20 TIPS
1.
Set out your
goals and objectives
2.
Review your
income status.
3.
Develop a
budget.
4.
Create
alternative income sources.
5.
Save for
6months, invest for a lifetime
6.
Spend
according to your income and budget.
7.
Avoid
spontaneous spending.
8.
Seek
financial advice.
9.
You may opt
for discretionary management (which allows a professional to manage your money
for you).
10.
You may also
embark on the ‘do it yourself’ (DIY) self-direct investment journey.
11.
Articulate
your investment goals & horizon.
12.
Assess your
risk tolerance (based on your age, lifestyle).
13.
Review your
expenses and financial status.
14.
Be aware of
what stage you are with your Financial Life Cycle.
15.
Match your
goals with appropriate investment options.
16.
Develop
financial strategies to achieve set goals.
17.
Align short
term goals with short term instruments.
18.
Align your
long term goals with long term assets.
19.
Periodically
monitor your progress and update your plans.
20. Start small,
think big.
I hope these few tips are helpful.
Thanks for stopping by.
Tytylurpe.
Shea
butter is that slightly yellowish in some cases white or ivory-colored fat
extract from the African shea tree. It is widely used in cosmetics as
moisturizer or lotion. It is also edible and used in food preparation in
Africa. (Some tribes in Nigeria use it in making food for their women who has
just gone through child delivery, they belief that shea butter has some healing
effects that helps the woman heal). In some parts of West Africa, Shea
butter is referred to as Ori.
Some
benefits of Shea Butter.
Shea butter works well against
stretch marks or stretch mark prevention during pregnancy. It is also
beneficial to those suffering from dry skin, dermatitis and sun burn.
·
It
has been claimed internationally to be an effective treatment for the following
conditions: fading scar, eczema, burns, rashes, acne, severely dry skin,
blemishes, dark spots, skin discoloration, chapped lips, stretch marks, wrinkles,
skin peeling, after tanning, itchy skin, and skin cracks.
·
It
is also used as a sun blocking lotion.
·
It
is used for the relief of nasal congestion.
·
It
has anti-ageing benefits on the skin as it is used as moisturizer creams.
·
It
can also be used as a shaving cream for a smooth silky shave
·
It
can be used against varicose veins.
·
It
can be used for muscle fatigue, aches and tension.
·
It
is also used on skin damage from heat (hot grease while cooking, radiation
treatment for certain medical problems, etc.)
·
It
is also suitable on babies’ skin, guards against nappy rash.
·
It
is also good for the hair too; makes the hair soft and more manageable.
·
Every
household should have a jar of shea butter, either in the first aid box for
minor skin injuries or among beauty supplies for soft smooth better looking
skin or soft smooth shiny hair.
·
Have
you heard about shea butter? Tell me what you use your own shea butter for.
10
QUICK TIPS FOR EVERYONE
1.
If you
want to wear an oversized T-shirt and the sleeves are having a hard time
staying up, simply take a rubber band and place it over the end of your sleeve;
preferably above the rim of the shirt. Put the rim over it and start to fold to
your preferred length. The rubber band acts alike a band for the shirt that
lightly holds the fold in place.
2.
If you
have an oil stain on your handbag, a little baby powder can help. Pour a
coating of baby powder on the stain and leave the bag to lie down or stand,
making sure the stain is facing up. Do this overnight and the powder
would soak up the oil. If a little oil still remains, add a little more and
repeat the process for a thorough clean.
3.
If you
are out with your friends and some red wine spills on your lovely dress, don’t
sweat. Take a little white wine, pour some on a napkin and gently rub on the
stain, it will surely come off.
4.
Do you
have deodorant stains on your clothes? Take the protective foam used on hangers
and on hangers and gently rub it against the stain and it will fade off.
5.
Halo
vintage shoppers! Guess you don’t like the smell on those fabulous clothes you
have bought, get rid of it by spraying a mixture of water and vodka on the
piece of clothing, don’t worry about the smell of alcohol on the clothing
because vodka is odorless.
6.
If you
get something spilled on your clothes, blot the stains instead of rubbing it.
Rubbing the stain will only drive the stain further into the fabric.
7.
To
take off the scuff that starts to build on suede pieces, gently use a nail file
to buff the surface.
8.
Are
your shoes too tight? Take two freezer bags and fill them with water, place the
filled bags in the shoes and place them in the freezer, as the water gets solid
and expands , so will your shoes.
9.
Add
distilled vinegar to the final rinse when laundering your dark jeans, this will
help maintain the wash/color of the jeans.
10. If your ring is larger than your
finger, take some transparent tape and wrap it round the part of the ring that
shows on your palm several times. After a few warps, try the ring on to see if
it fits, if not add a few more wraps. Any tape can be used but transparent tape
is advised because it is the least likely to be detected.
WONDERS
OF MORINGA!!!
Moringa
is a multipurpose tree that is native to parts of Africa and Asia. It derives
its name from the Himalayan word ‘Muringa’. Being a multipurpose plant, its
leaves, pods, fruits, flowers, roots and bark are beneficial in one way or the
other.
Moringa
has 4times the potassium of bananas, 4times the fiber of oats, 14times the
calcium of milk, 9times the iron of spinach, 2times the Vitamin A of carrots
and 2times the protein of yoghurt.
Moringa: Health
Benefits
Moringa
leaves which is the most nutritious part of the moringa tree, it is loaded with
vitamins, minerals, and anti-oxidants and for this it is known as the nutrition
powerhouse. It contains the following nutrients:
·
Protein
·
Fat
·
Carbohydrate
·
Fiber
·
Minerals
·
Calcium
·
Magnesium
·
Phosphorus
·
Potassium
·
Copper
·
Iron
·
Sulphur
·
Vitamin
A-B Carotene
·
Vitamin
B
·
Vitamins
B1, B2, B3
·
Vitamin
C, E
o
It
helps boosting energy levels in a natural way, which is long lasting and this
energy is not produced from sugar.
o
It
also heals ulcers, restricts tumors, reduce arthritis pain and inflammation and
controls blood pressure.
o
Daily
consumption of moringa as part of the diet improves body’s natural defense
mechanism. Being an immunity stimulant, it is often prescribed for AIDS
patients.
o
Being
rich in Vit.A-Carotene, it acts as an effective weapon against blindness.
o
It
plays an important role in lactating mothers; consumption of moringa is
reported to cause a dramatic increase in breast milk.
o
Since
it balances the sugar level, it can be extremely effective against diabetics.
o
It
helps in balancing the cholesterol levels in the body.
o
It
stimulates metabolism and cell structure of the body.
o
Moringa
intake has no side effects has can be safely consumed by children and adults.
Moringa: Hair Benefits
This
is the aspect I am really interested about, HAIR BENEFITS, God let it have some
elements that will make my hair grow like an Indian lady overnight o.(lol)
o
Moringa
has a high content of Vitamin A, thus promoting hair growth and maintenance.
Deficiency of Vitamin A can cause thickening of scalp, dry hair and dandruff.
o
Vitamin
E in Moringa is a powerful antioxidant that stimulated blood circulation around
the scalp, proper flow of blood to the scalp helps in the absorption of more
nutrients available in the hair follicles.
o
Moringa
plant contains zinc which stimulates hair growth by enhancing the immune
function. Zinc + silica + Vitamin A prevent drying and clogging
of the sebaceous glands. (sebaceous glands are responsible for production of
sebum)
o
Vitamin
B-especially B6: biotin, inositol and folic acid enhance proper blood
circulation to the scalp and it enhances hair follicles to grow stronger and
healthier. Vitamin C + Vitamin E helps
in the improvement of blood circulation in the scalp. Proper circulation is
needed for hair growth.
o
Moringa
contains abundant qualities of minerals such as calcium, iron, potassium,
magnesium, copper and manganese which are essential for healthy hair growth.
o
Moringa
oil is a natural supplement for improving the health and strength of hair and
scalp. Regular massage with this oil helps in reducing split ends and dandruff
by supplying rejuvenating vitamins and minerals to the hair follicles and tissues
of the scalp.
NB:
I’m planning to mix moringa powder with a few hair oils and deep condition with
it, I will let you know the outcome when I have experimented.
Moringa: Skin Benefits:
o
Moringa
possess anti-ageing properties.
o
Moringa
has moisturizing and nourishing properties and an excellent cleansing ability
that makes it an active ingredient in skin care products.
o
Moringa
has an excellent cleansing ability which aids in cleansing the skin cells and
restores vitality and youthful complexion of skin. The antioxidants revitalize
the skin cells by removing the free radicals that causes ageing.
o
Moringa
leaves contain 30 antioxidants that contribute greatly towards healthy skin.
Moringa oil is highly absorbable and helps in delivering these powerful
antioxidants to the skin cells.
o
Moringa
leaves also contain sulphur, which releases 2key substances which make up human
skin. Collagen and keratin which gives elasticity and flexibility, softness,
rigidity and strength to the skin. These 2 substances form majority of skin
tissue and are made up of proteins constructed from sulphur.
o
The
ben oil extracted from Moringa seed is used to soften and soothe babies’ skin.
o
Moringa
seed powder is used as an active ingredient in deep cleansing creams and lotions;
it protects the skin from adhering pollution.
The
list is endless. I only came about Moringa about a year ago through someone
close to me; she boils the leaf and drinks the water, said it works for the
respiratory system, regularizes blood pressure, sugar level and helps with
arthritis too. She also cooks this leaf too like efo riro, uhmm, yess efo riro
and uses it to eat rice or swallow food like wheat, amala and co, she also
dries and blend into powder form the leaf too and put in her tea. To dry and
get the powder, you dry inside the house not outside under the sun, you spread
it in a tray and leave it, and it takes 5-7 days to dry properly.
Anyone
has any special recipe or has used moringa in a special way? Please share.
WAYS TO BOOST YOUR ENERGY
Happy
New Year people, Welcome to 2014, I pray all our heart desires shall be met and
it will be our best year ever.
Back
to our topic, its 2014, a new year and we all wish to start right, here are a
few healthy tips I got from one of the dailies:
·
Control
Stress: stress-induced emotions consume huge amounts of energy, so do
everything possible to control your stress level, anything that can stress you
unnecessarily please avoid.
·
Lighten
your load: one of the main reasons for fatigue is overwork. Overwork can
include professional, family and social obligations. Try to streamline your
list of “must-do” activities. I have to make this work for me.
·
Avoid
smoking: you know smoking threatens your health, but you may not know
that smoking actually drains off your energy by causing insomnia.
·
Exercise:
exercise almost guarantees that you will sleep more soundly; It also
gives your cells more energy to burn and circulate oxygen.
·
Eat
for energy: it is better to eat small meals, snacks and fruits every few
hours than three large meals a day.
·
Restrict
your sleep: if you think you may be sleep deprived, try getting less
sleep. This advice may sound odd but determining how much sleep you actually
need can reduce the time you spend in bed not sleeping.
·
Avoid
alcohol: one of the best hedges against the mid-afternoon slump is to avoid
drinking alcohol. “so it’s said”)
·
Drink
WATER!!: if your body is short of fluids, one of the first signs is a feeling
of fatigue, to avoid this take loads and lots of water, if you are like me you
can add little lime, lemon, orange, you can drop few pieces of pineapples
too.
Enjoyyyy!!!
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