Singapore is the perfect place for business owners and entrepreneurs to register their offshore companies. The registration process is simple, taxes are low and the workforce is talented. More »
Skin is the largest organ of the human body. It is also one of the organs responsible for releasing toxins and other substances to allow the body to cleanse itself. More »
Expats move to the Lion City for a myriad of reasons, from those who are looking to set up a business to those who simply want a change in lifestyle. As an expat, however, buying a property in Singapore can be a tiring and somewhat confusing process. The laws concerning the procurement of land by foreigners can be tricky to navigate around. This guide will help you buy good commercial or residential property while simultaneously fulfil all the legal obligations to avoid getting into trouble with the local government.
Read Up on Legal Framework
No amount of investment capital or fail-proof business idea will matter if you are not eligible to procure the property you need. Certain restrictions are imposed for expatriates looking to purchase land in the country. The Residential Property Act of 1973 oversees the purchase and ownership of land and property by expatriates. The bill categorizes vacant residential land, landed property, and property in housing developments that are not legally categorized as approved condos as restricted for purchase and ownership by buyers who are not a citizen of the country.
Plan Your Financing
To finance your purchase of a property, regardless if it’s HDB flats for sale or a bungalow, you’ll have to plan your mortgages and capital investment structure beforehand. You can borrow as much as 80 percent of the property’s price from your chosen Singapore-based bank. It’s savvy to learn the native etiquette when approaching these local banks to give your loan request a higher chance of getting approved. If you currently own other properties in the country, the available amount percentage is lowered down to 60 percent. Many banks, especially large ones, provide home equity loans for expats who are set on purchasing property in the country. The terms of your mortgage plan should be consulted with a local financial adviser who is knowledgeable of the local market traits and existing bank standards.
Choose a Property
This is probably the most exciting part about buying property in Singapore, yet it could also get frustrating if you fail to plan ahead. Identify the key characteristics that you want your prospects to have. If you’re going for service apartments in Singapore, do you want the building to have basic or luxury features, such as an indoor swimming pool, gym, and room service? As for location, if you are planning to rent out the property to tenants and just collect the monthly income, make sure you look for a location that boast low crime rates and have a promising economic future, meaning a possible influx of investments later on that could spur more business opportunities and employment openings within the neighbourhood.
The final step of any property search and acquisition is paperwork. Take your time in finding a good real estate agent based in the country. Your Singapore-based agent can help you finalize the papers and speak on your behalf with sellers and the regulating boards. Working with a trustworthy and competent real estate agent will guarantee quality prospects and a smooth property acquisition.
Hair loss is something that no man or woman wants to deal with, but the reality is, as we get older and age through life, a large portion of us end up losing our hair, or at least have to deal with a receding hair line or the thinning of the hair. While a lot of people think that it is only men that have to deal with this type of problem, there is a decent percentage of women that have to go through the same thing, which can actually be quite a larger problem.
The reason why it may be worse for women to go through the ordeal of losing their hair is the fact that it is for the most part expected that men will lose their hair at some point in their lives, so it is totally acceptable for a man to be losing his hair. In other words, no one will think twice if they see a man that is balding, although this is quite different when it comes to a woman. Women are not expected to lose their hair, so this can cause a huge amount of anxiety and stress to a person. If you are in this boat, luckily, there are a bunch of different options that you have in order to get your hair back. In fact, there are new procedures that are popping up all the time that are a lot more promising than hair replacement procedures of the past.
Hair Transplants and Other Options
One option that you might want to consider going with is a hair implant procedure. This basically involves taking hair from other parts of the body at the root of the hair and literally transferring the hairs onto a person’s head. You might be surprised at how effective these types of procedures are, so this is definitely a route to consider. There are a handful of other methods that can be utilized, as well as making lifestyle changes, such as using particular shampoos, and generally approaching life in a manner that protects the hair. This can be easier said than done, so if you are worrying about losing your hair and want to do everything you can to protect it, the best thing you can possibly do is sit down with your doctor and discuss your options. They will be able to analyse your hair and give you a breakdown of the different options that you have to take advantage of. They might lay out some suggestions for you, send you to an aesthetic clinic to get some additional information and guidance from a specialist, or a variety of other solutions to your problem. The bottom line is, if you are losing your hair, it can be a very difficult time to go through, but there is a lot of help out there and options that you can go with to rectify the situation, so don’t hesitate to give your doctor a call and set up a time to come in to discuss and weigh your options.
Cartoon-ish characters, refreshing maps and terrains, and a solid storyline are what sets Maplestory 2 from the rest of the pack. This free-to-play MMORPG brings the same entertaining and fun quests, NPCs, and mobs players have come to love from its prequel, Maplestory. For beginners who are looking to download and play the game soon, here’s a comprehensive guide to get you started.
As mentioned earlier, the game’s backdrop is what makes it consistently interesting. While the game does serve as a sequel to the original, the story predates the events of Maplestory wherein the origins of all earthly life, time, and space are being managed by powerful sages. However, dark forces manage to break the balance thus placing the world in utter chaos.
Creating Your First Character
After you’ve downloaded the required files from the online game store, it’s time to create your first character. Character customization is a robust field, with the ability to change gender, hair, eyes, skin colour, and even facial features. Clothing can also be changed for both upper and lower bodies. It’ll be difficult to find other characters who look exactly like you. At the time of writing, you are allowed a maximum of five characters. Names must be 3 to 12 letters long and contain no special characters.
Familiarizing Yourself With the UI
Compared with its predecessor, the sequel no longer has that bulky information box that used to reside at the bottom of your screen. You’ve got the mini map at the top right corner, the chat box on your left bottom corner, the skill and item box at the bottom centre which contains your hotkeys and your HP/SP/EP bars. The latter is less common in MMORPGs, and is used for action skills.
Identifying Job Classifications
If you’ve played MMORPGs before, this part is probably the most exciting. Choosing your job will greatly impact how you play the game later on. There are four main classes in Maplestory 2, namely Warrior, Magician, Archer, and Rogue. Each primary class has two respective sub-classes. Warriors can level up into either a Berserker or Knight, Magicians into a Priest or Wizard, Archers into a Ranger or Gunner, and Rogues into a Thief or Assassin. Needless to say, each primary and sub class will imbue your character with a different set of skills or abilities.
Collecting Equipment and Mounts
In-game equipment include hat, earrings, belts, shirts and pants, rings, capes, shoes, and of course weapons. Each wearable equipment bestows additional stats, such as increased magic damage or reduced elemental damage. This gives players the ability to switch armour sets to suit their current activity, whether they are farming an area or battling in PvP combat. Mounts are another interesting cosmetic item you can equip to your character. Different mounts exist in-game, such as ducks and cars.
The guide above is only but a fraction of what the game offers. You’ll also be learning about guilds and parties, black market, binoculars, treasure chests, mysterious hats, and more. Download the game for free and start testing out what you’ve learned here.
If you’re a foreigner to Singapore, there are a few things you need to know about the housing market in the country. The Residential Property Act governs much of the purchasing abilities of buyers. There are restrictions regulated by this law to impose thresholds on buyers who don’t live in Singapore as a permanent resident.
The government of Singapore favours its citizens when it comes to buying and renting property. Since the area is tiny, it doesn’t leave a lot of room for landed buildings, which is why there are so many condo buildings. It increases the amount of residents that can live in a block of housing units. While there are plenty of restrictions, there is still a chance for non-residents to buy Singapore property.
Residential and Non-Residential
These two types of properties will influence whether you can buy house for sale in Singapore as a foreigner. If you’re looking to buy a property that is categorized with the tag of non-residential, you wouldn’t have to worry about being a foreigner to purchase it.
If the property is restricted residential property, you’ll need approval from the government. This is typically true of landed property in Singapore, which includes bungalows, terrace houses and semi-detached dwellings.
Your dream of buying a landed property in Singapore doesn’t have to end because you need approval. Those foreigners with permanent resident status can be allowed to purchase landed property. The government also looks at the person’s economic contribution and history with the country. Education and profession has a lot of influence with the government.
When you’re not considered a citizen, you’ll need to get approval for the purchase of landed property from the Controller of Residential Property as well as the Singapore Land Authority.
Before searching for the home you want, you’ll need to get an Approval-in-Principle from your bank. This AIP lasts for six months, but you can renew it when you need to show it to the sellers. Without an AIP, many sellers won’t accept the next step in the process, which is the Option to Purchase.
Duties and Fees
Aside from the cost of the home, there will be other costs like the stamp duty that has to be paid. There is the buyer’s stamp duty as well as the additional buyer’s stamp duty. The buyer’s stamp duty is 3 percent of the cost of the home. Foreigners are taxed the additional buyer’s stamp duty for any residential property that they purchase. There’s also property tax to be paid. Along with the stamp duties, there are fees to be paid to the government for your application too.
Buying landed property can be a long process, but it’s entirely possible for non-residents to be approved for housing in Singapore. It helps when you know the process and what to expect from the fees to the approval time, which can take up to three months.
Cleaning the kitchen and dining room is a normal part of the daily process but occasionally it is necessary to do a major clean-up job. The best way to get the cleaning done, while leaving floors and counters spotless, is to start with the stove.
Where to Start?
Open the oven. Remove connective cooking devices and soak them in a good cleaning solution. The stove is no doubt the grungiest part of the kitchen. It gets the greasy pots and pans that are the most difficult to clean. Stove utensils are time consuming to clean. So, it is best to soak these while cleaning the rest of the kitchen.
There are so many things to clean in the kitchen, sink, dishwasher, garbage disposal and counters. Cabinets get terribly disorganized, especially if you have the assistance of small hands; these require a nice cleaning. If you love to organize, you will find trays and under counter items need cleaning.
- Begin with stove
- Soak racks and pans
- Empty cabinets and clean
- Clear and clean fridge
- Clean fridge containers
The best plan for maintaining a clean kitchen is to clean after each process. This is particularly true when making sauces and using oils. Avoid leaving sticky sugary messes on counters.
Cleaning the dishwasher with a bleach solution is a great way to control bacteria. This works to protect a family from a host of germs. Wiping the sink with vinegar cleans and strips it of grease.
The dining room may appear an easy clean. However, when cleaned in detail it is a big job. If you have ever lost something and cannot find it. Cleaning a room thoroughly is sometimes the only way to find a lost item. Therefore, give the dining room a complete clean.
A first start to cleaning is windows. Ledges can get dusty and panes filmy if not cleans. This area of the home lets the rays of the sun in. When clean the view is extremely pleasant. Some prefer the green use of vinegar, which is found in some commercial cleansers.
- Remove unnecessary items
- Add under cabinet storage
- Empty chest drawer and clean
A barrage of things get placed in the dining room. Books, extra pencils, even children’s toys, any objects not a part of the dining area, remove and place in the proper place. The chest drawer is an excellent place to store those special pieces used by a family, also, utensils used in the dining area.
Wall cleaning is a part of cleaning this busy room. Take down pictures, mirrors and plaques. Clean them with the proper solution. Replace them or change them to give the room a different look. Simple is always nice giving a room the appearance of more space.
Eating in the dining room is only comfortable if it is cleaned. Dining room furniture has chest drawer spaces that collect dust and require cleaning. A good scrubbing, also, requires the removal of dining room furniture. This helps when thoroughly cleaning floors.
What is a PP Sheet?
PP sheet stands for Polypropylene sheet, a thermostatic polymer produced in large amounts by the chemical industry. It has been used in a multitude of industries, ranging from the plastic industry to the textile industry due its many benefits. In addition to usability in the workplace, these sheets are also capable of use at home.
Home Uses for PP Sheets
Around the house, there are five major uses for the sheet.
1. Plastic products used at homes such as cups, bowls and even lights and fans are all comprised of some kind of Polypropylene. Indoor carpeting uses the sheets as one of the materials that allow it to last so long.
2. For those with outdoor swimming pools, the sheets are an essential component of the design. They are waterproof and, therefore, will last far long than any other material. Also incredibly useful for indoor carpeting, as spills are common but no longer a problem due to the waterproof nature of the sheets indoor carpeting is made with.
3. Food storage is essential, and keeping bacteria from infecting the food and causing illness is the most important aspect. The sheets are naturally resistant to bacteria and are even capable of reducing it within the foods stored in a container made from these sheets. This makes it a top choice for storage and will greatly contribute to the overall health of the household in which the sheets are utilized. Better still they can store band-aids and other medical supplies to prevent the minor cuts and scrapes that occur in everyday life from getting infected and causing other problems.
4. Pliability is perhaps the strongest feature. Used indoor handles and hinges alike, and even in coffee cups, the sheets can withstand a great deal of wear and tear that not only assures their versatility but also ensures a long lasting shelf life as well. They are sure to withstand the test of time and maintain their function, without it, they become brittle and are no longer useful.
5. Customization is the last important aspect. Home products are typically very generic and uninteresting to have around the house. Because of the mouldable nature of these sheets, the colour and shape can be drastically changed in order to make the item far more unique. This allows a little variety at home and can make things seem quite a bit brighter around the house.
By using such sheets to their fullest potential, one can prevent all sorts of issues, ranging from various health related reasons such as infections and food contamination to things as simple as spicing up the place with a little bit of customization tin the design. All in all, purchasing a material made from the Polypropylene material is a smart investment that will last quite a long time and optimizes many areas of your life around the home.