Tuesday, March 16, 2010

The Benefits of Having a Good Massage


I was a bit stress out since the previous week, I need a massage to de-stress and to relax my tense muscles.


It was a good thing though that my father's massage session with his therapist ended late, I was able to catch the therapist at home and she obliged to extend her stay and accomodate another massage session with me.


The back massage really feels great. I almost find myself dozing off to sleep while she was massaging me.


Here are some of the health benefits of a good massage:

1. It boost the immune system. According to studies, massage lowers down the stress hormone called cortisol. This hormone kills cells that are important in developing our immunity. A massage lowers the stress level in our body and lowers our cortisol with this action from the body it wouldn't be easy for us to catch a cold and other illnesses.


2. It is good for our blood pressure. This is because a massage stimulates the pressure receptors that direct action from the vagus nerves. The vagus nerve regulates the body's blood pressure.


3. It improves blood circulation. The pressure from the massage brings a fresh supply of blood to muscles congested with lactic acid. The flushing of the lactic acid from the muscles also improves the circulation of lymph fluids that carries wastes away from the muscles and other internal organs.


4. It relaxes tense muscles.


5. It encourages relaxation.


With all these wonderful benefits one can get from a massage why not schedule a massage for you today.




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Wednesday, March 3, 2010

How To Save



Saving is something that a lot of people find really hard to do but we all know how important it is to save.




We need some savings to fund those unforeseen circumstances in life like retrenchment from work, accidents or illness or to fund our dream trip, wedding, car and the like.




Most people upon receiving their paychecks already have a mental budget on how they are going to allocate their money; with food getting the biggest chunk of our salary.




A lot of people can't save because their mentality is " I'm going to save, what's left from all my expenses." More often, there's nothing left to save because all is used up for all our various expenses for clothings, tuition fees, shelter and for the non-essentials like watching movies or dining in expensive restaurants or getting the latest cellphone model.




This is people's equation for saving:


income less expense = savings


We must treat our savings as an expense. We have to think of it as part of our budget.


In my case, I allot ten percent of my income for my savings. When it's payday, I just allow the ten percent to be left in my payroll atm and then the ninety percent I withdraw to fund my expenses.


My equation for saving is:


income less savings = expenses


Whatever is left from my salary after I deducted my savings is what I used to buy the essential and non-essential things.


It would be better if you have an account seperate from your payroll atm. Savings should have a seperate account. And once you have establish a separate savings account, make sure you don't carry your savings atm in your wallet so as not to tempt you to buy things in an impulse.


And yes, I do have a separate atm for savings. I withdraw the ten percent of my payroll atm and then transfer it to my savings atm.


My savings in the bank is allocated for my emergency fund. They say that your emergency fund should be equivalent to six months to a year of what you earn. Since, I started late with my savings, I'm still way behind my emergency fund.


And once, I've established my emergency fund I'm going to stop savings and put my alloted savings in my wealth fund and in my retirement fund.