Each life is equally valuable.

Looking back on my life, I find that the most painful experiences taught me the most valuable lessons.  But, you never learn what those lessons will be until you’re on the other side.

The value of life cannot be measured by any amount of money. Know the value of your life – examine your heart and your actions.

The value of your time and your day and the value of the people you spend it with.

The only way to do great work is to love what you do. We deserves the chance to live a healthy productive life.

Change is coming!

Are you willing to change?



Featured post

Wonders of Water

Why Drink More Water?Water1

Drinking water helps maintain the balance of our body Fluids. The functions of these bodily fluids include digestion, absorption, circulation, creation of saliva, transportation of nutrients, and maintenance of our body temperature.

How much water should you drink?

I’m going to start sharing the best tips from one of my friend and find more online resources because I definitely need to work on this too.

  • Begin by drinking a glass of water as soon as you wake up – Helps activate our internal organs
  • 1 glass 30 minutes before a meal – to help digestion
  • 1 glass before taking a bath – to help lower blood pressure
  • 1 glass before going to bed – to avoid strokes or heart attacks
  • 1 glass after meals  after one hour

Increasing fluid intake is often recommended as a part of the treatment protocol, and there is some evidence to back this up.

Currently there are many licensed nutritionists, dietitians, writers or bloggers writing articles online about Health Benefits of Drinking Enough Water :

Useful resources:

Improves Skin Complexion
Flushes Out Toxins
Boosts Immune System or  What You Drink and Your Immune System
Increases Energy & Relieves Fatigue  or   article about Don’t Medicate, Hydrate!
Promotes Weight Loss
Natural Headache Remedy

 Protects vital organs and Cushions 

Moistens oxygen for breathing


Drinking Water Can Make You More Productive

Continue reading “Wonders of Water”

Financial Goals to Consider

Start by setting some financial goals for your future. Educate Yourself About Money. Gaining knowledge is the best decision you can make and you need to save for the future. If you’ve never thought much about this, here are good financial goals for this year.

Be specific and realistic. Identify your financial goals. Your goals should also be realistic and based on your current financial situation. Prioritize each of your personal financial goals in order of importance, and then determine how long you have to save. Figure out how much you’ll need to save per month to achieve your financial goals.

Determining what your short-term, IMG_1496mid-term, and long-term personal financial goals are is the first step.

Short-term goals. Think of your goals as the foundation for your financial plan. Each financial goal should have a time horizon and can be a stepping stone for a future goal. Short-term goals differ from long-term goals usually in the sense of timing. Short-term goals are generally smaller in scope and cash amount with a definite target date for accomplishing them.

Short-term goal example:

  • Assess your finances and eliminate credit card debt. Get Out of Debt completely.
  • Set up a rainy day or emergency fund. It’s generally a good idea to establish a rainy day fund before you invest for any other goal. Advisors recommend that people set aside three months worth of everyday expenses into such a fund.
  • Adjust your spending habits. Reduce spending on things that are more luxury-type items and “wants” as opposed to “needs”. I tried the formula ( income – savings = expenses ) I started to apply this formula just last year 2016 after hearing it from Francisco Colayco – the Chairman of the Colayco Foundation. He shared some savings and investment tips on pesobility reality tv show.Get started today! Find an investment advisor in your area or ask for help in setting up your financial plan. Experienced investment advisors will not only help you identify your goals and assess your financial situation, they will also pick investments that are best suited for your goals.

Establish mid-term goals  it may take from two months to three years to achieve. How Can You Plan for Them? Planning for intermediate financial goals is important. Another approach is to save for all of your goals at the same time. Open a specific saving account for each goal and divide the money you have available to put away between the accounts. Taking care of your money for medium term goals is tricky. You keep your emergency fund some place safe since it’s possible you’ll need it tomorrow. Since the timeline for your mid-term goals is shorter than your timeline for retirement, you’ll want to manage your risk carefully. You’ll need to strike an effective balance between protecting the savings you’ve worked so hard to accumulate while getting a bit of growth and offsetting inflation. Start saving for your mid-term goals so you can create the life you want without worrying about how you’ll pay for it.

Mid-Term Goal Example:

  • Build Your Wish List. What do you want your life to look like in the next three to five years or ten years.
  • Fund Liquid Investments. Once you figure out how much money you’re going to set aside, it’s time to figure out where to store it, so that you can keep it liquid while letting it grow. As for me, For example, shares of stock, bonds, money market funds and mutual funds are considered liquid assets. These assets can be converted to cash in a short period of time in the event a financial emergency arises.

Set Your Long-Term Goals. Long-term goals require time and planning. Long-term financial goal for most people is saving enough money to retire, own a business or for investment. They are not something you can do this week or even this year. What are your long-term financial goals? Create a picture of where you want to be in life 10 years from now. For goals with a bit longer timeline, you can consider conservative investments structured to preserve your savings in a taxable investment account.

Long-term goal example:

  • Set up automatic investments to your retirement plans and investment portfolio. The budget you created when you started on your short-term financial goals will give you an idea of how much you need. Increase your retirement savings. You may need to plan for higher healtcare expenses in retirement, include Social Security, retirement plans and pensions. This will leave you with the amount that needs to be funded by your investment portfolioLong-term goals can be achieved by being a disciplined saver and investor.
  • Try not to be emotional about your investments and don’t jump in and out of your holdings when the market is volatile.
  • Monitor your investments and risk regularly, and make adjustments to your portfolio when needed.
  • Consider the time value of money.The economic principal that a dollar received today has greater value than a dollar received in the future.  Fundamental principals for these reasons: 1. More is better than less. 2. Sooner is better than later.
  • Find the right savings product for you. You can get information about investment products directly from many banks, life assurance companies and investment firms.

When you compare investment products, you should consider two key factors:

  • Risks involved – most investments do not give you a capital guarantee.
  • The likely return – risk and return go hand in hand, so as a general rule the lower the risk the lower the rate of return you should expect.With longer-term and higher-risk products, you can expect higher returns, but this is not guaranteed and you could lose some or all of your money. You need to consider carefully the effect of this on your financial situation.

Before investing you must understand the product. How is the investment product growing and how will it continue to grow? Know the deal.Look at the valuation relative to comparable companies based on multiple factors, including revenue, net income, growth rate, risk profile and capital structure. Good companies are not always good investments—especially if the valuation is too high. As Warren Buffett once said, “Never count on making a good sale. Have the purchase price be so attractive that even a mediocre sale gives good results.”Ultimately, any investor needs to obtain as much information as possible about the business, the industry and the deal.

Need help determining your long-term financial goals? Ask an Advisor! There are no sure bets, but the more you know, the better your odds of success.

Useful Resources


Financial Engines

 Money Management International





How to Make Real Change in Your Life

Learn how to make lasting change in your life.


It’s never too late to change your life for the better.

Personal Goal Setting. Setting goals gives your life direction, and boosts your motivation and self-confidence.  Goal setting is a process that starts with careful consideration of what you want to achieve, and ends with a lot of hard work to actually do it. You can’t simply say, “I want” and expect it to happen. Without goals you lack focus and direction.

Set Specific Goals. Set goals that relate to the high priorities in your life. Examine your life’s path. What are your passions, interests, and goals?  

Make an Action Plan. Changing Your AttitudeThe best way you feel happier about your life is to stop dwelling on the past and stop worrying about the future. Make sure that it’s possible to achieve the goals you set. You will have to change the things you do every single day. Every change is possible if you are truly sincere, committed and willing to persevere.

This is a checklist that you progressively refine and improve to make sure that you remember to do everything important for success.

Be Positive. Get in the habit of noticing the positive aspects of whatever situation you find yourself in, if you find it hard to change your daily routines, start with small changes and work your way towards major changes.

Believe you can make the change and achieve your goal.

Follow Through and Take Action. Start small and build, but don’t forget to take action each day. As soon as you skip a day or two here or there, it’s far harder to follow through.

Learn Something New. With the entire world of knowledge just a few mouse-clicks away, it has never been easier than it is right now to learn something new and unexpected every day.

Evaluate and Refine the Process. Be honest with yourself and do this evaluation every week until you’ve found your groove with what you’re doing. What goals do you have? What changes have you been thinking about making? It doesn’t have to be a struggle. You can achieve your goals more easily and develop real and lasting change by shifting how you view the change.

You can consider the following questions and use a journal to record your answers:

  1. Which areas of my life are the most satisfying and fulfilling? Why?
  2. In which areas of my life am I feeling dissatisfied or unfulfilled?
  3. How are you feeling?
  4. What do you want?


The minute you begin to do what you really want to do, its really a different kind of life.”        – R. Buckminster Fuller

“Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful.”  – Albert Schweitzer-




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