Dating Don’ts… Especially In Your 30s!

Still single and already in your 30’s? You’re having a hard time, and everybody seems to want to let you know that they know. You’ve been dating, too, but you just can’t seem to find the one true love that will sweep you off your feet. Sure, it can get hard, but there is no reason for you to start thinking you’ll probably end up living alone. There are a lot of things that you can do to have fun and find love, and one of the best ways to successfully achieve that is to stop committing these dating mistakes.

No, You Can’t Find Prince Charming

Looking for perfection. There are standards that you should adhere to when you’re trying to find the one person that you’ll be spending forever with, but that doesn’t mean you shouldn’t ever excuse common human failings whenever you see them. Nobody is perfect, and the sooner you accept that, the bigger the rewards will be.

3 Dating 'Don'ts' For Strong Women

3 Dating ‘Don’ts’ For Strong Women

Waiting for a fairy tale romance. Your friends tell you the reason you’re still single is because you keep waiting for a love story that brings to mind tales from your childhood. Believing in the existence of such movie screen-romances is good, but being grounded in reality is better. When you come across the person that stars in your love story, you’ll be putting those princesses to shame.

No, You Are Not Hopeless

Wallowing in self-pity. Dating is always a nice experience, and you should try to have as much fun as you can. Don’t ever think that you are undeserving of finding the same kind of happiness that all your friends have found. When you start appreciating yourself better, someone who deserves you is bound to do an even grander job of that.

Dating a certain type. Some of us think that we are only able to date certain types of people, owing to reasons that stem from a false belief that anyone better will not be interested. Break out of your dating comfort zone, and be open to new possibilities.

Dating Don'ts: How Not To Approach

Dating Don’ts: How Not To Approach

No, You Are Not Desperate

Settling for less than what you want. You’re single, and the world is your oyster. Looking for the right guy may take hard work and an incredible amount of patience, but don’t take it to mean you should just go for the nearest one because you’re running out of time.

You’re in your 30s, which means you have learned things that younger people can only dream of. It’s time to be the amazing person that you are, know what you want, and pursue your happiness.

Simple Exercises That You Can Perform Anywhere

It can’t be denied that everything in this generation is fast-paced. When you want to drink coffee, you can immediate have one through instant coffee. If you want to get some answers to your questions you can have the internet as a quick resource. If you want a quick access to social media websites, you no longer need a laptop or a desktop computer. You can just access it through your smartphone. If you want to exercise, you can do it also anytime anywhere. Here are some routines that you can perform anywhere.

Chest push-ups

This is considered one of the classic exercises that is effective and can be done anywhere as long as you have a flat surface. You need to place your hands flat on the ground should-wide apart where the elbows bend close to 90 degrees. You need to bend your elbows until your chest is close to the ground. You then push yourself up slowly but you have to make that your elbows stay to your body as possible while keeping your body straight. This exercises your arms, your chest and your core.



Triceps Dip

This is another great exercise that targets your triceps. You just need to look for a flat area that is close to a bench or a step. You need to sit on the ground while bending your knees slightly. Push on the edge of the step or the bench and try to make your arms straight. Then go down and bend your arms back to a 90-degree angle and push back again to straighten your arms. Your heels should also push the ground. You can many modifications of this exercise that will surely give you a workout.

L seat

You will surely need to take a load off with this exercise routine. You just have to extend your legs while sitting with your feet slightly flexed. You need to place your hands flat on the floor again and along your torso. Then, slowly lift your hips from the ground and try to hold the position for about five seconds. Then you need to release. Repeat the same form over and over again.

Arm circles

This is another easy exercise to perform. You just need to extend your hands perpendicular to your body and in line with your shoulders. Rotate our hands along your shoulder first clockwise then counterclockwise. This is a good warm-up and cool down exercise.

5 Body-Weight Exercises You're Performing Wrong

5 Body-Weight Exercises You’re Performing Wrong


When you know these exercise routines, you can actually do this in the office, at home or even in your garage. If you become fond of performing these exercises, you can do this often and make this your daily routine. When you become comfortable with it, you no longer have to go to your fitness gym to exercise because you do everything on your own. This plus combined with the right amount of sleep and a balanced diet will surely work wonders for you.

5 Mistakes To Avoid During Mortgage Renewal

Mortgage payment is one of the biggest expenses for many people. When it is time for renewal, most people automatically sign. They don’t even try to look for a better deal. If you aren’t interested in getting a better rate, you can always renew your mortgage. But if you want to pay less, then you should avoid these 5 major mistakes.

  1. Not looking for a better rate early on

If you know that your mortgage is already up for renewal in a few months, you should begin looking for a better rate. You can do it 4 to 6 months before renewal. By this time, lenders can still give you a discounted rate. In case your present lender increases its rates, you know where to go. If it decreases, you can try to negotiate and ask for an even lower rate.

Mortgage Broker News and tips

Mortgage Broker News and tips

  1. Not knowing the current rates from other lenders

Before you even negotiate with your bank, make sure to know the offers from other lenders. There are a lot of sites where you can find the current rates from different banks. This information is very helpful as it allows you to compare the rates and find the lowest one.

  1. Accepting the posted rate

If your current lender has everything you need such as mortgage features and policies, ask them to give you a lower rate. Show the rate that a competitor is offering you so they can match it. Don’t just say yes to whatever rate they impose on you. Also, you should realize that you will never get a better rate if you do not ask for it.

  1. Not negotiating on other options

It isn’t just the interest rate that you should negotiate with your bank. Even the amortization period can be negotiated. You can also talk about the rate type, whether fixed or variable, as well as the payment schedule. A flexible payment schedule can be very helpful in lowering your mortgage payments.

Mortgage Mistakes to Avoid

Mortgage Mistakes to Avoid

  1. Not asking for the help of a broker

If you’re too busy to look for rates or you simply don’t like negotiating, find a mortgage broker to help you. They usually don’t charge clients anything and only get a commission from lenders. People tend to pay less when they use a broker than the individuals who do not. What you need is a good broker who can find you a very good rate. If you end up with a good broker, you can save more than a thousand bucks on interest rates over 5 years. A good broker will not just give you a better rate, but will also give you a mortgage that has lesser restrictions.

Mortgage payments can be a headache especially when they’re quite high. There’s always a way to reduce your rate and the perfect time to do that is during mortgage renewal. Avoid these mistakes and you’ll surely get a better rate. Don’t just sign the paper and stick to your current lender. Never forget to negotiate. And if necessary, don’t hesitate to switch to a new lender.

A Time Well Managed: For Working Parents

Being a parent is hard enough, what more if you’re working on the side? It got you thinking that the last time you slept peacefully for 8 hours was 5 years ago. You can’t help but compare yourself to a circus clown, juggling several colorful balls while riding a unicycle and jumping through a ring of fire. You can do all those tricks and still manage to smile.

Being a parent doesn’t mean that you have to be that talented, all you need is “time management”. This will enable you to get the work done and have enough time for PLAY. I strongly believe that the way to manage time is to manage your activities. Here are some tips for working parents who are tired of their day to day battle with time:



  1. Know Your Responsibilities

Knowing your responsibilities will allow you to calculate or estimate how much time you need to allocate in one activity. You can create a list of the things you can do on your spare time. If you work 8 hours a day, you have 4 hours spare time before you actually go to sleep. If you work part time then it would be much easier for you to create that list. Be creative.

  1. Stick to Your Schedule

Sticking to your schedules makes it much easier for you proceed to your next step. If something comes up really important then you can rely on your back up plans to cover or take care of the damage. This brings us to our next step.

  1. Create a Backup Plan

Your backup plan doesn’t have to be complicated; I mean you’re not robbing a bank or anything. You simply need plan B’s or C’s and so on. Just in case for scenarios like you can’t pick up your kids from school or if you don’t have time to cook dinner for your family etcetera, the list can go on. Aside from a backup plan, you need someone to back you up too.

Parents' relief after baby

Parents’ relief after baby

  1. Know Your Allies

You need to know those people whom you can rely to for unexpected emergencies. They can be your best friend or your close relatives or neighbors. You need to let them know that they’re part of your back up plans, that way they can also fit you in their schedule and vice versa.

  1. Time Flies When You’re Having Fun

You’re already very busy and by the looks of it, your kids will not grow up overnight. So, it seems like whatever amazing & brilliant plan you have in mind to make things work for you and your family, you’ll be stuck in the same old routine. You might as well figure out a way to make it fun too. You can pull off a couple of surprises just to add something new to the routine. Innovation can keep you going.

It really depends on what plan you have in mind since we do things differently. I hope these tips will really help you create a much clearer path, since it worked wonders for me.