Steps for an Idyllic Retirement

Everybody here in Singapore wishes for an idyllic retirement. Thankfully, we can make this happen if we start young. This is not something that we can leave to fate or to the government. Idyllic retirement entails a lot of planning and making it happen.

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Other people believe that planning for retirement can be postponed but that is where they are wrong. As much as possible, we have to start young so we can do a lot of things and ensure that bright days are ahead. Here are some steps that we can consider so we can have our idyllic retirement in 40 to 50 years from now:

  • Put aside 10% of our income for retirement: We are not keen on saving for our future because we are enjoying the present but we should at least put aside 10% of our income for retirement. If 10% is a big amount, we can start little say 2%.
  • Focus on our earnings potential: If we cannot make a lot of money, we have to focus on our earnings potential and increase it. We can do this by completing certifications, advanced degree and good experience.
  • Invest aggressively: According to financial experts, we should have at least 80-100% of our portfolio financed in equities. Even if we lose money, we can still cope up because our stocks and other investments will grow more in time.

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  • Automatic deposits: If we want a long-term savings, it is best to set up automatic deposits. This means that our banks will automatically deposit a certain amount to our account so we do not miss it.
  • Set up health allowances: We do not want to spend all our retirement money for staying healthy in the future therefore it is important that aside from retirement savings, we have health allowances. We have to remember that health concerns will be the biggest financial issue we will encounter when we retire.
  • Look for retirement plans: There is definitely a plan for everyone. It is just a matter of looking for it and making it happen. For the information of everybody, there are many life plans here in Singapore which pay dividends on top of pension funds.

At the end of the day, the key here is to start early. Retiring without a penny here in Singapore is difficult so we have to ensure our future and the future of our family. Do not put off retirement because time flies. The next thing we know, we have grandchildren and retired.

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5 Flooring Solutions Perfect for Your Flooring Needs

When decorating your space, never underestimate the power that flooring has when it comes to setting the mood of your home. So, to help you choose the right flooring solution for your space, choose from these five flooring materials shared by some home decorating experts.

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1.       Textured and Twist Designs

Wool sisal was a popular flooring solution a decade ago for it perfectly mimicked the texture of jute, and provided a lush underfoot feeling. But with all the innovations in the fibre technology, it’s no longer the only carpet option capable of providing both comfort and texture for your space. Several carpet manufacturers already produce textured and twist carpet designs made from polypropylene fibres or nylon that are capable of giving the same feeling as wool sisal.

2.       Allergy and Asthma-Friendly Designs

People who suffer from asthma and allergies no longer need to compromise their flooring solution, all thanks to the discovery of asthma and allergy-friendly carpet range. With this carpet option, you can already work with your flooring without worrying about the asthma or allergies of your kids or any family member.

3.       Coloured Carpets

Just like with interior designs, carpet colours also became diversified, adding in new palettes set in blue, grey and green bases. To choose the right shade for your space, borrow a sample of each colour and view it in your home at different times of the day.

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4.       Durable and Stain-Resistant Designs

Some of the key features of the carpets available today are durability and stain resistance. Placing a textured or twist carpet style that have these features in the busiest areas of your home will surely aid you in hiding dirt and footprints in a stylish way.

5.       Timbre Floorings

Using timbre flooring has always been a great way to add an earthy tone to your space. Instead of the traditional hardwood timbre, an engineered timbre flooring like the Plantino Engineered Oak has become a more viable option, as well as a perfect flooring solution for open spaces.

6.       Luxury Vinyl Planks

Opting for luxury vinyl planks is the best way to achieve timbre-looking floors for a cheaper price. Vinyl planks like the Genero Collection is among the flooring options capable of providing an easy to maintain flooring solution that can be taken for a real timbre flooring.

A good interior design starts from the floor going up. So, ensure that your flooring options matches the look that you want to achieve for your entire house by choosing one from the aforementioned flooring solution.

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Have a Nice-looking Lawn

A clean surrounding is a healthy surrounding. Whether it is on your backyard or your front yard, it is best to have your lawns in their well groomed state. The lawn is usually the centerpiece of the garden. It is the usual place for outdoor leisure activities for the family. It can range from grilling, to relaxing or simply serve as a playground for children.

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Having a clean lawn gives you the opportunity to breathe fresh air and appreciate the environment. Complete with effective techniques and advanced equipment, you are sure to have your lawn gleaming with green in no time.

Ever wonder why people with great environment seem more likely to have a positive outlook on life? That is because a clean environment facilitates a productive environment. This allows an active flow of energy within one’s household and not to mention a free flow of extra oxygen!

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A shame it would be to see a house with such a great architecture be blown off because of a horrid looking front yard. Imagine a lawn filled with brown dried out grasses, vacant soil patches, mud puddles, etc., welcoming you as you come home from a stress induced environment. Getting off on your car and seeing such an image, is that indeed a welcome home? There could be so many scenarios to describe the negative effects of having a messy lawn and all of them boil down to extra stress. Generally, nothing good ever comes out of an untidy yet disgusting environment.

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Preparing for Your Simple Yet Elegant Wedding

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Going back to your simple yet elegant wedding, it is possible. You do not need wedding planners because it means additional cost. You can handle everything on your own as long as you have a guide. You can consider the following guide:

Budget limit

Yes you want an inexpensive wedding but you should still determine your budget limit or ceiling. This means that you should set how much money you are willing to shed out for your wedding. This is the first thing that you should do so you can effectively allot budget for the reception, gowns, wedding photography and video.

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Reception area

Reception is not a problem here in Singapore because there are lots of places you can consider. If you found the right place, you should book it. If there are better deals or offers, do not hesitate to consider it.

Gown and suits

You should consider gown rentals. Gown rentals are not that worse. You should try it and you will be surprised how elegant it can look. Few alterations and modifications can make a difference. Do not forget about your groom’s suit. Oh, you still have your entourage to dress. The lesser the entourage, the cheaper it will cost you.

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Wedding photography and video

It is natural to relive moments with wedding photography singapore and video. If you have friends or you know someone you demands a little amount of money, you should hire them.

Food and flowers

Food and flowers give life to the celebration, especially in the various and rich cultures of Singapore. You should find caterers and arrangers that are not that expensive. You should look for cakes too!

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Honeymoon trip (optional)

Honeymoon is always there but there are people who consider honeymoon trips. You deserve honeymoon trip but if you see it unnecessary and costly, you can discard it. You can have your trip after everything is settled. Anyway, the place won’t go anywhere.

See? You do not need to spend so much money just to have an elegant wedding. The thought of a nice reception, excellent food and good company are enough to make your wedding a memorable one. The wedding is just part of the whole married life. How much you spend in the wedding is not a basis of success of your marriage. Years from now, you will look at your wedding photography and see that you had a beautiful wedding even without spending a lot. There are other people with grand weddings but they never got that far to think they established quite a start.

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You should be thankful of the opportunity to get married. Try not to think about the cheapness or simplicity of your wedding. The important thing is you love each other and the commitment to make things work no matter how ugly it gets is there.

How to Handle Online Harassment

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1. Save a copy

You may be angry and frustrated when you feel harassed but remember to save a copy of the message, video or photo. Deleting the evidence is a bad idea. You have to copy the URL of the website or get a screenshot of the webpage.

2. Call the website operators

When there is an unpleasant content, you should call the website operators right away and tell them to take down the content. If they are not reluctant, you should be persistent and let them know that you are filing a case.

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3. File a report

If the police have internet crime division, you can file a report or complaint there. They will get to the bottom of this but if there is no internet crime division, the police cannot do anything except if there is an imminent threat on your life.

These may sound simple but you will be surprised how these things can help you. When you feel that you are experiencing online harassment or cyber bullying, the best thing to do is not waste your energy by communicating to the harasser. It is recommended that you do not communicate with the harasser because it will only make things worse. You will feel more troubles and uneasy.

How Students Can Help the Environment

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For those of you who are not in the five-day event, you can still do something to save the environment. The little things that you can do when combined can be great. Here are some things that you can do for your environment:

1. Changing Lights

The first thing that you can do is replace all your light fixtures with energy star light bulbs. Energy stars is environment friendly plus it can reduce your bills.

2. Heating and Cooling Wisely

You can help the environment by heating and cooling wisely. It does not mean that you totally stop but you have to reduce its use or you can do simple things like changing the filter, calling for maintenance, etc.

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3. Energy Star

If you want to buy appliances, make sure to purchase those with energy star labels or markings. You will be assured that you are helping the environment plus your things are energy efficient.

4. Three R’s

The three R’s stand for Reduce, Reuse and Recycle. This program can help get rid of may wastes or disposals plus it can reduce air pollution and emissions.

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5. Spreading the Word

The initiative to a cleaner and greener environment will succeed greatly if you spread the word to your family, friends and colleagues. You should engage them to execute simple things like the ones mentioned above.

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