Category Archives: Relationship lifestyle

13 Mistakes we do when spending money

MONEY MISTAKES

Money Mistake 1
Never borrow money that accrues interest to start a business . That is to say, never borrow money to start a business expecting that the business will generate income to pay back the borrowed money plus the interest.

Money Mistake 2
Never spend money you haven’t received. Don’t even promise someone money based on a promise you have from someone else. If someone tells you: “Ezra, come to my office tomorrow at 9am and pick #30K”don’t go out to buy items on credit based on this promise, with the hope that you will pay off your creditor when the promised money comes; it may not come as promised and this will leave you in problems with your creditors.

Money Mistakes 3
If you want to save, whenever you receive money, don’t start spending hoping that you’ll save what remains. Normally what remains is zero because as long as money to spend is available, the numerous things you can spend it on are also available. And things to spend on even incite their ‘relatives’ so that you spend even more than you had planned. When money to spend is not available, we naturally find a way of doing without it. Before you spend any money, put your savings aside then spend what is left after saving.

Money Mistake 4
When you get an opportunity to meet a very wealthy person, never ask for money. Ask for ideas on how to make money. They may even choose to give you money on their own after seeing that your ideas are great, but let getting money from them never be your objective.

Money Mistake 5
Keeping your seed instead of planting it. Many people stop at saving. It’s very, very difficult to save and have all you need to maintain your lifestyle especially after retirement. When you save, your savings are seed; plant it. When you just keep the seed (saving money) some seeds begin to die (eaten by inflation and the like). That’s why I recommend that you read about the different types of investment vehicles you can use to grow your savings. I am not necessarily talking about putting the money in a business, because you can easily lose money in business. I am talking about putting it in an investment.

Money Mistake 6
Never lend someone money you are not willing to lose. By the time you lend someone money, be contented in your heart that should the person fail to pay, you will not die. You should not even lose that person’s friendship if they fail to repay the money you lent them. If you feel the person might fail to pay you and this will not affect your relationship with them, then lend them money. If their failure to pay would make you hate this person’s entire clan, please advise the person to go to the bank.

Money Mistake 7
Never append your signature to guarantee someone on a financial matter if you are not willing or able to pay the money on their behalf. Do I have to explain that one? No, it’s self-explanatory.

Money Mistake 8
Avoid keeping money you don’t intend to use in the short-term within easy reach. For instance, don’t walk with #100K in your pocket when all you plan to do in a day costs #20K. Like I mentioned in Money Mistake 3, there are always expenses available to gobble any money that is within reach, so if you don’t want to lose it, put it away in a safe place.

Money Mistake 9
Avoid keeping money in inappropriate places e.g. in socks, under the pillow, in a pit, in the sitting room, in the bra, in a travel bag that you will place somewhere in a bus … impulse buying is a devil that will keep you busy!

Money Mistake 10
Spending money on an item that you can do without (at least for the time being). These days when I pick money from my pocket or wallet, before paying for something I ask myself: What would happen if I didn’t buy this? If I find I can live with the consequences of not having that thing, I smile and walk away.

Money Mistake 11
Paying an amount for something that’s not the minimum you can get that same value for. In other words, if you are along east Legon road and you pay #5K for a shoe that you can get at #3K at Makola market, that’s a money mistake except for those who have achieved financial freedom.

Money Mistake 12:
Consistently spending all you earn or more than you earn. It’s like having a drum where you have an inlet that’s smaller than the outlet. It will never get full. And should the inlet ever reduce significantly the drum will run dry. If you do it the other way round and the inlet is bigger, it will get full and even overflow. Hence, we have to always ensure we are widening the inlet while narrowing the outlet – all the time. Your side hustle comes in handy!

Money Mistake 13:
Thinking about short-term only and forgetting about long-term or thinking about the long-term and forgetting about the short-term. For instance, Lydia was told that there’s money in land. She saved money over a long period of time and bought 30 acres of land. Now she has the land but she is always broke. She is always complaining. She’s disgruntled and she doesn’t seem to see herself earning from the land in the near future. Now, let’s ask ourselves: Having 30 acres of land and no money to feed your family or take a child to hospital, is that wealth or poverty? I think Lydia only looked at long-term needs and forgot that she has short-term needs that require money. What of those who find they are one paycheck away from salary? Are they thinking about the long-term needs?

Let’s take stock of our finances. How many mistakes are you guilty of? Do you now feel better-equipped to do better with these tips? Good luck, savers!

God bless you as you work on your financial prudence as we match into 2018

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4 Things Things Pregnant Women Go Through During Delivery

Bare in mind that all labour and delivery nurses have seen so many kinds of butts and boobs, blood and babies. Many women, especially new moms, wonder just what goes on in that mysterious delivery room. If you’re delivery expecting your first, here are some tips to keep in mind

1) Pregnant women puupu during delivery

You may have heard the rumor going around that some women puupu while giving birth. I have news for you: It’s true. As horrifying as it may sound, puupuing on the delivery table is actually a good thing. It tells us that you are pushing the right way. You may be relieved to hear that your body naturally clears the way for baby before the active pushing stage, so if your nurse gives you the okay, visit the facilities during early labor. And to further put your mind at ease, know that I mean it when I say: your puupu is really nothing special.

2) How They Position during delivery

When you think about birth, what image comes to mind? A woman in the semi-reclined position, sweating while screaming obscenities at her clueless husband, right? Well, believe it or not, you do have a choice in the position that you deliver in. The whole semi-reclined thing came about more for doctors’ convenience than anything else. Listen to your body while you are in labor and go with what feels right to you. Depending on limitations from your form of pain relief (like an epidural) you may be able to deliver squatting, standing, side-lying, holding onto a bar, or even on all fours.

3) Blood from ur vagina

So a bloody battle happened between your legs, but thankfully you’ll never know. Labor and delivery nurses are quick on the draw when it comes to cleaning up the aftermath. Look for phrases like “a little tear” or “a quick stitch” for clues to what really happened down there. Hint: Use that squeegee bottle (you’ll know it when you see mind

4) All women labor in different ways

Try not to listen to your neighbor, your great-aunt Mildred, or even your mom on this one. The fact is, no woman experiences childbirth the same way. My mother swore up and down that contractions were hard but pushing was painless. Fast forward a few months and after cruising through my contractions, I found myself cursing her as I pushed out what felt like a burning bowling ball of fire. You can’t predict how labor and delivery will feel for you, so don’t even try

Tanielle a makeup artist Shocks her followers after removing makeup from her face.

This makeup artiste has left not only her followers amused, but also the rest of social media after she share photos of her taking off her makeup begun trending online.

The artiste, @tanielle took many by surprise after she revealed a huge cake of make-up concealing her real face in the photos now making rounds on social media, the artiste’s real face which is covered by acne can be seen in contrast with makeup on her face.

People were left surprised at the huge cake of make-up she uses to cover her acne, and some others saw it as deception, realists said she needs to let her face breathe so she can treat the acne instead of masking it up.

Caution “You Will Never Carry Your Mobile Phone To The Toilet After Reading This

75% of us use our smart phone whiles attending to nature’s call or in the toilet room.

We all take our smart phones or tablets to the toilet. In fact it has become a very common habit among Phone users.

But according to scientist it is very dangerous habbit and exposes the user to all forms of infections by bacteria such as E. Coli or Salmonella which which can o a lot of damage to the body system.

Are you wondering how that is possible?

Dr. Lisa Ackerley has the answer. “If you wipe your bum then pick up your phone, you may as well not bother washing your hands because all the bacteria you put on your phone will end up back on your hands,” she says.

What option then do phone users who have grown addicted to this habit have?

Well, according to Dr. Ron Cutler, not taking your phone in the bathroom is the right step. “Basically, you just shouldn’t (take your phone into the toilet) if you are at all concerned about the transfer of viruses and fecal contamination.”

The doctor went on to explain that the level of contamination depends on the location of the toilet facility.

Compare to offices and home toilet facility, public toilets have high increase risk of infection.

He went on to explain that virus transmission is very common and can be transferred by anything. A such its not restricted to only by hands or air

A single spray from the toilet can travel six feet from the flush and end on your toothbrush, which is why it should be in a closed cupboard.

Germs can even survive on your phone for days! “Phones heat up a little bit giving bacteria a nice warm environment. If people handle sweets and leave a sticky coating on the phone, that’s an even better place for bacteria,” Dr. Cutler says.

This is why it’s very important to wash your hands well with soap and water any time you’re using the bathroom.

With such knowledge, you should try as much as possible to leave the phone when attending to nature calls. Prevention as always is far better than cure.

Dr. Joe Abah -Fifteen Factors To Live WIth YOur Wife Happily

Dr. Joe Abah said he has being happily married for 25 years and he would like to share his experience to his fellow men in other to have the same too.Below are the following factors.

  1. You see,there is division of labor in marriage.
    What says about the house goes
    furniture,curtains colours,throw pillows,blinds etc.

2.As a man you only know basic colors.
Don’t even argue about the difference between fascia pink and a coral pink or between blue and cobalt.

  1. Tell madam the party starts at 8pm when its actually starts at 7pm.
    Be ready at 6:30pm and offer to help iron,get her slippers .etc.

4). You,d better be seen to be ready before your Madam don’t go and start watching a match and think I only need 15 minutes to get ready?

5)There’s absolutely no need to prove to your woman that you are a man.
All you need to prove constantly,is that you love her.

6) The fact that you love your kids which she bore for you,is not the same as showing her love in her own right time. Don’t get it twisted

7) Your woman wants you to be hard working but also to stay with her all day.Deal with it.
Come home early occasionally let her know you did.

8)Free her from cooking at least one day a week.I choose Sundays.Make her feel special on Mother’s day and on her birthday cook for her.

9) Remember that you have left your father and mother to cleave to your wife and you two have become one.

10)Support your wife work.learn about it.Help her prepare spreadsheets and invoices let outsiders know that she is not alone.

11) If she waits to go into business,support her,even if you don’t think it a good idea.
Don’t doubt her intuition.If it feels nothing spoil.

12) If your woman tells you to be careful with one of your friends,be careful.
Be very careful women have  third eyes and can read body language

13) Never disagree with your woman in front of the children Never? You can always talk to her later always present a united front.

14) Women are more particular,always ask her where she wants to sit in a restaurant and which chair she prefers to sit on.
She will always criticize your driving and tell you "park there" although it’s the only packing space left.Thank her for spotting it.

15)  You will not believe many weeks of peace an occasional inexpensive gift that you spent hours choosing will buy you.

Words from Dr. Joe Abah, we thank you soo much.

Images of Dr.Joe Abah

 

Women – Do You Know There Are Five Types Of Vagina In The World

As Mel noted, “This isn’t a mathematic algorithm. This is just to help women understand this weird ‘secret’ [the appearance of our vaginas] we keep from our friends and society at large is not as scandalous or peculiar as we may have thought.”

The five types of Vagina are

1) Ms. Barbie Vagina

This type of vagina is very rare ,few women have it.

The Barbie look features a vag where the labia majora (outer vagina lips) completely contain the labia minora (inner vagina lips).

Ms Barbie Vagina

 

 

2. Ms Curtains Model

This type of vagina is very common.

In the Ms. Curtains Vagina, the labia minora actually hangs out of the labia majora

ms curtains

 

3. Ms Puffs Vagina

The Ms. Puffs vagina is similar to Ms. Barbie, but the lips stick out a bit more from the pubic bone.

ms puffs

4.Ms Tulip Vagina

Ms. Tulip is so named because of her resemblance to a blooming flower. The labia minora is exposed “through the entire length of the labia majora,” writes LeeLo.

ms tulip

5.Horseshoe Vagina

Finally, the Horseshoe vagina has an opening at the top which reveals the labia minora, but then the labia majora cover the labia minora at the bottom.

ms horseshoe

So my dear beautiful ladies around the world you read carefully and identify yours.

No matter how your vagina looks like trust it amazing and perfect.

Sex can fight againts colds and flu

According to studies  people who have sex more than once a week have 30% higher levels of IgA than those who abstain.

What is Iga?

IgA  (Immunoglobulin A).  antibodies are found in areas of the body such the nose, breathing passages, digestive tract, ears, eyes, and vagina. IgA antibodies protect body surfaces that are exposed to outside foreign substances. This type of antibody is also found in saliva, tears, and blood. About 10% to 15% of the antibodies present in the body are IgA antibodies. A small number of people do not make IgA antibody

So having sex once or twice a week has been found to raise your body’s levels of an antibody called immunoglobulin A, or IgA, which can protect you from colds and flu.

Now you know…

What Will Make Your Woman Need You More

A woman was recently interviewed  on one of
Nigeria’s famous channel on sexuality issues.

She was asked if she had an opportunity to
come to this life again what will she like
to change

Her reply was amazing, she said I pray i
don’t meet the first man i ever meet in my life

She was further ask why?

And her reply was simple

He can not perform like a man on bed
that was why I left him

She said she can never stay
with a man who can not perform in bed

And if she does surely she must have a side guy
to satisfy her sexually

Most mean don’t know that  women hate men who
don,t Last Long on bed

Some will just pretend as if everything is right
but will have a guy somewhere to satisfy their
sexual urge.

Don’t be a victim

Be a strong man on bed and satisfy your wife

HOW LADIES EXAGGERATE ABOUT A GUY’S HANDSOMENESS

Have you ever, as a lady been curious as to what makes a handsome guy and vice versa.

Today I ask myself what contributes or classifies a person to be handsome and cute as some ladies will put it.Is it his eye brow,eyes,lips,nose,hairstyle,height….what really attracts your eyes?Guys;is it their shape,make-up,complexion,weight,hair style….what really make u say this lady ‘di33’…she is pretty or even ‘hot’?.I am curious as a lady because I have also experienced this.A guy walks into the hall and all that comes into mind is that, this guy is good-looking.But I’ve not been able to understand how our eyes can detect which part actually attracts your eyes.It is undeniably true that God’s handiwork is beautiful.
So back to what I was saying,he walks into the hall,fair looking,tall and dressed in a yellow polo to match a neat black jeans.He walks in and all you see is stars around him that makes his face shine before your eyes.He smiles at you and you feel heaven has opened to you here on earth.And he passes by and you ask yourself ,’Where have you been all this while?’ As you sit,you just wish he said hello while he passes by.
After he passes by,you turn to look at him at least one more time in order to find where he sits.Ooh ladies,how curious our mind and eyes can be.His image can stay with us for as ling as we decide to keep it.
How exciting it will be when you see him playing the keyboard during worship and praises.Allow me to let this secret out.Ladies admire ‘church guys’;especially those who sing and play instruments.
After praises he sits right opposite you and from there u plan your every move…
to be continued…. in our next article

Written by: Cathryn Owusu  katryn {www.kakalikabi.com}

5 REASONS WHY AFRICAN WOMEN WEAR BEADS ON THEIR WAIST

Beads are normally  small and spherical piece of a material  such as glass, plastic, or wood, that is pierced for stringing or threading to serve a purpose of beautification for the waist, neck or ankle beads.

Recently in my country (Ghana) beads making is rampant and its been used for making foot wear handbags,necklace etc.

fhgfbbbeads

Waist Beads are common with  young and old African women and they are an excellent tool for women to feel more feminine and beautiful.

The tradition of wearing beads is an age long one.

  1.  Beads are worn around African  baby girls  to enhance their curves and also to give them shape as they reach their adolescent stage.

2. They are worn as way of preventing obesity or also for their ‘healing’ and therapeutic powers.

3.Waist beads possess some erotic imploration and have the power to arouse  deep emotional response on men.

4. Wearing of beads can easily tell an African woman whether she is gaining or loosing weight.

5. Beads are worn as a form of birth control.

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