Ciri's Life Coach

Owning a home can be a difficult decision, one that requires the instinct of a psychologist, financial shrewdness of a banker, the property knowledge of a real estate agent, and the building skills of a contractor. Yes, it seems like a headache in becoming a homeowner but it is a positive step towards the right direction. If you enter the real estate market with an understanding of the game and what you can afford, then you will do well. But if you let prestige dictate your expenditures, you will run the risk of failure. Home ownership is at an all-time high as Kenyans seek for security and comfort. It is also perceived as an investment for its owners. With so much riding on your home, you will want to save money wherever you can, as I always say: where you save money, you make money.  Tips on how to become a homeowner for less #1: Study Your Local Market Mostly, the price of your house determines your financial situation. In a boom period, homeowners a...

Do you still endure the Pain  of heading to the gym to shed off excess fat in order to Gain less weight? No need to worry, you are not alone. A daily delicacy of yogurt, fermented porridge and acidophilus natural supplements with a little exercise produces the same slimming effect as the fitness center. How? The colon should contain about 85% lactobacillus and about 15% other 'bugs' such as coliform bacteria, but these percentages are usually reversed. for these reason,  bloating, Mal-absorption problems, toxicity result. Lactobacillus acidophilus natural supplements may help neutralize these conditions. Lactobacillus are friendly bacteria found in fermented products such as yogurt and has the ability to slow down obesity. The bug overtime, reduces the amount of fat absorbed by the body, eliminating the possibilities of obesity. The changes may only reduce fat absorption by a little amount, but this could have an impact on obesity if sustained over several years. ...

Not using Facebook for business yet? Wondering where to start?  Read this article.  It will be your comprehensive guide to creating a Facebook page. By the way, you’re not alone. There are still many business owners and marketers who don’t quite know where to start. Most likely, you already have a personal profile. Facebook only allows you one account in your own real name. More on how to create a Facebook profile, start  here  to create a professional-friendly Facebook profile. Once you’re happy with the way you’ve chosen to use and configure your profile, it’s time to set up your Business Page, often referred to as a “Fan Page.” Previously, we would join these pages by clicking the “Become a Fan” button; however, Facebook changed this to to their er-present “Like” button. With Facebook’s 500+ million active users; half of whom log on daily, having an active Facebook page helps gain tremendous visibility for your business and meets your prospects where t...

In a world where change is the only constant, planning ahead and sticking to plans concerning finances is a challenge BUT very essential. Are you on track with your financial plans? What are the vital signs in a good financial run and a strong finish? Stage # 1 This is when one starts earning their own income. Since one is in control of how to spend and save, this is the stage when habits, good or bad form. The habits have consequences as far reaching as into the last stage when one is no longer earning. In this stage: Learn to make a budget and stick to it, differentiating between needs and wants. Establish a saving pattern in an account that would cost the least and yield the most interest. Protect yourself through insurance with a package that cushions you against unforeseen incidents like sickness or disability. Learn about options in as far as financial services such as bank accounts that cost the least to operate and wise borrowing such as through credi...

Did you know that Other than consuming spices in minute amount and adding flavour to foods, spices and herbs also stimulate the appetite and some may have healing or soothing properties? Herbs and spices usually lose their true bouquet and flavour after 6 months of shelf life. They should be stored in tightly covered containers away fro heat and light so that they will not become dry and stale. Coriander : is a digestive aid, prevents infection from minor cuts, kills bacteria, fungi, and insect larvae that attack meat. It is an inflammatory that may help arthritis and may reduce blood sugar levels. Caraway: is a digestive aid and is an antipasodic which soothes the digestive tract and aids in menstrual cramps. Sage: is an antiperspirant, helps heal wounds and stop infections. It is used as a preservative. It will fight salmonella and is a good choice to add to foods that will be consumed away from home and outside. It is a digestive aid, reduces blood sugar (on an empty s...

People who drink the most coffee and tea, even decaffeinated versions can impressively lower their risk of type-2 diabetes. This means that people who drink three to four cups a day have a lower risk of developing diabetes than those who drink little or no tea or coffee. Coffee: It contains, among other substances, caffeine. Caffeine is a psychoactive drug that is very strong. This is because of the nor epinephrine released in the brain, What does coffee do to your body? Quickens the respiration process  Strengthens the pulse Raises the blood pressure Stimulates the kidneys Temporarily relieves tiredness or depression Excites the functions of the brain, improving mental performance Caffeine is an emergency cure for an asthma attack reducing incidents of wheezing. Coffee may have a calming effect on most people because of several opiate-related compounds that have a mild heroine-like reaction in the brain. These substances are found in decaf as well. What if consum...

Are you trying to get a gift for each person on your list this holiday season? This can be overwhelming and time consuming. Try the below guide for a suitable holiday gifts ideas: # 1 Mom House-hold items such as an appliance that would make her work easier such as a vacuum cleaners, a blender for the kitchen, a rice cooker and a fryer  are good choices.m Another sure winner would be an item of clothing such as a sweater, especially of her favourite colour, jewellery such as necklace. # 2 Dad A simple phone so that he can keep in touch. A nice, warm sweater is another practical option. # 3 Kids Whether yours or other kids you know, toys are something they never have enough of. From the simple toy car and doll for younger kids to play stations and board games for older ones. Here in Kenya, I would recommend Toy World or Nakumatt which stocks a very good range of toys. # 4 Loved ones For the persons closest to you, make it a gift they will often have with them. For la...