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Whatever Happens, Don't make any Cash Advances From your Credit Card

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If you have a credit card with a high credit limit and cash advance provision, you should read this post and be on guard for the pitfalls of withdrawing cash from your credit card.   If you think your credit card is your ally in times of emergency you are totaaaaaaalllllllllllyyyyyyyyyy wrooooooongggg, dear.  I also had the same idea before I realized my credit card was a fancy loan shark.  Like a loan shark, I ended up paying 20% of the principal amount to my credit card company.  Horrors of all horrors. Call me ignorant and a fool, but I was really taken hook, line, and sinker.  Don't get me wrong.  I am thankful for the times that I could use my credit card in times of emergency, but as a credit card owner and considering that I pay a membership fee of 1,600 per year, I thought that I have to maximize the use of my credit card, and loaning from it is a service that I can avail of, until I learned that it is a very unbeneficial privilege. If I don't ...
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How to Get Shiny Hair using Coconut Milk

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One of the things that women agonize about is their hair.  They take pains in keeping it shiny, soft, clean and smelling good.  They would go to any lengths just to find that perfect shampoo and conditioner that will match the nature of their hair.  They even go to a hairstylist regularly, paying lots of money just to keep that mane in perfect condition.  Many women envy other women who have gorgeous locks that attract the opposite sex.  Let's admit it, some men really do get attracted to ladies with nice, well-maintained hair.  Somehow it adds to the total appeal. And we all know of course how shiny, healthy, no-misplaced-strand hair enhances the appearance of ladies.  This obsession with great-looking, head-turning hair has made shampoo production a major industry as far as beauty products is concerned.  I have heard various stories regarding the magical effects of coconut milk to a woman's hair.   According to regular users th...
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5 Things To Do Upon Waking Up in the Morning

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People have different rituals when they wake up in the morning.  Some would do some stretching on the bed, others would immediately wash their face and gargle.  Others would say their prayers, while others  would instantly prepare their favorite coffee to warm them up.   Each one of us have different practices mornings and it all depends on our values and things that we have been used to doing.    I do have my own morning traditions.  I have done these as far as I could recall.  Here are the most common ones and why do I do them. 1)   Say my short prayer -  It's a personal prayer that I created and  it asks for guidance, expresses gratitude for the blessings and I say prayers for other people also.  Occasionally, I mention people that really need prayers: sick friends, parents, family members, etc.   The power of prayer should not be underestimated for faith can do a lot to the believer.  A tiny seed of faith ...
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