discuss how to make your driveway look as good as new again using simple techniques and supplies that you probably already have at home.

Photo by Curtis Adams from Pexels

#1 Clean your driveway

The first step in restoring your driveway is to clean it thoroughly. This can be done using a garden hose, a broom, and some hot water and dish soap. Be sure to scrub all of the dirt and stains away, and then rinse off the soap with the hose. If you’d like to have a professional handle it, be sure to get in contact with the best pressure washing service to give your driveway a good scrubbing!

If your driveway is really dirty or stained, you may want to use a cleaning product designed specifically for concrete driveways. These products are available at most home improvement stores. Be careful not to damage the surface of your driveway while cleaning it - try not to use harsh chemicals or scrub too hard!

#2 Fill in the cracks

After cleaning your driveway, you will want to address any cracks or gaps in the concrete. The best way to do this is with a product called "concrete caulk," which can be found at home improvement stores and online retailers like Amazon (link). Simply squeeze some of this caulk into each crack or gap, then smooth it out using a putty knife or popsicle stick so that there are no bumps on top of the surface when finished. 

If needed, apply more than one layer for larger holes - just make sure not to overfill them! If there are still visible imperfections after filling them up with caulk, try sanding down those areas until they're flush once again before applying another layer of concrete sealant (link) over top of everything else.

#3 Seal your driveway

Now that the cracks are fixed, and the surface is clean, it's time to seal your driveway. This will help protect it from staining and weathering in the future. There are many different types of concrete sealants available, so be sure to choose one that is designed for driveways (or ask a hardware store associate for advice). Apply the sealant using a paintbrush or roller, making sure to cover every inch of the surface. Let it dry completely before driving on it.

#4  Enjoy your beautiful driveway!

Once you've finished all of these steps, sit back and enjoy your beautiful driveway! It will now be protected from staining and weathering, so it should stay looking good for years to come. If you ever notice any damage or staining starting to occur, simply repeat these steps as needed. Thanks for reading - we hope this blog post was helpful!

In conclusion, there are many ways to make your driveway look as good as new again. By using the above tips, you can restore your driveway to its original glory in just a few hours. Be sure to clean it thoroughly before starting, and use the right products and techniques for your specific type of driveway.

Things to consider when building a pool in the home

With summer in full swing, many people are thinking about installing a swimming pool in their homes. Swimming pools can be an excellent way to cool off and relax on hot days, but there are some important things you need to think about before deciding if this is the right project for your family.

We've put together some questions you should ask yourself when considering whether to install a pool at your house.

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How much will it cost to install and maintain?

One of the most important things to think about when building a pool is how much it will cost. To begin with, building the pool itself is an expensive endeavor. Even a modest-sized in-ground pool can run up to $100,000. If you want a larger pool with additional features like waterfalls or a spa, you could spend even more.

If the cost of building a pool is an issue for you - and it should be - then it's important to think about how much maintenance will cost as well. In addition to the initial price of construction, there are things like closing the pool each fall and covering it up with dirt, vacuuming, chemicals, and water testing. All of this costs money.

What kind of pool should I get?

Another thing to consider when building a pool is whether you want an in-ground or above-ground pool. Both types have their advantages and disadvantages.

In-ground pools are built to be permanent fixtures in your yard, which means they're built into the ground. Because they're already at the correct depth, they're also cheaper to install. This type of pool has more features available, which means it can be customized to your specific wants and needs. You also need to find a company offering heavy machinery rentals since you have to dig a hole before you can set up the pool.

Above-ground pools are easy to take down each year in the fall when you want to cover them up for winter. They tend to be less expensive than in-ground pools, but they're not quite as durable and customized as in-ground pools. They also require at least a small amount of digging to prepare the ground for installation.

How much space do I have for a pool?

Whether you decide to install an in-ground or above-ground pool, you'll need a certain amount of space. In some cases, people try to place a pool next to a house only to find out they don't have enough space for it. If possible, use landscaping tools to mark out how much space you'll need by measuring the size of the pool and adding 20% to that number.

Will the pool be in the sun or shade?

If you're not planning on buying additional pool equipment, then the location of your pool in the sun is very important. If your pool isn't in direct sunlight for at least half of the day, it won't warm up enough to use during the summer months.

You also need to make sure that if you're building a free-standing pool or placing it near your house that it doesn't shade the rest of your yard. If you decide to set up a pool and then use landscaping equipment to remove some trees, make sure you know how much sunlight they will allow for your other plants.

Do I want an in-ground or above-ground pool?

Last is whether you want an in-ground or above-ground pool. In-ground pools are built into the ground, which means they're permanent fixtures. This type of pool offers more customization options and usually comes with more features like waterfalls or spas. They also require at least a small amount of digging to prepare the ground for installation.

On the other hand, above-ground pools are easy to take down each year in the fall when you want to cover them up for winter and they're less expensive than in-ground pools. They also require you to remove some existing landscaping items like trees or hedges before you place the pool.

How often will the pool need to be cleaned?

When it comes to cleaning a pool, there are things you can do yourself and there are other tasks that require the services of a professional. Some things you need to consider before building your pool include:

How often will I be using my pool? If you plan on swimming every day throughout the summer months, then having a pool that requires a lot of cleaning and maintenance is probably not the best choice. A pool that requires less frequent cleanings is better for parties or events, but it might require more upkeep over time.

When it comes to swimming pools, there are many things people need to consider before building one in their home. So, you need to think about all these considerations carefully before making any final decisions!

How To Remove The Musty Smell From Your Home

Mold produces microbial volatile organic molecules, which are responsible for the musty stench common in older dwellings. A musty stench in your house, regardless of its age, indicates that mold has taken root somewhere. There are various things you can do to get rid of that musty stench and leave your house feeling fresh and clean. Read on to find out what you can do. 

Image from Pixabay

 

Find The Mold

The first thing you must do is handle the mold issue. Mold not only has a musty stench, but it is also potentially harmful to your health. Mold typically develops in the vicinity of a plumbing leak. Hopefully, it's in a convenient location, such as beneath the kitchen sink. It might, however, be growing within your walls around a leaking pipe.

Once you've identified the mold, wash the affected area with a solution of one gallon of water and one cup of bleach. Scrub away all of the mold and keep the area properly aired until it dries fully. You can treat a tiny area of mold on your own. However, if the area is much bigger or difficult to get to, you may need to hire specialists to help you. If there is a lot of damage, then you'll certainly need water and mold restoration services to help you put things right again. 

Fix The Leak

You must address the cause of the issue, or the mold will return. You'll need to either repair the leak yourself or hire a plumber. However, in an older house, your plumbing may need to be changed if the pipes have deteriorated, in which case you will most likely want the services of a professional. Galvanized steel pipes, for example, are notorious for rust. Polybutylene plastic pipes, which were popular in the 1970s and 1980s, are prone to cracking.

Of course, it isn't always a leaking pipe. Mold development can be facilitated by any moisture accumulation, not only plumbing issues. If you live in a humid region, think about installing dehumidifiers, particularly in the bathrooms and kitchen. After you've finished showering, open the windows and turn on the fan to help dry the bathroom. Also, keep furniture at least a few inches away from the walls to avoid moisture collecting. You can avoid mold by keeping your house clean and dry.

Use Natural Odor Absorbers

Natural odor absorbers, such as baking soda and activated charcoal, can aid in the removal of any remaining smells. To keep them fresh, swap them out every week or two. Additionally, sunshine and fresh air are natural air cleaners, so leave the windows open throughout the day. Mold development is also inhibited by sunlight and fresh air.

It may take some time to eliminate mold and musty smells entirely, but don't give up. Even if it takes a few weeks for the smell to go away completely, it's far better than doing nothing and living in an unpleasant home. Once you've done what you can, keeping your house dry and allowing in fresh air and sunlight should keep mold at bay.

4 Ways to Get Your Car Back in Shape Before Selling to Get The Best Offer

When it comes time to sell your car, you want to ensure that it's in the best possible condition. After all, you want to get the best offer possible. In this blog post, we will discuss four ways to get your car back in shape before selling it. By following these tips, you can ensure that you receive the best offer for your vehicle!

Photo by Alex Amorales from Pexels

Have it professionally cleaned

The first step in getting your car ready to sell is to have it professionally cleaned. This will remove any dirt, dust, or debris from the vehicle and make it look much more presentable to potential buyers. A clean car will also be easier to photograph, so make sure to take plenty of pictures of your vehicle! A professional cleaning typically costs around $100-$150, but it's well worth the investment. By taking this simple step, you can ensure that your car looks its best and makes a great first impression on potential buyers.

Repair any damage

If your car has any damage, it's essential to repair it before selling. Minor scratches and dents can be fixed quickly, while more significant issues (like a broken windshield) may require more extensive repairs. It's important to remember that potential buyers will likely inspect your car closely, so any damage should be repaired before putting it up for sale. Repairing the damage can often be expensive, but it's worth it to get the best offer for your car. If you have any scratches or dents on your vehicle's body, try to have them fixed before selling. Cosmetic repairs by Landrover accident repair centres can go a long way in increasing the value of your car.

Fix any mechanical issues

If your car has any mechanical issues, it's essential to fix them before selling. A broken engine or a missing transmission can be deal-breakers for potential buyers, so ensuring that the car is in good working order is crucial. If there are any major mechanical issues with the vehicle, you may need to take it to a mechanic for repairs. This can be expensive, but it's necessary if you want to get the best offer for your car. By fixing any major mechanical issues, you can ensure that your vehicle is in good condition and ready to sell

Research selling prices

Once you've fixed all of the issues with your car, it's time to research selling prices. The internet is a great place to start because many websites will estimate how much your vehicle could sell in its current condition. Of course, these estimates aren't always accurate. Still, they can help guide you as you determine how much money should be listed on Craigslist or other popular selling platforms like Autotrader and CarGurus. By doing your research and listing a fair price for your car, you can ensure that you get the best offer possible.

By following these four tips, you can ensure that your car is in good condition and ready to sell. By having it professionally cleaned, repairing any damage or major mechanical issues with the vehicle, and researching selling prices online, you can get the best offer possible when putting your car up for sale!

What Additional Knowledge Can Help You In Business

When starting a business, it's critical that you comprehend basic business principles and ideas, as well as how to be as successful as possible. Of course, you can gain knowledge as you go, but having skills ahead of time makes the whole process of establishing, operating, and expanding your company much simpler.

So possessing business skills is a must; they will come in handy when you start your own firm. However, there are other talents and knowledge that can really benefit you, especially when it comes to staying ahead of your competitors and impressing your clients. Keep reading to find out what these other abilities are. 

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Negotiation Skills 

To be a competent company owner and be successful, you must fully comprehend what it takes to negotiate a sale. If you can be an excellent negotiator, you can strike arrangements that benefit everyone, but especially your business. This might mean you can find the perfect partners to work with, such as commercial electricians or the right prices to pay in any situation. 

If you are unable to bargain or are not comfortable in doing so, it is quite possible to strike a deal that seems to be beneficial at first but is really destructive, or at the very least ineffective, for your business. Even if you are not in business for yourself, being able to bargain could be beneficial; for example, you can obtain a higher income or a promotion. It's a talent that can help you in every aspect of your life, providing you with precisely what you want.

Leadership Skills 

No matter what role you have in the company, leadership skills are essential. You don't have to be a manager to be a good leader; the two aren't synonymous. This means that possessing leadership abilities, particularly those that concentrate on people rather than systems, can benefit everyone.

A leader will remain cool under pressure and understand how to motivate others to achieve their best and be as productive as possible. Obviously, if a business owner possesses leadership capabilities, they will have the required skills to run their company effectively. Being a good leader is not easy, and if you can do it successfully, you should take advantage of it.

Decision-Making Skills 

Every company owner will face challenging issues and complicated obstacles in their daily working life. The accuracy and speed with which you can make judgments to get beyond these challenges can mean the difference between progress and stagnation, and occasionally it can mean the difference between success and ultimate failure.

Sound decision-making abilities will definitely benefit any business owner. However, contrary to popular belief, it is a talent you can learn rather than something you might be born with. As previously said, there are certain other skills that will give a company owner the confidence they need to make difficult choices, but there are also particular courses for people wishing to improve their decision-making abilities. If you know that you need to be a better decision-maker, it's crucial you take one of these courses or try to improve your skills another way, as otherwise, your business could fall behind. 

How Singapore's Financial Literacy Rate Soared

 

Many Singaporeans worry about their financial management skills. But research shows they're doing pretty well. The 2019 GoBear study has found that Singaporeans had the highest financial literacy rate in Southeast Asia. Interestingly, Singaporeans also have a lower perception of their financial literacy than their actual knowledge and skills.

We can't blame Singaporeans for feeling this way, though, especially today. The pandemic had also hit them hard. In 2021, one in two Singapore residents believed they couldn't cope financially if they unexpectedly got sick or lost their job. This might've contributed to the rise of personal loan and overdraft balances among Singapore's young adults.

But the fact that Singaporeans are more financially-savvy compared to their SEA peers remains true. How did they achieve such success?

Financial Management Skills Are Developed in Childhood

Schools around the world don't usually teach personal finance. But Singapore has a different game plan. Singaporean schools didn't always teach financial management, but they've changed that in 2013.

In that period, the Ministry of Education proposed teaching financial management to secondary one and two students. They would also help teachers gain the skills needed to teach the subject. 

Mr. Tharman Shanmugaratnam, the Minister of Finance at the time, added that under the national financial education program, more avenues would be given to people undergoing financial distress.

A pilot program was developed to train social workers and counselors on financial literacy. It has allowed social workers to give guidance to low-income households. In addition, MoneySense delivered targeted messages at key points in an individual's life. For example, if a Singaporean were about to get married, MoneySense would recommend affordable vendors for them.

Citi Singapore and Singapore Management University (SMU) also launched financial literacy programs. But they're targeted at young adults aged 17 to 30. The program seeks to help young adults develop a firm foundation in managing their money early in their working lives.

Thanks to these initiatives, Singaporeans learn essential financial skills early in their lives. They don't have to wait until earning their first salary to understand financial management. Not every Singaporean may have perfect financial health, but they sure know how to save for a rainy day.

Easy Access to Debt

Singaporeans are big credit card users. According to YouGov, 73 percent of them own at least one credit card. Fifty-six percent owned more than one, while 10 percent held six or more. Their research suggests that the more Singaporeans earn, the more likely they will obtain more credit cards.

When it comes to paying their credit card bill, Singaporeans are highly disciplined. Eight-eight percent pay their debts in full, and only nine percent pay them partially. The ones who pay the minimum amount stand at just three percent.

Given all these, Singaporeans make low-risk borrowers, granting them easier access to debt. True enough, personal loan delinquency rates remained low in the country, despite increased borrowing activity during the pandemic. Overdraft delinquency rates, however, rose.

Young adults borrowed too freely during the pandemic. But authorities didn't worry. Even during the peak of COVID-19, the unemployment rate in Singapore was only around five percent. That meant that most borrowers could still repay. The worst-case scenario was the unemployment rate rising as the pandemic carried on, which fortunately didn't happen.

As of November 2021, it went down to 2.5 percent, down from 2.6 percent in October. This had indicated that Singaporeans could pay their loans back easily.

Diverse Options for Those Who Can't Repay a Debt

Since Singaporeans are financially literate, they can avoid defaulting on a loan most of the time. But if things spiral out of their control, they know their options.

One of the easiest ways to get out of debt is to get a debt consolidation loan. In Singapore, you only have to be at least 18 years old and employed to qualify for this loan. Only one valid ID, payslip, CPF contribution for the last 12 months, and income tax notice are your requirements. Some providers may or may not ask for more documents, but often, these would suffice.

The easy access to this kind of loan allows Singaporeans a sense of security when borrowing money. They know that they don't have to run or rely on friends and family if they can't pay. Loan providers are more than willing to help them, breaking the stigma toward financial troubles.

Singaporeans indeed can serve as role models when it comes to financial management. Their educational programs should inspire other countries to do the same for their schools. If students are taught how to manage their money, no one will grow up feeling lost when it's time to build their wealth.

What Are The Key Rules To Pimp Your Car?

When MTV premiered the iconic “Pimp My Ride”, 15 years ago, nobody knew how much the show would influence car owners all across the country. Viewers could follow the experience of turning a regular car into an exciting road monster, ready to devour the miles with style and comfort. Since then, it has come to light that the final vehicle they got to drive may not have had a lot in common with the car that appeared on the show. You can even find some candid reviews as AMAs on Reddit from car owners who have been on “PImp My Ride”. Regardless of how the show handed contestants, there’s no denying that the legacy lives on. More and more car owners are inspired to upgrade their vehicle. 

Do you love pimping your car?

You need to gather data first

One of the most popular upgrades car owners add to their vehicle is to try to increase the overall power output, which is designed to make the car quicker on the road and lighter to handle. Rally and racing vehicle, typically, undergo similar tuning operations to reduce the weight of the car by stripping out everything that isn’t strictly required. In a racing car, this would be the rear seats, the stereo, some body parts, and the spare wheel, for instance. In your day-to-day car, you can’t just ditch body parts and equipment. Instead, you need to modify your tuner, by adding an SCT tuner, for instance, to boost horsepower and maintain the power delivery as smooth as possible. Tuners are used to overwrite the existing tune on your vehicle computer. However, you need to understand not only what you want to modify but also how your engine performs to pick the best solution. 

Lack of knowledge is harmful

As a rule of the thumb, you can’t afford to modify your car unless you’re confident you understand the work you’re doing. Cars is an area where enthusiasm without know-how can get extremely costly. Take a look at these example of tuning gone wrong to understand the risks. Similarly, you also need to work with professionals who are experienced in tuning and modifications. 

Choose the right paint for the job

When it comes to pimping your ride, you don’t want to go too overboard when it comes to colors and designs. The last thing you want is to upset your neighbors or anyone who has to see your vehicle go by.

With that in mind, make sure you’re picking the right paint for the job and that it’s both high-quality and respectable in appearance. This audi touch up paint is a great option for anyone that’s looking for a high-performance paint option for their car.

You need to know WHEN to stop

It’s easy to let your enthusiasm lead the way. However, when it comes to car modifications, health and safety should remain a priority. You should stay away from add-ons that can obstruct any of the windows while driving, as it’s likely to make your vehicle NOT road legal. Some of the modifications you might have seen on “Pimp My Ride” were removed before the car owner could take the vehicle home! 

There’s no point unless you protect your car

Last, but not least, there is a lot you can do with your car, even if you stick by the rules of knowledge, cautious and research. But, you can afford to invest in tuning and modifications if you don’t know how to look after your vehicle. A car cover is a crucial investment to protect your vehicle from damages as a result of moisture, sun exposure, or even mold. Ideally, you want to park your car in a secured area – preferably a locked garage. 

The bottom line is that when it comes to upgrading your vehicle, you need to proceed with caution. You should also research your options, find the best experts and solutions for your car. 

When you’re thinking about aesthetic changes, it’s also worth thinking about safety. If you’re in the market for a new vehicle, look out for key safety features. You might purchase a car with automatic emergency braking, blind spot warning features, or lane departure warning. There are also devices you can add onto your car, for example car HUDS or tire pressure apps. Features like these will help you to stay safe on the roads. If you’re unfortunately been in a car accident, you may need the support of an Accident Attorney.

6 Ways You Can Pay Less For Your Vehicle Insurance

 

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If there is one thing we don’t want to do, it is to pay for car insurance. However, it is a legal requirement, so we don’t have much choice! Nevertheless, it can certainly be expensive, can’t it? Don’t worry, though, as we are going to take you through some of the different ways you can lower your vehicle insurance. 

1. Go for a black box policy - With this policy, a black box will be fitted to your car to monitor your driving. This will enable you to capitalize on cheaper rates of insurance. And don’t worry, you won’t be punished for just being a tiny bit over the speed limit or breaking a little bit too hard now and again.

2. Pay yearly - You can also make your money go further by opting to pay for your insurance per year rather than per month. Virtually every single insurance provider on the market today will offer a cheap price for their clients if they pay for the yearly policy in one payment. Plus, it can give you peace of mind knowing that your insurance is all covered and paid for, without any further payments being needed. 

3. Compare all of the policies out there -  Take your time to compare all of the different insurance plans out there. There are plenty of great comparison websites like this, ensuring you end up with the best policy for your specific needs. Nevertheless, do not forget to take into account factors like voluntary excess if you claim for a car or UTV repair near me, as this is all going to impact how much you end up paying in the end. 

4. Look for a quote 28 days before your renewal - If you look for a renewal quote the moment you need it, i.e. a day before your current policy expires, this can result in you paying more than you otherwise would if you had searched earlier. This is because insurance providers know that you have not got time on your side to hunt for a new deal. 

5. Opt for a low insurance car model - There are a lot of amazing luxury cars on the market today. However, a lot of these cars can be very expensive to insure. This is why it is important to have a look at the models on the market and choose a low insurance model so you can save money. 

6. Park your car in a secure area - Last but not least, it is not only your driving that will impact your car insurance quote. Insurance companies also want to know that you are doing everything you can to keep your car safe and protected. Therefore, storing it in a secure garage can make a big difference on the cost front. 

So there you have it: six of the different ways you can lower your car insurance expenses. We hope that this helps you to find cheaper car cover so that you can keep your costs down while still having peace of mind on the road. 

What Holistic Self-Care Is Really All About

 

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It is of course hugely important to make sure that you are taking care of yourself as much as possible, and that generally means keeping on top of your overall wellness. However, this is not something that is always straightforward to achieve, and there are many things that you might want to pay attention to in order to ensure that you are doing this right. In this post, we are going to discuss the issue of holistic self-care - what it is, how it works and why it might be so important. This should help you to take much better care of yourself on the whole.

Physical

One of the main cores of holistic self-care is the physical side of things. The body is the temple of the mind, so if you are not looking after the body you can’t expect the mind to be taken care of either. There are many ways to improve your physical wellbeing, from working on your fitness through exercise to ensuring that you are eating right and sleeping enough. The more that you get all those things right, the more likely it is that you are going to have the ability to take care of your holistic health.

Mental

The other side of the coin, then, is mental health. Looking after your mental health is clearly vital in taking care of yourself generally, and it’s something that you are going to need to focus on as best as you can as part of holistic self-care. That might include simple every day things such as meditating and being careful about your mindfulness practices. It might also mean stronger measures like going to mental health treatment centers as necessary. All in all, looking after your mental wellbeing is something you can’t readily overlook if you want your holistic care to be intact.

Spiritual

Whether or not you are normally a very spiritual person, this is something that could benefit you if you do indeed focus on it. Being spiritual doesn't mean that you need to pray to gods or even do anything particularly cooky. Most of the time, it simply relates to a feeling of being connected to something larger than yourself - which could just be the universe itself. The main point is to utilize these practices in a way which improves your wellbeing, so as long as you are focusing on that you should find that you are able to be much healthier in general.

Interconnected

Finally, the last piece of the puzzle is your connections and relationships with other people. As long as you are taking care of this, that means that your social side of things is going to be a lot better, so it’s important that you are not overlooking this too. Spend time working on your sociability, and you should be able to find improvements in how you feel generally as a result of this. You might be surprised at how much it feeds into the other elements listed here, so it’s worth looking into.

Practical & Professional: The Right Approaches To Secure Home-Based Business Success

 

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If you are determined to turn your hobby into a business you need to get into the right mindset. Starting a business at home is an essential practice, but for many, this is the biggest battle of all to keep themselves focused and professional. So what are some of the most important rules to guarantee your home-based business is a success? 

Branding Is Everything

Branding is an amazing way to show your business as a key competitor in the market, but it also can help to cover up a multitude of home-based sins. A lot of people focus on the fact that they are a home-based business and this is part of their charm, and if this is something that really works for you, you can embody this within the promotional and packaging materials. But make sure you stick to your home-based ethics, which is why a business plan is so important, as you can lay out all your goals in one handy place.

Stay Practical 

Running a business at home means that you've got to have a practical approach, not just to how you run the business, but also how you run your life. If you are looking towards mass manufacturing, you've got to have the right support on board so you can keep your head above water in terms of your mindset. For example, if you are looking for support when it comes to packaging, you can click here and see the benefits of high-quality roll stock packaging for bulk items. Practicality is such an important thing that we can overlook especially when we turn around and realize that our home is strewn with packaging and promotional materials. Instead, focus on putting your working life into one simple part of the home and ensure you have the right professional and personal support on-side. 

Be Serious (but Not Too Serious)

You've got to have a professional facade, and when customers come to your place of work but you are still living at home, you've got to remember this may very well take the shine off what the customer thinks of you. In order to make a business that goes somewhere, thinking about that whole professional image in terms of your branding and how you conduct yourself is pivotal. One of the best ways to actually offset this potential lack of faith in your professionalism is to have a mailbox registered to a central location.

Customer Care Is Crucial

When you get a call, you’ve got to focus on that and give it everything! This means you’ve got to stop everything, which could mean keeping the kids occupied or letting the dog out. And while we've all learned about working from home, the fact is that if we are going to run a professional business we have got to be professional in every single way. Of course, there are so many things that we can do to make sure that our home-based business is a success, but a lot of it is how we conduct ourselves. 

It takes a lot of effort, especially during those first 12 months. But while working from home may seem like a benefit, in many ways it is a distraction. Make sure that you have the right mindset.

Getting Relationships Through Remote Working

Of all of the ways that the ongoing pandemic has been affecting our relationships, it might be a surprise that remote working is one of the elements seemingly taking a toll on how we get on with our partners. If you feel like this new arrangement has added some strain to your relationship, here are some of the potential causes, as well as what you can do about it.

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The relationship needs new boundaries

It might seem like having a partner at home all the time can seem like a joy, but the truth is that both of you are going to need space and time to yourselves and now, with one or both working from home, it’s up to you to create that yourselves. Otherwise, you can run into not just the problem of feeling like you have zero personal time, but the interruptions and distractions caused by living together without boundaries can start to affect your work-life balance, which can cause a lot of stress and productivity problems.

The physical side of staying at home

Working from home has a range of benefits, but it also brings with it some uncomfortable challenges, which can include the fact that many of us are moving much less than usual. A lot of people have packed on some “pandemic pounds” but it can be even worse for those who are working from home, which can lead to problems with self-esteem and even some loss of attraction. As such, care should be taken to live a more active life, even if you have to work out at home.

Changes in lifestyle can affect intimacy

A lot of us have seen some major mental and physical health changes as a result of being stuck at home all the time. Things like weight gain, loneliness, and frustration can start to affect how we experience and give intimacy. However, it is important to manage these things rather than simply ignore them and, to that end, a relationship counsellor might be a very valuable ally to bring into the relationship. Learning new ways to stoke and to appreciate intimacy is important in a relationship, even if things aren’t going to be the same as before.

Uncertainly plagues us all

It’s not uncommon for people to have doubts about their future plans, given that the pandemic and change in work-life has already introduced a lot of uncertainty. To that end, you might be putting a pause to future planning and this can give you doubts about your relationship or concern your partner about where the relationship is going. It’s time to take a moment to talk about the future of your relationship, where you want to be in a few years, and to understand that you might need a little leeway for that time to come just yet.

Any major change to how we live and spend time with our partner is likely to stress the relationship. However, this is far from unfixable and hopefully, the tips above give you the direction you need to work through it.

Are You Making These Exercise Mistakes?

Exercise offers many health benefits. For instance, it helps combat diseases like stroke, high blood pressure, and type 2 diabetes. Moreover, it improves your mood and promotes cognitive functions while reducing your risks of developing anxiety and depression. It’s no wonder that 58% of people worldwide want to exercise or engage in sports. Despite its perks, exercise can impact you negatively if not practiced correctly. That said, here are various mistakes to avoid when exercising. 

Overtraining

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While it is prudent to prioritize exercise, you may be harming your health by going overboard. Overtraining occurs when you work out too much without giving your body time to recover between sessions. Overtraining syndrome can give you the opposite results of what you desire while causing other health conditions, so it’s best to avoid it at all costs. Fortunately, it comes with symptoms to prompt you to rest your body. For instance, soreness, pain, and strain could be signals that your body is taking more than it can handle at that point. Likewise, you risk obtaining overuse injuries like broken bones, soft tissue injuries, and joint pains. Fatigue, irritability, appetite loss, disturbed sleep, low performance, and loss of motivation are signs of overtraining. 

Fortunately, you can treat overtraining with the right strategies. For starters, it helps to leverage a deep tissue or sports massage for your sore muscles to receive muscle tension. Also, a heating pad or a cold shower are options you can utilize, so keep this in mind. You can also take at least two weeks off rigorous workout routines for a faster recovery, although you can engage in gentle exercises to keep you active. To prevent overtraining, put aside regular rest days after intense workouts. You can also consume a balanced diet to provide your body with the essential calories to support your workouts. 

Failing to warm up and cool down 

If you’re avoiding warm-ups and cool-downs during your workout sessions, you should start doing them. Warming up sets your body up for aerobic activity by boosting your cardiovascular system. Likewise, cooling down helps your body and heart rate to gradually recover. However, skipping warm-ups can place undue stress on your cardiovascular system, leading to decreased oxygen flow to your heart. Avoiding cool-downs can also cause your blood to pool at your body’s lower extremities, reducing the pressure needed to pump it back to your heart and brain, leading to dizziness. You can start your usual exercise slower and more relaxed to initiate warm-ups. For instance, you can take a brisk walk if you aim to run. Likewise, switch back to a brisk walk after your run to initiate a cool-down. 

Sticking to the same workout routine 

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Indeed, it is relatively easier to do the same workout routine repeatedly. However, focusing on one routine without switching it up can give you less than the desired effect. For example, your body may not burn many calories as expected, stalling your weight loss progress. Besides, you’d become more prone to injuries, as you end up stressing the same muscles repeatedly. Boredom may also set in, leading to motivation loss and eventually giving up. Therefore, it’s best to try out new workout routines for the best results. Fortunately, you can utilize these helpful hints to make your workout sessions fun and productive.