July 5, 2018

Give Your Children A Good Financial Future With A Family Budget


A government economist caused a stir recently when he announced that a family of five only needs P10,000 to survive and quickly corrected it to more than four times that amount. If you’re not sure of how much you should be spending either, perhaps it’s time to look at preparing a household budget, the needs of a family are constantly changing but there are ways to adapt without having to spend lots of money. Whatever your income, whether you’re trying to tighten your belts or just want to feel more in control of your spending, drawing up a budget for the whole family works best if everyone is involved.

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Start With A Clean Slate

Obviously, your children don’t have to know everything about the family finances, just that you would like them to feel more included in the day to day planning of your family life. Household debt is still on the rise in the Philippines so before you think about how to allocate your money in a budget so that you don’t overspend in the future, you need to face up to any problems with debts or outstanding bills. Then you can start thinking about saving for times when you need a little extra money.

Help Your Children to Spend Wisely

If your children are aware of areas you want to cut back on or that you are saving for a special occasion, they will be more inclined to agree when you have to say to no to a new toy or an extra treat. Last year’s “New Generations Philippines 2017” report showed that 83% of Filipino parents were worried about their kids being able to save money in the future. Giving your children an allowance when you feel they are ready, is a great way to help them understand the value of money and learn how to make their own good decisions about how it is spent.

Go Shopping With Your Children

While many bills are fixed, the amount a household spends on food shopping can almost always be reduced. Filipinos already tend to choose retailers that offer good prices and promotions so if you take your children shopping with you, you can choose food together, encourage them to look for offers and bargains and help them to learn how to spend sensibly when they are older.


Don’t put off drawing up a family budget, it doesn’t have to be scary  You’ll feel better facing up to any financial problems that you have and can then look forward to teaching your children about family finances without worrying about money.
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June 15, 2018

4 Things You Didn’t Know About an ITIN

An ITIN number’s primary use is for tax purposes, according to the IRS. Still, there are some details not all applicants know about an ITIN, such as financial endeavors made possible for ITIN holders.

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1. Getting an Auto Loan is Possible With an ITIN

In most cases, a Social Security Number (SSN) is needed in order to secure a car loan. However, there are certain lenders that will accept an ITIN, so occasionally, ITIN holders can finance a vehicle this way. The IRS does not intend for ITIN’s to be used for anything besides filing taxes, so obtaining a car loan is not guaranteed, but it remains a possibility.

2. ITIN Applications are NOT Accepted Electronically

All paperwork for the ITIN application can be filled out online. However, the IRS does not accept electronic applications. Hard copy W7 forms, accompanied by an original U.S. tax return and other documents, must be mailed to the IRS or presented at a Taxpayer Assistance Center (TAC).

3. ITIN Holders Can Get a Credit Card

It is possible to obtain a U.S. credit card without a Social Security Number, if one has been issued an Individual Tax ID Number, or ITIN. The first step is to finish the application process and receive an ITIN. Applicants should remember that building a solid credit history will be a large factor in being approved for a credit card, so this is the next task. Finally, it’s important to research credible banks and institutions that will accept an ITIN in place of an SSN.

4. An ITIN Can Carry Eligibility for Personal Loans

Not every lender will require that applicants have an SSN, but they certainly will require good credit. Therefore, someone with an ITIN can acquire monetary loans from select banks and institutions or other lenders, but first, one should build a trustworthy and reliable credit history. This helps to demonstrate that the applicant is a desirable risk and the loan is a good investment for the lender. 

Need an ITIN? Begin the application process today at ITIN-W7-Application.com. This site includes valuable  resources and help getting an ITIN renewal.
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May 1, 2018

What Is Timeless' Best Anti-Aging Serum?


From serums to sprays and eye creams, Timeless offers a great variety of products for all skin types. Timeless strives to provide the best anti-aging products by relying on quality ingredients to help nourish and revive skin. Among Timeless serums, the Hyaluronic Acid and Vitamin C anti-aging serum with Matrixyl 3000 is a popular choice.  Here is more on what makes this serum a fan favorite:

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Powerful Combination of Ingredients: The Hyaluronic Acid Serum combines the potent effects Matrixyl 3000, Vitamin C and hyaluronic acid to visibly reduce wrinkles over time. Matrixyl 3000 is a potent anti-wrinkle ingredient that works by encouraging the production of skins natural collagen and elastin. Both collagen and elastin are vital to healthy, vibrant skin. Unfortunately, the quality of natural collagen produced tends to decrease with age and damage, which is where Matrixyl 3000 can give your skin the boost it needs. Meanwhile, Vitamin C is a powerful anti-oxidant that helps repair damaged skin while also soothing inflammation. In addition, Vitamin C can control the overproduction of melanin, which makes it useful for fighting sun spots and supports collagen production. Finally, hyaluronic acid is an extremely powerful hydrating agent that helps keep skin plump and healthy.

Compatibility: This serum can potentially work on a variety of skin types and can be used on oily or combination skin. If you suffer from dry skin, consider combining the serum with a drop of Timeless’ Argan Oil Pure, which acts as a powerful moisturizing agent.

Ease of Use: Because the serum is applied in the morning and at night, it makes an easy addition to your existing skin care routine. And since the serum is fast drying, it will also take minimal time out of your day.

Timeless offers a variety of products and serums. Ultimately, your Timeless Skin Care favorite will best fit your needs and skin type.


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April 11, 2018

What Kind of Support can a Candidate expect from Beacon Resources?


As many recruiters California has to offer, they will all tell you the level of support you can receive from accounting headhunters varies from agency to agency. One staffing firm might give very little support, while a business such as Beacon Resources offers so much support that candidates consider them long-term partners. Here is a look at this concept.


The idea of a long-term partnership

Companies tend to change and evolve, and so do the employees who work for them. Perhaps an employee needs to move or would prefer to take on more responsibility. Maybe an employee wants to explore a new aspect of the field or desires to explore telecommuting options. Perhaps someone wants to move from part time to full time or vice versa.

In other words, it is rare for someone in this day and age to get hired and to stay in the exact same position for life. Beacon Resources helps many job candidates find employment, and when they are ready for yet another change or for the next step, Beacon can quickly help them find new opportunities. This is possible because of the long-term partnership concept. For example, recruiters with Beacon provide candidates with general job search preparation, ideas for making their resumes more effective and advice on how they can interview better. Beacon focuses on finding the best possible matches between employers and employees and not just on putting a warm body in a seat.

Active and passive job searching

If you are thinking about making a job move, you can contact Beacon and get a feel of the job market and what you might need to do to land the position you want. Going it alone can be intimidating, and partnering with Beacon helps you broadcast your skills to a deep pool of employers. You can search actively or passively, whichever you prefer.

To get in touch with an executive recruiter today, submit this online form for Beacon Resources.


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April 7, 2018

9 Ways to Customize your Home Without Breaking the Bank


Your home is one of the biggest investments that you will make in your life. Its value, décor, and style is obviously important to you as it is also your sanctuary and place of comfort. Often, we get bored with the original designs of our home, and we wish for something new. Renovating your home can become an exciting project that will add value to your investment, while also providing you with an extra incentive to put in overtime hours at work. In this article, you will learn nine ways to customize your home, without breaking the bank.

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1. Paint your door- this is a great way to add style and class to your home. Your front door is the gateway to your castle, so make it something that establishes your uniqueness in the neighborhood. Very often, we see the traditional brown or white doors. Why not try red, blue or yellow for additional flair?

2. Change your Kitchen Cabinets- your cabinets are a big selling point when purchasing a home. Install customized cabinets that will match the new theme and energy. While you’re at it, make sure to contrast your new cabinets with a complementary backsplash.

3. Change up the light fixtures- your lights are a great way to add a unique touch to your house. Go to your local home improvement show, and take a look at how you can add different lighting features in your home. The brighter, the better!

4. Add Shutters to your windows- try contrasting the shutters on your windows to match your bright new door. Shutters are a great way to add an additional welcoming feel to your home.

5. Paint the Walls- with a few well-placed walls of paint, the inside of your home can transform into something wonderful. Rather than paint all four walls the same color, try painting only one! The unique color will create contrast within your house.

6. Add a rug area- purchase an extravagant rug for your living room to add a touch of flair, but make sure that it matches the décor of your home.

7. Match your Furniture- once you have your new rug, try to buy at least one piece of furniture that stands out from the rest. Place it near your window or fireplace for added effect.

8. Hang Artwork- nothing screams “personalized home” more than a unique piece of artwork. Hang it over your fireplace or place it in the entryway, so it’s the first thing you notice once you walk through your brand-new door.

9. Decorate your Stairs – this is a wonderful tip that is rarely used: try painting your staircase with contrasting colors on alternating steps. Doing so is sure to add a unique style to your home.

Bonus Tip: Customizing your garage can also add tons of style and value to your home. Installing some basic cabinets, painting the floor, and adding some rugs are quick and easy jobs.

Your residence is meant to match your style and personality. Use these nine tips to make your home stand out from the crowd. These creative strategies will go a long way to relieve stress, while also contributing to the increased value of your greatest investment.

There you go. Any suggestions, would love to hear from you too.

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