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Tuesday, November 23, 2010

Found the save way of managing loans

Do not be afraid to make a loan!! Why??
If you know the save way of managing loan, you will definitely get the benefit on it. Do you thing the rich man have no loans?? The answer is..big no..no... They have loans either. But they know how to make this loans as good loans.  The good loans bring prosperity to you, whereas bad loans will bring misery.
"Good Loans" occurs when you owe but other people who pay the debt. Instead "Bad Loans" occurs when you are in debt and you also have to pay the debt.


The different characteristics of loans between the rich and the poor is the rich owes to buy productive assets or property while the debt to accumulate assets, but the poor use it for consumptive things. Else, the rich pay a debt by revenues earned from the productive asset (passive income). Meanwhile the poor pay the debts from his income (active income).


How to manage the debt?
Here are some tips you need to know in managing debt:
  1. Payable only for unexpected needs and can not be postponed, for example there is a sick family member or school purposes.
  2. Payable for purchase of productive assets and increasing its value, such as houses, land and gold. Try not owe to buy mobile phones, shoes, electrical appliances, clothes, bags and accessories for body and home furniture. Because these items have a tendency to decrease in value.
  3. A limit on debt payments is 30% of your income.
  4. Pay debt on time and note / trim the administration and documentation associated with the debt.
  5. Do not cover debts owed by another. Unless you have been properly take into account all the excess and the fees charged.
  6. The order you owe should be prioritized in order starting from the safest, namely: spouse, parents, siblings, friends, pawn shops, banks, leasing and pay day loans. But if you need money and you are not comfort to borrow money, you might sacrifice and sell your assets are still valuable (eg. gold).

In fact there are many ways to convert debt into wealth

Donald Trump, The King Estate is an example of concrete was how he went bankrupt in the 1990s, with debt of USD $ 3 billion and the deficit worth up to USD $ 300 Million. But with the assets and funds are still available, Donald Trump could conjure up her debt to income, which could ultimately make him rise and prosper again until now.  And there are 5 early steps to convert debt into wealth:
  1. Be honest to apply your financial condition.
  2. Allocate 10% of gross income to build your business assets, if you pull through this then the sooner you get out of debt, this concept is called "Pay Yourself First" a.k.a pay yourself first.
  3. Allocate 10% of gross income for social activities. Even in a state forest you have to get used too keep doing social activities
  4. Allocate 10% ~ 30% of gross income to mortgage debt. Initially this installment will lead to protests from the lenders you surely, but with you to explain your debt settlement plan, creditors would understand and approve your step
  5. Allocate a maximum of only 15% ~ 30% of gross income to meet your personal interests, not too flamboyant Because anyway you are still in a position to owe
  6. Always seek the possibility of other business opportunities, and use the remaining funds to try to generate revenue from new things in order to pay your debt
Due to the strict debt management, your life will be much more secure and comfortable, and can invest for the future.

Thursday, October 14, 2010

Oedema, Its mean your body need a lot of water

The design of our bodies is such that the extent of the ocean of water outside the cells is expanded to have the extra water available for filtration and emergency injection into vital cells. The brain commands an increase in salt and water retention by the kidneys.

This is how we get an oedema when we don’t drink enough water.

Vital functions of salt for your body

Salt is a vital substance for the survival of all living creatures, particularly humans. Water and salt regulate the water content of the body. Water itself regulates the water content of the interior of the cell by entering every cell it can reach. It has to get there to cleanse and extract the toxic wastes of cell metabolisms. Salt forces some water to stay outside the cells, and balances the amount of water that stays outside and inside the cells. There are two oceans of water in the body; one ocean is held inside the cells of the body, and the other ocean is held outside the cells.

Sunday, September 26, 2010

Shopping and Storage Tip for Asparagus

"You know, when you get your first asparagus, or your first acorn squash, or your first really good tomato of the season, those are the moments that define the cook's year. I get more excited by that than anything else. "
—Chef Mario Batali

One of the most anticipated tastes of spring is the first bite of tender, grassy asparagus.

6 Myth About Food Abusted

Myth 1: Eggs are bad for your heart.
The Truth: Eggs do contain a substantial amount of cholesterol in their yolks—about 211 mg per large egg. And yes, cholesterol is the fatty stuff in our blood that contributes to clogged arteries and heart attacks. But labeling eggs as “bad for your heart” is connecting the wrong dots, experts say. “Epidemiologic studies show that most healthy people can eat an egg a day without problems,” says Penny Kris-Etherton, Ph.D., R.D., distinguished professor of nutrition at Penn State University.

Saturday, August 28, 2010

Carrot: Its nutritional values, benefits and how to cook

The carrot is:
  • Low in Saturated Fat and Cholesterol
  • High in Dietary Fiber, Vitamin A, Vitamin C, Vitamin K, Potassium, Thiamin, Niacin, Vitamin B6, Folate and Manganese
The nutritional value and health benefits of carrots make them ideal for maintaining optimum health and weight loss. So, don't include too many carrots in your diet if you're interested in weight gain

Thursday, August 26, 2010

Facts About Smoking

Fact 1
Almost deaths in all countries are due to cigarettes smoking. Everyone knows that smoking can cause cancer when you get older, but did you know that it also has bad effects on your body right now? A cigarette contains about 4000 chemicals, many of which are poisonous. There is no safe 'low tar' cigarette and no safe level of smoking.
Some of the worst ones are:

Monday, August 2, 2010

All About Broccoli

Broccoli and cancer risk
A compound found in broccoli and broccoli sproutsappears to be more effective than modern antibiotics against the bacteria which causes peptic ulcers. Moreover, tests in mice show that the compound offers tremendous protection against stomach cancer - the second most common form of cancer in the world.

Saturday, July 10, 2010

Pregnancy test, how accurate is this?

Today many pregnancy tests sold in the market, such us drug stores or pharmacies

According to research in the United States, the results of pregnancy test that showed negative results, does not necessarily mean the absence of pregnancy, although the use of guidelines has been undertaken correctly, this is because the process of each woman's pregnancy is different from one another.

Wednesday, July 7, 2010

Positive pregnancy test but not pregnant. Why?

After passing through some research, it turns out the pregnancy test kits can yield false results in detecting signs of pregnancy.

The working principle Pregnancy Test Tools

The ovum gets fused with a sperm in the fallopian tube to form a zygote. The zygote undergoes cell division for about 5-6 days. After this period, the zygote leaves the fallopian tube and moves to the uterus, where it gets implanted and undergoes further stages of pregnancy development.