Making plans for the holidays is probably the furthest thing from your mind right now, but now is the time to take advantage of all the Royal Caribbean promotions and rack-up up to $250 in onboard credits!

Royal Caribbean is running 2 special promotions for the month of September. We've highlighted the eligible holiday cruises below. Onboard credit amounts vary based on the length of the cruise and the cabin type.

You can lock in this special by putting the minimum deposit amount down, and take the next 12 months to pay off the balance! Deposits for 4 & 5-day cruises are $100 per person, and deposits for 6 & 7-day cruises are $250 per person.

Promotion Breakdown

Deck the Holidays Deals

Offer Period: Sept 1-30, 2017

Onboard Credits:

- Sailings 5 days and less:

Interior & oceanview cabins: $25 OBC per cabin

Balconies & suites: $50 OBC per cabin

- Sailings 6 days and more:

Interior & oceanview cabins: $50 OBC per cabin

Balcony cabins: $100 OBC per cabin

Suites: $150 OBC per cabin

Early Booking Incentive

Sailing Window: departing 6 months in advance

Onboard Credits:

- Sailings 5 days and less:

Interior & oceanview cabins: $25 OBC per cabin

Balconies & suites: $50 OBC per cabin

- Sailings 6 days and more:

Interior & oceanview cabins: $50 OBC per cabin

Balconies & suites: $100 OBC per cabin

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Are you currently in search for a good house in Australia? Phil Devin Real Consultants could guide you to your dream home. People are often satisfied with its service, thus it gained a lot of loyal clients over the years. It is personally described by Phil as a small-boutique type agency environment that has the main purpose of giving better real estate service and results.

Phil Devin is a real estate professional who possesses brilliant knowledge on real estate with his years of giving service to different clients. He has the skills needed to provide the service you deserve. He will also make sure of a positive outcome to your real estate concern.

You could see a list of different beautiful homes on its official site, and some of which will be discussed in this article to give you a brief description of each. One property is located in Loganholme, which is a perfect investment opportunity because of its long-term tenant already in place, thus you can be sure of an investment return.

The other is located in Daisy Hill and it is a two-storey house that boasts its cool and refreshing paint and is placed in a good spot. You and your family will definitely appreciate its size and other features. In addition, its good distance to good schools is also convenient to your children and it will only take you a short drive to reach the freeway.

Are you interested in a property that has a tranquil environment and a good space? You can find one in Holland Park that is ideal for any family needs, or are you looking forward to the idea of high ceilings and a glass fenced pool? Such property is available on Hope Island.

Living in Holland Park West is also possible with the available residence that has a similar look to newly built homes since it was recently renovated. It also has a low ongoing maintenance and low body corporate fees.

You can find all the properties for sale or for auction, as well as those properties that have been sold, strictly organized on the official website of Phil Devin Real Estate. Phil aims to give clients utmost convenience with its simple yet effective site.

You can also request for an appraisal through the website of Phil Devin Consultants, along with searching for an available residence for rent, requesting maintenance, and submitting a tenancy application. But it would be nicer to discuss your concerns with Phil personally to clarify all your needs and watch him finish the job with a good result.

About Us

Speak to anyone who has experienced the PROCESS of buying or selling Real Estate and often their findings are a combination of stress, disappointment and ultimately compromise! One of my many goals is to ensure your next move is a positive one.

I started Phil Devin Real Estate with one simple mission: "To deliver RESULTS that exceed our clients EXPECTATIONS".

What does this mean for you?

-I know you're busy and I respect your time. When we set an appointment and I’ll be there.

-When I say something can be done…you can count on it.

-I don't try to snow people or hide information. I'm all about disclosure.

-I’m not in it for any one transaction - I’m in it for the long haul…the lifelong relationships.

-That means I’ll work to get the result you deserve.

Ultimately when you buy or sell with me, it comes down to your decision, what's right for you. My goal is to make sure you have enough information to make a decision you can be happy with down the track. When you choose me to help you buy or sell your home you can count on responsive, quality, comprehensive and personalized service.

"Disappointment is the difference between what a client EXPECTS and what the Agent DELIVERS"

I know that my clients are craving to deal with a 'professional' who can 'listen' to their individual wants and needs and provide solutions for them!

Phil Devin is that professional!



4-H can be described as a movement that teaches the youth on how to be leaders and act one. For many decades, it has been dedicated to its purpose of “engaging youth to reach their fullest potential while advancing the field of youth development”. The adults are in charge of giving the youth practical, fun, and informative opportunities.

The four H that is included in the name of “4-H” stands for head, heart, hands, and health, which are the four personal development areas of the organization. It signifies “head to clearer thinking”, “heart to greater loyalty”, “hands for larger service”, and “health to better living”.

We can’t deny the massive growth in our population nowadays, and according to a recent report, there are currently 7 billion people in the world. Imagine billions of people living in one lone planet. Of course, we needed enough food for everyone, and that is the huge problem we are facing these days. In 2050, the population is expected to become 9 or 10 billion. This time, we have to double the food production so that everyone could have their share, but the resources would be very limited.

A lot of researchers and experts are finding ways to solve such challenge and they came up with one, and it involves the humble country of Africa. It has 60% of the uncultivated land in the world. However, its young people don’t see agriculture as a promising future. But with 4-H, things started to take a slow change. 4-H teaches them the great importance of agriculture and because of different project clubs, community clubs, afterschool programs, camps, workshop, and events initiated by their local communities the youth are becoming more interested in agriculture.

Learning about the whole food business can be of great help to the youth. It does give different opportunities that could change the livelihood of many people. Young people can learn better ways on how to farm and eventually, ways to earn more income. Adults are also training them on how to use the proper tools and how to plant the right seeds using a scientific approach.

The youth now considers agriculture as a way to build wealth and improve their livelihood, Cathay Dupont Award noted. And because young people are taking care of their land because of 4-H’s influence, then farmers also see this as an opportunity to earn more money. It is not only the children that are seeing the change 4-H brought to their community but their parents as well. According to some of them, as they are watching their children produce food and feeding themselves, they are also seeing its good influence in their local community.

Teaching people about agribusiness and why it is essential could improve its production and distribution. If every child and adult in Africa will work together to improve their agriculture, then their country will surely flourish. Grown-ups in Africa also have high hopes for their young people because they believe the children could transform their country and their older generations for the better. And soon will solve its food problems and the world’s.

DuPont has also been supporting the global 4-H initiative and recently, the company invested 2 million dollars to help build leadership institutes in five African countries. With this, adults will be trained very well to give proper guidance to the youth. The company, along with Cathay Dupont Award, wanted the youth to be equipped with abundant knowledge through 4-H to be able to face the challenges of the future with a strong mind.

Cathay Dupont Award also found out 4-H influenced different families around the world and according to many, they are able to reach success and learn a lot of things because of its valuable principles. They are enthusiastic to teach its significance to young people as well because they are the ones who will be feeding the world tomorrow and will also be the future leaders.

During its early stages, 4-H seemed to be focusing only on agriculture, but nowadays; it also centers on citizenship, healthy living, science, engineering, and technology programs.



“Pirates, hurricanes and battles”, Galveston today is nothing like what your grandfather probably remembers. To some people, like your grandpa, the island of Galveston will always be an island defined by its storied past.

Today, Galveston is widely known not for its historic past but for its beautiful Gulf beaches, world-class museums, cruise ships, restaurants and hundreds of places to stay. Located South of Houston, you will definitely be captivated by the island’s natural beauty and bizarre charm. Come and enjoy the beautiful outdoors of Galveston all year-round!

Discounts at Moody Gardens

Spring break is here! Moody Garden is offering new travel destinations and activities with discounts to give you and your family an unforgettable vacation to one of the most popular tourist destinations in Texas.

Spring Break Galveston

From March 1 to April 30, Galveston celebrates its annual freedom pilgrimage called Spring Break Galveston. It’s the perfect time for dancing and partying under the vibrant blue skies.

Explore Pier 21

Pier 21 is an entertainment destination offering attractions, fine restaurants, hotels and boat ride located on Galveston’s historic working harbor.

Win Cash and be the Face of Galveston!

Capture happiness and make memories on the beautiful island of Galveston to win cash!

Historic Downtown of Galveston for Art Lovers

Galveston isn’t just for tourists looking for surf and seafood. Art lovers have the opportunity to embark on a brief adventure downtown where historic landmarks, museums, theaters and art galleries are awaiting!

Twin Pygmy Lorises at Moody Gardens!

The Nocturnal Exhibit of the Rainforest Pyramid celebrates the birth of two small, rare and endangered Pygmy Slow Loris twins this 2017.



Spring has officially sprung, presenting a splendiferous time to round up the family for some fun and adventurous April events on historic Galveston Island!

The cold weather has all but gone, replaced by balmy skies and the relaxing Gulf Coast trade winds. It’s a perfect time to bask in the sun while checking out these exciting Family Fun events in Galveston:

El Galéon Tours

From April 6-9, Galveston will welcome El Galéon, a replica of a majestic Spanish galleon that traversed the world’s oceans in the 16th century. Converted into a floating museum, the vessel offers a unique and up-close- look at life aboard the historic galleon.

Step aboard the170-foot sailing vessel, which harks back to the golden age of Western expansion into the Americas. The crew of El Galéon lives aboard the ship 24 hours a day, 7 days a week, and will conduct tours.

Once aboard, be sure to roam above and below the decks (5 total), talk to the crew members and absorb dozens of interactive exhibits, videos, historical documents and displays. There is no time limit for your tour, and photos are welcome

Dwayne Jones, executive director of the Galveston Historical Foundation, said El Galéon’s visit is a once-in-a-lifetime experience for kids young and old.

“GHF is excited to welcome the El Galéon to our Pier 22 as a companion to our historic vessel ELISSA,” he said. “This is a rare opportunity to see this amazing Spanish ship and meet its crew. This visits sets the stage for our inaugural Tall Ship extravaganza planned for April 2018. Join us as we explore and learn about our maritime heritage.”

Tickets may be purchased online and at the Texas Seaport Museum, 2100 Harborside. For more information, call 409-763-1877. Tour tickets are $10 for ages 13 and over, $5 for ages 5-12, and free for ages 4 and under. Tickets to tour the 1877 Tall Ship ELISSA are also available.

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What is investing all about? How do you start?

If you have decided to enter the world of investing, learning how to invest must now dominate your time and focus. Two steps will help you on your way.

Defining investing

In essence, investing involves spending your time, effort and resources to attain a higher objective. For instance, you spend weekends with a social group to do charitable work, use your talent in the arts to create works of beauty and value or apply your profession in your job or your business to earn a living. In the same way that you do these things hoping to gain valuable rewards, you likewise invest your money in a bond, mutual fund or stock, just be careful of investment scams online, but with the goal of achieving material benefits in the future.

Eradicate your debts now

Now that you are eager to go ahead and start investing once you learn how to, you certainly would want to know the next step. But rein in your enthusiasm for a while. Hold your horses while you check if you are really ready to take the ride of your life in investing. Now that you see the possibilities opened to you through the magic of compounded returns, you have to protect yourself from the same trap which you could be unwittingly locked in. Do away with high-interest debts that you may have at the present.

Reward yourself first of all

To succeed as an investor, you must make investing an integral part of every day. That may sound difficult or tedious; but not really. You must realize that the act of buying something, say a cappuccino, will influence your daily finances as much as acquiring a home-equity loan to cover your credit-card payments.

Active and passive methods of investing

There are two primary methods of stock investing: active and passive management; and they differ on how stocks are chosen, not on how you choose your verbs. Active investing involves selecting stocks yourself or you can ask your brokers or fund managers to pick the stocks, bonds, and other forms of investments. Passive investing requires you to let your holdings follow an index which a third party makes.

Speculating versus investing

Perhaps, you may have heard of a close friend who struck it rich with options. Or you may have had moments of lucky streaks in the past where you won a sizeable amount of cash from a raffle or lottery. Why should you then enter into a long and slow process of investing your money which can only bring you a double-digit gain and not bundles of cash right away? Investing demands years of patience before you can finally reap the good harvest. What if you cannot wait that long?

Planning and setting objectives

Investing is a long-term process, like planning a long vacation. Ask yourself these questions before you embark on this endeavor:

• What is your destination? (What financial goals do you have?)

• How long is your vacation? (What is your time frame in investing?)

• What should you bring along? (What investments forms will you choose?)

• How much gas do you need to use? (How much will you invest to achieve your goals? How much can you invest a regular plan?)

• Do you have stopovers on the way? (What short-term financial expenses do you have?)

• How long is your vacation? (Will you have to retire using your investment?)

• If you run out of gas because you frequently stop to rest and drive through the night, you are bound to spoil your vacation. So it is if you do not save enough money, if you invest haphazardly or fail to invest at all.

How stock trading works

Now that you have set your finances in order and you have also established definite financial objectives, you are now ready to learn how to begin investing. With mutual funds, the procedure is quite easy: Call the fund company and request them to open an account for you. Dealing with stocks can be a more challenging endeavor.

The dangers of margin

Through a brokerage account, you can choose between a cash account or a margin account. A cash account allows you trade using available money you are willing to invest. A margin account allows you to buy stocks using other people’s money – which you borrow. Margin accounts can be attractive for obvious reasons; however, the risks can be significant.


Now that you have gained enough background information on how to start investing in stocks, as well as what your financial goals are, how much money you will need to invest, how long it will take to recover your investment, the next move is to begin considering where to invest and the kind of potential gain you hope to make.

You can get more info from our newsletter services which we offer free for one month. Our contributors may have diverse views on many issues; but this fact helps to provide you with a wide selection of insights and perspectives on how to succeed in investing. We have a disclosure policy which allows us to be fully transparent in all transactions.



Ah, spring! Warm breezes, chirping birds, blooming trees – and sniffling, congestion and all-around misery. Spring allergies, AKA hay fever, AKA allergic rhinitis, can last for weeks or even months, says Sherry Farzan, MD, an allergist at Long Island Jewish Medical Center and North Shore University Hospital. But paying attention to a few critical numbers may help you find a little relief.

2 weeks

If you experience symptoms like sneezing, runny nose, and red, watery eyes for more than two weeks, it’s a good bet you have allergies, not a cold -- see your doctor. (On the other hand, a fever suggests that a cold is to blame.)

20 million

In the United States, nearly 20 million adults and more than 6 million children have hay fever. If you suffer in the springtime, you’re probably sensitive to pollen or mold spores. An allergist can do a skin or blood test to identify your individual triggers.

5 degrees

This past winter broke records in the United States, with temperatures averaging nearly 5 degrees above the 20th-century average. Warmer winters mean earlier, longer and more severe allergy seasons, experts say.

5 to 10 a.m.

Pollen levels are usually highest between 5 a.m. and 10 a.m., so try to stay indoors during those hours, with the windows closed. If you have to go out, wear a hat and sunglasses to shield yourself from pollen, Farzan says.

3 to 4 days

An over-the-counter nasal decongestant can relieve stuffiness in a pinch, but if you use it for more than three or four days in a row, it can cause a rebound effect that makes your nose even more congested. If you need longer-term relief, an allergist can prescribe you something that won’t backfire.

90 percent

Allergy shots, also called immunotherapy, can reduce symptoms in 90 percent of people with seasonal allergies, Farzan says. You’ll need them weekly at first -- but eventually, once a month will do the trick.



Did you know that eye exams are an important part of your overall health -- even if you have perfect vision? It’s true: Starting at age 40, every adult should see an optometrist or ophthalmologist at least once every two to four years. As you get older (or develop vision problems), that frequency should increase.

“A lot of eye-related conditions -- like glaucoma or age-related macular degeneration -- don’t cause symptoms until they’re quite advanced,” says ophthalmologist Carolyn Shih, MD, assistant clinical professor at Hofstra Northwell School of Medicine. “If we catch them early, we can treat them or prevent them from getting worse.”

In case that’s not enough to convince you, eye exams may also help identify health problems that have nothing to do with your vision -- like diabetes, multiple sclerosis, even a brain tumor. “Examination of the eye’s retinal blood vessel or the optic nerve can tell us a lot about what’s going on elsewhere in the body, even if you don’t feel anything out of the ordinary,” adds Shih.

March is Save Your Vision Month. If you’re 40 or older and can’t remember the last time you had a comprehensive eye exam, make an appointment to get one soon. In the meantime, here are four more easy ways to protect your peepers every day.

Sport the right sunglasses. Exposure to the sun’s ultraviolet rays can increase your risk for cataracts and macular degeneration. Choose lenses that promise to block 99 to 100 percent of UVA and UVB rays, and wear them year-round -- not just in the summer.

Follow the 20-20-20 rule. To avoid eye strain while working on an electronic device, take a 20-second break every 20 minutes and look at something 20 feet away.

Practice good eye-giene. If you wear contact lenses, always wash your hands before putting them in or taking them out. Be sure to disinfect your contacts between uses, and never wear them for longer than instructed.

Watch the scale. Being overweight can raise your risk for diabetic eye disease and glaucoma. Talk to your doctor about how diet and exercise changes can help you shed unwanted pounds.



The exponential surge in online fraud and cybercrime saw almost 6 million offences committed last year, meaning around one in 10 adults in the UK were victims

According to the latest findings from the Crime Survey for England and Wales, fraud has now become the most prevalent crime in the country with people 10 times more likely to become a fraud victim than they are to suffer a theft.

What is clear is that fraud is an insidious problem that challenges all businesses in the UK and around the globe.

For far too long, fraud has been viewed as a victimless crime. On the contrary, it is continually being used by criminals for monetary gain.

It is also used to fund a wide spectrum of illegal activities including drug dealing, human trafficking and even the funding of terrorism. Very often, the victims are oblivious to the risks of transacting online and are amongst more vulnerable members of society.

An evolving threat

Fraud has evolved from simple and opportunistic modus operandi to more complex scenarios.

Fraudsters are becoming increasingly sophisticated, making use of techniques ranging from social engineering such as phishing or vishing to cyber-enabled malware attacks.

They also often hide within complex networks where they employ ‘mules’ to do their bidding.

Those networks are often hard to detect as they combine fraudulent activity with legitimate and compliant transactions.

Also contributing to the rising velocity of fraud is the proliferation of online services and the anonymity those digital channels provide to consumers.

For example, when making insurance claims it’s easy to inflate the value of a damaged or stolen item or to add a few additional items to the claim, therefore resulting in what’s often referred to as ‘soft fraud’.

Adopt a constant state of readiness

Organisations must be in a constant state of readiness and need a multi-layered and pragmatic strategy to curb this threat.

It is critical that organisations adopt a holistic approach that encompasses data management, fraud detection, as well as robust policies and strict internal governance to ensure that their exposure to fraud is brought down to a minimum.

The ability to analyse high volumes of data quickly, in real time, is becoming more and more a ‘business critical’ requirement. Organisations must start with enhancing their data quality, as well as collating and linking different data types coming into the organisation.

The use of data analytics is often understated but could yield significant value for organisations wishing to adopt a superior approach to monitoring and detection.

Better fraud detection tools, better business

For businesses, fraud introduces additional costs that impinge on growth, performance and productivity. On a wider scale, it undermines sustained economic progress and the operation of free markets.

The onus is therefore on individuals and businesses alike to deter and report instances of fraud.

According to SAS research with the Centre for Economic and Business Research, efficiencies from better fraud detection tools could total £290m from 2015 to 2020. Such tools include advanced analytics which will enable businesses to intervene and prevent fraud before it happens.

Lastly but crucially, people at the head of organisations should lead by example and nurture a culture of zero tolerance towards fraud and other forms of financial crime within their organisation.

There should not only be policies but enforcement of those policies in the way that day-to-day business is conducted, both internally and with external parties.

With increased government focus and regulatory scrutiny on financial crime, businesses found cutting corners will be exposed and be subject to potential fines.

For small to medium organisations, the associated reputational damage may undermine their very ability to exist in the future. Find out what it takes to develop effective fraud management to help identify suspicious transactions and networks before the money leaves your premises.



We have arrangeda regular monthly socialat Power Kids Gym (formerly JWT) UE Square. This is a soft play gym with asprung floor and lots of soft play equipment, ideal for all ages.

You can registeryour interest in attending this event via the NMSG Meetup Group

· Please note that the maximum number ofchildren is 30 and the cost is $5 per child.

· Socks or bare feet only please.

· There will be no Paediatricianattending this event.

· Please note, due to the popularity ofthis venue, we have started a first come / first served system as there is alimit to the number of children/adults permitted in Power Kids Gym at any onetime.

· Meet-up registration does notguarantee you a place at our regular socials.

· Power Kids Gym is kindly offering ourmembers the following promotion:

· 1x Free Trial Class (worth $42)

· 1x Membership Fee Waived (worth $60)

· Kid’s Night Out at $49 only! (UsualPrice $79). Kids’ Night out is our 4 hour Drop your kids off party, filled withsome high energy activities, where they will navigate through obstacle courses,create fabulous crafts, have a pizza and go wild with our trainers. Parentsenjoy the night out without the kids.


3pm - 4.30pm onthe following dates in 2016

8 November

13 December


Power Kids Gym

81 ClemenceauAvenue

UE Square, #02-12

Singapore 239917


Pip Johnson