6 Low-Maintenance Indoor Plants That Purifies Air

Many Singaporeans have dabbled into gardening in the recent months due to the limitations of the Circuit Breaker. One thing is for sure, bringing your first houseplant home can be exciting and intimidating.

With the endless varieties of indoor plants, you may not know where to start. Consider starting with these forgiving plants that will not easily die on your watch.

#1: SNAKE PLANT

Plant lovers all over Instagram have been posting their own pots of Snake plants. Snake plants are aesthetically pleasing and are easy to take care of. In fact, it was the first plant that my uncle requested for when he moved into his new home.

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They do not need to bask in a ton of light and they can weather different conditions such as drought. Its blade-like leaves come in varying colors and patterns that offer beauty and air-purifying benefits.

#2: SPIDER PLANT

Add architecture and personality to your indoor space by placing a Spider plant. A Spider plant has “spiderettes” or small plants, which dangle from its stems like spiders hanging from a web. These spiderettes can be planted into smaller posts as this plant loves to reproduce.

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Another benefit is its ability to remove harmful xylene, toluene, and formaldehyde from the air. It accomplishes this without harming your curious and beloved pets.

#3: ALOE VERA

Aloe vera is one of my favorite plants because of its multi-purpose applications in the beauty and skincare industry. Although Aloe vera is a desert plant, direct sunlight can create black spots on its leaves. So, keep it away from the sun’s rays. Find a place that can help you take take advantage of its air-purifying benefits such as your bedroom.

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This plant is believed to have similar effects to a combination of air purifiers. Besides being a skin balm, it can also remove microorganisms from our air. Not to mention, its plump leaves can provide a soothing gel for burns and cuts. Allow this succulent to dry completely in between watering. You may water as little as every two to three weeks.

#4: PEACE LILY

Ahhhh peace! Who does not want peace to enter their homes? Native to tropical rainforests, the Peace Lily delights in dim lighting. You can put it in a windowless office or an enclosed bathroom. This will add brightness to your space with its subtle white flowers. Moreover, it removes trichloroethylene gas and ammonia fumes from furniture and paint.

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When this indoor plant has had enough water, it will subtly droop its leaves. This is a sign to move it into a new pot for better drainage.

#5: BAMBOO

Like air plants, Bamboo can grown without soil. Simply place its stalks in a vase full of water with pebbles or marbles at the bottom. If your bamboo starts to grow beyond your first container, just upgrade to a new one without additional re-potting procedures.

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Aside from being low-maintenance, it is capable of providing a higher amount of oxygen in comparison to other types of plants.

#6: RUBBER PLANT

If you have pollen allergies and you cannot seem to hold your sneezes with certain outdoor plants then, you may opt for the Rubber plant. A rubber plant cleanses the air by removing formaldehyde, carbon dioxide, and carbon monoxide. Its flowers and fruits do not grow often when its kept indoors too. Thus, they are perfect for newly painted or renovated flats.

The rubber plant can withstand neglect as it thrives in drier soil. They can be watered only once a week.

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Spruce up your home and purify your air with these forgiving and low-maintenance indoor plants!

Sources: 1 & 2

 

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Online Phishing: Are You A Good Catch?

As the new normal favors the utilization of mobile and other cashless transactions, we are more vulnerable to cyber-attacks such as phishing. While fishing is a delightful act of catching fishes, phishing is a fraudulent act of obtaining sensitive information from individuals.

Phishing attacks obtain sensitive information such as passwords, usernames, and credit card details by disguising itself as a trustworthy entity. You must be vigilant when spotting different phishing traps like the ones on this list.

#1: WEBSITES CAN BE SLIGHTLY MISSPELLED

Have you ever been a victim of a website that looks legitimate, only to find out that you have given your email address to scammers? Domain spoofing is the method of mimicking a website’s domain or creating fraudulent websites such as apple.co instead of apple.com. The cyber-criminal creates a harmful website that looks authentic and some may have the green “secured connection” icon.

Many websites have built-in features to counteract this attack. To increase your safety, you should manually type in the address or the domain name. In the case of an email-based attack, please beware of email headers that appear similar to the company’s legitimate email.

#2: PHISHING ATTACKS CAN APPEAR AT ANY MOMENT

Gone are the days when phishing emails appear as a standalone email. In this day and age, phishing emails can insert itself into an existing email thread. You may be caught off guard and subjected to downloading malicious data and spyware.

For instance, you may be in the middle of a negotiation between business partners. About six emails in, you can get one that prompts you to download a document. Avoid downloading all sorts of malware by checking where the email came from. If anything appears out of the ordinary, always check the email’s sender for your safety.

#3: SOCIAL MEDIA POSTS CAN BE USED TO PHISH FROM YOU

Facebook, Twitter, Instagram, and other social media platforms can be used by cyber-criminals against you. They can create phishing emails or private messages that are related to the context of your posts. Even your LinkedIn profiles, filled with your achievements and your previous workplaces, can be used to create fraudulent emails by disguising as your old boss.

Let us take your Instagram as an example. For instance, you have uploaded your recent stay-cation in a five-star hotel. The hacker may use that against you by sending an email that you “have left this while you were vacationing in the hotel”. You may click the photo and start downloading a malware or spyware. Alternatively, they may ask you for sensitive information to get the item you have supposedly left behind. Notice these giveaway signs to know that there is something “phish-y” going on.

#4: PAYMENT REQUESTS MAY TRAP YOU

One of the most common phishing attacks are in the form of payment requests or statements saying that you have to verify something or that you have failed your last transaction. In this situation, you will be asked to click a link to verify your payment details. They may use your Spotify or Netflix subscriptions as traps. You may even send out your credit card numbers to update your billing information.

You may be a victim of unwanted purchases without your consent. Someone from a different country or area may use your credit card information to purchase an expensive luxury item at your expense. This is why you must answer payment requests with careful authentication. Call your service provider to confirm if the email you have received is genuine. Do not click any email link before you get the clear verification.

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At the end of the day, educating yourself about the different kinds of phishing tactics can help you to secure your personal and business information and to manage ongoing attacks. You need to protect these sensitive information to safeguard your wealth!

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Budget-Friendly Tips For Singaporean Teens

Saving money as a teenager is challenging, especially when your social media is constantly flooded with #OOTD posts. Online shopping is so tempting! Your peers may influence your spending habits too. It is important to note that while saving money is hard, it is not impossible!

WIDEN YOUR KNOWLEDGE

They say that knowledge is power. This age-old statement highlights the importance of handling your own money smartly to make less financial mistakes. Educate yourself by purchasing books on financial literacy, by taking free money courses online, or by asking your parents for advice.

Parents and guardians play an integral role in shaping their children’s financial behavior and attitude towards money. May teenagers rely on their parents to set the right example when it comes to spending. Of course, it is not always easy to navigate the tricky waters of personal finance at this time. Hence, parents must teach their kids about the value of money and notice their spending habits.

KNOW WHERE YOUR MONEY IS GOING

Know where your money is going by downloading a software that can help you note down every single expense. I used to use either Mint or Spendee. Both apps are free.

While you crave for independence, you seek for your parent’s help when you run out of cash. Another way to keep track of your expenses is to allow your parents to view your transactions online. You may discuss meaningful ways to use your extra cash upon sitting down with your parent. Some financial apps such as DBS PayLah! allows the parents to monitor the teen’s digital allowance. It is safer as auto-debit is disabled. Furthermore, teens 16 and under will have a limit of S$999 to reduce the risk of fraud or theft.

USE YOUR STUDENT PRIVILEGES

Your student ID is more than just a representation of a less flattering picture of yourself. It can also get you discounts and promotions from different retailers. For instance, POPULAR bookstore offers student cards to teens. This will enable you to have a subscription of about S$8 for a year and S$20 for 3 years. This membership card includes birthday privileges, complimentary magazines, exclusive invites to members-only events, member’s discount, and more.

Moneys inside a pig

(Image credit: Anders Steen Nilsen, via Flickr)

Getting all the discounts or maximizing your privileges as a student can make saving a whole lot easier. It ensures you can put more of what you make in a safe place until you need it.

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6 Things To Consider Before Panic Buying For Insurance

When the news broke about the Circuit Breaker period and its extension, essential items started flying out of the shelves. The common items hoarded by Singaporeans were face masks, hand sanitizers, instant noodles, and toilet papers. This scenario was played in various parts of the world too. This is why the Government imposed rules regarding purchasing of goods.

Panic buying is brewed by fear. Moreover, it may not lead you to strategic results. Beyond expanding their essential supplies, some people started to buy more insurance coverage. These people are concerned about their hospital bills, if they catch the virus.

Buying the right insurance policies for you and your family is vital at this time. However, panic buying may cause unnecessary waste of time and money. You need an insurance that will cover you when the need arises. Consider these things before signing-up for one.

#1: READ THE FINE PRINT

With the global pandemic, it is up to you to go ahead and pursue your travel plans despite the official travel advisory of postponing it. To safeguard your health, you decided to take a travel insurance. You must understand that not travel insurance insurers are providing coverage in the present moment. Any exclusions can affect you. Check the travel insurance policy!

The same goes for health insurance. You may be supported by a Critical Illness policy that can cover your hospitalization bills, but it may not be for your COVID-19 claim. A CI plan offers a lump-sum cash payment if you are diagnosed with any of the illnesses covered in your plan. Look at the specifications first.

#2: REVIEW YOUR EXISTING POLICIES

Do not buy insurance policies that mimic your previous coverage. Set aside some time to review your previous insurance policies and access your protection needs. Your needs change as you age. You need to ensure that what you are buying is still relevant, especially at this time.

Milestones such as getting married or having a baby can affect your insurance needs. If you can review your insurance portfolio with your Wealth Planning Manager at least once a year, then your needs will be met.

#3: ESTABLISH A ROBUST FINANCIAL PLAN

Incorporate financial protection to your financial plan to ensure that you are covered during the pandemic. You may start with having a realistic budget, putting adequate emergency savings, optimizing your home loan, and maximizing your streams of income.

Do not forget about your financial wellness and estate planning. You will need it!

#4: TAKE MEASURES TO MINIMIZE YOUR HEALTH RISKS

Prevention is better than cure. Risk management goes a long way to help you stay protected. Start by performing seasonal maintenance checks and regular sanitation procedures at home and at your office. If you have a home-based business, consider adding digital shields to protect you from cyber crime.

Lastly, do not forget to sanitize and wear a mask whenever you are out for your grocery trips. Minimize face-to-face interactions whenever possible.

#5: KNOW WHAT THE POLICY DOES NOT COVER

By reading the fine prints, you will be able to read what the insurance covers. The next step is to ask your insurance provider what the policy does not cover. The exclusions may not be explained upfront.

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Do not hesitate to ask. It will save you the stress of discovering additional fees or losses.

#6: ASK IF THEY ALLOW DOUBLE-CLAIMS

Having a hospitalization plan is highly recommended as a basic coverage for many Singaporeans. Hospitalization fees quickly add up, especially if there is a major surgery involved. As such, some people take up more than one hospitalization plans. However, not all institutions allow double-claiming. For hospitalization plans, you can usually claim up to the actual amount spent on your medical treatment. In some cases, you will not be able to claim from another insurer to reimburse each medical expense.

An exception to the rule is life insurance. You can get multiple life insurance policies.

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Keep Yourself Busy With These Brilliant Stay-At-Home Ideas

Not all establishments are opening during Phase 1. This means that many Singaporeans are still working from home. Staying mostly indoors for long periods of time can take a toll on anyone. One way to get rid of the unpleasant feelings you have been having is to keep yourself busy. Here are five stay-at-home ideas that you can explore to spice up your days!

#1: BOOST YOUR CHILD’S ACADEMIC PERFORMANCE

Increase your child’s grades by using technology to your advantage. Distance learning is no longer limited to schools as more enrichment and tuition centers have been opening their doors to modern possibilities. Companies such as 88tuition and ThinkersBox can help your child excel in various subjects.

The former provides video-based learning materials suitable for students from Primary 1 to Secondary 4 for subjects such as Mathematics, Mandarin, and English. The child will be able to take his or her own pace through reviewing and re-watching these videos. The latter provides enrichment classes for kids geared towards enhancing their brain development. ThinkersBox enables your child to concentrate well with its Brain Booster sessions focusing on developing concentration, stronger attention span, and other cognitive abilities. See these websites for yourself!

#2: SPARK JOY IN YOUR WARDROBE

Your routine may consist a cycle of: eat, sleep, and repeat. However, this does not mean that you have to forgo dressing up. You still need do occasional grocery and office runs. Do this in style by de-cluttering and mixing up your wardrobe. Start by cleaning up your closet and searching for items that you can donate or dispose. Get rid of these items. Lastly, you can purchase online to avoid coming in contact with the mall crowds.

Buying your new outfit online is so convenient these days. Virtual Boutiques such as Zalora and Love, Bonito have a wide array of selection. Take advantage of their seasonal promotions such as the previous Chinese New Year sale.

#3: EXPERIMENT IN THE KITCHEN

While following the CB period, my sister unleashed her talents in baking. She recently cooked the most delicious and chewy chocolate chip cookies. She had everyone involved and so can you! Make cooking a family affair or a friendly competition among parents. The two opposing dishes can be judged based on the taste, affordability, and presentation. Who says dining at home has to be boring?

Your family’s routine may have changed due to the pandemic, but you do not have to lead a bland life. Take this time to spend quality moments with your family such as when you cook together in the kitchen.

#4: RE-VISIT YOUR FINANCIAL GOALS

With time in your hands, take this opportunity to re-visit your financial goals. What were you aiming to achieve in the new decade? What were the financial steps that you put on hold, before the pandemic? Browse educational articles online to help you brush up on your financial knowledge or gain new money insights through in-depth research.

You can consider opening a trading account as you begin your investment journey. Or, you may educated your children about the basic concepts of money. It pays to integrate a sense of curiosity in them at an early age.

#5: DO MENTAL CHECK-INS

Mental health is as important as your physical health. Ask yourself, your friends, and family members a simple question. “How are you feeling today?” This question can unlock many underlying issues or problems faced due to the COVID-19 situation. Some people have a hard time sleeping at night. While, others cry due to their anxiety of not going back to work.

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Checking the emotional state of people close to you can show how much you care for them. Allow yourself to experience these complex emotions and know that you will not be in the same state forever.

Sources: 1 & 2

 

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