How to Determine What Is Causing Your Neck Pain

Anyone who has suffered from chronic neck pain knows just how uncomfortable it can be. It can diminish your quality of life. Here are some things that can help you determine what is causing your neck pain.

It is important for everyone to try to maintain good posture. When you do not have good posture, it can take a toll on your entire body. If you sit at a computer all day or you spent a lot of time looking down at your phone or tablet, you may experience neck pain because of bad posture. Speak with your doctor or use information you find online to get tips on how to improve your posture. There are certain exercises and stretches that can help you to do this.

Neck pain

Do you have an issue with TMJ? If so, this could cause your neck pain. The muscles in the jaw are very small, yet they can cause a wide variety of uncomfortable symptoms when they are strained. Address the TMJ and you may be able to say goodbye to your neck pain.

If you are dealing with a slipped disc in your upper spine, this can cause chronic neck pain. Working closely with a chiropractor can help you address this issue. Chiropractic massage hillsboro or may be a key part in the healing process.

Stress can have an overall negative impact on your health. It is something that can cause neck pain and tension in the upper body. If stress is the cause of your neck pain, find ways that you can minimize your stress or completely get rid of it. Regularly take time to do things that you enjoy and that help you get your mind off your problems. Use aromatherapy, massage, exercise, and other techniques to help you relax.

You may need to change the way you sleep in order to minimize or eliminate your neck pain. If your pillow is too hard or too soft, this can cause neck pain. Improving your sleep environment not only will help you minimize neck pain but will also help you improve your overall health.

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My Weekend (10 – 11 November 2018)

Last weekend was a very tiring one for me with no chance of me stacking up on much Z’s. As usual, this busy mum to 3 active girls have been busy chauffeuring and attending events.

I spent my Saturday night at Cass’ school concert.  Cass was part of the Ukulele performing team.  Can you spot Cass in the pic?

The concert ended way past 10:30 p.m. and by the time we reached home and showered, we only hit the sack past midnight.  I was already having a throbbing headache at the concert  and it got worse the next morning as I had to wake up early to attend a trip to the Science Centre organized by Cass’ Sunday School.

Before the trip, we had a year-end party for Sunday school children.

With a throbbing headache and feeling a tad woozy from the lack of sleep, I had to walk the entire Science Centre and paparazzied for over 2 hours with no rest!  I was pooped out by the time we had dunch or linner or whatever you call it at 3 p.m.  I was both exhausted and famished.

I had to run fast to keep up with my Energizer bunny and her friends.  With over 2 hours of non-stop brisk walking and running, I chalked up over 13,000 steps yesterday.  I chalk up between 8k – 10k steps on most weekdays.

Did you know? Very interesting!

Ahem, so chew on a gum the next time you cut onions. I’ll have to remember to buy a pack of minty chewing gum for this purpose!

It took Cass and her look-alike friend, WY over half an hour to solve this puzzle! Even with help from other kids, parents, grandparents and pastor, no one could solve this puzzle. But Cass and her ‘twin sister’ refused to give up and they finally solved the puzzle!  Cass was SO happy!

Cass and her lookalike. Same age and born less than a month apart, other parents initially thought they were the same person. Even their hair style, hair color and skin color are alike.

We survived the bunker too!

Without my usual efficient part-time helper, Maria helping me out for over a month and a hectic October and November, I have lost 1kg! With this, my weight is now back to my pre-pregnancy weight of 45kg! 🤗  But I’ll definitely pile up on the 1kg again come December with the long school holidays, celebrations, binging, festivities and merriment.

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Is Buying To Let Still Feasible?

There are many youngsters who are looking at house for rent in Seremban as buying a house is too expensive. Most people nowadays are working more than just one job to earn some extra passive income. Furthermore, property market is still considered as a popular investment. Are you thinking of buying a property for investment purpose, or to earn some passive income? However, with the recent property hike, although at a slower pace, you are still unsure if buying a property is a good way to earn some passive income as the property market is not stable yet and prices are still fluctuating.

Although our country’s currency is weak compared to the previous years, this does not stop people from investing in the property market. Before you jump onto the bandwagon of buying a property, it is essential to understand the Real Property Gains Tax (RPGT) on how it works, what it is and how it is computed. This article will elaborate on the feasibility of buying a buy to let property in Malaysia.

1. Right target market
Think about your target tenants. Finding the right target market is essential for people who are in the property market. Determine the potential target market depending on the location of your property. Young couples are more likely to rent a place instead of buying as they are not fully settled down yet. Furthermore, buying a property is still a big commitment for them. As for students, they are more likely to be interested in renting a room instead, as all they need is just a room to sleep and study. Furthermore, it is only for a short period.

2. Potential rental yield
A rental yield is the percentage you get in return based on the rental you get from your property after deducting costs incurred in maintaining your property versus total property price. As for capital gain, it is the gain or loss after you sell your property.

In order to know if your property is generating money flow from the rental that you collect is much more than comparing the rental you collect with the monthly installment that you pay, as you will also need to take other costs involved into consideration as well.

To calculate the rental yield, you may use the formula below:

Net rental yield = [(monthly rental x 12 months) – annual maintenance cost] / property price] x  100

Let’s say you are buying a RM750,000, 672 sq ft condominium unit at Verve Suites, Mont Kiara, with RM0.33 maintenance fee per sq ft. The rental rate in the market will then be RM2,800 for a furnished unit, which is equivalent to RM3,500 per annum.

Based on the calculation following the formula above, the net rental yield will then be 4.01% per year. However, the mortgage is not included yet. After taking your mortgage into consideration, your net rental yield will then be -1.16% per year based on the formula below:

Net rental yield = [annual rental – annual cost of maintenance – total instalment] / selling price x 100

Based on the calculation above, the property looks promising as a buy to let investment, and is definitely better than putting your cash in a bank under the fixed deposit scheme with a 4.15% interest rate or lower.

Miscellaneous costs

Buying a property involves other miscellaneous costs as well as you are not only paying for the property price only.

a. Property tax

Property tax is payable for all properties that include shops, lands and factories. Property tax comes in assessment tax where it is based on the annual rental value of the property; and quit rent where it is calculated on a yearly rate.

 

Assessment tax Quit rent
6%, flat rate Paid once yearly for landed property
Can be paid in two instalments RM0.035 per sqaure foot/year
Based on the annual rental value of property

b. Rental income tax

Rental income tax is only applied to those who have a total rental income of more than RM5,000. However, the cost related with your buy to let proeprty is able to get offset against the rental income. 

c. Real property gains tax (RPGT)

Real property gains tax applies to property that is sold lesser than 5 years after purchasing. RPGT charges only the profits that you get after minusing the original property price, renovation and incidental costs, such as stamp duty, legal fees, advertisement fees and etc.

 

Year Percentage (%)
1st year 30
2nd year 30
3rd year 30
4th year 20
5th year 15
6th year 0

The imposement of RPGT has its own pros and cons, with lesser impact on genuine buyers as compared to property investors. It is entirely up to you to decide whether it has more pros than cons or vice versa.

In conclusion, you will need to plan ahead and do your research before buying a property in Malaysia. Set realistic goals, build a budget and stay within your means to prevent yourself from getting into a financial debt. Know that there will be its advantages and disadvantages when it comes to investment in the property market.

 

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