Saturday, February 15, 2020

Saving Tips for Teens

Are you a teenager that is searching for ways to save money? There are a lot of reasons why you want to save. It might be because you want to buy a new gadget, or a new wardrobe. Whatever the reason, saving will help you prepare for adulthood and be responsible for your finances. Some of the advantages of saving include stored funds for emergencies, compound interest, and financial discipline.

Whether you are getting money from your allowance or from your summer job, you should start saving a portion of it as early as possible. You should learn to allocate at least 30 percent of your finances to savings, 30 percent to contributing to expenses inside the house, and 40 percent for having fun.

Here are some of the tips that you can do in order to save:

Practice setting a financial goal. Having a goal helps not only in motivation but also learning to prioritize the important things that you really need. Before going to the grocery store, write the essential items that you only need to buy. This way, you will have more discipline in spending your hard-earned money. Instead of having your parents spend for the things that you want to buy, you can use your own money to buy it. Aside from your parents saving their hard-earned money, using your own money in buying things will bring you a sense of pride and achievement.

Get a summer job or a part-time job. If your parents only advise you to save, advising will not do much impact on how you spend your money. Getting a job early will help you to be critical about your spending. After all, you have invested your own time and energy on the job. You will definitely value your hard earned money this way. It is also helpful if you were trained when you were a child to earn your allowance by helping to do the household chores.

Practice spending less and saving more.  Learn the difference between the essentials and the non-essential things. If you are going to work, you don’t need to spend $10 for a single meal. You can learn how to prepare home-made sandwiches. The sandwiches are healthier since you know what ingredients are included and you can also save more.

Keep track of your expenses. Write your expenses on a diary or download an application on your phone that can track your expenses. You will be able to see your expenses next month. You can also identify and remove the non-essential things from your budget.

The list just recommends some of the things that you can do to spend your hard-earned money as a teenager. You can read financial books, do an online research, or ask financial experts on other ways on how you can save.

Saturday, February 1, 2020

Must-Try Dishes around the World

If you’re taking a trip, you should try the best dish a country has to offer. It makes the trip to that country unforgettable and you can have an awesome experience in terms of food. Here is a list of famous must-try dishes on different countries around the world.

If you are going to Spain, you should sample their paella de marisco. This is commonly called Spain’s “seafood paella” and it originated on the east coast. This dish consists of white rice, different varieties of seafood, vegetables, snails, and white beans. Different seasonings and various herbs like rosemary, olive oil, and saffron are mixed for added taste. You will definitely enjoy your vacation when you are eating a paella while sun bathing on a Spanish coast.

You can try the traditional taco while in Mexico. This dish consists of wheat tortilla that is stuffed with seafood, beef, chicken, vegetables, and seafood. It is often garnished with salsa, onions, lettuces, tomatoes, cilantro, and chili. You can buy tacos in a lot of countries but the main difference of Mexican tacos is the tortillas are always made of corn. The tortillas are also very soft when compared to other countries.

While you are in Japan, a definite must-try is a dish called ramen. It consists of wheat noodles, served with a broth made from fish or pork, and topped with sliced green onions, pork and dried seaweeds. You need to eat the ramen with chopsticks and you should slurp the dish to show respect to the chef.
You can add crepe as a must-try while in France. This dish is made up of eggs, milk, butter, and flour. The ingredients are mixed together and the batter is poured to a circular hot plate. Different spreads are added including Nutella, whipped cream, custard, maple syrups and fruit spreads. The main difference of French crepes from other countries is they are extremely thin.

 Italy is famous for its pasta. Italian pastas are commonly hand-made. The sauce is tomato-based, and olive oil is predominantly used. You can definitely feel the Italian hype while gazing at vineyards, drinking red wine, and eating Italian-made spaghetti.

While you are in the US, try their best-tasting hamburger. Burgers are made of ground beef seasoned with salt, soy sauce, and pepper. The ground beef is sandwiched between two-circular toasted breads. Ingredients such as pickles, cheese, lettuces, onions, pickles bacon and tomatoes are commonly served with the patty. 

If you decide to visit Canada, a must try is Poutine. It is a dish made with French fries, topped with cheese curds, and sprinkled with brown gravy. The gravy is usually made of chicken or turkey and is very light. The dish was thought to be originated in Quebec Canada. The dish is definitely tasty even though it is made of only 3 ingredients.

These are just some of the dishes that popular country destinations have to offer. Since you are seeking the place’s culture, people and history, you will connect more when you experience and taste the food of the country.

Monday, January 13, 2020

Healthy Eating

Making a change in your lifestyle can be hard. You might look in the mirror one day and realized that you need to exercise, and eat the right kind of foods. If you are struggling with your diet, here is a guide for eating healthy.

  1. Differentiate the healthy foods from the junk ones. Healthy food means that it came directly to the source. These are fruits, seafood, eggs, vegetables, milk, meat, and nuts. They are the ones which grow directly from land or came out of directly from the sea. Junk foods have a lot of processed ingredients, or came out of vending machines, came from a bag, wrapper, box, or a drive-thru window. These ingredients have been processed for at least 10 times before they became the food that you are eating. If there are so many ingredients, then that food will not make you healthy.
  2.  You have to be mentally prepared if you want to make a change on your diet. Preparation and planning don’t happen overnight. You must determine the difficulty of the change that you want to make. List them so that it will serve as a goal for you. You can set how many pounds you want to lose within a week, how you deal with change, and determine why you are making that change. Start with small steps like not eating that extra dessert after lunch. Small steps can lead to great changes if you follow the plan.
  3. Always think positive. Remember that you are not depriving yourself of ice cream, doughnut or your favorite cake. You are actually saving yourself from extra calories. You want to feel and look good. You want other people to admire your body figure and you want to set an example to your family. By not eating those extra calories, you are able to exercise self control and delay gratification.
  4. You need to track your calorie intake. You need to list that M&M’s you ate for break, or that extra soda that you drank for lunch. Every calorie counts. You may start by losing 500 calories per day and decrease the calorie intake for the next succeeding weeks. 
  5. Not all calories are created equal. 3,000 calories of chocolate chip cookies will not work the same as 3,000 calories of fruits, vegetables and meat. Eat more of natural foods so that you instead of processed carbohydrates.
Changing your diet requires patience. You might be better off by taking small steps rather than making a huge change this week, and going back to your regular unhealthy diet the next. You can download weight loss guides and healthy eating tips on the internet or research more on how you can do permanent and lasting changes to your body.

Wednesday, January 8, 2020

Guide to a Healthy Diet

A healthy diet is not about being overly thin and depriving yourself from your favorite foods. It is basically about feeling good about your body, have energy to do daily tasks, and having mood stability. Studies show that a healthy diet has a profound effect on your mood. Eating the right food can lower the symptoms of depression, anxiety, and stress.

A healthy diet consists of having the right amounts of fat, carbohydrates, proteins, calcium, vitamins, and fiber. Fats such as Omega 3 can help protect the brain and the heart. Omega 3 is an example of a good fat. It can help trim your waistline and improve your mood. Carbohydrates are your body’s source of energy. It can come from whole grains, fruits and vegetables. You should limit your intake of white bread, pastries and sugar since they can increase your waistline, and can cause mood fluctuations. Protein is common with meat products but there are also plant-based sources of it. It helps us have more energy and supports a lot of brain functions. It is important to include calcium in your daily diet since it helps strengthen the bones, and teeth. It also prevents osteoporosis, and helps a lot to prevent anxiety and depression. Common sources of calcium are milk products. Fiber-rich foods include fruits, nuts, beans, vegetables and grains. It improves your skin tone, and lowers the risk of stroke, and other heart diseases.

You can start with small manageable steps instead of making a drastic change on your way to a healthy diet. You can start by preparing your own meals. Aside from saving a lot, you can control your calorie intake, and avoid unhealthy fats and sugars that are included in packaged takeouts.
You should make sure that you are making the right change. An example is replacing butter with applesauce or replacing your favorite fried chicken for a grilled salmon. Changes like replacing your favorite cake for a donut will not make a difference since they both have refined sugars and they are bad for your health.

You should eat foods that make you feel better afterwards. Healthy food gives you more energy and can improve your mood. On the other hand, junk foods can make you feel moody and irritable after eating them.

Aside from these tips, you can add sweet vegetables such as onions, carrots, squash, bell peppers, and potatoes to substitute for desserts. Add more color to your dish while you are cooking them. Eat a lot of fruits for dessert, and drink plenty of water to help flush the toxins in your body.

Sunday, December 1, 2019

All about Bitcoins

Bitcoins are digital currencies use to pay for transactions. It was invented by an unknown computer programmer called Satoshi Nakamoto. No one was able to confirm the identity of Satoshi. He, she or they disappeared from the Bitcoin world 2 years later after the software creation. As of this moment, a Bitcoin’s value ranges from $4000 to $4100.
Bitcoins are decentralized. That means that like the internet, there’s no central authority that controls the transactions. It provides anonymity to the people who do these transactions. Each transaction is recorded in a public ledger called a blockchain. These transactions are validated by network nodes and they are broadcasted and published to other nodes. If payer Y sends Bitcoins to payee Z, the sender can’t take back what he sent, unless payee Z decides to return the Bitcoin to the original sender.
As of the moment, it is believed that there are 21 million Bitcoins that can be mined. Cryptography controls the creation of Bitcoins. Miners collect and record transactions into a block. This makes the blockchain unalterable. That means that if a person makes a transaction, it can’t be undone. The blockchain has a proof-of-work system that makes the modifications hard.
To get Bitcoins, you should first setup a Bitcoin wallet. There are many sites in the internet that offers Bitcoin wallets. Just make sure that they are secure and legitimate. Bitcoins can’t be counterfeited. This is a convenient way to send and receive to anyone, anywhere in the world at anytime of the day.
Ways to earn Bitcoins are the following:
You can buy Bitcoins from someone you trust, or you can accept them as payments for goods and services. You can also earn them for free. You can join blockchain games that pay in Bitcoins. These phone applications have many advertisements. Bitcoins can be mined. You can use a specialized hardware and software to process the mining. It takes time and the mining is very competitive.
 Ownership of Bitcoins requires user to have a private and a public key. In order to spend the Bitcoins, a user should have knowledge of a private key. This key is the only proof that you own the Bitcoins. Bitcoins are currencies which are deflationary in nature. That means that since there are only so many Bitcoins that exist, the value will rise in time. You can research more about the process of accepting Bitcoin payments, whether you should use your credit card to buy Bitcoins, and the latest conversion of Bitcoins to your currency.