How To Master Working From Home With Kids Around

With the restrictions of the coronavirus pandemic and our compliance to social distancing guidelines, many of us have transformed our homes into offices. Your home is an oasis, except when you are forced to mix your personal life with your professional life. Schools may have opened last June, but some rotate between online and on-campus lessons. It is a gradual transition that comes with the new normal.

The “no kids allowed in the office” rule no longer applies to us. Employees and business owners are now juggling their household duties with their workplace tasks. Some find it a struggle to create a peaceful environment free from the distractions created by their children, pets, or younger siblings. Just take a look at the video below!

TALK TO YOUR CHILDREN

It is important to talk to your children about what is happening around them. Ensure that you are explaining the situation at an age-appropriate level. Some children may understand the safety restrictions, while others may see the pandemic as an unreasonable limitation.

Explain to them that we are looking out for each other during this pandemic. Part of how we help each other right now is by staying at home. Sometimes, a change in perception is all that we need.

ESTABLISH A SCHEDULE

One of the benefits of working at home is flexibility. Write down your priorities for the day and set them within your working hours. If you’re married, you may explore alternating schedules in coordination with your partner and your children. This will help you manage your household chores and office tasks accordingly.

Have an agreed schedule with your employer to ensure that you are filling in the required number of hours per day. Given that most of us work from home, some employers may understand the need for non-traditional schedules.

FOCUS ON YOUR PRIORITIES

Prioritize your work by accomplishing important tasks first. There will be interruptions along the way and it will take longer than usual. This is why you accomplish urgent tasks in the morning and save the minor tasks later in the day.

Avoid unexpected yells and loud noises in the background by hitting the mute button during conference calls. Toddlers will not understand that they cannot always have your undivided attention. If your toddler seeks your attention during a business call, you may ask to reschedule if you can. Minor tasks such as replying to client comments on social media may be done while your children are sleeping.

CREATE SNACK AND PLAY STATION

Find a spacious corner in your home and assign that as the “snack and play station”. Prepare a bunch of snacks and drinks for your children and instruct them on how much they can consume per day. Aside from this, you may let your child’s creativity run wild through free-play. Provide books, art materials, and other learning materials such as puzzles and blocks within this station.

Tackle your workload while your kids are having fun and playing safely on the corner.

PLAN FOR INTERRUPTIONS

Think of alternative strategies to minimize the disruptions from your family members. Firstly, you can take advantage of naptime. Do bulk of your heavy tasks during this time. Whether your child sleeps for one to three hours, use this time to complete tasks that seek your focus and concentration.

You may also setup a virtual meeting between your children and your relatives while you work. Ask a friend or a family member for a favor to teach your children a new skill while they are chatting online. Connecting your children to their friends and their grandparents through Skype, Zoom, or Facetime can be helpful to their well being too.

SET REALISTIC EXPECTATIONS

Let us face it! There are no professional advantages to pretending things are the way they used to be. Reduce your anxiety and manage everyone’s expectations by being honest with your coworkers. Tell them what is going on in your home office.

Image Credits: unsplash.com

Similarly, you must be honest with yourself when it comes to your abilities in handling your children. You cannot turn into a good teacher overnight. Be patient with yourself and your children throughout the process.

Sources: 1, 2, & 3

 

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Planning to get married? Here’s how much it costs in 5 years time

According to a study conducted by ValueChampion in 2019, the average cost of getting married in Singapore  is consistently increasing over the years. The average cost of a wedding banquet skyrocketed from S$923 in 2011 to S$1,392 in 2019. That’s an increase of 51% in just over 8 years, far outstripping MAS core inflation rate of 14% during the same period. There is little to suggest that this upward price trend will not continue once things stabilize post Covid-19.

Cost of a Dream Wedding in 2025

Based on past wedding inflation rate of 32% over a 5-year period, the estimated total cost to hold a dream wedding in Year 2025 would be $100,000.

While Year 2025 may seem too far away to start planning for your dream wedding, the figures have shown how frightening wedding inflation rates have been and will continue to be. $100,000 is an intimidating amount for any young couple to cough up. Therefore, it is important to start planning and saving up for your dream wedding early. For a start, angbaos from family, friends and guests received will definitely help to reduce the total size of the bill. Here are some ways you can mitigate the costs of your dream wedding.

Negotiate with Wedding Vendors

While this may sound obvious, many customers hardly negotiate as they are afraid of embarrassing themselves for fear of appearing “too cheap”. Sometimes, negotiations need not always come in the form of price reductions. For instance, one can ask for freebies such as flower bouquets or floral lapels from the vendor before committing to a bridal package. Wedding banquet providers may also be willing to sponsor wedding favours and waive corkage charges.

DIY For a Personal Touch

Not all of the items need to be procured from wedding vendors. Couples can borrow certain items from friends or simply just do-it-yourselves (‘DIY’). For instance, there is no need to hire a professional company to dress up the reception table. There are plenty of images on Pinterest and Instagram that serve as easy references for couples to do-it-themselves. Furthermore, DIY adds an element of personal touch that will leave a lasting memory for your guests.

Choose the Right Financing Option

The most significant part in mitigating the cost of your wedding is choosing the right financing option. A Personal Loan should definitely be considered if a one-off borrowing is required. A personal loan is a more financially prudent option compared to credit card debt. For example, OCBC is levying 0% interest rate and only a one-time processing fee of 4.5% (Effective Interest Rate 5.20%) for its Balance Transfer Loan. This is significantly lower than a typical credit card interest charge of 25% for roll over amounts. For a $50,000 loan, the savings in interest payments is easily over 5-figures over a 12-month period! Hence, a personal loan can be more a financially prudent alternative to a credit card debt.

To access Balance Transfer Loan, simply borrow from your unused credit limit from other banks to enjoy 0% interest rate. Alternatively, one may turn any unused OCBC credit card limit into cash via the OCBC Cash-On-Instalments with no need for additional income documents. Repay with fixed instalments over 12 to 60 months and pay effective interest rates as low as 9.06%. Such smart cash flow management would net you tremendous savings since interest on credit card debt is easily a staggering 25%!

Finally, even if one does not have any existing unused credit card limit, do not worry as one can still tap the OCBC ExtraCash Loan or EasiCredit. The loan amount disbursed will be dependent on your annual income. Inclusive of the one-time processing fee, the effective interest rate for ExtraCash Loan could be as low as 10.96% with fixed repayments over 12 to 60 months. On the other hand, EasiCredit offers greater flexibility as you withdraw what you need at 1.74% interest rate per month.

Application for personal loans from OCBC Bank can be performed conveniently via MyInfo. This minimises the waiting required which can help to lessen any wedding jitters! A host of convenient repayment options exists to ensure that you never miss your monthly bill!

Conclusion

Holding a dream wedding in front of your loved ones is the aspiration of many lovebirds. When planning for your dream wedding, consider the suite of Personal Loans from OCBC since this is a superior financing option over credit card debt. Proper financial planning ahead can go a long way to ease the financial burden of holding a dream wedding in Singapore.

Visit OCBC for a comprehensive suite of personal loans that grant you easy access to cash without having to wait for an eternity:

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Inexpensive At-Home Activities You Can Enjoy With Your Child

Kicking off the month of April is the new educational structure advised by Education Minister Ong Ye Kung. Last Friday, he highlighted that all schools will conduct one day of home-based learning in light of the recent spike in COVID-19 cases in Singapore. This re-structuring will help prepare the parents and students if more days of home-based learning will be necessary.

Primary schools will conduct home-based learning o Wednesdays, Secondary schools will apply ths on Thursdays. The rest of the institutes will be having it on Fridays. These social distancing efforts are on top of the enrichment and tuition centers’ closure. The question on the parents’ minds now is: “What will the children do all day?”

The key to extending the learning at home is to make a routine. Students are used to following a schedule. Mimic this blueprint by creating a distinct schedule to help the continuous flow of their home-based education day. The goal is to keep your children busy as you tend to other matters.

TIP #1: FOLLOW THE ADVISE OF THE TEACHERS

As teachers will be giving their assignments through emails and other platforms, you may start the day with those modules. Study time may last from 30 minutes to an hour and a half. Allow heavy subjects and academic assignments to be engraved during this block of time.

TIP #2: DEDICATE A BLOCK FOR PLAY

Allow your children to have at least 15 to 30 minutes of time of dedicated child-led play. Provide materials that will cater to their interests and allow them to play. When a child is playing, it stimulates different facets such as imagination, creativity, innovation, and socialization. You may provide a bin filled with educational toys and art materials. Serious learning can take place while having fun.

TIP #3: SCHEDULE A TIME FOR READING

Being at home all day gives you a chance to increase the child’s habit of reading. Gather your books at home or download free books online. Schedule at least 20 minutes of reading time per day to engrave the importance of reading. Remember that this block is the total amount of minutes. You may break it apart throughout the day. In the first half, you may be the only one talking. The adult will read the book aloud for the child. As the day ends, you may let your child to read the same book by himself or herself. Do not worry if your child wants to extend the reading block! Reading is beneficial for your child’s language proficiency and vocabulary expansion.

TIP #4: SPARE SOME TIME FOR GROOMING AND SELF-HELP SKILLS

As an educator, I believe that children learn best through experiences. Let your child experience household chores to learn more about responsibility and self-reliance. Assign 10 to 15 minutes of time for household chores and other self-help activities. Guide your child as they clean their rooms, sweep the floors, wash the dishes, or fold the clothes. They can use these skills as they grow up. More importantly, those are less tasks for you to fill.

TIP #5: ALLOT A BLOCK FOR SCREEN TIME

Whether we admit it or not, technology has been a part of our children’s lives. Hence, it is better to adapt and to limit their usage. Keep your children from “over-indulging” on the screens by having a set time in the schedule for screen time. Ideally adults should limit the children’s use of screen time to two hours per day. For instance, you may allow 30 to 45 minutes of screen time before breakfast and after dinner. Follow through the scheduled time by turning the devices and appliances off afterwards. If the house feels too quiet, turn on some delightful music instead.

TIP #6: ALLOW YOUR CHILDREN TO MOVE

It is easy to put down toys for free play. However, children enjoy it when you get to bond with them as you facilitate some indoor activities. A great way to entertain your children while practicing educational skills is to schedule some easy indoor activities. You may plan at least 30 minutes of this category before snack time or before dinner time.

Here are some of the ideas for your indoor play:

a. Build A City: Flatten out a box. Draw a round using markers and paint. Add blocks and other toy vehicles to let your child build his or her own city.

b. Backhand Balloon Balance: Challenge your children to balance a balloon on the back of their hand. See how long they can do it before it falls to the ground. Amp up the stakes by putting water inside the balloon.

c. Long Jump: Put some lines of masking tape or colored electric tape on the floor. Make 6 separate lines of tape, which are one foot apart. Label the first line as the “Starting” line. See how many lines your children can jump over. Have them beat their best score each round. You may even let them jump backwards!

Image Credits: unsplash.com

May you entertain your children while staying safe! 🙂

Sources: 1 & 2

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Cost-Efficient Ways To Sanitize Your Things To Avoid Getting Sick

These days, health scares seem to dominate the global news platforms. Instead of resorting to panic, it pays to be prepared. Search to products that can help eradicate bacteria, viruses, and other germs. Practice proper hygiene measures such as washing your hands regularly and using antibacterial hand sanitizers.

Moreover, you must sanitize your household items to defend yourself from COVID-19 and other illnesses. Health is wealth after all!

USE BLEACH

According to the U.S. Centers for Disease Control and Prevention (CDC), the coronavirus seems to spread commonly from person to person via respiratory droplets. It usually transmits between people who are within about 1.8 meters of each other. Current evidence suggests that this virus can remain for hours to days on surfaces made from a variety of materials. Hence, a relatively cheap and highly efficient disinfectant such as bleach is needed!

Bleach kills some of the most dangerous bacteria, including staphylococcus, streptococcus, E. coli and salmonella. It also kills many viruses such as common cold and flu.

CDC advises that bleach will be effective against coronaviruses when it is properly diluted. Use a bleach solution comprising of 5 tablespoons (1/3 cup) bleach per gallon of water. Follow the manufacturer’s instructions for application and ventilation. You may use this solution for toilets, plastic toys, kitchen counters, and more.

FairPrice sells 4 Liters of Clorox for S$5.

STOCK UP ON VINEGAR

A more natural alternative to bleach is using vinegar. You may stock up on vinegar as you can use it for cleaning and cooking. Research has shown that vinegar solution is helpful against some bacteria and viruses, including the flu. However, does not kill dangerous bacteria like staphylococcus.

To use vinegar for household disinfecting, begin by mixing equal parts vinegar and water. Put this all-purpose disinfectant mixture in a spray bottle for easier application. Cleanse counters, mirrors, and doorknobs with this mixture. You know how viruses can transmit thru entering one doorknob! So, cleanse your doorknobs religiously.

Different kinds of vinegar with varying price tags are available in the nearby grocery.

MIX WITH TEA TREE OIL

Commonly used as a natural antiseptic for treating minor cuts and wounds, tea tree oil is more than what meets the eye! It can be strong enough to kill viruses and more powerful bacteria.

For anything that needs disinfecting and cleaning anywhere in the house, a few spray of tea tree oil gets the job done. Simply add 10 drops of tea tree oil to 250 ml of white vinegar and 250 ml of water. Put this mixture in a spray bottle. Spray on any surface such as kitchen counters or floors, and then wipe up. You can also create a tea tree oil mixture for your smartphone.

Let me school you on how dirty your smartphone can get! You touch your smartphone countless number of times throughout the day and you may even be holding it now as you read this. It does not matter if you are diligently washing your hands, if you do not disinfect your smartphone. You see, a 2012 study found that smartphones have more germs than toilet seats. Imagine that!

Deep-cleanse your smartphone without damaging it by spraying the tea tree oil mixture on a microfiber cloth. Spraying to the cloth rather than directly onto the screen can prevent damage. Some even add vodka into the tea tree oil mixture (i.e., 1/4 cup of vinegar mixed with 10 drops of tea tree oil and 1/4 cup of vodka).

Watsons sell 10 ml of tea tree oil for S$14.90.

DISINFECT USING ANTIBACTERIAL WIPES

Aside from your smartphones, one item that you constantly touch at work is your computer or laptop’s keyboard. It is full of nooks and crannies as you click away for hours a day! Disinfect this germ collector daily by following these steps.

If you are using your computer’s keyboard, turn it upside down and use compressed air to remove any dust or crumbs. Then, turn it over and use antibacterial wipes on the surface. Antibacterial wipes are available in Watsons for S$2 (3 packs of 10 pieces). Disinfect as much as possible.

BUY ANTIBACTERIAL LAUNDRY DETERGENT

Prevent your beloved little ones from becoming sick by constantly washing their stuffed animals and blankets. You see, their furry companions hold onto germs.

Check the tag on stuffed animals to see if it can go in the washing machine, and if so, follow these washing instructions by using the hottest water setting possible along with antibacterial laundry detergent. Use the same technique for the blankets. Dry these completely.

Image Credits: unsplash.con

Four liters of antibacterial laundry detergent is currently on sale at FairPrice.

Sources: 1 & 2

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