Set a Goal: What to Save For – (Ibutang sa usa ka Tumong: Para asa ang pagtigum)

Ibutang sa usa ka Tumong: Para asa ang pagtigum!

Pagtigum sa salapi, sa pagpalambo sa inyong mga pinansyal nga kinabuhi, sa pagtukod ug  bahandi. Kini ng tanan nga magsugod sa diha nga ikaw sa usa ka tumong ug paghimo sa usa ka plano sa pagkab-ot sa maong tumong. Busa unsa ang imong tumong? Paghimo og usa ka emergency cash fund? Pahawa sa utang? Himoa nga ang usa nga  pagbayad sa usa ka sakyanan o sa panimalay?  alang sa kolehiyo o retirement?

1. Pag tigum alang sa Emerhensya - Dili sama sa mga adunhan nga daghan kanato sa pagpalit sa atong mga credit cards, nga may usa ka emergency fund mao ang usa ka kinahanglan. Ang finansyal expert nag rekomenda nga ang mga tawo sa pagpadayon sa usa ka cash gitagana dako nga igo aron sa pagtabon sa tulo ngadto sa unom ka bulan nga kantidad sa mga galastohan sa balay. Magmasaligon, sa umaabot nga adlaw kinahanglan nimo kini. Matud pa sa  Amerikano magbabalak Henry Wadsworth Longfellow nag ingon, "Ngadto sa matag kinabuhi sa pipila ka tawo moabot ang adlaw nga ting ulan kinahanglan gayud nga dili mapukan, sa pipila ka adlaw ang kinabuhi  kinahanglan nga dili makahiagom sa mangitngit ug awaaw." Busa aron dili matagamtanan ang kawad on sa kinabuhi kinihanglan sa matag usa ang pagtigum ug pagkaon labi na anng salapi aron adunay magamit panahon sa emerhensya. Magsugod nata karon sa pagtigum. Sampol sa mga panahon nga adunay emerhensya sama sa magdaot, madisgrasya, maospital, manganak, dinaliang bunyag, kasal piyesta ug lubong.

2. Pagtigum  alang sa Retirement  - Kutob sa mahimo, mao ang standard nga tambag para makatigum gayud para sa pag –abot sa panahon nga moretiro na ayahay…. Daghang pinansyal nga tigplano nirekomend nga pagtigum sa 10% ngadto sa 15% sa imong kinitaan alang sa retirement, sugod sa inyong mga pangidaron nga 20. Bisan ug tigulang na dili pa ulahi ang tanan kay 60 anyos sulod sa napulo katuig makatigum paka sa page dad nimo ug 70 pede na mapahimuslan ang imong 10 to 15 percent na tinigum. Kini usa ka maayo nga ideya sa pag-establisar sa usa ka savings target. Kay ang tawo matigulang man jud, dili na ginahan mo lihuk lihuk mao panahon na gamiton ang retirement fund. Niay uban imbes relax time na unta ang pangidaron, mao paman hinoon ang pagsugod ug kayud. Karon angay nata magsugod ug butang sa atong MBA na insurance para sa atong retirement.

3. Pagtigum alang sa usa ka Car/ Sakyanan –Pagtigum para sa pagpalit ug usa ka sakyanan mao ang usa ka major nga nga buluhaton apan kalampusan ma hingpit nga posible nga sa usa ka gamay sa pagplano ug paningkamot. Tulo ka mga pamaagi mahimong gamiton sa pagtukod sa usa ka sakyanan fund: pagtigum sa kanunay ug sa diha nga ikaw modawat sa imong mga sweldo, paggahin og sa savings para sa sakyanan nga imong gipangandoy. Sa dili pa kamo magsugod sa inyong pagplano ug tigum, kamo kinahanglan nga mohukom una kon unsa  nga sakyanan ang  inyong gusto para sayon ra pagkab-ot sa budget. Aron sa pagtabang sa pagkab-ot sa usa ka desisyon, paghunahuna mahitungod sa bili ug mga bahin sa sakyanan nga imong gusto, ug paghunahuna mahitungod sa potensyal nga gasto nga nalambigit sa human kamo mopalit sa sakyanan kay aduna pod kanay maintenance. Kinahanglanon ba gyud nga mopalit ug sakyanan? Masave baka ha pod ta kon niay sakyanan. Pipila lang na ka pangutana before ta magtigum para sakyanan.

4. Pagtigum alang sa Education - Kon  ikaw gusto nga ang inyong mga anak adunay labing maayo nga edukasyon? Kana mahimo, apan sa eskwelahan ug unibersidad  ang galastuhan ug mga fees mahimong mahal na. Ang salapi nga imong egahin sa ibabaw sa edukasyon sa imong anak mahimong usa ka dakong tabang  sa imong pamilya sa  pag andam sa pinakadako nga mga galastohan.Sugod na pagtigum sa sayo kay makatabang sa inyong mga anak adunay usa ka high-(quality) kalidad nga pagkat-on ug kasinatian.

5. Pagtigum alang sa usa ka Home / Balay – Ang balay mao gayud ang importante sa tanan kay mao kini ang atong pasilunganan. Pero unsaon ug wala tay balay? Guba ang balay? Pagpalit ug  usa ka balay mao ang usa ka importante nga milestone, apan kini mahimo usab nga usa ka makalilisang nga kasinatian. Ang kahadlok sa wala igo nga salapi aron sa pagkompleto sa pagpalit o sa pagdagan sa binulan nga butangon maoy makahahadlok kay ug unsaon nalang ug dili makompleto ug bayad sure man jud na dili lang gihapon maangkon ang gitinguha nga balay. Magpuyo ug simply mangandoy ug simply aron makatigum ug ensakto. Ang yawe sa pagtigum ug igo nga salapi alang sa usa ka panimalay mao mayo para magmalampuson.

SAVINGS FORMULA:

INCOME – SAVINGS = GASTO

(Ang imong income kuhaan una daan para sa pagtigum una kuhaan sa ubang mga gasto.)

The role of MEN in Promoting GENDER EQUALITY BY World Health Organization

For a long time, a commitment to promoting gender equality in health, as in other areas of social development and human rights, has focused on women’s empowerment and been driven largely by women. This can be largely attributed to the fact that women are the ones mostly disadvantaged by the patterns of gender inequality, and so have been the ones to lead the cry for redress.
This belief has led many to assume that gender issues are only about women and of no concern to men and boys. This focus, gladly has begun to change, and there is a growing interest in the roles and responsibilities of men and boys in relation to gender equality. There are several reasons for this:

• Men need to be held accountable so that their actions and attitudes are examined also in the light of social and cultural norms, policies and practices, and not just biology. Norms, policies and practices can and do change
• Women and men need to work together for greater gender equality and not merely blame each other for the inequalities and inequities. This means that men's awareness needs to be raised concerning the causes and results of their attitudes and actions on the people in their lives for the benefit of all
• Some men are beginning to show interest in different settings and in challenging the existing gender order

GWH has been challenged to work on the role of men in promoting gender equality and changing gender-based inequity in health. In 2006, WHO conducted an expert meeting to develop a framework for working on this aspect of gender in health.
Some other examples of GWH work include:

• Fatherhood and health
• Engaging men and boys in changing gender-based inequity in health

(ccto)

The role of MEN in Promoting GENDER EQUALITY BY World Health Organization

For a long time, a commitment to promoting gender equality in health, as in other areas of social development and human rights, has focused on women’s empowerment and been driven largely by women. This can be largely attributed to the fact that women are the ones mostly disadvantaged by the patterns of gender inequality, and so have been the ones to lead the cry for redress.
This belief has led many to assume that gender issues are only about women and of no concern to men and boys. This focus, gladly has begun to change, and there is a growing interest in the roles and responsibilities of men and boys in relation to gender equality. There are several reasons for this:

• Men need to be held accountable so that their actions and attitudes are examined also in the light of social and cultural norms, policies and practices, and not just biology. Norms, policies and practices can and do change
• Women and men need to work together for greater gender equality and not merely blame each other for the inequalities and inequities. This means that men's awareness needs to be raised concerning the causes and results of their attitudes and actions on the people in their lives for the benefit of all
• Some men are beginning to show interest in different settings and in challenging the existing gender order

GWH has been challenged to work on the role of men in promoting gender equality and changing gender-based inequity in health. In 2006, WHO conducted an expert meeting to develop a framework for working on this aspect of gender in health.
Some other examples of GWH work include:

• Fatherhood and health
• Engaging men and boys in changing gender-based inequity in health

Simala Shrine in CEBU Philippines - Heal Your Sickness

One of the many wonders of cebu is the SIMALA SHRINE. If you wanna have a religious tour, you might as well want to go to this majestic shrine. You can call this is Cebuano PANAAD :) .

  Simala church is located in Sibonga Cebu, and all i can say is "AWESOME PALACE LIKE CHURCH!". It really does looks like a palace to me; because of its elegant structure, you would think that it looks like a Vatican church.

You can took a ride on a bus from Cebu city to Sibonga (it took us 1 and 1/2 hour to arrive at the entry point) then you ride a tricycle all the way up to this majestic church :) wow! the place is very awesome!

More fun in Cebu Philippines!!!



This is the internal view of the church. 


Photos credit to: http://littlefilipina.blogspot.com 

5 Lies All Women Tell- Yahoo.com

Out of compulsion, to manipulate you, to manipulate the situation, to salvage the relationship, to willingly destroy the friendship, to be bitchy, to infuse some gossip and fun into an otherwise mundane life.

No matter the reason, women lie.
As do men, but for the purpose of this article we’ll just stick to talking about the fairer sex. And no, no lies will be mentioned here.
Here are five lies that all women tell and very few own up to:

1. "I am not mad at you."

Lie. Lie. Lie. The moment she utters these words, the red flag, heck ALL the red flags you have, must go up. A woman only ever says this when she is fuming with wrath; when she is so angry with you that she wants to burn your sad soul and kick you right into hell. You’d be safe if she is mad at you than when she is not. So, if she isn’t mad at you, please do the needful and make sure she is absolutely mad at you.

2. "You were great!"

If you *actually* were great, she wouldn’t necessarily say it. Instead she’d show you grateful she is. So if she tells you how great you were and raves and rants about it, chances are you were only but mediocre and she is just being nice.

3. "Be honest, I can take it."

This particularly statement is made after she asks you *that* question. The question being: Do I look fat in this?
It’s a trap. A big huge cage from which there is no escape. Any answer or no answer, you’re destined to die out of misery in that cage.
The truth is she cannot take your honesty and if you lie blatantly, she’ll catch you at it. So the trick here is to be moderate in your response; not too flowery, not too mean. Walk the tight-rope well and you might just manage to escape from the cage. PS: No living man has yet managed this feat.
4. "I’m not jealous."
In reality, she is jealous almost all the time. Jealous when you look at that girl walking by, jealous when you talk too much to your friend who is a girl. In all honesty, playful jealousy is fun, necessary even to keep the relationship going. So when she says she is not jealous, smile and kiss her cheek. Forget being jealous, she will just blush.

5. "I never think of my ex."

Everyone thinks of their ex. At some point or the other, we are driven back to times gone by because of a tune or a place or situation or a conversation. It’s okay if she thinks about her ex once in a while, because it is only normal to do so. And if she confesses to *never* thinking of her ex, I’d say something is wrong with her and that you need to assess what that is.

(ccto)

How to control your sexual urges?

A good sex life is a very basic human need.

 It often stands unmet, because of competitive lifestyles, leaving no room for personal gratification. In such cases, controlling your urge can become difficult. The following article will show you how you can do so.

1. Acceptance

The first step to control your sexual urges is to accept that there is no shame in feeling this way. Most societal norms deem these urges as moral depravity and force us to bury these feelings, instead of accepting it as a part of life. We are born to believe that sex is sin and sexual urges are an abomination. These urges are nothing but physical needs which only seek fulfillment, in some way or the other. Instinctually, man cannot abort sexual thoughts. With this acceptance and a strong desire to curb it, you can keep your feelings in control.

2. Triggers

The next step to controlling your sexual feelings is to know what sets them off. Admittedly, man is surrounded by sexual innuendoes and signs so obvious, that they are almost a part of our daily lives. When one is sexually satiated, these signs tend to pass by unnoticed, but in the face of sexual starvation, these signs end up titillating more than pacifying. Identifying these triggers will help keep the mind alert enough to steer clear of them.

3. Will Power

When it is considered that with enough will power, one can move a mountain, controlling sexual urges on the same plane should ideally be anyone’s cup of tea. While it is impossible to obliterate sexual thoughts completely, curbing the intensity to a bare minimum will help you get through the day without distractions. A mental reminder, can serve as ample inspiration to help you power through the day without being tempted.

4. Transmutation

Translating your sexual urges to creative outputs will not only take your mind off them, but will help you make something new. At the end of the day, an urge is nothing but a feeling that enforces a lack of the desired object. Thus it is easy to manipulate with an equally engaging creative thought. Read a book, write poetry, paint or make pots. The end product of your misplaced creativity will provide equal satisfaction.

Photo from the Yahoo! Contributor Network

5. Exercise

Focusing your energy on something that consumes most of it and also helps you feel good, is a certain winner. Wake up early and go for a jog, or make swimming thrice a week a habit. You can also hit the gym every morning before work. Whatever be the means, allow your body to get the much-required exercise to keep your mind more in control.
6. Seek Help
If nothing seems to get your mind off sex, this might be the start of a potential problem. If you are in a relationship, try to talk to your partner about these unmet needs. Maybe with regular intercourse, these urges will successfully be siphoned off. If not, then consult your doctor for psychological counselling to find a way out of these extensive urges. Obsessive thinking can be relieved with medication and therapy.
The methods outlined above might help you find a way to keep your uncontrollable sexual urges in check.

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