4 Ways to Avoid Personal Loan Common Scams in Singapore

It is never a good feeling to become a victim of a scam. You would wish you never dealt with the lender. Also, you will never get your money back which is what a good scammer will do. Here is how to avoid a personal loan scam:

Research on the Lender
Better check out what the lender’s past clients had to say about them. If it was not good, you should not be going anywhere near them. There are a lot of websites that provide unbiased reviews about various lenders so take the time to read each one of them. Besides, it won’t really take you long until you have reached the point of whether or not you would want to do business with them or not. When that happens, you know you are going to be pretty confident about your decision.

 

Get a Second Opinion
Ask any of your friends if they dealt with the lender. You would not want to become a victim of any type of scam. You can post on your Facebook feed and find out which among your friends did business with them. If nobody did, check out Facebook groups as there will surely be someone there who dealt with them in the past. When you find someone, you better ask that person a lot of questions. Don’t think about disturbing that person since you know you are doing it for the safety of your finances.

 

Deal with a Renowned Lender
The wise thing to do here would be to deal with a renowned lender. You are going to rest easy knowing you made the right call. Besides, you are going to take a big risk when you deal with a lender who does not know his way around the industry. This company may not even have a set of rules on how you are going to repay the loan yet. It may result in a lot of confusion and you may even get scammed accidentally. That will never happen if you choose to deal with a lender that gained a reputation of being a good lender all over the world.

 

Too Good to be True
When the details of the loan are too good to be true, you know something is up. It does not take a rocket scientist to figure out the deal is going to be bad. They will surely have something planned so better stay away from a deal like that. It is alright to pay your lender in a timely manner instead of doing it little by little that may take a little longer than expected.

 

Now that you know how to avoid persona loan common scams Singapore, it would be in your best interest to spread the word. Besides, you would not want any of your friends to suffer a dastardly fate. Believe it or not, there are a lot of personal loan scammers out there just waiting to pounce on the right victim. Times are tough nowadays so everyone is thinking of various ways to get income. One lender that is surely not a scam is Max Credit as they have gained such an awesome reputation over the years for payday loans online.

What are the Best Personal Loan Providers in Singapore?

There will be a time when you need fast cash for an emergency. It will happen at a time when you least expect it. Unfortunately, you are going to realize that you would have no choice but to borrow money from a loan provider with added interest. Good thing, there are a lot of companies engaged with this type of business. You would just need to choose the one that interests you the most. It is impossible to choose more than one lender no matter how much money you need as they will eventually find out. Here are the best payday loans for Singapore providers to choose from:

 

HSBC
HSBC is a well-known bank all over the world so the last thing they would want to do is to disappoint you. In fact, they have a huge building right in the middle of the Singapore business district. You won’t have a hard time going there when all is said and done. Their interest rates are pretty competitive and they have satisfied a lot of people who have applied for a personal loan from them. Believe it or not, the longest loan duration can last as long as 7 years. Yes, it can take you that long to repay the loan. If you don’t mind having a loan that long, then apply here.

 

Max Credit
This is the best personal loan provider in Singapore due to the fact that they have an awesome customer service team. They will be more than happy to explain to you the rules. They are potentially recognized as one of the most positively reviewed loan providers in the country. In fact, Singaporeans though they are easy to deal with and they don’t put you into a great deal of pressure like other loan providers. It is no surprise how they have gotten a lot of positive reviews from their past clients. They are very passionate about what they do and they love seeing smiling faces on their clients.

 

Citibank
Citibank provides a loan minimum amount which works if you don’t really want to loan that much. The other loan providers would force you into being locked up for a huge debt but that is not the case with Citibank. In fact, they are popular all over the world because of how they guarantee ultimate customer satisfaction. You know they would want nothing more than for you to be satisfied with the loan you applied for. After all, you would not be excited about paying it back but they don’t want it to be much of a burden.

 

Now that you know who the best personal loan providers Singapore is, it is now time to choose one of them. You must choose the one that suits your situation the most. Yes, better take a good long look at each one so you won’t be frustrated when you pick the wrong one. After all, you may end up regretting your choice when you do that. Better look forward to a nice transaction.

Reasons To Give Surprise Flower Bouquets

If you don’t know what kind of gift to give, you can always resort to giving flowers. Flowers are a universal symbol. And people have been giving flowers for generations as a sign of love and affection. And if you’re still not convinced about the benefits of flowers, here are the reasons to give surprise flower bouquets.

 

It’s a mood-booster

 

Giving surprise flower bouquets is a good way to improve a person’s mood. Flowers have a way of making your day better. Even if you’ve had a bad day, when you see a bouquet of beautiful flowers on your desk, it can easily turn your day around. So if you know someone who is not having a particularly good day, week, or month, then maybe all that is needed for that person’s outlook to brighten is a bunch of flowers. Don’t wait for an occasion to give someone a bouquet of flowers. Any day is a good day for a nice bouquet.

 

It can be a relaxation aid

 

There’s scientific evidence that flowers can help people relax. You can try it yourself. The next time you’re feeling stressed, try going to a flower shop and observe the effects. Many health experts actually advise people, especially those who are prone to stress, to always have flowers in their homes. It’s not only the sight of flowers that can induce relaxation but also the scent. Remember the saying, “stop and smell the flowers.” It’s a reminder that when life becomes too busy, we should stop and appreciate the beauty of nature. Giving someone a bouquet of flowers is like giving that person the gift of nature.

 

It can improve air quality

 

If you always find yourself suffering from allergies then maybe the air that you’re breathing is the culprit. If moving is not an option and if buying an air purifier is out of your budget, then you can simply get a bunch of flowers. It has been scientifically proven that flowers can improve the quality of the air we breathe. Flowers can even remove toxins from the air and increase the oxygen level in your home. So if you know someone who can benefit from improved air quality, then it’s a good idea to give that person a bouquet of flowers.

 

It’s a perfect gift

 

There’s always that someone in your life who seems to have it all. These are the people who are financially-successful and who are not lacking in any material possessions. It’s hard to think of a perfect gift to such individuals. But flowers are always a great option as a gift. Even if the person is not particularly fond of flowers, he or she will surely appreciate the thought behind it. And the fact that it will be a surprise will make the gift more special. If you go to a reputable flower shop such as Floristique, they can help you pick the right flowers. They also have plenty of options. And if you can’t personally go to the shop, you can just call them and have it delivered directly to the person.

Things to Consider Before Choosing Carpentry Services

Everyone wants their home or workplace to be well-decorated. Many people try to make it impressive by increasing the overall look of the home or the workplace by adding wood items. Wooden furniture has its unique essence which can never be compared with any other materials. Choosing good wooden furniture is quite difficult. For making wooden furniture and other wooden related arts, you must hire the best carpentry services in Singapore. No matter whether you are renovating the whole house or workplace or installing little furniture, you can increase the overall look of the place by hiring a good professional from the best carpentry services Singapore.

 

With so many carpentry services providers across the city, finding a good carpenter has become very difficult. If you want to choose a good carpenter then you should read the following points.

 

Custom Carpentry Service

You should find a provider who will give you customized carpentry services. No matter how big or how small the project is, you should ensure that you hire someone that will give you every type of carpentry services at affordable rates. You should do a little research work from your side as doing some research will be helpful for you in getting the best carpentry services in Singapore.

 

Search Online And See Their Ratings and Reviews

Reviews play a significant role when you are finding a carpentry contractor. You will be able to see the profile of the company and its market reputation through ratings and reviews. You can also know about their previous customer’s reviews as they are someone who can give you all the necessary information about the carpentry contractor. Apart from the above-mentioned benefits, you may also be updated with the current rates and estimates of the company. You can also contact their previous customer and know about the working of the company (from rates to time taken by them).

 

Latest Technology

It is very necessary to find out whether the company employs the latest technologies or not. You should hire someone that is well equipped with all the modern instruments and tools as they ensure quality work. You should how familiar are they with the technologies.

 

Price Quote

Last but not the least; you must ensure that you have the best possible carpentry services in Singapore at good rates. You should never rely on the first company you have talked with. You should go to many companies as possible and get their quotes and compare their prices before you make any choice. This would be helpful as you might get someone that offers the best services at competitive rates.

 

If you are planning to increase the beauty of your house with wooden furniture then following the above-mentioned points will get you the best carpentry contractors. If you get the best contractor then the overall work will be done in the most efficient and sophisticated manner. You should be very careful while you choose the best carpentry services and you must remember that only the carpenter is responsible for the overall work.

Factors in Choosing a Licensed Fast Cash Moneylender Singapore

There will be a time when you need fast cash for a personal emergency. Hence, the next thing to do would be to choose among the many lenders in Singapore. You must be careful as it is important to get a deal that is beneficial for everyone involved. Here are a few factors to consider before choosing a licensed fast cash moneylender Singapore:

 

Additional Fees
Other than the interest rate, you will need to pay additional fees and there is nothing you can do to stop that from happening. Documentation fees is one common thing that pops up and it is for the printing of the contract. You know you won’t be able to get the money if there is no contact. Another would be the legal fees since you need to have the contract approved by an actual lawyer. The lesser additional fees there are, the better it would be for the borrower.

 

Past Testimonials
Look online for what the lender’s past clients had to say about their services. If most of them were good, you will conclude right away that the transaction will go along smoothly. If the reviews are mixed, only you can decide if the good parts outweigh the bad ones. Good thing, there are a lot of websites that supply unbiased reviews. There are even a lot of people who would love to tell you the experiences they had with lenders since it won’t take long to make a review anyway. You may even ask it from the lender. If they are proud about their client testimonials, they would not have any problem showing those things to you. Some may be short but some are pretty long.

 

Penalty Rates
If you pay late for whatever reason, you would need to pay a penalty. Hence, it is important to avoid being late as much as possible as that would lower your credit score. You must make it a good one so that it would not be a problem to borrow from lenders in the future. Also, you should know that they won’t accept any excuse for being late even if it is another personal emergency. Better prioritize paying the loan on time. In fact, it would be better to mark it in your calendar so you won’t forget the date you are supposed to pay it. It may be in the near future and you forgot all about it.

 

Once you have looked at all the possible scenarios with regards to the factors of choosing a licensed licensed fast cash moneylender Singapore, it will only be a matter of time before you make your ultimate pick. You can make a small list of lenders then trim them down according to your preference. The ultimate deciding factor here will certainly be the interest rate as it would be important for it to be as low as possible. It is also possible for the minimum and maximum amount you can borrow from the lender to also be in play.

Is cancer common in dogs? Know the causes and treatment options

Taking care of your dog is your priority because you want him to be happy and healthy, but there are certain illnesses that affect dogs and you will need to make sure that you are taking the right steps for preventing the issues from affecting your dog.

Among diseases, cancer is affecting a large number of dogs, and as a dog owner, you will need to find out how to prevent it before it strikes. This is especially important because cancer is a deadly disease but timely intervention and treatment will prevent cancer from affecting your dog.

There are certain types of cancer that are very common in dogs which includes cancer of the cells lining the blood vessels, bones and white blood cells as these cancers might even lead to sudden death of your pet. You will need to take strict measures for preventing the growth and development of cancer cells if your dog has not been following a healthy diet.

It has been seen that cancer affects one out of two dogs. While some sources say you should avoid vaccinations in dogs because it causes disruption in the immune system of the dogs, we highly encourage you from getting him/her vaccinated regularly. Or at least, visiting the vet to see if there is any vaccination needed. One such vet is RehabVet, and you can check them out here: https://rehabvet.com

Food-wise, there are certain foods that are also known to prevent and stop the growth of cancer cells and you should increase the intake of these foods as precautionary measures.

Making sure that your pet maintains a healthy weight because being overweight also increases the chances of cancer in dogs.

Conclusion

In conclusion, cancer may be a common killer for your animal best friend but if you know how to prevent and anticipate its arrival, you will not be as lost or stressed when your dog needs palliative care the most.

“I want to See Leona Grow Up and Get Married”: Josefina Amparo Hosena, a Remarkable and Dedicated Domestic Helper, who cares for little Leona.

As a baby, Leona Heng could barely move a muscle when Ms Josefina Amparo Hosena, 40, came to work for her family. Leona, now 3, had been diagnosed with Edwards’ Syndrome, a potentially life-threatening condition which disrupts children’s development. Leona had just undergone a complex surgical operation when Josefina joined the Heng family.

She recalls feeling apprehensive due to Leona’s fragile condition. She overcame that by learning attentively, mastering the precise requirements for Leona’s feeds using PEG tubes and ways to aid her development. Noting Leona’s stillness at night, Josefina offered to have Leona sleep with her. Taking the initiative to place Leona in different sleeping positions, this helped develop Leona’s neck muscles.
Mr and Mrs Heng’s confidence in Josefina is exemplified by their having returned to the workforce and entrusting Josefina to care for Leona by herself. Josefina travels to Leona’s school by public transport when her parents are unable to drive them there. Josefina travels one hour by MRT with Leona in a stroller while carrying three bags with feeding and other equipment for Leona. She waits to board a less crowded train and focuses fully on Leona during the journey, taking in stride people staring and commenting at them.

Josefina is creative, resourceful and exercises initiative all the time. As Leona is prone to vomiting after meals due to gastric reflux, Josefina distracts Leona by creating sounds to distract Leona from her impulse to throw up. Josefina shows genuine love and devotion for Leona; as she willingly sacrifices her weekend time-off to spend time with Leona and her sister Leia.

She emotionally recalls an upsetting time when Leona was admitted to hospital in critical condition. It was a full two minutes before she started breathing again. Josefina screamed as the doctor was unable to attend to Leona immediately. She recalls felt tremendous relief when Leona was finally transferred stable to the ICU. “She came back to us,” Josefina recalls with tears of joy in her eyes.

Josefina concedes it would be much easier looking after a typical child. But caring for Leona and seeing her develop has been life-affirming as she is making a significant difference in a very special child’s life. One she cares for like her own. The Heng family truly cherish having an angel like Josefina in their home.

“He is Someone I am Very Very Proud of “: The Story of a Sister, Lim Shu Ling Sherry, Caring for Her Brother who has Down Syndrome.

Ms Lim Shu Ling, Sherry, 29, is the elder sister of Lim Kian Say, 26, who has Down Syndrome. Sherry is very involved in his life although her parents are the main caregivers. She represents the family at DSA (Down Syndrome Association) events and alternates with her parents to accompany Kian Say for lessons and activities.

Kian Say is currently undergoing training for employment in MINDS – Employment Development Centre. Although Kian Say is ‘high functioning’ and does not require assistance with ADLs (Activities of Daily Living), he requires a companion when going to unfamiliar places. Sherry devotes time on Saturdays to send Kian Say for bowling lessons while her mother fetches him home.

Sherry describes her relationship with Kian Say is being very close. They speak nightly when she returns home from work as she welcomes Kian Say into her room to chat about his day. Sherry has fully embraced caring for Kian Say and has never considered him a burden. She admits that she has been shaped by the experience to being a patient person. Sherry’s concern about Kian Say’s future has influenced her decision to purchase a 5-room flat as her matrimonial home, so that her home will be big enough for her family and Kian Say as well.

Sherry has become an ardent advocate for people with Down Syndrome and special needs. She often brings Kian Say out and introduces him to her friends so that they learn more about such congenital conditions. She is hopeful that with growing acceptance of people with special needs in Singapore, more can be done to be a more inclusive society.

Sherry intends to harness her status as an award recipient to advocate for people with Down Syndrome especially. She is keen to nurture ‘high functioning’ people with Down Syndrome like Kian Say to be paired as buddies to ‘low-functioning’ ones. Sherry feels that such initiatives will benefit those who are ‘low-functioning’, as well as people like Kian Say, who will gain the satisfaction and affirmation in giving to others in the process.

For her passion in advocating for people with Down Syndrome, Ms Sherry Lim intends to be an inspiration to many in the special needs community and beyond.

“We have a Great Family”: Single Mum Kamisah and her Older Children (Firdaus and Nadrah) Will Overcome Any Caregiving Challenges for her youngest son, Putra.

Single-parent Mdm Kamisah brought up her 7-year old son, Putra, who is quadriplegic and has visual impairment, whilst caring for her two older children. Today, she is very proud of her close-knit family, especially at how her two older children, Firdaus,19, and Nadra,14, help shoulder the responsibility for Putra’s care and well-being with her.

Mdm Kamisah’s family works as a team, with everyone playing their part. Firdaus sends Putra to Rainbow Centre in the morning while Mdm Kamisah works the night shift at a factory. She fetches Putra home after school ends. Nadra plays with Putra when she comes home from school while her mum rests or cooks, and listens to songs with Putra to keep him engaged. Firdaus took a part-time job at a restaurant to help support the family. Asked how he balances caring for his brother with studying and time with friends, Firdaus concedes to struggling with it. He says, “You need to let go of your own fun time as family comes first”.
Things were not so harmonious when the family faced trying times in earlier years. Because Putra was from Mdm Kamisah’s second marriage, Firdaus and Nadra found it difficult accepting him as their brother. Things got worse after her second husband left the family. Firdaus and Nadra struggled to understand how Putra’s birth father could abandon him.

Mdm Kamisah remained steadfast in commitment to the family. She emphasised the importance of loving and supporting each other despite the odds the family faced. It was Mdm Kamisah’s strength and devotion to her family that moved Firdaus and Nadra. They learned how they could engage Putra and contribute to his learning and development. The arguments lessened with their acceptance of Putra as their own brother as they fully embraced caring for him in their mum’s absence.

Mdm Kamisah is an exemplary role model to her children. She consider her children her best friends. Both show maturity uncommon for people so young. Firdaus attributes his sense of responsibility to a realisation that he needs to care for the family, as no one else can or would. Mdm Kamisah says Putra has taught her to be strong. Her determination, resilience and willpower has rubbed off on her children, who reflect an optimism about life and unstinting love for their brother Putra whom they had struggled to accept when he was first born.

For Better for Worse, for Richer for Poorer, in Sickness and in Health, to Love and to Cherish, till Death Do Us Part: The Touching Story of Mr Poh Khuat, 76, who is Caring for his Wife living with Dementia.

Mr Poh Khuat, 76, is sole caregiver to his wife of more than 40 years, Mdm Kang, who was diagnosed with Alzheimer’s Disease more than 9 years back. Although Mr Poh was himself recently diagnosed with Stage 2 Lung Cancer, he remains single-minded in his desire to personally care for his wife, bouncing back into action within a short time after undergoing chemotherapy himself. The couple have 3 daughters and 1 son who do not live with them.

Despite his wife’s inability to walk or to recognise him since 2016, Mr Poh has taken this setback in his stride as he accepts the loss of function was inevitable. He remains stoic and committed to ensuring that Mdm Kang knows that she is being cared for and loved by him. Despite having hurt himself before when lifting her, he insists on personally caring for Mdm Kang as long as he is physically able, deferring suggestions to admit his wife into a nursing home.

Mr Poh has been outgoing and resourceful in seeking ways to keep his wife socially engaged. The couple have attended Memories Café at the Alzheimer’s Disease Association (ADA) regularly since it was initiated in 2016. He took pains to learn how to record video clips on his mobile phone in order to help Mdm Kang reminisce the activities she enjoyed at Memories Café. Mr Poh’s devotion to Mdm Kang and his gentle manner with others has touched fellow caregivers, volunteers and staff at ADA as well. They have been inspired by his patient and loving manner with his wife, as well as his generosity of spirit to engage other seniors with Alzheimer’s at the ADA Memories Café sessions.

Mr Poh’s resilience and patience in the face of Mdm Kang’s challenging behaviours stems from his full acceptance of her deteriorating condition which he realises is not reversible. Despite the exhaustion experienced in cleaning up after her and her challenging behaviour, Mr Poh seldom raises his voice or gets upset with his beloved wife. He notes pointedly that staying calm, focused and persevering is part and parcel of being a caregiver – and to get on to do what needs to be done.