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  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. Buy Polka Dot Dress Online

    September 28, 2017 by barbara

    We are approaching the last quarter of 2017.  End of the year means the holiday season is almost here and we couldn’t be more excited. There will be lots of food, festive decorations and many parties to attend.  Having said that, there are still plenty of things to stress over this time of the year like trying to figure out what to wear to these parties?

    Have you got news about the office parties that will be thrown in the coming months and you have absolutely no idea what to wear?  Well fret not because here are some tips on what you can find online. Usually when there is a special occasion, women tend to wear black dresses or gowns because the colour black is classic and versatile.  Well, the little black dress has had its day and the latest trend is the polka dot dress.  Polka dots are trendy and fun.  You can get polka dot dress online. Polka dots are having a major fashion moment since summer and have been seen in many runways.

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    So if you are looking to paint the town red at this year’s parties, well, take a look at these lovely and fun polka dot dresses from Dressily. How are you wearing your polka dots this season?

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  3. Supermodels Pay Tribute To Gianni Versace

    September 27, 2017 by barbara

    20 years after the death of Italian designer, Gianni Versace, some of the legendary supermodels came together for a catwalk reunion at Donatella Versace’s show in Milan recently.  These iconic 90’s supermodels are Cindy Crawford, Naomi Campbell, Carla Bruni, Claudia Schiffer and Helena Christensen.  All of them are looking beyond fab.

    It was definitely a show-stopping moment.


  4. DIY Dry Shampoo For Light Hair And Dark Hair

    September 26, 2017 by barbara

    You know how expensive it can get to buy dry shampoo from the store.  I stumbled upon this DIY method from musely.com.  It is very easy to make and only cost less than $5.  Here are the step by step guide.  Just store the dry shampoo in a small bottle and use a brush to dab it onto the hair or use an old spice jar.

     

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  5. Hello First Day Of Fall

    September 21, 2017 by barbara

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  6. Change Your Look In Seconds

    September 20, 2017 by barbara

    It is always exciting and nerve-wrecking when it comes to changing hairstyles.  There are always many questions such as “Will it suit me? Will anyone notice? Would it look nice on me?”  All these thought go through our minds when we change our hairstyles.  If you do not want to take the plunge and make a big decision like cutting your hair short, get a perm or coloring your hair, why not try wearing a wig?

    With wigs, you can change from short to long hair overnight, have blonde hair or black, curly or straight with much less effort.  Wigs are more realistic than you think.  Modern wigs are very natural indeed.  However, wigs are not just for fashion.  They are used also used for those who have thinning hair and would like to cover up.  Wigs come in all shapes and styles.  You can find short, long, straight, curvy, braided, layered and more styles.  A properly made wig can look totally realistic and the best place to shop for one is at Sunwell, a leading brand of human hair wigs online shop.  Sunwell wigs are made from 100% high quality virgin human hair and they have a range of great products such as lace front wigs, full lace wigs, 360 Lace Frontal Wigs and more.  Human hair wigs look and feel very natural.

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    Every wig at Sunwell is designed with the latest in contemporary fashion and made with precise detail to give you long-lasting glamour and comfort.  There are so many beautiful wigs to choose from that you have almost unlimited styling possibilities.  Sunwell also offer customized wigs so that you can choose the right color that will flatter your skin and the length and style that you want.

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    So, if you really want to give your appearance an upgrade, get yourself a wig.  It is pretty amazing how much having a different hairstyle can transform a person. For a woman it is always important to vary her image and keep a fresh look.  Visit Sunwell today and find the perfect wig that is lightweight, comfortable and natural.


  7. 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.

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  8. 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.


  9. 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.


  10. Stylish Clothes For Women This Fall

    September 19, 2017 by barbara

    It is Fall already and time to stow away those open-toed heels, sandals, tees and shorts. This transition period when it is not too warm nor too cold that you need to layer your outfit can be a little hard to figure out what to do with your wardrobe.  Do you bring out all your turtlenecks and sweaters?  Are your miniskirts kept in the cupboard or do you still wear them with your knee-length boots?

    We know shopping for Fall clothes can be quite a drag because you have to think what you need to layer your clothes or how to style them.  Why can’t updating the wardrobe for the new season be easy?  Just where can you find stylish ladies co ord outfit?  So if you are looking for what to put on your shopping list this season, here are handy tips.

    I know some of us are still reluctant to keep away the summer clothes.  Well you do not really have to. When the weather is still pretty nice out, just air your favourite denim shorts with a sweater.  Showing some legs with a sweater is effortless chic.

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    There are many ways to look sexy without revealing too much skin.  One of the favorite ways to update your look is a sexy top which can show off your back, shoulders or chest.  Just throw on a simple pair of pants with ankle boots and everyone will be asking where do you find fashion sexy tops for women.

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    For the hottest picks that will be your new go-to choice for date night and dinner with the girls, visit yoins 3rd anniversary sale. They have the chicest trends to keep you looking fabulous as the weather turns chilly.