Posts Tagged 'life'

Understanding Urinary Tract Infection (UTI)and how it can be prevented

WHAT IS UTI?
UTI stands for Urinary tract Infection, it commonly affects the bladder (sometimes ureters and kidneys) because of the presence of bacteria in the urinary tract system. The urinary tract system of the human body is composed of tubes and containers necessary to store and remove urine from the body. The upper tract placed kidneys which produce urine by removing waste and water from the blood. The lower tract has two narrow tubes called ureters that connect the kidneys. The urine, when stored in the body travels down to the narrow ureters and stuck up in the bladder, at the bottom of the bladder, a small tube can be found, this is called urethra which then removed the urine out of the body.
It is estimated that 50% of women will experience UTI in their lifetime.

HOW UTI DEVELOPED?
Urine is bacteria-free. But if bacteria comes from outside (usually through the urethra), it will slowly develop into UTI. The most common bacteria that will trigger UTI usually occur in the large intestine. The most common type of UTI is bladder infections, scientifically called cystitis. These bacteria moved to the upper tract through ureters causing a kidney infection which is a more serious infection and needs medical attention right away.

SYMPTOMS OF UTI
Sexually transmitted diseases are another reason for UTI. Sexually active women are more prone to UTI and women after menopause. Women who engaged in sex often attracted bacteria to the urinary tract system, menopause women losses estrogen hormones causing the thinning of the urethral tissue therefore prone to bacteria because in the absence of estrogen, vaginal ph changes and reduced the number of good bacteria in the vaginal area to fight bad bacteria. Below are the common symptoms of UTI
a. Burning sensation while urinating
b. Frequent urge to urinate (passing only small amounts)
c. Pressure in the lower part of the abdomen
d. Blood in the urine
e. Bad odor in the urine

WOMEN ARE EASILY THE TARGET OF UTI
UTI usually affects women because of the short length and location of urethra of women compared to men. It is a prime entry point of bacteria to the urinary tract system. Bacteria from the nearby rectal area can migrate to the urethra. Women who are on the post-menopausal stage losses estrogen hormones which enable to body to produce good bacteria around the vaginal area.Using of birth control like spermicide and diaphragm increase the chances of acquiring UTI

MEN ARE AFFECTED TOO
Men can get UTI too, often the result of obstruction flow of urine. Men who are unable to urinate can attract bacteria to the urinary tract system. Another reason is inflamed prostate gland which restrict urine flow

HOW IT CAN BE TREATED
Uncomplicated UTI is commonly treated by antibiotics, left untreated UTI can progress to the upper tract which endangered the kidney.

HOW IT CAN BE PREVENTED
UTI can be prevented by drinking many liquids to flush bacteria, drink a lot of water at least 8 glasses a day, Cranberry juice may be protective because of its too acidic taste which can fight bacteria in the body, take Vitamin C. One must avoid too much soft drinks, salty and junk foods. Soft drinks can dries up the body which can create more bacteria. Urinate frequently when you feel the urge to urinate, bacteria will grow when urine stays in the bladder for too long. For sexually active individuals, urinate after each sexual activity to flush out bacteria.

Sources: health and home magazine and Mayo clinic health bulletin

MISS UNIVERSE CONTROVERSIES

Alicia Machado of Venezuela almost lost her title when she gained too much weight during her reign. The pageant owner, Donald Trump, slighted her by the calling \"the eating machine\"
Dayanara Torres made headlines to the world when she divorced singer Marc Anthony in 2003. fo a while she lived in the Philippines then moved to New YorK city where she is now a television actressFirst Photo: Alicia Machado of Venezuela almost lost her title when she gained too much weight during her reign. Pageant owner, Donald Trump, criticized her weight gain by calling her “an eating machine”. Second Photo:Dayanara Torres of Puerto Rico, she made headlines when she divorced her husband singer Marc anthony in 2003. She lived for five years in the Philippines before she settled down in New York City to pursue an acting and singing career.

Miss Universe, just like any other prestigious event and contest, is mixed with great anticipation and intrigues. Here, the author listed several controversies that happened in one of the oldest beauty pageant in the world.

MIRIAM STEVENSON OF USA (1954)-was the first Miss USA winner of the Miss Universe title in 1954. There it happen the first controversy of the pageant. Miriam tied with Miss Brazil’s Martha Rocha, the organizers decided to break the tie through the pageant’s major sponsor-the Catalina Swimwear, eventually the judging boiled down to who has the greater body. The votes favored Miriam Stevenson, because according to reports, she had the fitter hips compared to Miss Brazil.

GLADYS ZENDER OF PERU(1957)-born on October 1939, Gladys made history as the first Latin woman to win the prestigious Miss Universe title, but she was controversial because of her age. Few months after the pageant, it was revealed that the Peruvian beauty queen was only 17 years old, a year younger than the minimum age requirement of the pageant (18). The pageant organizers however was quick to defend that in Peru a person is considered one year older than their age after 6 months of their actual birthday. She was not dethroned however. She married Antonio Meier in 1965 and had 4 children together. Gladys Zender, the youngest Miss Universe winner ever, chose to live a quiet life away from the glittery world of show business.

AMPARO MUÑOZ OF SPAIN (1974)- born on June 22, 1954 in Spain, Amparo was the only Miss Universe titlist from Spain. She won the title in 1974 in Manila, Philippines. Several months after she was crowned, she gave up her title to pursue a showbiz career. She did not replace by the pageant organizer and managed to keep her crown.

MARITZA SAYALERO OF VENEZUELA (1979)- born on Feb.16,1961 in Caracas, Venezuela, Maritza became the first Venezuelan to win the Miss Unverse title. When she was named Miss Venezuela, her first runner up Maria Fernanda Ramirez refused to accept the result, Ramirez’s family confronted the jury, nevertheless the title secured by Maritza. But another unfortunate event greeted the first few hours of her reign in Perth, Australia where the pageant was held, when the live telecast was over, the stage collapsed due to the presence of so many journalists taking her photos, several contestants were injured including Miss Brazil and Miss Turkey. The audience panicked but Maritza, with her tiara and sash on, had the presence of mind to save one contestant from a hole of the stage. She then went to New York City to serve her term and responded her role with determination to help charities. She married in 1981 to a Mexican tennis player Raul Ramirez and presently lived in Mexico

IRENE SAEZ CONDE OF VENEZUELA (1981)-born in December 13, 1961 was the only Miss Universe titlist who floated to the world of politics. In early 1990’s she served a two term as mayor in the municipality of Chacao, Venezuela. Her performance as mayor gained her a nationwide popularity that in 1997 she was considered a potential presidential candidate, but in the 1998 Venezuelan national election she lost to Hugo Chavez. She regained her political career in 1999 when she won the gubernatorial race in the province of Nueva Esparta but gave up her post in the late 2000 when she got married and moved to Florida, USA.

DAYANARA TORRES OF PUERTO RICO (1993)-born on October 28,1974 in Puerto Rico, Dayanara’s victory in the Miss Universe tilt attracted controversy because she did not win any of the 3 major categories in that pageant held in Mexico. She placed 4th in the question & answer portion, fifth in both swimsuit and evening gown competition, nevertheless, Dayanara proved her worth on the crown, during her reign, she worked endlessly on various charities, she became an ambassador of UNICEF helping underprivileged children through out the world. After her reign, she established a foundation which provided scholarships to children. She lived for five years in the Philippines where she became a well-known TV host, actress and model. After her stint in Philippine television, she moved to Puerto Rico and to the US and started a singing and acting career, she married Latin singer Marc Anthony on May 9, 2000 where she had 2 sons, but on October 2003, they announced the sad news of separation and divorced a year after. Currently, Dayanara is dating American actor Amaury Nolasco. Her ex-husband Marc Anthony married Jennifer Lopez whom he had twins.

SUSHMITA SEN OF INDIA (1994)- born on November 19, 1975 in West Bengal, India, is the daughter of Indian Air force wing commander Shubeer Sen and Subhra Sen, a fashion artist and jewelry designer. In May 10, 1994, Sushmita became the first Indian to win the Miss Unverse title in Manila, Philippnes. The pageant result at first, did not suits well to the fame craze Pinoy audience who favored the Venezuelan bet Minorka Mercado, a towering 6’2 varsity player in volleyball. Sushmita, who was a dark horse during the contest, did not win the crowd’s admiration with her not-so elegant gown and appearance, even in the fearless forecast before the actual show she failed to capture the public’s fantasy, whose favorites were Kristelle Rolandt of Belgium, Areeya Chumsai of Thailand, Minorka Mercado of Venezuela and the home bet Charlene Gonzales. Sushmita only emerged 3rd during the interview portion and fourth on the swimsuit and evening gown competitions. But she impressed the 8 panel of judges, including the hairstylist of Princess Diana- Richard Dalton, with her unique poise, grace and intellect, her winning answer to the final question “What is the essence of being a woman” was inspiring that it became a household quotes among the Filipinos, she said: “A woman is a gift and it should be appreciated, she is the origin of life, therefore should be treated not as a mere sexual object but as an important human being”. After her reign, she joined Bollywood showbiz in India and became a famous actress. At 34, Sushmita Sen, however, is still single but adopted a girl in 2000 whom she named Renee.

ALICIA MACHADO OF VENEZUELA (1996)-born on December 6, 1976 in Maracay, Venezuela, Alicia almost lost her title when she gained too much weight during her reign. As Miss Universe, she was expected to stay fit and trim as she would represent the Miss Universe Organization with glamour and grace. Though Alicia is one of the most beautiful Miss Universe winners ever, she looked haggard and worn out when she ballooned beyond limit. The Miss Universe organization was considering of replacing her with her first runner up Taryn Mansell of Aruba, Alicia, pressured by her title and responsibilities tried hard to loss weight. In the end, she managed to shed off extra pounds and kept her crown. The pageant owner, American billionaire Donald Trump, slighted her with the dismissive title “an eating machine” in the 1997 promotion of the next Miss Universe pageant. After her reign, she made showbiz her lifetime career, debuting on Venezuelan soap opera as “Samantha”, the telenovela, which was shown in Philippine television GMA channel in 2000, was an instant hit. In February 2006, Alicia generated another controversy when she appeared in the Mexican issue of Playboy magazine as centerfold, making her as the only Miss Universe titlist to pose nude for playboy. She got married and gave birth to a daughter last June 2008.

DENISE MARIE QUIÑONEZ OF PUERTO RICO (2001)-born on September 9, 1980 at Ponce, Puerto Rico. She was the first Miss Universe winner to win at home, which gave rise to rumors “ home court decision”. In Miss Universe history, no pageant host country wins the title. Denise bested more than 80 delegates including the crowd favorite (and my favorite too) Greek model Evelina Papantoniou whom journalists regarded as a deserving winner. Denise pursued a movie career after her term.

OXANA FEDOROVA OF RUSSIA (2002)- born on December 17, 1977 in Russia, Oxana is the daughter of a Russian nuclear physicist whom she did not meet, her parents separated when she was 3 years old and she never heard from her father since then. Oxana became the first Russian to be crowned Miss Universe in the 2002 pageant held in Puerto Rico. She graduated from Russia’s Police Academy and became a police officer, later on, she enrolled at the Russian Ministry of Internal affairs University to become an investigator, she also worked as a fashion model. In 2001 she easily won the Miss Russia title but declined to represent Russia in Miss Universe 2001 for unknown reasons, but in 2002 she went on to join the pageant, her glamorous physique made her an event favorite and scored high in three major categories, according to the official tally of scores, she earned an almost perfect score of 9.88 in the swimsuit portion, making her as the only candidate with a highest score for that event in the history of the pageant. But several months after her victory, Oxana was dethroned by Miss Universe organizers for her failures to function on her responsibilities as Miss Universe. In her interview, she denied rumors of pregnancy. She was the only official title holder of Miss Universe who was dethroned and the organization did not recognized her as “former Miss Universe winner”, she was replaced by her first runner up, Justine Pasek of Panama.

PRINCESS DIANA’S SHORT BIOGRAPHY

The wedding of the 20th century, Prince Charles and Princess Diana seemed a fulfillment of a fairytale stuff that goes..and they lived happily ever after, but destiny decreed otherwise.

The wedding of the 20th century, Prince Charles and Princess Diana seemed a fulfillment of a fairytale stuff that goes..and they lived happily ever after, but destiny decreed otherwise.

the late Princess of Wales, Diana. her compassion and kindness made her unforgettable through out the world

the late Princess of Wales, Diana. her compassion and kindness made her unforgettable throught out the world

She had been born The Honorable Diana Frances Burke-Roche Spencer on July 1, 1961 at Sandringham, a 25, 000 acre estate of Her Majesty Queen Elizabeth II of Britain. The private royal estate located at Norfolk, England, is a favorite royal residence of three British Monarchs, Edward VII his son George V and his grandson George VI. Diana’s family lived in Park house in Sandringham until 1975. Diana’s parents came from Britain’s remarkable noble family, her father the 8th Earl of Althorp, Lord Johnny Spencer was a direct descendant of King Charles II through his two sons the Duke of Richmond and the Duke of Grafton, Diana’s mother Frances was the pretty blonde daughter of the 4th Baron Fermoy, Lord Edmund Burke-Roche whose mother was the American billionaire Frances Work.Diana had two older sisters Sarah and Jane and a younger brother Charles.

In 1967, when Diana was six, her parents separated. Soon the nasty custody battle started, the proceedings highlighted with Diana’s maternal grandmother, Lady Ruth Fermoy, the Lady-in-waiting of the Queen Mother at that time, defended Lord Spencer in court, eventually the custody ruled in favor of Diana’s father. In 1969, after the divorce became final Frances married Peter Shand Kydd, a wealthy commoner trader. Lord Spencer remarried in 1976 to the former Lady Dartmouth, Raine, daughter of romance writer Barbara Cartland. Diana had a difficult childhood, though she was born to a privilege, upper class noble family, her memories were mostly confined in the troubled marriage of her parents, her resentment toward the Spencer’s staff and the rejection she felt for not being a boy at birth, which she found out later, was the cause of her parents separation. Her father was yearning for a son to pass his noble title, when his wife, Frances, failed to produce a boy after two daughters, Lord Spencer increasingly became erratic until his outbursts became an emotional abuse to his wife, when the Spencer heir, Charles was born 3 years after the birth of Diana, Lord and Lady Spencer’s misunderstanding lead them to separate lives.

She attended an exclusive school for girls, first at Riddlesworth then moved on to West Heath boarding school. When she was 14, her grandfather, Lord Albert Spencer, the 7th Earl of Althorp, died, her father officially became the 8th Earl of Althorp and moved with his children to the Spencer family seat at Althorp estate in Northamptonshire, England. Diana and her sisters earned the courtesy title of a Lady and her brother Charles became Viscount Althorp. At the age of 16 Lady Diana dropped out from school and was sent by her father to Switzerland to study in a private finishing school for girls but after 3 months she went home. When she was 18 years old, she was permitted by her parents to buy an apartment called Coleherne Court in London and lived independently, first she earned her keeps by working as a baby sitter then as an assistant to a nearby kindergarten school.

When Lady Diana was 19, she met the 31 year old Prince of Wales, Charles, who was increasingly pressured by his family to settle down to ensure the continuation of the House of Windsor, but as an heir to the British throne, he couldn’t afford to just choose any woman, his uncle Lord Mountbatten already warned him that it could be a disaster to the future of the monarchy if he choose a commoner non aristocratic woman. While making an agonizing decision in marriage, Prince Charles began to notice the blossoming beauty of Lady Diana, they quietly known each other for they came from the same social class and Charles, at one point, briefly dated her older sister Sarah in 1977. when they met again in July 1980, the Prince of Wales noted how much she transformed into a beautiful young woman. When their private dates became known to the press, the innocent Diana felt terrified of the attention and pressure the media had given to her, which she found “unbearable”.

When the royal family knew of their love affair, they quickly approved Diana and pronounced as the most suitable candidate for the future Queen of England. By royal tradition, a future Queen Consort should be titled, with noble or royal lineage, socially inexperienced, a protestant without a past and most of all no career of her own. Ideally, Diana accomplished all these requirements. On February 1981, Buckingham Palace announced their engagement and Diana had to move to Clarence house with the Queen Mother and later on transferred to Buckingham Palace to familiarize with the royal routine. On July 29, 1981 the wedding of the 20th century took place at St. Paul’s Cathedral, London.

Diana took the title Her Royal Highness, the Princess of Wales after their wedding, she was the first English woman to marry an heir to the British throne in 300 years and the first non-princess to become the Princess of Wales, the title arrived in marriage and departed through divorce, within 15 years this condition proved true. As a child of a broken marriage, Diana took motherhood terribly, her eldest son Prince William, second in line to the British throne, was born on June 21, 1982, while Prince Harry, third in line to the British throne arrived in the royal world two years later on September 1984. She was a hands on mother, as what the British press reported, she personally nourished her sons, dashed to their rooms when she heard them crying. She fought with palace rules to enrol them to a day school to have an exposure with ordinary life and mingle with other people.

But all was not well with the fairytale couple, though they appeared solid and united in public, privately they did not get along, Charles’s adultery made Diana even more suicidal and lonely. But the pretensions did not last long, on December 1992 their formal separation was announced. When their divorce became final on August 1996, Diana was stripped with HRH style, but she remained the Princess of Wales and a member of the British royal family because she was the mother of the future King. On the following year, she started dating Dodi Al-fayed, son of Harrod’s billionaire owner Mohammad Al-fayed, because of his muslim heritage, their relationshiop was largely criticized by the media and the royal family, nevertheless Diana found happiness and protection she craved endlessly. But it seems she was not destined of a happy ending, on the morning of August 31, 1997, the black mercedez Benz she was riding with Dodi, slammed on the 13th pillar of Pont de alma tunnel in down town Paris, dodi’s driver was blinded by the motorcycle lights of the paparazzi who were aggresively pursued the Princess from Ritz hotel.

The announcement of her death punched a hole to everybody’s heart. Her compassion, her kindness and humility were known to the world, though her difficult life with in the British establishment magnified everyday, she struggled to create her own mission to help the downtrodden. More then a Princess, Diana understood how to live a fairytale life in the modern world, she did not confine herself in the isolated world of royalty, she reached out to those who badly needed help, that’s why everybody felt cheated in her sudden demise.

Now, eleven years after her death, people across the globe still haunted by her image, her glamour, her compassion and influenced, just how did this spectacular human being left a great footprint to the world?well, according to an article in Good HouseKeeping magazine, a Philippine issue published on July 2007, she was a mass of contradictions, she was beautiful, untouchable, royal, troubled. she lived in a unique world of glamour, wealth and fame, yet she seemed lonely and vulnerable. She was kind and giving and yet endlessly wanting, she was the fulfillment of a fairytale everybody dreamed of, but deeply troubled with in herself whose very family seemed turn against her, misinterpreting her insecurities and emotional struggle as merely symptoms of iresponsible behavior. But the most important thing, she left the world with a wondeful life and a great example, a true christian woman who valued others more than herself.

Her sons, Prince William and Harry, who were clearly devastated with her death, vowed to protect her memory. They continue working with charities whom their mother loved and declared to keep Diana’s legacy alive.

SIMPLE TIPS ON HOW TO INCREASE YOUR MONTHLY SAVINGS AND RE-STYLE YOUR BUDGET

In a society like ours who treated “spending” as an ultimate freedom, saving in contrast seems like a boring idea. Saving sounds like a strange idea to most people especially to folks with paltry monthly net pay, like me. Human beings are unique creatures who loved to think of squandering rather than saving, but there are other important reasons that stalled us from embracing “saving” seriously, the high cost of living that grip the world today plus the fact that rude employers (especially in the Philippines) stubbornly refused to give a pay raise, setting aside some extra amount can really be a torture.

But then I realized that in this world of uncertainties and misery, no one exactly knows when the path of emergency hits you and the importance of having extra money is really a great comfort. I spend the rest of the weeks agonizing over how to devise a budgeting scheme, my meager salary is impossible enough to accommodate my daily expenses much more save. But my determination to put a little amount “for rainy days” was so strong that I studied every possible option for my plan. After exploring different techniques and formats, at last, I finally arrived in a suitable “saving and budgeting style” suited for my financial status without sacrificing other needs.

Here are some of those valuable tips:

1. DETERMINE YOUR MONTHLY INCOME– this is the most crucial step you have to undertake while creating a room for “saving”. Sometimes it is so difficult to come to terms with our fate especially when we see the horrifying facts of our pay slip every pay day, but the free will to survive remains so strong that I devised an effective plan to give a go signal in my account (LOL!).
2. DETERMINE YOUR MONTHLY EXPENSES-a lot of people committed a grieve mistake in this area. Why? Because they think they can get away with the misery of crisis that they spend, spend and spend incessantly until every drop of cents took them away to the wrong path of budgeting. Thinking they can still look comfortably for other alternative in increasing their income, they tend to increase their daily needs also without limits. But an income is not considered income unless you received the tangible amount. So better control your appetite in spending to avoid troubles with mounting expenses. To prevent disaster in buying unnecessary items, the most ideal thing to do is write down your expenses based on your priority for that particular month and see to it that the amount won’t override your monthly income. It is best to plan what are your priorities. For instance your August 15 salary is only good for grocery and amortization, do not force yourself to buy branded materials and eat in a 5 star hotel with the rest of your family, it can wait up to the next pay day, just write it down and include in your next budget.

3. STICK TO YOUR BUDGET– after analyzing your income and expenses, write down the things you want to buy based on the needs you included as expenses. When you go to the shopping malls, always bring that copy and stick to what it is written there and be sure not to make any alteration with your notes. If buying shoes is not included in your list, then maintain some resistance when seeing a cute, new arrival shoes from Gucci. Sometimes, self-discipline is the best teacher in life when you don’t know anymore how to spank your attitude with never ending debt. Remember, if you don’t know how to resist the charm of temptation you will ended up rampaging your wallet and credit card and the whole budgeting style went into drain.

4. THINK FOR YOUR SAVINGS-if you are really in a hopeless condition to maintain savings, try to make an effort to open at least 1 savings account separate from your monthly payroll account, it won’t hurt your ego if you will set a side for a bank account, there are banks offering small maintaining balance. With this technique you will not lure to spend everything when pay day arrived. A savings account is your defense during “rainy days” and that should be included in your monthly plans just like expenses. When you received your salary, deposit right away the intended amount for your savings and be sure not to withdraw it the next day.
5. MAINTAIN A NOTEBOOK– for your income, expenses and other plans. Try to label it with the following:
INCOME-this column consists of your net pay and other income you expected to receive for that particular month. Remember an income is not considered income unless you are sure to receive that particular amount.
GROCERY-this column consists of your grocery needs. You must
Itemized the grocery you want to purchase for that period. It is best to buy grocery items at least once every two weeks to ensure limits, by this method you have a clear idea how to create the next budget for your grocery needs.
AMORTIZATION- you also make a column for this item and list down
the amount due for that period.
PAYABLES- assuming you have monthly payables for your loan and
other debt obligations.
FOOD ALLOWANCE-this column amount is exclusively for food
Consumption only, separated from the grocery item, to evaluate how far you spend on foods and other beverages.
PETTY ALLOWANCE-the purpose of this amount is to supplement other expenses incase you will be short in your budget, for instance you want to buy additional grocery or watch a movie or indulge in sumptuous snacks which is not Included in your list, this allocation will cover the costs without sacrificing your savings account.

After the rundown lists, put a corresponding amount with the above items to anticipate the cash you only carry when you go into shopping but be sure to have an extra amount in case you will be short, try to compare prices with atleast 2 shopping malls, in picking product item try checking the nutrional value if they are the same pick the cheaper one.

The next thing to do is determine the amount you want to deposit in your savings account. Now, don’t grind your teeth for my unusual style of savings, some people or even in books, tell us to prioritize the saving amount before expenses, I won’t follow that pattern because there is a tendency to scramble in your savings account and withdraw when expenses run a bit larger. My technique is to make a total of all my expenses and deduct it from my income, the remaining amount will be for my savings, in that sense I will not be tempted to withdraw in my savings account just to augment other needs.

6. MINIMIZED THOSE INCOME-WASTED HABITS-lately I bought a business book written by David King entitled “You Can Be Rich”. Here he listed some of the income-wasting habits that must be avoided and minimized:
a. Eating weekly in fancy restaurants-though eating in fine dining restaurants is not a mortal sin, it is not a good idea to eat there too often when you are guarding your purse for possible disaster or when your budget is not allowed you to pick up delicate European delicacies coupled with expensive wines. You can include that in your next budget. The idea of eating regularly in a fancy restaurant is suited only to people whose income allowed them to patronize daily resto hopping, not when you are analyzing your next budgeting tactics.

b. Regularly betting on lotto and sweepstakes-this is one ridiculous habit that must not be tolerated by any parties. Though gambling is an incurable disease, especially to those who make “take a chance” as their life’s guiding principle, this habit is applicable only to those who have sufficient income, but if you are struggling with your limited salary and has a family to think about, forget this insidious habit and refrain from entertaining any ambition to patronize this kind of “past time”. Betting on lotto and sweepstakes is like a charm that you can’t resist until you’ll become addicted to it, that addiction will take you further to eternity of troubles. Correct me if I’m wrong.

c. Having two or more credit cards-this is the common mistakes of people belonging to my class (that is, receiving a not-so-handsome-salary), again, this is good only to those who have huge income, businessman or other affluent individuals. I am not saying that you have to deprive yourself from acquiring one (according to them a very helpful scheme-but I don’t think so), but maintaining more than one is a sure suicide if your income is only grasping a minimum limit good enough for your daily needs. If you have one credit card makes sure to stick to your capacity to pay and not to go down the bottom of your credit limit. If you are itching to buy that cute cellular phones or new invented exercise machine, do not pull your credit card right away, but think a hundred times whether that desire of acquiring those gadgets makes you an insomniac or tend to bloat your stomach or trigger your migraines, if not, then discard that idea and wait until you have enough money.

d. Having postpaid plan on mobile phone-this idea is suited only to those who have comfortable income and of course, self-discipline. I must say self-discipline because if you don’t know how to set your own limits with calls and texts you will ended up swimming into the ocean of huge phone bills. Pre-paid is a lot easier compared to post plan because you can budget your calls and texts at your comforts.

e. Patronizing convenience stores-convenience stores are a bit expensive compared to supermarkets and other shopping stores. The amount you spend with their high prices can be saved for other expenses, so as much as possible avoid them.

f. Buying from the internet and home channels-the huge interest they added is not a surefire for those who are planning their budget.

g. Shopping without a clear idea of what you want-Again, it is best to write down the things you want to purchase based on your budget for that particular period to avoid buying unnecessary things. When you are thinking of having those seductive clothes for the next pay day or tantalizing make up kit that you think could enhance your sex appeal, right it down and start window shopping to compare prices, department stores’ prices vary to some degrees, do not stupidly think that expensive items are more durable than cheap ones, in some cases it might true but not always, it is on how you used it that makes the material enduring. When you are buying food items in the supermarket, try to take time reading nutritional information usually written at the back of the label, compare the nutritional value with the same brands, if they are the same, then pick up the cheaper item. Do not depend your judgment on TV commercials, they are not really reliable. My simple tips: When buying milk, I usually look on vitamins and minerals with higher content of the following: Calcium, Iron, Zinc, Folate, Vitamins A,C,D and E, if the 2 milk brands have the same value, I usually pick the cheaper one. The most important thing is you achieve your purpose why you bought that particular product.
h. Patronizing branded materials regularly-try to discipline yourself and put in mind that wearing branded materials everyday won’t make you the local version of Paris Hilton or Julia Roberts or Jennifer Aniston. It won’t add glamour either. The real glamorous people are those who carry themselves well, who looks amazing even in simple get up and there’s no need to be accentuated with branded fabrics, it is on how you present yourself, your aura and the unbeatable x-factor (the factor which makes a person unique). It did not matter if you are wearing Gucci, Christian Dior or smudging in Revlon or Estee Lauder, or just shopping in surplus shops. There are people who look silly in their Armani jeans and there are folks also who look fabulous in their worn out garments. In fact, according to Hollywood star, Scarlet Johanson, “it’s not the clothes you’re wearing, it’s the attitude and the projection that matters, self-confidence is the best accessories you could ever wear on”. But of course, I didn’t say you won’t buy branded materials for the rest of your life (how could that be when you can afford to splurge on the latest classy trend, it’s a wonderful feeling also having Louis Vuitton tacking in your arms isn’t it?), but see to it that it is included in your budget and your purse allowed you to have them without sacrificing your next meal or your food allowance or your children’s tuition fees and avoid the perennial headache of mounting debts.

With these tried and tested tips, you can plan now your next step in budgeting that is putting another column, I call it “a dream column”, because that’s where I wrote my wants like “vacation”, “buy a new cellphone” or “buy a laptop”. Then patiently looked on my savings as the amount slowly escalating, anyway my “wants” can wait, I am in no hurry, I consider my “wants” as things that can be safely put in one corner because they are not really urgent things, I can still breath comfortably without them.

In planning to create your “saving machine”, it is good to welcome positive energy in your system. You must condition yourself to resist the excitement of having extra money in your account, do not be tempted to slash your saving allotment for unnecessary expenditure. There are only three basic functions to operate in creating a “money saver system”-determination, self-discipline and faith in God. If you have these abilities, you can surely make it, these three attitudes will take you further to life’s interesting and exciting journey.

But if these techniques and styles fail, do not lose hope; remember that in failing you can start reassessing yourself what are the things that contributed to failures. Through failures you can develop additional self-confidence and wisdom. Failures increase our desire to succeed. Success is in fact the product of failures.

According to David King’s book You Can Be Rich “We become what we constantly think about, whatever we have in mind it increases as days passed. If we think failures all the time we won’t get away with failing, but if we think success, even if it doesn’t evident in the horizon, we are sure to succeed”. Thomas Watson, founder of IBM recognized failures as a pre-requisite to success, he declared: “If you want to be successful faster, you must double your rate of failures, success lies on the far side of failures”. So start your plan now and give it a full blast once you start. You may add your own style in saving if you want.

Just put in mind the wisdom of great American inventor Thomas Alva Edison left to the world: when Edison tried inventing Electric bulb, he suffered 40 failed experiments that his co-workers, in desperation, finally gave up, but the great genius told them: Why giving up in simple failures? Now we know that there are 40 experiments that won’t work so we have to eliminate them and try new approach”. Eventually, his tough attitude paid off and was credited for inventing the first Electric bulb.

6 WAYS TO MAINTAIN SMOOTH AND GLOWING SKIN

AVOID TOO MUCH SUN EXPOSURE
Too much exposure to sunlight can harm your skin, ultra violent radiation greatly damages skin and causes the production of free radicals which contributed to premature aging and unwanted wrinkles. If you are to go out for outdoor activities, wear hats enough to cover your face and clothes that cover the other exposed parts of your body, protect yourself also by using sunblock creams.

DRINK LOTS OF FLUIDS
Our body constantly needs nourishment and water to replenish some fluids lost during activities for the day. Try to follow the universal principle of drinking 8 glasses of water per day including other fluids like fruit juices, avoid softdrinks and other carbonated beverages, it brings no good for your body it only dries up your skin because of too much sugar, plus it has no nutrients at all. It is best to resort to water to avoid a worn out looking complexion.

REGULARLY EAT FRUITS AND VEGETABLES
It helps make your skin fresh and clean all the time because of vitamins and minerals present in fruits and vegetables. It also helps reduced chronic diseases like cancer, the vital nutrients it provide keep the whole body healthy.

TAKE FOOD SUPPLEMENTS LIKE ANTIOXIDANTS
There are instances that our body failed to achieve the daily requirements of vitamins and minerals through food intake, to supplement this lacking requirements, it is best to take antioxidants to fight inflammation and free radicals, ideal food supplements are Vitamin A, E and C they are the best antioxidants our body needed to keep the skin glowing, co-enzyme Q10 and Alpha lipoic acid are best recommended by health experts. Eating carrots, strawberry, avocado and banana everyday has excellent results in maintaining radiant and young looking skin.

GET SOME EXERCISE AND REST
Mild exercise per day is enough to relax our tired muscles, walking and stretching invigorated our body parts especially the joints. It helps strengthen the heart muscles and makes blood circulates efficiently. Our body needs 7 to 8 hours of sleep to recover from the whole day activities. It also rest our tired skin and muscles and bring back the luster. The most important tips of all is to maintain a good positive desposition all the time. It helps you radiate inside and outside.


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