RSS Feed

‘tips’ Category

  1. Renting vs buying. What is right for you

    October 1, 2017 by barbara

    propertyguru

    Property in Singapore is expensive and property price in Singapore has been falling for the past few years. Therefore you are stuck in between whether to buy a property in Singapore or opt for house rental in Singapore as you do not know which is a wise decision – to buy or to rent a house.

    However, this is still a big decision to make in your life as there will be different milestones that you achieve in life. Although most Singaporeans already have a house on their own, there will still be reasons that they have to move out from the current house as they reach another milestone in life:

    1. Child attending school the following year and you prefer staying nearer to school
    2. Just changed a job and do not wish to spend hours communting to work
    3. An upgrade from your current HDB flat to a condominium unit and need a place to stay for transition period
    4. Prefer staying nearer to parents

    Either way, there still comes a question – to buy or to rent? Before deciding, take some time to ask yourself these 5 questions to find out the best option for you.

    1. Affordability

    Private properties are overpriced in Singapore. Not only it takes all your money out from your Cash savings and CPF, you are also creating a long term commitment for yourself too. Furthermore, buying a property for your own stay is a liability instead of an asset because there is no cash flow from it as you are not renting it out. If buying a house will cause you financial burden or even falling into a debt, you might want to ask yourself again if buying a house is a wise choice or not and whether you can afford it or not is another crucial question to ask yourself.

    1. Commitment

    The momentyou buy a house, you are commiting into a new commitment in life. Bear in mind that this commitment does not stop and it is an ongoing commitment. Think about:

    1. the repairing costs that you will be spending on whenever there is any problem with the house such as, wall cracking, water leaking or even painting.
    2. the replacement of furniture when they become old after a decade
    3. the maintenance fees if you are buying a condominium unit
    4. property taxes that you have to pay

    If you think you can afford all these and can commit to all these expenses, then purchasing a property is alright. However, if  you are already struggling with your finances, or loathe the hassle when it comes to taking care your own home, or prefer having someone or the landlord to be in charge of the upkeep, then you should definitely consider renting a house instead. In addition, you will only need to pay approximately $200 for minor repairing cost on your own and the rest will be borne by the landlord.

    1. Living arrangement

    Aree you the kind of person who wants to be in charge of everything at your home? From the interior design to the choice of furniture used.  If you are, then buying a house is suitable for you. You are allowed to do anything even when it comes to knocking down the walls to create a new face lift for your house. However, if you just need the convenience of staying near to your workplace or your child’s school, and all you need is a place for you to stay, then renting is a great choice for you.

    1. Location

    Wanting to buy a property but you are not sure if you will like this neighbourhood. You can always choose to rent a place in that particular area first before deciding to buy a property so you do not regret in the future. Think of the possible scenario where you could not fit in to the community in that area but have no choice because you just bought a property there. You definitely do not want this to happen. Therefore, you can choose to rent a place first and decide if you like the estate before making such big ddecision of buying a property in that neighbourhood. After all, if you do not like it, you can always end the lease contract and search for another new neighbourhood. Make sure you like the location before you buy a property there.

    1. Financial goals

    Do you have any life goals or financial goals that you would like to achieve, such as:

    1. Traveling around the world
    2. Spending some time with your children before they grow up therefore you might want to stop working
    3. Chasing your personal passion
    4. Early retirement

    Be clear with what your life goals or financial goals. As buying a house is going to be a huge liability, you might need to postpone your life goals especially if it involves money.

    In conclusion, buying or renting a house in Singapore is a big decision that requires a lot of considerations. Consider the above factors thoroughly. Do not rush into any decision to prevent getting yourself into a financial debt.


  2. What lipstick color is right for me?

    September 20, 2017 by barbara

    Choosing the right lip color is just as tedious, if not more, as finding the best pair of jeans that fit your figure.  I have this problem with lip color but once I have found the shades that look great on me, I become a loyal fan. I look better in bright orangey red shades. Taupe or brown lipstick make me look very sick and pale.  If you are not sure what color suits you, try this.

    lipstick

     


  3. Cheap Moissanite Engagement Rings – Ideas For Wise Engagement Rings Shopping

    September 20, 2017 by barbara

    Searching for affordable engagement rings?   This is a really a smart decision. The ring may be the first-lasting indication of the union from the couple in matrimony.It symbolizes love, commitment, faithfulness, a commitment of a married relationship. It stands because it is a hope of the couple to be together forever. Rings are an important a part of matrimony. They’re, in ways, what bind the 2 people together. Both engagement and also the engagement rings play important symbolic products within the relationship of the couple. The rings around the third finger of both fiancee and her husband also show the way they both fit in with each other. For this reason every couple takes time to select their preferred wedding rings, it is because while things may change and days may pass, the rings will usually symbolize their union.Searching for affordable engagement rings.

    You’re most likely to believe that trying to find cheap moissanite engagement rings is going to be a smaller amount of importance. This doesn’t always imply that the ring need to be very costly, though. While it might be correct that costly rings can often mean a lot more due to the readiness from the couple to invest for that ceremony, it’s also vital that you be conscious of the budget. The ring may be a fundamental part of the wedding, what will count a lot more may be the thought the romance that’s been put in the connection. There are methods of having cheap moissanite engagement rings, and that I mean the look you would like inside a better cost.

    Where you can purchase a ring (where not to)

    Local jewellery shops would certainly offer their rings at a higher price especially one which is rather popular for his or her brand.  They do not want those who are searching for affordable moissanite engagement rings to visit and they would like to brand themselves as quality and quality means costly. It is important, first, that the couple realizes the different niceties that they’ll have to invest for the wedding. It might be foolish to spend over their limits around the moissanite engagement ring, without understanding that they have an entire ceremony to cover. Budgeting may be the wisest move that soon-to-be-married people must do and searching for affordable diamond engagement ring is really a wise factor. Generally, the man is the one that shops for that diamond engagement ring for his proposal. He or she must first know how jewellery shops price their rings. This will help one to find cheaper rings.

    The Cost of A Ring

    The cost of the ring is determined by the material that it had been produced from. Gold bands are usually much pricier than silver bands. The cost would soar higher should you add over a couple of gemstones into it. The pricier rings are manufactured from very good quality material like gold, and finely cut moissanites. If you’re on a tight budget you might like to avoid them, and merely stick to an easy but still charming href=httpwww.myraygem.comdiamond-wedding-rings.html target=_blank rel=noopenerdiamond banda.

    Searching for cheap diamond engagement ring requires proper planning – budget and the design you want. Be prepared to reduce your expectations with regards to diamonds. Possibly, you might look for a lower quality gemstone in order to cut the cost too. The caliber of the types of materials dramatically affects the cost of things. You are able to, obviously, still find quality rings that are priced very significantly from online retailers and direct manufacturers where there’s no overhead cost. I am sure that the best place to look when searching for affordable moissanite wedding set is online simply because they have the very best prices (no overheads) and good service. Hunting online stores is really a convenient method of finding top quality rings within an excellent budget category. Their rings are top quality, yet at really low prices because there is no middleman involved or brand fee. A cheaper ring may not be of bad quality.  Cheap diamond engagement rings look much like expensive rings should you shop wisely. There are many choices available for couples on a budget. One just needs to be smart when evaluating prices and quality. To find out more moissanite engagement ring for sale here.


  4. Ways To Color Your Hair Without Using Hair Dye

    September 20, 2017 by barbara

    Want a natural way to color your hair? Here are some tips :-

    Pour 1/3 cup lemon juice in a spray bottle. Lemon juice is a natural lightener. Either get three lemons and squeeze out the juice, or just buy pure lemon juice from the store. If you choose to squeeze your own, remember to strain out the seeds.

    Brew two bags of chamomile tea. Like lemon juice, chamomile acts as a natural bleaching agent. Bring one cup of water to a boil and add the tea bags. Allow the tea to steep for five minutes, then add it to the lemon juice.

    Add in some cinnamon and almond oil. Adding these ingredients, which also contain natural lighteners, creates a super-bleaching cocktail for your hair. Get about one teaspoon of cinnamon and one tablespoon of almond oil and mix them in with the other ingredients. You may substitute coconut oil for the almond oil, if you like.

    Spray your clip in hair with the mixture. If you’re just going for highlights, only spray the areas you want to lighten. Otherwise, spray it all over your hair. Try to spray as evenly as possible to avoid patchiness.

    Sit out in the sun for a while. You’ll need to stay in the sun for about one to two hours. The reason for this is that the lightening process needs heat. Be sure to use sunscreen so that you don’t burn.

    Gather some flowers. You’ll need half a cup of calendula flowers or marigold petals, as well as two teaspoons of hibiscus petals. If you don’t have any in your garden, you can find them in herbal shops or some health food stores.These flowers are known for bringing out the red tones in hair. For redder hair, add more hibiscus petals.

    Bring two cups of water to a boil. Add in the flowers and bring it down to a simmer. Allow it to stew for a minimum of thirty minutes. This allows all of the juices in the flowers steep into the water.

    Pour the mixture into a bottle. Use a strainer to separate the flowers from the liquid. Keep it in the refrigerator. This helps to maintain its freshness.

    Apply it to wet hair. It’s best to use it as a rinse after a shower. Then, sit out in the sun and allow your hair to dry. Use it every day until you achieve your desired shade of red. An herbal rinse such as this works progressively. That is, the color intensifies with repeated use.To maintain your color, simply reapply the mixture every few days.

    Make the coffee. Coffee contains a natural brown pigment. Measure one cup of water and add a tablespoon of coffee. Brew as normal, then allow it to cool for thirty minutes. If you want to condition your hair at the same time, add a tablespoon of olive or coconut oil.

    Apply the coffee. Make sure that you cover your entire head with the stuff. It may be helpful to comb it through after putting it in your hair. This helps the color deposit evenly throughout your hair.

    Cover your hair weave with plastic wrap. You can also use a plastic bag with a rubber band to hold it in place. Keep it on for at least one hour and thirty minutes. The longer you leave it in, the darker your hair will become. The reason for this is that the plastic traps your body heat it at your scalp. Heat opens the cuticle of the hair shaft, allowing color to be deposited.

    Rinse your hair with water. Do not shampoo your hair. Simply rinse the coffee off with water. If you didn’t add in the olive or coconut oil, you can use a conditioner in your hair after you rinse out the coffee.


  5. What To Wear To A Ball Game

    September 8, 2017 by barbara

    Dressing Right for Tailgating is Easy

    Tailgating gives you the chance to head to the stadium and root for the home team. Before you watch your favorite players race across the field or court though, you’ll spend time outside as you meet and greet with other fans, whip up some dishes and sample some of the foods that other people made. You can play a game or two with NFL cornhole boards that you bring from home and get in the mood for watching the big game. Dressing right for tailgating will keep you comfortable before, during and even after the game.

    Dress for the Weather

    Don’t leave home without first checking the weather report. There is nothing worse than hitting the parking lot in a new tank top and shorts just as the temperature drops. If the weather report calls for mixed temperatures, you can wear layers. Wear a tee shirt or tank top underneath a sweatshirt. You can always take off layers when the temperature climbs, but if you don’t wear enough clothing, you’ll find yourself freezing by the time kick off arrives. You can bring a poncho to compensate for rain too.

    Wear the Right Shoes

    While the wives and girlfriends of players can get away with wearing high heels, you should stick to more comfortable shoes. By the time you finish walking around the parking lot, through the stadium and then back to your car at the end of the night, you’ll love how comfy your feet feel. A simple pair of running shoes or tennis shoes provides you with traction when walking across wet surfaces like a parking lot full of rain or a walkway covered in spilled beer.

    Support the Team

    No matter how you dress for the big game, make sure that you support the home team. Clothing manufacturers now make clothing for every team in the NFL, and some companies even make clothing designed specifically for female fans. These pieces highlight your natural curves and draw attention to your feminine figure. The clothing is appropriate for all weather conditions too. You can look for sweatshirts that zip up the front and those you pull on over your head, tank tops that help you stay cool and shorts or capris pants with the team’s logo running up the side. Dressing right will help you stay comfortable and have fun when tailgating before a game.

    football

     

    Outfit via Polyvore


  6. How To Tie PigTails Differently

    August 25, 2017 by barbara

    I spotted this cool new way of tying pigtails in Pinterest.  Give it a try if you are tired of the same old style of tying your hair.

    pigtail

     

     


  7. Neckline Guide

    August 14, 2017 by barbara

    For those who are not sure which neckline is which, here is a useful guide.   I like bateau and V – neck.  Bateau neckline is also known as Boat Neckline and it is great with most neck types.  The bateau sits closer to the neck and creates volume and bulk.  A lifesaver for women with small bust as it creates an illusion of a bigger bust. A note of advice – It is better not to wear any jewellery when your top has a bateau neckline.  What is your favourite?

    neckline

     

    image via Pinterest

  8. Style Tips – How To Tuck In A Shirt

    July 21, 2017 by barbara

    Do you know that by changing the way you cuff up your jeans or tuck in your top can make your outfit look fresh and refreshing?  Here is an easy way to spruce your outfit by tucking in your shirt or loose top – The Half Tuck.  It adds a unique sense of style to an outfit.

    shirt

    via Advicefromtwentysomething.com

  9. Best Hacks To Remove Common Stains

    July 18, 2017 by barbara

    Here are a few ways to remove common stains in a jiffy. Try it and let me know how it goes.

    stain


  10. Simple Ways To Make Your Shopping Addiction Easier To Manage

    June 12, 2017 by barbara

    image1

    When you love shopping, you can often find that your passion goes from somewhat normal to over the top in no time at all. Although you may feel like you have a hold on how often you shop, things can be a little crazy. Whether you find yourself hitting the stores every day, endlessly buying gifts for people, or making online orders multiple times each week, you might want to see if you can reign it in a little. But how do you go about doing that?

    Sometimes, you can feel as if you don’t have a problem, or you could stop shopping if you really wanted to, but it isn’t always that easy. Shopping can be a true addiction, just like anything else. So, to ensure that you’re managing your urges to shop in the most efficient way, it’s time to take action. And if you need a little help in doing that, these handy pointers should start you off on the right foot.

    Do You Have A Problem?

    The first part of the process that you need to address is often the hardest. Even if you don’t feel as if your shopping is that problematic, you really do need to consider if you have a shopping problem. Being a shopaholic can seem like a lot of fun. But, those highs you feel when you’re swiping your credit card can often come crashing down when you receive the bills! So, to start managing your habit, be honest with yourself about your potential problem.

    Work Out What You Spend

    Next, you’re going to want to really face the music by looking at what you spend. Off the top of your head, do you know what you usually spend on your shopping altogether each month? Groceries, clothing, shoes, beauty supplies – all of it. Sometimes, you may feel like it’s just a few hundred dollars, but it can actually be shockingly a lot more. And now’s the time to find out.

    Create A Budget

    When you’re uncovered the amounts that you’re actually spending each month, it’s time to start setting yourself a budget. It’s important to do this based on what you earn, what you have to pay on bills, and what savings you need to make. Then, you can see what’s left to spend on shopping. If you have been spending more than what you earn, this step will be the most important of all.

    image2

     

    Use Cash

    If you find that you’re all too tempted to swipe your credit card all of the time, you might benefit from trying to use cash instead. When you have to pay in cash, it feels more real. When you have a set amount of money in your wallet, you definitely think twice before spending it. Because you can see it and feel it, you’re more aware than when it’s gone; it’s gone. So working with cash can often mean that you spend a lot more wisely.

    Write Everything Down

    Just like you went through your expenditure to find out just how much you were really spending, it may help you going forwards to start tracking what you spend. Not only should you record all of your shopping purchases, but everything from your rent and groceries to coffees and car payments. Tracking your spending can often be a great way to cut down. Not only can you be shocked by how much you’re spending, but you can start to control what you’re spending it on.

    Set Yourself A Limit

    As you start to write everything down, you should know what you’re roughly spending on what each and every month. Alongside having a budget, you might also find it useful to have spending limits. Say you have a $200 budget to shop with each month, why not then set limits on what that can go towards? If you find yourself continuously buying beauty products that you just don’t use, set yourself a limit of X amount of dollars that you can’t go over every month. It might sound restrictive, but it can help you to manage your spending well.

    Have A One For One Rule

    Another way to make sure that all of your purchases count, is to have a one for one rule. You may be tempted to buy that gorgeous dress that just caught your eye and looks great on, but you will think twice about doing it if you know that you’re going to have to throw something out that you already own. By committing to throwing things out whenever you buy anything new, it really does mean that you have to be 100% certain of the things you’re planning on buying.

    image3

    Use Gift Cards

    If you’re not keen on using cash, you might want to think about using gift cards instead. It may sound crazy, but when you load money onto a gift card, you really do have a limit. You can even choose your stores, visit Cards2Cash for ideas on what you can get so that you’re taking back more control of where your spend. And because you have a limit, you know that once you’ve spent it, it really is gone.

    Be Transparent

    One of the ways you can really make sure that you’re taking back control of your spending it to be completely open and honest about it. Whether you have a problem or feel like you may have had one in the past, by telling your friends and family about it, you’re now held accountable. Being transparent with them means that you can no longer hide purchases, so you have to make sure that everything you buy is worth it and justified.

    Cut Up Your Cards

    This may not work for everyone, but if you really feel like you have a problem and you can’t get control of it, you might want to think about cutting up your cards. When you spend on credit cards or store cards, just because you can, you can often find that you get into debt super easily. But, if you cut up your cards, you can stop that from happening, or nip it in the bud before it gets any worse.