Tuesday, April 17, 2018

Why get clip-in hair extensions at BestHairBuy?

Want something new, a new wardrobe, a new shoes or maybe a new hair look for the season? 

A new hairdo defines some change in fashion, mood and even in the sense of style. We normally get up in the morning, wishing our hair will go as natural and manageable throughout the day, as the saying goes...no woman wants a bad hair day mood. 

And there are times as we go on our daily routine, we sometimes neglect to care hair properly. For so many reasons like using a new hair product brand or too much sun exposure because of job-related reason, or just simply have no time to do so.  

Right, now we can result in temporary hairstyles, trendy, fashionable and of course affordable too! Clip-in hair extensions are popular! 

What is clip-in hair extensions? 

It is a do-it-yourself hair extension system, easy to use, and now long-term bonding. You can find the perfect match for your hair color, hair length and how thick or thin you want for the extensions. It is basically made from human hair, so caring for it is the same as your natural hair. 
You just have to clip it to the natural hair, you can add volume and style to your natural hair. 

Why do you need to get clip-in hair extensions?

It is aesthetically beautiful, it can give you that extra boost and style. It can also define your personal style when it comes to hairstyles using clip-in hair extensions.

BestHairBuy offers a wide-array of clip-in hairstyles, length, color, volume and also affordable prices which you can choose from.
Some of the styles I am eyeing from the page, which is very trendy in styles.

What I like about this style is it looks so natural, well most of the hair clip-in extensions look natural, but this one suits well with my hair color so I am choosing this one as my initial choice. It looks fresh, fashionable and glamorous. 

It creates a layer in the body of the hair. The color goes perfectly well in fair to light complexion. You can adjust the layers of the clip in extensions according to your preferred style and length.

BestHairBuy hair extensions
For people with thin fine hair, it adds volume and length to hair, it creates wonderful layers that looks seamless. 

Aside from discounted products, almost everything is on sale! You can get the most amazing hair products at a much lower price. 

Here are some discounts, codes and other freebies you can enjoy when you purchase: 
  • Earth Day 2018, 15% OFF (ED15 for orders over $139)
  • Items on sale from 20%-30% off

They ship worldwide, payments can be made through VISA, Mastercard, and Paypal. 

"Besthairbuy" is a combination of "Best Quality" "Best Price" and "Best Service" We promise the high-quality product and good price. Best customer experience is our core purpose. We pursue the latest fashion and aim to deliver the beauty and glam to every woman.

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Thursday, April 12, 2018

RCBC Net Income for 2017 at P4.3 billion, up 11%

Rizal Commercial Banking Corporation posted an unaudited consolidated Net Income of P4.3 billion for the year ended 2017, 11.4% higher than the P3.9 billion reported in 2016.

Net income in the fourth quarter alone grew by 146% to P904 million compared to P368 million in the same period last year driven by a 27% growth in Net Interest Income and a 19% growth in Non-Interest Income.

For the full year 2017, Net Interest Margin (NIM) remained strong at 4.24%, an improvement of 19 basis points from the 4.06% recorded in full-year 2016.

Net Interest Income reached P18.0 billion with 15% growth year-on-year. This was driven by the Bank’s vibrant lending business with Total Customer Loan portfolio expanding by 16% to P353 billion. All market segments sustained their growth with 12% growth in Corporate loans, 39% growth in SME Loans, 15% growth in Consumer Loans and 29% growth in Credit Card Receivables. Rizal MicroBank (RMB), the Microfinance arm of the Bank that provides financing requirements for micro and small enterprises, increased its outstanding loan portfolio by 39% year on year, through continuous efforts to enhance its current loan products responsive to the needs of its mandated market segments.

Total Gross Income reached P25.1 billion with Total Other Operating Income reaching P 7.1 billion or 28% of Gross Income. Fees and Commissions, which include card-related fees - both credit and debit cards, Trust fees, and Fees on investment banking and loans were at P3.4 billion and accounted for 14% of total Gross Income.

Total operating expenses increased slowly by 2.3% to P17.8 billion for the year ended 2017. The Bank pursued the expansion of its distribution network by selectively opening 27 branches and deploying 74 ATMs mainly in support of its on-going strategy to broaden customer reach and enhance banking convenience. This brought the consolidated network to 508 Branches and 1,562 ATMs, resulting to a 3.07 branch-to-ATM ratio, one of the highest in the industry.

Total Consolidated Resources expanded to P556.3 billion. Total Deposits grew by 10% or P35.3 billion year-on-year to P388.9 billion.

The Bank's Capital funds stood at P67.1 billion and well above the minimum regulatory requirement with a CAR of 15.47% and CET1 Ratio of 12.46%. The Bank’s Asset quality remained stable with NPL Ratio at 1.25%, lower than the 1.41% NPL Ratio as of end-3Q17.

The Bank’s other businesses continued to grow, addressing the various needs of its customers. RCBC Bankard has a strong and active card base of 579,000 in 2017, higher by 9% vs. the previous year. The Bank has built a strong portfolio under its Wealth Management business with Total Assets under Management (AUM) expanding by 12% to P103.0 billion.

“The Bank is on track and ready to take advantage of the opportunities expected from the favorable business environment in 2018. Our delivery channels are geared up with new branches and improved ATM systems supported by strengthened security measures in anticipation of the increased client activity in 2018. Competition, however, will continue to be strong. The RCBC management understands this all too well and is prepared to address this with a strong sense of urgency, as we pursue our business plans, key initiatives, and key transactions this year”, said Gil A. Buenaventura, RCBC President, and CEO.

In support of the regulatory sandbox initiative introduced by the Bangko Sentral ng Pilipinas (BSP), RCBC has recently partnered with eCurrency Mint Limited (eCurrency) to launch its digital money product to deliver accessible and affordable digital financial services in the country.

RCBC also sealed new Trust deals. Some of the deals are Stock Transfer Account for Meralco and Lopez Holdings, Project Accounts Trusteeship for Red Planet Hotels and Solar Energy Corporation, and Corporate Investment Management Accounts (IMA) for De La Salle Science Foundation.

The Bank received various awards in Credit Cards, among which, in 2017, Best Card Offering from Highly Commended, South East Asia, 4th Annual Card and Electronic Payments International Asia Awards and Annual Retail Banker International Trailblazer Awards; Best Card Design from 4th Annual Cards & Electronic Payments International Asia Awards 2017; Best Loyalty and Rewards Program from Mastercard Innovation Forum Awards 2017, and Best Credit Card Offering Philippines from International Finance Magazine. The bank was also awarded Best Leveraged Finance-Backed M&A in Southeast Asia from Alpha Southeast Asia Awards 2017, Best Capital Market Deal from IFR Awards 2017, Best Mergers & Acquisition Financing Deal from Triple A - The Asset Asian Awards 2017, and Best in Private Banking from AI Global Awards.

On November 23, 2017, Moody’s upgraded the bank’s baseline credit assessments (BCAs) and adjusted BCAs to baa3 from ba1. On December 14, 2017, Fitch revised upward the Support Rating Floor of RCBC to BB from BB-.

About RCBC

RCBC is a leading financial services provider in the Philippines offering a wide range of banking and financial products and services. RCBC is engaged in all aspects of traditional banking, investment banking, microfinance, retail financing (auto, mortgage and housing loans, and credit cards), remittance, leasing, foreign exchange, and stock brokering. RCBC is a member of the Yuchengco Group of Companies (YGC), one of the oldest and largest conglomerates in South East Asia. For more information, please visit https://www.rcbc.com

Get the Perfect Deals for Camera on LatestDeals Online!

Summer break for kids means more time with the family, friends and most especially the much-awaited activities they love and enjoy to do. Aside from advanced academic summer classes being offered in the various educational institution which kids can enroll at, going out on family vacation away from home is one of the best summer memories one can have. To capture those memories with you, a good camera and tech-gadgets you can bring along is a must!

A quality, branded, reliable and easy-to-use digital cameras should be considered for purchase. Although there are a lot of outstanding mobile phones with built-in-cameras in the market today, which is also for easy snaps and you can share instantly over social media sites. But a good consideration when making a purchase of a digital camera is a good investment later on, based on my experience alone. 

In my personal experience as a hobbyist photographer, I was able to invest a good entry-level digital single-lens reflex or DSLR camera years ago. I attended some workshops, photography classes, symposium and some self-study courses online. Published some works online, and then, later on, I was able to make money on it because clients contacted me and some of my friends to work for their projects, mostly weddings and special events. In photography, I always believe that it is how different one's eye to perceive an image and convey it to the viewer in a different side of it, but always brings down to a conclusion that both of you liked that image. 

When purchasing a quality-branded camera like Canon, Nikon, Fujifilm or Pentax do some research - ask friends, read product reviews online, watch videos of the camera brand and also base your dream camera on the budget you have. It will be a great help for you to understand and get that clearer picture. 

Below is a diagram for you to study in choosing the right camera.

There are a lot of online shopping websites where you can purchase one. A pro-tip from me when finding the LatestDeals online, make sure that you can get the most discount on the item you wish to purchase. For example, check the offered voucher codes, items on sale, shipping coverage, warranty, online sales agent which you can chat with at any time of the day, and when they give out freebies which for me is a plus factor! 

Types of cameras on the market today. 

  • Compact cameras
  • Bridge cameras
  • Smart cameras
  • DSLR cameras
Technology is the future, the future is all about images you can capture everywhere you. Share it with the world and make history.

Sunday, April 8, 2018

9 Tips Minimalist Living: Essential Rules on Living with Less

Minimalist living is more than just clean white counters and a lack of clutter; it’s more than being able to fit all your worldly possessions into a single backpack. Rather, minimalism is all about the mindset: it’s about clearing all the clutter from your life and adjusting your way of thinking so you can live with more purpose, and more peace. You may be renting room in Singapore or own your own condominium. Whatever your living situation, you’ll be sure to benefit from the less-is-more mentality.

So, here we’ve broken down the principles of minimalist living so that you can experience the freedom of living with less – on your own terms.

1. Evaluate your priorities

The first step to any new mindset is of course evaluation. Take a step back and observe yourself. Examine your home, your possessions, your lifestyle, your habits, and your attitude objectively. The you that doubts it might think that minimalism is a radical lifestyle. However, the truth is, it is merely a way to put a stop to the gluttony of the world around us. You can look forward to a world of new adventures in a life with less stuff, less drama, less debt and less obligation. Thus, take the first step by looking at the details of your life objectively, through an unfiltered lens, to be able to see what you want to change more clearly.

2. Evaluate your space

Have you ever sat down and thought about your space and what you fill it with? Perhaps you own multiple versions of the same item. Perhaps you have a closet overflowing with clothes that you never wear and that you can’t keep track of. Perhaps you tidy up your surfaces in your space, only to realize you have no place to store all those knick-knacks you’ve picked up from random stores, or your cupboards are filled to the brim with even more junk. Don’t despair, however, as knowing what you have and evaluating whether you need it in your space is the first step to decluttering.

3. Declutter your home

This goes without saying. Minimalism means living with less. Thus, to live with less, you have to get rid of a lot. The process of decluttering can sometimes seem impossible and make you feel overwhelmed to boot. Starting is usually the most difficult part. Once you have gotten a move on decluttering, the nitty-gritty of the process will start to feel more manageable. Commit yourself and your mindset to clearing out with these simple steps: get rid of duplicates first, and then get rid of everything you don’t use or see on a regular basis. As you go through and evaluate your belongings, getting rid of the duplicates and the rarely-used, start to focus on eliminating the items that don’t bring joy or meaning to your life.

4. Think before you buy

The main – maybe even the biggest – component of minimalist living is giving thought to what you buy. This means evaluating what you bring into your home and your space. Before you buy that beautiful cream sweater that you see on sale for 50% off, stop and ask yourself if you really need it, and where the impulse to buy it came from. Do you want to buy it because you need it? Or do you want to buy it because it’s on sale? If it is the latter, steel yourself and walk away from the purchase. We all need to ask ourselves the hard and decidedly un-fun questions lest we add more stuff – and more chaos – to our lives.

5. Seek high-quality stuff

Quality over quantity is probably one of the most heard of sayings on minimalist living. Don’t dismiss it as a snob’s answer to shopping. The gist of it all is, in fact, that by buying quality items, you are investing your money and time into things that are built to last. Things that are made well are usually made t last. This will ensure that you don’t have to shop as much and as often to replace your belongings that have been worn-out or that have broken down. This same mindset can be applied to your style. Go out of your way to invest in classic and timeless pieces – whether it’s for your wardrobe or your home – so that you know that you’ll love it and be able to enjoy it for years to come.

6. Be grateful

A minimalist lifestyle is brought on by the search for contentment. Of course, contentment is not found by having more stuff. Rather, contentment begins with gratitude for all that you do have. Learn to focus more on what you have, rather than what you don’t. Give meaning to what you own, whether it’s that photo of you and your friends that make you smile or that coffee machine that kickstarts your day. When you feel grateful for everything you have, the desire for more will gradually disappear.

7. Purge regularly

Don’t just declutter your life and your belongings and call it a day. Minimalism is a constant mindset. Re-evaluate what you own on a regular basis to see if anything you own that brought you joy has now become a burden. This purging process can take many different forms. For some, it might be tidying up their closet every season or every year to eliminate clothing that is no longer wanted or rarely worn. For others, it might be a firm “one in, one out” rule that constitutes getting rid of one item for every item you bring into your home. Whatever your methods, be sure to evaluate what you own often, and put what you don’t need a donation bag to be given to charity.

8. Let go of the guilt

It is an inevitable part of life that we own items we don’t use or don’t cherish. Yet, we keep them out of obligation and out of guilt – either because they were expensive, sentimental or just brand new. However, minimalism has no place and no room for unused and unappreciated items, let alone the massive guilt that comes with wanting to get rid of them. Instead, give your unwanted items to a new and better home. Donate them to charity, or to friends. You can assuage your guilt and help you another person.

9. Disassociate yourself from material belongings
The principle of minimalism means learning to detach yourself from material belongings. This doesn’t mean it’s wrong to treasure your favorite scarf or to feel appreciation for your espresso machine. Just learn to realize that these things that you own are temporary sources of joy. These things that you own is not what fuels your happiness. Rather, it is the experiences and relationships in your life that brings you joy. So learn to need less, declutter, and get out there and just live life!

5 Tips to Creative Writing

Writing is an art and it is meant to be creative. You can communicate your ideas with great beauty and precision through creative writing. It has no boundaries, giving writers a perfect platform to freely prune and develop their voices.

It allows writers to express themselves, develop problem-solving skills and learn to deal with constructive criticism, a skill essential even in the job market where employers often give feedback to employees. It also fosters the development of outlining skills, vocabulary and critical thinking skills.

It can boost your general confidence levels and persuasive abilities. Studies have linked expressive writing and blogging to reduced stress, better mood, and general well-being. Writing has therapeutic value and can improve your happiness. Here are tips to help hone your creative writing skills:

Top 5 Tips to Help Improve Your Creative Writing Skills

1.    Practice Writing Skills

The basis of good writing is the ability to write proper sentences. Learn how to use flavored words to make your writing tasteful. Write conversationally and include interesting questions (not with obvious answers) in your writings. Transition your writing smoothly from one sentence to another sentence, and one paragraph to the next paragraph.

Use dynamic rhythm and change punctuation to play around with your writing voice. Practice writing sound bites, use mini-stories to engage your readers and outline your content to come up with a mesmerizing flow. Entertain in your writing and portray abstract concepts concretely using metaphors.

2.    Nourish Your Content

Nourish your content to delight, engage and inspire your audience. Use persuasion, empathy, authority (use expert stats and quotes) and share information nuggets to engage your readers. Be practical with your tips and use rich details to create memorable content that engages. Nourishing content serves readers with advice, ideas, inspiration, and comfort, leaving them craving for more.

3.    Develop the Right, Sticky Writing Habits

Practice makes perfect. Set aside time to write each day and publish content at least once a week. Plan what you want to write about and create a draft. Edit your draft and format it to give it form. Edit and proofread your work several times until you come up with the final, perfect piece. Be experimental and playful; try various writing strategies and tones to find what works best for you.

4.    Learn from Writing Masters

Nobody was born able to write. You have to learn to write and hone your writing skills. Seek inspiration from experienced writing masters and borrow one or two things from their writings. Learn how to use simple words to explain complex topics for children; read sports reports, movie or book reviews, novels, etc. and find out the words that grab your attention.

Note the writing styles and tones for different writings. Learn sales copywriting and direct mail copywriting to hone your persuasive writing skills. Indulge in poetry and enjoy the sensory experience that comes with each poem.

5.    Believe in Yourself

Confidence is critical in everything you do, including writing. You have the ideas, the words and everything you need to write well at your disposal. All you have to do is believe in yourself and start writing. Lots of practice can take you far in discovering the writing prowess in you.

Creative writing and writing, in general, is an art and a skill that can be developed and honed. It can be learned and mastered for you to become an exceptionally creative writer. Above all, you need the right attitude and passion to become a good writer.

Contact us to learn more about creative writing in Singapore and how you can improve your writing skills.

Wednesday, April 4, 2018

Bric’s Life 65th Anniversary Collection: Timeless Beauty and Functionality

Italian heritage brand Bric’s celebrates 65 years of innovation and tradition renowned for its elegance and exemplary craftsmanship. It has been a travel luggage coveted by privileged clienteles of both sexes who seek for the seamless fusion of timeless beauty and functionality when it comes to their lives greatest and most premium experiences.

In its mission to provide elegance and functionality for the jet-setting lifestyle of its female patrons, Bric’s unveiled its limited edition capsule collection inspired by “Life”, the signature collection from the brand. The collection expresses itself thanks to the materials used: mustang, a unique and durable fabric, made in Italy, with a sophisticated suede effect, combined with luxurious vegetable-tanned leather trims and embellished with golden metal hardware.

To create a look that is fitting for an anniversary collection, Bric's renews and updates the classic mustang, in the iconic olive color, and paints it with a delicate floral motif rich in anemones and cherry blossoms, a fresh spring recall. The flowers are defined through stylized silver sketching, with pink and lilac tones, on trend for the SS 2018 collection.

The Life 65th anniversary collection offers a beautiful assortment: a four-wheel soft trolley spinner available in three different sizes (one carry-on supported by two larger, check-in sized trolleys), as well as the classic Bric's duffle bag in two sizes, a wash bag, a train case and a shopper.

The capsule collection is available in Bric's stores located at SM Aura Premier, Shangri-La Plaza Mall and Ayala Center Cebu.

For more details about Bric’s, visit www.facebook.com/bricsphilippines

Tuesday, April 3, 2018

Sexy Mermaid V-neck Gray Long Prom Dresses For Teenagers - Millybridal.org

This sexy prom dress is the epitome of evening party belle. Pretty and alluring! From graduation parties to prom, balls, make sure you're the best-dressed girl around in this long prom dress.