Tag Archives: food for thought

Make It Work: 3 Things To Note When House Hunting With Your Spouse

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Make It Work: 3 Things To Note When House Hunting With Your Spouse

Sometimes, house hunting is fun. But most of the time, it’s such a pain in the neck. What makes it particularly stressful is when you and your spouse don’t see eye to eye on what you want your next home to be. Perhaps you want a big house just outside the city, but your partner prefers a small condo unit at the heart of the central business district. These small differences can blow up into big arguments, which could delay your move. So, what do you do when you can’t agree with your spouse in your house hunting? Take these steps:

Create your own home essentials list:

Since fights almost always come from what each of you thinks your family house should be, this is the first thing you should address. Here, the best approach is to make a list of your wants and needs in a home – separately. You want to do this independently so that at the end of the exercise, you’ll see the things you share in common. These similarities validate that these features are indeed important to you. But at the same time, don’t neglect the differences. Those are points for discussion. Make your case as to why these things should be in your home. Negotiate and be patient in expressing your concerns. But more importantly, listen. If your spouse has a point, be willing to concede.

Consider your budget:

All discussions should be framed in the context of how much house you can afford. When both of you have this perspective in approaching matters, it will be far easier to compromise. Those pretty countertops or furniture will be easier to resist. Now, if you don’t have a financial game plan yet, sit down and decide on it immediately before hitting the property market. Compare different quotes from lending agencies. When doing the math, make sure that your monthly payments on mortgage won’t take more than 25% of your take-home pay. Otherwise, you’ll be house poor in the next months. Once you’re able to settle on a budget already, stick to it. Inform your real estate agent about it. You may want to include this house and lot for sale in Cavite, which might fit your budget.

Cease and desist:

If you find yourself getting into a big fight over your next house, it’s wise to take a step back from the conversation or the house hunting process altogether. A nice home isn’t worth it if it’s going to split you up in the end. So give yourself a week break. No house-related matters over dinner. No budget-related talks on your dates. Use that time of ‘silence’ to ponder about your house-buying decisions separately. Your goal is to have a fresh, renewed mind once the break is and you resume the talk. Hopefully, that time of meditation will make you more understanding of each other and your priorities.

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Have you been struggling with the home search because of your couple fights? Fight no more. Prioritize your relationship through and through and the house will come when the time is right.

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Personal Loans: Why Choose A Moneylender Over A Bank

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Personal Loans: Why Choose A Moneylender Over A Bank

A loan can be a godsend, especially when you are consolidating debts. It can be unsecured, so you do not have to borrow against any valuable assets you own. This makes it less risky for you in case you run into some trouble in the middle of your personal loan’s tenure. As you can use the money for mortgages, revolving lines of credit, or wherever you see fit, you will be less pressured to explain where you will use it. In fact, you may not even be asked about it at all.

If you are planning to apply for one soon, going to a moneylender in Singapore may be more advantageous than dealing with a bank. Why? You can find out more about it below:

Decreasing Interest:

Unlike bank-issued loans, those offered by moneylenders do not come with fixed interest. This is good news, as the extra money you pay to borrow the cash decreases every time you make payments. In a way, you are incentivized not to miss your repayments. For instance, if you borrowed $20,000 and you have already paid $8,000, only the remaining $12,000 would be considered for interest computation.

Quick Approval:

Moneylenders do not process loan applications when there is insufficient documentation, but you can expect less paperwork. Banks are notorious for tons of paper requirements, rendering the entire process a bit more cumbersome. If you are in a hurry, walking into a moneylender’s office should be your priority. If you bring everything you need to get your creditworthiness assessed properly, you may receive the money as fast as 24 to 48 hours.

Flexible Repayment:

Compared to banks, moneylenders are more lenient when it comes to repayment plans. They are more open to unconventional terms because they make every effort to help their customers avoid non-payment. On the contrary, banks have strict rules in place. Individual branches do not come up with their own regulations, and they only follow orders from their higher-ups. In many cases, the hands of bank representatives are tied and cannot accommodate special repayment requests. Negotiate all you want, but that could go futile.

No Discrimination:

Singapore banks only cater to citizens and permanent residents. They mostly do not entertain loan applications from foreigners living in Singapore. In addition, traditional financial institutions are not usually interested in borrowers whose annual income is less than $20,000.

Moneylenders have minimum income requirements, too, but not as much as banks. They serve customers who earn less than $10,000 per year. Their doors are also open for foreigners residing in the country. The maximum amount a borrower may qualify is based largely on their annual income and residency status, but everyone (except tourists) is welcome to apply.

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Admirable Lending Behavior:

The moneylending industry is highly regulated in Singapore to protect the best interests of its borrowers. The government provides a Registry of Moneylenders, making it easy to identify whether a business can be trusted or not. If a licensed moneylender misbehaves, the authorities encourage you to report any unacceptable behavior.

Banks and moneylenders have unique selling points, but the latter is more appealing to most borrowers. Shop around as hard as you can and use the competition to get the most favorable personal loan available.

A Deeper Understanding Of Eating Disorders: What You Should Know

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A Deeper Understanding Of Eating Disorders: What You Should Know

*This post contains a trigger warning for eating disorders*

Despite the prevalence of eating disorders in today’s society, the public is still struggling to understand what these are. Because of this, it becomes easy to believe the many misconceptions surrounding this family of conditions. To protect and educate ourselves with regard to this matter, it’s important that the truth is set apart from lies or misinformation. One good way to do that is to present all of the facts, like the following list of things to give you a better understanding about eating disorders:

Eating Disorders Are Medically Recognized Illnesses:

Eating disorders fall under mental illnesses. They are serious disorders which can be life-threatening if not treated immediately. This means that any eating disorder, be it anorexia or bulimia nervosa has clear diagnostic criteria for them to fall under this category. And, albeit alarming, the fact is that eating disorders have a higher mortality rate than any psychiatric disorder.

Eating Disorders Go Way Beyond Food:

While these conditions are related to someone’s eating habits, frequently, one’s view on food is not where this is rooted. In reality, there are various aspects that can influence its development. Among those factors include the biological, psychological, and sociocultural background of the patient. This means that trying to offer support with simple phrases like “eat more,” “have less”, and “be healthier” simply wouldn’t work, since the cause of the condition is rooted in issues that are often completely unrelated to food and material possessions.

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Recovery Is Possible for This Condition:

As serious as they may sound, getting over eating disorders is possible. You’ll find tons of treatment options for bulimia nervosa and other eating disorders in your area. Recovery, however, takes a lot of work and the patient needs to be willing to comply with it. Along with that, they need a strong support system to help them overcome this condition. This would only be deemed effective with the guidance of a psychiatrist, because recovery goes way beyond the patient’s physical health and impacts their mental well-being. For that, it’s necessary to have a doctor guide them throughout their healing process.

Anyone Can Suffer from Eating Disorders:

One of the things people fail to understand about eating disorders, is the fact that it can happen to anyone. No matter what gender or how old a person is, there’s a risk of developing this condition. Statistics have shown that the frequency of kids experiencing this has been on the rise. It only means that this illness can easily affect anyone. What’s even more challenging is that it can be difficult to tell whether a person is suffering or not. Contrary to what most people believe, that part requires proper diagnosis and an expert’s help. This is so they can assess which particular disorder the patient has.

Whether you are the patient or part of the patient’s support group, try your best to maintain a healthy and positive outlook. This will make the arduous process of healing a little easier for those involved.

What You Should Know About Pre-Diabetes

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What You Should Know About Pre-Diabetes

While having pre-diabetes does not mean that you’ll automatically develop Type 2 diabetes, it is still a serious health problem. This is because it means that your blood sugar levels are higher than normal (although not high enough to be classified as diabetes), which then raises your risks for developing not just Type 2 diabetes, but stroke and heart disease.

According to the Centers for Disease Control and Prevention (CDC), more than one out of three American adults (approximately 84 million) have pre-diabetes. The sad part, is 90% of people with this condition don’t even know that they have it. Pre-diabetes often goes undetected as you can still have this condition for years but experience no clear symptoms.

Borderline diabetes and its risk factors:

Pre-diabetes refers to the stage right before developing full-blown diabetes. It increases your risk of developing Type 2 diabetes (five to ten times higher than those normal blood sugar levels) within ten years unless you change and improve your lifestyle. Diabetes management centers in American Fork note that this means losing weight if you are overweight and getting more exercise.

Pre-diabetes has no clear symptoms, but there are some risk factors you need to be aware of. This makes it important to consult your primary care physician and have your blood sugar tested, especially if you have the following risk factors for pre-diabetes and Type 2 diabetes:

  • Being overweight or obese
  • Family history of diabetes
  • Being 45 years or older
  • Having high blood pressure
  • Have had gestational diabetes (diabetes that occurs during pregnancy) or have given birth to a baby weighing nine or more pounds
  • Being physically inactive habitually
  • Having polycystic ovary syndrome (PCOS)

Identifying pre-diabetes:

If you are at high risk for diabetes, your doctor can conduct a test to confirm the diagnosis. These include:

  • A1C – Measures the average of your blood sugar levels for over three months
  • Fasting Plasma Glucose (FPG) – Checks blood sugar levels after not consuming anything other than water for the last eight hours
  • Oral Glucose Tolerance Test (OGTT) – An optional two-hour test that measures your glucose levels two hours before and after consuming a syrupy glucose drink

You can learn more about the recommended tests for identifying prediabetes from the National Institute of Diabetes and Digestive and Kidney Diseases (NDDKD).

Preventing or delaying diabetes:

If your doctor tells you that you have pre-diabetes, do take note that this does not necessarily mean that you’ll eventually be diagnosed with diabetes. It is best to engage in positive lifestyle changes or ask your doctor for recommendations in delaying or reversing the course of diabetes. Some of the things that can help include:

  • Quitting smoking if you do
  • Working with a dietician to eat healthily
  • Losing weight if you are overweight (losing about 5 to 10%  your weight can significantly lower your risk of developing Type 2 diabetes)
  • Working with a trained coach to get more exercise or physical activity
  • Managing stress
  • Getting support from those with similar challenges

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Learn more about diabetes and your risk of developing it by contacting your primary care physician. You should also make an extra effort in adopting positive lifestyle changes to lower your risk of diabetes and other serious health problems.

Making Your Life That Little Bit Better

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Making Your Life That Little Bit Better

There’s always room for improvement in life. So, if you’ve decided that you want to be that little bit happier each time you wake up in the morning, now is a better time to start than ever! Leading a better quality life is more fulfilling and will leave you feeling more content. You will be able to enjoy your life to the utmost and minor problems won’t seem all that bad. So, what can you do to improve your quality of life? Here are a few ideas to get the ball rolling:

Wave Goodbye to Unhealthy Habits:

We tend to get entangled with unhealthy habits, as we find engaging with them enjoyable or pleasurable in the first place. We get some sort of immediate benefit from unhealthy substances and continue to engage with them as a result. But over time, they can prove significantly detrimental to our overall health and well being. The good news, is that there are ways to kick unhealthy habits. You can:

  • Quit smoking with nicotine replacement products.
  • Combat excessive alcohol consumption with men’s sober living.
  • Tackle obesity with a balanced diet and exercise regime.

These are just a few examples derived from common bad habits that people have. But, whatever your unhealthy habit may be, it’s time to wave goodbye to it!

Assume the Best in Others:

Many of us spend time ruminating on others’ wrongdoings and negative experiences that we have had with other people in the past. Betrayal, deception, and other harsh acts can make us skeptical of others and their intentions. This, in a way, can help us. We are less likely to be caught off guard or hurt. But, at the same time, we can find ourselves cutting off potentially positive relationships because we assume the worst in someone who has given us no reason to doubt them. So, start assuming the best of others. It will open you up to better and more rewarding relationships and provide you with a more positive mindset.

Pick Up a New Hobby:

So many of us waste hours on end scrolling through social media feeds and yearning for the fun filled lifestyles that others seem to be leading. But, this is counterproductive. Instead, why not get out there and actively engage with something that you genuinely enjoy? You could put your spare time to much better use. Pick up a hobby. Choose something that appeals to you. Common hobbies include:

Not only can having a hobby provide you with something stimulating and rewarding to do, but it can expand your social circles, putting you in touch with others who have similar interests to you.

These steps may seem relatively basic. But, it’s definitely worth putting a reminder out there. Following the above advice could help you to live your life to the utmost and wake up with a smile on your face!

Featured Image By: Pexels

Introduce These Basic Ideas To Help Your Health

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Introduce These Basic Ideas To Help Your Health

We all want to have better health, but we don’t all have the time to commit to the many programs and plans that come up when we look on Google for help. Another problem with these ideas, is that there isn’t a one-size-fits-all approach out there, because we are all different and experiencing different things.

Someone who has struggled with weight might need to address underlying mental health problems, while another person who has got caught up in drug addiction will need therapies that use things like methadone, buprenorphine, and naltrexone to help them get back on track. And that is all important to remember whenever someone promises you a quick fix guide. What we are going to look at is the basics. Health is a spider web and you could be on any strand. But, every web has to start somewhere and that is what we are going to look at:

Exercise:

The big E-word. It can strike fear into some people while lighting a fire under others. For a basic idea instead of a quick fix, we are going to turn to medical science for help rather than the million YouTube videos of a guy in a gym making false promises. The Mayo Clinic recommends that we should all get a minimum of 150 minutes of moderate aerobic exercise and three days of strength training per week. That means with a little over three hours worth of working out, you can be doing what you need to do for a healthier lifestyle.

What do they mean by these terms? Well, aerobic exercise refers to the type of workout that gets your cardiovascular muscles working such as running, swimming, cycling, and even brisk walking. Strength training looks to use resistance to improve your skeletal muscles with exercises such as push-ups, squats, and lunges. So there is plenty of wiggle room for you to create a routine that suits your needs and nothing that asks you to start lifting weights like an Olympian.

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Photo by geralt from Pixabay

Diet:

Another area of life that we all struggle with is a healthy diet. It can be quite cruel to tell someone who is having difficulties with their weight about a fad that will help them meet all their aims, partly because they are either short term fixes or just not going to work. No, instead you should focus on getting a balanced diet of the six nutritional food groups that your body needs to operate. These are:

  • Carbohydrates
  • Proteins
  • Fats
  • Vitamins
  • Minerals
  • Water

There is a good chance that at some point someone has told you to cut out one of these or increase another. But, the truth is, that your body needs them all in a balanced way to ensure that you are getting the energy and immune system support you need. Once again, this should provide you with the base of an idea to build your own diet from so that you are in control of what you are doing.

While it is easy to turn to Google to find all of the answers to your questions, it is always best to speak with a medical professional to get the help that you might need to start improving your health today.

Featured Image By: geralt from Pixabay

Lacking Motivation For Your Blog? Get Your Mojo Back!

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Lacking Motivation For Your Blog? Get Your Mojo Back!

Hi! Maintaining a blog is hard work. Creating content, staying relevant, and letting your presence on social media platforms be known can be a daunting task. With so much to do, it’s easy to throw in the towel – especially if you’re lacking motivation or are suffering from a case of writer’s block. So what can you do to get your mojo back, baby? So glad you asked!

Create A Schedule:

My writing schedule is crucial to the maintenance of my blog. I am such a schedule oriented person and if I falter from that, my day just seems off. Because I post new content daily, I write my next pre-written article around eight or nine every morning. This works for me. But, you need to create a schedule that works for you and stick with it. This could mean writing every other day or once a week. Create your schedule and let it be known on your blog when new content will be posted, which will hold you accountable.

Treat Yoself:

The reward system is a great way to gain some motivation for a blog post. I do this as often as I can afford! If I’m hankering for a treat for myself, I think of it as a new article on my blog. This could be a swatch post with the lipstick you just bought or an OOTD with the clothes that you couldn’t pass down at your favorite store. We’re only human, and sometimes we need a little incentive to do what needs to be done. With a reward, you get something new along with something to talk about on your blog. Just spend wisely, please!

Enjoy Yourself:

Blogging should first and foremost be fun. If you’re genuinely struggling to write and it seems more like a chore than a pleasure, then there is no shame in taking a break. Don’t beat yourself up about it and get back on the horse when you’re ready. The blogging community is a supportive one and we will be so happy to see you upon your return.

Of course, there is something to be said for just powering through and creating content despite not feeling good about it. And, sometimes, this can be really helpful. Once the juices start flowing a few articles in, you’ll wonder why you ever stopped at all. This is my preferred method of dealing with a lack of motivation and I always find myself feeling better after I’ve sat down and written something for my readers.

Open Your Eyes:

Writing is all about finding something that excites you during your day to day life. Whether it be the gorgeous floral arrangements at the market or taking a brisk hike through the woods, find what gives you that little spark and hone in on it. What did you feel? What were your surroundings like? The noises? The smells? Take note of it and create from there. When I’m out and about, I am constantly scanning what’s around me, because an idea for a blog post could be there if you know to look for it.

Motivation makes all of the difference when it comes to maintaining your blog and hopefully this post gave you some inspiration to keep the ball rolling! 🙂

How do you stay motivated as a blogger? What do you do when you have a case of writer’s block? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Featured Image By: TeamBonding