Worst Things To Purchase Online

As I was mindlessly scrolling through my Instagram feed, I saw an advertisement for a porcelain triple barrel hair waver. It was sold for less than S$10. Can you grasp how cheap it was? I was skeptical at first. I did not want to burn my hair for a hair tool that normally costs more than S$50. However, I took my chances and bought it online thru a popular retailer.

Online shopping sounds like a good idea, until the item you purchased disappoints you. In my case, it was the hair waver. I did not get the “beautiful beach waves” that I dreamed of. Instead, the hair waver barely worked. I did not want to trouble myself further by placing a return. I used it once and never touched it again!

I know that I am not the only one. Online shopping is a tricky platform. Nonetheless, there are some items that are best purchased in store. This way, you will be able to judge its quality up-close and ensure its perfect fit. Moreover, you will be avoiding expensive shipping fees and will be given the chance to negotiate the price.

Apart from hair tools, here are some of the items that you must consider buying in the physical store.

1. WEDDING GOWNS

While online shopping is always tricky and risky, buying a wedding dress online is one of the biggest gambles you may enter. Despite being a once-in-a-lifetime piece of clothing, many brides go to the Internet to search for tempting discounts on wedding gowns. Some of these gowns were designed to look like the latest bridal collections of renowned designers such as Vera Wang and Monique Lhuillier.

In most cases, your dream dress can turn into an unrecognizable garment on your doorstep. Imagine ordering a white dress and ending up with a lime green dress after several weeks. Dresses may come in different colors, poor materials, and crooked hemlines. If a deal is too good to be true, it probably is!

2. PANTS

Articles of clothing may not always come as it was advertised. Colors may appear different due to the studio lighting and sizing may vary from brand to brand. Thankfully, most of us have skipped wearing jeans due to the current work-from-home setup. Some of you may regret buying jeans online, because you never had a chance to wear them. While others may have purchased the wrong size.

If you are attending to your professional duties at home, it is better to invest on a comfortable pair of jogging pants or leggings. Who needs to wear a tailored pants during a Zoom call anyway?

3. BICYCLE

Health is wealth! As the world puts a spotlight on the importance of regular exercise, you may embrace the benefits of cycling. The Internet is a great place to research on bicycles and its accessories. You can read all about bike geometry and carbon fiber frames, but the information found here can be limited. It is important to purchase a bicycle that is tailored to your measurements. You can feel the specifications of a bicycle by visiting the nearest bike shop. Most cyclists do test-rides before purchasing their newest bicycle. You may do the same.

Moreover, it can be a hassle to get repairs done under the warranty on a bicycle that you ordered online. Save yourself the stress of packing it up and shipping it to the seller. With a locally purchased bicycle, you can just take it to the nearest bike shop and have it fixed.

4. CHILDREN’S SHOES

It is no secret that children grow up fast. Their feet are no exception! My mother used to draw our foot on a piece of paper and take it on a store when she bought shoes. Nowadays, you can simply order shoes with a few taps on a screen. Although you know your child’s current measurements, sizing varies among brands. If you child is size 3 on brand A, she may be size 4 on another.

It takes more time and effort to purchase several pairs of shoes in a store, but you will be able to purchase the right ones. Remember that some retailers do not offer free returns.

5. MUSICAL INSTRUMENTS

Last year, I studied how to play the Kalimba or thumb piano. I still have it with me and play its soft tunes whenever I can. I opted to purchase online as I was a beginner and I am not a professional musician. It provided a great start in discovering my musical prowess.

For professional musicians and Music students, it is a different story. These people need higher-end equipment, especially for fragile instruments such as violins and cellos. You should purchase these items in person rather than on the Web. It is important to play the instrument in person to ensure that you are getting a good value for your buck.

6. SWIMWEAR

For some people, shopping for a new swimsuit or bathing suit can be a daunting task. As such, you may opt to hide behind your computer screen and order online. The only downside of doing this is that fit can fluctuate among suits from the same brand. It is better to not take your chances with fit!

Furthermore, you may not be able to return a small swimsuit if the packaging has been opened or if there is evidence that the suit has been worn. The same restrictions can apply to other intimate apparel such as bras, purchased online.

7. MATTRESS

My uncle always highlights the importance of buying a good mattress. He works tirelessly everyday and dreams of getting home to a comfortable bed. We spend a third of our lives on the bed. This is the primary reason why you should invest on a mattress that you can use for several years. According to the Better Sleep Council, a mattress should last up to seven years.

Image Credits: unsplash.com

It is challenging to commit to a mattress that you merely saw online. A reviewer may sleep on his back and you may be a side sleeper. Your online reviews on the same mattress may be polarizing since we all sleep differently. It best to feel the material of the mattress face-to-face. Who knows? You can score a better deal during store promotions and seasonal sales!

Sources: 1, 2, & 3

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Surefire Ways To Earn More While You Sleep

1. JUST SLEEP

As researchers had found, sleep can improve your concentration, boost your cognitive function, reduce your stress levels, and even increase your Emotional Quotient (EQ). But aside from these, it can also increase your salary! An additional hour of sleep per week has shown an increase in salary by 1.5% over the length of a season and 4.9% over the length of a few years. This increase is due to the positive effect of sleep on productivity.

2. CREATE A PAID BLOG

By constantly writing or blogging about a certain topic, you become sort of expert on that topic. In order to get started, your blog must have a thematic niche such as fashion, finance, or parenting. Preoccupy your time by improving the blog’s design and content. Then, start earning by placing advertisements or becoming an affiliate partner. The most feasible ways to earn money from your blog are paid advertisements, paid articles, offering courses, and selling books.

Curious on how much a successful blogger can make? Well, they can earn as much as S$5,000 a day.

3. SELL YOUR PRODUCTS ONLINE

Capitalize on your products to support your business and your clients’ needs. Online platforms are a great way to sell your products. You simply have to put a page, employ a shopping cart, and promote it. If you are designing a yoga sportswear collection, consider launching it online to receive a stream of revenue even as you sleep.

4. BE AN INVESTOR

According to Investopedia, an investment is a monetary asset bought with the assumption that it will provide income in the future or be sold at a higher price. Investments in Singapore include the purchase of stocks, bond, gold bars, and properties. Fortunately, you do not have to be regularly present to operate these investments. Start by knowing more about the different investment types and how each one works through indulging on the free resources available physically and virtually.

Image Credits: pixabay.com (CC0 Public Domain)

Image Credits: pixabay.com (CC0 Public Domain)

Sources: 1,2,& 3

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How To Learn A New Language Without Spending A Dollar

Wouldn’t it be nice if you could easily upload foreign languages by putting microchips to your brain? Okay, maybe it sounds a tad futuristic and creepy too! However, it is not possible – yet.

Fortunately, you can learn to speak a new language confidently in a relatively short period of time. Here are some tips:

1. TAKE OUT THE EXCUSES AND FEARS

In order to learn a foreign language successfully, you must wash away the excuses and fear inside of you. Whether it is fear of making mistakes, fear of being ridiculed or fear of looking stupid, all your worries will only hold you back. Realize instead that communication is designed to understand each other and never to look down upon someone.

2. SET GOALS

Set an attainable and realistic goal to start with. While you are at it, reward yourself for every milestone you reached. For instance, you may begin with learning at least 50 words in 3-6 months. Then, slowly pick up the pace to learn the grammar too.

3. TAKE ADVANTAGE OF FREE ONLINE COURSES

Upon digging through all the free resources in the web, I found that two websites shine from the rest namely: Omniglot and Open Culture. Omniglot has a user-friendly interface that allows you to find the language you desire from the “language index” that is fixed alphabetically. Simply scroll down to find the course links.

Alternatively, you can browse through the collection of featured lessons provided by Open Culture. It consists of 48 languages including French, Mandarin, English, Spanish, and more. Simply download the audio lessons to your computer or music player (mp3 format) to pick it up easily.

4. DOWNLOAD AN AWESOME APP

Want a fun way to learn a new language? Then, download the gamified language tutor App called Duolingo. I am personally in love with Duolingo. More than just learning the basic phrases, it allows you to test your skills in written and spoken language. This is why “Yo entiendo Español.”

 

Image Credits: pixabay.com (License: CC0 Public Domain)

Image Credits: pixabay.com (License: CC0 Public Domain)

5. INTERACT IN THE NEW LANGUAGE

One of the best ways to absorb a foreign language is to interact with others. It will teach you naturally and spontaneously to express your thoughts instead of mentally translating every word before you say it.

Sources: 1 & 2

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Best Resources For Retirement Planning In Singapore (These Are Free Too)

In 2014, a survey by DBS bank showed that over 76% of the participants said that their key long-term financial goal is to have sufficient for retirement. Why are these people not ready? Perhaps time and awareness are the factors.

Majority of people think that saving for retirement can wait until you are more stable later on in life. Some may get caught up with their spending patterns and life events such as celebrating weddings and raising children.

There is never a “great” time to start planning for your retirement. But, there are good advantages if you started early. However, if you are starting late today then, you will have to work harder to grow your retirement fund. Moreover, you cannot afford to lose money anymore so; you must avoid investments with higher risks.

After shedding a light into the importance of retirement planning earlier on, here are the best yet free resources for retiring in Singapore (aside from the fantastic Money Digest) :

1. RETIREMENT CALCULATOR BY AVIVA

Aviva is a British multinational insurance company that provides services across 16 countries. Since they have a branch in Singapore, their website features a retirement calculator that tells you how much money you need to live comfortably in your golden years. Also, it takes expected inflation into account. Personally, I found Aviva’s Retirement Calculator as easy and user-friendly but I still want to get more information out of it.

Get it here.

2. CPF RETIREMENT SAVINGS INTERACTIVE CALCULATOR

As I said, I seek more functionality from the above retirement calculator. Which is why I continued my search. In my conquest I found a comprehensive retirement calculator that is validated and created by Central Provident Fund (CPF).

CPF is a social security savings plan that has provided the working Singaporeans with confidence and a sense of security for their retirement years. A part from this, they offer online guides and resources such as the Retirement Savings Interactive Calculator. This calculator allows you to assign values for your current age, desired retirement age, desired retirement income, return of investment, and so on. The results will show the number of years you need to save and the cumulative savings necessary to age gracefully. Furthermore, it provides charts and graphs to enable you to understand the numbers more.

Get it here.

3. VANGUARD RETIREMENT INSIGHTS

A premier international website for retirement information is owned by the Vanguard Group – an American investment company. Vanguard’s retirement resources are divided into three categories namely: saving for retirement, nearing retirement, and living in retirement. They provide tips, guidance, and advice using simple terms that would not require a genius to understand. Additionally, it offers retirement planning tools such as creating a realistic retirement budget.

Browse it here. 

4. HSBC SINGAPORE RETIREMENT PLANNING

Going local, you may browse through the articles by HSBC Singapore. These articles feature detailed information about the future retirees in Singapore, 8 steps to have a confident retirement, and a guide to retirement planning. Also, it includes localized researched statistics, charts, tables, and graphs. But, I cannot deny the fact that it advertises HSBC’s own retirement services too.

Browse it here.

 

Image Credits: pixabay.com (License: CC0 Public Domain)

Image Credits: pixabay.com (License: CC0 Public Domain)

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Bored? Here Are 4 Ways You Can Make And Save Money Right Now!

Boredom is unavoidable. It can happen to anyone at some period of time. With this period, you can either waste your time on non-sense facades or get your creative juices flowing! I would rather choose the latter.

Do something productive with your time while earning and saving money with these 4 simple ways:

1. KEEP TRACK OF YOUR PERSONAL FINANCES

Having a good amount of time to spare can be efficient if you utilize it to organize your personal finances. Start by tracking your bi-weekly and monthly income and expenses. Then, review your monthly budget. Contemplate if the budget is enough or overboard.

Image Credit: 401 (K) 2012 via Flikr

Image Credit: 401 (K) 2012 via Flikr

Afterwards, you must review different strategies to improve your budget. These strategies may include cutting down expense categories, limiting your shopping trips, or using coupons.

2. INEXPENSIVE INTERACTIONS

If you are trying to defeat boredom while living frugally, you must practice inexpensive ways to socialize or interact with the people who are important to you.

For instance, you can save more money while having the equal amount of fun when you are having your friends over at your house.

Image Credits: Alex Bellink via Flickr with CC License

Image Credits: Alex Bellink via Flickr with CC License

You can also score free and delicious home cooked meals at your parents’ house. Of course, that comes with having a quality time with them.

3. ANSWER ONLINE SURVEYS

Bring your boredom to your advantage by answering online surveys while making decent money out of it. Answering online surveys is a type of freelance work done during your own convenience. However, it is important to highlight that several companies pay a couple of dollars while others compensate you with gift cards or rewards (e.g., iTunes or Amazon gift card).

Image Credits: 401(K) 2012 via Flickr with CC License Attribution-ShareAlike

Image Credits: 401(K) 2012 via Flickr with CC License Attribution-ShareAlike

Suggested online companies that conduct surveys are: SurveyMonkey, Opinion Outpost, and SurveySpot.

4. BUILD A BLOG

Share your thoughts and the things you are passionate about while making loyal followers and extra money through a blog. In order to get started, your blog must have a thematic niche such as fashion, finance, or parenting. Preoccupy your time by improving the blog’s design and content. Then, start earning by placing advertisements or becoming an affiliate partner.

Curious on how much a successful blogger can make? Well, they can earn as much as S$5,000 a day. Not bad for something that might have been a by-product of boredom! 🙂

Image Credits: Mike Licht via Flickr with CC License

Image Credits: Mike Licht via Flickr with CC License

Sources: 1, 2, & 3

 

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