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Whether you’re participating in the annual gift exchange in your office, or you’re just thinking of giving a gift to your favourite colleague, you’re probably facing the question of: “What should I get this person for Christmas?” While gift-giving is just normal during the holiday season, doing it at work can be quite tricky. You surely don’t want to go over the top with your gift, but you don’t also want to come across as someone stingy. Luckily, you no longer need to feel stressed out in choosing your gifts with these office gift-giving tips in mind.


  1. Set a Price Limit. Define the parameters of what’s to be expected in your gift-giving activity by setting a spending cap for your gifts. This will give everyone a guideline on what gifts they can give, and make the gift selection process a little bit easier. Setting a price range for your exchange gifts will also eliminate the inequality in gift giving, which could possibly cause bad feelings or jealousy among the workmates.

  1. Perform Some Sleuthing. Surprise your co-worker with a gift that you know he or she’ll like, by performing some investigative work first. Learn about their hobbies, interests, likes and dislikes. You can start your investigation by looking through their desk areas, since you’ll likely know one’s personality through thedecorations they put in their desks. If you want, you can also ask that person to have a lunch with you andthen learn more about them. With this, you’ll be able to accomplish your goal and make a new ally in your office.


  1. Avoid Giving Intimate Items as Gifts. As you start tailoring your gift options with the person’s likes, avoid picking items that are too personal. Steer clear from cosmetics, roses, lingerie or any intimate apparel and stick with career- or office-related gifts and cards instead.


  1. Pool Your Spending Power. If there’s one person, such as a coach or boss, whom everyone in the office wants to purchase a gift for, then consider chipping in for a budget and giving a group gift. Not only will your spending power go farther, you won’t also look like you’re trying to win favour with that particular person.


  1. Always Say ‘Thank You’. Regardless of who gives you a gift or what gift you receive, make sure that you thank that person. If possible, do take some time and send a holiday card or a handwritten note to that person as a sign of your gratitude for the gift.

Doing an office gift exchange can be a great way to get into the holiday spirit. By following the aforementioned tips, you’ll surely be able to foster new relationships, while keeping your workplace merry and bright.


4 Signs to Call It Quits


It’s devastating to end a relationship. Whether it’s a friendship or a romantic one, deciding to go on separate ways is not going to be easy.


If you’re not sure whether to call it quits with your long-time beau, you have a few advisors: your family and friends. But ultimately, you are the one who’s going to tell whether or not to continue the relationship. Here are five signs that it may be best to call it quits with your partner.

  1. You find reasons to start a fight with him.

You get mad because he wasn’t able to respond to your text right away even though he has told you that he’s with his buds playing basketball. You just become increasingly hot-tempered, raising voice over the smallest reasons. The point here is not him being insensitive, but you constantly looking for a reason to pick a fight with him. It could be because you find him annoying and you’re looking for an excuse to end therelationship.

  1. You no longer put effort to look beautiful.

It’s not that you have to look dolled-up at all times. However, if you have stopped caring about how you look when you two go out, you might want to ask yourself why. Is it because you’re just too comfortable around him or you just think he’s not worth the time and energy anymore?


  1. You find other people more attractive.

Since you’re losing interest with your partner, you suddenly develop crushes on most unlikely people—your co-worker, workout buddy, or even the barista. Whether it’s just a fantasy or harmless flirting, your life now has some unexpected guests that you know—deep inside you—your partner should bealarmed of.

  1. Your gut feeling can sense that the end is near.

Your intuition is the best sign for the end of your relationship. As of now, you’re still worried about the way things are going between you and your partner. You have tried communicating your concerns, but for some reason you feel like you’re not heard. Listen to your instincts. If it doesn’t feel right, trustyour gut. Don’t worry too much though—ending your relationship means you can both move on to much better lives—and partners, soon.

It’s difficult to decide whether you should end a relationship, especially if you love the person and you have been together for quite some time. However, if the relationship does you more harm than good, ending it could be the best thing you can reward yourself.




We make first impressions judging by the appearance of something or someone. We can’t help it because our eyes see first before our mouths can speak. There are many people who humour others and give them another chance. As it turned out, the first impression is wrong.

business people handshaking

When you do something or meet someone new, you are hoping that you make a good impression. This is completely natural but you have to think as well that you cannot please everybody. There will be people who will misjudge you. Regardless, you still have to try and make a good impression. To do this, you have to know actions that arrest people’s attention and how they will see you.

Here are some actions that you need to watch out so you will not leave an unpleasant impression:

  • Selfie Style: Believe it or not your selfie style can speak a lot of things about you. People will assume many things about you based on your selfies. Being alone in photos for example mean that you are fixated. There are others who believe that selfie depicts openness, experience and confidence.


  • Cleanliness of our Homes: You have to know that it takes only twenty six seconds for your house guests to create judgments about you based on its cleanliness. People judge first through their nose. Take note that the scent of the house is critical for positive impression. The next thing that they will judge is the clutter. If clutter is present, guests will assume that you are disorganized.

Stock Photo

  • Choice of Music: Your taste in music can also capture other people’s attention. For example, if you listen to “upbeat” music, people will think that you are loud or liberal.


  • The Color of One’s Clothes: There are numerous studies about the relation of colors and personality. For example, the personality of yellow-lovers speak of happiness while red-lovers speak of firmness and strong-mind.


  • When Asking Questions: When you meet the person the first time, you can easily determine if that person is ‘taker’ or ‘giver’ depending on the length of time that person answers or asks questions.

At the end of the day, to truly know a person, you should give them second chance and not based impression on things like selfie style and cleanliness of their homes. Although you want to impress all, you have to accept that you cannot possibly please everybody. If that somebody already made their judgment, it is their prerogative.


  • Filed under: Social Graces
  • Choosing the photographer who will document your wedding is its own style decision – just like in picking the colour motif of your wedding, your venue, or your bridal boutique. While it can be quite confusing to choose a wedding photography style you’d like to settle on, learning more about each style will certainly help you decide on which one to go for.


    1. Digital Photography. The very first decision you need to make in choosing your photography style is whether you’ll go with digital or film (or a good mix of both). Compared to film, digital photography like those from the reputed white link bridal studio in Singapore are preferred by bride- and groom-to-be’s. With digital, you’ll be able to see your wedding snaps just a couple of days after your wedding depending on how fast your Korean wedding photographer works. Also, digital cameras can be used in places with extremely low lighting, which is great if you’re planning to schedule your shoot or wedding late in the afternoon.

    Unlike in film, your photographers will now be able to preview some shots on the camera’s display screen and adjust accordingly on his next shots. Through this, digital photographers are able to push their creative boundaries sans the limits of film and provide you with lots of stunning wedding snaps that you can put together in your wedding album. You also wouldn’t have a hard time looking for a digital photography package since each bridal studio also offer this kind of photography style.

    2. Film Photography. Film is another good, but laborious, way of taking wedding photos. Images captured using this style have an organic and soft quality in them. Compared with digital, film has a better shooting range from the highlights down to the shadows. However, using film to photograph events like wedding take a lot of work on your photographer’s part – and money on your part. In addition to purchasing film rolls needed for photoshoots, editing and processing images taken with film also takes a lot of time.

    Despite that, there are still a handful of wedding photographers in Singapore who offer this kind of services for clients who want to have film for their Korean wedding photography style.

    3. Classic Photography. Once you’ve solved your film versus digital dilemma, it’s now time to consider the look you’ll give your photos. Just like what you see in your parents’ or grandparents’ wedding album, classic-looking images are those that stand the test of time – they’re gorgeous, striking and a bit formal. These photos simply reflect reality, but are also infused with the photographer’s artistic sense. They do this while they capture random moments in your wedding and think about what they can possibly create out of those ordinary moments.

    This style looks best when things are captured naturally. So if you’re looking into giving the classic look to your Korean pre-wedding and wedding snaps, simply let your Korean pre-wedding photographer know that you want to have a rather modern take on the classic wedding photos that you’ve seen for years.

    4. Artistic Photography. These days, wedding photos are no longer taken with the couple looking straight in the camera and in full frame. With the birth of Pinterest, making your pre-wedding and wedding photos look more artistic and unique has now become easier and simpler.


    All you’ve got to do is think of a unique motif, suggest it to your photographer and brainstorm about the details of your shoot. However, a great deal of intervention from the photographer is often needed in order to turn the simple snaps of your wedding into a personalised and superb one.

    5. Lifestyle Photography. Simply put, lifestyle photography is photojournalism redefined. It is candid, but is done with some styling and direction, which gives a rather relaxed and approachable feel to the end product. In this kind of shoot, your photographer won’t just look for the best moments of the ceremony, he’ll also set the whole scene and capture as candidly as possible.

    6. Dramatic Photography. In this photography style, lighting plays an important role in creating the drama in the photos. For your shoot, ensure that your Korean pre-wedding photographer is capable of creating his own light in case the sun won’t cooperate on your shooting and wedding day. Remember that anyone can take good photos, but a true professional is someone who can consistently take great photos throughout your wedding day. Also, don’t forget to show one or two wedding photoshoot samples that are quite similar to what you’re planning to achieve to your photographer so that he’ll get a better idea of how he should take photos of your big day.

    7. Documentary Photography. Rather than highly styled or posed shots, documentary photography captures candid and spontaneous photos of people, action and décor. Most of the time, your photographer will stay in the background while capturing some good shots of the different moments of your wedding.

    Very little to no posing or organizing of the newlyweds and guests are done at this shoot, which is why this photography style is increasingly popular among brides these days. Documentary photography surely has a great deal to offer, but just like any photography style it also has its own set of drawbacks and one of which is not being sure as to what result you may get in the end.

    Each wedding photography style has its own charm and appeal that goes well with any wedding shoot theme. Now that you have a better understand of each style, it’s now up to you to decide as to which photography style you’d want to use for your wedding photoshoot.



    Life is getting harder here in Singapore after knowing that it is one of the most expensive cities in the world. If you do not act immediately, your personal finance decisions can cost you a lot of money at the end of the day without you knowing. You always wonder why you are losing money, it is time that you discover the reasons behind it.


    You lose money every day since every move will incur cost but have you considered your mindset? You drill your minds thinking where you did wrong but you haven’t thought about taking a closer look at your mindset. There are things and customs that you do every day that can cost you money and it is time to discover it.

    It is important that you discover the reasons why you lose money so you can change your mindset and save more money in the long run. Here are some reasons that you have to look closely and resolve immediately:


    • Listening to financial advices of relatives and friends: You trust your relatives and friends so when they recommend something, you listen to them and consider it as well. If you remember that scam of Suisse International, many Singaporeans fall prey. Though the people behind it was penalized, it doesn’t change the fact that many people lose money. It was widespread because relatives and friends encourage many to join. There is nothing wrong if you listen to your family members and unless they are expert financial advisers, you should not entirely put your faith on them.
    • Believing in gimmicks: You have to believe that sugar coating is innate in the society. You get things without thinking of the real picture because companies or institutions sugar-coated it. How do they do that? Well, they bombard you with freebies thereby hiding the real cost. Do yourself a favor and avoid it.
    • Not comparing financial products: You do not compare financial products because you do not understand it or you do not have enough time to understand it. This mindset should be changed because it will turn out that you will spend more. It is important that you compare financial products first so you will know which institutions offer lesser interest rates.
    • Choosing cheapest deals: It is true that you can save when you consider cheap things but sometimes, you have to rely on quality if you really want to save money. There is nothing wrong if you choose cheap deals but you have to consider its true worth.

    One of the hurdles to becoming wealthy is your mindset. You have to change it to change your life.


  • Filed under: Money Talks

    When we travel to other places, we need a passport and of course the visa. The visa will depend on the country but we wish that passport will be enough because securing visa is not that easy. The good news is that there are countries that do not need visa. They only need passport.

    Kinderreisepass der Bundesrepublik Deutschland

    There is an index which aims to find passports that give the most travel freedom – Henley & Partners Visa Restrictions Index 2015 in partnership with International Air Transport Association. The index ranks different countries according to the countries that their people can travel to without having to secure a visa.

    Here’s the result:

    • Germany and United Kingdom: Germany and the United Kingdom topped the index giving their citizens access to one hundred seventy three countries with only their passport to show. Both countries were also at the top in 2014 rankings.
    • Finland, Sweden and USA: Finland, Sweden and USA ranked second giving their citizens access to one hundred seventy two countries without a visa.


    • Denmark, France, Italy, Japan, Korea, Luxembourg, Netherlands and Norway: The eight countries ranked third giving their citizens access to one hundred seventy one countries without a visa.
    • Belgium, Canada, New Zealand, Portugal and Spain: The five countries ranked fourth giving their citizens access to one hundred seventy countries with only a passport.
    • Austria, Ireland, Singapore and Switzerland: The four countries ranked fifth giving their citizens access to one hundred sixty nine countries without a visa. In 2013, Singapore was at the sixth spot with only access to one hundred sixty seven countries.

    Visa-free access is really a convenient thing. Hopefully we can get more countries to encourage travel freedom.


  • Filed under: Globetrotting

    There is no right time to save for our child’s college than today even if he is still just a wee baby. Sending a child to college is expensive here in Singapore let alone sending him overseas. If we have an average income, it is hard to set aside money for college but we have to do it for the sake of our children.


    Here in Singapore, a four-year course costs S$25,000. It does not end there because we still need to give our child monthly allowance not to mention school projects. Let us assume that we will spend $50,000 in total in the course of four years. Let us also take into account the inflation rate of 1.5% per annum so parents should expect about S$67,000.

    How do we amass this $67,000 in 20 years for only one child? This sounds difficult but it is necessary if we want to ensure the future of our kids. Here are some tips on saving for our child’s college without compromising our retirement plans:


    • Do it diligently: Saving is hard especially with everything that is going on but if we do it diligently, things are possible. We have to give credit to parents who diligently save for the future of their children.


    • Baby bonus + CDA + savings: Here in Singapore, for every child born, the government will give a baby bonus worth S$8,000. It does not end there, the government also promise to match dollar for dollar money saved in CDA (Child Development Account) up to S$6,000. These opportunities should not be taken for granted.


    • Baby bonus + CDA + ETFs: Granting we have $8,000. The government only allows dollar for dollar matching up to $6,000. We can put the remaining S$2,000 into ETFs. ETFs are investment plans given by brokerage houses. The investment plans will permit us to secure stocks for as low as S$100 per month.


  • Filed under: Money Talks

    Losing weight is difficult for us but when we see our Hollywood female superheroes, they make it as easy as changing into their costumes. Whether we want to lose weight for health purposes or just to look more beautiful, we can get inspiration from our favourite female superheroes like Elektra, Black Widow, Emma Frost, Invisible Woman and Alice Abernathy.


    For Singaporeans who are not familiar of the faces behind the superheroes mentioned above, it is time that we know them and their efforts to achieve that marvellous body. Elektra is portrayed by Jennifer Garner. Black Widow on the other hand is portrayed by Scarlett Johansson. Emma Frost is January Jones, Invisible Woman is Jessica Alba and Alice Abernathy is Mila Jovovich.

    Before they take on the role, these superheroes prepared their body. With discipline, right food and exercise, they made their role attractive and interesting. If we want to get in shape, we have to know what things worked for them and hopefully make it an inspiration. So, here are some strategies they revealed:

    • Juice up: Emma Frost is in X-Men and her hourglass body was achieved with her all-juice diet. January Jones revealed that preparing her body is not easy because she had to eat and drink only fruits and vegetables.
    • Portion control: Susan Storm or Invisible Woman revealed that portion control worked for her best. Jessica Alba did not consider desserts and breads. She was very keen on her carbs intake but when she wants to indulge, cake was the answer.


    • Mini meals: Dividing meals into smaller portions proved effective for Jennifer Garner and Mila Jovovich – who by the way rocked their Elektra (in Daredevil) and Alice (Resident Evil) outfits. Jennifer took five mini meals per day only consuming 1600 calories while Mila ate up higher amounts of carbs for her intense workout. The small portions can help keep high metabolism.
    • Circuit training: Circuit training is a combination of high intensity aerobics and resistance training. This training sheds off weight easily. The training worked best for January Jones.
    • 3-2-1 Method: This method worked best for Jessica Alba. Even after her pregnancy, Jessica considered the method for easy shedding of weight. The method consists of 3 segments of cardio, 2 circuits of strength training and 1 core routine.

    There are many inspirations that we can get from our favourite female superheroes when it comes to achieving that marvellous body but we have to remember that we still need to find what works for us best.


  • Filed under: Fitness Goals

    Whenever we drive, we have to think that there is a probability that we will encounter road accidents. This thought is enough so we can take precautions before things happen. Road accidents are not common here in Singapore but it does not mean that we have to be completely complacent.


    The good news is that our cars have a safety device that can protect us from collisions in the form of airbag. Airbags are occupant restraint system that quickly inflates and deflates should there be collisions and deceleration.

    We have to know the different types of airbags for the purposes of learning it. Here are the different types:

    • Frontal airbag: Frontal airbag is the most common of them all. In 1981, Mercedes-Benz presented airbag as an option for S-Class. In 1987, Porsche became the first car to install driver and passenger airbags.
    • Side airbag: There are two kinds of side airbags commonly used today – the side curtain airbag and the side torso airbag. The side torso airbag inflates between the door and the seat; this airbag is designed to lessen the risk of lower abdomen and pelvic injuries. It was the Autoliv AB who was granted patent on side airbags.


    • Side tubular or curtain airbag: The side tubular or curtain airbag was a common feature of BMW in the late 1990’s. The BMWs were installed with inflatable tubular structure. This is a head protection system.
    • Knee airbag: This airbag is placed behind the steering wheel. Kia Sportage uses this as their standard equipment.
    • Seat cushion: In 2008, Toyota employed seat cushion system in the passenger seat. This is designed to avoid the pelvis from diving below.
    • Rear curtain airbag: The rear curtain airbag helps protect the occupant’s head in the rear in the event of impact.



    Apple has recently unveiled its latest iPhone models—6s and 6s plus—with a whole bunch of breath-taking features that have certainly up the notch of today’s smartphones. What are these excellent features that have beaten some of LG’s and Samsung’s bests? Let’s together find out.


    1. 12MP Camera

    Apple has finally smashed the 8MP barrier and reclaim the top-smartphone-camera crown with the 6s and 6s plus’ 12MP camera. The sensor now has 50 percent more focus pixels, which results to more accurate colour display.

    1. More Powerful Processor

    With the new iPhone’s A9 processor, you can expect 70% faster phone performance, while 90% faster GPU. With all these power, Apple must have up their battery game as well, but that’s something we’re waiting for reviews on.

    1. The iOS9

    This comes as no surprise—both of iPhone’s latest models run the best and latest version of Apple’s OS. New features to check out include Apple News, Apple Map’s transit, and the always-on Siri.

    1. The 3D Touch

    Unlike the older Apple phones which recognize pinches, swipes, and taps; the new Apple phones are equipped with 3D touch, allowing the user to press the screen with different force level to execute different commands. The new feature works in two functions: (1) peek, which allows you to briefly look into something; and (2) pop, which makes a new fully functional menu.


    1. Live Photo Capturing

    When the new iPhone captures a photo, it also records a brief video of it automatically in the background. Force touch a photo in the camera roll, and you can view the brief video of it. How awesome is that!

    1. Faster Touch ID Sensor

    Apple’s new Touch ID sensor is said to be twice as fast as the sensor in the older iPhones. Apple’s first-gen fingerprint scanner already is better than any other mobile sensors out there, so it seems like an experience to behold the faster second-generation version.

    Apple has indeed made another milestone with its latest iPhones. With these amazing features—and a cluster more of others—Apple has certainly redefine smartphone experience.


  • Filed under: Technology

    Looking for jobs you can do from home used to be like scanning the classified ads section for offers to get rich by stuffing envelopes. Today, exposure to at-home employment has greatly expanded, and endless options of at-home jobs are just a click away. If you want more flex in your work life—matched with good pay, here are some at-home jobs to consider applying for.


    1. Bilingual Technical Advisor

    These professionals provide direction and technical advice to clients over the phone to help keep the business running. Depending on a company’s clientele needs, technical advisor positions are available for day, evening, or graveyard shifts, making this job flexible for individuals with excellent tech knowledge and customer service skill.

    1. How-To-Video Maker

    Are you fund of DIY projects, or cooking, or even creating gorgeous makeup looks? Why not film it and turn it into profit? As simple as signing up for a free account in Youtube, you can share your knowledge while gaining profit in return. Film and upload videos of you demonstrating how you work your magic. Once the video is uploaded enrol to Youtube’s partner program. The site will then place attach ads in or near your videos, and you’ll be paid from the ads themselves.


    1. Telephone Nurse

    This profession may be uncommon, but housewives with nursing degree can earn significantly through this job. Health insurers and other health management institutions hire remote nurses to do duties like treatment authorization, patient education, and case management.

    1. Search Engine Evaluator

    Companies like Yahoo! And Google provide information for you to search for, and you report to them how closely their provided results match what you’re searching for. If you’re Chinese, for instance, you might be asked to search how an average Chinese might do a search in English. Work hours vary between 10 to 25 hours per week.

    Working from home can be the most convenient way of earning. If you dislike the idea of having to drive to a workplace every single day or you have little kids to attend to, there’s no better way to do it than getting an at-home job. All you need is a computer and a reliable Internet connection, some basic interpersonal skills and a positive attitude.


  • Filed under: Careers
  • While bringing extra baggage makes sense for an extended vacation, this isn’t the case if you’re just in for a weekend trip. To skip the stress of over-packing for a short holiday, here are some pointers on how to pack light in a breeze.


    1. Pack Versatile Clothing Pieces. An easy way to win your battle against your suitcase is to wisely choose the clothing pieces you’ll be bringing with you. Opt for items that can work with multiple ensembles so you can double up their wear for less space. It’s also important to only pack clothes that you’re sure of wearing; vacation can be a tempting time to flaunt a new purchase, but do try it on first and see if you’re comfortable wearing it.


    1. Use Mesh Bags to Organize Your Items. Apart from helping you conserve space, using mesh bags or small pouches to store your items also aids in keeping your things organized. Categorize and store your toiletries, medicines, gadgets, and tickets and passes in their respective bags for an easier find on the whole duration of your flight.


    1. Keep Travel Docs and Passports in a Separate Pocket. Keeping all your important documents and papers in a separate holder is imperative. Not only will this limit your chances of fumbling through your things in the airport, it’ll also leave you with one important item to keep your eyes on. For an easier access, set the front pocket of your carry-on bag as documents holder where you’d keep important papers during your trip.




    1. Roll Items to Save Space. Other than saving tons of space, this trick also keeps your clothing pieces wrinkle-free. To wrinkle-proof pieces like shirts and blouses while saving space inside your luggage, fold these items lengthwise and them roll them.


    1. Utilize Your Bag’s Pockets. Got a bag with lots of pockets? Use every one of them to store small items and keep your things organized. Pockets are designed so you’ll have places to keep small knick-knacks and frequently used items like your phone, pen or eyeglasses. Store these things in pockets where you can easily see and access them during your trip.

    When travelling, planning ahead is important to make everything as stress-free as possible. And with all your essentials organized in your carry-on, travelling will be a breeze.


  • Filed under: Travel
  • 4 Amazing Beauty Benefits of Coffee

    There are only a few things in life that’s as wondrous as coffee. We know it all too well as the drink that helps us survive our work days, but whether in bean, ground, extract or liquid form, the magical drink can also go overtime in helping any girl with their beauty concerns. Here, we’ve rounded up some of the surprizing, yet amazing, beauty benefits that your cup of Joe can give.


    1. Eliminates Puffy Eyes. In a world full of social obligations and work deadlines, most of us don’t always get enough sleep – resulting to dark under-eye circles and puffy eyes. Well, as it turns out, your daily dose of coffee can actually be a great morning-pick-me-up for your eyes, too. All you’ve got to do is cool the grounds from your morning coffee pot and apply it on your eyelids and on your under-eye area. After that, soak in a relaxing bath for 20 minutes and gently rinse it off with cool water. Voila! No more puffy eyes!


    1. Brightens Tired-Looking Skin. A cup of Joe is already enough to perk up your mornings, but did you know that it can do the same thing on your skin? Surprisingly, the caffeine found in coffee also stimulates the skin and improves blood circulation, resulting to a radiant and glowing skin. Simply mix a tablespoon of ground coffee with two tablespoons of organic plain yogurt, and apply it on your freshly washed face. Once you’re done, rinse it off with cold water and say hello to a healthy-looking skin.


    1. Minimizes Cellulite. Regardless of how much we work out, cellulite is a problem that we all struggle to eliminate. Luckily, that struggle can already be reduced by using a coffee scrub. This scrub works by stimulating the blood flow in the affected area and tightening the skin, which will result to a minimized cellulite appearance.


    1. Nourishes Your Hair. The protective antioxidant benefits of coffee isn’t just centred on your body, since you can also extend that same benefits to your strands. By simply doing a coffee hair mask, you’ll be able to prevent breakage and get shinier hair – not to mention, leave your lock with an amazing smell.


    1. Exfoliates Skin. If you think about it, coffee actually has the best consistency an exfoliator should have. Just like your regular exfoliator, the caffeic acid found in coffee works by stimulating the blood flow in the skin and boosting the collagen production, leaving you with healthier and more radiant skin. So ditch your chemical-based exfoliator now and start exfoliating using your favourite coffee granules.

    We know how much you love your cup of Joe, but after knowing these beauty benefits, you surely wouldn’t want to get your hands off your morning espresso.


  • Filed under: Beauty
  • Parenting is a tough road that is why not all took it. For parents out there, things are hard but at the end of the day, it will be fulfilling. As children, we sometimes do not understand the ways of parents especially our mothers. Mothers have their moments of spontaneity, rigidity and warmth which sometimes confuse us.


    Sometimes, we do not easily fathom and grasp our mother’s methods just to show her unconditional love. There are times that we even misunderstand her. This is the time that we try to understand her methods and ways because her ultimate goal is to find what is best for us. We often hear things from our mothers. It might not make sense now but it will eventually.

    Here are some pieces of advice that she relentlessly gives:

    • Half of all our money goes to savings: It doesn’t matter whether our aunt or grandfather slipped us extra dollars because it will go to our savings. We become impatient because we want to spend it all on Hello Kitty stuffs. We will find it worthwhile when we use our savings to buy things like maybe a used car.
    • Nothing good happens (to a teenager) after 10pm: For teenagers, the real fun begins at 10pm. Our mothers know that but sometimes, we ignore it thinking that she is all wrong. We will realize she is right (even if we swore that nothing will happen) when we are there.


    • Pretending she wasn’t waiting for us all night: When we are in college, going home late at night is a familiar occurrence. When we go home at 1am, we suddenly see our mom watching TV claiming that she “lost track of time”. This is the typical mother. We wouldn’t understand how worried she was unless become mothers ourselves.
    • Calling our grandparents: We sometimes do not understand why she keeps on telling us to talk to our grandparents. There are even others who find the company of their grandparents boring. Our mothers “force” us to get the phone and dial their numbers. At the end of the day, we find talking with our grandparents is fun.

    These are just some things that we do not understand about our mothers but we will comprehend eventually. Growing here in Singapore is a challenge for some mothers but they haven’t lost track of their child’s development. Our mothers only value one thing and that is the family.


  • Filed under: Family Life

    Somehow many Singaporeans prefer credit over cash. For Singaporeans with credit cards, they surely love credit cards because it yields different rewards and benefits. According to the Monetary Authority of Singapore (MAS), as of May 2015, there are 9, 721, 768 credit cards in circulation. In addition, there are about 1.58 million credit card users here.


    MAS furthermore discovered that the average credit cardholders hold at least six cards each. This is a pretty good picture telling us that most people here use credit cards. People have asked questions: how many are too many or how many are too few? Experts will say that there is no required or average number a cardholder can hold but everything will depend on how we manage the accounts.

    It is crucial that we know how to manage our accounts if we do not want to have a poor credit thereby destroying our good name and reputation in the financial industry. Here are some things that we need to know about our credit cards and hopefully it can help us manage our accounts:


    • Does the number of credit cards we have affect our credit rating? We have to know that before we are approved of a loan or mortgage from any financial institution, they will take into consideration our credit score. The credit score is the bank’s way of gauging whether we are good payer or not. The credit rating includes our credit history, spending habits and annual income. Here, the score ranges from 1,000 to 2,000 (2,000 being the highest and 1,000 being the lowest). This means that if we have credit cards and pay it on time, it will help our credit score compared to those who do not have credit cards.
    • More credit cards mean more rewards: Here, credit card companies entice people to sign up thru their rewards. Banks offer different credit cards to cater to the differing needs of consumers like travel credit cards and cash back credit cards. For cash conscious people, they will surely prefer cash back but for travellers, the travel credit card can give them travel related rewards.
    • Managing cards: As mentioned earlier, the number of card really depends on how we are able to manage it. The only trick is to find a system that can help us pay our bills on time every month. For example, we can sign up for GIRO deduction. GIRO deduction will link our credit card account to our bank account and automatically deduct our monthly bills without the hassle of falling in line. We only have to make sure that our bank account has enough money to pay it all.


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