Retirement planning is probably not high on your agenda when you are on your first job and enjoying the financial freedom it brings. To some, it’s not even on the agenda at age 40 as you juggle your monthly budget with mortgage, school fees, medical bills and perhaps supporting a sick parent. In fact, it can be harder to set aside a budget for your retirement plans at 40 than in your 20’s! Experts say that the best time to get started is when you are young and have less commitments. It could be one of the most important decisions that you make to get ahead of your peers and approach your career and life with confidence.

Retirement planning is probably not high on your agenda when you are on your first job and enjoying the financial freedom it brings. To some, it’s not even on the agenda at age 40 as you juggle your monthly budget with mortgage, school fees, medical bills and perhaps supporting a sick parent. In fact, it can be harder to set aside a budget for your retirement plans at 40 than in your 20’s! Experts say that the best time to get started is when you are young and have less commitments. It could be one of the most important decisions that you make to get ahead of your peers and approach your career and life with confidence.

Retirement is a phase of life that should be enjoyed as a reward for all the hard work and sacrifices of a lifetime. Unfortunately, very few people actually plan ahead for this inevitable phase and end up working even harder to pay off debts that have been accumulated due to bad planning and financial management. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings programme, managing assets and risks. Future cash flows are estimated to determine if the retirement income goal will be achieved.

Money matters become more complicated as you leave your 20s and take on varied responsibilities.

When you curl up under the covers at night, you probably settle into your favorite position without thinking much about it. But, could one sleeping position be better than another? For young, healthy people, sleeping positions are less important. But, as you get older and can have more medical issues, this can have a positive or negative impact on your health and well being. Poor sleeping posture could also cause back and neck pain, fatigue, sleep apnea, muscle cramping, impaired blood circulation, headaches, heartburn, tummy troubles and even premature wrinkles! Recent studies have identified 5 groups of people with significantly different sleep patterns – but they all shared some similar characteristics. Which group do you fall into?

One of the most common office conversations starts with, “You look tired. Late night?” And the usual answer is “No. Just didn’t sleep well”. Whilst, at the same time, looking around enviously at colleagues who seem full of life and wide awake. Don’t worry. You’re not alone. Recent studies have identified 5 groups of people with significantly different sleep patterns – but they all shared some similar characteristics. Which group do you fall into?

Did you know that when you are dealing with jet lag, night shift work, or even insomnia, an inconsistent sleep schedule can impact your mood, concentration and weight? The good news is that you can re-schedule your sleep cycle to get better rest. But, before you find out how to recover from this irregular pattern, it is important to understand your internal body clock. Also called the circadian rhythm, your body clock tells your body when to sleep and wake up. Many of the important things going on in your body relies on this sleep-wake cycle. That's why an inconsistent sleep schedule can hurt your overall health and leave you feeling groggy during the day.

It's a well-known fact that the quality of sleep affects our overall health and wellbeing. It is also interesting to note the relationship between a healthy exercise routine and your quality of sleep.

Sleep problems are fairly common amongst many of people. In fact, one in four people experience sleep difficulties, which include difficulty in falling asleep, trouble staying asleep, waking up early morning, over sleeping, or even restless sleep. Getting a good night’s sleep can improve your mental wellbeing and health.

If you’re having trouble sleeping, medicines should NOT be your first option. Regular exercise, avoiding caffeine and alcohol after midday, eating less in the evening, reducing “screen time” before bed and making your bedroom comfortable for sleep should be your first options. But, if you have tried everything and are still struggling with sleep, medication may be an option to explore. However, it should be considered ONLY as a short term remedy until you get back to your own healthy routine of sleep.

We’ve all heard many myths about sleep. Here are some of the common myths we hear and the scientific explanations to show if they’re true or false.

We do so much to take care of our skin and beauty with creams and oils. But did you know that, when it comes to staying beautiful, sleep may be the simplest answer? That’s because your body repairs itself and recovers while you snooze and that leads to a long list of benefits for your looks.

There are a considerable number of people that die each day, each month, each year, due to heart disease. In addition to the deaths, , there are an equal amount of people that suffer from such ailments. This is mainly due to the stress filled busy lives most people live nowadays. Most days, it seems that there is not enough time to even breathe! Sadly if is diffult to focus on nutrition with such a demanding lifestyle and we are dissuaded from eating a healthy, balanced diet. Just as in the case of all other non-communicable diseases, with heart disease too, it is critical that we follow basic dietary management to safeguard ourselves.