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What’s Out There (And In Here): Traveling By Yourself To Broaden Your Mind

There’s nothing quite like getting out there, on the road, and traveling the world, viewing proceedings from the ground floor. But, when you are thinking about planning a long journey around the world, stopping over in many countries, are you going to do this by yourself, or with a group of friends? Usually, we would think about going as a group, but if you really want to experience the world first-hand, going around the planet on your own is the best way for you to broaden your mind. It’s been said a million times before, that travel broadens the mind, but if you really want to expand your horizons, mentally and emotionally, you have to explore the world by yourself, and so, how can travel broden the mind better when you are by yourself?

You Find Out What You Are Made Of

There is nothing quite like going somewhere by yourself, and having to rely on your skills and instincts to get you around. We can either feel intimated by a big and scary world, or we can embrace it, and really get involved. What you learn when you are travelling by yourself is that getting from one place to another isn’t as stressful as we once thought. In fact, even if you don’t speak the language, there is always help available, and you realise that a new environment isn’t scary and alien. And, even if you encounter a few difficult scenarios, you have to think that little bit more to get yourself out fo those situations. And once you’ve done this, you can realise exactly what you are capable of. By throwing ourselves into new situations, we embrace the whole sink or swim attitude to life. By doing this, and realising that when we make a little mistake that the world doesn’t cave in on us, we build our emotional strength.

You Develop Your Confidence

The stronger we get in an emotional sense, the more confident we feel. When we are stuck in our hometown, in a dead end job, or we are used to a certain pattern of living, we can feel somehwat hemmed in. Once you break out of all of these constructs, and you being to travel the world by yourself, you can reinvent who you are. This is one of the most enlightening feelings we can have in life. By going to a new country, we can completely change our personality, or try on new ones. Instead of being a shy and retiring person, or being a nosey loudmouthed person, we can’t try on a new “suit” and see how this different personality fits. And that’s a great thing when you are going from place to place, and relying solely on your instincts to get you by, in many ways, you might realise that the person you were isn’t the person you’d like to be. By going from place to place, and making new friends, even just for a night, you learn how to adapt to new situations quickly. You realise that these moments we have in life aren’t always about lifelong friendships, it’s about learning from others, and figuring out who we really are. These is no better way to understand who you really are than travelling and putting yourself into these new and exciting situations.

You Can Start Again

And by putting on a whole new personality, you may find a way of life that suits you more than the one you are used to. A lot of people travel from place to place, and they encounter so many new and exciting ways of living, there can be the temptation to stay in one place, possibly for the rest of your life. But the great thing about travbelling is that you can spend as long as you really want to in one particular place, and you can even rent a property, just so you really know in your heart of hearts if this is a place that you’d like to stay for the foreseeable future. Links like https://www.rumah.com/rumah-disewa/di-area-semarang-idjt28 shows you the various types of houses that are for rent in Central Java, and, on the opposite end of the spectrum spending prolonged periods of time in these places may help you realise where home really lies for you. By going all around the world, you may finally understand that there is no place like home. In this respect, you can start your life over again with a clean slate, wherever you end up, because you’ve been out there, and experienced what the world has to offer, and you’ve found what is really important to you and what you actually want out of life, whether it’s an adventure, or the simpler things.

You Learn New Skills

Naturally, as you explore the world and find new cultures and approaches to life, you learn how to navigate public transport, find great food recommended by the locals, and learn new skills within yourself. Coping skills are one of those all important tools that we need in life to tackle new and exciting horizons. Whether you learn through fellow travelers, or you naturally stumble upon new skills that you wouldn’t have considered before, these are all things you can utilise for your adventures across the globe. While something like meditation can be beneficial in every  aspect of our lives (https://alifeofproductivity.com/meditation-guide can give you some of the basics), when you are travelling across the globe, you need to find a way to relax quickly, but still have your wits about you. After a while, this idea of expanding your comfort zone means that you will thrive in situations that used to stress you out completely. By learning new skills, it’s not just about making these serve you well during your travels; you will learn how to implement them in other areas of your life, long aftet you finished your excursions. And this is the true benefit of broadening your mind while you travel.

You Will Feel A Great Achievement in Life

Last, but not least, you will feel a great sense of achievement. After all, you’ve learnt how to navigate “alien” worlds, discovered how to trust your instincts, and you’ve learnt how to apply so many new skills to get by, all of which adds up to a momentous achievement. And, these skills you learn are what will help you live a better life. Heading out across the world by yourself is a major undertaking for anyone, and many people will voice their concerns, but you will get to the core of who you are and what is really important to you. Whether this is by experience new cultures so you can look at the world a little differently, or these experiences you have accumulated has finally made you realise that home is where you will thrive, it’s hardly a surprise that the travel bug is something that so many people can’t shake. Some people don’t like to experience new things, they are more than happy in their bubble, but it’s these people who may not necessarily achieve much in life. Yes, this is a grand statement, but if you are missing something in life, or you want to discover what is out there as well as in you travelling is the simplest way to achieve so much. It’s been said before that travel broadens the mind, but it’s not just because you learn about new cultures, by going out of your comfort zone, you finally get to grips with who you really are.

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What you need to know before taking a home loan

Taking out a home loan can be a nerve wracking experience, and a big deal for everyone. It is often said that home purchase involves the biggest capital outlay in a person’s life and especially in Singapore where home assets do not seem to stop appreciating, this is the hard truth that everyone has to come to terms with. However, taking on a debt in the form of a home loan, when researched carefully, can be your friend.

Before settling down in your dream home, here are the questions you should know the answer to before getting your home loan.

#1 Deciding between Fixed Rate vs. Floating Rate Home Loans

Unless you are paying in full for the property, you will be affected by changes to the interest rate. Home loans are typically offered in 2 categories:

a. Fixed Rate

Fixed rate packages maintain the same interest rate during a lock-in period of 1 to 5 years, regardless of market conditions, after which the interest rate converts into a floating rate. Should customers decide to refinance during the lock-in period, banks may impose penalties. Nonetheless, fixed-rate mortgage packages are favoured by many home buyers in view of their expectations of further interest-rate hikes and protects you from any upward interest rate movement.

b. Floating Rate

Floating rate packages have interest rates that fluctuate daily, usually pegged to the SIBOR and SOR indices. They can come with or without lock-in periods. Home buyers who opt for floating rates usually take advantage of the low interest rate environment and monthly instalment amounts. This is particularly usefil in a flat-to-declining interest rate environment.

To this end, home buyers should be mindful to choose home loan packages based on their needs instead of trying to take advantage of short-term interest rate movements.

#2 Affordability

Your current financial commitments affect your affordability. Here are some useful pointers to consider:

a. TDSR

Under the latest Government regulations in Singapore, your Total Debt Servicing Ratio (TDSR) cannot exceed 60% of your income. If you are already taking on a car loan, personal loans or credit card debts, it may affect Approval in Principle (AIP) from your bank of choice. The trick to increase your loan application chance is to maintain zero to low debt ratio.

#3 Fees and Charges

When it comes to home loans, you may be inclined to settled on the cheapest home loan rate, but do remember to compare the fees and charges applicable to the loan. Fees and charges are levied under these circumstances:

– Processing the loan application

– Withdrawl after accepting loan offer

– Late payment

– Amending the loan tenor

– Restructuring the loan

– Processing the loan application

Those fees could add up to a few thousand dollars, so it’s worth knowing how much your banks in Singapore might charge you. The amount you can borrow will typically be the same across banks. So, you are not obligated to go with a bank just because it has pre-approved your loan. It is smart to seek pre-approval from multiple banks so you have options before making a conscious decision on a loan to take.

Regardless of whether you are planning to buy a hdb or private property, a great home loan deal always come with making smart decisions by comparing home loans and mortgage interest rates online. A good place to start is Moneysmart which serves as an effective tool for online loan comparison which you can surf at the comfort of your home or anywhere you prefer, so long as you have your smart device with you. Moneysmart has come as a good choice for loan comparison. The browsing experience has been intuitive, with the website creating user experience at the forefront of their thoughts. I find the site easy to navigate, stored with current and useful information and it is definitely a breeze when comparing the latest home loan deals. You would know which site to bookmark and make a visit the next time you need information on home loan packages to assist you.

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ShoeTree Project: Saphir Super Invulner Waterproofing Spray

You may have a pair of good quality leather shoes or boots but come a sudden downpour, they could be irreparably damaged. To prevent such situations from happening, you could protect your shoes by using Saphir Super Invulner Waterproof Spray. Introduced by the ShoeTree Project, this spray uses natural ingredients in place of silicone as the waterproofing compound, which is definitely one less health risk to take.

The waterproofing spray is imported from the world-renowned Saphir brand in France and there are several reasons why this is highly important for people who own leather shoes:

  • A waterproofing spray prolongs the lifespan of leather shoes by preventing loss of its natural oils. Oils can be leeched out of the leather when water soaks in and evaporates afterwards. The loss of oils make the leather microstructure more brittle and prone to cracks.
  • What most people don’t realise is that most of the waterproofing sprays out there use silicone as the waterproofing ingredient. While this may be alright for fabric shoes, silicone is highly drying to leather and wil, rather counterproductively, reduce its lifespan. The Saphir formula uses natural ingredients that help leather retain its natural oils.
  • The slow-drying formula of the Saphir Invulner also does not leave visible uneven patches like faster-drying sprays do. When wearing leather shoes, you want them to look their best!
Click here for the Saphir Singapore product category page.

The ShoeTree Project is a startup on a mission to bring the stagnating, inaccessible shoe care industry stuck in physical retail of yesteryear no more than a few clicks away from doorsteps around Southeast Asia. One of the cooler innovations that leather shoe owners would love to try out would be its algorithmic Custom Kit Design Tool as shoe care is a rather esoteric field, many shoe owners do not know which are the right products that make their shoes last decades, so they end up missing out a crucial component of their shoe care kit, or overspending on solutions they do not need.

ShoeTree Project’s Custom Kit Designer utilizes a proprietary algorithm to recommend only products that a client requires based on his shoe type, typical environment, as well as desired finish – a truly personalized shoe care kit! Coupled with FREE doorstep shipping and FREE size exchanges, it is just like having a 24-hour, 7-day a week shoe care shop right outside your doorstep, complete with service staff to help you with product selection. These innovations are what allow them to deliver the traditional emphasis on quality (like their handcrafted American Red Cedar shoe trees and shoe horns made from genuine ox horn) at mass market prices almost half of those in retail.

Image Credit: ShoeTree Project

ShoeTree Project, bringing premium shoe care & sartorial advice right to your doorstep.

Shop @ ShoeTree Projecthttps://shoetreeproject.com/sg/shop/

Facebookhttps://www.facebook.com/ShoeTree.Singapore/

Contact hello@shoetreeproject.com

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