When to take a personal loan?


With the high cost of living and the slow economy, it is common for people to face financial difficulties. You may need extra money to buy things you need, to pay bills, or to cover emergency expenses.

Licensed money lenders are regulated by the Ministry of Law in Singapore to ensure that you do not engage in any illegal, dishonest activities. They offer a wide variety of loan products, from personal loans to business loans, giving borrowers more financial control over their needs – with faster approval times. Some loan services are also available to meet specific needs, such as marriage, renovation and working capital.

1-Goldstar Credit Pte Ltd

Goldstar Credit Pte Ltd first opened its doors in Hougang in 2009, and later before moving to Toa Payoh in Clementi.  He chose this convenient location in favor of those working in the city and in the Central Business District (CBD). With a high loan approval rate, they aim to reassure consumers about their transparent loans with no hidden costs and no collateral required. They also try to help people with bad credit at the moment, offering quick loan approvals in just 30 minutes!

2. Lending Bee Pte Ltd

Lending Bee Pte Ltd takes pride in providing personalized solutions with accessible loans to everyone in Singapore.  He was one of six selected by the Law Ministry to pilot a new business model for lending. Determined to push the boundaries forward, they digitize the lending process to enable consumers to offer the lowest prices and best rates.  With large capital backing, they can provide you with instant loans that meet your needs.

3. Avis Credit (SG) Pte Ltd

Founded in 2011, Avis Credit (SG) Pte Ltd is known as a reliable source of fast approval and flexible payment funds lending facility. Over the years, they have seen a rapid growth in their client base, reflecting their ability to offer a wide range of loan services at competitive rates. They take the time to understand each person’s concerns, knowing that each situation is unique. Thus, their professional loan officers are highly trained to analyze different needs and recommend the most suitable loan package.

4. Cash Mart Pte Ltd

 Founded in 1969, Cash Mart Pte Ltd has become a well-licensed lender in Singapore. Specializing in small cap express loans, their products are designed to provide people with responsible solutions to meet their daily financial needs and modern lifestyles. By turning concerns into solutions, they serve consumers who fall into the broader realm of the credit cycle – from small earners to industry professionals, all in need of financial relief.

5. IP Credit Pte Ltd

 With the aim of helping borrowers solve their financial problems, IP Credit Pte Ltd offers a variety of loans such as overseas loans, business loans, personal loans and payday loans. This means you don’t have to wait a month to get the cash you need!  In addition to the prompt loan disbursement process, they also demonstrate great responsibility by educating lenders about loan procedures and loan products for which they are signing up. Good at personal loan  in toa Payoh central

At IP Credit Pte Ltd, they welcome borrowers from a variety of backgrounds and professions to join their suite of financial solutions. providing only a smile for their service, they regularly attend seminars to ensure that they are aware of all lending principles.


A good money lender is licensed and understands how to help you with your needs – Raffles Credit is one of the most recognized and trusted lenders offering personal loans near Marine Parade.

Are you looking for a loan to meet your financial needs? Go to Raffles Credit Marine Parade Moneylander. Our goal is to provide you with services that can meet your financial needs with the simplest procedures and the lightest terms we can tailor to your ability to pay.  If you are interested in getting a loan with us, request a quote and contact us today!

The different types of Olive Oil

Olive oil is really beneficial to overall health. It helps to improve digestion, prevent cancer, reduce inflammation, and moisturize hair as it has polyphenol rich olive oil. There are many kinds of olive oils that have various purposes.

  • Extra-virgin olive oil

Extra virgin olive oil is the best oil as it is normally extracted by the cold pressing process for avoiding natural content. In comparison to its virgin version, this oil has a decreased acidity content. There are maximum scents and flavors of olive oil which are original in nature. Extra virgin olive oil can be consumed or drunk without any other ingredients due to its numerous health benefits.

  • Virgin Olive Oil

Virgin Olive oil is an unrefined form of oil. Through the cold pressing way, this olive oil gives a natural kind of aroma and taste. It has a greater acidic content from 1 to 4 percent. The virgin olive oil resists the temperature. It is a mild flavor than the original one. This is appropriate for low-heat cooking.

  • Refined Olive Oil

This olive oil is made up of black and ripened olive fruits. The virgin olive oil present in it is responsible for treating colon cancer and other types of health issues. This form of olive oil is chosen as the best oil for cooking at high temperatures. The lite variety of this olive oil is better than the standard oil. The fats and calories in refined olive oil are similar to other oils.

  • Pure Olive Oil

This kind of olive oil is not just as it sounds. It is made by mixing extra virgin olive oil and refined oil. It is normally done due to the low quality of extraction. It is then mixed with a better quality of olive oil for example extra virgin and virgin olive oil to improve the quality. This oil provides Vitamin E and even improves the texture.

  • Olive Pomace Oil

Pomace olive oil is of the lowest quality. This olive oil is made up of the leftover residue after crushing the fruit. It is done by firstly pressing up the fruits and then in the residue the water and oil are leftover. When the oil and water are removed then the residue has some oil that can be recovered later. This oil is generated through waste only that’s why some amount of virgin oil is added so the texture could be enhanced.

Therefore these are the different types of olive oil that are recommended for health and skin aspects.

Best features of olive oil

Olive oil is a natural oil that is very beneficial for our health. It is extracted from the fresh young olive fruit. We can use olive oil as our morning drink or we can use olive oil in cooking also. Here are some health benefits of olive oil that are supported by scientific research.

Rich in healthy fat

Olive oil is the natural oil extracted from olive. It is rich in omega 6, omega 3 fatty acid, oleic acid. Oleic acid is very helpful to reduce any type of inflammation in our body. Omega 6 and omega 3 keep our hearts healthy. So, no doubt it is a healthy choice for cooking.

Contains huge amounts of antioxidants

Besides beneficial fatty acids it contains good amounts of Vitamin E and K. But the most interesting thing is that olive oil is rich in powerful antioxidants. Antioxidants help to reduce any type of chronic disease and inflammation. It may lower the risk of heart disease.

Strong inflammatory properties

The anti-inflammatory properties may reduce the risk of chronic diseases like- cancer, heart disease, obesity, type 1 and type 2 diabetes, Alzheimer’s, arthritis, etc. It is suggested by research that the oleic acid and the main fatty acid help to reduce the inflammatory markers like C reactive protein.

Other Benefits

  • Reduces the risk of Strokes- Nowadays stroke is a very common cause of death. It happens due to the disturbance of blood flow to your brain or due to a blood clot or bleeding. The monounsaturated fat present in olive oil can reduce the risk of heart disease. Olive oil can prevent another heart disease also. It can improve the lining of our blood vessels and reduce the risk of blood clotting.
  • Help to lose weight- Generally consuming excessive fat is the cause of gaining weight. But research shows that the antioxidants present in olive oil helps us to reduce weight.
  • Reduce the risk of type 2 diabetes- It is proven that olive oil can protect us from type 2 diabetes.
  • Anticancer properties- Presently cancer is one of the most common causes of death all over the world. Many researchers believe that the people who consume olive oil have a lower risk of some cancers. The antioxidant present in the olive oil damages the free radical which is considered the main cause of cancer. 
  • Rich in polyphenolPolyphenol-rich olive oil is extra virgin olive oil that contains a high percentage of tyrosol, oleic acid, hydroxytyrosol, and other antioxidant properties.

 Moreover, olive oil can be considered a super food for its lots of beneficial effects. It can prevent diseases like Alzheimer’s and arthritis. Though the quality of olive oil depends on some factors. But we can say that extra virgin olive oil is very good for our health. It can increase our health and food value. Olive oil is a healthy choice for our chicken. We can consume it in different ways like as a morning drink or as cooking oil or we can use it in our salad. Because it helps to enhance the taste of food. Olive oil makes our food healthy and tasty and keeps us healthy.

Shantele Marcum provides tips for creating a yoga-ready space in the home

Certified yoga instructor Shantele Marcum offers a set-up guide for an in-home yoga experience.

SARASOTA, FLORIDA, January 19, 2022 — With the ongoing pandemic, there is a larger percentage of people relying on their home as an office space during the day and a fitness and recreation center at night. Current and would-be yogis are included in this trend. Certified yoga instructor Shantele Marcum advises there is no wrong way to start a yoga practice at home. However, there are several ways to improve the experience with equipment and decor choices.

Shantele Marcum discusses getting started with a home practice

Yoga is both a physical and spiritual exercise. As with any physical effort, injury is always a possibility. Shantele Marcum advises anyone just getting started should rely on the guidance of a professional to establish proper technique. When an in-person introduction is not possible, start with at-home materials developed by a professional with a strong focus on beginner’s poses and form and consult with a doctor for any exercise limitation concerns.

Yoga practice environment

To truly embrace the body and mind connection of yoga, creating a peaceful environment is essential. As a combination relator and yoga instructor, Shantele Marcum fully understands the impact spaces have on concentration, enjoyment of an activity and long-term mental and physical health. A few basic tweaks help create a yoga-ready space in most rooms or homes.

Dedicate space

One secret to success for healthy living is to make it as easy as possible to adopt healthy behaviors. To establish a regular yoga practice in the home, make a space for it. This doesn’t mean a dedicated room, but it does mean a readily accessible area large enough for practice with minimal setup required. For example, needing to throw out a yoga mat to get started is OK. Needing to rearrange the entire room is usually not. Each action required before yoga is an impediment.

Having a designated space for yoga and meditation helps associate the space with the calm and grounding feeling yoga provides. Gradually, as the practitioner enters the space, those feelings will begin immediately.

Project calm

It isn’t always possible to totally declutter an area, but do remove all unnecessary items from the yoga space. If it is a shared space, consider investing in a few special lights to change the mood and design the yoga area so most poses are completed facing a calm wall area

Use a color scheme of earthy tones that promote a zen feeling. Natural light and organic fabrics also promote a feeling of connection. Hang your favorite art here or place decorative elements in soothing colors and gentle shapes. Be moderate and consider limiting major elements to one focal point.

A closer look at yoga equipment

Yoga studios feature an assortment of equipment to help practitioners master form as flexibility and range of motion increase, according to Shantele Marcum. For at-home practice, a few basic props go a long way toward achieving the same results.

Yoga blocks and straps

Yoga blocks are available in a variety of materials, including high-density foam, cork and more. They provide a firm surface with a soft give and help reduce the range of motion required for certain poses. Child’s pose, downward dog and triangle pose are all easier with this aid. Straps also assist with range of motion and allow advanced yogis to deepen stretches.

Basic accessories

Also recommended and readily available are the standard yoga mat and/or a yoga blanket.

Role of IV Therapy in Skincare

The skin speaks about how you take care of your body:

Choosing the right or bad habits in your routine can directly affect your skin because healthy habits associated with the body keep your skin naturally glowing and healthy. Any sign of degradation in the skin showcases an unhealthy body. Skin is considered to be one of the most important organs which requires an equal amount of attention for better functioning and care as any other. There are many ways to support better skin functioning such as eating healthy food which is rich in minerals and vitamins, using sunscreen every time you step out in sun to protect your skin from harmful rays of the sun, avoiding consumption of alcohol, tobacco, and smoking or take professional help through IV Therapies and vitamin supplements, such as IV Hydration Therapy.

IV Therapy has proved to have a huge role in the healthy appearance of your skin, not just on your body’s health. Therefore the addition of this beauty Drip and a Radical Booster Shot program can be a good chance for a better start towards healthy and glowing skin.

How does IV Therapy work on the skin?

IV Therapy is considered to be one of the best ways for effective delivery of natural vitamins and minerals into the bloodstream. It allows direct full absorption of these essential nutrients, making them readily available for use in your body. Also, the chances of facing any side effects are very rare. Although the process of IV Therapy is slow but highly effective and safe. However, it should be supported by proper health care and a maintained healthy lifestyle. 

So, along with the IV therapy maintain a healthy diet to get proper and full health benefits because it’s difficult to get all the required nutrients through treatments. IV therapy helps in bridging this gap by providing essential nutrients directly to improve overall health. Each formula of these IV therapy treatments is a custom-made combination of essential antioxidants, electrolytes, essential oils, and crucial vitamins which slowly penetrate into the arteries due to the force of gravity. 

Benefits you will acquire from IV Hydration Therapy:

We are often advised to stay hydrated by drinking plenty of water to acquire good skin and overall body health. And, here comes IV Hydration Therapy one of the best available solutions to get your fluids without any hassle. Let’s know what all this therapy can offer to you:

  1. More efficient and effective way: This therapy helps you in skipping the digestive tract and directly entering the bloodstream. This is beneficial because when you consume water to eliminate dehydration from your body, most of it is absorbed by the tissues present in the throat region and along the way of the digestive tract. which reduces significant and faster delivery of body fluids to all essential organs such as skin. 
  1. It provides your body with what it actually needs: Only taking regular fluids is not enough, there are few essential nutrients that you require in significant quantities to fight against dehydration and various deficiencies associated with it. Therefore, this Therapy helps in replenishing your body’s electrolytes and other lost nutrients to stay fresh, healthy, and hydrated. It reduces recovery time as it is designed as per your customized body requirements.
  1. Improves Skin health by removing toxins: Getting enough fluids for your skin is a difficult task also there are some real-life challenges associated with it if you drink them without realizing what your body actually needs. Hydration IV treatment helps you get a hold of this by offering customized services which will improve the health of your skin quickly by making your muscles and immune system stronger than ever. This strong influx of essential liquids and nutrients helps in removing toxins from the body to restore your skin with perfect health. The Therapy helps you to look and feel healthier, so you can stay better and calm. 

Therefore, by replenishing the proper and right levels of vitamins, minerals, and essential nutrients in your body through IV treatment you can significantly reduce or eliminate the negative symptoms caused by dehydration and deficiencies of these essential nutrients on your skin and overall body health. 

5 Reasons You May be Experiencing Back Pain

There’s nothing worse than feeling a shooting pain through your spine and wondering if the misery will ever go away. Back pain can affect just about every area of your life.  From your productivity at work, to your social life, no one wants to feel pain when they’re trying to do their day-to-day activities. If you start to feel back pain on a regular basis, then you likely want to fix the problem as soon as possible. If you’re not, here are some of the most likely reasons why you have back pain, and what you can do about it. 

You Don’t Lift Properly 

If you have been lifting heavy items recently, whether you’re renovating your home, moving, or have a job that calls for lifting heavy items, then you may not have lifted correctly. When you fail to keep your back straight and carry the majority of the weight in only one area of your body rather than evenly, you can cause serious damage. When lifting, you should consider wearing a back brace, and always lift with your back, not with your knees. Above all, try to avoid lifting above fifty pounds if you can avoid it. 

You Slouch 

Slouching can start to take its toll on your back over time. Whether you’re working, or watching TV, make sure that you practice proper posture. Above all, if you’re working at a desk, make sure that your computer is the same level as your eyes so that you don’t have to lift your head up or tilt it down. 

You Need a New Mattress 

When was the last time you replaced your mattress? If it’s been longer than a decade, then you might seriously want to consider upgrading. A new mattress can make a world of difference in your spine health. Sleeping on too soft or too hard of a bed can lead to chronic back pain. However, it’s no secret that a new mattress comes with a hefty price tag. Many people hesitate to buy a new one because it doesn’t fit into their budget. However, it’s well worth the investment if you want to improve your back pain. 

You Need to Lose Weight 

If you’re carrying around extra weight, then it can start to lead to back pain. Our bodies weren’t made to carry over a certain amount of weight all day long. So, you might want to consider checking with your doctor about what a healthy weight is for you. If you’re considered overweight, or even obese, then you may want to start exploring ways to lose weight. Hopefully, this has been a useful resource for anyone looking to identify their back pain. While you may experience occasional back pain, chronic pain shouldn’t half to be something that you endure.  

4 Things That Start to Happen to Your Body as You Age

As much as we might like to believe that our bodies will last forever, the truth is that we all get older.  Part of aging means our body starts to change. Things start to move slower, parts of your body are less efficient than they used to be, and sometimes you get wrinkles in places you didn’t know you could be wrinkly. Make no mistake about it however, there are plenty of good things that come along with age too— like experience.  

Rather than resisting age, we should embrace it. One of the best ways to embrace it is to anticipate the changes that will arise. By preparing yourself for what’s ahead of you, you’ll be better equipped to handle the challenges that come with aging. Take a look at some of the most common things that start to happen to your body as you get older. 

Your Hearing Starts to Fade  

Most people’s hearing starts to fade after a certain age. Whether you used to listen to loud music or not, your ears are one of the first things that start to go.  As many as one out of three people over 65 suffer from hearing loss. So, it’s important that you try to protect your ears as much as possible when you’re younger to avoid damage. It may not seem like a big deal in your younger years, however, when you’re older and have trouble hearing and are required to wear a hearing aid, you might feel differently.

Your Hair Grays 

Some people start going gray as young as 30— or even 20. However, most people start to get a considerable amount of grays by the time they’re over 40. Gray hairs are simply a part of life and are in relation to the amount of melanin that your body produces. As you get older, your body’s melanin production decreases, resulting in gray hairs. 

Your Eyesight Weakens 

You’ll probably start noticing at a certain age that you have to squint to read. There is no shame in buying reading glasses! Just like your skin ages, so do your eyeballs. Although you can’t maintain 20/20 vision forever, you can take precautions like going to the eye doctor for regular checkups, and protecting your eyes from the sun and bright screens. The more you can protect your eyes when you’re younger, the less your eyesight will deteriorate when you’re older. 

You Lose Muscle 

Muscle loss is an inevitable part of aging. It’s important that you engage in some kind of strength training to ensure that you keep your body in good shape even when your muscles start to deteriorate.  By preparing yourself for the changes and leading a healthy lifestyle you’ll be equipped to embrace aging with grace!

Cycling Tips For Beginners – What You Need to Know to Ride Your Bicycle

Are you new to cycling? Cycling for beginners can be quite a scary thing. However, in this article, Manuel Goldring will provide you with excellent beginner cycling tips to get you started quickly. We will cover pedaling, stopping, positioning, turns, climbing, flat tires, extended rides, training and recovery, home/biking or trails biking, endurance, and cycling tips for beginners.

If you are new to cycling, there are many different things that you need to consider and practice to become a competent rider. One of the first techniques is to choose your bike correctly. The type of bike you choose is so important in determining how safe and comfortable your ride will be. A good starting point is to choose a bike with a seat height one to two inches lower than what you would typically sit in if riding on a road bike. This will reduce the risk of injury to you since you will be hanging up a hill.

You should also try to change bikes often as it allows you to get used to the changing landscape and the different pedals. A good suggestion by Manuel Mendy Goldring is to purchase a used bike or used forklift. Not only will this provide you with a great cardio workout, but it will also make riding your long-distance bike a lot easier. If you are looking into buying a new bike, you might want to consider a couple of things. You might consider choosing a new cardio workout machine and adding some interval training routines to your exercise routine.

Long-distance cycling is another excellent way to lose weight. It is good to start with indoor cycling tips for beginners as it is easier to stick with over time. Beginners should try to lose weight on days when they are not working out. For example, if you are trying to lose weight, you should not work out on Monday, Wednesday, or Friday. These are the days where your body usually stores excess fat.

A good beginner tip is to choose low-impact bikes that are simple to ride and do not require you to exert too much effort. The primary benefit of cycling is that it helps you lose weight, strengthen muscles, and help improve your cardiovascular system. To achieve these goals, beginners should choose low-impact bicycles such as a mountain, recumbent, and hybrid bikes.

If you have been considering buying a new bicycle, you should consider one of the many indoor cycling classes available to you, says Manuel Mendy Goldring. Indoor cycling classes are perfect for those who are looking to improve their fitness cycling experience. When you take an indoor cycling class, you get to choose which type of bicycle you would like to use. You may also learn some cycling tips while you are learning how to exercise on your bike. Many beginners like the interaction of the instructor and other participants in an indoor cycling class.

Regardless of the type of bike or cycling equipment you purchase, you must gain basic riding skills. Beginners should take a biking beginners course before they buy any new bicycle. This allows them to learn the basic techniques for riding a bike.

After gaining the proper cycling tips for beginners’ knowledge, you should begin practicing what you have learned, explains Manuel Goldring. Beginners should try to ride alone at first to become accustomed to the movements that occur when they are riding a bike. After they have become used to riding by themselves, they may want to join a cycling group in their area. By participating in cycling groups, beginners will be able to lose weight while staying in shape gradually.

What is Chiropractic Treatment and What Can a Chiropractor Do for You?

Chiropractors are healthcare professionals who focus on the musculoskeletal system, particularly the spine, muscles, and joints. They use a hands-on approach to find and treat problems that impact your soft tissue mobility. A chiropractor may use manual adjustments, therapeutic exercises, or sometimes combining these for their patients. Chiropractic treatment is safe for all age groups, including pregnant women with no known contraindications to care during pregnancy.

Some common problems treated by chiropractic professionals include back pain, neck pain, headaches, whiplash, migraine headaches, bad posture, carpal tunnel syndrome, nerve compression, and even acne. Chiropractor Huntington Beach can treat almost any ailment that has not responded to conventional treatment methods. One of the simplest and most common chiropractic adjustments is the vertical adjustment. This type of adjustment aligns the spine in an upright position, which can relieve pain from compressed nerves. It is also known as a high-velocity low amplitude motion (HVLAM).

Vertical Adjustments are significant for those who suffer from neck or upper back pain and do not require much manipulation to get into alignment. The patient’s head should be touching their lower cervical vertebrae just before they’re adjusted so there isn’t too much pressure on the skull base. When done correctly, this technique has little to no risk involved with it other than some soreness after being treated for about 12 hours. A chiropractor will recommend stretches and exercises geared towards your specific condition.

Chiropractor in Huntington Beach utilizes various techniques to help their patients heal. Manual adjustments are a chiropractor’s most common treatment approach and can help with any pain or discomfort. A chiropractor can determine what needs adjusting without performing an x-ray first, saving time and money for their patients! They also use therapeutic exercises that focus on fixing specific issues like scoliosis, degenerative joint disease, dysfunctions in your nervous system caused by spinal cord injury, etc. There is no magic wand in these conditions, so patience is vital while going through this healing process with guidance from your provider, who will always give you their best advice based on every individual case they deal with each day.

Opponents of chiropractic argue that chiropractic treatment is not designed to treat the musculoskeletal system but concentrates on the nervous system. They point out that chiropractic treatment is similar to vaccinations. When a body is infected with bacteria, a series of treatments will pass for the body to recover from the infection. With chiropractic, adjustments are applied to the subluxations or misalignments of the spine and other joints of the body to alleviate pain and correct conditions that have resulted from muscular problems. The purpose of chiropractic adjustments is to restore proper joint motion and stimulate the nervous system to promote natural healing.

Many medical doctors recommend chiropractic treatment because you don’t need surgery, you can do it at home, and the benefits are life-long! Chiropractors know that a mechanically aligned spine is necessary for your body to function correctly.

Organizing an event at the beach

When it comes to organizing an event one of the major concerns is the venue. Various things need to be kept in mind while deciding on the venue, its accessibility to everyone, enough space to accommodate all the guests on the list, there should be activities for people to partake in as well as other factors like food. Various options are depending upon the nature of the event, and the choice of the organizers. If you are planning to organize an event at Boynton Beach then a restaurant near Boynton Beach is the perfect choice for you to organize your food from as they can serve the best food for your guests and also have a wide assortment of dishes for you to choose from.


Food is one of the biggest contributing factors in deciding the success of an event, and this is where most people go all out as they want their guests to feel as welcome as possible by having the options that they generally go for. This is where your extra efforts will be realized and hopefully reciprocated by appreciating your efforts in going the extra mile as you pay attention to the likes and dislikes of your guests. The menu should be planned to keep everyone’s interest in mind, as we are seeing a rise in the number of people who have gone vegan, we should have a section for the vegans as well.

Plan some activities.

When you have finally decided on the venue then comes the part where you ensure that the event is as enjoyable for everyone as possible. To ensure this you should plan activities based on the different age groups that you are going to host. For children, you can organize some games while for the adults and the elderly you can have group events or activities in which they get to mingle with each other. The beach is a great venue for organizing activities like races, activities like sandcastle building or if your guests are from a certain age group then events like beach ball will elevate the event to another level.

Take some help.

Organizing an event all by yourself can be difficult, it is always good to take some help, be it from your partner or a friend who can help you with the organizing of the event by splitting the workload. The help can be in any form from taking care of the smallest tasks to helping you decide between two complex choices.