OLAN DEEMS

If not Ilocanos are the Thriftiest, Who?

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If not Ilocanos are the Thriftiest, Who?  </div>
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Kuripot man ituring ang mga Ilocano</div>
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Ngunit ang pagtitipid nila'y educado</div>
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Upang mga pangarap maging guarantinsado</div>
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At ang Tagumpay nila'y wagas na Certificado</div>
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Para ang mga buhay nila'y masaya't asensado</div>
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<span style="font-size: x-small;">(Literal English Translation)</span></div>
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<span style="font-size: x-small;">Ilocanos are considered thriftiest</span></div>
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<span style="font-size: x-small;">But their thriftiness is manage wisely</span></div>
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<span style="font-size: x-small;">Intended for achieving guaranteed dreams</span></div>
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<span style="font-size: x-small;">Leading to a fully certified success</span></div>
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<span style="font-size: x-small;">As it brings a great and joyful life</span></div>
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Thriftiness doesn't matter of who's who would be the thriftiest citizen in any regions or countries. Tightfisted rooted from the hardships of individuals. Tightening of budget in anticipation of the future is a great advantage of thriftiness. Taking into account the popular filipino sayings “<b><i>Kung may isinuksok, may madudukot</i></b> ( <i>If you stash away something, you'll have something to take out</i>).” Nothing to be ashamed of being tightfisted because thriftiness is even a meritorious character of a person. </div>
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We must live according to our own abilities. We should save and live simple if this  would be the limit of our income. Don’t emulate those that more affluent extravagantly spending anything.</div>
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Whether you are Ilocanos, Visayans, Bicolanos, Muslims, Koreans, Chinese, Americans, etc, it does not matter at all because savings is absolutely necessary for the sake of each individual’s future.</div>
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By the way, reading the article from Inquirer entitled “<a href="http://lifestyle.inquirer.net/59825/ilocanos-no-longer-thriftiest-filipinos" target="_blank"><i>Ilocanos are no longer the thriftiest filipinos</i></a>”, accordingly explained that the National Statistical Coordination Board (NSCB) released a <a href="http://www.nscb.gov.ph/secstat/d_income.asp#fies" target="_blank">statistical result</a> showing that Ilocanos ranked sixth as the as the thriftiest people among the 17 regions of the Philippines.</div>
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<b>TOP SAVERS</b></div>
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<li>Abra, Apayao, Benguet, Ifugao, Kalinga and Mountain Province</li>
<li>Cagayan Valley: Batanes, Cagayan, Isabela, Nueva Vizcaya, Quirino</li>
<li>Soccsksargen: South Cotabato, Cotabato City, Sultan Kudarat, Sarangani and General Santos City</li>
<li>Central Visayas: Bohol, Cebu, Negros Oriental, Siquijor</li>
<li>Zamboanga Peninsula</li>
<li>Ilocos Provinces</li>
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<b>LEAST SAVINGS (SAVERS)</b></div>
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1. Calabarzon (Cavite, Laguna, Batanggas, Rizal, Quezon)</div>
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2. Bicol Regions</div>
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3. Western Visayas<br />
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If not Ilocanos are the Thriftiest, Who?

If not Ilocanos are the Thriftiest, Who? Kuripot man ituring ang mga Ilocano Ngunit ang pagtitipid nila'y educado Upang mga...

9:53 PM

How to Deal Debt of Friends and Family Members

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<b><u>Initial Act of a Debtor</u>:</b></div>
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<i>Noong ika'y umuutang, labi mo'y napakatamis;</i></div>
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<i>Maamo mong mukha, nagsusumamo ng labis.</i></div>
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<i>Ngunit nang ika'y singilin, labi mo'y napagaspang;</i></div>
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<i>O di kaya'y mukha't taguan mo'y hirap hagilapin.</i></div>
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<span style="font-size: xx-small;">Literal English Translation:</span></div>
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<span style="font-size: xx-small;">When you were taking a loan from me, your lips were so sweet;</span></div>
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<span style="font-size: xx-small;">Your face was so gentle, pleading extremely.</span></div>
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<span style="font-size: xx-small;">But when I asked you to pay it, your lips were so harsh;</span></div>
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<span style="font-size: xx-small;">Or your face and hiding place is so difficult to search.</span></div>
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<b><u>Lost Patience of a Creditor</u>:</b></div>
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<i>Mahiya ka naman...</i></div>
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<i>Magbayad ka ng utang mo!</i></div>
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<span style="font-size: xx-small;">Literal English Translation:</span></div>
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<span style="font-size: xx-small;">Ashamed of yourself...</span></div>
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<span style="font-size: xx-small;">Pay your debt!</span></div>
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Though there are legal remedies to collect debts but think a thousand times before suing your friends, relatives or anyone.  Save the relationship first. Don't let it be ruined by mere money and anger. Help them avoid small claims court, <a href="http://a30889x8s6q6zc5lnvx1sfnv08.hop.clickbank.net/?tid=104" target="_blank">debt collectors</a>, attorney's fees and court fees. </div>
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I know it is difficult to control our emotions when our friends, relatives or anyone continually failing their commitments to pay. We know that we have given them the favor on the first place, yet, they couldn’t even return a just a small good will to us. An on-time payment could be a great simplest way to appreciate our help to them on their time of crisis .</div>
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Well, I've been into these situations wherein many times I wasn’t been paid. In fact, I have already considered that  debts by a friends, relatives or anyone is a lost savings. Nothing to expect and nothing to think better than worrying on non-payments of debtors.</div>
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Yeah, it is the worst reality that debtors ignore even intently forget you. But what can you do if these debtors are your closest friends or love ones? Will you put them on court? Or would you simply humble yourself and let it go? At the end of the day, your heart speaks that you’d not wanted them to suffer the consequences of court proceedings.</div>
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It's already a statistical record on my part that many of those who owes me never paid at all instead hated me the most. But I do hope that my hard-headed debtors would be aware that prior to any legal actions I have initiated as hereunder <b>a <a href="http://c77b2bu72zr6qe1aqlhssrpq7s.hop.clickbank.net/?tid=105" target="_blank">proactive approach</a> and smart remedy</b> to convince them which was been effective to some of my debtors.</div>
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<b><span style="font-size: x-large;">C</span>ontrol your Emotions and Keep Politeness</b></div>
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Be patient as you collect those debts. Talk to them nicely and politely. Debtors would soften their heart if you would keep the respect and dignity of them. It’s an absolute facts that debtors’ words are always broken and even developed an intentional memory gap. However, being aggressive would yield the debtors to be more combative and rude as a blocking or defense wall to keep delay the payment.</div>
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<b><span style="font-size: x-large;">H</span>ave a Written Agreement</b></div>
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Well, it could be impolite to get a black and white agreement or a contract with your closest friends or love ones. But let them understand that putting in writing would avoid disagreement or dispute in the future. It is a way of preserving the relationship together. Because it is just this paper that would remind each of you of all the terms and conditions agreed at the time that the debt was released. It is a binding commitment by both of you. A promissory note as a simple binding contract would be sufficient.</div>
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On the first place, a written agreement is very essential if you are worried that you’ll not be paid.</div>
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<b><span style="font-size: x-large;">S</span>how Sincerity to Collect</b></div>
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After you have done a verbal talks with your debtors or your entreaties didn’t work, it is a high time to collect your money by writing them. Give them sufficient and practical period say 30, 60 and 90 days due notices. Keep the copies of these letters for it served as a paper trail if you’ll be filing on a small claims court. </div>
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Another way to show your sincerity would be an amicable settlement in order to avoid losing the relationship.  A debt settlement agreement could be in form of relaxing the terms and condition of the original agreement and even extending the period of payment. This settlement agreement spurs debtor away from any court battles and ruining relationships.</div>
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<b><span style="font-size: x-large;">C</span>all a Lawyer</b></div>
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Personally, I don’t want to go this far. I would rather forget the debt and keep the friendship and relationship with my friends, family members or anyone .</div>
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Perhaps, you'd tell me it depends on the value of the money that the debtors have loaned. Well, what would say... so let's just continue discussion then.</div>
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So, if your numerous direct personal approaches were been ignored and your debtors failed to pay you with ceaseless commitments, then, better call your life line, a Lawyer. An attorney has legal ways to convince or demand debtors to pay you. The attorney will directly write a letter to the debtor to show that you're very serious of collecting your money and even tending to consider filing a small claims court.</div>
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I would rather end my discussion here, I would leave you with your lawyer to talk about further steps because every debts or loans could be on a different cases. Your attorney will advise you the best available legal remedies in accordance with the law. </div>
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How to Deal Debt of Friends and Family Members

Initial Act of a Debtor : Noong ika'y umuutang, labi mo'y napakatamis; Maamo mong mukha, nagsusumamo ng labis. Nguni...

1:46 AM

6 Incredible Health Benefits Of Mindfulness

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"Mindfulness" is a bit of a buzz word right now, but that doesn't mean that you should discredit it. Being mindful is one of the best things you can do for your body and mind! </div>
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But you might not be sure what it is. Is mindfulness just being more aware? Or does it mean clearing your mind? </div>
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Being mindful, in one sense, is like simplifying things. Normally we try to multitask all day, worrying about 20 things while doing 10. That doesn't work too well. </div>
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Being mindful means focusing on the present moment. Being fully here. It allows you to attend to what's going on right around you and inside you. So it simplifies things because you can just enjoy the present moment. </div>
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You can mediate to be more mindful, and you can practice it throughout your day. Whatever you're doing, give it all of your attention. Be proactive about putting down your other worries and being present in what you're doing and who you're with. </div>
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To experience the ultimate feelings of inner calm and presence, I highly recommend that you follow this link... </div>
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<a href="https://05a5ehr8-cq5qq73ndzh54zt45.hop.clickbank.net/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="321" data-original-width="550" height="372" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO_JSlCW-S5WlazomHzDE1cMnH1yI2gUQrOi0kunp7-FXW0FefauCC5TK5T3WJJQ1bxX_nKgeXiRgt53UnIOjj-Te5MxipLEz9nMszA0kUmDxIIvBlU2BDfop8jSAjcT2fIjgDrftKCmM/s640/7+minutes+mindfullness.png" width="640" /></a></div>
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You'll gain inner peace, happiness and feel 'uncluttered' in your life. </div>
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Mindfulness a gift that we don't give to ourselves much. In fact, our society teaches that we should be getting as much done as possible all the time, which leads to burnout, stress, health problems, and lower productivity. </div>
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Mindfulness, on the other hand, offers the opposite, so let's take a look at all the benefits of mindfulness. </div>
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<b><span style="font-size: large;">1. Mindfulness reduces stress </span></b></div>
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Let's start with the biggie. In today's world, we really battle stress from all sides. </div>
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If we carry around all the things we have to worry about, our mind never gets a break. That's why so many people are completely burned out, feeling down, and stressed to the point of panic attacks or needing medication. </div>
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This kind of worrying steals away any chance of joy or relaxation in our day. You probably know how it goes: you're sitting at your desk at work, stressed about a deadline, and also about a disagreement with your partner, and some tension you're feeling with a coworker, and the company party you're supposed to attend tonight... </div>
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<b>Constantly carrying all of these things and feeling continued stress leads to:</b></div>
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<li>Restless sleep</li>
<li>A racing mind</li>
<li>Low energy</li>
<li>Feeling irritable</li>
<li>Feeing defensive</li>
<li>Getting angry easier</li>
<li>Panic attacks</li>
<li>Constant panic</li>
<li>Headaches, body aches, migraines</li>
<li>Jaw pain from clenching teeth</li>
<li>Tight shoulders and back pain</li>
<li>Depression</li>
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As you can see, trying to keep everything on your mind leads to all kinds of problems, resulting in lower productivity and even worse things. </div>
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We might even feel guilty if we forget to worry about something. Do you ever do that? You'll finally get absorbed in something and it feels really nice, but then you remember all the things that aren't resolved, and you feel guilty for letting yourself have a few minutes. </div>
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But you need those minutes! </div>
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Being mindful and present will allow you to get absorbed in what you're doing, give it your full attention so you can do better, and you'll feel more clear and mentally energized. </div>
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Your body and brain wasn't made to handle constant stress. It's so much healthier to be present and put aside the other pressing thoughts. </div>
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Challenge yourself to be mindful in one activity a day: a walk, mediation, making a craft, writing, drawing, singing, or something else you enjoy. </div>
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See how it feels to let yourself be fully present with that one thing and not having thoughts about anything else. And then see how you feel the rest of the day. </div>
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<a href="https://05a5ehr8-cq5qq73ndzh54zt45.hop.clickbank.net/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="336" height="331" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgm_TpMCVbWy_hMIid_9mDQNAa_ILEuP9vB2uqCmDSKsxz5iKBkGHs2QBEHlf5N9rW_pCqCXQ_xq_L02fM9KQ7BICzwI9fAsHLI-MWlT01-clJrV0WmXhwU2c6isJI9boARrYA-tb3nOX0/s400/7minutemindfullness.png" width="400" /></a></div>
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<b><span style="font-size: large;">2. Mindfulness creates better health </span></b></div>
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Being mindful and present lowers our stress levels and also centers us, bringing many health benefits. </div>
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You might notice that you're calmer after practicing mindfulness, your head feels more clear and focused, you're more productive, and more alert. </div>
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Being mindful greatly benefits your mind, and that in turn benefits your body and overall health. </div>
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People who practice being mindful have higher brain function, an increased immune function, lower blood pressure, lower anxiety levels, and are more calm. </div>
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We've heard this for years, but experts were talking about meditation and yoga. Both of those are ways to be mindful! </div>
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<b><span style="font-size: large;">3. Mindfulness decreases depression symptoms </span></b></div>
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When you decrease stress and improve your health, that can help with depression. </div>
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Mindfulness does that and more. It's been considered an effective part of overall depression treatment for a long time. </div>
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Being mindful often helps people see and acknowledge their feelings, and that leads to better coping. Being mindful and let you say, "I see that I'm feeling that way, and that's okay." </div>
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Being mindful engages the observant self, so you can notice how you're feeling, and what you're thinking, but not get completely sucked into those feelings. You can step back and analyze the situation better. </div>
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<b><span style="font-size: large;">4. Mindfulness increases Neuroplasticity </span></b></div>
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Neuroplasticity is one of those fun words (in my opinion) that show you what they mean. Neuro, or brain, plus plasticity, or being flexible. </div>
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Think about how plastic can be soft and pliable. </div>
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Being mindful helps your brain increase its ability to change and adapt, which is pretty important to our survival even though we're not back in the caveman era. </div>
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In a simple sense, neuroplasticity refers to how our brain grows, learns, and changes. When we change our mind or learn new things, we actually make new pathways. </div>
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But this has bigger scientific implications. When someone has a stroke and has to relearn how to walk, they're actually learning how to re-circuit their brain around the damaged area. </div>
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Imagine how much stronger your brain will be if you practice mindfulness and therefore improve neuroplasticity. That's a huge advantage for dealing with all of life's curves and for any brain damage you might suffer. </div>
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<b><span style="font-size: large;">5. Mindfulness helps you deal with illness </span></b></div>
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Studies have found that mindfulness helps people with cancer and people with chronic illness-even terminal illness. </div>
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I can see why being in the moment more would help someone enjoy life day by day. Research has found that mindfulness helps cancer patients reduce stress while relieving fatigue. </div>
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For many, mindfulness increases our spirituality and sense of purpose, and it helps people handle their emotions regarding their illness. </div>
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Mindfulness can greatly improve life for people with chronic pain, such as low back pain. It helps patients focus on something other than the pain. </div>
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6. Mindfulness helps recovery </div>
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We've seen all the ways mindfulness benefits our mental and emotional health. It also helps us physically when we need to recover from illness. </div>
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This is probably due to all the other benefits of being mindful. </div>
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We have better focus, we're less stressed, we feel more at peace, and so we're happier. </div>
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We've talked about some big areas where mindfulness helps. To zoom in a bit, here's a list of more specific ways that being mindful improves our lives:</div>
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<ul>
<li>Better mental health</li>
<li>Less stress at work</li>
<li>Better emotional regulation</li>
<li>Less problems with alcohol and drugs</li>
<li>Less depression and anxiety</li>
<li>Better performance at school and work</li>
<li>Better relationships</li>
<li>Better self awareness</li>
<li>Less burnout</li>
<li>Better able to cope with ups and downs</li>
<li>More resilience</li>
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We're just healthier when we're more mindful, because people aren't really made to multitask 5 things all day long and always worry. </div>
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We can benefit from slowing down and enjoying the present moment. Why let other things detract from what you're doing? You can give those other things your attention in due time. </div>
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For the ULTIMATE experience of mindfulness, I highly recommend that you check out <a href="https://91bd1hnv1aszxeb-y30quz1z7s.hop.clickbank.net/" target="_blank">7 Minute Mindfulness</a> </div>
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This method will make your mind as calm as water... </div>
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I'm talking about a method that will allow you to sink into relaxation, and feel abundantly positive and happy within minutes... </div>
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It will fill your life with joy and satisfaction... </div>
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And teach you how to easily defeat any life problems that you may be facing. </div>
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And it only takes 7 minutes! </div>
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<a href="https://05a5ehr8-cq5qq73ndzh54zt45.hop.clickbank.net/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="334" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBk6WsyQ6DYt69NzUYXLT9a4AA6iBVXg-bYP2s_WKrgDKcIGHM4cmzc1AAyWmmCpOP-u6GtaQ7eAkOOq4Tpxe-pKF0W2R1uZMJScDZxTA2olMPkBf-Bx-l5-yEppPnJ4Q8GqWrtVw9Kgc/s640/mindsoul-banner-1200x628.png" width="640" /></a></div>
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<span style="font-size: x-small;">Written by Greg Thurston </span></div>
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<span style="font-size: x-small;"><a href="https://91bd1hnv1aszxeb-y30quz1z7s.hop.clickbank.net/" target="_blank">Creator of Seven Minute Mindfulness</a></span></div>

6 Incredible Health Benefits Of Mindfulness

"Mindfulness" is a bit of a buzz word right now, but that doesn't mean that you should discredit it. Being mindful is one of ...

3:25 PM

Shrink your Belly Bulge!

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<a href="https://2aa6ber9y6n9nm3j99rrimhpfv.hop.clickbank.net/" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1067" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh17Bv59SdwLG6sYAZOScf9IZNyM8HZHLE8z1EkalZ3XlixqDikP2B2dTZGMIFIfgf3o8qNsignCRR-AopyfKS0qsQU6mIMli-ERXlIMGwpvTlQlSPNlnZLkvrO8z6JAPzYv6clRaB_DsY/s320/People+%2528242%2529.jpg" width="212" /></a></div>
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Did you know that the most common reason men have a beer gut or women have a pouch belly is because of inflammation in your guts?</div>
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Literally, your intestines get inflamed and push your belly out making you look significantly fatter then you actually are!</div>
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If you can remember how your belly looks after you have the flu for a few days and can’t eat then this is actually how your belly should look all the time if you know how to remove the inflammation.</div>
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So…</div>
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I wanted to share this with you in case you wanted to shrink your belly bulge…</div>
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It’s not some starvation diet or extreme workout program, it’s just a strategic 10 day plan that takes advantage of a few belly slimming super-nutrients, but the real key is…</div>
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This brand new “<i>golden water</i>” that you can make right at home to boost fat-burning and get rid of your stress, which is one of the main factors in losing weight, but real magic is… How easy and simple it is.</div>
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The main reason most programs fail is because they’re impossible to stick with and they have all these rules of what you can and can’t do, which only confuses you more when in reality you just want someone to tell you EXACTLY what to do…</div>
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So if you have 10 days and want to drop 5 pounds or more… Then check this out because the secret sauce is how EASY and SIMPLE it is to do…</div>
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<a href="https://2aa6ber9y6n9nm3j99rrimhpfv.hop.clickbank.net/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="350" data-original-width="245" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwWJ9w8QStzR_FprH8iB9-pRdFYAdN31x9EH8b0MhKB46oFddm-9RMJ7LShxrIWgW0Abtx0APvVwj76ShcJJ70MySx4pHCKvLwX2yzJgOvwVe8CrL9IjiVvhIFzF9Nz20CNVYhN44hvQE/s400/5minute+lean+body+bursts.jpg" width="278" /></a></div>
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The most frustrating thing for men and women as we age is the constant battle to lose weight, after all…</div>
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My friend’s doctor just broke the news that she has “<i>hidden inflammation</i>” in her chest and belly which makes it almost impossible to lose weight…</div>
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And even worse…</div>
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It turns out over 80% of men and women over 40 suffer from the same condition without even knowing it just from the simple wear and tear your body goes through as you get older :(</div>
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The good news is…</div>
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You can flatten your inflammation belly for good with one simple trick that ANYONE at ANY age can do…</div>
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Do This One Trick to Flatten and Shrink your Belly Bulge now....</div>
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<a href="https://2aa6ber9y6n9nm3j99rrimhpfv.hop.clickbank.net/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="354" data-original-width="263" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgm16SeBzJ3wNQXhZSr5zvDBaMgRQ9bfu_21U3DzVqwOq56ZCiXSCZfnKz3RJcxRwrbpjTopvJ4Y9Mh999WAM905AZxj6kKgNjeAO5-lNUq6-beMziAzqjko4Ii-fQherSua24SJO0rXss/s400/Wake-up+1+Pound+Lighter.jpg" width="295" /></a></div>
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Shrink your Belly Bulge!

Did you know that the most common reason men have a beer gut or women have a pouch belly is because of inflammation in your guts? Lit...

11:19 AM

Simple Outline: All about you with your gym

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<span style="font-family: Arial, sans-serif;">“<i>My health is more important than my appearance.</i>” </span></div>
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<span style="font-family: Arial, sans-serif;">Gym is not for muscled men only, but gym is for either  scrawny or fatty men to improve their built as well.  :)</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjopnHMsjPMetnQol9HfgCIMtR4aAA3AGHVfUNb9gFrtZLhDryg6oExR7zqk5vfWeGtGDrgI9Eewany46qkrg72Lc2mdOlulS14ez6qy9h4FKZ4JFaus8zaDfd1ixbCKxWYXKA-p-Gc4I0/s1600/OD04.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjopnHMsjPMetnQol9HfgCIMtR4aAA3AGHVfUNb9gFrtZLhDryg6oExR7zqk5vfWeGtGDrgI9Eewany46qkrg72Lc2mdOlulS14ez6qy9h4FKZ4JFaus8zaDfd1ixbCKxWYXKA-p-Gc4I0/s400/OD04.jpg" width="300" /></a></div>
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<span style="font-family: Arial, sans-serif;"><b>Defined reasons why you should go gym:</b></span></div>
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<li><span style="font-family: Arial, sans-serif;">a) Stay Fit</span></li>
<li>b) Stay Healthy</li>
<li>c) Stay Attractive [<i>Avoiding insecurities</i>]</li>
<li>d) Stay Young</li>
<li>e)  Stay Strong</li>
</ul>
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<span style="font-family: Arial, sans-serif;"> </span><b style="font-family: Arial, sans-serif;">Checklist of choosing a comfortable gym:</b></div>
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<li><span style="font-family: Arial, sans-serif;">a) Atmosphere</span></li>
<li>b) People [<i>Gymmates</i>]</li>
<li>c)  Staff</li>
<li> d) Cost</li>
<li>e) Facilities</li>
<li>f) Rules</li>
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<span style="font-family: Arial, sans-serif;"><b>Stay-out of your intimidation:</b></span></div>
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<span style="font-family: Arial, sans-serif;">a) Reasons of self-intimidation</span></div>
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<li><span style="font-family: Arial, sans-serif;">Because you are a beginner</span></li>
<li>Because you’ll be with some beautiful people [<i>Gym-fit goers</i>].</li>
</ul>
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<span style="font-family: Arial, sans-serif;">b) Overcoming intimidation</span></div>
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<li><span style="font-family: Arial, sans-serif;">Think that everybody started as beginner &/or</span></li>
<li> Find a gym where you are comfortable</li>
</ul>
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<span style="font-family: Arial, sans-serif;"><b>Lose weight:</b> [Key word is Discipline]</span></div>
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<span style="font-family: Arial, sans-serif;">1) Calculate your BMR (<i>Basal Metabolic Rate</i>).</span></div>
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<span style="font-family: Arial, sans-serif;">2) Calculate your activity level.</span></div>
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<span style="font-family: Arial, sans-serif;">3) Keep track of how many calories you eat. [<i>Eat less calories than what your burning</i>]</span></div>
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Simple Outline: All about you with your gym

“ My health is more important than my appearance. ” Gym is not for muscled men only, but gym is for either scrawny or fatty men to i...

10:39 AM

A Glance Look of my Humble Home: The Interior

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It's my pleasure to welcome you to my humble home. </div>
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I have designed myself the interior of my room with the intent to keep thing organize and save a space. Well, it's cute home with three bed rooms! Hope you'd love it when you chance to visit me.</div>
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Actually, it's a blue home! All walls and floors are painted/tiled with different shades of blue. BTW, not only the walls and furniture are blue but everything inside my home are blue.</div>
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Obviously, I don't love blue, right? :)</div>
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For me, it's heaven. It's the first fruits of my labor overseas. It's a fulfillment of my long desire to have a residence in the city so that I won't be <a href="https://www.olandeems.com/2011/04/i-got-my-dream-city-home-guide-of.html" target="_blank">roaming around</a> of where to stay. My home is a reflection of God's bountiful blessings which represent a blue color which likewise my favorite color.</div>
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BTW, almost everything I wear  from feet to head is also blue . Am I obsessed with blue color? I guessed so... So, please don't be surprised if look like I am not changing my clothes.<br />
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Without to much ado, let me tour you now to my home...<br />
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Here's what you see inside (random shots):<br />
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<b><span style="font-size: large;">The Living Room:</span></b><br />
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<b><span style="font-size: large;">The Mini Bar:</span></b></div>
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What I love most on my unit, almost everything are hidden... you can see anything expose. It's neat, clean and really organized.<br /><br />Though, I love to stay here in my unit but I can't stay that longer, the most that I can sleep here is just around 5-15 days in a year 'coz the call of duty as overseas Filipino worker. My semi-annual vacation allows me to have 15-20 days, however, I have a lots of appointments, engagements, etc.  not only within Metro Manila but sometimes I have to travel in different provinces, cities or islands and I need to fit-in within this allotted period. </div>
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<br />That's all for now...<br />I'll be sharing more on the next day. See you! :)</div>
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A Glance Look of my Humble Home: The Interior

It's my pleasure to welcome you to my humble home. I have designed myself the interior of my room with the intent to keep th...

2:15 AM

I got my Dream City Home: A Guide of Buying a Condominium

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In 2010, I finally bought a condo in the center of Manila.</div>
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<div style="text-align: justify;">It was a random choice, but for me, it’s perfect! </div>
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Every time I had my vacation in the Philippines, I was tired of either;</div>
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<li style="text-align: justify;">booking a hotel, </li>
<li style="text-align: justify;">requesting relatives to stay in their home for a short while, </li>
<li style="text-align: justify;">renting a transient or</li>
<li style="text-align: justify;">going directly to my hometown (from Manila to my Province) </li>
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<span style="text-align: justify;">One day, I arrived in Manila from South Korea, and I stayed again in a hotel near SM Manila. I am desperate to buy a condominium in a city so that I won’t be staying anywhere every time I have my vacation. </span><br />
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<a href="https://www.olandeems.com/search/label/CEO%20Notes" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="986" data-original-width="626" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHH6rVq2ubVZLFrbWdNOrEfvSAnWI5xpPHgkMeY-aFef7dRKDGyb3d1DdOXdHAOddtFfFAIefXlqxxJaBodFQye7pOCS56It7xV874qCDgCODYk29qu9H8lT0X04YNroR7I4Zt_QvhwIE/s640/Condominium.jpg" width="401" /></a></div>
<div style="text-align: justify;">With eagerness and since I knew that there are agents who give flyers of real estate properties in malls, I took a chance to go to this mall. In my mind, I told myself, “Whoever is the first person who will give me a brochure, that would be my home already!” Luckily, as I was entering the main gate of the Mall, one lady handed me a brochure of a condominium with the photo as shown herewith. Without any further talk with the lady agent, I told her that I wanted to buy one unit of that condominium, so she showed me an available unit upon telling her my simple criteria, which are;</div>
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<ul>
<li>It has good amenities such as a swimming pool, gym, etc.</li>
<li>has a view outside, can inhale fresh air</li>
<li>has at least 2 to 3 rooms</li>
<li>secured with the presence of security personnel,</li>
<li>must be near Malls <i>(fortunately, it’s near Robinsons and SM Manila)</i></li>
<li>the bonus part of my criteria is: near Universities and near transport (i.e., train, along the main road for buses, cub & jeepneys), the ground floor has convenience stores, fast foods, salon (barbershop), etc.....…</li>
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<span style="text-align: justify;">I think everything before purchasing has been taken into account, such as;</span><br />
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<b><span style="font-size: large;">1) Think!</span></b></div>
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Should you prefer to buy a condo or build your own home later? What is your primary purpose? </div>
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Can you envision yourself with your family living in a multiple neighbors attached to your condo instead a free-standing residence?</div>
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<div style="text-align: justify;">Weigh in the pros and cons.</div>
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<b><span style="font-size: large;">2) Right Agent</span></b></div>
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Ensure your agent is experienced in selling condos and can explain the differences between units. Due to these differences, your agent can guide you through the process and ensure that important documents are completed. I am thankful I have Ms. Janet as my Agent.</div>
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<b><span style="font-size: large;">3) Money</span></b></div>
<div style="text-align: justify;">You need a substantial down payment to buy a condo. In my case, I paid 25% on-the-spot cash, and I spent the rest via bank financing. I didn’t choose in-house financing because the interest rate is so high—around 18%, compared to bank financing, which is only around 8%. I didn’t take Pag-big Financing because the paperwork is too tedious or complicated. </div>
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You must request a full assessment of the amount, including but not limited to the following, total amount, monthly amortization, insurance, government fees, etc.</div>
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<b><span style="font-size: large;">4) Other inclusions</span></b></div>
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Does the condo include a reserved parking spot or additional parking for your guests who visit you? In my case, you can buy a parking space on the 3rd to 6th floor or pay a “parking fee” of around P250 for an overnight stay. Since businesses are nearby, I park my car in any of those branches.</div>
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<b><span style="font-size: large;">5) Association Dues</span></b></div>
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It is essential to know what you are paying for. Does it include maintenance, administrative/management fees, and amenities? How is it paid: monthly, quarterly, semi-annual, or annually?</div>
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<b><span style="font-size: large;">6) Condominium Rules (Association Rules)</span></b></div>
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Many condominiums have many different rules and regulations to maintain order in the community! Unlike a single-detached home, you cannot make your own rules. Also, if you’re a pet lover, check if there’s a restriction on the type of pets allowed or if pets are allowed.  </div>
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<span style="font-size: large;">By the way, what I didn’t anticipate was the following;</span></div>
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<li>Association/Administrative Dues</li>
<li>Shared Tax contribution to the building/property lot</li>
<li>Shared contribution for primary repair/replacement (i.e., Elevators, Exterior Painting of the Building, etc.…)</li>
<li>Real Estate Tax, around P25k per month</li>
</ul>
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<div style="text-align: justify;">Although I bought my condo by random choice, I had already done some research, so I knew what to expect and what to accept. </div>
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So, Guys and gals, as I’ve mentioned here, the crucial factors that you need to know are those discussed above.<br />
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<br /></div>

I got my Dream City Home: A Guide of Buying a Condominium

In 2010, I finally bought a condo in the center of Manila. It was a random choice, but for me, it’s perfect! Every time I had my va...

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A Glance Look of my Humble Home: The Interior

I got my Dream City Home: A Guide of Buying a Condominium

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