Weight Loss Shakes

Are you overweight? Are you tired of trying different methods just to become slim but failed? Many experts believed that not all weight loss programs are applicable to each one of us. Losing weight is very hard and some people even stop to no avail because they failed many times. Weight lifting is a laborious weight loss program. Eating less is very hard to do especially if you are in front of many delectable foods in the table. Why do it the hard ways when you can lose weight while enjoying your foods? Eating the right foods and its amount is the best way to lose weight.

For me I prefer weight loss shakes because they are delicious and easy to prepare. I love fruit shakes so drinking them is easy for me. The advantage of drinking shakes is that you will lose interest in eating because you feel full after drinking it. These weight loss drinks or shakes are full of vitamins and minerals too. Strawberry flavor is my favorite drink and adding them with ice will quench my thirst. If you are into gym to lose weight then this drink is a good supplement.

Weight loss shakes comes in different flavor like strawberry, vanilla, chocolate and other fruit flavor. 

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10 Reasons why you are not Rich

I found an article "10 reasons why you are not Rich" and I believed that the writer is right when he wrote it. I will share it with you so that you will get some tips and apply it in your life.

1.0 You Ignore your Finance. You need to plan for your future and take control of your finance so that you will become a millionaire. Take control of your finance by planning. If you ignore and let the course do it then probably you will not become rich.

2.0 You're Financially Afraid. If you are afraid to invest your money or do a business and let your money stay in the bank then you will not become rich in fact your money will be eaten by inflation.

3.0 You Invest in Things you don't Understand. Before you invest in anything make it sure that you understand what you are doing and how to manage that investment or business. You should invest in such investment just because your friend make money on it. He understood what the business is but not you. Better educate yourself first before you invest.

4.0 You Rely on others to take care of your investment. Well honestly everybody wants money so must probably they will manage it to their advantage. Better to learn on that investment but do it yourself.

5.0 You try to make more money fast. Most people bet on lottery because they want instant money but the truth is that its easy to be hit by a lightning than to win a lotto.

6.0 You Have not Prepared. Everything needs preparation like for example if you have a business better you have an insurance. Make everything ready to protect your wealth.

7.0 You have no goals. Goals is very important if you want to become rich. How can you reach your destination if you have no goals and determination?

8.0 You have bad habits. Whether it is smoking, drinking or gambling they are all bad that will affect your savings because they eat most of your money. Smoking can add financial problem because it can cause health problem and this will cost you more money.

9.0 You are not Patient. Before it is hard to spend money that you do not have but today you can do it using your credit card.

10.0 You care what your neighbor think. If you care about what your neighbors are thinking then most likely you will not become rich. You buy something to please them is not a sign to make you rich.

These reasons are very clear that if you do have them 100% you will not become rich.

How to Make Money

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Drug Addiction Test

Drug addiction is common nowadays maybe because some of the parents ignore their children and do not have a strong family bonding. There are many reasons why a person becomes drugs dependent and one of them is lack of family bonding. There are many addictions which include smoking, drinking alcohol but drug addiction is the worst.  Addiction leads to stealing, killing and other forms of crime. I have a friend who was an addict and they lost their livelihood because of him, right now he is in a mission to spread about the bad effect of addiction.

Many parents do not know on what to do with their addict children and make them worst by blaming them. If you have an addict child and you do not know on how to handle him then you better look for guidance from people who know how to handle this problem.  Another thing is to let him undergo drug test to evaluate how high his addiction is.

I found a website that has complete packages on almost all kind of test not just drug test but other test. Nicotine test, pregnancy test and even health test are available. The site has a promotion right now just to help you clean yourself from drugs.


When a friend or a loved one is hooked on drugs, please consider bringing him to rehabs for drug addiction before it’s too late.

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10 Smart Money Move

Here are my 10 smart Money Move for 2011. If you have money problem last years then follow these 10 Smart Money Move and make your 2011 year a good year to start your business. Make it the stepping stone for your financial freedom in the future. It should start from you.

Here are my 10 Smart Money Move for this year:

1.0 Face your money problem and be honest or accept the really that you have money problem.
This means that you have to face the really that you have money problem like credit card problem. Learn the basic of money keeping, spending and investing. Handling money can be learned and through discipline you will create more money and investments. Make it as part of your life, you will realize later that managing money is fun.

2.0 Organize your finances, statement of account, banks account, insurance policy, credit card statements. If you are not organized you will tend to panic not only because you do not have money but you are unorganized.

3.0 Review Your Statement Account.Get a feel for what you are spending. Where is your money really going? You may often find some errors and double charges. Look at hidden fees from all the bills you pay. Confirm that some of your regular income is going to a savings account on a monthly basis. If you have an investment account, take a close look at what you have: stocks, funds, bonds, cash, gold. Know what you have and then ask yourself how it feels. You don’t need to have a finance background to know whether your money situation is letting you sleep at night.

4.0 Return To Basic. Many people are indulging themselves with expensive things be it beauty treatment, gadget and other worldly materials. Ask yourself if these things are really important. Can you live without them? Instead of enrolling in the gym why not walk, play with friends in basketball, doing home chores and gardening? Think about all these and you will realize that you wasted lots of money.

5.0 Find Another Source of Income. In my case I blog and I earned extra money doing it. The part is that I enjoy doing it. There are countless opportunities out there like babysitting, writing e-Books about anything that can make people make their live easier, editing, consulting, translating and more.

6.0 Ask for discount and especial offer. Some people think that by doing so you are cheap, will this is not true at all. Many rich people are doing it even Donald Trump. You are asking not stealing so there is nothing to be ashame of.

7.0 Sell your old things which you are not using. You will be surprised that you can get more money out of your junk. You can also free up some space in your house.

8.0 Not that this is a must, but if you had to radically downsize your life, how would you do this? Would you move? Would you cook more or grow your own food? What would you do? Just knowing this will push you to live differently, with a higher level of consciousness.

9.0 Take a look at your beliefs and emotions around money. Most of us picked these up from our parents. One of them was probably fearful or always worried. Maybe one of them over-spent or was in debt. Think about it. You are now an adult and don’t have to be loyal to their beliefs around money. If you do feel anxious about money, take a deep breath and ask yourself: “Where have I seen this before?” Commit to making a fresh start.

10.0 Be grateful for what you do have. We have so much more than 95% of the planet. Bless what you have. Find ways of giving. If it's not money, give your time and your heart. The more you give, the more life finds ways to give back.

Now that you have this 10 Smart Money Move, apply it seriously and I hope you will find peace when it comes to money in 2011.

How To Make Money

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Ring Central Coupon

Telephone should not be expensive! There are many providers today that provide telephone whether it is virtual telephone or the same old telephone system. Since we are in the computer age many news technologies related to computer like networking and digitals are now sprouting. I have read and study about digital telephony that is offered by many vendors and they promise low price and advance technology.

I found a website that offers free coupon for their products and I think this a good catch because you have to try their product for free or lower price. If you find out that their product is not the one that you are looking for then you can stop it. Ring Central Coupon is one of the example. Visit the website now and click that coupon to avail of the free one month subscription. There are other offers that the website is selling.

Using the new technology will make your work faster and convenient. Why use the old system when there is new and cheaper. Our company always adopts new changes and one of these is telephony. We have migrated to paperless technology a decade ago. Embracing the new technology will save you money and it is good to environment too.

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Pop Up Displays

Business needs to be advertised in trade show whether it is old or a new business because by doing so you tell the customers that you are alive and existing. Finding good materials for your booth is also very important with so many competitors today they will eat your ads alive if you don’t upgrade your display and presentation. The pop up displays are now available with right price. They are now used in every job fair or business fair that I attended.


Trade show pop up can be ordered online and you can get it fast and the good thing about it is that it is easy to assemble and fast so you can have your pop up display in minutes. They are available in different shape, monitors, back lighting and even internal shelving. They are available for people with low budget especially for the end user like small business entrepreneurs.


If you have pop up trade show displays in your booth people will like it because it is beautiful and newer display than what we have before. If you want to learn more about this kind of display I think you better visit a trade shows today because most of the companies are using pop up display as their way to showcase their products. .  I saw many pop up booths in the trade show I attended in Dubai and they are really an eye catcher.

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How to Gain Financial Freedom | Ways to Become Rich

This is not a quick rich scheme that will make you rich overtime. Remember when you become rich overnight; most likely you will lose it in a short time too. Why? Because you are unprepared to handle such wealth and there is a tendency to spend it without your control.


Here are some basic ways to gain Financial Freedom regardless of how much you earn:

1. Find a job that will generates income or if you have no chance to have one, be self employed. I knew a lot of individuals who became rich without working in a big company but self employed. Honestly to have a secured job will only put you where you are. Make your financial status stagnant. There are only a few rooms to grow. Have you heard an employee become rich? Only a few of them. Maybe this vehicle will make your life easier but you are staying in your comfort zone.

2. Pay yourself first! This is basic and should be implemented at once. At less 10% and invest it to a business or investment that will grow at 15% a year. This is a healthy return. Beware if your investment grows more than 20% a year, except for businesses like groceries, services and etc. But if you put your money to a company that will earn more than 20%, most likely it is a scam.

3. Save as much as possible. Don’t eat from fast foods, pack your own lunch. Besides it is healthy and nutritious. Stop your vices like smoking, drinking alcohol, buying things which are not needed but wants only.

4. Maintain your lifestyle just like what you have. Remember that if your earning is increasing, your spending is also increasing proportionally. Don’t spend but invest the earning of your investment or business and again remember the 10% for yourself.

5. Find a niche which you like because if you go into business which you don’t like, most likely you will not succeed.

6. Invest in business or investment that doesn’t need your presence. Remember you can’t attend all businesses as you are only one. Investment in Mutual Funds, stock market, franchise, bonds, securities and etc.

7. Share it your love ones and friends and don’t forget to give thiet to the church. Your abundance is from our creator so it is just right to give him some of your earning. Most rich people do this.

8. Teach your friends and relatives how you attend your financial freedom. Make a campaign. The more your help, the more you earn. Make a wider influence to get a bigger share of grace from God.

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What is Mutual Fund?

A mutual Fund is a collective investment which are coming from different investors and the money they collected will be invested to different investment like stock, bond, short term money markets and securities. There are many agencies or companies who offer this kind of investment.
Massachusetts Investors Trust was the first company to offer Mutual Fund on March 21, 1924. This investment is registered in SEC or Security Exchange Commission. This investment was affected greatly by the stock market crashed in 1929. After the tragedy the Mutual Fund blossom again and right now is one of the famous investment around.

Here are some advantages of Mutual Fund:

The mutual fund is more secured than stocks because it is invested in different companies, so the risk is distributed and diversified. It should be diversified product too like real estate, insurance and etc. not just different companies.
You can invest a small amount not like stocks which you need a thousand to invest only in one company.
This investment is managed by a couple of manager who are expert in this field.
You can add your investment any time and can get it or withdraw it any time.
Higher yield than time deposit and current account.
No withholding tax compared to time deposit and current account in the bank.
Here are some disadvantages of Mutual Fund:

No guarantee for profit in fact you will have a chance to lost your money though lesser than the stock.
The profit is lesser than the stock market.
You can't get your money at once like in the bank but you have to wait a day or two.
You have to pay a charge for your investment like exit charge or when you buy a mutual fund
My personal experienced with this kind of investment is great. I invested a P10,000.00 and now for almost three years, the amount double. I can add if I want but I am outside the Philippines so maybe when I come home. The NAV or net asset value per share is fluctuating but you need to have patience in this kind of investment. One of the companies who offer this kind of investment is Philam Fund. I am not promoting this company by the way. I just used them as an example. There are other companies too like Sun Life Insurance.

My suggestion is to elimate the loser and take the top ten gainers or you don't need to get the highest earner but avoid the loser as what Warren Buffet advice who is number two billionaire in the world after Bill Gates. Buffet is into Stock market by the way if you don't know him.

Investing your money through mutual fund is like leaving your money to the expert but again you need to familiarize this investment. If you are working abroad this is the best way to invest than having a small groceries and transfortation business, somebody will benefits from them and you wake up one day, your hard earn money is gone. Next time I will post an entry about lumber which is a sure money and I will explain why it is best for us OFW.

How To Make Money

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Depuy Lawsuit

Do you have any problem that needs lawyer? Many people are thinking that bringing your case to legal battle is long and very expensive better to keep quite or go for out of court settlement but I think there are law firm that think you are important to them. They are there to help you and win the case. Whether your case is about dog bites, spinal cord injury, defective products or Accutane Lawsuit they are there to help your case.

Have you heard the news about hip surgery lately? Yes there are many complains of pain after the surgery. If you are one of the victims you can sue the hospital who did the operation and let them pay for the pain that you feel every day. The name is Depuy lawsuit that many victims were compensated already.

Here is the address and telephone number:

O’Hanlon, McCollom & Demerath – Personal Injury Lawyers – 808 West Avenue, Austin, TX. 78701 – 512-494-9949

Visit or call them now!

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Why you need to Contribute in SSS or social security system?

I will tell you why you need to contribute your monthly SSS - Social Security System if you are not a government employee. This is because if you are active contributor you can apply for an emergency loan which is equivalent two months salary on the bracket of your contribution amount. You can pay it up to two years or more depending on the arrangement. It is also a savings which earn more interest than time deposit or savings because it has no withholding tax which is 20% of your interest earn.

Before you could invest in other investment I think it is better to invest first in SSS because it has many features that can help you in the long run. It is a retirement money where in you can get lump sum or monthly money instead of salary since you are retired already. There is funeral money too and if in case you will die earlier than your spouse she or he will have half of your monthly pension too. Read more about SSS-Social Security System article that I posted earlier.

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Ipod 60GB

I bought an Ipod last week and I was very happy about this small gadget. Very handy and useful. You can download a mp3, photos and videos. It has a CD for installation in the PC or laptop and you can charge the iPod using USB in the computer. You can also use your iPod to store files. Though the price is somewhat expensive.
For more details visit IPOD.

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Wealth Management

Do you know how to handle your money? Many of us has the tendency to squander our hard earn money because we do not know what to do with it. If we come from family of worker, we do not know how to make our earnings earn more. This is the reason why we stay poor even if we are earning because we do not know to make our money grow.  Learning on how to invest is the best way to become rich. I know some people who become rich because they know how to handle their money. They did not change their lifestyle. Do you have retirement plans? Did you invest your hard earn money so that it can help you after you retire?

This question must be weighed if you want to become financially free as earlier as possible. Learn to manage your asset if you want to control your destiny. Wealth management is not that hard if you have the discipline to do it. My friends who are now living in United States used San Francisco Wealth Management to help them prepare for their future especially when they will retire.  Right now my friends are well verse about investment like stock, mutual fund and where to invest their asset. If you have a hard time calculating your investment or you do not know what to do with your money then look for an adviser. 

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You need Drawers?

I just transfer from one room to another room last week. The good thing is that I have drawers so it was very easy to evacuate and fast. Having your things like clothes and perhaps papers, small cans, bottles, gadget is not easy if you do not have drawers. You cannot arrange them and when you want to keep them safe you need to have a drawer to arrange and place them in order. Drawers can also save space in your room and make your room in order. Every room needs drawer to make it look better and easy to arrange your things. I would recommend buying drawers in order to save space and time to keep your things.

You can buy drawer organizers for your drawers. They are available online if you do not like them in your local store. Buying online can save time and money too. Why not shop online today? Colors are also very important to much your drawer’s color. For me I like white color because they look clean. Actually it will depend on what color you like and also where you want the drawer to place. It will also depend on what color is your wall. If your wall is white then drawer should be dark color. 

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What is Annuity?

Do you feel secured with your retirement benefits from your company where you worked for almost all your life? With uncertainty of economy today no one is sure about their retirement compensation today, in a matter of time everything will vanish. Do not put all your eggs in one nest, try annuities. What is annuity in the first place you may ask? Just lately when I read the website about annuity, it is defined as a contract between you and the issuer wherein you give a capital or principal to the issuer whether in cash or in installment basis and in return the issuer will give you money in fixed value or variable value overtime. The issuer here is usually an insurance company.

There are two types of annuities:

Fixed Annuities are invested primarily in government securities and high grade corporate bonds. This investment is more secured but will not gain much interest than the variable annuities. Fixed Annuities are actually has guaranteed rates than variable annuities.

Variable Annuities are invested in selections of fund like mutual fund that is tied to the market performance that is why they have managers for this type of Annuity. This annuity is invested to most conservative to most aggressive investment like money market.

What is good with annuities is that there is no limit with the investment unlike with retirement plans. Invest in annuity now if want secured money rather than in stock market. Buying stock directly is dangerous if you are not familiar with this type of investment.

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Super Saver Tips | List of Saving Tips

I discuss about how to generate money like employment, personal employment and business like selling and services. There are many ways to earn money. Self discipline plays an important role here. You have to control yourself. It is not easy to do it, right? Yes it is not easy but try this one.

According to study habit can be developed if you want to. Doing a thing everyday up to a minimum of 21 days repeatedly will develop it into a habit. If you are a spender, try to stop shopping and buying for 21 days and it will make you less spender. Make a list of everything you want to buy before going to the market or mall.

So here are some of the best way to save money:

1. Don't buy if you just want something but you really don't need it. Wants is different from needs. Example if you buy a cellphone, ask yourself if it is really necessary to buy a latest model or you just want to brag it with your friends. Stop bragging, what goes around, comes around, what goes up must come down. Your financial future will be affected.
2. Buy something if you will use it to earn money, like for example a camera, if you earn taking pictures then buy a camera but if you want to use it for personal or just for picture taking, just borrow one from your friend.
3. Recycle some of the materials around, like cans, plastics, clothes and other things inside the house. You might find some treasures in your garbage.
4. Conserve water by having a basin when you waste your plates and utensils. Pour those water waste in your plants as a fertiliser.
5. Turn off the light and appliances if you are not using them.
6. Plant spices like union spring, lemon grass and tomatoes in your yard instead of flowers and other ornamental plants. You can use them for cooking instead of buying them in the market.
7. If you are living near your work place, it is better to walk to save gasoline and it is the best exercise too.
8. Buy generic brand instead of buying expensive brand like pills and other product. Oatmeal is oatmeal so choose the cheaper one.
9. Buy during midnight sales or anniversary sales you can get big discount.
10. If you are cooking a special recipe choose an ingredients that are cheap. They actually taste the same.
11. Cook in the house and invite your friends and let them cook too and be invited, you will save money instead of eating in the fancy restaurant.
12. Eat vegetables instead of meat. They are delicious and nutritious.
13. Buy vegetables which are on season, they are cheaper on those months.
14. Buy fresh fruits than those in the cans and glass. They are free from preservatives and cheap too.
15. Stop smoking as much as possible.
16. Stop drinking alcohol.
17. If you could not control yourself then most likely you will fail to follow these tips.
18. Stop playing lottery and other game of chance. Just do it for fun and once in a while.
19. If you have cable TV, stop the subscription if there are other alternative ways to entertain your family.
20. Instead of extravagant vacation every year, do it once every two or three years and to the province. It is cheaper there than going to Hong Kong or other places.
21. If you have two telephone lines and extra cellphone subscription, cancel them and retain only one.
22. Live a simple life and be contented.
23. Buy clothes only twice a year.
24. Don't patronize a brand, buy a good quality clothes.
25. Buy fish instead of pork.
26. Avoid getting sick, it will cost you too much.
27. If you have children, encourage them to save money.
28. Encourage them to take scholarship to save tuition fees.
29. Pack their snacks and lunch.
30. Put your money in the bank to avoid spending.

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Cheap Cardstock

Do you party preparation or have a local business that needs cards invitation? I found a cheaper source of it and you can contact them if you want to order big quantity of papers envelops and cards. If you are into business like if you have a local bookstore that caters everything not just books but school materials then you found the right place because the website that I am telling you has it all about papers.

Making special card is now very easy with their materials and tools. You can make your own design that will attract more of your customers or perhaps friends. One of their products is textured card stock. If you want to have unique designs then try it. Card for birthday, wedding, or any other occasion is now easy. Customizing is now easy and what is the thing is that you can save more money doing it. You can explore their website now and order what suite to your needs. 

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