When it comes to buying a property, Singapore is one of the most expensive countries in the world. Nevertheless, everyone desires to be the owner of a property. In this regard, there is another concern of the residents of Singapore. People here are always in the dilemma between buying an HDB (Public Housing Apartments) and a Condominium.
Various factors controls our decision whether to choose an HDB or a Condo. These factors include our eligibility, our lifestyle, legal matters etc.
The following are some of the reasons to choose a Condominium over an HDB.
Better facilities – A condo is well planned for its resident’s comfort. It comes not only with comfortable latest design interiors but pool, gym, barbeque, play stations for children, badminton courts, community halls etc. All these facilities help us to decide on taking a condo. The convenience of having all these facilities at our doorstep is a big advantage for sure.
Condominiums are open to all types of buyers including the foreigners –There are no restrictions on foreign ownership when it comes to buying a condominium.
No restrictions on ownership of other properties – When we own a condominium, we can still go ahead and purchase other properties at the same time.
Condominiums give us privacy – Singapore is a high-density city. If you are a person who prefers privacy then living in a condo is all what you would want. Privacy that comes along with a condo is something you do not get in an HDB.
If we go for a condominium, then we can opt for a progressive payment scheme as well.
Condominiums are more pet-friendly- In HDBs, usually certain breeds of dogs and cats are restricted from ownership. However, this is not the case in a condo.
The following are some of the reasons to choose an HDB (Public Housing Apartments) over a Condominium.
It’s safe – Though HDBs are public housings, but it is quite safe for the residents even at late night. People do not encounter any problems.
Prices of HDBs are made affordable for the public – Keeping commoners in mind, prices of HDBs have been made quite affordable and decent which helps us to decide to buy HDBs.
HDBs have good resale value – When we think of re sale, HDBs have good re-sale value.
HDB conservancy fees are lesser than even condo maintenance fees.
However whether it is a Condominium or an HDB, we always need a property agent to help us find the perfect house. In this context it is also worthy of mention that sometimes it gets a bit difficult and tiring to get a good agent.
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Exercising alone itself is quite demotivating. After a tiring day, it gets quite challenging to find the motivation to stay physically active and fit. This is why a certified or qualified personal trainer can help us achieve our goals while keeping us motivated too.
Having a personal trainer means we have someone for long-term guidance and motivation.
Personal trainer provides structure to our workout as needed and does the thinking for us so that we can focus more on ‘the doing rather than the planning’.
A sincere trainer usually does not only help us to workout but also helps us with proper nutritional diet keeping in mind our body type and our goal.
We become more accountable when we have our own Personal trainer. We soon stop finding lame excuses for not to go to the gym as we realize that somebody is waiting for our session.
Most trainers charges around $60-$80 for each session. Sometimes we even get discounts when we purchase multiple numbers of sessions from them. Considering on what we are spending i.e. our own health, this amount is not much indeed!
It is very common that we get bored with our gym routines very easily. Certified Personal trainers with their vast knowledge of exercises, trains us to do wide variety of creative exercises which keeps us going.
Personal trainer teaches us it’s all about doing what is more effective for us. Spending many hours at the gym but doing inefficient workouts would not help us to achieve the body we desire. Our trainer trains us how to maximize our efforts and our results.
Hiring a qualified personal trainer, means we are investing for a healthier and functionally active future!
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In case of house renting, both the parties the Landlord and the Tenant are always in question that who is responsible for what work. That is why, a well done rental agreement with the help of a property agent is very important so that there can be proper understanding of each one’s contractual obligation to maintain the property.
The following are some of the Tenant’s Maintenance Responsibilities –
Tenants in general are expected to keep the property clean and avoid any damages to the property deliberately.
As per contract, the Tenants might need to replace batteries of smoke detectors and fire alarms in order to make sure they are working properly.
Disposing the trash is a very important daily work of the Tenants.
When it comes to Pest control, it is tenant’s responsibility to properly maintain the sanitation of the house so that there are no insecticides or infestation. If the tenant does not keep a clean home, the landlord may deduct some amount from the tenant’s security deposit as per the lease.
Waste management is a very important matter for good hygiene. It definitely falls under tenant’s responsibility to properly dispose of any garbage which otherwise could contribute to pest infestations and diseases.
When it comes to plumbing or air conditioning, it is Tenant’s responsibility to use these fixtures properly. He should keep the pipes clear and replace the air filters too. He should report any issues to the landlord quickly to prevent further damages without any delay so that the landlord can take care of the issue accordingly.
At the time of the signing of contract, if Landscaping maintenance is already mentioned as a clause, then the tenant has to take care of it accordingly as otherwise, he can be fined for violating the contract.
Tenant should return the property in the same condition as it was at the time of the lease term. If there are any damages then the tenant needs to fix it before the handover or the landlord has the right to deduct the expenses from the tenant’s security deposit.
The following are some of the Landlord’s Maintenance Responsibilities –
When it comes to plumbing or air conditioning, it is the landlord’s responsibility to keep these systems in working condition and fixing any kind of problems with regards to these.
It is owner’s responsibility to do the pest control if there is an infestation.
The common areas like the elevators and other common-use areas also fall under landlord’s responsibility to keep them properly safe and clean.
It is the landlord’s responsibility to keep the premises of the house in a reasonable state and in compliance with the safety laws.
All the mentioned appliances, in the contract should be kept in working order by the landlord.
The landlord is responsible for most of the repairs of the home like the interior and exterior of the house, doors and windows, stairs, roof, electrical wiring, chimneys, pipes and drains, gas appliances etc
Intervention of the Property Agents –
Throughout the period of the tenancy, either parties of the contract, i.e. the landlord and tenant might face some issues that are difficult to resolve alone all by themselves. In such cases, both the parties look for a third party to mediate and resolve the problem. Here comes in the role of one of the property agents who handled the rental transaction. In many cases the respective agent steps into the matter and tries to bring a solution to the problem.
However, it is true that it is not a mandatory responsibility of the Agent to resolve such issues but some agents does step in to help and solve landlord-tenant problems simply out of goodwill. Again in some cases, the parties formally engage their agent to manage their property.
Property Agents are professionals with adequate knowledge in their field and hence can easily resolve difficult issues. Hence it is always better to bring in our Agents so that the solution can be surfaced at ease.
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Every household has some home repairs or replacement works. We all know proper maintenance keeps things running and the same goes for our home. At our house we do need some or the other maintenance work that requires some specialized men. These men are broadly called as handyman. They are also known as a handyperson or handy worker. Thus Handymen work for homeowners and businesses, either as independent contractors or as members of maintenance crews. Handyman is a technician with multiple skills and a wide range of knowledge. He is a skilled person who can do a wide range of repairs or maintenance work from minor to major, from unskilled to highly skilled. He has competence in a variety of small skills too and does odd jobs both interior and exterior of our house. He does all “fix-up tasks” of our home i.e. all kinds of domestic repairs and renovations.
Some of the Varieties or Range of Handyman services include –
Carpenter – We always have so many minor to major carpentry work at home like repair wood & glass works, hanging racks, building a new sofa, fitting entryways, mounting television or wall paintings, assembling furniture etc. All these are not quite easy to do all by ourselves and even if we try mostly we are unable to pull it throughout. Hence, for all such carpentry work the best is to call a handyman. While he does his job at ease, we can focus on some of our other works or just sit back and relax.
Electrician – Today our life is surrounded by so many electrical appliances and gadgets. Often, they create some problems or simply stop working like our Air-cons, geyser, fans, television etc. In order to repair or fix all these issues we need a professional and trained handyman.
Paint touch-ups – Painting a house is quite a tedious job, time-consuming, requires an ability to mix the colors in correct proportion to get the perfect tone, clean up all the mess etc. Handyman services are thus an absolute requirement when we need to paint the home or even for some minor touch-ups. He knows his job, has best techniques and hence we can get the job done to our satisfaction.
Plumber- Whether there is a blocked drain in the bathroom or need to install or replace taps or water leakage in the kitchen we need a plumber to fix it urgently. Sometimes it gets a bit difficult to find a good plumber at the need of the hour. Rather we can opt for a handymen service without any struggle and easily get a qualified plumbing proficient from the handyman service.
Renovation – When renovation needs to be done, be it an office space or a house we can’t think about anything else but a handyman service where-from we can easily hire a professional handyman. Renovation requires specific skills and calculated approach so that our home’s structural integrity does not get damaged.
Changing a light fixture – Often we like to give new look to our house with some beautiful lampshades or chandelier. However, doing it all by ourselves might be a bit risky. It is again actually a handyman’s job and we can stay away from the risk of being badly electrocuted.
Install Hardwood Flooring/Tile Installation and Flooring – When it comes to laying a tile floor or installing hardwood, carpet or laminate flooring, it requires special tools and professional skills. This work is very critical and even a slight mistake can ruin the entire look of the floor. A professional handyman being experts in their profession can only use the required tools effectively. It is best to call a handyman service, let the experts do their task while we are relaxed.
Hanging – At home or at office, hanging some large objects like a big LCD, gigantic art works or decorative mirrors can be quite troublesome. To our eyes, its levels and measurements might not be perfect but not for a handyman. He will make sure it’s all levels are perfect and get our job done.
Cleaning the gutters – We all know how important and mandatory it is to keep our gutters clean as they are related to further protection of our landscaping and even for the protection of the roof. This task can be easily done by a handyman.
Installing Windows – Installation of windows is obviously a job of an expert. Windows needs to be well-sealed and they need to be perfectly aligned too. All these can be done by a professional handyman for whom this is just a piece of cake!
Gardening – For some gardening work, we do not require an expert plant specialist but a handyman can do the job. This saves money as well.
Some of the Benefits are –
Saves Time – A handyman is a person who knows exactly how to get the job done. A handyman takes care of all the needs for the project like shopping, repairing and finishing the task. He comes prepared with the right tools and materials needed. Hence since he does everything for us proficiently, all we have to do is to just let him know what our requirement is and sit back and relax while he would finish the job for us. Naturally all this saves our time and energy which we can invest into some other work.
Saves Money – Hiring a handyman service is very cost-effective. If we try to finish it on our own it’s mostly a process of trial and error but handyman is a pro and they know how to move about with the project and hence we just need to pay him once to have the job done right. Moreover, handymen often gets discounted rates from suppliers and wholesalers and this works at our benefit as we can further ask for discounts from the handyman. Again, a handyman usually sets time-frame that in turn saves us the utility costs during the project and since they are in many cases charged per hour of work, it becomes a cheaper contract too!
Handymen makes us aware of the other upcoming issues ahead of time that needs repair or fixing too – When handyman makes us aware of upcoming problems which may be in a pipe or roof or windows, then knowing these problems ahead of time can help us to save money and time from future repairs and replacement.
Eliminates Stress – Since handymen are a professional individuals, we can be rest assured that his knowledge of the project will work best for the household or business. Our hassles are minimized when we opt for their professional service and thus our stress quotient is also much less.
Simplicity – Handyman is capable of all types of repair, maintenance or remodeling work. Hence, instead of hiring multiple contractors for each repair work, we just need to hire a handyman to get them all done. This saves money and completion of multiple tasks at one go thereby making the whole process much simpler for us!
Hence from what has been said above, it is indeed a service that every house needs. A handyman offers fast and reliable service with their own expertise and required tools. Hence these Handymen can actually save us the frustration and potential injury that might occur if we try to handle their job on our own. These professional handymen are skilled enough to multitask. Hence, for any of our future household or office fixes or maintenance or remodeling, we should not delay rather contact our nearest Handyman services.
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Insurance is like a financial guard or protection against any possible event or a range of events. It is an arrangement or coverage by which the insurance company or insurer provides a guarantee of compensation for some specified loss, death of breadwinner, some kind of permanent disability, property damage, critical illness, or in return for payment of a specified premium. In any of such above mentioned occurrences, the insurance company or insurer from whom we bought our policy will have to pay us an agreed amount to cover some of our losses. It is the work of an Insurance Agent or Financial Adviser to look after our policy from the beginning and guide and help us throughout the period when we hold the policy to him.
Why do we need Insurance
We all work for a good life and to fulfill our dreams and live for our loved ones. Naturally, because insurance is all about providing financial safety to ourselves and our family, protecting business from financial loss or liabilities etc it is such an important component of our financial planning. That is why we need to insure our life and our assets. This helps us to enjoy financial security, reduce stress during hard times and also secures the financial future for our family members after the death of the breadwinner.
Types of Insurance –
Life Insurance – Life insurance also known as life cover or life assurance is a policy or a contract between the policy holder and an insurer or where the former chooses the amount of coverage, time period and pays his premiums either monthly or annually. In return, his family has the reassurance from the insurer to pay the designated beneficiary a sum of money upon the death of an insured person when a valid claim is made. With this money the grieving family will get some financial help like they can pay the household bills, take care of the child-care costs or pay any debt if there were any etc.
Health Insurance – An unexpected event like critical illness, disability, trauma or accident, may leave us with some financial loss. Health insurance covers the risk of a person incurring medical expenses in whole or in part. It covers the cost of the insured’s medical and surgical expenses. However, depending on the type of health insurance coverage the person have he will either have to pay the costs out of his pocket and later he will be reimbursed or the insurer makes payments directly to the respective authority i.e hospital etc.
General Insurance – General insurance is the insurance that covers tangible assets that are susceptible to damages like fire, marine, damages to car, accident, damage to house. Hence it is called as non-life insurance policies too. General insurance products are bought as they provide protection against unforeseeable contingencies. In this type of insurance too, products come at a price in the form of premium. If any of the above mentioned events happens, then the insurance company have to pay the client an agreedamount to cover some or all of the losses. In such cases, it is the duty of the Insurance Agent or Financial Adviser to help and guide us throughout the process.
Vehicle Insurance – A vehicle is often expensive and we all want to protect it. Vehicle insurance is insurance for different types of road vehicles like – our cars, bikes, trucks, motorcycles. This gives financial protection against physical damage after an accident or damages due to traffic collisions etc. Hence depending on what coverage we select, vehicle insurance will be paying to repair for our vehicle.
Critical illness insurance – This is an insurance to cover expenses of any critical illness. As per the contract the Insurance Company has to make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses as mentioned in the predetermined list of policy papers. Such illness includes paralysis, stroke, severe burns, heart attack, any surgical procedure, cancer, coma etc.
Home Insurance – This insurance is also called homeowner’s insurance. It gives coverage to the losses and damages of the policy holder’s house and the assets in his home. It is a type of property insurance that covers a private residence. Such damages include which are caused by fires, theft, explosion, lightning strikes, household apparatus etc. However, all natural disasters are not covered by home insurance like damage caused by earthquakes and floods mostly does not fall under the coverage.
Travel Insurance – Today many people feels it safer to be covered while travelling. We can opt for the travel insurance at the time of the booking of a trip to cover us during the duration of that trip. Travel Insurance usually covers trip cancellation cost, cost of lost, stolen or damaged baggage, medical expenses, delayed baggage, flight accidents etc.
Pet Insurance – Insurance for our pets is a form of property insurance. Under this category, veterinary treatment, accidents, illnesses, injuries, rehabilitation, surgery or if the pet is lost or stolen are mostly covered.
Saying all these, let’s understand why we need an Insurance Agent or Financial Adviser. They are the best person to rely on as they have proper knowledge of the market. They are like our personal advisers who understand our individual needs and accordingly make sure that we are adequately covered. Since they are licensed insurance professionals their advice can give us the maximum protection which we might miss out if we search on our own.
Most importantly they are right around the corner and ready to help be it with home related insurance matters or auto policy or anything related to business coverage. So let’s make our future secured, by investing on Insurance while let the Insurance Agent or the financial advisers do their part to provide us the ultimate benefits from our investment.
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The TRX Suspension Trainer is perhaps on the best workout system. It is also known as Total Resistance exercises. The best thing is that this TRX can be used by people at all fitness levels as it mainly requires the trainee to use his/her own body weight to exercise. This is a specialized form of suspension training that helps to develop core stability, flexibility, body strength, balance etc. However, it is very important that we do all the forms correctly and do not injure ourselves. There are specialized and certified TRX Suspension Trainers for the purpose and it is a safer idea to have a personal trainer or TRX trainer to train us in order to yield maximum benefits from this tool.
Benefits we get from working out withTRX Suspension Trainer
It is a total-body workout that benefits people of all fitness levels.
Exercising with TRX helps to improve both mobility and stability.
It helps develop functional strength.
The best part is it does not necessarily be a gym, but it can be set-up anywhere like outdoors, home or even in hotels!
This TRX Suspension Trainer gives much greater performance than many of those large and expensive exercise machines.
Moreover, it helps to increase our metabolic results too.
TRX Suspension Trainer is great for strength training, increasing muscular endurance and for building lean muscles.
One of the major benefits working out with TRX is it makes our core very strong and stable.
Some of the various types of TRX workouts are –
TRX Push up – It is known to all of us that push-up is still one of the most dependable exercises when it comes to weight loss, muscle building or toning. Other than the on the floor style, doing push-ups on TRX suspension trainer gives our body a total new dimension.
For this we need to stand facing away from the TRX. We have to hold the handles of the TRX right at the chest height with extended arms and our palms should be facing the floor. Our feet should be kept apart too i.e. it should be shoulder-width apart and body should be aligned from head to heels. Now we have to shift our body weight to the balls of our feet and bend our elbows. Thus do the push up and return to starting position again.
Lunges – Lunges are again very popular and common fitness exercise. It improves our lower limb strength and balance. It is a very good functional exercise that betters our overall function of legs.
All we need to do is stand facing away from the TRX, one foot should be on the foot cradle and hands on hips. Now we have to bend our knees until the other thigh is parallel to the floor. Thereafter, we have to rise up to starting position. The same movement needs to be repeated on the other leg. Together that’s one set.
Triceps Extension – For this exercise, we need to stand underneath the anchor point, facing the TRX. Lean forward and hold both the handles and extend our arms in the front. Our elbows should bent 90 degrees and our palms should face away from us. Now we have to raise the handles of the TRX towards our eye level, while keeping our palms facing towards the floor and our arms must be extended. Then we need to return to the position where we started from.
High Bicep curls – At first we need to stand with feet hip-width apart, facing away from the TRX. Thereafter, we have to hold the handles by leaning forward. Our elbows should be bent at 90 degrees while it is important to keep our palms facing away from us. Thereafter we need to extend our arms followed by bending our elbows to return to starting position.
Other exercises are like – TRX Chest Press, Kneeling Triceps Press, Low Row, Alligator, Glute Bridge, Single-Leg Squat etc. All of these exercises are very good for weight loss, muscle building and toning. However, proper guidance as to how to move about with these workouts is very essential for which it is recommended to have a personal trainer or TRX trainer who is certified for the same.