How to be debt free?

 

Its payday, and you got nothing? Most people are experiencing scarcity of money, specially now, that recession is everywhere. Some, may opt for a financial loan, just to be temporarily financially stable again. However, don't you think borrowing an amount of money, can sometimes lead into another financial devastation again? We'll, maybe not for all, but I guess most people do. Applying for a loan, is another way of putting a debt into your pocket instead of money. The golden rule would be, as much as possible, do not tempt yourself to borrow money from a lending company or apply for a financial loan, not unless, otherwise you are really in need, and there is nothing left to sustain your necessities.

Some, may say, "but my salary is low?!" The answer would be, to cut your expenses down. Be wise in spending your money. Do not buy things that are not necessary at all. Let's say, your cellphone can still be use, then do not buy another one just so you will have the latest unit in town. As for foods, eat only three meals a day, and mind you, those are the most important ones (breakfast, lunch, dinner). Snacks won't be necessary if you have feed yourself at a proper time and of course with only healthy foods. For clothes, I'm sure you got tons of it on your closet. Check it out one time, and you'll see you still got the best. Cars? One is enough, not unless you got a big family or your wife needs her own so she can go to work safely and conveniently.

The truth is, there is no such thing as a low salary if only you know how to handle your finances well. I suggest you keep maybe three to five empty jars in your house. Label each jar according to your needs. One could be for your bills, another one for the things you want to buy, one for travel, and one for savings. You need to set a realistic goal for yourself, and set a certain percentage for each jar. Let's say, 50% of your salary will go to the jar for bills, 10% for travel, 20% for savings and 10% for other things. All you need is a little discipline and you got a long way to go! Little did you know you will wake up debt free!

Luxury Cars!

These are the luxury cars of 2009-2010.

 

2010 BMW ActiveHybrid 7

 

2010 Devon GTX

  2010 Lexus HS 250h

 

 2009 Aston Martin Lagonda Concept

  

 Jaguar XJ

  

Mercedes Benz Eclass

 

 Stylish 2010 Jaguar XFR

  

 The Acura ZDX 2010

Take your pick!

How to create a blog?

First time in blogging? Don't know where to start? Worry no more, because I will give you the very basic steps you need to know about blogging. 

Blogging is a very popular topic nowadays, young and once young are doing this thing. So, what really is a Blog, and what does blogging mean? A blog is a type of website maintained by an individual with regular entries of commentary, descriptions of events, or other material such as graphics or video (source: en.wikipedia.org). Blogging is the term used for posting any articles on a person's blog. A blogsite is like an individuals online diary, it's the place where he writes his thoughts, or discuss about anything relevant to him.

Blogging has now become and indemand topic, not just because its the people way of sharing his ideas, but also it is now the main source of income for a lot of people. How does it work? Simple. It's the same concept as displaying an item on a shopping mall, and waiting for the consumers to buy it. It's all about advertising. Most bloggers has signed up and teamed with Google Adsense. For those who are not familiar with it, Google Adsense is an advertisement application run by Google. Website owners can enroll in this program to enable text, image, and more recently, video (source: en.wikipedia.org). In return, the blogsite owners earns a percentage each time the ads has been clicked. But, then again, for you to be able to start earning a reasonable income, we must first know how to create a blog.

There are a lot of free blog hosting site available, but personally, I would recommend www.blogger.com, because that is where I first started as a blogger. It's very user friendly, and right after you register, you can then right away blog your first article and publish it so other people from all over the world can read it. 

I would like to share to you a video about creating a blog. It is very informative. View it and start blogging right away. Happy Blogging! 

Let's travel! Let's go Guam!

If you are looking for a place to relax, unwind, and have fun, Guam is the place to be! Guam is a small island in the western pacific ocean. It is a territory of the United States of America. The island's capital is Hagatna. The locals in Guam are the Chamoros. They are very nice, and very nationalistic when it comes to their beloved country.

Guam is a tropical place, and therefore if it doesn't shine, the rain pours. It is well surrounded by a big beautiful ocean. The entire country is peaceful and clean. There are a lot of hotels by the sea, so you can relax and enjoy the beautiful scenery at the same.

If you want to travel and visit Guam, you can refer to the following information:

Hotels:
Hilton Hotel
The Westin Resort Guam
Outrigger Guam Resort
Castle Imperial Suites Hotel
Days Inn Guam Tamuning
Hyatt Regency Guam
Royal Orchid Guam
Fiesta Resort Guam
Marriott Guam Resort and Spa
Pacific Islands Club Guam

Other things to do in Guam:

Malling and Shopping - you can go to Micronesia Mall, GPO, Agana Shopping Mall and SM. They also have outlets for designer brands such as Louis Vuitton, Gucci, Coach, Prada, Tiffany and Co., Celine, Chanel, Rolex, and a lot more.

Parasailing

Scuba Diving

Kayaking

Snorkeling

What are you waiting for? Come and visit Guam now!

Are you guilty of this?

Most people nowadays tends to neglect their health, their body and their mind. We'll, I can say that I am one of those. We at times becomes so busy with our jobs, and other activities that we already have forgotten that we also need to take good care of ourselves.

Are you guilty of any of the following? If so, its now time to leave that old habit behind, and start a new lifestyle before its too late.

BRAIN DAMAGING HABITS


1. No Breakfast
People who do not take breakfast are going to have a lower blood sugar level.
This leads to an insufficient supply of nutrients to the brain causing brain degeneration.

2. Overeating
It causes hardening of the brain arteries, leading to a decrease in mental power.

3. Smoking
It causes multiple brain shrinkage and may lead to Alzheimer disease.

4. High Sugar consumption
Too much sugar will interrupt the absorption of proteins and nutrients causing malnutrition and may interfere with brain development.

5. Air Pollution
The brain is the largest oxygen consumer in our body. Inhaling polluted air decreases the supply of oxygen to the brain, bringing about a decrease in brain efficiency.

6. Sleep Deprivation
Sleep allows our brain to rest. Long term deprivation from sleep will accelerate the death of brain cells.
7. Head covered while sleeping
Sleeping with the head covered, increases the concentration of carbon dioxide and decrease concentration of oxygen that may lead to brain damaging effects.

8. Working your brain during illness
Working hard or studying with sickness may lead to a decrease in effectiveness of the brain as well as damage the brain.

9. Lacking in stimulating thoughts
Thinking is the best way to train our brain, lacking in brain stimulation thoughts may cause brain shrinkage.

10. Talking Rarely
Intellectual conversations will promote the efficiency of the brain