CLICK LINK TO READ>>>> What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s:
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Sunday, January 19, 2014
WELLNESS TIP IN YOUR 40's AND 50's: Pay off the house. The last thing you want to do is enter retirement with a mortgage payment. Make it a goal to be done with house payments before you retire. One option: Make half a mortgage payment every two weeks—you’ll end up making one full extra payment every year, which will slightly accelerate your payoff schedule. “It puts you in a position to have very little or no housing costs outside of your property taxes,” Kirkpatrick says. - What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s
WELLNESS TIP IN YOUR 40's AND 50's: PRIORITIZE RETIREMENT. Funding your living expenses in retirement should be your most important goal right now, but a lot of people get distracted by college bills—and the feeling that you’re doing well, so you don’t have to save so much toward retirement. “People are not realistic,” Lyons Cole says. “They don’t understand that you can’t write a check to your kid’s college unless your retirement is really, truly on track.” You should be saving at least 15% of your income toward retirement—and more if you can swing it, she says. Ideally, Lyons Cole would like people to be putting 25% away overall, including retirement, emergency, and general savings. - What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s
WELLNESS TIP: IN YOUR 40's AND 50's: Curb overspending. “One of the temptations is to keep up with the Joneses and to outsize our lifestyle and go incrementally higher and higher on what we buy,” Kirkpatrick says. “That’s human nature, but this is an opportunity for you to lock away a significant amount of wealth, which puts you in a better position to leave the workforce earlier.”- What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s
WELLNESS TIP: IN YOUR 30's: Continue Saving. Keep socking it away. You’re probably making exponentially more now than you were 10 years ago, but that means you should be saving more—for retirement!—not treating yourself to all the luxuries in life. “We get to our 30s and suddenly we’re making money, and we’re like, ‘I deserve a nice car,’” Lyons Cole says. “Be conscious of that psychological effect. Sure, you deserve a nice car, but that car doesn’t have to be a BMW.” If possible, use this decade to bump your retirement savings up to at least 15% of your income. - What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s
What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s: "Keep socking it away. You’re probably making exponentially more now than you were 10 years ago, but that means you should be saving more—for retirement!—not treating yourself to all the luxuries in life. “We get to our 30s and suddenly we’re making money, and we’re like, ‘I deserve a nice car,’” Lyons Cole says. “Be conscious of that psychological effect. Sure, you deserve a nice car, but that car doesn’t have to be a BMW.” If possible, use this decade to bump your retirement savings up to at least 15% of your income."
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WELLNESS TIP ON YOUR CAREER: IN YOUR 30s: Tackle debt. You may have the income now to really attack any student loans or credit card debt that may be lurking. Don’t just pay the minimums and keep those balances for decades. Get aggressive and knock out high-interest debt now, since later you’ll probably be balancing saving for your own retirement and for college if you have kids. - What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s
CLICK LINK TO READ>> What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s: "Don’t check out. “A lot of women off-ramp and stop working for five to seven years,” Caprino says. “That’s incredibly challenging. You’ve just gotten off a competitive track.” If you can, don’t fall out of the workplace entirely when you have children. Find a way to keep your hand in the pot—working part time, freelancing, consulting, job sharing—so you keep your skills fresh and maintain your contacts."
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WELLNESS TIP ON CAREER MANAGEMENT IN YOUR 30's: Watch for opportunities. Don’t sit at one company for five years without checking in with the outside world. “No matter how much you love your current job, you should be interviewing,” Caprino says. “Literally, you should be interviewing two or three times a year.” That ensures that you’ll be aware of both your worth in the marketplace and of great job openings—which could come with a corresponding title and pay bump. - What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s
CLICK LINK TO READ>> What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s: >>>> "Volunteer. Want higher pay and more responsibility? Show your company that you’re ready for it. Look at where the gaps are in the company and offer to spearhead a new project, or volunteer in another division. Do something to demonstrate your capability and your readiness to take on more. “For a lot of us, we get comfortable and we wait for a boss to tap us and say, ‘You’re being promoted,’” says Kirkpatrick. “It takes a lot of energy to get out in front of it, to be proactive about asking for that next piece of responsibility.”"
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WELLNESS TIP ON CAREER MANAGEMENT IN YOUR 20's: Save like crazy. In the early years, life is relatively uncomplicated, financially at least. You may not have kids or a mortgage or aging parents to divert your attention—but that doesn’t mean you’re diligently saving for retirement. “For a lot of people, this stage means spending,” says Stephany Kirkpatrick, CFP®, and director of financial planning for LearnVest Planning Services. “We buy cars, take trips, we get a housekeeper for the first time. But that shouldn’t come ahead of saving enough to get your 401(k) company match.” Key goals right now should include putting enough aside in your employer-sponsored retirement plan to get any company match, and socking three to six months of living expenses in a savings account for emergencies. Your future self will thank you. - What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s
CLICK LINK TO READ: > What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s: "Take charge. If a higher-up spot opens up at your company, are you in the running for it? If not, why not? “You should be meeting with your supervisor regularly, and you should have a development plan in place,” Caprino says. “There should never be a blindside.” In other words, if there are issues that would prevent you from getting that next promotion, you should be aware of them and working on solving them."
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WELLNESS TIP ON YOUR CAREER: When You’re in Your 20s >> Have a plan. Out of college, it’s tempting to take the first job that comes your way. But one of the keys to work achievement is finding a career that makes you want to show up on Mondays. “From the first job you take, have a career strategy,” says Kathy Caprino, president of Ellia Communications, a career and leadership coaching company. “That can morph, that can be very malleable, but understand what your passions and talents are, and try to craft a career that’s aligned with that. - What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s
CLICK LINK TO READ ARTICLE: What Are Your 'High-Earning Years'? Pay in Your 20s, 30s and 40s: "Consider your industry carefully. The differences in men’s and women’s numbers in PayScale’s analyses was largely driven by job choice. According to PayScale’s results at least, “Men tend to go into engineering, computer science, management roles and director roles more so than women, and those jobs see fairly consistent pay increases year in and year out,” Bardaro says. Maybe there isn’t a higher-paying career choice that lights your soul on fire, but if there is, you’d be foolish not to pursue it over another option.
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Saturday, January 18, 2014
WELLNESS TIP: LIGHT THERAPY CAN BEAT JET LAG AND MANAGE SLEEP SCHEDULE: Using light therapy will affect the production of melatonin in the body. Melatonin is a hormone produced by the body during darkness and is broken down during daylight – and its presence or absence effectively causes you to feel sleepy in the dark and awake in the sunshine. An intense application of light is thought to ‘reset’ the body clock by suppressing the production of melatonin – thereby keeping you awake during the daytime at your destination. Some people have been able to avoid, or at least minimize the effects of, jet lag by using light therapy – so why not try it?" - Light therapy | Four Alternative Ways To Beat Jet Lag - Yahoo She Philippines
WELLNESS TIP: AROMATHERAPY CAN BEAT JET LAG. Use essential plant oils to dab on your wrists, temples and feet. Some of these essential oils – such as those containing grapefruit, cardamom and rosemary – are stimulating, and help to keep you alert and refreshed if you need to stay awake. On the other hand, some of the oils have calming, sedative properties – such as those containing lavender and mandarin – which can be used to aid relaxation if you’re having trouble sleeping during or after your flight - Aromatherapy | Four Alternative Ways To Beat Jet Lag - Yahoo She Philippines
Friday, January 17, 2014
WELLNESS TIP: Avoid Wasting Time Feeling Sorry for Your Self...
CLICK LINK TO READ FULL ARTICLE > Mentally Strong People: The 13 Things They Avoid - Forbes:
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Wednesday, January 15, 2014
Childless couples are happier with their relationships - New research from Open University in the UK finds that couples without children are more satisfied with their relationships than couples with kids. In a study of more than 5,000 adults, findings showed that childless couples have happier marriages and feel more valued in their relationships, reports The Guardian. But researchers also found that women without children were the least happy with their lives overall, whereas mothers were happier than any other group, even if they had troubles in their relationships. Yet fathers were twice as likely as mothers to report a lack of sexual intimacy as the biggest problem in their relationship. Findings also showed that important factors in keeping a relationship healthy included saying thank you and giving compliments. - Yahoo She Philippines
CLICK LINK TO READ ARTICLE: Childless couples are happier with their relationships: study - Yahoo She Philippines:
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WELLNESS TIPS TO FIGHT CANCER: Eat Tomatoes. Lycopene (which has a higher presence in cooked tomatoes than other red fruit and vegetables) interrupts cancer's ability to connect with and attach to the blood supply. The study at the University of Portsmouth, published in the British Journal of Nutrition, suggests that getting a sufficient amount of lycopene could intersect the growth of cancer. - 5 best foods for men - Yahoo She Philippines
WELLNESS TIPS TO FIGHT PROSTATE CANCER: Eat Tomatoes Tomatoes are considered to have anti-cancer properties, mainly due to their antioxidant content, but more specifically, their lycopene content. This type of carotenoid is what gives tomatoes their colour, but one laboratory study has shown that lycopene (which has a higher presence in cooked tomatoes than other red fruit and vegetables) interrupts cancer's ability to connect with and attach to the blood supply. The study at the University of Portsmouth, published in the British Journal of Nutrition, suggests that getting a sufficient amount of lycopene could intersect the growth of cancer. - 5 best foods for men - Yahoo She Philippines
WELLNESS TIPS FOR COUPLES: Natural Family Planning (NFP) or “fertility awareness does not use any medications or devices. Combine the 3 Methods for Effective Result: 1. CALENDAR METHOD Acquaint yourself with your menstrual cycle. Record the first day or Day 1 of your cycle every month for at least 6 months. This will give you an idea of the length of your monthly cycle. Take note of the longest and the shortest cycles. From the longest cycle (eg. 35 days) subtract 11 (answer=24). And from the shortest cycle (eg. 28 days) subtract 18 (answer = 10). You are only fertile one day, or more specifically, 12 hours, each month. It can happen anytime from Day 10 to Day 24 of your cycle. If you want to start your family early, have sex during these fertile days. On the other hand, if babies aren’t in your plans for the next few years, then avoid each other on said days. 2. BASAL BODY TEMPERATURE METHOD Take and record your temperature by mouth every morning before you get out of bed. You will notice a steady, constant daily temperature around 36.1 C to 36.4 C. Then, one day, you will note an increase in temperature to around 36.8 C to 37.1 C. This means you have already ovulated. The temperature will stay in the 37 C level until you get your period again. At that point, it will go down again to the 36 C level. If you achieve pregnancy during this cycle, your temperature will remain elevated indefinitely. 3. CERVICAL MUCUS METHOD The last of the fertility awareness methods is probably the easiest to follow. Take a sample of your vaginal discharge every day. Familiarize yourself with the consistency because it varies depending on the day of the cycle. On the days that the discharge is clear and slippery, those are the days that the sperm can swim all the way up and meet the egg and achieve a pregnancy. While on the days that the discharge is thick and clumpy, the sperm will be trapped and will not be able to meet the egg and no baby will be formed.- CONTRACEPTION 101: What you need to know about fertility awareness (Part 1) - Yahoo She Philippines
"75% success rate. Combining all three methods and using them correctly and consistently produces a 75% success rate in controlling your family size and properly spacing the interval between each child to adapt to your family’s needs." READ THE ARTICLE AT: CONTRACEPTION 101: What you need to know about fertility awareness (Part 1) - Yahoo She Philippines:
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Friday, January 10, 2014
WELLNESS TIPS ON HOW TO LOSE WEIGHT: TRANSFORM YOUR HOME INTO HEALTH SPA. HERE'S HOW: "Minesweep for calorie bombs. Banish any "risky," fattening or unhealthy foods from the house. Control your environment. Don't be a disorganized eater. Stock your home (and office) with delicious, healthy foods, such as with batch recipes; piles of clean, chopped, ready-to-grab fruit and veggie dishes and snacks; and delicious yogurts and dips. Hit the ground running. Start every day with physical activity. Don't even think about it! Before checking email, taking phone calls or applying make-up, get out the door for a walk, jump on your home treadmill, go to bootcamp or go to the gym. You can also start the day with yoga — I believe in yoga for providing strength, balance and flexibility, and at a lower cost than many gyms. Eat breakfast every morning. You should eat breakfast, preferably at home, so you're not tempted by the bagel-the-size-of-your-head at the office. Skimping on breakfast usually backfires and causes over-eating later. Eat light at night. At nighttime, you want to consume fewer calories than you would early in the day. Soup is ideal for helping you feel satisfied with fewer calories, so you don't go to bed feeling too full and can wake up hungry for a good breakfast in the morning. Sleep at least seven to eight hours, nightly. Study after study has shown that sleep disturbances are correlated with weight problems. It takes a village. Spend your time with like-minded people and avoid people who will sabotage your goals. This is an important feature of being at a spa, one reason being there makes achieving weight-loss goals so easy. If your spouse or friends are not on board, it will be difficult to stick with any plan.- 7 Simple Steps for a Post-Holiday Health Detox - Yahoo She Philippines
CLICK LINK TO READ FULL ARTICLE > 7 Simple Steps for a Post-Holiday Health Detox - Yahoo She Philippines:
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WELLNESS TIPS ON HOW TO REACH YOUR GOALS: Make a Story of Your Future Now! We want to do good things with our money because doing so helps us lead the lives we want. This more real version of Mad Libs, taken directly from Alexa’s book, will help you bring your longer-term goals into clearer focus. Just fill in the blanks with your ideal life. Fill in the Story of Your Future. Example: It’s a Wednesday in June and you’re 65. Fill in the blanks to craft your future life: I wake up at __ a.m. I live in ____, and I’m happy to be here because ____. I spend my morning ____ . Then it’s off to ____, where I ___. In the afternoon, I____. Throughout the day, I spend time with ____, _____ and ____. As the day winds down, I _____. And remember, there are no right or wrong answers. It’s your life and your goals—and there’s no better time to get started.
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