Cosmo Quantum, Water Dispenser

Cosmo Quantum Review – Great Tasting Water for All

There is nothing better than having a quality water dispenser that provides unlimited, high-quality filtered water on demand and ensuring that everyone in the family remains properly hydrated at any time of the day. And what’s essential is having honest-to-goodness boiling or cold water at our convenience, without any fussing with confusing setting.

Engineered in Germany with edge-cutting technology, Cosmo is carefully designed to filter 99.9% of impurities and chemicals in your city water. Experiencing Cosmo Quantum certainly comes at a good time and here are the reasons why you would be hard-pressed to find better value for money for this lovely water dispenser.

1. Design

Its sleek black design weighs is light weight, so it won’t break your back to move from place to place. Doing away with bulky water dispenses from the past, COSMO Quantum’s compact German design allows you to conveniently place it on your kitchen island or even on your room’s desk without taking up too much of your space or cramping up your style.

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2. Cost and Time Efficient

The conventional way of using the electric plug-in tea kettle to boil water does have its downside. How many times have we use a full kettle to boil water – only for a cup of tea or milk making. What’s more, it would not be feasible to maintain the water temperature as kettles lose heat through their exteriors during the boiling process.

COSMO Quantum is energy and time efficient, featuring an in-built customisable temperature control and a memory function that records your preferred temperature settings.

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The dispenser has a simple tap that pours hot (89~97°C), cold (5~10°C) or even lukewarm (30~45°C) water, allowing anyone to quickly, and safely, fill a mug with water.

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3. Health Matters

A water dispenser would be ineffective unless it serves its purpose of purifying our water into fresh, clear drinking water, anytime of the day.

The consumption of tap water adversely affects your health due to the presence of contaminants such as chlorine, bacteria, and other impurities. COSMO Quantum filters 99.9% of these impurities to provide you with cleaner and fresher water.

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Applying a 6-step Purification Care Process to effectively filter out heavy metals, bacteria, viruses, scales, organic matter and other impurities to provide you with water that is clean and fresh, together with an in-built UV LED sterilisation, achieving the perfect level of hydration with Cosmo Quantum is just a click to a better health!

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Image Credit – https://waterdispenser.com.sg/

Cosmo is working with Liquid Gateway, a payment service provider who provides a comprehensive range of centralized and secure in-store transaction management services. Also, check out these recommendations by Best In Singapore: Best 5 Water Dispensers in Singapore

Best in Singapore
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Cosmo
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Cosmo Air Purifier Review – Air Purification Reimagined

Air Purifiers help to rid the air in our homes and offices of every pollutants, airborne allergens, dust and toxins. Especially for people with asthmatic or lung conditions, keeping the room allergen and smoke-free is certainly a life-saver. If clean homes means happy homes, then a sleek air purifier can turn any living space into a blissful oasis.

We were introduced to Cosmo Prime® Air Purifier + 3-in-1 HEPA filter recently and it did not take us long to know why it is Singapore’s best-reviewed and best selling air purifier – for good reasons:

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1. Filters 99.97% of all airborne particles

Cosmo’s Prime® Air Purifier uses trademarked technology and smart design to provide a long-lasting, silent and powerful air purifier. Equipped with a revolutionary 3-in-1 HEPA Filter, this innovation have proven to filter up to 99.97% of all air pollutants like pollen, dust, bacteria, tobacco smoke and more.

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2. Noise level = soft whisper (20dB)

A sound sleep is oxygen to your soul. Equipped with the SilentMotor-VX™ at only 20 decibels, the Cosmo Air Purifier is certainly a little quiet soldier! Working so hard, but yet without any ‘grumbles’.

3. Coverage Area: Up to 80m²

To choose the right size air purifier for our needs, we need to consider the size of the room that we want to place. Equipped with 360-degree air purifying abilities for efficient and maximum airflow, Cosmo Prime’s can cover up to an area of 80m², easily sufficient for an average household’s living room, kitchen and bedroom.

4. Contemporary, sleek and stylish

Measuring at just 49.7cm (H), 27cm (W) and 30.3cm (L), the first impression of Cosmo Prime comes as sleek and stylish.

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Adding on, the portable design feature makes it easier to move it around the house.

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5. Real-time usage monitoring

You can download a free mobile application to control Cosmo Prime remotely, at the touch of your fingertips. With an in-built feature to monitor air quality, you can get a sense of the air quality at home.

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Cosmo Prime® Air Purifier is currently retailing at a promotional price of $399, which is a discount from its original price of $538. But again, $399 is a small price to pay (without breaking the bank) if we are able to maintain the house with clean air. Each purchase comes with free same-day delivery, 20 day free trial (full refunds with no questions asked) and 5 years’ warranty.

Showroom Address:
Mactech Building
2 Kallang Pudding Road
#02-04 S349307

Showroom Opening Hours:
Monday to Sundays 11am – 5pm
Closed on Public Holidays

Calls: +65 6977 9637

Email: enquiry@airpurifiers.sg

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Best In Singapore, a convenient one-click online destination for the best deals and trends in Singapore is working with Liquid Gateway, a payment service provider who provides a
comprehensive range of centralized and secure in-store transaction management
services. Payment is brought to you by Liquid Gateway and if you are
interested to find out more, you can read this article on Best 10 Online Payment
Getways in Singapore
.

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Asia, australia, Blogger, cake delivery singapore, Food, Photography

Cake Delivery Singapore: Build-Your-Own Cake

The quality of the cake is the first thing you notice when you indulge on the freshly baked cakes by Cake Delivery Singapore. Handcrafted by the skilled team of pastry chefs using the most premium ingredients, every delicious bite of the consistently delectable sweet treats will bound to delight you.

Ideal for small to large corporate events and sweet surprise to your loved ones, a perfect choice especially during this Covid-19 season, Cake Delivery Singapore creates a new level of indulgence with the most popular and best rated cake delivery service in Singapore.

Homemade with love, Cake Delivery Singapore bakes indulgent and mouthwatering cakes for all occasions, macarons, madeleines, muffins, tarts and more which you can select here.

But hey, with a wide range of flavours, choosing one is just half the fun! How about the idea to Build-Your-Own Cake by mixing and matching the flavours? For this delivery, we chose these options:

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– Mao Shan Wang Choco cake x2
– Choco fudge
– Choco ganache
– Chocolate rainbow
– Rainbow cake
– Bubblegum Cake x2
– Yuzu Osmanthus x2
– Carrot Cake
– PB&J Cake

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One of our favourite and made with natural and preservative-free food colourings, luffy rainbow sponge cake will make you feel like you’re munching on a cloud.
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All elegant, chic and festive. Aren’t we all looking forward to Christmas? This chocolate ganache cake is the ultimate in chocolate luxury and decadence, and it couldn’t be easier to make.

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This bold, bright party cake features layers of flavours sandwiched between fluffy bubblegum buttercream. Akin to the rainbow cake, it will just add more fun to your little ones!

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Sugar, butter, eggs, vanilla extract, flour, baking powder, milk and more. Loving them but mind the hassle of baking and decorating? If you love good sprinkling of inspiration for your next celebration, just a click here will bring you to the right place to feel the festival vibe around the year – straight to your door. Only from Cake Delivery Singapore today!

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All photos, information and opinions, unless otherwise stated, in this post belong to Katong Kids Inc. Reproducing or copying them for use on third party sites without our written permission are strictly prohibited. All rights reserved.

Origin Superior Coolmax® Latex Pillow, Original Mattress, Products, Review, Singapore, Singapore blogs

Origin Mattress: Origin Superior Coolmax® Latex Pillow Review

Looking for the perfect head and neck support while you sleep? From the creators of the award-winning Origin Mattress’s, Origin Superior Coolmax® Latex Pillow, with its breathability, comfort, and design could just be your top choice if you need to improve your quality of sleep.

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Why Natural Latex

Most of us don’t give much thought to how our pillows are produced or knowing what materials that they are made from. Origin Mattress uses natural latex, which has the following benefits:

  • Suffice to say, latex foam has a denser material as compared to memory foam or fiber
  • Brings you quality sleep, as latex pillow can mould to the shape of your head which provides the ideal balance between softness, comfort, firmness and support
  • For people with allergies, it has extreme durability with hypoallergenic properties that have lesser dust, bacteria or mould issues. This means you don’t have to replace a latex pillow as often as you would a more traditional pillow

Unboxing Origin Superior Coolmax® Latex Pillow

Instead of simply grabbing a traditional pillow off the department store, deciding which kind of pillow that is most suitable for you is important. Choosing a latex pillow, with its health and comfort benefits, can go a long way toward making sure your body gets the right level of rest.

We like the way Origin Superior Coolmax® Latex Pillow is being packaged. It comes with a lovely sky-blue box that looks super clean, neat and aesthetically-pleasing that could also be a perfect gift for loved ones.

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Just like the right partner, the perfect pillow should meet all your essential needs. A product of Germany, Origin Superior Coolmax® Latex Pillow comes with dimension of 60cm x 40cm x 13cm, cooling gel that dissipates heat, and 2-years warranty, amongst other features.

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In extending the pillow’s life in the long run, the pillows comes with a removable Tencel fabric pillow cover.

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Quality sleep only comes with quality pillow.

Origin Mattress also offers super fast delivery where you can receive within 2 hours, 30-Night trial and money-back guarantee. Delivery is free of charge and you can make your booking here.

Thank you Best In Singapore for recommending another amazing product. Check out Best In Singapore, a lifestyle website with the goal to sieve out the best choices from a range of topics from food to entertainment! .

Origin Mattress:
Website | Facebook

Best In Singapore:
Website | Facebook | Instagram

 

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All photos, information and opinions, unless otherwise stated, in this post belong to Katong Kids Inc. Reproducing or copying them for use on third party sites without our written permission are strictly prohibited. All rights reserved.

Covid-19, Diary of a Foodster, Eat, Food, Kids Activities, Parenting, Pizza Delivery Singapore, The Idea Box

Pizza Delivery Singapore Review – Handcrafted Pizzas For Delivery

It is all well known that Italy is the place where pizzas originated. Imagine savouring the traditional Italian-styled pizza that comes with toasty crust with charred spots, accompanied by fluffy dough that is moist and stretchy, not to mentioned toppings that are cooked through and piping hot, is just too tempting to reject.

Instead of dining out, how about getting it delivered right at your doorstep? Thanks to Pizza Delivery Singapore, an upscale fast-casual concept that serves up artisan-style pizzas and pastas made on demand, they have made dining experience more satisfying than ever.

 What is so convenient of Pizza Delivery SG is that you can get to choose your delivery date and preferred time slot. All we need to do is to make a selection, place an order, and make payment, piping hot pizzas will be delivered to us.

For our pizza indulgence, we picked the following selections:

Pizza

(1) Seafood Pizza | 9″ Medium Pizza | Thick Crust Pizza

As seafood is one of our favourite food, the seafood pizza certainly satisfy our taste buds. It comes with a combination of juicy prawns, tuna chunks, fresh tender squid and succulent scallops drenched in mozzarella cheese and extra virgin olive oil.

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(2) Mistocarne Pizza | 9″ Medium Pizza | Thick Crust Pizza

Mistocarne Pizza comes with toppings of pork pepperoni, beef bolognese and chicken breast, topped with extra virgin olive oil and a ton of mozzarella cheese.

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(3) La Amatriciana Pizza | 9″ Medium Pizza | Thick Crust Pizza

Next on our order is the La Amatriciana Pizza, which comes with tangy tomato sauce, streaky bacon, sliced yellow onions, red chilli, mozzarella cheese, and garnished with fresh parsley. It was fine for adults like us but do sound out to your kiddos if they do not consume chilli!

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(4) Hawaiian Pizza | 9″ Medium Pizza | Thick Crust Pizza

Needless to say, Hawaiian Pizza is one of our all-time favourite. Tender chicken ham slices, classic Italian tomato sauce, juicy chicken breast, capsicum peppers, mozzarella cheese and topped with succulent pineapple chunks would certainly warm the cockles of everyone’s heart!

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(5) Bolognese Pizza | 9″ Medium Pizza | Thick Crust Pizza

Cheese galore and Small M’s loving it 🙂

Spiced beef bolognese simmered in tang tomato sauce, extra virgin olive oil and a ton of mozzarella cheese.

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(6) Beef Salami Pizza | 9″ Medium Pizza | Thick Crust Pizza

Beef Salami Pizza in tangy tomato sauce with briny olives, mozzarella cheese topped extra virgin olive oil and fresh basil. Meat lovers would be spoiled for choices.

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Photos of above pizzas are credited to Owari Photography

Traditional Italian Pasta

(1) Spaghetti Al Granchio

This is Big and Small M’s favourite. They are always hankering for tomato cream sauce pasta and this came at the best time. We like this order for the fact that the prawns are fresh and not too small and it was very filling for 2 kiddos to share with each other.

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(2) Chicken Alfredo Pasta

Chicken Alfredo Pasta below comes with a creamy pasta sauce with tender slices of lean protein, white wine, shittake mushrooms, grounded black pepper and finely chopped parsley.

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Side Dishes

(1) Crispy Chicken Wings

These crispy chicken wings are exactly crispy and not too oily. Packed with the perfect crunch and sticky sweetness, we savoured them all at one go!

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(2) Beefy Meatball | 8 Pieces

Juicy beefy meatballs baked in tangy Italian Arrabbiata sauce and topped with cheddar cheese.

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(3) Honey Mustard Prawn | 6 Pieces

Simple, delicious and fabulously crunchy. We would recommend honey mustard prawns to go together with any pizza order!

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Pizza Delivery is currently running a promotion of BUY 1 FREE 1 of any medium or large pizzas. Hey, it promises delivery within an hour and offers free delivery when you order above S$60. Planning for your next family meals? Try ordering from Pizza Delivery Singapore!

Pizza Delivery:

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Best in Singapore:

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Thank you Best in Singapore for the recommendation. You can check out their websiteFacebook and Instagram to find out what are the best products and services in Singapore.

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YOON Salon: Achieve That Wow Factor For Your Hair! - Katong Kids Inc | Singapore Travel & Lifestyle Blog

YOON Salon: Achieve That Wow Factor For Your Hair!

‘Behind every great hairstyle is a great cut.’

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I have always been a firm believer that whether your tresses are long, short, straight, curly, the cut is important and if you get the stage right, everything else will fall in place.

Hair looks pretty simple, doesn’t it? Actually, its anything but.

Your mane is only ever truly simple when it is saying what you want it to say about you.

I believe that feeling good and looking good are inextricably linked and spending time and consideration on your mane is a worthwhile rewarding exercise in self-care.

‘Do whatever you want with your tresses so long as it makes you feel good.’

If you are thinking about trying a new salon, do your research. You would research an interior designer before letting them loose on your house – so tell me why it should be any different for your crown. Note that, you will be living with the results of that salon appointment for some time.

It should go without saying that when it comes to your tresses,

look for a well-established hair salon – YOON boasts a team of stylists with years of experience in the industry, whether you want a casual, chic, or classic look, the possibilities are endless with the team there!

This leading salon offers an extensive range of salon services for kids & adults 😉

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For That Salon Self-care

  • Premium Haircut

Short bob or luscious waves? Cropped fringe or air bangs? Whether it’s for you or the kids, it all starts with a good haircut. I’m saying it because without a great cut – even with all the product in the world at your fingertips – your locks will never do what you want it to.

  • Premium Wash and Blow

Let’s be honest, most women spend less than five minutes in front of the mirror, with their dryer temperature on full whack, blasting their cuticles in every direction imaginable only to throw everything down in a hump, proclaim their waves look horrible, and give up. Sound familiar? Leave your wash & blow to the professionals and you’ll never again feel the urge to curse your tresses.

  • Premium Hair Treatment

In the past, blends and mixes of plants and herbs were made solely to heal one’s mane. Strong, shiny tresses are a valuable asset and prompt treatment is vital to boost and maintain the beauty of healthy waves. Your hair deserves to be pampered and freshened up. Focus on quality rather than quantity and spend your money wisely; invest in a few tried-and-tested treatments that really do deliver noticeable results and make your life easier. To put it simply, hair treatments are better now than they ever have been. This is what you need to know.

  • Premium Scalp Treatment

Exfoliate and deep massage helps maintain a healthy scalp. It brings extra blood to the tissues, which enhances the delivery of nutrients and oxygen to the follicle. It also reduces scalp tension, which can contribute to volume loss, loosens dead skin cells and helps redress the overproduction of sebum, which makes the strands oily. A healthy scalp is integral for achieving healthy, natural hair growth.

For Your Colour Refresh

  • Premium Colouring

A great colour is one that looks as though it really belongs to you. A convincing natural looking colour is one that complements your skin tone, enhances the colour of your eyes and makes your features come alive. Refresh your look with any of these choices: one-tone colouring for your whole head, retouching of roots or concealing any premature greying.

  • Premium Bleaching

Dye hair in a textbook fashion that’s outdated and quite simply doesn’t look good. Definitely not adopting a one-size-fits-all approach for your locks. Be it Wella, Jolen or L’Oréal, have your pick of the right bleaching treatment for you. A brilliant icy white blonde look that is entirely bespoke.

  • Creative Colouring

Creative colour is something probably quite bold: maybe you want to try out a brilliant bright blue or perhaps a sugary pastel pink, bringing out the best possible version of you. If you want something more subtle, go for balayage or highlights. Ombre’s a fantastic pick if you’re keen on an eye-catching look that works even as your locks grow out.

For Expert Re-texturising

  • Premium Rebonding

Literally breaks down the bonds within the cuticle strands so that they can ‘reset’ into different shape – in this case, straight. It’s much more expensive than a blow dry but the results of a straight or soft salon rebond won’t fade, and you will have the ultimate straight and silky look until it grows out. It’s perfect if you don’t want to deal with frizz in Singapore weather.

  • Premium Perming

Perming is thankfully no longer a case of simply coating the locks in perming solution and wrapping it around a rod. You can make your mane thicker, just by perming it. Achieve the softest, coolest wave and lots of body and volume from their perming sessions. Keep up with your pick of the trendiest Japanese, Korean or classic perms they have available.

  • Creative Hair Shaping

Beautiful, silky, shining tresses make you feel fantastic, it reflects well-being and has a natural beauty on its own. Create the look of loose, relaxed and naturally occurring beautiful curls without worrying about frizz in this humidity. That fabulousness is what you can enjoy with unique. blended styles like Volume C-curl Rebonding or Volume S-curl Rebonding.

Where To Find Them

  • 2 Havelock Rd, #01-04, Havelock II Singapore 059763
  • 220 Orchard Road, #01-02 Midpoint Orchard, Singapore 238852
  • 1 Queensway #02-29 Queensway Shopping Centre Singapore 149053

Their outlets are all centrally located, super convenient no matter where you stay. Take the MRT or hop on any of the many bus services to their spots!

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As your professional stylist of choice, they will make you feel confident and at ease to put your tresses into their hands. Your crowning glory can also be a versatile fashion accessory, and can be coloured, curled, dressed up or smoothed down – all in a single session!

Head down to their website and leave your particulars on their form. Book your first session at only $28!  

 

Moneysmart, Personal Loan, Singapore blogs, Singapore Products, The Idea Box

Applying for a Personal Loan – What You Need to Know

Since the COVID-19 pandemic made a widespread impact around the world with the outbreak situation worsened rapidly, Singapore too, is not spared. According to news report, Singapore is heading towards its worst-ever recession in nearly two decades as the economy continues to feel severe strain from the COVID-19 pandemic.

The current situation here in Singapore amid COVID-19 times is, well, pretty grim for many of us. As essential businesses shut down and the country debates difficult years ahead, more Singaporeans have been impacted financially – furloughs, job losses and pay cuts. With no clear date of when things will return to normal and no easy prospects of finding further employment at this time, many are starting to worry about their financial situation.

Your financial health is important, just like your physical health. Doing a reality check to find out where your money is going and assessing how much you have (after scraping every option and minimizing expenses) can help you determine what adjustments you need to make in your life.

Questions like “How can I afford my bills?” and “How can I make ends meet?” are becoming all too common. With the pressure weighing heavily on you and finding yourself struggling financially, weighing your options on taking up a personal loan may not be a bad idea. Use in the right way, a personal loan can come in handy in managing your cash flow. Before taking it up, it is important to understand there are 2 situations where applying for a personal loan is not only a good idea, but might actually save you from further debt:

You are overwhelmed by high-interest debt

Credit cards are ubiquitous in our society. With the convenience of tapping into ‘future money’, it is tempting to spend as and when we want. However, when used unwisely, we will face the brunt of astronomical interest rates (up to 26% per annum!) when credit card bills are either left unpaid or only settle by minimum payment every month.

Consolidating and repaying such high-interest debt is one of the single best uses for a personal loan. The interest rate on a personal loan is far lesser than the interest rate on a credit card. By borrowing a personal loan to pay back your credit card debt, it makes more sense and relieve a lot more stress from you.

When some say comparison is the thief of joy, it is not exactly true.

For someone who is saddled with high-interest debt, he will never know how much he can save until a search for the best personal loan interest rates for 2020 at MoneySmart reveals the pleasant surprise.

Personal Loan

Of course, you will need to make sure you have a healthy credit rating so that you can qualify for a personal loan to make the consolidation worth your time and effort.

You are in need for an emergency fund

Emergency fund gives you a much-needed buffer in the event something significant happens financially that you cannot quick come back from. Some examples include:

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#1 Medical Bills

Medical emergency is one such event that can cripple your finances when a loved one, who is not sufficiently covered by insurance, is in need of medical care. The staggering healthcare costs in Singapore is something we cannot overlook and one can be prepared to shell out a lot of money for such expenses.

#2 Home Repairs

It is bad enough to be cooped up at home during the COVID-19 lockdown. Imagine spending warm and stuffy days at home plagued with air conditioner problems, it is certainly an experience you do not want to repeat. A personal loan could give you a much needed respite.

#3 Helping Out Someone in Need

Helping out your loved ones or someone floundering in deep water financially can be an event you can’t ignore. Be it for a medical reason or helping someone to tide through difficult moments in event of retrenchment could go a long way.

Getting a personal loan in Singapore is one way to meet your emergency needs – be it emergency medical bills, air conditioner repairs, or a financial misstep. With emergency funds, time is of the essence and it is always good to know there are personal loans in Singapore with the fastest approval and cash disbursement you can tap on.

A personal loan may not be for everyone

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Taking on debt in the form of a personal loan comes with making a conscious decision. Before you take the leap, remember these golden rules:

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  • Don’t borrow more than you can repay (Be certain that you have the ability to pay off the debt in full)
  • Don’t borrow to splurge on your ‘want’ (A want is temporal, while a need is essential)
  • Timely and regular repayment (Disciplined payment habit helps you to avoid late payment charges)

These pointers from MoneySmart sums up the understanding on personal loan. That being said, you should take up a personal loan only when you absolutely NEED to.

The ideas expressed in this blog should not be construed as an enticement to buy or sell securities, commodities or assets. The accuracy or completeness of the information provided cannot be guaranteed. Readers should carry out independent verification of information provided.

Angel Florist

Angel Florist – Your Singaporean Floristry Service

There is nothing more beautiful than conveying emotions through a vibrant, perfectly arranged bunch of fresh flowers. Whether you are wishing someone a happy birthday or celebrating an anniversary, congratulating them on a new baby, or simply letting them know that you are thinking about them, Angel Florist Singapore has something for everyone and for all occasions.

An award-winning online florist in Singapore, AngelFlorist has been in the lovely floral creations since 2007. The established florist offers some of the most spectacular arrangements locally, all backed by friendly, prompt service and a committed team that’s willing to go above and beyond to ensure your experience is as pleasant as possible.

Angel Florist

You simply cannot go wrong with Angelflorist. The categories of floral products include:

Grand Opening Stand

Everlasting Bloom

Fruits Baskets

Orchids Plants

Wellness Flowers Anniversary

Perfume & Flowers

Birthday

Condolence Wreaths

Birthday Flowers or Birthday Bouquets

Sending beautiful birthday flowers say so much without saying anything at all. Share the beauty of the world through floral creations to make the birthday person feels special.

Elegant hand bouquet of purple hydrangea (1 stalk) and light purple roses (6 stalks) and white eustomas.

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Hand bouquet of sweet pink roses, expressing gentleness, admiration and gratitude.

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Wellness Hampers

A therapeutic well-being gift that is filled with goodness and best wishes. The exquisitely designed wellness hampers is a perfect choice to show your love to those who matter to you.

A plentiful hamper to gift to someone to show your well wishes for their health, Healthy Wishes includes

1. Naturals Birds Nest (100% Pure) with Rock Sugar 70ml x 3
2. Brands Essence of chicken 41ml x 6
3. Fomec’s American Ginseng Tea bag, 4 gX5 bags
4. Colada Matcha/Strawberry Sandwich Cream Biscuits 104g
5. Seasonal Flowers

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Grand Opening / Congratulatory Flowers Stand

Send congratulation flowers to celebrate an important milestone or accomplishing something great or business launch is an excellent and heartfelt way to way someone your appreciation.

Joyful Congrats, a colourful flower stand for a congratulatory event. They are very visually appealing, and guaranteed to provide much enjoyment.

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Guaranteed freshness, prompt delivery and affordably priced, bookmarked AngelFlorist the next time you want to place an order. The passionate florists will bring a smile to your blessed recipients!

AngelFlorist — Your preferred florist in Singapore

Tel: +65 6908 1788

Address: 8 Admiralty Street, #05-16 Admirax, Singapore 757438
Customer Care E-mail: customer@AngelFlorist.com

(For Christmas hampers & CNY hampers, please email to: hamper@angelflorist.com)

General Enquiry E-mail: enquiry@AngelFlorist.com

Press / Media E-mail: Press@AngelFlorist.com

Just finding joy in the little things. Click here to follow Katong Kids Inc Facebook Page to stay tune on the next travel post.

All photos, information and opinions, unless otherwise stated, in this post belong to Katong Kids Inc. Reproducing or copying them for use on third party sites without our written permission are strictly prohibited. All rights reserved.

 

Covid-19, Investing, Moneysmart

Should you start investing?

There is no denying that Covid-19 has impacted every facet of our lives and there is so much to learn from it.

The coronavirus pandemic causing a standstill for most economies and impacting the global stock market must be on everyone’s mind now. Even if the valuation is attractive, you are probably worried that the markets are looking shaky at the moment, and would prefer to wait for the “right time” before taking the plunge. Or perhaps you think you need to grasp the “holy grail of investing” before you can actually do anything with your money that remotely resembles investing.

One thing is for sure, it is a matter of time that the economy will recover. No time is good or bad for investing, it all boils down to grabbing the opportunity. Instead of thinking about how much value stocks are losing today, think about investing in the long-term.

The pandemic has taught us one lesson about creating multiple streams of income

A picture speaks more than a thousand words. The illustration table below is akin to the principle of sowing and reaping. The sooner you put your dollars to work, the more you will benefit in the long run. In fact, what you invest can have a greater impact on the size of your nest egg than the amount you invest.

Need proof? Let’s say you start saving $12,000 a year. If you are risk averse and choose to let your savings ride it out with the bank’s mediocre rate, you would have just over $120,000 at the end of the tenth year. Now, let’s say you want to be an investor and start to chronicle your personal investment journey. All else being equal and assuming an average 5% annual return, you could potentially have about $159,000 after 10 years!

Compounded Table

What are the investment options?

Saving money in your bank account is just the beginning of your investing journey. To stay ahead of inflation, you need to find investments that generate meaningful returns to stay ahead of inflation. There are various investment options to consider but we shall focus on the common ones such as stocks, REITS and ETFs. We will not get into the mumbo jumbo but delve straight into some salient features of these investment options.

Stocks or Equities

Equities refer to a stock of a company measured in number of shares. Shareholders earn returns when they receive dividends, which are paid out of the company’s profits. Instead of distributing their profits, some companies may choose to re-invest these gains into their business. Alternatively, when the current stock price rises above its purchase price over a period of time, shareholders can choose to sell the stock to lock in their profits.

The advantages of investing in shares include:

  • Capital Gain (Selling price is higher than purchase price)
  • Dividend Income (Share can pay us a revenue when we hold them)
  • Liquidity (Unlike real estate, you have the flexibility to buy and sell shares quickly and easily when we want)

It is important to do your own due diligence when it comes to investing in shares. While capital and volatility risks are inevitable, one way to hedge yourselves is to invest in blue chip stocks which are fundamentally sound and typically lower risk.

Real Estate Investment Trusts (REITS)

How does it sound to become a landlord and collect rental income? When you invest in a REIT, you’re investing in the properties managed by that REIT. The revenues generated (primarily rental income) are normally distributed at regular intervals as dividend to REITs shareholders.

Notwithstanding the sharp sell-off of S-REITS due to Covid-19, they are generally perceived as defensive, income-generating investment that offer consistent and meaningful dividends. Investing in REITS is a good option when your motivation is planning for retirement or gaining passive income.

What are Reits

The broad categories of REITs you can invest in and the typical properties they own:

  • Commercial REITs – office buildings
  • Retail REITs – shopping malls
  • Industrial REITs – warehouses, logistics facilities and data centres
  • Hospitality REITs – hotels and serviced residences
  • Healthcare REITs – hospitals and nursing homes

Do keep in mind the risks involved which include:

  • Income Risk (Distributions are not guaranteed and are subject to fluctuations in the REIT’s income)
  • Leverage Risk (REIT needs to ensure it does not use too much debt to finance acquisition of its properties)
  • Land Lease Expiry Risk (The value of the REIT may be affected by the decreasing term or the expiry of the land leases, and this may result in a decline in the price of the units)

Exchange-Traded Fund

Another convenient way to diversify our investments is through Exchange Traded Funds (ETF). These are funds (or portfolios of company stock) that are bought and sold through the Singapore Exchange. ETFs are useful investment instruments for new investors who want stock diversification from relatively small outlays.

Some advantages of owning ETFs include:

  • Liquidity (Choose to buy and sell shares anytime you want)
  • Transparency (Price of the shares are made available for you to buy or sell)
  • Cost-Effective (Own a basket of stocks which would otherwise be expensive to buy them individually)

Your Covid-19 Survival Guide

If you have cash preserved for this crucial period and not knowing where to start off in your personal investment journey, Moneysmart’s Covid-19 Survival Guide is not just timely-introduced but also serves as a one-stop-destination to get necessary information about investing.

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While browsing the MoneySmart Covid-19 Survival Guide, the website comes forth as a useful resource for new investors who had little or no clue about where to start in investing. The browsing experience has been intuitive and the articles are concise, easy to read and most importantly, offer practical suggestions.

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Instead of running helter-skelter, the Covid-19 Survival Guide is a life-saver. It provides easy to navigate, current and practical suggestions before you make the conscious decision to invest. You would know which site to bookmark and make a visit the next time you need information on finances.

At MoneySmart, you may not find ALL the answers – but you can at least get some advice on how to plan your finances responsibly to get through this.

We definitely are in an unprecedented point in history but we will all get through it together.

 

The ideas expressed in this blog should not be construed as an enticement to buy or sell securities, commodities or assets. The accuracy or completeness of the information provided cannot be guaranteed. Readers should carry out independent verification of information provided. No warranty whatsoever is given and no liability whatsoever is accepted for any loss howsoever arising whether directly or indirectly as a result of actions taken based on ideas and information found in this blog.

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Universal Beauty Hacks Inspired from Our Favorite Celebs

Beauty is something every girl adores and that’s why people apply makeup, to enhance their features and achieve optimal grace. However, not every product might do justice to both your skin and look as each of the product tend to be different from another. While using a whole bunch of products make you look still the same, using two-three products can make you look like a star. Yes, we can too look like stars in no time but, for that, you need to have appropriate information and nu skin enterprises is where you can get it all. The next mentioned are the top beauty hacks exclusively revealed by the most-happening celebs. 

 

Beautiful face of an attractive model with blue eyes. Woman with beauty long brown hair and natural

  • According to Joan Smalls, running out of blush won’t do much harm to your makeup as lipstick is all you need, just make it your cream blush and shine on.
  • Curling your eyelashes was never easy until Miranda Ker shared her secret of doing it with a spoon. Yes, with a warm spoon after getting it blow-dried, this can just add a little action to the eyelash curling process.
  • Learned from her makeup artist Linda Cantello, Emma Watson used the easiest way to eliminate mascara from the face. You just need a cotton ball and dip it into some foundation and this way you can remove mascara and conceal the area at the same time.
  • In case you want to have long and full eyelashes, follow Kim Kardashian’s basic beauty hack of brushing off some baby powder on top of the mascara and this would give extra fullness to your eyelash.
  • Big eyes are the major attraction for many and, can easily make your heart go-round. Candice Swanepoel shares her secret of gorgeous eyes by achieving it through a cream pencil and using it under the waterline to make her eyes pop and noticeable.
  • We all must have drunk Coca Cola and probably it would be your favorite cold drink. However, for star Suki Waterhouse that’s even the best shampoo for your hair. Rinsing off your hair from Coca Cola can give you an easy tousled wave look.
  • Though coconut oil can be used in several ways and has been the biggest beauty hack for ages. Even the star celebrities like Eva Mendes, Shay Mitchell, Olsen twins, and Khloe Kardashian swear by the wondrous effects of applying coconut oil on their hair locks.
  • Crissy Teigen says, keeping your eye cream frozen and using it later makes way for less puffy eyes. While the cream is inside the freezer and the cooling effect is on the process, the cream later works by tightening the blood vessels and making your eyes dark.
  • Sugar is a great substance for exfoliation and anti-aging and, Kim Kardashian sticks to that note. Every time she is up for a body bath, she never forgets to add sugar to her body wash and use it as an exfoliating scrub.
  • Both yogurt and turmeric have exceptional beauty benefits and Priyanka Chopra is one of the famous celebs that makes the most out of these beauty ingredients. According to her, the mystery of getting soft and radiant skin can be easily unlocked with the yogurt and turmeric face mask.