We all know that math is not an easy subject. Every school year, different math topics are being introduced to them and it becomes more difficult and complicated every time. As parents, we want to help our children as possible and as long as we can. If we ourselves know how difficult it is, then we should know our children’s struggle. In this article, we are going to give you some guide on how you could help your children and on how they can help themselves.

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To start, Math Scholars Singapore will tell us what parents need to know about secondary math.

Finished PSLE? Here’s 6 Things Parents Need To Know About Secondary 1 Math

Dear Parent,

We understand that the transition from Primary 6 (after PSLE) to Secondary 1 can be an uncertain time for parents, and sometimes a little frightening for children.

Aside from attending a new school, with new surroundings and new classmates – many parents wonder if their child will be able to ‘fit in’ and learn effectively.

After a well-deserved short break following PSLE, as the Secondary school year approaches you may start wondering…

  • How is Secondary 1 different to Primary 6?
  • Does my child currently have the skills and understanding to do well in Sec 1?
  • Does primary school adequately prepare children for Secondary 1?
  • Will my child’s PSLE score indicate how well he/she will do in Secondary 1?

The answers may surprise you. Read more here.

The stress is more on the differences between primary math and secondary math. Parents really have to understand that it is now different. Topics will now be more advanced and preparations must be done as well so they could be prepared when they enter secondary school. In relation to that, Math Scholars Singapore will share to us how parents can help their kids in secondary school math.

How Can I Help My Kids in Secondary School Math? (Singapore Syllabus)

A Guide for Parents to Help Their Kids With Secondary School Singapore Math – What to do & what NOT to do

Just about 5 months ago, I received a text from a father of a Secondary 2 boy…

He wrote in because he had read our blog post about how some kids seemed to score well in Primary school, but strangely, not in Secondary school – and vice versa.

He wanted to know why, and if possible… how he could help his son.

His son had scored an A for PSLE math.
But for some reason, had not been able to score above 30% for his Secondary School tests, even from Secondary 1.

After speaking to this father more, I realized there was more than just the grades.

His son had stopped speaking to him.
Whenever the father would try to ask “How was school?”, the reply was short and curt “ok.”
Then he would go back to playing his computer games, or typing away on his hand phone.
Read more here.

That was a real life experience of a parent who is concerned about his son not being able to score well in secondary math well in fact, he scores high in primary math. A foundation should really be built upon entering secondary school. It will all be different that is why preparations must be done.

Now, let us talk to the students. DSST Credit by Exam will give us 10 math study tips that will make you a better student.

10 Math Study Tips That Will Make You a Better Student

In some courses, all it takes to pass an exam is note taking, memorization, and recall. However, exceeding in a math class takes a different type of effort. You cannot simply show up for a lecture and watch your instructor “talk” about math. You learn it by doing: paying attention in class, actively studying, and working through problems – even when your instructor hasn’t assigned you any. If you find yourself struggling to do well in your math class, then read these math study tips to find out how you can become a better math student.

Remember That Math Is Cumulative 

Math courses follow a natural progression – each one builds upon the knowledge you’ve gained and mastered from the previous course. If you are finding it tough to follow new concepts in class, pull out your old math notes and review previous material to refresh yourself. Be sure that you meet the prerequisites before signing up for a class. Read more here.

One good tip given is that students must read ahead. It is always nice to have advanced readings. In this way, you would be able to have advanced knowledge and would have enough time to think and understand. Studying really takes some effort, and this effort does not only come from the student because parents’ efforts are important as well. Parents and students must work hand in hand for a successful schooling.

Entrepreneurs are apprehensive of implementing the online appointment system for various reasons. Such fears include that the applications are not easy to use and customers will fail to turn up after booking by themselves. However, you need not worry as a majority of these concerns are simply myths. This article debunks some of the most common myths associated with online appointment system.

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Myth 1: Online appointment means that the entrepreneur will have lesser control on their schedule

On the contrary, online appointment gives you greater control on your schedule and also reduces the efforts needed to organize those appointments. For instance, if you own a salon and have hired 2 staffs and do not work full-time, this information can be easily included in your schedule so that customers can find out the available time slots.

It eliminates the requirement for an entrepreneur to spend many hours tweaking the appointments so that all the customers get the slot they are looking for. As it will be an automated system, a notification will be sent to the customers when a slot they want to reserve is already booked. Thus, you can save the time spent on a lengthy phone call and use that time to do more important tasks.

Myth 2: Online appointment is not suitable for the demography of the customer

It is a complete misconception as about 2.3 billion people from all over the world use smartphones today. As the same set of people are using these phone for accessing social media an online banking, scheduling appointment online will be a child’s play altogether in case the layout of the online scheduler you are using is intuitive and straightforward.

Additionally, 20% of the above members are more than 55-year-old. Thus, age is definitely not an important factor for one’s ability to book appointments online.

Myth 3: Booking online does not offer the same superior quality of customer service since there is a less personal touch

With the growing popularity of online booking, a larger population of customers would be looking for more choices. It is not a big concern simply because a customer is not interacting with a customer service representative. In fact, several of them would rather like to enjoy the flexibility of booking whenever they want to from any device of their choice.

Online appointment system can add its personal touch by sending confirmations electronically. The confirmation automatically shares the details of the appointment with the customers.

Paternity testing is done by collecting DNA samples of both the father and the child and matching them. Now, the widely used method of DNA collection is by either collecting blood samples or mouth swabs. Both these methods are accurate and it yet hasn’t been scientifically proven as to which is better between the two so, you can opt for either based on your favouritism and the convenience of the lab where the testing will be done. The only difference between these two methods is the processing of the samples.

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Below is explained the working of the procedures mentioned above which surely is going to help you decide between the two.

Working of Blood Samples and Swabs.

Samples collected from both your checks and blood will provide the same accurate result because the DNA sample in both are exactly the same. DNA collection from the mouth can be done by several processes which are-

Dry method- In this procedure, swabs are inserted in your mouth which scrab tissues from your mouth and tissues; microorganisms such as bacteria from your mouth may also be passed on to the sample.

Wet method- In this procedure, a liquid is swished around in the oral cavity and you will require to spit the sample into a collection apparatus. Bacterias of the mouth may be passed on to the specimen at the end of this method too.

Non-invasive method- In this procedure, after performing few necessary steps, you will have to spit out the collecting specimen on and to eliminate contaminates, another solution is added to it which will help to maintain the purity of the solution.

The method of collecting blood works in a similar fashion but only a syringe is needed to be inserted in your body to draw out the blood but some patients are scared of them Both the procedures have their own merits and demerits mentioned below-

The merits of swab sample are: it is fast and non interfering, it is preferred by scientist from the easier extraction process and from a testing point of view.

Two main demerits of the process is that bacteria can contaminate the cells containing DNA if it is not dehydrated and stored and since the cells are invisible, its visual verification is not possible.

Merits of taking blood samples for DNA testing are: chances of contamination are reduced due to storing of the sample in sterilised tubes, samples are clearly identified and the process is quick.

The demerits of the process are: it includes the syringe which may cause pain and the sample is easy to collect but not as easy as collecting the swab sample.

In today’s day and age, all companies want to be global in their approach. This means employing foreign employees. While foreign worker insurance is mandatory in many countries including Singapore, it has many advantages. Getting this insurance will not only protect your employee but you as well.

Advantages of getting this insurance:

  • Saves you from high medical bills

No one can predict when misfortune can strike. But a medical emergency not only means health issues for your employee, it also hurts your pocket. That is why this was made mandatory by the government to protect employers from high medical bills.

  • Added perk for the employee

In this increasingly competitive market, potential employees select those companies who provide the most incentives along with the salary. They want a comprehensive package that takes care of their welfare. For foreign employees, especially, they are away from their countries and are naturally apprehensive of how they will be taken care of should they fall ill in a foreign country. The better comprehensive package you offer, the higher the chances of you getting the cream of foreign applicants for your company.

  • Repatriation expenses

In case a foreign employee dies or is permanently disabled, this insurance indemnifies you from bearing the cost of transferring the body to his/her home country.

  • Personal accident during off hours

Depending on the comprehensiveness of the insurance policy, several important benefits are covered.

  • Disability, dismemberment due to any accident
  • Some plans even safeguards your employees against any financial issues due to loss of income; in case disability from the accident prevents the employee to be able to work
  • Surgery, dental, maternity expenses, are some of the areas covered by these insurance companies

 

  • Outpatient treatment

Some amount of outpatient treatment is always covered by all types of insurance; however the coverage varies. From dental to general check up to specialist consultation and cost of tests, there are a variety of outpatient coverage options.

This type of insurance protects both you and the employee for a minimal fee. It protects you from incurring financial loss and insures the employee’s life and takes care of any additional cost should tragedy occur. It also earns you good will from the employee. This in turn ensures lesser attrition over compensations offered, and higher chances of attracting the best in the market. Therefore choose the coverage that is beneficial for both you and your foreign employees.

 

Most employees consider health insurance as the most important perk in their remuneration package and many studies and surveys have shown that a good health insurance plan increases the chances of retention and improving recruitment quality. It is mandatory for all those who are employing foreigners in their companies to get foreign worker medical insurance in most countries, including Singapore. However, not all insurance plans offer a good bargain and therefore should not be selected blindly.

Important points to remember while selecting the right insurance:

  • Compare the policies

Never look at just one insurance company’s plan, especially if you’re planning to have more than one foreign employee. The policy needs to be beneficial for both you and the employee. Look at at least a few options before freezing in on one.

The following factors should be kept in mind while comparing policies:

  • Cost

How much does the policy cost you? Is this something that you can bear even if your number of foreign employees increases? What is the cost of the plan, the deductibles, and the co-insurance costs (if any)? How much of it can be borne by the company? It also should be noted that deductibles and co-insurance costs should not be such that it affects the employee’s salary significantly.

  • Coverage

Some policies limit coverage to specific conditions or provide the absolute minimum coverage. These details are mostly written in fine print, so they need to be read carefully. Insurance policies that cover diseases should usually be avoided as their charges are higher than the chances of contracting one.

  • Reimbursement

Their compensation or reimbursements for individual incidents should be viewed to see whether the coverage actually does justice to hospital charges and doctor’s fees. Consulting a physician might be a good idea to understand if the amount mentioned seems reasonable or not.

 

  • Check the market

It is always good to know which policies competitors and other companies use for their foreign employees. It helps you to get an idea of the quality of service provided. In this day and age, when several insurance companies are facing bankruptcy issues, one can’t be too careful.

  • Get a broker

In case this overwhelms you, or you don’t have the time to review the policies in such detail you can always get a broker to compare policies for you. However, brokers are not always ethical or reliable and can influence the rates offered by insurance companies. Therefore, the background of brokers too, must be thoroughly investigated.

Once the foreign worker insurance policy is bought, you can’t reverse it without incurring some loss. Choose the one that benefits both you and the employee and spend time to find the right insurance policy.

It is quite easy to understand why you need to purchase coverage for your personal vehicle. You would like to safeguard your property as well as protect the lives of your dear ones. Moreover, it is compulsory by law in several States. But to know when to avail commercial insurance is a completely different fall fame altogether. However, there are some kinds of vehicle usage, which do not fall within the scope of a personal vehicle insurance policy. If you are an entrepreneur or a businessman and are using a vehicle exclusively for your business, then commercial vehicle insurance is needed. Moreover, when your vehicle has commercial tags, you must purchase a commercial coverage for it.

There are several instances when a businessman may be using the same vehicle for both pleasures as well as business. When your business owns a vehicle, you need to ensure that the. Business’s name appears on your policy not in your name but as a “principal insured”. Such a step will help remove confusions when you may require to file your claim or done files a claim against you.

Whether you should purchase commercial vehicle insurance in Singapore will also depend on the type of driving done by you. A reputable insurance agent will probe for detailed information about how your business uses the said vehicle, who will be the drivers and in case you have hired employees, whether they have the likelihood of driving their personal vehicles for your business.

Business use

You need to understand when a vehicle is known to be deployed for business use. A vehicle used for business is one that is used for commercial purposes for at least more than three times on an average during a period of 30 days. If you find they it is happening in your case, then commercial vehicle insurance is something that you should definitely go for.

What is defined as “business use”?

This is a crucial concept with respect to commercial vehicle insurance. When you merely use a vehicle to commute to and fro from your main workplace, it is regarded as commuting and you need not purchase a commercial policy. In fact, then the vehicle is required to be covered within the ambit of personal vehicle insurance. But when you are driving the same car to travel to clients? Offices or other job sites, vases based on how frequently you do it and your work type, you could be requiring commercial vehicle insurance .

Though the key coverage for the personal auto policy and its commercial counterpart may look same, both of them differ in several technical aspects. Contact your insurance agents to explain the distinctions properly.

Being an owner of a business and operating it efficiently means that you can be exposed to certain financial and legal risks. But you can protect your company and yourself by purchasing commercial liability coverage.

Defining commercial liability insurance

Your business needs liability insurance to safeguard its assets and to pay for the financial and legal obligations from time to time. For instance, when someone gets injured within the premises of your workplace, the expenses related to the person’s medical bills and other costs as the result of an accident can be covered by your commercial liability coverage. Moreover, such an insurance policy can also cover the legal fees for defending any lawsuits against your business and for settlement of cases.

Is it a necessity for your business?

On many occasions, it may feel that you can do away with liability insurance since it is not likely that your company will file a claim ever. But, contrary to what many people perceive commercial liability coverage is a cost-effective and a sensible investment. You should remember that if an accident takes place, it can harm your business both financially and legally. Such an unfortunate situation can occur at any time. So, in case you do not have commercial liability coverage, make sure that you purchase one on a priority basis.

Do you need commercial liability coverage for a home business?

There are some businesses that are operated from homes. So, the question is if you are one of those and have purchased homeowners coverage, does your business have protection against liability? The answer is in negative for sure. Home insurance does not include any form of business activity. However, you may require different kinds of protection, depending on your employees, customers or other business issues.

Thus the bottom line of this discussion is that a business can be a risky proposition. When you get the right liability policy, it can be helpful for any kind of challenges your venture may face. But different ventures will be associated with different kinds of risks. So, the same kind of insurance solution may not fit all the businesses. You can take the help of an expert to know what kind of commercial liability insurance is needed for your business.

While running your venture, you need to interact with vendors, clients, suppliers, contractors, employees and others. You never know who can make claims against your company. So, it is important for you to defend your business against such claims of bodily injury, property damage etc.

Allegiance can provide answers all your queries on commercial liability insurance related services or levy bond.

Low Maintenance Types of Upholstery

The whole look of the furniture in any room depends mostly on the upholstery that is used on it. Choosing the kind of upholstery that is most suited to ones needs can sometime be a mammoth task as there are many varieties of colours and textures to choose from. One of the major criteria that come into play while choosing upholstery is easy maintenance. Here are a few types of low maintenance upholstery Singapore.

Natural fibres are made from natural origin such as wool, jute, cotton, flax, etc. These fibres are anti-allergenic, friendly to the environment and can also breathe easily.

Cotton is soft and breathable material, it is also durable, easy to clean and comfortable. As the price is also not very high it is a very economical type of upholstery. Cotton blends can also be used to increase strength and durability of the fabric as well as to add texture to it.

Linen is another natural fibre that is usually used for upholstery and is a great choice for the living room. It is elegant, unpretentious and most importantly it is resistant to pilling and soiling.

Wool upholstery is the most versatile as they can vary in texture and pattern. It is a very sturdy and durable kind of fabric. Along with this, wool has very good resistance to fading, wrinkling, pilling and soiling. Wool is easy to clean and maintain and remains as beautiful as the first day for many years.

Synthetic fibres are more resistant to fading and staining than natural ones. Thus a blend between a natural fibre and synthetic one are most commonly used.

Acrylic fibres are soft and warm; they are usually very light but have a high resistance to wearing, wrinkling, fading and soiling. They retain their colour even if kept in the sun for a long time.

Nylon is one of the strongest fibres, when blending nylon with other fabrics increases its durability, stain resistance and reduces wrinkling.

Polyester like nylon is most commonly used as a blend. It is durable and strong and is resistant to exposure to sunlight.

Suede and leather may not technically be fabric but are increasingly being used in furniture. The major advantages of leather are that it is soft to touch, durable, can come in a variety of textures, and is very easy to maintain as it is stain resistant.

Leno urges Governor to take immediate action to stop the contamination of California homes

SAN FRANCISCO, CA— Highlighting a recent study showing that Californians have twice as much toxic halogenated fire retardants in our blood than the national average, Assemblyman Mark Leno urged the Governor today to take immediate action to stop the addition of these chemicals to furniture and baby products sold in California.  The findings, published in the academic journal Environmental Science and Technology on Wednesday points to California’s obscure furniture flammability regulation, Technical Bulletin (TB) 117 as the cause.

“This report confirms our worst fears about the chemical disaster in virtually every home in California,” said Assemblyman Leno. “TB 117 is poisoning our homes, our kids, and our mother’s milk with toxic fire retardants that cause thyroid hormone disruptions and damage the developing reproductive and nervous systems in infants and children.  I am urging the Governor to do everything in his power to stop it.”

The study, conducted by the Silent Spring Institute, UC Berkeley, and Harvard University, also found that dust in California homes is contaminated with the now banned halogenated fire retardant penta-BDE at 4 to 10 times the levels measured nationally and 200 times more than in Europe.  It can also be found in “nearly every species across the globe.”

Assemblyman Leno, along with advocates at Friends of the Earth, Making Our Milk Safe (MOMS), and firefighters have been fighting for the last two years to replace TB 117, a 1970’s era flammability standard responsible for the use of toxic fire retardants in baby products and furniture.  Leno’s AB 706, which failed passage under pressure from the chemical industry, would have replaced TB 117 with a new cigarette ignition resistance standard proposed by the U.S. Consumer Product Safety Commission, providing superior fire safety while eliminating toxic exposure.

“The Governor should order the immediate suspension of TB 117, require the Bureau to enforce the current ban on penta-BDE in imported furniture, accelerate the development of an alternatives assessment process in the Green Chemistry Initiative, and use alternatives assessment to look first at halogenated fire retardants found in furniture,” said Leno.

Virtually every Californian tested has been found to have fire retardants stored in their bodies, with babies showing the highest levels.  Halogenated fire retardants pass from mothers’ bodies to children during pregnancy and through breast milk. Levels of these chemicals have increased 40-fold in human breast milk since the 1970s. 

This increase coincides with the expanded use of fire retardants in order to comply with California’s TB 117. Previous studies have shown that elevated cancer rates among firefighters compared with the general population, likely result from workplace exposure to carcinogens like dioxins and furans, which are formed when PBDE fire retardants burn.