Guest Post: The Significance of Finance

Image from rfcng.com

The term finance is very important for a flourishing economy. It holds a great importance in the lives of individuals and business corporations. By finance, we mean to manage the funds in an economy. It involves the concept of lending and borrowing. These days, the process of lending and borrowing is also done through banks. What people do is that they deposit their money in the banks, who lend money to the other people by charging some interest for earning profits.

Importance of Finance:

• Finance plays a very important role in corporations and organizations. Corporate finance deals with the decision making of the firms regarding the sale and purchase of assets and also aids them in investment decisions as well. Corporate finance helps in getting to know about the risks which a firm may face while investing in some specific products.

Shareholder’s dividends and equity funds are also managed with the help of corporate finance as well. Firms make their short and long term decisions with the help of corporate financing. It also helps in dealing with the taxes which an organization has to pay during its working position.

• Business finance is regarded as the backbone of a business. A business cannot run without financing. Finance is always required in spite of the fact that your business is small, medium or is larger in size. Finance is required for establishing a product, and is required in its promotion as well. A good amount of finance is required by a firm to maintain its name in the market.

Finance is also required when a firm feels the need of expanding its business.

• The finance department of a company deals with the entire financial requirements of a company. The financial department of the firm manages the balance sheet of the company, thus ensuring that sufficient funds are available in a firm to maintain its reputation in the market.

A financial department maintains the returns on assets and liabilities and also takes care of the profit level of the firm. The entire information regarding the working of a firm is provided to the managers by the financial department so that they can use the information for decision making. Final accounts of a firm are prepared by the financial department so that it can be presented in the annual meeting of the company.

• Personal financing is a form of financing in which you plan for long term financial stability. This is a kind of budgeting which is planned by those people who plan to remain financially stable after their retirement. For a good planning, you need to know what you actually desire to have in your future, and where you want to live. If you know exactly what you want to do after you get retired, then you can do a very good personal budgeting.

Saving is a very important part of personal financing. Saving helps you to invest in the right places in order to secure your future.

• Financing is very important for the economic situation of a country as well. It helps to maintain the standard of a developed country and for underdeveloped countries; it helps to plan basic economic tools for development.

•  Personal financing depends largely on the economic stability of a country. If the conditions are bad, then people will save more in order to achieve a secured future.

Short term finance is another form of financing. Finance plays a very important role in business banking, as it is an important tool which is used for the decision makings of the firms.

About the Author
I am an avid blogger interested in writing articles on finance, home improvement, SEO, health etc.

_________________________________________________________________

Do you like this post? Never miss out again when you click on the elegant chair below:

Or by entering your email here:

Enter your email address:


Delivered by FeedBurner

You can also follow me on Twitter, Instagram, and Pinterest for daily updates on my mundane musings.

Guest Post: Fashion Tips That Are Worth Checking Out!

Busy adults often forget about fashion as they concentrate on their careers. But that's alright! You can become fashionable at any age. The following article will provide you with tips to make you look better. Read on for some great tips!

Image from vogue.com

Before you spend money on extras, make sure you have the essentials covered. Purchase pieces that can work with each other and are timeless. You can easily update a simple black pencil skirt with tops and jackets yearly.

If you insist upon tucking your shirt inside your pants at all times, make sure you complement that look with a nice belt. If belts are not to your liking, try wearing a pair of suspenders. Match either your suspenders or belt with your shoes.

For boots and sandals, go with wedged heels. Wedges can make you look taller and therefore slimmer. When purchasing wedged heels, however, it is important you do not them too thick, as you may not even be able to walk in them!

A great looking purse can complement your outfit, but make sure it goes with whatever other bag you are carrying. If you carry a briefcase, it should look good with your handbag. Also, make sure you don't carry two different kinds of bags.

Keep yourself informed on the latest and hottest fashion trends by subscribing to a fashion magazine. They provide photos of what is trendy at the moment, and you will also be able to use the ideas to develop your own style.

Pay attention to the fabrics your outfits are made of. Look on the tag, it should list the materials used in making the garment. Your perfect fit might not be right after a couple of washes if you don't find the right material. There is no reason to invest in inferior clothing!

If you're carrying extra weight in your belly, avoid fitted clothing. Clingy, too-tight fabrics will only highlight the areas you wish to minimize. Wear loose clothes instead that will make your figure look better.

If you have frizzy hair, avoid rubbing it to dry with a towel. This can stretch and damage wet hair, encouraging frizz. Rather, just wrap your hair and squeeze to take the water out. When you are satisfied with the results, unwrap it and brush the hair with a comb.

If you desire to have fuller lips, there are ways to get it without going the cosmetic surgery route. Use a bright lipstick or a shiny gloss. The reflection of the light shade will increase the fullness of your lips. Do not use dark lipstick because it thins your lips out.

Extend the life of your favorite fashion items by laundering them with care. The care label is the place to look for adding longevity to your wardrobe. Follow all the instructions to ensure your apparel stays looking its best.

Add color to your hair if you want to have a vibrant look during the summer. However, your hair needs to be healthy so that the color doesn't fade too fast. Be sure that you use a high-quality hair conditioner to protect your hair when you color it.

Subscribing to a good fashion newsletter can help you stay up to date regarding current trends as well. Doing this well ensure you are ready for every season before it hits, and will be ahead of your friends on the fashion trends.

Once you have made it through this article, you should have all the key ideas to getting the elegant look that you want. Do not allow other areas of your life prevent you from looking and feeling your best.

About the Author
The Author is a fashion technologist specializing in denim fashion.

_________________________________________________________________

Do you like this post? Never miss out again when you click on the elegant chair below:

Or by entering your email here:

Enter your email address:


Delivered by FeedBurner

You can also follow me on Twitter, Instagram, and Pinterest for daily updates on my mundane musings.

This Week's Shopping Finds

I know I'm not supposed to waste money beginning this year, but I believe a grouchy saver is a bad saver. This is because a grouchy saver dreads the day his salary comes! Why? Because he thinks nothing good comes out of it. He becomes miserable. This is why I make it a point to also make "happy" purchases that won't burn a hole in my pocket.

I haven't bought any "wants" for this month, so to avoid feeling grouchy and deprived, I decided to shop a little this week. This is a good idea for me: allot one spending week for each month. It's just like diet cheat days! However, I'm careful that the spending doesn't exceed my budget. :-)

Enough about the talk, let's get to the actual work! Take a look at these cheap but cute finds I scored this week:

Hey Mickey!

Well, this is not an actual purchase I made. It's actually my younger sister's gift to Y, which we will be using in his upcoming birthday. (Next Tuesday! Gaaaah!) We bought it from Toy Kingdom, which had an Araw ng Dabaw sale where a lot of toys were on 50% off. This Mickey is included in the sale. It originally costs around P650, but we got it for just P300. :-)

It looks like a simple plush toy, but it isn't. What is it exactly? Abangan! :D

Moonwalk Harness as seen here

You have seen the Moonwalk Harness in my previous post. You see, Y isn't walking independently yet. I know he already has the ability to walk, but somehow he's still afraid to walk on his own. Also, he hates being in the stroller. So this harness is perfect in helping him practice walking! In addition, I don't have to carry him around. Whew!

Unfortunately, the harness is not on sale. I bought this for P399. It would have been better if it's also 50% off! #abuso

Tons of headbands! (Everything's new except for the three in the middle.)

Here's another loot for me and my sister! My mom and dad were in Uyanguren yesterday (that's Davao's Divisoria!), looking for Mickey Mouse decorations for Y's birthday. They chanced upon a store that sells headbands for cheap! If you're a long-time reader of my blog, you might have seen some OOTD posts of my sister. If you're observant enough, you will see that she wears ribbon headbands all the time!

Here are some OOTD posts: http://www.davaomommy.com/2013/03/its-been-ages-since-ive-been-out-on.html, http://www.davaomommy.com/2013/02/my-camera-less-sunday-ootd-and-other.html, http://www.davaomommy.com/2013/01/outfit-of-day-posts-co-instagram.html. Take note of the ribbon/flower headbands.

Imagine my sister's glee when the 'rents brought these kikay accessories home! They also bought three for me. Thank yer! By the way, these goodies only costs P5 - P25 each. ;-)

Iiiieeee *blush*

Finally, something for me! As I defensively mentioned above, I believe a grouchy saver is a bad saver. I don't have to be a miser. Budgeting money doesn't mean leaving nothing for yourself. In fact, when you budget your money, you also need (IMO) to allot something for yourself. This is what I call "Happiness Expenses."

Don't get me wrong; I just leave a certain 3-figure amount for my Happiness Expenses! :D

Anyway, last week, I was browsing my Instagram feed when I came upon a photo by prelovedbyazel. She posted this photo of a cute pair of sandals from Zara! The photo itself piqued my curiosity, but what's better is it's not preloved! You see, I have no problem buying preloved clothes, but somehow, I'm not very comfy with the idea of preloved shoes. Nice to know it's brand new!

Plus, it only cost me around P450. (Price of the shoes + shipping fee + Western Union fee). Isn't it a great deal? It arrived yesterday, and they're so pretty! I can't wait to wear them!

New sandals!

What about you? What are your most recent cheap "happy" finds? :-)

_________________________________________________________________

Do you like this post? Never miss out again when you click on the elegant chair below:

Or by entering your email here:

Enter your email address:


Delivered by FeedBurner

You can also follow me on Twitter, Instagram, and Pinterest for daily updates on my mundane musings.

Moonwalk Sunday

It's been ages since I've been out on a Sunday! Blame it on how my parents are often out of town these days (they'll be in Samal this Sunday!). You know how I look forward to Sundays! First, it's church time. Second, it's my self-imposed only dayoff of the week. Third, I just love family days! Fourth, I also love shopping malling. Good thing we were able to go out last Sunday!

This is a late post, I know.

But first, OOTD! :-)

The little boy lounges in the couch; he isn't wearing socks or shoes yet!

Tuxedo romper: Doomagic
(He actually wore this during his baptism.)

Trying to walk outside the house

Dress: SM Department Store
(I saw this exact same dress in aionlineshop.com for half the price! Not fair! :D)

Dress: Forever 21
Shoes: Parisian

After church, we went to Abreeza, which is just across the street. Why, you might ask? Well, they have a great grocery deal there. One pack of generic oats comes with one pack of Milo, for free! For both oats and Milo, you only get to pay around P50.

Segue: We are greedy Milo drinkers. We use up one pack after the other, so this buy one-take one deal is superb! Suffice to say, we hoarded. Teehee.

But before entering the mall, we "touristed" up when we saw these attractions outside:

A playground from Allegro's icecream. One cone of icecream allows you to use the slide for 5 minutes. We just took photos.

We also found this cute DAVAO display on the grounds. Of course, we had to take pictures.

I think they're just for the Araw ng Dabaw celebrations last week, but I hope they don't take it down! :-)

The elders and the baby stayed in the shade of course. That's Gonuts Donuts and Breadtalk behind.

After hoarding our oats and Milo packs, we went to SM Lanang Premier (duh). We were just walking along the aisles of the baby department store when a saleslady enticed us to buy this:

A Moonwalk harness!

We bought it immediately because when the saleslady tried Y in it, he walked and ran like mad. He liked it! Also, I love that I don't have to stoop down whenever I have to assist him walking. Plus it's so comfortable for Y because it's almost purely cloth. No hard contraptions except for the plastic snaps, which don't really come into contact with the bebe.

Y doesn't like to be seated in the stroller, and when we force him in, it usually results to tantrums and bad moods. But we let him walk whole day, via the Moonwalk harness, and he stayed happy! Happy baby = happy mommy. Whew!

Aside from the Moonwalk harness, we also have a couple of other great finds, which I will write about in the next days. :-)

_________________________________________________________________

Do you like this post? Never miss out again when you click on the elegant chair below:

Or by entering your email here:

Enter your email address:


Delivered by FeedBurner

You can also follow me on Twitter, Instagram, and Pinterest for daily updates on my mundane musings.

The Day of Reunions

I talk to my dearest college friends, Teena and George, almost everyday. But that's via Skype (and Line) because we don't see each other. You see, we live quite far from each other.

George and I used to be officemates, but then I resigned and began working at home a year ago. Residence-speaking, George lives in the south while I in the north.

On the other hand, Teena and I used to be neighbors. She used to rent a house in our subdivision and we would see each other regularly. That was almost a year ago, too. But she moved to Vietnam when her employer decided to do business there.

But Teena went home late last month, which means only one thing: reunion! Due to unforeseen delays and postponements, we only got to see each other last Friday, where we went to Abreeza!

First, OOTD! :-)

This was actually taken at the Family Lounge (more of this laterzz)
Heart-print romper: Forever 21
Shoes: forever Parisian
 Sheer maroon jacket/cardigan: My mom's

That jacket is an authentic vintage. My mom had it when she was in college, which was 30 years ago. She passed it over to me last year (which didn't fit at first because I was too fat!). Cool no?

We decided to eat at Shakey's because I was bringing Y and our yaya with me. :-)

Clockwise: Teena and George as Instagrammers, the stickers in the planner (my belated birthday gift to Teena), pizza (the only food I took a photo of), surprised Teena (teehee), me and Teena, and Teena and George

Unfortunately, I still look pregnant next to Teena. Hahaha!

...

Because it's my sister's last day of exams, she and our parents went to Shakeys, too. It was fun! After eating, I told our yaya to go with them, while we continued our chikahan in the Family Lounge. On the way there, we found this cool exhibit from D' Bone Collector Museum. 

Clockwise: The exhibit tarpaulin, me and Y looking at the other camera, George, me, and Y beside a  dolphin (?), me and an engrossed Y, Y, me, and Teena (happy family!), me, Y, and George

...

We proceeded to the Family Lounge. Imagine my pleasant surprise when I saw these people inside: my high school barkada! It's a reunion day after all! 

Osang, Noel, Zarah, Y, and me :-)

Photo from Osang's Instagram

These girls look so glamorous now! Of course, you too, Noel. Teehee. But what I'm referring to are their outfits, particularly their shoes! Unfortunately, Y was already acting up that time (it was time for his afternoon nap), so I wasn't able to take a photo of their shoes. Thank goodness for Instagram! I just grabbed another photo from Osang's account:

Don't these heels look divine? They're from Janilyn. Hmm, I wonder when I can wear high heels again. :-)

...

Before the day ended, my original reunion-mates and I just had to take outfit shots. Pardon our vanity; it's not everyday we see each other! Also, it's not everyday I'm outside the house! Teehee.

On Teena:
Jacket: Bazaar
Blouse: Bazaar
Jeggings: Saigon Square
Shades: Gucci

On George:
Dress: From Zamboanga City

(Left to right)
Teena's bag: Monte Blanc
George's bag: From UK! (If you know what I mean ;))
My bag: Fossil

Teena's shoes: Night Market HCMC
George's shoes: Celine

Now you know that among my high school friends and college friends, I have the ugliest feet. No kidding! Hahaha!

It was a fun day. We were meant to discuss a lot of things, such as business, but we spent lunch away laughing over mundane things. Another time, girls! :-)

*All the photos with watermarks are mine (most are taken by George). Those without watermarks are grabbed from my friends' cameras, smartphones, etc.
_________________________________________________________________

Do you like this post? Never miss out again when you click on the elegant chair below:

Or by entering your email here:

Enter your email address:


Delivered by FeedBurner

You can also follow me on Twitter, Instagram, and Pinterest for daily updates on my mundane musings.