Home Hacks Design

Home Hacks Design for the bathroom such as Simple Hacks To A Prettier Bathroom. Similarly, this also feature Toilet Shopping Tips.

Another Home Hacks Design are for kitchen like Cleaning Tips For Your Dirty Kitchen and cleaning products that is perfect for cleaning.

Kitchen Hacks You Wish You Should Have Known Before like the other great use of paper towels.

Creating an effective cleaning schedule; divide it into categories; daily, weekly, monthly, and yearly.

Cleaning schedule that you also need to consider are those that is done every 4 months such as air conditioner cleaning, pest control, and deep cleaning of windows.

Cleaning of roof and rain gutter are done every year. Cleaning/draining of the septic tank should be done every 3 years or 5 years.

Cost of home make over and DIY for cheaper make over ideas.

Bedroom decorations ideas and where to buy the cheapest bed lines.

Kitchen make over ideas and DIYs for cheaper make over ideas.

Tropical living room themed and where to buy cheap tropical plants.

Home make over ideas in the Philippines. Home interior ideas in the Philippines

Mommy Blog with home hacks topic in the Philippines.

Where to buy cheap wood furniture in the Philippines.

Price of Aluminum Screen Door in the Philippines. Price of the brown aluminum and silver aluminum.

Furniture stores in the Philippines. Abad Santos furniture store address.

Uratex foam custom cut online. Uratex foam price online.

Investment 101: Where Should You Invest Your Hard-Earned Money?

Saving money is good, but earning money is better. For anyone who has had the good fortune of looking at their bank statement and seeing extras you can put into investments, the next question is where should you invest it?

Let’s look at five investment options that you can look into.

Entrepreneurship

Going into business is an investment option that will require a lot of your time and effort. But if it works out, could be the most profitable for you and you get the accomplishment of building something from scratch. The options can be endless but you can get more successful by going into a field that you know best. Investments can be as small or as big as you want so that’s what’s great about going into business. Take a minute to review your assets right now, do you have real estate you can rent out or turn into a store? A car that you can turn into an uber car perhaps or one that you can use for deliveries? See how you can earn money from those assets and you’re well on your way to becoming an entrepreneur! Just don’t forget to get the right insurance products such as comprehensive car insurance when you do decide to put your assets unto your venture.

Stocks

As a stockholder, you get a share of the company that you bought stocks in. There are two ways to earn money from stocks. When you buy a stock for say 10 pesos each and then see that its price went up to 15 pesos the following week, you could sell it and realize a profit of 50% on your investment. Another way to earn with stocks is through dividends. There are stocks (usually “blue chip stocks” that are shares of big established companies like San Miguel or Jollibee) that regularly give out dividends to their stock holders. These may be small but it can be significant depending on how many shares you hold.

To invest in stocks, you’ll need to open an account with a stock broker. These days, there are online stock brokers that let you buy and sell stocks online through their website and the advantage of this is that it’s convenient and you get access to charts that give you an idea of how well that stock has performed in the past. The stock market can be volatile meaning it goes up and it goes down and that’s the risk you face when you invest in stocks. The upside is that the money you need to start investing in stocks can be relatively small. You can open an account with an online broker and invest in the stock market with as little as PHP 5,000.

Treasury Bonds

Treasury bonds are financial instruments issued by governments. Compared to stocks, these carry less risk. You can look into investing in treasury bonds issued by the Philippine government. You can go to banks such as PNB and BDO which have desks that can help you put your money into these securities. Tenors for treasury bonds can be as short as 2 years and as long as 25 years. The downside to investing in treasury bonds is that it needs quite a hefty investment on your part. You’ll need a minimum of PHP 200,000 to invest in treasury bonds according to PNB.

Unit Investment Trust Funds

Aside from treasury bonds, the investment desks of banks may also offer unit investment trust funds. These are professionally managed funds that are invested in different investment types such as bonds, money market securities, etc. UITFs are regulated so the BSP has an oversight on these products. What makes these investments attractive is that these are affordable and have liquidity meaning you can redeem units at any time. There’s also quite a variety of funds to choose from so you can find one that fits your investment goals.

Pension Plans

Think of pension plans as an investment for your future. These are more of a saving plan that you can take advantage of when you retire. It’s easy to find a pension plan that has life insurance component so that your beneficiaries can get the benefits when these mature. These may not be a straight up investment product such as stocks and bonds, but these can compliment your savings nicely.

Investing can get risky and you need to study all the pros and cons of an investment before you put your hard-earned money into it. Diversification is one way to minimize risk and if you plan to go into business, making sure to buy the right insurance products for your assets can serve as a safety net for you.

This post is brought to you by:

MoneyMax.ph is the Philippines’ leading financial comparison site where you can save money by comparing financial and car insurance products and services – fast, comprehensive, and free. We aim to give the power of smart purchase decisions back to Filipino consumers by providing everything they need to become financially savvy. Like us on Facebook to get the latest tips on how to save.

Decongestant For Your Allergies

Allergies are constantly on the rise. According to scientists, about 20 % of world’s population is suffering from some type of allergy. Most of doctors think that changes to our environment and our lifestyle are the main reason why more and more people are suffering from this type of irritation. People are spending a lot of time inside, we are eating different food, our environment is polluted and chemical products used for cleaning can often cause severe reactions. Children are especially sensitive because most of the allergies first appear during infancy while their frequency is reduced between 20 and 30 years of age. Children are inheriting these allergies directly from their parents as well as genetic predisposition to have them.

This condition can be defined as excessive reaction of immune system to substances (allergens) in our midst. During allergic reaction, certain types of anti-bodies lead to activation of cellular immune system and various mediators are released within the body. This way, inflammatory process begins as a response to outer elements and it can vary in intensity, from mild allergic reaction to asthma.

There are numerous reasons why person contracts allergy. According to new data provided by You! Drugstore, it seems that allergy is the only disease that affects different systems of organs. Children usually suffer from allergic sneezing (rhinitis) and about 40 % of children in USA are affected by it. Parent can notice runny nose, mucus is clear, itching and sneezing are also standard symptoms. If the first changes on skin appear during first months of life, this means that the child will be prone to allergies.

Our response depends on severity of allergic reaction. Mild problems can be effectively treated by using medicine such as Otrivin while asthma is much trickier because it is chronic reaction and person will need to deal with it till the rest of his life.

Otrivin is a decongestant. This means that the drug is used to shrink blood vessels. It comes in a form of nasal spray and by using it, patient is able to reduce blood vessels that are positioned within the nose which will reduce body’s reaction to various substances from our environment. This way, we are able to prevent severe reaction and reduce sneezing, redness and swelling. Otrivin is quite potent drug. It shouldn’t be used more than 2 or 3 times per day. Also, entire therapy should last for about 3 to 5 days. After that, you will be able to breathe properly.

Having in mind that the drug is pretty strong, there are certain diseases and conditions that can prevent you from using it. Before you start using Otrivin, it is necessary to consult with your doctor if you are suffering from diabetes, kidney or liver diseases, enlarged prostate or if you are having issues during urination, glaucoma, thyroid problems, heart issues or high blood pressure. Common side effects of using Otrivin are: fast heartbeat, hallucinations, different allergic reactions such as swelling, closing of throat, difficulty breathing and seizures.

Door Security: Door Locks, Deadbolts and Door Closer

Pintooooo! Yung pintoooo isara nyoooo! Lalabas ang aircon!! este ang lamig ng aircon!! Yung pinto pleaaaseeeee

When was the last time you screamed for the door? Never? aba swerte mo! Here, whatever I say, they always forgot closing the door.. or baka may door closer ang pinto ninyo?

In most hotels we stayed, may ganito eh, but only during our Ace Hardware trip that I got to learn how useful and how much I need this kind of door essential in my life. Bigyan nyo ako ng sampung dosena pleaseee!

Anne of Ace Hardware (Robinsons Galleria) was the one who told me about door closer. She’s very helpful din about door locks and dead bolts. We need a few dead bolts kase for our house and she explained in details which lock is best for our house.

These kind of locks are used for gates pala.. parang ganito ang lock ng bahay ng lola ko nung araw?!? No wonder hirap na hirap ako isara noon ang pinto sa bahay ng lola ko LOL

These are the locks that we need:

Eh dalawang klase pala ito..

Dead Bolt Single Cylinder and Dead Bolt Double Cylinder

Sabi ni ate ____ mainamn ilagay ang Dead Bolt Double Cylinder if the door is near any window. The double cylinder kase needs a key to be opened in both sides. The single cylinder only needs key when you open it from outside. These dead bolts were less than 1000 PhP each.

Yale’s locks and dead bolts are our only choice talaga..parang kase when it comes to locks, it should be Yale. It’s one of oldest name in the lock industry di ba? Sabi din ni atey from Ace Hardware, Yale locks are hard to pick and can’t be sawed because of the materials that it’s made. And if you’re planning to get Yale locks and dead bolts for all your doors, you can request for the one key. One key to rule them all.. One key to unlock them all. It’s a nice option? Pero scary pag nakuha ng iba! But I like the idea of one key. What do you think?

Sa mga new home owners, what kind of security measures you apply on your doors?