Monthly Archives: January 2019

Beauty Tips for a Busy Mom

Moms are said to be superheroes. There are times when they are seen doing so much. They are working in order to earn money, taking care of the kids and the house all at the same time. This is probably the reason why some moms do not give much importance to their appearances anymore. Remember that being busy is not an excuse not to look presentable. Here are some tips for the busy mom:

Photo by Anastasiya Gepp from Pexels

Get a haircut that is fuss free and flattering to your face shape. The hair is truly your crowning glory. It can make or break your whole look.

Never forget to moisturize. Dry looking skin will make you look older. Having a moisturizer will ensure that this will never happen.

Treat yourself from time to time. Going to spas and getting a massage are things that you should do to feel relaxed. Do not stop yourself from going through these things.

With these tips, you will feel more relaxed, beautiful and stress free.

Why Leather Bracelets Make Great Gifts

When it comes to giving a gift for a special occasion, there can be no greater and thoughtful gift than Personalized leather bracelets. There are many reasons why this is so, here are just a few!

  1. Personalized bracelets offer a bit of sentimentality between the giver and receiver. There is a genuine joy when receiving this as a gift and the look on the recipient’s face can bring much joy to the giver as well. Depending on what type of personalization is made, it can be a reminder of a certain aspect or lifestyle that means a great deal to the wearer. They will cherish this gift forever, that can be assured.
  2. Leather bracelets are also quite fashionable. No matter what personalization is made, the bracelet is virtually guaranteed to be a fashion icon. The leather can be dyed literally any color that the wearer likes so it can be matched with any clothing whatsoever.
  3. Even though leather has been around for a long time, there is still something mysterious about it. There is an air of mystery about people who adorn themselves in leather which can be quite enticing.
  4. Personalized leather bracelets are very durable. Anything made from the flesh of animals is bound to last a long time. This is especially true when talking about leather and leather products. The leather bracelet is assured to last a long amount of time. This will be a gift which can even be passed down from generation to generation.

As you can see, there are many reasons why leather bracelets make a great gift. From the sheer beauty or handsomeness of them to the durability of the leather itself, there is no reason to NOT buy a leather bracelet for the loved one in your life.

Tips on Savings and Personal Finance

Repost from my Go Negosyo Newsletter subscription, January 18, 2017

Top 5 tips from entrepreneur Armand Bengco to make that money go-round for a prosperous year!

1) Have a bank account aside from your payroll account

Bengco emphasizes that importance of being present and active in the financial world. Having an account outside your payroll account allows you to build a relationship with your bank. Also, you can assign one account to be reserved for savings and the other for expenses.

2) After a savings account, get a checking account

Bengco recommends getting a checking account because a check is not only in your name, but the bank’s. The bank itself lets you borrow money in their name – this gives you credibility and an even better foothold in the financial world.

3) Savings, savings, savings

Set a percentage of your income that you need to save and stick to it. It doesn’t have to be a big percentage – you can even start with 10%. Savings should be the last thing you touch, so make sure when you’re planning on how much of your income will go to your savings, you’ve already properly allocated your funds to cover all your expenditures.

4) Start investing your money on other things

Bengco shares his personal venture into male vanity in the form of Backalley Barbershop – a way for him to diversify his income. Savings are important but investing allows you to grow and protect your money. Imagine if you only had one source of financial security, like your savings or business. Having a diverse source of income won’t leave you bankrupt at the end of crisis.

5) Insurance is necessary

Insurance today already covers life/living benefits. Before, insurance only had death benefits. But insurance has developed and improved today and among the benefits are paying off debts, unforeseen expenses, and securing your dependents’ futures.

Armand Bengco is the Co-Founder and Executive Director of the Colayco Foundation for Education, Inc., as well as the Co-Founder and General Manager of Kapatiran sa Kasaganaan Service and Multi-Purpose (KSK-SMP) Cooperative. He hails from a family of established financial and investment practitioners. He has a wide experience in personal finance, government, manufacturing, self-employment, and information technology. Mr. Bengco is the host of Global News Network’s Pisobilities at the Business Portal and DZRH-TV’s Pera Pera Lang Yan and Seminar School Plus. A regular also in GMA News TV’s Pisobilities TV Program and radio host in DZXL-RMN’s Pisobilities. He regularly conducts financial seminars and workshops in line with the foundation’s advocacy.