Preparing a Dignified Goodbye for a Loved One

One of the most difficult tasks that families face involve preparing funeral plans for loved ones. When someone in the family dies, the survivors are left to finalize services. The entire planning process can be emotionally and financially overwhelming.

When you want to simplify planning a funeral for someone you love, you may appreciate professional guidance in choosing elements that will be appropriate for the circumstances. You also may need to plan the funeral on a relatively tight budget. By choosing a business that can offer tasteful and affordable graveside, memorial, and funeral services westchester il residents like you can get the funeral you want and one in which your family can take comfort and pride.

girl at a funeral

Selecting Practical Components
Part of planning a funeral involves choosing out facets that might be somewhat unpleasant about which to think. For example, you may need to choose an urn or casket for your deceased loved one. Being confronted with the choices might overwhelm you mentally and emotionally.

You do not have to face this choice alone but instead can rely on a skilled funeral director to help you. This individual can explain the pros and cons of each selection and also tell you the price tag of each. Based on this information, you can decide what casket or urn to use for the service.

You also may need to choose a burial plot if the loved one does not yet have one. You may not know what plots the cemetery has open for new burials. Rather than call the cemetery on your own, you can have the funeral business make that call for you to find an available plot.

It may only take a matter of hours to plan a funeral that you can afford. You get professional guidance from start to finish to help you deal with it all effectively.

Planning a funeral for a loved one does not have to be an overwhelming process. You may want to simplify it so it goes quickly yet is still something you can afford. You can find out more about the services available to families like yours by going to the website today.

No. of times viewed = 7

Air Track Gymnastics Mats

Sherilyn missed an opportunity to compete in the Get The Beat semi-finals dance competition in Singapore towards the end of last year as she injured her back during one of the routine dance practices a week before the first dance competition. After an X-ray, several physio sessions and lots of massages with essential oils and cold compress, the lump filled with fluid behind the back finally subsided.

Looking at how she flipped and rolled her back on the hard floor each time she danced sent my  heart skipping one or two beats. It would be good if her dance studio placed a few air track gymnastics mats on the floor during dance lessons for the safety of the students.

Air track mats are inflatable air tumbling mats that can be inflated by pumping air using an air pump.  They are used on the gym floor, martial arts training hall, fitness clubs, dance studios, gymnasium, yoga studio or as home entertainment.

If only the living room of our condo is spacious enough, I can consider getting an air track mat for our girls to do floor exercises, roll, tumble, flip and practise dancing and martial arts. It’s great to double up the air track mat as a mattress too whenever we have guests in the house!

These air track mats can be purchased online and offline. But we careful to only get good quality air track mats for safety purposes.  One air track company that produces good quality air track products is WholesaleAirTrack,  the world’s largest suppliers of inflatable air track and has several years of experience in producing air track.

The air track products produced by WholesaleAirTrack are made from top quality and sturdy materials, used for inflatable boat production. The air track mats are blown up to 16 hours at their factory for pressure test before shipment with finished pictures or video of the Air Track for every customer. Awesome QC they have! And they ship internationally too. Check out WholesaleAirTrack to find out more on their products.

No. of times viewed = 8

Protecting Your Future With Insurance

This post is brought to you by Mason Finance.

I can’t stress enough how important it is for everyone to have insurance to protect their future.  My insurance carrier has taken care of  my kids and my own medical bills far too many times and had I not purchased an insurance in the first place, I would have to pinch from my savings to pay for these exorbitant bills caused by unforeseen circumstances.

A friend of mine who recently lost her husband in a shocking murder case had a huge ‘windfall’ as her late husband (who was an insurance agent) had purchased an expensive life insurance for himself. Thankfully for that huge sum of money, the funeral expenses, their children’s tertiary education and daily expenses are fully taken care of.

group of people attending burial

Some people believe that they can save enough money to replace their assets should anything happen to them. The problem is that, in most cases, the expenses incurred after an accident, the death of a loved one, or a disability are beyond any savings or wealth that a person may have accumulated and it is for this reason that insurance is such an important component of your financial planning.

Buying a life insurance can be complicated but if you understand the different types of insurances, for eg. life-settlement vs. reverse insurance, cash value vs. reverse life insurance, etc., it will be easier for you to decide which type of insurance to purchase to suit your lifestyle.

Advantages of Life Insurance

1.  Life insurance provides an infusion of cash for dealing with the adverse financial consequences of the insured’s death.

2.  Life insurance enjoys favorable tax treatment unlike any other financial instrument.

3.  Many life insurance policies are exceptionally flexible in terms of adjusting to the policyholder’s needs. The death benefit may be decreased at any time and the premiums may be easily reduced, skipped or increased.

4. Permanent life insurance policies accumulate a cash value over the life of the policy that can be borrowed against tax-free. These policies can be used to supplement your retirement if your other investments fall short. These policies often come with fairly high fees, so be sure to compare the costs to those of other investment vehicles.

woman holding baby sitting on green grass field under sunset

Life insurance is essential. It’s a need and not a want. But many of us choose to ignore the reality of what would happen if we were to die unexpectedly without the proper protection. The results could be devastating for your surviving family members, leaving them with a huge bill for your final expenses, or even worse, loss of the family home because they can no longer cover the mortgage.

If you’re wondering why life insurance is important, do give a serious thought on the potentially devastating consequences of not having coverage to financially protect the people that you love.

Start today and shop around online, as well as in person, so that you get several life insurance quotes from different companies before you purchase any type of coverage. Doing this will give you a better idea of what’s available.

 

No. of times viewed = 10

Five Health Risks That Lower With Exercise

If you have a chronic disease — such as heart disease, diabetes, asthma, or back or joint pain, you will most likely be advised by your doctor to start exercising regularly. Regular exercise can bring about some important health benefits. However, it’s important to talk to your doctor before starting an exercise routine. He or she might have advice on what exercises are safe and any precautions you might need to take while exercising. If you have a chronic condition, regular exercise can help you manage symptoms and improve your health.

Regular exercise can help you lose weight and stay fit. When you exercise, you use muscles. This helps build muscle mass, and muscle tissue burns more calories — even when you’re at rest. 10 pounds of muscle would burn 50 calories in a day spent at rest, while 10 pounds of fat would burn 20 calories.

The most effective way to increase metabolism and burn more calories is by aerobic exercise and strength training. Both are important. Strength training becomes especially important as we get older, when our metabolisms tend to slow down. One way to stop this is to add some strength training to your workout at least a couple of times a week. The largest muscles (and therefore the largest calorie burners) are in the thighs, abdomen, chest, and arms.

People who want to build muscles fast take supplements, such as those from https://musclesfax.com/ to assist in building muscles. If you prefer to take a natural approach in building muscles, you need to engage in some form of resistance training that will place a load on the muscles hard enough to stress them into getting stronger and eventually bigger. This load can be gravity in the form of calisthenics like pushups, pull ups, sit up, lunges, dips, or in the form of resistance training like free weights, weight training machines, or tubing and cable pulley systems.

Aerobic exercise can help improve your heart health and endurance and aid in weight loss. High-intensity interval training is generally safe and effective for most people and can take less time. In high-intensity interval training, you alternate exercising at high levels of intensity and exercising at a less intense level for short periods of time. Even activities such as walking at higher intensities count.

Strength training can improve muscle strength and endurance, make it easier to do daily activities, slow disease-related declines in muscle strength, and provide stability to joints.

Flexibility exercises may help you to have optimal range of motion about your joints, so they can function best, and stability exercises may help reduce the risk of falls.

Here are five chronic health conditions that will improve with regular exercise:

1. Dementia
2. Some cancers
3. Osteoporosis
4. Depression
5. Arthritis

With regular exercise, not only do we feel good about our body, we feel healthy and happier, it increases our energy levels, our skin glows, we sleep better and it reduces our risk of chronic diseases. If you have not started on an exercise regimen yet, I recommend you to do so right away to reap all the benefits that come with exercise.

No. of times viewed = 87

JoyMix Concentrated Beetroot Juice Powder

The beautiful and bright colour of beetroots can make anyone fall in love with it, yet it is often ignored, perhaps because of its distinctive earthy taste.  Beetroot has been gaining amazing popularity as the new superfood around the world. It’s low in fat, full of powerful antioxidants, rich in Vitamin C, and helps in the absorption of iron.  Both the leaves and the roots can be eaten. While the pink root is sweet, the dark green leaves are bitter but very rich in calcium, iron and Vitamin A.

Beetroots are best enjoyed raw and uncooked as cooking may destroy most of its nutrients. You can add them in salads or easier to just juice them up.

I love eating beetroot, in all forms, whether it’s beetroot juice, salad, roast or soup.  I started to eat beetroot frequently when I was severely anemic before my fibroid removal surgery 1.5 years ago.  Beet root is rich in iron.

Preparing beetroot can be a major turnoff and hassle for some as the uneven and rough skin is a tad hard to peel off even with a fruit peeler. And the red juice splatters can be pretty messy. Busy people who are always on the go and rush may not have the time to prepare beet root for juicing, salad or soup. And this includes yours truly.  The solution to this is beet root  powder.  With beet root powder, you can include this superfood into your diet at anytime, hassle-free.

I found a good brand of concentrated beet root juice powder  from https://www.joypremix.com/ and I am so in love with it!  With such convenience, I can now drink beetroot juice whenever I feel like it and it takes just a minute to prep a refreshing beetroot beverage.

The best part is JoyMix’s red beetroot powder is odor-less, unlike red beet juice that has an earthy smell. It is easy to drink, making it ideal for children and even some adults who find the smell of beetroot distasteful.

Even Cass who does not like the taste of raw beetroot loves JoyMix beetroot powder.  She says it tastes like Ribena! I think so too.  This, you got to try it to verify it!

We like our beetroot powder mixed with Korean fruit vinegar.  I add one heap teaspoon of JoyMix beetroot juice powder and 2 tablespoons of Korean fruit vinegar into 200 ml of water and top up with lots of ice cubes to make a super refreshing and delightful drink to chillax when I feel hot after cooking in the evening.  Alycia loves to guzzle down this refreshing drink to quench thirst after working out in the gym or when she’s back from kickboxing / Muay Thai class.

I love the au naturel maroon color of the beetroot powder from JoyMix!

Excellent Mixability – The red beetroot powder from JoyMix has a very fine texture and excellent flowability to prevent caking and lump formation. It will easily dissolve in water and other liquids alike and won’t curdle. You can even mix it in flours for baking cakes and pastries.

I will surely restock my beetroot powder from JoyMix when the existing stock runs low.

JoyMix’s health food products are ISO22OOO/ HACCP certified. Muslim consumers can safely consume their products as they are HALAL CERTIFIED.

Here are some of the health benefits of beetroot:

Conditions Liver – Beetroot contains betaine that conditions liver and stimulates the production of enzymes. It detoxifies the body and makes you feel fresh and rejuvenated.

Lowers cholesterol – A 2011 study on rats found that beetroot extract lowered total cholesterol and triglycerides and increased HDL (good) cholesterol. It also reduced oxidative stress on the liver.

Lowers blood glucose – Though high in sugar, beetroot actually helps in regulating your blood sugar levels. Studies have shown that it does not lead to high glucose concentration in the blood. This simply means that the natural sugars in beetroot are released very slowly in the body and thus, prevents sudden spikes. In the form of the juice, it may actually help diabetics.

Rich in Folate – Joymix’s red beetroot powder is rich in folate that is necessary for production and differentiation of cells as well as maintenance of DNA structure. The high folate content makes it a great option for young children, teenagers, and pregnant women alike.

Reduces Blood Pressure – Betaine in beetroots reduces blood pressure by lowering homocysteine levels in the body. Joymix red beetroot powder contains high amounts of betaine that reduces the chances of high blood pressure, heart attacks, and strokes.

Great For Older Adults – Various studies have found beetroot to prevent and halt the progress of dementia in older adults. Regularly consuming beetroot juice can assist in keeping dementia at bay.

Sharpens Minds of Students – The high nutrient content of beetroot and its effect on blood flow enhances the cognitive functioning of the brain making it beneficial for students and teenagers.

Ideal For Keto and Vegetarian Diets – People who are following a keto or a vegetarian diet will find it easy to incorporate red beetroot powder to their diets as it has low calories.

Boosts Sports Performance – Beetroots have betaine which improves cardiovascular health and blood flow. It increases the rate at which oxygen reaches cells and boosts the performance of athletes and sportspersons.

May Prevent Cancer – The antioxidant betaine which is present in rich amounts in Joymix’s red beetroot powder has been found to protect the body against different types of cancer. It protects DNA structure in cells against damage, which is a primary cause of cancer.

Improves Digestive Health – Beetroot improves digestive health by stimulating the production of enzymes and HCL in the stomach. It also aids in the absorption of specific vitamins, minerals, and proteins.

Excellent for Weight Management – Joymix red beetroot powder is excellent for individuals who are focused on weight management as it contains low calories while being nutritionally dense.

Sharing is caring  😘 Read below to get a discount on your beetroot powder!

JoyMix is now having a promotion on their health products from organic soy powder to collagen, Bentong ginger powder, macha latte powder, chia seeds, diabetic foods and of course beetroot powder.  Just key in discount code: JOYLOVE during checkout to enjoy a 10% discount on their products!

The promotion is valid from 1 January 2019 ~ 31 March 2019, so hurry and get your beetroot powder or any health products before this offer expires!

For more information on JoyMix health food products, kindly visit:
www.joypremix.com
www.facebook.com/joypremix
www.instagram.com/joymix9

No. of times viewed = 82

Cheap & Hassle-Free Online KidZania Tickets

KidZania Kuala Lumpur is an interactive edutainment centre where children can experience the world of adults in a replica of a real city. There are various role-playing activities specifically designed to aid physical and intellectual growth. Kids have a choice of over 100 different professions in more than 60 different establishments. Be a surgeon, a fire fighter, a journalist, a pilot, a mechanic, a model, a doctor, a painter, a radio DJ and an actor, among others.

The first time that Cass went to KidZania was 1.5 years ago when she was invited by her classmate to her 9th birthday party. After spending half a day at KidZania and earning lots of kidZos, Cass fell in love with the place and was reluctant to go home.  From time to time, Cass still pesters me to bring her to KidZania Damansara so that she could try her hands on other ‘jobs’ that she did not have the time to try the previous time and to utilize all her kidZos.

I found a ticketing platform that I can get cheaper KidZania online tickets, at Tripcarte.Asia.

Tripcarte.Asia provides cheap Kidzania tickets and interesting Kidzania promotion to be enjoyed by all.

What I like about Tripcarte is that they have a FlexPlus ticket system where no reservation is required and you can go to your purchased destination at anytime (any day and any time of open hours) and don’t have to get tied down to rigid schedules.  This system suits me perfectly well as my hubby is always tied down with work and can only confirm his availability at the eleventh hour.  Because of this, it is always hard for us to buy tickets to visit places. With FlexPlus, I can purchase the tickets first and the tickets are valid for 6 months. If we decide to cancel our visit plan, we can get a guaranteed refund!

On the day of your visit at KidZania or to any destination, all you have to do is present a QR code (which you’ll get instantly via email after payment) at the online ticket counter and walk right in with no hassle of printing out the tickets.

Isn’t this ticketing system the best? It suits busy parents who cannot confirm on the date of their visit.

 

All parents are welcomed to experience the best of Tripcarte’s Kidzania Malaysia Promotions 2019 as this attraction is labelled as one of the best kids activities in KL.

Do share Tripcarte with your friends and family members. They will definitely love this hassle-free and worry-free ticketing system.

No. of times viewed = 24

How To Get Youthful Glowing Skin

What makes a woman happy? To me, I am happiest when I am healthy, beautiful and youthful looking. At almost 46, I still get remarks all the time that my looks defy my age  😊 I am ever so thankful for being blessed with youthful looking skin and looks.

Many different ingredients are touted to make you look younger. But buyer beware! Only choose products with ingredients that have been shown to make your face soft and younger looking. Choose skincare products that contain natural ingredients such as retinol, a vitamin A compound and antioxidant, vitamin C, a powerful antioxidant that helps protect skin from sun damage and green tea because of its antioxidant and anti-inflammatory properties.

Here are some of the ways to get younger-looking skin:

Eat your way to fabulous skin
Beautiful skin starts with nourishment from within.  Eat five portions of fruits and vegetables every day. Eat enough vitamin C, healthy fats, vitamin E, selenium, omega-3 and zinc to boost skin health.

Avoid the sun
The most proven way to look younger is to avoid the sun. The sun is not your skin’s good ally. Exposure to the sun’s UV rays is the primary reason for skin aging. Wear a good sunscreen if you are going to be exposed to the sun. Sothys carries sunscreen products made with active ingredients from plants, suitable even for sensitive skin.

Get enough sleep
The whole idea of beauty sleep is not a myth. Your body needs time to restore itself overnight and that includes your face, too. While you sleep, cells are busy repairing DNA damage from the day before, so snuggle down and give them a chance to get on with it. Try to get at least 7-8 hours of sleep each day.

Drink plenty of water
Try to stick to the general rule of 8 glasses of 8 ounces plain water each day. It won’t hydrate your skin directly, but it will improve the way your insides work and good gut health is soon reflected in glowing skin.

Exercise regularly
Whether it’s walking the dog, brisk walking, running, cycling or anything that gets you moving will improve your circulation. That in turn will encourage blood flow to the skin and help give it a healthy, youth-enhancing glow.

Do not smoke
Smoking causes damage to the collagen and elastin, weakening the skin and resulting in sags and bags. Women who smoke at a young age will notice sagging skin and premature wrinkles long before their nonsmoking peers.

Add an antioxidant serum to your daily routine. 
Consider these free-radical-fighting formulas your gateway to anti-agers. UV light is still able to inflict damage on your skin even if you’re wearing sunscreen but if you layer a serum containing antioxidants, such as vitamins C and E, underneath your SPF, your skin is more likely repair the damage as it occurs, preventing the onset of brown spots and fine lines prematurely.

Never go to bed with makeup
Always thoroughly remove the day’s buildup of makeup, sunscreen, and sebum from your face before going to bed.

Use a sleep mask
The latest beauty trend, the sleep mask, is worth using if you want to wake up to a more radiant complexion!  NO2CTUELLE Chrono-Destressing Sleeping Mask from Sothys is a good choice as it contains stabilized Vitamin C, detoxifying complex, yeast extract, Shea polyphenols, among others active ingredients.

Steam up your boudoir or use a diffuser
If your skin tends to be dry, using a humidifier of diffuser at bedtime can help keep it hydrated and supple. This is especially important during the winter, when cold, dry air saps moisture from your skin. But since air conditioning can also dry out your dermis, adding moisture to the air via a humidifier or diffuser with skin-loving essential oils can help keep skin glowing in summer too.

Always sleep on a clean pillowcase. 
Your skin can pick up dirt and bacteria, traces of makeup, dead skin cells, saliva, and hair product residue from a pillowcase that hasn’t been washed.  So wash your pillowcase once a week to avoid a buildup of these pore-clogging substances.

Don’t binge on junk food, bin them!
I am not talking about enjoying the occasional chocolate brownie, caramel popcorns and bag of chips. If most of your calories are coming from snacks and carbs, your skin is going to pay the price. More studies are pointing toward carbs as the bad guys for skin. Sugar, white bread, pasta, cake, and candy may speed up glycation in skin. Glycation is when sugar molecules latch onto cells, including those in skin, and cause them to become malformed and accelerate the breakdown of collagen. What you see in the mirror: loss of radiance, more noticeable lines, and skin that doesn’t look as supple. Overdoing it with carbs and dairy has been linked to acne as well.

There are a bundle of things that you could do for your skin to ensure that this largest organ of your body stays glowing, radiant, dewy, luminous, smooth — pick your adjective! The tips above are not exhaustive. Some degree of effort and sacrifices are needed to produce healthy looking skin.  Once you make changes to your diet, don’t expect an overnight miracle. It takes six weeks for new skin to emerge up to the surface, so the visible benefits from dietary changes will take just as long. Try sticking to a healthy lifestyle and diet and use a good range of skincare products. Your skin will be enviable to everyone in no time.

 

No. of times viewed = 16

Importance of Insurance

I can’t stress enough how important it is for everyone to have insurance in their life, whether it is medical insurance, car insurance, fire insurance, natural disaster insurance or life insurance.  My insurance companies have taken care of my bills far too many times and had I not purchased an insurance in the first place, I would have to pinch from my savings to pay for these bills caused by unforeseen circumstances.

Some people believe that they can save enough money to replace their assets should anything happen to them. The problem is that, in most cases, the expenses incurred after an accident, the death of a loved one, or a disability are beyond any savings or wealth that a person may have accumulated and it is for this reason that insurance is such an important component of your financial planning.

When I accidentally crashed my new car into an office building yonks ago, thank God my car insurance paid for the entire bill of my car repairs and that of the office building.

Twelve years ago, our erstwhile insurance agent forgot to renew our insurance for natural disaster when it was due. And as fate had it, our house was hit by a terrible flood that swept through the entire neighborhood. Both my car and my hubby’s car were submerged in flood waters. The entire ground floor of our house was submerged in flood water up to my waist. We spent almost RM50,000 to repair our cars and house. And not a single sen was claimable because our dear forgetful insurance agent forgot to help us renew our insurance! Had it been renewed, we could have saved so much money.

Anyway, let bygones by bygones.

What I’m trying to say is that if you have not purchased any insurance yet for your car, your assets and your life, please do so before it is too late.

Not sure how to get started? And you do not wish to approach a persistent insurance agent who sends you a hundred messages a day?

No worries. You can do it discreetly online at Sureplify.com. Sureplify is an online comparison platform that helps consumers search for the best insurance plans in cost and time-saving.

Sureplify specializes in motor insurance. Their products include car insurance, term life insurance, foreign workers insurance, road tax renewal / delivery and JPJ backlist.

 

Sureplify features their best real-time pricing which allows users to compare insurance in terms of pricing and benefits from all of the top insurers in Malaysia (Etiqa Takaful, Tune Protect, Lonpac, AXA & MSIG), in just seconds.

 

Insurance is the right thing to get for yourself and your assets. If you do not have any yet, you should seriously consider getting one now.

No. of times viewed = 17

Tips For Choosing A Good Mattress

If there is one item in my bedroom that needs getting rid of and be replaced with a new one, it would be our mattress. Our mattress is over 18 years old and has a good lining of pee, poop, puke and just about any other bodily fluid that one can think of. This said, our mattress gives us fond memories of the good times that we had co-sleeping with our 3 girls when they were babies.  However, when I think of the amount of germs and bacteria co-sleeping with us now (minus the babies), I freak out!

I keep procrastinating getting a new mattress. The thought of moving the gigantic king-size mattress out of our squeezy room to have it replaced with a new one turns me off.  Plus I hate going from shop to shop to try out mattresses.  I recently found a company that lets you order your mattress online and lets you try the mattress for 100 days, risk-free!

I guess the time is up for our mattress to go next year. Getting a new mattress for my bed will be one of the items to tick off in my New Year Resolution next year.

Before you get a mattress, it would be good if you do a little research to find out how to get a mattress that suits you that’s value for your money.  Here are some of the tips:

1  Research online before going shopping.

2  Consider a non-toxic mattress.  Studies have shown that some people with autoimmune conditions, such as rheumatoid arthritis and lupus, experience flares when they are exposed to household chemicals. Mattresses can give off a strong chemical odor and may contain several toxic ingredients including:

  1. plastics, foam, and synthetic latex, which are usually made with potentially harmful petroleum-based chemicals
  2. flame-retardant chemicals
  3. Since those materials may exacerbate pain, many people with chronic illnesses prefer to sleep on a nontoxic mattress.

 3  Take the mattress for a test drive. When shopping for a mattress, try to lie on the mattress in the store for at least 5 to 10 minutes. Don’t feel self-conscious or let the salesperson hurry you along. It’s a big purchase, and if you don’t try it for at least 5-10 minutes you’re not going to get a real feel for it. Couples should test out the mattress together.

4  Be aware that firm mattresses aren’t always better for your back. Think twice before buying a hard or firm mattress, as some research has shown that the best mattress for low back pain is a medium firm mattress rather than a firm mattress.

5  Ask about comfort guarantees or trial periods before you buy. Always check whether the seller offers trial periods and guarantee before you buy, and be sure you understand the details, such as whether you’re required to pay shipping, if it includes a money-back guarantee or exchange, if you must return the mattress within a certain time frame, etc.

Sonno offers a 100-night trial period and a 10-year guarantee on all their mattresses. Plus, they ship FREE within 3-5 days, compressed in a beautiful box. If you don’t fall in love with your Sonno, the company will give you a full refund and pick up the mattress for free!

6  Check the warranty. A good mattress will have a minimum of a 10 year full replacement or non-prorated warranty.

7  Shop at a store that specializes in mattresses. The salespeople at a mattress specialty store usually have more training on the whole subject of mattress and sleep.

Why I am considering Sonno?

Sonno has been recognised by Superbrands Malaysia with Superbrands status after a strict selection process by Malaysia Superbrands Council. The brand produces high-quality natural latex mattress at an affordable price; which includes free shipping, delivery-in-a-box, 100-nights trial, and free return.

sonno malaysia superbrands 2018

Sonno mattresses are CertiPUR US Certified, which means that they are:
✓ Made without ozone depleters
✓ Made without flame retardants
✓ Made without mercury, lead, and other heavy metals
✓ Made without formaldehyde
✓ Made without phthalates regulated by the Consumer Product Safety Commission
✓ Low VOC (Volatile Organic Compound) emissions for indoor air quality

Another feature I like is that Sonno mattresses are made without unhealthy pocketed springs. Metal parts act as a radiation antenna and this will amplify electromagnetic waves, which can be responsible for sleeping disorders and have even been linked to certain diseases. You don’t want to be spending a third of your life lying in an electromagnetic field.

I am now very tempted to order a Sonno mattress online and try it for 100 nights risk-free! Sounds too good to be true, right? It’s true. Take a look at the website to find out more about the Sonno mattress.

sleeping on sonno mattress trial

 

No. of times viewed = 7

7 Fabulous Reasons Why Blogging is the Best Job

Without a doubt, you believe that you have got the best job as a full time blogger. Writing and reading makes you unbelievably happy and you couldn’t imagine being part of the corporate world in a stuffy office. Being a blogger gives you so much freedom to do whatever you want with your day, whether you’re reading and reviewing books to try and enhance your vocabulary or contacting brands to collaborate with them. As enjoyable as full time blogging is, it doesn’t come without its struggles. It has taken you a long time to get to where you want to be and you still have a long way to go too. If you ever start to doubt your abilities or forget the reasoning behind your blogging career, you can simply step back and consider these seven fabulous reasons. 

1.  You Receive Amazing Products
When you’re a blogger you get a tonne of presents in the post almost every week, depending on how well known you have become in the blogosphere. If you really want to up your game in terms of professionalism you need to head to PhysicalAddress.com to see how you can get your own PO Box. You can check your own mailbox from your mobile phone so you can keep up to date with all of the fabulous products you have in the post.

 

person using MacBook in between teacup and plate of fruits

2. You Get to Talk About Everything You Love
Blogging is an awesome platform to be able to express your feelings and opinions on certain subject matters. Whether you’re reviewing books or talking about pop culture, there are so many opportunities for you to spark a discussion about topics that genuinely interest you. Being able to talk about everything you love is truly a job to be proud of and content with.

3. You Build a Supportive Community
When you’re having a rough day you can lean on your followers for support at any time. You will soon be able to see how invaluable this group of loyal people are and how much they really care about you. When you’re going through something personal, you should always try and speak about it on your blog so that your online community know you are going through similar life issues as them.

4. You Have a Creative Outlet
There is nothing better than having a creative mind that needs to be freed on a daily basis; instead of being chained to a dull office every day, you can spill your feelings into your blog. Being creative is an enjoyable activity for bloggers, so when you have the platform to do so it can feel extremely liberating. Most people aren’t lucky enough to have this creative outlet at their fingertips every day!

5. You Can Work Anywhere, Anytime
As a blogger you have the opportunity to work from anywhere your heart desires. Whether you’re cuddled up under a blanket in bed on a cold wintery day, or you’re sunning yourself on the beach on vacation, you can literally blog from anywhere in the world. There aren’t many jobs that allow you to work so flexibly, so be grateful for your ever changing schedule.

6. You Feel Fulfilled
When you have something inside you that just needs to be said, you have the perfect platform to release it. Feeling fulfilled is all about speaking your mind and doing something you truly love. As time goes on you will get to know exactly what job satisfaction feels like, because you are living it for yourself right now.

7. You Feel Like You Are Making a Difference
When you feel like you’re having a positive impact on a certain demographic, that can be the most rewarding feeling in the world. It is true that making money from your blog is not your number one priority, you want people to know that they are not alone in their lives. They can turn to this online support group and truly feel part of a team, even when they are having a rough day. As a blogger, you have the power to make a difference every single time you log into your website or social media.

So why wouldn’t you want to be a blogger? You get to meet amazing people, work on your own terms and truly feel like you’re impacting a community. Waking up every morning with a smile on your face, should be exactly how every blogger feels when they start their day. You have an exciting, changeable, fulfilling and creative job that will always be your biggest passion in life.

No. of times viewed = 6

Wonderfly – Wonderful Ticketing Website

We will be making a road trip back to my hometown in Ipoh this weekend. This trip will be filled with celebrations from my niece’s birthday on 21st December to big brother Ray’s birthday and Winter Solstice on 22nd December to Christmas. The finale will be hubby’s birthday on 30th December and the New Year celebration back in KL. My parents will be joining us in KL for the two final celebrations.

We have not brought the kids to anywhere for a real holiday this school holiday as hubby has been stuffed to the gills with work and back-to-back catering functions. Since he’s able to take a few days off from work to accompany us back to Ipoh for all the celebrations, we might as well have a daycation at an interesting place in Ipoh just for the kids. What I have in mind is the Sunway Lost World of Tambun, a self-contained wonderland cocooned by lush tropical jungle, natural hot springs, breathtaking limestone features of 400 million years of age and seven amazing attraction parks making it the ultimate day and night destination for a unique eco-adventure excursion for visitors of all ages.

While browsing the internet for the cheapest tickets to the Lost World of Tambun, I stumbled upon Wonderfly.  And I found really affordable entrance tickets to the theme park right at Wonderfly!  The ticket prices are way cheaper than that listed at the Sunway Lost World Of Tambun website and other ticketing platforms.

If purchased from Wonderfly, we would have saved almost a hundred Ringgit on the tickets for 8 pax. And we get instant confirmation on the purchase!

Born and bred in Malaysia, Wonderfly is a trusted online ticketing platform for consumers across all ages, travel agents, and tour operators. Founded by two young entrepreneurs, Wonderfly aims to redefine the way people obtain their tickets whether for theme parks, events, festivals or concerts via digital means.

This platform allows domestic and international consumers to make a smooth and easy process in obtaining tickets at unbeatable prices under one roof, ultimately eliminating the hassle of browsing multiple pages for the best deal.

For more information on Wonderfly, check out https://www.wonderfly.asia/

No. of times viewed = 12

Where To Look For Caregivers

Caregivers play an important role in providing care for your sick, aged or disabled loved ones.

A family caregiver is a person who provides any type of physical and/or emotional care for an ill or disabled loved one at home. Loved ones in need of care are aged parents, those suffering from a physical or mental illness, disability, substance misuse or other condition. In most cases, the primary caregiver is a spouse, partner, parent or adult child. Caregivers often take on the responsibilities of the patient while still providing for themselves and other family members.

However there will be times when we are faced with circumstances rendering us unable to care for our aged parents or sick / disabled loved ones.

When I was 18 years old and in college, my much loved maternal granny had a stroke. Consequently, she lost her memory. Both my parents were still working at that time and mum had to make a tough decision to send granny to a nursing home. Granny hated staying at the nursing home and would try to run away from the home.  It broke my heart into a million pieces each time we visited her at the nursing home. When it was time for us to leave the home after our visit, granny would run to the gate, pleading with us to bring her back. I will never forget the scene when her caretaker had to quickly lock the gate after we left, leaving my frail granny at the gate in tears, waving to us at our car and pleading for us to bring her home.

It was this heartbreaking scene at the nursing home each time we visited granny that mum decided to hire a full-time maid and brought granny home.  The maid took very good care of granny but sadly she passed on about a year later.  In those days, caregivers were difficult to find, much less in a small city.

These days, people are more inclined towards hiring caregivers to care for their loved ones vs. hiring a full-time maid.  Caregivers work in the home and help their clients with daily activities, such as bathing and bathroom functions, feeding, grooming, taking medication, and some housework. Caregivers help clients make and keep appointments with doctors, help the patients keep track of prescription, provide or arrange transportation and serve as a companion for their clients.

One good website to find caregivers is at CaregiverAsia.  CaregiverAsia is an online aggregator of health and caregiving services. Through its award-winning platform, CaregiverAsia has created an online marketplace leveraging on a shared economy of Careseekers and Caregivers. Careseekers can access on-time, trusted and transparent home care services; whilst freelance Caregivers and healthcare professionals can practice independently with full control of their schedules and terms of services. CaregiverAsia also specializes in healthcare recruitment and the placement of healthcare professionals and locums into leading healthcare institutions.

Services at CaregiverAsia can be booked via their website or via the Caregiver App which you can download from Google Play Store or App Store.

 

 

Caregiver Asia Apple IOS App

Caregiver Asia Android App

CaregiverAsia gives instant relief to Careseekers by allowing them to search and book for respite, step-down and at-home care in a transparent and affordable manner. Booking confirmation is instantaneous and is available 24/7. Caregivers listed on the platform are certified/ accredited/ experienced in their service specializations and Careseekers may search and browse Caregivers’ service offerings and the certifications and experience they have. Post service, Careseekers and Caregivers are both invited to review the care session.

Brand

For more information, please visit https://www.caregiverasia.com/.

No. of times viewed = 11

Your Guide to Finding the Perfect Menstrual Cup

Tampons and pads are fine ways to absorb your menstrual flow, but they’ve been getting some bad rep recently due to the environmental waste they leave behind at landfills and oceans and the harmful chemicals they contain.

Menstrual cups, on the other hand, are a healthier and eco-friendlier alternative. However, there are several factors to consider before you go out to buy one.

It may not be the perfect science, but here are some the things you should take into account the type of menstrual cup you’re looking for:

How To Find The Perfect Menstrual Cup

Most of the menstrual cups come in two different sizes depending on your age and whether you have given birth.

What Is Your Age?<
Age affects the required menstrual cup size because as you grow older, your hips will naturally widen. When this happens, your vaginal muscles will lose some of their elasticity. Due to this, a larger menstrual cup is suggested.

Have You Given Birth?
Menstrual cup manufacturers recommend that women who are under the age of 30 and have never given birth through their vagina to use a smaller-sized cup. On the other hand, women who have given birth and are over 30 should wear a larger-sized cup.

Here’s the thing, every woman is different. There may be some women over 30, who have children but have really strong pelvic floor muscles due to her being physically active. If this is how you are, then you may be more comfortable with a smaller cup. Still, you can make a more proper decision if you know your own body and use that information along with suggestions from menstrual cup manufacturers.

Where Does Your Cervix Sit?
Depending on your menstrual cycle, the position of your cervix may rise or fall. When choosing a menstrual cup that’s appropriate for you, it’s important to know where your cervix sits during menstruation.

Cervix Positions
High Cervix: If your cervix is difficult to reach or cannot be felt at all, then its position is pretty high during ovulation. For this, a longer menstrual cup is required.

Average Cervix: If your cervix doesn’t sit low but is easy to reach, then your cervix height is average. Fortunately, though, this cervix height can fit with most menstrual cup lengths.

Low Cervix: If your cervix sits right outside of your vagina (barely an inch) then you have a low cervix and a short menstrual cup will do for you.

You can find out where your cervix sits by inserting a clean finger inside your vagina. But be careful here. Slowly move your finger to the back of your vagina, just past the pelvic bone in a zone that can be perceived as “empty space.”

When you feel something that is like a round nub with a decline in the middle, that will be your cervix. Another interesting note is that the cervix feels like the tip of your nose during menstrual bleeding. In fact, you may want to keep measuring the height of your cervix during your period as it does not sit in the same place every day.

How Heavy Is Your Flow?
Even though there are plenty of women who claim they have a heavy flow, this is just not the case. Several studies have shown that a woman’s flow is moderate on average. And by moderate, we mean 1- 4 oz of menstrual blood (or 2 – 8 tablespoons for better clarity) over the entire course of your menstrual cycle. The average menstrual cup is specifically designed to contain an average flow.

But if your flow is heavy, then you should choose a cup with a higher capacity. These kinds of cups will need to be emptied less frequently. Even if you have no idea how heavy your flow is, it is always best to overestimate. This way, you won’t be emptying your menstrual cups too often. 

Conclusion
Once you have factored in your age, the position of your cervix and the heaviness of your flow, you will have a clearer idea on how to find the perfect menstrual cup for your period.

No. of times viewed = 42

Common Abbreviations and Jargon You Need To Know In The Real Estate Industry

Every industry has their own jargon and abbreviations that is also including the real estate industry. If you are not in the industry and as you speak with the real estate agent, you will probably be wondering what is loan to value (LTV), what is temporary occupation permit (TOP) or what is stamp duty (SD)? These are just the tip of the iceberg and here we are going to share some of the basic jargon and abbreviations.

HDB – Housing Development Board
There are many countries in the world that provides public housing to their citizens but Singapore public housing is popular and well received by their Singaporeans. About 80% Singaporeans reside in HDB flat that is distinction with the highest percentages of residents in public housing in the world. With the rising population and land scarcity in Singapore, the value of hitting $1million in the HDB market is not far away from every Singaporean dreams.

TOP – Temporary Occupation Permit
TOP refers to the time when construction is completed and the property is ready to be occupied. Then, there is another abbreviation for the certificate that is issued by the Building Authority which is the Certificate of Statutory Completion (CSC) at this time.

COV – Cash Over Valuation
Most widely used since the increase of HDB prices from year 2007 onwards, COV refers to the sum above and beyond of what the flat is value at. It is also known to reach highs of more than S$50,000 in the recent years.

LTV – Loan To Value
It refers to the maximum amount that a bank is willing to lend in financing property purchased. For a value of S$1 million property, if the LTV is at 80%, that means the bank will lend a maximum of S$800,000. Even more recently, a series of cooling measures that is introduced by local authorities to discourage speculation have included the lowering the LTV or second mortgages to 60% from 70% previously.

SSD – Standard Stamp Duty
It is imposed by the IRAS (Internal Revenue Authority Singapore) on both buyers and sellers of property. It is also calculated according to the amount of property purchase value. It is calculated according to the tier system, with 1% imposed on the first S$180,000, 2% on the next S$180,000 and 3% thereafter. With the recent cooling measures have also included new SSD rates that is ranging from 4% to 6% for residential properties that disposed of within 4 years of acquisition.

ABSD – Additional Buyer Stamp Duty
As per the name, it is the additional stamp duty apply on buyers who are existing buyers or have bought any properties before under their name. It is computed on the purchase price as stated in the dutiable document or market value of the property. Recently, the government has increased the ABSD rates by 5% for cooling measure purposes. You can click here to check out the latest ABSD rates.

VTO – View To Offer
VTO is commonly used in open listings and sometimes the owner is ‘testing the waters’ by not indicating an asking price in order to see what the property offers can attract. There are some situations where VTO listing may mean that the flat may not have had its valuation exercise completed.

Co – broke
There could be situations where both buyer and seller engaged their own agents, a co-broke refers to agreement where agents on both side agree to share exclusive listings with one another, with a 50-50 split of commission. On the contrary, the co-broke system is sometimes abused, there are cases where agents may not reveal higher offers or encourage a client to buy more expensive flat in order to earn the maximum commission amount.

OTP – Option to Purchase
It is the right offered by a seller of a property to another potential buyer of the property. It sets up an option to buy property at a certain price within a certain pre-agreed time period. Buyers has the tendency to pay a fee for the right which they have to act on the OTP within the agreed period if they still want to go ahead to buy the property.

No. of times viewed = 3

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.

 

No. of times viewed = 1

How You Can Benefit from Physical Therapy as a Mom

Many people think that physical therapists are only there for after an accident. However, there are many benefits of physical therapy in Valrico, FL. As a mom, it can be advantageous for you to make an appointment to experience the benefits firsthand.

Eliminate Pain
A physical therapist can help you work through some of the pain that you are experiencing. You may have pain as a result of childbirth, years of carrying your child on your hip or even a recent injury. Rather than simply struggling through the pain, you can overcome it with a few sessions of physical therapy.

Improve Mobility
You may be surprised to learn that a physical therapist can help you improve your mobility. If you don’t feel as though you are as flexible as you used to be, this may be as a result of your muscles not being properly worked. During physical therapy sessions, you can learn about various exercises that can help you.

man massaging woman's body

Avoid Surgery
The last thing you want to do is be down for the count while you recover from surgery. If you are dealing with a significant amount of back pain, you may think that spinal surgery is the only solution. However, it’s worth going to a physical therapist to see what can be done more naturally. It may be a great way to avoid the operating room entirely.

If you are a bit skeptical as to whether a physical therapist can help you or not, the best thing to do is schedule an appointment. This way, you can have a consultation and learn about the various ways that physical therapy can help you overcome the various aches and pains that you have.

 

No. of times viewed = 20