How to win $1000 in 4D and Toto – It Works Every Time!

4d queue
Queuing to give ang pows to the Singapore Pools during Chinese New Year

A survey in 2011 by the Ministry of Community Development, Youth and Sports (MCYS), showed that nearly half of Singapore residents participated in at least one form of gambling activity over the past year. The most popular form of legal gambling in Singapore is 4D, followed by Toto. Both of these can be purchased from any of the over 300 Singapore Pools outlets islandwide. The minimum a person can bet is $1. And just last year, one lucky customer walked away with a jackpot worth $5 million. So how can you easily win $1000? (more…)

Is There a Cost to Working?

Operating costs in business
Considering your operating costs, how much do you really earn?

Everyone knows that there are operating cost in running a business. But rarely do people consider how much is actually spent on their own personal overhead, that is, the cost associated with working (or other money-generating activities). For many businesses, how overhead is managed and controlled is often what makes or breaks their bottom line. Many important business decision are based on minimising operating costs. Yet so few people consider what their own personal operating costs are. Or whether these costs, compared to their earnings, make their income-generating pursuits worthwhile. (more…)

The Myth of Home Ownership in Singapore, and Why I Choose to Rent

Owning vs renting a home
Do you really own your home?

Although I own properties overseas, I am a renter here in Singapore. People keep telling me that “renting is just like flushing your money down a toilet”. When I ask these people whether they rent or own, they proudly proclaim “own, of course!” But do they really own their home? Most people who purchase a home, do so with a mortgage. This is the same as renting, but instead of renting from a landlord, you are renting from a bank. And do you know what the word “mortgage” means? (more…)

Get an Entirely New Wardrobe – for Free!

Swapping is the new shopping.

Over the years, most of us have amassed a collection of clothing that they simply do not wear anymore. These items typically will remain in a our closet unworn for years until they are eventually disposed of. Instead of having these clothes pile up, and take up precious wardrobe space, why not exchange them in a swap. On April 5th and 6th, 313 @ Somerset will be holding its annual Green and Gorgeous Fashion Swap