LAWS ON BUILDING PERSONAL WEALTH

STRATEGIES THAT WORK

1.) Start early (Start right now!) Its not how much you save, but how early you start saving. Or investing



2.) Plan at least 5 to 10 years ahead, When she turned 21, Sharon Cuneta took financial control of money earned since her first record, “Mr. DJ,” was released several years earlier. By all accounts, the singer/actress has since managed her money well- spending less than what she earned, investing wisely her surplus funds, and planning a more than comfortable future for herself and for her daughter, KC Concepcion, that included regular trips abroad and schooling in the best possible schools. At any given point, she knows how much she is worth.

Today, Cuneta has two other daughters, both of pre-school age, which she has now included in her financial plans and Concepcion is studying in Paris.

3.) Get College covered (refer to no.2) and please remember that tuition fee is only 30% of total college cost; the other 70% is for misc. fees.

4.) Hedge against long-term disability. Get an accident and health insurance. Your money amassed should be enjoyed, and not used to pay for hospital bills.

5.) Get a life insurance policy. Your loved ones shouldn’t be financially displaced in the event of your untimely death.



6.) Keep it simple

7.) Keep your asset allocations current (ie: make savings automatic)

8.) Live below your means (earn more-spend less)

9.) Never buy on credit

10.)Don’t rely on your instincts; they’re probably wrong.

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Brain Damaging Habits

1. No Breakfast
People who do not take breakfast are going to have a lower blood sugar level. This leads to an insufficient supply of nutrients to the brain causing brain degeneration.

2. Overeating
It causes hardening of the brain arteries, leading to a decrease in mental power.

3. Smoking
It causes multiple brain shrinkage and may lead to Alzheimer disease.

4. High Sugar consumption
Too much sugar will interrupt the absorption of proteins and nutrients causing malnutrition and may interfere with brain development.


5. Air Pollution
The brain is the largest oxygen consumer in our body. Inhaling polluted air decreases the supply of oxygen to the brain, bringing about a decrease in brain efficiency.

6. Sleep Deprivation
Sleep allows our brain to rest. Long term deprivation from sleep will accelerate the death of brain cells.

7. Head covered while sleeping
Sleeping with the head covered increases the concentration of carbon dioxide and decrease concentration of oxygen that may lead to brain damaging effects.

8. Working your brain during illness
Working hard or studying with sickness may lead to a decrease in effectiveness of the brain as well as damage the brain.

9. Lacking in stimulating thoughts
Thinking is the best way to train our brain, lacking in brain stimulation thoughts may cause brain shrinkage.

10. Talking Rarely
Intellectual conversations will promote the efficiency of the brain.

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The top five cancer-causing foods

1. Hot dogs - Because they are high in nitrates.
The Cancer Prevention Coalition advises that children eat no more than 12 hot dogs a month. If you can't live without hot dogs, buy those made without sodium nitrate.


2. Processed meats and bacon
Also high in the same sodium nitrates found in hot dogs, bacon, and other processed meats raise the risk of heart disease. The saturated fat in bacon also contributes to cancer.


3. Doughnuts
Doughnuts are cancer-causing double trouble. First, they are made with white flour, sugar, and hydrogenated oils, then fried at high temperatures. Doughnuts, says Adams , may be the worst food you can possibly eat to raise your risk of cancer.


4. French fries
Like dough nuts, French fries are made with hydrogenated oils and then fried at high temperatures. They also contain cancer- causing acryl amides which occur during the frying process. They should be called cancer fries, not French fries, said Adams .

5. Chips, crackers, and cookies
All are usually made with white flour and sugar. Even the ones whose labels claim to be free of trans-fats generally contain small amounts of trans-fats.

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Reasons for sleeping and waking up early:

Evening at 9 - 11pm: is the time for eliminating unnecessary/toxic chemicals (detoxification) from the antibody system (lymph nodes). This time duration should be spent by relaxing or listening to music. If during this time a housewife is still in an unrelaxed state such as washing the dishes or monitoring children doing their homework, this will have a negative impact on health. Evening at 11pm - 1am: is the detoxification process in the liver, and ideally should be done in a deep sleep state.

Early morning 1 - 3am: detoxification process in the gall, also ideally done in a deep sleep state.

Early morning 3 - 5am: detoxification in the lungs. Therefore there will sometimes be a severe cough for cough sufferers during this time. Since the detoxification process had reached the respiratory tract, there is no need to take cough medicine so as not to interfere with toxin removal process.

Morning 5 - 7am: detoxification in the colon, you should empty your bowel.

Morning 7 - 9am: absorption of nutrients in the small intestine, you should be having breakfast at this time. Breakfast should be earlier, before 6:30am, for those who are sick.

Breakfast before 7:30am is very beneficial to those wanting to stay fit . Those who always skip breakfast, they should change their habits, and it is still better to eat breakfast late until 9 - 10am rather than no meal at all.

Sleeping so late and waking up too late will disrupt the process of removing unnecessary chemicals. Aside from that, midnight to 4:00 am is the time when the bone marrow produces blood. Therefore, have a good sleep and don't sleep late.

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Math and Jokes

ROMANCE MATHEMATICS
Smart man + smart woman = romance
Smart man + dumb woman = affair
Dumb man + smart woman = marriage
Dumb man + dumb woman = pregnancy

OFFICE ARITHMETIC
Smart boss + smart employee = profit
Smart boss + dumb employee = production
Dumb boss + smart employee = promotion
Dumb boss + dumb employee = overtime

SHOPPING MATH
A man will pay $2 for a $1 item he needs.
A woman will pay $1 for a $2 item that she doesn't need.

GENERAL EQUATIONS & STATISTICS:
A woman worries about the future until she gets a husband.
A man never worries about the future until he gets a wife.
A successful man is one who makes more money than his wife can spend.
A successful woman is one who can find such a man.

HAPPINESS
To be happy with a man, you must understand him a lot and love him A little.
To be happy with a woman, you must love her a lot and Not try to understand her at all.

LONGEVITY
Married men live longer than single men,
But married men are a lot more willing to die.

MEMORY
Any married man should forget his mistakes,
There's no use in two people remembering the same thing.

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