9 Ideas on How to Revamp Your Home Office

Do you work from home full time or occasionally? If yes, here are several decorating tips that you can use to increase productivity and office space use:
1. Float your shelves – floating shelves helps you declutter your office and use all the available space well. You can add decorative elements to make the office welcoming while sticking to light colors to maintain the theme.
2. Buy a desk pad – if you don’t have a desk pad, you should have one because it helps you define the working area in your desk (you cannot declutter it). You should buy a large desk pad to get enough room to move your arms freely and complete your tasks with ease.
3. Buy a laptop – in this era, you should have a desktop or a laptop in your home office. A laptop is easy to move around with, work with and use thus it is a good choice especially if you stay within your budget.
4. Provide refreshments – if you love refreshments, you should have them with you in your office to save time and energy because you will not have to move around. You can have a beverage cut, coffee maker and a mini-fridge with refreshments near your desk or in your home office.
5. Incorporate pattern & color – certain color and patterns keep you stimulated and active. Therefore, try to incorporate colors or patterns that will have a positive effect on how you feel. For instance, have energetic colors at the sides and subtle/subdued colors on or near your working desk to avoid distractions.
6. Hang artwork – do you love art? You should consider hanging art 6 – 9 inches above your desk for easy viewing while sitting down. Alternatively, you can lean an art piece on your desk or near the wall for a better view.
7. Have a board – you need to have a board where you pin reminders, to-do lists, samples, and bills. You should also pin inspirational messages and positive photos to have a different perspective every time you look at it. Also, although you can have a digital vision board on your phone or computer, you can have a different board that has your visions and goals you wish to attain in life.
8. Buy office supplies – you should have everything you need within reach to save time. Make sure your office is well stocked with all the office supplies you need including pens, mark pens, ink, charts, notebooks, pencils, etc.
9. Invest in practical lamps – the type of lighting you use can determine your productivity. Bad light can affect your moods, eyes and even your health. Therefore, investing in practical lightings like background illumination or a decorative table lamp is a good idea. If you are looking to save space, replacing a desk lamp with a wall-mounted or floor lamp a great idea.
Finally, even though these are great ideas to revamp your home office, you will have to research a little more to make the right choice because there are numerous products to choose from in the market.

The Best and Worst Ways to Use Home Equity

What is home equity? This is simply the difference between your property and the current value of that particular property. To many homeowners, home equity has been one of the most important financial tools. There is a right way and the wrong way before you start funneling funds out of your home. Here are the best and worst ways that you can use to leverage home equity.

There have emerged numerous ways that homeowners can use to get into their home equity. A home equity loan is arguably one of the most reliable ways. People often confuse this loan with a traditional mortgage. Actually, that is the main reason why this type of loan is referred to as the second mortgage. Usually, they are installment loans. What does this mean? Funds are disbursed in one lump sum and later paid back in equal payments. Also, they can be backed by your home equity.

In most cases, home equity has a fixed rate. The rate is a bit higher than the initial mortgage. Line of credit is another popular way that has been used over the years. What is the main difference between a line of credit and equity loan? With a line of credit, you have the full freedom to borrow money any time of the year.

Away from that, you are allowed to pay off your balance the same way as a credit card. Although it is not often, you will be required to disburse a certain amount of money. The best thing about the home equity line of credit is that you are not required to pay extra money. In addition, they provide debit cards to their dedicated customers.

You might have come across cash-out refinance in the past. Cash-out refinance is very different from the secondary line of credit. What does cash-out refinance involves? It is all about refinancing the mortgage for a higher amount of money. You don’t have to take any additional loan with this method. Your overall debt load will increase over time.

You might be aware that home equity is arguably one of the most common uses to invest in home renovations and upgrades. The home value will increase after you improve the facilities. You can easily leverage your home equity if you are an experienced real estate investor. Have you ever took a debt and later exchanged the debt for another asset? Many people make such decisions with the sole aim of producing extra income. There is no doubt that real estate is a risky business. With that in mind, you should consult financial experts before making a decision to invest in this sector. You should keep in mind that it is not always smart to purchase a property simply because you can afford it. It is advisable you partner with an experienced investor.

Making Home Features Safe for Seniors

Seniors are increasingly choosing to remain in their current houses, long after their kids have grown up and moved out.  While this growing trend indicates positive things about modern health and longevity, as well as access to senior services, it does pose several challenges that need to be prepared for.  Obviously, as we age, our needs change and the house that served us well at age 35 isn’t a house that would also meet our needs at 65.  Being aware of this fact, should motivate us to plan ahead and begin modifying our homes for our future requirements.

While everyone is different and no home is the same, there are some universally useful suggestions for making a house senior-friendly.  So, here is how to age proof your home:

Find local experts with specialized certifications related to senior needs and work with them to plan your age-related remodeling.  Try to find Certified Aging-in-Place Specialists (CAPS) and Occupational Therapists with the Executive Certificate in Home Modifications (ECHM) or the Specialty Certification in Environmental Modifications (SCEM).  These are professionals that will know how a house might need to be altered to accommodate older people.  Select the experts you prefer via telephone and plan with them.

When you are redoing the interior of your house, think about what problems you might reasonably develop as you age.  Does your family have a genetic predisposition for diabetes or strokes?  Have any of your family members ended up as invalids later in life?  If so, you should seriously consider widening your entryways and hallways and adding safety bars to your bathrooms.  These modifications will help if you ever require the use of a wheelchair.  You should plan for other potential problems in a similar way.

If you don’t live in a single-floor house, try to move your everyday living spaces downstairs.  Locate your bedroom and bathroom on the first floor.  This helps greatly because older people can develop more severe arthritis and/or become much less coordinated.

Create wide pathways between furniture and to areas you often need to go.  Reduce the number of items you have around the house to reduce congestion.  Make certain that all areas are well-lit, that all stairways have guide rails and slick flooring has traction.  Also, get rid of smaller rugs and carpeting that you could trip on.

Bathrooms are often among the most dangerous places for seniors.  It’s a good idea to “senior-proof” them by:  replacing bathtubs with shower stalls that are completely flush with the floor; installing flooring traction; and by replacing standard toilets with raised ones.

Preventing accidental falls is one of the most important safety considerations for seniors.  Considering this, you should improve nighttime visibility with motion-activated lighting and repair any damaged walkways that might cause you to trip and fall.

Redefining The Designs of Your Bedroom

Refining your bedroom could likely prove to be a highly rewarding endeavor, considering that many of us spend ten or more hours a day there.  Enhancing an environment you spend much of your time in, as well as most of your regenerative moments, certainly will improve your mood and quality of life. As you continue reading, you will learn more about the steps of the somewhat lengthy process of upgrading your bedroom.

First, you need to have a vision of what you want to do.  You can acquire this from interior design magazines, HGTV shows or by discussing ideas with an ASID-certified interior designer.  Remember to take notes, so you don’t forget your vision.  Now, with your room-improvement concept in hand, start the refining process by painting and/or wallpapering the room.  Next, determine what items in your room you want to replace or upgrade.  Then, make a shopping list of all the things you need.

However, before going shopping, measure the dimensions of your room to ensure all your desired items will comfortably fit within it.  There’s nothing worse than buying a lot of expensive furniture, transporting it home and then not being able to use it.  Speaking of furniture, your bed is the most prominent item in your bedroom; the surface area of its covers is likely greater than most other objects in the room.  It is for this reason you should be mindful of how your bedding fits into your bedroom’s color scheme.  When selecting a dresser or chest of drawers, you want one that matches the style of your bed and isn’t too much taller than it.

Lighting is another aspect of your room that can make or break it.  Remember to use enough light to make your feel cozy, without making it feel overly radiant.  The goal is to have lighting that relaxes you, that can also be adjusted to put you in the mood to sleep.  You can accomplish this with good table lamps that are effectively placed.

A refined bedroom should have a lounging area, where you can unwind prior to sleep.  In other words, a place where you can read, watch tv, listen to music or simply consume an evening snack.  This part of your bedroom should have a sofa or comfortable chair and a table for snacks/drinks.  The capstone of a fine bedroom is the right art hanging on the wall.  This picture or painting should reflect your personality and complement your bedroom’s other décor.

With all this said, the perfect bedroom is one you feel most comfortable in.  It’s one that both matches your personality and facilitates the important function of sleep.  Once you are able to fully refine your bedroom to your liking, you are closer to improving your overall health.  We sincerely hope that all of the advice we have imparted to you (about how to give your bedroom a polished look)  helps create your ideal sleeping area.

How to Recession Proof Your Income in this Simple Steps

Experts feel that a recession is coming. There is some way to recession-proof your finances so you can survive the next recession.

A recession is a period when the economy does not grow and this lasts longer than two consecutive quarters. No one is protecting from the recession. A person should have a strong retirement plan with goals to help save their finances. A 25-year-old with an investment plan can survive the recession while a 60-year-old may try to avoid loss.

You should know how much money you are taking in compared to the amount of money you are spending. If you lose your job you need to know how long you can survive on your savings. Some free tools can help you with this information and track your expenses. You can see what you are spending your money on and how to cut in a time of need.

During a recession, you can use your emergency fund instead of high-interest credit cards. You should have three to six months of expenses in savings and you should not use it for anything besides an emergency. If you are laid off you can still pay your bills while you look for work.

After you have an emergency fund set up you should work on paying down your debt. In a time when money is tight, you do not want to pay back high-interest bills. It is recommended that you pay off credit card debt first then private student loans.

You should make sure that you have diverse investments at the risk you are willing to tolerate. If you are older you will have a harder time making up lost money than if you are in your 20s or 30s.

Even the best and most dedicated employees can be laid off during a recession. In 2008, over 2.6 million people lost their jobs. Young college graduates are at the highest risk for layoffs. You should keep your resume updated just in case you lose your job. You will be ready to go and can show your skills to a new employer.

Recessions do happen even in developed countries. The best thing you can do is prepare. Even if the market hits a low spot the worst thing you can do is panic. If you sell your investments you will miss out on the profits when the market comes back up. Recessions can be bad but eventually, things will recover. Not all recessions will be the same but in recent times the recessions have lasted for a shorter period than in the past. If you have a plan before the recession hits you will be able to survive it and things will get back on the right path.

These are some ways that you have recession-proof your finances. Even during tough times, you will be able to make it through with the proper planning.

Kerry Properties And Allgreen Properties Tie-Up Awarded Pasir Ris White Site

The Housing & Development Board has awarded Phoenix Commercial Pte Ltd and Phoenix Residential Pte Ltd a site next to the famous Pasir Ris MRT Station. The recipient companies are jointly owned by Kerry Properties and Allgreen Properties, which form a significant part of the Kuok Group of Companies that are run by Robert Kuok, a renowned Malaysian tycoon.

The winning bid is about $700 million. This translates to $684.48 for every square foot per plot ratio because the floor area is 1.02 million square feet. The tender and the dual envelop concept for the 99-year long leasehold plot of land attracted three serious bids that closed on 14th December 2018.

Allgreen Properties Pasir Ris White Site

The Far East Commercial Trustee and Laguna Garden, the other shortlisted tenderers, are units from Far East Organization. Their bid was $677.78 million, which leads to $662.75 psf ppr.
The third bidder interested in the deal was not shortlisted. It was a strong tie-up between Kajima Development and Singapore Press Holdings.

On Friday 22nd March, HDB’s release revealed that the proposed development that comprised of residential, commercial construction, a bus interchange, a town plaza, and a polyclinic, will provide improved access to amenities and public transport system for residents. The incredible development will also offer an excellent focal point for the community.

Allgreen Properties Pasir Ris Central New Development

HDB introduced the concept of price revenue tender approach in line with the vision to identify innovative development ideas with flawless integration of unique public spaces and amenities. In the first step of the tender evaluation procedure, the Concept Evaluation Committee shortlisted the proposals that met the evaluation criteria before proceeding to the second evaluation phase. In the second phase, the committee members opened the price proposals submitted by the shortlisted tenderers. The committee awards the site to the bidder among the applicants with the desired concept proposals.

Concept and Tender Plan for Pasir Ris White Site

Launched on 27th August 2018, the tender for the white site was closed on 14th December. Each of the three innovative tenderers submitted a concept proposal. They also had an opportunity to present the ideas in their proposals to the concept evaluation committee. After objective evaluation of each proposal, the CEC determined that two of the project proposals that had met the evaluation criteria. The proposals by Far East Organization and the tie-up between Kerry Properties and Allgreen Properties proceeded to the second tender evaluation phase. The CEC opened the price envelopes submitted by the shortlisted tenderers and awarded the site to the Allgreen-Kerry team, which has a higher bid among the shortlisted tenderers.

Parc Canberra EC Project Details and Showflat

Parc Canberra is a 99 years leasehold condo which is owned by Sunway Developments and Hoi Hup Realty. The condominium is located at Canberra Link which is a minute walk from Canberra MRT Station and Canberra Plaza. Its location was among the contested plot which was bought under the Government Land Sales Programme. The plot represents a timely investment for buyers who are looking for private condominiums which are in a convenient location.

Parc Canberra EC Project Details and Layout

Project details:
Project Name: Parc Canberra
Project Developer: Hoi Hup Realty
District: 28
Address of Development: Canberra Link
Tenure: 99 Years Leasehold
Gross Floor Area: 485,292 square feet
Site Area: 194,116
No of Units: 450 Units
No of Storeys: To be advised
No of Blocks: To be advised
Top: To be advised

Parc Canberra Hoi Hup is full of unique facilities such as 50m swimming pool, clubhouse, sun deck, guardhouse, tennis court, children’s playground, indoor gym, BBQ pits, and function room. It’s also located near many shopping malls which includes Canberra Plaza, the popular Sembawang shopping center, and Sun Plaza.

Nearby schools include:
Sembawang Primary School
Endeavour Primary School
Wellington Primary School
Chongfu School
Northland Secondary School

Parc Canberra Showflat Available by Hoi Hup Realty

Parc Canberra EC will consist of many layouts that will fulfill the needs of different buyers. There will be a 3 bedroom show flat that will come with different furnishings around the living room, bedrooms, and kitchen cabinets. This will be a good choice for buyers looking for a good property investment or for their own stay. The floor plan details will be available soon for viewing. A wonderful lifestyle awaits you.

Parc Canberra at Canberra Link is well connected to other parts of Singapore. So, residents of this condo can easily move seamlessly from one location to the next. You can access this development via the Canberra MRT Station. Alternatively, those who are traveling to the city can use the Central Expressway. Note that there are also buses which are found along the Canberra and Sembawang Roads.

Parc Canberra Floor Plans and Layout

Parc Canberra is suitable for all types of families. There are multiple floor plans which are designed to cater to different user needs. The floor plans consist of one, two, and three-bedroomed units. Additionally, there are two main types of facing with units from the 6th floor getting fully unblocked views.

Overall, Parc Canberra Condo offers you a luxurious lifestyle with great amenities. The surrounding region plus the in-house and outdoor facilities are great. This development allows you to indulge in a tranquil and cool lifestyle in the busy area of Canberra Town. If you are looking for an EC development located at a convenient site, then check out Parc Canberra.

Piermont Grand 820 Units Site and Floor Plans

Worldwide properties which face the sea, river or lake are always in demand, because they offer a very good view. These properties are also more expensive. To cater to the demand of affluent for river facing properties, the Piermont Grand condominium project was launched by one of the most reputed real estate developers in Singapore,CDL. The developer is partnering with another developer TID residential to develop this executive condo (EC) project which is facing the Punggol Waterway on one side. This is one of the few EC projects which is are available in Singapore.

Piermont Grand CDL Sumang Walk

Sumang Walk and Punggol way are the main roads on either side of the condo, which allow Piermont Grand vehicle owners to quickly reach any other part of Singapore which they wish. There are also a number of bus stops for those who wish to use public transport. The government is planning to develop the district 19 where the condo is located into a digital district in future. Hence the property rates in the area are likely to increase further. In this mixed development project, there are also a large number of shops and offices, in the vicinity. This will improve the quality of life of the residents, since they do not have to waste time and money commuting.

Piermont Grand 820 Units with a Total of 13 Blocks

The property developers for Piermont Grand Sumang Walk EC are quickly finalizing their plans for developing the EC in 2019. There are likely to be a total of 13 blocks in the condo, though the number of storeys in each block will vary between nine to seventeen. The number of homes in this project is approximately 820. Some of the blocks will be facing the Sumang Walk and others will face the Punggol central area. The residential units which are located on the sixth floor and above will have an unblocked view of the surrounding area. Many people living in HDB houses in the area are likely to be interested in upgrading to the EC homes.

Piermont Grand Site and Floor Plans Available Soon

Piermont Grand floor plan is also ready with developer who is offering one, two and three bedroom units to cater to the requirement of families of different sizes and budgets. The three bedroom units are ideal for families with children since they will have separate rooms. Larger homes are also better for investors, since they will get buyers and tenants for these homes more easily. For families with children, there is a special playground for children, as well as a swimming pool. Other facilities at the Piermont Grand EC are indoor gym, jogging track, tennis court and BBQ. All similar projects in Singapore have sold out, making this a rare opportunity for investors.

Avenue South Residence Silat Avenue Tanjong Pagar

For homeowners looking for a mixture of simplicity, comfort, serenity, and convenience, look no further. Avenue South Residence is everything you have ever wanted from a residential home.

First things first, Avenue South Residence is a joint venture by UOL, UIC, and Kheng Leong Company, three of the most sought-after developers in Singapore. They are brains and artistry behind the successful masterpieces of the South Beach Residence, Amber 45, and Tre Ver. So, rest assured that you will be investing with the best there is in real estate.

Avenue South Residence Silat Avenue UOL Group Singapore

Second, the 245,972 square feet development will feature 2-tower blocks of 56 stories overlooking the Central Business District. The expansion for Avenue South Residence Silat Avenue will offer 1-5 bedrooms which is ideal for every family type. By the time of its completion, Avenue South Residence will be the tallest building in Singapore with the most pleasant skyline and view of the city. Most of the condos also provide a sight to behold of both the East and West Coasts. In addition, with their exceptional taste in real estate, the consortium raises the bar of modern condos by providing top-notch quality furnishes and fittings, and spacious rooms. Avenue South Residence also consist of a childcare centre and the showflat will be available soon. Avenue South Residence is within walk to Cantonment MRT Station as well as 12 interchanges along the Circle Line.

Avenue South Residence Telok Blangah and Tanjong Pagar

Third, what makes Avenue South Residence exclusive is its location in the quiet corner of District 03 making it the dream home for people looking for quiet residences minutes away from the city. Its positioning between Mount Faber and Telok Blangah and Tanjong Pagar also gives Avenue South Residence a unique blend of upper-class downtown life and simplicity.

Fourth, Avenue South Side strategic location near numerous upside developments such as the Great Southern Waterfront City which is a hot spot for entertainment, lifestyle, and commerce. Then there is its close proximity to the Marina Coastal Expressway and Central Expressway which makes it perfect for homeowners wishing to invest in luxurious condos with easy access to the rest of Singapore.

Avenue South Residence Near to Schools CHIJ

Fifth, Avenue South Residence has every amenity every homeowner wants. For your educational needs, Avenue South Residence is a few minutes drive to top-notch learning facilities such as Chij, Chij St. Theresa’s Convent, Outram Secondary, Gan Eng Seng, Zhangde primary, and Radin Mas Primary. For shopping, there are numerous high-end malls most notably the NTUC Fairprice on Kim Tian, NTCU Fairprice on Tiong Bahru Plaza, and Giant on Telok Blangah Cresent. Other amenities that make Avenue South Residence a gem include the guard house, clubhouse, indoor gym, tennis court, function room, a 50m swimming pool with a sun deck, BBQ pits for meat lovers, and children’s playground.

If you want to indulge in the beauty of Singapore and serenity of life, try Avenue South Residence. It has the best of everything under one roof.

Riviere Jiak Kim Street and Great World City

Frasers property has established a small city that now stands iconic in the center of Singapore and that has become the talk of the town. The new site was acquired by Frasers property after a successful sale and now the name has changed from Zouk Site to Frasers property. The site of development is strategically placed adjacent Singapore River and has other amenities which are located and enjoyed at Clarke Quay.

Riviere Jiak Kim Street Condo

The completion of the development will give Riviere Jiak Kim Street and the adjacent MRT Station serving Great World City a new look. Shopping within the vicinity has been simplified due to the location of the many shopping centers which are within Singapore River. The site will give a unique environment that is serene for life and gives one of the best experiences.

Every facility that you may need within the development are tailor made to perfectly meet the needs of all the potential inventors. Within the streets of Jiak Kim sits a function room, swimming pool, clubhouse and indoor gym that have been standardized. Your kits will enjoy the environment as the development has children’s playground, sun desk and a BBQ pits. Riviere won’t limit family entertainment since it can accommodate both adults and children when it comes to entertainment.

Riviere Strategic Location Next to Jiak Kim Street

Great returns for Riviere Frasers Property are already promising from the development following the strategic location and the unique look that is has. Unlike most of the recent development that are done on smaller pieces of land, Riviere is likely to come as a game changer in the real estate sector in Singapore. Property buyers who are looking for prime development are likely to get some of the best deals for the development as it sits right at the city center of Singapore.

Riviere Near to River Valley Point and Great World City

The development has one of the best vicinity following the fact that major shopping centers surrounding it are already developed. Both the Valley Point and Great World City which are some of the iconic shopping centers are located within the vicinity of Riviere. The environment also supports plenty of activities including family quality time and outdoor families that is common among many families.

Customers are likely to get some of the best experiences from the development following the commitment of the stakeholders to change the industry standards. The projection has it that it may be impossible to control prices in the next few years following the great popularity gained by the development. Riviere also supports education for the buyers with school going children following the location of some of the best school for both junior and senior.