Sunday, December 15, 2013

Monday, December 2, 2013

BOSTON GOOD NEWS-Man pays for a mother&daughter's resto bill

According to the Huffington Post, a US waiter says his faith in humanity was restored after a diner secretly picked up the bill for a pair of strangers who he overheard receiving a devastating diagnosis.
“While waiting tables tonight, a mother and daughter started crying mid-meal,” the Boston-area waiter wrote in a Reddit post.
“I had no idea what happened until a single guy at the table next to them handed me this note [seen to the right] with his bill. Faith in humanity, restored.”
The waiter tells the Huff post:
The single guy who had been sitting next to them had been friendly to me all evening, making jokes and such. When he was finished I gave him his check, and inside the billfold was his credit card and the note that I took a picture of. I combined the 2 checks, and he paid for both. I waited until after he had left to tell them their check had been taken care of. The mother was overwhelmed with gratitude, as was I. It was a great evening.
Responding to the story on Rditt, one user shared a similair story saying He and his family were eating at Applebee’s, getting ready to say goodbye to his father who had been deployed to Iraq.
“That night a stranger picked up our check. I’m sure they don’t even think about it any more, but it sticks in my mind. That gesture of respect and comfort meant the world to our family. I guess my point is that I want to say thanks to my stranger, and to the stranger who paid this bill,” he wrote.
Have you ever paid for a stranger’s meal? Or has a stranger ever covered your tab?
boston mystery diner mother cried even harder

Friday, November 29, 2013

MONEY Tip - Why You Will Never be Rich.OUCH

This article is from Yahoo finance that I came across. Again, sharing this so that we all can learn why we can never be rich and what we should do about it to turn that around.

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.

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, 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.

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, 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.

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).

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.

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%.

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 Finance Editor in Chief Knight Kiplinger

Monday, November 18, 2013

PHILIPPINE Christmas station id.Very apt for this year

WORLD dance by Matt 2012 edition

i wanted to post this because of the overwhelming response from the international community all over the world to help out the victims of  super Typhoon Haiyan in the Philippines.

Sunday, November 10, 2013

NEW YORK GOOD NEWS- Compassion on a New York Subway like never been seen before

I picked up this story from the internet and wanted to share this story written by  Nadine Kalinauskas.She writes about good news and feel good stories on the internet. I just read this and was so inspired. I hope it will inspire you, too.
With all the things that's happening in the Philippines now with typhphoon Haiyan, I ask for the outpouring of love, understanding and support for the Philippines. I have posted photos on instagram @imwanderwoman and twitter @iamheiding on how you could help. Thank you.

A photo of a young man napping on a stranger's shoulder on the New York City subway has gone viral.
Reddit user braffination posted the image and described the scene:
"Heading home on the Q train yesterday when this young black guy nods off on the shoulder of a Jewish man. The man doesn't move a muscle, just lets him stay there. After a minute, I asked the man if he wanted me to wake the kid up, but he shook his head and responded, 'He must have had a long day, let him sleep. We've all been there, right?'"
"He was still sleeping soundly when I got off the train 20 minutes later," he wrote. "It was a small gesture, but a kind one. I love New Yorkers!"

Tablet Magazine tracked down the kind stranger, 65-year-old Isaac Theil.
"Maybe the photo wouldn't have become so popular if people weren't seeing a Jewish man with a yarmulke and a black man in a hood, and because they might not necessarily correlate the two," Theil speculated.
"But there is only one reason that I didn't move, and let him continue sleeping, and that has nothing to do with race. He was simply a human being who was exhausted, and I knew it and happened to be there and have a big shoulder to offer him."
"I would love for people to use this as a lesson to just be good to each other," he added.

Tuesday, November 5, 2013

Money Tip -6 rules for novice investors

This article is by  Robyn K. Thompson, CFP, CIM, FCSI is founder of Castlemark Wealth Management Inc., a boutique financial advisory firm for high net worth clients, with special focus on the financial needs of women. This the basics to making your money grow. She hits the spot when she said you are looking into investing but havent paid credit card debt, which eats you up for like almost 20% on interest. So, pay off those debts my dear readers!!
Thanks to Goldengirl Finance for this article.La mode, for Joie photocredit

I recently began volunteering with an organization called Girls Inc., one of whose valuable programs that teaches teen girls the basics of investing and money management. By the end of the program, the girls will be competently managing a full-blown investment portfolio. Sadly, that’s something that most adults are unable to do. Most novice investors who come to me for advice have usually been burned badly by trying to trade penny stocks in an online brokerage account – something my teen protégés would never do. Here’s why...

Don’t start with a marathon

Even before you start researching stocks as potential investments, you have to start with the basics. First, remember that there is no free lunch. If you are serious about investing, then you will need to start from ground zero and build from there.
  • First rule: Apply money basics
It’s all about getting a grip on your income and your outgo. Live within your means, and do not spend more than you earn. Simple advice, and something you’ve probably heard a thousand times. Yet, many people just seem unable to follow it. That’s where planning comes in. Most people benefit from a written plan – somehow that makes your goals seem more real. You do not need to make a six-figure salary to become a successful investor, but you do need to set out a diligent savings goal and investment plan that will span decades.
  • Second rule: Make it grow
Understand the power of compounding. This is the principle that any earnings from an asset will in turn generate their own earnings. Compounding allows your original investment amount to grow faster when earnings are reinvested than when earnings are paid out. Most people will have heard about compound interest, which is simply the principle of compounding applied to interest-bearing assets, like Guaranteed Investment Certificates, where the interest earns interest.
  • Third rule: Start early
The more years you have to invest, the more manageable your plan becomes. For example, let’s say you are 30 years old today and make $50,000 a year. You have $10,000 in a non-registered investment account that pays, say, 8% annually. Let’s also assume you can contribute $5,000 at the start of each and every year until you stop working at age 65.
At the end of 35 years, you would have accumulated $728,226…but you’ve paid an eye-popping $271,774 to the Canada Revenue Agency along the way. This is because the growth on your investments is taxed annually at your marginal tax rate (in this case, using a 31.15% tax rate), leaving you an after-tax rate of return of 6.4%. The CRA has collected $270,000 from you for absolutely no reason! That’s why Rule Number Four is so important.
  • Fourth rule: Cut taxes
Make full use of tax-free, tax-deferred, and tax-efficient investment plans and products. It’s what I call the 'The Wealth Effect'. While the type of securities you hold (asset mix) and the choice of securities (security selection) are important, research has shown that tax-efficiency is absolutely critical for building wealth, because great performance is useless if the taxman takes most of it away.
To see what I mean, take the same example I used in Rule Number Three above, except apply it to a Tax-Free Savings Account (TFSA). This is a federal government registered account that lets investments within the account grow completely tax-free. In addition, there is no tax when you withdraw funds from the account. Using the same investment plan described above, when you reach age 65, you will have accumulated $1,067 412 in your TFSA. Yes, read that again - over one million dollars from a $5,000-a-year investment! It’s all yours - and all without paying a cent of tax on that growth…ever.
You get the same type of effect from contributing to a Registered Retirement Savings Plan (RRSP). With an RRSP, your annual contribution limits may be much larger than for a TFSA, based on your earned income. Contributions are also tax deductible, a feature that could earn you a tax refund every year. However, investments grow in the plan on a tax-deferred basis - in other words, you won’t have to pay tax on interest, dividends, or capital gains on investments in an RRSP until you withdraw funds from the plan - at which time withdrawals are treated as ordinary income and taxed at your full marginal rate. Still, there are various maturity options and strategies you can take advantage of to mitigate the tax impact when it comes time to collapse your RRSP.
  • Fifth rule: Pay off expensive debt
Always pay high interest debt off (like credit cards) first, before investing. If your credit card charges you 19% in interest and your expected market return on investments is 7% to 9%, it only makes sense to pay the higher rate off first.
  • Sixth rule: Be flexible
Your life will change and evolve, and your savings and investment plan must grow with you.

Control = growth

Once you understand the rules, the rest falls into place. Create an investment plan that matches your risk-tolerance level. For example, it makes absolutely no sense to say you’re a conservative investor and then jump into trading penny mines on the TSX Venture Exchange. Once you’ve set your investment plan in motion, track it weekly or monthly. You’ll be surprised how fast your investable assets can grow when you take control. If my teen investors can do it, so can you!

Sunday, November 3, 2013

FLORIDA GOOD NEWS -good samaritan pays for stranger's baggage fees

I picked up this story from Ali Swank of Healthy Living and wanted to share it with you guys.. Pay it forward today.. I always love reading good news so I would like to share them with you. Travelling is one of my favorite things to do and I have also experienced compassion and honesty and that trip became memorable. My own story will come out in my column in Manila Bulletin in the next few weeks...=)

Photo: brbmycatexploded/Reddit

 Having your credit card declined can be awkward and humiliating. But it's an even worse experience if you're at the airport, rushing to make your flight, and when it comes time to dole out the mandatory fee to check a bag, the airline counter employee lets you know that your card won't go through. Confused, you step out of line to check your balance. You just know your card isn't maxed out and should be able to cover the expense.
Redditor brbmycatexploded recently experienced this exact situation at Tampa International Airport.

"Having my card declined was extremely embarrassing, even though I didn't know a single soul in that airport," the Reddit user, who asked to be identified by just his first name, Andy, told Yahoo! Shine.

His story has a happy ending, though. When he returned to the counter, a Good Samaritan had generously paid his baggage fee and left a note:
"Hey, I heard them say your card was declined. I know how it feels. Your bag fee's on me. Just pay it forward the next time you get a chance. Have a safe flight. :)"
On Wednesday, Andy posted a photo of the note on Reddit and wrote, "If you're reading this, thanks for making my day."
The kind deed didn't just have a financial impact. "Seriously, reading their note gave me goosebumps and gave me faith that there are still good people out there," Andy shared with Shine.

But he's not going to plan out how he'll pay it forward. "I think it will be a random decision, a spur-of-the-moment type thing," he explained. "I really don't think that that person walked into that airport, saying, 'I'm going to pay someone's baggage fee today.' So neither will I."
The random-act-of-kindness post has inspired other Redditors to share how they've spontaneously helped strangers or vice versa.
Poundt0wn described that while on vacation with his family, a man approached poundt0wn’s father with a flower and asked him if he would buy it so that he could use the money to purchase food for his family. Poundt0wn’s dad pulled out $100 and gave it to the man. “Fifteen minutes later,” wrote poundt0wn, “we see the same guy walking on the sidewalk again. This time, he had at least 10 bags of groceries hanging from his arms, one of which contained diapers.”

Redditor jacenborne explained that while at a Chick-fil-A drive-through, a woman in front of him paid for his meal. There was no one behind him, so he couldn’t return the favor. “But it was such a happy moment of human benevolence that is rarely seen in society,” commented jacenborne.

During a trip to an auto parts store, Synssins noticed a woman with two kids leaving the store without a battery she needed for her car, since she couldn’t afford it. The Redditor kindly bought the battery and installed it for her. “I asked her to pop her hood, and she at first looked at me like, ‘What?’ and then saw what I had with me. She asked me why, and I just said, ‘Because someone did something nice for me once.’ I installed her battery while she was crying and thanking me.”

Another Reddit user commented that while in a convenience store at 3 a.m., a man was purchasing diapers, milk, formula, and toilet paper, but his card was declined. As he was calculating which necessities he really needed, ThatSpuds came to his rescue. “So I walk up to the counter and give the guy $20," ThatSpuds wrote. "I don’t say a word, and I don’t expect anything in return, not even a thank you. But the guy turns around. Gets on his knees and wraps his arms around me and tells me that I have just made a profound difference.”
ThatSpuds added, “So pay it forward with all of your might, because someone out there is depending on you.”

Monday, September 30, 2013

HAPPINESS Tip- 10 Ways Happy People Prioritize their To Do List

Marc Chernoff hits the spot again with this post. Every post that he has is a good read so sharing this to you all. Hope you like!

“What can I start doing today to make my life happier and more fulfilling?”
This is one of the most common questions readers ask us via email, blog comments, and social media.  So today I want to share some simple, actionable ways to improve your happiness and wellbeing on a daily basis.
In the seven years of this blog’s existence, Angel and I have had the pleasure of meeting, coaching and interacting with hundreds of truly inspiring, happy, prolific people.  And the more we have interacted with people like this, the more we realize the similarities in how they prioritize their lives, and how their priorities align with our own.
What becomes evident is that, to sustain happiness, we must focus our attention on the right things, in the right ways.  Every growing human being (that means all of us) has resource constraints: limited time and energy.  It is critical that we spend our resources effectively.
Here are 10 ways to prioritize your life and your to-do lists for increased happiness and fulfillment:

1.  One thing at a time, with full presence.

In other words, make the thing you have chosen to do the number one priority while you’re doing it.  Focus with your full attention.  See the value in where you are, while you’re there.  Enjoy what’s happening, while it’s happening.
In the end, you will come to realize that the best days are the days when you don’t need anything extreme or special to happen to make you smile.  You simply appreciate the moments and feel gratitude, seeking nothing else, nothing more.  That is what true happiness is all about.

2.  Family and close friends are at the top.

Nurture your important relationships in such a way that when you tell the people you care about that you care about them, you’re simply reinforcing what they already know based on how you have prioritized them into your life.
Give them your full attention.  Let them see their own beauty in your eyes.  Let them find their own voice through your listening ears.  Help them discover their own greatness in your presence.
Make the people you love a top priority, always.

3.  Focus on importance, not urgency.

As Johann Wolfgang von Goethe once said, “Things which matter most must never be at the mercy of things which matter least.”
Truthfully, the most important thing in life is knowing what the most important things in life are, and prioritizing them accordingly.  Sadly, most of us spend too much time on urgent things and not enough time on important things.
So do yourself a favor and implement these three action steps every time you’re building or sorting your to-do list:
  1. Think about the difference between what is urgent and what is important.
  2. Review all the obligations on your list.
  3. Do what’s important first.
Sometimes everything on your list will look important, which might be true to an extent.  But as you practice prioritizing, you will get better and better at it.  And eventually you will know, without question, when to set aside the important things in order to accomplish the vital ones, like spending quality time with loved ones.  (Read The 7 Habits of Highly Effective People.)

4.  Keep your efforts aligned with your purpose.

Getting anything worthwhile done is a matter of connecting with why you have chosen to do this thing in the first place.
Don’t allow others to confuse you.  Don’t let them convince your heart what is right for you.  Your heart already knows.  Listen to it.  Don’t let anyone else dilute the power of your inner voice.  You’ve got to stand up for something specific, on your own two legs, or you will achieve nothing worthwhile in your own mind’s eye.
Within you there is a formidable and undeniable sense of purpose.  Happiness comes from making a solid and persistent connection to that purpose.  When your intentions are supported by a “why” that has meaning, you will find the “how” to bring them to life.

5.  Play to your strengths and delegate when it makes sense.

When it comes to tackling big projects, you can try to do everything yourself, or you can reach out and find the right people to help you.  The first choice will raise your stress and blood pressure; the second choice will raise your consciousness and effectiveness.
Choosing the right perspective is so important; you CAN see life’s challenges as opportunities.  When an unexpected obstacle is suddenly standing in your way, don’t get overwhelmed.  Take a breather and regroup.  Someone else nearby knows how to get around it.  Find and engage them.
For example, if your website is suddenly having glitches with a new web browser, don’t read a giant book on web design.  Hire a professional web designer.  See the problem as an opportunity to delegate.  Life is trying to teach you that most long-term, worthy endeavors are team efforts, and so much more palatable when shared with others.  Every unexpected obstacle in life is a lesson on teamwork in disguise, solvable with the right team of people.

6.  Socialize and share with peers.

Regardless of what you’re trying to accomplish, it’s always easier if you have a group of people who understand what you’re doing, why you’re doing it, and what challenges you’re facing.  Staying in touch with these people and sharing ideas with them will accelerate your effectiveness and happiness.  Best selling author, Seth Godin, refers to these people as your tribe members.
A tribe is a group of people connected to one another via an idea, movement or common goal.  For millions of years, human beings have been part of one tribe or another.  Godin says, “A group needs only two things to be a tribe: a shared interest and a way to communicate.”
Every single one of us craves the feeling of being part of something bigger than ourselves.  By nature, we are tribal, but oftentimes we become disconnected from our tribe.  We know our people are out there – somewhere – but we feel lost and disconnected from them.  If you’re feeling disconnected, open up to your peers and initiate a conversation.  Tap into your tribe.

7.  Give what you can, as you seek what you desire.

In many ways, life is a circle – what you put in to it comes back around.  When you make a positive impact in the world, the world will have a positive impact on you.
If you want to be rich, be generous.  If you want to make friends, be friendly.  If you want to be heard, listen.  If you want to be understood by others, take the time to truly understand them.  If you want to live an interesting life, be interested in the happenings around you.
You won’t always get back exactly what you wanted or expected, but when you give what you can you almost always receive what you need.  (Read The Secret.)

8.  Leave the past behind as you plan ahead.

Let old problems remain where they belong – in the past.  No matter how many times you revisit the past, there’s nothing new to see.  Don’t let what once happened get in the way of what is happening.  Just because you’ve made mistakes doesn’t mean your mistakes get to make you.  If something important didn’t work yesterday, figure out what changes can be made today.
Tame your inner critic; let go and move on productively.  You must make a conscious effort to do this, it won’t happen automatically.  You will have to rise up and say, “I don’t care how hard this is.  I don’t care how disappointed I am.  I’m not going to let yesterday’s problems get the best of me.  I’m taking the lessons and moving on with my life.”

9.  Commit to self-respect, regardless of the issue at hand.

Whenever you catch yourself in a rambling bout of negative self-talk, stop and ask yourself, “If I had a friend who spoke to me in the same way that I sometimes speak to myself, how long would I allow this person to be my friend?”
Remember, the way you treat yourself sets the standard for others, and the world at large, to follow.  Above everyone else, YOU deserve YOUR respect.  So make sure your decisions, behaviors and actions reflect your self-respect as you carry out your plans.  (Angel and I discuss this in more detail in the “Self-Love” chapter of 1,000 Little Things Happy, Successful People Do Differently.)

10.  Leave room to breathe.

Things don’t always go as planned.  Good things can’t always be planned.  Be flexible and open to life’s twists and turns.
Organize, but don’t agonize.  Keep your space and time ordered, but your schedule underbooked.  Create a foundation with a soft place to land, a wide margin of error, and room to think and breathe…
Freeing yourself from an overbooked schedule lets you experience more of life’s good surprises, and also provides you with flexibility when the unforeseen disrupts your foresight.


So, in summary…
Focus on your priorities, but take things in stride.  Make decisions, not excuses.  Live one moment at a time.  Count your blessings, not your troubles.  Let the wrong things go.  Look for lessons in unforeseen obstacles.  Ask for help.  Give as much as you take.  Make time for those who matter.  Laugh when you can.  Cry when you need to.  And always stay true to your values.

Thursday, September 19, 2013

This will make you happy. This is close to my heart.

Severs and restaurant people work so hard to give you the best meal possible in every visit. I think it is about time that tips really increase from 10% to 20% of the meal value . Please spread the love.

Monday, September 16, 2013

SUCCESS Tip-12 Things Successful People Do Differently

Thank you to marc chernoff for writing this amazing article that really reminded me about my SMART goals. so im sharing to you what inspired me hoping this will be a great start to your week my dear followers!

I’ve always been fascinated by people who are consistently successful at what they do; especially those who experience repeated success in many areas of their life throughout their lifetime.  In entertainment, I think of Clint Eastwood and Oprah Winfrey.  In business, I think of Steve Jobs and Warren Buffett.  We all have our own examples of super successful people like these who we admire.  But how do they do it?
Over the years I’ve studied the lives of numerous successful people.  I’ve read their books, watched their interviews, researched them online, etc.  And I’ve learned that most of them were not born into success; they simply did, and continue to do, things that help them realize their full potential.  Here are twelve things they do differently that the rest of us can easily emulate.

1.  They create and pursue S.M.A.R.T. goals.

Successful people are objective.  They have realistic targets in mind.  They know what they are looking for and why they are fighting for it.  Successful people create and pursue S.M.A.R.T. goals.
S.M.A.R.T. goals are Specific, Measurable, Attainable, Relevant, and Timely.  Let’s briefly review each:
  • Specific – A general goal would be, “Get in shape.” But a related specific goal would be, “Join a health club and workout 3 days a week for the next 52 weeks.”  A specific goal has a far greater chance of being accomplished because it has defined parameters and constraints.
  • Measurable – There must be a logical system for measuring the progress of a goal.  To determine if your goal is measurable, ask yourself questions like:  How much time? How many total?  How will I know when the goal is accomplished? etc.  When you measure your progress, you stay on track, reach your target dates, and experience the exhilaration of achievement that spurs you on to continued efforts required to reach your goal.
  • Attainable – To be attainable, a goal must represent an objective toward which you are both willing and able to work.  In other words, the goal must be realistic.  The big question here is:  How can the goal be accomplished?
  • Relevant – Relevance stresses the importance of choosing goals that matter.  For example, an internet entrepreneur’s goal to “Make 75 tuna sandwiches by 2:00PM.” may be Specific, Measurable, Attainable, and Timely, but lacks Relevance to an entrepreneurs overarching objective of building a profitable online business.
  • Timely – A goal must be grounded within a time frame, giving the goal a target date.  A commitment to a deadline helps you focus your efforts on the completion of the goal on or before the due date.  This part of the S.M.A.R.T. goal criteria is intended to prevent goals from being overtaken by daily distractions.
When you identify S.M.A.R.T. goals that are truly important to you, you become motivated to figure out ways to attain them.  You develop the necessary attitude, abilities, and skills.  You can achieve almost any goal you set if you plan your steps wisely and establish a time frame that allows you to carry out those steps.  Goals that once seemed far away and out of reach eventually move closer and become attainable, not because your goals shrink, but because you grow and expand to match them.

2.  They take decisive and immediate action.

Sadly, very few people ever live to become the success story they dream about.  And there’s one simple reason why:
They never take action!
The acquisition of knowledge doesn’t mean you’re growing.  Growing happens when what you know changes how you live.   So many people live in a complete daze.  Actually, they don’t ‘live.’  They simply ‘get by’ because they never take the necessary action to make things happen – to seek their dreams.
It doesn’t matter if you have a genius IQ and a PhD in Quantum Physics, you can’t change anything or make any sort of real-world progress without taking action.  There’s a huge difference between knowing how to do something and actually doing it.  Knowledge and intelligence are both useless without action.  It’s as simple as that.
Success hinges on the simple act of making a decision to live – to absorb yourself in the process of going after your dreams and goals.  So make that decision.  And take action.  For some practical guidance on taking action I highly recommend Getting Things Done.

3.  They focus on being productive, not being busy.

In his book, The 4-Hour Workweek, Tim Ferris says, “Slow down and remember this:  Most things make no difference.  Being busy is often a form of mental laziness – lazy thinking and indiscriminate action.”  This is Ferris’ way of saying “work smarter, not harder,” which happens to be one of the most prevalent modern day personal development clichés.  But like most clichés, there’s a great deal of truth to it, and few people actually adhere to it.
Just take a quick look around.  The busy outnumber the productive by a wide margin.
Busy people are rushing all over the place, and running late half of the time.  They’re heading to work, conferences, meetings, social engagements, etc.  They barely have enough free time for family get-togethers and they rarely get enough sleep.  Yet, business emails are shooting out of their smart phones like machine gun bullets, and their daily planner is jammed to the brim with obligations.
Their busy schedule gives them an elevated sense of importance.  But it’s all an illusion.  They’re like hamsters running on a wheel.
The solution:  Slow down.  Breathe.  Review your commitments and goals.  Put first things first.  Do one thing at a time.  Start now.  Take a short break in two hours.  Repeat.
And always remember, results are more important than the time it takes to achieve them.

4.  They make logical, informed decisions.

Sometimes we do things that are permanently foolish simply because we are temporarily upset or excited.
Although emotional ‘gut instincts’ are effective in certain fleeting situations, when it comes to generating long-term, sustained growth in any area of life, emotional decisions often lead a person astray.  Decisions driven by heavy emotion typically contain minimal amounts of conscious thought, and are primarily based on momentary feelings instead of mindful awareness.
The best advice here is simple:  Don’t let your emotions trump your intelligence.  Slow down and think things through before you make any life-changing decisions.

5.  They avoid the trap of trying to make things perfect.

Many of us are perfectionists in our own right.  I know I am at times.  We set high bars for ourselves and put our best foot forward.  We dedicate copious amounts of time and attention to our work to maintain our high personal standards.  Our passion for excellence drives us to run the extra mile, never stopping, never relenting.  And this dedication towards perfection undoubtedly helps us achieve results…  So long as we don’t get carried away.
But what happens when we do get carried away with perfectionism?
We become disgruntled and discouraged when we fail to meet the (impossibly high) standards we set for ourselves, making us reluctant to take on new challenges or even finish tasks we’ve already started.  Our insistence on dotting every ‘I’ and crossing every ‘T’ breeds inefficiency, causing major delays, stress overload and subpar results.
True perfectionists have a hard time starting things and an even harder time finishing them, always.  I have a friend who has wanted to start a graphic design business for several years.  But she hasn’t yet.  Why?  When you sift through her extensive list of excuses it comes down to one simple problem:  She is a perfectionist.  Which means she doesn’t, and never will, think she’s good enough at graphic design to own and operate her own graphic design business.
Remember, the real world doesn’t reward perfectionists.  It rewards people who get things done.  And the only way to get things done is to be imperfect 99% of the time.  Only by wading through years of practice and imperfection can we begin to achieve momentary glimpses of the perfection.  So make a decision.  Take action, learn from the outcome, and repeat this method over and over again in all walks of life.  Also, check out Too Perfect.  It’s an excellent read on conquering perfectionism.

6.  They work outside of their comfort zone.

The number one thing I persistently see holding smart people back is their own reluctance to accept an opportunity simply because they don’t think they’re ready.  In other words, they feel uncomfortable and believe they require additional knowledge, skill, experience, etc. before they can aptly partake in the opportunity.  Sadly, this is the kind of thinking that stifles personal growth and success.
The truth is nobody ever feels 100% ready when an opportunity arises.  Because most great opportunities in life force us to grow emotionally and intellectually.  They force us to stretch ourselves and our comfort zones, which means we won’t feel totally comfortable at first.  And when we don’t feel comfortable, we don’t feel ready.
Significant moments of opportunity for personal growth and success will come and go throughout your lifetime.  If you are looking to make positive changes and new breakthroughs in your life, you will need to embrace these moments of opportunity even though you will never feel 100% ready for them.

7.  They keep things simple.

Leonardo da Vinci once said, “Simplicity is the ultimate sophistication.”  Nothing could be closer to the truth.  Here in the 21st century, where information moves at the speed of light and opportunities for innovation seem endless, we have an abundant array of choices when it comes to designing our lives and careers.  But sadly, an abundance of choice often leads to complication, confusion and inaction.
Several business and marketing studies have shown that the more product choices a consumer is faced with, the less products they typically buy.  After all, narrowing down the best product from a pool of three choices is certainly a lot easier than narrowing down the best product from a pool of three hundred choices.  If the purchasing decision is tough to make, most people will just give up.  Likewise, if you complicate your life by inundating yourself with too many choices, your subconscious mind will give up.
The solution is to simplify.  If you’re selling a product line, keep it simple.  And if you’re trying to make a decision about something in your life, don’t waste all your time evaluating every last detail of every possible option.  Choose something that you think will work and give it a shot.  If it doesn’t work out, learn what you can from the experience, choose something else and keep pressing forward.

8.  They focus on making small, continuous improvements.

Henry Ford once said, “Nothing is particularly hard if you divide it into small pieces.” The same concept configured as a question:  How do you eat an elephant?  Answer: One bite at a time.  This philosophy holds true for achieving your biggest goals.  Making small, positive changes – eating a little healthier, exercising a little, creating some small productive habits, for example – is an amazing way to get excited about life and slowly reach the level of success you aspire to.
And if you start small, you don’t need a lot of motivation to get started either.  The simple act of getting started and doing something will give you the momentum you need, and soon you’ll find yourself in a positive spiral of changes – one building on the other.  When I started doing this in my life, I was so excited I had to start this blog to share it with the world.
Start with just one activity, and make a plan for how you will deal with troubles when they arise.  For instance, if you’re trying to lose weight, come up with a list of healthy snacks you can eat when you get the craving for snacks.  It will be hard in the beginning, but it will get easier.  And that’s the whole point.  As your strength grows, you can take on bigger challenges.

9.  They measure and track their progress.

Successful people are not only working in their job/business, they are also working on it.  They step back and assess their progress regularly.  They track themselves against their goals and clearly know what needs to be done to excel and accelerate.
You can’t control what you don’t properly measure.  If you track the wrong things you’ll be completely blind to potential opportunities as they appear over the horizon.  Imagine if, while running a small business, you made it a point to keep track of how many pencils and paperclips you used.  Would that make any sense?  No!  Because pencils and paperclips are not a measure of what’s important for a business.  Pencils and paperclips have no bearing on income, customer satisfaction, market growth, etc.
The proper approach is to figure out what your number one goal is and then track the things that directly relate to achieving that goal.  I recommend that you take some time right now to identify your number one goal, identify the most important things for you to keep track of, and then begin tracking them immediately.  On a weekly basis, plug the numbers into a spreadsheet and use the data to create weekly or monthly trend graphs so you can visualize your progress.  Then fine-tune your actions to get those trends to grow in your favor.

10.  They maintain a positive outlook as they learn from their mistakes.

Successful people concentrate on the positives – they look for the silver lining in every situation.  They know that it is their positivity that will take them to greatness.  If you want to be successful, you need to have a positive outlook toward life.  Life will test you again and again.  If you give in to internal negativity, you will never be able to achieve the marks you have targeted.
Remember, every mistake you make is progress.  Mistakes teach you important lessons.  Every time you make one, you’re one step closer to your goal.  The only mistake that can truly hurt you is choosing to do nothing simply because you’re too scared to make a mistake.
So don’t hesitate – don’t doubt yourself!  Don’t let your own negativity sabotage you.  Learn what you can and press forward.

11.  They spend time with the right people.

Successful people associate with people who are likeminded, focused, and supportive.  They socialize with people who create energy when they enter the room versus those who create energy when they leave.  They reach out to connected, influential individuals who are right for their dreams and goals.
You are the sum of the people you spend the most time with.  If you hang with the wrong people, they will negatively affect you.  But if you hang with the right people, you will become far more capable and successful than you ever could have been alone.  Find your tribe and work together to make a difference in all of your lives.  Tribes by Seth Godin is a great read on this topic.

12.  They maintain balance in their life.

If you ask most people to summarize what they want out of life they’ll shout out a list of things like: ‘fall in love,’ ‘make money,’ ‘spend time with family,’ ‘find happiness,’ ‘achieve goals,’ etc.  But sadly, a lot of people don’t balance their life properly to achieve these things.  Typically they’ll achieve one or two of them while completely neglecting the rest.  Let me give you two examples:
  • I know an extremely savvy businesswoman who made almost a million dollars online last year. Based on the success of her business, every entrepreneur I know looks up to her.  But guess what?  A few days ago, out of the blue, she told me that she’s depressed.  Why?  “I’m burnt out and lonely.  I just haven’t taken enough time for myself lately, and I feel like something is missing in my life,” she said.  “Wow!” I thought.  “One of the most successful people I know doesn’t feel successful because she isn’t happy with how she has balanced her life.”
  • I also know a surfer who surfs all day, every day on the beach in front of our condo complex in San Diego.  He’s one of the most lighthearted, optimistic guys I’ve ever met – usually smiling from ear to ear.  But he sleeps in a rusty van he co-owns with another surfer, and they both frequently panhandle tourists for money.  He has admitted to me that the stress of making enough money to eat often keeps him up at night.  So while I can’t deny that this man seems happy most of the time, I wouldn’t classify his life as a success story.
These are just two simple examples of imbalanced lifestyles that are holding people back from their full potential.  When you let your work life (or social life, family life, etc.) consume you, and all your energy is focused in that area, it’s extremely easy to lose your balance.  While drive and focus are important, if you’re going to get things done right, and be truly successful, you need to balance the various dimensions of your life.  Completely neglecting one dimension for another only leads to long-term frustration and stress.  For some practical guidance on balancing your life, I recommend Zen and the Art of Happiness.

Wednesday, September 4, 2013

How To Stay On Track With Your Goals And Get What You Want

 Article courtesy of Elite Daily.
Thank you Elite Daily. I think this is a very good article and i would like to share this to this blog's followers so they can be inspired with this as much as it inspired me. =)

We’re over halfway through 2013, already. Can you believe it?
Everyone gets so excited about the New Year and considering his or her goals and ambitions for the next 12 months, whether they’re things they want to make happen, give up or improve upon. Everyone starts the New Year off super motivated and excited, and then, nothing happens.
Fast-forward six months, and not much has changed.
Let’s get real for a moment. It has nothing to do with the stars aligning, your energy being off or your karma. Although those things might be true, I think you actually hand your power over when you blame any external factor for your inability to reach those goals and ambitions.
I’m not one of those coaches that smiles and nods and doesn’t give advice or feedback. I think that’s a waste of money and keeps you from improving.
I changed my own life, and now I help other people do the same with my coaching programs and downloads. Whether you realize it or not, you don’t have to stay stuck where you are, and you can absolutely have everything you want. You just need to change the way you think about yourself and above all else, take action!
Whatever you are working on, here are eight ways to stop holding back and get what you want:

Be honest about what’s not working for you.

Get real with yourself, and look at where and how you have been holding yourself back. Do you say you’ll do things and then never get around to them? Are you easily distracted and lose focus? Or are you lacking self-confidence to take the first step?
Without judging yourself, just be really clear on where you are at right now, in terms of both the good and the so-called bad. Once you are honest with yourself about where you are, you can begin to change.

Find clarity on what you really want.

It’s okay to review your goals and ambitions regularly. You might be in a very different place now than you were six months ago, and that’s okay. There’s no point in working towards something you aren’t passionate about.
Take some time to really find clarity on what you want. One of the first things I do with new clients is help them to discover what it is they really want to achieve because with clarity, comes direction and focus. Remember, setting goals is the start of achieving them.

Write up a plan.

Knowing what you want is one thing, but planning for it is quite another. Don’t waste time daydreaming about something. Sit down and create a plan for achieving it.
Give yourself a timeline that covers the next six months (or however long you think it will take to achieve these goals), and break down the actions you will need to take into manageable steps, as well as take note of the people with whom you will need to speak. Get a friend to hold you accountable to never, never waste time talking about what you are “going” to do. I find it really helpful to set goals with a friend and hold each other accountable.
Afterwards, ask yourself what one thing can you do right now to get the ball rolling on your goals?

Make new habits.

Carl Jung said, “We are what we do, not what we say we’ll do”
If your goal is to get fit and healthy, then make sure that your lifestyle is supporting that. If it is to start your own business, then make sure you are spending time with people who know more than you and can take you to the next level. These might sound fairly obvious, but it’s amazing how we sabotage our own efforts towards things without even realizing. The results of our lives are the results of our daily habits. What daily habits can you cultivate starting now that will help make your resolutions realer for you?

Evaluate the people you hang out with.

Take a look at the people with whom you spend the most time. You might not realize it, but the people that you surround yourself with have a profound effect on your beliefs and actions. When you are working on making changes in your life, it’s of the utmost importance that you surround yourself with the right people.
Seek out happy, motivated people who are also working on goals and resolutions, and make it a point to spend time with people who know more than you do, embody what you want, and push you to be better.
You are unlikely to see Olympic athletes hanging around heavy drinkers and smokers, and you are just as unlikely to see successful entrepreneurs spending time with people who complain that life is out to get them. Which relationships can you invest more time in?

Immerse yourself in your aspirations.

Instead of keeping your goals and intentions as a separate part of your life that you have to “work on” later, try and get as much relevant information about your goal into your day as possible. You can use the commute to work for listening to audio books or study guides. Rather than reading through trashy magazines, choose a book that inspires you to make changes. Also seek out places that support the new you and where you can be around like-minded people. The key here is to get excited about the changes you are making in your life and to immerse yourself in material and
places that support you in doing so.

Alter the way you think.

Everything in your life right now is a perfect match to your beliefs and expectations about yourself and the world. I love discussing mindsets with people because it forms the foundation for everything that we do.
What would you need to start believing about yourself in order to have what you want? Some ideas are:
Actually, I CAN do it. I DO deserve to succeed. The past is over and done with, and it’s time for a new and exciting chapter in my life.
Give yourself the possibility of a new possibility! You really CAN do it.

Do all things you are putting off.

One of the things I get clients to do is make procrastination lists, I have them write down everything they’re putting off doing about a goal or project, and I have them go through it and take immediate and fast action.
I know this sounds like common sense, but despite the name, common sense isn’t that common! One of the best ways for you to keep yourself stuck in place is to say you’ll do things and not do them. Be a person who follows through and takes big steps.
Remember, baby steps are for babies!
Take action! What actions can you take right now to get back on track with your goals?
Top Photo Courtesy: This Is Your Conscience

Sunday, August 11, 2013

Money Tip for the Week-knowing your financials

Everyday is a personal journey to financial security for me. This post is still dedicated to two of my good friends in town who are dating jobless men. They say money cant buy happiness, but honestly now what do we do without money? That is just plain unrealistic.

So, for this week, I want you readers to know the basics of financial statements. If you have your own business like I do, these are the financial papers I need to have. The same principle applies to our financials and our own bank accounts. After reading this, let me know how your numbers add up. =)

1) Income Statement- An income statement tells investors how a company performed over usually a three month period - or a “quarter”It can get nauseating looking at one  but it’s actually very simple: There are revenues (what the business brought in from selling goods or services), expenses (what the business had to pay to make those sales), and the bottom line, which is calculated by subtracting expenses from revenues and determining whether the business made a profit or suffered a loss.

HOW TO apply this to you
subtract all your expenses from your revenues then see what the number is and work from there. Expenses are gas, food, entertainment, mortgage for the house, shopping, etc. Revenues could be from interest earned, salary, commission, etc.

2) Balance Sheet - This shows how much money a company has in the bank and how much it owes. It is calculated for each quarter, and for the year as a whole. it provides a pretty clear picture of how a company’s doing. There are two main parts to the balance sheet: assets (like cash, property, inventory, equipment, land), and liabilities (accounts payable, expenses and debt). If you subtract liabilities from assets, you get a company’s net worth. The most profitable companies should see a consistent increase in net worth.

HOW to apply this to you
You know your assets- house, jewelry, stocks, bond certificates. In my case, I include my designer bags, sunglasses or even shoes as assets because I own them and can be converted to cash next time. For some people they consider these as expenses but not for me. hee hee.Liabilities are "utang" like debt, more expenses. So do the math...

3) Cash Flow statement-  The cash flow statement tracks the cash that flows in and out of a business. More specifically, this financial statement tells investors whether the company is bringing in more cash than it’s spending, or spending more cash than it’s bringing in. Positive cash flow doesn’t necessarily mean that a company is profitable, but it tells us whether there's enough cash to pay its expenses.

HOW to apply this to you
 In personal finance, managing cash flow is the heart of it all. Just earning money and paying the bills is not managing cash flow. Getting by just wont cut it. In Filipino term, the "isang kahig, isang tuka" wont make you survive in the long term.  This involves looking at the money you bring in each month and dividing out your expenses into fixed expenses (such as mortgage, utilities, debt repayment, etc.), discretionary expenses (do you need that new lipstick? or those new shoes??), savings and taxes. The key is to work toward having the cash on hand to funnel toward each of those things each month. The fixed xpenses usually are the basic ones-shelter, food, utilities like water and electricity, phone expense which is now considered a necessity (at least the basic plan) Tips for us

1) plan what you will pay for - do not just go on a vacation on a whim especially if you are on a tight budget.
2) reduce debt- this includes paying your credit card bills. If you do not pay the whole amount in full, one is normally charged 3.5% MONTHLY. so that's 3.5 times 12 in a year. Can you imagine how big that is?
3) cut unnecessary spending

Feel free to drop me a line! follow me on twitter @iamheiding, follow this blog on networked blogs and google, instagram @imwanderwoman

Sunday, July 28, 2013

Healthy Tip for the Week-Eat these anti aging foods

thank you casa 222 for this strawberry and avocado green salad =)
Credit goes to ELLE/ Healthy Living for this wonderful tip! We asked nutritionist Dana James which foods to add to your diet so you can feel like you're 19 again. (Ok, only a time machine can do that, but these will help, we swear!)

 1. Avocado The green fruit that could has fat. That's right, it contains monounsaturated fat. This is a good thing. The fat is so tiny it can slip through membranes and protect cells from free radical damage. This enhances vitality and mental acuity, and improves skin texture. Bonus: Avocados may also improve bone density thanks to the mineral boron, which helps absorb calcium, and a whole avocado contains 14 grams of fiber, which expedites the removal of toxins that can lead to aging. Avocados are best served as an unadulterated raw food. (We've never liked cooking avocados.) Make a cooling cucumber and avocado soup with fresh mint, toss avocado into organic mixed greens with lemon vinaigrette, or add avocado to a nori wrap filled with baby greens, wild salmon, tomatoes, peppers, and sprouts.

 2. Turmeric Consider turmeric a regular must-have. It been shown to help prevent cancer, and it contains curcuminoid pigments that turn on genes that enhance the body's own synthesis of antioxidants. Turmeric also protects brain cells and skin cells from free radical damage, improving concentration and slowing the formation of wrinkles and fine lines. Turmeric's warm peppery flavor adds depth to smoothies, vegetables, and eggs. Add a dash of ground turmeric to an almond milk, banana, and raw honey smoothie, pan-fry organic eggs in coconut oil and toss in ground turmeric, or sauté kale in coconut oil and turmeric.

 3. Green vegetable juice If you juice, pat yourself on the back. Juicing green vegetables breaks down the plant's cell walls so the nutrients can quickly be absorbed and assimilated into the body with very minimal digestive effort, making it the quickest way to infuse the body with antioxidants, phytonutrients, enzymes, oxygen, chlorophyll, vitamins, and minerals. An eight-ounce juice is equivalent to two large salads with no dressing. Use the season to dictate the ingredients of a green vegetable juice. In summer, try cucumber, fennel, mint, kiwi fruit, and lime. In winter, make a juice with dandelion greens, spinach, spearmint, cucumber, apple, and Meyer lemon. A touch of citrus helps prevent oxidation.

 4. Arctic char Arctic char packs in all the benefits of salmon, but it is actually farmed in an environmentally sustainable manner, making it the preferable choice. It contains the same amount of omega-3 fats as wild salmon- 1300 milligrams per four ounces- which inhibit a wrinkle-causing enzyme. The omega-3 fats also improve the integrity of brain cells, which helps decrease brain fogginess. If that's not enough, char also contains carotenoids, which improve eyesight and protect skin cells from sun damage. Frankly, we can't think of a reason to not eat this magical fish! Serve pan-seared arctic char over a watercress and pink grapefruit salad, make an arctic char ceviche with fresh lime, or add flaked arctic char to a kale salad with hemp seeds and yellow peppers.

5. Hijiki Sushi lovers should be sure to add a hijiki appetizer to their next order. The black sea vegetable is rich in iodine, which increases the synthesis of the thyroid hormone, thyroxine, to boost the metabolism. Also, 40 percent of hijiki is fiber, which helps regulate hormones and enhances liver detoxification. Hijiki has a pasta-like texture, making it an ideal substitute when following a gluten-restricted diet. Simply soak the hijiki in water for 20 minutes, and then boil it for 10 minutes, just like pasta. Add hijiki to organic mixed greens tossed with spicy pumpkin seeds, avocado, and hemp seeds. Or, you know, just order takeout.

6. Hemp Seeds Before you shriek and hide from tie-dye and Birkenstocks, relax. Hemp seeds are actually good for your skin. They help improve firmness and radiance. They're also the only edible source of gamma-linoleic-acid (GLA), an anti-inflammatory omega-6 fat, which forms part of the membrane that surrounds skin cells. Finally, hemp seeds contain 15 grams of protein per three tablespoons, making it an ideal protein source for individuals following a plant-based diet. The protein also helps to synthesize collagen and elastin, keeping skin firm and supple. Eat hemp seeds raw as heat will destroy their delicate oils. Toss them over a kale and avocado salad, add them to a mango smoothie for an extra protein boost, or make a raw tabouli salad with hemp seeds, parsley, tomatoes, and lime juice.

7. Chlorophyll Need to atone for everything? Welcome to the antidote to your dietary sins. If you drink coffee, chloryphyll helps to negate its acidity. If you drink alcohol, it helps metabolize alcohol faster. If you eat non-organic produce or fish high in mercury, it helps remove these toxins. If you don't do any of these things (Good for you! We'll have another cup of coffee, please!), it simply enhances your own vitality. Chlorophyll is the green pigment in all green plants, but can be bought in a concentrated liquid form made from nettles or mulberry leaves. Make chlorophyll water by mixing three tablespoons of chlorophyll to 32 ounces of filtered water. Flavor the drink by adding cucumber and fresh mint. Alternatively, make a green tea smoothie with almond milk, matcha green tea, avocado, chlorophyll, vanilla, and cardamom.

Wednesday, July 17, 2013

Saving tip for this week

Do you know that in other countries, you have to pay to do banking?,it was a shock to me that I had to pay to the bank. In my mind I was giving the bank business,so why should i pay?
I learned early on that different big banks have different fees for checking and savings account. In the Philippines, chequing account means to literally have a check account where you get physical checks to pay for things. In Canada, for example, chequing account is tied to a debit account where apart from checks, a debit card is issued to you for you to pay for a number of things. The credit card machines also act as debit machines.Withdrawals from a chequing account can by made by: cheque, debit card, ABM (cash withdrawal), teller, moving money from one account to another, paying bills online, setting up automatic payments for regular monthly bills.

In most basic bank accounts here, you pay for withdrawing money from your debit. In some banks, you get a monthly withdrawal of only 10 transactions and the rest you have to pay for. The price varies from a dollar (php44) upwards. I found this very weird. Why do i have to pay when I withdraw my own money?

Anyway, as i discovered along the way, most banks will charge you from $14.95 monthly just to bank with them and get limited withdrawals . Bad news. The good news is, when you are an immigrant, you have access to several bank products that offer savings and banking options with free credit cards with no fees. These are usually good for only a year.

Scotia bank, for example, as a new immigrant account that will give you a free credit card( which is very very important in establishing a credit history in any country) Credit history is what will help you get a mortgage later if you wish to get a house, a loan for a car, or even a school loan. The program is called StartRight

Royal Bank of Canada, another big bank here is offering a newcomer to Canada bank product too that gives you savings, checking, and credit card, too for no fees. I really cannot imagine paying $15a month just to be able to bank. I hope this never happens to the Philippines. So, I took advantage of the immigrant banking options available to save on monthly fees.

I suggest asking your banks what you can do so you dont have to pay monthly fees. I researched about this and I got free banking accounts for a year.

That's total savings of $360 for a year for 2 bank accounts!$360 is already a plane ticket to San Francisco, or a short course on creative writing, entrepreneurship, or a short cooking class here.

Even if you dont live in Canada or in a country where you have to pay banking fees, I suggest you ask your bank on how to get their services for free.

Sunday, July 7, 2013


My colleague Tina swears by how healthy and cheap Subway is. With $6, you get a filling sandwich that already comes with a minestrone soup. IT is good mix of meat, healthy vegetables in the soup, and fresh lettuce and tomato on the sandwich bun! Not bad for $6!

Thursday, June 27, 2013

HOW TO SURVIVE in an expensive city

Okay, so two of my closest friends in Vancouver, voted North America's most expensive city in the recent year, are now going out with newly unemployed men. How do you date and survive in Vancouver when Vancouver is freakin even becoming more expensive than New York? So, in honor of my two besties in Vancouver, I will update this blog on where to get the cheapest eats, where to stay, and tips on how to make one's money stretch. These blog entries are not just for those dating on-the-budget men ;but hopefully will also be helpful to people trying to save for a holiday, a car, or even a house. These tips will hopefully be applicable in your lives-whether you live in Manila, Vancouver or London. We will all try to see how we can save, and how to live large with less money. Join me and my friends in this journey. If you know of any place worth featuring or writing about, feel free to drop me a note! Looking forward to all your mails! =)

Tuesday, April 2, 2013

MANILA Yishion goes on sale!

Fashionistas can kick off summer in style as Yishion, one of the country’s latest fashion imports, offers up to 50% off on all off-season items¾from cool graphic tees and crisp button-downs to lightweight tops and printed dresses. Providing quality and value for style-savvy girls and guys, the international apparel brand lets shoppers score major discounts on fabulous duds until April 15. The brand’s first major sale gives shoppers as much as half off on stylish wardrobe staples and of-the-moment pieces to spice up their closet. Yishion features lots of versatile pieces that can go from day to night, and a selection of on-trend accessories to match any look. Summer-ready sartorial picks at Yishion are now more affordable than ever, with price points starting from P490, P590, P790, P990, P1090 to P1390. So start off the season on a fashionably sizzling note and shop till you drop at Yishion! Yishion branches are located in Shangri-la Mall, Mandaluyong City and District Mall, Cavite.

Monday, March 25, 2013

HONG KONG'S Ava Rooftop restaurant

Summer destination in Hong Kong is the Ava Restaurant on top of the Hotel Panorama at 8A Hart avenue Tsimshatsui in Kowloon. Fantastic views, great chef, and a buffet lunch with delicious seafood, parma ham, and dessert buffet offering. Read more about it on my column for

Saturday, March 23, 2013


Every Color, Everyday: Live in Havaianas Color Looking around, it’s amazing to see a world so full of color and life. But all too often, we don’t realize that we are even more colorful and vibrant than the world around us. To say we live rich lives is an understatement; and to say that we are defined by just one color is an injustice. From feeling blue one day to being tickled pink the next, each day adds another colorful brush stroke to the amazing painting that we are. And with Havaianas, you can live life in full color both inside and out. Every Color, Everyday Offering flip-flops in all the colors of the rainbow and then some, Havaianas understands that people live vividly hued lives. Human nature is dynamic, not static, and no one can be boxed in by just one color. As people live and love and move and act, they continue to add more layers to themselves – which are painted richer and brighter hues because of their experiences. This summer, Havaianas invites you to celebrate life by embracing your vibrant and colorful self with the latest collection of new shades from the world’s most loved brand of flip-flops. This summer’s release of the now-ubiquitous Brazilian flip-flops features new colors for beloved Havaianas classics like Havaianas Top, Havaianas Top Mix, Havaianas Slim, Havaianas Brasil, Havaianas Brasil Logo, Havaianas Brasil Mix, and so much more the perfect companions to match every look, mood, or lifestyle as you continue to live summer every day of the year. Take part in the Havaianas story and grab a pair now, available in Metro Manila at All Flip-Flops, Celio, Complex, Duty Free Philippines Fiesta Mall, J&S Surf Shop, KidSports, Manila Polo Club, Nail Spa, Ocean Front, Plana Forma, ROX, Rustan's, Stoked, Tick Tock Flip Flop NAIA Terminal 3, and Urban Athletics. For provincial outlets, visit