A Beginner’s Guide to Being a Landlord in Singapore

The promise of a rather balanced risk-reward profile of real estate makes it lucrative from an investment standpoint, but being a landlord can be tricky once you’ve made the investment in your property.

Here’s what you need to know to get you started on earning income on your property:

1. Being a landlord is not a 9-to-5 job
When you’re a landlord, days tend be more spontaneous than planned out. While on one day you may just be working for an hour, you might find yourself working for fifteen on the next.

Your obligations can also change depending on the situation at hand. For instance, what could be a rent collection for five or ten minutes could turn into a four-hour job trying to fix their sink, or cost you a significant amount for hiring a plumber to do the job for you.

2. There is a learning curve in the process
There is only so much you can learn from reading up on something and talking to others about it. When it comes to being a landlord, you will learn a lot of things about people you never even thought were possible.

That also means having a learning curve in dealing with people for extended periods of time, and you will inevitably hit some bumps when you first rent out the property to prospective tenants.

3. You can’t sell the flat at any time
Technically, you still can, but don’t expect a good return when you do – you need to remember that you may not always have the rental income to cover the mortgage costs. Worse yet, you may even end up making a losing investment if you’re forced to sell during the downturn.

When it comes to investing in property, it’s a good rule of thumb to have at least six months’ worth of mortgage payments on you before buying the house.

How Property Management Can Help You
Hiring a property manager can do a lot to maintain your property’s value and keep the rental income coming, especially with these services that they can offer you to get your property to its best:

• Screening potential tenants – Managing agents have a system of screening potential tenants for your property that’s both legal and highly efficient, and always with amazing results.

• Rent collection – Property managers can also collect rent using an efficient system that keeps everything hassle-free for everyone, especially if you’re busy and can’t collect on time.

• Maintenance – They can also take care of keeping the property in good shape for you while you’re away, as they often have a network of maintenance contacts that they can reach out to.

The Top 5 Sandwich Places in Singapore to Get Your Fix From

Sandwiches are more than just a few slices of ham and cheese packed between two slices of soggy, white bread. In fact, you can make an amazing meal out of them when you choose the ingredients well, and you can mix and match the types of bread and fillings to find out what works for you.

If you want to grab a quick bite before rushing off to where you need to go, but don’t know where you can get it, worry no more – here are some of the best sandwich places in Singapore you should definitely try out:

1. The Sandwich Shop
Looking for cold sandwiches you can order on takeaway that don’t cut down on the taste and texture? Then head on over to The Sandwich Shop, where bread and sandwiches are prepared fresh every day with amazing combinations, such as their Double Cheese and Onion, and their Roast Beef with cheddar.

2. Park Bench Deli
Not only is the deli itself cozy and inviting (great if you want a place to chill in for a while before getting back to work), but they also serve classics such as the good old PB and J, which they coat in cornflakes and fry, and their mouth-watering Cubano sandwiches.

3. Sarnies
Sarnies has you covered with different sandwich combinations, from Steak Wraps with Scrambled Egg and Mushrooms, Smoked Salmon and Cream Cheese Bagels (or wrap with scrambled eggs and avocado), to even the classic Bacon and Egg sandwich.

And don’t let the name fool you – though the word itself is a British slang for “sandwich”, their extensive menu includes delicious options that include salads, slicers, and even breakfast bowls and pastas.

4. Forty Hands
Also known as “Toasties”, the sandwich shop has since grown from its humble café origins to become a name that stands for good food and good coffee, and you can choose from their different options of sandwiches with a good helping of fries and salad.

The best thing about Forty Hands is that they have something for everyone’s dietary preference, which is good news for people who don’t happen to be in the mood for any meat in their diet.

5. Kraftwich
Kraftwich’s gourmet sandwiches are not only both delicious and wholesome, but they are also perfect for having a filling lunch for everyone. For instance, you can choose to have duck, chicken, beef, and if you like, you can even go for their vegetarian options.

They also deliver via Deliveroo and Foodpanda as well, which is a really convenient way to get your food to your doorstep if you’re feeling a little lazy.

How to Lose Weight if You’re Hypertensive

Losing weight if you are hypertensive can make a lot of difference, because it lowers the risk of complications of the disease and it will make managing your blood pressure a lot easier. While practicing good eating habits and having regular exercise might sound so easy, these are difficult tasks for some people.

Talk to Your Doctor
You will need a lot of support and encouragement to lose weight, so start by talking to your doctor or your healthcare team in Singapore before undertaking such a task. You are not supposed to just stop eating certain food to lose weight, because your body will still need nutrients and vitamins from a variety of sources. An ideal diet for a hypertensive will consist of the following: whole grains, fruits and vegetables, low-fat dairy food, legumes and nuts, non-tropical vegetable oils, and skinless fish and poultry. You should also avoid taking medication, supplements, and vitamins that your doctor is not aware of.

Determine the Ideal Weight
You are considered overweight if your body mass index (BMI) exceeds 25. Obesity can place you at risk for various heart complications, as well as diabetes and other diseases. Maintaining an ideal weight has proven to have improved blood pressure in various studies of both hypertensive patients and non-hypertensive individuals. Weight and fat mass are even considered determining factors when predicting the likelihood of developing hypertension in people. Ideally, the waist circumference should not exceed 102 cm in men and 88 cm in women.

Determine the Best Diet Plan
Your doctor will encourage you to prepare your food so that it will be easier to monitor what type of food you’re eating. As a hypertensive, you must avoid the following food: high-sodium content, trans fat and saturated fat, red meat, sweeteners or added sugar, and high sugar content. If you need to buy food from the shops, you should practice reading the labels to avoid food high in trans-fat, saturated fat and sodium, which can all increase cholesterol levels and blood pressure.

Exercise Properly
Before starting any exercise regimen, you also have to consult your doctor, especially if you have other pre-existing medical conditions like heart problems. You might be asked by your doctor to monitor your heart rate (there are tools you can equip on your wrist for this) while you’re exercising and resting to get a good comparison of what physical activities do to your body. Once your doctor has determined the ideal training heart rate, your exercise routine should be within 50% to 85% of your maximum heart rate.

Monitor Your Blood Pressure
Lastly, you need to monitor your blood pressure regularly using a bicep monitor and to record the results in a diary so you can show it later to your doctor. Take note of the following numbers:

• Normal: 120/80 or less
• Prehypertension: 120/80 to 139/89
• Hypertension: 140/90 to 160/100 or higher
• Hypertensive Crisis: 180/110 and higher

How to Pick a Gift for Newlyweds

While it is a lot easier to pick a gift for an individual, the task becomes much more complicated if you are required to give a gift for two people, especially a couple who just got married. So, do you give them something that they will both enjoy or something that can be useful for them in their new home?

Home Items
For practical individuals, giving newlyweds home items that they can use is never out of style. It will symbolize their journey into a life together as husband and wife. Most couples will be more than glad to accept home items after spending so much money on the wedding ceremony. Popular home item gifts include bed linens, bath items, small appliances, and cookware.

Home Decoration
If the couple is moving into a new home, it is a great idea to give them something that will be useful such as home decorations. It could be an artwork or framed picture that they can hang on the wall, or if you’re the artistic type, you can create the items yourself so they will always remember you.

Kitchen Items
One of the tests of marriage is preparing food in the kitchen, that is why kitchen items are also a popular gift idea besides other home items for the newlyweds. You can give them a beautiful set of dining ware or specially crafted tea set that they can put on display. If you’re feeling more generous, you can give them quality kitchen appliances that will be very useful.

Money to Spend
While this might seem lazy to you, it is a practical gift for a couple who has just spent a lot of money on the wedding ceremony. You could also send them gift cards or coupons they can spend on their honeymoon and a note saying you appreciate being part of their most important celebration.

Customized Item
This could be a pair of pillows, towels, shirts, mugs, or any other item that is specially made for the couple with their names or faces on them. The effort will let them know that you did not pick the items randomly, but that you have thought about them during the process.

Fun Items
You could also get an idea for a gift based on the common traits of the couple. For example, if they both love traveling, you can give them items that they can both use during their honeymoon. If the couple loves books, give them a title you think they might both enjoy.

Something Unusual
If you want the couple to remember you for your gift, pick something that will stand out from the usual items. It does not have to be useful or expensive, just something not everyone will think of giving, but will symbolize a couple’s new life as husband and wife.