Visiting Rome, Italy

I believed I am lucky enough to visit the domicile of the head of the Catholic Church. Visiting Vatican City especially Saint Peter's Cathedral is a great moment for me. It was truly a memory that I can keep forever. I am very thankful that I was given the chance to visit this beautiful city. It was a dream put into reality and it is just unbelievable. Here is an image of me and my friend during our visit last month of August, 2010.

taken in St. Peter's Square in Vatican City, Rome, Italy.

Vitamins Are Good

I am not an expert about this topic but I know some about it. Back during school days, we were taught that fruits and vegetables are one of the best sources of vitamins and minerals. For example vitamins A, B, C, D, E and some other more are needed by our body to help us stay fit and healthy. There are also minerals like calcium and magnesium which are needed by our muscles and bones for proper functioning and maybe to help prevent some diseases and malfunction. For women’s multi vitamin needs, you can find a lot of information online or you can ask your doctor about it. There are also these so-called dietary supplements which often contain vitamins to ensure that we take adequate amounts of nutrients needed by the body on a daily basis. Lastly, it is better to consult the doctor first before taking any sort of dietary supplements. The best thing to do, always include fruits and vegetables in your daily intakes. I am doing the same now.

White Beach in Panglao Island, Visayas, Philippines

This is one of the islands that I love in the Philippines. I had been to Panglao Island twice already and if given the chance in the future, I still want to go back there. Panglao is an island located in Central Visayas. It is located southwest of the island of Bohol and east of Cebu. It is considered to be one of the top tourist destination in the Philippines. It is famous for its beautiful dive spots and its coral reefs.

The first time I visited Panglao island was in 2006. Last February of this year, we went back there again. Here is an image I took during my second visit. This is the beautiful while beach of Bohol Beach Club. This is such a priceless view!

Panglao has a terrain that range from plain, hilly to mountainous. Panglao is made of Maribojoc Limestone, the youngest of the limestone units found in the western area of Bohol. The limestone composition halted the development of an airport as coralline limestone is soluble which causes formation of caves and sinkholes. One interesting geological feature found in the island is the Hinagdanan Cave which has an underground water source. The cave is an important water source as the island has no rivers or lakes. A tourism spot that the island of Panglao boast is the BOHOL BEACH CLUB. It features a 1.5 kilometer beach shoreline that provides a pristine beauty of what the island offers. It also boasts of the presence of one of the most beautiful dive spots that carries a glimpse of an awesome sea world treat. more about Panglao here

Apple and Banana for Dinner

Fruits and vegetables are always good food especially if you want to lose some weight. I can`t believed that I only ate apple and banana for dinner tonight. For a week now, I am trying myself not to tempt to eat a lot of food especially in the evening. It might be a good way of slowly getting rid of my excess pounds. Sometimes, I am thinking about Diet pills that work fast. I guess, there are diet supplements that also work good. You can read a lot of information online to help you find out which ones are really effective. For now, I believed that eating more fruits and vegetables are good for the body because they are also rich with vitamins and minerals. I am happy to buy a lot of vegetables today as I went grocery shopping.

Hello Chicken!

I seldom see live chicken in Germany. Of course, I see a lot of chicken meat in the Metzgerei or butcher shops. Unlike in the Philippines, where my parents live, my father has a lot of chickens in the backyard. As we attended a friend´s birthday party last month, I saw that they have a lot of chicken. I already know before that they have chicken but I never see one. This time, I already saw a lot and I was amazed how big they are. Since I always have my pocket camera with me, I immediately took some pictures. Here is one of them.

My friend said that they don´t butcher their chicken. They only use their eggs for cooking. When they are dead, they just bury them.

Americans Discovering Cheap Alternative Treatments

The United States is known for it's high technology health care, but many people are now being turned off by that and seeking a more ancient approach. When new treatments come with large costs that can't be paid with a simple short term payday loan, and instead require that you get a second mortgage, it's time to seek alternatives. In fact, many Americans are finding that other countries can offer them some treatments that seem to work well for them, even if the FDA won't endorse them as being official medical treatments.

Acupuncture

Acupuncture works on the Chinese principle of an energy that runs through the body that can experience blockages, causing diseases. While Americans in the past thought that was weird, these days it's very popular. People in China have long used it to control pain, remove wrinkles, and even treat allergies. The effectiveness of the treatment is an individual perception, but everyone can easily tell that the cost is much less than conventional medicines. Plus, there are no side effects.

Herbals and Solutions

For those people without a proper health care plan, a simple antibiotic may not just be about the cost of the actual antibiotic, but also the necessary trip to the doctor that can easily range in the hundreds of dollars. Some natural health enthusiasts use colloidal silver as a natural antibiotic since it was the choice of treatment before the others came into being. For people with allergies, they may take herbal solutions rather than choosing to see a allergy specialist or take an over-the-counter synthetic drug. For people who are into natural health, changing the diet is seen as the best way to prevent disease in the first place and is a very cheap way to implement health care plan at home. The choice to eat more foods grown at home or bought organic can increase the amount of nutrition available for the body while reducing the exposure to chemicals and pesticides.

Using Business Loan Calculators

Are you looking for a new loan? Do you want to know if you could truly afford that loan? If you have answered yes to these two questions than think about finding a business loan calculator online. There are several types of these calculators online like the merchant advance calculator.

A merchant advance calculator is designed to work on merchant cash advances only. In other words, if you have decided your best course of action is to purchase a cash advance rather than a mainstream loan, you would need to use the merchant advance calculator. This calculator will ask how much you need and then calculator the daily percentage you would have to pay in order to repay the loan. Some of these calculators do not show the interest or fees you are charged for the loan. So, be sure to find one that offers all the information.

Other business loan calculators are strictly for mainstream loans like a bank loan. A bank loan has a few parts to it as well. You need to input the amount of the loan, current interest rate, any closing fees, and any down payment. You will also be asked how long the loan will be for. From this you can calculate whether the loan would be affordable regarding the monthly payments required. The results will be shown in monthly payments with most calculators.

By using business loan calculators you have the opportunity to change a few of the factors like the interest rate, down payment loan term, etc. These changes will show what you might expect if the variables are changed by the bank. The ultimate goal in using any of the business loan calculators out there is to see what your affordability of a loan would be under different scenarios.

For instance, the interest rate in the calculator may be one percent higher than the current Fed Bank Rate. However, the loan company feels you are too risky, so they increase this 5 percent rate to 7 percent. By doing your own calculations you know as soon as they tell you the rate is 7 percent whether you can afford the payments. Furthermore, you know if you have to reduce the loan amount.

The loan amount you seek is often based on what you need it for. If you are remodeling you may not be able to reduce the loan amount. In a different scenario you may be able to reduce the loan just enough to make the payments affordable at a higher interest. Using business loan calculators will give you all the information you need to know regarding your new loan. Make sure to use them for different scenarios for a clear picture.