Ciri's Life Coach

Did You Know? In most cases 90% of bad breath originates in the mouth. Let's get personal. Bad breath may be common in dogs but for humans, it affects how you feel about yourself, not to mention how others perceive you. Actually, you may not know you have halitosis until your brave friend tells you. Halitosis (unpleasant odours exhaled in breathing), is estimated to be the third most frequent reason for seeking dental aid, following tooth decay and periodontal diseases.

Before you embark on your photography using your iPhone 4s, you should definitely check out this cool little gadget, the olloclip camera lens. Since iPhone 4s' recent release, we have reviewed some of its extra-ordinary features such as Unlock iPhone 4s with jailbreak

If ever is a time when the wallet strings are loosened, it is during the festive season. While there is unavoidable more spending because of activities such as travel, get-together and parties, and gift-giving, it should not be a license to over-spending. Spend in haste and repay at leisure, as the old adage goes, really applies during the festive season. Many financial disasters begin with overspending in the last month of the year, carry over into the heavy obligations of the first month and culminate in debt, either in the form of credit card debt or loans with interest.

There is no such thing as arisk-free investment. Many investors come to learn the hard way and also that, where there is no risk, there is no possibility of returns. When considering investment options, the primary focus for most investors is return or how much they will make from their investment. Too often, risk is ignored or if acknowledged, with little more than an attitude of 'hoping for the best.' Yet, without risk, there is no return even with stock of high performing 'blue chip' companies. Below are frequently asked investment risk questions and answers as well as how to determine your personal risk tolerance:

Professional indemnity insurance is designed to protect a professional person (or firm) such as doctor, lawyer, architect, accountant or insurance broker against legal liability to pay damages and costs to persons sustaining loss through a breach of professional duty i.e. breach of contract or liability in tort. Liability in tort arises from professional negligence, which is the neglect of a professional duty of care that renders the professional person committing the act, error or omission of neglect liable in law to a client or some other third party who suffers loss as a result of the neglect.

Considering how fragile the economy is right now and how some banks are timid to lend money for home construction, it's no surprise that one of the most frequently asked questions is how best one can save money when building a home. Not long ago, banks were giving out loans and the trend was to build large, extravagant home. Today, some are less likely to fund new construction projects because of the high costs associated with them.

Did You Know? Taking a glucose based supplement in combination with oil from fish commonly known as Omega-3 supplement, can tremendously reduce pains in people suffering from a joint-pain ailment known as osteoarthritis. Osteoarthritis is a type of inflammation in bone joints caused by the breakdown and eventual loss of cartilages (firm, rubbery tissue that cushions bones at joints) of one or more joints.

Some days back I shared a post in identity theft scams where you learned how to avoid online and credit card identity theft scams. With social media being part of our daily lives, we are bound to fall victims to various facebook scams such as “ Free Facebook t-shirts on 7th anniversary ” which is a phishing link. Once clicked, it'll ask for further details about yourself in order for you to claim a free t-shirt. Once, you become a prey, a spam message is posted on your wall spreading in a similar manner to your friends' walls. Facebook and other social networking sites have a tempting social appeal. You can create a profile of yourself that highlights your talents. However, all this personal information posted on your profile such as names, birth dates, kids' names, photographs, password reminders, your friends and your enemies can serve as a one-stop shop for identity thieves. All a scammer has to do to access it is become your FRIEND !