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“ I fear not the man who has practiced 10,000 kicks once, but I fear the man who has practiced one kick 10,000 times ”



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Ann BakerAthlete but Geek
Anne Warren
Anne WarrenFrustrated Singer but Smart
Nataly Rice
Nataly RiceOur Editor


How To Find A Good Cebu Real Estate Agent For Purchasing Or Selling A Property?

In Search for a good real estate agent in Cebu City?

Good Real Estate Agent

Whenever you buy a property or a big house, you are perhaps concerned on the financial aspects of your life. Some people don’t take careful steps, while procuring a house, and they often miss good opportunities. However, while you want to avoid all the mistakes in the selling or buying process, you can hire a real estate agent. The best agent enables you in finding the right house or in getting good clients. But, if you have not found a decent agent, then you may lose your money. That is why it’s better to meet the most experienced and skilled real estate agent.

Choosing your realty agent may affect the transaction process

Many buyers don’t understand the process of buying house. A buyer has to-

  • Get his loan
  • Locate a house
  • Negotiate the price
  • Do the inspection
  • Accomplish the process of having a loan


The best realty agents always assist in all these processes. While an inexperienced agent spoils anything, it may lead to the end of the deal.

The good agents also have these traits

  • InteractionInteraction– It is a very significant aspect of agents because they have to communicate openly and directly with all those, who are engaged in the deal. They also work with inspectors, lenders and many more to ensure smooth operation of the process.
  • Knowledge– All the skilled buyers’ and sellers’ agents should be aware of their deeds. Every transaction on real estate may be different. An agent has to gain experience in the relevant field.
  • Sincerity and honesty– These are the most valuable things that the good agents should have. They must not say lie on anything.
  • Nature of the service– Some agents work only as part-time service providers, and they may not be able to satisfy the clients in every case. Property agents should always have an interaction the clients by receiving their calls. Many buyers like to visit the site of their property at weekend or during nighttime. They do not want to delay the process for several days. However, all part-time professionals may not be always undesirable. You only need to ensure that they work with flexible routine, according to your convenience. Thus, these factors are much important while looking for a real estate agent in any area.


Common signs that you see in the best agents

It is not easy for the buyers to recognize whether the property agent is bad or good. Until there is anything wrong, you perhaps cannot make it out. However, you can make questions on the following things to gain confidence on the agent.

Experience of the agentsExperience of the agents

New real estate agents may not be always unacceptable. In fact, many of them work with other agents, who are experienced. As the skilled ones are helping the novice professionals, they may manage everything perfectly.

Knowledge on the market

Perhaps, you cannot understand whether the agents are well-informed of their own work. You are not familiar to some property-related terms. But, you can ask questions to them on different things-

  • The age of a house
  • Price of a house- More or less than the actual value of the market
  • Whether a house can be eligible for a loan on the basis of its present condition
  • Cost of inspecting a house
  • The time period needed for closing the deal
  • Overall costs, related to the purchase of a house


Get advice from other professionals

You can speak to some other professionals in the field of real estate. These professionals may not hesitate to give reference of sellers or buyers, particularly if the required service isn’t their specialty. Some of the agents have expertise only in the reselling residential house, whereas others may work with the house constructors.  Many agents or representatives just sell commercial property. You can also contact brokers to get the information on agents because brokers usually have knowledge on good agents.

In conclusion, it is to be said that a success in your real estate transaction depends on the qualities and experience of the agents. If you have chosen any wrong person, you may not be able to get a wonderful house in the chosen locality. Besides, as a seller, you can also miss best clients for profitable deals. With the above recommendations, you may try to find out the most experienced, thoughtful and expert agents. You can also be happy after the process is over. To avoid all intricacies, it is better to call real estate agents.



Best Checking Accounts For Seniors And Students

Checking accounts are available to all of us, and they come with a variety of features. However, today is common to find a checking account specifically introduced for seniors or students. In most aspects, these accounts are different and have a different demand/offering requirements. Nevertheless, the best checking accounts for seniors and students are more than just essential. Another, good thing we will mention is that more and more banks offer this type of auditors.

Checking accounts for students

Checking accounts for students are developed for all people age 18-24. Some banks may offer the account for those in high school, but not necessarily. In many terms, they are completely different than checking accounts for seniors.

The entire point of having this type of account is to get affordable features, while still obtaining decent possibilities. As such, these accounts are ideal for ATMs cash withdrawal and for people who need simple credit cards. All of the credit cards are designed to function with as low balance as possible.

Obviously, free monthly maintenance of the account is mandatory, and there isn’t a point in having an account with a fee of $20 or even more.

accounts for students

Checking accounts for seniors

All seniors will use their checking accounts in a different way than students and adults. For example, they prefer checks, cash withdrawal is rare, and features for savings are mandatory. As a result, most banks offer precisely that. Their checking accounts are optimized for limited cash withdrawal, come with low fees and provide free checks.

We must point out that not all the banks have the same senior-approval requirements. For some, you must be 50 years old or older, while most others require from you to be 60 years.

Addition types of checking accounts which will be suitable for students and seniors

Just because you are a student or a senior, it doesn’t mean you are obligatory to get one of two mentioned accounts. In a matter of fact, we have several other subtypes of checking accounts which may be suitable for you.

  • Tech-based accounts- These accounts have the ability to incorporate all the latest features and demands of the market and users, related to the online shopping, online safety, and mobile coverage. Additional possibilities such are several different accounts, and mobile notifications are available.
  • Premium accounts- If you have a high monthly income or a significant amount of funds on your account, a bonus account is essential for you. There are specialized accounts for seniors and students. Just some of the benefits are the higher credit loans and better saving rates.
  • Reward checking accounts- We believe that this type of auditors is solely for students. It allows them to get rewards such are higher interests rates and free ATM usage but only if a user meets the demands. Usually, those demands are purchases via debit card per month.

Best checking accounts for students

checking accounts for students

Here are the best checking accounts offered by some of the best-known banks. All of them are primarily focused on students.

  1. Citibank Student Account

With $0 fee when you use other ATMs and the same amount of money for a monthly fee, this account is just the best for students. Balance to avoid the fee is also $0. There are 58 branches of the bank, which isn’t much but is enough.

  1. Bank of America- Core checking

With 98 branches across the country, this may be the best option, if you travel. Using other banks, ATM is $2.50, which is the main difference compared to the previous bank. Other fees are $0.

Best checking accounts for seniors

If you are a senior, you will have a different needs for your checking account. Here are two banks which may be the right choice.

  1. Charles Schwab Bank High-Yield Investor Checking

All fees are $0 (monthly fee, opening deposit, balance to avoid fee), while the interests are 0.10%. 24/7 customer support is available as well.

  1. Travis Credit Union Silver Wings Checking

Travis Credit Union Silver Wings Checking will require a deposit of $1, which isn’t a big deal. Other than that, all the requirements are the same as for the former bank.


Checking accounts for students and seniors are not something most people know about them. They are still rare and may be difficult to find in your hometown. But, they are just perfect if you are a student or senior thanks to the features and possibilities solely invented for your demands. Don’t forget that there are a variety of accounts to choose from!

What Is Hustle And Why Wealthy Entrepreneurs Have It Mastered


One of the most common words that you will hear about sports is the hustle. Hustle is a term that is related to a player going all out, never quitting, giving it is all in every situation. Frequently you will hear coaches yelling at their players to give them more hustle, as they try to egg on their players to work even harder.

The Need for Hustle in Business


Hustle seems to make a lot of sense when you’re talking about someone on the sports field, but when you’re discussing running your own business, it doesn’t seem to be a good choice of words. Despite this, hustle is an important part of being a successful entrepreneur because it requires every bit of your energy and will to be able to be a successful business owner.

Any successful entrepreneur is going to have to put in long hours, work virtually every day, and spend the vast majority of their energy trying to make their business ago. This is not easy in any way, and so having hustle to go out and find advertisers, promote the business well, get the right product, and lead consumers to your business are incredibly important if a person is going to wind up having a successful business. You simply have to have hustle to be able to succeed.

Where Hustle Can Benefit the Success of Your Business

Success of Your Business

A business owner or entrepreneur has to have mastered the art of hustle if they are going to be successful in business. It’s a requirement because you have to dedicate so much of your life to make yourself and your business a success.

What is important to understand is that hustle can lead to so many kinds of achievement within your business. By giving all the hustle that you have to get your business going, you can make your organization a winner.

The first benefit that comes from having a lot of hustle is that it helps you to be able to get ahead of your competitors. The more you are willing to give, the more you are ahead of them. It doesn’t matter whether you’re a small organization or a large one, if you are giving it your all, you are going to have a greater chance of success than your competitors will.

Hustle can also help you to find customers and vendors before anyone else does. By being willing to go after each person, you can bring into your store or organization, and by working harder than everyone else to find vendors that can help to reduce costs, you give yourself an even better chance of success. You will soon find that it is things like this that can put you over the top regarding having a successful business.

You also benefit by demonstrating your expectation with your employees. When they see that you are willing to hustle to make the organization an incredible success than they are willing to give more as well. They will follow your model.

Amazing things that many people enjoy in Cebu City

Cebu offers plenty of great activities and even more possibilities. If you are planning to visit the place, make sure to experience most of them! Due to the position of the city and climate, most of the attractions are related to water, but there are several which are more focused on land and similar activities. City tour Cebu will make all things we will discuss here easy to find.

  • Scuba diving

Scuba diving

The first and the most important to do while in Cebu is to go scuba diving. People from all parts of the world come here just to see the marine environment. The best part is the fact; there are plenty of different places where you can dive. Each one offers different advantages and different scenarios.

Capitancillo Island is the most common place where scuba divers usually come. Here, you can dive up to 50 feet below the surface, and the visibility is 30 meters. Corals, fish and the sea floor are more than just stunning. Mactan Island is a more difficult place to go for scuba diving. The maximum depth is around 180 feet, while visibility is incredible 100 meters.

  • Try Jeepney

Try Jeepney

Jeepney or better-known Jeep is a type of public transport characteristic to the Philippines, especially Cebu. It is available here and only here, so nowhere else you can try this thing. We said a thing because it is hard to define this vehicle. In essence, it is a long car which was adapted for transporting passengers. The base is usually an old Jeep or an SUV. What makes it unique are vivid colors and large openings at the back. No, there is no air conditioning nor any advanced features.

At the front, there is a place for just one passenger, but you can ride next to the driver and conductor. At the back, there is a lot of space for more than six passengers. Keep in mind that each Jeepney has a route on its side. You can see starting and finishing locations. Addition: While you are trying the public transport, make sure to try tricycles. They are more affordable, and they offer plenty of fun.

  • Visit Cebu Shopping Mall and enjoy shopping

Cebu Shopping Mall

Cebu is home to one of the largest shopping malls in the Philippines and some of the best-known shopping centers in the entire province. The first place to visit for shopping is the Cebu Shopping Mall. Here, you can find anything you like.

Shopping here is the most important thing you can do. Some items and gadgets cannot be seen anywhere else in the world. Prices are more than just affordable, and you can always have a great time with sellers. The entire shopping mall in question is focused on tourists, so you can see amusing things and enjoy this architectural wonder.

  • Go to a Zumba class

Go for a Zumba class

Zumba is one of the top skills of Philippians, so it is something you should try. Take at least one class and learn something new. The rates are more than just affordable, and there are courses at the shopping malls, at the parks and in several places across the city. Make sure to have a good night’s sleep before you go to class. It will consume most of your energy.

This activity is slightly different here than in other cities in Visaya Province. It is more intense and requires more energy. Nevertheless, it is one of the main things to try while in City of Cebu.

  • Try fantastic food

Try amazing food

It is believed that people in the city of Cebu make the best and the most delicious food in the Philippines. They also claim that they have invented plenty of different meals during the history. All of this means just one thing. You must try all of them. The main reason why is the same as with other things on the list. All foods available here are rare and unavailable in other parts of the world. The biggest question is what must be tried?

Lechon is the central element of any Cebu attraction guide, and it is the main specialty here. Obviously, you can try it anywhere you want. But, we will advise you to try whole roasted pig. The meal is delicious, and there is plenty of meat to eat. The second main type of food to work is street food. It is one of a kind, and it can be found anywhere. If you have issues finding it, just tell the driver to take you close to the Chong Hua Hospital.

  • Enjoy the sunrise

Enjoy the sunrise

Obviously, due to the position of the island, sunrises here are stunning. Believe or not, each tourist who experienced this morning wanted to come again, just for it. To help you avoid making the same mistake, we advise you to wait for the morning the first time you are here. But, there are a few tips to remember.

Always try to be in the east of the island. There the sunrises are the best. The Malapascua Island is the central location for the job. Also, bring a camera, because you will want to take a picture of it. Soon after the sunrise, water will get warm, so morning swimming is an option.

  • Eat ice-cream at IT Park

Eat ice-cream at IT park

Of all places where you can get an ice cream in Cebu, IT Park is the most recommended one. The area is entirely focused on tourists and restaurants, so you won’t have a problem eating something you like. The best ice cream and the one you must try is Brownie a la Mode. It is available at several restaurants at the IT Park, so look for it.

While you are at IT Park, make sure to explore all the sides of it. During the day, this is a business place, so it isn’t fun, but at night, it is a great party place. There are always new and friendly people here, and it is all about having great fun.

  • See the entire city from 600 meters above sea level

600 meters above sea level

Above the city is the place called Tops Lookout. You will need around 100 pesos to get in and around 150 pesos to get there, using a taxi (habal-habal). So, why you need to explore this place? It offers an amazing view which cannot be obtained anywhere else in the City of Cebu. The altitude is 600 meters above the sea level, and it allows you to see far beyond the city itself.

Make sure to get there when the weather is clear because only then you can get the view we have described. When a day is sunny, you can even see Bohol. Next, to the Tops Lookout, there are souvenir shop and a small restaurant. If you have time, spend some of it there. You probably will come here just one time.

  • Explore one of the mountains

Explore one of the mountains

There are several mountains close to the city. Usually, people spend the entire holiday on a beach and in the city itself, but real adventurers like something extraordinary. The top mountains for this activity are Manunggal and Kan Iraq. Both of them are relatively easy to explore, but the result is phenomenal.

While you are on a mountain, why not camp for a night or two? The temperatures are always warm here, and you won’t have to go far away from the city to find a great camping spot. In a matter of fact, most of them are 30 minutes outside the City of Cebu. All of this means that camping is safe and highly desirable.

  • Buy something at a local market

something at a local market

Even if you don’t need anything particular, you can still visit a local market in the downtown of the city and buy something. There are several advantages of this experience. First and foremost, it is one place in the Philippines where you can see the mixture of the culture, modern technologies, and beautiful creations. The market you must visit is called Carbon. It is known for a crowd of people who will try to sell you almost anything. A good thing is the fact prices are low, and you can even bargain to make them even lower.

Maybe the first time you are here, you will weird or strange, but give it some time. After a few minutes, you will realize how great this experience is. Almost every single person who visited the market bought something, the so chances are high that you will as well. Top tip: Always try uninterested into an item. A seller will lower down the price.


One way or another, you will have a great time trying all of these things in the City of Cebu. It is an amazing place on the planet, and it is an excellent ground for learning something new and different. All things here are easy to find, simple to do and all of them are affordable. Don’t forget to swim as long as you can.

purchasing earphones

Facets to search for in when purchasing earphones that are greatest


Its availability in various shapes, sounds, colors the consumers have just confounded and therefore to find the very best earphones satisfying your needs is not a simple job. Thus let us see that which you should think about when purchasing a set of earphones on your own.

1. One more variable to take into account is the exchange or return policy made available from the firm. It is not possible you will have the ability to attempt earphones before buying them. Therefore it becomes essential to test its return policy. You ought to prevent those firms which charge fees for changing or replacing them.

2. About meeting behavior, you will need to have learned. This behavior is a tendency for settling for those characteristics or things that might not be ideal but nonetheless have the ability to fulfill their minimal expectancy degrees in individuals.

3. You will find lots of attributes before creating a final decision; you should try to find in them. So that when creating a buy, concentrate on the most efficient three after which it is recommended to rate them according to your individual taste.

4. However, you cannot overlook the sound quality of the earphone; it is equally significant. These days with all the progress in mini loudspeakers’ technology, attempts are being made to create the sound in this style that it will enrich the caliber of music and music should look to the hearers. This can be called coloration that was rational, and the drawn-out bass is the most ordinary sort of this technique these days used. You have to seek out the sound curve that will be appropriate for you, and it is as a result of this counseled to own equilibrium with little bass and treble improvement.

When purchasing, you are highly advised to take into account upon variables that were mentioned as they are going to let you find perfect earphones to your music gadget.

Earning Money Online

Would You Dream Of Earning Money Online?


Seems farfetched? Together with the introduction of online marketing, earning money on the internet could be a reality. Mass chances are out there for people who are prepared to set aside the original concept of a job and begin a web business. In the event that you are able to bring in some serious cash working at home and tired of the daily commute, the time to begin is currently.

earning money online


For earning money online, retail chances abound. Among the simplest methods to start would be to benefit from online auction houses like Ebay, Ubid, or Stormpay Auctions. When you have the knack of auction websites function, you can begin purchasing stock at thrift stores and garage sales and reselling them. As your understanding of online auctions grows, you should take into account selling new things and earning money on the internet by joining a drop ship plan.


Do not despair if retail is not your bag. There are innumerable chances for earning profits online with outside selling. Sign up look into websites that pay one to blog about their merchandise, or to take paid surveys.


Exactly what is it that you’re looking forward to? Take pleasure in the freedom and begin a home business now brings. It’s time to share with your manager good-bye and commence earning profits online now!


Company Record Management Cuts Prices


It is vital for almost any company to file their records in an ordered fashion. Therefore, it will be less difficult to recover when it’s necessary, records, whether on business issues, worker info or another important data, should be saved and categorized accordingly. The things they do not understand, nevertheless, is that their expenses raise and also take lots of space up. Firms should consider buying document imaging applications for his or her record management needs, to cut costs.


While the job of transforming your business in a paperless office might seem daunting, after pursuing it, the edges you will gain are undoubtedly acceptable. Document imaging applications that is using wouldn’t just reduce expenses in the very long run but in addition make organizing records hassle-. Instead of keeping these in filing cabinets, making copies and printing on paper, the program would totally get rid of using paper, empowering businesses to replace bulky cupboards with a couple of computers that store each of their files, thereby saving cash and space.

barcode reader


Document imaging applications can be used to scan documents into pictures, which saved in computers and are subsequently transformed into digital files

Another benefit is these types of applications are integrated using a barcode reader, which could find various kinds bar codes and is invaluable when shooting several files at one time. These characteristics allow it to be easier to scan multiple records in once, without stressing that it may mess up the arrangement of files.

Business record direction would be simpler if firms decide to buy applications created by Microsoft once a firm determines to utilize this technique. The strongest document imaging applications accessible the marketplace now is produced by Microsoft, and on top of that it’s set using a cost that is really reasonable. Viler also would create an index of all records to allow them to be searched using key words located within their file names, and would classify your files within an orderly manner. When you need to cut prices without losing productivity, ensure that you trust Microsoft.