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A shrinking economy may spur more people to start a business out of necessity, but expectations of a better economic climate for Singapore do not necessarily point to less entrepreneurship, according to experts on the subject.
This is because the dynamics contributing to a country's entrepreneurship level are complex, and so the school of thought that entrepreneurial activity increases when the economy is not doing well may not hold.
The Ministry of Manpower is introducing new measures under SPUR (Skiils Programme for Upgrading and Resilience) to further develop Singapore's manpower capabilities and provide greater support for companies and workers, especially Professionals, Managers, Executives and Technicians (PMETs), affected by the downturn. They are:
a) Increase in Absentee Payroll to better support training for PMETs - Annex A;
b) SPUR-JOBS to encourage recruitment and retention of trainees of SPUR and other WDA CET programmes - Annex B; and
c) Professional Skills Programme Traineeships (PSPT) scheme for companies to build new capabilities in growth sectors - Annex C.
OFFERING employees the freedom to work fewer and more flexible hours could help companies trim costs and lift productivity amid the downturn.
Fewer hours - meaning lower pay - could help rein in salary costs. And offering more flexible hours to employees can also improve the bottom line, studies overseas have shown.
But perhaps what's best about flexi-work is that unlike retrenchment, it is likely to be embraced by young and old alike - with benefits that could well outlast the downturn.
At least three recent studies here have shown that flexi-work is a tempting carrot that would entice older folk from retirement and wean new mothers from baby bottles back to their Blackberries.
The latest, reported by The Straits Times last month, showed that 72 per cent of 1,000 workers polled would be encouraged to remain in the workforce for as long as possible in their senior years - if given fewer and more flexible work hours. Data for this survey was culled from a global study on the future of retirement by Oxford University.
Another recently released survey of 3,000 baby-boomers here, commissioned by the Government, yielded similar findings.
In yet another Government survey made public last July, more than 60 per cent of 25,000 unemployed older folk who planned to look for work said they preferred part-time work.
Same for mothers of young children. In a survey of 1,000 mothers who were either working or looking for jobs here last year, 85 per cent said flexible hours and results-based performance evaluation would best help them cope with the dual demands of children and career. The survey was commissioned by baby food company, Friesland.
But this groundswell of opinion has so far had little effect among employers.
Indeed, the Oxford survey, which interviewed 300 employers here as well, found that only 43 per cent of employers were willing to offer flexible work to older workers. The remaining 57 per cent, presumably, are against such arrangements - or at least undecided. Contrast that with Britain, where studies have shown that fewer than a tenth of all requests for flexi-work are turned down.
The Singapore working mothers survey, for its part, found that nearly two-thirds of the mothers were unable to re-enter the workforce after childbirth as they failed to find jobs that offered 'family-friendly' hours.
Figures from the Ministry of Manpower made public last December show that only 7.4 per cent of private sector employees here are on flexible work schedules, up from about 5 per cent in 2006.
If you include the public sector, the proportion of employees on flexible work arrangements in 2008 was 9.4 per cent.
While the numbers here are inching up, Singapore is still a far cry from countries like the United States and Britain, where nearly 30 per cent of employees work on flexible schedules.
So why the lag here?
The biggest hitch is that many employers still view 'face-time' at the workplace as an important criterion in evaluating staff performance and productivity, says Mr Josh Goh, senior manager for corporate services at recruitment firm GMP. They fail to recognise that there is little correlation between productivity and the number of hours worked, he says.
Chief executive officer of HR firm LifeWorkz, Ms Cheryl Liew, points out that many firms here have the misconception that the nature of their businesses is simply not conducive to flexi-hours.
Many small companies, for instance, equate telecommuting - that is, working from a computer at home - with flexi-work. They think that if they don't have sophisticated IT infrastructure, they cannot afford to be more flexible.
But telecommuting - ideal for desk-bound executives hooked up to office computer systems - is not the only type of flexi-work. There can be flexibility in both the scheduling and number of hours worked.
These include a 'compressed work week', where an employee works an extra few hours every work day, to be on a three- or four-day week. This is ideal for those in manufacturing.
Job-sharing - where two employees share one full-time position - has also proved to be useful to those in administrative or shift-based jobs.
Finally, there is the 'annualised hours' scheme where, instead of say 40-hours a week, employees are given an annual quota of the number of hours they need to work. Such a scheme is useful especially for organisations that have round-the-clock operations.
But companies here remain apprehensive about heavier administrative loads on managers in terms of communicating, supervising and scheduling the working time of employees.
This needs to change, say some experts on productivity. There is increasing evidence that flexible hours are not just a boon for employees, but for the company's bottom line too.
A 2006 study by Georgetown University in the US, for instance, cited several cases of companies that raked in more revenue even as they gave their employees more freedom in how and where they did their work.
Chubb, a Fortune 500 insurance company which implemented various forms of flexi-work in its claim services department, found a 40 per cent jump in claims processed, and a dramatic reduction in overtime costs.
Global IT giant IBM, for its part, saved US$20 million (S$30.6 million) in operating costs annually and over 500,000 sq ft of real estate by allowing employees to telecommute.
While Singapore companies watch and wait, the US and Britain are both beefing up their flexi-work mechanisms.
On Jan 30, days after being sworn into office, US President Barack Obama announced the formation of a task force to find ways for overloaded parents to better balance their work and family lives.
And from next month, a new British law will make it a right for all working parents with children under 16 to ask for flexible working conditions.
There is no need for legislation here yet, but clearly it's time to delve deeper into flexi options.
As work slows and morale dips, giving employees a choice on when and where they work could be the cheerful upside of this depressing downturn.
A white paper is a report used to educate users. A white paper is also used for marketing the business as well. Information is the key in white papers and a successful paper can attract the reader to become your client.
1. You need to provide all the information about your solution or about your business when you a write papers. You should do an extensive research about everything related to the business. Never deliver white paper without proper information. Internet is a vast source of information from which you can collect all the data you want.
2. After collecting information about what you have to write, you have to set goals and objectives of your paper. You should clearly know what information you are going to provide for your readers. The issues, which are to be considered, and solutions to be identified should be outlined clearly even before starting to write a white paper.
3. You have to write the paper by viewing it from the reader’s perspective. The readers of your paper should gain some information and their questions answered. The profile of the readers should be borne in mind when you organize the information in the white paper. Your reader should gain some knowledge after reading your paper.
4. A proper structure needs to be given to your white paper. The flow of writing should be legible and logical. While looking at the front pages, the reader should understand what contents you have provided and switch to appropriate pages to get into the details of the topics. You should convince your reader that you are the best expert providing the solution for their business needs. You could achieve this by targeting the business needs of possible readers.
5. You have to use an appropriate word processor to generate error free white papers. You should know the template that is to be used because you want the information to be crisp and to the point. It should be noted that the reader would not be reading all the pages and hence you have to highlight at least the main points in your paper. You could also add interactive interviews and other fresh contents to make your paper look unique.
Mashable.com has gather a list of 85+ tools covering time / expenses, invoicing, stock image libaries, freelance sites and more...
"Deciding to become a freelance worker can be a scary proposition. Sure there is an allure to picking what projects you work on, but it can also be stressful not knowing where your next paycheck will come from. Luckily there are numerous resources out there that not only help you find more work, but also loads of tools to help you do your job more efficiently with a professional edge.
We’ve gathered over 85 tools and job sites for a variety of freelancers and web workers. While a lot of these items are focused on web design elements such as photography, programming and writing, we made sure to include something for everyone."
Advantages of LLC / LLP and setting up in Singapore
When you set up a business as a sole proprietor, you are solely responsible for the profits and losses of the company. LLC is nothing but a legal entity that provides tax benefits as well as protects the liabilities. More and more people are now interested in operating their business as a LLC. Setting up limited liability partnership is allowed in Singapore where you can create partnerships and enjoy protection from personal liabilities. You need not take the responsibilities of other partner in the company but you can still take advantage of tax benefits.
As a partner in a limited liability partnership companies, you can take a part in providing financial help to other partners. You will get a return on your investment along with protection of liabilities. The partner in the company has to take the financial risk but not the liability risk which is much beneficial. You can still run your own business under any ownership and enjoy tax benefits by participating in limited liabilities partnerships. If you don’t wish to continue with the partnership, you can leave at any convenient time without the need for dissolving the limited partnership.
Setting up a LLP in Singapore
The government of Singapore allows you to create limited liability partnerships to secure liabilities by partnering with other individuals or companies.
1.Any person or company can register for a limited liability partnership. There must be a minimum of two (2) partners. Companies or individuals who have an undischarged bankruptcy cannot register for an LLP.
2.If you wish to set up a LLP, you need to appoint a local manager who should have a local address in Singapore. You can appoint anyone above 21 years of age as local manager if he or she is either a permanent resident or Singapore resident or holding employment pass or holding dependent pass.
3.Just like any other business, you have to look for a company that is unique to your business. You will not be allowed to take up a name that is already established. ACRA has an online list of businesses that are in existence and you have to check the ACRA list to find if your name is unique.
4.SSIC code is essential for setting up LLP as it identifies your business activity. Use ACRA website to find out the code for tour business. You can achieve this by conducting a keyword search.
5.You need to specify the location of your business by specifying the local address of the place. The Urban Development Authority should approve your location for proceeding with your business.
6.Medisave should be cleared and you have to top up your account for keeping it up to date. There are many ways for making payment to this account. After this, apply for Singpass for your LLP company.
7.The registration process also involves the filling up of the BizFile after logging in with the Singpass. You can register on your own or get help from the financial firms for filling up the BizFile.
8.You need to know the licenses that are required for your LLP and get permissions from the corresponding authorities. After all these formalities are completed, you will be approved for opening your LLP.
SPRING Singapore is launching a S$30 million programme to help nurture innovative start-up companies.
The initiative, called the Incubator Development Programme, aims to help young firms gain better support and access to resources.
The programme will provide funds to enhance the services provided by organisations that help nurture and grow promising new start-ups.
Under the scheme, such groups - nicknamed "incubators" or "venture accelerators" - can get up to 70 per cent grant support to develop fledgling firms.
However, they will need to provide a full suite of services to qualify for funding.
Five such organisations have already benefited during a pilot phase of the programme over the past year.
These organisations are NUS Enterprise Incubator, iAxil Venture Accelerator Centre, NTU Nanofrontier, Business Angel Network and Microsoft Innovation Centre.
To date, some 200 companies have been "incubated" by these five organisations.
Minister of State for Trade and Industry Lee Yi Shyan said: "They also come in with cross-functional skills, mentorship and smart money...you see a lot of start-ups are very focused. They are either technology founders or some kind of new concept start-ups. They need a lot of help in terms of commercialising the product, in terms of bringing it to market, in terms of getting the right investor to come in to value add in the process..."
The companies come from various sectors, including clean and environmental technology, engineering and manufacturing.
Sixty-five per cent of those helped are in technology-focused industries like infocomms and interactive digital media.
This is likely to remain the programme's key focus.
Mr Lee said: "In the IT sector, in the technology sector, your products tend to be ready for the world market from day one, compared to say a food and beverage outlet which tends to be typically to be local and in the community and where the growth will be slower."
SPRING Singapore aims to help seed and nurture 500 innovative start-ups over the next three years. - CNA/ms
Professionals who have lost their jobs in the current economic environment are being urged to consider becoming entrepreneurs.
Minister of State for Trade and Industry Lee Yi Shyan said the entrepreneurship landscape in Singapore remains healthy, with start-ups and small and medium enterprises (SMEs) still venturing overseas.
He said opportunities still exist for entrepreneurs who are resourceful and imaginative.
Data from SPRING Singapore showed that more start-up companies and at least two-thirds of all SMEs in Singapore now have operations overseas.
Of these SMEs, a quarter earned half their revenue from overseas last year - although this figure has fallen slightly over 2007.
The success stories include firms like Sakae Sushi and Charles & Keith, which started operations during the Asian Financial Crisis in 1997.
Mr Lee said the current economic crisis could present opportunities for Professionals, Managers, Executives and Technicians (PMETs), who may have lost their jobs.
He said: "If you look at new ventures... many of them are started by professionals who work in certain industries for the last 10, 15 years and by then, they have acquired a very specialised knowledge of that industry.
"They know if they were to set up a company, how their company is going to value add. So I think in the PMET market likewise, there would be some of them who are in this unique position.
"But to cross over from a professional to an entrepreneur, of course there are some skills needed, and this is where I think our Enterprise Development Centre and our incubators can advise."
Entrepreneurs are also getting younger - with some 65 per cent under the age of 40. And SPRING Singapore is planning to reach out to more youths.
Mr Lee said: "If we one day can make them start and wind down a business in the course of their studies, then they will bring this skill set and experience with them, they may start a new business upon graduation, or they may do so 15 years later.
"But they have the confidence to say that 'Yes I have done it before, and I am ready to take it to the world now.'"
Two programmes catering to young entrepreneurs were launched last year under the YES! Scheme. Under the scheme, SPRING Singapore received 12 applications from schools seeking funds for entrepreneurship programmes and has approved two of them.
CAFES are increasingly becoming a popular hangout on campus, and entrepreneurial students and ex-students at the Singapore Management University (SMU) have capitalised on the trend to open more such outlets there.
Recent additions include Treehouse at the SMU's School of Information Systems, and Screme (which replaces the old Frujch) on the campus ground. These cafes join the ranks of Edmund's@SMU, which sells scrumptious cakes, kuihs and pastries at prices easy on the pocket.
Both Treehouse and Screme were set up in August by students, with some help from the SMU Students Association (SMUSA).
'We wanted to increase student vibrancy and have another place for students to hang out,' said Elizabeth Lim, a second-year student at the Lee Kong Chian School of Business, who is one of Treehouse's three founders.
Her partners are friends Alicia Yik, also in second year at SMU, and third-year student Desmond Lim.
Treehouse started after the three won an SMUSA competition for cafes with their proposed submissions.
'I think what impressed the judges is that we offered a cafe which also offers the option for students to sit and have a proper meal, as opposed to the usual takeaway style we students are so used to,' said Alicia.
This is in contrast to the offer at Screme, located along the SMU Concourse, which focuses on easy-to-eat, American-style food such as sandwiches and bangers-and-mash.
It was tough to get the Treehouse venture started, but the trio say the SMUSA was a great help. It provided furniture for the cafe and other logistics.
It took the team four months of thorough planning during the entire summer holidays before the cafe was up and running in August when the academic term began.
The Treehouse team members tap on one another's skills to maximise their efficiency. For instance, Desmond, who studies accountancy, takes care of the number-crunching, while the girls play a bigger role in logistics and marketing.
'We focus a lot on mains (dishes),' they say. Signature dishes by their chef, Vasana Lee, include Thai and local delicacies such as mama's green curry, nasi lemak and tom yum soup. Other favourites at the cafe are the desserts, as well as Western dishes such as mushroom spaghetti with white wine and cream sauce.
The cafe is open only during the academic terms, and is closed during the summer and December holidays since students won't be around.
Treehouse is expected to break even in another 11/2 to two semesters, an impressive time frame for the startup.
The cafe draws about 100 customers a day, with most coming during lunchtime.
'Ultimately, I think it's the love for what we are doing which keeps us going. If you like what you are doing, you can do anything,' says Alicia. 'Sometimes I even feel like I'm a part-time student and full-time when it comes to the cafe.'
Isaac Tan, one of the five founders of Screme, agrees. 'The unique thing about our cafe is that everyone can make everything,' he says.
The team initially had big plans to make gourmet food at affordable prices, but found out that it would not be feasible given their resources and target customers.
'At the end of the day, it is fun (to run a cafe) - we have invested a lot of money and it is all about the valuable experience we get,' says Isaac.
This article was first published in The Business Times on December 29, 2008.
When you are at a business / social function, you have less than 15 seconds to make that first impression.
15secondpitch.com provides a quiz which will help you craft that 15 second pitch to market yourself, in a concise and compelling way.
Some guidelines: Create a pitch — for every niche. This is very important. Develop a straight forward pitch for every industry that your focused on. If you dabble in photography but work nine to five as a caterer - you need one for each.
Use it effectively — and have a pitch prepared for every event that you attend. Be it a barbecue, fundraiser, or networking event - when you are least prepared is when you are most likely to have a random encounter opportunity.
Include a bold — compelling statement that peaks the interest of the listener and provokes them to want to know more. As Seth Godin says, “Your either remarkable or invisible.”
Singapore's labour movement wants to improve the working status of its some 183,000 casual and contract workers.
NTUC said many of them do not even have proper CPF contributions - a key pillar in Singapore's social safety net.
Madam Hoon is a typical casual and contract worker in Singapore - working on piecemeal jobs, and concerned if she will have a job the next day.
She said: "I am now a part-time promoter and I worry about the boss not calling promoters like us to promote their products. Maybe I will lose my job. I hope NTUC will provide more opportunities for people like me to get more jobs."
The number of such workers in Singapore has grown from about 80,000 from the days outsourcing began, to some 183,000 today. And the number does not include foreign workers.
NTUC said that regardless of whether a staff is a permanent or casual worker, it is important to look after their welfare.
Zainudin Nordin, director, Unit for Casual and Contract Workers, NTUC, said: "Some of them do not get CPF payments, they do not get medical leave, they do not have annual leave and they do not have a proper contract for their work. It is more like a verbal agreement. These are things that are worrisome.
"Sometimes, the situation would lead to the mismanagement of the staff. As a worker, whether casual or contract or permanent, they have to know their rights. So we are trying to increase this awareness by educating them and engaging them."
Government agencies must also ensure that regulations on employment are observed by companies.
But Mr Zainudin agrees that things are not going to be easy for these workers, especially during the current global economic downturn.
He said; "These vulnerable workers who are in the low-wage, low-skilled and lowly-educated (group) will be, in my view, one of the first few to be hit, and we are concerned about this...even though there is an economic downturn and global slowdown, the labour movement believes that employers can work closely with us to ensure that the workers should not be the first to go."
One way to help these workers is to send them for training under the lifelong learning and continuing education framework.
The Income Tax Act has been amended and enhanced to better help Singapore achieve economic and social objectives.
- One key change is that the amounts of Child Relief and Handicapped Child Relief will be increased from next year.
- Qualifying Child Relief will be doubled to S$4,000. She said this will be extended to all qualifying children, beyond the fourth child. Handicapped Child Relief on the other hand will be raised by S$2,000 to S$5,500.
- Working mothers will also be able to claim up to 100 per cent of their earned income for all qualifying Singaporean children under the Working Mother's Child Relief. This includes the fifth child and beyond.
- The cap for the total amount claimable for all three relief schemes in respect of the same child has been doubled to S$50,000.
- As for the S$5,000 Parenthood Tax Rebate, it will be extended to the first child.
- Mrs Lim said that parents can also get S$20,000 for each child beyond the fourth one.
- Selected groups of taxpayers will be exempted from filing their income tax. This will not only benefit about 300,000 taxpayers, but help the government save on tax administration costs.
- Under the other amendment, General Partnerships and Limited Liability Partnerships will now enjoy tax incentives. They will enjoy specific tax incentives such as further reductions for research and development expenditure.
Rapid prototyping is the most common name given to a host of related technologies that are used to fabricate physical objects directly from CAD data sources.
Our subsidary service RPWorkshop.com provides Rapid Prototyping service in Singapore. Just email us your 3D CAD file and we will advise accordingly. You can easily / quickly convert digital files into physical models, for product testing, research, or presentation purposes.
These methods are unique in that they add and bond materials in layers to form objects. Such systems are also known by the names additive fabrication, three dimensional printing, solid freeform fabrication (SFF) and layered manufacturing. Today's additive technologies offer advantages in many applications compared to classical subtractive fabrication methods such as milling or turning:
Objects can be formed with any geometric complexity or intricacy without the need for elaborate machine setup or final assembly;
Rapid prototyping systems reduce the construction of complex objects to a manageable, straightforward, and relatively fast process.
This has resulted in their wide use by engineers as a way to reduce time to market in manufacturing, to better understand and communicate product designs, and to make rapid tooling to manufacture those products. Surgeons, architects, artists and individuals from many other disciplines also routinely use the technology.
Rapid prototyping isn't a solution to every part fabrication problem. After all, CNC technology is economical, widely understood and available, offers wide material selection and excellent accuracy. However, if the requirement involves producing a part or object of even moderately complex geometry, and doing so quickly - RP has the advantage. It's very easy to look at extreme cases and make a determination of which technology route to pursue, CNC or RP. For many other less extreme cases the selection crossover line is hazy, moves all the time, and depends on a number of variably-weighted, case-dependent factors. While the accuracy of rapid prototyping isn't generally as good as CNC, it's adequate today for a wide range of exacting applications.
The materials used in rapid prototyping are limited and dependent on the method chosen. However, the range and properties available are growing quickly. Numerous plastics, ceramics, metals ranging from stainless steel to titanium, and wood-like paper are available. At any rate, numerous secondary processes are available to convert patterns made in a rapid prototyping process to final materials or tools.
To start a private company in Singapore certain procedures and regulations are to be followed. Most of the companies in Singapore are private companies that are limited by the shares. To open a private company called pte ltd, you have to register it under companies act chapter 50. ACRA is the centralized authority for approving and registering private companies. Company is a legal entity and you can manage it by means of your shares. This entity can hold a property and for any legal issues, it can be sued. You become the owner of the company if you hold some or all shares of the company. The price of the share can be anything ranging from $1.
Any individual or a company can register a private company.
To start a company, you need to appoint at least one director who is above 21 years of age. The directors you appoint should be either a permanent resident of Singapore or a Singapore citizen or employee pass holder or dependent pass holder or hold approval-in-principal employment pass.
The directors you appoint should not be bankrupt or dishonest. Those persons who have been convicted for any case of dishonesty are disqualified for becoming a director. You should seek the help of your lawyers to identify suitable persons for acting as directors.
For starting a private company, you need to appoint at least one director and one shareholder. The same person can be appointed with both designations. However, it is better to employ two directors, as two signatories are demanded by most of the financial institutions.
Your company can be called a private company if you have no more than 50 shareholders. If this number is exceeded, then you have to call your company as a public company that is limited by shares.
To get the ACRA approval, you have to decide the business name and the business location for setting up the company. The name should be unique and you cannot choose a name that is close to another business or a name that already exists.
Next step is to get a SSIC code for the company which specifies the nature of your business activity. This is important for all companies because using this code the government can identify the licenses and permits that are required for your business. You have to top up your medisave and keep it up to date.
The Singpass is essential for filing up the BizFile which is required for registering your company. This Singpass is a password which enables communication between your company and government authorities.
After obtaining the password, you should open a BizFile and login using the singpass. Then you have to make the payments for the registration fees charged for your company. Irrespective of the type of company, you have to pay $15 for the business name and since you are opening a private company, you have to pay $300 for registering the company.
Appropriate licenses have to be obtained from the government authorities and you can register your company by getting help from the legal firms. After obtaining all the permits, you can open your private company in the registered location.
It seems like nearly every day there’s more bad news about the economy. Even worse, it’s hard to see any light at the end of the tunnel. Given that, it may seem like a terrible time to start a small business. So here’s something that may surprise you: it’s actually not. The truth is that many small businesses that launch during tough economic times not only flourish, but are stronger and leaner than they would have been otherwise. Here are a few tips on how to take advantage of what an economic downturn has to offer:
Plan thoroughly. One of the most important things you can do to promote the success of a business you start in a downturn is to develop a game plan. The most effective way to do that is with a business plan, although a simple Excel spreadsheet works well too. The first step is to devise realistic, feasible numbers for your business. Take a look at the sales projections that you may have already developed. Do they jibe with the sales volume other small businesses in your industry are now experiencing? Also take a look at your expenditures. As you’ve likely heard, prominent venture capital firms are urging their portfolio start-ups to cut costs where they can. With that in mind, attack your business plan (or spreadsheet) with a scalpel and excise as many unnecessary expenditures as possible.
Focus your start-up. One of the most common mistakes entrepreneurs make is to trying to do too much, too soon. Direct all of your energy and cash on the one product or service you think is most saleable. Remember, you can always grow your business or product lines later. An economic downturn is not the time to spread your capital thin.
Don’t underestimate the competition. Many entrepreneurs assume that because an economic downturn weeds out frail businesses, that the playing field is wide open. Sure, some businesses are wiped out by tough times. But the businesses that remain are likely strong enough to present a real threat to your new start-up. Thoroughly research who’s in your space before you enter it, and make sure you know why your competition is still standing.
Lastly, push aside the fear, uncertainly, and doubt that’s gripping Wall Street and the nation. Times are tough. But if you’re serious about starting a business right now, you’ll have to throw some caution to the wind. That doesn’t mean you shouldn’t have a healthy respect for what’s shaking down on Wall Street. But, you shouldn’t be so crippled by “what ifs” that you can’t move forward with your start-up.
This guest post was written by Bryan Howe, Founder and CEO of MasterPlans.com.
