The Christmas Gift

Our Christmas gift for the little one is ready and it’s just waiting to be gift-wrapped.  We didn’t have a hard time thinking about it because it’s actually his long time wish.  He would nag us to buy him one every time we go to Toys R Us or every time he sees one on TV.  Oh boy, he’s indeed growing up so fast.  He can now tell what he wants and soon, perhaps, he’d be wishing for more high tech gadgets such as PS3, an iPod and who knows even a laptop.  Have you also observed how kids of this generation have gone so way advanced and techie?

Buy Gold Coins

When you buy gold coins, you make a good and sound decision for your finances. Gold is never a bad investment, whether you buy them for your personal collection or as a means of securing money for yourself in the future. It is a highly valued form of commodity, does not depreciate, and is recognized all over the world.

Compared to paper money, gold does not rely on exchange rates or a particular country’s economy. Because it is also in limited supply and with the possibility that it will become scarce in the future, it is wise to invest in this precious metal. The United States Gold Bureau can help you start with this endeavor.

Donate 5 Books and Get Php 500 Off on a Crocs Pair

Want to score a Php 500 discount on your next Crocs purchase while supporting a worthwhile cause?

Crocs has initiated a month long book drive starting November 19 where people can donate 5 books and enjoy a Php 500 discount on a pair of Crocs. All Metro Manila Concept Stores will join this drive so you can bring the books to any outlets.

The proceeds will be for the benefit of the Children's Joy Foundation, Inc.

For more details, check out the Crocs Philippines Facebook Fan Page: http://www.facebook.com/crocsph

The One Thing You Need Most in Business: Good Cash Flow

Profits are good, but if they're seasonal it can crimp your cash flow on off months. The one mistake new entrepreneurs make in business is not planning for shortfalls in cash flow by locating a business loan option ahead of a cash flow emergency. With insufficient cash flow, your business can teeter on the brink or lose valuable opportunities to expand. Either way, if you plan ahead and learn the ins and outs of proper cash flow, you won't be caught short without enough notice to bridge the gap with emergency loans.

Plan Your Cash Flow

If your business is seasonal, you need to be aware when your cash flow will dip. Save enough to carry you through poor months or have some loan options available so that you can continue to make payroll and keep your doors open. Many companies fell apart during the recession because they could not gain access to conventional credit lines that helped them maintain their businesses. However, there are other alternatives and as a business owner you should know about all of them.

Research Lenders

Take a look at what types of alternative lending is available, in case we have another credit crisis. Merchant lenders can provide a loan based on your credit card receivables, instead of your business credit score or some form of collateral. This can make these types of loans easier to get when other forms of credit dry up.

Stand Ready to Profit

By planning ahead, you will have access to money to help expand your business when an opportunity arises. Maybe you want to fund the purchase of new infrastructure in your business and the government is now offering rebates. If you can't locate the money, the rebate will be meaningless. In cases where you stand to lose more by not taking action than to take action, secure the cash flow so that you have the funds necessary to progress as a business.

A Responsible Driver

I really am blessed to have married not only a loving and supportive man but a responsible driver as well.  You see, the husband drinks once in a while in late night parties and recently, in their late night team building activities with colleagues.  But when he knows that he’s driving after, he controls himself and drinks just enough.  Or in times that we’re with him, he doesn’t drink at all.  He knows that alcohol can change the framework of an individual so he’d rather pass the bottle than put to risk our lives.  How I wish all of the drivers out there think like him.  Unfortunately, many motorists have to learn the difficult way.  They wait that they get involved in accidents first before their senses are shaken up.  They wait for Houston DWI lawyers to bail them out before they realize how serious and dangerous drunk driving is.