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Archive for July, 2014


How to Handle Missed Credit Card Payment

You have credit cards but you miss payment last month for reasons you only know. You are not alone. Here in Singapore, according to the Credit Bureau Singapore (CBS), a large number of people missed payments on their bills last year. The role of CBS is to deliver bank information to fortify their risk assessment.


CBS found out that about 14.64% of clients missed at least payment on their accounts in 2013. If you recently forgot about your credit card payment, you have to act immediately before the bank summons you. Here are some things that you should do to handle missed credit card payments:

  • Pay immediately: When you realized that you miss the payment, you should make the payment right away. Do not wait for the next billing statement. You should know that creditors will report your delinquency after 30 days so do not wait for the next statement. If you have money, pay it.


  • Ask for leniency: You have to call your bank and ask for leniency if you will make a late payment. Creditors will be lenient to you especially if you are not a late payer by nature. There are creditors who will waive late payments if you ask for it.
  • Remember your due: The best thing that you can do is to remember your due date. You can put it in your smartphones as a reminder. You can even post the due date in your notebook. It will be up to you.  

If you cannot sustain the payment, you should let the bank know right away and have your card cut. It is better to consider debit card than credit card.



Questions to Ask Before Hiring a Painting Service Contractor

Your house could be the most expensive investment you have ever made in your life. That’s why it is very important to choose only the best when it comes to your house painting. Look for professional Singapore painting services provider to ensure top quality works. By doing that, you will know that your hard-earned lifetime investment is in good hands. However, before you start calling those self-proclaimed “professional” house painters, first know the basic questions to ask in order to hire the right house painting contractor.

Brushes and paint-roller on a colour guide

1. “Are you insured?”
The insurance will help protect your bases. If an accident happened at some point during the house painting process, the insurance will be able to protect both you and the painting services contractor. So if the answer to this question is “no,” then don’t proceed any further. Scratch the painter off the list and proceed to another one. The moment you get “yes” for an answer, that’s the time you proceed to the next question.

2. “How long have you been in the business?”
You need someone who has been in the Singapore painting services industry for several years. Years of experience highly matters in any kind of work. Being in business for years will reflect that the company is reputable enough to be trusted by many over a long time. To verify this, request for names and contact numbers of their past clients and call several of them. Ask questions like how the results of the contractor’s work are doing so far and how the company worked with you.

3. “What pre-painting procedures do you usually do?”
Good pre-painting procedure will greatly help in making the paint look better and last longer. This part is what painters usually skip if they’re working on a cheap budget. If you want a cheaper overall cost, you can do the pre-painting procedure yourself. Any level of pre-painting procedure is acceptable as long as you get everything off before the contractor starts painting.


4. “How long will the job take?”
The answer to this question depends on you. If you need the job to be done as soon as possible, then there’s no point in negotiating with a contractor who would only be able to start the job several weeks from now. Your patience and the urgency of the job will determine if you can wait that long. However, a painting services contractor that is going to take longer to finish the job for a more thorough and better results could be a good investment of your effort, time, and money.

5. “Who will work in my house?”
The person you negotiated with about the price and quality of work will probably not be the same person who will do the actual house painting job. Ask who the team leader is and the employees they will be sending to do the job. Also, ask what kind of skills training they have undergone and whether they have done background checks on these workers before hiring them. If possible, ask for certifications and proof of these claims to ensure that these people can be trusted as they will be working closely with you, your family, and your home.



Features of LinkedIn

You know about Facebook, Instagram or Twitter but you are not familiar of LinkedIn. LinkedIn is also a social network site but it is focused on your career. On April 18, 2014, the company announced that it has now more than 300 million members around the world. Its business orientation drew many people or members.


LinkedIn is based in Silicon Valley, California. It was founded in 2002 and it is available in more than two hundred countries around the world. LinkedIn is available in twenty languages to include English, Spanish, Turkish, Japanese, Malay, Indonesia, Korean, Tagalog and many more.

LinkedIn is a social networking site for professionals. The features include:

  • It can be used to look for a job: LinkedIn can be used to look for a potential job. You can use the site to search for business opportunities especially those that are recommended by someone in your network.
  • Employers can look for potential candidates: If you are looking for employees, LinkedIn can be maximized. The site will help you search for potential candidates. Employers can of course post job listings.


  • Members can post pictures: Members need to show that their account is not bogus. In line with this, LinkedIn allows members to post pictures of members in aid of identification.
  • Members can follow companies: Members can now follow the companies and get updates or notifications.
  • Members can bookmark jobs: Members can save or bookmark the jobs they want to apply in the future.
  • Members can see who visited their page: Members can know who visited their page. This is to give them idea who viewed their page and the profile of the employer or company.

Singaporeans can also benefit from LinkedIn. If you are interested, you can always sign up. You will know lots of Singaporeans at the same time you are extending your reach.