How to consolidate debt with Keel Associates

Improving your financial status with the assistance of a credit consulting firm Keel Associates.

Debt is a sum of money being borrowed by a single or group of a person from another party (person or a company). The common form of debt is a loan. A loan can be categorized to a different type which a borrower can avail. If a borrower signed into a form of a loan, he or she needs to repay that loan amount into a scheme of payment which the borrower will agree in terms of the binding contract. That said contract is legal and can be subject to any legal action that can arise in the future.

Debt is a practice not just today but from the olden times, in the history, debt can be repaid using goods and commodities, there were also stories about debt being paid through a form of services.

• Debt is money borrowed by one party from another.
• Many corporations and individuals use debt as a method of making large purchases that they could not afford under normal circumstances.
• In a debt-based financial arrangement, the borrowing party gets permission to borrow money under the condition that it must be paid back at a later date, usually with interest.

During my younger years, I was very impulsive with my purchases, the needs and wants were always combined making my expenses miserable. I wasn't able to balance the two and debt plus loans skyrocketed.  I had money debt from a friend and several salary loans from the government agencies. I was also lured to spend using my credit card, from which I purchased some signature bags and some gadgets which eventually I have learned that the value of these kinds of stuff I am hooked depreciates.  I suffered tremendously trying to budget the money that I have and more of the money that I do not have. When I started having a kid, that's the time I've learned to prioritize and took a big step-back with my spending. That is also when I started to pay off loans on time, making occurred interest lower and penalties were waived. After several years or so, I have decreased my debt down to 75% making life easier, less stress.

So, does credit, loan and debt are the same?

Credit, loan and debt can be interchangeable in whatever sense you can see it.

Credit is a broad term that has many different meanings in the financial world. It is generally defined as a contractual agreement in which a borrower receives something of value now and agrees to repay the lender at a later date—generally with interest.

In some places, credits are being encouraged because this is how a person can be assessed with his credit value. Not unless you have that cash on hand to purchase goods, commodities, mortgage or even assets you have to rely on credit and loan.

But, if you can manage a credit-free-living for sure you can manage on currently on hand.

Decluttering your life with less credit is the key on how to successfully live within your means.

Caffeine Brothers Co. releases CB's Finest, the Kickstarter blend for all

A new player in retail and distribution launches an online store for Philippine specialty coffee.

Manila, August 07, 2019 — Caffeine Brothers Co., an up-and-coming startup specialty coffee retail and distributorship based in Manila, Philippines, announced today the finest launch in the Philippine Coffee Industry history with the release of CB's Finest - the kickstarter. The first addition to the voluminous blends to be released shall be available for everyone to enjoy and within everyone's reach through their online store at caffeinebrothers.co.

Amidst several coffee company which claims to have the perfect coffee, Caffeine Brothers Co. thrives through technology paired with deep love for a good cup of coffee. Now, enthusiasts and caffeine buffs can enjoy various types of coffee beans and Caffeine Brothers' signature blend sourced from local growers only in the Philippines straight from the web to their doorstep.

"Most us do not actually know but for a time in our past, the Philippines was hailed as a top coffee producing nation. We were once a coffee country!" said Robin, co-founder of Caffeine Brothers Co.

"This time is the perfect opportunity for Caffeine Brothers to grow. Our sole mission for this venture is to share our passion for coffee, be one of the pioneers in the purely online arena, and pro-caffeinate the country with our home-grown beans." he added.

First timers and coffee addicts have already tried and Raisha from Makati reviewed, "Waaaaaay better than my usual cup of coffee. CB’s Finest a must try.

· Perfectly balanced acidity, sweetness, and bitterness in one sip with a smooth flavor and no off-taste.

· Great blends of beans that aroma of a classic coffee scent will surely make your day.

· Smooth, delicate

· Matte black re-sealable stand-up pouch keeping it from moisture and preserving the freshness of the beans

· Fast delivery.

Meanwhile, Marriane of San Pedro, Laguna also said, "Very fast and convenient transaction. I am working on a night shift and had no problem with the delivery. The package even arrived earlier than expected! They provide quality from delivery up to the coffee experience itself. The coffee aroma is so good na maaamoy mo na sa packaging palang. It definitely didn’t disappoint when we tried their coffee. I would recommend you try their CB’s Finest blend."

Finally, Kerwin, co-founder of Caffeine Brothers Co. said, "We may have yet to grow in the business, but our dream of the resurgence of Philippine coffee's former prominence is what keeps us up every morning."

If you find value in what Caffeine Brothers do, check out their website at http://caffeinebrothers.co/ where you'll find tons of tips and information on how to enjoy your cup of coffee. You can also reach them via Facebook or Instagram @caffeinebrothersco.

How to Get All the Vitamins You Need

Do you take your vitamins and other health supplements on a daily basis?

They say, eat good nutritious foods and a balanced diet can do the trick. Basically, food is the best source of vitamins- but sometimes it is not enough that you eat three times a day to sustain your body's need for energy and growth, you also need to nourish your body with vitamins and supplements. They can help aid with the loss and lack of nutrients from what we are taking and as well as combating the exposure to harmful effects that surround us.

Also, another fact, our body tends to lessen the absorption of vitamins from the food we eat as we grow older. That is why we need to take supplements to aid this loss.

Vitamins are widely promoted, the variety of brands are endless; whether locally produced or imported from other countries. It is also one of the biggest industry when it comes to nutrition, health, and wellness. Multivitamins come in many forms such as pills, liquid, and also powder-based. You can choose what is best for you, the availability and of course, budget-wise. It can also support a specific need of your body.

Daily intake of multivitamins can boost all the needed nutrients in small doses, from A-Z. Individually prepared vitamins and minerals target the specific needs. The dosage depends on age and body weight. Some of the things needed to be considered. Also, there are prescription vitamins that your physician can require due to some impending medical condition.

I was prescribed by my doctor months back to add Vitamin B-complex to my daily vitamin intake; which is Vit. C, iron supplement and calcium. I was convinced by the sales clerk at Watsons pharmacy a local drugstore to add more than my prescription vitamins to save more. Since it was vitamins I was not hesitant to buy and stock up. Surprised to see that I saved almost 40% of the total cost of my purchased Watsons brand vitamins.

Watsons Comply N Save made me save Php247.50 (US$4.86) from the total of Php825 (US$16.17). That is Php5.77 (US$0.12) for three vitamin tablet daily. 

100 tablets each of Vit.B complex, Vit.C, and Ferrous Sulfate, that will last for 100 days/3months use. This can be shared with adult family members. 

Along with your fruits, vegetables, and grains, incorporate your diet with vitamins for a healthy body.

Are you very particular with the brand of your vitamins?