Lifestyle Blogger

When Buying Real Estate In Singapore, There Are Six Important Factors To Take Into Account.


Singapore is consistently ranked as one of the best cities in the world. It is cosmopolitan, clean,
vivacious and fashionable for all of these reasons, the real estate and property buying sector in
Singapore is extremely attractive and competitive. Buying a house or a condo in Singapore makes a lot of sense. It makes financial sense since property rates usually appreciate over time and the demand is consistent.Singapore is a tiny island country, and therefore the land is always at a premium. So, you need to Prepare in advance and be thorough when you’re thinking of applying for a home loan to buy real estate.
 
 

Interest Rates
The interest rate on the loan is one of the most important aspects of choosing a home loan. In
Singapore, home loans are generally based on a few key types of benchmark interest rates. One of
the most popular benchmark rates is the Singapore Interbank Offered Rate (SIBOR). 

SIBOR is a daily reference rate that is based on interest rates with which banks lend unsecured funds to other banks. To know more about labour rates and other types of interest rates, visit the Singaporeanproperty website PropertyGuru.com.sg. PropertyGuru offers a platform to learn more about Singaporean real estate and home financing, and also has portal listings of the most popular condominiums, apartment
complexes, houses, and HDB flats in Singapore.

Eligibility
Before you begin looking for properties to purchase, make sure you meet the eligibility criteria for
getting a home loan from a bank. These parameters include your income, credit score, and age. Your
information is verified during a background check. The Total Debt Servicing Ratio (TDSR) is also taken into consideration. The TDSR looks into your total debt and seeks to ensure that your monthly debt and income ratio do not exceed 60 per cent. The TDSR is an important measure that prevents
borrowers from being overleveraged.

So, here are some pointers on how to take sunkissed photos.




Taking advantage of the sun when taking photos can enhance your photos so much. I love sunny pictures, not just because of the brightness but also because they hide your flaws. Sunny pictures make your outfit look even better by naturally enhancing the colours and giving your skin a beautiful golden brown glow. So if you want to know how to best take sun-kissed photos, it's easy; just keep reading.


1. The sun is strongest between 10 a.m. and 4 p.m. if it is not a rainy day, which also depends on where you reside. What I usually do is that I work with the timing of the sun.

2. Now that you know when the sun is out, you put together your outfit and go outside.

3. Determine which direction has the best lighting effect. Because the sun is shining doesn't mean that every angel is perfect; instead, you look for a good background where the sun shines or directly hits your skin. Take some test shots, and you'll have your sun-kissed images.

https://drive.google.com/uc?export=view&id=19AcKWI8t0irpEgwo8Xj2vzwTTJ-abrz6

The sun can give you a lovely glow if you embrace its uniqueness and blessing to us on earth. With that being said, let me break down my outfit details. Just like you expected, I am wearing my favourite femmeluxe Blue Mid Wash Long Distressed Front Shorts-Rae and Zara mutlicolored v-neck top printed crop top. The top has adjustable straps that you can tie at the back in different ways.

More shopping suggestions Women’s loungewear setsLittle black dressWhite midi dress,
Ripped jeans for women, and Femme Luxe.


https://drive.google.com/uc?export=view&id=1cURBl5Tk16D2XGwRk7s47eqWWDGKV154


https://drive.google.com/uc?export=view&id=10KE18nVWLacx1wtEobyybeTdUc4tZSLR


However, it turns out that there are many myths regarding obtaining and treating poison ivy. Two Harvard dermatologists give the facts below to help you avoid — or manage — poison ivy.

How can you be exposed to poison ivy? "When I was a child, my parents informed me that poison ivy could only be contracted by touching red, shiny leaves," says Dr. Abigail Waldman, a dermatologist at the Harvard-affiliated Brigham and Women's Hospital. She emphasises that this is not true. Urushiol, the allergen-causing substance, is present throughout the year in all parts plant components, including the leaves, stems, bark, fruit, and roots.

Brushing up against any of the plant's parts or touching anything that has come into contact with the plant – your clothes, shoes, gardening tools, or your pet — can result in an allergic reaction. I don't recall being near any poison ivy, but it's likely that my dog got the oil on my hands and arms when removing her harness when we arrived home from a walk.

To avoid poison ivy, wash your hands as soon as possible.
If you've been exposed to urushiol, wash the affected area with soap and water (preferably dish soap) as soon as possible, ideally within an hour. "You should also wash anything that has been contaminated - not only your clothes, but also things you don't ordinarily wash, like your jacket and shoes," 

A rash may not appear right away.
You can develop symptoms – a red, itchy rash with blisters — four hours to four days after being exposed to urushiol. Why is there such a significant delay? Poison ivy rash is a type of allergic contact dermatitis. T cells, the immune cells that recognise and attack foreign molecules — in this case, skin proteins that react with urushiol — mediate it.

According to Dr. Jeff Yu, assistant professor of dermatology at Harvard Medical School, "T cells take 24 to 96 hours to ramp up in the body, which is why this is also known as a delayed-type hypersensitivity reaction." After your first poison ivy encounter, symptoms take longer to appear. "However, once your body has been exposed and reacted numerous times," he continues, "it tends to show up faster since your body'remembers' the rashes and has T cells ready to go."

Pixabay - CC0 Licence

Cosiness: The Solution We Need in Our Lives Now (and How To Get Better at It)

Everybody is feeling the need to have a metaphorical hug right now. It's hardly a surprise that the Danish concept of hygge is becoming more popular. Danish people have been using hygge, which is about embracing the little pleasures of life and cosines, to improve their overall happiness. But what do we have to remember about the concept of comfort? It's a good idea to know some of the benefits but also how to start practicing comfort in ways that are practical and beneficial for you.

The Benefits of Cosiness

There are a wide variety of comfort benefits in the world. From a health perspective, we are going to recover better from anything. When we feel stressed, this increases our levels of cortisol. The stress hormone is going to prolong any sense of illness because the stress is going to affect our nervous system and immune system. This is why the simple notions of comfort in our lives can do a lot for us. Whether it's ensuring that your chest and back remain supported by having deep plunge bras or wrapping yourself up in a blanket and having extra thick socks, comfort is going to reduce our stress response, which means that we're not going to feel those spikes of anxiety and depression.

Additionally, it helps you be more content. When we feel more content in our lives, we become more present, and we increase our notion of self-care, but it also ensures that we don't use ineffective coping strategies. A lot of people focus on watching too much television, spending more time on social media, or quelling stress with alcohol or drugs. When we feel more content, we start to realize that the strategies we have been using were not so affected.

How Do We Practice Comfort?

Comfort is about understanding that, like anything in life that is beneficial, it requires practice.
Create the Right Environment

The best place to begin is in the home. You need to start surrounding yourself with things that will relax you. You might not have the money to completely alter the look and feel of your home, but you can reduce stress in your life by decluttering. When we remove unnecessary clutter, we start to feel less stress pulling on us because there are fewer things to deal with. The simple act of tidying regularly will give you the ability to deal with stress more effectively because you're not experiencing that decision fatigue.

Priorities Self-Care

If you want to feel comfortable, you've got to understand that you are worth the effort. Many people feel that they are constantly giving to others, whether it's through social media or a lack of faith in themselves. It's about realizing that you can, and should, dedicate time to yourself and it is a gift to offer yourself comfort. It's something that we tend to lose touch with as we get older. As children, our parents tucked us in at night and as we became adults, we started to believe that we've got to be strong and attentive grown-ups. Having those opportunities to wrap yourself in a blanket is going to make you feel more in touch with yourself, comfortable, and therefore, cozy.

Slow Down

One of the hardest things to come to terms with is that we need to take it easy. Adrenal fatigue is a very real problem in the modern world that stems from doing too much too quickly. When we start to slow down, we become more present and exhibit more traits of mindfulness. We need to learn how to slow down, even if we have a busy life. It's about ensuring that we can compartmentalize where we need to start calming down and realising that there are aspects of our lives that don't require us to go a mile a minute. When you begin to take the pressure off yourself to go fast, you soon begin to understand that when you let things be and operate at the speed they were originally intended, you begin to do away with all of your preconceptions and fakery around what you're giving out to the world. This means that you may be more relaxed in who you are and can have significant carryover into other aspects of your life. For example, you may feel more attractive in yourself which comes from a sense of calm, sense of care, and a sense of self.

For many people, we are enduring an incredibly tough time. Now has never been a better opportunity to practice comfort.

Can technology enhance the mental health of elderly adults? 


Observing older individuals struggle with memory issues, low mood, anxiety, or a lack of ambition, especially during periods of physical separation, can be heartbreaking. You may be looking for alternatives to mental health consultations because you have to wait so long.

Reaching out to family members or religious leaders may be beneficial when discussing stressors. Alternatively, self-help books may empower older people who choose to keep their struggles private with new skills and perspectives. But with the rise of mental health mobile apps, telepsychiatry services, social media, and wearable technologies, what role does technology play in treatment?

Technology can improve the mental health and medication management of older adults.



Combating age-based stereotypes 

Upon observing a loved one struggle with their computer, you may question whether technology-based therapy should be pursued in the first place. Despite the fact that older people may be reluctant to use new technology because of stereotype threat (the fear of confirming negative preconceptions), a little assistance from loved ones can alleviate technology discomfort. The usage of technology among older people has increased significantly over the past decade, bringing with it potential benefits for mental health, everyday functioning, and quality of life.


Moving to the virtual realm 

A few years into the pandemic, a rising number of elderly people are seeing their doctors virtually. How effective is this for mental health? Several studies have thankfully demonstrated that virtual therapy is comparable to in-person treatment.
 
What about mobile applications that remove the human element? In this case, the findings indicate that mobile apps can be complementary but are insufficient as sole therapies for mental illnesses.

Privacy 

When browsing online treatments, you should confirm that the platform is HIPAA (Health Insurance Portability and Accountability Act) compliant, which means that your information is legally secured. Zoom and BlueJeans comply with HIPAA, although FaceTime and Skype do not. When using mobile apps for mental health, read the privacy policies. Red flags include disclosing or selling your information to a third party and using it for advertising purposes. 

Which apps might elderly people benefit from the most? 

Due to the rapid evolution of the market, it can be difficult to navigate the explosion of mental health apps for online treatment. Starting points for teletherapy services are Teladoc, K Health, and Doctor on Demand.
 
Wellness apps developed by the federal government (including Mindfulness Coach, COVID Coach, and CBT-i Coach) can assist in teaching skills, regulating sleep, and tracking symptoms to augment treatment of common mental diseases. For a reason, Medisafe is the most popular app for medication reminders: it provides superior privacy protection (and with the premium subscription, you can receive medication reminders in celebrity voices).

A new Harvard tool helps fact-check cancer claims.

The Internet is filled with cancer-causing substance warnings. Shady websites and sensational social media posts warn against antiperspirants, scented candles, and bras. Avoid disposable chopsticks, microwaves, radon gas, and other hazards. There are so many frightening or misleading claims that it is difficult to know which ones to take seriously. According to Timothy Rebbeck, a cancer researcher and the Vincent L. Gregory, Jr., Professor of Cancer Prevention at the Harvard T.H. Chan School of Public Health, "many people have unnecessary fears about things that might cause cancer, or they're overly cautious about things that aren't supported by science."

Rebbeck and his coworkers have developed a free tool to cut through the confusion.


How does the Cancer FactFinder work?


Experts from the Zhu Family Center for Global Cancer Prevention at Harvard T.H. Chan School of Public Health and the Center for Cancer Equity and Engagement at the Dana-Farber/Harvard Cancer Center collaborated to develop the Cancer FactFinder. It provides reliable information regarding the veracity of certain cancer claims. "It's a place to go when you hear something and don't know how to interpret it," says Rebbeck.

When you access Cancer FactFinder, you can search


for cancer claims. Enter a specific term (such as "scented candles") or simply scroll through the entire list of claims the team has investigated. "Currently, we have roughly 70. We will continue to add and update them over time, "Rebbeck says." Learn how claims are checked for accuracy. The Cancer FactFinder team relies on the expert opinion of eminent scientists and health organisations, in addition to scientific evidence from human studies. Animal experiments are not considered. "It is possible to induce cancer in laboratory animals by feeding them or rubbing them with a particular compound." That does not mean it causes human cancer, "Rebbeck asserts.

Discover the members of the Cancer FactFinder team. In addition to Rebbeck and his colleagues, there are a variety of scientific specialists and community advocates from groups such as the

BayState Health
The Boston Cancer Support
Boston University
Men of Color: Health Awareness
Silent Spring Institute
Yale University

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