Effective Ways To Manage Money

There are many ways and tips on effective ways to manage money in general. Technically, all these tips talk about one thing: being able to have money when needed, where needed. A lack and wanting desire to acquire money when the all arises does not necessarily mean not being able to manage money effectively, but may just be an overshoot of unexpected events. Nevertheless, the person should be able to acquire and find ways to come up with the needed amount if ever there is a strapped budget from the unexpected event that needs to be complied.

Look At The Future Goals

One of the most important and progressive value of a person to have effective ways to manage money is to have a sense of foresight. This foresight pertains to the ability of a person to know what things is most probable going to happen to him in the future and be able to prepare beforehand with substantial amount of time. With this is a  responsibility of being able to properly organize the timeline and the budget allocation of funding and financial  allocation. Also in this regard, the consideration of all other fees, bills, and payment allocations would have to be

properly identified and included in the plan.

An option of having to put an allowance or extended goal would be beneficial to the planner to allow himself to adjust and be able to cope up with unexpected events with a bit more ease. In this manner, the one who manages the money is able to have an extra for a rainy season ahead.

Invest, Invest, Invest!

Another method to effectively manage money is to invest in progressive and productive endeavors which could be other sources of income. Instead of just allowing the savings to rest in a bank and earn a small amount of interest per year, it would be wise to allocate some of the money and other resources into a business. Of course it may prove  unproductive and detrimental, but the allowance of such resources to different paths of productivity would widen the scope in which a person could determine and discover the best way to manage and have more money to alleviate

the status in society.

Investing does not only mean having to go into a business venture but also in being able to become a stockholder, no matter how small into an existing business. Being a stockholder and becoming a part owner of a running business puts the self into a profit oriented state by having a percentage of the earnings that the said business generates. Nevertheless, the risk of losing the capital used for this investment is as great as having a self owned one.

The 3:3:4 Paradigm

This paradigm takes into account that all the other utilities and monthly bills have already been paid and the amount left is the extra money that is left floating. Most probably many would not be lucky enough to have this, or if possible  just with a tiny amount. Still, no matter how small the amount is, it is a good start. The 3:3:4 paradigm means that 30% of the floating money is to be saved in the bank, 30% is then used to allocate for the investments of choice, and the  remaining 40% is allocated to the leisure and luxury of the household. The last aspect is important to provide a sense of reward for the earner to clear the mind of burden and discouragement.

These aspects when combined together are more often than not effective ways to manage money and not be burdened of having to earn money to pay off a previous debt. This would be helpful to the earner to look forward in a progressive pace of living rather than retroactive maintenance.

 

Coffee Facts

A good cup of coffee is like fine wine and good quality cigars. There are various different types of coffee beans and these determine the flavors that the blend presents for the coffee connoisseur.

Many coffee makers blend a combination of the lower cost Robusta beans with the more expensive Arabica gourmet beans. The Arabica beans have a finer aroma, a richer flavor and more body than the less expensive beans.

The quality of the coffee is dependant on the proportions of the mix of these beans. Quite often a coffee might be advertised as a blend of gourmet beans and lower grade beans when in fact there are only small traces of the gourmet beans in the blend.

The gourmet beans gain much of their flavor from the soils they are grown in, with the best beans coming from the volcanic regions where the rich soils produce the best tasting beans.

Coffee should always be made from fresh beans as the quality diminishes rapidly with age. This is quite noticeable when comparing a supermarket grade coffee with a coffee made from freshly ground beans at a coffee shop. Bear in mind that the supermarket coffees generally have a lower blend quality and in many cases the blends also have a proportion of older beans to reduce the production costs.

The only way you can be assured of quality and taste is to buy fresh gourmet quality. Once you have acquired the taste for gourmet coffee you might never want to drink commercial grade coffee again.

You can buy coffee from many different regions throughout the world and each one has it’s own unique flavor.

Coffee aficionados can pick the region where the coffee bean was grown just by tasting it. The method of processing the beans also has an effect on the final flavor so you can’t always assume that a coffee will be good just because it came from a particular region.

Coffee is one of the world’s most popular beverages and more suppliers are catering to the needs of an ever-growing demand.

Up Your Family’s Blood Health and Immunity with These 3 Summertime Activities

The sun is out, and the school break is here, which means that it’s finally the season for family vacations and beach trips. But since the current situation calls for more family time spent at home, the young and active kids might have to spend their extra time getting busy on activities within the confines of your household. And while this calls for activities that require participation and creativity of the adults, the scorching heat presents a significant barrier to stay active. 

 

Low intensity physical activities like long walks are much more convenient but having to spend hours outside these days isn’t the most ideal either. However, physical activity is an important part of building up one’s health, as it can help reduce stress, improve sleep quality, strengthen immunity, and improve blood health. It’s never too late to keep your family moving. 

 

Here are 3 fun activities you and your family can bond over at home despite the dry season. 

 

1.  Explore Virtual Fun Run 

Events Running and building up your cardio doesn’t always require exploration of the outside world. Since the shift to a new normal lifestyle, brands and events that previously held fun run events have adapted to a safer alternative of previous marathons that were held outside. Now, you can register your whole family for virtual races, choose an appropriate distance everyone is able to accomplish, and flash a video on screen while running in place or around your home. Not only is this exciting but it also helps keep everyone in the family active. And the best part is everyone gets rewarded with a medal for finishing the race! 

 

2.  Groove and Move with a Dance Party 

Running around in one place might not be as enjoyable for everyone in the family. If that’s the case, a dance party is also a great way to have the family bond in movement, learning, and connection, while doing physical activity. Music can make any age naturally move and groove to the beat. Just set a playlist of at least an hour with different genres of music that all ages of the family can enjoy, set the lighting according to the mood and get the dance party started, any time of the day! You can also upgrade the dance party by incorporating a theme where you dress up, use props like glowsticks, ribbons, face paint, and color-changing LED lights. The creative possibilities are endless to keep your loved ones active for a boosted immunity and healthy blood. 

 

3.   Peaceful Staycation at Home 

Relaxation also strengthens our health just as much as rigorous physical activity. Stress can weaken the body’s immune system leading to people getting sick at stressful and unsure times. While a dance party and an at-home marathon might seem enjoyable to some, for families who prefer activities that don’t require feeling exhausted, or loved ones who have conditions that prevent them to dance or run; a peaceful staycation at home can still help boost their immunity and keep their blood healthy. 

 

A staycation at home can start off with a nutritious breakfast meal with fruits and vegetables, and relaxing music playing in the background. While others prepare for the next meal, the children can be entertained with a short animation film or through a book reading session. Lunch can be setup as a picnic on your backyard, veranda, or terrace. Taking a siesta can help refresh the mind as well. After dinner, a soothing bath can cap off the whole day of relaxation at home. 

 

 

These 3 summertime activities may help your family moving while reducing stress and building their immunity during the dry season. Yet with age and lifestyle differences of your loved ones, some may need external help to keep their blood healthy that physical activities and relaxation may not be able to provide sufficiently. 

Multivitamins + Minerals (Sangobion IRON+) is Your Family’s Blood Health Ally 

 

Multivitamins + Minerals (Sangobion IRON+) is an iron supplement with vitamins and minerals that helps to replenish iron stores and increases red blood cell levels in the body. It has ferrous gluconate, a type of iron salt which allows better absorption of iron in the body, Folic acid, and vitamin B12 which are vital for production of red blood cells and during pregnancy. It also contains Vitamin C which helps improve iron absorption, and Copper sulphate and manganese sulphate that helps in the metabolic processes of blood cell production. 

 

Recommended intake is one to two capsules daily, during or after meals, or as prescribed by your doctor. 

 

Multivitamins + Minerals (Sangobion IRON+) helps to treat iron deficiency anemia that can lead to weakened immunity and increased susceptibility to infection. Iron deficiency anemia happens when the blood has a lower amount of red blood cells or hemoglobin than normal. This can cause the body to feel weak, tired, dizzy, look pale, and experience headaches. 

 

This year’s summertime activities with the family may be spent at home but the situation can’t stop the fun and relaxation. With a nutritious diet, physical activity, proper sleep, and by taking Multivitamins + Minerals (Sangobion IRON+), you and your family can stay blood healthy all throughout the different Philippine seasons. 

 

 

If symptoms persist, consult your doctor. ASC REFERENCE CODE: P108P062821SS

Her 2nd Pandemic Birthday

Since its pandemic season still and the city is under ECQ, we can't travel to Port Barton or to El Nido this time around.  But then the situation changed because of the Covid Pandemic, that we weren't able to travel for two consecutive years. 

 

Little sister was so excited to woke the birthday girl and sing her the birthday song!

Yzabel was actually in deep slumber. Good thing Yngrid was easily woken up, as we prepped the mini cake for her sister. 

It's her 15th and we prepped some gig for her. Made the mañanita for her 12mn as the date changed.  

 

 

I went home early from work to arrange our rooftop nook with some decors. Just to pump up her celebration. 

 

 

 

 

 

 

 

 

 

She got 2 cakes! One sponsored by her tito Richard and one from me and Yngrid. She's so happy about it!  

 

Since it's gonna be just us, family and no friends or relatives coming due to the restrictions on getting together, I didn't bother cooking the food, but just ordered on a caterer and just those food the girls wanted. 

 

 

Spaghetti, chicken mac salad, beef caldereta, chicken cordon blue and fried chicken  is that that I ordered, with her favorite Sushi platter, sponsored by her tito Richard again. :) (Nakabudol eh!)

 

 

I asked a couple of close friends to come over, but because of the MECQ sitaution, they can't. Mary Grace was able to drop by, coming off from work she went straight here.. Yzabel invited just one friend to come over, and she just stayed a short while.

I guess my teen had fun and enjoyed her day despite the fact that it was just us. She said she loved all the food served specially the Sushi platter! It was her favorite! 

 

By the way, my suppliers are the following:

Food by FOODBUCKS

Cakes by HAPPY BITES

Sushi by Kanzen Sushi Puerto Princesa 

You may visit their pages if you're interested about their products/services.

 

 

Losing Weight and Staying Healthy

Staying healthy while losing weight is the primary objective of any over weight, or worse obese people to achieve a healthier state of well being. Also, the dilemma of being able to balance the healthy state without compromising the rate of weight loss and vice versa is usually confused as to how it should be done.

Starvation Misconception

 

Chances are, some of weight losers become desperate and try drastic changes for losing weight that they expose themselves to a non nutritive state, leading to malnutrition, and complications arising from skipping meals such as ulcers and nausea. On the other hand, a consciously focused individual on staying healthy may forget that his primary goal is to shed the unwanted fat and exercise vigorously and would find himself not losing those pounds, all because of added muscle mass. Such confusion may eventually cause the individual to lose interest in maintaining and enduring the current healthy practice and resort back to unhealthy lifestyle with a less hassle maintenance.

Overworking The Body

Another misconception regarding staying healthy while losing weight is that it can be done faster with more exercise per day. Though this may hold true, our body can only take as much work before we tire out. Intensifying it abruptly, hoping that the added jolt in workload would hasten the shedding process, may trigger a rebound effect on the brain, for the brain has a survival mechanism that triggers a slow down of metabolism if the body is subjected to a high caloric consumption. Furthermore, complications like muscle injuries and joint sprains may occur as these are subjected to a load without having them adapt to it gradually.

Muscle Atrophy

In addition to the slow down of metabolism as a rebound effect, there is also another detrimental outcome for the body to preserve as m ch energy reserves [read: fat deposits], that instead of burning up the fatty deposits, muscle cells are rather used up instead. This is because protein is easier to synthesize into smaller components for energy sourcing than fat. Also, fat has larger energy content per unit than a protein, therefore allowing the body to efficiently store energy at a greater ratio. Such phenomenon is called muscle atrophy. With Muscle atrophy, a person is then subject to double time in gaining back the lost weight in muscles and at the same time keeping t he fat deposit levels low.

Couple With Exercise

Staying healthy while losing weight requires both a lessened caloric intake calculated and intended to the desired body weight requirement and coupled with adequate exercise. Usually, the first two weeks will have no significant results as the body will still have to adapt and change its metabolic paradigm with the new stressor. After which, significant weight drops would occur from the start of the third week of consistent losing weight. After which, the rate at which the mass sheds off gradually slows down until the desired weight is achieved.

Staying healthy while losing weight takes time to achieve. There are neither shortcuts nor easy way outs for this two to work harmoniously together. For a successful healthy status while losing weight, It is important to understand that the two should be well balanced so that not one of the aspects try to out hunger the other and cause a failure in the desired
objective,