The trade war between China and the USA is having an impact on the health of global trade and since the economy of Singapore depends to a great extend on global trading; it is expected to get affected too.
As per Analysts, though this trade friction had limited impact on the Singapore’s economy till date, but its negative impact could become more noticeable in the latter part of this year and beyond.
The government has already announced that Singapore’s exports have fallen by 2.6% in last November as a result of fall of demand in China. Though many of the tariffs directly do not affect Singapore, but still they have a spill over effect on the country as Singapore plays a big role in global supply chains.
As per the Central Bank, The backbone of Singapore’s manufacturing sector i.e. the electronics segment is expected to suffer because of its links with China in the global supply chain.
Singapore’s largest export is Oil. Naturally, Oil Industry is also expected to suffer as a result of this trade conflict.
Also it is worthy of mention, that Singapore has one of the world’s busiest ports and hence transportation industry which connects the west with Asia is bound to feel the negative impacts too.
Singapore’s property market is also most likely to slow down in 2019. Since the property price is already high in Singapore, foreign investors are taking a back seat. To deal with this current situation, our Government is taking measures to keep the property prices down as well. Moreover, the resale value of HDB flats is expected to decline in 2019 too. The market trend shows that buyers are less interested in the HDB flats at the moment and hence resale of property has been slowing down.
Saying all these, there are also some silver linings to this ongoing Trade war.
Singapore Government has already tightened its monetary policy in accordance with this war so that the losses are negligible as far as it can be.
As an outcome of this Trade war, even if the factories of the corresponding companies relocates to nearby countries, Singapore still would benefit indirectly if the companies’ head offices are set up here in Singapore too.
Ministry of Manpower highlighted, that the labor market is still doing well under this trade war pressure. Total employment is expected to improve further this year and Wages are also rising.
Economists have pointed out that, since Singapore trades in diversified sectors and have a strong trading network, it will help the companies to acquire new opportunities, alternative suppliers and demand markets.
Hence, saying all this, It is quite obvious that a prolonged Trade War will surely have a severe impact on Global Economy. At this point we can only hope that this Trade war will come to an end with the best economic decisions between China and US and global economic interests will be safeguarded.
In fitness world, all fitness trainers are big advocates of stretching. It is important when we look at being fit. Stretching helps us in lot many ways. It makes our muscles stronger, flexible, improves our range of motion, improves our posture and also helps to calm our mind. Stretching loosens up the tightness of our muscles which in turn reduces our joint pains too!
Following are some of the types of Stretching :
Active stretching – Active Stretching is also called as static-active stretching. It helps to increase flexibility and strengthens our muscles. Here, we use our agonist muscles. We assume a position and then hold it there using the strength of our agonist muscles only. Thus in this type of stretching, our muscles are under the load of body weight in gravity.
Ballistic stretching – This type of stretching involves uncontrolled movements that involve momentum and bouncing.
Dynamic stretching – Dynamic stretching warms up the muscles and increases the blood flow and thus prepares them for a workout. Unlike ballistic stretching, dynamic stretching involves controlled movement with a defined range of motion.
Passive stretching – In this form of stretching, our muscles are at rest while it is being stretched. This is also referred to as relaxed stretching.
Static stretching – It is a very common form of stretching. In this form of stretching, we hold on to a challenging but comfortable position for some time. Static stretching helps to improve our flexibility.
Some of the Benefits of Stretching are as follows :
Helps us to do other physical activities at ease – It is often seen that doing some basic stretching before any type of physical activities like for example, any type of sports helps to perform well. This is why even personal trainers do stretching on their clients before and after their workout sessions.
Can calm our mind – Stretching helps to calm our mind. This further helps us to complete many other activities which need focus and calmness.
Helps to increase our flexibility – Stretching means becoming more Flexible! Being flexible is the key to be able to perform many daily activities with ease.
Helps to heal back pain – Stretching helps to strengthen our back muscles and this in turn helps to cure muscle strains and any existing back injuries too.
Stretching gives us relieve from headaches – We often get headaches from stress or tension in life. Stretching helps to relax our mind and this in turn helps to reduce our headaches from tension.
However, it is very important to stretch correctly. It is the best idea to train under professionals like a personal trainer or a certified trainer, who can help us to get the most out of it. It is true, that sometimes we get into the dilemma as to whom to hire as our own trainer; what if he is not good or it doesn’t work for us.
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We are often in a dilemma when it comes to hiring a handyman or a contractor for our household or office work. Both have their own positive sides to look at. However, today, many prefer a handyman over a contractor.
Following are some of the benefits to hire a Handyman –
It is often found that Handymen charges daily or hourly basis. Hence, many times they are cheaper than a contractor.
The size of the project does not really matter to a handyman but a contractor does consider the size of the project being offered. On the contrary, handymen are always willing to undertake even the smallest project or tasks which a contractor, might not take up.
We can very easily find a handyman through word of mouth, advertisements, phone books, fliers etc.
Most of the times, Handymen have all the required tools for the project. So hiring a handyman means we do not have to worry about arranging for the right tools for the particular work.
A handyman does variety of work. So we can get one man to do multiple tasks.
When we hire a handyman, we can save money on different types of home improvement projects. It is so because, hiring a handyman means multiple suppliers and contractors are no longer required.
All we want is stress-free completion of any project. Handyman provides a competent service and we can stay relaxed about the accurate completion of the project.
When it comes to small tasks, Handymen are very well-versed. This is so as they don’t differentiate between tasks and as a result, they gain lot of experience in a variety of jobs – be it small or big. Since they are exposed to many different minor challenges while working on different tasks, they also learn to handle such challenging situations in the process.
Hiring a Handyman means we are also eliminating the overhead costs. These men do almost all task all by themselves and hence, they do not need to pay to extra employees. This in turn enables them to give us discounts too!
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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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