Sunday, December 27, 2015
Friday, December 25, 2015
How To Buy and Season a New Wok
Here's how to pick a wok and season it for the first time. Also, Grace Young shows us how to give an adolescent wok a "facial" to keep it looking good as its true patina develops.
Another post about seasoning wok...How to Season a Wok: The Science behind it and Step by Step instructions
Another post about seasoning wok...How to Season a Wok: The Science behind it and Step by Step instructions
Wednesday, December 23, 2015
Monday, November 30, 2015
Famous Japanese Method To Lose Weight And Improve Your Posture.
For 10 long years, well-known Japanese doctor and medical pioneer Toshiki Fukutsudzi fought to develop a method to prevents bad posture. She became famous in her homeland, gaining widespread attention after publishing her book on how to overcome bad posture, combat back problems and strengthen one’s abdominal muscles. Her best-selling book has sold over six million copies throughout Asia.
Dr. Fukutsudzi specializes in treating patients with problems in their pelvic bone and her method is also said to reduce fat around the waist.
I always take these kinds of “treatments” with a grain of salt, careful not to take them too seriously. This method however has gained such popularity that I cannot help but feel tempted to at the least try it out. Obviously, for serious or extended back issues, I would say, see your doctor. But otherwise, why not give this a shot? After all, it’s extremely easy and only takes 5 minutes.
Here’s how it works:
Roll an ordinary towel to form a thick and stable “sausage”. Wrap it with some tape or string so that it stays put. Lay down on your back on a flat and hard surface – beds and couches are too soft. Place the towel at the height of your navel, where your spine begins to curve.
navel, where your spine begins to curve.
Once you’re in the correct position, place your feet shoulder-width apart, with your toes pointing inward toward each other. Stretch your arms above your head, palms down, with your pinkies touching. Lay still in this position for 5 minutes. The exercise may feel a bit painful at first, but try to hold for 5 minutes — it does get easier every time you do it.
For best results, repeat the exercise 3 times a day for a few weeks.
The method may strike you as too simple to actually produce results, but as I said, I think you have nothing to lose, so feel free to experiment. I know in any case that I will! Please share the method with your friends if you know someone who suffers from back problems.
Dr. Fukutsudzi specializes in treating patients with problems in their pelvic bone and her method is also said to reduce fat around the waist.
I always take these kinds of “treatments” with a grain of salt, careful not to take them too seriously. This method however has gained such popularity that I cannot help but feel tempted to at the least try it out. Obviously, for serious or extended back issues, I would say, see your doctor. But otherwise, why not give this a shot? After all, it’s extremely easy and only takes 5 minutes.
Here’s how it works:
Roll an ordinary towel to form a thick and stable “sausage”. Wrap it with some tape or string so that it stays put. Lay down on your back on a flat and hard surface – beds and couches are too soft. Place the towel at the height of your navel, where your spine begins to curve.
navel, where your spine begins to curve.
Once you’re in the correct position, place your feet shoulder-width apart, with your toes pointing inward toward each other. Stretch your arms above your head, palms down, with your pinkies touching. Lay still in this position for 5 minutes. The exercise may feel a bit painful at first, but try to hold for 5 minutes — it does get easier every time you do it.
For best results, repeat the exercise 3 times a day for a few weeks.
The method may strike you as too simple to actually produce results, but as I said, I think you have nothing to lose, so feel free to experiment. I know in any case that I will! Please share the method with your friends if you know someone who suffers from back problems.
Sunday, November 29, 2015
How to travel further in Freestyle
Swimmers, do you get frustrated when you get overtaken by THAT swimmer who seems untrained, and whose stroke seem to be slow and who doesn't look like he needs to kick? Head Coach Fish Tang admits that he is one of those irritating swimmers! And..in today's video, he is revealing 1 tip that he used to complete his 8.35 km open water swim during our Swim Expo Asia in Nov 2014, with less than 4 training sessions.Now this is one tip that you've got to find out if you want to be able to swim further and faster WITHOUT pulling harder with your arms!SHARE this crazy tip with your friends if you have found it useful.LIKE Freestyle Mastery Fan Page for more upcoming freestyle tips and tricks that Coach Tang uses!
Posted by Freestyle Mastery on Tuesday, February 10, 2015
Struggling Freestyle Swimmers
Struggling Freestyle Swimmers, today, our Head Coach, Fish Tang shares tip #4 to get rid of your sinking legs, and make freestyle an enjoyable activity for you, finally!Watch the video now! Struggling Freestyle Swimmers, have you gone to the pool and put what Coach Tang has shared into practice? Feel free to ask any questions or clear any doubt by using the comments box below!"SHARE" with your friends and improve together with them."LIKE" our Freestyle Mastery Page for practical tips to efficient and effortless freestyle.
Posted by Freestyle Mastery on Tuesday, February 3, 2015
Struggling Freestyle Swimmers
Struggling Freestyle Swimmers, we hope that you have gained deep insights with the tips that we have shared in the past few days!Today, our Head Coach, Fish Tang will be sharing about tip #3 to stop your sinking legs that cause many freestyle swimmers to struggle while they swim.Watch the video now! "SHARE" with your friends and improve together with them."LIKE" our Freestyle Mastery Page for practical tips to efficient and effortless freestyle.
Posted by Freestyle Mastery on Friday, January 30, 2015
Struggling Freestyle Swimmers
Struggling Freestyle Swimmers, did you try out the previous on putting your head down while swimming? Here's tip #2...
Posted by Freestyle Mastery on Monday, January 26, 2015
Struggling Freestyle Swimmers
Most freestyle swimmers tend to struggle to stop their legs from sinking. Most people tend to kick faster and harder to counter the sinking. But, is this the right thing to do?If you also face this issue, catch this video by our Head Coach, Fish Tang to find out what you can do.Useful? 'Share' this with your friends so that they can benefit too!'Like' this page FB.com/FreestyleMastery to get more practical tips to effortless and efficient freestyle swim!
Posted by Freestyle Mastery on Wednesday, January 21, 2015
Saturday, November 28, 2015
10 foods that unclogs arteries in a totally natural way
We present you the 10 most effective ingredients that can help unplug arteries and prevent the occurrence of serious diseases.
Oats
The main ingredient is soluble oat fiber, and it does not allow the creation of cholesterol. These fibers are linked to cholesterol and assist in its ejection from the body.
Research has shown that if you want to reduce your cholesterol level by almost 20%, you only need to eat 1.5 to 2.5 cups of cooked oats per day.
The main ingredient is soluble oat fiber, and it does not allow the creation of cholesterol. These fibers are linked to cholesterol and assist in its ejection from the body.
Research has shown that if you want to reduce your cholesterol level by almost 20%, you only need to eat 1.5 to 2.5 cups of cooked oats per day.
Cranberry Juice
Drink 3 cups of juice each new week, and you will successfully unclog arteries. This juice increases the ability of cells to absorb fats and produce energy, and does not allow the fat to accumulate in the blood vessels.
Drink 3 cups of juice each new week, and you will successfully unclog arteries. This juice increases the ability of cells to absorb fats and produce energy, and does not allow the fat to accumulate in the blood vessels.
Pomegranate
Pomegranate is a powerful antioxidant that helps fight hardening of the arteries, because it reduces damage to the blood vessels and prevents the progression of the disease.
Pomegranate is a powerful antioxidant that helps fight hardening of the arteries, because it reduces damage to the blood vessels and prevents the progression of the disease.
Spinach
Spinach is rich in folic acid and potassium and helps in the prevention of hypertension. It frees the arteries by preventing the formation of cholesterol and heart attacks at the same time. Lutein, another component of spinach, acts as a good protector against macular degeneration associated with aging.
Spinach is rich in folic acid and potassium and helps in the prevention of hypertension. It frees the arteries by preventing the formation of cholesterol and heart attacks at the same time. Lutein, another component of spinach, acts as a good protector against macular degeneration associated with aging.
Grapes
Flavonoids, resveratrol and quercetin, the most useful are the ingredients of grapes. They are good in preventing the oxidation of cholesterol that leads to the formation of plaque on artery walls. Grapes helps reduce the risk of developing blood clots that lead to heart disease.
Flavonoids, resveratrol and quercetin, the most useful are the ingredients of grapes. They are good in preventing the oxidation of cholesterol that leads to the formation of plaque on artery walls. Grapes helps reduce the risk of developing blood clots that lead to heart disease.
Fish
University of Southampton conducted a study related to fish and its role in preventing clogged arteries. Their results showed that fish, especially tuna and salmon, rich in omega-3 oils that prevent fatty deposits accumulate in the arteries. The fatty acids found in fish prevent oxidation of cholesterol and formation of a clot.
University of Southampton conducted a study related to fish and its role in preventing clogged arteries. Their results showed that fish, especially tuna and salmon, rich in omega-3 oils that prevent fatty deposits accumulate in the arteries. The fatty acids found in fish prevent oxidation of cholesterol and formation of a clot.
Kiwi and melon
One cup of cantaloupe and kiwi one day unclogs artetije. This is due to the high content of antioxidants, and their power reduction of bad cholesterol.
One cup of cantaloupe and kiwi one day unclogs artetije. This is due to the high content of antioxidants, and their power reduction of bad cholesterol.
Garlic
Garlic has been used since the day for the treatment of various diseases. Initially, the maximum has been used in the treatment of high blood pressure, and heart disease, but it has been found, and that has an incredibly effect in preventing coronary artery calcification.
Garlic has been used since the day for the treatment of various diseases. Initially, the maximum has been used in the treatment of high blood pressure, and heart disease, but it has been found, and that has an incredibly effect in preventing coronary artery calcification.
Olive oil
Research has shown that olive oil is fantastic in preventing cholesterol. He oxidized and stick to artery. The most important part of the olive oil are monounsaturated fats that eliminate bad cholesterol.
Research has shown that olive oil is fantastic in preventing cholesterol. He oxidized and stick to artery. The most important part of the olive oil are monounsaturated fats that eliminate bad cholesterol.
Tomatoes
Korean researchers found a compound in tomatoes that helps prevent hardening of the arteries. It’s called lycopene gives tomatoes and red. Moreover, they found that women with high levels of lycopene in the blood have fewer problems with the arteries.
Korean researchers found a compound in tomatoes that helps prevent hardening of the arteries. It’s called lycopene gives tomatoes and red. Moreover, they found that women with high levels of lycopene in the blood have fewer problems with the arteries.
Thursday, October 29, 2015
Finally Relieve Your Pain Without Leaving Your Chair By Trying THIS!
Ihave often been told that pain is just a part of life. Some days I find this to be true.
Pain relief specialist Dr. Nicolas Campos writes, “I have come to learn the enormous benefits of stretching for health. A regular stretching routine can not only relieve pain, but it can prevent pain from becoming cyclic.” When I read that stretching can help to relieve and prevent pain, I thought, “Of course it can, but who has the time?”
I can’t squeeze a yoga class into my schedule every day. And if my back hurts at work I can’t exactly sprawl out on the floor and start stretching. So when I saw these amazingly simple stretches that I could do from the comfort of my seat, I knew I’d be trying them right away.
While these stretches would never take the place of medical advice from a doctor, I will definitely be giving them a shot. Whether I’m at home, at work, or sitting on a park bench, I can do these extremely easy stretches to help relieve whatever part of my body is aching!
Special thanks to Maya Borenstein for these amazing images.
Make sure to scroll through until you find the area of your body where you are experiencing pain. And please SHARE if you find these amazingly simple seated stretches as helpful as I do.
Relieve Pain In Your LOWER BACK!
LittleThings / Maya Borenstein
Lower back pain is extremely common and can be completely
debilitating. Luckily, this stretch is perfect for loosening up the muscle
or relieving minor soreness. If you’re at home, sure there are plenty of
stretches you could do on the floor, but this one is good for wherever
you are!
debilitating. Luckily, this stretch is perfect for loosening up the muscle
or relieving minor soreness. If you’re at home, sure there are plenty of
stretches you could do on the floor, but this one is good for wherever
you are!
- Sit forward in your chair.
- Bring one knee into your chest using your hands to grasp the back
of your thigh. - Pull the thigh gently towards your body.
- Hold this stretch for 30 seconds.
- Slowly release your leg back to the floor.
- Do the same thing with the other leg.
Tip: Try to keep your back as straight as possible with your other foot
firmly on the floor.
firmly on the floor.
Please SHARE if you plan to try this extremely simple lower back
stretch!
stretch!
Relieve Pain In Your SHOULDERS!
LittleThings / Maya Borenstein
Shoulder soreness can be caused by a lot of different things. Whether
you hold a lot of tension here or you tweaked the muscle while lifting
something heavy, this easy stretch should help to loosen you up.
You can do this shoulder stretch virtually anywhere, from the back
seat of a car to an elevator!
you hold a lot of tension here or you tweaked the muscle while lifting
something heavy, this easy stretch should help to loosen you up.
You can do this shoulder stretch virtually anywhere, from the back
seat of a car to an elevator!
- Take a very deep breath in while shrugging your shoulders up
towards your ears. - Hold this position for three seconds.
- Slowly exhale while you release your shoulders back to their starting
position. - Repeat this 10 times.
Tip: When lowering your shoulders back down, try to imagine your
shoulder blades lowering towards the floor as well.
shoulder blades lowering towards the floor as well.
Please SHARE if you plan to try this extremely simple shoulder stretch!
Relieve Pain In Your FEET!
LittleThings / Maya Borenstein
Foot pain can be extremely common, especially if you are someone who spends
a lot of time standing or walking all day. Perhaps nothing beats a good old fashioned foot massage, but finding someone to rub your feet may be easier
said than done. Fortunately, this stretch is one that you can do seated or
standing, wherever you may happen to be!
a lot of time standing or walking all day. Perhaps nothing beats a good old fashioned foot massage, but finding someone to rub your feet may be easier
said than done. Fortunately, this stretch is one that you can do seated or
standing, wherever you may happen to be!
- Place one foot in front of the other.
- With your back foot, tuck your foot under so the top portion of your toes
is against the floor. - Gently apply pressure until you feel the stretch running along the top of
the foot. - Hold this stretch for 30 seconds.
- Slowly release your foot back to the starting position.
- Swap foot positions and do the same thing with the other foot.
Tip: You may not always be able to take your shoes off, but if you can this
stretch will be much more effective.
stretch will be much more effective.
Relieve Pain In Your WRISTS!
LittleThings / Maya Borenstein
Wrist pain can have many causes and is especially rampant among people who
type or use a computer all day. Luckily, wherever you are, you can immediately do this simple stretch to give your wrists some much need love!
type or use a computer all day. Luckily, wherever you are, you can immediately do this simple stretch to give your wrists some much need love!
- Clench both of your hands into fists.
- Stretch your two fists out in front of you.
- Make circles in the air with your wrists.
- Circle both wrists 10 times to the right.
- Circle both wrists 10 times to the left.
Tip: Keep your forearms straight and try to face your knuckles as far to the
ceiling and the floor as you can in order to increase the stretch.
ceiling and the floor as you can in order to increase the stretch.
Please SHARE if you plan to try this extremely simple wrist stretch!
Relieve Pain In Your CHEST MUSCLES!
LittleThings / Maya Borenstein
Chest pain that is internal can be extremely serious and should always result
in medical attention. However, if your chest muscles are feeling sore, this is an
easy stretch you can do to loosen things up. You can do this stretch sitting in
the comfort of your office chair or on your couch!
in medical attention. However, if your chest muscles are feeling sore, this is an
easy stretch you can do to loosen things up. You can do this stretch sitting in
the comfort of your office chair or on your couch!
- Place your hands behind your head, keeping your elbows out like wings.
- Reach your elbows towards the back wall while squeezing your shoulder
blades together. - Hold this stretch for 30 seconds.
- Slowly return your elbows back to the starting position.
Tip: It is very important to breathe throughout the stretch, as holding your
breath can actually increase tension!
breath can actually increase tension!
Please SHARE if you plan to try this extremely simple chest muscle stretch!
Relieve Pain In Your HIPS!
LittleThings / Maya Borenstein
Hip pain is extremely common and can make sitting and walking extremely
painful. As with any pain, if your hip pain is chronic, you should definitely visit
your doctor. But for some simple relief to your minor hip aches, this stretch is
very easy to do with the aid of a chair!
painful. As with any pain, if your hip pain is chronic, you should definitely visit
your doctor. But for some simple relief to your minor hip aches, this stretch is
very easy to do with the aid of a chair!
- Sit forward at the very edge of your chair.
- Sitting up tall, rotate your torso slightly to your right.
- Take your left leg and extend it as far behind you as you are able.
- Keep your right leg bent in a right angle.
- Lift your chest, while pressing your left hip towards to floor.
- Hold for 30 seconds.
- Slowly release your left leg and return to the starting position.
- Repeat the same thing on the other side.
Tip: For whichever leg is extended behind you, try to keep the knee as straight
as possible to increase the stretch.
as possible to increase the stretch.
Relieve Pain In Your GLUTES!
LittleThings / Maya Borenstein
Glute pain can be a literal pain in the butt. This can be a result of lifting
something heavy or sitting at work for long periods of time. Whatever the
cause, this stretch is an easy one that you can do sitting in your chair!
something heavy or sitting at work for long periods of time. Whatever the
cause, this stretch is an easy one that you can do sitting in your chair!
- Sit forward in your chair.
- Bring your right ankle up onto your left knee.
- Keeping your back straight, lean forward until you feel the stretch in your glutes.
- Hold this stretch for 30 seconds.
- Slowly sit back up and release your leg back to the floor.
- Do the same thing with the other leg.
Tip: For an extra stretch, use your hand to apply very gentle pressure to the
knee that is bent on top.
knee that is bent on top.
Please SHARE if you plan to try this extremely simple knee stretch!
Relieve Pain In Your UPPER/MIDDLE BACK!
LittleThings / Maya Borenstein
Upper and middle back soreness can be just as bad as lower back pain. The
back muscles are so large and complex that they are sometimes the easiest to
injure. Fortunately, this stretch is one that you can do almost anywhere you are by just hugging yourself!
back muscles are so large and complex that they are sometimes the easiest to
injure. Fortunately, this stretch is one that you can do almost anywhere you are by just hugging yourself!
- Give yourself a hug.
- Place your right hand on your left shoulder and your left hand on your
right shoulder. - Take deep breaths into your back.
- Hold this stretch for 30 seconds.
- Slowly release your arms back to your sides.
Tip: To increase the stretch slightly, slowly bend forward while you are in the
hug position. Remember to keep breathing though!
hug position. Remember to keep breathing though!
Please SHARE if you plan to try this extremely simple upper/middle back
stretch!
stretch!
Relieve Pain In Your KNEES!
LittleThings / Maya Borenstein
Knee pain afflicts millions of Americans and often requires attention from a
medical specialist. However, one way to avoid knee pain or to relieve minor
knee soreness is this simple stretch that requires you to simply stand up!
medical specialist. However, one way to avoid knee pain or to relieve minor
knee soreness is this simple stretch that requires you to simply stand up!
- Sit forward in your chair with your back straight and your feet flat on the
floor. - Slowly bring yourself to standing, moving slowly and smoothly.
- Remain standing for five seconds.
- Slowly return to sitting, using very controlled movement.
- Repeat this exercise 10 times.
Tip: Make sure that regardless of where you are in the stretch, your knees
don’t ever extend beyond your toes.
don’t ever extend beyond your toes.
Please SHARE if you plan to try this extremely simple knee stretch!
Relieve Pain In Your NECK!
LittleThings / Maya Borenstein
Neck pain can definitely be…well, a pain in the neck. Luckily, the neck is one
of the easiest parts of the body to stretch. If you have someone to massage your neck, start there. But if not, or if you are in between massages, this simple
stretch will help to relieve the tightness in your neck, no matter where you are!
of the easiest parts of the body to stretch. If you have someone to massage your neck, start there. But if not, or if you are in between massages, this simple
stretch will help to relieve the tightness in your neck, no matter where you are!
- Sit forward in your chair with a straight back and your feet flat on the
floor. - Tilt your head to one side, bringing the ear towards the shoulder until you
feel a stretch. - Hold this stretch for 30 seconds.
- Slowly release your head back to the middle.
- Do the same thing on the other side.
Tip: For an added stretch, use your hand to gently pull your head further into
the stretch. Remember to always be gentle.
the stretch. Remember to always be gentle.
Tuesday, October 20, 2015
Kevin O'Leary Investing Methology
Kevin O’leary is a multi millionaire and founder of O’leary Financial Group. His method of investing encompass wealth preservation and value yield investing.
Never invest in a security that doesn’t pay you dividend and never spend your principal, only the interest. Trends doesn’t concern him. Every single stock that makes up his portfolio pays a dividend(except gold). No matter how good a stock is, if it doesn’t pay dividend, he will not be interested. Sell into strength, buy into weakness and always make sure it is maintained at 5%. Be discipline in maintaining “no more than 5% weighting in any stock and no more than 20% weighting in any sector" Which means he doesn't exceed 5% holding of any stock, even those favored by him. Within a sector, he does not exceed 20% holdings combined within it. It is his way of diversification. This means his portfolio is evenly spread out and not sector heavy. He said this method of his has saved him many times before.
Never invest in a security that doesn’t pay you dividend and never spend your principal, only the interest. Trends doesn’t concern him. Every single stock that makes up his portfolio pays a dividend(except gold). No matter how good a stock is, if it doesn’t pay dividend, he will not be interested. Sell into strength, buy into weakness and always make sure it is maintained at 5%. Be discipline in maintaining “no more than 5% weighting in any stock and no more than 20% weighting in any sector" Which means he doesn't exceed 5% holding of any stock, even those favored by him. Within a sector, he does not exceed 20% holdings combined within it. It is his way of diversification. This means his portfolio is evenly spread out and not sector heavy. He said this method of his has saved him many times before.
Thursday, October 15, 2015
The Power of belief -- mindset and success
Be careful what you say to your kids and yuorself, a FIXED mindset or GROWTH mindset
Saturday, October 10, 2015
Remember to put the glass down
How heavy is this glass of water? The answer will surprise you.A psychologist walked around a room while teaching stress management to an audience. As she raised a glass of water, everyone expected they'd be asked the "half empty or half full" question. Instead, with a smile on her face, she inquired: "How heavy is this glass of water?"
Answers called out ranged from 8 oz. to 20 oz.
She replied, "The absolute weight doesn't matter. It depends on how long I hold it. If I hold it for a minute, it's not a problem. If I hold it for an hour, I'll have an ache in my arm. If I hold it for a day, my arm will feel numb and paralyzed. In each case, the weight of the glass doesn't change, but the longer I hold it, the heavier it becomes."
She continued, "The stresses and worries in life are like that glass of water. Think about them for a while and nothing happens. Think about them a bit longer and they begin to hurt. And if you think about them all day long, you will feel paralyzed – incapable of doing anything."
Remember to put the glass down.
Sunday, September 20, 2015
World's Most Loved CEO
Published on 29 Jul 2014
CEO Mark Sebba thought he was just turning up to another ordinary day at work.
But his colleagues decided to surprise him with this incredible tribute to say "thank you" for 11 years of having him at the helm.
He may be the boss, but they clearly love him to bits!
But his colleagues decided to surprise him with this incredible tribute to say "thank you" for 11 years of having him at the helm.
He may be the boss, but they clearly love him to bits!
Friday, August 28, 2015
He earns $8,000 a month but chooses to take public transport
Nice one...You need to be staying in Singapore...
So, I’ve this friend. He prefers not to be named so let’s just call him Glenn. Glenn is a thirty-five-year-old department manager in a MNC, having gone through the typical Singaporean path of going to a Singapore JC then a local university with a scholarship. He started work since he graduated, job-hopped two times and now, he’s ready to settle down in this company, drawing a gross pay of $8,000 a month.
Single, rich and without commitment, he has a few credit cards but every morning, he still takes a bus to his office at Tuas, despite having the financial capability to buy a car.
So, why does he do this? Here’re the reasons he provide, and to be honest, it’s just so convincing that anyone owning a car could just sell off theirs now.
It’s a depreciating asset
“I won’t say it’s an asset at all—you’re essentially ‘renting’ the car because it belongs to a bank. Even if you pay for it in full, the depreciation is so high that you’re practically just burning cash as every day passes.”
Well, this is clear-cut for many.
“I won’t say it’s an asset at all—you’re essentially ‘renting’ the car because it belongs to a bank. Even if you pay for it in full, the depreciation is so high that you’re practically just burning cash as every day passes.”
Well, this is clear-cut for many.
It’s not convenient
“I know this seems unbelievable, but hear me out first. You see, some people, after work, would want to buy some food. If you’re driving, you’re just getting from point A to B. Yes, you may stop somewhere to buy food, but that’s a detour. If you’re taking the train, the infrastructure in Singapore would allow you to buy whatever you need on your way to somewhere. Want to grab some breakfast on the way to work? You can get it from any MRT station.”
“I know this seems unbelievable, but hear me out first. You see, some people, after work, would want to buy some food. If you’re driving, you’re just getting from point A to B. Yes, you may stop somewhere to buy food, but that’s a detour. If you’re taking the train, the infrastructure in Singapore would allow you to buy whatever you need on your way to somewhere. Want to grab some breakfast on the way to work? You can get it from any MRT station.”
Peak hours are unpredictable
“There have been train breakdowns, but they’re not as frequent as jams in expressways during peak hours. My understanding is that peak hours jams are almost an everyday affair—someone could spend an hour or more from Jurong to Tampines because of the jams. With trains, without breakdown, it’s an absolute one hour journey. We all don’t like uncertainty, right?”
“There have been train breakdowns, but they’re not as frequent as jams in expressways during peak hours. My understanding is that peak hours jams are almost an everyday affair—someone could spend an hour or more from Jurong to Tampines because of the jams. With trains, without breakdown, it’s an absolute one hour journey. We all don’t like uncertainty, right?”
You can’t do things in cars
“Time is precious and the time spent in driving requires full concentration; however, taking public transport gives you the freedom to catch up on old friends in Facebook, or if you’re a workaholic, read up on a report. To me, anything that can save my time is a good thing.”
“Time is precious and the time spent in driving requires full concentration; however, taking public transport gives you the freedom to catch up on old friends in Facebook, or if you’re a workaholic, read up on a report. To me, anything that can save my time is a good thing.”
You won’t get high blood pressure
“I’ve driven before and within that short frame of time, I think my blood pressure increases by a tad. Driving in Singapore is like a test of your patience—if you’re driven, you’ll just relax and sit as the driver complains. So, why not?”
“I’ve driven before and within that short frame of time, I think my blood pressure increases by a tad. Driving in Singapore is like a test of your patience—if you’re driven, you’ll just relax and sit as the driver complains. So, why not?”
Public transport in Singapore is awesome
“Agree or not is hugely subjectively, but if you’ve been to many places, especially the sub-urban areas, you’ll know how good and efficient our system is, albeit the breakdowns.”
“Agree or not is hugely subjectively, but if you’ve been to many places, especially the sub-urban areas, you’ll know how good and efficient our system is, albeit the breakdowns.”
Sunday, August 23, 2015
Cockroach Theory- A beautiful speech by Sundar Pichai.
Cockroach Theory
A beautiful speech by Sundar Pichai - an IIT-MIT Alumnus and Global HeadGoogle Chrome:
The cockroach theory for self development
At a restaurant, a cockroach suddenly flew from somewhere and sat on a lady.
She started screaming out of fear.
With a panic stricken face and trembling voice, she started jumping, with both her hands desperately trying to get rid of the cockroach.
Her reaction was contagious, as everyone in her group also got panicky.
The lady finally managed to push the cockroach away but ...it landed on another lady in the group.
Now, it was the turn of the other lady in the group to continue the drama.
The waiter rushed forward to their rescue.
In the relay of throwing, the cockroach next fell upon the waiter.
The waiter stood firm, composed himself and observed the behavior of the cockroach on his shirt.
When he was confident enough, he grabbed it with his fingers and threw it out of the restaurant.
Sipping my coffee and watching the amusement, the antenna of my mind picked up a few thoughts and started wondering, was the cockroach responsible for their histrionic behavior?
If so, then why was the waiter not disturbed?
He handled it near to perfection, without any chaos.
It is not the cockroach, but the inability of those people to handle the disturbance caused by the cockroach, that disturbed the ladies.
I realized that, it is not the shouting of my father or my boss or my wife that disturbs me, but it's my inability to handle the disturbances caused by their shouting that disturbs me.
It's not the traffic jams on the road that disturbs me, but my inability to handle the disturbance caused by the traffic jam that disturbs me.
More than the problem, it's my reaction to the problem that creates chaos in my life.
Lessons learnt from the story:
I understood, I should not react in life.
I should always respond.
I should always respond.
The women reacted, whereas the waiter responded.
Reactions are always instinctive whereas responses are always well thought of.
A beautiful way to understand............LIFE.
Person who is HAPPY is not because Everything is RIGHT in his Life..
He is HAPPY because his Attitude towards Everything in his Life is Right..!!
Tuesday, August 18, 2015
5 Common Mistakes Made by Singaporeans in Search of Their Dream Home
So you fell in love with the penthouse's infinity pool or were bowled over by the sea view from the living room. But before you eagerly hand over the booking fee or deposit, stop right there. There's nothing worse than sentencing to yourself to a life of home loan repayments only to realise that your dream home is more Headache than Heaven. Here are five common mistakes Singaporeans make when they commit themselves to a home.
Not planning your finances properly
Many people make the mistake of assuming that they can afford to make a property purchase if they're able to pay the booking fee or option fee. They then panic when they realise they don't have enough for the full downpayment of 20% of the purchase price, aren't able to secure a home loan or don't have enough money for other fees like stamp duties or legal fees. Here are some things you should do before committing to a property.
Check that you can afford the downpayment – It sounds like a no brainer, but you'd be surprised how many Singaporeans end up having to forfeit the option fee because they later realised the downpayment was too much. Note that you can use cash and/or CPF to make the downpayment. Find out more about downpayments elsewhere on MoneySmart.
Check loan eligibility – Find out if you're eligible for a home loan and how much you can borrow before you commit to a property, not after. Check out MoneySmart's Home Loan Wizard.
Check how much you have in your CPF Ordinary account – You can use your CPF funds to pay for the downpayment as well as loan installments. You'll also need to know how much you can use in CPF funds in order to calculate how much you need to borrow.
Get a quotation from a lawyer – You'll have to factor in the cost of legal fees, which are usually between two and five thousand dollars.
Check how much stamp duty you have to pay – Buyer's Stamp Duty adds up to a hefty sum, but the situation gets really serious if you already own another property and have to pay Additional Buyer's Stamp Duty.
Not checking for existing damage
If you're buying completed property, there's really no excuse to not check for existing damage. Most contracts will declare that you're purchasing the property on an as-is-where-is basis, meaning you accept the property in whatever state and condition you found it in at the time of signing the contract.
This means that if you later discover the walls are encrusted with dog faeces, you have only yourself to blame because you're supposed to have inspected the property. So when the agent or owner is showing you around, don't be too dazzled by their spiel about the beautiful view and instead take a long, hard look at the less sexy parts of the property like the following:
Not prioritizing what's important to you
That flat might have an awesome balcony and a scenic views over the Singaporean jungles, but if it's located in an area so ulu you need a helicopter to get to work, you might end up kicking yourself later. Here are some factors you might want to consider.
Overpaying for non-essential fixtures
If you're about to purchase private property, there's a chance that the price of your apartment is going to be inflated by some of the fixtures and facilities on the condo grounds over and above what you have to pay in management fees.
For instance, if your condo has a luxurious interior with a great view or a fancy rooftop jacuzzi, you'll be charged a premium. Check out the prices of other properties in the area to confirm how much of a premium you're being charged.
For renters: not fully reading the rental agreement
If you're renting a place, just finding a nice apartment and bargaining a good price aren't enough. Make sure you read the rental agreement in detail, or else you might find yourself in for a nasty surprise. In addition, be aware that you can negotiate the terms of the contract before you sign it. So by not going through the contract thoroughly, you're essentially giving the landlord free reign over what to put into it.
Some things to look out for include whether utilities and wifi are included in the price of the rent, whether there are any rules restricting your use of the property and who's going to have to pay to fix the toilet if it floods. If you're clueless on what you should be looking out for on your rental agreement, here's a breakdown of what to focus on. Follow MoneySmart on Facebook for more tips on how to make sure you can afford the home you want without going overboard.
Not planning your finances properly
Many people make the mistake of assuming that they can afford to make a property purchase if they're able to pay the booking fee or option fee. They then panic when they realise they don't have enough for the full downpayment of 20% of the purchase price, aren't able to secure a home loan or don't have enough money for other fees like stamp duties or legal fees. Here are some things you should do before committing to a property.
Check that you can afford the downpayment – It sounds like a no brainer, but you'd be surprised how many Singaporeans end up having to forfeit the option fee because they later realised the downpayment was too much. Note that you can use cash and/or CPF to make the downpayment. Find out more about downpayments elsewhere on MoneySmart.
Check loan eligibility – Find out if you're eligible for a home loan and how much you can borrow before you commit to a property, not after. Check out MoneySmart's Home Loan Wizard.
Check how much you have in your CPF Ordinary account – You can use your CPF funds to pay for the downpayment as well as loan installments. You'll also need to know how much you can use in CPF funds in order to calculate how much you need to borrow.
Get a quotation from a lawyer – You'll have to factor in the cost of legal fees, which are usually between two and five thousand dollars.
Check how much stamp duty you have to pay – Buyer's Stamp Duty adds up to a hefty sum, but the situation gets really serious if you already own another property and have to pay Additional Buyer's Stamp Duty.
Not checking for existing damage
If you're buying completed property, there's really no excuse to not check for existing damage. Most contracts will declare that you're purchasing the property on an as-is-where-is basis, meaning you accept the property in whatever state and condition you found it in at the time of signing the contract.
This means that if you later discover the walls are encrusted with dog faeces, you have only yourself to blame because you're supposed to have inspected the property. So when the agent or owner is showing you around, don't be too dazzled by their spiel about the beautiful view and instead take a long, hard look at the less sexy parts of the property like the following:
- Check for water leaks, water stains and mould, especially in the bathroom and around water pipes.
- Check for cracks in the walls, windows, doors and door frames.
- Check for cracks in the toilets and sink enamel.
- Check that the toilet flush, showers, taps, water heaters and air con units are working and that there are no leaks.
- Check that there are no missing tiles.
Not prioritizing what's important to you
That flat might have an awesome balcony and a scenic views over the Singaporean jungles, but if it's located in an area so ulu you need a helicopter to get to work, you might end up kicking yourself later. Here are some factors you might want to consider.
- Accessibility – A long commute not only costs you more money but also swallows up many hours each week. While living close to an MRT station might raise property prices, it could be worthwhile paying a bit more to cut your commute.
- Proximity to affordable amenities – If you want to shop at NTUC rather than Cold Storage, or eat at hawker centres daily, make sure these exist near your new place.
- Facilities – If you are buying private property and there are any facilities you use regularly such as tennis courts or gyms, factor in the cost of paying for them externally if your property isn't equipped with them.
Overpaying for non-essential fixtures
If you're about to purchase private property, there's a chance that the price of your apartment is going to be inflated by some of the fixtures and facilities on the condo grounds over and above what you have to pay in management fees.
For instance, if your condo has a luxurious interior with a great view or a fancy rooftop jacuzzi, you'll be charged a premium. Check out the prices of other properties in the area to confirm how much of a premium you're being charged.
For renters: not fully reading the rental agreement
If you're renting a place, just finding a nice apartment and bargaining a good price aren't enough. Make sure you read the rental agreement in detail, or else you might find yourself in for a nasty surprise. In addition, be aware that you can negotiate the terms of the contract before you sign it. So by not going through the contract thoroughly, you're essentially giving the landlord free reign over what to put into it.
Some things to look out for include whether utilities and wifi are included in the price of the rent, whether there are any rules restricting your use of the property and who's going to have to pay to fix the toilet if it floods. If you're clueless on what you should be looking out for on your rental agreement, here's a breakdown of what to focus on. Follow MoneySmart on Facebook for more tips on how to make sure you can afford the home you want without going overboard.
Friday, August 14, 2015
5 Tips to Raise Financially Savvy Kids
Very useful article from Dr Wealth.
It is more important than ever to teach kids how to be financially savvy from a year age. Unlike the previous generations who were not as wealthy, the younger generation these days do not need to worry about money thanks to the wealth built by their parents. Given the tougher economic times, the previous generations learnt about the value of money the hard way.
The most important lesson these days which many kids don’t seem to understand is that money does not grow on trees. They seem to think that money just appears magically, which is why they kick up a fuss when the parents do not buy them new toys. Teach them that money is finite and that parents need to work to earn the money.
There is no better way to teach kids the value of money other than working for money. Let them earn money through jobs like helping out at work especially if you have a family business or running errands. Be careful though not to offer monetary rewards for housework chores, as that should be something where everybody in the household contributes.
Even if you are unable to get the kids started on earning money, you can certainly still introduce them tobudgeting. You should first understand the expenses involved, such as buying food and drinks at school before giving them daily pocket money. After some time, gradually move to weekly pocket money instead. Explain to them that the money is to be used for the whole week, so they need to budget how they want to spend daily to make sure that they do not use all the money at the end of the week. By the time they become teenagers, moving to a monthly budget might make sense as well.
Kids these days spend too much time on the Ipad/Iphone and video games. Get the kids involved in outdoor activities such as hiking and sports such as soccer and stuff. Not only are these activities low cost or free, they help to keep the kids healthy and build up social skills as well as family bonding especially if you make them a family activity.
What happens to the money which they save? The idea of keeping them in a piggy bank is outdated. You need to teach them aboutinvesting concepts and perhaps even help to pay interest on their savings so that they can watch their money grow. As they grow their money, it will motivate them to save even more. When they are ready, you can begin to teach them more advanced financial concepts like running a business, investing in dividend stocks etc. In fact, a good way is to help them start investing using a regular investment plan.
It is more important than ever to teach kids how to be financially savvy from a year age. Unlike the previous generations who were not as wealthy, the younger generation these days do not need to worry about money thanks to the wealth built by their parents. Given the tougher economic times, the previous generations learnt about the value of money the hard way.
While Asian economies are generally doing much better and households are becoming wealthier, there is also an alarming trend where many of the young people do not have much savings despite working for a couple of years. Worse still, many have racked up credit card debt and personal loans. How do you ensure that your children do not fall in the same trap?
1. Teach Them That Money Does Not Grow on Trees
The most important lesson these days which many kids don’t seem to understand is that money does not grow on trees. They seem to think that money just appears magically, which is why they kick up a fuss when the parents do not buy them new toys. Teach them that money is finite and that parents need to work to earn the money.
2. Make Them Work For Money
There is no better way to teach kids the value of money other than working for money. Let them earn money through jobs like helping out at work especially if you have a family business or running errands. Be careful though not to offer monetary rewards for housework chores, as that should be something where everybody in the household contributes.
3. Show Them How to Budget
Even if you are unable to get the kids started on earning money, you can certainly still introduce them tobudgeting. You should first understand the expenses involved, such as buying food and drinks at school before giving them daily pocket money. After some time, gradually move to weekly pocket money instead. Explain to them that the money is to be used for the whole week, so they need to budget how they want to spend daily to make sure that they do not use all the money at the end of the week. By the time they become teenagers, moving to a monthly budget might make sense as well.
4. Get Them Involved In Outdoor Activities and Sports
Kids these days spend too much time on the Ipad/Iphone and video games. Get the kids involved in outdoor activities such as hiking and sports such as soccer and stuff. Not only are these activities low cost or free, they help to keep the kids healthy and build up social skills as well as family bonding especially if you make them a family activity.
5. Get Them Started on Investing
What happens to the money which they save? The idea of keeping them in a piggy bank is outdated. You need to teach them aboutinvesting concepts and perhaps even help to pay interest on their savings so that they can watch their money grow. As they grow their money, it will motivate them to save even more. When they are ready, you can begin to teach them more advanced financial concepts like running a business, investing in dividend stocks etc. In fact, a good way is to help them start investing using a regular investment plan.
If you are able to do all of the above, you can be sure that your child will have a head start in their personal finances and the financial discipline instilled would carry them through life, turning them into a financially responsible and savvy adult.
Tuesday, July 28, 2015
WHY GERMANS WORK FEWER HOURS BUT PRODUCE MORE: A STUDY IN CULTURE
Cultivate German work habit... very impressed with their culture... FOCUS & DILIGENT during work
Don't check Facebook, chit-chat, no private email, gossip, email are short and sharp to the point
Don't check Facebook, chit-chat, no private email, gossip, email are short and sharp to the point
When many Americans think of Germany, images of WWII soldiers and Hitler often come to mind. But what many people don’t realize is that Germany is the industrial powerhouse of Europe, and is a leading manufacturer of goods for export to developing Asian nations. We don’t hear about the superiority of German engineering in Volkswagen commercials for nothing!
The economic engine of the EU, Germany single-handedly saved the Eurozone from collapse in 2012. At the same time, German workers enjoy unparalleled worker protections and shorter working hours than most of their global counterparts. How can a country that works an average of 35 hours per week (with an average 24 paid vacation days to boot) maintain such a high level of productivity?
Working Hours Mean Working Hours
In German business culture, when an employee is at work, they should not be doing anything other than their work. Facebook, office gossip with co-workers, trolling Reddit for hours, and pulling up a fake spreadsheet when your boss walks by are socially unacceptable behaviors. Obviously, in the United States these behaviors are frowned up on by management. But in Germany, there is zero tolerance among peers for such frivolous activities.
In the BBC documentary “Make Me A German“, a young German woman explained her culture shock while on a working exchange to the UK.
“I was in England for an exchange… I was in the office and the people are talking all the time about their private things… ‘What’s the plan for tonight?’, and all the time drinking coffee…”
She was quite surprised by the casual nature of British workers. Upon further discussion, the Germans reveal that Facebook is not allowed in the office whatsoever, and no private email is permitted.
Goal-Oriented, Direct Communication Is Valued
German business culture is one of intense focus and direct communication. While Americans tend to value small talk and maintaining an upbeat atmosphere, Germans rarely beat around the bush. German workers will directly speak to a manager about performance reviews, launch into a business meeting without any ‘icebreakers’, and use commanding language without softening the directives with polite phrases.Whereas an American would say, “It would be great if you could get this to me by 3pm,” a German would say, “I need this by 3pm”.
When a German is at work, they are focused and diligent, which in turn leads to higher productivity in a shorter period of time.
Germans Have a Life Outside Work
Germans work hard and play hard. Since the working day is focused on delivering efficient productivity, the off hours are truly off hours. Because of the focused atmosphere and formal environment of German businesses, employees don’t necessarily hang out together after work. Germans generally value a separation between private life and working life.
The German government is currently considering a ban on work-related emails after 6pm, to counter the accessibility that smartphones and constant connectivity give employers to their employees. Can you imagine President Obama enacting such a policy in the United States?
To occupy their plentiful Freizeit, most Germans are involved in Verein (clubs); regularly meeting others with shared interests in their community. Common interests in Germany includeSportvereine (sports clubs), Gesangvereine (choirs or singing clubs), Musikvereine (music clubs),Wandervereine (hiking clubs), Tierzuchtvereine (animal breeding clubs – generally rabbits/pigeons) and collectors’ clubs of all stripes. Even the smallest village in Germany will have several active Vereinen to accommodate residents’ interests. Rather than settling in for a night of TV after work, most Germans socialize with others in their community and cultivate themselves as people.
Germans also enjoy a high number of paid vacation days, with many salaried employees receiving 25-30 paid days (the law requires 20). Extended holidays mean families can enjoy up to a month together, renting an apartment by the seaside or taking a long trip to a new, exciting city.
Business Respects Parenthood
Germany’s system of Elternzeit (“parent time” or parental leave) is the stuff of fantasy for most working Americans. The United States does not currently have laws requiring maternity leave, while Germany has some of the most extensive parental protection policies in the developed world. The downside of these maternity leave benefits is that employers may avoid hiring women (with the fear that they will take advantage of the extensive benefits), and German boardrooms are consistently male-dominated at a higher rate than other developed nations, although the government is working to eradicate this trend. The financial benefits of staying home (from both Elternzeit and Elterngeld or parents’ money programs) are often too good to pass up for German mothers, and can lead to stagnant or non-existent careers.
Since “at will” employment does not exist in Germany, all employees have contracts with their employer. Parents who have been gainfully employed for the previous 12 months are eligible for Elternzeit benefits, which include up to three years of unpaid leave with a “sleeping” contract. The employee is eligible to work part-time up to 30 hours while on leave, and must be offered full-time employment at the conclusion of the parental leave. Parents may also choose to postpone up to one year of their leave until the child’s 8th birthday. Either parent is eligible for parental leave, and many couples make the choice based on financial considerations.
In addition to the preservation of the employee’s contract, the state will pay up 67% of the employee’s salary (with a cap of 1800 Euros per month) for 14 months. Parents may split the 14 months however they choose. These benefits apply equally to same-sex couples.
Have you picked your jaw up off the floor yet?
Put Some German In Your Office
The German work culture is very different from the average American office, but there are certainly lessons to be learned from our German counterparts. The diligent focus Germans bring to their working life is to be admired. Separating work from play can help us lead a more balanced life; putting the phone down after hours gives us a mental break from stressing about work, and we can return to the office refreshed in the morning. When it’s time to get something done, closing Facebook and turning off push notifications helps keep our minds quiet and the flow steady. Direct conversation can lead to increased efficiency, and more clarity of communication among team members.
Americans often equate longer hours with increased production and superior work ethic, but examining the German model makes one wonder: When it comes to time at work, maybe less really is more!
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