Monday, December 21, 2015

4 Steps To Making Sure You Actually Achieve Your Money Goals for 2016

Being Singaporean, there’s a high chance most of your goals for the New Year directly or indirectly have something to do with money. Need to lose weight? This is the year you’ll save up for that gym membership. Want to tie the knot? Better start saying up for that HDB downpayment.
But if you find you’ve been struggling with the same money goals every damned year and are still nowhere closer to “attaining financial freedom” or “buying your own place” than you were five years ago, you might need to rethink yours to make them more achievable. Here are some tips.

Ask yourself what crap you wasted your money on this year

Telling yourself you’ll “save more money” without thinking about how exactly you’re going to go about doing it is like saying you’ll attain the physique of Brad Pitt while continuing to spend all your spare time playing World of Warcraft.
You’ll never improve your situation if you don’t bother to find out what’s wrong, so identify all the crap you wasted your money on this year so you can make sure history doesn’t repeat itself next year.
The average Singaporean loses $2,600 a year to “unplanned spending”, which while less expensive than an unplanned pregnancy is still quite bad.
If you’re a true blue Singaporean, you might be frequently wasting money on some or all of the following:
  • Taxi rides to work because you couldn’t get up in the morning
  • Fashion mistakes
  • Eating out at expensive places way too often
  • Not controlling your alcohol intake
  • Gadgets you barely use
  • A gym membership that makes you feel suicidal
Once you’ve realised where your money’s been going, it’s easier to curb your bad habits.

Ask yourself why your plans to save or make more money in 2015 flopped

Virtually every Singaporean starts the New Year vowing to save or make more money in the coming year. With stars in our eyes, we dream of striking Toto, or snagging a job that pays us piles of money to sit in the office and look important.
We imagine having enough money to go on that round the world trip, or finally retire from our soul-crushing jobs. Yet almost everyone ends the year as usual, complaining about the high cost of living and not having enough money.
If you didn’t manage to achieve your financial goals this year, identifying just why your plans went to the dogs can be a useful exercise.
Here are some common reasons Singaporeans continue complaining about the same things year after year:
  • Vowing to find a new job but not bothering to actively apply for many.
  • Being underpaid but never raising the issue with your boss.
  • Not bothering to attend skills upgrading courses or ask for new responsibilities at work despite declaring your intention to switch to a new field.
  • Blowing all your savings on that end of year trip to London.
  • Being too undisciplined to stick to your monthly budget.

Make a list of simple things you can do to hit your targets by the end of 2016

If your plan to save money, achieve financial freedom and conquer the world involves becoming an expert on investing, ruling your finances with an iron grip or finding a job that pays millions, it’s safe to say you won’t be hitting your targets in 2016, if ever.
It’s time to wake up and realise that goals can only be reached if they’re broken down into achievable steps, the simpler the better.
So make a list of simple things you should be doing to achieve your financial goals in 2016, whether they be saving more money, boosting your income or getting into investing. Here are some examples:
  • You will cancel your gym membership and newspaper subscription.
  • You will create a budget that determines how much you’re allowed to spend on food, transport, shopping and entertainment each month.
  • You will go grocery shopping every Sunday and cook at home at least three times a week.
  •  You will tidy up your resume and apply for at least five jobs each week.
  • You will have no more than one alcoholic beverage each time you go out.

Remind yourself what you’ll enjoy if you achieve your goals

Making goals without knowing why you want them is behaving like that couple who wants to throw a $200,000 wedding without even realising they’re doing it just to show off.
Would you want to drink protein shakes and work out at the gym every day if you knew nobody would think you looked better and that you would still feel as lethargic as you do after spending a week on the couch and calling the McDelivery hotline? Of course not. In fact, if you hate exercising but do it anyway, your goal is the only thing that keeps you going.
In the same vein, why would you deprive yourself of luxuries for some meaningless numbers in your bank balance? You have to ask yourself what that cash is going to do for your life.
If you’re all YOLO when it comes to money, you’re probably forgetting that getting your finances in order will enable you to enjoy the following:
  • The ability to retire in 20 years instead of joining the troupes of very old people slogging it out in menial jobs.
  • The peace of mind that comes with not having to worry about when your next paycheck is coming in or when the bank will call to hound you to pay your credit card bills.
  • Being able to choose a career that interests you instead of being forced to work long hours in a punishing or boring job because you need the money.
  • Not having to constantly be concerned about whether you’re wearing the right clothes or being seen in the right places.
  • Not having to worry about how you can afford to see a doctor if you fall sick.
When you set your sights on the sweet, sweet benefits of not living from paycheck to paycheck, you’re that much more likely to form habits that won’t make your bank account bleed.

Monday, November 23, 2015


Friday, November 20, 2015

(Paris Terror Attacks) 6 things to do in a terror attack: Advice from experts

What should you do if you get caught in a situation like that which took place in Paris last week? Here are some tips from security experts who spoke to the BBC.

1. BE PREPARED: Many survivors of the Paris attacks said they mistook the first gunshots for fireworks. This is typical, says Mr John Leach, a survival psychologist and military survival instructor.
People who are not expecting gunshots will assume they are something else because it does not fit in with their expectations. The time it can take to understand what is happening can be lethal.
Ask yourself what your first response should be if anything goes wrong. And pay attention to where the exits are - this may help save lives.
2. REACT QUICKLY: Most people will be too confused to do anything during an attack. Mr Leach has looked at life-threatening situations around the world and found that only 15 per cent of people will respond in a way that helps them survive.

Up to 75 per cent will just be too bewildered by what is happening around them to react at all. The other 10 per cent will react in ways that reduce their chances of survival and get in the way of other people, he says. Acting decisively might make survival more likely.
3. MAKE YOURSELF A SMALLER TARGET: "Where there's cover from sight, there's cover from fire," advises Mr Ian Reed, a former British soldier, military instructor and chief executive of the Formative Group security firm.
The first thing is to try to get out of the way and make yourself a smaller target. This can involve simply dropping to the ground but ideally means getting behind some sort of cover. Hard cover such as a concrete wall is the best option.
In some scenarios, playing dead or running away may save your life.
4. FIGHTING BACK: Rushing a gunman has worked in some situations. In August, a train attack was foiled in France after passengers overpowered the lone gunman. But of the four passengers involved in subduing him, one was in the air force and another in the National Guard. The men made the attempt only after the shooter's weapon jammed.
Mr Reed says it is not a good idea to take on an assailant without training. Many attackers will be working in teams, while some will be wearing body armour and others could be carrying explosives.
Despite the dangers, some argue that it is important to be ready to fight if necessary. Psychologist and hostage negotiator James Alvarez said: "If I know that I'm going to be shot, I'd like to think that I'm not going to go down quietly."
5. AFTER THE ESCAPE: Once someone has managed to escape the situation, it is important for him to remain vigilant. "Get as far away as possible, behind as much hard cover as possible and go to the nearest authority figures for help," says Mr Reed. It can be dangerous to join big groups nearby and to take public transport.
"Always assume that there's going to be a secondary device or action," adds Mr Reed. The key is to take advice from police officers or other officials as they may have better knowledge of the situation.
6. HELP ONE ANOTHER: The chances of being caught up in a major attack are still low. But if it does happen, cooperating with others can increase people's chance of survival, says Mr Chris Cocking, a social psychologist and expert in crowd behaviour.
A version of this article appeared in the print edition of The Straits Times on November 20, 2015, with the headline 'What to do in a terror attack: Advice from experts'. Print Edition | Subscribe

Sunday, November 15, 2015

20 Problems Only Book Lovers Understand

Last week we asked on Facebook and Twitter: What's a problem only book lovers understand? We got over 1,000 amazing responses! So even if non-book lovers don't get your struggle, remember—you're among friends here.

1. "The urge to buy books even though you still have too many books to read at home." (Rie VdWarth)

2. "Feeling sad for people who don't really exist." (Kimberly Moniz)


4. "Getting interrupted when you are on the last few pages of a book." (Sobe Daya)

5. "The book hangover. When a good book finishes but you can't start a new one because you're still too immersed in the last book to move on." (Meagan Lewis)

6. "Wanting every book in a library section but knowing it is impossible to read all of them." (Richard Azia)

7. "Waiting so long for a sequel that you forget what happened in the first book." (Jessica Luong)

8. "When you're lying in bed and it's all cold in your room—and the hand holding the book freezes to death, even though the rest of you is warm under the blankets." (Alina Marie Swan)

9. "Finishing a book and having to wait a whole year to read the next in the series." (Sarah Scanion)

10. "Trying to keep the book dry while reading in the bath." (Patricia Boland)

11. "Ordering a book online and getting the book with the movie cover. A book with a movie cover just doesn't feel the same." (Anna RN)

12. "Not being able to read and eat lunch at the same time because you don't have a third arm." (Bernadette)

13. "When someone borrows your book and doesn't return it for ages!" (Pallavi B)

14. "Deciding. Which. Book. To. Read. First." (Monique Balsamo)

15. "Getting to a 'can't stop reading' spot in the book and it's 3:00am." (Joan Chesley)

16. "When you have a book with you, but it's not the one you wanted to read right then." (Virginia Osborne)

17. "Being forced to stop reading by other obligations, but choosing to ignore those obligations. Then getting in trouble." (Feel Like Fangirling)

18. "Packing for a trip and never being able to bring enough books." (Erika Gallion)

19. "Having a book fall on your face because you're reading on your back while holding the book up." (Manuel Cedillo)

20. And the ultimate book lovers' dilemma: "So many books, so little time." (Navy Reading)

50 Meals You Should Have Eaten If You Live In Perth

By Tessa Gallagher - 30 Sep 2015

Best Restaurants Perth Things To Do Perth
Piccolo's Corner | Image credit: Louise Coghill
It's no secret that here at The Urban List, we love our food—and we know you do too Perth! From delectable fine dining to the latest cafe openings and lust-worthy baked goods, Perth continues to astound us in all its culinary glory!

So we've come up with a (far from exhaustive) list of the 50 meals you downright should have eaten by now if you call our sunny city home! So are you neglecting your tastebuds, or are you a foodie with the finest of palates? Here’s 50 meals you should have eaten if you live in Perth. Side note: The below are in no particular order, picking a favourite would be harder than choosing a favourite child!
  1. Alfreds Pea and ham soup
  2. Voyage Kitchen Norma's Salsa
  3. The Garden Shoestring fries
  4. Subiaco Hotel Lamb pappardelle
  5. Piccolo’s Corner Smashed pumpkin breakfast
  6. May Street Larder Coco Whip
  7. Mrs S Croque madame
  8. Max & Sons Top Dup doughnut
  9. Cantina 663 Duck liver parfait
  10. Mary Street Bakery Salted caramel doughnut
  11. Hylin Acai bowl
  12. Chu Bakery Croissant
  13. Brika Slow-cooked lamb
  14. Flo Espresso Kimchi toastie
  15. Tuck Shop Cafe Beef pie
  16. Lucky Chan’s Laundry & Noodle Bar Danny Ramen
  17. Short Order Burger Co Bacon barbecue double cheeseburger
  18. Run Amuk Hotdogs The Punk hotdog
  19. Little Willys The brekky bagel
  20. Toastface Grillah Danny Zuccho
  21. Lalla Rookh Nonna’s meatballs
  22. Varnish on King The Bacon Flight
  23. Neighborhood Pizza Speck, pineapple and jalapeno pizza
  24. Duende Doughnut balls
  25. Ria Malay Kitchen Chinese shredded beef
  26. Low Key Chow House Mantou buns
  27. Gusto Gelato Apple pie gelato
  28. Perugino Anything from the dessert trolley
  29. Boucla Feta scrambled eggs
  30. Tropico Smashed avocado with lemon curd
  31. Little Creatures Frites
  32. Must Winebar Pan fried gnocchi
  33. Typika Beef benedict
  34. Hermosa Cronut
  35. Sprolo Traditional Singaporean Breakfast
  36. Northbridge Chinese Restaurant Yum Cha
  37. Bread in Common Woodfired organic bread
  38. Hong Kong BBQ House Roast pork
  39. The Re Store Continental roll
  40. Galileo Buona Cucina Gnocchi Al Pesto
  41. Rockpool Sirloin steak
  42. Balthazar Duck fat potatoes
  43. Print Hall Freshly shucked oysters
  44. Yelo Fruit toast
  45. Old Faithful Bar & BBQ Pulled pork
  46. Sherbet Cafe & Bake Shop Red velvet layer cake
  47. The Rose and Crown Sunday roast
  48. Barque Beef cheek massaman curry
  49. Cicerellos Fish and chips
  50. Gusto Food Home-made crumpets
- See more at:

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Sinus drainage for allergy relief

Dr. Mark demonstrating sinus drainage for allergy relief. Also a technique to help not have a sore throat or to hurry it up and get rid of it. This does increase your immune system function overall too.
Posted by Mark Lynch on Wednesday, May 13, 2015

The Seiko SKX007 Diver's Watch

Hello, 007. Today we’re going to take a look at what I’ve always assumed is another one of the worst-kept secrets in modern watchmaking: the Seiko Diver, model number SKX007. It’s probably the single best value at any price point, in an automatic watch that fits all the criteria of the infamous ISO 6425, which specifies the criteria for a watch to be able to call itself a diver’s watch (at least, in ISO member nations). Yes, it fits both the letter and the spirit of the law, but as with another worst-kept secret from Seiko – the incredible Seiko 5, which we looked at not long ago in our story “A $75 Watch That Looks Like A Million Bucks” – it ultimately manages to be so appealing on its own merits that the almost incredulity-inducing price is the least important aspect of the watch.
The SKX007 may have a humble price but it is part of a proud lineage of diver’s watches that goes all the way back to 1965, when Seiko introduced the 150-meter-water-resistant reference 6217. Since then, Seiko has introduced a huge range of diver’s watches, ranging from the iconic ref. 6105, which was produced until 1977 (and is famous among movie watch enthusiasts for having been on Martin Sheen’s wrist inApocalypse Now) to its professional models, intended for use under very challenging conditions, including saturation diving. The latter category includes the very first watch to use titanium in its case – the 1975 600 meter Pro Diver. (The 1980 Porsche Design Titan Chronograph was the first wristwatch to offer a titanium case, and an integrated titanium bracelet.) Seiko’s dive watch offerings today include perhaps the most purely practical mechanical dive watch in existence, at least considered from a technical perspective. This is the Grand Seiko Spring Drive Diver, whose self-winding Spring Drive movement and power reserve indication ensure both a very high degree of accuracy (within one second per day) as well as the ability to check and make sure there’s enough power reserve to prevent the watch from running down in the middle of a dive. (For a more detailed history, check out this great story over on Monochrome.)
SKX007’s immediate ancestor is the Seiko 7002, which it closely resembles, and it shares with SKX007 a water resistance rating of 200 m. It was produced until 1996, when it was finally replaced by the model you see here. SKX007 is also no longer in production but can be found on the secondary market, which is unfortunate as it represents the entry price point into the world of Seiko diver’s watches – as a matter of fact, it probably represents the entry price point into the world of genuine, ISO-compliant mechanical diver’s watches, period. (Rather amazingly, Seiko still hosts the PDF user’s manual for the 7002 on its website.)
SKX007 is an exercise in functional minimalism; there is absolutely nothing extraneous about any aspect of the watch. The case is a solid, heavy mass of stainless steel, though as with all Seikos, even at the entry level, it is exceedingly well made, with the rounded flanks rising gracefully to form the crown guards. The crown (for setting only, like the Seiko 5, the SKX007 can’t be hand-wound, but must be gently swung in the hand to wind the mainspring) is set at 4 o'clock, the better to keep it from pressing uncomfortably into the back of your wrist.
The bezel rotates in half-minute increments, and this is one of the many places that this watch shows its quality despite its very low cost. The tip of the triangle (with its inset luminous pearl) always lines up exactly on the index mark (or exactly halfway between) and it’s quite fantastic to see that cost notwithstanding, Seiko has ensured the watch offers irreproachable functional precision where it counts. The dial is also unadorned, but functionally excellent, with large and very bright lume plots (Seiko dive watches are famously torch-bright in the dark) and the seconds hand has both an application of white paint on its body, and a dot of lume on its tail, the better to allow you to use it as a function check in low light situations. There are some who will take exception to the white date/day disks, but the use of white actually makes the dial more symmetrical, and enhances low light legibility to boot.
The jubilee-style bracelet is, like the rest of the watch, functionally more than adequate. It rattles a bit, as is the case with the OEM bracelet for the Seiko 5 and quite a few owners like to experiment with different straps. Despite the occasional jingle-jangle, however, it’s actually quite comfortable, though it does not have a diver’s wetsuit extension (and you can hardly fault it for that, at the asking price, though if you dive with the watch a lot, you’ll probably want to put it on a long NATO or rubber strap).
Inside is the caliber 7S26, and as we did with the Seiko 5, we refer you, if you’re interested, to a full technical analysis of the movement from John Davis, whose article on the 7S26 has never been bettered for accuracy or, well, depth. We’ll confine ourselves here to noting that the movement is notoriously bullet-proof, and that the Magic Lever winding system is both a very clever piece of engineering, and extremely efficient (the watch, when taken in the hand, begins to run almost immediately at the slightest movement).
So here’s a true dive watch with wonderful functional excellence, and a connection to a great history – and the price? Pretty much any day of the week, you can find one for sale on Amazon for less than $170, which seems unbelievable, but it’s true. I can’t think of very many things horologically related, period, that are that inexpensive (okay, NATO straps and... I don’t know, spring bars, maybe) and absolutely nothing at this price point that is even remotely competitive. To get the same functional excellence, you would probably have to look at a G-Shock, and the latter, while a fantastic tool watch in its own right, is not ISO 6452-compliant. SKX007 has been for many years, and remains today, a rebuke to over-priced, over-decorated “luxury” dive watches everywhere – and a perennially fantastic Value Proposition.
I bought mine on qoo10 at a great price.  :)

Pixar's “UP” in Real Life: 80-Year-Old Grandparents Celebrate Anniversary with Adorable Piano Duet

Friday, October 23, 2015

Les incroyables photos de la construction de la Tour Eiffel | Paris ZigZag | Insolite & Secret

Dans une France en difficulté, et encore marquée par le souvenir de sa défaite face à l’Allemagne en 1870,  s’impose l’idée d’une Exposition universelle capable de restaurer l’image de la France au regard du monde.
Prévue à Paris en 1889, année du centenaire de la Révolution française, l’Exposition est tout entière dévolue au fer, et son clou  est la tour haute de 300 mètres dessinée par Maurice Koechlin et construite par Gustave Eiffel.
Il aura fallu plus de 2 ans et 200 ouvriers sur le chantier pour construire ce Meccano géant de 18 000 pièces. La Tour Eiffel resta « la plus haute structure du monde » pendant 41 ans,  jusqu’à la construction en 1930, du Chrysler Building (319 m), à New York.
Revivez en photos la construction de la Tour Eiffel de 1887 à 1889 !
Le premier croquis de ce qui deviendra la tour Eiffel – Par Maurice Koechlin
Vue du Champ de Mars avant la construction de la Tour Eiffel – Février 1887
contruction tour eiffel
Démarrage de la construction de la Tour Eiffel sur le Champ-de-Mars, en février 1887
Fondation de la Tour Eiffel en mars 1887 – Pierre Petit – Musée d’Orsay
Avril 1887
Août 1887, les 4 piles de la Tour devant l’ancien Palais du Trocadéro – © Musée d’Orsay
Août 1887
janvier 1888
janvier 1888 – © Musée d’Orsay
janvier 1888 – © Musée d’Orsay
ouvriers-eiffel jksdcioe
Ouvriers sur l’échafaudage d’une poutre en arc du « Campanile » – 1888 – ©ADAGP
Janvier 1888 –  © Musée d’Orsay
histoire tour eiffel 1888
Mars 1888
histoire tour eiffel  contruction 1888
Mai 1888
tour eiffel  contruction 1888
Juin 1888
juillet 1888 – © Musée d’Orsay
tour eiffel  contruction1888-
Aout 1888
juillet 1888
chantier-eiffel pourtre eiffel chantier
Les visites de chantiers en 1889 – ©ADAGP
Les étapes de la construction de 1887 à 1889 – © Musée d’Orsay
Gustave au sommet de sa Tour en 1889 !

Les incroyables photos de la construction de la Tour Eiffel | Paris ZigZag | Insolite & Secret:

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