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Important Things To Consider Before Purchasing A Fitness Studio Membership

“California Fitness closed… what now for its members?”
“California Fitness abruptly shuts branches in Hong Kong.”
“California Fitness closes all branches in Singapore.”

Image Credits: upload.wikimedia.org/wikipedia/commons/thumb/c/ca/The_ONE_California_Fitness.jpg/512px-The_ONE_California_Fitness.jpg

In the light of the recent headlines, California Fitness members voiced out their battle cry either to the authorities or to the netizens. I greatly sympathize with these people as I remember a particular event which happened two years prior.

In 2014, Affinity Yoga shut down its operations and hundreds of members had to suffer its consequences. Lots of my friends where at disbelief because of the abrupt closure of the place that they invested so much money in. To avoid being caught in a situation like this, take these several factors into careful consideration:

1. CREDIBILITY AND RELIABILITY

Before signing up for a membership, it is crucial to do a background check on the fitness studios that you are interested in. You do not want to be the next victim of a scam whereby a gym closes down a month after they ask you for a large sum of money in exchange of an attractive package. So look for fitness studios with credible international names such as Fitness First and True Yoga. However, being internationally recognized is not a surefire factor that the studio is reliable.

Let us take the California Fitness into the table. Although California Fitness has two decades under its belt, it ceased its operations in Singapore. Hundreds of former members have filled their complaints to the Small Claims Tribunal and the Consumers Association of Singapore (CASE) since last week. While some of their members took the battle to social media platforms such as Instagram. A member by the IG username of genixbw wrote: “Joined 18 April 16 , Closed down on 19 July 16. Fuck u #cali #californiafitness #rip.”

This scenario highlights how important it is to analyze the reliability or the consistency of the services and the studio’s standing as the time passes.

2. PERSONAL SCHEDULE

Much like a cultivating a blossoming romance, improving one’s physical health takes time and dedication. If you are not willing to commit at least 4 hours per week then, you shall bother paying for a membership! You do not to unintentionally flush your money down the drain just because your schedule is too tight.

If you can afford the membership but not the time, please reconsider your plans. I know how the work culture is a pervasive part of a Singaporean’s lifestyle, but taking care of one’s health is important too. Will you at least spare a portion of your weekends for a good workout?

3. ACCESSIBILITY AND LOCATION

Aside from the two key factors mentioned above, you must examine the location of a studio. You either choose a studio that is near to your workplace or to your home. If you want to sweat it out on the weekdays, check out the studios near your workplace so you can workout during your lengthy lunch breaks. And if you prefer to sweat it out on the weekends, get a membership at a studio near you.

Most of the gyms and yoga chains in Singapore have different branches that are scattered islandwide. For instance, Hom Yoga has two studios in Singapore and two studios in Sydney. You can choose to go to their Central branch at the Orchard Road or to their CBD branch near Raffles Place MRT.

Hom Yoga is a contemporary boutique yoga studio that offers hot and non-hot classes. Choose from a range of their hot classes such as Hot Hom, Hot Ashtanga, and Hot Flow as taught by internationally trained yoga instructors. What separates Hom Yoga from the most is its minimalist ambience and premier services complete with the staple facilities.I suggest that you go for their 1-week trial for S$32 to get a feel of all their classes.

4. COST OF SERVICES

Singapore is no stranger to expensive fitness studio costs. In fact, some of the premier gym memberships shoot up to S$2,000 a year. Many people cannot afford the high-priced memberships as well as its adjacent personal training fees. This is why you must look for other ways to get the best rates in town. Start by reading this helpful list: “Places To Find The Cheapest Gym Memberships In Singapore”.

5. TERMS AND CONDITIONS

You know those fine lines that you ignore on a regular basis? I am not talking about the seemingly noticeable lines on someone’s face! I am talking about the fine lines that make up the terms and conditions (T&Cs) of your studio membership.

By accepting the T&Cs, you are agreeing to anything and everything that the gym or yoga studio ask from you in the present until the future. This is why you must read the T&Cs carefully and more frequently. Be vigilant about the rules and regulations, late payment fees, termination clauses, concessionary rates, membership entitlements, and healthy liabilities.

Image Credits: pixabay.com

I hope this list helps you to find a fitness studio that is worth your money, time, and effort!

5 Efficient Ways To Save Money Using The Internet

The Internet can be your best financial ally!

1. TAKE ADVANTAGE OF THE SHARING ECONOMY

Sharing Economy is a type of economic model which allows individuals to borrow or rent assets owned by someone else. For individuals and society at large, it presents a variety of opportunities to invent new ways to earn and to solve social issues. All of these opportunities are made possible with the help of modern technology.

If you tired of the mediocre and costly hotel services that do not meet your expectations, consider finding a well-reviewed space from home sharing websites. Cut accommodation costs as well as energy and water consumption by availing the services of Airbnb, HomeExchange, and Couchsurfing.

Image Credits: pixabay.com

Friendly Tip: For your safety, please conduct a careful examination of the place and its owners before renting it.

2. SAVE SOME CASH BY COUPONING

Previously viewed as a hobby exclusive to “aunties and uncles”, couponing is seen in fresh light due to the popularity of online couponing services such as groupon.sg and cuponation.com.sg. My love affair with these websites began when I was a frugal university student. Groupon Singapore helped me to get the cheapest deals on educational workshops in lined my course while, Cuponation helped me to expand my school wardrobe without breaking the bank.

Image Credits: pixabay.com

3. DOWNLOAD FREE SONGS

People who are deeply passionate about the music industry frequently download songs to support the artists, labels, and distributors. Fortunately for these people, the Internet hosts several premium websites that allow people to legally stream and download songs. The sites that I am referring to are mp3.com, Amazon.com, PureVolume.com, and Jamendo.com.

Image Credits: pixabay.com

The wide array of genres and music collections available online will help you find a song that chimes in with your taste. Go check them out!

4. USE FREE AND OPEN-SOURCE SOFTWARE

Stop paying hundreds or thousands of dollars on programs that can be obtained for free with the same level of performance, quality, and reliability. Use free and open-source software such as the packages enumerated on these posts:

a. List of free and open-source software packages,
b. 30 Essential Pieces Of Free (and Open) Software for Windows, and
c. 5 Awesome Free and Open Source Reporting Software Packages.

Image Credits: pixabay.com

5. DOWNLOAD MONEY MANAGEMENT APPS

Eliminate unnecessary expenses and improve your spending habits with the aid of free money management apps such as Mint, MoneyWise, and Pocket Expense Personal Finance. Mint allows its users to track their spending, develop a monthly budget, receive bill reminders, and take control of their financial life. It is available for download on iOS and Android devices.

MoneyWise combines minimalist design with powerful functionality. It may seem minimal but it can do a lot! It allows you to generate charts or graphs, track budgets or spending, and create regular account backups. It is available for download on Android devices.

Image Credits: pixabay.com

Lastly, Pocket Expense Personal Finance fuses all your financial accounts together so it can track all your bills and set your budgets. It is exclusively for iOS users.

Great Singapore Sale Facts That Every Singaporean Should Know

Great Singapore Sale (GSS) is a shopping extravaganza that happens annually in Singapore.

Citizens as well as guests from all over the world can indulge on the extended period of this year’s GSS, which started last June 3. It is set to run for ten weeks instead of the usual eight. Its official partner card is UnionPay International.

Image Credits: facebook.com/OfficialGreatSingaporeSale

1. PRIMARY PURPOSE OF GSS

The Great Singapore Sale is an event spearheaded by Singapore Retailers Association (SRA) along with the local stores and malls. Its primary purpose is to boost the tourism industry in the Lion City. In fact, the longer sale period was predetermined to better accommodate the tourists hailing from Asia-Pacific countries such as China. SRA’s executive director Anthony Gan stressed that the GSS 2016 coincides with the school holidays in June-August and the peak travel season in July.

This extension may very well increase the influx of tourists but it can also desensitize the locals.

2. ACCREDITED PARTICIPANTS OF GSS

There are no “official” participants of GSS as retailers are not required to submit to SRA guidelines or register with SRA to engage in the event. All the retailers who offer discounts or promotions during the GSS period are considered as the partipicants.

Moreover, merchants are not mandated to use the GSS logo. The decision to do so is left to the business owners because they must think about their own marketing strategies.

3. AUTHORITY GOVERNING THE PROMOTIONS

Aside from the freedom put on the incorporation of the GSS logo, retailers are free to determine their discounts and promotions. The minimum and maximum amounts of discounts, deals, and promotions are left to the hands of the retailers. SRA has little to no say in this.

4. DURATION OF THE RETAILER’S PROMOTIONS

In lined with Fact #2-3, perhaps you have an idea about the designated duration for the store’s sale. It is not compulsory to hold the sale for the entire GSS period. In fact, there were some stores that started their “GSS sale” even before June 3. These stores include Metro and Robinsons.

5. BLOGGER’S INFLUENCE

In 2013, the financial giant MasterCard Singapore launched the Princess Singapore Campaign that featured famous Singapore bloggers. The campaign was a success as MasterCard holders used their cards for a total of over US$1.5 billion (S$2 billion) during the GSS 2013.

6. RISE IN THE TOTAL RETAIL SALES

GSS contributes to the rise in total retail sales in the country throughout the years. According to the Ministry of Trade and Industry’s Department of Statistics, the total retail sales for June and July 2015 was about S$7 billion. It is a 6.1% boost over that of 2014’s.

Image Credits: pixabay.com

Since the flow of GSS is heavily bestowed upon the retailers, the possibilities are endless. Be sure to check out this grand shopping event!

Sources: 1, 2, & 3

Where Do Hippie Singaporeans Spend Their Money On

Modern Singaporean hippies frequent places that exude a youthful vibe that opposes the status quo. Here are some of the common places where they spend their money on:

1. SHOPPING

Hipsters habituate shopping centers that offer minimalist products and online labels. Three of my favorite trendy malls are Orchard Gateway, 313@Somerset, and *Scape.

a. Orchard Gateway gives a modern vibe as its futuristic glass bridge joins the orchardgateway@emerald and the remainder of the Orchard Gateway. Always have your camera with you so you can stop and snap some selfies while you are walking along.

b. Minimalist, hip, and chic are three words that perfectly encapsulates the charm of The Editor’s Market. It is a fashion forward shop that houses clothing ranging from S$20-50. Whenever I am at their 313@Somerset’s outlet, it is impossible to not find something I like.

Image Credits: facebook.com/theeditorsmarket

c. *Scape Underground is filled with online shops that sell items at affordable prices. Unique accessories for as low as S$5 can be found here. If you are lucky, you can chance upon ELF or NYX cosmetics that retails for as low as S$3. Nonetheless, inexpensive yet cool phone cases will always be available there.

2. BOOKSTORES

Hippies create their own slice of heaven by frequenting independent bookstores such as BooksActually and Littered with Books. Probably the most popular of the bunch is “BooksActually”. BooksActually is the go-to place for local literature, enigmatic titles, and creative stationary. Even its website is crisp, simple, and neat. See for yourself: http://www.booksactuallyshop.com.

Another gem for the spunky bookworms is “Littered with Books”. It is situated in a restored shophouse at Ann Siang Hill. Get lost in a shop filled with classic novels, children’s literature, contemporary local literature, and more!

Image Credits: litteredwithbooks.tumblr.com

3. CAFÉS

It comes as no surprise that you will find this ecentric sub-culture at cool cafés. Three neighborhoods that have an abundance of bespoke products are Tiong Bahru, Haji Lane, and Bedok. Tiong Bahru is a historic staple of the Singapore’s hip culture. When you are here, do not skip on the bespoke coffee offered by Forty Hands or Flock Café.

Haji Lane has a myriad of vintage shophouses that sell contemporary and quirky items such as accessories and clothing. Among its packed list of cafés, CAD Cafe is my favorite.

Located in the Bedok area is a humble cafe called Percolate. The place is plain, cozy, and beautifully decorated that is why it brings a relaxing ambiance to its hip customers. According to HungryGoWhere, the average plate costs S$10.

Image Credits: facebook.com/PercolateCoffee

Good prices offering delectable dishes…who am I to complain?

How Money Can Ultimately Buy Happiness

In the previous posts I wrote entitled “Important Things You Must Know About Money And Happiness” and “10 Wonderful Treasures That Money Cannot Buy“, I highlighted that happiness along with other important values does not come with price-tags. This is supported by the 2012 report by Gallup.

According to the report, Singapore is still the unhappiest nation despite the fact that Singapore enjoys one of the highest per capita GDP values in the world. Surprisingly, it ranked as less happier than the populations of Iraq, Haiti, and Afghanistan.

Money cannot purchase happiness in all circumstances. Unless…you spend your wealth in the “proper” way!

Recent studies showed that there are some efficient ways that money can result to happiness. Here are some of them:

1. WHEN MONEY IS SPENT ON EXPERIENCES

A study by Cornell University researchers found that spending money on experiences instead of material possessions, improved the well-being of the person. Your feelings toward your materialistic purchases are subjected to buyer’s remorse as well as comparisons to others. Almost anyone can buy a new bag but, not everyone can experience the thrill of scuba diving!

To stimulate happiness, focus more on experiences that are unique to you. Only if these expenses are within your allotted budget – of course!

2. WHEN MONEY IS SPENT BASED ON THE SELF

Upon analyzing over 76,000 transactions of 625 participants, a recent study showed that matching personality to spending habits was more crucial than one’s total income and total spending. The personality categories in the study were divided into 5, namely: Openness, Conscientiousness, Extraversion, Agreeableness, and Neuroticism. This is based on the Big Five Personality Traits.

For example, Singaporeans who are high on “Openness” enjoy trying new things. These people can experience increased levels of happiness if they spent their money on a beauty or hair makeover.

Know your personality and spend money in accordance with your Psychological needs by completing a simple test here.

3. WHEN MONEY IS SPENT ON THE LITTLE THINGS

In the 2010 issue of Journal of Consumer Psychology, Jing Yang Zhong and Vincent-Wayne Mitchell surveyed the spending habits of 5,000 households. They found that the best way to increase one’s happiness was to make a series of smaller purchases. For instance, the people who spent their money on a series of concerts by lesser known artists were happier than those people who spent the same amount of money in one concert by an immensely famous band. Do you agree?

Well, it goes to show that the things that we think will make us happy often do not.

Image Credits: pixabay.com

Dr. Elizabeth Dunn even believes that “we may be better off devoting our finite financial resources to purchasing frequent doses of lovely things, rather than infrequent doses of lovelier things.” Simply, satisfying our simple pleasures frequently can elicit happiness in the long run.

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