tag:blogger.com,1999:blog-56947082499208261672024-03-14T23:23:57.212+08:00Wise of the DayAn entry a day, keeps the mind-doctor away.
Something wise for us to learn, to reflect, and to ponder.Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.comBlogger666125tag:blogger.com,1999:blog-5694708249920826167.post-29291974303930174772020-09-21T11:19:00.003+08:002020-09-21T11:19:35.055+08:00Should I do an Ecommerce in Singapore?<p>I have been dealing with ecommerce for a few years now. Some friends have been asking me how to start on e-commerce.</p><p>My local sales is about $150k SGD per month with about 500 SKUs, while my Amazon USA sales can break $200k a month (in the peak season) with only less than 20 SKUs. The local company has enough profitability record to purchase and finance to own our own property in Singapore for our expansion.</p><p>I am no guru, and no suitable courses to share. I will be sharing a few pointers for newbies on ecommerce.</p><p>TLDR version:-</p><p><b>Do Aamzon USA if possible.</b></p><p>Local (Singapore) Ecommerce is easier to start with lower capital, easier learning curve, and more leeways to repair mistakes and manage the business.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht_L6NUa4FmfdJ4OawvALgeNaUbIStgB7bbrbgQ0lVYtoI7SAjWGkv74krhQNnrTIexw6QlkVfNNyj1bdhTV1sJ6PLJywuNyAIecEhjYI61fn3FogVmX-Y8z2RqVzw7AtrrSIQtM9pOHk/s4032/IMG_1099.HEIC" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4032" data-original-width="3024" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht_L6NUa4FmfdJ4OawvALgeNaUbIStgB7bbrbgQ0lVYtoI7SAjWGkv74krhQNnrTIexw6QlkVfNNyj1bdhTV1sJ6PLJywuNyAIecEhjYI61fn3FogVmX-Y8z2RqVzw7AtrrSIQtM9pOHk/s320/IMG_1099.HEIC" /></a></div><br /><p><br /></p><h2 style="text-align: left;">Local Singapore Market Places</h2><p></p><ol style="text-align: left;"><li>Shopee</li><li>Lazada</li><li>Qoo10</li><li>Carousell</li><li>Own Websites (.com or .com.sg)</li></ol><div>Qoo10 used to the king of e-commerce in Singapore but Shopee and Lazada are the biggest platform marketplaces now. </div><div>Carousell is great for newbie, but only for goods that are relatively higher value. If not you are going to be doing a lot of manual work, which may not be worth it. </div><div><br /></div><div>Doing your own website is tedious but its a must if you want to build your own brand and services in the long run.</div><div><br /></div><h3 style="text-align: left;">Advantages of doing local ecommerce</h3><div><ul style="text-align: left;"><li>Lower capital required</li><li>Shipping goods from China to Singapore is easy</li><li>Advantages of using alibaba, aliexpress, taobao etc.</li><li>Easy to manage and handle goods, refunds, customer services</li><li>Home ground advantage</li><li>You can even start with no warehouse, but shipping out of your own home</li></ul><h3 style="text-align: left;">Disadvantage of doing local ecommerce</h3></div><div><ul style="text-align: left;"><li>Small market (only 5m population)</li><li>Very difficult to scale out.</li></ul><h2 style="text-align: left;">Overseas Market Places</h2></div><div><ol style="text-align: left;"><li>Amazon USA</li><li>Amazon Europe (or other Amazon marketplaces)</li><li>Ebay</li><li>Shopify with dropshipping</li></ol><div><br /></div></div><div><h3 style="text-align: left;">Advantages of doing international marketplaces</h3><div><ul style="text-align: left;"><li>Large market size (400m for USA)</li><li>Easier to scale up or to other regional places</li></ul><h3 style="text-align: left;">Disadvantages of overseas marketing</h3></div><div><ul style="text-align: left;"><li>Large capital needed.</li><li>Difficult to handle refunds, product flaws or shortcoming.</li><li>Steep learning curve</li><li>Lots of extra costs involved</li></ul><div>I will say huge capital is needed. If you bootstrap, i think $10,000 USD is required.</div></div><div>If you want to do well, perhaps at least $30,000 to $50,000 for a few SKUs of products.</div><div>Amazon is fiercely competitively, and you may face lots of extra costs, from shipping, customer services, PPC (advertisement costs) to even disposal of units. Yes, you have to pay Amazon to throw away your units.</div><div><br /></div><div>And since you are unable to handle and manage your own units, even small defects or missing accessories that can be easily fixed are not fixable when you are doing Amazon or eBay sales because your goods are in Amazon or 3PL (third party) logistic warehouse.</div><div>We have thrown away goods with silly flaws, simply because it costs too much to fix it.</div><div><br /></div><div>For example, if an important sticker is missing or some part is problematic</div><div>1) Ship from Amazon warehouse to your 3PL warehouse = shipping costs</div><div>2) Acceptance and handling of goods costs in 3PL</div><div>3) Fixing of the problems in 3PL = at least $0.50 per unit or more</div><div>4) Reboxing and shipping back to Amazon warehouse for asles</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv33_7iugxV3GRAEtCcm3S43fzdWonj8rNBtGaScKLA3YcmgtGoZII8Jv35A5bkbi1-Ypi0uYj9hHnVn9Pmxs3qY557OwxolH-YmFe2grjbN4AU26rfKK44LWAcO_XvRqknY0CExpb-bY/s3840/6401B177-DB49-4256-90F2-F4949CE00F75.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2160" data-original-width="3840" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv33_7iugxV3GRAEtCcm3S43fzdWonj8rNBtGaScKLA3YcmgtGoZII8Jv35A5bkbi1-Ypi0uYj9hHnVn9Pmxs3qY557OwxolH-YmFe2grjbN4AU26rfKK44LWAcO_XvRqknY0CExpb-bY/s320/6401B177-DB49-4256-90F2-F4949CE00F75.jpg" width="320" /></a></div><br /><div><br /></div><h3 style="text-align: left;">How do I get started on e-commerce?</h3><div>If you have at least $10,000 USD and more, go for Amazon.</div><div>Its a steeper learning curve, but one that can get you out of Singapore.</div><div>Doing local e-commerce is easy but you would not get super rich doing local business, go for the skies, go for international market.</div><div><br /></div><div>If you need help, google for Jungle Scout, read through their case study and learn via their course.</div><div>You can also google for Helium 10, its another great way to learn about Amazon.</div><div>Learning from them is FREE.</div><div><br /></div><div>Here are the Amazon vendors that I have used and highly recommended</div><div><ul style="text-align: left;"><li>Jungle Scout</li><li>Helium 10</li><li>Viral Launch (for getting the statistics in researching products)</li></ul><div>Have fun and remember, most people failed in starting their businesses not because its hard. Its because they think that its easy to get rich, and forgot that starting a business is just work. Highly rewarding work if you are prepared to work hard and learn hard.</div><div><br /></div></div><div>I do learnt my <a href="https://decisivemarketer.com/" target="_blank">local e-commerce and Amazon from https://decisivemarketer.com/</a></div><div>Hope you can start your own business and if you succeed, do donate money to local educational charities :)</div><div><ul></ul></div></div><p></p>Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-68528862217197118722020-06-20T04:04:00.001+08:002020-06-20T04:04:26.715+08:00A simple interview on lessons learnt from failed businesses to 8 figures ecommerce.Hi everyone<br />in eCommerce now.<br />
<br />
I started off doing small business as a student... found out I like it<br />
when I graduated, started off in insurance, found a bit of success, become top 20 agents, promoted to be a manager, unit got off to top 20 in the first year<br />
but become super disillusioned.<br />
<br />
realized being an insurance adviser was not a businessman but as an agent, it's a fantastic career (if you are young and want one, go talk to an agent in this chat for this wonderful career)<br />
so decided to do business...<br />
<br />
obviously.... I lost tons of money in my first biz đđđ<br />
<br />
sell scientific toys and stuff to schools. I remember when first started, each school average enrollment is around 1800<br />
<br />
after a few years of declining sales, we decided to bite the bullet and expand<br />
books and more books...<br />
<br />
hire more staff, expand our scales<br />
<br /><h2 style="text-align: left;">lesson 1- do not throw good money after bad money</h2><br />by the time I bite the bullet and abandon this company, I already 6 figure losses<br />
whatever I saved from insurance sales, I spent all. hahahhaha<br />
<br />
at that time school enrollment is abt 1200 per school<br />
u can see the difference? 600 drop PER SCHOOL<br />
<br /><h2 style="text-align: left;">
lesson 2- don't fight the trend</h2><br />
seriously don't fight the demographics...<br />
i tried fighting by expanding the varieties and scales and whatsoever....<br />
<br />
but so little children left, what can we do<br />
<br />like if one range of your business or YOUR whole business is losing money<br />
most of us, INCLUDING me, like to expand more resources to get it going...<br />
<br />
Like hire more salesperson, increase more goods variety <br /><br /><div>in fact, we made another such issue last month<br />
one of my eCommerce sub-branch was doing beauty products, working with bio essence, Ginevra, gatsby, etc, etc<br />
we did for 1 year, and sales were still not scaled up...<br />
<br />
so my partner and I, we decided to bite the bullet, close it and move on<br />
I reject all motions to try anything new in this branch.<br />
<br />
lol<br />
<br />
<br />you have this #tryonemoretime<br />
<br />
but i disagree liao.... of course not all situations, but i find most Asian businessmen got too emotionally attached <br />so now I training and learning do not be emotionally attached to your products <br />#letitgo<br />
<br />
<br />yeah after leaving the books/toy companies<br />
Chiong up to learn in the corporate world a bit... didn't stray too long<br />
<br />
(oh yah big regret, should have learned in the corporate world after graduating instead of chasing money in sales)<br />
<br />
form a small partnership to sell goods online with a partner<br />
go deep to find a niche<br />
started off with a small niche area...<br />
then once successful in 1, whack 2nd niche, then whack 3rd niche </div><div> <br /> <br />at the beginning it was hectic, we were doing double digits month on month growth but at the same time, still keep trying new and new products<br />
<br /><h3 style="text-align: left;">lesson 3- find good partners</h3>
<br />
lol<br />
<br />my partner is 10 years younger than me... he is a lot more energetic and savvy<br />
because he chiong so fast and so hard, I have no rest, and because I do not want to let him down<br />
when he runs, i will run too<br />
so i run a lot faster than if I run alone<br />
<br />the good thing is because of my sales experience and older experience, he finds my methods and slower way of doing biz useful to constrain him at times too<br />
<br />
#workwithsomeone lesson 4? or was it 3 <br /><br /></div><div>7 figures yearly lor<br />
but really no satisfaction at that time. I was flying 4-5 times a year, and corporate office call me when I want to skip a stupid 3 day Dubai trip (seriously;y fly there sleep 1 night, then fly home again) because if I don't give face, then corporate head don't want to give face to me next time <br /><br /></div><div>so I realized... what businessman? I am just their agent.<br />
<br />life insurance agent. of course got 3 GI license too..... <br />one thing abt business<br />
u must really find partners to work with u, this is the valuable part of it<br />
u can find a good partner, u will run faster than u can run alone<br />
<br />
insurance is a fantastic career. if u like money, u work really hard, it's not possible for your income to be below 5 figures<br />
I have seen both warm market agents and cold market agents (street prospecting and roadshows)<br />
in both cases, i have seen career agents<br />
<br />
the only unifying theme is - <b>hard work</b><br />
<br />
<br />
anyway eCommerce is good<br />
one thing abt being old (for me) is that I v reluctant and stupider to learn new things<br />
<br />
but really force me to learn, simi SEM lah, SEO, FB Marketing lah, CTR lah, CPA lah, pixel lah<br />
wah liew I really force myself to learn<br />
<br />
<br /></div>Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-12367117822155299492019-08-06T16:16:00.002+08:002020-06-20T03:54:50.566+08:00Expanding your businessOnce your business start running, it is critical that you start expanding. Expanding is no longer an after-thought, it is now necessary to think ahead and plan ahead for expansion. This allows you to maximize the YEAH Income formula and bring more income not just to your family and you, but to your existing staff too.<br />
There are 2 common restraints to business expansion<br />
<ol>
<li>Skilled manpower or Talents</li>
<li>Capital</li></ol><h2 style="text-align: left;">
Capital</h2><div>
Financial capital is always an on-going business matter, from the first seed money for your untested, new business, to a much bigger amount for scaling and expansion. </div><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/proxy/AVvXsEjy4FGMNeJKQP2k4jBE4EhTIYnH_z_wLfJR5TZPn2deGOyFqFlqFnOM_BQu4eO5ullL8AMzH6FtW59eNjbhu1V58-zy4MQskPnqDFFLo2VxMj8clcbmjryVHVWSclwRQL6WQzot4F-MxnsgnHfg7Pfnz6wiVRJ8zlasjy3ydYajSZhP9BRr5T0BSq4qY7nPNgaVL1rpt6JmJwLdDPu_Mg5uiG_ucvIpuaWQB4ia2RbBcyuy9b9YERu-5oHLmBM6yQu4SG9fhhltuc_UWy0cxaD74aLPmPzenUMVt5t8X5TXfZLedriH3VuRggC_sYwRIFkoC-5NDyaneYHl=s2048" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="working capital for a business" border="0" data-original-height="1365" data-original-width="2048" height="266" src="https://blogger.googleusercontent.com/img/proxy/AVvXsEjy4FGMNeJKQP2k4jBE4EhTIYnH_z_wLfJR5TZPn2deGOyFqFlqFnOM_BQu4eO5ullL8AMzH6FtW59eNjbhu1V58-zy4MQskPnqDFFLo2VxMj8clcbmjryVHVWSclwRQL6WQzot4F-MxnsgnHfg7Pfnz6wiVRJ8zlasjy3ydYajSZhP9BRr5T0BSq4qY7nPNgaVL1rpt6JmJwLdDPu_Mg5uiG_ucvIpuaWQB4ia2RbBcyuy9b9YERu-5oHLmBM6yQu4SG9fhhltuc_UWy0cxaD74aLPmPzenUMVt5t8X5TXfZLedriH3VuRggC_sYwRIFkoC-5NDyaneYHl=w400-h266" title="working capital for a business" width="400" /></a></div><div><br /></div><div><br /></div><div>Large transnational corporations can issue bonds and stocks, and credibility for large bank loans. Extremely unique or wonderful startups may have access to angel investors or venture capitalists. Most of us, however, may have to stick to traditional and smaller ways of capital access<br />
These are the usual way of getting capital for business, ranked from the beginning to a larger amount.<br />
<ol>
<li>Personal Savings and Investments</li>
<li>Personal loans, credit</li>
<li>Spouse, family and friend loans</li>
<li> Business loans from banks and credit facilities</li>
<li>Joint Venture capital or loan backed by partners</li>
</ol><h3 style="text-align: left;">
Personal Money</h3></div><div><br />
For most new businessmen, the easiest way of starting a business is via your own savings. You may liquidate some unit trusts, stocks, or even your home for the cash to start a business, or use cash from your savings or fixed deposits. You usually meet little or no objection, since these are your own money. Do note, always discuss with your spouse on this. </div><div><br /></div><div>Money is the #1 issue why divorces happen, and even if it is your own money from your own career, you should respect your spouse and discuss this. If you are young, you may want to consult your parents too. This is not about permission, it is a <strong>healthy form of respect that will help you as you grow in strength</strong>.</div><div><br /><h3 style="text-align: left;">
Personal Loan and Credit</h3>
This is another common way, where you can seek personal loans from banks based on your current salary. I have heard of people who have a lucrative career, borrowed large sums based on his payslip, and quit his job to start a business. The bankers would have frowned as the loan was based on his salary monthly repayment ability, but it is completely legal.</div><div><br />
I would not suggest this though. It might be better to start off a small scale business with your own savings rather than credit or loans. The reason is that you are new in business and you have 101 things to take care of and learn. Interest repayment, credibility, may not be something you want to add on to your stress.<br />
However, if your business is tested and tried, and you are fairly confident (there is no 100% in life), then you may consider using personal loans because your business probably has not reached the years of operation required and the great accounting needed for banks to consider corporate loans.</div><div><br />
I personally used many credit card balance transfers (roughly 2 to 4% per annual interest rate, NOT 24%) promotion rate (only valid for 6-month loans. Not only is the interest rate much lower for short 6-month promotion balance transfer, but it also forces me to be nimble and handle my maths correctly, that I must ensure my goods get sold and I recovered the full capital within 6 months.</div><div><br />
As recommend, <strong>always discuss with your spouse</strong> as personal loans do affect your family.<br />
Spouse, family and friend loans</div><div><br />
Your relatives and spouse are the biggest supporters, but please do consider carefully before asking for a loan. You will be hard-pressed to pay back if the business failed, and I have seen my own personal cases where relatives do not speak to each other due to old, bad debts. Do not let this affect your relationship with your family.</div><div><br />
Having said that, if you do have a fairly valid business model, and if you seek family help for financial capital, do note on this:- ALWAYS HAVE THE INTENTION TO PAY BACK. </div><div><br /></div><div>This makes sure you are very careful with the capital and do not overspend, or over ordered the volume of goods. The biggest mistake one can get with "other people's money" is the lack of ownership and responsibility and splurge on risky business expansion and doom oneself to financial ruins. It may not be your personal money but <strong>once you lose it, you lose your reputation, your morale, your workflow, and worst of all your relatives or friends.</strong> </div><div><br /></div><div>Be more careful of other's money than with your own money.</div><div><br /><h3 style="text-align: left;">
Business Loans</h3></div><div>Every country and banking sector has its preferred years of operations, but usually, banks only lend out money to a business of at least 2-3 years in operation, sometimes with the insistence of the business owners and directors as personal guarantors. </div><div>They will check the accounts for the past 1-2 years to assess the amount of risk you possess and then offer a deal.</div><div><br />
In Singapore, companies usually require 2 years of operation, and the business loan interest is around 7-9% from a bank, and 15% and more from finance companies. Financial companies are less strict and provide more loans, at higher rates though.</div><div><br />
This is why when you start a business, <strong>ACCOUNTING</strong> is very important. It helps you to stay legal with proper corporate tax payment, it is also the key to how much capital banks will lend you in the future.<br />
<h1 style="text-align: left;">
Talents in your business</h1>
There are 2 ways of getting talents to expand and run your business<br />
<ol>
<li>Hire experienced staff and let them lead and grow</li>
<li>Hire inexperienced staff and train them.</li>
</ol><div><br /></div>
<h3 style="text-align: left;">
Hiring new staff (and possibly training them from scratch)</h3>
One of the best ways of building a beautiful business culture is hiring fresh graduates. They are new to society and you can attract those who are similar to your work culture. Do note that they will have a steep learning culture to learn and adapt not just to society, but how things work in real life. Many of them are used to students' life, and non-punishing deadlines or non-serious issues, and you need to adapt to their learning curves. If not, they may leave your company soon.<br />
Some of the best staff we have are hired are fresh graduates, and we are proud to say that because we manage to interview and filter and provide the correct incentive to the correct person to accept the challenge and join us.<br />
<h3 style="text-align: left;">
Getting Great Talents In</h3>
My favourite would be hiring people that have great experience and help you jump start the business. Unfortunately, this is not easy. Let me share why it is difficult to hire great talents<br />
<ol>
<li>Your salary offer cannot match what big Transnational companies can offer</li>
<li>He may not share your same vision, business culture</li>
<li>He will be concerned (rightly) of the future of your company</li>
</ol>
For reason #1, unless you are already making high margins and high volume, usually we are unable to match the corporate perks and salary that he may be able to find in other companies.</div><div><br /><h4 style="text-align: left;">
Business vision</h4></div><div>The future of the company and the business culture can be attractive and compelling to pull real talents to join your business.<br /><h4 style="text-align: left;">
Business Culture</h4>
Small or new businesses have the luxury of starting a brand new business from scratch. There are talents out there who love the challenge of starting something new and learning new things. This can be one of your attractive traits.</div><div><br /><h4 style="text-align: left;">
Small family and cozy culture</h4></div><div>Large companies lack the warmth and family closeness of what small business can offer. You may be surprised how many people may choose a cozy working environment with a small knitted group than over any larger salary increase in a colder, corporate workplace. Many of our existing staff are comfortable and happy with the culture, and we dare say that they are working hard and happily here not because of our salary offers. </div><div><br /></div><div>Our salary offers are competitive but nothing to crow about. Our pantries are full, but not to the level of tech unicorns with 10 different ice cream flavours and 20 tea bags brands.</div><div><br />
They stay because they are comfortable, happy, coming daily to a workplace that has a culture that is suitable for their characters.<br />
<h3 style="text-align: left;">
Sharing our business culture</h3>
Our biggest draw:-<br />
<ol>
<li>Simple or NO Dress code</li>
<li>Flexible working hours</li>
<li>Evolving Job Scopes</li>
</ol>
<h3 style="text-align: left;">
Wear what you like!</h3>
When we first started, we were really small, so we started with a casual dress code. Our dress code is: Dress Sensibly. I do not think that there is a need for an office shirt and pants or skirts for the ladies.</div><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/proxy/AVvXsEh27eefDz7WDKRQtc9baxmoyaeHIXBUgchSwv_-uBhAax-Ta76HQVotBkqYoVb9-kEUgD5qCHNF7oDJZ0lO5jjdZD5XrVD6QE5icKLx36yRVXlsdH8tMp4Un7vqUUYUGZfBTE1JdH7j4ff4gmeGZKHaYe4SK2Agd9vxYNEFvQRiWa1GK1GQEvRWnOkFk71XXu1vk0gvuFPdhvQElUYF21sbDsvpdTZiGkAyOxbwWw=s682" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="682" data-original-width="650" height="320" src="https://blogger.googleusercontent.com/img/proxy/AVvXsEh27eefDz7WDKRQtc9baxmoyaeHIXBUgchSwv_-uBhAax-Ta76HQVotBkqYoVb9-kEUgD5qCHNF7oDJZ0lO5jjdZD5XrVD6QE5icKLx36yRVXlsdH8tMp4Un7vqUUYUGZfBTE1JdH7j4ff4gmeGZKHaYe4SK2Agd9vxYNEFvQRiWa1GK1GQEvRWnOkFk71XXu1vk0gvuFPdhvQElUYF21sbDsvpdTZiGkAyOxbwWw=s320" /></a></div><div><br />
<h3 style="text-align: left;">
Work anytime you like!</h3>
I set a simple working hours rule, come at 8 am, finish at roughly 5 pm, and all staff has the flexibility to adjust your working hours, the only request is please check with us and give us your reason. Currently, I have a staff that comes around 5 am, finish at 3 pm or 4 pm, another lady that finishes at 4 pm so that she can go for extra school lessons, and another staff that works longer shift daily so she can have an extra day off for her personal chores.<br />
<h3 style="text-align: left;">
Evolving Job = More Learning chances!</h3>
In evolving job scopes, what I am highlighting is that there will always be different challenges in different stages of growth. A person in charge of marketing may have to cross over to customer service and learn good responsive customer service. A graphic designer may need to go through email marketing training with us to understand what is needed for that 1-second hook.<br />
This is the biggest advantage small businesses can provide for staff:- <strong>simple dress code, flexibility and accommodating to each staff's personal needs, and evolving job scope descriptions. </strong><br />
Use this to your advantage to recruit people that you can work with, for the long term.<br />
<h3 style="text-align: left;">
Features can attract or repel different people</h3>
During the interviews with candidates, I pointed out this dress code, the flexibility of time, evolving job roles, and their reactions will tell me a lot about their characters and preferences. I can guess who will be keen on this job and who I will consider hiring.<br />
There will always be talents that you love, but their eyes do not light up at the mention of simple dress code, great flexibility, and evolving job scope. In our case, I will not hire them no matter how talented they are. They will only reject your offer or leave in a few months' time because the advantages that you are providing is a mismatch for them.<br />
These 3 features, dress code, flexibility in timing, and different job challenges are just features, they are <strong>advantages to the correct candidates but they can be vast turn-offs to some</strong>. I know of candidates who do not like evolving job scope, they have the mindsets that they are specialists and should not be doing other duties. For example, a digital marketer may frown that he needs to create an excel sheet to track sales; he will prefer working for large corporations where each staff's duties are narrow and focused.<br />
<br />
<h3 style="text-align: left;">
Retaining your talents</h3>
Besides recruiting staff into your company, you also need to retain your staff. If your staff is capable, he or she would have no lack of opportunities outside to work for higher pay or better opportunities. And irony enough, we are in a sector where our staff can learn our eCommerce process and then have their ambition to jump out and start up their own businesses.<br />
This is normal and you should take joy in this. If your staff can go out and make more money, this means he is giving you a lot of value-adds and you are getting great profits from this. The key to retaining them:- give them more value add.<br />
<h3 style="text-align: left;">
Growing with the company</h3>
One of the biggest contributions you can give to your staff is to grow your company. People take pride belonging to a business that is growing by scope, horizontally or vertically. If you stay stagnant, then they are not participating in something new and they will grow tired of it. If their intention is just to make daily living and live day by day, this is not an issue. If your talents want to feel excitement and fulfillment at their career path, they will soon leave you for exciting prospects.<br />
This is an exciting feature for you. If they work hard, you will work harder, if they work smarter, then you will work smarter. Healthy competitive and healthy pride will encourage both bosses and staff to push the company to higher levels.<br />
<h3 style="text-align: left;">
Training and skills</h3>
I offer all our staff time off for them to learn anything, even when it may not be useful to the company. I allow my customer service officer to learn accounting, and promised her a wage increase and a promotion when she has graduated with accounting credentials. Allow your staff to grow with you, both in skills and wages.<br />
Do allocate time and resources to train your staff, both new and old. Let me share this quote:-<br />
<blockquote>
<div class="article-title">
<strong></strong></div><blockquote><div class="article-title"><strong>CFO: What happens if we train them and they leave? </strong></div>
<div class="article-title">
<strong>CEO: What happens if we donât and they stay?</strong></div></blockquote><div class="article-title"><strong></strong></div>
</blockquote>
We provide all our staff with opportunities to learn. As a boss, you must be generous to share and train your staff. Do not worry about them leaving, that is an old and traditional mindset that will handicap your company growth. Out of 10 good guys you train, surely 1 or 2 will still leave you. However, those who stay will be able to perform a lot better with the additional skill sets and attitudes.<br />
When your staff knows that you are generous in training, they know you are not keeping special knowledge hidden from them, they will appreciate this and learn more and work better for your business.</div><div><br />
<strong>Your staff is your multipliers of you.</strong> </div><div><br /></div><div>With good skills and knowledge, they can be even stronger multipliers of your revenue and profits.<br />
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<br />
<br />
<br />
<br /></div>Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-21251510982566329692019-07-29T15:14:00.002+08:002019-07-29T15:14:53.556+08:00Top 5 Forums in Singapore and Malaysia (#1 won't surprise you)We love forums, where we can ask anything under our nicknames and not worried about privacy and being embarrassed. And this is a great way to destress at office hours ;)<br />
<br />
What are the top forums in Singapore and Malaysia where we can seek advice or just have fun chit chatting? Let us check out the top 5 forums in Singapore and Malaysia!<br />
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5) Petalbytes for Women in Singapore and Malaysia<br />
<br />
Remember Cozycot or Flowerpods? Those were the old forums in the past that cater to the women's topics. Ladies flocked to them for the best deals, sharing their fashions, health and love stories. Now, petalbytes.com is the new Singapore and Malaysia forum for women, including motherhood and family sections where women share stories of and seek advice.<br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="http://images.allsingaporestuff.com/styles/big_within_article/s3/field/image/women-forum-petalbytes-safe_0.jpg?itok=DpcJsjYF" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="435" data-original-width="600" height="232" src="https://images.allsingaporestuff.com/styles/big_within_article/s3/field/image/women-forum-petalbytes-safe_0.jpg?itok=DpcJsjYF" width="320" /></a></div>
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Their top section? No doubt about it, it is their <a href="http://petalbytes.com/all-about-love/">Love and Romance subforum.</a><br />
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Fun fact: Petalbytes even has a <a href="http://petalbytes.com/safe/?pretty;board=safe.0">work-friendly SAFE MODE</a> to discreetly use the forum and looks like you are using Office word editors. Just toggle the Safe Mode at the top right corner for the forum.<br />
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4) Malaysia's number 1 forum- Lowyat<br />
<br />
Lowyat is the name of a shopping complex in Kuala Lumpur that is famous for electronics. A forum pops out for tech discussion and evolved into <a href="https://forum.lowyat.net/">Malaysia's number one forum</a>.<br />
<br />
The topics are diverse and interesting, with many Malaysians participating and giving their two-cents worth. Some debates get hot and heated and you will welcome the diverse views in society. Manglish is widely used, with English, Malay and Cantonese making Lowyat home-sweet-home to all malaysians.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSBuY0McfUYEORBPrTxC-IfE7AWLLY8U78JZkm5hLi2gPfDTdTVOg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="159" data-original-width="318" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSBuY0McfUYEORBPrTxC-IfE7AWLLY8U78JZkm5hLi2gPfDTdTVOg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small; text-align: start;">Lowyet, Malaysia's #1 Online Forum</span></td></tr>
</tbody></table>
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Top section in Lowyat beside their huge mobile phone section? Their <a href="https://forum.lowyat.net/Kopitiam">Kopitiam</a> section where you can discuss anything you can discuss over a hot cup of kopi-O or milo dinosaur.<br />
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3) SG Talks<br />
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http://weblisting-img.freetemplatespot.com/img/620x313/s/sgtalk.org.png<br />
<br />
(caption SG talks)<br />
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One of the oldest forum around in Singapore, <a href="https://sgtalk.org/mybb/">SG Talks</a> has seen its ups and downs. Over the years, it has evolved and has a regular group of people who talk about stocks, politics and current affairs.<br />
<br />
Top section:- Their <a href="https://sgtalk.org/mybb/Forum-Market-Talk">Market Talks</a>! discussions about how the market is, costs of living and the average man's savings and investments<br />
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Fun fact: There is an android app for using SG talks to make it convenient for mobile phone usage.<br />
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2) Hardwarezone (owned by SPH)<br />
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Hardwarezone started off as a tech forum, where people logged in to discuss about their PC builds, their graphic cards, sounds cards etc...<br />
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It eventually grow big enough to have such a huge diverse variety of subforums, from travel subforums (and many subsections on different regions), health and fitness to money mind, where people debated on the benefits and costs of stocks, ETF, funds and insurance policies (insurance agents trying to find business are rapidly exposed there). Many of the subforums have grown so large into its own battalions of regulars and experienced seniors.<br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://www.hardwarezone.com.sg/thumbs/646090/a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="324" data-original-width="500" height="207" src="https://www.hardwarezone.com.sg/thumbs/646090/a.jpg" width="320" /></a></div>
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SPH which owns the major newspapers in Singapore, took notice of Hardwarezone.com.sg and bought it in 2006 and has since incorporated management with its digital media.<br />
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Their top section? <a href="https://deluxeforums.hardwarezone.com.sg/infotech-clinics-1/">Hardware section</a>. Yup, they have lots of great sections on mobile phones, laptops, electronics part. Actually... their biggest traffic zone is a non-hardware section... a section so huge, it deserves a mention on its own as its own "forum"<br />
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1) EDMW<br />
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<a href="https://forums.hardwarezone.com.sg/eat-drink-man-woman-16/">EDMW forum</a>, aka Eat Drink Man Woman, is the huge beast in the room. Not just in term of users, but the amount of time each average user spend in this forum. (Goodbye office productivity). As the name implies, Eat-Drink-Man-Woman, this is the coffee shop forum where everything goes, be it food, drinks, man or woman ;)<br />
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It has evolved so huge that it has a life of its own in hardwarezone, and where other users at different sections even frown upon EDMW users and their lingos. EDMW users have their own subculture, lingos that seems funny to most and annoy to some. Even celebrities, such as actors Tay Ping Hui or father of Singapore bloggers- mrbrown has revealed that they do surf EDMW.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2yaiJ152i8En0zQy3rl4kn1SLzxBu0LWihTn0ZrQD4kSxxXOt-7AVFcl1aeJI5Sx592dHyMs5HqczjsoXLto6DUdGEbb9itbbrWsasDd2rfVnfyc3oSH8Sx04yslRg42pEzC4jYVNlhQ/s1600/takemedicineanddontimangine.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="576" data-original-width="768" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2yaiJ152i8En0zQy3rl4kn1SLzxBu0LWihTn0ZrQD4kSxxXOt-7AVFcl1aeJI5Sx592dHyMs5HqczjsoXLto6DUdGEbb9itbbrWsasDd2rfVnfyc3oSH8Sx04yslRg42pEzC4jYVNlhQ/s1600/takemedicineanddontimangine.jpg" width="320" /></a></div>
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<a href="http://4.bp.blogspot.com/-dw28TrNZcHY/T9Lf0T-kJ7I/AAAAAAAAAhA/6mjDtW3FLyY/s1600/medicineforget.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="514" data-original-width="643" height="255" src="https://4.bp.blogspot.com/-dw28TrNZcHY/T9Lf0T-kJ7I/AAAAAAAAAhA/6mjDtW3FLyY/s1600/medicineforget.jpg" width="320" /></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOmC0cn8qTFeMK37KWCcahcOmqpAre81Ue9UwaBxFIgnwrmJ2Rc7x1xX8uo5zv2g0epKXFJmMleNIuPpbceIwm7oP9km7KCsOmSkdblcNEKipRGw4es4vIyWp0kqabvssNMYwo7Ib7aCE/s1600/1i0vh0.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="576" data-original-width="720" height="256" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOmC0cn8qTFeMK37KWCcahcOmqpAre81Ue9UwaBxFIgnwrmJ2Rc7x1xX8uo5zv2g0epKXFJmMleNIuPpbceIwm7oP9km7KCsOmSkdblcNEKipRGw4es4vIyWp0kqabvssNMYwo7Ib7aCE/s1600/1i0vh0.jpg" width="320" /></a></div>
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One of the more enduring cultures of highlighting how local dramas tend to "eat medicine" and using this line on one another in EDMW if his opinions differ from the rest. You will love the humour as they whack government officials, celebrities etc.<br />
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Well, hope these forums will bring you joy and fun when you are stressed or while travelling to work. Don't get sucked up mindlessly surfing and get your work productivity wrecked. Have fun!Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-16208141009857799372019-05-17T18:55:00.003+08:002019-05-17T18:57:27.952+08:00Insurance 101 in Singapore<h3>
What is insurance?</h3>
Protection Money paid. You go temple (or church, or mosque) and you donate a sum of money monthly.<br />
If nothing happens, the money is gone.<br />
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<h3>
What is TPD (total permanent disability)?</h3>
<ol>
<li>Take a brown paper bag.</li>
<li>Throw in 2 arms 2 legs and 2 eyes into the brown paper bag.</li>
<li>Give it a good shake.</li>
<li>Take any 2 out of the paper bag.</li>
</ol>
<div>
Any two, and you are considered TPD, total and permanently disabled.</div>
<div>
<br /></div>
<h3>
What is insurance endowment plans?</h3>
<div>
Money given to a big boy who take your money and buys term protection for your life and then give the rest to buy stocks. He earns from the stock, and return you a little money and expect you to be happy about it.</div>
<div>
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<a href="https://3.bp.blogspot.com/PTRMPJc5txBXA-pTy8C4VwJ_rkrMTvLOCs7i1JVUn9C5wixWcJuVNcGj1HcaqrhZvn05tbnWBAHj08s8t5Md3beni3O9nwTaRbOKJUT27jTXtxj9MqfeOY-PomfY8bWfi3oVQCmDIAXFSTqid7mkItaNI5ZA3FJyDIBJ7DQchhZetvRuWEtmD-jVYiXArPQqx_bagSCJybZifWaY-iy7PsX6wQq8sGB7SpDzkIbxBlODc9w9EMCCA7ncIdGEqImg54xgmeVhvW2NpYq1WEfUtWgLSMJe3PXTOcQ1mh0FINn38AqBd03tV0za9lm2Kus0izuYcQZx78nAwzz1tENa63sJG-ERVxbKjVJjAtVWS1PmGuoz6F8I1Tljq_BetZLSyBfz4lGWz_bbFctyRtIDjw8OS9nNC3Dx4BdpTnwX24mTAzaie_kuxcu-Q1yJUqHhxrKcUUMfZRfTX_NcLe5VgMXfUZ61u3-xmwdUoHfM9ayk36aDvI7aGAX33lQDlPVnbSxcJeAjUPhe_e1xie7CjFNfFdGd6aR777ZlNLOvoiCpqxshY9amMPCTLr6j8Nv_oAiJHAud23X7MpHR-Ic2HN8-oWlln2I3NFUVThgBsAl4hs5SEOfevAxRb7hy0dixC-gzcTmGXKD_Vedp7i-r8q4VhvEMAOMG=w1250-h937-no" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="937" data-original-width="1249" height="240" src="https://3.bp.blogspot.com/PTRMPJc5txBXA-pTy8C4VwJ_rkrMTvLOCs7i1JVUn9C5wixWcJuVNcGj1HcaqrhZvn05tbnWBAHj08s8t5Md3beni3O9nwTaRbOKJUT27jTXtxj9MqfeOY-PomfY8bWfi3oVQCmDIAXFSTqid7mkItaNI5ZA3FJyDIBJ7DQchhZetvRuWEtmD-jVYiXArPQqx_bagSCJybZifWaY-iy7PsX6wQq8sGB7SpDzkIbxBlODc9w9EMCCA7ncIdGEqImg54xgmeVhvW2NpYq1WEfUtWgLSMJe3PXTOcQ1mh0FINn38AqBd03tV0za9lm2Kus0izuYcQZx78nAwzz1tENa63sJG-ERVxbKjVJjAtVWS1PmGuoz6F8I1Tljq_BetZLSyBfz4lGWz_bbFctyRtIDjw8OS9nNC3Dx4BdpTnwX24mTAzaie_kuxcu-Q1yJUqHhxrKcUUMfZRfTX_NcLe5VgMXfUZ61u3-xmwdUoHfM9ayk36aDvI7aGAX33lQDlPVnbSxcJeAjUPhe_e1xie7CjFNfFdGd6aR777ZlNLOvoiCpqxshY9amMPCTLr6j8Nv_oAiJHAud23X7MpHR-Ic2HN8-oWlln2I3NFUVThgBsAl4hs5SEOfevAxRb7hy0dixC-gzcTmGXKD_Vedp7i-r8q4VhvEMAOMG=w1250-h937-no" width="320" /></a></div>
<br /></div>
<div>
So its like compulsory savings, but with a big chunk to the salesman.</div>
<h3>
What is the best way for buying insurance?</h3>
<div>
<ol>
<li>Buy hospital insurance. (if you are singaporean, get a good private medishield plan from insurers using your CPF Medisave money)</li>
<li>Buy some critical illness.</li>
<li>If you have parents or children who depends on your salary, buy some term on your life.</li>
<li>Buy some personal accident plan</li>
<li>Do NOT buy any endowment nor life insurance plans. They are wasting your money.</li>
<li>Take the money saved and buy stocks, or if you do not know how, go buy stock ETF. </li>
<li>Google for stock ETF.</li>
<li>Go Robo investor= StashAway, MoneyOwl, etc etc</li>
</ol>
<h4>
Where do I buy personal accident plans?</h4>
</div>
<div>
NOT from life insurance companies like AIA, Prudential, Great Eastern, NTUC Income, manulife, AXA, etc.</div>
<div>
<br /></div>
<div>
Buy from a general insurer, where the personal accident plans are so much cheaper. Its the same general insurers that handle insurance for motor cars, travel insurance, home content insurance etc.</div>
<div>
<a href="https://hmconsultancy.com.sg/personal-accident-covered-benefits-necessary/">What is personal accident and what is covered?</a></div>
<div>
<br /></div>
<h3>
So should I buy whole life plans or endowment plans?</h3>
<div>
<br /></div>
<div>
No. you have not been reading well.</div>
<div>
Buy term plans (only protection with no cash value) and invest the difference in ETF or robo-advisors funds.</div>
<div>
Do NOT buy whole life or endowment from insurance companies.</div>
<div>
<br /></div>
<div>
Should I buy any ILP or Investment linked Plans from my insurance agents?</div>
<div>
<br /></div>
<div>
If any agents recommend you ILP, stay away from them.</div>
<div>
These plans are the worst in terms of charges, and has the highest commission for the agents.</div>
<div>
Google them. ILP are the worst villains of this industry. </div>
<div>
<br /></div>
<div>
Any agents who promote them are considering their very high commission level.</div>
<div>
<br /></div>
Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-91112043531170457812019-05-17T18:41:00.001+08:002019-05-17T18:41:16.435+08:00Maldives and my sore feetjust back from the Maldive beaches.<br />
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<a href="https://3.bp.blogspot.com/z9NXA29J7nQj-8CIE6sFkcZExG8h8yi8zxSJd1nHarH_BQax8ktRIsseL1kjWQzKh2d9Fm6dC5cgza3FCF1TY57lXrw0Ahxw4PEaJiLVvc9gy-hVGpYK_zRgJt93WiVSYD-dSB-MoTOrW06EnXfG1Xi9sTCB-mNN_nPpOgGl4UeuTyXiRjZv_stDiH1BFOf6qvr4jPgRsRQry8k_Nm_Qy67gWdUb2DX9Vyw3XYLlUHBvcG2qqSLmTyY4HVfP-QYShAyT84SoZNsOXq8_awe-bFcI0r5eTsT4oomLMVOS6yhF8_RTLGaBv2cmY9QMTyab5mmbaSFSawnXiucGaVGJSkWBGOnxI4Fwjns1PMI5DJHnFDBtojmT6UhYZAdjGHos1VruvSDaI2PAxRhcn-bITtVp1TyIrODx9GZqCALggUT1x6Oh0X3q8gwVUgvp7bbne5tlvyBAVPMOGZf554jI27SrMeedi8D9sNT1ez3D8A9jx70J5h-fgjozr1GK0v_xZag4pAQLQ4P_c88s-6LXCwuyQZDekk1YLz2RrSULpkvirwlds4Vo_feopPJ0jhRwE1_iItwfx4Ixah_pbz-j_kyTjZwBBSWIJlLDbd2T2dYCc7Y0M42k1Q8BkJG3xqplDtZOvScTL4R2_vFVO33_OPHR8jL_9j8d=w1184-h888-no" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://3.bp.blogspot.com/z9NXA29J7nQj-8CIE6sFkcZExG8h8yi8zxSJd1nHarH_BQax8ktRIsseL1kjWQzKh2d9Fm6dC5cgza3FCF1TY57lXrw0Ahxw4PEaJiLVvc9gy-hVGpYK_zRgJt93WiVSYD-dSB-MoTOrW06EnXfG1Xi9sTCB-mNN_nPpOgGl4UeuTyXiRjZv_stDiH1BFOf6qvr4jPgRsRQry8k_Nm_Qy67gWdUb2DX9Vyw3XYLlUHBvcG2qqSLmTyY4HVfP-QYShAyT84SoZNsOXq8_awe-bFcI0r5eTsT4oomLMVOS6yhF8_RTLGaBv2cmY9QMTyab5mmbaSFSawnXiucGaVGJSkWBGOnxI4Fwjns1PMI5DJHnFDBtojmT6UhYZAdjGHos1VruvSDaI2PAxRhcn-bITtVp1TyIrODx9GZqCALggUT1x6Oh0X3q8gwVUgvp7bbne5tlvyBAVPMOGZf554jI27SrMeedi8D9sNT1ez3D8A9jx70J5h-fgjozr1GK0v_xZag4pAQLQ4P_c88s-6LXCwuyQZDekk1YLz2RrSULpkvirwlds4Vo_feopPJ0jhRwE1_iItwfx4Ixah_pbz-j_kyTjZwBBSWIJlLDbd2T2dYCc7Y0M42k1Q8BkJG3xqplDtZOvScTL4R2_vFVO33_OPHR8jL_9j8d=w1184-h888-no" width="320" /></a></div>
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and oh boy. I have lots of cuts in my feet and legs. cut from snorkeling, from walking along the beach.... the beach is not exactly pure white sand.<br />
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<a href="https://2.bp.blogspot.com/dA6c5aVjyxIZIRQVbiWWrFxxSZjxk4_D0d3LKBzwghDwzaLzCs57w16nIRJHqBVRthcowpOAcEY6ZnEnY4byaqZkRY-40c1wIlC4Phz7VMX21vz8ccqkKFgWxsNR14rceaBlqka28lwQ0PsINKUMKU6dFSdm5uwruMge8SV-5QBaKiUb3BwL6HUEaU9p8jQCPezCPiT4KAyHfcB2Qxd15m0Rxni0h9Os8Z2JOsFixSpgygPW3xnPnHajRuwSwB0Mg4XFGpr1gNrPXg5cgEJu3YE1KQ_tbr0fUnwNQaMHk-2_8B8wNJqJjPAqjLQPkNtuFB6yJ-OGeRCElHN1WAnJHqjaaSkdvoog4YqfdWv-1jvMVaRZH75sU9IkeXcAj8NImDpY3lS4W6osWpNQ5BHttGubdyT2ZtXRyemI4mH6Xs0SNxnXdGnD1V0bHnt5p2Q8dH-AxDVKQ6yXW4vMEbQ2BxTVmONFl7ABye0aKLEdl-B0-jrG4G1pmpRitgZHlPzSRD7C2i5IJp5jKQ43LQPzALNjyY93F5BRXuoeeJMFBtmsYxmkKNaNSArbnqKz7C-AF1JtPLZ8UwHJ42ND1cUOf6IVOduqbUKsh9uD95DvJzxaGq9Q0UqM1RZkuwNNDRgJwLMyQIZ_LuCDaZqc21L6wvNdI9sC8QnA=w1184-h888-no" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://2.bp.blogspot.com/dA6c5aVjyxIZIRQVbiWWrFxxSZjxk4_D0d3LKBzwghDwzaLzCs57w16nIRJHqBVRthcowpOAcEY6ZnEnY4byaqZkRY-40c1wIlC4Phz7VMX21vz8ccqkKFgWxsNR14rceaBlqka28lwQ0PsINKUMKU6dFSdm5uwruMge8SV-5QBaKiUb3BwL6HUEaU9p8jQCPezCPiT4KAyHfcB2Qxd15m0Rxni0h9Os8Z2JOsFixSpgygPW3xnPnHajRuwSwB0Mg4XFGpr1gNrPXg5cgEJu3YE1KQ_tbr0fUnwNQaMHk-2_8B8wNJqJjPAqjLQPkNtuFB6yJ-OGeRCElHN1WAnJHqjaaSkdvoog4YqfdWv-1jvMVaRZH75sU9IkeXcAj8NImDpY3lS4W6osWpNQ5BHttGubdyT2ZtXRyemI4mH6Xs0SNxnXdGnD1V0bHnt5p2Q8dH-AxDVKQ6yXW4vMEbQ2BxTVmONFl7ABye0aKLEdl-B0-jrG4G1pmpRitgZHlPzSRD7C2i5IJp5jKQ43LQPzALNjyY93F5BRXuoeeJMFBtmsYxmkKNaNSArbnqKz7C-AF1JtPLZ8UwHJ42ND1cUOf6IVOduqbUKsh9uD95DvJzxaGq9Q0UqM1RZkuwNNDRgJwLMyQIZ_LuCDaZqc21L6wvNdI9sC8QnA=w1184-h888-no" width="320" /></a></div>
<br />
<br />
but mostly from stumbling on the rocks just in front of my room.<br />
heehee.<br />
<br />
<br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/Nbpf-jUBPeK_1ZQo7i7gIZOTC300UrUNaGUyT4xdujskDrU8RDvL8oCuxUbfaKTF1no-LJBv0n1u6guW1DTJWC3ep77A9RCy2R1ddQKCVeolLtYZUFSMHkUFHnJyI3BbiRi24CgQcJ22NiaOl-nhtx3a47DiqqUtYVu94KFrN3gAl6Egwt8SIay6rESos2YVK18Jyb91fk1NHWDnSD1C1bTqzs7tyASXBNhzyLl13amIndX-10gy1EVJhSMy4JEovz0Xy91OBUFg7nOSe5Zf5DjS1XkFpO1Btz56AQqNqJIVQKPXUlII-rUrhDVFWt8R5mDPM5l0iaeNQ8Kwm2pHqd17sJ6u423DMP_qBS7hTvToE29plsyAQxD8-ww7_DQ1jIZHxLyHUuujPr-DIuuPLcl0UvEt9bIAvZIC9Ir1f9CjHbrTBt6gtBNuTw5SmUvAO2AM-7OwWFRt2eeNaUJTIVfTQwj4sIiVwTjD6T_S0fNYLpAMWoJs_r_afrBe4mvMOg-K9mEx44o2o3PJCKlvTCcDWywLHSoYbqhOTPixZIlGQbPPcR-2JvOynDw9NOt9_s_QYo7fA3jPsv3xhjqIQcUK55tUFaEka0QhHMPXriVAMkEfOuNte2VOjcB7fmDAn3uOSAmgleWB0ZR7s5s1VhNTXffW7CFU=w1184-h888-no" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://1.bp.blogspot.com/Nbpf-jUBPeK_1ZQo7i7gIZOTC300UrUNaGUyT4xdujskDrU8RDvL8oCuxUbfaKTF1no-LJBv0n1u6guW1DTJWC3ep77A9RCy2R1ddQKCVeolLtYZUFSMHkUFHnJyI3BbiRi24CgQcJ22NiaOl-nhtx3a47DiqqUtYVu94KFrN3gAl6Egwt8SIay6rESos2YVK18Jyb91fk1NHWDnSD1C1bTqzs7tyASXBNhzyLl13amIndX-10gy1EVJhSMy4JEovz0Xy91OBUFg7nOSe5Zf5DjS1XkFpO1Btz56AQqNqJIVQKPXUlII-rUrhDVFWt8R5mDPM5l0iaeNQ8Kwm2pHqd17sJ6u423DMP_qBS7hTvToE29plsyAQxD8-ww7_DQ1jIZHxLyHUuujPr-DIuuPLcl0UvEt9bIAvZIC9Ir1f9CjHbrTBt6gtBNuTw5SmUvAO2AM-7OwWFRt2eeNaUJTIVfTQwj4sIiVwTjD6T_S0fNYLpAMWoJs_r_afrBe4mvMOg-K9mEx44o2o3PJCKlvTCcDWywLHSoYbqhOTPixZIlGQbPPcR-2JvOynDw9NOt9_s_QYo7fA3jPsv3xhjqIQcUK55tUFaEka0QhHMPXriVAMkEfOuNte2VOjcB7fmDAn3uOSAmgleWB0ZR7s5s1VhNTXffW7CFU=w1184-h888-no" width="320" /></a></div>
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<br />
<h3>
Foot Spa for my feet?</h3>
I was wondering my feet is so painful and toughened from the barefooted walking and thinking and pondering on getting these <a href="https://lazy-monk.com/product/foot-peel-mask/">foot peel masks in America</a>. (click on the link to see what i mean)<br />
Hows that? :D<br />
<br />
anyone tried foot spa for your tired feet?<br />
<br />
i believe its those type of foot care exfoliating masks that help to peel off the hardened layer skin. lol sounds painful.<br />
<br />
btw, these stingrays are really cute seeing from far.<br />
<a href="https://photos.google.com/photo/AF1QipNoZNVDbV6icWon6pHELIY82AcnzLcDa7egLhvx">https://photos.app.goo.gl/UBeXjoLHja2wXVDB9</a><br />
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<a href="https://2.bp.blogspot.com/6lmkSIM3oi5I5NyX4LVeq13IUXNdblAzxBSTEkIiH15Jx2Pg85M3GBiPMNjk5cqnNY5en0VuLzk8BDdiIVFj-M05KWxicJ7yjKZkXt8cYWHIeI2ugyIPqwdXMgYk8MUD7IQKJ44G77OYzspFxl5WAsasvibYTdqNzFDJsmualUI3ecDSTRnQmUKnYCE0rXv1BLkWhAZrmZ6oU7t0YI2QrQ-oYl8KHhILHT7Q_mRSYUsg4YgnVA0tMXI8HatCRoRoeZijFe5LgqsZpirSrgO5OjfHbIuX-9qJE8srqZYqh1ahspaXTD4vi77jd70klPoGy0sYU8nZWz25450vw45CmxeTlaBozbrHOJwvVQ-VWyhZUA12JUT4f-gb3DM16AVRWDqDEBSwScSYP5TgGMKBWtpNvP1bpuVrQ1BG9vOqpNq7RxZRPbTlrcP9SMqPhpC_lmJPHxI3UB0WllylzpMTNpt8nRvxdeUFsAJxq4L_lMn5fhL3l0caeI6dR7taaaG1bYIgPoOT6xZlq2K2a_7T7SB9KUxPL421Rg7MbgTqFrUOSArktHPgMs1T9vEJq9K_Tuzje4NBlRFfh2K75IUAdYON2JF70P_J3R20o90uCxg4MB5GQhXcbAZE6bKtxhkr6KnpHZVS9Kv9R3a62-rWkNizZd22Pj4n=w1250-h937-no" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="937" data-original-width="1249" height="240" src="https://2.bp.blogspot.com/6lmkSIM3oi5I5NyX4LVeq13IUXNdblAzxBSTEkIiH15Jx2Pg85M3GBiPMNjk5cqnNY5en0VuLzk8BDdiIVFj-M05KWxicJ7yjKZkXt8cYWHIeI2ugyIPqwdXMgYk8MUD7IQKJ44G77OYzspFxl5WAsasvibYTdqNzFDJsmualUI3ecDSTRnQmUKnYCE0rXv1BLkWhAZrmZ6oU7t0YI2QrQ-oYl8KHhILHT7Q_mRSYUsg4YgnVA0tMXI8HatCRoRoeZijFe5LgqsZpirSrgO5OjfHbIuX-9qJE8srqZYqh1ahspaXTD4vi77jd70klPoGy0sYU8nZWz25450vw45CmxeTlaBozbrHOJwvVQ-VWyhZUA12JUT4f-gb3DM16AVRWDqDEBSwScSYP5TgGMKBWtpNvP1bpuVrQ1BG9vOqpNq7RxZRPbTlrcP9SMqPhpC_lmJPHxI3UB0WllylzpMTNpt8nRvxdeUFsAJxq4L_lMn5fhL3l0caeI6dR7taaaG1bYIgPoOT6xZlq2K2a_7T7SB9KUxPL421Rg7MbgTqFrUOSArktHPgMs1T9vEJq9K_Tuzje4NBlRFfh2K75IUAdYON2JF70P_J3R20o90uCxg4MB5GQhXcbAZE6bKtxhkr6KnpHZVS9Kv9R3a62-rWkNizZd22Pj4n=w1250-h937-no" width="320" /></a></div>
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and yes, Baby Shark... do do dooo.....<br />
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<a href="https://3.bp.blogspot.com/pkVnKELrLddT-uPSQpEc2PdRjTWm0Lg5_bMh_7zpwTh-S40o0IpXkNLkLbPTYX_h5GmGVg4f2fUW2_hCFjl_uQGUa4PjvbEawEV7oaI65OwjKuVKY65QxTw4qUZShNxQvxJ97lC7RmDzeb0FmI05lQWNAj9Wv2o12k-2bhub5Vt8fOyNfSyRrbsfpJCzZEdT1m2rXXT11fJqwMM4g1X3UKZLOEG7e9-dz9DyvvnhHhx6ig3bMPUtfNqLldEJj2k_vTKceDIRpjE_4PIchQU0XI1IMJb91DRrUe82rjNQgyyauVsd-vUGkJbGT95j1P3QV0ngtcE7V74oMN0zxDIB0C2NBIPVrFWD7dqD0J3hJr4YcEC1jkUsokBEFYszq1a1FqLmaNIUEs78zBSgmcqQoC7KLipl1YZ7IQV_JTAX9zlIpd3OF0uSrjz8UbgN22BddX64qmaNc5W-Xh4Ca-ZtyndP8_gXANhfzrjRVmrY01hjFT-Wxwf1KNVtv7VMm2xccaErmoH7hReK5QZ3wPFANqADBXtZzZkmIFLa0VlKF0boudK9c30v5FIkNI1L3BfutGvVKzq2y-QqPr55aZVw3_zS9f_5ZEOz2YpASXFJLjOsXiySRH3ThiFUf-I_sxAhXtzTHbcXkGpaGYp6v0A0rAAbcbbetpa8=w1250-h937-no" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="937" data-original-width="1249" height="240" src="https://3.bp.blogspot.com/pkVnKELrLddT-uPSQpEc2PdRjTWm0Lg5_bMh_7zpwTh-S40o0IpXkNLkLbPTYX_h5GmGVg4f2fUW2_hCFjl_uQGUa4PjvbEawEV7oaI65OwjKuVKY65QxTw4qUZShNxQvxJ97lC7RmDzeb0FmI05lQWNAj9Wv2o12k-2bhub5Vt8fOyNfSyRrbsfpJCzZEdT1m2rXXT11fJqwMM4g1X3UKZLOEG7e9-dz9DyvvnhHhx6ig3bMPUtfNqLldEJj2k_vTKceDIRpjE_4PIchQU0XI1IMJb91DRrUe82rjNQgyyauVsd-vUGkJbGT95j1P3QV0ngtcE7V74oMN0zxDIB0C2NBIPVrFWD7dqD0J3hJr4YcEC1jkUsokBEFYszq1a1FqLmaNIUEs78zBSgmcqQoC7KLipl1YZ7IQV_JTAX9zlIpd3OF0uSrjz8UbgN22BddX64qmaNc5W-Xh4Ca-ZtyndP8_gXANhfzrjRVmrY01hjFT-Wxwf1KNVtv7VMm2xccaErmoH7hReK5QZ3wPFANqADBXtZzZkmIFLa0VlKF0boudK9c30v5FIkNI1L3BfutGvVKzq2y-QqPr55aZVw3_zS9f_5ZEOz2YpASXFJLjOsXiySRH3ThiFUf-I_sxAhXtzTHbcXkGpaGYp6v0A0rAAbcbbetpa8=w1250-h937-no" width="320" /></a></div>
<br />Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-75930630747637383992019-01-29T17:50:00.000+08:002019-05-17T18:27:24.437+08:00Private Post for Bloggers Jan 2019<br /><br />For all instagram influencers and bloggers who love to review products (and receive these products for free) <br /><br />Even if you are not Singaporeans, it is alright, I can pay for shipping, and courier these goods to your address.<br /><br /><br />I will recommend these items if you want to do reviews. At least 1 from HoneyCity<br />
Quinoa = anchor word:- <a href="https://honeycity.com.sg/product-category/seeds-and-nuts/" target="_blank">Quinoa</a><br />
Chia Seed = anchor word- <a href="https://honeycity.com.sg/product-category/seeds-and-nuts/" target="_blank">Chia Seed</a><br />
Honey = anchor word- <a href="https://honeycity.com.sg/" target="_blank">Honey in Singapore</a><br />
<span style="background-color: white; color: #4b4b4b; font-family: "segoe ui" , "helvetica neue" , "helvetica" , "lucida grande" , "arial" , "ubuntu" , "cantarell" , "fira sans" , sans-serif; font-size: 15px; white-space: pre-wrap;">Vit C <span style="color: black; font-family: "times new roman"; font-size: small; white-space: normal;">= anchor word-</span> </span><a href="https://honeycity.com.sg/why-you-should-eat-vitamin-c/" target="_blank">Why you should eat Vitamin C?</a><br />
<span style="background-color: white; color: #4b4b4b; font-family: "segoe ui" , "helvetica neue" , "helvetica" , "lucida grande" , "arial" , "ubuntu" , "cantarell" , "fira sans" , sans-serif; font-size: 15px; white-space: pre-wrap;">Aloe Vera </span>= anchor word-<span style="background-color: white; color: #4b4b4b; font-family: "segoe ui" , "helvetica neue" , "helvetica" , "lucida grande" , "arial" , "ubuntu" , "cantarell" , "fira sans" , sans-serif; font-size: 15px; white-space: pre-wrap;"> </span><a href="https://honeycity.com.sg/product/cantley-lifecare-aloevite-aloe-vera-with-vitamin-e/">Aloe Vera Vitamin E for skincare</a><br />
<br />
At least 1 from SeniorCare<br />
Fish Oil = anchor word- <a href="https://seniorcare.com.sg/shop/nutrition/cantley-lifecare-triocare-triple-omega-3-6-9-with-flaxseed-oil-fish-and-evening-1000mg/" target="_blank">Fish Oils Omega 3-6-9 Flaxseeds and Evenings</a><br />
Glucosamine = anchor word- <a href="https://seniorcare.com.sg/shop/nutrition/made-usa-cantley-lifecare-jointcare-glucosamine-chondroitin-60-tablets/" target="_blank">Glucosamine Chondroitin Supplements</a><br />
Cantley Wet Wipes = anchor word- <a href="https://seniorcare.com.sg/benefits-of-using-wet-wipes-when-cleaning-for-your-loved-ones/">Wet wipes vs Toilet Papers</a><br />
<br /><br /><br /><br /><br />If you have other items in mind for reviews, maybe some other items from the websites do drop me an email cedricsoh@gmail dot com or WhatsApp me if you know me directly.<div>
<br /></div>
<div>
I have lots of ecommerce websites in USA too, will be happier if you are an American and able to use Prime Shipping. </div>
<div>
<br /></div>
<div>
Have lots of fun to all bloggers and IG influencers!</div>
Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-50638802844333045622018-09-20T15:24:00.000+08:002018-09-20T15:24:30.194+08:00Comparing Rehabmart, DNR to SeniorCareRehab Mart was my go-to place for milk feed such as Ensure plus, adult diapers and wheelchairs but I have compared it with SeniorCare.com.sg and mostly buying from instead now. Their free delivery was the best deal for me because these Ensure Plus milk from abbott are so heavy!<br />
<br />
My uncle suffered from cancers for more than a decade.<br />
Not just 1 type of cancer, but different type of cancers in his various part of his body.<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicLJ5-IxeR6XG5B6q5D5bU71oiRRQuIOjKn74ugquObQV71tmahnfNueuVDysdFegkso9Xh-V6O3QZFmBGXkrpwJrFLbtviiylUpt4zujVoGLXM1t4INBPWfd1phoY0AZy29BuX5fWu9Fe/s1600/Ensure+Plus+Milk+Vanilla+Chocolate+Strawberry.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicLJ5-IxeR6XG5B6q5D5bU71oiRRQuIOjKn74ugquObQV71tmahnfNueuVDysdFegkso9Xh-V6O3QZFmBGXkrpwJrFLbtviiylUpt4zujVoGLXM1t4INBPWfd1phoY0AZy29BuX5fWu9Fe/s320/Ensure+Plus+Milk+Vanilla+Chocolate+Strawberry.jpg" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">ensure plusmilk vanilla strawberry chocolate</td></tr>
</tbody></table>
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That is why they said once you get cancer once, your body is prone to other cancer.<br />
<br />
Stomach cancer, throat cancer, etc etc.<br />
<br />
He could not eat food for more than 10 years. He has to use feeding tubes and pour Ensure Plus or Ensure Liquid Vanilla via a tube to his stomach. Propass, Jevity and Glucerna, I think we tried them all.<br />
<br />
We were using Tong Hai department store before finding delivery services by Rehab Mart and DNR wheels. The prices were quite competitive and services were great. We do know that business competition helps consumers a lot. We were referred by a nurse in a hospital on a new startup, http://seniorcare.com.sg that they were selling Abbott and Nestle milk nutrient feed for much lower prices to elderly in Singapore.<br />
<br />
We checked and indeed, not all, but quite a large number of their products is the lowest price in Singapore. At most I was wary as I do not want my Uncle to drink parallel imported milk from Malaysia or Indonesia (as many baby milk formula or adult milk for sick and elderly people were sold in Singapore online but actually sourced from nearby countries).<br />
However, I called them and were assured by them that their products are from local distributors, just that they go with low margin high volume business.<br />
<br />
Delivery was free if you buy above $150 for different products. At my first purchase, I bought $150 worth of products and was given free delivery, they promised my delivery will be sent within 3-5 working days, but to my surprise, I received it just 2 days later.<br />
<br />
After purchase, I even receive emails as follow up and was awarded extra points from their system. Apparently, the points can be used as credit to reduce costs. So that is a big plus point for me. More importantly, the email asked about my experience and for feedbacks, it gives out $100 SGD worth of points every month for the best customer's feedback that improves their system.<br />
<br />
I was too lazy to write too long so I don't think I win anything. LOL.<br />
<br />
Their services are quick and friendly. Kudos to the lady staff that answered my sensitive questions...<br />
<br />
I do not earn any referral fees from them nor am I paid by them to do this blogpost. I just feel that they are quick friendly service and delivery was free when I spent enough to qualify, and they value me as a customer. It is easy to qualify when you just mix the Ensure products with adult Tena diapers.<br />
<br />
so yah thanks to them for their <a href="http://seniorcare.com.sg/">Elderly Products for Singaporeans</a>!<br />
<br />Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-3828145390816621092018-02-07T15:02:00.003+08:002018-02-07T15:39:37.401+08:00How to get MyEtherWallet for ICO, airdrops, bounty free tokensTo participate in ICOs, to get free airdrops or bounty of ICO coins, you need ETH (which can be bought with USD) and an exchange wallet for them to deposit the coins.<br />
You would need a ERC-20 token friendly exchange wallet - MyEtherWallet<br />
<br />
<h3>
What is MyEtherWallet ERC20?</h3>
<br />
Think of MyEtherWallet or MEW as a digital wallet on the blockchain where you holding the private key is the only one able to peer into your digital wallet and take coins away.<br />
The public address is the address given to other people to deposit coins for you.<br />
<b>In other ways, the Private Key is like an ATM Card. The Public Address is like a bank account number.</b><br />
<br />
<h3>
Create a ERC20 MyEtherWallet for ICO and airdrops</h3>
<br />
<h4>
Step 1 Create a password for MEW</h4>
<br />
Please visit https://www.myetherwallet.com/<br />
Please check the URL on your browser, make sure it is https:// and that at the address bar you see a LOCK symbol and the name MYETHERWALLET LLC [US]<br />
This is to prevent malicious hackers bringing you to phishing scam site to steal your Private Key to steal your wallet.<br />
<br />
You will see this screen, create your password and continue<br />
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<a href="https://c1.staticflickr.com/5/4654/26254954238_b56d4fa257_b.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="412" data-original-width="800" height="329" src="https://c1.staticflickr.com/5/4654/26254954238_b56d4fa257_b.jpg" width="640" /></a></div>
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<h4>
Step 2 - Download a keystore file, it is like a key to your safe</h4>
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Once your password is set, it will ask you download a KEYSTORE file.<br />
Keep the file safely.<br />
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As noted, the keystore CANNOT be recovered if you lose it. Secure it like a million bucks.<br />
Save it, you do not need to open it for now (unless in Step 5, you using this to access your wallet public address)<br />
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Once you press "I understand. Continue." you will be lead to a next screen where your private key is shown.<br />
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<h4>
Step 3 - Generate and Save your Private key to MEW</h4>
SAVE YOUR PRIVATE KEY. It is your key to the safe, without it, all your wealth in there would be gone.<br />
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For obvious reasons, my private key is censored with a blue bar. Remember to use COPY and paste function rather than typing it out. Copy and Paste has lesser chance of error than manually writing / typing it out.<br />
You may want to click Print Paper Wallet out. I will print it out via PDF and keep a copy for reference.<br />
Once done, Go ahead and "Save Your Address"<br />
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<h4>
Step 4 - Unlock your MEW to get a Public Address for others to deposit</h4>
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This is the most important part. To access your wallet, you would need a key to unlock.</div>
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To be safe, you can use a ledger wallet (2nd option), buy a ledger wallet (which is a hardware token) from a reputable seller (such as <a href="https://pennywise.sg/">Ledger Wallet PennyWise.sg</a>)</div>
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This is one of the best secured method.</div>
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Use the instructions they lay out to use only your hardware to unlock your wallet.</div>
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If you currently do not have a hardware ledger wallet, you can choose "Private Key"</div>
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Private key is the least safe method, as someone can look at your laptop, or hack your laptop or phish you with a fake website, but it is the most convenient if you are careful enough to check and ensure your computer is secured.</div>
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Step 5 for using Private Key to unlock wallet</h4>
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As you can see, MyEtherWallet will asked you to be safe and ensure the url is correct, and do not click on any website link sent via email or programs. Stick to manually typing or bookmarked sites. Do remember to check https:// and MYETHERWALLET LLC in ur.</div>
Do note for spelling as hackers may trick with a similar spelling with 1 or 2 wrong character registered domains or LLC.<br />
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In the box there, enter your private key that was generated for you in STEP 3.</div>
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When you enter your private key, and press the UNLOCK button, your public address would be displayed.</div>
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Scroll down for the whole public address and information.</div>
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This PUBLIC ADDRESS is the one you give to ICO companies and airdrops etc for them to deposit coins to you. This is public, you give to people for them to deposit.</div>
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For this wallet, I have done a 0.1 ETH deposit so you can see it in the example.</div>
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Do note, do NOT give out your private key! Private Key access allows the user to transfer away all the coins inside! Private key provides full access to the safe of your wealth.</div>
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And there you go, you would be able to access your wallet, which should have has 0 ETH and 0 everything.</div>
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For all airdrops, ICO bounty, deposits of ETH or coins, please give them the PUBLIC ADDRESS and keep the Private Key to yourself.</div>
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0xdb8826f6dF14d8AAc97f29598502F4e9e805128C is my wallet public address, this is where people and companies deposit coins for me on the blockchain.<br />
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Feel free to donate some ETH or other coins to me if you find this useful! =)</div>
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Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-64010358214716796182017-11-21T12:50:00.002+08:002018-02-06T23:24:01.641+08:00How to buy bitcoins or ether in SingaporeMany people are interested in buying bitcoins (BTC), ethereum (ETH), or other altcoins in Singapore. Fortunately buying bitcoins, ethereum and other altcoins can be very simple with USD (US dollars) or SGD (Singapore dollars).<br />
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(NOTE: Screenshots and graphic will be posted in the next week, give me some time to take proper screenshots)<br />
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There are many exchanges in the world where you can use your currency to buy bitcoins. Some established exchanges are<br />
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1) Bittrex<br />
2) Binance<br />
3) Kucoin<br />
4) CoinHako<br />
5) CoinBase<br />
6) Gemini<br />
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The list is not exhaustive, there are many exchanges out there. You can choose which exchanges you may be more familiar and feel safe with.<br />
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<h3>
Buy bitcoins and ether on Gemini</h3>
I use my Singapore bank to change my SGD to send USD to Gemini Exchange, buy bitcoins and ether. Instructions on how to do so is below, so that it is easy for you to follow and buy your bitcoin.<br />
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<h3>
Buy all other coins on Binance and Kucoins</h3>
For other alternative coins that are less mainstream, I will transfer bitcoins from my Gemini Exchange account to Binance and Kucoin to buy alt coins. I have a range of altcoins such as NEO, SYS, etc. Do your own due diligence.<br />
Scroll on the way down to see the advantages and problems with Binance and Kucoins.<br />
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<h3>
Singaporeans' preferred bitcoin exchange</h3>
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For convenience, Singaporeans may look to CoinHako and CoinBase for ease of transfer for SGD to buy their bitcoin or ether. They are easy to use.<br />
For savings, I prefer to use Gemini exchanges, it is easy and has one of the better exchange rates for bitcoins.<br />
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How to buy btc /eth on Gemini Exchange with SGD</h3>
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First, visit https://gemini.com to open a "Personal Account".<br />
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Account opening and verification takes 1-2 working days. They would require you to send in a recent photo of your passport, and a photo of you holding your passport, with your face visible, and holding a piece of paper with the date on it.<br />
It may sounds tedious but it takes me only 4 minutes or so with a camera phone.<br />
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Verification of your email, your passport and photo may seems overwhelming but it is fast and offers you much better security on your account. Bitcoins are on the internet, and all solid exchanges need to have high security against cyberfrauds and cyberhacking, as well as traditional crimes. Those photos, verification and passport copies go a long way to protect your bitcoin.<br />
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<h4>
Add a bank account</h4>
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Click "TRANSFER FUNDS" then "Deposit Into Exchange" then "USD (Wire Transfer)".<br />
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For first timers, they will ask you to enter your bank account.<br />
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Fill in your details as requested<br />
1) Name<br />
2) Checking or Savings Account (In Singapore terms, a checking account is a Current Account)<br />
3) Bank Account number<br />
4) Swift Number<br />
5) Deposit number (in USD)<br />
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You will receive an email with instructions. Follow the instructions on depositing USD into Gemini exchange.<br />
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Each transaction, you need to click TRANSFER FUNDS -> DEPOSIT INTO EXCHANGES to get a personalised individual memo code for you to paste into the bank remit instructions so that Gemini will credit your account with it.<br />
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<h4>
Depositing USD into Gemini to buy bitcoin</h4>
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You can remit money to Gemini's bank account via many ways<br />
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1) Remittance Agencies<br />
2) Banks<br />
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Remittance agencies to transfer USD</h4>
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Remittance agencies charge a small fees, but it is worthwhile as their exchange rates are some of the best, so you get more value for larger sum transfer. However they are more worthwhile when it comes to regional currencies like China Reminibi, Peso, Rupiah etc and not as low fees for USD to US banks. Remittance foreign exchange rates are the best. Remittance agencies are common at places with lots of foreign workers, such as Chinatown, Aljunied, Golden Miles etc.<br />
You have to physically visit these branches and pay cash or via NETS payment.<br />
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<h4>
Banks Transfer / Wire Transfer</h4>
Banks offer an easier solution online for those with internet banking. All Singapore banks and many foreign banks (I have done DBS, UOB, OCBC, SCB and MAYBANK) allow you to remit USD to an USA bank, so no issue at all. You just login to personal internet banking at all major bank portal and look for options to remit or transfer.<br />
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Personally I have used DBS Remit - there are no fees and the foreign exchange rates are reasonable. The transfer is same day and quite fast.<br />
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To transfer to Gemini, you need to fill in this at the remittance forms or the bank online form<br />
These details are correct as of 06 Feb 2018.<br />
Please double <b>check what is shown in Gemini Exchange </b>before making your transfer.<br />
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Recipient Name:<br />
Gemini Trust Company LLC<br />
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Address<br />
600 Third Avenue, 2nd Fl<br />
New York, NY 10016<br />
United States of America<br />
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Recipent bank- Choose "Other banks in United States"<br />
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SWIFT Code:<br />
PCBBUS66<br />
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Recipent Bank Account Number:<br />
1000808012<br />
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Clearing Code:<br />
322286803<br />
Please do write out your account information and unique letters assigned to your account in the "Remarks", "Memo" or "Instructions"<br />
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How long would it take to receive money in Gemini?</h3>
It will take roughly half a day to 2 working days. Do take into consideration any USA banking holidays. For example they may be celebrating Thanksgiving which is a normal working day in Singapore.<br />
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Other Coin Exchanges </h3>
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Binance </h3>
Binance is quite a relative new exchange and has the capacity to match buyers and sellers rapidly. They are based in Hong Kong, a financial and law abiding centre of Asia.<br />
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The fees is reasonable at 0.1% (if you use BNB to pay, you only fork 0.05%)<br />
The customer service is prompt and helpful, use Telegram app to speak to them.<br />
New alternate coins get listed on Binance fast, so you will can buy and sell the alt coins that caught your fancy.<br />
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The disadvantages is that they are relatively new, so their trading pairs of coins are limited. It will take a few months for them to have more trading pairs with different currencies and coins.<br />
Open your <a href="https://www.binance.com/?ref=11211509">Binance btc eth trading account here</a>.<br />
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<h3>
Kucoin</h3>
Kucoin is also based in Hong Kong (Looks like Singapore and Hongkong are vying to be the new financial center of cryptocurrencies in Asia), and is more new than Binance.<br />
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As the new player, they are more active in listing new coins and promoting them. Hence, there are 0% fee for listing of many new coins.<br />
The fees to buy is only 0.1%<br />
There is also a referral program where you can refer friends over and you get a little benefit.<br />
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The disadvantage is that being a new player, their trading pairs are small, and the servers are not sufficient, it tends to lag when traffic is high. Thankfully, they are increasing the servers and this problem will go away soon.<br />
Open your <a href="https://www.kucoin.com/#/?r=E4NDey">Kucoin btc eth trading account here</a><br />
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<h3>
Take bitcoin out of internet and put in your wallet</h3>
You can also add in security for your bitcoin by withdrawing bitcoin (or other digital coins) from the internet exchanges and keep it in a physical hardware wallet. This means that it is no longer available on the internet exchanges and the address is only available in a physical copy in your hardware wallet. This is the equivalent of withdrawing the cash from your bank account at the bank branch, and keeping it in your home safe.<br />
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<a href="https://i0.wp.com/pennywise.sg/wp-content/uploads/2017/03/ledger-nano-s-fold-large.png?w=600&ssl=1" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="370" data-original-width="600" height="197" src="https://i0.wp.com/pennywise.sg/wp-content/uploads/2017/03/ledger-nano-s-fold-large.png?w=600&ssl=1" width="320" /></a></div>
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For such physical hardware wallet for bitcoin, you can buy from <a href="https://pennywise.sg/shop/">Bitcoin hardware wallet Ledger Nano Shop</a><br />
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<h3>
Passive income mining bitcoins</h3>
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If you live in Singapore, Indonesia, Malaysia, Thailand, Vietnam, Laos or the Philippines (basically, south east asia) you may want to enjoy passive income by starting your own small mining farm.<br />
Get your own rigs, set it up in your home / office and start mining bitcoins. In return for processing transactions of bitcoins, you will get rewarded by the bitcoin ecosystems with bitcoins.<br />
You can do the same for ether, litecoin, neo, and other alternate coins.<br />
You can refer to <a href="http://www.miningsg.com/">Bitcoin Ether mining Rigs in Singapore</a><br />
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<h3>
Passive income from Loan Program</h3>
You can also earn passive income via a loan crowdsourcing program.<br />
Earn 3% per month, with insurance backing for 100% capital protection. This program is in Singapore and do let me know if you are able to visit the corporate office at The Sail, Marina Bay, Singapore for the explanation.<br />
There are 2 drawbacks to this loan program - at any time you want to exit the program, you need to have 4 weeks notice so that the money can be transferred to your local bank account.<br />
Secondly, as this is for accredited personals, the minimum sum is $20,000 SGD, not as low as mining rigs.<br />
For any details, please email me at cedricsoh@gmail.com<br />
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<br />Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-5951182589852081892017-11-04T23:23:00.004+08:002017-11-04T23:23:47.465+08:00Converting USA stocks to bitcoin, ether and cryptocurrenciesI have been making 5% per month off trading options, and making 3% per month passive income via a Singapore scheme.<br />
I have been happy with my monthly returns, until recently where I learnt of the explosive returns in cryptocurrencies such as bitcoins, ETH, NEO and etc where growth is hundreds % growth per month.<br />
I need to learn and master this.<br />
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I have decided to slowly shift my money from USA stocks to cryptocurrencies<br />
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This is at the start of Nov 2017. I still have a few weeks to end my Season playing, after which I will withdraw the bulk to focus in bitcoin and ether mining.<br />
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Meanwhile, here is some of my own mining at my warehouse.<br />
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Stay tuned as I update more on my bitcoin journey!Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-6152580300691983362017-02-14T13:55:00.000+08:002017-02-14T13:55:09.824+08:00Renovation of HDB MG Jumbo flat - 5 bedrooms 147sqm Post 3<a data-flickr-embed="true" href="https://www.flickr.com/photos/89003617@N00/23844704970/in/dateposted-public/" nbsp="" title="PhotoGrid_1451752175011"><img alt="PhotoGrid_1451752175011" height="640" src="https://farm6.staticflickr.com/5699/23844704970_d0034da188_z.jpg" width="640" /></a><script async="" charset="utf-8" src="//embedr.flickr.com/assets/client-code.js"></script><br />
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floor tiles are up. This is the lobby when you first enter our homes.</div>
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Living hall of the sub unit.<br />
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#1 Bedroom of the subunit</div>
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#2 bedroom of the sub unit<br />
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#2 bedroom of the sub unit</div>
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Living hall of the main unit</div>
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Kitchen of the sub unit</div>
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Kitchen of the main unit<script async="" charset="utf-8" src="//embedr.flickr.com/assets/client-code.js"></script></div>
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Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-71239854022620811282016-01-05T21:20:00.000+08:002016-01-05T21:20:38.381+08:00Renovation of HDB MG Jumbo flat - 5 bedrooms 147sqm Post 2Renovation of HDB MG flat - 5 bedroom units 147sqm<br />
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Let the hacking begin!<br />
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First we demolish the tiles.... The wall marked X are going to be demolished too...<br />
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The place is full of debris...<br />
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Feel guilty for creating so much construction waste.</div>
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Most of the walls are demolished...<br />
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The kitchen wall is finally demolished.<br />
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After cleaning up the debris<br />
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so much neater and cleaner with the debris removed.<br />
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Kitchen looks bigger without the walls.<br />
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And now, to build new walls and prepare for the tiling works....<br />
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The new wall is up... and the tiling materials are coming in.....<br />
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<script async="" charset="utf-8" src="//embedr.flickr.com/assets/client-code.js"></script>Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-48716773188260096672016-01-03T13:43:00.001+08:002016-01-03T13:46:34.876+08:00Renovation of HDB MG Jumbo flat - 5 bedrooms 147sqm Post 1A Simple Summary of the Renovation beginnings...<br />
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Day 1 - Let the demolition man begins!<br />
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Day 2 - More than halfway done<br />
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Walls are down, cleaning up begins....</div>
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The debris are removed...</div>
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Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-86051390093304153792015-10-18T15:17:00.001+08:002015-10-18T15:17:47.706+08:00Our wedding day videos<iframe allowfullscreen="" frameborder="0" height="360" src="https://www.youtube.com/embed/iOQXYIa7eNM" width="640"></iframe><br />
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Wahahhaa my wedding video!<br />
Good memories! =)<br />
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The solemnisation and the wedding dinner...<br />
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It is kinda fun getting married, just... damn expensive. lol<br />
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<iframe allowfullscreen="" frameborder="0" height="360" src="https://www.youtube.com/embed/G4-ZvjNtbkU" width="640"></iframe><br />
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And this is the proposal video.<br />
Wah.<br />
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<br />Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-65484808514594219412015-10-11T21:25:00.001+08:002015-10-12T08:26:02.863+08:00Facebook displays ads based on what you chat on WhatsappWell it seems that facebook has been browsing the conversations between your friends and you on whatsapp and blasting you with adverts that are relevant to you.<br />
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I am a non techy person who do not handle nor know tech words like web hosting, general assembly, UX / UI. but recently I was exposed to adverts on facebook to use "vodien"</div>
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Vodien is an internet web hosting company, something that I only learnt recently from a whatsapp group chat, where many tech people were discussing what web host services to use. I was just listening in the chat and was not even participating.</div>
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Beside the whatsapp chat, I have never heard and used this word anywhere.</div>
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Within 24 hours, I saw some adverts for Vodien in facebook</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpBQk3j44EF0Wk6mU7BVOuf_2dxT6jw6MXYlwnUMT_2Mx3UW0n_G8YmQWXKApn9sOkDfG8uSVxygCuj97lv9-MPFhvvn50_YfaBsoDDl2EI-xE5UA8cXK5TyCLuRkFi0VQqlzjzBWtY4xg/s1600/FB+Ad.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="322" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpBQk3j44EF0Wk6mU7BVOuf_2dxT6jw6MXYlwnUMT_2Mx3UW0n_G8YmQWXKApn9sOkDfG8uSVxygCuj97lv9-MPFhvvn50_YfaBsoDDl2EI-xE5UA8cXK5TyCLuRkFi0VQqlzjzBWtY4xg/s400/FB+Ad.jpg" width="400" /></a></div>
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And Yes, whatsapp is owned by Facebook, which paid USD $19 billion for it. I guess facebook has to start making money from it.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5R_Xa__Ql1fQqpUCJZ-EJDMNeMF51zrYu6ZA-9qSxQ3oXSkcg39PTV72yuobl7Do4_zSvLpMmR05UeU-Ny9GzkAvQ2U8yFuas0P1xekgtbnyR2EKudd4hVtMnsrtkuyKwQS0MPY5cKEHH/s1600/Facebook+Ads+from+whatsapp+1.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5R_Xa__Ql1fQqpUCJZ-EJDMNeMF51zrYu6ZA-9qSxQ3oXSkcg39PTV72yuobl7Do4_zSvLpMmR05UeU-Ny9GzkAvQ2U8yFuas0P1xekgtbnyR2EKudd4hVtMnsrtkuyKwQS0MPY5cKEHH/s640/Facebook+Ads+from+whatsapp+1.jpg" width="360" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">I have trollers as friends- Considering that they use facebook too, they were blasting all those words for mutual self-destruction.</td></tr>
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I was wondering if this may just be a weird coincidence, but after a day of chatting about UX / UI experience, one of the rare times I actually participated in such a technical conversation, I got these on my facebook adverts.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiomepHM5yQy-8O29Wz4Gzxw28AcIlvvd0qsWFm1KwvsPfWB75pfZWPsmU-k_wb6-9GMUypD0Hfugtrg2LUOOC4H_-szKuMm0uWDHeMvoza6xDdL8Ag8hXbGdt_JBQTDcAXra_2xBifhOTB/s1600/FB+Ad+1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiomepHM5yQy-8O29Wz4Gzxw28AcIlvvd0qsWFm1KwvsPfWB75pfZWPsmU-k_wb6-9GMUypD0Hfugtrg2LUOOC4H_-szKuMm0uWDHeMvoza6xDdL8Ag8hXbGdt_JBQTDcAXra_2xBifhOTB/s320/FB+Ad+1.jpg" width="237" /></a></div>
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Yup. Definitely not a coincidence.</div>
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Here is something for all to read... how all your info are leaked out...</div>
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<a href="http://www.indiatimes.com/lifestyle/technology/9-ways-facebook-google-and-whatsapp-are-leaking-all-your-information-244161.html">http://www.indiatimes.com/lifestyle/technology/9-ways-facebook-google-and-whatsapp-are-leaking-all-your-information-244161.html</a></div>
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Good luck protecting your privacy!</div>
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Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-70808154193729668852015-10-05T00:00:00.000+08:002015-10-05T00:00:02.555+08:00What is silver stacking?<h5 style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif;">
What is silver stacking?</h5>
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Silver Stacking (or Gold Stacking) is the habit of accumulating tangible assets, not intangible ones like paper certificates, in the forms of coins or bullions such as bars, rounds or ingots.</div>
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Generally bullions such as bar has less premium price, hence it is better value for money since you can also purchase a large bar for cost savings. If you can afford it, you can purchase a large bar monthly.</div>
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Coins are favoured usually because it can be smaller in weightage, and hence, easier to start stacking up. It is also preferred as when you wish to liquidate due to needs such as holidays or emergencies, you may not need to sell a large bullion but just a few coins.<br />
Also, coins can carry numismatic value which can be appreciated by collectors.</div>
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<dt class="wp-caption-dt" style="-webkit-user-drag: none;"><img alt="silver stacking in singapore" class="wp-image-688" data-mce-src="http://goldsilvercity.com.sg/wp-content/uploads/2014/09/22-2015-YearOfTheGoat-Silver-Bullion-FullSet-Coin-OnEdge-LowRes.png" src="http://goldsilvercity.com.sg/wp-content/uploads/2014/09/22-2015-YearOfTheGoat-Silver-Bullion-FullSet-Coin-OnEdge-LowRes.png" height="253" style="-webkit-user-drag: none; border: 0px none; margin: 0px; padding: 0px;" width="567" /></dt>
<dd class="wp-caption-dd" style="-webkit-user-drag: none; font-size: 11px; line-height: 17px; margin: 0px; padding: 0px 4px 5px;">there are lots of coins for collectors</dd></dl>
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Why would you want to stack silver?</h5>
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Firstly, silver stacking is an excellent hedge against inflation, just like gold. It increases in value as inflation reduce how much your dollar can buy. Secondly, both silver and gold possess an intrinsic store of value, which is the main reason why people wants to invest it it. It is this store of value that silver and gold is used as money in the past as well as demanded by national government reserves all over the world.</div>
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Also, both gold and especially silver has huge and increasing demands from industrial manufacturers, from our cars to mobile phone to solar panels and generators.</div>
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One huge reason for silver stacking is as an investment to profit or hedge against financial crisis. The Great Recession from 2008 has led to huge amount of printing money by the USA government, the Euro bank, and even Japan and China government. There is fear of a global financial currency crisis and peopleâs currency will lose tremendous value. In a global dollar collapse, hyperinflation will rear its ugly head out. A flight to safety will take root and people with real gold and silver physical holdings will benefit. This is especially so as current paper gold and silver trading is a few hundred times OVER the physical assets silver available. In a big crisis, these paper values may not hold water.</div>
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Silver stackers invest weekly or monthly in some form of silvers, knowing that they will profit and sleep well in troubled times. Silver and gold has dropped and stay flat, this is a great opportunity to invest and stack up. Stackers know that the fundamental demand for silver and gold is real, because we using so much iPad, solar panels, smartphones and etc, and yet the minesâ production has been lagging.</div>
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Silver Stacking means you buy what you can afford to keep for a raining day. If you just cut down on some luxury spending or gourmet coffee and buy 10oz a month instead, you will have 600oz saved up in 5 years. If silver price move from $17 to just a mere $25, you see an almost 50% increase in your portfolio.</div>
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Start silver stacking- <a data-mce-href="http://www.goldsilvercity.com.sg" href="http://www.goldsilvercity.com.sg/">www.goldsilvercity.com.sg</a> is proud to offer free delivery at no extra costs.</div>
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<span style="background-color: white; color: #666666; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; line-height: 28.8889px;">If you like gold or silver, go ahead and like </span><a href="http://www.facebook.com/goldsilvercitysg" style="color: #6699cc; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; line-height: 28.8889px; text-decoration: none;">www.facebook.com/goldsilvercitysg</a><span style="background-color: white; color: #666666; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; line-height: 28.8889px;"> to update for your own personal wealth portfolio. </span></div>
Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-19764914162281898812015-09-25T00:00:00.000+08:002015-09-25T00:00:10.593+08:00KettleBell ExercisesA Kettle bell is so useful to exercise!<br />
I have been reading up on many exercise techniques recently... need to exercise more to have a healthy body!<br />
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Kettle Up!!<br />
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<br />Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-56801866007636245632015-09-20T21:44:00.000+08:002015-09-20T21:44:32.857+08:00Why I tried 10 brands of Manuka honey for health?I love Manuka honey! I eat a teaspoon in the morning and a teaspoon just before I sleep for health benefits such as to boost my immunity.<br />
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I am not alone in doing that.<br />
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<a href="http://www.aptouring.com.au/~/media/aptouring/images/photogallerylarge/newzealand/new%20zealand_maori%20culture_apt_740_llr.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.aptouring.com.au/~/media/aptouring/images/photogallerylarge/newzealand/new%20zealand_maori%20culture_apt_740_llr.jpg" height="237" width="400" /></a></div>
Manuka honey has been used by the Maori community in New Zealand for centuries because of its incredible anti-bacterial and healing properties, and celebrities including Gwyneth Paltrow and Scarlett Johannson are said to be big fans.<br />
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âIt really adds an amazing glow and your skin is so soft afterwards. It pulls out the impuritiesâand itâs a nice foundation, especially if you are going to a big event where you want a great glow and you want to take that extra 15 minutes to do a treatment before you put your makeup on. It preps your skin in a really nice wayâ - Scarlett Johannson</div>
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I have not put honey on my face though.. LOL. I do use manuka honey based skincare though:- royal nectar face mask and lifting cream (can get it from <a href="http://www.qoo10.sg/shop/cherub">www.qoo10.sg/shop/cherub</a>)</div>
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Honey has been known for its special properties for thousands of years. And we have learnt that certain honeys from specific plants have a greater range of attributes than others, and the honey that comes from some varieties of the New Zealand Manuka bush (Leptospermum scoparium) is one of these.<br />
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Manuka honey is produced in New Zealand by bees that pollinate the native manuka bush.<br />
Advocates say it treats wound infections and other conditions.<br />
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I usually buy manuka honey that has at least UMF 10+, to treat illness such as sore throats, stomach disorder such as stomach ulcer. Scientific studies have shown that Manuka Honey inhibits the bacteria growth!<br />
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If you have external wound, you can also apply a little manuka honey to the wound, and dress with a bandage. The manuka honey draws healing fluids and nutrition to affected area and creates a natural thin layer of moisture at the wound surface. Hence when you remove the dressing, you would not damage new regrowing tissues and allow your wound to heal faster.<br />
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For daily care, I take a spoonful of honey before meal, once or twice a day. Usually I take one spoonful before I sleep, and 1 spoonful in the morning before breakfast.<br />
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This is the most important as <b>PREVENTION IS BETTER THAN CURE</b>, a key feature of manuka honey's <b>anti-oxidant properties</b>. It appears that manuka honey slow the oxidation process in the body, which is associated with many degenerative health conditions. <br />
Manuka Honey may anti-oxidise and protect us from free radical unstable oxygen damage in our bodies.<br />
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However, not all honey is made equal.<br />
For manuka honey, I only buy two brands from New Zealand.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtSVIzpL_FtYF2AUTdscHtjCWYBqwWz_7HKcxkAYUJOKnUtonCH5LIQiCcwU7uJsDAc68U06V3HPWSKbzMm0EQX8wBpic9fs4zW-8q5-SOoMg5QPxsUyBF8Y0P2gRo8Nj15R31ElqB14hy/s1600/20150920_101608.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="438" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtSVIzpL_FtYF2AUTdscHtjCWYBqwWz_7HKcxkAYUJOKnUtonCH5LIQiCcwU7uJsDAc68U06V3HPWSKbzMm0EQX8wBpic9fs4zW-8q5-SOoMg5QPxsUyBF8Y0P2gRo8Nj15R31ElqB14hy/s640/20150920_101608.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">These are some of the honey i tried before i concluded on the best brands.</td></tr>
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I must have consumed more than 10 brands of honey before concluding the two best brands...<br />
there are so many reviews to read, so many things to check, and the best way is to test it on myself.<br />
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One is Comvita, the only public listed honey company in the world. Comvita beekeepers are the experts in the honey crop, and the Comvita quality system filters out any low quality ingredients to ensure that only the best honey will make the Comvita Honey quality grade. No other company knows Manuka honey like Comvita.</div>
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The only drawback is that due to the high quality, Comvita honey retails for $129 in Singapore! It is certainly a very pricey honey. The good new is that you can get it from Qoo10 at much better rate (<a href="http://www.qoo10.sg/shop/cherub">www.qoo10.sg/shop/cherub</a>) Just look for Comvita Honey.</div>
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It is the best honey ever.</div>
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For a more mid-range price brand, the other brand I buy for regular consumption is Kare Manuka Honey. It is a great brand, direct from the farm and the beekeepers are strictly trained to ensure good quality honey. The activity levels of all Kare UMFÂź honeys are backed up by guarantee certificates and copies of the relevant laboratory testing certificates and UMFHA certificates.<br />
Kare is one of those family farm brands that you can trust, I buy lots of them as gifts for my business partners and associates. =) You can find Kare at Qoo10 too (<a href="http://www.qoo10.sg/shop/cherub">www.qoo10.sg/shop/cherub</a>) Just look for Comvita Honey.<br />
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For more such healthcare and beauty tips, please do LIKE <a href="http://www.facebook.com/cherubcove">www.facebook.com/cherubcove</a> and get some valuable health tips! If you prefer to order honey delivery, you can go ahead and email cherubcovesg@gmail.com</div>
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Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-77031085664683758472015-09-18T00:00:00.000+08:002015-09-18T00:00:03.822+08:005 exercise you are doing wrong<div class="separator" style="clear: both; text-align: left;">
There are many exercises we are doing wrongly.</div>
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Plank, Lunges, Crunches, Squats and Push ups.</div>
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Please do it correctly with a good posture if not you would injure your body.</div>
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Here is a graphical guide</div>
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<br />Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-2956427015579404492015-09-16T15:15:00.000+08:002015-09-16T15:15:12.111+08:00Yoga Basics 101 <br />
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<br />Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-18081842157294065372015-09-14T17:37:00.003+08:002015-10-04T15:12:19.671+08:00Buying Gold Silver Guide â Does Brand matter?<div style="background-color: white; border: 0px; box-sizing: border-box; color: #666666; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 28.8889px; margin-bottom: 1.5em; outline: 0px; padding: 0px; vertical-align: baseline;">
There are a variety of brands available for both silver and gold, so the question on everyoneâs mind is:-</div>
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<span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;"><strong style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Does brand matters?</strong></span></div>
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<strong style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><a href="http://goldsilvercity.com.sg/wp-content/uploads/2015/01/BullionSg-012.jpg" style="border: 0px; box-sizing: border-box; color: #d2a32e; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: all 0.3s ease-in-out 0s; vertical-align: baseline;"><img alt="© A2CLICK" class="alignnone size-medium wp-image-1665" src="http://goldsilvercity.com.sg/wp-content/uploads/2015/01/BullionSg-012-300x200.jpg" height="200" style="border: 0px; box-sizing: border-box; height: auto; max-width: 100%; vertical-align: middle;" width="300" /></a> <a href="http://goldsilvercity.com.sg/wp-content/uploads/2015/01/BullionSg-009.jpg" style="border: 0px; box-sizing: border-box; color: #d2a32e; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: all 0.3s ease-in-out 0s; vertical-align: baseline;"><img alt="© A2CLICK" class="alignnone size-medium wp-image-1661" src="http://goldsilvercity.com.sg/wp-content/uploads/2015/01/BullionSg-009-300x200.jpg" height="200" style="border: 0px; box-sizing: border-box; height: auto; max-width: 100%; vertical-align: middle;" width="300" /></a></strong></div>
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There are refinery that cast or mint their own brands, selling it as close to spot prices as possible, there are private mints and are government / public mints, there are financial institutes that forge their own brands on gold / silver that is refined by other 3rd parties. There are European brands, Australia brands, Chinese brands etc etc.</div>
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<strong style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Do they matter?</strong></div>
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It actually depends on investorsâ preferences. Some brands like RCM (Royal Canadian Mint) is reputed with very pure silver at the lowest premium in the market. Certain other brands, would demand a higher brand premium over the metal value of the bar / coin.</div>
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<strong style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Bar / Coin = Metal Value + Premium</strong></div>
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As the metal value depends on the spot prices of the gold and silver, you are essentially paying the premium of the brand. RCM has low premium. Certain brands like Panda series from China Mint has a much higher premium for its coins.</div>
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<a href="http://goldsilvercity.com.sg/wp-content/uploads/2014/12/MintedRectangular_pack_50g_A_800_20130110.jpg" style="border: 0px; box-sizing: border-box; color: #d2a32e; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: all 0.3s ease-in-out 0s; vertical-align: baseline;"><img alt="MintedRectangular_pack_50g_A_800_20130110" class="alignnone size-medium wp-image-900" src="http://goldsilvercity.com.sg/wp-content/uploads/2014/12/MintedRectangular_pack_50g_A_800_20130110-229x300.jpg" height="300" style="border: 0px; box-sizing: border-box; height: auto; max-width: 100%; vertical-align: middle;" width="229" /></a></div>
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Whether it is worth it, it depends on the investor prospector. For example, CML (Canadian Maple Leaf) and ASE (American Silver Eagle) has very low premium over their coins, while Chinese Panda has a high premiums. This premium may not be fixed.</div>
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For example, if you have bought CML or ASE in 2011 or 2013 because it costs a lot less than the Chinese Panda series, the current value of CML and ASE in 2015 is still roughly the same as the metal value and the same low premium. Those collectors with the Panda series would be laughing their ways to the banks as the Pandaâs premiums has rocketed. Of course this is not a sure thing, so collectors may have to judge their risk-reward ratios.</div>
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<figure class="wp-caption alignnone" id="attachment_1176" style="background-color: white; box-sizing: border-box; color: #666666; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; line-height: 28.8889px; margin: 0px 0px 1.5em; max-width: 100%; width: 300px;"><a href="http://goldsilvercity.com.sg/wp-content/uploads/2014/12/1-oz-Liberty-Carded-.png" style="border: 0px; box-sizing: border-box; color: #d2a32e; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: all 0.3s ease-in-out 0s; vertical-align: baseline;"><img alt="Pamp Suisse Gold Bar Lady Liberty 1 oz" class="size-medium wp-image-1176" src="http://goldsilvercity.com.sg/wp-content/uploads/2014/12/1-oz-Liberty-Carded--300x300.png" height="300" style="border: 0px; box-sizing: border-box; display: block; height: auto; margin: 0px auto; max-width: 100%; vertical-align: middle;" width="300" /></a><figcaption class="wp-caption-text" style="box-sizing: border-box; font-size: 12px; font-style: oblique; margin: 0.8075em 0px; text-align: center;">Pamp Suisse Gold Bar Lady Liberty 1 oz</figcaption></figure><br />
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Another factor is the recognition of the brand. For example PAMP Suisse is highly recognised, especially by the elder generation. Hence PAMP Suisse is seen as a more luxurious brand.</div>
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Lastly, in Singapore, for investment silver and gold that investors can enjoy stacking up without paying the extra 7% GST, they have to patronise only certain brands that are considered IPM (Investment Precious Metals). These brands has to be under LBMAâs (London Bullion Market Association) Good Delivery lists. As such, it is important for stackers to buy silver or gold from these lists as you would be buying them a lot cheaper than if you were to buy a jewellery-branded gold bar that attracts 7% GST.</div>
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<img alt="m2070007_gml-security-pr-rev-305" class="alignnone size-medium wp-image-680" src="http://goldsilvercity.com.sg/wp-content/uploads/2014/06/m2070007_gml-security-pr-rev-305-300x287.png" height="287" style="box-sizing: border-box; height: auto; max-width: 100%; vertical-align: middle;" width="300" /></div>
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Except for numismatic bars and coins set, all the silver and gold in <a href="http://www.goldsilvercity.com.sg/" style="border: 0px; box-sizing: border-box; color: #d2a32e; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: all 0.3s ease-in-out 0s; vertical-align: baseline;" target="_blank">Gold Silver City</a> are all classified under IPM, and hence has NO addition GST on them. It would be much more financial prudent to start investment without paying this extra 7% tax.</div>
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Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-46398513486747871272015-09-11T00:49:00.000+08:002015-09-11T00:49:05.005+08:00We are all Singaporeans.<div class="separator" style="clear: both; text-align: center;">
<a href="http://img.sgag.sg/posts/2015/09/3308_large_Screen_Shot_2015-09-01_at_11.45.38_am.jpg?1441091953" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://img.sgag.sg/posts/2015/09/3308_large_Screen_Shot_2015-09-01_at_11.45.38_am.jpg?1441091953" height="470" width="640" /></a></div>
<br />Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-81445904735376612015-09-08T13:23:00.001+08:002015-09-08T13:23:04.447+08:00Singapore is a luxury cruise ship - TitanicYou have to say, Singaporeans are not as non-creative as we thought...<br />
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From Sgag.com<br />
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From https://www.facebook.com/thecartoonnewsasiaCherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0tag:blogger.com,1999:blog-5694708249920826167.post-35842151325611131542015-09-07T14:26:00.001+08:002015-09-07T14:26:10.657+08:00GE2015 - Talents are flowing to OppositionOne of the thing that most Singaporeans, including me, that are fearful of voting for opposition parties is because the quality of the candidates are frightening low. Many candidates oppose for the sake of opposing, whine incessantly and yet do not provide suitable alternate solutions.<br />
A lot of them have questionable backgrounds... the most famous example would be Steve Chia who probably single-handedly threw the opposition back 10 years when his wife lodged a police report when naked photos of their maid were discovered in Steve Chia's computer.<br />
(Steve Chia insisted those were artistic photos)<br />
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Fortunately, this seems to be changing....<br />
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As early as SG GE2006, I was at the election rally at AMK and I remember some new opposition members were at rally explaining how their decisions to stand for election affects their family.<br />
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One candidate mentioned his grandma went on her knees to beg him to reconsider.<br />
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I was young, naive and did not understand political history. But I was genuinely saddened that Singaporeans are discouraged to take an active interest in politics. Or rather, discouraged to act in the opposition's interest.<br />
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When GE 2011 arrived, Singapore was totally stunned by the new candidates for Worker's Party. There was a list of impressive candidates, most notably Chen Show Mao, a high flying lawyer who Low Thia Khiang persuaded to return to Singapore to join the Workers' Party.<br />
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Low Thia Khiang, Sylvia Lim, Chen Show Mao, Pritam Singh, Muhamad Faisal Abdul Manap, these 5 highly qualified and educated candidates went on to become the first opposition candidates to win a GRC, a first in Singapore history.<div>
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Fast forward to the present, GE 2015 and I am sooooo glad that there are many good candidates in opposition parties now.</div>
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Workers' Party has attracted a tremendous amount of good quality, educated volunteers and representative candidates.</div>
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Leon Perera stands out extremely as someone who I expect PAP to unveil as their candidates.</div>
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He speaks well, with great understanding of the topic on hand and his proposed solutions work well, populist but not financially bad for the country.</div>
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And there are plenty more, He Ting Ru, Terrence Tan, etc etc, from corporate lawyers to successful entrepreneurs to senior civil servants.</div>
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And I am glad to hear more good quality candidates as well in other opposition parties.</div>
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For now, I think the Parties can be divided into three</div>
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Majority Party - PAP</div>
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Minority Party - WP</div>
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Opposition Parties - All other opposition parties.</div>
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SDP though is the most unique dark horse. I am having a lot of new respect for Dr Chee... though that would be another blog post.</div>
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And here is some eye candies that are relevant to GE2015</div>
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Source from <a href="http://www.petalbytes.com/">Petalbytes for Singapore Women</a></div>
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Cherubhttp://www.blogger.com/profile/18295501496841000968noreply@blogger.com0