12 personal money management life lessons to live by

Singapore 50-dollar notes

While we were searching for good reads, we came across Cary Siegel’s “Why Didn’t They Teach Me This in School?: 99 Personal Money Management Principles to Live By”. We’re not even halfway done with the book but already learning so much from the retired business executive.

Here are 12 personal money management life lessons adapted from the book.

#1: Marry someone who has good financial habits
a couple wearing masks for a wedding photo

Image Credits: The Straits Times

If you’re already married, you might agree that money is the top reason why couples fight. It could be very much due to a non-full disclosure during the dating process. Singles planning to tie the knot should learn how to facilitate money conversations to identify each other’s financial habits.

Here are some crucial questions you can ask:

  • How much debt do you have? 
  • At what age do you want to retire?
  • Do you want to have kids? If so, how many and how soon?
  • What is an ideal amount for an emergency fund?
  • Are we ready to leave the workforce to be a full-time parent? If yes, which one of us and for how long?
#2: Stay married to the same person
old asian couple

Image Credits: Pinterest

According to Singapore Legal Advice, divorce fees may cost up to S$3,500 for simplified uncontested divorces and S$10,000 to S$35,000 for contested divorces. Let’s not forget about pre-divorce payments, alimony, and child support charges. Need we say more?

#3: Know the cost of raising kids
asian family with young kids

Image Credits: MindChamps

The obvious expenditures include education, healthcare, clothing, and food. Other costs include moving to a larger HDB flat and getting a new car to shuttle them to school and enrichment classes.

Prudential Singapore has examined various costs involved in the parenting journey. From pregnancy to childbirth and education to recreation, you must plan your finances for the long road ahead.

#4: Buy only when you can afford it
a toy car and car keys

Image Credits: Carsome

When you don’t heed this principle, you will find yourself on a downward spiral to possible bankruptcy. Live below your means, and you will find extra cash to save and invest at the end of the month.

#5: Take care of your stuff
laptop-maintenance

Image Credits: atulhost.com

By stuff, we mean the things you own. It could be your white shirt, your latest mobile device, or even your car. When you learn how to take care of your stuff, you will find them lasting longer over time and requiring fewer repairs or replacements. This equates to more savings!

We wrote an article several months ago with tips to help you apply basic maintenance to your electronic gadgets to help them last longer. Click through the link if you’re keen to find out more details on battery inspection, data clearance, and more.

#6: Build lasting friendships
a group of friends

Image Credits: Visit Singapore

One of the greatest gifts on earth is connecting and learning from people from all walks of life. Whether your secondary school classmates or polytechnic school friends are working within the financial sector or not, there are still personal money management experiences you can tap on from them.

#7: Take away more by giving more
colleagues at work

Image Credits: HealthHub

This applies to your career in the early stages. Do you believe that you take away more from your company by giving more? The extra time and effort you’re donating to a work project can return tenfold because you gain valuable skills, knowledge, and experience by doing. Think of it as getting paid to learn!

With that said, those who are forced to work extra hours, make sure your employer is compliant with the Ministry of Manpower’s (MOM) practices. Click here for some FAQs relating to overtime work and rest days.

#8: Spend an hour per week learning about personal finance
man-reading-on-ipad

Image Credits: ConversionLab

There are tons of free resources online, and a quick Google search can reveal the top-ranking ones. The Straits Times also has an “invest” section you can take advantage of if you’re a subscriber. Don’t underestimate the little hour you spend a week because it’s significant when it adds up over the years.

#9: Enjoy the slow journey to wealth
a man in a suit drinking coffee

Image Credits: unsplash.com

Not all millionaires are made overnight. Do a quick search, and you will probably come across several rags-to-riches stories that will inspire you.

Please note that you don’t have to be exactly like any of the high profiles out there because everyone has their set of money management principles. Find your own and be comfortable in your unique journey to wealth.

#10: Pen down attainable short-term financial goals
a lady writing something with a pen

Image Credits: unsplash.com

Short-term financial goals refer to your quarterly plans or annual ones. This could include the exact amounts for savings and investments. You can also note down personal reward amounts if you’re expecting big purchases. Remember to review your goals frequently and spot the hits and misses.

#11: Set realistic long-term financial goals
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When you have your short-term plans ready, it’s good to spend some time setting realistic long-term financial goals. If you like it, you may call it “the big picture” or “a bird’s eye view”. Long-term goals could mean you look far ahead in 5 years, 15 years, or even more.

Here’s a look at the author’s long-term financial goals when he was 25:

  • Buy my next car with cash (within 5 years).
  • Pay off all college loans by the age of 30.
  • Own a home by 35.
  • Attain a net worth of $1 million by the age of 40.
  • Own a beach property by age 45.
  • Retire by the age of 50.
#12: Develop a simple net worth statement
Net worth calculator

Image Credits: MoneySense

There are online resources available to help you find out your net worth. It’s nothing too difficult to understand. For example, MoneySense has a net worth calculator you can use. All you have to do is input your total assets and total liabilities and let the webpage work its magic.

So what are your thoughts on a peek at Siegel’s “Why Didn’t They Teach Me This in School?: 99 Personal Money Management Principles to Live By”?

Let us know if you want more insights from his book, and we will prepare them in the coming weeks. If not, you can also grab a copy yourself and be enriched with more personal money management principles to live by. Happy reading!

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How to deal with a micromanager professionally

colleagues at work

Micromanagement is such a pain in the arse. At a point in our careers, we might have been faced with a micromanager some time, somewhere. But many out there may not even know that they are being micromanaged.

So what are the common signs of micromanagement? Here are eight common ones from such bosses:

  • Little or no work delegation
  • Always asking you for updates
  • Show a reluctance in mentoring
  • Finding fault in everything you do
  • Famous for one-way conversations
  • Sole decision-maker even for the littlest of tasks
  • Like to focus on the small details but miss out on the big picture
  • Delay project deadlines because everything requires their “yes”

If you suspect that you’re whirled up in such a situation and it’s taking a toll on you, act on it before you explode.

Here are some ways to deal with a micromanager (or colleague) tactfully. Fictitious names included!

#1: Have an honest heart-to-heart talk
coffee conversation

Image Credits: unsplash.com

As a micromanaging superior, Peter might not be very welcoming of criticisms. Be sensitive when dealing with this. When we say to have an honest heart-to-heart talk, we mean a candid but specific conversation.

Bill Gardner, founder and managing partner of Noetic Outcomes Consulting, suggests this with over 40 years of experience coaching executives. You want to describe your feelings when Peter’s behaviours directed at you make you feel X, Y, and Z. Then, go ahead and list some specific actions you hope to see going forward.

Now, some of you must be thinking this is impossible. As Asians, we may not like to confront head-on. But grow some guts, and you never know positive outcomes could snowball out of your truthfulness.

#2: Be direct with your requests
young-businessman-and-businesswoman-sitting-outdoors

Image Credits: Freepik

During your conversation with a micromanaging boss, you want to be direct with your requests. Ask Sally what you can do better to address her needs. Even if she responds with a “but you’re already doing well”, don’t stop there.

Share with Sally your intention of improving collaboration with her. If you’re the sort that requires time and space to prove your work capabilities, let Sally know.

Instead of her chasing you for updates as and when she pleases, take the initiative by scheduling weekly check-ins. This can become your silent way of saying, “Please stop checking in for information outside of our scheduled meetings.”

#3: Ask questions to understand their point of view
an asian woman asking questions at a business meeting

Image Credits: londonimageinstitute.files.wordpress.com

When you’re pulled into a project meeting, don’t just let John do the talking and then complain about him during lunch hours. To attempt to make your life a little better, you want to understand your manager’s perspective.

To do so, ask questions.

Katharina Schmidt from the Forbes Coaches Council shares that these questions might guide you towards a better working relationship:

  • What are your deal breakers?
  • What are your success hypotheses?
  • What are your key objectives for this initiative?
  • How, and how often, do you want to be informed?
#4: Focus on behaviour and impact
two-business-people-wearing-face-masks-while-discussing

Image Credits: Freepik

When having any conversations with Zelia, you want to avoid the “m” word – that is, “micromanaging”. What you can do is to focus on the behaviour and impact it has on you.

For example, Zelia’s need for constant updates on your progress is one such behaviour that has impacted you. Let her know that these updates are taking extra time off your productivity and attention on your urgent projects at hand.

See if both of you can negotiate an alternative solution to that. Maybe setting a fixed time for updates can help you better manage your working hours?

Don’t be afraid to offer new ideas.

#5: Identify your superior’s end goal
Two young businessmen discussing new project

Image Credits: Freepik

Conflicts often arise when two people are not on the same page. To stand on the same ground as Raju, you want to align with his end goal. April Armstrong, CEO of AHA Insight, notes the power of the “then what” question.

Ponder over these:

  • After I complete this assignment, what happens next?
  • If this were to be a big success, what would the ideal outcome be?

When your destinations are in line, Raju may see you in a different light. It can also prompt him to release his grip on his control over you and your teammates.

#6: Keep your eye on the curveballs and overdeliver
asian woman drinking coffee while working in a cafe

Image Credits: Freepik

For folks currently facing your first micromanager in your job, the whole experience can be daunting. But don’t waddle in the toxicity and put yourself at risk of being sour over it.

Understand that micromanagement is often a result of these two reasons:

  • The fear of being disconnected leads Carrie to find out as much as she can through countless updates like reports, meetings, and one-on-one conversations.
  • Carrie finds it difficult to transit from a position of doing to a trusting and coaching managerial position.

Jill Hauwiller, the founder, principal consultant, and lead executive coach at Leadership Refinery urges us to find out what our manager values and wants. Anticipate the unexpected and overdeliver on your promises.

This is because even if you can’t change their micromanaging behaviour at the end of the day, you have your great results to back you up. Your successful work output is something no one can take away from you.

Put on a little smile
two women having a conversation

Image Credits: unsplash.com

Remember our recent article on “Strategies on how to cope with someone you dislike at work”? When working with people you find difficult working with, communicating your points across calmy without being defensive is essential.

Jeff Altman, a career coach from The Big Game Hunter, said that smiles and laughter often go a long way toward making a point with people. So put on that big, friendly smile before you enter into any discussion with a micromanager.

Career and people skills take time and deliberate effort to develop. Don’t quit your job on impulse.

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Some answers to your questions about safe sex during pregnancy

asian-young-pregnant-woman-with-her-husband

Being pregnant is tough.

But it’s even more challenging to keep up with the sex drive, for both you and your partner. Whether you’re a first-time dad looking for some answers to your questions on sex during pregnancy or a mum-to-be looking to spice things up while expecting, this article might help.

Here are some common questions and answers about safe sex during pregnancy.

#1: Is it safe to have sex during pregnancy?
man waiting for a woman to enter the bedroom

Image Credits: unsplash.com

In short, yes. But if you’ve been advised otherwise by your doctor, heed the medical professionals’ opinions.

We’re glad to have Aleece Fosnight’s opinion on this. Fosnight is a physician assistant and sex counsellor in urology, women’s health, and sexual medicine. She shares that the uterus may shift a little during penetration, and the mum will feel it.

Now, don’t freak out. Think of the uterus as a mobile home for your little bean. “The baby is super protected and has its own filter system that’s really selective about what goes in and comes out,” Fosnight highlights.

Sex during pregnancy is safe unless the lady has incompetent cervix or placenta previa and need to let the pelvic rest. Read more about pelvic rest here.

#2: Will pregnancy sex cause miscarriage?
a pregnant woman in despair

Image Credits: tag24.com

Many believe that having sex and orgasms might lead to early labour or cause a miscarriage. This is not true. A study done in 2011 on sex in pregnancy reveals that sex doesn’t induce premature labour in low-risk pregnancies.

According to the NHS, your partner’s penis cannot penetrate beyond your vagina. Thus, this means that the penis will not hurt the baby. However, it may lightly bump onto the baby protected behind the cervix, uterus, and amniotic fluid. But it’s no massive cause for concern.

Stephanie Buehler, an author, psychologist, and certified sex therapist adds that some couples have intercourse up until the woman goes into labour. Parties can do as they please if they are comfortable with it.

#3: Is bleeding after sex normal?
pregnancy-and-early-bleeding

Image Credits: wehavekids.com

Most of the time, post-sex light spotting or bleeding shouldn’t be a concern. It could happen because of an increase in the superficial veins and capillaries in the cervix and vaginal area. These capillaries are often very delicate, and even the slightest friction can cause them to rupture during sex.

But if there’s one thing you can do, it is to journal down the blood colours – whether it is bright red, deep red, brown, or a mixture of it.

With that said, expectant mothers who are spotting blood over days or weeks after sex should consult a doctor. It could be a case of placenta previa. Mayo Clinic identifies this phenomenon as a situation where the “baby’s placenta partially or totally covers the mother’s cervix — the outlet for the uterus”.

“It’s always best to talk with one’s physician regarding any concerns,” Buehler advises.

#4: Should sex hurt during pregnancy?
an expectant couple sitting on a bench

Image Credits: unsplash.com

By right, sex should not hurt during pregnancy. “Sex should never hurt, and it’s best to talk openly,” Buehler says.

But by left, it can occur due to certain conditions. Julie Lamppa, a certified nurse-midwife at Mayo Clinic, notes that bladder infections, yeast infections, or bacterial vaginosis are some culprits leading to painful intercourse.

If it hurts too much, know that intimacy doesn’t always mean intercourse must happen.

Dennis Sugrue, PhD, past president of the American Association of Sex Educators, Counselors and Therapists, sheds light on the issue. “Stroking and caressing, and sometimes just getting naked together and sharing the way that vulnerability feels, can help keep bonds of intimacy strong between partners – even if intercourse isn’t occurring.”

#5: Is there anything sexual that’s unsafe?
holding a rose in handcuffs

Image Credits: unsplash.com

Some of you parents-to-be must be wondering about BDSM.

For folks who aren’t exactly sure what BDSM is, Cosmopolitan describes BDSM as a term used to describe these sex elements: bondage and discipline, domination and submission, sadism and masochism.

While light BDSM may be okay, using rope or any tight forms of constraints around the abdominal area should be avoided. 

Dr Corey Babb, an OBGYN and Professor at Oklahoma State University, tells us that some couples should avoid aggressive nipple play as nipple stimulation can cause the release of oxytocin (a contraction-causing hormone) from the brain. This is especially so for women who are between 34 to 39 weeks pregnant.

You may want to read more about BDSM during pregnancy here.

#6: What are the best sex positions to try out?
pregnancy sex positions

Image Credits: babycenter.com

Even without BDSM, intercourse can still feel wonderful if both of you engage in positions that help maintain the belly’s pressure and weight.

Here are 12 pregnancy sex positions to try as advised by medical professionals.

First Trimester
  • Scissor
  • X-Files
  • Cross Buttocks
  • Edge-of-Couch Missionary
Second Trimester
  • Doggy Style
  • LeapFrog
  • The Hot Seat
  • Cowgirl
  • Spider
Third Trimester
  • Spooning
  • Reverse Cowgirl
  • Table Top

Want a visual illustration of how to work the above moves? Click here to view the positions.

Sex drive changes during pregnancy are normal
expectant parents

Image Credits: unsplash.com

The ebbs and flows of your sex drive during pregnancy is normal. On days you might get the full steam ahead while at times you just want to lie in bed and be alone.

Yes, hormones are to be blamed in this case. For those who are engaging in more sex than ever, great for you! But expectant mothers with a lack of libido should not feel guilty at all. Have an honest conversation with your partner about it and read up on ways to keep sex alive while preggers.

This too, shall pass. Here’s wishing all expectant mothers a joyful pregnancy journey and a smooth delivery to come!

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Powerful messages from ‘The White Tiger’ we can apply in real life

The White Tiger ending scene

Honestly speaking, while ‘The White Tiger’ has ranked its way on top 10 of Netflix’s film list… I’m not a fervent fan of it. But that’s just my personal opinion.

On one side, we’re happy that Balram broke free from his master and saw the light at the end of his tunnel. But on the other hand, we can’t seem to condone his behaviour and the choices he made.

The White Tiger movie poster

With that said, though we’re sitting on the fence on this 2021 film that’s currently showing on Netflix, there are powerful messages to learn and apply in real life from ‘The White Tiger’.

Here’s our take on it.

#1: Poverty should not be a hindrance to one’s success

Just a few minutes into the opening, ‘The White Tiger’ opens with a weighty message. That is, “Any poor boy in any forgotten village can grow up to become the prime minister of India.” Yes, poverty sucks big time, but not being rich should not be a barrier to one’s hope and dream for success.

#2: Tap onto every opportunity to listen and learn

Balram shared that he had learned to use his time wisely to eavesdrop on customers, hoping to gain an opportunity. While eavesdropping isn’t that polite, it doesn’t hurt to tap on opportunities to listen from your neighbours and gain some insights. You never know when an opportunity will present itself.

#3: Upskill for better prospects

Balram could have settled contentedly with his brother in the poor village. But instead, his target for better prospects led him to the desire for upskilling. Instead of saying, “I can’t drive so this job is not for me,” he asked his granny for 300 rupees (S$5.47) to go for driving lessons with aims to secure a better paying job.

#4: Eat or be eaten up

Isn’t this just so true about life in general? Whether it’s in relationships or the economy, there are only two destinies. You either eat to your fill and prosper to greater heights or get eaten up by your co-workers who step on you to rise to the top. You hold the power to write your fate!

#5: Know your competition

When we say know your competition, we mean to be well aware of it. Especially to those thinking of starting their own business or entrepreneurs who are at an early stage running their start-up, this is some wise advice you ought to take. Being up to date with what’s happening within your industry can steer your business strategy towards success.

#6: Women should speak up for themselves

We know it’s the 21st century, but women still face discrimination in certain countries and cultures. Ladies, if a man ever tells you that you belong at home and have no place in a man’s discussion, speak up. There is no way you should let a person belittle you like that.

#7: Don’t underestimate the weight of kind words

Do you remember the first time or a situation where you were desperate for some kind words? “You’ll figure it out. Don’t worry,” was what Ashok told Balram in ‘The White Tiger’. This was after Mukesh slapped Balram on the head after he missed the exit. Don’t underestimate these simple words to a friend or colleague. You might touch them in unexpected ways beyond your imagination.

#8: You don’t always need a start-up business plan

It’s common for start-ups to come up with a business plan. Well, it helps to have a clear vision for the way forward and a written document to follow if there are hurdles along the way. But do you know that it’s not always necessary? Instead of wasting time on a start-up business plan, you want to do these five things instead.

#9: Spend some time in reflection

Reflections are not only for the end of the year. It doesn’t harm anyone to do a review at any point in their lives. Asking yourself questions such as “What is it that I want to do?” can direct you to a decision you might not have thought about it before. Is it a business idea you’ve been putting on hold for some time? Or a new field you’re looking to enter? Take actionable steps to achieve it in 2021.

#10: Stop searching for the key when the door is open

Balram thought he heard Pinky said to him, “You were looking for the key for years, but the door was always open.” Putting this in life’s context, do you find yourself searching for the key to open a particular door? While being stuck in this tiresome rat race, maybe you already hold the ability to unlock new opportunities. The question is, are you allowing yourself to?

#11: The early bird catches the worm

We bet all Chinese-educated peeps have heard of the phrase, “早起的鸟儿有虫吃”. When translated to English, it simply refers to how the early bird catches the worm for food. To put it in another way, it benefits one to be early in grabbing onto a chance when others are still deep in their slumber. So are you the former or the latter?

#12: Beware of yielding to temptation

When temptation knocks at the door, learn to walk away. A little moment of interest in that “red bag” will grow into an idea, and that action of folly will lead to possible regrets down the road. You will start justifying your actions as right and look for ways to continue indulging in that little secret you want to hide from the world.

Final Thoughts

We think young people should watch ‘The White Tiger’ with discernment. Robbing someone to break away from poverty and gaining monetary freedom is not morally right.

We shan’t spoil it any further for those who’ve yet to watch the film but have read up till this point. Let us know your thoughts on the ending after you’re done with your two hours?

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Foods and supplements you can take to counter high cholesterol

tuna and salmon sashimi

Do you know that cholesterol is not that bad a substance on its own? It is necessary for the formation of cell membranes, selected hormones, and vitamin D. But as with most things, we all know that too much is never too good.

Are you curious about how high cholesterol happens? Well, we will attempt to explain as simply as we can.

To help move cholesterol within your body, your liver produces lipoproteins. There are two critical names of lipoproteins you need to know:

– Low-density lipoprotein (LDL)

– High-density lipoprotein (HDL)

LDL is the culprit here. When there is too much of it, high cholesterol occurs. We all have an idea what cholesterol can do to our health. If you’re not aware, stroke and heart attack are the common illnesses that may strike.

Those currently on medication may be looking for natural foods and supplements to take alongside your pills. As we’re no medical professionals, please consult your doctor before embarking on any food intakes we’re about to introduce to you.

Oh yes, while garlic may decrease total cholesterol levels, some people just aren’t fans of the smell and aftertaste. As such, we will not expand on it in this article. You can read more about it here.

#1: Astragalus
Astragalus

Image Credits: Healthline

According to the National Center for Complementary and Integrative Health (NCCIH), astragalus has been used for a long time in traditional Chinese medicine. Consuming it can provide significant benefits to the immune system.

Ask your parents what 黄芪 (huang qi) is, and they might be able to share with you their extensive knowledge of the heart-friendly herb.

We found a shop in Shopee selling Organic Astragalus Root (有机黄芪斜片) at S$10.80! Click through the link if you’re keen to buy a bag or two for tea-making or add to a nutritious pot of double-boiled soup.

Or you can check out a range of Astragalus products on iHerb instead. For those who don’t fancy tablets, there are extract forms available too.

#2: Hawthorn
Hawthorn berries

Image Credits: meandqi.com

Hawthorn berries are loaded with antioxidants and may decrease blood fat levels like cholesterol. Studies have shown that doses of hawthorn extract fed to mice lowered their LDL and total cholesterol.

There are also other researches suggesting benefits of improved heart function. In turn, some patients require lesser medications to manage their heart conditions. Hawthorn berry may also reduce the risk of sudden heart-related deaths.

Superior Hawthorn Fruit by Eu Yan Sang (S$10.90) is currently sold out online at the time of writing. You may check back at a later date or swing by the stores to get your bottle.

For folks who are more comfortable with capsules, you can consider getting the Hawthorn Extract Herbal Supplement by GNC HERBAL PLUS® (S$35.95) instead.

#3: Flaxseed
flaxseeds and flaxseed oil

Image Credits: Unlock Food

You should take in flaxseed or flaxseed oil because of its high levels of alpha-linolenic acid (ALA) that may help lower cholesterol.

A 2019 review article reveals that flaxseed may positively affect people diagnosed with heart and blood vessel diseases. Other older studies like one in 2012 have shown that flaxseed dietary fibres can lower cholesterol and even increase faecal fat excretion.

Make a trip down to your favourite supermarket, and you may be able to find some organic flaxseeds off the shelves. Alternatively, you can also buy your Organic Golden Flaxseed by ORIGINS (S$6.55) from Cold Storage.

Guardian is currently running a 54% discount on its Nature’s Heart Milled Flax Seeds. Instead of its original price of S$10.90, you need to pay only S$5! Buy soon before the promotion ends.

#4: Red yeast rice
Red yeast rice

Image Credits: Healthline

Red yeast rice is also commonly known as 红曲米 (hong qu mi) to the Chinese. There are pieces of evidence to show that eating red yeast rice extract can help lower your cholesterol levels and the risk of cardiovascular diseases.

The naturally-occurring substance in red yeast rice extract known as lovastatin is the main thing to note. Lovastatin prevents the body from making cholesterol and is comparable to Mevacor, a cholesterol-lowering drug.

However, not all red yeast rice products are effective or safe to consume, so read up or do your research thoroughly before buying.

If you don’t have the time to Google, leave it to us.

We found a vegetarian-friendly Red Yeast Rice option by LAC ACTIVATED® (S$39.95) for you to consider. The product contains both monacolin K and lovastatin to tackle cholesterol. It is made using a top-quality grade of organic rice with advanced technology for its fermentation process.

Peeps who want to reap double benefits of red yeast rice and natto can check out the CholesFREE PLUS With Natto by Eu Yan Sang (S$39.90). The item is prepared using a technique called ZEROTOX® to reduce impurities and retain the active compounds needed to maintain healthy cholesterol levels.

#5: Fish & Fish oil supplements
salmon steak

Image Credits: Eatwell101

Salmon, tuna, lake trout, herring, sardines, and other fatty fish are good sources of omega-3 fatty acids. Walnuts, canola oil, and soybeans are great alternatives too. If not, one can also turn to omega-3 supplements.

Healthline has shared with the public on 17 Science-Based Benefits of Omega-3 Fatty Acids. Hop over to read if you’re keen to find out more on what omega-3 fatty acids can do to your body.

Meanwhile, a Harvard Medical School trial has also confirmed that a daily high-dose, 4-gram prescription of omega-3 medication can lead to a 25% reduction in the risk of dying from heart disease or suffering a cardiovascular event.

But it may not be suitable for everyone as they may come with risks or side effects. When in doubt, please seek a doctor’s opinion.

Please also note that the foods and substances mentioned in this article, including fish and fish oil supplements, cannot replace a statin. Based on the Cambridge Dictionary’s definition, a statin is “a drug that reduces the level of cholesterol”. But they may be consumed alongside medications to reduce bad cholesterol levels.

Take in more fruits and vegetables
fruits and vegetables

Image Credits: Times of India

Think it’s too much of a hassle to introduce astragalus, hawthorn, flaxseed, or red yeast rice to your current diet?

Then why not take in more fruits and vegetables during your daily meals? Fruits like oranges, apples, avocado, and vegetables such as broccoli, cauliflower, and brussels sprouts are natural foods that contain plant sterols and stanols.

Plant sterols and stanols can help lower your bad cholesterol so the next time you order cai fan (economy rice), skip that fried dish and opt for more greens.

Health is wealth so let’s make more deliberate decisions this year for health’s sake, shall we?

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