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4 Places For Best Money Exchange Rates In Singapore

Currency, as we know it, is a result of a period of evolution. Long time ago, there were no coins, there was only barter – simple exchange of goods for goods. Now, money (i.e., in the form of coins, paper, etc.) around the world has its equivalent value.

When you travel, it is quintessential to find a good place to change the currency of your money. Luckily for travelers, Singapore provides a wide array of reliable and licensed money changers that offer best rates for most foreign currencies. If you are unaware of the best money changers out there, here is a swift list for you…

1. PEER TO PEER – MARCO POLEE (Update: 15 Sep 16)

Since our article has gone out, we’ve discovered Marco Polee – a currency exchange platform that networks people to exchange currency between each other. Customers can create a new listing, which consists of where they’d like to exchange, and the amount. The best bit is that the exchange rate is locked to the market exchange rate (midmarket rate)! With absolutely no fees, no commissions, and the ability to exchange at market rates – this service is definitely worth taking a look at. Marco Polee’s goal is to provide travellers with a better option as they believe the people deserve better than to lose money just to exchange currency.

Website: Marco Polee

2. PARKWAY PARADE

Do you live around the Katong area? Parkway Parade Shopping Centre, a building with about 300 shops, is the most convenient place for you to change your money. In here, the suggested money changers are located at the Level 1 as it provides the best rates for THB, USD, JPY, MYR, and HKD.

Suggested Money Changers: Sino Money Changer, Yakadir Enterprises, Everpeace Money Changer, and Parkway Money Changer

Address: Parkway Parade 80 Marine Parade Road, Singapore 449269

3. THE ARCADE AT RAFFLES PLACE

A busy business center in Singapore, Raffles Place has proven to be a good place for changing your currencies. Offering good rates for USD, GBP, EUR, JPY, THB, MYR, and TWD all year round.

Suggested Money Changers: Arcade Plaza Traders Pte Ltd, Sheen International Exchange, People’s Corner Money Changer, and Arcade Money Changers

Address: The Arcade, 11 Collyer Quay, Singapore 049317

4. PEOPLE’S PARK COMPLEX CHINATOWN

An old building located at the heart of Chinatown, People’s Park Complex, is one the most famous places to exchange your money. The money changers here are numerous that you can compare rates by hopping from shop to shop. Nonetheless they offer good rates for CNY, PHP, THB, HKD, and MYR.

Suggested Money Changers: Today’s Money Exchange, Crante Money Changer, AK Money Changer & Department Store, and Emerald Money Changer

Address: People’s Park Complex 1 Park Road, Singapore 059108

5. LUCKY PLAZA

For tourists that are around the Orchard area, money changers at Lucky Plaza is your most convenient choice. With shopping centers around the area, it is a good place to exchange rates for PHP, MYR, and THB.

Suggested Money Changers: Rahiman Trading, Rabi Trading, Fajar Money Changer, and True Blue Money Changer

Address: Lucky Plaza 304 Orchard Road, Singapore 238863

Image Credits: epSos .de via Flickr

Remember to compare the rates in different money changers in the building to get the best rates! Some money changers offer updates via their website so, be aware of that.

(* Now that you’ve get the best of your exchange rate, use our hotels search engine to search for the best price guaranteed hotels: http://hotels.moneydigest.sg)

6 Budget-Friendly Ways To Select Clothes Like A Fashion Editor

1. STICK TO SIMPLICITY

Simplicity translates to sophistication in most cases. The simpler and sleeker the clothing article is, the better. This is why you must avoid handbags or clothes that are filled with bargain embellishments or distressed denim patterns. If you want to accessorize, opt for a thick bracelet rather than stacking three little ones to increase the outfit’s impact.

2. AVOID GATHERED SEAMS

Manufacturers prefer gathered seams as they are more forgiving and can fit the majority compared to smooth seams. To seem that you bought your clothes from a high-quality store, shy away from pieces that have gathered seams. Select pleats and sharply tailored garments instead. I once spotted a lovely S$10 pleated skirt at Bugis Street.

3. GET THINGS TAILORED

Having your jeans tailored for about S$5 or S$8 is worth every buck as it can transform your poorly fitted S$13 Forever21 jeans into a seemingly designer piece. It goes the same for a tailored blazer or a tailored jacket.

While you are shopping, look for uncomplicated garments as they are cheaper to tailor. Another alternative is to make basic stitches on your own by using this helpful post.

4. LOOK FOR RAW LACE

I am your typical “girly girl”. My wardrobe is filled with floral blouses, form-fitted skirts, and other feminine pieces. This is why I am absolutely fond of lace. The only problem with an outfit covered with lace is that it can look inexpensive.

Image Credits: pixabay.com

Lace made by the machine can appear flat and flimsy. Try to stick to tops and dresses that use lace only as an accent. Look for lace that seems raw, uneven, and delicate.

5. FAVOR THE MONOCHROMATIC

Wear one hue or color from head-to-toe because splashing yourself with every color in the rainbow can look cheap! For example, you can wear the different shades of black (i.e., Jet-Licorice) to look slimmer and more stylish. Monochromatic clothing creates an illusion of supreme quality.

Although, this does not mean that you will avoid experimenting with color all together. You may suit up with bold pastels or deep jewel tones and still look as regal.

6. GO FOR THE CLASSIC

Classic pieces such as black pencil skirts and white cocktail dresses have a timeless charm. If you are going to spend your hard-earned money on a wardrobe, wear articles that you can style for years to come.

Even InStyle‘s Special Projects Editor (who has been a fashion editor for decades) highlighted her adoration for the classic. She once stated this: “my big investments are all classic shapes. No crazy one-off trends such as culottes, designer sweatshirts, or 1970s-inspired fringed jackets.”

Image Credits: pixabay.com

Sources: 1 & 2

Why The Local Telecoms Are Ceasing The Sales Of Samsung Galaxy Note7

Before its release, people have been clamoring over the great possibilities that the Samsung Galaxy Note7 can bring. Its innovative design focuses on offering better usage with the dual-curved screen and shaping a comfortable grip with the 5.7-inch unit. Continuing the legacy of the preceding Galaxy phones, the latest Note7 along with the S Pen is waterproof. The privacy features went up a notch with the “iris scanning”. The improvements did not stop there!

Samsung came up with a larger battery that minimizes the charging speed and expands the longevity of the phone. However, this turn out to bring more problems than solutions. The battery of several Note7 units all over the world either bloated or exploded. In UAE alone, the Consumer Protection Depart at the Ministry of Economy has removed about 19,000 faulty Note7 off the market.

To control the damage and to address the gravity of the situation, Samsung has taken the full responsibility by issuing prompt recall of these units. All the local telecoms adhered and they ceased the sales of the device. This is followed by the introduction of an exchange program.

As the name suggests, customers who can exchange their defective units from September 16 to October 2. Given that these said customers purchased their Note7 from any local telecom operators, authorized mobile retailers, Samsung Experience Stores, Samsung’s Lazada Singapore online store, and major electronic shops. Self-collection of the new devices in the same color is done by visiting the Suntec Singapore Convention & Exhibition Centre or by having it shipped in your home.

If you are eager to get your defective unit exchanged, follow these simple steps:

1. Go to samsung.com/sg/note7exchange and enter a preferred collection time slot. This link will only be live on Friday (September 9, 2016).

2. Booking period begins from September 9 and extends until September 25. Register yourself if you are eligible for the replacement.

3. You shall return your Note7 afterwards. Worry not about having no means of communication as courtesy devices will be available for loan while you wait for a better unit of Note7.

4. If deemed to be qualified, your warranty period will be extended to commence from the date of the exchange.

May these information ease your worries about your newly purchased Note7!

Source: Vulcan Post

How To Conquer A Mountain Of Debts

Hiking up successfully to a mountain of debts is a difficult task to anyone but, it is doable. All you need to get started is the application of money management skills.

The first step is to take a hard look at your cash flow. It is important to track where your money is going through observing the previous months’ bank statements and receipts. If an expense category is not necessary then, reduce or eliminate it from your budget. This includes magazine or newspaper subscriptions, cable television bundles, postpaid plans, gym memberships, and so on. Doing so will force you to come out of your comfort zone and live by your needs.

Instead of frequenting the gym, you can visit the nearby parks freely to have a recharging jog. You may also view the publications and reading materials available at the library at no cost. Read more books about personal finance to supplement your journey.

Now, we move on to a type of debt that most Singaporeans fall for – the credit card debt. There were more than 101,000 delinquent debtors in 2015 alone. Not to mention, the largest accumulation of debt last year was a whopping $1,552,000!

Its pervasive nature gave rise to the importance of controlling our credit card habits. Begin by collating all your credit card statements. List down your current balances and corresponding interest rates. Put these in order by starting with the greatest interest rate and down with the least interest rate. Pay of the debts with the highest interest rates first as it will be the most beneficial move in the long run.

Create a realistic budget that incorporates what you discovered about your cash flow and your debts. Stick with this budget! When all these are said and done, it is important to maintain healthy financial habits. Keep yourself motivated by setting financial goals. Sharing your progress to the significant people in your life can encourage you even more. You may also make an illustrated board (e.g., filled with pictures of your dream house or vacation) to visualize your goals.

Image Credits: pixabay.com

The road ahead may seem impossible at the moment. So, you better hang in there!

Frugal Mums’ Guide To Saving Money In Singapore

Here are five ways to save money as the head of the household:

SHOP ONLINE FOR SCHOOL SUPPLIES

There are many retailers that offer promotions and clearance sales on their own websites. You will not save money on the supplies but you will also save a lot on gas or transportation costs. If you have the time, purchase online.

Lion Stationery and Evergreen are the two local stationery websites you can visit.

LEAVE YOUR KIDS AT HOME

If you have the option to leave your children behind with a family member or a babysitter then, do so. Children play a huge role on what goes inside your basket. This is why marketers and store strategists put their items on a child’s eye-level.

You do not have to give in to what your playful kids wants if you go to the store alone. This will help you to save a lot more money!

Image Credits: pixabay.com

MAKE A LIST AND STICK TO IT

Say you have no choice but to bring your precious little ones along. Turn grocery shopping into a fun task by making a game out of it. Start by planning your menu throughout the week. Then, list down the ingredients and other products you need to purchase. Save more money by opting for the generic or store brands.

Have your children find each item on the list (much like a treasure hunt). The person who finds the most items at the end of the shopping trip will win a prize. It is up to you to choose which prize will entice your children.

SAVE ON KIDDIE PARTIES

You are not forced to send invites to everyone in your kid’s entire class. If your budget does not allow you to invite your kid’s entire class, employ the “age plus one rule”. For example, you are planning to throw a party for your 6-year-old son then, invite 7 guests. Keep the numbers down by making it clear that the guests’ siblings are not invited.

Aside from that, you can forgo printing services by sending out electronic invitations through Facebook or email. This gets the job done – fast.

STOCK UP DURING GSS

An easy way to save money in Singapore is to take advantage of the “Great Singapore Sale”. This event which happens once a year includes numerous retailers from all over the nation. Bargain hunters like you can get good deals on baby clothing, child’s school supplies, toddler’s toys, and so much more. Stock up on these items to cover your annual needs but, do not go beyond your budget!

You may also buy several gifts to be prepared for the upcoming festivities (e.g., Christmas or Chinese New Year).

Image Credits: pixabay.com

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