May 15, 2018

The Science of Saving for a Chemistry Degree

The cost of a chemistry college course in the USA ranges from $16,000 to over $70,000 a year, making it one of the most expensive degrees available. However, given that chemists can go on to earn well above the national average salary, it is well worth making the investment. For most people, this means having a savings plan to help cover some of the costs and taking out a loan to cover the rest. With a few simple techniques, you can fund your chemistry dreams, whether for yourself or as a parent.

Accrue Interest By Starting Early
Savings accounts rely on accumulating interest over time. This means that the longer you save for, the more money you’ll come out with, even with the exact same up front investment. If you are raising the funds for your child, a good rule of thumb is to multiply their age by 2000 and put this amount straight into a savings account. This so-called “2K rule” will leave you confident that, by the time they reach 18, you’ll be able to afford half their course and can cover the rest with private student finance.

Selecting the Right Loan
The first thing to find out when looking for a loan is your credit score. This will be the ultimate decider of how much you pay. Settling old debts before taking out a student loan will help you secure something with a low interest rate. You should aim to find something with a fixed interest rate to avoid nasty surprises and look for other hidden fees such as administration costs. Search the internet for the best deals, but never take out more than you absolutely need and can repay.

Take Advantage of Tax Breaks
Since education is considered to be valuable to society, you may be eligible for a tax break. A 529 Plan is tax-advantaged savings scheme which is specifically used to pay for college tuition. Despite being the most cost-effective way to cover the cost of a college degree, it is used by less than 3% of students. Use this plan rather than prepaid tuition if you are also looking to cover living costs while at college.

Becoming a chemist is a dream for many people, but the high costs of tuition can be off putting. If you really want to get that college degree, then you’ll have to learn a little bit about finance. Save early in order to cover half your tuition costs, then carefully select a loan and tax-advantaged savings plan to pay for the rest.
Read More »

May 1, 2018

What Are Some Benefits Of Vitamin C Skin Care?

Vitamin C is known to be a powerful immune booster, but it is also very good for your skin. Whether you are using a Vitamin C serum or cream, this amazing vitamin can bring plenty of benefits to your skin care routine.

Skin care, Vitamin C, Vitamin C Serum, beauty
Anti-Oxidant Protection
Whether ingested or applied topically, Vitamin C is a powerful anti-oxidant. Our skin cells are constantly under attack by free radicals which result from pollution, UV exposure and even our own cellular metabolism. Anti-oxidants help change free radicals into their more harmless form.

Reparative Properties
Vitamin C is a popular ingredient in many skin serums due to its ability to regenerate damaged cells. Our skin cells are constantly changing and shedding, but a damaged cell will not be as good at functioning and replacing itself as a healthy cell. Fortunately, Vitamin C can fight damage by helping encourage natural cellular repair processes.

Recent studies have shown that Vitamin C has significant anti-inflammatory properties. This allows Vitamin C to be a powerful soothing agent for irritated skin, making this important Vitamin particularly helpful for inflamed or sunburned skin.

Melanin Balance
Melanin is the pigment that gives skin its color. While each person has a different concentration of melanin, this pigment can be overproduced by skin cells due to sun damage causing dark spots on the skin. Vitamin C helps taper melanin production and fight the appearance of sun spots.

Versatile and Compatible
Vitamin C is compatible with a variety of other vitamins, minerals and compounds that are found in healthcare. You can find Vitamin C combined with Matrixyl 3000, a powerful wrinkle fighting ingredient, or hyaluronic acid, a well-known hydrating agent.

Whether you need to soothe skin or want extra sun protection, Vitamin C is a great addition to your beauty routine.
Read More »

April 20, 2018

Holi- and Holy Day 2018

One of the most awaited holidays or should I say Holy day is the Lenten week. Some go to their hometown while others travel out of town or country. Some have a staycation at home.

This is a long overdue post but I want to share the highlights of our Holy Week.

We attended the Palm Sunday mass in a nearby church – Sto. Nino Parish Church of Meycauayan, Bulacan.

Since we still have to work until Wednesday, we opted to travel to Nueva Ecija on Thursday early morning. For us to avoid the traffic rush.

We planned to go to the Basilica Minor of Manaoag, Pangasinan. Pero dahil pagod, we canceled at nagpahinga na lang sa bahay.

Friday, we spend the day at home and have lunch at BIL's place.

Saturday, we finally decided to push our plan to Pangasinan and attended the mass in Manaoag. We arrived the place just in time with the first mass of the day at 6 am.
Manaoag, Pangasinan, The Minor Basilica of Our Lady of the Most Holy Rosary of Manaoag

There is no homily only readings from the bible. It was very solemn since the passages were put in hymns. 

Sunday, the last day of a long-week vacation and para masulit, we just stayed at home.

Before the day ends, we dropped at one of the most visited areas in our alma mater – the Sunflower plantation.
CLSU, sunflower

It is not where you spent the Holy days but it is how you remember Christ sacrificing himself.

By the way, here are other photos framed during the week-long vacation.

Manaoag, Pangasinan, The Minor Basilica of Our Lady of the Most Holy Rosary of Manaoag
The Minor Basilica of Our Lady of the Most Holy Rosary of Manaoag

How did you spend your Holydays?
Read More »

April 16, 2018

4 Important Parenting Tips to Implement

It is well-known that giving birth to a child is not a tough task. The whole deal turns tough when it comes to bringing up your child. This is because a lot of efforts, commitments and sacrifices will be required to ensure that your children grow in the best way and with outstanding moral values. Needless to say, the behavior and character of a child is a clear reflection of their parents.

To begin with, parenting is something that has to be done using a defined criterion. This means that some parenting skills will be required. If you feel that you lack the skills, it is always a great idea to consult a professional or any other person who is more enlightened on parenting matters.

However, there are some fundamental strategies that any parent must use in raising their children.  Here are tips and strategies to use as your fundamental parenting aid:

Do Not Be a Friend to Your Child
A lot of parents tend to misinterpret this advice. It is important to note that you are not supposed to become your child's enemy simply because 'friendship' in parenting is ruled out. There is a way you can live with your child as a friend and at the same time watch their moves and rebuke every wrong act they do. Friendship with your child should only be within moral values and not beyond.

Drop Gender Biases
The problem with most parents is that they consider themselves the mother or the father to their children. Instead of viewing things from this perspective, you should consider yourself a parent and not a mother or father. Once you consider yourself a parent of a certain gender, it means that you will only focus on certain duties which rhyme with your masculinity or femininity. However, being just a parent will help you handle things in all aspects regardless any gender limitations.

Communication Is Essential
It is so unfortunate that some parents operate under very tight schedule and lack time for their children. Consequently, communication between the parent and the child is broken. It is important to note that communication is of paramount essence especially for parents with growing children.

The importance of communicating with your child is to know exactly what they are going through. You will also be in a position to provide the best parent advice verbally. Not to mention, your children will feel the love that you have for them once you find time to interact and communicate with them. Important to note, communication between parents and children is not meant to be serious always. Cracking jokes and playing around with them is also part of the deal.

Never Feel Guilty
A parent is never guilty in the face of their children especially when everything is done for their benefit. The problem is that some parents feel guilty once they punish their children even when everything is justified. They even offer apologies to their children for punishing them. For your information, it is the child who should apologize to his/her parents and not the other way. You have the full right and reason to correct your child for the best.

About the Author:
Carol James is a writer and senior editor. She has MA degree in social sciences and writes articles, reviews on the different actual subjects. So, if you have any questions regarding the writing, feel free to ask her and visit her company’s page EssayLab.
Read More »

March 16, 2018

Children: Responsibility, Independence, Dream

Quotes, life, reflection

Quotes, life, reflection

Captured in Ocean Adventure, SBMA

Happy Friday!
Read More »