Many consumers in the U.S. are in great debt because they do not know how to handle finances well. They are using credit cards recklessly and uncontrollably. They grab every pre-approved credit card offered to them. They have many credit cards stacked in their wallet. When time comes that they could not afford to pay off their debts, they ended up in bankruptcy and foreclosing their house, which can greatly affect credit rating. There are ways to avoid this case in the future. To maintain good credit rating, pay bills on time. You should avoid interest charges by choosing a card that offers a grace period and paying the entire balance due each monthly. Find a credit card that offers low interest rate. And the best thing to do is live within your means.
Archive for September, 2008
a few simple tips for using credit cards
September 19th, 2008Healthy eating habits
September 12th, 2008Having variety of healthy food is the key to a healthy eating habits. Eating fresh fruits is much better than of candy, chocolates, processed juice etc. So, here are my tips for those who want to have a healthy body and a sound mind:
1. Eat a variety of nutrient-rich foods. Enjoy plenty of whole grains, fruits and vegetables. Your daily food selection should include bread and other whole-grain products; fruits; vegetables;
2. Maintain a healthy weight. The weight that’s right for you depends on many factors including your sex, height, age and heredity.
3. Eat moderate portions
4. Eat regular meals. Skipping meals can lead to out-of-control hunger, often resulting in overeating.
5. Reduce, don’t eliminate certain foods. Most people eat for pleasure as well as nutrition. If your favorite foods are high in fat, salt or sugar, the key is moderating how much of these foods you eat and how often you eat them.
Identify major sources of these ingredients in your diet and make changes, if necessary.
6. Balance your food choices over time.
WEll, that is all. I wish you all the success of a healthy eating habits.
bad ingredients
September 10th, 2008Do you know the bad ingredients in your food? This is a list of bad ingredients that I searched in the net. I did not really care and know about bad ingredients especially in foods. As long as the taste is good, so here I go! haha. It was my husband who educated me with these things. My husband is really meticulous about ingredients and if he sees some bad ingredients, he would say ” These are crap, junk, and garbage”. haha I would just laugh. I thought the statement was funny. So here is the list: 1. Sodium nitrite (causes cancer) 2. MSG / monosodium glutamate / yeast extract (causes obesity and nerve damage) 3. Hydrogenated oils (causes heart disease) 4. High-fructose corn syrup / sugar / sucrose (causes diabetes and obesity) 5. Artificial colors (causes behavioral disorders) 6. Aspartame (causes brain damage, optic nerve damage) 7. Homogenized milk fats (cause heart disease and cardiovascular disorders) 8. Red meat (absolutely no beef, pork, or other red meat) 9. Cows’ milk, cheese and dairy products 10. Soft drinks, junk foods, snack foods or fast foods 11. Processed foods such as cookies, crackers, frozen dinners, etc. 12. Fried foods 13. White flour and any foods containing white flour 14. Refined carbohydrates such as breads, cereals, pastries, pizza dough, etc. 15. Fruit juice drinks 16. Brand-name laundry detergents (loaded with toxic fragrance chemicals) 17. Popular deodorants (contain aluminum) 18. Fluoride toothpaste (fluoride is a dangerous ingredient) 19. Popular shampoos / soaps / conditioners Take note of these ingredients. Health is Wealth!
ways to be more healthy
September 10th, 2008Are you health conscious? There are ways to be more healthy everyday. Nowadays, These are my healthful tips for you, guys. I found these ways very helpful.
* Exercise regularly: some form of cardio at least three times a week! if you have a bike exercise at home, do that. I do bike exercise. But I love jogging better. You may jog. That is really good for circulation.
* Drink lots of water. At least 1 gallon of water everyday. This sounds a lot but trust me, it works well. Water is very important in our body. And I feel better. Water helps in our blood circulation.
* Get 6-9 hours of sleep daily. I really love that! haha I am a type of person that if I don’t sleep enough, I get grumpy. I guess, that’s one of the reasons why people get so sensitive and grumpy because of lack of sleep.
* Meditate- meditation is a good way to clean our minds and hearts. And as well as prayer.
* Buy locally grown, organic goods, preferably in season, as often as you can. Yes, as much as we can, we should get fruits and veggies that are locally grown or organic. They are usually expensive. But it’s worth it.
* Nutritional supplements: whole food supplements, organic vitamins, Standard Process tablets, Alive! supplements, vitamin C
* Enjoy one hour of full exposure to intense natural sunlight on a near-daily basis with no sunscreen (important for vibrational nutrition and essential for mental health, bone density, vitamin D production, etc.) Yes, don’t forget to wear sunblock. It is really important. To avoid, wrinkles, sunburn and most especially skin cancer
* No visits to M.D.s or western medical doctors (visit naturopathic physicians only)
* No following the USDA’s ridiculous Food Guide Pyramid. Yes, I agree with this. I would say that avoid trans fat, cholesterol, saturated fat. I am vegetarian. As much as I can I really try to avoid meat. I do think meat is not good for us. I feel so healthy when I started being a vegetarian.
* No diet pills, stimulants or fat burning pills. Or weight loss surgery. I have a friend, she is going to have a surgery soon. I think it’s a bad idea.
That’s all! I hope these tips help you, guys. But it’s up to you. It is a matter of choice.
in dealing with emotions
September 6th, 2008Do you feel oversensitive sometimes? You might be thinking that something is really wrong with you. I get super-sensitive sometimes especially when my monthly period comes. Well, I hope this article helps and guides you in improving emotional health. First, you have to recognize your emotions and trace the root cause. Sort out the causes of sadness, stress and anxiety in your life. Take these following ways to control emotions and to be more emotional healthy.
Express your feelings in appropriate ways. If feelings of stress, sadness or anxiety are causing physical problems, keeping these feelings inside can make you feel worse. It’s OK to let your loved ones know when something is bothering you. Sometimes, we tend to displace our emotions so bad. More often, we use any escapes to deal with our emotions. We have to face our emotions and feel it. Share it with God.
Live a balanced life. Try not to obsess about the problems at work, school or home that lead to negative feelings. This doesn’t mean you have to pretend to be happy when you feel stressed, anxious or upset. It’s important to deal with these negative feelings, but try to focus on the positive things in your life too. You may want to use a journal to keep track of things that make you feel happy or peaceful. Some research has shown that having a positive outlook can improve your quality of life and give your health a boost. You may also need to find ways to let go of some things in your life that make you feel stressed and overwhelmed. Make time for things you enjoy.
Calm your mind and body. Relaxation methods, such as meditation, are useful ways to bring your emotions into balance. Meditation is a form of guided thought. It can take many forms. For example, you may do it by exercising, stretching or breathing deeply. Ask your family doctor for advice about relaxation methods.
Take care of yourself. To have good emotional health, it’s important to take care of your body by having a regular routine for eating healthy meals, getting enough sleep and exercising to relieve pent-up tension. Avoid overeating and don’t abuse drugs or alcohol. Using drugs or alcohol just causes other problems, such as family and health problems.
All the things I mentioned here are helpful. It takes courage and time to be emotional healthy.