It is important to have extra money tucked away in case of emergency. It gives people the peace of mind and a sense of control over whatever may come, instead of worrying about where to get money from. Here are more reasons why people need to build an emergency fund: 1. Helps stay debt-free in times of emergency Staying out of debt starts by not living beyond one's means. Some take extra step by saving enough in case of emergency. Not having a stash of emergency fund could force people to avail high-interest loans when the difficulty comes. Availing loans and thinking how to pay it back double the burden for people. As early as now, having a buffer fund cushions the impact of an emergency's financial dilemma. 2. Covers unforeseen medical expenses Even with healthy lifestyle and impeccable diet, accidents and illnesses may happen. Insurance may help with the hospital expenses. However it doesn't cover all types of medical needs. Worse, some aren't prepared even with a single peso … [Read more...] about Why people need an emergency fund
Why customer is important
(Reuters Health) - Women who fill prescriptions for custom-blended hormone therapy may get capsules or creams that don't contain the correct amount of medicine, a recent study suggests.Researchers focused on what's known as compounded hormone therapy - prescriptions that are custom-blended by pharmacists instead of factory-made by drug companies and approved for sale by the U.S. Food and Drug Administration (FDA). Sometimes these formulations are marketed as "bioidentical," and touted as being more like naturally occurring hormones than regular pharmaceuticals."Unique concerns about safety surround the use of compounded bioidentical hormone therapy, including the lack of regulation and monitoring, the possibility of overdosing or under dosing, the lack of scientific efficacy and safety data, and the lack of a label outlining risks," said Dr. JoAnn Pinkerton, a professor of obstetrics and gynecology at the University of Virginia Health system and executive director emeritus of the North … [Read more...] about Custom menopause hormones have unpredictable ingredient mix
Their early days there were rough. They had no language skills in either Tagalog or English, and Xu says the authorities frequently shut down businesses in Chinatown, partly because many were evading taxes. He found himself in a police station on more than one occasion. "I would get in there and everyone arrested would be Chinese. I was scared. I was so young at the time," he says. Now the owner of a range of businesses offering services from rice imports to printing, Xu believes Chinese immigrants must adjust and integrate into the local culture, which he says includes small but significant idiosyncrasies such as the tendency for Filipinos to dislike Chinese bosses disciplining staff in front of other workers. He does not see a great deal of anti-Chinese sentiment outside of a small group of Filipinos he believes are seeking to incite hatred. Fellow immigrant Ken Hong, 43 and also from Fujian, has done almost every job imaginable since he arrived in Manila nine years ago. He went … [Read more...] about Why are Chinese workers so unpopular in Southeast Asia?
Now he sits atop the company that runs the vast network of McDonald’s restaurants in Thailand. Chew, who is chairman of the executive committee and chief executive of McThai, has been a local pioneer in what is known as the quick-service restaurant (QSR) industry. Chew says he clocked up a wealth of diverse experiences in his engagement with QSR. Among them are the benefits from networking with people, including friends and other professionals - and that opportunity to pursue lifelong learning. These experiences have helped him to apply what he has learned in business training. The knowledge he has learned from many developed markets around the world has been put to work, and these insights have helped in the creation of products relevant to the local market. Hester Chew He can say with confidence that his joining the QSR business became a central part of his life-long learning process. Chew began his career in the fast-food business in the early 1980s, when in Singapore … [Read more...] about Why LEARNING is never off the menu
The most important of these is that our competitors claim to support free trade, but are often “gaming the system” by extolling a level playing field that is actually tilted in their favour. Myanmar has not been good at recognising that in some sectors it is playing by one set of rules whilst its competitors are playing by rules that conveniently suit them and disadvantage Myanmar. One of the clearest examples is the steel industry. Steel is a vital product, especially for a country like Myanmar whose construction and infrastructure sectors need to expand rapidly if its economy is going to take off. Steel is a vital strategic industry, not an optional extra. And this is why countries around the world do not let the normal rules of free trade apply to their steel industries. In ignoring this reality, Myanmar is not joining the world community, but standing apart from it. Our decision to expose ourselves fully whilst demanding no reciprocity of openness … [Read more...] about How policy, not price or quality, is destroying Myanmar’s steel industry