Showing posts with label money saving tips. Show all posts
Showing posts with label money saving tips. Show all posts

23 August 2009

Singapore InvestFair 2009 - Kishore PowerUp Capital Review


I went to the investfair at suntec and it was not as crowded as PC Fair, which was a good thing. However, most of the people there seems to be interested in collecting freebies and are of spill over crowds from the job fair in the next convention hall.

First talk i attended was the options talk by optionxpress, which i say, bored me, because i haven had a single irk what the speaker was speaking about, and knowing that it is something like stocks with limited holding periods.

And i went off for a forex talk by Kishore M from PowerUp Capital. This guy certainly can talk. Well, he seems like a motivational speaker to me and had a marvellous tongue. During his 1 hour talk at seminar 2, he shows video testimonials of his students praising him, rather than information with the crowd.

After his 1 hour seminar, i learnt that he had a mini ballroom with a 2 hour talk, which i went, feeling pretty excited that i might be able to snatch a tactic or so from the guru. A free booklet and CD was given to people who attended the close door seminar.

The close room talk to me, was similar to the open seminar conducted by him in the main hall. This close door seminar was more of a sales talk than educative talk which i was expecting. A lot of testimonials were shown to lure you to sign up with the course.

He informed the public that he will be sharing 4 of his trading methods. Which he did share, with extremely vague description.

Something like,

Tactic 1 : ABC DEF of trade
with a 1 line description.


His sales talk, was #1! He will slowly sway you into the final action, which was to sign up for his course, asking you to perform small persuasive actions which you will not have noticed.

His favorite question to us, "Yes or Yes" , never a yes or no. "True or True", Never a False ~_~

The course fee was just "affordable", in my humble opinion, at S$328/ month for 1 year. The first fifteen people that signed up will get a netbook free with all the charting software. and US250 in their trading account. Marvellous deal, am i right?

Considering the cost of a netbook at around S$600 and USD$250=~350, we will get a discount of $950 off. Which reduces the final course fee to S$2986. Seems like a valued course for forex courses which usually lingers around the range of S$4k

I almost signed up straight on the spot, til to his excellence sales talk. Since sunday is a last day to sign up, me as a typical human, procasinate on my actions.

Upon reaching home, i read the booklet, which provides 4 pages of basic forex information, and the rest? Kishore M's and his company's achievement as well as his other internet marketing business.

The CD? It provides information on 1 forex strategy, and some links to account opening and his 85 pages book "Get Rich Young Book" Pretty useful basic information again.

And being the online person, i google for "Kishore M review" and "Powerup Capital review"

Guess what i find? Try Googling yourself (=



29 July 2009

Living on a Budget

Saving money when living on a budget


When you are short of money and your income is getting low and you are trying to save every single cent, you are living on a budget. Yap, I am living on a budget now.

And pretty much reduce my expediture during this 2 months. And you do not have to cut down on the luxuries in life.

Heres what i did.

Electricity
- For computers, switch off the LCD monitor if you are not using it, as LCD comsumes a lot more electricity than the CPU.

- If you are planning to boils lots of hot water, do not use the electric kettle to boil as the electricity consumed is huge compared to boiling using gas.

Battling hunger
- When you are hungry in between meals, skip the junk food. Instead, i purchase cornflakes and milk to go along.

- In the supermarket, go for the house brand which is usually a lot cheaper than the branded cornflakes like Kellogs. Compare the ratio of "weight of cornflakes / price" The higher the ratio, the better.

For the milk, unless you have a cow or goat at home, you have no choice but to buy from the supermarket. For this, go for the favor you like, as milk gives the taste of his meal.

For more variety of taste, choose different flavors of cornflakes.

For me, a $10.40 (1litre of milk x 4) and $4 (cornflakesm largest packet) is able to last me around a week plus if i eat everyday, on somedays, twice a day.

Considering that packet of flakes and milk is able to last me for estimated of 15 mini meals, the cost is only $1/meal. Add in the 3 minutes of washng and the cost of water needed to wash the bowl and spoon. $0.10

Still much cheaper and healthier than junk food? (=


Main Course
Eat from hawker centre or food centre, or preferably, cook your own. Since i am only adept in cooking instant noodles with egg. The cooking method is definitely not suitable for me. However if you are good in cooking, use this method.

The downside? Washing oily plates.



From the above, my spending is as follows.
Averagely, my meals cost around $10/day x 30days + $15 x2 (cornflakes) and it works out to be $330/month

Cheap? For me certainly is. It could go down even lower if i stock up some food and cook it myself at home.


** Note, the monentary value quoted are in Singapore Dollars


18 July 2009

Simple Money Saving Tips

Recession?

Not for China, but since we are not living in China. We are still in a recession!
Here are some simple money saving tips from an article i read named "DIY way to beat recession"

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While it may be the easiest thing to have your clothes washed, dried and pressed at the laundrette or send your car to the car wash, it may not always be the cheapest option.Here are some tips for recessionistas to undertake simple tasks without burning a hole in their pocket.

PAMPER ME

WE all love spending an afternoon at the spa. But it doesn't have to cost a bomb if you know how to do it in the comfort of your own home and when everything you need can be found in your kitchen!


Start by boiling a kettle of water. Then break an egg and separate the white. Cut two slices of cucumber.

While waiting for the water to boil, wash your face with a cleanser. A foaming cleanser would be better as it would remove oil and dirt more effectively.

Start by boiling a kettle of water. Then break an egg and separate the white. Cut two slices of cucumber.

While waiting for the water to boil, wash your face with a cleanser. A foaming cleanser would be better as it would remove oil and dirt more effectively.

Once the water starts boiling, pour it into a basin large enough to cover your face. Gently lean over the basin and allow the steam from the hot water to open the pores of your skin.

It is more effective if you put a towel over your head and not let the steam escape. Take care not to burn your face; keep your face a few inches away from the basin and let your face steam for about five minutes.

Next, take the egg white and rub it all over your face, except the eye area. You will feel your skin tightening. Don't worry because this is normal. Lie down and place the cucumber slices on your eyes which are excellent for dark circles and eyebags. Leave the egg white and cucumber slices on for about 10 minutes.

When done, throw cucumber slices away and rinse your face off with warm water and then wash again with your cleanser. Your skin should feel tightened, refreshed, and revitalised.

You can also substitute the egg white mask with a mask made of yoghurt, turmeric, honey and oatmeal if you have dry skin. This mask would also help exfoliate skin and draw out impurities.

Tip: Take an ice cube and rub it all over the face first thing in the morning. It is an excellent pick-me-up.

LOVE YOUR LAUNDRY

DOING the laundry is something most people dread. With laundry services available in almost all neighbourhoods, it's easy to just drop off your dirty laundry and pick them up, all clean and crisp a few days later.

Although bigger and heavier materials such as curtains, bedspreads and blankets can be sent to the laundrette or to the dhoby, shirts, T-shirts, shorts, long pants, blouses, skirts and even dresses can be easily washed at home. Imagine your washing machine as your personal laundromat.

The first rule of doing laundry is to separate the whites from the coloureds. You don't want to see your white shirt turn pink from the colour that ran from your red blouse. Similarly, soft fabric such as silk, wool and lace should be washed separately.

Also, sort materials that produce lint (those clinging bits of fibre or fluff) such as towels, flannel and chenille. These tend to stick on other clothes if washed together.

Remember that some undergarments, especially underwired bras, are best hand-washed so that the wires do not get twisted or mangled.

Don't forget to empty pockets of coins, handkerchiefs or facial tissues. Coins can sometimes dislodge in the washing machine while facial tissues shred into a million bits and stick to other clothes.

If stains are obvious on clothes, spray stain remover or rub some liquid detergent on the stains before putting them into the wash. Always turn clothes inside out to prevent colour fading.

Add the right amount of detergent according to the washing machine instructions or measurement specified on detergent packaging.

Wash soft fabrics in the soft wash cycle. Wash in either hot or cold water according to care instructions on clothes' labels. If you don't have a dryer, just hang them out in the sun, once again turned inside out, until they're dry. Don't leave them out too long as colours fade faster.

HOUSE CLEANING FOR DUMMIES

THE most basic thing when it comes to house cleaning is taking care of the floor.

With a bit of 'coaching' anyone can mop and clean pretty decently.

Give the rooms a good sweep before mopping. This will remove the grainy and sandy particles, not to mention the hair and dust clumps that will stubbornly refuse to disintegrate no matter how rigorously you mop. This will also save you precious time later when you have to clean the mop.

You need a bucket of water, a good mop and some floor cleaner (preferably something bio-degradable) to get the job done. Mopping with just water will not remove any grime nor disinfect the floor, so I would advise against it. Also, make sure to follow the correct ratio of water to floor cleaner, otherwise, you'll end up with a very soapy floor that may need to be wiped down with water. It's certainly a hassle you can do without.

Wring the mop off excess water, grip the handle like you would a hockey stick, and mop away. After a dozen or so swipes, rinse the mop in the bucket of soapy water and continue mopping.

When the water looks murky, change it. It's also a good idea to keep the fan on while you mop. That way, you'll get to enjoy some cool air as you work, the floor will dry faster and there's less chance of finding dirty footprints on the pristine floor later.

FIX THAT FAUCET

THERE is nothing quite as annoying as having a leaky tap in the dead of the night. But why burn a hole in your pocket hiring a plumber when you can do it yourself at a fraction of the cost?

All you need is a new tap washer and a wrench or spanner.

Start by turning off the water supply, either at the mains or at the tap head nearest to the leaky tap. Then turn the affected tap fully on.

Unscrew the tap head and remove the top of the tap. You will find the washer (a small ring-like rubber piece) fitted loosely inside the tap. Replace the old washer with a new one. Screw the tap head back on.

Turn on the water supply at the mains and when the water flows through the affected outlet, turn the tap off. Check for drips and leaks. If the washer was the problem, there shouldn't be any more drips or leaks.

The advice from professional plumbers is not to over-tighten the tap when turning it off as this can damage the washers.

And if you have a clogged kitchen sink, a simple sink plunger will solve your problem.

Block the overflow holes and other openings by stuffing wet rags into them. If there is no water in the clogged basin, run about 8cm of water over the drain hole, place the plunger over the hole and force it down several times. If the water still does not flow properly, repeat the process until the water in the sink flows down the drain smoothly.

As some food debris will inevitably get washed down the kitchen sink, it's advisable to pour a kettle of boiling water down the drainhole once a week to clear the pipes.

WORK OUT WHILE YOU WASH

CONTRARY to what many might think, washing your own car can be quite fun. What's more, you save about RM12 and get a good work-out to boot!

All you need is car shampoo, a car wash sponge, two pieces of soft cloth - not terry cloth towels because the fibres cannot pick up dirt - a pail and water.

Choose a shady spot to wash your car. If you cannot find one, the best time to do it is early in the morning or late evening. It would be less hot then.

Start by hosing down your car with water to remove grime and loose debris.

Mix the shampoo with water in a pail - follow the instructions on the bottle - and with a cloth or soft sponge start covering the entire body of the car with the shampoo solution.

It's easier to start with the roof. Stand on a stool to get to the hard-to-reach places. Work your way down the car, washing the windows, doors, the bonnet, bumper and lights. Then rinse the foam from the top down, using a gentle stream of water. Lastly, don't forget to wash the wheels, hubcaps and sides of the tires and then rinse thoroughly.

When you are done with the washing and rinsing, it is important to dry your car to prevent water spots. Water spots are caused by mineral deposits that etch the outline of a drop of water onto your vehicle's paint.

You also need to wipe the water from inside the trunk, hood and doors and other hidden areas; otherwise water will drip in and leave spots.

If you feel like it, you can vacuum the interior of your car.

Now that is done, you have a clean and sparkling car. It may be hard work but the end result is satisfying.

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Hope the simple money saving tips works well for you!

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