THE PAVILIONS PHUKET BRITISH INTERNATIONAL SCHOOL, PHUKET Kata Rocks
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Save money using a personal loan
Banks in Singapore have a variety of loans to cater to your needs. For instance, you will get an educational loan, car loan, housing loan, etc. You will notice that most of these loans have a specific purpose behind them. However, a personal loan is one such unsecured loan that can cater to any of your requirements. You may need a personal loan for the following reasons: Family emergency Medical expenditures Wedding Debt consolidation Education expenses Home renovation Types of personal loans in Singapore Personal instalment loan: In this case, you will receive upfront cash from the lender and you are required to repay the debt on a monthly basis over a period of time. This type of personal loan is used for medical emergencies and weddings. Credit line: Credit line refers to revolver credit. This means that money can be drawn and utilised according to your needs. The lender decides on how much money can be borrowed. You will only pay the interest on the amount and time you have utilised the money. Balance transfer: This is a type of loan that allows you to merge multiple loans (from different lenders) into a single loan. Some lenders even offer a grace period of 6-12 months for which no interest is charged. A balance transfer can be effectively used to consolidate your debts. How does a personal loan work in Singapore? If you have a good credit score, you can get a personal loan within a week in Singapore. Personal loans are unsecured loans. This means that there is no collateral involved. A personal loan will have a fixed rate of interest along with repayment periods. Most personal loans are also amortized. This means that your monthly instalment will also include your principal and interest charges. Benefits of taking a personal loan Fixed interest rates: Unlike credit cards, personal loans have a fixed rate of interest wherein you are required to make regular monthly payments for the said term (depending on the tenure of the personal loan). Unsecured loans: A personal loan do not require any collateral security and is easily available. However, you will need to utilise your loan responsibly and repay it to the bank. You will need to remember that personal loans are linked to credit scores. Faster availability: Upon applying for a personal loan today in Singapore, you may get it sanctioned within a week depending on your eligibility and credit score. The factors below will give you an insight on how you can save money with a personal loan: Lower the interest rate on your current debt If you have borrowed money from a lender at a higher interest rate, you can take a personal loan to clear your existing debt. For instance, if you have a loan that has a higher interest rate of 13%, you may take a personal loan (that has a lower interest rate of 6%) and close your existing loan that requires you to pay more. By doing so, you can save the interest charges every month. Also, personal loans can be paid back in easy monthly repayments at a fixed rate of interest. This will eliminate the burden of paying higher interest rates that you carry with other lenders. Use a personal loan for your side-business A business loan usually requires you to have a steady financial track record of 2-3 years. This also requires you to meet certain criteria including business registration for which you may be unprepared. In such scenarios, you can always take a small personal loan to start a side-business such as a blog shop or renting out your video equipment. For example, if you have taken a personal loan of S$2,000 for a tenure of 1 year, your monthly interest may be as low as S$200. Personal loans to update your skills/education You can consider taking a personal loan to update your skills and knowledge. If you land a promotion or get a pay hike for your skills, this may add up to thousands of dollars annually. Consolidate your debts from multiple lenders Different lenders may have different interest rates. When you have multiple loans that require you to pay higher interests every month, you can opt for a personal loan to assist you with this situation. For example, if you have taken a loan from 5 different lenders, you can take a personal loan from a single source (bank) and clear all your outstanding balances. By consolidating your debts, you can save money and also avoid paying huge interest rates to different lenders.

How to make money with Forex trading
What is Forex market? Foreign Exchange Market (Forex) is about exchanging one currency to another. Over time, people have learned to earn on a difference in exchange rates and such speculation has become a great source of income for many traders. After all, exchange rates are very unstable that makes a purchase and sale of currency a really profitable business for so many people. The currency pairs are the instruments used to conduct the trading process. (e.g. GBP/USD, EUR/USD, USD/JPY, etc) To become a trader, you need a willing to start and to open an account with a reliable broker. JustForex company is one of the trustworthy world leaders offering different types of accounts with beneficial conditions. Types of accounts. Which one to choose? There are several types of Forex accounts and depending on the conditions, you can choose the most appropriate one for you. If you have never traded on the Forex market, the most suitable option for you as a newbie is opening a Demo account. This account is absolutely free, as you use virtual money. It is created for you to practice trading and train your skills. Cent is also a kind of a training accounts, but trading is performed with real money. The difference is that the sum is much lower (it can be $10-15) than on a Standard account and the balance is displayed in cents for greater solidity. Standard account is one of the most popular among traders and usually the minimum deposit sum is $100. What to take into consideration while trading on Forex? A very important skill for a Forex trader is an ability to analyze what is happening on the market. There are 2 types of analysis for this: Everyday market overview - you monitor the market for key events that can affect the rate and take into account this information to apply necessary changes into your trading strategy. Technical analysis - you analyze what happened in the past, because the Forex market has a certain cyclicality. There is a great chance that history will repeat, so you will be able to predict the future changes to get a profit. A trustworthy broker is a key to success Most brokers are interested in your ability to make money from Forex trading. But you need to choose a trustworthy brokerage company to start your journey to the world of currency exchange. One of the world leaders on the Forex market is JustForex broker. The company has been working since 2012 and is trusted by millions of users from 197 countries. Start trading with JustForex is very simple. All you need is to open an account on its official website. Once you have registered, you can download the trading platform Metatrader 4 for free and try to trade. If you open Mini or Cent account with JustForex, there is no minimal deposit. So you can start with any sum you have and make a profit of it. Thus, Forex trading can be both your main source of income as well as an additional one.

Save with these 3 Steps when you shop online in Phuket
Living on an island has its perks but also its disadvantages. Yes we may very well have unlimited access to the sun, sea and pretty people everywhere but what happens when we need to shop for necessities? Unlike Bangkok, shopping malls are scarce in Phuket, with only a few big malls around. Because of this, most people have turned to online shopping. With the constant advancement in technology, shopping online is becoming much easier and accessible. It’s so easy and convenient that most people would rather shop within the comforts of their own home rather than brave the hellish traffic just to get to a mall. When it comes to spending money, we naturally look for ways to spend lesser. Ever came across those shopping coupons at the supermarket and feel overly excited to use them? Well, many e-commerce stores have those coupons too in the form of codes. In the West there is RetailMeNot, a marketplace which connects retailers with millions of shoppers by using coupons. In Thailand, we have ShopCoupons, the equivalent of RetailMeNot. With the help of ShopCoupons, we won’t need to scout for discount codes and deals because they already have it all! Here are the only 3 steps you need to help you save more: Step 1: Let’s use Zalora as an example. Start by typing shopcoupons.co/th into your search bar. Once the website pops up, search for the online store of your choice. You will be led to the store’s page on-site where you’ll be able to find tons of voucher codes and promotions listed down for you. You won’t have to worry about not being able to find codes and deals for your favorite store as ShopCoupons is prominent in Thailand and a reliable source which also features other big e-commerce stores in Thailand such as Lazada, Konvy, Central and more.   Step 2: Pick the code or deal which tickles your fancy. For example, if you were to be interested in the 8% OFF code, just click on “get code”. The good thing about ShopCoupons is that you would never have to worry about random ads following you everywhere while you’re trying to navigate across the site so you’ll be able to browse for the discount code or deal of your choice in absolute peace. Also, ShopCoupons is completely free to use. You don’t even need to sign up if you don’t want to. Just pick the code of your choice and we’ll tell you what to do next! Step 3: Finally, the moment you click on “get code”, a pop up window will appear – don’t close it because it isn’t an ad! Copy the code shown on this pop up window and use it upon checkout at Lazada’s checkout page. You will then see an adjustment in the total amount payable which means your promo code is working just fine! If you shop at a certain online store often, we recommend making that store a “favorite” and subscribing to their newsletter. You’ll be the first to know once the freshest codes are out! But wait, what if you can’t read Thai? No worries, most of the codes and promos in ShopCoupons are in simple Thai and can be easily translated via Google Translate. Although the savings may seem little, little does go a long way and you’ll eventually be able to see the total amount you’ve saved in the long run. Smart shoppers strike while the iron is hot and they don’t let any opportunity to save their hard-earned money slip. Be a smart shopper and happy online shopping!

Five E-commerce Business Models Destined to Rule Thailand in 2017
2016 predicted Thailand’s e-commerce boom and it has been forecasted that in 2017, internet users in Thailand will make up 50 percent of the population compared to last year’s 43 percent. Once plagued by a shaky foundation of uncertain payment settlement systems and a faltering mobile infrastructure, it seems Thailand has overcome that hurdle and in 2016 became Southeast Asia’s fastest growing e-commerce market. With a retail market that is expected to reach 3.21 billion by 2020 - according to Euromonitor International, Thailand is without a doubt carving its niche within the world of e-commerce. Fueled further by the launch of 4G services, it seems a path has been paved for numerous online retailers to up their game and offer greater formats of product distribution to an internet-savvy pool of consumers. Here are five types of e-commerce business models that are currently taking Thailand by storm. Meal Delivery Sites With the clean eating craze going strong - particularly in cities - healthy food delivery websites are becoming an increasingly popular business model. Offering healthy alternatives that run from organic to vegan to low-calorie and non-processed foods, the success of these websites can be attributed to the fact that they offer to take away the hassle thought to encompass healthy eating, aka grocery shopping etc. By eliminating these factors, the popularity of meal delivery sites can only grow exponentially. Online Deal Platforms Capitalising on the Thais’ love for a great deals, the humble coupon is back and stronger than ever. With online deal platforms such as Saleduck offering coupons and deals from powerhouse retail websites like Lazada and Expedia, consumers are able to find money-saving deals on everything from electronics to groceries to first-class airline tickets going for up to 80% off. To set themselves apart from competition, deal and couponing platforms often work closely with their partners to release exclusive codes to provide even greater savings to their customer base and the fact that most of these codes can be accessed without a fee is the icing on the cake. Social Media Shopping In 2016, PWC’s Total Retail survey noted that 51 percent of online shoppers in Thailand shopped directly through social media platforms such as Facebook and LINE citing interactivity as a strong motivator. Whilst price and convenience play a significant role, the driving force behind social media shopping can be linked to the stream of human connectivity that takes its form in reviews, comments and feedback that comes via social media. 53 percent of social media consumers said that customer reviews are what influences their buying decision.  C2C Mobile Shopping Following in the same vein as social media shopping, C2C is also cited as one of the next big things to emerge in Thailand’s e-commerce ecosystem. The person to person interaction is an element that serves as the heartbeat of successful C2C platforms such as Pantipmarket and Tarad.com. Over 50% of online transactions being performed via mobile phone in Thailand, this is expected to further push consumer-to-consumer shopping further into the limelight.  Digital Content Websites From mobile gaming to SVOD, Thailand’s digital revolution has certainly altered the ways in which people consume content. With over 10 different paid platforms for Thais to choose from including iflix and Doonee, Thailand’s affinity for mobile internet use plays a role in how we choose to consume content via digital platforms. In the world of gaming alone, major telecom operators in Thailand have announced strategies in acquiring digital content and games in an effort to meet the rise in demand.