Sunday, December 7, 2008

What Makes Green Tea Superior Than Other Ordinary Tea!

I have heard much about people consuming Green Tea but am ignorant of the beneficial benefits one derives from this drink. Now I know better and would like to share what I know with you folks.

Tea Culture

Tea drinking is not a conscious or deliberate act but simply a part of life. That I learned of it has been part of our Asian culture close to 5000 years ago.

History of Green Tea

Green Tea orginates from China. Associated with many cultures in Asia from Japan to Middle East and the West.

What About Japanese Green Tea

Compared to Green Tea from China and other countries, I'm amazed to learn that Japanese Green Tea is distinguished by its pre-process method. Fresh tea leaves are briefly steamed right after they're picked to de-active the enzymes that would otherwise encourage oxidation. This unique process accounts for the fact that Japanese Green Tea preserves almost every good-for-your-health property i.e. the fresh leaves.

So what makes Green Tea superior than other ordinary tea then?

Well, Green Tea is the most natural and 'true' tea since it is made from unfermented/unoxidized leaves unlike oolong tea and black tea which undergo fermentation. Hence lowering its nutrients content.

What is Polyphenol catechins?

Apparently, there are 5 types of catechins in Green Tea viz:-

> Gallocatechin [GC]
> Epicatechin [EC]
> Epigallocatechin [EGC]
> Epicatechin gallate [ECG]
> Epigallocatechin gallate [EGCG] - the most potent catechin

Wow! There are 25 reasons why one should start drinking Green Tea?

01 - CANCER : reduce the risk of cancer
02 - HEART DISEASE : prevent heart diseases and stroke
03 - ANTI-AGING : Fights against aging and promote longevity
04 - WEIGHT LOSS : Green Tea burns fat and boosts metabolism
rate naturally
05 - SKIN : it protects skin from wrinkling, skin aging and against skin cancer
06 - ARTHRITIS : it prevents and reduces the risk of rheumatoid arthritis
07 - BONES : it has fluoride content which helps you preserve your bone density
08 - CHOLESTEROL : lower cholesterol level
09 - OBESITY : prevents obesity by stopping the movement of glucose in fat cells
10 - DIABETES : improves lipid and glucose metabolisms
11 - ALZHEIMER'S DISEASE : it helps slow the process of
reduced acetylcholine in the brain which leads to Alzheimer's
12 - PARKINSON'S : prevents against cell damage in the brain
which could cause the disease
13 - LIVER DISEASE : destroys harmful free radicals in fatty livers
14 - HIGH BLOOD PRESSURE : keeps your blood pressure down
by repressing angiotensin, which leads to high blood pressure
15 - FOOD POISONING : can kill bacteria which causes food poisoning
16 - BLOOD SUGAR : polyphenols and polysaccharides help lower
blood sugar level
17 - IMMUNITY : polyphenols & flavenoids boost your
immune system to fight against infections
18 - COLD & FLU : prevents you from getting a cold and flu
19 - ASTHMA : it reduces the severity of asthma
20 - EAR INFECTION : it helps ear infection problem
21 - HERPES : increases the effectiveness of topical
interferon treatment of herpes
22 - TOOTH DECAY : destroys bacteria and viruses that cause
many dental diseases
23 - STRESS : L-theanine helps relieve stress and anxiety
24 - ALLERGIES : it relives allergies
25 - HIV : it can stop HIV from binding to healthy immune cells
and stops it from spreading

WHAT BRAND TO LOOK FOR?


I recommend you look for the brand name UJICHA.



It has the following contents :-

* flavonoids - polyphenol catechins [especially EGCG]
* vitamins A,C,E,K and B Complex
* amino acids
* minerals
* low in calories and low in sugar
* no preservative and no colouring

According to a book written by Dr Debasis Bagchi, Ph,D.,F.A.C.N- he says :

"Green Tea : Antioxidant Power To Fight Disease.
Improve intestinal function, inhibit tooth decay, promote
kidney function and protect your body against viruses and
cancer with the power of Green Tea polyphenol antioxidants.
[Source - A Keats Good Health Guide
]"

So you ought to start drinking GREEN TEA right away !!

To your good health and if you would like to know where to get UJICHA, drop me an email or contact me at my handphone.

So much to share with you folks.

Wednesday, July 9, 2008

How Are Free Radicals Formed?

Earlier on, I talked about Free Radicals. Now I want to share with you on "how are free radicals formed."

Well, these are the possible causes :-

1. Consuming Unhealthy Food

- fatty diet made up of processed food, fried food,
barbecued and charbroiled food.









2. Consuming Alcoholic beverages












3. Smoking Cigarette

- one cigarette is said to unleash 3 trillion free radicals
into the blood stream !










4. Stress

- all chemicals and some endocrine hormones create free radicals





5. Toxicity

- toxi chemicals in pesticides and insecticides

6. Ultraviolet [UV] rays

7. Pollutions

- environmental pollutants and contaminants.









Researchers believe that anthocyanins, the natural antioxidant substances thaqt berriers create to fight free radicals can augment our body's natural supply and act as a second line of defense in the human body.

Anthocyanins are found in the product called OPTIVIN. If you want to know more about this product, feel free to drop me an email or contact me

Saturday, June 21, 2008

What are Free Radicals?

From what I understand :

*Free radicals are atoms or molecules that are highly reactive and unstable because they contain unpaired electron in their molecular structures

*In order to become stable, they attack and rob electrons from other molecules. This attack spontaneouslsy generates another unstable free radical molecule,starting a chain reaction that damages cellular function, eventually leading to cell's death.


According to Dr Bruce Ames, PH.D., Professor of Biochemistry and Molecular Biology, University of California :-

Scientists estimate that every day over 10,000 free radicals bombarded each cell in our body.

Scientists call free radicals the underlying cause of many chronic diseases.

Do you know how they destroy your health?

Free radicals kill cells,damage body tissues, destroy enzymes, attack DNA and produce toxic chemicals.

A wealth of scientific evidence has determinedd that the body's formation of unstable oxygen molecules called free radicals is the cause of various diseases like :-

> hearth diseases

> strokes

> diabetes

> arthritis [joint pains]

> sinusitis

> vision problems

> neurological impairments

> high blood pressure

> cancers

And to wipe out numerous free radicals simultaneously, you need powerful antioxidants. Anthocyanins are the one. You can find Anthocyanins in OPTIVIN.

To know more about OPTIVIN simply drop me a note.

Tuesday, June 17, 2008

Do you know that you get nutrition through colours


That I learned of scientific research has shown that chemicals that give fruits and vegetables their colour known as phytochemicals are good for us.

Berries have been known to provide a wide variety of powerful antioxidants and phytochemicals unmatched by any other fruits. This is largely been attributed to their high anthocyanins content.

By combining some of the well-researched berries extract into a highly potent forumulation, OPTIVIN, that I mentioned in my earlier blog delivers a broad spectrum of antioxidants to fight against various forms of free radicals to minimise cell damage.

OPTIVIN is an unique, proprietary blend of wild blueberry, wild bilberry, strawberry, cranberry, elderberry and raspberry extracts. It is the result of extensive scientific research, evaluating key functional parameters of numerous berry extracts and exploring more than 20 combinations of individual berry extracts.


OPTIVIN is indeed the supplement of the 21st century.

Want to know more about this product, simply contact me or drop me an email.

Monday, June 16, 2008

Add Colours To Your Health



According to Mr Debasis Bagchi, we are continuously being bombarded by free radicals from all angles like the polluted air that we breathe, the contaminated environment that we live in, the tainted food that we consume and the very stressful pressures of work and society. We need something very powerful to neutralize these free radicals and OPTIVIN is the answer.

He said the proprietary blend of anthocyanins in OPTIVIN is the most powerful anti-oxidant ever discovered and this has been proven by extensive research conducted, not only by his colleagues and himself but also fellow researchers in many other universities and medical centers in USA and around the world.


More and more benefits attributed to the omnipotent anthocyanins are being found in their continuing research, and the result of their research are being published in scientific journals as according to the earlier discoveries. Anthocyanins in OPTIVIN are really proving to be the supplement of the 21st century.

Mr Debasis Bagchi is a Professor of the Department of Pharmacy Sciences, Creighton University Medical Center, USA.

What are anthocyanins then?

My understanding is that these are natural substances that provide pigmentation [colour] to fruits and vegetables in particular berries, and serve as powerful natural antioxidants.

Anthocyanins are responsible for the blue, purple and red pigments found in various berries.

Anthocyanins act to promote health and significantly reduce the risk of chronic diseases by neutralizing free radicals, thus preventing them from harming normal components of the cell in the human body.

Anthocyanins are very powerful anti-oxidants that can wipe out numerous free radicals simultaneously. A growing body of scientific evidence has shown that anthocyanin-rich berries possess numerous potential health benefits and protective effects.

Because of the novel structural moiety of anthocyanins molecule, it can neutralize several free radicals simultaneously, while each molecule of other better known antioxidants like vitamins C and E can handle only one free radical at a time.

The positively charged oxygen atom in an anthocyanin molecule makes it a more potent hydrogen-donating antioxidant than the oligomeric pro-anthocyanins [grape seed extract] and other flavonoids are also known to increase the action of vitamin C and supplement the protective qualities of vitamin E.


Many users have benefitted consuming OPTIVIN. Lets hear from some of these satisfied users here :-


Francis - Stroke, Prostate, Vision Problem



Lawrence Ooi - Blood pressure Problem/Stamina & Grey Hair Improved





Jamaliah - Rheumatoid Arthritis Oesteo Problem



Latifah - Stroke



Lena - Constipation, Lumbar Ache



Hjh Esah - Gout - Sendi




Lian - Psoriasis



Lilian – Psoriasis



HjhTnMariam-High B/P, Diabetes



Zaiton - Nerve Problem,Vision,Allergy



Hj Ahmat-Diabetes,Heart Disease, High Blood



Juliah - Fibroid, Headache, Painful



En. Dahalan Abd Manap Patient : Oesteocaricinoma






An OUNCE of Prevention is worth a POUND of Cure.

Please feel to give me a call or drop me an email if you want to know more about this amazing health supplement.

Saturday, February 16, 2008

Healthy Cell Is Equal To Having A Healthy Body


Today I learned something about our human body.

As I understand our human body is made up of 70 trillion cells. The cells' function normally proceed with effective metabolism, and progress with the production and circulation of blood for maintaining optimal immune system of our body.

In other words, health capability of the immune system shows how strong our body can protect itself from being attacked by various bacteria.

Healthy body depends on healthy cells. And healthy cells rely upon three essential elements

1. Balanced Nutrition
2. Pure Clean Water
3. Sufficient Oxygen

Shortfall of any one of the 3 essential elements will affect the normal metabolism of cells, and the abnormal metabolism of cells will result in modern diseases.

Healthcare professionals have proven that the cause of modern diseases is considerably related to our poor dietary habits.

In other words, the cells have not been provided with sufficient essential nutrients. Therefore, the key to achieve good health would be a balanced nutrition.

So to keep our body healthy, we require:

1. carbohydrates
2. proteins
3. vitamins
4. minerals
5. water
6. fats

According to health professionals, frequent consumption of fruits, vegetables, grains and plant products is a good sign of healthier diet, particularly the natural green foods. The natural green foods help balance the body with hyper-acidity and strengthen our immune system.

Examples of the natural green foods are Chlorella, Spirulina, Dunaliella Saline Algae, Kelp, Alfalfa, Barley Grass, Wheat Grass, Wheat Grass, Brown Rice Bran, Apply Fiber, Green Tea, Soy Lecithin, Chicory Root (Inulin) and etc.

When they are absorbed in a diet everyday, our body cells will benefit by gaining a balanced nutrition.


Drop me an email if you want to know where to get the foods that contain higher value Nutrients.

Saturday, February 9, 2008

A Better Alternative To Saving In Fixed Deposit

A couple of friends came over to join me and my family to celebrate the Chinese Lunar New Year.

We chit-chatted about education, employment, medical services, inflation, savings etc etc.

One of the guys lamented that the money in his fixed deposit account in one of our local banks is not giving the returns that he expects and he asked for my opinion.


My reply is simple "Do you have good risk appetite." We all understand the basic principle i.e. "no risk no reward." So if he is not prepared to take some form of risk he cannot expect his money lying in the fixed deposit to give him good return.

Naturally, I offered him a better alternative i.e. a financial plan that can give him absolute peace of mind. With capital guarantee, good returns and insurance protection, he can grow and realise your dreams. I asked him to have a look at NTUC Income’s Growth Plan.

The Growth Plan is almost similar to a bank's fixed deposit that come with added benefits. A Plan that can ensure that he and his family can stay financially healthy, even in the case of permanent total disability or death.

When the policy matures at the end of the term, you will receive the sum assured with accumulated bonuses.

I shared with him in details how the plan works. Having understood how it works, he aksed me to put him on the program after the Lunar New Year.

If you are interested to know why my friend agreed to my suggestion, please feel free to contact me at 97843155 or email me at jlowtl@income.com.sg

Sunday, January 20, 2008

VivoLife Allows You To Live Life To The Fullest

NTUC INCOME launched this new producted on 17 January 2008.

Vivolife is a with-profits whole life plan that covers death, total & permanent disability and against 30 specified dread diseases.

This plan is available for all [age between 0 and 64 last birthday. It is particularly suitable for

1. Parents of young children
2. Young adults
3. Older Adults

Minimum Sum Assured

- you can own the plan with a minimum assured of $10,000.

Flexibile Prem Term To Choose From

- limited pay : fixed term 10, 15, 20, 25 years or at age 64 last birthday
- full pay : 84 last birthday

Supplementary Benefits

The plan also allows you to enhance your coverage by adding appropriate supplementary benefits [commonly known as Riders]

Minium Protection Value

If death, dread disease or total & permanent disability were to occur in the first 15 years of coverage, the benefits payable is the higher of

* the sum assured plus bonuses or
* 125% of the orginal sum assured

In the event of Death

- the sum assured and accummulated bonuses will be paid in one lump sum

- accidental death benefit

* additional two times the original sum assured will be paid
* accident death benefit covers whole life
* total benefit payable will be 3 times sum assured plus bonus
and NOT accidental death benefit + minimum protection value
* a reduction in benefits will made due to age, occupation or
involvement in restricted activity

Total & Perment Disability before age 65

- full sum assured plus accumulated bonuses will be paid in one lump sum

Dread Diseases

- it covers 30 specified dread diseases
- sum assured and accumulated bonuses will be paid in one lump sum
upon diagnosis of any one of the 30 specified dread diseases

Retrenment Waiver

This is an unique feature.

If you are involuntarily unemployed for a continuous periof of 3 months, your premium will be waived for up to 6 months so that you can stop paying your premium temporarily and still enjoy the protection that's so important to you.

Annuity Option

How about freedom to enjoy your golden years. Just because you're retiring, doesn't mean you can't continue to enjoy life.

Under this option, you'll receive additioinal 5% cash value when you convert your policy into an Annuity at age 60 so you can have a regular flow of income coming into your bank account for the rest of your life.

The conversion can be done in full or partially. Sum assured will be adjusted accordingly.


So friends, vivolife sets you free to enjoy, free to choose and free you from worries so you can live life to the fullest.

Sign up now and you will get up to $400 worth of Fairprice and CapitalMall shopping vouchers. Promotion ends 30 April 2008.

Please contact me at

handphone : 97843155
email :jlowtl@income.com.sg

if you want to know how to qualify for the promotional gift vouchers or to know more about the plan etc.

Thursday, January 10, 2008

Get fast cash, high returns with CPF savings?

I have received some tips on investment jointly produced by CPF Board and Money Sense and I feel it would be good if I share with fellow folks as well. Here are the tips :-

DO NOT INVEST BASED ON PROMISES OF QUICK AND ATTRACTIVE RETURNS ALONE

You may have heard of offers of quick and attractive returns when you invest your CPF savings. Be careful not to invest your CPF savings based on such promises alone.

Think long term. Your CPF savings are for your old age needs. You should thus invest your CPF with a view to growing your nest egg instead of taking risky decisions to earn a quick profit or receive gifts. This article provides some tips that you should note before you invest your CPF savings.

TIP 1: Always consider the risks

Do not be attracted to headline rates alone. All investments come with risk. If a product offers a high potential return, chances are that it would also be accompanied with high risks. This is true even for financial products included in the CPF Investment Scheme (CPFIS). There is no guarantee that any product will always be profitable.

Always ask what the risks are. Know how much investment risk you can afford to take. Make sure you choose investments that you are comfortable with and are suitable for your long-term goals.

TIP 2: Weigh the expected returns against the risk-free returns offered by CPF

Click here to see a summary of the interest rates paid by CPF Board. If you are not confident that your investment can earn more than the returns offered by CPF Board, it is better to leave your money in your CPF account and earn risk-free interest rates.

TIP 3: Find out how the product works

There are many different types of investment products in the market. Always find out how the product works before you decide whether to invest your CPF savings.

Here are a few key areas you should find out.

i. How does the investment product work? What does the product invest in?

ii. What are the risks? Can you tolerate these risks? As a general rule,
the shorter your investment time horizon, the less investment risk
you should take.

iii. What are the costs? Over the long term, high expenses can drag down the
profits gained from investing in even the better-performing investments.

iv. How much do you have to invest? Consider how taking up the investment
could affect your CPF balance that you need for other purposes such
as financing your housing loan payments.

v. How long do you have to stay invested? What happens if you decide to
terminate your investment earlier? Note that charges may be imposed or
you may lose some of your earlier investments if you terminate an
investment prematurely.


Do not invest in any product that you do not understand or are not comfortable with.

TIP 4: Before switching investments, check if the switch would benefit you

If you have already invested your CPF savings, you may be asked to consider switching your investment from one fund to another; or from one product to another.

Always find out how the recommended switch would benefit you, even if the recommendation is from someone that you know very well or hold in high regard.

Here are a few key questions you should ask:

i. What is the purpose of the switch?

ii. Would the switch give me better returns than the current product or
interest currently paid by CPF?

iii. What are the potential disadvantages associated with the switch?

iv. Am I entitled to any free switching options? If not, how much the
switch would cost? Note that you may be charged a switching fee or
incur fresh front-end charges.

TIP 5: Do not invest or switch based on offers of gifts and cash rebates

Even if you are offered gifts /rebates for investing under CPFIS, bear in mind that these must be converted to cash or bonus units which must be refunded back to your account.

Consumers who receive cash rebates for any investment under the CPF Investment Scheme should lodge a report with CPF Board immediately. CPF Board will then arrange for the cash rebate to be credited back to the consumer’s CPF account. Members or intermediaries found to have siphoned out CPF monies through the offering/receiving of cash rebates could face legal action by CPF Board.

TIP 6: Diversify your investments and review them regularly

If you do decide to invest your CPF savings, consider spreading your investments among asset classes (e.g. stocks, bonds and cash equivalents) and among different products within each asset class. Don’t put all your eggs into one basket!

Do also review your investments regularly. Do this at least once a year to take stock of the investment performance, consider whether you are on track towards achieving your investment objectives, and adjust your investment portfolio according to your needs.

TIP 7: Keep your NRIC No. and SingPass confidential

You should keep your NRIC No. and SingPass confidential at all times and not disclose them to anyone. Otherwise, there is a risk that someone could authorise transactions for your CPF monies without your knowledge and/or approval.

In summary, invest your CPF monies prudently. Consider the suitability of the products according to your individual risk appetite and investment objectives. Do not invest based on promotional gifts and rebates.

If you are not confident in investing on your own, it is better to leave your money in your CPF account and earn risk-free interest rates.

So dear friends, now that you have learned about the valuable tips mentioned above, if you help on how to invest or putting your hard earned money works better for you, please feel free to contact me or drop me a note and I shall see how best I can be of assistance to you.