Installation & Maintenance Instructions For ‘S’ Series Hot Water Boilers

Pensotti Quality Heating Boilers and Panel Radiators

PNA, Inc. is proud to supply you and our network of dealers with the high quality PENSOTTI Model ‘S’ Cast Iron Boiler throughout the North American marketplace. We are confident that your purchase of the PENSOTTI home comfort package will provide years of efficient, economical, trouble-free operation.

"Quality remains long after the price is forgotten".

The PENSOTTI ‘S’ boiler is a high efficiency residential heating appliance that provides maximum energy utilization and the highest efficiency, without the maintenance and operations problems and high purchase and installation costs of condensing boilers.

Fuel cost savings can only be achieved by matching the PENSOTTI ‘S’ boiler to the true heat loss of your residence. During the past couple of decades, the trend towards improving wall and ceiling insulation levels and eliminating air infiltration by caulking and weather-stripping, has made most existing heating appliances oversized.

When you purchase a PENSOTTI home comfort system your new appliance will be sized on the basis of the new heat loss calculation. This will ensure that your new PENSOTTI home comfort system will deliver only the amount of heat required to match your actual home’s heating demand. We want to provide you with the maximum comfort level achievable combined with the highest fuel cost savings.

The following are useful bits of information presented under a series of sub-headings.

Annual Fuel Utilization Efficiency (A.F.U.E.)

The A.F.U.E. is a measure of the estimated ability of a heating appliance to extract heat from the fuel, based on a full heating season. The A.F.U.E. increases as the burner on time increases until it reaches ‘steady-state efficiency’. Steady state is the efficiency of the appliance measured when the burner is running. Any time the burner cycles on and off, the A.F.U.E. drops because of "off-cycle" losses. The A.F.U.E. drops most sharply when the heating plant operates between 10 and 30% burner on time. An increase in the percentage of burner on time improves the A.F.U.E.

A General Comment

 The PENSOTTI Model ‘S’ boiler is a high quality, efficient oilfired heating appliance, which must be installed and serviced by a trained and if required licensed service technician. Oilfired installations should be installed in accordance with NFPA31 and NFPA211 when no local code is in effect. Be sure that the installation is according to all National, State and local codes and authorities having jurisdiction over heating, electrical, plumbing and oil burner systems. Read Full Content  (PDF)

Anti-Fraud Organization Tokyo, Japan Purpose

Generally Japan Japan Company Trust, by providing a real proof of Japanese companies overseas, the company's confidence in the more reliable ones, to help to advance the business smoothly, contributing to the development of international trade in Japan it aims at.

Now that online business has become the mainstream, jumping over the border if they have PC, it enables a wide variety of transactions, is no longer a business is a global era. But along with also high risk that at the same time easy to get involved in Internet fraud. Since online business is not a face ­to­ face transactions, it will not be able to check only the presence of the other companies only in the image and description of the web site.

So, JCTO is confirmed by the or a commercial copy of the registration or the like exists in the location that has been posted on the web site without any business in Japan is a mistake, we will provide information the information of the business in the web site. In addition, by posting JCTO trust seal to your web site, you can appeal your company's reliability. The company side of the overseas by doing so it is possible to prevent in advance the fraudulent trouble, also enterprise side of Japan will be able to provide the peace of mind and confidence. JCTO in both, we believe that it is possible to provide a safety and reliable business.

Harmony Chinese Takeaway Review: Top Class Chinese Food in Southbourne

There were a lot of reviews about Harmony Chinese Takeaway available on the internet, and to add further details about the takeaway restaurant, this particular post will provide the experience and feedbacks of individuals who traveled a long way just to order the foods of the restaurant, in short, patience and determined visitors from various areas.

We gathered their reviews and one said that the foods at Harmony were the best on Christmas Eve. Many families enjoy Chinese foods on such occasion and we found out that recommendations from different customers brought them to the restaurant to try it out. For those people, Christmas is not the same without the top quality Chinese food of Harmony Chinese Takeaway.

A certain review also explains how it was spotlessly clean at the takeaway and how they received a warm welcome from the staff. Most of them never imagined that Harmony follows high standards when it comes to their food. They were moved by how the staff always gives them a good chat because they never thought that taking their order would turn out into a meaningful conversation with different people.

There’s also this review that tells how kind the staff was. His friend was in a wheelchair that time and the staff did not think twice in helping them get into their car. They praised the excellent customer service of Harmony Chinese Takeaway. This takeaway has more than your favorite food but it also has a friendly mood inside with a polite and honest staff.

Reviews also reveal that the food was still hot even after they got home and the rich flavor was evident in each bite. “Delicious”, “very tasty”, “mouthwatering”, “it melts in your mouth” – these words were very common in any Harmony Chinese Takeaway food reviews.

Most customers who made those reviews about the takeaway restaurant promised to come back again, and they said that Harmony will be seeing a lot more of them because of its great food. With their recommendations to their family and friends, the restaurant is palpably getting more customers each day from different places.

Tokyo Oriental Consultants Limited: Management Policies (I-Plan)

I-Plan (1): Time to be a truly attractive company

Towards a truly attractive company

• An attractive company is one in which the management, employees and their family members feel a sense of prosperity and happiness, and proactively work toward greater customer satisfaction and a higher level of social contribution.

• We will endeavor to become a truly attractive company that seeks to achieve higher levels of public and customer satisfaction and make greater contributions to society.

"Dedication and self-fulfillment" as our driving forces

• Dedication and self-fulfillment are the driving forces that enable the management, employees and their family members to feel prosperity and happiness. Dedication and self-fulfillment also generate a virtuous cycle of personal development and corporate growth.

• We will manage the company in such a way as to boost staff dedication and self-fulfillment as driving forces for our evolution into a truly attractive company.

OC Global as one driving force for ACK Group

• Oriental Consultants Global does more than contribute to the ACK Group’s financial performance. It also creates new businesses, leads technical development and sophistication, and supplies human resources for many different functions in the Group.

• In all aspects we will act as a driving force of the Group in order to form an attractive corporate group.

Relationship between staff satisfaction, customer satisfaction and social contribution

Genuine customer satisfaction and contributions to society are realized when the services are born from the passion of employees. This is why we believe that greater staff satisfaction leads to true customer satisfaction and social contribution.

What is prosperity?

Prosperity in these management policies collectively refers to a sense of achievement, contentedness, ample time and material and economic well-being.

Feeling of prosperity

• We will secure and nurture competent human resources, enhance various programs and improve the working environment to enable executives, employees and their family members to feel a greater sense of prosperity and happiness.

• This feeling of prosperity and happiness will heighten motivation, dedication and self-fulfillment.

Personal development

• We will forge ahead with developing technologies and services to build unrivalled quality and technical abilities and sales strengths, and to help individuals develop themselves toward ever higher goals.

• This personal development will help establish personal autonomy and turn individuals into true professionals with a sense of responsibility, perseverance and ability to realize their ambitions.

Corporate growth

• We will secure stable earnings and continuously grow by creating and expanding businesses in existing markets and also in private-sector and international markets.

• This constant corporate growth leads to continued pursuit of customer satisfaction and social contribution.

International Financial Securities: OVERVIEW

FC PROVIDES COMPREHENSIVE SOLUTIONS TO CLIENTS IN DEVELOPING COUNTRIES TO ADDRESS TODAY’S GREATEST DEVELOPMENT CHALLENGES.

IFC’s offerings are designed to meet the specific needs of our clients in different industries, with a special focus on infrastructure, manufacturing, agribusiness, services, and financial markets.

Our financial products enable companies to manage risk and broaden their access to foreign and domestic capital markets. Our advice helps unlock private sector investment, which is essential for expanding businesses, creating jobs, and growing economies.

We work with the private sector to encourage entrepreneurship and build sustainable businesses—advising them on a wide range of issues, including environmental, social and governance standards, energy and resource efficiency, and supply chains. We help expand access to critical finance for individuals and micro, small, and medium enterprises through our work with financial intermediary clients.

We also measure our results and those of our clients to assess whether we are contributing effectively to our goals of ending extreme poverty and boosting shared prosperity—and whether our work is making a difference to the people and markets that most need our help.

In fiscal year 2015, our long-term investments in developing countries totaled $17.7 billion, a 17 percent increase over the previous year. More than a third of that amount—over $7 billion—was mobilized from other investors.

PRODUCTS & SERVICES

Loans

Equity

Trade and Supply Chain Finance

Syndications

Treasury Client Solutions

Venture Capital

Advisory

Asset Management

EXPERTISE

Agribusiness and Forestry

Financial Institutions

Funds

Health and Education

Infrastructure

Manufacturing

Oil, Gas, and Mining

Public-Private Partnerships

Telecommunications, Media and Technology

Tourism, Retail and Property

Heimdal Security Company: 10 Warning Signs that Your Computer is Malware Infected

Malware affects us all

The increasing number of Internet users worldwide creates an equal (or larger) number of opportunities for cyber criminals to take advantage of our systems. As we become more dependent on the online environment, we can clearly see a massive growth in malware and cyber-criminal activities all across the globe.

With so many ways out there to access and exploit vulnerable systems, we need to make sure we’re able to recognize a malware infection in order to prevent and defend our systems.

Because it is a battle and you need to be ready.

This article will show you what the main symptoms of a malware infected system are. You’ll also learn to correctly evaluate the risk and know where to look for a solution. Let’s get to it!

Symptoms of a malware infection

1. SLOWDOWN

Does it take longer than normal for your operating system to boot up?

Are you waiting too long for some of your programs to start?

It is a known fact that malware has the tendency to slow down your operating system, your Internet speed or the speed of your applications.

If you notice something like this and you’re not using any resource-heavy program or application, check for other causes first. It may be a lack of RAM memory, a fragmented system, a lack of space on your hard drive or maybe a hardware issue affecting your drive. These 10 tips will come in handy when evaluating such problems.

If you have already thoroughly verified these possible causes and all seems fine, you can start considering a potential malware infection.

2. POP-UPS

One of the most annoying signs of malware is represented by the unwanted pop-up windows. Unexpected pop-ups which appear on the system are a typical sign of a spyware infection.

In this particular case, the main issue is created not only by the numerous pop-up windows that affect your Internet navigation, but also because it is quite difficult to remove them from the system.

Pop-ups are not only annoying, but they usually come bundled with other concealed malware threats, and which could be far more destructive for our systems.

To avoid spyware and its impact on our systems, keep in mind a few security practices:

·         don’t click any suspicious pop-up windows

·         don’t answer unsolicited emails/messages

·         be careful when downloading free applications

3. CRASHES

If your programs or your system crash constantly or the infamous BSOD (Blue Screen of Death) appears regularly, it’s a clear warning that your system is not working properly and you should look into it.

There are two things that can cause this type of issues:

·         You could be dealing with a technical issue caused by a potential incompatibility between your software and/or hardware

·         Or it may be a malware issue.

If you suspect a technical issue, multiple software problems may lead to this.

Are you running various programs which may conflict with each other? Are there any orphan registry keys which have not been removed that could down and eventually crash your system?

If you are checking for malware, simply run a complete scan on the system with a good antivirus product. It is important to have a reliable security solution on your system, which should include real-time scanning, automatic update and a firewall.

4. SUSPICIOUS HARD DRIVE ACTIVITY

Another warning sign of a potential malware infection on your system is the hard drive activity.

If you notice that your disk continues to exhibit excessive activity even when you don’t use it and there is no program or download running at that moment, this could be the right time to check your system for malware.

We have to mention that another possible cause for the abnormal hard disk activity could be a hardware failure of the disk. You should also take this into consideration.

5. RUNNING OUT OF HARD DRIVE SPACE

Regarding the hard drive, you also need to check if your physical storage space has been increasing lately or if some of your files disappeared or changed their names.

This is another sign of malware activity, since there are numerous types of malicious software which use various methods to fill up all the available space in the hard drive and cause it to crash.

6. UNUSUALLY HIGH NETWORK ACTIVITY

There are cases where the user is not connected to the Internet through his browser, and there is no program that may connect to online servers to download or upload any data,  but high network activity can still be observed.

First of all, we need to check the following:

·          Is there any Windows update at that moment?

·          Is there any program or application that’s downloading or uploading any data?

·          Is there any update for a certain app running at that moment?

·          Is there a large download that you started and forgot about, which may still be running in the background?

If the answer to all these questions is No, then maybe you should check where all that traffic is going.

·         To monitor your network, you can use one of the following programs: Glass Wire, Little Snitch or Wireshark.

·         To check for a malware infection, use a good antivirus product to check your system.

·         If you suspect that your computer has been infected by a dangerous financial malware, you need a specialized security suite designed to address these type of threats.

7. NEW BROWSER HOMEPAGE, NEW TOOLBARS and/or UNWANTED WEBSITES ACCESSED WITHOUT YOUR INPUT

Have you noticed that your home page has been changed and you don’t remember doing it yourself?

Did a new toolbar pop out of nowhere and landed at top of your web browser?

Have you tried to access your favorite blog, but you were redirected to a different address?

This usually happens when you visit a website and you accidentally click a link or a pop-up window. This triggers unwanted software to download and install on your device. Its effects are not only annoying, but also malicious.

Run a complete scan with your security solution as soon as possible. Because these type of threats don’t go away easily. Make sure you run additional scans with specialized software, such as anti-spyware programs as the ones mentioned above.

8. UNUSUAL MESSAGES OR PROGRAMS THAT START AUTOMATICALLY

A few warning signs should really make you suspicious. If any of these happen, pay closer attention and try finding the cause:

·         if, all of a sudden, you see programs opening and closing automatically

·         your Windows operating system shutting down without reason

·         if you notice strange windows in the booting process

·         or if Windows informs you that you’ve lost access to some of your drives.

Though the root cause may be a technical one, it could also be a sign that malware has compromised your system. If this is the case and you lost access to some important areas of your operating system, you need to prepare for the worst. These are the cases when a complete wipe and reinstall of the operating system is taken into consideration.

9. YOUR SECURITY SOLUTION IS DISABLED

If you’re antivirus solution doesn’t seem to work anymore or if the Update module seems to be disabled, then check to see what happened immediately!

You should know that some types of malware are especially designed to disable security solutions, leaving you without any defense. If you already tried to reboot your computer, close and open the security solution and all your troubleshooting efforts were useless, you could consider the malware infection scenario.

This is especially the case since traditional antivirus solutions are sometimes unable to block and remove advanced malware, such as ransom ware or financial malware. There are a couple of strong reasons why this is happening, and you should read about them, so you can enhance your protection by adding multiple layers.

10. YOUR FRIENDS TELL YOUR THAT THEY’RE GETTING STRANGE MESSAGES FROM YOU

Are your friends telling you that they received suspicious emails from you or instant messages from your social media account, which often include attachments or links?

First of all, you need to verify whether those emails or messages were sent from one of your accounts (so check your Sent Items folder in your email/social media account). If there’s nothing there, those messages could have been delivered from an application which is out of your control.

If you discover the messages were sent from one of your accounts, take these steps:

·         Make sure you logged out from all your accounts. We access the same accounts on our work computers, on our home laptops and of course, on our mobile devices. Since we log in to our favorite online accounts on so many devices, it can happen that sometimes we forget to log out. Therefore, always make sure to log out from your online accounts on all devices.

·         Set strong passwords for your accounts. Don’t use the same password for all your accounts! Even if you are hacked, having different passwords for each account will help you limit a potential loss. Make a habit of managing your passwords safely.

·         Use two-factor authentication. This option can significantly increase your control over your accounts’ security. Using two-factor authentication means that, besides entering your credentials, you will also need to enter a code sent to your phone.

Knowledge is our best weapon

Knowing how malicious software behaves on a regular system may just prove to be the key element between staying safe and having your system wrecked or your online identity stolen.

Since we live in a connected and complex environment, online security doesn’t end with installing a series of security programs and forgetting about them. It’s essential that we also understand how malware behaves on the system, so we can mitigate its impact.

In the end, it is our knowledge of malware tools and methods that keeps us safe, because it is far easier to prevent a threat from becoming reality than to take actions against it when it’s already too late.

Source: https://heimdalsecurity.com/blog/warning-signs-operating-system-infected-malware/

Compliance Operations Specialist

More information about this job:

Overview:

Reporting directly to the Vice President of PBO Business Strategy and Operations. The Compliance and Operations Specialist will play a key role on the Business Strategy and Operations team.

The Compliance and Operations Specialist (COS) will work independently to ensure their designated offices are in compliance with proscribed policies, procedures and regulatory requirements. COS will act as a liaison between the QA unit and the Preferred Banking Offices and management teams. Compliance and Operations Specialist (COS) works with multiple businesses units in a changing environment where the complexity of the job changes from day to day.

The position requires travel to existing footprints of the bank on a regular basis to ensure adherence to regulatory, compliance and policy requirements. The position also requires an ability to work alone and set an appropriate schedule to make certain all assigned Preferred Banking Offices are reviewed on a regular basis for specific tasks (not limited to but including, wire review, daily work) with an additional role of training and developing other team members such as FlightPath QC Associates.

This dynamic position goes beyond strictly operations review and includes performing periodic Assessments, monthly reviews of the entire Preferred Banking Office’s operations with an added emphasis on training and development of assigned offices and bankers.

The Compliance and Operations Specialist will consult with various business units across the enterprise (i.e. Legal/Compliance; BSA/AML; Risk, Fraud and Security; Internal Audit; Deposit Services; etc.) to ensure all offices within their assigned regions are prepared for internal or external regulatory examinations.

Responsibilities:

DUTIES AND RESPONSIBILITIES:

·         Works on multiple Quality Assurance / Quality Control tasks across the PBO’s with bankers. Proactively uses independent judgment to identify opportunities to improve the quality and usability of internal processes to enable our bankers to be in compliance with regulatory requirements and the bank’s Policies and Procedures of the Bank (e.g. Big Green Book and Eaglesnet).

·         Has a strong working knowledge of Regulatory and Compliance requirements and Bank Policies and Procedures to participate in the creation, preparation, and conduct of Office Assessments along with leading professional development seminars as necessary to guide our bankers and all bank stakeholders.

·         Cross-trains as FlightPath QC Associates for entry and audit of new accounts and account documentation including changes to signers on accounts to enforce and comply with the bank’s KYC process. Performs this function as needed. Mentors and trains the FlightPath QC Associates.

·         Upon request, provides the Vice President with accurate QA status reports which identifies operational deficiencies of the PBO’s. Documents, presents findings, and relays evaluative feedback to the Vice President and leadership team.

·         Works closely with the Vice President to ensure all operational issues are effectively communicated, including actively participating in ad-hoc projects and team meetings, while exhibiting ownership, follow-thru, initiative and independent judgment at all times.

·         Responsible to work on projects, including, but notwithstanding, monitoring, consolidating, and archiving active and pending reports, and performing other duties & responsibilities as required by the VP of Business Strategy and Operations and their assignee.

·         Responsibilities include the following: 1) adhering to and complying with the applicable, federal and state laws, regulations and guidance, including those related to Anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.) 2) adhering to Bank policies and procedures, 3) completing required training, 4) identifying and reporting suspicious activity to the AML Officer, and 5) knowing and verifying the identity of any customer(s) that enters into a relationship with the Bank.

Qualifications:

SKILLS, KNOWLEDGE, AND ABILITIES:

Minimum 3-5 years of supervisory, retail branch operations and customer service experience. Strong communication skills, manage multiple projects under rapidly changing conditions, ability to multi-task, strong attention to detail, excellent problem solving and follow-up skills, computer skills with an emphasis on Word, Excel and PowerPoint. Position is required to travel 80% of the time. Must have excellent organizational and oral presentation skills. A candidate is expected to be a self-starter with a high ability to quickly comprehend technical concepts, and willingness to take charge and seek out answers, use independent judgment, even when given minimal instruction and guidance.

PHYSICAL REQUIREMENTS:

·         Vision must be sufficient to read data reports, manuals and computer screens.

·         Hearing must be sufficient to understand a conversation at a normal volume, including telephone calls and in person.

·         Speech must be coherent to clearly convey or exchange information, including the giving and receiving of assignments and/or directions.

·         Position involves sitting most of the time, but may involve walking or standing for brief periods of time.

·         Must be able to travel in a limited capacity.

Reasons Why You Should Never Hire Cheap Lawyers in Singapore

You can find a lot of lawyers in Singapore. They are ready to help you in any cases properly. It is important for you to select the best lawyers who can provide the best service for all customers. You should never hire cheap lawyers for helping you in any cases. There are some reasons why you need to avoid choosing any cheap lawyers. You need to compare some available attorneys who are ready to help you in the court. Here are some good reasons why you never focus on the lawyer's cost, especially when choosing a good lawyer in Singapore.

1. Cheap lawyers usually have low success rate

It is one of the most important reasons why you should never hire cheap lawyers. These lawyers usually have low success rate history. It means that they are not able to help you get your success on the court. If you want to be successful in solving your problems in the court, you need to hire the best lawyer today. There are some professional lawyers who are ready to help you in your cases in Singapore today. You can compare some available lawyers for choosing the best one easily.

2. They don't have a lot of experience

Cheap lawyers usually don't have a lot of experience in this industry. They don't know how to solve any cases completely. This situation can be dangerous for you and other clients. If you want to solve your cases completely, you have to choose the best lawyers with good experience. Good lawyers should have a lot of experience in solving any cases easily.

3. They cannot cover all cases

Many people feel unhappy when they choose the wrong lawyers. Some of these cheap lawyers are not able to cover all cases. They usually serve certain people with certain cases. They don't have proper skills or knowledge for helping all clients solve their problems immediately. If you want to avoid choosing the wrong lawyers, you need to compare some available persons who are ready to assist you in the court.

4. Some of these lawyers don't have good reputation

This is another reason why you should not focus on the lawyers' cost. There are a lot of cheap lawyers who don't have good reputation among many customers. When you read many reviews or testimonials from other customers, you may find some cons about these cheap lawyers. It is very important for you to read reviews from other clients before you choose the right lawyers for yourself. You can read these reviews from many resources, such as newspaper, blogs, websites, magazines, and many other places.

5. Cheap lawyers usually don't want to give their full potential

Finding the best lawyer is very important to help you in the court. When you choose cheap lawyers, they are not willing to provide their best potential for assisting you in the court. This is another disadvantage that you can get, especially when you hire these lawyers. They only focus on the lawyer's fees that they are going to receive from their clients. It is a good idea to choose the best lawyers who have full dedication in this industry.

6. They don't have good service for all customers

Some cheap lawyers don't have good service for all customers. This is another fact that you need to know about these lawyers. When you want to choose the best lawyers for yourself, you need to avoid choosing low quality lawyers for yourself. You need to discuss with them about your case before you select the right one for yourself. When you discuss about your needs, you can compare the quality of those lawyers.

7. Some cheap lawyers cannot provide the finest legal service

When you are looking for the finest legal service, you should never choose the cheap lawyers. These lawyers cannot provide high quality service for all customers. They usually only focus on completing the project without providing the best service for all customers.

They are some good reasons why you need to avoid some cheap lawyers. You can find many good lawyers in Singapore easily. It is a good idea to compare some available lawyers, so you can choose the right one easily. You can also ask for referrals from your friends or families. They are able to give you some recommended lawyers that you can choose for solving your problem properly. It is very important to select the best lawyers who have a lot of experience in this industry.

Eric Hamilton Marsden Restorers: Tips on how to blend antique furniture with modern furniture

Nowadays, almost every homeowner prefer modern furniture because of its clean style and sometimes because of its dual function. But Eric Earl Hamilton Marsden Furniture Restorers sees it’s also possible to mix and match modern furniture with antique home furniture because it could turn out into something astonishing. With enough creativity, combining both modern and antique furniture could add more distinct vibe to your home. If you're interested in some tips, here are some important pointers by Eric Earl Hamilton Marsden Furniture Restorers that could help you make this combination work.

Put new antique and vintage pieces to add life to your home

A room with only modern furniture can be dull-looking, so the addition of antique and vintage furnishings can add glamor to it. You can look at Eric Earl Hamilton Marsden Furniture Restorers's previous post about looking for a good vintage shop to help you find the right shop for your interests. After shopping for the vintage furniture that you like, find the right spot in your house where you can put it. Antique and vintage furniture can serve as good accessories in your home because it could break the monotonous aura it once has.

Use antique furnishings with different designs

Trying to set up your home to show only a certain era in history is boring, it's better to show that you've been collecting different pieces throughout the years. It would be amazing to see different antique and vintage furniture in your home that has unique designs. This could also avoid conflict between your modern home furnishings and the kind of antique set that you have in mind.

Make a repetitive pattern or a common color scheme

Things could also work out if you use repetition through a pattern or a common color scheme in designing your modern and antique furnishings. It's not that hard to make different pieces of furniture complement each other because there are a lot of ways available to accomplish this, including choosing a common color scheme for the pieces that you’re going to put in a particular room. It's also possible to draw one's vision to specific items inside that room by applying repetition such as in the fabric's pattern or using an accent color or a palette.

Use oversized antique furniture to create the illusion of more space

You could make your room look bigger by using oversized antique pieces. Modern furniture combined with huge antique and vintage furniture could look great if matched properly. Consider this tip especially when you are redecorating your house because it could be helpful to you and can be used to your advantage and to avoid fraud carefully check all furniture first before finalizing to make a purchase online .

Repurpose some of your antique and vintage furniture

After several years, a specific piece may have served its purpose to your home, so it's time for you to change it into something new. Make some huge alterations in the way your home looks like by doing this method. For example, you can turn your antique bed into a beautiful bench, or you can hang your old drawers on the wall and use them as shelves. Don't keep a furniture in one room forever and give your place a whole new appearance once in a while.

If you're into mixing and matching things, then combining modern and antique furniture in your home would be an exciting treat for you. You must be comfortable in your design and make sure that it could captivate your family and friends. Most antique furniture is known for their well-built feature and their distinct look is really good that's why several homeowners prefer those pieces to be in their home. Just let your creativity do the job, simply make sure to maintain a good balance between your modern furniture and antique furnishings. 

3 Lessons Young Singaporeans Can Learn From the Retrenchment of Middle Aged PMETs

Once upon a time, getting a cushy PMET job and rising to senior management was the Singaporean dream. Claw your way to the top of the corporate ladder and you’d be in for a lifetime of cruising around in your Porsche and golfing at the country club.

But those days are gone, and middle-aged, highly-trained PMETs are now first in line for retrenchment at many companies. These people have not only been most affected by the increased spates of retrenchment last year, but are also having the hardest time finding jobs. Many of those who do find jobs take a huge pay cut or end up doing things like driving taxis.

Now, all this might sound awful, but is life really worse for someone who’s been earning $10,000 for the past 10 or 20 years only to lose his job, or for a lower income earner who’s been toiling away for 30 years but earning only $1,000 a month?

Obviously, the PMET should be in a much better place than his lower earning counterpart if he has played his cards right in his economically active days and saved and invested wisely. Unfortunately, we often get the reverse scenario, where PMETs are so mired in debt and their lifestyles are so expensive to upkeep that losing their job immediately becomes disastrous.

You might be young now, but in a decade or two you could be facing the same risk of being made redundant. Here are 3 things to never forget along the way.

Jump start your retirement savings and investments when you’re young

Judging by the number of Chanel handbags you see on the streets, young Singaporeans aren’t prioritising saving and investing, figuring they can handle that when they’re older, more boring and have higher earning power.

A 2014 report revealed that 36% of young Singaporeans had no savings at all, while 25% had less than $6,000. The generation before didn’t fare too well either, with an average of just $60,000 in savings.

The problem with this mentality is that it’s premised on the belief that it’ll be easier to save money at a later age. That isn’t the case for many of the PMET’s who’ve been retrenched and found that they were bogged down by car loans, housing loans and dependents to support.

If these people had prioritised saving and investing when they were younger, getting laid off might not have been as scary as it is right now.

Sure, they would have been earning much less in their younger days. But with the help of compounding interest and the benefit of a burgeoning economy, their money could have grown significantly over time—probably much more than it will ever grow in their remaining years before retirement.

The best time to start saving for retirement is when you’re young. Even if you can’t save as much as you think you will when you’re older, if you invest it wisely your money can work a lot harder than it can if you only start in middle age.

When you reach your forties or fifties and your risk of getting retrenched rises, if you already have a decent nest egg saved up you might see your derailed career plans as a rather welcome sign that it’s time to take it easy. If you haven’t, however, good luck.

Be wary of inflating your lifestyle as you rise through the ranks

The most recent Straits Times report on PMET retrenchment mentioned that some of the retrenched folks complained about being bogged down by financial obligations like car loans and housing mortgages, and lamented having to adjust their lifestyles.

That makes you wonder just how much of their lifestyle inflation was necessary to begin with, and how much was due to their wanting to live the high life and being complacent enough to think they’d be able to enjoy such high salaries for the rest of their careers.

Sure, your financial obligations do increase when you buy a home or have kids. But is it really necessary to go into debt just so you can be seen driving a BMW or pay more than a million bucks for a condo?

Young Singaporeans who are lulled into a false sense of security by a job market that makes employment readily available to the young and relatively cheap should take heed that the higher you climb, the more precarious your position will be, unless you are in field that renders you more or less immune to retrenchment (meaning you’re a teacher, doctor, data scientist, civil servant or similar).

You don’t really want to live like a king when the throne can be snatched from under you at any moment.

Never get complacent at work

Retrenchment might sound unfair to an outsider—after an employee has given a company the best years of his life, casting him aside sounds barbaric.

But ask any young Singaporean who’s been subject to the incompetent tyranny of middle and upper management folks well past their prime, and you’ll receive a different opinion.

Complaints about supervisors who are even less competent than rookie hires and manage their teams terribly are sadly quite common, and it’s not very difficult to say why these folks would be the first to get laid off.

Due to the fact that workplaces in Singapore are generally very hierarchical, many employees who are senior enough to become supervisors or managers get complacent about their jobs, thinking they can now rely on their subordinates to take the rap if things go wrong at work. Of course not everyone is like that, but ask around and you’ll find it’s more common than you think.

As a young employee who might one day be promoted, never forget that the higher your salary is, the harder it is to show you deserve it. You have to be more knowledgeable and better at your job than your subordinates are or risk being replaced.

That means constant upgrading, learning new things and at times being made to feel like an old dog trying to learn new tricks. It may sound like a bother, but that’s what you’re really being paid for.