Tuesday, June 30, 2009

Invest In Coins

Investments are a tricky business and require a lot of knowledge, for the most part. They also require a huge capital outlay, especially for real estate, that most of us do not have. Stocks also require quite a large amount of money, and need constant monitoring.

For small investors, mutual funds pool the resources of different individuals in order to invest in stocks, bonds, the money market, securities and more, and are often overseen by a someone who's knowledgeable.

The problem with most investments, whether big or small, is the difficulty in transferring to a different name whenever you want to. It's also difficult to pass on when the investor passes away. Worth considering too is the fact that these are subject to inheritance taxes which slices off a big percentage when that occurs.

That's why it's also worth it to invest in different instruments and to also consider investing in smaller, non-traditional investments like jewelry and rare coins. Of course it's best to get coins from reputable coin dealers like the Monex Group of Companies, who have been operating for 40 years, and not from any fly-by-night sellers who might just give you fake coins and run away with your money.

Sunday, June 28, 2009

Hand Me Down Textbooks

Despite the frequent suspension of classes due to both the weather and discovering cases of swine flu within the student population, the new school year has started, albeit shakily. One of the biggest expenses parents face during this time is the buying of new textbooks. They do get more expensive every year.

If you have more than 1 kid studying in the same school, it would be wise to keep the older sibling's books to hand down to the younger sibling when the latter reaches the same level. Of course this would not apply if (1) it's a workbook and is to be written on (2) the book has a updated edition by the time the younger sibling got to use it (3) the older sibling didn't take care of the book and it's too dog eared already by the time he's through with it. With the last, it might be a good idea to impress upon all your children to take care of their books so that they will last.

I've always used new books when I was studying, mainly because I'm the eldest. My classmates who had older siblings, though, "inherited" a lot of books from their older brothers and sisters in the same school. I think it's a great idea, one that's very practical!

Friday, June 26, 2009

On Pets

I am not a pet person. I firmly believe that if you decide to keep pets, you should accept that it takes a lot of responsibility. It's like taking care of children. You don't want to shortchange your children. Neither would you want to shortchange your pets. I would get good products for my pets like Frontline and to keep their skins and coats healthy. I know there are other cheaper ways to get rid of fleas but I'd rather go for the sure thing to keep my pets healthy.

If you just want a pet but do not want to take care of it and give it the love that it deserves, forget it. It would be better off in another home.

Wednesday, June 17, 2009

Option For Shaping Up Post Partum?

A lot of mommies complain that their figures are no longer the same after having children. I am one of them. Although I did get back to my pre-pregnancy weight rather fast (about 3 months after giving birth -- even without any diet or exercise), my tummy still looks perpetually pregnant.

I wonder if Kettlebell workouts would help in getting me back into shape? It looks like it could, but this is all new for me so I hope somebody could tell me if this really works.

Tuesday, June 16, 2009

Florsheim, Naturalizer & Bossini Warehouse Sale!

Got this from one of my mailing lists. Too bad I can't go...

Enjoy!

Date: June 18 to 20
Time: from 9 to 6 pm

Place: RSI (Retail Specialist, Inc.) Warehouse, 2295 Jannov Building on Pasong Tamo Extension.

Wednesday, June 10, 2009

Weight Watching

Doctors will always tell people to watch their weight because obesity brings about a host of health related problems like hypertension and diabetes, just to name two. I think it begins with proper eating habits that are honed since childhood. We usually grow up to prefer the food that we were used to while growing up. And, if that means that a lot of junk, then it's no wonder that we get more and more stored fat.

Activity is another factor. I do not think I've seen an obese farmer or construction worker. While I am not saying that we should go for these occupations, I would admit that our life nowadays is generally more "cushy" than it was before. If you "plant" yourself in front of the TV doing not much else but press the buttons on the remote, you won't really be burning too much of the food that you are consuming. Worse, you compound the problem by taking in high fat, high carbo snacks while watching TV.

While there are lots of ways to lose weight nowadays, it still is best if you don't put on the weight in the first place. If all else fails, do consult a weight management specialist who will recommend a good diet and exercise program and maybe discuss some diet pill reviews and other unconventional choices with you so that you can achieve your ideal (and healthy weight).

Thursday, June 4, 2009

Not A Shopaholic At All!

I'm looking at today's topic for wifespeaks, and I just could not resist answering this quiz. I know I'm on the "kuripot" (frugal or stingy) side...this probably just shows how much! My answers are in orange, by the way.

Shopping Allowance…
(a) Hubby gives me on a monthly basis…
(b) I save up for my own.
(c) Non-existent.
(d) Depending on whatever’s left in the budget.
Others: I pool our incomes and allot a small weekly allowance for each of us. What we do we with that allowance is our own business. :P

The bulk of my shopping money or “extra cash” goes to…
(a) Bags
(b) Shoes
(c) Clothes
(d) Jewelry
(e) Books (and magazines) -- but not lately
(f) Gadgets
(g) Make-Up
(h) All of the Above
Others: _________

The one kikay item that I can never live without, even if it’s worth my last penny is _________. Can't think of any...not a kikay person! :P

The most expensive kikay item that I have or had, but I think is worth every centavo is ______. Does my Tag watch count? I didn't buy it though, it was a give from my mom :)

The best place to shop for affordable but quality goods is at:
For Clothes/ Bags/ Shoes: SM -- they've got it all!
For Gadgets: Greenhills
For Books: ebay, Books for Less
For Make-Up: Watson's
For Jewelry: Ongpin

If you cannot afford a brand new Louis Vuitton, you will…
(a) Buy pre-owned ones at lower prices
(b) Save up and wait until you can afford it
(c) Swipe the card anyway and think about the bills later
(d) Buy a similar type from the more affordable brand

Who is the bigger spender in terms of shopping?
(a) Me!
(b) The Hubby!
(c) Same

Have you ever splurged on something that was not really worth it? If yes, what item?

Can't thing of anything right now.

Is there any kikay item or any gadget that you are currently saving up for, care to share?

We want an HD video camera and a digital SLR. :)

Are you the type who goes to the mall, and can never leave empty-handed?

No (My husband's lucky!)


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This is my contribution to Wifespeaks: Fab Finds Thursday.

Wednesday, June 3, 2009

Practical Tips in the Kitchen

I am no domestic goddess. I would be the first to say that I do not like doing household chores and I hate the fact that in most cultures, the household chores fall by default to the wife. Well, we can't all like what we're doing. And, whether we like it or not, somebody HAS to do the chores. It's nice that here in the Philippines, we have househelp who can do these for us.

Even if household chores are not my favorite thing, I can proudly say that I can do them. I am not helpless without maids, just inconvenienced. Cooking may not be my favorite pastime, but my mother trained me well and I can cook up family meals even without any assistance. Being lazy about having to cook AND being a frugal, however, has made me develop some tricks that would make it a little easier for me. Here are some of my tips:

  • Save the soup from boiling chicken (for making Hainanese Chicken, for example). You can add asparagus for a tasty chicken asparagus soup, or put in some chicken strips, carrots and milk to make chicken sopas.
  • Invest in nice pots which would also look good on the table. That way, you can serve the dishes in their pots without transferring to plates. Saves you the trouble of having of cleaning both the pot and the dish.
  • Some sauces are good in other dishes. My mother used to save the sauce from Hong Ma or Patatim and use it to make a really good sauce base for bihon. It's also good for cooking kelp and banana blossoms. These are mainly Chinese dishes though, so I don't know if you can relate with me here.
  • Peel carrots, potatoes, and others with some newspaper underneath. This makes for simpler clean ups.
  • Steaming is a good and healthy way to cook. Not only that, it's easy too. You can steam fish or vegetables at the same time as you're cooking some other dish. If you use a rice cooker, nowadays, there's a steaming attachment which you can use at the same time as you're cooking your rice.
  • My favorite pieces of cooking utensils are the wok and the cleaver. They're both very versatile. You can deep fry, steam, boil soup, saute...just about anything in the wok. The cleaver, I can chop veggies and meat, slice meat, crush garlic, lot of stuff. With a good metal spatula and a chopping board, the 4 would be my bare essentials for kitchen utensils.
  • Plan your menu for the week, so that you can do your marketing and groceries in one go.
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This is my contribution to Wifespeaks: Foodie Wednesday.

About Me

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A part time ophthalmologist, part time micro business owner, part time graduate student and FULL TIME MOM struggling to find balance in the confusing world of multitasking :)