Products that may help you sleep better at night

Let’s face it. Apart from the warm weather that’s seemingly getting hotter, trying to sleep well during a pandemic is not an easy task. You may be facing a period of uncertainty due to a job loss or trying to strike a work-life balance at home. Longer screen exposures may also be the thief robbing you of some quality shut-eye.

Or maybe you’ve been suffering from insomnia for quite some time now and finding ways to not rely on that sleeping pill. We think you’re at the right place for we will share with you some products that may help you sleep better at night. It may not be foolproof for all, but give it a try and find out if it works for you.

#1: EYE MASK

Exposure to light at night affects your sleep cycle. This has something to do with melatonin, a hormone that directs your sleep-wake cycle. To aid your brain in producing more melatonin, which helps induce sleep, an eye mask might do the trick.

Other than purchasing, you can make your own blindfold using a bandana or cut out fabrics from old clothing. However, be careful not to put pressure on your eyes when wearing one so it doesn’t interfere with your rapid eye movement (REM) sleep. REM sleep contributes to your learning ability, memory retainment, and mood regulation.

#2: ESSENTIAL OILS

Apart from blocking light, it’s also important to give some attention to your sense of smell. This is why some people prefer aromatherapy to directly consuming medicines. Some of the sleep-inducing essential oils you can try using are lavender, vanilla, rose, jasmine, and sandalwood.

Before you start using these oils, do a patch test to see if you’re allergic to it. Simply apply some diluted essential oil on your skin before heading to bed. If there is no skin irritation over 24 hours, then it’s probably safe to use on your body. However, always start with a small quantity to see how your body reacts to it. You can add it to your diffuser, self-made room spray, or directly on your body.

#3: CALM APP

For once, we’re asking you not to put your phone away… not until you’ve downloaded the Calm app. The Calm app is an award-winning app for sleep, meditation, and relaxation. It was Apple’s app of the year in 2017 and Google Play’s editor’s choice in 2018.

Backed by science and ongoing research, you can access a range of resources through the app. There are meditation guides, sleep stories, white noise playlists, and more. There’s no harm in giving the free trial a go and then decide later if you want to pay the subscription fee to continue using the service. If it works, take it as a sleep investment you’re spending on yourself.

#4: WEIGHTED BLANKET

Given Singapore’s summer season all year round, we probably don’t give much thought to the type of blankets we use. But I was spring cleaning recently and noticed holes on my knitted blanket. Time to get a new one, I thought. How about you? Is your 10-year blanket still doing okay or do you need a new snuggly companion?

If you’re thinking of purchasing a new piece, consider a weighted blanket. As the name suggests, it is supposed to be heavy and much effort is required while you’re making your bed. But the benefits outweigh the weight. It apparently helps reduce anxiety levels like you’re undergoing a ‘deep pressure therapy‘.

It has been tested via several studies and has yielded positive results amongst people with chronic insomnia and anxiousness. Recall seeing babies sleeping with a bean bag on their bodies or have personally experienced that before? That’s the concept.

#5: EARPLUGS

If you’re the sort that gets affected by even the lowest level of noises, earplugs would be your saviour. It doesn’t cost a fortune and is reusable to a certain extent. Get rid of even the slightest noises and improve your sleep quality today.

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Get the best bang for your buck on beauty face masks

With face masks being mandatory to wear outdoors, some of us are seeing the negative effects on our skin. Whether it’s skin redness or breakouts, we feel you. Workers in essential services are definitely not having a good time, having to put on face masks for long periods of time.

To give your skin a little treat at night, probably you’ve started stocking up on beauty face masks. Or you were sorting out your fridge and found some loots from the last Korea trip you went. Whatever the reason is, allow us to share with you how to get the most value out of the beauty face masks you’re about to start using.

#1: FOLLOW THE RECOMMENDED TIME

If you refer to the instructions at the back of your beauty face mask, you will probably see the time recommended to put on the mask for. Keep to that.

The experts who manufactured the masks know it best so it’s wise to follow. Some ingredients can cause irritation when allowed to dry on the skin for longer than advised. The last thing you want to do is to spend money harming your delicate skin in the long run.

#2: AVOID USING SEVERAL MASKS AT ONE GO

Apart from beauty sheet masks, there are also masks that come in the form of a gel, cream, or clay. Keeping the recommended time in mind, you should try to multi-mask only when the products have similar usage time. However, if it’s too much a hassle to group them, then avoid it altogether.

Maybe you’ve read that people with sensitive skin combinations should use different types of masks at one time. It may make sense to use a clay mask targeting the T-zone area and a hydrating mask on the rest of the face. However, here comes the problem.

Considering the time it takes to dry, a clay mask would definitely be faster compared to its counterpart. Leaving the drying clay mask on for too long might cause wrinkles. This defeats the purpose of using it in the first place. You don’t want to be throwing your money into the bin.

#3 KEEP UP WITH THE ROUTINE

Too little or too much of something doesn’t always work. Be consistent in your beauty face mask routine if you want to reap the benefits and get the most value out of what you’ve spent.

The frequency? Again, follow the instructions written on the product. Some series require you to only have it on for once a week, while others may advise you to do it at least two to three times a week. It really boils down to individual brands and your skin’s reactivity to the ingredients.

Most importantly, what works for me may not work for you. To get the best bang for your buck on beauty face masks, stick to the rules.

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Travel affordably with virtual experiences from the comfort of home

Travel enthusiasts are probably suffering the effects of not being able to travel internationally at the moment. With the ongoing pandemic, no one can predict when planes can take off normally again. However, this doesn’t mean that we simply stop travelling altogether.

For those who can’t wait to get out and start seeing the world again, we’ve got you. Take a look at these virtual experiences where you can travel affordably right from the comfort of home. Sure, it won’t be the same as stepping onto an unknown land, seeing the sights, and hearing the sounds, but let’s be contented with this for now. Shall we?

#1: WINCHESTER MYSTERY HOUSE

We will start the ball rolling with Winchester Mystery House, a mansion located in San Jose, California. It is part of the history of Sarah Lockwood Pardee Winchester, a lady who underwent tragedy with the death of her infant daughter and husband.

The eight-room farmhouse she bought and had it renovated from 1886 to 1922 remains a mystery today. Rumour has it that the Winchester Mystery House was built because Sarah Winchester was motivated by supernatural powers and haunted by ghosts.

Curious? See for yourself through a video access tour from 8.34 SGD (5.99 USD) or tread through the grounds with their immersive 360° tour for 12.52 SGD (8.99 USD).

#2: SAN DIEGO ZOO & HOUSTON ZOO, USA

Not so much a fan of scary things? How about some cute and cuddly animals? What’s more, you don’t have to pay a single cent watching these animals online. It’s an instant mood lifter too!

Both San Diego Zoo and Houston Zoo have kindly provided live streams and videos of their lovely animals going about their day-to-day activities at their various habitats. Whether you’re keen on observing the majestic tigers, laze with the pandas, or join the giraffes during their feeding time, there’s something for everyone.

#3: AIRBNB ONLINE EXPERIENCES

You can sort the list of Airbnb online experiences based on the price. We did a quick check and for less than 10 SGD, you can learn how to make Indian snacks and tea, admire the street art of Buenos Aires, or attend a piano meditation concert in Paris.

In fact, there’s so much more you can do with Airbnb’s online experiences with activities starting from 2 SGD. They are adding more to the list as more travel hosts come on board to offer their expertise. We’re sure you will find something that interests you.

#4: THEME PARKS

Theme park fans can rejoice as you relive your favourite rides from popular theme parks. The Coaster Views on YouTube has uploaded playlists of theme park rides and we’re loving the range of what’s available for viewing.

Alternatively, you can follow Virtual Disney World for a variety of interactive 360º videos of everything related to Disney. Go on an adventure with Peter Pan’s Flight, tour the Star Wars Galaxy’s Edge at Disney’s Hollywood Studios, and riding the Disney Skyliner… we’re just scratching the surface by naming some.

Best of it all, it’s free.

#5: GOOGLE ARTS & CULTURE

Visit the Google Arts & Culture website and you can access free content curated by partner cultural organizations around the world. It’s also available to download as an app on the Google Play Store and App Store.

Thanks to this online platform, we could enjoy incredible views from the top of iconic landmarks. This includes buildings such as Tokyo Tower, Christ the Redeemer statue in Rio de Janeiro, Brazil, and The Eiffel Tower. Via the street view, you can also explore European heritage sites like the Leaning Tower of Pisa in Italy and the Palace of Versailles in France.

Your access to the world is literally within a few clicks right from the comfort of home.

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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.

Image Credits: unsplash.com

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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