My hobby

This is my hobby but I stopped doing this for more than 6 months now since it is quite expensive and I do not even wear them.

The accessories I made are going to be shipped to France. My French student ordered some for a little business after seeing my designs.

They are very simple and not unique.

So here they are minus the earrings, I haven’t taken pictures of the earrings yet.

Bracelets: made of shells

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pearls and crystals

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made of shells again

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Pearls and crystals

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pearls only

Necklaces:

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Rose Quartz

These are rose quarts in different sizes. It looked as if the beads were randomly arranged but if you look closely, they are actually carefully patterned. I am very particular with patterns and I love to count.

The smallest is 5 then the biggest 1, next smaller size 4pcs,

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This is also patterned… I have patiently counted and patterned the small beads in three colors, black, red and dark red

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Pearls and black crystals

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Plain pearls

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pearls with plain crystals

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Mixed semi-precious chips: jade, agate, quarts, jasper, aquamarine, etc.

with small rice pearls

Sets (necklace and bracelet)

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I am a little hesitant about my works. I am anxious that they might not like it because it’s too simple and ordinary.

Car DVD Players

Car DVD players are widely spreading in the market. If you possess a family car and would like to remain the kids amused at the same time as you drive, car DVD player can be a grand gadget to hold in the car. It is very impressive for road trips.

Costs of a car DVD player are plummeting noticeably. Customers can nowadays provide a player at a reasonable cost.

However it would be foolishly unsafe to watch while you steer at the wheel so evidently it is not for someone individually the only one riding in your car.

For more information on how to choose a car DVD player click HERE!

Seven Signs You’re in a Disaster Relationship

1. Dishonesty- yourself or your partner.

2. Communication- always ending up in an argument.

3. Putting the other on a pedestal and putting yourself down.

4. Destructive impulses.

5. Compromise at your own risk.

6. Feeling enclosed or shutting yourself off from other friends.

7. Fear of losing the other person with everything you do.

Wake up call

Lie: You think by giving more and accepting less, you are the bigger person.

Truth: You do not have to give up who you are or what you enjoy. Why please someone else at your own expense?

***

Lie: You think that by working at it, the other person will change.

Truth: You’re only one part of the relationship. If the other person doesn’t change, it won’t work.

***

Lie: You think by not telling your friends, you are protecting them from an uneasy truth that they don’t need to know.

Truth: You’re just protecting yourself from judgment and your partner from what you both are not proud of.

A nice place to stay on vacation

If I’d be given a chance to travel to UK, I would love to spend my holiday vacation at THE ST. DAVID’S HOTEL & SPA, CARDIFF.

It’s overlooking the Cardiff Bay.

Cardiff is a cosmopolitan city to explore. You’ve got a mix of great attractions, the fairytale castle and awesome Millennium Stadium, household brands and designer boutiques in the new Capitol shopping centre, great restaurants and plenty of bars across the Bay and beautiful beaches just a short drive away.

A sophisticated city to travel around, Cardiff has a combination of impressive scenic spots. There is the fairytale castle, splendid Millennium Stadium, designer boutiques in the new Capitol shopping centre, fabulous restaurants and bars across the Bay with beautiful beaches are just a few to mention to tour around!

Experience the Welsh dishes in their Tides Bar and Restaurant. The hotel of course is also a distinguished dwelling for weddings and special celebrations.

The hotel also offers SPAS to indulge yourself and your partner to tempting and luscious spa treatments. The Spa packages include different and new ways of distressing and pampering yourself.

Of course there’s a wide array of ROOMS AND SUITES to choose from that suits your taste of comfort!

Suddenly Slimmer!

Call it fashion magic: When you put on these extras, pounds will seem to melt away!

High Stilettos- Tall, skinny heels give the illusion of long slender legs. plus when you wear them, you use your muscles to maintain balance, causing calves to look more toned.

Drop earrings- The linear shape draws the eye up and down, making cheeks appears less round. Wearing your hair swept up maximizes the effect.

Opaque Black Tights- You could do lunges or just slip these on. Dark solid hues minimizes what’s underneath and hide lumps and bumps. Throw on black heels for even skinnier results.

Chunky Belt- Two key rules: keep it wide- a broad belt cinched at the waist conceals a pooch. (2) Find a fancy buckle. It directs attention to the narrowest part of your figure.

Superlong Necklace- Cascading strands elongate your torso. (A choker, on the other hand, makes your upper half look shorter and fuller.)

Source: Cosmopolitan USA August 2009 p. 70

What is SAT?

The SAT Reasoning Test (formerly Scholastic Aptitude Test and Scholastic Assessment Test) is a standardized test for college admissions in the United States.

The College Board mantains that the SAT evaluates literacy, numeracy, and writing skills that are required for academic success in college. They asserts that the SAT measures how suitably the test takers examine and solve problems—skills they learned in school that they will need in college. The SAT is in general taken by high school juniors and seniors.^[3] In particular, the College Board affirms that use of the SAT in arrangement with high school grade point average (GPA) presents an improved pointer of achievement in college than high school grades only, as determined by college freshman GPA. Various studies carried out over the period of the SAT demonstrate a statistically substantial increase in correlation of high school grades and freshman grades when the SAT is featured in.^[4]

SAT consists of three major sections: Critical Reading, Mathematics, and Writing. Each section receives a score on the scale of 200–800. All scores are multiples of 10. Total scores are computed by adding up scores of the three sections. Each major section is divided into three parts.

How can one student be ready for SATS?

There are online video courses like Brightstorm that aids high school students for their SATS.

Brightstorm aids high school students came off through online video courses coached by skilled and capable teachers. Brightstorm has produced all together proficient and knowledgeable in Math, Critical Reading and Writing at the same time into one thorough video package assured to enhance your student’s SAT score.

It includes:
• 14+ hrs of online videos covering content review, strategy, tips and tricks
• Interactive quizzes and downloadable practice problems and study guides
• Self-diagnostic test to point out areas to improvement with links of specific videos to review
• SAT practice problems and sample tests
• Daily study planners
• 24/7 access to online videos and downloadable practice sheets
• Dynamic teachers who use real life examples to make learning fun

More on Brightstorm

Anti-Ageing Exercise

REGULAR RUNNING- may help prevent disability and early death from cancer, neuroligical disease, or infections, according to Stanford University School of Medicine. Researchers tracked 1000 runners and non-runners over age 50. After 19 years, 34 percent of non-runners had died, but only 15 percent of the runners had.

What you need to know:

Warm up and warm down: Even if you’re just going for a gentle run, warm up first to achieve a certain level of joint mobility and to avoid injuries. Warming down will also help cut down on stiffness.

Run tall and breathe deeply: Try to get in the habit of running with a straight back to minimise pressure on your diaphragm. Take a deep breath, lift your whole upper body and then hold that position as you run.

Running time: Only run for as long as you can do so in the correct style. As soon as your form gets sloppy, pack in for another day.

Bra-Fit Tips

1. The underwire ought to be flush agaibst your ribcage.

2. Make sure the band is snug enough that you can fit only two fingers underneath it and its lower than or level with  the bodice of the bra.

3. The fabric between the cups should lie flat against your skin.

Your real bra size

A professional bra-fitting is as good idea, but here’s how to do it yourself:

To figure out your band size. measure your rib cage just under your breasts. If it’s not an even number, round it up (so 33 inches rounds up to 34). Next, calculate your cup size by first measuring around the fullest part of your bust and then subtracting your band size from that number. The difference between between the two digits determines your cup size- a 1 inch difference is an A cup; 2 is a B; 3 is a C, and so on. Final step: Find something lacy, racy, and black.

Source: Cosmopolitan USA August 2009 p. 137

HOW TO BE GOOD WITH MONEY

Hope these tips would help us to be sensible with money in these times.

1. Find out if your books balance. Get out all your bank statements and work out how much you’ve earned- include benefits and interest on savings- and how much you’ve spent over the past year.

2. Bank online and check your balance twice a week. I checked my time and savings deposits and credit card online in BPI. This will give you a clear idea of what’s going in and coming out.

3. Junk useless direct debits. Don’t just go on paying for that life cover you don’t need. I think they’re describing unnecessary insurances.

4. Build up a rainy-day fund. Set up a monthly direct debit to put money aside in a high interest account. It pays to wait for something monthly more than your salary.

5. Organize all your payments. Have your direct debits going out just after your salary. The rest is yours- to transfer into a savings account paying better rate of interest than your current account. Transfer back as and when you need extra cash. The BPI online works well on this.

6. Buy now, pay at once. If you can’t afford something one month, wait until the next month. I’m learning this slowly and painfully

7. Use your credit card sparingly. Pull out the plastic when you absolutely have to have that half-price dress in the sales. But always pay it off before it incurs any interest. I used to pay 40k a month for my credit cards but for more than a month now, I haven’t used any of them and hope to do these for a long time. Again I am learning this slowly and painfully.

8. Always shop around when contracts like your internet and mobile phone service provider- come up for renewal. Don’t forget to ring your existing provider to see if it can offer something better.

9. Buy treats with reward points schemes. Use all those points you’ve accumulated on your various cards to give yourself a treat. Spoil yourself- after all, you deserve it.

Source: RDAsia February 2009 p. 148

On getting a Loan

What is a loan?

It is an arrangement in which a lender gives money or property to a borrower, and the borrower agrees to return the property or repay the money, usually along with interest, at some future point(s) in time. Usually, there is a predetermined time for repaying a loan, and generally the lender has to bear the risk that the borrower may not repay a loan (though modern capital markets have developed many ways of managing this risk).

What are the different kinds of loans?

asset conversion loan – A short-term loan whose primary repayment source is the conversion of an asset, such as inventory or a receivable.

balloon loan – A long-term loan, often a mortgage, that has one large payment (the balloon payment) due upon maturity. A balloon loan will often have the advantage of very low interest payments, thus requiring very little capital outlay during the life of the loan. Since most of the repayment is deferred until the end of the payment period, the borrower has substantial flexibility to utilize the available capital during the life of the loan. The major problem with such a loan is that the borrower needs to be self-disciplined in preparing for the large single payment, since interim payments are not being made. Balloon loans are often undertaken when refinancing or when a major cash flow event is anticipated. also called balloon note or bullet loan.

bank term loan – A bank loan to a company, with a fixed maturity and often featuring amortization of principal. If this loan is in the form of a line of credit, the funds are drawn down shortly after the agreement is signed. Otherwise, the borrower usually uses the funds from the loan soon after they become available. Bank term loans are very a common kind of lending.

There are more other types of loans and for more information you can click this link: Loan

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