Friday, February 5, 2016
Wonders of Baking Soda
I've been using baking soda with my toothpaste for many years now. It doesn't just serve as a cleanser, whitener, it is also antibacterial, so it's a great alternative to mouthwash. I read somewhere you can also use it in cleaning vegetables to wash away harmful chemicals before preparing your meal. Most of the ones you buy from the supermarket, are made from baking soda anyway, so you can certainly make your own at home. All you need is at least 2 cups of tap water, a few tablespoon of baking soda, mix them in a bowl where you can scrub your vegies away.
A banana a day, keeps the doctor away
A banana a day, keeps the doctor away. I just realized how more superior banana is than the apple. I'm glad I live in a country where bananas are plenty and apples are, well, expensive.
Thursday, February 4, 2016
If there's a will, there's a way
No mother is too busy to be able to take care of themselves without jeopardizing their responsibilities and bonding time with their kids. This mother will prove you wrong if you keep enumerating all the justifications for not having enough time for exercise. Do not just check out this video, try it out for yourself and be amazed at the realization. I did, myself and that's why I'm sharing it here.
What is Ecozoic Living?
Ecozoic Living means living in harmony with all creations. None in life is compromised, every organism is given the chance to thrive and live it's purpose here on earth. There is mutual respect. "Live simply so that others may simply live" speaks a lot about this, that is as far as we human beings are concerned. Living simply, however doesn't mean we have to give up the luxuries that we also deserve given the fact that we work too hard for our family and loved ones. Look at this one here, doesn't it look luxurious enough? Going natural doesn't mean inconvenience, it means more opportunity to enjoy nature without threatening it's life and existence. Going natural is taking care of our home, the earth, a gift to us. Going natural means ensuring that the air that we breathe is fresh, clean and a refreshment to our lungs. Ecozoic living is going natural.
Imagine co-existing with the birds, lizard and even mosquitoes! Kidding aside, of course with ecozoic principle, I can always co-exist with the mosquitoes without to actually harm them. I just need to shoo them a away a bit by planting some mosquito repellant plants and trees.
Hmmm... looking at this picture, I think this would be very possible in my little area down in Sipalay. Before getting to the entrance of my place, there is also a shallow sort of a river.
Here you can see me and my son gathering some pebbles while enjoying the early morning sunlight.
That is where I will built that hanging rest house!
How Do You Pouch It?
I just recently learned I can actually enjoy eggs for my breakfast every morning without feeling guilty of consuming oil on a regular basis. Pouching is a lot healthier than simply frying your eggs, for obvious reasons. It's the oil, darling, it's the oil, no need to mention actually. When I learned how to do this, I was so thrilled I had pouched eggs every morning for my breakfast. Well, actually I cannot survive a day without eggs with my breakfast. So pouching is really something that has taken away every bit of guilt in me, just thinking about the oil intake every morning.
Make it happen
I can see it happening. A nice house in the middle of the forest farm, cool breeze, no need for any air-conditioner whatsoever, fresh vegetables, fruits, organic chicken and pork meat, a little ranch, flower farm, there is just so much to do in a 30-hectare property. I promise God he will not be disappointed for giving me this blessing. I can't wait for my 2-decade job to be over. Not that I do not treasure it, I do in so many ways. It's just that right now, I guess it's time to move on to the next chapter, where I will be better, wiser, braver.
There is too much toxicity in city life. The noise, the haste, the pollution, the demands of a busy schedule, all these have been taking the better of me, even the capacity to connect. People do not know each other anymore. Everyone go about their days like robots or grumpy old men. I do not want that kind of life. I've had enough of it. It is in my hands, the power to make things happen, lies on my energy, my will, my decision to do it. I cannot just expect God to shower all these things to me. I have to take my part. And most of all, this has to become an advocacy, so that others, too may live.
Grapes in the Philippines!
Watching them grow gives me so much energy and hope. There is life, there is new beginning. Starting things like this convinces me that all things are possible if not only you believe but you work for it. Never in my wildest dreams that grapes could grow in my country. Grapes here has always been tagged as special, expensive, and cannot grow in this tropical climate. But that is just a misconception. Maybe a lie by those who colonized us and wanted us to believe that our agriculture did not have any future, so we would depend eternally on imports. Well, that is going to change now. More and more of us are realizing the fact that we have very rich agriculture and this can make us rule over Asia and throughout the world if only we will work hand in hand to achieve it. I am leaning towards organic farming and that is a lot of hope.
Me-time
I take care of myself by doing the things that I like to do, like music, taking pictures from my cheap mobile phone, writing poetry, mulling, thinking, meditating, just staying idle and being quiet. Sometimes it goes with it some tears, sighs. Whenever life becomes too toxic, I stay back and hold myself with my own dreamy approach to reality. Pragmatism can sometimes agitate the situation, as things can fail greatly, plans can be amended, trips can be cancelled. These things that are way beyond our control, way beyond our human capacity to comprehend. And so when it's not easy to understand anymore for me, I draw back some strengths from the deepest recesses of my being. It is there, waiting to be utilized.
You're Toxic
Stay away from toxic people. They are a lot of stress and we all know what stress can do to our body. Little by little I have come to realize that indeed I can "stay away" from these negative people, even if I get to see them everyday or even if I have to live under one roof with them. The solutions may not be simple but of course they are doable.
1. Shield yourself from their toxin by not accepting any of what they say as your own. Of course I'm referring to negative comments, insults, even observations. Sometimes they're just venting out their frustrations, you may listen, but do not accept it as your own. That's not your frustration, that is theirs.
2. Release that negativity right after. Listen to a favorite music, wash your face with water or if possible take a nice long warm shower. You can go for a walk while taking deep breathes and releasing them to nature. There are plenty of other things you can do release negativity.
3. Most important of all, be honest. If you really could not take it anymore or you think that you are at the moment "already stressed" enough, kindly express yourself and asked to be excused. That is not very easy to do but I tried that a few times already and no matter what their reaction would be to that, it's not your problem anymore. You've got your organs, and ultimately, your life to protect.
1. Shield yourself from their toxin by not accepting any of what they say as your own. Of course I'm referring to negative comments, insults, even observations. Sometimes they're just venting out their frustrations, you may listen, but do not accept it as your own. That's not your frustration, that is theirs.
2. Release that negativity right after. Listen to a favorite music, wash your face with water or if possible take a nice long warm shower. You can go for a walk while taking deep breathes and releasing them to nature. There are plenty of other things you can do release negativity.
3. Most important of all, be honest. If you really could not take it anymore or you think that you are at the moment "already stressed" enough, kindly express yourself and asked to be excused. That is not very easy to do but I tried that a few times already and no matter what their reaction would be to that, it's not your problem anymore. You've got your organs, and ultimately, your life to protect.
Wednesday, February 3, 2016
Stress, the silent killer
It makes me scared watching this video. But this is very enlightening, nevertheless. I hope to spread this awareness to others so that many lives could be saved from this silent killer. All it takes, I guess, is a decision to do something about the daily stressors like schedule and family concerns and career, business, the like. No matter how intimidating this may seem, I believe it is very possible to combat stress and be able to live a healthy lifestyle. One just has to make that decision. I am making that decision. That is one of the reasons why I have come up with this site. I have just turned 40 and I want to face the remaining half of my life wish positive spirit and firm decision that I can conquer whatever it is that keeps me from being victorious.
Quick Fix Cardio Exercise
I am a very busy single working mom. Every day, my my many different roles demand 12 hours from me, mostly away from my own son and other much more important things like family, and myself. I've gotten used to the belief that exercise should at least reach 15 minutes in order for our body to maximize the full benefits. The past years have proven me wrong about that. HIT or High Interval Training has become very popular already, same principle with meta-fit exercises.
Sayote/Chayote is a Remedy for High Blood Pressure
Both of my parents have high blood pressure. My grandfather from my father's side died of heart attack. Even I, at an early age already struggled with high blood pressure, causing my doctor to recommend maintenance medicine for it. Many were a bit shocked to know I have already been maintaining something to tone down my blood pressure. My own brother had to be rushed to the ER a few years back, that time he was 33, imagine how young, due to very high blood pressure. Initially it made me feel so frustrated, I felt greatly oppressed. As much as I can, I avoid stress as it's the number one cause of it. Some other things, (for some these can be the major cause) like bad diet, lack of sleep, lack of exercise. As for me, my doctors after thorough examinations that the culprit is stress. I am dedicated with my fitness exercises, I eat healthy, I make sure I sleep 7-8 hours a day. But still the PRESSURE is UP.
A few weeks back, my brother discovered some herbal remedy for it. I'm so excited to share it here with you. All you need is one sayote, one cocumber, one ampalaya, all with the same size. Hit them all in your juicer and viola!
My brother's blood pressure has dramatically gone down, his migraines gone.
My brother's blood pressure has dramatically gone down, his migraines gone.
Friday, December 27, 2013
Is It Good to Sweat?
This is very informative:
By GRETCHEN REYNOLDS
December 27, 2013
Question:
Are there any health benefits associated with more sweating during a workout? If so, is there a difference if sweat is induced by heat (e.g., hot weather) vs. aerobic exercise?
Asked by Tim H.
Answer:
“There’s this entrenched idea that it’s good to ‘sweat things out,’” said Oliver Jay, an associate professor of exercise physiology and director of the Thermal Ergonomics Laboratory at the University of Ottawa in Canada, and by extension, that sweating heavily during exercise is somehow healthier than misting daintily. But in fact, “sweating, per se, provides no health benefits,” Dr. Jay said, apart from preventing overheating. The benefits derive from the exercise itself, and the more intense, generally, the greater the health benefits.
Core temperature rises during prolonged and vigorous physical activity, though, and your body must shed that heat. It does so in large part by sweating. The more vigorously you exert yourself, the more internal heat you produce, and the more you must sweat. Such strenuous exercise improves health through many different physiological mechanisms. But perspiring, in and of itself, does not provide or amplify those effects, Dr. Jay said.
That situation doesn’t change if you’re sweating due to a hot environment. “Sweat is sweat,” he said. You will perspire more if the air is humid, he said, because sweat doesn’t evaporate efficiently in humidity, and it’s evaporation that actually cools your body. But you aren’t gaining extra health benefits from drenching your clothing with perspiration; you’re only ensuring that you’ll need to sip from your water bottle more often to avoid losing too much fluid.
As a rule of thumb, drink when you feel thirsty, so that sweating doesn’t become actually unhealthy.
Do you have a health question? Submit your question to Ask Well.
Are there any health benefits associated with more sweating during a workout? If so, is there a difference if sweat is induced by heat (e.g., hot weather) vs. aerobic exercise?
Asked by Tim H.
Answer:
“There’s this entrenched idea that it’s good to ‘sweat things out,’” said Oliver Jay, an associate professor of exercise physiology and director of the Thermal Ergonomics Laboratory at the University of Ottawa in Canada, and by extension, that sweating heavily during exercise is somehow healthier than misting daintily. But in fact, “sweating, per se, provides no health benefits,” Dr. Jay said, apart from preventing overheating. The benefits derive from the exercise itself, and the more intense, generally, the greater the health benefits.
Core temperature rises during prolonged and vigorous physical activity, though, and your body must shed that heat. It does so in large part by sweating. The more vigorously you exert yourself, the more internal heat you produce, and the more you must sweat. Such strenuous exercise improves health through many different physiological mechanisms. But perspiring, in and of itself, does not provide or amplify those effects, Dr. Jay said.
That situation doesn’t change if you’re sweating due to a hot environment. “Sweat is sweat,” he said. You will perspire more if the air is humid, he said, because sweat doesn’t evaporate efficiently in humidity, and it’s evaporation that actually cools your body. But you aren’t gaining extra health benefits from drenching your clothing with perspiration; you’re only ensuring that you’ll need to sip from your water bottle more often to avoid losing too much fluid.
As a rule of thumb, drink when you feel thirsty, so that sweating doesn’t become actually unhealthy.
Do you have a health question? Submit your question to Ask Well.
Sunday, December 1, 2013
THE DANGER OF GMO FOODS Reflections by Fr. Shay Cullen, PREDA
After much trials and errors, it worked. The new tomato had a very long shelf life, the big food growers swamped the market with low cost tomatoes, the small farmers went out of business and then with the competition eliminated, the plantation corporations increased the price of their tomatoes and made a fortune. They still do.
The food science industry boomed and every possible modification to the food we eat has been made. The “not so humble” tomato was to again lead the way. Cold snaps in Florida decimated the tomato crop, the laboratories went to work. This time, as the story goes, they found an organism, (an arctic fish some say) that had a gene that enabled them to survive minus 30 degrees. With this gene spliced into the DNA and genetic make-up of the tomato, the tomatoes had stronger resistance to cold and the plantation owners became even richer. But that is the general idea behind genetically modified plants that make up our food.
The scientific research laboratories of the multinational food corporations launched frenzied research and development programmes to find ways to genetically modify every possible plant that could be used in food and they own the patent for that food .So tomatoes and corn and many more crops that now dominate the food chain is owned and controlled by these corporations. The seeds that produced them are terminal. That is they can’t be planted to grow more crops. The farmer has to buy the seed every year from the corporation that holds the patent.
They own and supply the specific fertilizer that makes the seed grow and upon which it is dependent. In this way, the corporations control the food supply through their GMO seed and food products. They will own us too one day and nations will become dependent and subservient to them. If they don't supply the seed people will starve, riot and topple government. That is greater power than that which grows from the barrel of a gun.
Friday, November 29, 2013
7 Tips for Staying Fit Through the Holidays
"Stick to a Routine as Best You Can" I think this is the most important of all in this list. Of course we cannot really help but eat during celebrations. Sticking to a routine is really challenging. It requires a lot of discipline maintaining this balance.

By JOANNA PRISCO via GOOD MORNING AMERICA
By JOANNA PRISCO via GOOD MORNING AMERICA
With so many holiday events revolving around food and cocktails, it's easy to add on the extra pounds between Thanksgiving and New Year's Day. But that doesn't have to be the rule.
Katrina Hodgson and Karena Dawn, hosts of "Toned Up," a new fitness series premiering on Bravo on Jan. 2, 2014, shared with ABC News some of their best strategies for balancing the season's indulgences with healthy choices.
1. Stick to a Routine as Best You Can. "Having a solid plan in place, even if you veer off track a little, is a great strategy to stay healthy through the season," said Hodgson. "Get active at least four times a week, and include protein with your breakfast — both will give your metabolism a boost that lasts all day. We love making pancakes for breakfast with Perfect Fit Protein instead of flour. They're fluffy, delicious and filled with the nutrients your body needs."
2. Exercise in the Morning. "Moving your body first thing in the morning sets the day right and helps your body stay stress-free during this busy season," Dawn told ABC News. "Plus, getting your workout done and out of the way early in the day ensures nothing comes between you and your fitness goals. A quick, 15-minute toning routine or walk will make a huge difference in your energy levels for the day. We call this our BootyCall, and we fit one in almost every morning."
3. Find Balance. Remember this time of year is all about enjoying yourself with friends and family. "Definitely don't deprive yourself of the things you love most about the season," said Hodgson. "Just be sure to stay on track during the days before and after the party. When you stick to a healthy lifestyle and stay consistent, you have wiggle room for a little indulgence here and there."
4. Bring Healthy Treats to the Party. "The minute someone invites you to a gathering, offer to bring a dish," Hodgson went on. "While this may not be an option for every gathering, it's always worth offering. This way you know the menu will include at least one waist-friendly dish." She also notes that it's easy to make healthy swaps when baking, such as using coconut oil instead of butter, natural sugars or stevia instead of sugar, and flour alternatives such as quinoa or almond flour. More examples are available on their fitness community site,Tone It Up.
5. Eat! "Don't make the mistake of not eating all day when you have a dinner party or event that night," said Dawn. Instead, stick to small, nutrient-dense meals throughout the day, including greens, lean protein, fruit and a bit of healthy fats. "This ensures you get the fuel you need without going overboard come dinnertime," she said. "The same thing goes for skipping meals the day after the event if you had a few too many treats. Don't do it! If you overindulged, don't stress about it. Let go of any negative feelings, move on and just make healthier choices next time. Oh, and do a full body workout the next day."
6. Drink up ... on the Right Things. "If your body is dehydrated it literally cannot function, and it increases cravings too," Dawn told ABC News. "It's easy to forget to drink the water your body needs with all the holiday bustle, and particularly when the weather outside is chilly. But your body needs half its body weight in ounces daily -- if you weigh 150 pounds, get at least 75 ounces of water each day."
7. Start a New Tradition. Memorable moments are part of what make the holidays special, and the season offers a chance to create something new to look forward to each year, suggests the duo. "Whether you rally your friends to run a local 3K race, take your family for a neighborhood stroll after dinner or come up with your own signature dish, this is your chance to reinvent what this time of year means for you," said Hodgson.
A healing story about guyabano
by Nelly Favis-Villafuerte
November 29, 2013

November 29, 2013
Many Filipinos are familiar with “guyabano,” a native edible fruit that is abundant in our country. Guyabano fruit has a unique pleasant taste – a mixture of strawberry, pineapple and banana flavor.
What many of us do not know is that all parts of the guyabano like the bark, leaves, roots, fruits and seed are natural cures for many kinds of ailments. Guyabano is a natural cancer treatment. It has awesome healing power in twelve (12) types of cancer, including colon, breast, prostate, lung and pancreatic cancer. Unbelievably, studies show that the compound extracted from guyabano is 10,000 times more potent in slowing the growth of cancer cells than adriamycin, a commonly used drug in chemotherapy. And yet the guyabano compound kills only cancer cells and does not harm healthy cells. Research further shows that extracts from guyabano as a cancer cure do not cause severe nausea, weight loss or hair loss and the patient feels stronger during the treatment episode – compared to cancer patients undergoing chemotherapy.
Aside from being a natural cancer treatment, guyabano is a sedative, a tranquilizer and a nerve tonic. It is also effective in maintaining our intestinal health like eliminating stomach and bowel discomforts. By lowering blood pressure, guyabano has a calming effect on our moods.
The scientific name of guyabano (a Tagalog word sometimes spelled as guayabano or guanabano) is annona muricata. In English, the fruit is known as soursop and the tree is known as the Graviola tree. In Brazil, the fruit is known as pawpaw. The graviola tree grows in warm tropical areas like in South America and in the Philippines.
While the first modern-day research on guyabano or graviola tree was conducted in 1976 by the National Cancer Research in USA, there were already investigative researches conducted as early as 1940s in other countries like South Korea and USA. Unbelievably, the guyabano tree has been a legendary healing tree from the Amazon rainforest more than three thousand years ago.
Guyabano is completely natural and this is the reason why under the US federal law (and probably in other countries too) it is not patentable. An awesome blessing to the public!
Let me share with you a true-to-life story about the miracle healing power of guyabano.
Sometime in 2009, a lady by the name of Edna and married to Mike Anton was scheduled by the doctors of Stanford University, California, USA for an operation to remove her stomach and spleen due to cancer. Since there was a lull of two weeks, Edna and Mike decided to go to Hawaii to visit their two (2) daughters and to return to Stanford University in time for the operation. Coincidentally, Edna had a cousin in the Philippines who in the past told her about the healing power of guyabano capsule for cancer patients. The cousin learned from the Internet about guyabano as a natural healing cure for cancer as well as for other ailments. Initially, Edna did not heed the advice of her cousin to try guyabano capsule for her cancer. Later on, Edna changed her mind while in Hawaii. She bought the guyabano capsules in US, took the full dosage (2 capsules 3 times a day) daily for 10 days. Then back to Stanford University, Mike and Anton went. Edna’s operation proceeded as scheduled. After the operation, she was told by the doctors of Stanford University who operated on her that they did not remove her stomach but just a part of her spleen. What a miracle for Edna! Edna attributed the miracle to the graviola capsules which she religiously took for 10 days before her operation. Elated that her stomach was not removed – she continued taking the graviola capsules, full dosage (2 capsules three (3) times a day) for weeks and for months. Edna has been taking the graviola capsules without fail for more than four (4) years now and there has been no sign of recurrence of her cancer.
As early as 1977, Edna’s appendix was removed – seven (7) days after the rupture of her appendicitis. She did not experience the usual symptoms of appendicitis.
Edna’s suffering however, did not end with the removal of her raptured appendix. There were times when Edna’s stomach bloated and she had to go a local hospital in Metro Manila for another operation before proceeding to the US for further medical treatment. Finally, her last diagnosis and operation was done at Stanford University.
After all the years of Edna’s suffering (on and off) since 1977 – unbelievably, it is the graviola capsule from guyabano which healed her. Edna belongs to the famous Reynoso clan gifted by our Lord God with culinary talents. How do I know? I was one of Edna’s culinary students many years ago. I taught my maid how to make sans rival using Edna’s delicious recipe and I was selling to my friends and relatives. This was one of my profitable entrepreneurial ventures when I was on maternity leave from my work. How can I forget Edna?
Guyabano is not just an ordinary fibrous fruit with a delectable flavor (a sweet-acidic taste). It is a healthy food. It is a safe and effective natural cancer killer which has the ability to kill cancer cells and preserves the healthy cells at the same time. This is the claim to fame of the graviola tree, a wonderful gift of our Lord God to us.
Have a joyful day!
What's keeping you from getting rich?
What's keeping you from getting rich?
I saw this on headline today and I felt it was speaking to me. I read the rest of the article, right. But I can see I am not entirely guilty. Maybe just one or two of these things.

I saw this on headline today and I felt it was speaking to me. I read the rest of the article, right. But I can see I am not entirely guilty. Maybe just one or two of these things.
You don't have to inherit money, win the lottery, or even be the next Bill Gates or Warren Buffett to become financially secure. With a little bit of knowledge and a lot of hard work and discipline, almost anyone can accumulate sufficient wealth -- and perhaps even great wealth -- to enjoy the creature comforts of life.
But how do you get ahead if you're living paycheck to paycheck? The fact is, no matter how much you earn you could be creating your own barriers to financial success without even knowing it. Here are ten things you might be doing that are preventing you from achieving prosperity. Change your ways and you could find yourself well on the way down the road to riches.
You Spend Too Much
Plenty of Americans live beyond their means but don't even realize it. A 2012 Country Financial survey found that more than one-half of respondents (52%) said their monthly spending exceeded their income at least a few months a year. Yet only 9% of respondents said their lifestyle was more than they could afford. Of the 52% who routinely overspend, 36% finance the shortfall by dipping into savings; 22% use credit cards.
Blowing your entire paycheck (and then some) each month isn't an ingredient in the recipe for financial success. Neither is draining your savings or running up card balances. To rein in spending, start by tracking where the money goes every month. Try to zero in on nonessential areas where you can cut back. Then create a realistic budget that ensures you have enough to pay the bills as well as enough for contributions to such things as a retirement account and a rainy-day fund. Our household budget worksheet or an online budgeting site can help.
You Save Too Little
If you're like most folks, your savings habits could use some improvement. The personal savings rate in the U.S. is just 4.9% of disposable income, down from a high of 14.6% in 1975. Only about one-half of Americans (54%) say they have a savings plan in place to meet specific goals, according to a 2013 survey commissioned by America Saves, a group that advocates for better saving habits.
Saving needs to be a priority in order to build wealth. Begin with an emergency fund that can be tapped in the event of an illness, job loss or other unexpected calamity. A 2012 survey by the Financial Industry Regulatory Authority found that 56% of individuals say they have not set aside even three months' worth of income to handle financial emergencies. Once your emergency fund is well under way, you can divert small amounts toward other goals, such as buying a home or paying for college. These six strategies can help you save more, no matter your income.
You Carry Too Much Debt
Americans have $846.9 billion in credit card debt alone. That's $7,050 per household, according to NerdWallet.com, a Web site that analyzes financial products and data. If you're only making minimum monthly payments on $7,050, it'll take 28 years and cost you $10,663 in interest before you're debt-free, assuming a 15% interest rate. And that only holds true if you don't make any additional charges.
Some debts can lead to financial success -- a mortgage to purchase real estate, a credit line to start a business or a student loan to fund a college education -- but a high-interest credit card balance usually doesn't. Pay down credit cards with the steepest rates as quickly as possible. Putting $250 per month toward that same $7,050 debt will retire it in three years and save you about $9,000 in interest versus making minimum payments. See Escape the Debt Trap for more strategies to chip away at what you owe.
You Pay Too Many Fees
Late fees, banking fees, credit-card fees -- the amounts might seem insignificant when taken individually. After all, an overdue library book or Redbox DVD might only run you a dollar. But if you're regularly paying penalties and fees, these charges can quickly eat a hole in your budget. Consider this: The average bank overdraft fee is $32.20, according to Bankrate.com, and the average charge for going outside your ATM network is $4.13. Late-payment penalties for credit cards can climb as high as $35.
So how do you avoid pesky fees? Read the fine print so you understand fee rules, and stay organized so you avoid breaching those rules. Here are 33 common fees you can avoid -- or at least reduce -- with just a bit of effort. With the extra cash, you can pay down debt or boost your savings.
You Pass Up Free Money
Would you ignore a hundred-dollar bill on the sidewalk? Of course not. You'd bend over and pick it up. So why are you passing up other opportunities to get free money? If your employer matches employee contributions to a 401(k) but you're not participating in the retirement plan, then you're passing up free money. If you let rewards points from loyalty programs or credit cards expire, then you're passing up free money. If you claim the standard deduction on your tax return when you qualify for itemized deductions that could lower your tax bill even more, then you're passing up free money.
Believe it or not, there might even be free money out there that you forgot about -- or never knew of in the first place. There are more than $41 billion worth of unclaimed assets ranging from old tax refunds and paychecks to forgotten stocks and certificates of deposit being held by state agencies, according to the National Association of Unclaimed Property Administrators. Do a search onMissingMoney.com to find out if there are unclaimed assets that belong to you.
You Neglect Retirement
It's easy to focus on the present -- the bills you have to pay, the things you want to buy -- and assume you'll have time in the future to start saving for retirement. But the longer you wait, the tougher it will be to amass a sufficiently large nest egg. For example, if you wait until you are 35 to start saving for retirement, you'll have to set aside $671 a month to reach $1 million by age 65 (assuming an 8% annual return). But if you start at age 25, you'll need to save just $286 a month to hit $1 million by the time you're 65.
Even if you're creeping closer to retirement, it's not too late to start putting away money. In fact, Uncle Sam makes it easier for procrastinators to catch up on retirement savings. If you're 50 or over, you can contribute up to $23,000 annually to a 401(k) (versus $17,500 for those younger than 50). The contribution limit for older savers to traditional and Roth IRAs is $6,500 a year (versus $5,500 for everyone else). Use our Retirement Savings Calculator to figure out how much you need to save.
You Buy High and Sell Low
Does this sound like your investing strategy? You hear about a stock that is soaring, and you want to get in on the action, so you impulsively buy. But soon after, the stock starts tanking. You can't bear the pain of watching your shares decline further in value, so you immediately sell at a loss. As a result, you're wasting money rather than building wealth.
Unfortunately, many investors buy high and sell low because they follow the herd blindly into the latest hot stock. You can resist the urge to go with the crowd if you adhere to smart investing techniques. One such technique is dollar-cost averaging, a simple system of investing at regular intervals no matter what the market is doing. While it doesn't guarantee success, it does eliminate the likelihood that you're always buying at the top -- plus, it takes the guesswork and emotion out of investing. See the 7 Deadly Sins of Investing to learn how to overcome common missteps.
You Buy Everything New
New stuff is nice, but it's often not the best investment. Take cars. Estimates vary, but some experts say a new vehicle loses 30% of its value within the first two years -- including an immediate drop as soon as you drive off the dealer's lot. According to Kelley Blue Book, the average vehicle is worth 44% less after five years.
If you're not comfortable buying something that someone else has owned, get over your hang-up because you're missing a big money-saving opportunity. Many pre-owned items can cost up to 50% to 75% less than the price you'd pay if you purchased them new. From designer jeans to college textbooks, here are 11 things that you should consider buying used because you often can find them in good or almost-new condition at a fraction of the price.
You Retire Too Early
An early retirement is a dream for many, but calling it quits if you're too young has several potential drawbacks. For starters, you could incur a 10% early-withdrawal penalty if you tap certain retirement accounts, including 401(k)s and IRAs, before age 59½. (There are exceptions.) You can claim Social Security as early as age 62, but your benefit will be reduced by as much as 30% from what it would be if you wait until your full retirement age, which falls between 66 and 67 depending on your year of birth.
Health care is another big issue. You must be 65 to qualify for Medicare. In the meantime, without access to an employer-sponsored plan, you might have to pay a lot more out of pocket for individual coverage until you're eligible for Medicare.
And speaking of health, the longer you live in retirement, the more likely you are to outlive your nest egg. Let's say you make it to the age of 90. A $1 million portfolio evenly split between stocks, bonds and cash has a 92% likelihood of lasting until you turn 90 if you retire at 65, according to Vanguard. But retire at age 55 and the likelihood drops to 66%. Use our Retirement Savings Calculator to determine when you can really afford to retire.
You Don't Invest in Yourself
This might be the single biggest obstacle on your path to riches. If you're not investing in continuing education, training and personal development, you're limiting your ability to make more money in the future. "Your own earning power--rooted in your education and job skills--is the most valuable asset you'll ever own, and it can't be wiped out in a market crash," writes Kiplinger's Personal FinanceEditor in Chief Knight Kiplinger in Eight Keys to Financial Security.
Consider taking nondegree courses online to boost your knowledge of your field or enrolling in a graduate program (see 5 Advanced Degrees Still Worth the Debt). If you don't have a college degree, see our picks for best college values or check out these four alternatives to a four-year college degree. Just keep in mind that some college majors (think finance, computer science or nursing) lead to more lucrative careers than others (sorry, arts and humanities lovers).
What's your excuse?
I have earlier posted something Maria Kang, a really-oh-so-fit mom who posted a photo of herself in skimpy workout attire, with her three young sons. Well, there is an update about her, which I am sharing here below. I really like what she posted on her FB wall, encouraging people to think twice about glamorizing obesity. I have been steadily gaining weight myself and I know I am guilty. I eat a lot, I enjoy sweets, and I only think of workout when I already feel so overly bloated. Maria Kang is a great encouragement for me, to always think fit, think healthy and enjoy life the way we all ought to. I'll say this again. I do not think there is something wrong with what this young mother has been doing. First of all, that is her life she is sharing to all of us. That is how she is living it and it is encouragement enough. Why do we "fat" people cringe over it? “Some saying I’m a bully, I’m fat-shaming and I need to apologize for the hurt I’ve caused women,” Kang wrote in a post. Bully? I do not think she is bullying anyone. That is just so far out. Aren't we just trying to find an excuse for staying the way we are because we're lazy doing something about it? I think her idea of sharing how she maintains her weight even with three young kids, is revolutionary. Not every mother likes that idea for sure. It is not easy. Most of the time we say to ourselves, "The little time I have left is not even enough for rest."
“Every woman is different and my intention was not to ask, ‘What’s your excuse for not looking like me?’ My intention was to imply, ‘What’s your excuse for not exercising?’ However you interpret the message is dependent on your emotional state when you read the caption,” Kang said in her recent blog post.
Need I say more?

'Fit Mom' Gets Temporarily Banned From Facebook
“Every woman is different and my intention was not to ask, ‘What’s your excuse for not looking like me?’ My intention was to imply, ‘What’s your excuse for not exercising?’ However you interpret the message is dependent on your emotional state when you read the caption,” Kang said in her recent blog post.
Need I say more?
'Fit Mom' Gets Temporarily Banned From Facebook
Maria Kang, known as the "Fit Mom," was temporarily banned from Facebook this week after she wrote a post complaining about the positive media coverage of an online group that encourages plus-sizewomen to post photos of themselves in lingerie to show what "real women" look like.
Kang, who caused controversy earlier this year by posting a photo of herself with her sons under the tag line "What's Your excuse?"wrote on her Facebook page that she was "starting to get annoyed" at the attention the online group was getting.
Kang then went on to write about high obesity rates in the U.S., including childhood obesity.
"We keep blaming the culprit (school lunches, fast food) when the real change starts at home," wrote Kang.
Kang told ABCNews.com that she was especially frustrated by the positive media attention the lingerie group received after she'd received such intense criticism for posting the photo of herself in a bikini alongside her sons.
"People made me feel bad about posting a picture of me and my children," said Kang, who said she feared the media coverage of the lingerie group was "normalizing" obesity. "When you see someone who is healthy it's almost so shocking. ... We've gone to a point where we're normalizing [a health] crisis.
In her deleted post on Facebook, Kang wrote that "We need to change this strange mentality we are breeding in the U.S."
Kang wants to highlight people who, she said, make fitness and health a priority. "Start celebrating people who are a result of hard work, dedication and discipline."
After Kang put the post on Facebook it was flagged by a reader, and the social media site removed it, calling it "hate speech," according to ABC's affiliate KGO in San Francisco.
But after it banned Kang, Facebook then said the post had been taken down by mistake and reinstated Kang's access to the social media site. According to KGO, Kang's original post was not reposted.
Kang wrote another message on her Facebook page about the controversy, saying she didn't want to shame overweight people but that she believes people are celebrating unhealthy habits.
"I think you should love yourself," Kang told ABCNews.com. "But there's a fine line we're walking between I love myself and accept myself, and I love and accept and want to progress myself."
Wednesday, November 27, 2013
Proud to be bronze?
These days I realized the way we women look at ourselves changes from time to time. I used to be cool about my complexion. So what if I'm brown. Not an issue. But just last year, I tried opting for glutathione hoping to get clearer skin. And then I realized that indeed fair complexion is better, at least the way I see it. It looks cleaner and more attractive. This is my honest to goodness opinion about it. I do not really want my skin to be so immaculately white. Because then it will look as dull and boring as the dark complexion. I just want to have a clean looking skin. Healthy looking skin. Something which in itself is an accessory. When you have nice skin, anything you wear looks nice. And that is what I want to achieve. For a couple of years now I have been maintaining vitamin E and looking at the timeline of my own photos, I can see that indeed myskin has improved. I want to feel good about myself. I want to feel confident about myself. I want to feel happy about myself. And that is something that we all should work out. It makes a whole lot of difference when women are happy about themselves. They tend to have a more positive outlook of the world and the life around them, they tend to achieve more in life, do more in life, give more. Imagine this world with these happy individuals.

In this era of bespoke trends, personal blogs, and selfies, it would be quite logical to assume that Filipinas finally have a healthy sense of self—that they now acknowledge their own beauty and think of themselves as being truly beautiful. However, this recently uncovered reality suggests otherwise: “Only seven percent of Filipina women regard themselves as actually being beautiful.”
A recent study by Dove gathered women from Southeast Asia, concentrating on the Philippines, uncovered “The Real Truth About Beauty.” The regional study hoped to define the beauty sensibilities of women from within the country and across the region. The findings show a common thread: an enlivened perspective and an attuned sense of self-awareness. The results proved refreshingly positive with healthy valuations when it came to beauty, but this particular figure stumped us. How can only seven percent out of an entire nation of genuine beauties regard themselves as beautiful?
While this seven percent figure shows a slight increase through the years, it is still quite a conservative count—too conservative at that. Considering the beauty crowns we’ve won as a nation, the impressive confidence of the Filipina to wield her own happiness, as well as the beautifying resilience of the Filipina spirit, this count definitely does not do justice to how beautiful Filipinas truly are.
Pushing Perspectives
As a global giant in personal care and as the original champion for real beauty, Dove wants to turn things around. The personal care brand, through its superior products backed by real science and attested to by real women, via campaigns that tug at heartstrings, and by way of efforts that highlight real beauty, takes on the challenge of pushing perspectives to get more women to believe that they truly are beautiful.
Dove defines this new quest through the #IAmBeautiful Movement: a drive that seeks to up that 7 percent and get more Filipina women to love and appreciate their own beauty. The movement envisions that women have the confidence and appreciation to manifest their beauty in their own terms—free from any labels drawn up by society, not defined by gender differences, and abandoning the impossible standards set by media.
Also read: Love Your Skin Color
Filipinas' Beauty Sensibilities
In order to support the Filipina in this change of perspective, this study will rely on the same pillars that have constantly driven its efforts and expertise. At the heart of the study’s quest lies the belief that every Filipina is beautiful, that she deserves only the best products, and that she can reach her full beauty potential by genuinely caring for herself. She does not need to live up to any standard; she is, after all, beautiful in her own right, lovely in her uniqueness, and captivating in her strength.
Their #IAmBeautiful Movement fires up from a good starting point, and it also comes at a very opportune time. This is because Filipinas of today seem ripe for abandoning their tendencies for self-criticism, what with eight out of 10 Filipinas saying they’re now satisfied with how they look. While this statistic merits commendation, the challenge still stands: to get women to move beyond being merely satisfied with their looks into actually feeling, believing, and exclaiming, “I am beautiful!”
Over all, thinking of oneself as beautiful seems aligned with the Filipina woman’s intrinsic goal of working towards happiness. The commissioned study showed that women believe that looking and feeling their beautiful best are important for being happy. Transitively, women feel their most beautiful when they are also happy and content. These same themes resonate loudly across Dove’s DNA of promoting happiness through beauty and care. Likewise, these same ideas are also echoed by the #IAmBeautiful Movement, which seeks to celebrate the self-realized beauty of the Filipina and enable her to care for herself to ultimately lead a happy, fulfilled life.
Also read: Dare To Be Great!
Movement of the Moment
In Beauty Talk we talk about boosting self-confidence and loving what talent and great features every woman has. We want women to start being proud of themselves. An easy way to begin is to say “I am beautiful.” More than 24,000 posts on Instagram alone have the hashtag #IAmBeautiful. Start now. Spread the word, share the love, acknowledge the beauty in others, and more importantly, believe that you are beautiful yourself.
http://ph.she.yahoo.com/the-real-truth-about-beauty-073511854.html
In this era of bespoke trends, personal blogs, and selfies, it would be quite logical to assume that Filipinas finally have a healthy sense of self—that they now acknowledge their own beauty and think of themselves as being truly beautiful. However, this recently uncovered reality suggests otherwise: “Only seven percent of Filipina women regard themselves as actually being beautiful.”
A recent study by Dove gathered women from Southeast Asia, concentrating on the Philippines, uncovered “The Real Truth About Beauty.” The regional study hoped to define the beauty sensibilities of women from within the country and across the region. The findings show a common thread: an enlivened perspective and an attuned sense of self-awareness. The results proved refreshingly positive with healthy valuations when it came to beauty, but this particular figure stumped us. How can only seven percent out of an entire nation of genuine beauties regard themselves as beautiful?
While this seven percent figure shows a slight increase through the years, it is still quite a conservative count—too conservative at that. Considering the beauty crowns we’ve won as a nation, the impressive confidence of the Filipina to wield her own happiness, as well as the beautifying resilience of the Filipina spirit, this count definitely does not do justice to how beautiful Filipinas truly are.
Pushing Perspectives
As a global giant in personal care and as the original champion for real beauty, Dove wants to turn things around. The personal care brand, through its superior products backed by real science and attested to by real women, via campaigns that tug at heartstrings, and by way of efforts that highlight real beauty, takes on the challenge of pushing perspectives to get more women to believe that they truly are beautiful.
Dove defines this new quest through the #IAmBeautiful Movement: a drive that seeks to up that 7 percent and get more Filipina women to love and appreciate their own beauty. The movement envisions that women have the confidence and appreciation to manifest their beauty in their own terms—free from any labels drawn up by society, not defined by gender differences, and abandoning the impossible standards set by media.
Also read: Love Your Skin Color
Filipinas' Beauty Sensibilities
In order to support the Filipina in this change of perspective, this study will rely on the same pillars that have constantly driven its efforts and expertise. At the heart of the study’s quest lies the belief that every Filipina is beautiful, that she deserves only the best products, and that she can reach her full beauty potential by genuinely caring for herself. She does not need to live up to any standard; she is, after all, beautiful in her own right, lovely in her uniqueness, and captivating in her strength.
Their #IAmBeautiful Movement fires up from a good starting point, and it also comes at a very opportune time. This is because Filipinas of today seem ripe for abandoning their tendencies for self-criticism, what with eight out of 10 Filipinas saying they’re now satisfied with how they look. While this statistic merits commendation, the challenge still stands: to get women to move beyond being merely satisfied with their looks into actually feeling, believing, and exclaiming, “I am beautiful!”
Over all, thinking of oneself as beautiful seems aligned with the Filipina woman’s intrinsic goal of working towards happiness. The commissioned study showed that women believe that looking and feeling their beautiful best are important for being happy. Transitively, women feel their most beautiful when they are also happy and content. These same themes resonate loudly across Dove’s DNA of promoting happiness through beauty and care. Likewise, these same ideas are also echoed by the #IAmBeautiful Movement, which seeks to celebrate the self-realized beauty of the Filipina and enable her to care for herself to ultimately lead a happy, fulfilled life.
Also read: Dare To Be Great!
Movement of the Moment
In Beauty Talk we talk about boosting self-confidence and loving what talent and great features every woman has. We want women to start being proud of themselves. An easy way to begin is to say “I am beautiful.” More than 24,000 posts on Instagram alone have the hashtag #IAmBeautiful. Start now. Spread the word, share the love, acknowledge the beauty in others, and more importantly, believe that you are beautiful yourself.
http://ph.she.yahoo.com/the-real-truth-about-beauty-073511854.html
Armpits woes
Thanks Yahoo for this informative article. I cannot really say that I have dark armpits but my problem really is the chicken skin. I cannot stay way from shaving as plucking causes my armpits to have more chicken skin they look really ugly. Haaay.
Ask most women what some of their body hang-ups are and chances are you’ll get this answer: “I hate how my underarms look dark and discolored.” This is something very common with darker-skin women due to the higher melanin concentration in our skin. Mela-what? Here’s a quick biology lesson for you: Melanin refers to the natural pigments found in our skin that when triggered causes skin to become darker as a way of protection. Yay for skin protection; boo for the uneven skin it leaves behind.
When it comes to your armpits, it is melanin that causes the area to become darker either through external assault or internal aggression. What exactly are these aggressions? Here are four of the most common ones that are leaving you with undesirable underarms.
1. Hormonal changes
Periodically, your body goes through hormonal changes, like when you get pregnant. This causes your body to increase the production of melanin, leading to blotchiness, uneven skin tone, and skin darkening on the upper lip, nose and yes, your underarms as well. Sometimes the discoloration goes away. But if you’re unlucky, it may stay on even after your pregnancy.
2. Excessive rubbing
The skin on your underarms is constantly rubbing against something. When this happens, it results in hyperkeratosis, which is the thickening of the skin that’s mean to provide protective against irritation. With hyperkeratosis comes hyperpigmentation, also known as discoloration.
Unfortunately, there’s nothing you can prevent this due to anatomy of your underarms. But you can minimize the friction. Avoid wearing rough clothing that can aggravate your underarm skin. Also, try to wear more loose clothes that minimize this contact.
Also read: Stop Underarm Sweating
3. Bacteria
Microorganisms thrive on the dark and sweaty conditions of your underarms. They break down the sweat, resulting in body odor. And if that’s not enough to concern you, this will: When this process takes place, it causes a more serious problem that is erythrasma. This refers to a chronic infection in the deeper layers of your underarm skin, which then leads to the formation of rough, discolored skin that is red in the first place but slowly changes to become brown.
Also read: Dos and Don'ts of Shaving
4. Shaving
Know how your guy’s stubble looks dark and rough by the evening? Well, the same is happening to your underarm skin if shaving is your preferred method for hair removal. Underarm hair that has been shaved tends to be darker and coarser. Yes, like the five o’clock stubbles. This is visible even underneath the surface of your skin, causing the area to have a shadow and unevenness.
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