Tips To Buying Your Dream Car

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When my car was damaged by a great flood years ago, I spent a lot of money to get it cleaned and repaired. Fortunately, the hubs managed to sell it to a second hand car dealer.  Next, he had to decide what type of car to purchase as replacement.  For a family of 6 including a live-in helper back then and possibly another baby in mind, he chose an MPV.  I remember I was so excited when he decided to purchase an MPV as we never had an MPV before.

Buying a car is a fun and exciting process, just like buying a house.  But it is also something that takes planning and research so that you’ll get a car within your budget that suits you and your family. Here are a few tips to buying your dream car:

1) Research
For starters, the most important tip of finding a car is performing the right research. You can’t make the right purchase without knowing the facts about the make, model and price of your car.  If you do not know where to get all the information that you need,  Cars.com is a great resource to learning about your potential purchase.  Their website has a wide selection of information that will provide you with everything you need to make an informed purchase, along with reviews and videos. Doing your research is a very important part of car shopping especially if you are a first-time buyer.

2017 Nissan Murano

2) Get the best price
When you decide to get a used car, another important tip is to not stick with one dealer. Visit a few dealers and research similar cars you are interested in to get a baseline price for the vehicle.  Visiting other dealers will give you an understanding of what you should be paying, and therefore get you the best price.  Arm yourself with all the information that you should know on the cars of your choice before you visit the car dealers to show the dealers that you know your stuff well.

2017 Mazda CX-5

3) Budget
Do not purchase a car beyond your means. Before committing to a car purchase, make sure you can afford the purchase.  Owning a car means  having to pay not only the monthly car loan installment but also the car insurance, petrol, car service, road tax and more.

4) Obtaining A Car Loan
Find a car dealer that can take care of your financial needs. These days, most car dealers can assist the purchaser to get an attractive car loan with up to 9 years repayment tenure. They even sugar coat the deal to include a 0% down payment offer to purchasers.

5) Test drive
Before purchasing a car, always be sure to test-drive a car.  Your dream car may look good to you but also ensure that it is comfortable for you and your spouse to drive it, easy to operate and have multiple safety features.

6) Child-Friendly
If you have babies or young children, do pay special attention to the car’s LATCH system.  Find a car with a proper LATCH system which is supposed to make it easier to correctly install car seats.  Cars.com have three certified child passenger safety technicians who install and write Car Seat Checks, helping to shed a little light on the often complicated and confusing process.
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Purchasing a car doesn’t have to complicated and stressful. The more you know about the process, the better off you will be.

Do you have any car purchase tips to share with us too?

Jeulia Top Engagement Rings Online Sale

Engagement rings have been around for centuries. These rings can feature diamonds and other gemstones. Diamond rings are very popular amongst the wealthy and the celebrities. Jennifer Aniston’s 10 carats engagement ring cost an estimated eye-popping USD1 million!

While diamonds are extremely expensive, other gemstones such as sapphire are much more affordable. White sapphire looks pretty similar to diamond.  White sapphire engagement rings are among the most beautiful, durable and affordable ring options.  I absolutely love the range of sapphire engagement rings from Jeulia.

You can see below some of the very elegant and affordable engagement rings from Jeulia, costing no more than a 3-figure price tag.  Yup, they are so affordable that I am so tempted to order one too.

Jeulia Classic 2.7 CT Round Cut Created White Sapphire Engagement Ring

Check out these beautiful solitaire engagement rings from Jeulia:

Jeulia Classic Solitaire Round Cut Created White Sapphire Engagement Ring

 

Jeulia Two Tone Solitaire Round Cut Created White Sapphire Engagement Ring

 

Jeulia Solitaire Round Cut Created White Sapphire Engagement Ring

For those on a tight budget, there are engagement rings costing no more than a 2-figure price tag. There are rings for everyone and every budget.

Jeulia carry thousands of breathtaking original designs that run the gamut from timeless and traditional to modern and wildly bold. Their unique pieces are designed and handcrafted in-house, then shipped directly to you.  Whether it’s for engagement or wedding, anniversary, birthday or Christmas, there is always a reason for a Jeulia ring.

 

Depression – The Silent Murder Tool

While the number of unexpected death of patients with mental health issues increased by 20% in the last three years, a lot of people remain silent on their depression. Why? At first, let’s have a look at how we react to someone talking about his or her depression. If the person speaks calmly about his or her past experience of successful struggle with depression, we are close to applaud him or her. But we stop listening to someone who is in the state of depression, whose story is emotional and lacks coherence. So, it makes no surprise that people prefer to keep their depression to themselves, no matter how severe the consequences may be.

You May Not Know That You Are Depressed
Depression is not your typical guest who would kindly knock on your door and introduce itself. It gets into your life in a way that you won’t notice it until it’s too late.  First you get the feeling that everything in your life has lost its taste and scent. You lose appetite. Then you stop eating regularly, because who cares, the food is tasteless anyway.  Many people with depression report disturbance to their sleep patterns. Some find themselves sleeping too much due to constant fatigue, but wakefulness is more common.

The scariest point is that most of your friends won’t be a great help to you. You are most likely to crack jokes about your state and they will take it as nothing more than just a joke. Only few of them may try to tell you that it looks like that you are having some problems, but you won’t listen. As a result, you may end up in a mental health facility.

Depressed Woman

You Keep Silent Because No One Likes To Hear What You Have To Say
Depressed ones know that most of their friends wouldn’t like to hear their complaints about their state of mind. Depression often forces us to say strange things like “ I wish I was dead” or “ I wish I had cancer”, which a lot of people would consider to be scary.
Sooner or later suicide thoughts may develop, and it’s another topic that none of your friends and acquaintances would like to discuss with you. So, you remain silent, until your suicidal thoughts stop being just thoughts.

You Keep Silence For Dignity
Everybody knows that depression is something ugly and unattractive. Why talking about it? It’s almost the same as telling someone that you have shitted your pants, while this story may be much funnier than your story about your depression and your slowly declining mental health.
You bed sheets are rather grey than white, you apartment is a mess, and all you do is lying face down feeling that you’re vanishing. You may still not admit the fact that you are suffering from severe depression, but you know that you look and smell bad. That’s why you prefer to hide from your friends and loved ones.

Depressed people keep silent about their depression to save their dignity. And when you are feeling better, as depression has bright days from time to time, the last thing you would like to discuss with your friends is your problem.

Lack of interest and enjoyment
Anhedonia, as psychologists call it, is another very common symptom of depression. In this state you no longer get pleasure from things you once enjoyed, and struggle to make any kind of effort.

Anhedonia is a feeling of being listless, feeling totally flat, as if the world is colourless – everything is rubbish. This can extend to relationships, with the result that people with depression often become isolated.  People who are depressed tend to find a sanctuary. They don’t want to be around people, they don’t go out as much. They spend more time at home.

What To Do?
Silence is depression’s murder tool. When you keep silent, it has all the chances to take over you. Forget about dignity, forget about people around you being scared of your condition. Whenever you have a feeling that your life is flat and has no sense  – seek help.  Professional help may be your savior.  Thanks to our friends from Romance Compass for providing this article.

Getting Your Child To The Dentist

Taking your child to the dentist should be an important part of their health. It should join the ranks of eating healthy foods and visiting the doctor as scheduled. Sometimes, your child might be afraid of going to the dentist because of the bright light in the face or the tools that are used. There are a few ways that you can help alleviate the stress that your child has so that the visit is pleasant.

Start taking your child to the dentist at about six months of age. Your child will begin to get used to the people who work in the office and become comfortable with the equipment that is used. When the child is older and starts going to a dentist Quincy MA office, then it can sometimes be frightening because of the noises, smells and sounds. You can help to relieve these fears when your child is older by taking a tour of the office before the appointment. Let your child talk to the people who work in the office and touch the equipment if it’s alright with the staff. See if your child can sit in one of the chairs to get an idea of how it feels.

Dentist with patient

Avoid using negative terms when going to the dentist. Show your child that it’s important to brush the teeth so that they can be healthy and that the dentist is someone who wants to help keep the teeth strong. Don’t use words that would inflict any kind of fear, such as pain or needle. Even if your child needs a filling or another procedure that might involve a needle of some kind, try to find a way to gently describe the procedure. Most offices have some kind of medication that can be given before the procedure begins to help your child relax.

Pretend to be a dentist at home. Brush your child’s teeth like the dentist would, and floss the teeth as well. Show your child how close the dentist will be to the face. Count your child’s teeth in the same way that the dentist will. You could also let your child pretend with stuffed animals or dolls.

Best Place To Buy Affordable Wedding Dresses

Seventeen years ago, the hubs and I spent over 10 thousand Ringgit just on our wedding photography done in a studio. This includes the rental of wedding gowns for the bride and suits for the groom. That was the most imprudent thing that we ever did, at the spur of the moment, after falling prey to the smooth-talking of the bunch of staff working at the bridal studio.  The bridal studio had in recent years closed its shutters. And we never hung our supersize masterpiece on our home walls. It was just out of size and out of place. And the pictures were totally unsatisfactory.

If we could do it all over again, splurging on rented wedding attire will be crossed out from our To-Do Wedding List. These days, the trend of young couples tying the knot is getting their nuptial shots done outdoors on some romantic islands, hills or somewhere scenic. I have a friend who donned on a casual wedding dress with running shoes with the entire entourage hiking through a jungle to a river for the wedding ceremony.  That was really epic.

Grey strapless tulle wedding gown lace up back chapel train

To design your own wedding dress or search for stunning women’s evening dresses, check out lunss.com.  They have all the designs of your dream wedding dress, prom dresses, cocktail dresses and much more.

Strapless Sweetheart Blush Tulle Flounced destination bridal Dress

 

Perfect Solution To Men’s Hair Loss Problem

Hair loss affects both men and women. While genetics plays a role, there are other factors, including hormonal imbalances, an underactive thyroid gland, nutrient deficiencies and insufficient scalp circulation.

According to recent NHS figures, a whopping 50 per cent of men will experience some degree of male pattern baldness by the time they’re fifty. And for many, it’ll start far earlier than that, with some battling the condition in their late teens.

I have a few close male friends who started having patches of baldness on their heads when they were in their mid thirties. They had tried many brands of  hair-loss prevention shampoo in the market, a bunch of expensive hair tonic, popped supplements but nothing seemed to work.  Now in their late forties, they are almost bald.

Balding is no laughing matter to anyone.  It can be severely depressing and kills the confidence of some. If you have tried all the popular remedies and still nothing seems to work, chin up! You can always get a toupee.

There are many types  and styles of men’s toupee that you can find from online and offline stores that can help cover different exposed sections of the scalp in an easy and natural manner.  If you, your spouse or your male companion is too embarrassed to walk into a store to try on a toupee, there are plenty of online stores that offer the best natural looking hair replacement systems and toupee for men that you can purchase from, away from the open public.

One such online store is at www.newhairline.com.

French Lace front and Mono Top Center Hair Replacement System

From skin hair replacement systems, mono  hair replacement systems to lace hair replacement systems salon, you can get the best hair replacement that suits your head at newhairline.com.
Don’t stress out and loose more hair over your hair loss problem. There is a perfect solution for you at newhairline.com 👦

Why Some People Consider Condominiums Over HDB

Condominiums are a luxury in Singapore and that might be the main reason why people who can afford prefer them to HDB. Even though the properties in Singapore are among the most expensive worldwide, the country has a higher ownership percentage that exceeds 90%. What does that mean? Singaporeans are rich, right? That may be the first assumption considering that the resale HDBs or public housing hit the S$1 million mark recently. Actually, we can attribute the high home-ownership percentage to brilliant retirement-saving systems in the country known as the CPF. The purpose of the systems is to allow Singaporeans become homeowners before their retirement age. The government also offers generous grants.

Homeownership is an aspiration for most Singaporeans. However, they always encounter a dilemma when deciding on whether to buy a HDB or a condominium. To make the best buying decision, you have to consider several factors such as whether you would like to sell the property in the future, the possibility of property appreciation, eligibility, and your lifestyle choice. But why do most Singaporeans prefer condo properties to HDB?

Why some people consider condominiums over HDB?
There is a bigger divide between the private and public housing in Singapore. Around 80% of people renting properties in Singapore live in HDB flats. Therefore, living in a condominium should set you apart from experiencing life in the country as a local. What’s more, the trade-offs are beneficial.

The Housing Development Board (HDB) provides subsidized flats for the Singaporeans. Perhaps, you already know that the renting prices under this category are very high. To get a condominium, you actually need more than SGD1 million. Nevertheless, you should not think that HDB properties in the country are closer to slums or ghetto. Some of the HDB properties are in line with the quality of private condominiums.

A quick example: some HDB flats in the country fall under Design, Build and Sell Scheme (DBSS). Therefore, their interiors match the quality of private condominiums. Executive Condominium (ECs) fall under the “sandwich” HDB flats class but when building them, the private developers ensure that they have amenities associated with private condominiums. You should never assume that life in a HDB is similar to pauper life. Some other factors that influence people when making a choice include:

Convenience to guests
Security in condominiums is closer to that you should expect in airports – you will actually note that at the first time you get into a condominium as a guest. Condominiums developers in the country like installing complex security measures. To access your floor in some condominiums, you will require a key card. People without a key card have to use a specific lift for the unlocking purposes. It can be hard to get into an apartment. Some guests will climb over 22 flights of stairs primarily because they cannot figure out the way to work lifts.

Guests who have to pass the guardhouse should expect harassment with many questions or demand for identification. However, in HDB flats guests can come to your door at any time and knock. Some people do not like guests. If you are one of them, you should make a wise decision.

Accessibility issues
All HDB flats are closer to train stations or bus stops. However, some private condominiums are better accessibility, too. Due to their exclusivity, private developers prefer building condominiums in the lesser busy areas. What’s more, some developers believe that people who can afford to buy condominiums can also afford to drive. It might be hard to understand that because  most people will not be able to afford a vehicle immediately after buying their first property. As a tenant, remember that you might get a living space that is hard to access. If you do not intend to rent vehicles, check the distance between the property you intend to buy and the nearest point for public transport.

Cost factors
Generally, condominiums in Singapore are more expensive than the HDB properties. However, there are exceptions. Some flats in the mature estates have higher rent that matches the non-centrally situated condominiums. People on tighter budgets choose to rent rooms in the HDB flats instead of the condominiums.

Access to the available private facilities
Private condominiums boast pools, private gyms, and spas situated downstairs. Some HDB flats feature the facilities but in public form – for example, pools open to a neighborhood. If you would like to use such amenities, condominiums are a better choice. You should not go for the best air-conditioned gym if you rarely workout. If such facilities are part of your life, you might find it hard to share the facilities in HDB areas.

Exposure to the local culture
Class issues exist in Singapore. Including individuals who grew up in condominiums have different lifestyles and attitudes compared to individuals who grew up in the HDB flats. By staying in any of the two for a particular period, you should understand why. The purpose of HDB flats in Singapore is to encourage communal living. An empty ground floor should not be a big surprise to you. The ground floors have efficiently promoted neighborhood bonding. Furthermore, Singapore has quotas on the number of foreigners may cluster in a HDB area. That is with an aim of breaking up foreigners’ enclave formation.

Actually, HDB flats have facilitated mingling and integration of Singaporeans. Within a few months, you will have developed some local habits including playing caroms or chess, eating in a coffee shop and complaining about anything wrong. If your job requires building stronger networks among the locals or you would like to experience the local culture, HDB flats are a better choice.

On the other side, life in condominiums is different from the traditional life of Singaporeans. Most Singaporeans consider upgrading from HDB flats to condominiums later in their life. In other words, you will not be very detached when living in a condominium. However, when living in a condominium, you will possibly rub shoulders with expatriates and better-heeled Singaporeans. In some condominiums, you will find managers who conduct the communal activities. Tight knit communities in most condominiums will help you mingle with locals.

Real property buyers desire to live a good and more comfortable life. That is why they mostly opt for condominiums in Singapore. You might also need to consider that when making your purchase decision.

Storytime Encourages Literacy

It’s no secret that small children love time and attention. One of the best things we can do for our little ones is to engage with them as much as possible. This stimulates their growth and makes them feel loved and important. This is perhaps why storytime is a magical activity that you can give to your children at bedtime. It’s an opportunity to express love for your children before they go to sleep and it encourages literacy as well.

A Little Love Before Bedtime
Taking the time to select a sweet story to read to your little one is the prerequisite for starting the loving habit of sitting with your child and reading before they close their eyes for a full night of rest. You and your child can select a book and then sit down to read it as a family activity. This becomes a bonding moment for you and your child to be close to each other.

Family reading bedtime. Pretty young mother reading a book to her daughter.

Something to Look Forward to
Storytime also gives children a warm loving activity to look forward to. If you make it a family ritual, children will use this activity as an opportunity to settle down, relax, and engage with the story you are telling. The more you stick to this ritual and make it a habit, it will become a loved and cherished activity that your child will look forward to. Your child will associate as an act of love that will resonate with them for years to come. Although they won’t be interested in stories about advanced medical imaging in Toms River, NJ  you can select stories that will entertain and stimulate them.

Storytime Encourages Literacy
The earlier you begin reading to your child the better. As your child gets older and begins to read, you can transfer the role of reading to the child at different times. The child will learn from you initially and gain the confidence to attempt reading on his or her own as time passes. This rite of passage will teach your children to not only enjoy storytime but to also become a part of it. This move, in turn, will encourage literacy by challenging the child to continue to read more challenging books.

Incorporating storytime into your child’s bedtime routine has many positive benefits. It’s a special way of expressing love and it gives your child something to look forward to every night. It also encourages literacy by allowing you to transfer the role of reader to the child as soon as he or she begins to learn to read.

Isagenix vs 21-Day Fix Shake

If you decide to buy a meal replacement (MR), do no rush into picking your choice. An improper shake can lead to contrary effects than what is expected. For example, if you expect to shed some weight, a wrong choice of MR solution can result in gaining excessive weight. Besides, there are many products in the market that can cause negative side effects such as nausea, vomiting, headaches, digestion issues and other health problems.

Therefore, it is quite important to use a profound approach in selecting a meal replacement product. You are  also advised to pay attention to comparison of various brands. The following review of Isagenix Shake versus 21-Day Fix reveals the strengths and weaknesses of these products.

Actually, 21-Day Fix is not a meal replacement supplement but a diet program consisting of workout plan and eating plan. The consumers receive two DVDs with special 30-minutes-workouts. Each of this workout is aimed at specific muscles and training.

In the beginning of the program, users are offered to train once a day. During the last week, users have to train twice a day.

protein

Isagenix Shake is a meal replacement, which is not designed especially for weight losing purposes. In fact, the nutrition value of the product makes it a bad choice for those who need to reduce fat in the body. The shake is rather natural and does not contain harmful ingredients except for fructose.

The intended purpose of the shake is to substitute a full meal. It is a perfect solution for the people who lack of time to prepare meal or to eat wholesome food. Due to the large amount of calories, Isagenix supplement is a good hunger suppressant. The energy value of the shake is 240 calories. The main ingredients in this shake are fiber and protein. The content of the first is 8 grams in each serving of the shake.

The protein is represented by three soy-free dairy sources. The quality of protein is rather good. Each serving of the product contain 24 grams of this essential component. Moreover, Isagenix provides a special bonus for vegetarians containing 22 grams of plant-based protein.

shake

As for the eating in 21-Day Fix, there is a special diet plan that focuses on appropriate ration of a user. The solution offers seven food containers of various colors. Each container provides a special portion control regarding the type of food. For example, red container is designed for proteins and is rated for ¾ of a cup.

The implementation of meal plan starts with calculation of target caloric intake. After that a user understands the number of containers to be used in the diet. The program is very simple and clear. Users do not need to count calories. They just use the proper containers instead.

When comparing these two brands, we must understand that Isagenix is a meal replacement, while 21 Day Fix is a diet program. However, each of these products are aimed at providing benefits for the customers. 21 Day Fix is a very effective and healthy way to manage weight. Isagenix is designed to suppress hunger and replace meal.

Cell Phone For Children

The hubby bought our eldest daughter an iPod Touch when she was 12 years old. It was a present for her for getting good grades and position in her school exam. It was given to the big girl after much lobbying, begging and whining. Her plea was “everyone else she knows has a cell phone or iPod”.  Finally her dad challenged her that should she get first placing in her exam, an iPod will be hers. She managed to prove it to her dad and she claimed an iPod from her him!

If you are wondering what an iPod Touch is, it functions just like an iPad where one gets to surf the internet, engage in social media, play music, watch videos except that it does not come with a SIM card function, thus you cannot make phone calls. It looks like an iPhone.

Our middle child got her first cell phone at the age of 11 and it was by a stroke of luck that she earned herself a Huawei cell phone. The hubby had bought me a new Huawei cell phone and with this purchase, he was given a chance to do a ‘spin and win’ at the shop.  He enlisted the girl to do the spinning and what did he know? The stars and moon must have aligned right that day, the spin won her a brand new Huawei cell phone!

And so now both our older girls have a cell phone each. I associate the iPod with an iPhone as it functions just like an iPhone sans the ability to make calls. But I can get in touch with the big girl via Facebook messenger and Facebook voice call provided there is WiFi. I find it very useful to get in touch with the girls when they go on field trips and have outings with their friends. I have made it clear to them that when they are on outings, they have to ‘report’ to me regularly, informing me of their whereabouts. It’s also very useful when I need to fetch them back from the tuition center, school or outings. They get to call me to let me know what time I should fetch them and where to wait for them.

Many parents wrestle with the issue of cell phones for kids. Should they or should they not give their child a cell phone? There are pros and cons to your child having a cell phone. We as parents need to lay the ground rules and make sure that our kids are aware that we mean what we say. I’ve had bad days with my girls over the cell phone, I’ve had days when I confiscated the phone as punishment. All in all, it’s not a bad idea for my girls to have a cell phone.

Image of cell phones

Just remember: When you give your kids the access to cell phones, you’re giving them powerful communications and production tools. They can create text, images and videos that can be widely distributed and uploaded to social media and sites. They can broadcast their status and their location. I have made it clear to my kids that they should never show their location. They can download just about everything in the world. If you think your children’s technological savvy is greater than their ability to use it wisely, pay attention to the gap. Times have definitely changed and we need to keep up with the times, but parenting hasn’t. We’re still the parents. And it’s our job to say “no, not yet.”

Oh, make sure that your kid’s cell phone is equipped with a top anti-virus app. There are many free anti-virus apps available for android now. Do your research and get the best for your child.