Want Healthier Hair? Pay more attention to your scalp

Healthy hair and non-greasy scalp is the goal that many people want to achieve. Nothing beats the charm of a lustrous hair and oil free scalp, with that you can style your hair and look great in any way you want it.

Healthy hair and scalp are difficult to maintain as they tend to get exposed to chemicals and pollution. But with advanced technology at TK Trichokare, fighting an unhealthy scalp has never been this easier.

Trichology – A Scientific Approach to Hair Care

Trichology is the medical term for the study of the health of hair and scalp, and a trichologist is someone who specialises in hair and scalp problems.

Did you know that the word Trichology comes from the Greek word “Trikhos” which means hair?

A trichologist often takes a holistic approach to treating your hair problems by considering your lifestyle, diet and general well-being, and then recommends lifestyle changes you should take to improve your scalp’s condition.

Trichologists treat wide range of common hair problems, such as thinning, breakage, shedding and dry or itchy scalp.

Combing Science with Nature

European herbs are known to be beneficial for your skin and are often used for its medicinal properties. Did you know, they are also beneficial for your scalp and hair growth?

Uniquely formulated with pure bio-extracts, TrichoKare European Herbal Hair Remedy is specially tested and prepared under stringent laboratory standards to fit all hair and scalp conditions. At TrichoKare, hair remedies are extracted carefully from European plant actives right from Nature’s source, so that you can indulge in the gentle care that these herbs bring while being free of harsh chemicals.

Premium herbs are used to strengthen hair follicles, darken your hair and for treatment in hair loss. These include:

Sage

Sage is known to use for treating inflammations, strengthening immune systems and skincare. It is also known as sage moisturise and darken hair that aid in hair loss prevention and dandruff treatment.

Nettle

Nettle is mainly used to help detoxify the body, promotes healthy blood circulation and alleviates allergic reactions. You may have heard that it also helps to nourish hair follicles and encourages healthy hair as it is effective in hair loss treatment.

Aloe Vera

Aloe Vera is commonly present in skincare products but are you aware that they are also used for hair treatments? Aloe Vera is used to improve blood circulation under the scalp and deliver nutrients to the hair follicles.

“Only went for one treatment, I am amazed by the difference in my scalp condition. Say goodbye to itchy scalp, thanks to TK Trichokare for their effective customized hair treatment. I have tried many off the shelf products but none seems to be working for me. But with one treatment at Trichokare, the results are immediately visible.” – Kim, a satisfied customer of Trichokare

Intensive Hair Regeneration Treatment

Intensive Hair Regeneration treatment is a customized programme offered by TrichoKare that is tailored to each individual need, which includes a detox session involving a masque, deep cleansing wash, and TrichoKare’s newest technology – Oxyspray and infrared therapy.

The Intensive Hair Regeneration helps prevent hair loss, stimulate hair growth and promote cellular activity.

Favoured By Many

With over a decade of experience, TrichoKare has established their credibility promoting healthy hair growth, preventing hair fall and hair loss, with public figures such as Xiaxue, Jaynesh and Anand experiencing first-hand their services.

For a Limited Time only –
Try out TrichoKare’s Award Winning Intensive Hair Regeneration Treatment @ $40 NETT + FREE Tricho Tech + FREE FolliGRO Ampoule (total worth $758).

P.S. Did I mention that you can stand to win 2D1N staycation at MBS (worth $680), after your trial treatment?

Visit http://tk-hair.com/mdmay/ to sign up for this exclusive deal now!

 

 

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Essential Tips On Finding The Right Loan For Your Needs

You have a stable job right now, but since you’re thinking of embarking on a new business soon, you’ll need to acquire a loan. You need the money to purchase your supplies, to hire people and to market your business’ existence. And while you’re certain that you need a loan for this endeavour, you still don’t know how to actually to find the right loan for your needs. In your mind, you think this decision is crucial because the success of your business relies on it – and you’re right. To help you out with your dilemma, consider the essential tips below to find the right loan for you:

  1. How much do you really need?

Just because a lender offers you a loan worth thousands of dollars, doesn’t mean you should take it immediately. Keep in mind that the bigger amount you borrow, the bigger your payments will be – and this can become an issue if your business isn’t as successful as you’d like it to be. On the other side of the coin, if your loan is too small, it might not help you in any way, and you’ll end up paying for high-interest rates. To avoid being placed in this kind of situation, carefully think how much you need for your business and look for a lender which can give you that amount.

  1. What is the interest rates?

Aside from the loan amount itself, you should also consider the interest rates associated with it. Is the lender offering you the amount you need but has very high-interest rates? Are there any lenders in the market who can give you a lesser interest rate? Think about these things first before choosing a loan. It’s also essential to ask the lender if there are any other fees or penalties to be paid after you received the loan. All of the processes involved in the loan should be transparent to you to avoid problems in the future.

  1. What’s the term?

Different loans have different terms. Some loans can be paid for six months while others, in ten years. Since you’re still starting a business, it might be best to settle for a loan which will require you to repay within an extended period of time. This will allow you to save up for the interest rates and the loan, without putting your business’ operations at risk.

Aside from the things you’ve read from this article, it’ll also help if you can actually work with experts when it comes to finding the right loan for your needs. Places like oinkmoney.com may be a good starting point.

Be A Responsible Borrower

Finding the right loan for your needs is never easy. There are several things to think about to come up with the best possible decision. You also have to keep in mind that your responsibility as a borrower doesn’t end the moment you receive the money – you should pour in your time and effort in order to pay all of these in time. If not, your life may be affected negatively. Remember all the things presented in this article, and for sure, you’ll come up with a decision on which loan to get without compromising your financial health in the long run.

Sarah Porter

Sarah Porter is a money-savvy writer and mum of two based in Manchester, UK. She is the Brand and Marketing Manager at the UK loan website Oink Money (oinkmoney.com), as well as the founder of a well known money-saving website. Sarah is originally from Edinburgh where she studied Business and later worked in finance for a FTSE 100 company. She left her career in finance to pursue her passion for writing, a move which allowed her to travel the world with her laptop while running her blog.

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Easy Investing into Property backed Secured Crowdfunding

For the newbies, debt crowdfunding is a concept where borrowers (usually SMEs) approach a crowdfunding platform for loans funded by a pool of investors. Investors earn interest, paid by borrowers, as returns on their investment. Investments are open to individuals as well as corporates with a minimum amount going down as low as $50 for smaller loan amounts.

Funding Societies, licensed and leading crowdfunding platform in Southeast Asia, backed by SoftBank Ventures Korea and Sequoia Capital, has recently introduced Property backed Secured Loans to its pool of more than 50,000 investors, providing them with more diversification opportunities. This is the third product Funding Societies has introduced since Business Term Loans and Invoice Financing.

What are Property backed Secured Loans?

Property backed Secured Loans are loans taken by companies who have pledged a local property as a form of collateral against the loan. These are local properties owned by the companies and/or Directors of the companies, and can be Residential, Commercial or Industrial. The loan amount is capped at 70% of the property value determined by independent valuers.

As an investor, you can start investing from $1,000 in this secured crowdfunding product

Why should you be excited about this product?

It is secured by property as a collateral: Funding Societies (FS) takes the first charge on the property, i.e. In the event that the property needs to be liquidated to repay the loan, FS will have the first right to access the cash after it is auctioned. Given the 70% Loan to Property Value (LTV), there is enough buffer against fluctuations in market prices that result in properties being devalued.

It’s a short-term investment: The loans are typically up to 12 months’ tenor

Fair returns for a lower-risk product: You can get up to 8% p.a. returns in your investment

Additional Diversification:Existing crowdfunding investors now have a secured loan product to further diversify their portfolios. New investors who have not invested in crowdfunding can take this opportunity to start investing.

What happens if a borrower misses out on repayments

In the case of repayment by borrowers, FS will liaise with borrowers on behalf of investors for collections. If the loan reaches defaults (defined as 90 days past payment due date), Funding Societies will pursue legally to auction the collateralized property. Proceeds from the auction will be used to repay the investors and any excess will be returned to the owners of the property.

In the rare scenario where proceeds from the auction are insufficient to repay the loan, Personal Guarantors (usually Directors of the company) and the borrowing company will be liable for the outstanding due.

TL;DR (Too Long; Didn’t Read)

Given that there is collateral security in the form of a property, Property backed Secured Loans become more secured and typically lower risk compared to other crowdfunding investment products.

For those with a lower risk appetite but still want to potentially earn a return of up to 8%, the Property backed Secured Loans is a product for you to diversify your portfolio in.

Limited Time Promotion: Receive $20 Cashback!

From now till 15 June 2018, sign up as an investor and invest at least $1,000 to be eligible for the $20 cashback. That’s an upfront 2% cashback on your investment!

Here’s how to claim the cashback:

Step 1: Sign up for your new investor account on www.fundingsocieties.com.

Step 2: **IMPORTANT!** Enter MDMAY in the Promo Code section.

Step 3: Complete your registration and activate your account.

Step 4: Invest at least $1,000 before 15 June 2018. Investment can be in one loan or across multiple loans.

Eligible investors will be notified via email of their within one month from the end of the promotion.

This article was first published on Funding Societies’ blog.

Disclaimers:

This article is contributed by Funding Societies.

It should not be construed that Moneydigest is endorsing this article or any of the products and services provided by Funding Societies.

Nothing in this article should be construed as constitute or form a recommendation, financial advice, or an offer, invitation or solicitation from Funding Societies to buy or subscribe for any securities and/or investment products. The content and materials made available are for informational purposes only and should not be relied on without obtaining the necessary independent financial or other advice in connection therewith before making an investment or other decision as may be appropriate.

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4 Money Attitudes That Can Cost You

Our attitudes toward money affects our financial circumstance. I am not saying that your mere fondness over money will lead you to earning more. Your money attitudes dive beyond your wants. Money attitudes influence how you approach a situation and make your financial decisions.

On that note, here are 4 money attitudes that can potentially cost you:

#1: I HAVE POOR MONEY MANAGEMENT SKILLS

As a finance columnist, I noticed how people differ in handling money. Others write down every little detail of their spending. While, some people believe that they are not good with handling money. This negative attitude towards money shuns opportunities to learn about money management.

Educating yourself about the dynamics of money is important. Your eagerness to wide your knowledge will fuel improvements. Start by reading books and articles on Personal Finance.

Replace Your Negative Attitude With: “I have the ability to learn more about money management.”

#2: MY SELF-WORTH DEPENDS ON MY NET WORTH

It goes without saying that our fast-paced society welcomes symbols of status. When a woman shuffles between different designer bags in the workplace, spectators perceive her as someone with sophistication and wealth. When a woman carries “lesser known” bags, she is seen as someone who is less wealthy.

Why is this skewed ideal so prevalent in our society? Perhaps, modern technology has something to do with it. Nonetheless, this tendency to match self-worth with net worth can potentially harm one’s mental health.

Replace Your Unhealthy Attitude With: “My self-worth depends on the acceptance and understanding of myself.”

Image Credits: unsplash.com

#3: MONEY IS SOLELY FOR SPENDING

Believing that money’s sole purpose is for disposal can lead to mindless spending or debt! Spending your hard-earned cash on lavish or delightful things every once in a while is acceptable. However, you must not overdo it! Make room for savings and investments.

In order to create financial abundance, you must save and allocate your money efficiently. Spending beyond your means will never lead to financial abundance!

Replace Your Exaggerated Attitude With: “The money that I do not spend increases my wealth.”

#4: THE RICH GET RICHER

“The rich get richer and the poor get poorer” is an aphorism that highlights our economic inequality. Let us be honest! Some people are not born with a silver spoon. But, they can do something about it!

Boxing yourself to a certain economic stature limits what you can achieve. You have a choice to take control of your life. You can improve your financial situation as long as you do not give up.

Replace Your Magnified Attitude With: “My financial present and future is entirely up to me.”

Sources: 1 & 2

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Couple’s Guide To Essential Money Values

It is no secret that many individuals aim to grow their wealth. Building a “healthy” relationship with your finances is vital in controlling it. Now, how does one begin to achieve this type of financial relationship? For starters, you must review the basics.

Money values, consisting of internal and external factors, influence your attitude towards money. It can help mold your life decisions too! For instance, a person who values foresight may build a robust retirement plan as early as 30.

Your money values are deeply rooted in your personality. Long before you met your partner, you have developed values surrounding money. Studies suggest that we inherit values, beliefs, and attitudes about money from our parents and other family members. It is important to discuss these money values when entering a romantic relationship.

Image Credits: pixabay.com

Unfortunately, couples rarely talk about their financial values and goals. They see this subject as a restricted topic fueled by social custom. However, it is never too late to have this financial conversation! Talking about your money values is the first step to syncing your financial plans. Start by discussing what your parents taught you about money as well as your financial goals. Having this serious discussion prevents conflicts, which came from differing money values.

In your discussion, consider creating a list of your money values. Here are some of the examples: Value of Time, Openness, Resourcefulness, Honesty, Patience, and Generosity.

Image Credits: pixabay.com

Encourage an flowing conversation whereby each of you will share about your list of money values. Understand each other’s point of view by highlighting the similarities and differences. Afterwards, choose the “top three values” that are important to the both of you. Work with these values to reach your goal.

On the opposite end of the spectrum, your financial discussions may become heated. Pause the conversation and revisit the issue later on. When it comes to money, it is difficult to always see eye to eye. Take a time out. With open communication and understanding, you can devise a plan to reach your shared financial goals. Good luck!

Sources: 1 & 2

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