Category Archives: About Life

Best Home Insurance Policy

It is the time of the year to review and renew my home insurance policy again. My insurance company would send a letter of notice telling me that my home insurance  is up for renewal and indicate the dateline to pay the premium before it expired. Normally during this period I would assessed and see whether I need to upgrade or stick to the existing coverage for my home. Of course I would also looked around to see whether other insurance companies can offer better coverage at more competitive rates. Let me share with you how on I assess and choose my home insurance policy to ensure that I get the best coverage at a competitive price.

The first thing I looked into is the profile of the insurance company that I am interested in doing business with them. I would try to find out about this company as much as I could. I would check their records especially when it comes to claims. I would asked people whom have dealings with this insurance company as well as read up on any news, discussions or forums in the internet about them. I would also take time to drop into their office and speak to their customer service officer about the home insurance. Specifically I would direct my questions on claims – how long does it take to file a claim and for them to service a claim from a customer?

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Best Home Insurance Policy

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When it comes to replacement cost due to loss or damage to home and renovation, do not choose the most basic plan. I always make sure that the replacement cost or the reinstatement of my property to the same condition as if it is new must be fully covered. I also make sure that I get proper coverage for all major perils such as floods, earthquakes, windstorm, bursting of water piples, strikes, malicious acts, theft or force entry, etc. In other words, I go for deep coverage protection for my home. How do I determine the amount of replacement cost to sufficiently cover my home? I would looked at the construction and renovation cost that I have done for my home and add up about 15% for inflation and other additional minor works. Alternatively if you know a builder or a real estate agent, you could seek some advice from them.

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Home Insurance Protects Your Precious Home

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My home insurance policy also provides me with other benefits such as loss of rental income, hotel expenses in the event that the home being uninhabitable, Worldwide liability for the family from claims from third parties, Worldwide personal accident for the family, medical expense, loss or damage of contents, the cost of removing debris after the destruction or damage done to the house, compensation to the servant’s loss or damage personal effect, indemnify for the replacement of locks and keys, payment to the policyholder a sum of money as emergency cash allowance, indemnify for the loss of ATM/credit cards and even stress payment.

I know that some of the benefits may seems to be irrelevant to the home insurance policy, but if I could add these benefits to my current home insurance policy, I see it as a bonus. Of course additional benefits normally give rise to additional premium being paid, but I would weigh the benefits and costs to see its value. In other words, if something really bad happened and the home was destroyed, what sort of benefits would I liked to see being given to me immediately, to reduce my burden and stress of rebuilding my home; and at the same time maintain my quality of life during this transition period. So benefits such as an allowance or payment given to secure alternative accommodation during this transition period is important, the payment of cash for emotional stress and emergency cash allowance are also important. Surely seeing a home being destroyed by fire or flood is a very stressful experience and money is a good stress reliever. Such compensation would ensured that a person can continue to have a quality of life while he handle the task of rebuilding and repair works for his home.

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Home Insurance Protects Your Precious Home

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Some people looked at home insurance as an unnecessary expense and try to avoid by not buying it, or buying it without sufficient coverage or compensation. I looked at home insurance as something very important and a necessity. The home insurance policy must have deep and wide coverage to ensure that my home and my quality of life is well protected.

 

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Best Method to Relief Stress

There are lots of articles out there in the internet and magazines telling us about how to relieve stress in our life.  Some of the advice are to take life easy, learn yoga, exercise, go for a holiday, learn to accept our limitation, be grateful, stay healthy, meditation, pray to God, learning to breath correctly, eat, sleep and so on.  So with so many methods to choose, which one is the most effective and the best in relieving stress?  Well I guess you have to take your pick and decide which method will work for you. Normally you will end up with a combination of methods – which is fine so long as it effective.

Personally the best stress relief method is to relax and do nothing. It may sound very strange when most of the advice that you get is to do is or that – then your stress will be gone. There are many problems in life such as money problems, poor health, relationship breakup, loss of job, loss of status, etc and I will not go in detail to discuss about it. We cannot prevent problems from coming into our life but we can take necessary actions to manage it properly. But there will be certain problems or issues take cannot be resolved so easily despite our best effort and we must accept this reality. So long as we have use our best ability and method to manage such problems, then everything else we just have to let go. In other words, after doing everything we can, we should stop, relax and do nothing. Let the events played out in the future and it will determine its own results.  Most of the time the stress that we are facing is the result of our belief that we can always resolve and find solutions to all our problems.; which is not true.

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Swimming is a Good Method to Relief Stress

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So I mentioned earlier that my best method to relief stress is to relax and do nothing. That is after I have put in the best effort to resolve the problem at hand. To relieve stress, I enjoy swimming in the pool and just lying down on the deck chair beside the pool and do nothing. I would just look at the pool, the garden and the sky, listen to some music, eat some fruits and just relax. Sometimes if my friend is beside me, we would chat and swim together. In many occasions, when I am relaxing, a thought or suggestion will suddenly appear in my mind telling me that I should look at the problem in a totally different perspective; or manage it using another method. It is strange but sometimes the best solution will appear in my mind when I am relaxed and when I least expected it.

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To Relief Stress - Just Relax

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Since stress will always be part of our life, we should find the best method to relief it. It does not matter which method or combination of methods we choose to use – the key is to make it work for you.

 

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Lose Weight By Walking

I have been putting a considerable amount of weight for the past 3 months – 9 kg to be exact. This is due to the lack of daily exercise and also by eating too much during meals. I noticed that whenever I eat more than usual even during my normal lunch or dinner, I would put on weight easily after one week. After a few months of continuous eating, I have a big round tummy around my waist. My friends have noticed the change and told me that I am getting fat; and occasionally make jokes out of it – I am fat, and that is a fact. I told myself that this has to stop and began to devise an exercise regiment to get rid of the excess fat around my waist.

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Lose Weight By Walking

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My plan is simple. To reduce 8 kg in 3 months and the method is to walk about 4 km everyday. I choose walking because it is the easiest exercise to do. All I need to do is to put on my jogging shoes and start walking around the park or on the treadmill. But to do it everyday, now that requires much discipline from me. When I first started on this walking exercise program, the first 3 days was fine. But I felt a little tired and lazy after the fourth day. I wanted to rest as my body and legs were slightly aching from the daily walking exercise. Luckily I pushed myself to get out of my house and start walking in the park. I noticed that after 2 weeks, I began to feel slightly lighter and stronger. In fact I could walked faster throughout the 4 km without the feeling of lost of breath or tired. And strangely enough I also do not feel so hungry or tired throughout the day – there was no lethargic feeling inside me. I drink more water and a bottle of isotonic drink daily to make up for the sweat loss. And the additional benefit was I actually felt that I slept better during the night.

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Lose Weight By Walking

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After one month of walking exercise, it was result time. Before I put myself on the weighing scale, I knew that I had lost weight. Very simple to figure out. It was because my pants that I was wearing daily felt loose around my waist. I stepped on the weighing scale and I saw that my weight had in fact gone down by 2 kg. I was so happy with the result and I knew so long as I continued with the walking program, I would eventually lose 7 to 10 kg in 3 months. Throughout the one month, I did not go on dieting program or change my habits of eating. But I became more conscious of what I eat and chose to eat more fruits, mushrooms and vegetables daily. I still go to fast food restaurants during weekend because I love MacDonalds, KFC, Pizza Hut, Long John Silver – yes it is junk food but absolutely delicious.

Nowadays, I feel more energetic and I have started to lift some weights as well during my exercise. The fats around my tummy must be getter smaller because my pants are getting loose on my hip. I hope to wear back all my old pants of size 32 after 6 months. I guess in life if you have make a firm stand on getting what you want, you will do all it takes to get the results. I have a few tips for those who wants to start losing weight by walking. Here it is –

1) take a calender and start marking a tick on each day you have completed the walking exercise. No excuse of not exercising unless you are sick, bad weather or have to attend to something very urgent on that day.

2) it does not matter whether you want to walk in the morning or evening. Just make sure that you do it.

3) wear a pair of comfortable jogging or walking shoes.

4) wear comfortable clothes – I normally wear a loose T-shirt and shorts.

5) bring a small towel because you will sweat alot.

6) drink some isotonic drink or water about one hour before the exercise.

7) bring a bottle of water along if you need it. Some of us can feel thirsty after walking for 2 km. I always bring a water bottle along.

8) do some stretching exercise before the walk and after the walk. Start by walking slowly and increase the pace when you are comfortable.

9) open up your feet when you walk, increase the pace of walking when ready and slow down the pace when you are tired – feel your rhythm.

10) eat more fruits, mushrooms and vegetables daily.

Losing weight by walking is by far the easiest way to trim the fats around your waist, staying fit and healthy. It is also very cost effective too because I don’t need to pay crazy amount of money on dieting programs and exercise equipments. All I need is a good pair of jogging shoes and a comfortable t-shirt and shorts. Do remember not to over exert yourself especially if you are doing brisk walking. If you feel that you can only walk 1 or 2 km during the first week, it is all right. The key to success here is Discipline. You have to make sure that you do it everyday.  They say that life is a journey, so keep walking.

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Lose Weight By Walking

 

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How to Bow Figurines

I saw these interesting figurines when I was at a shopping mall in Kuala Lumpur. It depict the art of bowing.  In many Asian countries, bowing is a sign of respect that you give to someone important or to the elders.  The figurines in the photographs illustrate the Asian bow.  But in real life, there is no need to tip or bend yourself so much to lower your body. Also you must make sure there is enough space between the 2 persons if that person needs to bow back; otherwise they will both get a bump on their heads.

But nowadays, it seems that not many people have the habit to bow. Perhaps the younger generation feels that there is no need to do so. Respect can also be given in other forms like a warm smile and a handshake.

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How to Bow

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I enjoy looking at interesting figurines, work of arts or anything that seems interesting. That is why is it important to bring a camera along whenever possible. I seen many people taking photos with their mobile phones with built in cameras when they are on holidays. Personally, I still prefer to take photos with a camera, as it gives me the exact shots and flexibility that I need.

In the year 2011, I will hope to put up more photos and blogs in my site. I saw that traffic stats in this new site is picking up. I would liked to express my sincere thanks for those visiting this site.

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Take a bow

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Interesting Figurine

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3 Types of Bow

Lion Statues for Protection

I attended a house warming party of a close friend who has just moved in into his new semi-detached home in Malaysia. It is a beautiful two storey house with a beautiful manicure garden in the front and back of the house. Houses in Malaysia are very affordable as compared to the landed properties in Singapore. But for foreigners who wish to buy a property in Malaysia, they are only allowed to buy a property with price of at least RM500,000. Even with this restriction, the prices of property is still very affordable in Malaysia.  A brand new house has the feeling of clean, bright and youthful look, that is what I liked of newly built houses and condominiums.

My friend told me that he will be putting two lion statues in front of his house ( at the gate) or in addition another pair right outside the wide main door of his home. He is still shopping for the right pair of lions suitable for his home. At that time, his sister in law interrupted and she felt that putting a pair of lion statues looks so lame and old fashioned. His sister in law being a staunch christian do not believe about the old traditional Chinese beliefs of the lion statues and she felt that such a belief is nonsensical.

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Lion Statues - For Good Luck and Protection

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I told his sister in law that the lion statues is a symbol of power, good luck and a good protector. Whether any person believe in it or not, it does not matter. What matters is the owner of the house or building who feel good about having a pair of lions in their premises. I told her that if she felt that this is mere superstitious, then tell it to the HSBC bank. Asked why a giant global bank like HSBC bank insists of putting a pair of old fashioned lion statues in their HQ building? She could also posed this question to many successful companies in Asia which placed a pair of lion statues outside their spanking new buildings. A pair of lion statues represents power and prestige, period. The Chinese belief that a pair of lion statues serve as a protector against evil spirits is real. I jokingly told her that if her home is being infested with evil spirit one day and her pastors and church members are unable to help to get rid of it, then get a pair of fierce lion statues and get it blessed it by a good monk – then put it in her home. She can then see first hand the mystical power of the lions in getting rid of the evil spirits and bringing peace to her home.

I firmly believe that what we do not believe or do not know, we should not judge or ridicule. Anyway my friend had ignored his sister in law and will proceed with his plan to place the pair of lion statues in his home. I always felt that if you are down and out of luck for months or years and is unable to get out of it, you should try a different approach to alleviate this problem. Yes, we all know that we need to work hard, work smart and being discipline ( no excessive gambling, drinking, etc ) . But there are times when all that we have done right, including daily prayers have not help – that is when need additional effort to boost our luck. Never under estimate the mystical power of lion statues. You can see many lion statues in many tall buildings and beautiful homes in Asia, it is placed there for a reason and it works.

If you are keen to find out more about Malaysia and Singapore, just follow the link below: –

ImageSingapore.com

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Calming Effect of Water

Whenever I feel tired, restless and low in energy, I will do a couple of things to boost up my life. First of all, I will make sure that I get enough sleep and rest. I will also take more nutritious food and drink like ginseng, Chinese herbal soup and energy drink like Pocari. Daily exercise also help in getting my body back in fitness. Sometimes, despite all these things being done, I still have the feeling of low energy and stress. That is when I head down to the nearest place where there is plenty of water. It could be the sea, a waterfall, a reservoir/lake or even a simple beautiful man made pond. I will simply seat there for at least an hour and let the water elements work on my body.

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Water has a calming and positive effect on my body. The Chinese firmly believes in the importance of water as part of the landscape to enhance health and wealth. That is why in Asia, you can see so many beautiful buildings with water elements such as fountains and ponds incorporated in their landscape. The sound of water derived from a fountain can be a calming effect on our mind’ and it also transfer positive energy into our body. I have the habit of sitting next to a fountain or a beautiful pond with fishes whenever I am free. For best effect, I try to do this alone and not bringing friends and families with screaming kids running around. I mean how can a person focus on the sound of water and the beauty of nature ( fishes) when you have kids screaming and your friends chatting non stop? You should treat it as an important therapeutic session that you must do alone in order to gain the maximum benefits from water elements.

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Calming Effect of Water

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According to Chinese Feng Shui, water is the most important symbol of money.  This is because there is a positive chi energy generated from moving water that give us wealth and health. So if you intend to built a fountain or a pond in your home, make sure that the water is continuously moving and not stagnant. So make water therapy a part of your life and I am sure you will see the positive benefits it brings to your life.

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Fishes in the Pond

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My First Post – About Life

This is my first post on my new site – beginningless.com  Frankly I haven’t really thought what main topics I would like to post on this site. My interests in life is about health, food, internet marketing, money, and travel. So I will be writing on these these topics most of the time. But I will also post anything that is interesting; and I take a slow and leisure view on how this site is going to grow.

I can see that lots of people are quite stressed out nowadays. When I sit and chat with my friends, inevitably the topic of money, rising cost of living, stress in workplace, family life and health are normally the topics of discussion. Money will always be a pressing issue with most of us. For those who has lost their jobs, the lack of money will create a major crisis in the family. During the last few years, I have seen so many of my ex-colleagues, friends and acquaintances being retrenched or conveniently removed from their jobs by their companies. What followed after losing their jobs is the lost of confidence in themselves; and at times the feeling of guilty and unworthiness. Luckily, quite of number of them who were jobless are able to secure an alternative employment after job hunting for a few months. Most of them could not get back their previous job status or match the level of their last drawn pay. So if a person is getting say 40% less in pay compared to his previous job, then he must budget and live within his budget and expectations. On a longer term, he could plan and see whether he could move up the corporate ladder again; or look for a job with better pay and benefits.

Support from our family members and friends are important when we are facing a crisis in life. So it is important to keep them close especially during good times, when we have a tendency to forget or neglect our family and friends. I remember clearly a ex-colleague ( called him B ) of mine who had lost his job and have 3 young kids and a wife. His desperate search for job for the next 2 months was fruitless. Eventually he got a job through a mutual ex-colleague whom had moved on to a new company. B was able to get an immediate offer of a job because he was nice and helpful to my ex-colleague when they were working together previously. So the moral lesson here is – We will be rewarded in the future when we are nice and respectful to people around us.