The majority of us would never even consider nibbling our lunch in the bathroom, yet we do this constantly in our office. Recent studies show there are more germs in the average office than in the average bathroom! Perhaps that is a good sign that keeping your office clean is really vital.

For most office employees, keeping their office clean isn’t something they really have time to make a priority. Can you envision telling your manager that your report will be late because the germs and dust in your office need some attention? It’s doubtful that your boss would appreciate that.

meeting, business, architect

Despite the fact that you are very busy, you ought to keep your office area as clean and organized as possible. How your office appears will give a particular impression to clients, co-workers, and your supervisor. You will also spend less time trying to pursue particular items if you always keep them in the same location.

If you operate in an office, then you know all too well that once someone gets the flu or a cold, it looks like it takes its time attacking each person in the office. You can help prevent catching such illnesses by keeping your office clean. Keep some cleaning wipes in your drawer and make sure you use them on your keyboard along with your desk. There are many products that work great for killing germs.

Many offices have a cleaning company that shows up periodically. They empty the rubbish, wash windows, dust, sweep, mop, and anything else that your company desires to pay them for. However, they don’t try to wipe down personal desks or try to eliminate germs. If you intend to accomplish that feat, you are pretty much by yourself.

If there are air ducts into your office, then they should be cleaned by a professional often. Dirt, germs, and debris can hide in them and lead to those unwanted things being circulated in the office areas. Older buildings also will need to be inspected for signs of mold.

If your office has a very high rate of people getting sick with colds and the flu, talk to your supervisor. Make sure they understand just how important it is to keep each office clean. It can result in employees feeling better and that will result in fewer sick days and more productivity.

Frequent vehicle servicing or preventative care, if you will, can go a very long way in ensuring your car performs at the very best performance. For instance, not a single person truly appreciates the journeys to a mechanic because our brake pads are worn out to the rotors or drums and we need to spend more time and dollars to restore the brake system. What little time it takes to ensure we do the “regular” actions to our vehicle, makes the free time well passed. The pay me now or pay me later cliché, within this case, is never more accurate. The following guidelines will help you in having your motor vehicle all ready to take you anywhere you have to go.

Can’t be said enough about frequent oil replacement and oil filter change. For me personally, I have oil changes every 2,000 miles. The recommended timetable is every 3, 000 miles. Because of my religious focus to periodic oil and filter changes, I have a 1978 Buick LeSabre with 195,000 miles on it and in 2006 it still moves like a fantasy. It should go without saying but a lubing of the chassis or “lube job” some refer to it as, should be performed simultaneously while you have the oil replaced.

The air filter, when polluted, is a typical issue when you discover your auto has a lot less power and is making use of more petrol. A simple examination of the filter will give you an idea of how dirty it is. Mechanics will often admit that this effortless step can go a very long way in maximizing your motor vehicle’s performance. Air filters are critical in reducing the amount of dirt, dust and other risky contaminants going into the engine. In other words, your vehicle runs less efficiently when the filter is blocked with dirt and grime. Filters should be removed and replaced every 3,000 miles. Also, have the air filter changed when you have an oil change performed on the car or truck to save time or an additional trip to the mechanic.

And while we’re talking about filters, the fuel filter is perhaps the most ignored or forgotten thing for usual checkups. Vehicle pros don’t comprehend why this occurs but it does. Can you remember the Buick I just mentioned? I have had the fuel pumps and fuel filters checked often on that car. I can honestly say I get approx two more miles to the gallon when I take account of mpg/number of gallons of fuel applied after I have removed and replaced a fuel filter. Every time you happen to notice or speak to yourself, “I sure am using more gas lately”, evaluate the fuel filter.

Regular replacement of the brake pads is also important. Many professional mechanics will acknowledge that parts to the brake system are among the most important safety features on a car. You should be able to halt your car or truck quickly and securely. All brake pads will wear and tear gradually. If you start listening to squealing like sounds or the sense of the pedal upon braking is “mushy”, you need to consider that the brake pads are starting to get worn. The function of the brake pads is to provide friction with the pad to create braking or halting is possible. Brake pads may be easily detected for wearing away with regular evaluations.

Running in a dance with the distributor and ignition coils. Many things can indicate troubles and ignition system wire malfunction. There may be erosion at the wires or connectors. Resistance can build up as the wires get older. The substance encasing the wires may be shredding or got wore out.

The first sign of issue normally appears when you start noticing a missing or stuttering type action when the car or truck is running. There’s a substantial tugging like symptom that feels to you that your car can’t get the energy to move. Always try to keep your ignition system wires clean. Always troubleshoot for wires that look worn out or are not properly installed on the spark plugs. Changing your spark plug wires will mean excellent car starting and less ignition type troubles that can follow due to worn sparking plug wires.

Well maybe this isn’t actually vehicle “maintenance” in itself, but doesn’t a clean car or truck make you feel better? Again, have you ever noticed the vehicle seems to operate smoother when she’s well-maintained? Having the engine steam cleaned on a periodic maintenance plan can also go a very long way in increasing the lifespan of your engine. Engine cleaning will keep the corrosion and grime from building up on your spark plug wires too. It will help when you are examining your engine for leaks, unplugged or loosened wiring and keep the corrosion off your automobile’s battery.

While these aren’t the only “routine maintenance” guidelines out there, you can always research your car’s handbook for other suggestions that can help lengthen its life and keep it running in optimal condition.

Paying for travel insurance is only a small fraction of the price you have saved up for the entire travel trip. It can save you a lot of unforeseen cost if you meet any nasty occurrence. If you don’t want to end up being completely broke after an unplanned accident overseas, you got to buy travel insurance.

Travel Medical Coverage

I am not trying to sell travel insurance here. What happened was, during one of my trip, I fell sick. My travel plan was destroyed. On top of that, I lost money paying for medical expenses which were not planned for. My friend told me, that should I have purchased a travel insurance, I would have been covered for those medical expenses I paid.

This is a small amount comparing to if I got into a more serious event like car accident or something worse. I could have paid more out of my own pocket instead of being covered for those expenses. Just like the weather, you cannot predict what is going to happen the next day, it is best to be covered than sorry.

Travel Insurance Coverage

Common Travel Coverage

Some of the common coverage includes:

Medical Emergencies & Evacuation

This is for the event that a person gets into a serious illness during the trip and need medical attention and evacuation back to home country. The coverage will take care of the expenses incurred in getting medical help and transportation back the home country. When you are ill, the last you need to worry is money.

Cancellation of Trip

When all your travel tickets and hotel are booked and suddenly there is some unforeseen legit reason for you to cancel the trip, this will be something that the travel insurance will cover. Such incidence can be a sudden death of a close relative, illness or accident prior to the trip.

Lost of Baggage and Personal Belongings

These are perhaps the most common when you are travelling. You can probably relate to it if you have been travelling frequently. Losing the belonging mean that you have to buy all the necessary items again while you are travelling. These costs can be reimbursed when you make a claim.

Personal Liability Insurance

When driving overseas, there can be time when you are not very familiar with the road system and you get into an accident. This time, you can claim for personal liability coverage for third party claim. You can also protect yourself for any injury caused to yourself.

Duration of Travel Insurance Coverage

Some Insurance cover for long trip and some for a shorter duration. Its good to know the term of the coverage and if any locations are excluded. This is more for those who are travelling more frequently from country to country before returning home.

Final advise is, do not leave home without any insurance coverage. Whether it is for personal accident, travel insurance, medical insurance whatsoever. You never know when you need it the most. We don’t want our hard earned money to be lost overnight due to one unforeseen occurrence.

Rivercove Residences – A New Executive Condominium in Seng Kang

Rivercove Residences is to be built in Anchorvale Lane, in Seng Kang, Singapore. This executive condominium is expected to be out for sale by early 2018. EC condo is only eligible for Singaporean and permanent residence, but is known to be very hot property when it comes to property interest. This location is near to many schools and entertainment and its developers, Hoi Hup Realty and Sunway Developments are both well-known developers that have built many good properties in the past.

Rivercove Residence is built on prime location at Anchorvale Lane

Rivercove Residences was a hot bid among many developers. With 16 developers participated in the bid for the property since 2013. With 7 to 9 as average bidders for EC in Singapore, this EC was sold at an impressive S$240.95 million to the joint venture between Hoi Hup Realty and Sunway Developments. The competitiveness of the bid on this site for Rivercove Residences EC is a sure sign of growth of this prime location. The launch date of Rivercove is not yet confirmed but is projected to be around late 2017 early 2018. The size of the land to Rivercove Residences will be built on will be within the 678,600 sq ft of land.

Rivercove Residences Location

Register Interest for Rivercove Residences to be the first to ballot for your prime unit

To buy newly launch condominium or executive condominium, the process is very standard. When you hear developers or agents announcing the launch, you better be faster than anyone else. The first come first serve rule stands and if you are behind others, the chance of getting the earlier queue to ballot will be slim. If you don’t book the unit before others, you tend to get the leftover. Therefore, it is best to engage an agent who is experienced with new launch to update you on the latest movement of this hot property launch.

Be prepare before purchasing the EC

Get as much information as you can to prepare yourself for the purchase. Consult with a banker to get an idea how much you are eligible to loan. Check that you have all the requirement to get an EC condo. Once you are very sure about your eligibility, you can budget for the property. Based on market price, you will know the estimated price for the executive condo. Plan the budget in advance and how big you want to buy. Most of the time, smaller unit tend to get sold on the first day of property launch. This is because many property investors tend to buy it and rent it out as a form of investment.

Determine what is your intention to purchase Rivercove Residences. If you want to buy for your own stay, you have to be sure you are able to finance the property. It’s a long-term commitment, talk to a real estate agent and work out your loan eligibility with a banker prior to making a decision. Once you are fully aware of these, you will be able to make good property purchase decision. Note that on the day of property balloting, you will not have much time to consider. When you queue is called, you will be given a few minutes to make a decision which unit you want to buy and place a deposit immediately. That is why, making the initial research for your financial capability to purchase the property is paramount. If not, you can risk having a huge financial loss. Withdrawing after making a deposit payment of property purchase can mean part of your deposit will be forfeited. I am sure, this will be the last thing you want happening to you.

If you want to learn more about Rivercove Residences executive condominium, you may visit the official site here to get in contact with the real estate representative for help. Register your interest and be invited to the launch. Get advice how you can prepare yourself prior to the launch, like checking your eligibility and getting banker’s advice.

I wish you all the best and good luck on your property hunt!

This article is brought to you by SG Living, you guide in living in Singapore.

Pet insurance has the benefits that pet owners may never thought about. Do you own a pet? Then it is the high time for you to think about purchasing pet insurance. It would provide a variety of benefits as well as advantages to you in the long run.

When your pet is not feeling well, you will have to take him to the vet. However, the charges of your vet would not be that affordable. You will have to spend a considerable amount of money out of your own pocket on medications and treatments. Obtaining pet insurance can be considered as the most convenient method available for you to avoid this hassle.

Pet Insurance

Benefits of Pet Insurance

Here is a list of some of the most prominent benefits that you will be able to experience with pet insurance.

Save Money on Pet Medical Expenses

This can be considered as the most prominent benefit associated with pet insurance. In fact, most of the people go ahead and spend their money on pet insurance due to this reason. If you have ever visited a vet, you know how much money you have to spend to get the medical expenses of your pet covered. You would have medical insurance to cover up your expenses. Likewise, you need to obtain a pet insurance to cover up the medical expenses of your companion as well.

Maintain Your Pet’s Health

When you have pet insurance, you would be tempted to visit the vet on a regular basis and do health checkups on your pet. This is extremely important for the good health and well-being of your pet. In other words, you will be able to deliver a longer life to your companion.

Pet Medical Treatment Options

When your pet encounters an illness and you take it to the vet, you will be provided with more than one treatment option. Then you would realize that the cost associated with best treatment options are relatively high when compared to others. But when you have a pet insurance coverage, you don’t need to keep such doubts in your mind. That’s because you know that per insurance would cover up all your expenses. Therefore, you will be able to move ahead with the most effective treatment option while keeping peace of mind.

Pet Lost Coverage

If your pet gets stolen or lost, your insurance coverage would offer an exciting reward for the person who finds it. Therefore, your chances of finding back your pet would obviously increase. This can keep you away from the frustration of living without your pet for a long period of time. When your pet gets stolen or lost, you just need to put up some posters with the reward you give. You will not have to spend any money on the reward because pet insurance would take care of it.

Pet boarding expenses

If you get the need to travel abroad, maybe to spend your annual vacation or for a business trip, you will have to board your pet. In such a situation, pet insurance would pay the expenses. This will also assist you to save a considerable amount of money.

As you can see, pet insurance has the ability to deliver a variety of benefits as well as advantages to you. You just need to be careful to go ahead and purchase the best coverage. Purchasing a pet insurance policy would not be a difficult thing to do as well. That’s because you can easily get in touch with a pet insurance company and get your coverage online. This is one of the best investments that you can do towards the better health of your pet.

When searching for pet insurance, you need to be careful to proceed with a coverage that matches perfectly well with your preferences. Even though it takes some time for you to figure out the perfect plan, time you spend on it would be totally worth when compared to all the benefits that you can receive in the long run. Therefore, every pet owner should think about purchasing a pet insurance policy without thinking twice.