1 in 2 Shower Gels are Hazardous

What is a necessity when it comes to taking a shower? Many people will respond with soap or shower gels, as it is deemed as an essential need when trying to clean your body. Do we know what is in our shower gel products? Are we causing more harm than good?

The Hong Kong Consumer Council tested 60 bath products and gathered some alarming results. Many of the products were well known brands in Hong Kong.

  • More than half of the products had the contaminant dioxane. Dioxane is irritating to the skin, eyes and respiratory system. Under normal use, it will not pose a health threat to consumers.
  • 23 models detected the sensitizing preservatives MIT and CMIT. These common preservatives are found in many liquid care products, and have been linked to lung toxicity, allergic reactions and possible neurotoxicity.
  • 7 samples detected the sensitizing free formaldehyde. Free formaldehyde can cause dermatitis if it reaches 0.02% to 0.03% in cosmetics. if the skin has a wound, a small amount may already cause a sensitive reaction on the skin.

Can we trust the products that are stocked on the shelves of markets? The short answer is that we must take our own action to become more educated on the matter and make better choices. For the benefit of your family, you can use our platform 1Source to analysis ingredients quickly and efficiently.

The following products are non-allergic shower gels that were carefully selected by the Consumer Council. Most of which are very consistent with our Potential Risk Index. Please check the ingredients of each product to determine whether your skin is compatible with it. To view a product’s ingredient list, simply click on the picture.

1Source View

There are many ingredients that the consumer needs to be aware of. The ones mentioned in the articles can be hazardous and should be avoided. Other ingredients that should be avoided:

Credits:
https://www.consumer.org.hk
https://shopsmart.org.hk/shopsmart/index.php/Mobile/Shopping/viewReport?module=1&first_cate_id=20400&product_id=118&attribute_id=3&report_id=167

5 Tips For Buying Kid-Friendly Furnitures

There’s a common misconception that it’s notoriously difficult to shop for children’s furniture. To that, I can say most people just don’t know what to look for. Most parents don’t think too much about proper kid’s furniture because they think it’ll only last for a couple of years before those are outgrown and need to be replaced. But the right furniture for children can really help them go through their developmental stages smoothly. And while it’s true that children’s furniture don’t have the same usability as those intended for adults, good quality pieces can be handed down to younger siblings, relatives, or sold as pre-owned furniture. For those curious enough below are a few basic tips you need to consider when choosing kid-friendly furniture.

1. Safety Considerations

When it comes to children’s furniture, you might want to go for pieces that are bright, fun, and funky. Or you might want to reuse a family heirloom that’s been passed from your parents and now you’re thinking of letting your children use it as part of a tradition. And while style and sentimentality have a huge factor in choosing children’s furniture, you also have to take into consideration the safety aspect.

Kids have very little regard for safety. They are at a stage in their development where they are curious and like to sample and try out everything they can get their little hands on. Playtime is also a major part of their lives as it teaches them important skills, not to mention help them develop physically. It only makes sense that you get the furniture that is not only functional but safe.

Vintage, antique, or pre-used furniture that you’re thinking of getting for your kids should conform to modern safety standards. Make sure that antique or pre-used beds don’t have missing slats or come with rails that are sturdy and don’t easily come off. They should be no more than 2 3/4 inches apart. Victorian-era high chairs might fit into your house motif perfectly but they’ll need to be equipped with safety straps if you plan on using it to seat a toddler.

The type of material is also another safety consideration you need to keep in mind in selecting children’s furniture. Glass tables might be trendy but breakable materials don’t mix well with children. Also, furniture intended for use by children should be non-slip. Make sure that tables that are used for placing hot food and drink on should not be easily moved or pushed over.

2. Appropriate Material

Choosing the perfect kid’s furniture is more than just theme, style, and color. You need to pay attention to the type of material they’re made of. When shopping around at beddingnbeyond, it’s helpful if you keep in mind that furniture pieces for children should be sturdy and easy-to-clean.

Plush fabric, similar to stuffed animals, is something that many children find cozy and comfortable. Pieces made from this material are perfect for the bedroom or playroom. The material is safe, comfortable, and lightweight making it easy for children to drag the furniture around.

Wood is also another option for kid-friendly furniture material. Known for their sturdiness and durability, wood is the preferred material for cribs, tables, and chairs. Wood is also quite easy to customize by simply painting it with a color that matches the theme of the room or the favorite color of your child. It’s also very easy to maintain wooden furniture pieces and it’s almost guaranteed that wooden furniture pieces last for a long time.

Wicker is another material that is lightweight and classically stylish which makes it a great option for kids’ furniture, especially as a storage item. Toy basket and chest can be made from wicker as the construction is light enough for small hands to open and close, or drag around. Furniture pieces like tables and chairs can also be made from wicker since it is well-known for being durable and can stand up to heavy use.

A lot of furniture pieces made from canvas have been trending in recent years. The material is strong, lightweight, and stylish. They can be perfect for bins, trays, and baskets to hold children’s stuff. Canvas can be combined with other material such as wood and wicker. The only downside to this material is it might need occasional cleaning and washing since it picks up dirt and stain easily.

3. Choosing a Bed

The moment your child gets to around 35 inches tall or strong enough to be able to climb out of the crib, it’s time for them to have their own furniture. Several beds are made specifically for toddlers in mind, around 18 to 24 months. Getting their own furniture, like a bed, helps transition their mindset that they’re not babies anymore. Beds for toddlers are the perfect size for them to get in and out of bed without any assistance, which helps to encourage a feeling of independence.

These beds are usually low to the ground and can hold a crib mattress so you don’t have to get a new one for the toddler bed. A toddler bed can also be a great way to help them adjust more smoothly into a bigger bed a couple of years down the line. These beds usually come equipped with side rails to prevent them from rolling out of bed.

For older children, twin beds would be a perfect bed size. Some twin beds even cope with storage underneath which helps to maximize the limited space of the room. There are options for a more classic design like canopy and sleigh beds to bed designs that lean more towards the whimsical.

For siblings, a trundle bed that features a second mattress that slides underneath is a great way to maximize a child’s room. Bunk beds are also a great way to create amazing memories between siblings and, as a bonus, allow for more room for other furniture that they need. Make sure to check that the bunk bed has a sturdy ladder and comes with guardrails. Bunk beds should only be for children seven years old and older. Another space-save kid-friendly furniture is a loft bunk bed that includes a desk, shelves, or futon on the first level and a bed above.

4. Storage Options

Now that the bed is out of the way, let’s move on to storage. Growing children will need a lot of storage in their room, sometimes more than what adults need. Transitioning from different stages of development will mean they will quickly outgrow a lot of the stuff they have which needs to be stored either in their room or somewhere else.

A great tip when it comes to kids’ storage furniture is choosing one that serves multiple purposes. For example, bookshelves don’t have to be used just for books along. It can also be used to store dolls, toys, board games, stuffed animals, art projects, and trophies that can all be displayed on bookshelves. Bins and baskets that are kept in closets or bookshelves can be used for added storage. Coat racks can be used not just to keep jackets and coats but can also be somewhere to hang their backpack.

Beds that offer storage underneath also helps to keep children’s rooms tidier. You can store clothing that they’ve outgrown here or even toys they no longer find interesting. Once it’s time to do spring cleaning, you know where you can find your children’s things you can throw out or donate.

Bins for toys placed along the walls or at the foot of their bed is also another solution for making cleaning up easy and fast. Dressers are usually meant for holding clothes but you can easily set aside a drawer for toys.

But the best solution to maximize storage in kids’ rooms and keeping their rooms organized and neat is to encourage them early on to be organized. Getting them storage like bins and dressers that they can use on their own will help them be more mindful of their own things and where to store them.

5. Desk and Tables

As toddlers begin to walk around on their own, they might feel like everything is giant-size. If you want to give them a place to play or work that is just made for them, you can get them a kids’ table and chair. These are great places to play mages, eat snacks, or make crafts. You’ll soon realize that children’s furniture requires very little maintenance since this furniture is made to withstand playful kids. A quick wipe down of the table and chairs every now and then is all that you need to keep it clean and tidy.

To encourage reading among children, you can choose to go with a rocking chair in their room, right beside their bookshelf. A kid’s bean bag is also another way to make their room a lot more comfortable. They can use it as a regular chair but it can also be a great place to take a nap.

Kids’ chairs and tables placed outdoors is a great way to encourage children to spend time on the deck or patio. Most of these types of chairs come in a variety of styles and colors that can match your other furniture. There are also options for tables and chairs made for kids that are available in fun and exciting themes that match their emerging tastes. You can go to a table decorated with sports themes, animals, or princess.

For older children who spend a lot more of their time doing schoolwork, a good desk is an ideal furniture to create a schoolwork zone in their room. A computer desk is perfect if you plan on getting them their own computer. If they’ll be using a laptop, any kid’s desk will do. Make sure you ask their input as to the style and color of the desk they prefer. You can also suggest ones that match the decor of their room for cohesiveness.

It would do well if you choose a desk or table that is easy to clean and comes with a lot of storage. And with their own desk, you should also think about getting them a desk lamp for task lighting.

你想要財務自由嗎?

你對現有的生活方式滿意嗎?

你有沒有想過, 如果朝早睡醒起身可以返工又得,
唔返工又得, 都無需要擔心會不會有收入,  你覺得這種感覺好唔好呢?

什麼是財務自由?

財務自由,意味著您可以在沒有定期收到薪水的情況下保持理想的生活方式。

財務自由,令你有绝對的自主,去用你的時間、你的人生來做你真正想做的事。

你和我,像大部份人樣(除非你是富豪的後代,所謂的含著銀匙羹出世的富二代),都是要經過一個努力奮鬥的階段,才能達至財務自由的。

階段1)沒有自由

每個人都可以通過尋找工作來換取薪水這個階段來開始旅程。在這個階段,每個月都需要一份工作和可靠的收入來支付我們生活所需。

階段2)臨時自由

要想進入財務自由的臨時階段,你必須控制自己,令你花的錢少於你的收入,並創造一個儲蓄池。否則,您將被迫無限期地繼續工作,因為你的生活方式取決於您的就業收入。當您開始節省一部分收入時,你可以將你的儲蓄投資於多元化的投資組合,以產生固定的收入來源。或者,你可能會創業,創造另一種收入來源。

你的自由與你的儲蓄一起增長。最終,你將獲得足夠的資金,以便能夠輕鬆地轉換工作,開創企業,返回學校進修,或去環遊世界旅行一年,這個財務自由階段可能包括重大的生活變化,但仍不是永久性的。你的自由是暫時的,因為你的儲蓄會隨著時間而耗盡,迫使你再次工作以賺取收入。

階段3)永久自由

在此階段,你的非就業或被動收入總額超過您的總開支,你不再需要雇主的穩定薪水!
你可能擁有可靠的副業和/或投資組合,可產生足量收入。

對的,副業仍是勞動收入。你仍是在用你的時間換錢。但是,我的假設是:  到這個階段,你的副業是你喜歡做的事,是令你感到滿足或你覺得有意義的事。

被動收入 ≥ 支出  =  財務自由

這個的公式中有兩個變量:  1. 被動收入  和  2. 支出

說出來很容易, 很簡單:  就是當你的被動收入大過或等如你的支出的時候,你財務上面就已獲得自由了。               

舉一個例,阿德每個月要用的錢是2萬5千,那麼一年就是30萬,如果阿德做到
10% 的投資年回報 , 而阿德有300萬本金的話,就像有一隻金鵝,每年可以為他生出足夠的金蛋,
令他再沒必要為生活上的需要而擔心。

有什麼可以為我們產生被動收入, 使我們可以不需要工作,
甚至在睡覺時, 都在賺錢的呢? 舉個例, 如收租物業,
收租的車位, 或者有個的士牌可以租出去, 或者是持有一些債券,
或一些穩定派息的股票, 與房地產信託基金等等, 都是一些能夠提供被動收入的工具。 當你的被動收入, 到一個價值, 已經高過你的開支時,
你就會像阿德一樣, 財務上面可以自由了!

 你可能在想:誰不想擁有出租物業? 但擁有租賃物業需要很多錢,而我的收入微薄。
如何能夠購買產生被動收入的資產呢?

  一步步致富

所謂「萬丈高樓從地起亅, 你想開始養一隻會幫你生金蛋嘅金鵝,
簡單來說, 有兩個方法:

  1. 增加你的收入

巴菲特年輕的時候 , 就是靠清晨出去派報紙,  來開始賺他的第一桶金的。 想想看,
你有沒有一些才能或者是多出來的時間, 可以用來做一些副業,
去增加你收入的呢?

除了增加收入之外,
還記得 我們的財務自由公式裏面,
其中一個變量就是我們的支出。 如果我們有辦法可以減少我們的支出,
那麼我們每個月省下來, 可用於儲蓄和投資的資金就會更多:   

  •   減省你的開支       

來,
試試給自己一個挑戰: 想想看,你有沒有辦法, 可以減低你的消費,
而不降低你的生活質素的?  

每天離家出外工作時,
會不會讓家裏的電腦一直在運行而沒有關掉呢? 香港的電費很貴,
這樣一來, 每個月花費在電費上的不必要開支, 其實是可以省下來作為你的儲蓄的。

思考並找出一些方法,
如果每天能省下100元, 一個月就能夠節省3,000元,
這樣的話, 你就可以開始建立你的資金池, 有彈藥開始作你的投資,
為你的將來作出更好的準備了。

在下面的圖1裏, 可以看到,
如果阿德從26歲開始, 每月儲蓄5,000元,
而每年有 8% 的年回報,  10年之後, 即阿德36歲,
他已經擁有超過100萬的資產 但係同樣地每月儲5,000元,
如果遲了10年開始, 即是36歲才開始的話,
到65歲退休的時候, 第一個情況, 他會有超過1,600萬的資產,
而遲了10年開始, 所累積的資產就只有700多萬,
你看, 相差了一半也不止呢!

反過來說, 如果我們等待我們的收入更高時才開始,
比如說等到46歲, 晉升為高管才每月儲蓄雙倍(1萬元)
的話, 這樣到65歲退休時, 所能累積的資產,
就連600萬都不到。 其實時間是可以幫我們大大增加財富累積的威力的,
這就是我們經常聽到的Compound Effect複息效應的威力了。

可能你心裏會問, 在哪裏可以找到每年8%
的回報呢? 由於篇幅的關係我們留待下一次再探討這個問題, 不過可以簡單的告訴你,
其實要做到這樣的回報, 並不是太困難的。 其實最困難的,
是我們要有這個恆心每個月去儲蓄, 我們才有彈藥可以去做投資, , 才可以讓我們的財富,
好似雪球一樣, 越滾越大。

如果我們每個月有定期儲蓄和投資的良好習慣, 我們會發覺,
我們不只會有長遠的財務自由, 好快, 我們便會有消費的自由。 意思就是, 我們所儲蓄的錢,
我們的金鵝, 會愈養愈大, 幫我們生的金蛋,
也越來越多。 舉例來說, 如果你喜歡旅行,
你有每月儲蓄5,000元的習慣的話 從第二第三年開始,
你已經可以每年去一個免費的旅行, 這就是你養的金鵝, 送給你的禮物。 每年能夠免費去旅行, 你你會開心嗎?

投資的最佳建議是盡早開始。 當然,每個人在財務上的處境不同,並不是每個人都準備好開始投資。 例如,擁有信用卡債務的人在投資前應專注於償還債務。但如果你已有一些可以投資的資金,你最好盡快開始。

當你意識到你的生活已經不再受金錢限制時,是一種多麼美妙的感覺! 

實現財務自由, 你的人生, 自己掌控!

 

圖1:

財富管理 Blogger:
Monica   楊梁婉芬    
MBA, MSc, CFP, CPB, CWM

聯繫方式:

+(852) 5628-5626