How OFWs can grow their money back home

If you’re an OFW, you enjoy our most heartfelt gratitude: your remittances help support the Philippine economy in the global downturn, with inflows reaching record highs of $20.117 billion in 2011, as reported by the Bangko Sentral ng Pilipinas (BSP). But what happens to all that money when it hits our shores? If you’re wondering what else to do with your income after you’ve paid your kids’ tuition fees and built your house… where can you invest the rest?

Casio Baby-G BLX100-7B (For Her)

CASIO BABY-G BLX100-7B

Designed for action sports, these new G-Lide models add distinct colors to Baby-G's tide graph line-up. Gloss bands, textured dials and colorful reverse LCDs give a unique flair for these 200M water resistant timepieces. White resin band digital watch with gold face.

FEATURES

* Tide Graph

* 200M Water Resist

* Shock Resistant

* Crystal-cut Protector Design

Trick yourself into saving!

We’ve all been there before—it’s the 14th or the 29th of the month, the day before payday and all we have to show for ourselves is about fifty bucks in our wallet, and nothing else in the bank.  It’s enough to make you wonder if you’re working just to make you survive going to work. 

Put an end to this butas na bulsa syndrome by tricking yourself into saving, regardless of your salary pay scale. Essential household expenses like rent, utilities, and groceries are definitely necessary, but anything outside of this is often unnecessary. And these expenses—such as going out and shopping too often—though deceptively minimal at first, can all add up to a huge amount in the long run.  

How to budget when you’re broke

Suffering from a lack of cash? It's likely that you don't follow a budget that reflects your earnings. Smart budgeting prevents eviction, increased credit card debt, and ruined credit scores. It's never too late to achieve your financial goals—get started now with these 9 steps to make your financial life less stressful. 

Build a better budget in 6 months

 

Can you have perfect abs in just six minutes a day? It's hard to say for sure, but you can have a solid budget in six months. One of the challenges with proper budgeting is that it has to become habitual in order to be effective. You can survive without knowing how to budget if you manage to keep more money coming in rather than flowing out or have credit cards to cover the gap, but this won't last forever. People often resort to budgeting after they've already been dealing with expenses and income in a back-of-the-envelope kind of way.

5 Steps to Justify Your Pay Raise

Plan to ask for a raise? Here are ways to show you're worth the additional bucks

Dos and Dont’s For Increasing Your Metabolism

How well your body burns energy to keep up basic functions like heartbeat, breathing, and thinking is called your basal metabolic rate. We often just call it “metabolism.”

Can you change your metabolism? Yes. Whether you’re born with a fast, average, or slow metabolism, there are things you can do to speed yours up or slow it down. That means you can tweak your metabolism to help manage your weight. 

Health Reasons to Drink Coffee (and Cons to Consider)

Find out the health benefits beyond why you should be drinking coffee.

Over 18,000 studies have looked at coffee use in the past few decades. Lately more and more are reporting real health benefits for coffee drinkers-but they must be balanced against the brew's possible bitter effects, especially in higher, caffeinated doses. 

Photo by: amenic181

Truth About 10 Pregnancy Myths

Pregnancy is that special and incredibly complicated task when a new human life is formed in the belly of a woman. Although women themselves do not have to do anything but be patient and follow a list of things to do. Let's talk about some very common myths that people believe in and the truth behind them: 

30 Ways to Deal with Depression

There are some days when the human mind is at its best, and others in which it is at its worst. Depression is one of those ailments experienced by everyone in their lifetime. Here are some ways to help you cope with depression.

30 Ways to Prevent Heart Attacks

With the stress of maintaining a professional career, heart health is truly going to the dogs.

Because of this, heart attacks are common occurrences today. Here are some steps to do away with heart ailments for good.

The Evolution of the Apple Laptop: 1989 to 2012

Apple's first portable machine, which was launched in 1989, got a very poor response because of its heavy weight and slow performance. But Apple has come a long way since then. From Apple’s first Macintosh Portable to the latest Macbook Pro with Retina Display, here is a timeline of Apple's portable laptops. 

Mobile Radiation: Things to Know

It is almost impossible to imagine a world without mobile phones.

It has been one of the most facilitating and affordable discoveries of the century. But it is also true that studies have started speculating how it is adversely affecting human health. In fact, mobile radiation has been increasingly known to have adverse affects such as cancer. Read on to know more about the phenomenon and also various remedies.

10 things you should never say to your wife

It’s a pity no one states the things not to say to your wife ever. But if we had to had to bribe the pundit to read out the top 10 commandments of what a husband must never mention to his wife instead of wedding vows, this is what it would look like.

7 Most Dangerous Places on Earth

From its churning, sometimes stormy atmosphere to its shifting tectonic plates, Earth can be a dangerous place. Earthquakes, floods and other natural disasters killed more than 780,000 people between 2009 and 2009, according to the UN International Strategy for Disaster Reduction Secretariat. Millions more were injured or displaced.  No one knows how the next decade will shape out, but some areas have more reason to worry than others.