by Steve Wolf | Dec 10, 2016 | Lifestyle, Travel
Constantly looking for sales in Singapore? Do your ears perked up and also eyes gleamed when you see discount rates or warehouse sales current? Well, there is absolutely nothing incorrect in that due to the fact that every Singaporean likes an excellent sale!
Exclusive online sales clubs have found their location in Singapore which offer huge discounts in their day-to-day sales because basically, there are a lot of bargain seekers in Singapore, an area that seems to be having sales throughout the year. From tiny retail electrical outlets to established chain store or countless blogshops and also private on-line sales club, customers remain in for a great price cut almost everywhere.
Sales in Singapore are seasonal in nature. Considering the end of the year, brand names will be getting rid of stocks as well as this corresponds well with the yearly Singapore Christmas Sale that is embraced by every brand name and also store as they capitalise on the Christmas buying. As soon as that is done, we get to completion of period sales as well as in Singapore, consumers are not decreasing even after their Christmas shopping spree as a result of better discounts.
As Singaporeans commemorate the New Year with aplomb, one expects the shopping euphoria pass away down however the begin of the year just brings after even more anticipate shoppers in Singapore. January still sees several stores clearing their stocks and also holding last price decrease sales. While they are bringing in brand-new collections, it is these period where brand names get ready for the Lunar New Year with just what else, the Lunar New Year sale !! With most of Singapore’s populace composed of the Chinese, this is one sale that will see lots of earnings for sellers.
It gets much better as completion of May gives Singaporeans what is perhaps the biggest and most awaited sale in the fiscal year; the Great Singapore Sale! Beginning at the end of May as well as running all the means through July, this mega sale is an island-wide event and also almost every brand name as well as shop will be whipped into this whirlwind of big price cuts, severe decrease of rates as well as absolute deals.
You could be sure that on the internet shops are not lost in all this, with the discount rates in their everyday sales easily matching a few of the biggest bargains you could discover in the stores. Yet this is just the tip of the iceberg in terms of clothing sales, as there are customer electronic sales in Singapore such as the Harvey Norman Sale, Courts Mega Sale along with the huge IT Fairs that occur as soon as every 3 months.
by Steve Wolf | Jun 7, 2016 | Business, Lifestyle, Travel
In my last blog I wrote about the Joy’s and freedoms of working remotely. If you missed it, read it here! This will give you a little better context of what I am writing about in this 5-Step process to finding the perfect remote job to keep you traveling and experiencing the world all while making money from your lap top.
Here is my 5-Step Process.
1 – Find a job, skill, or way that you can actually do that will produce income with out you physically needing to be there.
This is going to be your most difficult task. You may be saying to yourself “well I am a doctor, how could I possibly practice medicine from a laptop?” Well this comes down to how resourceful you want to be. My dad is doctor, a Podiatrist to be exact and he has been looking into what is know as “tele-medicine” which is basically on call and on demand video conferencing from doctors to patients. Say you have a foot problem, you go on the site, set an appointment, my dad would accept it, you are instantly connected, he gives your advice and recommendations and your done. The system charges the patients credit card and they go on their way. Booya, there is a way a doctor can work 100% remotely. You may be surprised what you find if you really start thinking of all the different ways you could monetize your skill sets right from a computer from anywhere in the world, don’t worry, we will get to that in number 2.
2. Get really good with technology.
If you are going to have any chance at being an entrepreneur on the road, then you are going to have to get really good with leveraging technology and automation. What do I mean by this. Well put it this way, I can pretty much run all of my business from my iPhone. Everything from a CRM to a VOIP telephone system that allows me to communicate effortlessly through WIFI any where in the world. This means that if you are planning on getting in to a business that has to ship “real” goods and logistics as well as a customer service dept. will be necessary, than you are going to have your work cut out for you. I am not saying that it is impossible, just going to take a couple extra steps of strategic planning and utilization of technology that automates the process.
3. Simple is better.
A good business is not necessarily a complex business. I would consider a solid business to be one that is profitable, allows you to live the life you desire and takes care of it’s employees and it’s customers. Some of the best businesses that I know of were born out of the simplest ideas or needs by a consumer. Take for example the work we do at the FX365 Institute, we teach people how to trade currencies all over the world from office in San Diego. We have students in 20 U.S. States and 4 countries that take our course 100% remotely and learn a skill set that allows them to make money in the foreign currencies market anywhere in the world from a laptop. Don’t over complicate this part. The less you need to run your business, the better off you will be.
4.How much do you really need to make?
My favorite part of explaining these concepts to people is conveying the fact that a business only needs to make you a “enough” money in order for it to change your life. If you added up all of your expenses annually, and then added in the costs to live in another country or to travel a couple months out of the year I think you will be surprised to find that you don’t need to make $300K per year to achieve your goals. In fact, I have been able to travel about 2 months out of every year for the past decade making around $100k per year. The best part is that I only really needed about $60K to sustain so any extra money that I make on top of my yearly nut goes in to savings and investments. This allows me to stay diversified, active in the markets using online portfolio managers, and open to new ideas and businesses while I can keep the quality of life I have come to enjoy. The point is to make enough and then a little more. You don’t need to be a millionaire to pull this off.
5. Multiple Streams of Income remotely
I know you have heard this one before, but maybe not through the lens of doing it remotely. Every book I have read on this topic is about real estate and multiple businesses that would require you to physically be somewhere to manage those streams. When you start to venture down the road of working remotely you start looking at businesses in a whole new light.
I have come up with a couple of questions that I use to test the remote possibilities of a business. These days, if they do not get passed these questions with a yes, then I am probably going a different direction. I wrote two articles that may give you more context when it comes to working remotely, follow the links below to check them out:
by Steve Wolf | May 29, 2016 | Business, Lifestyle, Travel
Do you ever dream of being able to run a business from anywhere in the world? Have you ever found yourself looking online for different ways you could travel abroad and somehow make an income while you were half way around the world.
Over the past decade I have been perfecting this skill. The truth is that it is not as easy as it sounds. This is especially true if you are used to a 9 to 5 standard day job. The dream of one day quitting that job and breaking free from the chains of the corporate world can be elusive and fleeting.
When I was 22 I left the country for the first time. I had always wanted to travel but I was a troublemaker growing up and spent the later part of my teen years in rehab getting sober. By the time I was 20, I had been sober for a couple of years and my life was back on track, so I decided to leave America and embark on an adventure.
I signed up for a study abroad trip to Spain, paid the money and prepared to leave home. To be perfectly honest, this trip wouldn’t be my first time out of America, I frequently went to Mexico in my teen years growing up in San Diego. None of my trips to Mexico had any real cultural importance. In fact, I don’t even really remember what transpired during most of those trips and never really made farther the the Tijuana bars on Revolution Blvd. This trip was going to be different, I was with college kids, and there was some structure, so I figured that was a good place to start.
I remember getting off the plane in Madrid. I was bustled away from the group with my host mom who didn’t speak a lick of English and was given a room in her little apartment. I was super jet lagged and had never been on a flight that long in my life so I passed out immediately. When I woke up it was dusk outside. I walked down the 4 flights of stairs and sat out on the side walk in the neighborhood I was staying in listening to all of the sounds of the city and taking it all in. The smells, the cars, the food, everything was different, I didn’t know anyone around, and I was far from home. I was in LOVE.
This first encounter of Wanderlust was intoxicating to me. I vividly remember it and I was so grateful to be in that moment experiencing life again in a new way for the first time.
I thought to myself, what if I could do this all of the time, what if I could just travel a lot? It was sometime on that trip that I decided I was going to need to find a line of work that was going to allow me to do this. About a week before the program ended, I told my professors running the program that I wouldn’t be accompanying them back to America, and stayed in western Europe an additional 4 months traveling around Spain, Italy and France.
Once I ran out of money, I came home. At that time I was running a Mortgage office which surprisingly was still standing after my almost 5 months of me being gone. It didn’t matter though because I came home in September 2008 just in time to watch the housing market collapse completely. I was screwed. I had done really well for a kid who dropped out of college to get rich but it was all back firing now and traveling was the last thing on my mind.
After the dust settled I was about $190,000 in debt and in need of a new career. I had decided to go back to college a year earlier and had about a year and a half left for my undergrad degree so I figured I would spend the next 2 years finishing college and finding a career that would set me up to travel the globe and make money while I was doing so.
The first business that I found that worked really well for me was multi-level marketing. It seemed like a great fit, I was recruited in to a company being sold the dream that if I spent a couple years working hard at building an organization, it would eventually take off and continue to pay me residually. This was PERFECT. I could build the business for a couple years to about $100K per year then disappear to Indonesia
For a first timer in MLM, I did incredibly well, and I build that $100k per year income in a short amount of time but it was short live. The first company I was with asked me to leave and the second company I joined eventually went belly up. Also every time I would leave the country on a trip, I found myself on my phone or laptop the whole time putting out fires and that was just plane stupid.
When I finally walked away from the industry I decided to put my entrepreneur hat back on. I had raised some money for a tech start-up and was actively learning how to trade currencies in the FOREX market.
I never lost site of my desires and dreams of being able to make money from a Laptop; I just needed to be a little more resourceful. I found that as long as I can offer real value to a client even being a great distance away, that my capability to earn money anywhere where I was in the world would be there.
So over the past 5 years I have been doing just that. Most of the consulting work that I do is never from an office, maybe my home office. I do keep an office at the Currency trading school that I have a long-term contract with but they have always been cool with me leaving and making my own schedule. Again, I attribute that leniency to the results I am able to deliver. The moral of the story is that there is a million ways to make money and add value to a person, place or business, however you need to be resourceful if you are going to do this from a laptop half a world away.
I have put together my top 5 tips to finding your own way to take your business on the road with you for good. Read “Top 5 Tips to Working remotely.” To see what it’s all about
by Steve Wolf | May 15, 2016 | Business, Travel
If you are like me and are a nomad traveler that works remotely then having a working smart phone is an absolute must. Aside from getting work emails, checking the market and other tasks that you may use your smart device for on a daily basis, your phone is the most incredible travel essential for a remote nomad.
Imagine being in Viet Nam for the first time and you need to rent a scooter to find your hotel you booked on kayak, well imagine if you could get turn by turn directions from your iPhone with out having to ask a sole for directions.
Or, what if you are in Indonesia for the first time ever and are trying to haggle with street vendors to buy a shirt or exchange American Dollars for Indonesian Rupiah but you have no idea what the exchange rate is? Imagine being able to jump on to the XE currency app and know exactly what your $20 USD is actually worth.
Smartphone owners spend an average of more than three hours per day using their devices. That doesn’t necessarily stop when they go on vacations or work trips outside of their home countries. But if it’s not done right, international mobile internet access can be sketchy and it can cost a lot.
Here’s everything you need to know to get affordable access to data while abroad.
Find out what you’re working with
International roaming has gotten easier and cheaper over the past few years, but some older phones may still have issues. The vast majority of smartphones in the world run on a common type of network called GSM, but some older phones from the US and other countries use a different, incompatible technology called CDMA, which could limit where they might work. (Most newer phones sold by CDMA carriers, including Verizon and Sprint in the US, are “world phones” that can use GSM networks.) When it comes to newer, faster “4G” networks, most operators use a format called LTE, which has other compatibility issues between wireless bands. But roaming often still happens on older, slower networks.
If you know your phone will work where you’re traveling, next check to see if your phone is unlocked, which would allow you to switch SIM cards to another operator. Many carriers still lock phones to their networks, especially when they subsidize the price. In the US, nearly all Verizon Wireless smartphones are sold unlocked. Some providers, such as Vodafone in the UK, also need to be told if you’re leaving the country, so make sure to check if you need to let your provider know before you leave. If you bought your phone unlocked, or have unlocked it through an unlocking service, then you’re all set.
Figure out what your provider offers
Most mobile providers have international partners and offer international calling and data plans. And while they continue to come down in price, most are pretty expensive—and some are absurd. In the US, for example, AT&T charges $30 for 120 megabytes of international data use—which could last hours or days, depending on your mobile-data frugality. Sprint is worse, charging $80 for just 85 MB of international data. WIND in Canada charges C$8 ($7) per day to lower its international data rate to C$1 per megabyte—which is still rather expensive. The worst are plans or countries that still charge very high amounts per megabyte. In the United Arab Emirates, for example, Verizon Wireless still charges $20.48 per megabyte, which is prohibitively expensive for almost all uses.
Some providers offer a flat daily rate for international use, on top of regular charges. Vodafone in the UK charges £5 ($8) extra a day when you use its phones abroad. The European Union recently slashed data maximum roaming rates allowed across the region, so if you’re traveling from one EU country to another, you can find out the maximum that your provider can charge you.
There are a few providers that have international roaming—to select countries—included at no cost in their plans. Recently, T-Mobile in the US started offering unlimited roaming to over 120 countries, with the catch that download and upload speeds are capped at slow speeds. (It’s fine for most uses, including email, maps, and social media, but it won’t work for video or VoIP calls. But you can pay more for faster speeds—$50 for 500 MB over 2 weeks.) Three in the UK offers free roaming in some other countries, such as the US, France and Australia. Japan’s SoftBank recently launched a promotion that allows customers to pay the same rates when using Sprint’s US network (which SoftBank owns.)
Buying a phone abroad
If all you want to do is make calls while you’re abroad, there are some countries where you can buy a cheap pay-as-you-go phone. In the UK, you can pick up a simple phone for just 99p ($1.50). Some of them even have some amazing Siri-like features. In most countries, however, the cheapest phones won’t be less than about $50, so it would make sense just to stick with getting a new SIM-card for your own phone, or using a Wi-Fi-calling app on your smartphone.
Buying a SIM abroad
If you’re going to be somewhere for more than a week, or plan to use a lot of data, it may be worth buying a local SIM card. At London’s Heathrow Airport, for example, you can buy a variety of SIM cards from vending machines after baggage claim.
For the best deals, you’ll be better off heading to the local high street or mega-mall. With Vodafone UK, for example, you can buy a £10 ($16) top-up and get 500 MB of data and 100 minutes that you can use for 30 days. In France, Orange sells prepaid SIM cards at its stores, and 500 MB data top-ups for €10 ($12). If you’re visiting the US, T-Mobile offers prepaid SIM cards for $10, with an option to pay by the day for unlimited data for $3 a day. In Japan, B-Mobile offers relatively inexpensive data-only service to foreign visitors.
Some providers, like Three in the UK, also offer short-term contracts that you can cancel after the first month that are equally affordable. Just don’t forget to cancel them when you leave the country. China Mobile offers a SIM that works in Hong Kong and mainland China for 90 days for HK$120 ($15).
Some countries have mobile resellers, like the UK’s Carphone Warehouse, which will have options for multiple mobile providers. Find a sales representative and ask them to help you figure out which option works best for you. If the country doesn’t have resellers, many will still have standalone stores for each mobile provider. If you’re buying a SIM for your phone, figure out which providers are compatible with your phone before you go in. If you don’t speak the language, it might be helpful to write down some basic requests, like “nano-SIM, 1 GB data”—or look for their sales pamphlets.
If you’d rather have everything sorted out before leave home, GigSky is another option. For $19.95, they’ll provide you with a SIM that lets you access data networks in most countries. But their rates are generally higher than buying a SIM from a local provider.
There are some downsides to using a foreign SIM. Most notably, unless your phone has two SIM slots, you likely won’t have access to your home number, or calls or text messages that go to it. And certain services tied to your home number, including Apple iMessage and WhatsApp, may need to be reconfigured—an annoyance at best.
An O2 mobile store in the UK. Mobile stores are often clumped together, so make sure to shop around.(Reuters/Luke MacGregor)
Many countries ask for a passport for identification when you buy a mobile service. In some countries, such asSouth Korea and South Africa, it’s difficult to purchase any mobile service without a local address or a visa that lasts longer than 90 days. If you have a friend in the country you’re visiting, ask them if you can use their address to sign up for an account. If you have no contacts, check to see if there are options to rent a phone from a local provider. Otherwise, you may have to rely on Skype and messaging apps over Wi-Fi, or whatever roaming your home provider offers.
Using your phone
Make sure to test out your new SIM card before you leave the store. Usually, you’ll need to restart your phone before the new service will start working. (Sometimes, it could take hours to activate—less ideal.) It’s a good idea to send a text or call someone just to make sure everything is working. You’ll also need to figure out the country dialing code for the country you’re in so that people back home will know how to reach you.
Penalty fares for going over data limits are severe on most carriers, so make sure to choose a plan that will cover the amount of data you’re likely to use while abroad. AT&T has a calculator to help you estimate how much data you use if you’re not sure. It’s probably best to avoid doing anything too data-heavy while abroad, like streaming music or videos, or downloading games.
Calling home will be expensive on almost any plan you purchase. You can check to see if the provider you’re using offers any international dialing plans that you can add on to your service. In the US, AT&T’s international dialing plan is an additional $5 a month. In the UK, you can add an international dialing package to a PAYG plan for £10 ($16). Alternatively, you can stick to Wi-Fi options, like Skype or Apple’s FaceTime.
There are also apps you can use to call from abroad. Roamer lets you make and receive calls from your regular number, even while you’re out of the country. Vonage also offers cheap VoIP calls through its apps for iOS and Android phones.
Other things not to forget
- Buy an adapter for your phone’s charger before you leave. It’ll be cheaper to do at a local electronics store or from Amazon than the airport.
- Download anything that’s going to be useful—city maps, travel guides, futuristic translation apps—before you leave, so you can use them to get around the city before you purchase a new SIM.
- Turn off data roaming or leave your phone in airplane mode when you land. This way you won’t get surprised with data charges from your local carrier.
- Make use of Wi-Fi at cafés and hotels. Many cities also have hotspot networks that you can join for a fee. There are also worldwide Wi-Fi networks like Boingo, but they’re often as expensive as buying a local SIM plan. Fon lets you join Wi-Fi networks around the world if you share yours at home.
- Both Android and iOS phones let you check how much data you’re using. On iOS devices, go to Settings, then Cellular. On Android, go to Settings, then Data Usage. You can also set a limit on Android so you won’t exceed your plan’s data allowance. It’s smart to reset your counters when you start using a new network or SIM card so you get a good idea of how much you’re using toward any limits.