Ini dia Aneka Tips Cara Membersihkan Karang Gigi dan Plak secara Alami dan Memutihkan Gigi Kuning dengan cepat dan Mudah Baca Selengkapnya - Memiliki gigi putih, bersih dan bebas dari plak merupakan dampan setiap orang. Gigi yang sehat membuat seseorang menjadi lebih percaya untuk berkomunikasi, baik dengan sahabat atau rekan kerja.
Namun, tidak sedikit orang yang mempermasalahkan karang gigi yang sukar hilang. Karang gigi dan plak merupakan dua masalah pada gigi yang dapat membuat seseorang menjadi kurang percaya diri.
Karang gigi dapat menyebabkan berbagai masalah pada mulut dan gigi, seperti bau mulut yang tidak sedap, gigi berlubang dan membuat gusi berdarah. Sebab, karang gigi merupakan tempat yang nyaman bagi kuman untuk bersarang. Selain itu, karang gigi juga tempat bakteri melekat pada gigi, sehingga mengakibatkan hilangnya gigi selain gigi berlubang.
Tahukah jika karang gigi juga dapat memicu penyakit jantung? Pasti setiap orang tidak ingin mengalami hal tersebut. Untuk itu, berikut ini ada beberapa tips untuk mengatasi karang gigi dan plak yang mengganggu.
Sikat Gigi Minimal 2x sehari
Menggosok gigi dua kali sehari, di pagi hari sesudah sarapan dan sebelum tidur dapat mencegah karang gigi dan plak. Selain itu, perlu diperhatikan juga agar menggosok gigi dengan benar agar hasilnya maksimal. Gosok gigi bagian atas ke bawah, dari kanan ke kiri. Jangan lupa untuk membersihkan gusi dan sisa makanan yang menyangkut pada sela – sela gigi seusai makan. Tak hanya itu, berkumur dengan cairan pembersih mulut dapat menambah kebersihan gigi, sehingga gigi tampak menjadi putih dan bersinar.
Batu Bata dan Arang
Batu bata dan arang sudah sejak dahulu digunakan oleh orang pedesaan sebagai pengganti pasta gigi dan terbukti ampuh membuat gigi terlihat putih. Caranya, tumbuk batu bata atau arang hingga menjadi bubuk, kemudian gosokan pada gigi dengan tangan atau dengan sikat gigi. Setelah itu, kumur dengan menggunakan air hingga bersih.
Biji Asam
Ternyata biji asam juga dapat membersihkan karang gigi dan plak. Caranya, siapkan biji asam kawak atau yang sudah lama disimpan. Cuci bersih, lalu tiriskan hingga kering. Kemudian sangrai sampai matang, lalu haluskan menggunakan blender atau bisa juga ditumbuk. Nah, setelah menjadi bubuk, gunakan sebagai pengganti pasta gigi seperti sedang menggosok gigi. Jangan lupa berkumur ya!
Buah Apel
Selain mendapatkan nutrisi yang dikandungnya, mengkonsumsi buah apel juga dapat membersihkan gigi dari plak dan karang gigi. Yuk mulai dari sekarang konsumsi buah apel, agar gigi tetap bersih dan putih.
Cengkeh
Caranya, ambil 7 buah cengkeh, lalu tumbuk hingga halus atau bisa menggunakan blender. Kemudian, gunakan bubuk cengkeh sebagai pengganti pasta gigi. Selain dapat digunakan sebagai pengganti pasta gigi, bubuk cengkeh juga dapat digunakan untuk berkumur, setelah itu baru sikat gigi.
Nah, itulah tadi tips membersihkan gigi dari karang gigi dan plak dengan bahan alami. Jadi, kebersihan gigi patut dijaga, minimal dengan menggosok gigi dua kali sehari dan rajin memeriksa kebersihan gigi dari sisa makanan. Untuk membersihkan sisa makanan dapat dilakukan dengan cara mengkonsumsi buah dan sayuran yang berdaging renyah dan berserat seperti apel.
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How Much Loan Can You Get For Your HDB flat?
While I was looking through my Facebook news feed last week, I came across a feed by someone who said he bought a $400K+ 5 room HDB flat only to find that he was only eligible for a loan of $200K+. The thought of coming up with $200K+ of cash is scary for any young couples who will be getting the keys to their HDB flat soon. So why was the loan eligibility so low? The answer: "both husband and wife are self employed."
Being a self employed, it can be harder to prove the income that you receive thus affecting your loan eligibility. We'll discuss more on the situation and what we can do to overcome it.
Process of applying for loan from HDB
Before we dive deeper into the situation of the self employed couple who didn't manage to secure a full loan, let's look at the process in applying for a loan from HDB.
Here's how the loan process works:
Before you apply for a BTO flat, you'll be required to submit a HDB Loan Eligibility (HLE) Letter. From February 2015, buyers must produce the HDB Loan Eligibility letter when they book their flat and not at the signing of agreement which is 4 months later.
Once your application for HLE has been approved, you can proceed to apply for your flat.
Your HLE letter is only valid for 6 months
Most BTO flats take 2-3 years before they are completed so your 1st HLE will no longer be valid.
You'll be required to apply for a 2nd HLE. This is the important stage. If your HLE application does not cover 90% of HDB purchase price at this stage, you are required to top up by CPF/cash
If you are unable to top up, you will have to either take a bank loan or forfeit your flat and lose the 5% down payment you paid plus other initial cost
Applying for HDB loan as a self employed
If you're a self employed, applying for a HDB loan can be more complicated as compared to an employed person. Self employed can mean you own your own business or you're working as a freelance such as teaching private tuition etc.
As a self-employed applicant, you'd need to prepare the following documents to prove your income for the loan application:
a) Valid Accounting & Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or Valid license of business / trade; and
b) Latest Notice of Assessment from IRAS or Certified Annual Statement of Accounts from an audit firm; and
c) Credit bureau report#; and
d) Latest 12 months’ bank statements/passbook.
Where is the problem?
The problem will come when you cannot prove your income to HDB accurately. By accurately, it means do you have prove of your income and that you have the means to afford that flat you're buying?
For example, you may be teaching tuition on a full time basis and most parents or your students will pay you cash. If you do not deposit the money into your bank account, there is no way to prove that you actually did make that income you declared to HDB. Let's see how we can solve this problem.
How to get the loan you required for your HDB flat?
1. Credit your income into your bank account
For an employed person with CPF contributions, it is much easier to get the loan you required as you just need to provide latest 3 months payslip and latest 15 months CPF contribution history. All these information can be retrieved easily.
For all others without a fixed monthly income, the general guideline is you need to provide latest 12 months bank statements/passbook. Therefore, always remember to credit the income you receive from any sources especially 12 months before you apply for the HLE.
2. Declare your income accurately to IRAS
Another information that you need to provide to HDB for the HLE is your latest notice of assessment from IRAS or certified annual statements of accounts from an audit firm. If you're a business owner and have proper accounts and income tax declared accurately, it won't be much of a problem securing your loan.
However, if you're doing other freelance services on an individual basis, make sure you declare your income accurately to IRAS for tax purposes. You can't be saying you earn $3000 when your income declared is only $1000.
3. Take note of your other loans
If you have other loans such as student loans, car loans or credit card debt, it'll affect the loan eligibility you'll get as well. One thing to take note of is the Total Debt Servicing Ratio (TDSR). It is at 60% currently. This means you can only take a maximum of 60% of your gross monthly income to pay for all loans. This include all your other loans such as car loans, credit card debts, students loans and personal loans etc.
4. Know how much loan you are eligible for
It is easy to plan ahead and know how much loan you're eligible for so you do not get a shock later. On the HDB website, they have a enquiry on maximum loan calculator where we can key in some of our details and know the estimated loan we're eligible for.
If you're self employed with a combined income of $6000, the maximum loan eligibility should be the same as long as you can prove your income accurately for the latest 12 months instead of just 3 months for an employed person.
source : gyounginvestment.blogspot.com
A maximum of 30% of your gross monthly income can go into home loan repayments currently. If you earn $3000, only $900 can be used to pay for your housing loan. This is known as the Mortgage Servicing Ratio(MSR). That is how the loan eligibility is calculated.
How Much Loan Can You Get For Your HDB flat? I hope this post has given you a clearer understanding of the loan process and the eligibility criteria. Now you can embark on your house hunting with a peace of mind.
Karang gigi dapat menyebabkan berbagai masalah pada mulut dan gigi, seperti bau mulut yang tidak sedap, gigi berlubang dan membuat gusi berdarah. Sebab, karang gigi merupakan tempat yang nyaman bagi kuman untuk bersarang. Selain itu, karang gigi juga tempat bakteri melekat pada gigi, sehingga mengakibatkan hilangnya gigi selain gigi berlubang.
Tahukah jika karang gigi juga dapat memicu penyakit jantung? Pasti setiap orang tidak ingin mengalami hal tersebut. Untuk itu, berikut ini ada beberapa tips untuk mengatasi karang gigi dan plak yang mengganggu.
Sikat Gigi Minimal 2x sehari
Menggosok gigi dua kali sehari, di pagi hari sesudah sarapan dan sebelum tidur dapat mencegah karang gigi dan plak. Selain itu, perlu diperhatikan juga agar menggosok gigi dengan benar agar hasilnya maksimal. Gosok gigi bagian atas ke bawah, dari kanan ke kiri. Jangan lupa untuk membersihkan gusi dan sisa makanan yang menyangkut pada sela – sela gigi seusai makan. Tak hanya itu, berkumur dengan cairan pembersih mulut dapat menambah kebersihan gigi, sehingga gigi tampak menjadi putih dan bersinar.
Batu Bata dan Arang
Batu bata dan arang sudah sejak dahulu digunakan oleh orang pedesaan sebagai pengganti pasta gigi dan terbukti ampuh membuat gigi terlihat putih. Caranya, tumbuk batu bata atau arang hingga menjadi bubuk, kemudian gosokan pada gigi dengan tangan atau dengan sikat gigi. Setelah itu, kumur dengan menggunakan air hingga bersih.
Biji Asam
Ternyata biji asam juga dapat membersihkan karang gigi dan plak. Caranya, siapkan biji asam kawak atau yang sudah lama disimpan. Cuci bersih, lalu tiriskan hingga kering. Kemudian sangrai sampai matang, lalu haluskan menggunakan blender atau bisa juga ditumbuk. Nah, setelah menjadi bubuk, gunakan sebagai pengganti pasta gigi seperti sedang menggosok gigi. Jangan lupa berkumur ya!
Buah Apel
Selain mendapatkan nutrisi yang dikandungnya, mengkonsumsi buah apel juga dapat membersihkan gigi dari plak dan karang gigi. Yuk mulai dari sekarang konsumsi buah apel, agar gigi tetap bersih dan putih.
Cengkeh
Caranya, ambil 7 buah cengkeh, lalu tumbuk hingga halus atau bisa menggunakan blender. Kemudian, gunakan bubuk cengkeh sebagai pengganti pasta gigi. Selain dapat digunakan sebagai pengganti pasta gigi, bubuk cengkeh juga dapat digunakan untuk berkumur, setelah itu baru sikat gigi.
Nah, itulah tadi tips membersihkan gigi dari karang gigi dan plak dengan bahan alami. Jadi, kebersihan gigi patut dijaga, minimal dengan menggosok gigi dua kali sehari dan rajin memeriksa kebersihan gigi dari sisa makanan. Untuk membersihkan sisa makanan dapat dilakukan dengan cara mengkonsumsi buah dan sayuran yang berdaging renyah dan berserat seperti apel.
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About Loan
How Much Loan Can You Get For Your HDB flat?
While I was looking through my Facebook news feed last week, I came across a feed by someone who said he bought a $400K+ 5 room HDB flat only to find that he was only eligible for a loan of $200K+. The thought of coming up with $200K+ of cash is scary for any young couples who will be getting the keys to their HDB flat soon. So why was the loan eligibility so low? The answer: "both husband and wife are self employed."
Being a self employed, it can be harder to prove the income that you receive thus affecting your loan eligibility. We'll discuss more on the situation and what we can do to overcome it.
Process of applying for loan from HDB
Before we dive deeper into the situation of the self employed couple who didn't manage to secure a full loan, let's look at the process in applying for a loan from HDB.
Here's how the loan process works:
Before you apply for a BTO flat, you'll be required to submit a HDB Loan Eligibility (HLE) Letter. From February 2015, buyers must produce the HDB Loan Eligibility letter when they book their flat and not at the signing of agreement which is 4 months later.
Once your application for HLE has been approved, you can proceed to apply for your flat.
Your HLE letter is only valid for 6 months
Most BTO flats take 2-3 years before they are completed so your 1st HLE will no longer be valid.
You'll be required to apply for a 2nd HLE. This is the important stage. If your HLE application does not cover 90% of HDB purchase price at this stage, you are required to top up by CPF/cash
If you are unable to top up, you will have to either take a bank loan or forfeit your flat and lose the 5% down payment you paid plus other initial cost
Applying for HDB loan as a self employed
If you're a self employed, applying for a HDB loan can be more complicated as compared to an employed person. Self employed can mean you own your own business or you're working as a freelance such as teaching private tuition etc.
As a self-employed applicant, you'd need to prepare the following documents to prove your income for the loan application:
a) Valid Accounting & Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or Valid license of business / trade; and
b) Latest Notice of Assessment from IRAS or Certified Annual Statement of Accounts from an audit firm; and
c) Credit bureau report#; and
d) Latest 12 months’ bank statements/passbook.
Where is the problem?
The problem will come when you cannot prove your income to HDB accurately. By accurately, it means do you have prove of your income and that you have the means to afford that flat you're buying?
For example, you may be teaching tuition on a full time basis and most parents or your students will pay you cash. If you do not deposit the money into your bank account, there is no way to prove that you actually did make that income you declared to HDB. Let's see how we can solve this problem.
How to get the loan you required for your HDB flat?
1. Credit your income into your bank account
For an employed person with CPF contributions, it is much easier to get the loan you required as you just need to provide latest 3 months payslip and latest 15 months CPF contribution history. All these information can be retrieved easily.
For all others without a fixed monthly income, the general guideline is you need to provide latest 12 months bank statements/passbook. Therefore, always remember to credit the income you receive from any sources especially 12 months before you apply for the HLE.
2. Declare your income accurately to IRAS
Another information that you need to provide to HDB for the HLE is your latest notice of assessment from IRAS or certified annual statements of accounts from an audit firm. If you're a business owner and have proper accounts and income tax declared accurately, it won't be much of a problem securing your loan.
However, if you're doing other freelance services on an individual basis, make sure you declare your income accurately to IRAS for tax purposes. You can't be saying you earn $3000 when your income declared is only $1000.
3. Take note of your other loans
If you have other loans such as student loans, car loans or credit card debt, it'll affect the loan eligibility you'll get as well. One thing to take note of is the Total Debt Servicing Ratio (TDSR). It is at 60% currently. This means you can only take a maximum of 60% of your gross monthly income to pay for all loans. This include all your other loans such as car loans, credit card debts, students loans and personal loans etc.
4. Know how much loan you are eligible for
It is easy to plan ahead and know how much loan you're eligible for so you do not get a shock later. On the HDB website, they have a enquiry on maximum loan calculator where we can key in some of our details and know the estimated loan we're eligible for.
If you're self employed with a combined income of $6000, the maximum loan eligibility should be the same as long as you can prove your income accurately for the latest 12 months instead of just 3 months for an employed person.
source : gyounginvestment.blogspot.com
A maximum of 30% of your gross monthly income can go into home loan repayments currently. If you earn $3000, only $900 can be used to pay for your housing loan. This is known as the Mortgage Servicing Ratio(MSR). That is how the loan eligibility is calculated.
How Much Loan Can You Get For Your HDB flat? I hope this post has given you a clearer understanding of the loan process and the eligibility criteria. Now you can embark on your house hunting with a peace of mind.
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