Anna Agoncillo, Author at MoneyDigest.sg

How to Prevent and Manage Influenza Abroad

Barbie Hsu, the Taiwanese actress best known for her role in Meteor Garden, has passed away at 48 due to pneumonia caused by influenza complications. Her sister, Dee Hsu, confirmed the news through her agent on Monday, February 3.

Reports indicate that Barbie contracted influenza-induced pneumonia while on a family trip to Japan, highlighting the serious risks associated with the flu, especially while traveling.

UNDERSTANDING INFLUENZA

Influenza, commonly known as the flu, is a highly contagious viral infection that affects the respiratory system, including the nose, throat, and lungs. It spreads through airborne droplets when an infected person coughs, sneezes, or speaks. The virus can also linger on surfaces, making it easy to contract through touch.

CAUSES AND RISK FACTORS

There are three main types of influenza viruses:

Influenza A & B – Responsible for seasonal outbreaks and epidemics. Influenza A tends to cause more severe cases and complications.
Influenza C – Less common and typically results in milder symptoms.

While anyone can get the flu, certain groups are at higher risk of complications, including:

a. Young children under five years old
b. Elderly individuals
c. People with chronic illnesses such as asthma, diabetes, or heart disease

SIGNS AND SYMPTOMS

Flu symptoms usually develop suddenly and can include:

High fever
Sore throat, runny or stuffy nose
Persistent cough
Muscle aches and fatigue
Headache and chills
Loss of appetite
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In severe cases, influenza can lead to pneumonia, bronchitis, sinus infections, ear infections, or even meningitis.

PREVENTION

Before Your Trip
a. Get a flu vaccine. It is the most effective way to reduce your risk.
b. Strengthen your immune system with a balanced diet, vitamins, and sufficient rest.
c. Purchase travel insurance that covers hospital expenses in case of illness abroad.

While Traveling
a. Stay hydrated to support your immune system.
b. Prioritize rest and sleep to allow your body to recover.
c. Carry fever reducers such as ibuprofen or acetaminophen.
d. Use steam therapy, such as sitting in a steamy bathroom or drinking warm tea, to relieve congestion.
e. Wash your hands frequently and avoid touching your face.
f. Wear a mask in crowded areas like airports and public transportation.

Flu Treatment
If you experience severe symptoms, seek medical attention as soon as possible. Antiviral medications such as Tamiflu, Xofluza, and Relenza can help shorten the duration of the illness and prevent complications. In serious cases, hospitalization may be necessary.

Image Credits: unsplash.com

IN A NUTSHELL

Traveling should be an enjoyable experience, not disrupted by illness. Taking preventive measures and knowing how to manage flu symptoms can help ensure a safe and healthy trip.

Take care of your health and travel with confidence.

Sources: 1 ,2,3, & 4

First-Time Bill-Paying Guide for Young Singaporeans

Stepping into adulthood comes with its share of firsts—your first paycheck, first apartment, and yes, the dreaded first experience of paying bills. Don’t worry, though. With a little organization and some smart strategies, you can manage this like a pro.

Let’s break it down step by step, with some relatable tips along the way!

#1: ORGANIZE YOUR BILLS

When Marcus and his wife got their first flat, they found himself drowning in unopened envelopes and emails about utilities, rent, and more. Their solution? A master list of all the bills, split into two categories: automatic payments and those that needed manual attention.

Take a leaf out of their book. Start by listing out your recurring expenses including rent or mortgage, utilities, car loans, insurance, and even those sneaky subscription services. Next, prioritize them by due dates and importance. Not only will this save you from late fees, but it also keeps your finances in check.

Pro Tip: Create a “paid” folder (i.e., physical or digital) to file receipts and proof of payment.

#2: MARK PAYMENT DATES

Ever forgotten a birthday and scrambled for a last-minute gift? Missing a bill deadline feels worse, except it comes with late fees. Avoid this by setting up a payment calendar.

Image Credits: unsplash.com

Whether you prefer a physical planner or your phone’s calendar app, having due dates marked makes it easier to plan your finances and avoid the dreaded Oh no, I forgot! moment.

#3: KNOW WHAT YOU CAN AFFORD

When it’s payday, it’s tempting to splurge on a new gadget or that café-hopping adventure with friends. But adulting also means setting limits. Take some time to understand your monthly income and expenses.

Break your expenses into fixed (like rent) and variable (like dining out). Allocate a portion of your income to bills, and don’t forget to build an emergency fund for those unexpected surprises, like a burst water pipe.

#4: AUTOMATE EXPENSES WHENEVER POSSIBLE

Automation is the magic wand for forgetfulness. If it’s an option, set up automatic payments to avoid missed deadlines. For instance, paying your SP Utilities bill is as easy as using PayNow QR in the SP app or through eGIRO. Not into apps? No problem as you can head to an SP customer service center for a hands-on walkthrough.

Remember, automation doesn’t mean you stop checking. Always review statements for any discrepancies. You wouldn’t want to pay for something you didn’t use!

Image Credits: unsplash.com

Taking control of your bills might seem overwhelming at first, but it’s a skill that grows with time. Start small, stay consistent, and celebrate the wins (i.e., like making your first on-time payment). Because let’s face it, mastering bills is just one more step toward owning your adulting game.

Sources: 1 & 2

Don’t Beg, Just Ask: How to Get Your Client to Pay on Time

Ensuring timely payment for your services is crucial to keeping operations smooth. However, asking for money, especially when payments are late, can feel awkward and uncomfortable.

As a freelancer offering writing and HR consulting services, I’ve experienced firsthand how challenging billing can be. While I know I’ve earned the payment for my work, following up on overdue invoices often feels like begging for what’s rightfully mine. Even with clear contracts in place, the act of reminding clients to pay can leave me wondering if I’m being too pushy. But navigating this aspect of freelancing is essential to ensure I’m compensated for the services I provide.

Why Keeping Up With Clients is Crucial?

The importance of keeping up with your clients cannot be overstated. Regular follow-ups ensure that you’re paid on time, helping you avoid cash flow problems that could impact your ability to cover company expenses.

It’s not just about staying on top of the finances, it’s about fostering healthy business relationships. By communicating your expectations clearly and consistently, you set a standard for future interactions, ensuring that both you and your clients understand the importance of paying on time.

Steps to Get Clients to Pay Their Bills

1. Establish Payment Expectations Early
The key to preventing late payments is setting clear expectations right from the start. During your initial agreement, create a detailed payment schedule that specifies when and how much your client should pay. This reduces the chances of misunderstandings or confusion later on. Including payment terms in your contract (along with details on late fees) is crucial for protecting both parties.

2. Determine the Right Contact Person
Make sure you know who to send invoices to within your client’s organization. Getting the wrong person involved can cause unnecessary delays. Double-check their contact information and ensure that the individual receiving the invoice is aware of the payment terms and expectations.

3. Send Friendly Payment Reminders
Once the due date approaches, send your client a polite reminder. A well-worded email a few days in advance can help your client prepare to pay on time. This gentle nudge helps reinforce the expectation you’ve already set.

4. Follow Up Promptly
If a payment is overdue, don’t hesitate to follow up. Send a clear, polite reminder email immediately after the due date passes. If the payment is still not received after a few days, follow up with another email. It’s essential to be consistent and assertive without being aggressive.

5. Offer Incentives for Timely Payments
To motivate clients to pay quickly, consider offering a small incentive. For example, you could offer a discount for early payment or additional services. This not only encourages prompt payment but also strengthens your relationship with the client.

Image Credits: asiatimes.com

6. Streamline Your Payment Process
Make it as easy as possible for clients to pay you. The simpler the payment process, the more likely clients will make timely payments. Consider using invoicing software that provides multiple payment options, and send invoices promptly after completing work.

7. Charge Late Fees (If Applicable)
Include a clause in your contract about late fees for overdue payments. Most clients will want to avoid paying extra, so this can be an effective deterrent. Ensure your client is aware of this policy when you first set up your payment agreement.

8. Be Flexible With Payment Plans
If your client is facing cash flow issues, consider offering flexible payment plans. Breaking up the payments into smaller amounts over time may help them settle the debt without causing strain. This flexibility can enhance client loyalty and prevent the situation from escalating.

9. Speak Directly to the Client
If emails don’t seem to get through, picking up the phone can be a more personal and effective way to request payment. Speak politely and professionally, expressing your understanding if the client is facing any issues. Be clear about when and how you expect the payment, and ask if there’s anything you can do to help facilitate the process.

10. Consider Cutting Off Services Until Payment is Received
If a client consistently delays payment, you may need to stop providing services until they settle their outstanding invoices. Be firm but polite in explaining that further work cannot be done until the account is cleared.

Crafting the Perfect Payment Request Email

Subject: Friendly Reminder: Payment Due for [Project Name]

Dear [Client’s Name],

I hope you’re doing well. I’m just following up on the payment for [Project Name], which was due on [Due Date]. As of today, the balance of [Amount Due] remains outstanding.

I’ve attached the invoice for your reference. You can make the payment via [Payment Options/Link]. If you have any questions or need further information, please feel free to reach out.

Thank you for your prompt attention to this matter. I look forward to continuing our work together!

Best regards,
[Your Name]
[Your Contact Information]

This polite, professional tone strikes the right balance between being assertive and respectful, which is key to maintaining a good working relationship.

Image Credits: unsplash.com

In a Nutshell

Asking for money doesn’t have to be uncomfortable. By setting clear expectations, sending timely reminders, and offering flexible solutions, you can ensure that you’re paid on time without jeopardizing your client relationships. Just remember, a polite and professional approach goes a long way in keeping things respectful and businesslike.

Sources: 1,2, & 3

5 Tell-Tale Signs It’s Time to Quit Your Job

Knowing when to walk away from a job can be challenging, but certain red flags signal it might be time to move on. Whether it’s workplace conflicts, lack of growth, or declining company stability, staying in the wrong job can negatively impact your career and well-being.

So, when shall you quit?

#1: YOUR BOSS IS HORRIBLE

One of the top reasons people quit their jobs is a difficult boss. If you constantly clash with a supervisor, it will inevitably affect your day-to-day responsibilities and job satisfaction.

This can manifest in different ways:

A boss who is disrespectful or dismissive
Lack of support or guidance
Excessive micromanagement
Unfair criticism without constructive feedback
No acknowledgment of your hard work

If the problem stems from personality differences rather than performance issues, there’s little you can do to change the situation. In such cases, moving on may be the best option for your career and peace of mind.

#2: YOU’RE UNDERVALUED

Feeling undervalued at work is demoralizing, especially when new hires receive better compensation while long-term employees are overlooked. Recognition and fair pay are crucial for motivation, and if your contributions go unnoticed, frustration is inevitable.

Signs you’re undervalued:

Your salary does not reflect your experience or contributions
You rarely receive recognition or appreciation
You face constant criticism with little constructive feedback

If you feel unappreciated, consider discussing it with your manager. However, if your concerns aren’t acknowledged or addressed, it may be time to explore new opportunities where your efforts are truly valued.

#3: YOU FEEL STAGNANT

A lack of career advancement is a major sign that it’s time to leave. Growth isn’t just about promotions!

Image Credits: unsplash.com

Before making a decision, talk to your manager and formally request growth opportunities. If your organization isn’t open to career development, it’s a strong indication that you should move on.

#4: YOU’RE SUFFERING

No job is worth sacrificing your health. If your work-related stress is causing physical or emotional distress such as insomnia, headaches, anxiety, or loss of appetite…it’s a major red flag. For instance, my sister wakes up every morning feeling trapped in her job. She’s constantly stressed, can’t sleep well, and barely eats. I reminded her that no paycheck is worth her well-being.

Even if you love your company, your boss, and your co-workers, your health should always come first. If your job is draining you mentally and physically, it’s time to prioritize yourself.

#5: COMPANY’S FUTURE IS UNCERTAIN

Job stability is crucial, and if your company is struggling, it might be wise to leave before things worsen.

I personally experienced this during the pandemic when private schools began shutting down due to financial difficulties. Realizing the instability, I transitioned from academia to HR to secure my future.

Signs your company may be in trouble:

Consistent revenue losses
Staff layoffs and hiring freezes
Office closures or downsizing
Reduced client base or funding

If your company is financially struggling or at risk of closing, it’s best to start looking for a more stable opportunity before it’s too late.

IN A NUTSHELL

Leaving a job is never an easy decision, but staying in the wrong one can hinder your growth, happiness, and well-being. If you recognize these signs in your current role, take action.

Image Credits: unsplash.com

Have a conversation with your boss, update your resume, or actively search for a job. The right job should challenge, support, and value you—not drain you.

Sources: 1,2, & 3

Festive Foodie’s Guide to CNY Dining in Singapore

Chinese New Year (CNY) is just around the corner, and in true Singaporean fashion, it’s time to feast! Whether you’re craving traditional reunion dinners, Insta-worthy eats, or a modern twist on classics, Singapore’s food scene has it all.

From luxurious hotel spreads to cozy family-run gems, here’s your guide to where to makan this Lunar New Year.

#1: PEACH BLOSSOMS @ PARKROYAL COLLECTION Marina Bay

If you’re all about the classics done right, Peach Blossoms offers the epitome of Cantonese elegance. Think tender abalone, double-boiled soups, and their standout Yu Sheng (prosperity toss) featuring fresh lobster and gold flakes. The restaurant’s understated elegance sets the tone for a meaningful reunion dinner.

Arrive early for some cute family pics in front of their floral displays and say hello to IG feed goals!

#2: THE SOUP SPOON

For those looking for affordable yet satisfying CNY dishes, The Soup Spoon has you covered. Their festive offerings include a hearty Prosperity Soup filled with ingredients like mushrooms, pork, and abalone. Paired with their popular soups and hearty sides, it’s a perfect spot for a family reunion meal without burning a hole in your wallet.

You can enjoy a full meal in under S$20, perfect for a laid-back yet festive gathering.

#3: CAROUSEL @ ROYAL PLAZA ON SCOTTS

Want variety? Carousel’s award-winning buffet lineup has something for everyone, from Asian delicacies to international flavors. Their CNY spread features crowd favorites like chili crab, pineapple tarts, and even Yu Sheng stations for endless tossing.

Pro tip: Go with stretchy pants as you’ll need them.

#4: HUA YU WEE

If your family loves nostalgic vibes, Hua Yu Wee is a must-visit. Nestled in an old colonial bungalow along Upper East Coast Road, this seafood haven is perfect for those who appreciate tradition and flavor without the glitz. Their signature chili crab is legendary, and the bustling old-school atmosphere adds charm.

The outdoor seating under fairy-lit trees makes for a perfect throwback shot.

#5: CHINATOWN STREET FOOD

For a wallet-friendly yet ultra-authentic experience, head to Chinatown Food Street. Feast on dishes like satay, oyster omelet, and Hainanese chicken rice under glowing red lanterns. It’s perfect for soaking in the festive energy without breaking the bank.

Image Credits: unsplash.com

Bring a friend to capture TikTok-worthy food shots and bonus points for twirling noodles in slo-mo.

#6: EMPRESS @ ACM

Who says plant-based can’t be indulgent? Empress, located at the Asian Civilisations Museum, offers a stunning CNY vegan menu that even meat lovers will adore. The menu features dishes like crispy tofu skin rolls and vegan Yu Sheng, all with riverside views to boot.

Don’t miss their cocktail menu—it’s a mood.

#7: YAN @ NATIONAL GALLERY SINGAPORE

Celebrate in style at Yan, known for its elevated Cantonese dishes and impeccable presentation. Their Yu Sheng, artfully arranged like a painting, is almost too pretty to toss. The restaurant’s rooftop garden view adds extra sparkle to the festive season.

Order their curated cocktails inspired by Chinese zodiac animals for an added cool factor.

#8: JANICE WONG SINGAPORE

No CNY feast is complete without dessert, and Janice Wong’s artisanal creations are pure artistry. From Mandarin orange chocolate bonbons to pineapple tarts with a modern twist, her confections are a hit for gifting or indulgence.

Grab their festive gift boxes for a chic and delicious souvenir.

ADDITIONAL TIPS!

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a. Book Early: Popular spots fill up fast during CNY, so snag your reservations ASAP!
b. Yu Sheng Etiquette: Toss as high as you want as it’s good luck! Just don’t poke anyone with the chopsticks (been there, done that).
c. Share the Love: Many restaurants offer takeaway or delivery options if you prefer a cozy meal at home.

This Chinese New Year, celebrate with flavors that reflect Singapore’s vibrant food culture. Whether you’re dining with family, friends, or treating yourself to a solo feast, these spots promise to make your reunion meals unforgettable.

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