On Health Tips: Protecting Your Skin From The Sun

It’s been awhile since I’ve posted  On Health Tips here. I do miss posting a health tips, household tips etc. But  I got  so busy with my job plus the tragedy that had happened to our family. I always feel tired at night lately. So,  I had no chance to write a post. Anyway, I can really feel the summer breeze and the fun in the sun. Let me tell you first about THE SUN AND YOUR SKIN - The sun’s rays contains ultraviolet radiation that can damage our skin. Ultraviolet A (UVA) is primarily responsible for premature aging, wrinkles, and tanning, while ultraviolet B (UVB), known as the “burning” ray, causes sunburns. Both types can severely damage the skin and can cause skin cancer. There is no “safe” UV rays.

Here’s how to be sun smart! that I learned from my Dermatologist

Generously apply water-resistant sunscreen

With a Sun Protection Factor (SPF) of at least 15 that provides broad-spectrum protection from both ultraviolet A (UVA) and ultraviolet B (UVB) rays to all exposed skin. Re-apply every two hours, even on a cloudy days, and after swimming or sweating. Look for AAD SEAL OF RECOGNITION on products that meet this criteria.

Wear protective clothing

Such as a long-sleeved shirt, pants, a wide-brimmed hat and sunglasses, where possible.

Seek shade

When appropriate, remembering that the sun’s rays are the strongest between 10 a.m. and 4 p.m. If your shadow is shorter than you are, seek shade.

Protect children

From sun exposure by playing in the shade, using protective clothing and applying sunscreen.

Use extra caution near water, snow and sand

As they reflect the damaging rays of the sun which can increase your chance of sunburn.

Get vitamin D safely

Through a healthy diet that may include vitamin supplements. Don’t seek the sun.

Avoid tanning beds

Ultraviolet light from the sun and tanning beds can cause skin cancer and wrinkling. If you want to look like you’ve been in the sun, consider using sunless self-tanning product, but continue to use sunscreen with it. 

Have a fun weekend and enjoy the sunny weather everyone!

Repair Your Bad Credit

Are your credits ruined because of unexpected circumstances  and recession? When you  have a bad credit everything around you is affected.  It keeps you from buying any important things like a car, a boat and even to get a new home. Having bad credits tied you up in anything that you want to do especially here in the U.S where good credit is a main thing. Most important is that hospital won’t take you anymore. A low or bad credit here can cost you hundreds or even thousand of dollars per month.

A best example is my hubby’s credit. It got ruined because of our sky-rocket medical bills. I remember last year he tried to get another car  but the car dealer turned him down. So, he decided to seek for credit repair services. We researched together and found  a few in the Internet. But he chose to use DSI Solutions, my hubby said to me “ I feel that  they can help me fix my credit. Well, I trust him with every decision that he makes.

I Lost A Mother Again :(

At the age of 11, I lost my dearly biological mom caused by Aneurysm. I can't tell in one word how hard it  was growing up without her. In an early age I experienced all the responsibility of being a mother to my youngest sister whose only 8 months old and my 2 youngest siblings at that time. My father re-married again after a year. My  life with my younger siblings was like  a Cinderella Story  ending up to have a  wicked step-mother. 

My Mom and Dad Wedding. I had this since high school after saving it from the big typhoon that hits down our house.  I am the only one who has it in my family. My hubby and I will bring it to the photo center for reprocessing and have it frame because he wanted to give it as a surprise gift to my  my siblings.

Since then I always yearning for a mother's  love and affection that I found when I met  mommy Betty. In a short period of time she filled that part. I never thought that she will left me soon too. She went to bed at 12 midnight   and gone at 1:00am Thursday April 22, 2010 of  "Massive heart attack..  In the brighter side, I felt so lucky to have a wonderful  and  so loving mother in law like her that I never had. I remembered the time she saw me getting ready for our wedding. She was crying, and crying it seems that I am her own daughter. This is just some of unforgettable memories with Mommy. In more than 2 years that I've known her, I had a lot of memories to cherish for the rest of my life. 

In this photo. She was still in tears...tears of happiness for having me as her daughter in law she told my hubby that makes me so flattered about.

Even in the last few days of her life, Mom always thinking of my daughter and me. She bought  a stuffed puppy animal ( for my daughter) and a penguin figurine (for me) . She knows that I do  love penguins. She told me about this surprise  when we talked last week. Mom thank you for this, you know that I will cherish it. Thank you Mommy for everything especially for loving me and my daughter like your own.

Mommy's last  gift to me that she suppose to give this coming mothers day. It's not going to happen now.

 

Today is mom's wake. For sure it is a long day for all of us, the very last time that we all going to see her. Monday is the funeral and that's it. Tell we see each other again someday Mommy. You know how much I love you and the rest of the family. You'll always be remembered and loved for the rest of our lives. 

My words to all. Cherish the people around you especially your  wife/hubby and family.   "Life is too short". Tell them that you love them not only in action but also in word. Sometimes they love to hear it more than just to show it. Give your family a hug, kiss and tell them that you love them before it's too late because you'll never know...It happened to my hubby, he didn't get to talk to Mommy since we came from the Cruise though I always remind him to call her. Regrets? yes he has it but it's too late now. 

Have a Blessed  and Safe Weekend In Advance To All! I  Love You  All!!!!

Proudly Made By Pinoy (Filipino) Chefs

Here are some of the photo's that I took after the night of Farewell Party Dinner.  Featuring Pastry, Chocolate, Ice, and Fruit carving displays.  I am so proud to say that all this amazing  arts are made by a Filipino Chefs. I've talked one of  them, he said that the 3 Filipino Chefs who made this all are from  Paete Laguna., Philippines.  Paete Laguna is one of the provinces in the Philippines and they're famous in making wood carving as one of their source of  income.

Flowers made of fruits and veggies

Fish ice carving

my favorite one, isn't it so beautiful? It looks like real birds in person

so neat, I love this one too. It is made of watermelon and mange fruits

 

more photo's in my Facebook :)

Muni Rates: The Two Schools of Thought

Municipal bonds are considered one of the best types of investments for high tax-bracket investors because of its low-risk factor, high rates of return and tax-shelter features. With a tumultuous economic situation, what has happened to muni rates and are these investments still as good as was the case in fatter economic time? The answer to these two questions has erected two schools of thought.

'''Muni Rates School of Thought #1'''

The first school of thought has financial experts arguing that now is the perfect time to buy municipal bonds. While pricing is not as high so far in 2010 as the muni rates were in 2009, this line of thinking is that the muni rates can only go up from here.

'''Muni Rates School of Thought #2'''

The second school of thought argues that now is not the time to buy municipal bonds. Financial experts speculate that muni rates and the muni situation in general is at too much risk at the moment. Speculation is also unclear as to how much the muni rates would need to increase in order to improve the municipal bond purchase outlook for investors to jump back in the game. Minor increases in muni rates are welcome, but would have very little impact, and would not indicate that all is well with the financial markets.

'''Where the Divide Ends'''

While the two school of thoughts diverge on whether muni rates warrant the risk involved in investing in municipal bonds, the two schools do agree on one point. Both schools believe that investors need to be very careful when choosing which municipal bonds to invest their money in because default rates on municipal bonds west record highs in 2008 and 2009. The default rate, however, was under one percent, so it’s still a much less risky investment than some of the other options out there.

Using Levitra

Levitra (vardenafil) is a drug used by men with erectile dysfunction (ED). It enables a return to sexual activity by increasing blood flow to the penis, helping enable and maintain an erection. The drug is prescribed by a medical doctor after an examination. While users may be tempted to do so, Levitra should not be shared with others suffering from the same condition.

The average dosage for most men is 10 mg; however, some may need less while others might need the maximum (20 mg). The determining factors when it comes to dosage are body weight, health status, and medication being taken for other conditions. If the dosage given is not producing the desired result, users should speak to their doctors and not attempt to change the dosage themselves.

How to Use Levitra

It is important to follow the directions of a medical doctor when taking Levitra. General guidelines for using Levitra are:

• The tablet should be taken a minimum of 25 minutes prior to starting sexual activity. The time the drug starts working varies from person to person, with some reports indicating as little as 15 minutes. However, the average time is 25 minutes for most men.

• Never take more than one dose per day.

• Avoid alcohol to minimize the risk that the drug won't work as it should. In addition, drinking alcohol with Levitra can cause a lowering of blood pressure, and dizziness and fainting can occur.

• Levitra can be taken on an empty stomach or with food.

• Avoid drinking grapefruit juice when taking Levitra as it can increase the levels of vardenafil in the body. Vardenafil is the actual name of the drug that treats the problem.

Levitra, like other drugs containing vardenafil, has proven to be effective for treating many cases of erectile dysfunction. Men using the drug should consult their doctor if they experience side-effects.

Kids Clothing With Sensibility and Style

Your kids probably love fashionable clothing just as much as you. And there is a big selection of kids clothing out there with a wide range of prices and styles. Make sure you balance style with comfort. With all the choices, you and your children will be able to take personal taste and combine it with parental attributes to come up with choices that are pleasing to everyone.

Choose comfortable kids clothing. It may be tempting to buy the latest fashions, but comfort should come first. If it’s not comfortable or ill-fitting, your child will probably not want to wear it. The type of fabric chosen is also important. Cotton is always a good choice for year-round wear. And fleece and soft wools are wonderful winter choices for kids clothing.

As much as your child wants to be “grown up,” it’s important to purchase "age-appropriate" pieces. Clothing styles that fit the age will ensure that your child feels comfortable as well as giving you peace of mind. You certainly wouldn’t send your teenager out with that adorable bonnet you saw perched on the head of an infant, nor should you send your teenager out in something that may be too mature for him or her.

Correct sizes are also important when selecting kids clothing. Clothing that fits your child’s particular body type is particularly important. Try not to accentuate a few extra pounds or perhaps a recent growth spurt. And you can also choose kids clothing that suits hair, skin, and eye color of your child.

Provide your child with a sense of independence but allowing him or her to select a few pieces of inexpensive fad clothing. This will let them wear “what their friends are wearing” while giving you the final say.

Scott Kay Creates Pieces of Art

The Scott Kay brand is best known for its use of platinum. Scott Kay and his collections are considered leaders in the resurgence of platinum usage. Both the artist and the company have received numerous awards, including high praise from the prestigious Platinum Guild International.

Currently Scott Kay has turned his design direction toward the use of palladium for his ring collections. In a recent interview Scott Kay stated, “Palladium is natural, it’s hard, it’s white, and it’s hypoallergenic. It’s not as dense as platinum or gold and that’s a good thing. If platinum was 40 percent less dense, it would be more precious to the jewelry industry, because as it is, you can’t make earrings and bracelets out of it.”

Scott Kay strives to get buyers to become collectors of his pieces, which he considers art. In fact, he recently opened his flagship store in an undisclosed location in New York City. Called SK66, this store will not be open to the public and is available by invitation only. Says Scott Kay, “'SK66' is my highway to life and was created from the initials of my name, birth date month and day. One-of-a-kind designs and fine jewelry artistry that is near and dear to my heart will be shown. SK66 will mirror a dedication to an atmosphere of beauty, fine art, culture, and heritage.”

Historical items from around the world will surround invitees and guests to the store. Scott Kay wanted his store to be museum-like because of his love for jewelry as well as the fine arts.

Scott Kay has been engaged in jewelry creation for more than 30 years. After attending the Fashion Institute of Technology, he founded his company in 1984. His company philosophy is also that of the company’s: “Never Compromise.”

The Scott Kay collections are available at many fine retail outlets around the world, as well as certain online resources.

The Equity Home Mortgage May Hit Bank Earnings Hard

The equity home mortgage , which is more commonly known as the home equity loan or the home equity line of credit (HELOC), may soon be turning the positive bank earnings figures reported for the first quarter of 2010 to a more negative figure. On April 14, 2010, banks such as JPMorgan Chase, Bank of America and Wells Fargo all reported positive first-quarter earnings for 2010.

While bank bailouts and various stimulus and incentive programs have helped to put banks back in positions to start paying dividends to their shareholders and buying back shares, a big equity home mortgage problem is looming in the near future that could take it all down. As equity home mortgages start to default more and more, this is a problem that is not currently reflected in the bank earnings but is certain to be coming down the pipeline.

'''The Hit of the Bad Equity Home Mortgage'''

A New York research firm by the name of CreditSights recently released its findings from an analysis it did on the four biggest banks in the U.S. including Bank of America, JPMorgan Chase, Citigroup and Wells Fargo. CreditSight predicts that the banks may need to start saving their assets to the tune of about $33.2 billion in addition to current asset holdings in order to cover the losses that are about to hit from the losses incurred by equity home mortgage loans going bad. According to Amherst Securities Group, which is a firm that analyzes home mortgages, the four banks currently hold $442 billion of the $1.1 trillion in equity home mortgage loans in the country.

JPMorgan Chase indicated earlier this year that the quarterly write-offs for bad equity home mortgages could hit $1.4 billion. JPMorgan Chase has already written off $1.1 billion in bad equity home mortgages in the first quarter of 2010, but the CEO still cites that the rest of the year is uncertain.

My Travel Tip Talk: First Time Cruiser Like Me?

It's been awhile since I posted my last tip talk about travel. I want to share to all of you the things that I've learned and also tips from the expert cruisers.  We all know that choosing the right vacation is not always easy.  But if you’ve been thinking about a cruise  Here are something you should know as a first cruiser.

THE LENGTH OF CRUISE YOU SHOULD TAKE

Cruise vacations comes in many lengths, spanning the globe. Most experts say it’s a good idea to take a cruise of at least seven days for maximum relation.

PLACES YOU SHOULD CRUISE

Young couples and families with children often opt for the Caribbean or Alaska, European cruises, the Mediterranean, Baltic and Far East are popular with 50-plus travelers who have a little more time available because the voyage is longer.

SHIP YOU SHOULD CHOOSE

Cruise ships comes in all shapes and sizes, from 3,000-passenger vessels to more intimate ships that carry less than 100 people. Large cruise ships have more entertainment, activities and dining options, while smaller vessels offer a casual atmosphere and often visits ports that larger vessels cannot enter.

THINGS YOU SHOULD PACK

Many cruise ships now feature a more relaxed and casual approach to dress throughout the cruise, while on others, formal dinners or parties are common place. Attire is dictated by the occasion.

 KIND OF CABIN  YOU SHOULD CHOOSE

If you are on a tight budget and will be out and about most of the time, book an inside cabin. However, expert cruisers feel that an “outside” cabin, with a porthole or picture window, or a cabin with verandah is well worth the money.

TO PAY FOR THINGS

Cruise lines operate on a cashless system in which you sign a receipt for each purchases and settle your account at the end of the cruise with a credit card, cash or travelers check.

THE DINING OPTIONS

On virtually all cruises, meals or snacks are available 24 hours a day. There are formal dining rooms, buffets, pizzerias, poolside, bars, espresso cafes and room service. Most ships offer at least two seatings, and you will be asked for your preference when making your cruise reservation. On many of the newer ships, you can pay a small additional fee and dine in a specially restaurant on-board.

EXCURSIONS

Cruise ships offer a variety of shore excursions to help you make the most of your time in port. A shore excursion brochure will be included with your cruise documents

Summer is in the air and kids vacation is just around the corner. It's about time to plan your vacation. For me cruise vacation is the best vacation that you can do with your whole family especially if you  don't see  and bonding with them more often.  Enjoy! but don't forget to bring lots of swim wear, sun block lotions and 6 pair of dinner clothes :D. Stand by for more of cruise news.

Durable Lockers

Almost 3 years now  since  my daughter and I came here in the U.S.  In a  short  period of time my daughter accumulated a bunch of everything clothes, toys, books and a lot more.  She doesn’t want to let go anyone of them.  Now, I don’t know  how to organize it because her room is lack of dresser.  In one corner of her room, she put most of  her stuff, I don't like it because it look so messy.  So, my hubby and I talked about it last night and we both agreed to just buy  an additional dresser for her.

Today,while surfing  online. I stumbled upon this made of  light solid Oak locker.  I like it because it looks durable, roomy  and the price is not bad.  But of course this kind of lockers is just perfect for like offices, schools and gyms.  As I browsing I see different varieties of designs especially Wood Lockers.  Also they have very nice School Lockers, and  Gym Lockers.

Well, if I have  my way I would like to buy this kind of locker for my daughter’s stuff.  But  since I am not the only one who makes  decision.  I have to wait for my  hubby’s opinion and see if he will going to say okay to it.

Payday Loans

Need to fix your car but you need to pay your rent, pay medical bills, pay credit cards etc.?   I know  it’s tough to keep up all this bills every month. But you need to fix your car so you can  go to work and have money to pay bills right? Still thinking where to get money to have your car fix soon? 

Well, if your online now go search  for MoneyNowUSA. They offer  payday loan that you can use for emergencies. No worries because  MoneyNowUSA is a trustworthy and secure site that real-time encrypts all of your private and personal data, to protect you from identity theft.  Also it is  a multiple lender payday loan search engine 4 out of 5 applicants are approved for a payday loan.

So, what are you waiting for apply now, get your car fix and pay some of your unpaid bills. Remember to only use payday loans in case of an emergency. Only apply and take out one payday loan at a time.  And never take a  payday loan out  if  you are unsure that you can pay it back when it is due (usually by your next paycheck).

The Beauty, Fun And Excitement On-board

Me with one of many masterpiece art creations. Oh boy! I can't explain in just one word how beautiful inside that ship with all nice paintings and elegant statues that you can't imagine every where you go on-board.

 Amazing elevator that I've seen

In front of the amazing elevator. It changes colors every 5 minutes

The Coral Lounge-is one of many bars on-board. This one is my favorite of them all.

I'm modeling  on one of the many elaborate staircases on-board.

This is just one of the shows that we've watched  every night  after dinner with the host who speaks  so many languages. I love to hear it when he start talking in different languages, it's so amazing how he learn those.

 to be continued....

Just Came Back From Our 7 Days Caribbean Cruise

How have you been everyone! Well, me I had a remarkable cruise vacation with my family. I will share more about it later. Surely, I miss you all, I miss my blog and of course I miss blogging. I want to personally thank my  blogger buddies  and friends  who helped me along the way to try to make my daughter win and to those who sent me comments of good wishes for my daughter.  I also want to thank everyone  who is still visiting my blog though I am not around to visit them back. I don’t have much time to put your names here one by one right now. But I know  you in my heart and you know who you are. I really appreciate you guys  very much. Thank you! I need to go to bed now.  Because I have to wake up very early and go to work at 6:30am tomorrow. Vacation is over and I’m back to reality now.  Ciao!

I took this photo before we land at Florida's Airport

My princess baby-sitting the luggage’s (Florida Airport)

At long last I’m back again. I’ve been busy working since we came from the Cruise. Anyway, here’s more of our Cruise photo highlights. We just came in the Cabin and my princess talking to my sister Neri

At the hallway on our way to the dining room to eat dinner

Our 1st dinner onboard (Informal Dinner) 
The new couple in the family :-)

2nd lovely couple (Mike and Donna Slifka).

3rd lovely couple (Mike and Donna DeFazio)

my lovely sis Elise with my princess. she is single but rocking it :D

Daddy and Brittany

see more photo's in my Facebook page later....

Ecco Mailboxes

Are you tired of changing your mailbox year after year? Of course who doesn’t especially if your mailboxes is made of wood or a something that get rusty after a year or so. Why not switching to ecco mailboxes . All Ecco mailboxes are made of stainless steel and have either a metallic painted finish or a sandblasted stainless steel finish. So, you don’t have to worry  of always changing it because it gets rot and rusty. I bet you Ecco mailboxes will save your time and money in the long run.  Also  they have so many designs that you can choice from whatever design you desire. Including in the designs  that they have are ecco wall mount mailbox, ecco mailbox, ecco e4 mailbox ,ecco e6 mailbox , ecco e7 mailbox ,  and ecco e8 mailbox . So, if you have a problem with your old mailbox, echo mailboxes is the answer. Check it out!